[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.eluxcz.cz\/mit-dluhy-se-oplati-ale-jen-s-mirou\/#Article","mainEntityOfPage":"https:\/\/www.eluxcz.cz\/mit-dluhy-se-oplati-ale-jen-s-mirou\/","headline":"M\u00edt dluhy se oplat\u00ed, ale jen s m\u00edrou","name":"M\u00edt dluhy se oplat\u00ed, ale jen s m\u00edrou","description":"I v na\u0161\u00ed republice za posledn\u00edch 20 let je dost lid\u00ed zadlu\u017een\u00fdch. Ti, kte\u0159\u00ed si po\u0159\u00eddili hypot\u00e9ky na vlastn\u00ed bydlen\u00ed, tak moc dob\u0159e v\u011bd\u00ed, co...","datePublished":"2018-09-14","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.eluxcz.cz\/author\/#Person","name":"","url":"https:\/\/www.eluxcz.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c36ac855b1ee9cce96e09824fb5426d6eaccd04233fbf51e04e067ccd1b5fe13?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c36ac855b1ee9cce96e09824fb5426d6eaccd04233fbf51e04e067ccd1b5fe13?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"eluxcz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.eluxcz.cz\/wp-content\/uploads\/img_a325568_w1883_t1537514980.jpg","url":"https:\/\/www.eluxcz.cz\/wp-content\/uploads\/img_a325568_w1883_t1537514980.jpg","height":0,"width":0},"url":"https:\/\/www.eluxcz.cz\/mit-dluhy-se-oplati-ale-jen-s-mirou\/","wordCount":480,"articleBody":"I v na\u0161\u00ed republice za posledn\u00edch 20 let je dost lid\u00ed zadlu\u017een\u00fdch. Ti, kte\u0159\u00ed si po\u0159\u00eddili hypot\u00e9ky na vlastn\u00ed bydlen\u00ed, tak moc dob\u0159e v\u011bd\u00ed, co to obn\u00e1\u0161\u00ed, aby pravideln\u011b a po dlouh\u00e1 l\u00e9ta dok\u00e1zali svou p\u016fj\u010dku spl\u00e1cet bez probl\u00e9m\u016f.  Na druhou stranu jsou mnoz\u00ed, co si vezmou p\u016fj\u010dku v \u0159\u00e1du n\u011bkolik des\u00edtek tis\u00edc korun, nap\u0159\u00edklad na zahrani\u010dn\u00ed dovolenou, d\u00e1rky na v\u00e1noce, novou kuchy\u0148 apod. Spl\u00e1c\u00ed, ale v dom\u00e1cnosti se jim rozbije pra\u010dka a zase si pot\u0159ebuj\u00ed p\u016fj\u010dit. A n\u011bjak se z t\u011bch dluh\u016f nedok\u00e1\u017eou vymotat, i kdy\u017e se sna\u017e\u00ed z\u00edskat nav\u00edc finance t\u0159eba z druh\u00e9ho zam\u011bstn\u00e1n\u00ed. T\u011bch p\u0159\u00edb\u011bh\u016f o zadlu\u017een\u00ed je moc. Finan\u010dn\u00ed gramotnost lid\u00ed v zadlu\u017eov\u00e1n\u00ed spo\u010d\u00edv\u00e1 hlavn\u011b v tom, \u017ee p\u0159i v\u00fdb\u011bru v\u011b\u0159itele by si m\u011bli d\u016fkladn\u011b rozmyslet, kolik a za jakou cenu si pen\u00edze p\u016fj\u010d\u00ed.  A\u0165 se jedn\u00e1 o bankovn\u00ed nebo nebankovn\u00ed p\u016fj\u010dky (spot\u0159ebitelsk\u00e9 \u00fav\u011bry, hypot\u00e9ky), jsou d\u016fle\u017eit\u00e9 tyto faktory: \u00b7 Dob\u0159e a s rozumem, si sv\u016fj rozpo\u010det p\u0159edem spo\u010d\u00edtejte, nic nikdy neusp\u011bchejte, nejlep\u0161\u00ed je vyu\u017e\u00edt finan\u010dn\u00edho poradce. Pokud mo\u017eno, nechte si v\u017edy i malou finan\u010dn\u00ed rezervu \u2013 zadn\u00ed vr\u00e1tka. \u00b7 KVALITA poskytnut\u00e9 finan\u010dn\u00ed slu\u017eby, je velmi d\u016fle\u017eit\u00e1. M\u011bla by v\u00e1m nab\u00eddnout v p\u0159ehledn\u00e9 (srozumiteln\u00e9) smlouv\u011b, kterou si je\u0161t\u011b p\u0159ed podpisem m\u016f\u017eete v klidu p\u0159e\u010d\u00edst a prostudovat:  a) ro\u010dn\u00ed procentu\u00e1ln\u00ed sazbu n\u00e1klad\u016f b) v\u0161echny ostatn\u00ed n\u00e1klady, kter\u00e9 jsou spojen\u00e9 s p\u016fj\u010dkou c) na internetu si kvalitu nab\u00edzen\u00fdch slu\u017eeb m\u016f\u017eete vyhledat v \u201eporovn\u00e1va\u010d\u00edch p\u016fj\u010dek\u201c \u00b7 Nev\u011b\u0159te reklam\u00e1m! Ne\u017e se rozhodnete, zjist\u011bte si na internetu recenze a n\u00e1zory druh\u00fdch (alespo\u0148 za posledn\u00ed rok) na dan\u00e9 finan\u010dn\u00ed instituce.  \u00b7 Vyu\u017eijte kvalitn\u00edho poji\u0161t\u011bn\u00ed, kter\u00e9 v\u00e1m pom\u016f\u017ee v p\u0159\u00edpad\u011b neschopnosti spl\u00e1cet sv\u016fj z\u00e1vazek. Vyplat\u00ed se to, proto\u017ee v \u017eivot\u011b ka\u017ed\u00e9ho jedince nebo rodiny mohou nastat kdykoliv nenad\u00e1l\u00e9 zm\u011bny. \u00b7 Nikdy nikomu nepla\u0165te \u017e\u00e1dnou z\u00e1lohu. \u00b7 Pokud nastanou jak\u00e9koliv probl\u00e9my, m\u011bli byste m\u00edt u sebe p\u0159\u00edm\u00fd telefonn\u00ed kontakt na sv\u00e9ho bank\u00e9\u0159e. (Ov\u011b\u0159te si ho p\u0159edem.) \u00b7 V p\u0159\u00edpad\u011b v\u00edce p\u016fj\u010dek je v\u00fdhodn\u00e9 vyu\u017e\u00edt slou\u010den\u00ed, tzv. konsolidaci p\u016fj\u010dek.   Pokud se \u010dlov\u011bk od ml\u00e1d\u00ed nau\u010d\u00ed spo\u0159it i malou \u010d\u00e1stku z pen\u011bz, kter\u00e9 re\u00e1ln\u011b m\u00e1, nemus\u00ed se dostat v \u017eivot\u011b do finan\u010dn\u00edch probl\u00e9m\u016f.                                                                                                                                                                                                                                                                                                                                                                                          4.1\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00edt dluhy se oplat\u00ed, ale jen s m\u00edrou","item":"https:\/\/www.eluxcz.cz\/mit-dluhy-se-oplati-ale-jen-s-mirou\/#breadcrumbitem"}]}]