[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.fontesh.cz\/bez-zakladnich-poctu-to-nepujde\/#Article","mainEntityOfPage":"https:\/\/www.fontesh.cz\/bez-zakladnich-poctu-to-nepujde\/","headline":"Bez z\u00e1kladn\u00edch po\u010dt\u016f to nep\u016fjde","name":"Bez z\u00e1kladn\u00edch po\u010dt\u016f to nep\u016fjde","description":"Jestli u\u017e n\u00e1s nebav\u00ed \u010dekat ka\u017ed\u00fd m\u011bs\u00edc na v\u00fdplatu a doufat, \u017ee jednou dostaneme p\u0159id\u00e1no je prav\u00fd \u010das na to […]","datePublished":"2018-06-08","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.fontesh.cz\/author\/#Person","name":"","url":"https:\/\/www.fontesh.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9650bad63f840fe2951db83904c5d1edf6fafb8283b72071d80cdc2088366373?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9650bad63f840fe2951db83904c5d1edf6fafb8283b72071d80cdc2088366373?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"fontesh.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.fontesh.cz\/wp-content\/uploads\/img_a321326_w2335_t1532590679.jpg","url":"https:\/\/www.fontesh.cz\/wp-content\/uploads\/img_a321326_w2335_t1532590679.jpg","height":0,"width":0},"url":"https:\/\/www.fontesh.cz\/bez-zakladnich-poctu-to-nepujde\/","wordCount":423,"articleBody":"Jestli u\u017e n\u00e1s nebav\u00ed \u010dekat ka\u017ed\u00fd m\u011bs\u00edc na v\u00fdplatu a doufat, \u017ee jednou dostaneme p\u0159id\u00e1no je prav\u00fd \u010das na to vystoupit z davu a odli\u0161it se. T\u0159eba proraz\u00edme neot\u0159el\u00fdm byznys pl\u00e1nem, dob\u0159e investujeme nebo si jen finan\u010dn\u011b odleh\u010d\u00edme.
 Cest ke \u0161t\u011bst\u00ed je mnoho tak pro\u010d nem\u016f\u017ee b\u00fdt p\u016fj\u010dka  jednou z nich. Z\u00e1kladem \u00fasp\u011bchu je jen postupovat opatrn\u011b a v\u0161e si \u0159\u00e1dn\u011b zaevidovat. P\u016fj\u010dky nejsou a\u017e tak nebezpe\u010dn\u00e9, ale p\u0159eci jen se jedn\u00e1 o tenk\u00fd led. Mus\u00edme rozli\u0161ovat, kdy je v\u00fdhodn\u00e9 vz\u00edt si p\u016fj\u010dku a kdy nikoliv.
 Pokud budeme p\u0159istupovat k financ\u00edm se zdrav\u00fdm rozumem m\u016f\u017ee se st\u00e1t, \u017ee n\u00e1m pen\u00edze budou dob\u0159e slou\u017eit. Pokud v\u0161ak budeme vyu\u017e\u00edvat pen\u011bz k n\u00e1kupu nepot\u0159ebn\u00fdch v\u011bc\u00ed m\u016f\u017eeme \u010dasto skon\u010dit v rukou exekutor\u016f.Jak\u00e9 p\u016fj\u010dky volit?
 Na trhu se m\u016f\u017eeme setkat se dv\u011bma typy p\u016fj\u010dek.
 \u00b7 Bankovn\u00ed
 \u00b7 Nebankovn\u00ed
 V r\u00e1mci bankovn\u00edch p\u016fj\u010dek mluv\u00edme hlavn\u011b o \u00fa\u010delov\u00fdch p\u016fj\u010dk\u00e1ch. Ty jsou tedy sestaveny tak aby slou\u017eily k p\u0159edem stanoven\u00e9 \u00fa\u010delu. Jedn\u00e1 se nap\u0159. hypot\u00e9ku na financov\u00e1n\u00ed bydlen\u00ed. Jak ji\u017e vypl\u00fdv\u00e1 z n\u00e1zvu bankovn\u00ed p\u016fj\u010dky poskytuj\u00ed bankovn\u00ed spole\u010dnosti. Zde pat\u0159\u00ed komer\u010dn\u00ed banky a \u010cNB.
 Druh\u00fd typ p\u016fj\u010dek tedy nebankovn\u00ed pat\u0159\u00ed ji\u017e do lehce rizikov\u011bj\u0161\u00ed kategorie. Nebankovn\u00ed p\u016fj\u010dky je \u010dasto mnohem snaz\u0161\u00ed z\u00edskat, av\u0161ak \u00faro\u010den\u00ed b\u00fdv\u00e1 nastaveno pom\u011brn\u011b vysoko. Tud\u00ed\u017e je mnohem n\u00e1ro\u010dn\u011bj\u0161\u00ed se takov\u00e9 p\u016fj\u010dky zbavit. Nebankovn\u00ed spole\u010dnosti, kter\u00e9 p\u016fj\u010dky poskytuj\u00ed m\u016f\u017eou b\u00fdt \u010dasto pochybn\u00e9ho r\u00e1zu a jej\u00edm hlavn\u00edm c\u00edlem je vyd\u011blat. Slovn\u00ed spojen\u00ed jako spole\u010densk\u00e1 odpov\u011bdnost jim \u010dasto nic ne\u0159\u00edk\u00e1.
 V obou p\u0159\u00edpadech je zapot\u0159eb\u00ed si spo\u010d\u00edtat kolik n\u00e1s dan\u00e1 p\u016fj\u010dka bude ve v\u00fdsledku st\u00e1t. Cena ka\u017ed\u00e9 p\u016fj\u010dky je vyj\u00e1d\u0159ena v \u00faroc\u00edch. Pokud se jedn\u00e1 o rychlou p\u016fj\u010dku v\u00fd\u0161e \u00farok\u016f m\u016f\u017ee b\u00fdt pro klienta \u010dasto likvida\u010dn\u00ed. V r\u00e1mci bankovn\u00edch \u00fav\u011br\u016f jsou spl\u00e1tky stanoveny v\u011bt\u0161inou dlouhodob\u011b co\u017e minimalizuje v\u00fd\u0161i spl\u00e1tek a uleh\u010d\u00ed tak finan\u010dn\u011b klientovi.                                                                                                                                                                                                                                                                                                                                                                                        3.4\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bez z\u00e1kladn\u00edch po\u010dt\u016f to nep\u016fjde","item":"https:\/\/www.fontesh.cz\/bez-zakladnich-poctu-to-nepujde\/#breadcrumbitem"}]}]