[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.fragante.cz\/mit-se-ci-nemit\/#Article","mainEntityOfPage":"https:\/\/www.fragante.cz\/mit-se-ci-nemit\/","headline":"M\u00edt se \u010di nem\u00edt?","name":"M\u00edt se \u010di nem\u00edt?","description":"Jsou v \u017eivot\u011b lidsk\u00e9m chv\u00edle, kdy si tento mus\u00ed p\u016fj\u010dit pen\u00edze. Proto\u017ee ne v\u017edy m\u00e1me t\u011bchto dostatek a tu a tam se prost\u011b stane, \u017ee","datePublished":"2018-12-20","dateModified":"2023-06-07","author":{"@type":"Person","@id":"https:\/\/www.fragante.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.fragante.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/80bc9a30a8183589d38927f3b57d5a9aa763777ca2942415b346d54d020a9840?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/80bc9a30a8183589d38927f3b57d5a9aa763777ca2942415b346d54d020a9840?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"fragante.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.fragante.cz\/wp-content\/uploads\/img_a331368_w2378_t1543701504.jpg","url":"https:\/\/www.fragante.cz\/wp-content\/uploads\/img_a331368_w2378_t1543701504.jpg","height":0,"width":0},"url":"https:\/\/www.fragante.cz\/mit-se-ci-nemit\/","about":["Pen\u00edze"],"wordCount":614,"articleBody":"Jsou v \u017eivot\u011b lidsk\u00e9m chv\u00edle, kdy si tento mus\u00ed p\u016fj\u010dit pen\u00edze. Proto\u017ee ne v\u017edy m\u00e1me t\u011bchto dostatek a tu a tam se prost\u011b stane, \u017ee jich pot\u0159ebujeme n\u00e1hle nezbytn\u011b v\u00edce, ne\u017e kolik jich le\u017e\u00ed v na\u0161em pras\u00e1tku.\u010clov\u011bk se tak mus\u00ed obr\u00e1tit na n\u011bkoho, kdo naopak pen\u00edze v dr\u017een\u00ed m\u00e1 a je ochoten je doty\u010dn\u00e9mu p\u016fj\u010dit. Co\u017e je zpravidla nejlevn\u011bj\u0161\u00ed v p\u0159\u00edpad\u011b, kdy si p\u016fj\u010dujeme od na\u0161ich bl\u00edzk\u00fdch, od rodinn\u00fdch p\u0159\u00edslu\u0161n\u00edk\u016f nebo dobr\u00fdch p\u0159\u00e1tel, kte\u0159\u00ed jsou ochotni na v\u00e1s nevyd\u011bl\u00e1vat, m\u00edrn\u011b tratit a podstoupit ur\u010dit\u00e9 riziko, \u017ee u\u017e se s pen\u011bzi tak\u00e9 nemusej\u00ed shledat, ani\u017e by za to n\u011bco cht\u011bli.P\u016fj\u010dky mezi ciz\u00edmi lidmi nebo mezi lidmi a finan\u010dn\u00edmi institucemi v\u0161ak tohoto druhu nejsou. Finan\u010dn\u00ed instituce sv\u00e9 klienty vesm\u011bs zase a\u017e tak dob\u0159e neznaj\u00ed a nemaj\u00ed s nimi natolik d\u016fv\u011brn\u00e9 vztahy, aby jim p\u0159ikleply n\u011bjak\u00e9 ty pen\u00edze zadarmo, a tak\u00e9 tu nejsou od toho, aby d\u011blaly charitu, n\u00fdbr\u017e aby vyd\u011bl\u00e1valy. A proto je t\u0159eba sm\u00ed\u0159it se s t\u00edm, \u017ee banka nebo n\u011bjak\u00fd jin\u00fd poskytovatel \u00fav\u011br\u016f za sv\u00e9 pen\u00edze \u017e\u00e1daj\u00ed \u00faroky. Sumi\u010dku pen\u011bz, je\u017e jim m\u00e1 kompenzovat riziko, \u017ee u\u017e sv\u00e9 pen\u00edze tak\u00e9 nikdy nemus\u00ed uvid\u011bt, pen\u00edze, je\u017e jim garantuj\u00ed, \u017ee jejich jm\u011bn\u00ed nebude kv\u016fli inflaci pozb\u00fdvat na hodnot\u011b.\u00daroky b\u00fdvaj\u00ed pochopiteln\u011b r\u016fzn\u00e9. Z\u00e1le\u017e\u00ed na tom, nakolik je takov\u00fd \u00fav\u011br rizikov\u00fd, na v\u00fd\u0161i inflace, na tom, kolik chce poskytovatel na takov\u00e9 p\u016fj\u010dce vyd\u011blat, na neviditeln\u00e9 ruce trhu,…Je toho hodn\u011b, co m\u016f\u017ee v\u00fd\u0161i \u00farok\u016f ovlivnit. A proto \u00faroky n\u011bkdy rostou a jindy pro zm\u011bnu klesaj\u00ed.A kdy\u017e takov\u00e9 zprvu vysok\u00e9 \u00faroky za\u010dnou klesat a poskytovatel \u00fav\u011bru se k t\u00e9mu\u017e kroku nem\u00e1, je vhodn\u00e9 p\u0159istoupit k refinancov\u00e1n\u00ed takov\u00e9 p\u016fj\u010dky. Tedy zm\u011bnit sv\u016fj dosavadn\u00ed \u00fav\u011br nebo i v\u00edce \u00fav\u011br\u016f, za n\u011b\u017e se \u010dlov\u011bk nedoplat\u00ed, na \u00fav\u011br jin\u00fd, v\u00fdhodn\u011bji \u00faro\u010den\u00fd. Zat\u00edmco takov\u00fd zadlu\u017een\u00fd \u010dlov\u011bk doposud plat\u00ed vysok\u00e9 spl\u00e1tky, m\u016f\u017ee klidn\u011b ji\u017e od dal\u0161\u00edho m\u011bs\u00edce spl\u00e1cet v\u00fdrazn\u011b m\u00e9n\u011b a polep\u0161it si tak. D\u00edky del\u0161\u00edmu spl\u00e1tkov\u00e9mu obdob\u00ed m\u016f\u017ee doufat i ve sn\u00ed\u017een\u00ed spl\u00e1tek, je\u017e pak sn\u00e1ze zvl\u00e1d\u00e1, d\u00edky beztrestn\u00e9 mo\u017enosti spl\u00e1cet jednor\u00e1zov\u011b i v\u00edce se m\u016f\u017ee pro zm\u011bnu lehce zbavit povinnosti platit \u00faroky d\u00e9le, ne\u017e je nezbytn\u011b nutn\u00e9.Jenom bl\u00e1zen by platit v\u00edce, ne\u017e mus\u00ed. Rozumn\u00fd \u010dlov\u011bk se star\u00e1, zji\u0161\u0165uje, zda by to, co m\u00e1, ne\u0161lo ud\u011blat n\u011bjak l\u00e9pe. A jednoho dne tak t\u0159eba p\u0159ijde na to, \u017ee se d\u00e1 vyplnit pat\u0159i\u010dn\u00fd kontaktn\u00ed formul\u00e1\u0159 a finan\u010dn\u00ed specialista mu bezplatn\u011b zpracuje nab\u00eddku, je\u017e se v\u011bru m\u016f\u017ee vyplatit. Zejm\u00e9na jedn\u00e1-li se o klienta bez z\u00e1znamu v rejst\u0159\u00edku dlu\u017en\u00edk\u016f.Je-li \u010dlov\u011bk hloup\u00fd, a\u0165 si klidn\u011b plat\u00ed v\u00edc, ne\u017e je zdr\u00e1vo. Ale m\u00e1-li jeden v\u0161ech p\u011bt pohromad\u011b, pro\u010d to nezkusit, \u017ee? Kdy\u017e jde o pen\u00edze, kter\u00e9 \u010dlov\u011bk m\u016f\u017ee v\u017edycky vyu\u017e\u00edt n\u011bjak l\u00e9pe. Ne\u017e aby je cpal n\u011bkomu jenom tak do ch\u0159t\u00e1nu.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00edt se \u010di nem\u00edt?","item":"https:\/\/www.fragante.cz\/mit-se-ci-nemit\/#breadcrumbitem"}]}]