[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/je-pujcka-dobry-sluha\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/je-pujcka-dobry-sluha\/","headline":"Je p\u016fj\u010dka dobr\u00fd sluha?","name":"Je p\u016fj\u010dka dobr\u00fd sluha?","description":"Po\u0159\u00e1d na n\u00e1s \u00fato\u010d\u00ed reklama na p\u016fj\u010dky. V\u017edy, kdy\u017e jdeme do banky, tak dostaneme nab\u00eddku na p\u016fj\u010dku. P\u016fj\u010dky nejsou nab\u00edzeny jenom takto osobn\u011b, ale tak\u00e9 telefonicky, a to pom\u011brn\u011b hodn\u011b \u010dasto. Jak\u00fd m\u00e1te na p\u016fj\u010dky n\u00e1zor? P\u016fj\u010dka n\u00e1m m\u016f\u017ee pomoci, kdy\u017e se dostaneme do n\u011bjak\u00e9 hor\u0161\u00ed \u017eivotn\u00ed situace. M\u016f\u017ee n\u00e1m tak\u00e9 pomoci p\u0159i \u0159e\u0161en\u00ed nenad\u00e1l\u00fdch &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/je-pujcka-dobry-sluha\/\"> <span class=\"screen-reader-text\">Je p\u016fj\u010dka dobr\u00fd sluha?<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2018-01-24","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a310941_w1997_t1521882674.png","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a310941_w1997_t1521882674.png","height":"","width":""},"url":"https:\/\/www.zerba.cz\/je-pujcka-dobry-sluha\/","about":["P\u016fj\u010dky"],"wordCount":478,"articleBody":"Po\u0159\u00e1d na n\u00e1s \u00fato\u010d\u00ed reklama na p\u016fj\u010dky. V\u017edy, kdy\u017e jdeme do banky, tak dostaneme nab\u00eddku na p\u016fj\u010dku. P\u016fj\u010dky nejsou nab\u00edzeny jenom takto osobn\u011b, ale tak\u00e9 telefonicky, a to pom\u011brn\u011b hodn\u011b \u010dasto. Jak\u00fd m\u00e1te na p\u016fj\u010dky n\u00e1zor? P\u016fj\u010dka n\u00e1m m\u016f\u017ee pomoci, kdy\u017e se dostaneme do n\u011bjak\u00e9 hor\u0161\u00ed \u017eivotn\u00ed situace. M\u016f\u017ee n\u00e1m tak\u00e9 pomoci p\u0159i \u0159e\u0161en\u00ed nenad\u00e1l\u00fdch \u017eivotn\u00edch situac\u00ed. P\u016fj\u010dku si m\u016f\u017eete z\u0159\u00eddit u banky anebo samoz\u0159ejm\u011b u nebankovn\u00ed instituce. V r\u00e1mci p\u016fj\u010dek existuje mnoho nab\u00eddek. Je pot\u0159eba zde sledovat ro\u010dn\u00ed \u00farokovou sazbu, ro\u010dn\u00ed procentn\u00ed sazbu n\u00e1klad\u016f, skryt\u00e9 poplatky, nutnost vlastnit u instituce b\u011b\u017en\u00fd \u00fa\u010det, podm\u00ednky p\u0159ed\u010dasn\u00e9ho splacen\u00ed, mo\u017enou dobu splatnosti a tak\u00e9 co se stane v p\u0159\u00edpad\u011b, \u017ee se dostaneme do t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situace. Rozhodn\u011b je pot\u0159eba si zjistit ve\u0161ker\u00e9 parametry.&nbsp;Doba splatnosti p\u016fj\u010dky m\u016f\u017ee b\u00fdt a\u017e 120 m\u011bs\u00edc\u016f. Je pot\u0159eba si rozmyslet, co je pro \u010dlov\u011bka nejlep\u0161\u00ed. Jde samoz\u0159ejm\u011b o spl\u00e1tku, aby nebyla moc vysok\u00e1 a nezat\u00ed\u017eila n\u00e1\u0161 finan\u010dn\u00ed rozpo\u010det. Mus\u00edte si tak\u00e9 velice dob\u0159e promyslet i \u010d\u00e1stku, kterou si hodl\u00e1te p\u016fj\u010dit. Na z\u00e1klad\u011b \u010d\u00e1stky a doby splatnosti zjist\u00edte, co je pro v\u00e1s nejp\u0159ijateln\u011bj\u0161\u00ed mo\u017enost.&nbsp;P\u016fj\u010dka ano, ale&hellip;&nbsp;Jsou situace, kdy se p\u016fj\u010dka hod\u00ed (koup\u011b nov\u00e9ho auta, vybaven\u00ed bytu, studium v zahrani\u010d\u00ed, ne\u010dekan\u00e9 v\u00fddaje). Rozhodn\u011b nen\u00ed dobr\u00e9 si br\u00e1t p\u016fj\u010dku nap\u0159\u00edklad na mobiln\u00ed telefony, dovolen\u00e9, oble\u010den\u00ed, men\u0161\u00ed dom\u00e1c\u00ed vybaven\u00ed a u\u017e v\u016fbec ne na potraviny. Nejv\u011bt\u0161\u00edm nebezpe\u010d\u00edm je, \u017ee si \u010dlov\u011bk vezme mnoho mal\u00fdch p\u016fj\u010dek a nebudu schopen v\u0161e spl\u00e1cet. Nezapom\u00ednejte na to, \u017ee ka\u017ed\u00fd dluh se mus\u00ed splatit. Pokud se dostanete do finan\u010dn\u00ed t\u00edsn\u011b, tak je pot\u0159eba co nejd\u0159\u00edve naj\u00edt \u0159e\u0161en\u00ed. Pokud to nech\u00e1te doj\u00edt do extr\u00e9mu, tak se m\u016f\u017eete jednodu\u0161e dostat a\u017e k exekuci a velk\u00e9m probl\u00e9mu zabavov\u00e1n\u00ed v\u011bc\u00ed.&nbsp;P\u016fj\u010dku si rozhodn\u011b vz\u00edt m\u016f\u017eete. Osobn\u011b proti tomuto trendu nic nem\u00e1m. Velice doporu\u010duji si ale v\u0161e dob\u0159e promyslet. Odhadnout svoje mo\u017enosti a finan\u010dn\u00ed situaci. Zamyslete se i nad t\u00edm, zda opravdu tu konkr\u00e9tn\u00ed v\u011bc pot\u0159ebujete. D\u00e1vejte si pozor na \u00faroky, ro\u010dn\u00ed procentn\u00ed sazbu n\u00e1klad\u016f a podm\u00ednky p\u0159ed\u010dasn\u00e9ho splacen\u00ed &#8211; velice d\u016fle\u017eit\u00e9 v\u011bci. P\u0159eji \u0161\u0165astnou volbu a d\u00e1vejte si na sv\u00e9 finance pozor.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je p\u016fj\u010dka dobr\u00fd sluha?","item":"https:\/\/www.zerba.cz\/je-pujcka-dobry-sluha\/#breadcrumbitem"}]}]