[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pujcka-bez-rpsn\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pujcka-bez-rpsn\/","headline":"P\u016fj\u010dka bez rpsn","name":"P\u016fj\u010dka bez rpsn","description":"P\u016fj\u010dky jsou neodmysliteln\u011b spjaty s&nbsp;\u00faroky, poplatky, dobou splatnosti, v\u00fd\u0161i \u00fav\u011bru a tak\u00e9 s&nbsp;n\u00e1zvem RPSN. Co tedy rpsn znamen\u00e1? RPSN je zkratkou pro n\u00e1zev ro\u010dn\u00ed procentu\u00e1ln\u00ed sazba n\u00e1klad\u016f. V\u011bt\u0161inou na tento n\u00e1zev naraz\u00edte, pokud se budete zaj\u00edmat o n\u011bjak\u00fd druh p\u016fj\u010dky nebo \u00fav\u011bru. Stejn\u011b tak, jako se ud\u00e1v\u00e1 v\u00fd\u0161e \u00farok\u016f, kter\u00e9 spl\u00e1c\u00edte z\u00e1rove\u0148 s&nbsp;m\u011bs\u00ed\u010dn\u00ed spl\u00e1tkou a &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pujcka-bez-rpsn\/\"> <span class=\"screen-reader-text\">P\u016fj\u010dka bez rpsn<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-15","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}},"url":"https:\/\/www.zerba.cz\/pujcka-bez-rpsn\/","about":["P\u016fj\u010dky"],"wordCount":470,"articleBody":"P\u016fj\u010dky jsou neodmysliteln\u011b spjaty s&nbsp;\u00faroky, poplatky, dobou splatnosti, v\u00fd\u0161i \u00fav\u011bru a tak\u00e9 s&nbsp;n\u00e1zvem RPSN. Co tedy rpsn znamen\u00e1? RPSN je zkratkou pro n\u00e1zev ro\u010dn\u00ed procentu\u00e1ln\u00ed sazba n\u00e1klad\u016f. V\u011bt\u0161inou na tento n\u00e1zev naraz\u00edte, pokud se budete zaj\u00edmat o n\u011bjak\u00fd druh p\u016fj\u010dky nebo \u00fav\u011bru. Stejn\u011b tak, jako se ud\u00e1v\u00e1 v\u00fd\u0161e \u00farok\u016f, kter\u00e9 spl\u00e1c\u00edte z\u00e1rove\u0148 s&nbsp;m\u011bs\u00ed\u010dn\u00ed spl\u00e1tkou a jedn\u00e1 se o jak\u00fdsi druh p\u0159\u00edjmu pro banku nebo nebankovn\u00ed spole\u010dnost za to, \u017ee v\u00e1m pen\u00edze poskytli na ur\u010dit\u00e9 obdob\u00ed, tak m\u016f\u017eeme narazit p\u0159i b\u011b\u017en\u00fdch p\u016fj\u010dk\u00e1ch a \u00fav\u011brech i na rpsn. Tato veli\u010dina se ud\u00e1v\u00e1 p\u0159edev\u0161\u00edm kv\u016fli tomu, aby byl klient n\u011bjak\u00fdm zp\u016fsobem chr\u00e1n\u011bn a v\u011bd\u011bl, co v\u0161echno a kolik toho je\u0161t\u011b zaplat\u00ed. Jedn\u00e1 se tedy o ro\u010dn\u00ed procentu\u00e1ln\u00ed sazbu n\u00e1klad\u016f. Stejn\u011b tak jako u \u00farok\u016f, i zde plat\u00ed p\u0159\u00edm\u00e1 \u00fam\u011bra: \u010d\u00edm je tato sazba ni\u017e\u0161\u00ed, t\u00edm je \u00fav\u011br v&nbsp;podstat\u011b levn\u011bj\u0161\u00ed.\tRPSN je jen \u010d\u00edsloN\u011bkdo si mysl\u00ed, \u017ee je to jen n\u011bjak\u00e9 dal\u0161\u00ed \u010d\u00edslo, ale rozhodn\u011b bychom nedoporu\u010dovali toto \u010d\u00edslo podce\u0148ovat. M\u00e1 toti\u017e v&nbsp;oblasti p\u016fj\u010dek a \u00fav\u011br\u016f velk\u00fd v\u00fdznam. Proto je dobr\u00e9 p\u016fj\u010dky v&nbsp;tomto ohledu porovn\u00e1vat. D\u00edky tomu m\u016f\u017eete z\u00edskat vhodn\u011bj\u0161\u00ed p\u016fj\u010dku pro va\u0161e pot\u0159eby a nep\u0159eplatit p\u0159\u00edli\u0161 vysok\u00e9 \u010d\u00e1stky.Toto \u010d\u00edslo v&nbsp;podstat\u011b ud\u00e1v\u00e1 celkov\u00e9 n\u00e1klady spojen\u00e9 s&nbsp;poskytnut\u00edm \u00fav\u011bru a je uv\u00e1d\u011bno v&nbsp;procentu\u00e1ln\u00edch cifr\u00e1ch. Abychom se l\u00e9pe zorientovali, pak si m\u016f\u017eeme narovinu \u0159\u00edct, \u017ee \u010d\u00edm ni\u017e\u0161\u00ed rpsn, t\u00edm pro v\u00e1s bude \u00fav\u011br v\u00fdhodn\u011bj\u0161\u00ed, av\u0161ak jenom ukazatelem rpsn to nekon\u010d\u00ed. \u00dav\u011br nebo p\u016fj\u010dku mus\u00edme posuzovat i podle dal\u0161\u00edch krit\u00e9ri\u00ed, kter\u00e9 n\u00e1m pasuj\u00ed, vyhovuj\u00ed a tak d\u00e1le, proto m\u011bjte na pam\u011bti, \u017ee to, co jednomu p\u0159ipad\u00e1 jako nejv\u00fdhodn\u011bj\u0161\u00ed, jin\u00e9mu m\u016f\u017ee p\u0159ipadat jako m\u00e9n\u011b v\u00fdhodn\u00e9 a naopak, to, co je pro jednoho nejlep\u0161\u00ed, nemus\u00ed b\u00fdt t\u00edm nejlep\u0161\u00edm i pro druh\u00e9ho. Samoz\u0159ejm\u011b, \u017ee \u010d\u00edm ni\u017e\u0161\u00ed \u00faroky a m\u00edra rpsn, t\u00edm je p\u016fj\u010dka pro v\u0161echny klienty v&nbsp;jejich o\u010d\u00edch v\u00fdhodn\u011bj\u0161\u00ed, ale pod\u00edvat bychom se v\u017edy m\u011bli i na dal\u0161\u00ed informace, poplatky, v\u00fdhody a negativa a zohlednit p\u0159i v\u00fdv\u011bru v\u00edce krit\u00e9ri\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka bez rpsn","item":"https:\/\/www.zerba.cz\/pujcka-bez-rpsn\/#breadcrumbitem"}]}]