[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pujcky-s-0-urokem\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pujcky-s-0-urokem\/","headline":"P\u016fj\u010dky s 0% \u00farokem","name":"P\u016fj\u010dky s 0% \u00farokem","description":"Tyto p\u016fj\u010dky vypadaj\u00ed velice zaj\u00edmav\u011b. Pod\u00edv\u00e1me se tedy, jak to doopravdy je. Jak vlastn\u011b tato p\u016fj\u010dka funguje? V\u011bt\u0161inou pokud si berete takovou p\u016fj\u010dku, v\u0161ude sv\u00edt\u00ed 0%, 0% a \u010dlov\u011bku se to velice l\u00edb\u00ed a p\u016fsob\u00ed to. Nicm\u00e9n\u011b v\u011bt\u0161inou jsou zde skryt\u00e9 poplatky. Sta\u010d\u00ed se pod\u00edvat do toho, co je naps\u00e1no mal\u00fdm p\u00edsmem pod takovou nab\u00eddkou. &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pujcky-s-0-urokem\/\"> <span class=\"screen-reader-text\">P\u016fj\u010dky s 0% \u00farokem<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2018-01-05","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_a309241_w1990_t1520236019.png","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a309241_w1990_t1520236019.png","height":"","width":""},"url":"https:\/\/www.zerba.cz\/pujcky-s-0-urokem\/","about":["P\u016fj\u010dky"],"wordCount":511,"articleBody":"\tTyto p\u016fj\u010dky vypadaj\u00ed velice zaj\u00edmav\u011b. Pod\u00edv\u00e1me se tedy, jak to doopravdy je. Jak vlastn\u011b tato p\u016fj\u010dka funguje? V\u011bt\u0161inou pokud si berete takovou p\u016fj\u010dku, v\u0161ude sv\u00edt\u00ed 0%, 0% a \u010dlov\u011bku se to velice l\u00edb\u00ed a p\u016fsob\u00ed to. Nicm\u00e9n\u011b v\u011bt\u0161inou jsou zde skryt\u00e9 poplatky. Sta\u010d\u00ed se pod\u00edvat do toho, co je naps\u00e1no mal\u00fdm p\u00edsmem pod takovou nab\u00eddkou. \u010casto toti\u017e plat\u00edte jednor\u00e1zovou \u010d\u00e1stku za poskytnut\u00ed takov\u00e9 p\u016fj\u010dky, tedy samoz\u0159ejm\u011b p\u0159eplat\u00edte, zadarmo to nen\u00ed. Mnohdy je tak\u00e9 podm\u00ednka m\u00edt \u00fa\u010det u t\u00e9 konkr\u00e9tn\u00ed bankovn\u00ed instituce s kter\u00fdm mohou b\u00fdt spojen\u00e9 dal\u0161\u00ed poplatky za veden\u00ed \u00fa\u010dtu. Toto se d\u011bje v p\u0159\u00edpad\u011b, \u017ee nespln\u00edte n\u011bjakou minim\u00e1ln\u00ed \u010d\u00e1stku p\u0159\u00edchoz\u00edch plateb, ta m\u016f\u017ee b\u00fdt stanovena nap\u0159\u00edklad na 15 000 K\u010d m\u011bs\u00ed\u010dn\u011b. Pokud podm\u00ednku nespln\u00edte, je tam poplatek (nap\u0159\u00edklad 59 K\u010d, 69 K\u010d, nebo i v\u00edce). Je pot\u0159eba si na toto d\u00e1vat opravdu pozor.\t\t&nbsp;\tMnohdy se st\u00e1v\u00e1, \u017ee je \u00fa\u010dtov\u00e1n i tzv. poplatek za veden\u00ed \u00fav\u011brov\u00e9ho \u00fa\u010dtu. M\u00e1m konkr\u00e9tn\u00ed p\u0159\u00edklad z praxe. V\u00edm, \u017ee jedna nejmenovan\u00e1 instituce m\u011bla takovou akci. \u010clov\u011bk si mohl vz\u00edt p\u016fj\u010dku s 0% \u00farokem p\u0159\u00edmo z kreditn\u00ed karty. To zn\u00ed velice hezky, vzhledem k tomu, jak\u00fd je \u00farok na kreditn\u00ed kart\u011b. Podm\u00ednka byla, \u017ee je pot\u0159eba dle vyu\u017eit\u00e9 \u010d\u00e1stky m\u011bs\u00ed\u010dn\u011b zaplatit 500 K\u010d, 1 000 K\u010d, 2 500 K\u010d. To tak\u00e9 nezn\u00ed \u0161patn\u011b, proto\u017ee v\u011bt\u0161inou ten \u010dlov\u011bk kartu tak\u00e9 vyu\u017e\u00edval. Ale samoz\u0159ejm\u011b tu byl h\u00e1\u010dek, proto\u017ee ve\u0161ker\u00e9 transakce, kter\u00e9 klient kreditn\u00ed kartou ud\u011blal se \u00faro\u010d\u00ed vysokou \u00farokovou sazbou a v\u0161echny pen\u00edze, kter\u00e9 jdou jako spl\u00e1tka na kreditn\u00ed kartu jdou na uhrazen\u00ed vyu\u017e\u00edt\u00e9 \u010d\u00e1stky s 0% \u00farokem. Co se tedy stane? \u010c\u00edm v\u00edce \u010derp\u00e1te, t\u00edm v\u00edce vlastn\u011b plat\u00edte na \u00faroc\u00edch a bankovn\u00ed instituci se to opravdu vyplat\u00ed. Proto je pot\u0159eba si v\u0161echno pe\u010dliv\u011b zjistit a doptat se na podrobnosti. M\u016f\u017ee se potom st\u00e1t, \u017ee takov\u00e1 &ldquo;v\u00fdhodn\u00e1&rdquo; nab\u00eddka se nakonec stane velice nev\u00fdhodnou.\t&nbsp;\tV dne\u0161n\u00ed dob\u011b je hodn\u011b nab\u00eddek tzv. &ldquo;marketingov\u00fd tah na z\u00e1kazn\u00edka&rdquo;. Nen\u00ed to klam\u00e1n\u00ed, proto\u017ee mal\u00fdm p\u00edsmem je v\u0161e pops\u00e1no, ale kdo z n\u00e1s to v\u0161echno \u010dte? Je to chyba. Mus\u00edme se na to zam\u011b\u0159it a ne\u017e se n\u011bco podep\u00ed\u0161e, rad\u0161i n\u011bkolikr\u00e1t p\u0159e\u010d\u00edst a zeptat se. Neznalost neomlouv\u00e1, d\u00e1vejte si na to pozor. Ne\u017e tedy se k p\u016fj\u010dce s 0% \u00farokem opravdu rozhodnete, porovnejte si, jestli se vyplat\u00ed a jestli nen\u00ed paradoxn\u011b lep\u0161\u00ed vz\u00edt si p\u016fj\u010dku s men\u0161\u00edm \u00farokem, proto\u017ee to vyjde ve fin\u00e1le l\u00e9pe. P\u0159eji v\u0161em \u0161\u0165astnou volbu.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dky s 0% \u00farokem","item":"https:\/\/www.zerba.cz\/pujcky-s-0-urokem\/#breadcrumbitem"}]}]