[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pujcky-s-dobou-splatnosti-az-120-mesicu\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pujcky-s-dobou-splatnosti-az-120-mesicu\/","headline":"P\u016fj\u010dky s dobou splatnosti a\u017e 120 m\u011bs\u00edc\u016f","name":"P\u016fj\u010dky s dobou splatnosti a\u017e 120 m\u011bs\u00edc\u016f","description":"Ur\u010dit\u011b zn\u00e1te mnoh\u00e9 reklamy na p\u016fj\u010dky, kter\u00e9 maj\u00ed dlouhou dobu splatnosti. Ur\u010dit\u011b se pt\u00e1te, zda je v\u016fbec takov\u00e1 doba splatnosti v\u00fdhodn\u00e1? &nbsp; Klady del\u0161\u00ed doby splatnosti:&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &#8211; lze si vz\u00edt v\u011bt\u0161\u00ed \u010d\u00e1stku &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &#8211; lze z\u00edskat co nejni\u017e\u0161\u00ed spl\u00e1tku p\u016fj\u010dky &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &#8211; men\u0161\u00ed z\u00e1t\u011b\u017e do rozpo\u010dtu &nbsp; Z\u00e1pory del\u0161\u00ed doby splatnosti: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &#8211; \u010dlov\u011bk &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pujcky-s-dobou-splatnosti-az-120-mesicu\/\"> <span class=\"screen-reader-text\">P\u016fj\u010dky s dobou splatnosti a\u017e 120 m\u011bs\u00edc\u016f<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2023-04-29","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_a309125_w2000_t1520093689.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a309125_w2000_t1520093689.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/pujcky-s-dobou-splatnosti-az-120-mesicu\/","about":["P\u016fj\u010dky"],"wordCount":802,"articleBody":"Ur\u010dit\u011b zn\u00e1te mnoh\u00e9 reklamy na p\u016fj\u010dky, kter\u00e9 maj\u00ed dlouhou dobu splatnosti. Ur\u010dit\u011b se pt\u00e1te, zda je v\u016fbec takov\u00e1 doba splatnosti v\u00fdhodn\u00e1?&nbsp;Klady del\u0161\u00ed doby splatnosti:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &#8211; lze si vz\u00edt v\u011bt\u0161\u00ed \u010d\u00e1stku&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &#8211; lze z\u00edskat co nejni\u017e\u0161\u00ed spl\u00e1tku p\u016fj\u010dky&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &#8211; men\u0161\u00ed z\u00e1t\u011b\u017e do rozpo\u010dtu&nbsp;Z\u00e1pory del\u0161\u00ed doby splatnosti:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &#8211; \u010dlov\u011bk se na dlouhou dobu uv\u00e1\u017ee ke spl\u00e1cen\u00ed&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &#8211; \u010d\u00edm del\u0161\u00ed doba splatnosti, t\u00edm v\u00edce p\u0159eplat\u00edte na \u00faroc\u00edch&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#8211; mo\u017en\u00e9 poplatky s p\u0159ed\u010dasn\u00fdm splacen\u00edm&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &#8211; v p\u0159\u00edpad\u011b zm\u011bny doby splatnosti &#8211; mnohem v\u011bt\u0161\u00ed spl\u00e1tka&nbsp;Je pot\u0159eba se po\u0159\u00e1dn\u011b rozmyslet, jakou dobu splatnosti zvolit. Berte v potaz, \u017ee se uv\u00e1\u017eete na dlouhou dobu a po tuto dobu budete muset spl\u00e1cet. Opticky vypad\u00e1 v\u0161e kr\u00e1sn\u011b, nicm\u00e9n\u011b je pot\u0159eba si uv\u011bdomit, \u017ee t\u00edm p\u00e1dem je mnohem v\u011bt\u0161\u00ed p\u0159eplatek v r\u00e1mci \u00farok\u016f a p\u0159\u00edpadn\u00fdch poplatk\u016f. \u010casto se tak\u00e9 st\u00e1v\u00e1, \u017ee pokud si berete takovou p\u016fj\u010dku, je pot\u0159eba si z\u0159\u00eddit u banky b\u011b\u017en\u00fd \u00fa\u010det &#8211; co\u017e n\u011bkdy m\u016f\u017ee v\u00e9st k dal\u0161\u00edm polatk\u016fm a nutnosti \u00fa\u010det aktivn\u011b vyu\u017e\u00edvat (pak je mo\u017en\u00e9 m\u00edt \u00fa\u010det bez poplatku). P\u016fj\u010dka s takovou dobou splatnosti je ur\u010dit\u011b dobr\u00e1 v p\u0159\u00edpad\u011b, \u017ee pot\u0159ebujete co nejmen\u0161\u00ed spl\u00e1tku. V tomto p\u0159\u00edpad\u011b je pot\u0159eba tak\u00e9 sledovat, jak je to s p\u0159ed\u010dasn\u00fdm splacen\u00edm p\u016fj\u010dky.\u010casto mohou b\u00fdt \u00fa\u010dtovan\u00e9 sankce za p\u0159ed\u010dasn\u00e9 splacen\u00ed. Hlavn\u011b pozor na nebankovn\u00ed instituce. V\u017edy si dob\u0159e p\u0159e\u010dt\u011bte celou smlouvu. V\u00edm, \u017ee te\u010f \u0159eknete, \u017ee p\u0159ece nebudete \u010d\u00edst tolik pap\u00edr\u016f, ale alespo\u0148 z\u00e1kladn\u00ed \u00fadaje je ur\u010dit\u011b pot\u0159eba si pro\u010d\u00edst. Minim\u00e1ln\u011b se na to zeptat bank\u00e9\u0159e. Osobn\u011b si tedy mysl\u00edm, \u017ee p\u016fj\u010dky jsou dobr\u00e9, ale je pot\u0159eba si d\u00e1vat pozor. S\u00e1m vyu\u017e\u00edv\u00e1m p\u016fj\u010dku maxim\u00e1ln\u011b na 60 m\u011bs\u00edc\u016f, proto\u017ee i to je dlouh\u00e1 doba.&nbsp;Samoz\u0159ejm\u011b p\u0159ed\u010dasn\u00e9 splacen\u00ed je mo\u017en\u00e9, ale opravdu je pot\u0159eba si p\u0159edem zjistit, jak to v tomto p\u0159\u00edpad\u011b funguje. Celkov\u011b vzato je dlouhodob\u00e1 p\u016fj\u010dka dobr\u00e1 pro lidi, kte\u0159\u00ed pot\u0159ebuj\u00ed v\u011bt\u0161\u00ed mno\u017estv\u00ed pen\u011bz s co nejni\u017e\u0161\u00ed spl\u00e1tkou. D\u00e1vejte si ale pozor na p\u0159idru\u017een\u00e9 poplatky, kter\u00e9 k tomu mohou b\u00fdt. \u010casto se tak\u00e9 m\u016f\u017ee st\u00e1t, \u017ee dostanete po n\u011bjak\u00e9 dob\u011b \u0159\u00e1dn\u00e9ho spl\u00e1cen\u00ed kreditn\u00ed kartu. Tu samoz\u0159ejm\u011b vyu\u017e\u00edt nemus\u00edte, ale v bankovn\u00edm a nebankovn\u00edm registru je karta vedena i kdy\u017e ji nevyu\u017e\u00edv\u00e1te. Hlavn\u011b se nebojte pt\u00e1t a p\u0159eji \u0161\u0165astnou volbu.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dky s dobou splatnosti a\u017e 120 m\u011bs\u00edc\u016f","item":"https:\/\/www.zerba.cz\/pujcky-s-dobou-splatnosti-az-120-mesicu\/#breadcrumbitem"}]}]