[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/urok-z-pujcky\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/urok-z-pujcky\/","headline":"\u00darok z p\u016fj\u010dky","name":"\u00darok z p\u016fj\u010dky","description":"Jakmile \u010dlov\u011bk vyslov\u00ed slovo p\u016fj\u010dka, hned mu na mysli vyvstane i n\u011bkolik dal\u0161\u00edch zaj\u00edmav\u00fdch faktor\u016f. V&nbsp;prv\u00e9 \u0159ad\u011b jsou to samoz\u0159ejm\u011b pen\u00edze, ale hned ve druh\u00e9 jsou to \u00faroky. Ne, \u017ee by se jich lid\u00e9 b\u00e1li, ale je to p\u0159esn\u011b to, co bychom nejrad\u011bji p\u0159i p\u016fj\u010dov\u00e1n\u00ed pen\u011bz vynechali. To samoz\u0159ejm\u011b nen\u00ed v&nbsp;re\u00e1ln\u00e9m sv\u011bt\u011b mo\u017en\u00e9, a tak &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/urok-z-pujcky\/\"> <span class=\"screen-reader-text\">\u00darok z p\u016fj\u010dky<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-01","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\/urok-z-pujcky\/","about":["P\u016fj\u010dky"],"wordCount":454,"articleBody":"Jakmile \u010dlov\u011bk vyslov\u00ed slovo p\u016fj\u010dka, hned mu na mysli vyvstane i n\u011bkolik dal\u0161\u00edch zaj\u00edmav\u00fdch faktor\u016f. V&nbsp;prv\u00e9 \u0159ad\u011b jsou to samoz\u0159ejm\u011b pen\u00edze, ale hned ve druh\u00e9 jsou to \u00faroky. Ne, \u017ee by se jich lid\u00e9 b\u00e1li, ale je to p\u0159esn\u011b to, co bychom nejrad\u011bji p\u0159i p\u016fj\u010dov\u00e1n\u00ed pen\u011bz vynechali. To samoz\u0159ejm\u011b nen\u00ed v&nbsp;re\u00e1ln\u00e9m sv\u011bt\u011b mo\u017en\u00e9, a tak se pust\u00edme do definice \u00farok\u016f. \u00darok z&nbsp;p\u016fj\u010dky je pom\u011brn\u011b b\u011b\u017enou z\u00e1le\u017eitost\u00ed a neodmyslitelnou sou\u010d\u00e1st\u00ed bankovnictv\u00ed. \u00darok se ud\u00e1v\u00e1 v&nbsp;procentech a zna\u010d\u00ed v\u00fd\u0161i jak\u00e9si odm\u011bny pro v\u011b\u0159itele. V\u011b\u0159itel je samoz\u0159ejm\u011b osoba v&nbsp;praxi nej\u010dast\u011bji banka nebo nebankovn\u00ed spole\u010dnost, kter\u00e1 p\u016fj\u010duje pen\u00edze. P\u016fj\u010dovat je m\u016f\u017ee lidem, ale tak\u00e9 firm\u00e1m. P\u016fj\u010dov\u00e1n\u00ed v\u0161ak nen\u00ed zadarmo, to jist\u011b v\u0161ichni moc dob\u0159e ch\u00e1peme a v\u00edme, \u017ee to n\u011bco bude st\u00e1t. A pr\u00e1v\u011b p\u016fj\u010dov\u00e1n\u00ed pen\u011bz je &bdquo;zpoplatn\u011bno&ldquo; takzvan\u00fdm \u00farokem. \u010cili se jedn\u00e1 o procenta, kter\u00e1 se p\u0159ipo\u010d\u00edt\u00e1vaj\u00ed k&nbsp;vyp\u016fj\u010den\u00e9 \u010d\u00e1stce a zna\u010d\u00ed jak\u00fdsi druh v\u00fdd\u011blku, \u010di odm\u011bny pro toho, kdo n\u00e1m pen\u00edze vyp\u016fj\u010dil, kdo n\u00e1m je poskytnul na ur\u010dit\u00e9 \u010dasov\u00e9 obdob\u00ed. Ka\u017ed\u00fd by cht\u011bl m\u00edt \u00farok samoz\u0159ejm\u011b co nejni\u017e\u0161\u00ed, proto\u017ee od toho se odv\u00edj\u00ed, kolik takzvan\u011b p\u0159eplat\u00edte. \u010casto se v&nbsp;souvislosti s&nbsp;\u00farokem mluv\u00ed pr\u00e1v\u011b o tom, \u017ee takzvan\u011b n\u011bco v&nbsp;r\u00e1mci p\u016fj\u010dky p\u0159eplat\u00edte. Kolik to bude, to v\u00e1m m\u016f\u017ee \u0159\u00edct nap\u0159\u00edklad kalkula\u010dka \u00farok\u016f, kter\u00fdch je na internetu mnoho.\tOdm\u011bna v\u011b\u0159iteli za poskytnut\u00ed p\u016fj\u010dky\u00daroky se dohodnou v&nbsp;r\u00e1mci p\u016fj\u010dky nebo \u00fav\u011bru. Sepisuje se takzvan\u00e1 \u00fav\u011brov\u00e1 smlouva nebo smlouva o p\u016fj\u010dce, kde jsou \u00faroky samoz\u0159ejm\u011b uveden\u00e9. Ka\u017ed\u00fd by m\u011bl zn\u00e1t jejich v\u00fd\u0161i je\u0161t\u011b p\u0159edt\u00edm, ne\u017e n\u011bjakou smlouvu podep\u00ed\u0161e. Jakmile si pen\u00edze vyp\u016fj\u010d\u00edte, spl\u00e1c\u00edte m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky, kter\u00e9 budou obsahovat i \u010d\u00e1stku \u00faroku. Zap\u016fj\u010den\u00e1 \u010d\u00e1stka se mus\u00ed splatit i s&nbsp;\u00farokem \u010dili na konci, jakmile nic nedlu\u017e\u00edte, jste splatili jak vyp\u016fj\u010denou \u010d\u00e1stku, tak samoz\u0159ejm\u011b i \u00faroky.Procenta \u00faroku se naz\u00fdvaj\u00ed jako \u00farokov\u00e1 m\u00edra. Ta m\u016f\u017ee b\u00fdt bu\u010fto nomin\u00e1ln\u00ed nebo re\u00e1ln\u00e1.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u00darok z p\u016fj\u010dky","item":"https:\/\/www.zerba.cz\/urok-z-pujcky\/#breadcrumbitem"}]}]