[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.snella.cz\/neplatte-vic-nez-je-nutne\/#Article","mainEntityOfPage":"https:\/\/www.snella.cz\/neplatte-vic-nez-je-nutne\/","headline":"Nepla\u0165te v\u00edc, ne\u017e je nutn\u00e9","name":"Nepla\u0165te v\u00edc, ne\u017e je nutn\u00e9","description":"Pot\u0159eba pen\u011bz prov\u00e1z\u00ed lidi \u010dasto pomalu na ka\u017ed\u00e9m kroku. Kam se jenom pod\u00edv\u00e1me, v\u0161ude po n\u00e1s cht\u011bj\u00ed n\u011bjak\u00e9 pen\u00edze, a my abychom platili a platili. Co\u017e nen\u00ed logicky \u017e\u00e1dn\u00fd probl\u00e9m,…","datePublished":"2022-05-24","dateModified":"2023-05-31","author":{"@type":"Person","@id":"https:\/\/www.snella.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.snella.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/dcb1aeb5e7d95014cdc92e76cf3c72f6b456579bf773ad0081803a6569ffc19c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/dcb1aeb5e7d95014cdc92e76cf3c72f6b456579bf773ad0081803a6569ffc19c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"snella.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.snella.cz\/wp-content\/uploads\/centy%20EU_10_7.jpg","url":"https:\/\/www.snella.cz\/wp-content\/uploads\/centy%20EU_10_7.jpg","height":0,"width":0},"url":"https:\/\/www.snella.cz\/neplatte-vic-nez-je-nutne\/","about":["Finance"],"wordCount":465,"articleBody":"    Pot\u0159eba pen\u011bz prov\u00e1z\u00ed lidi \u010dasto pomalu na ka\u017ed\u00e9m kroku. Kam se jenom pod\u00edv\u00e1me, v\u0161ude po n\u00e1s cht\u011bj\u00ed n\u011bjak\u00e9 pen\u00edze, a my abychom platili a platili. Co\u017e nen\u00ed logicky \u017e\u00e1dn\u00fd probl\u00e9m, dokud m\u00e1me pen\u00edze. Jen\u017ee kdy\u017e my nem\u00e1me pen\u00edze v\u017edycky, kdy\u017e si jenom usmysl\u00edme za n\u011bco platit. N\u011bkdy je zkr\u00e1tka nem\u00e1me. A kdy\u017e je nem\u00e1me, nic se s t\u00edm nenad\u011bl\u00e1. Ale pro to ti, kdo od n\u00e1s pen\u00edze o\u010dek\u00e1vaj\u00ed, nejednou nemaj\u00ed \u017e\u00e1dn\u00e9 pochopen\u00ed. A \u017e\u00e1daj\u00ed sv\u00e9 a nedaj\u00ed si pokoj, dokud jim nezaplat\u00edme. A n\u00e1m tedy nejednou nezb\u00fdv\u00e1 jin\u00e1 mo\u017enost, ne\u017e si na takov\u00e9 placen\u00ed je\u0161t\u011b n\u011bjak\u00e9 pen\u00edze p\u016fj\u010dit.  P\u016fj\u010dka se pak obvykle bere tak, aby n\u00e1s co nejm\u00e9n\u011b zat\u011b\u017eovala. Vyb\u00edr\u00e1me si tud\u00ed\u017e tu, kterou dok\u00e1\u017eeme bez probl\u00e9m\u016f spl\u00e1cet, kterou neprov\u00e1zej\u00ed \u017e\u00e1dn\u00e9 p\u0159ehnan\u00e9 \u00faroky a poplatky. Abychom p\u0159epl\u00e1celi co nejm\u00e9n\u011b a zbyte\u010dn\u011b se tak nep\u0159ipravovali o sv\u00e9 pozd\u011bji vyd\u011blan\u00e9 jm\u011bn\u00ed. Ale co kdy\u017e jednoho dne zjist\u00edme, \u017ee nen\u00ed p\u016fj\u010dka, kterou jsme si prve vzali, tak dokonal\u00e1, jako sou\u010dasn\u00e9 nab\u00eddky? Co kdy\u017e se objevily je\u0161t\u011b levn\u011bj\u0161\u00ed a je\u0161t\u011b atraktivn\u011bj\u0161\u00ed nab\u00eddky, ne\u017e je ta, kterou u\u017e spl\u00e1c\u00edme? Nebo co kdy\u017e se n\u00e1m p\u016fj\u010dka, kterou m\u00e1me, p\u0159estala vypl\u00e1cet po skon\u010den\u00ed jej\u00ed fixace?  V takov\u00e9m p\u0159\u00edpad\u011b se s t\u00edm na\u0161t\u011bst\u00ed d\u00e1 nejednou n\u011bco ud\u011blat. A sice refinancovat. D\u00edky refinancov\u00e1n\u00ed hypot\u00e9ky si m\u016f\u017eeme \u010dasto finan\u010dn\u011b ulevit, m\u016f\u017eeme u\u0161et\u0159it. A to v z\u00e1sad\u011b jenom d\u00edky tomu, \u017ee d\u0159\u00edv\u011bj\u0161\u00ed nev\u00fdhodnou p\u016fj\u010dku vym\u011bn\u00edme za novou, lep\u0161\u00ed. Kdy\u017e k tomu dojde, znamen\u00e1 to vlastn\u011b to, \u017ee starou p\u016fj\u010dku p\u0159ed\u010dasn\u011b splat\u00edme p\u016fj\u010dkou novou. A nad\u00e1le u\u017e tedy m\u00e1me tu nov\u011bj\u0161\u00ed a v\u00fdhodn\u011bj\u0161\u00ed p\u016fj\u010dku, kter\u00e1 se n\u00e1m l\u00e9pe spl\u00e1c\u00ed. T\u0159eba kv\u016fli je\u0161t\u011b ni\u017e\u0161\u00edm \u00farok\u016fm, t\u0159eba kv\u016fli ni\u017e\u0161\u00edm poplatk\u016fm, vhodn\u011bj\u0161\u00ed v\u00fd\u0161i spl\u00e1tek a d\u00e9lce spl\u00e1cen\u00ed apod. Co z toho v\u00fd\u0161e vy\u0159\u010den\u00e9ho vypl\u00fdv\u00e1? Vlastn\u011b jedin\u00e9. \u017de bychom ani pot\u00e9, co si vezmeme p\u016fj\u010dku, nem\u011bli spou\u0161t\u011bt ze z\u0159etele situaci na trhu. A nem\u011bli bychom se zdr\u00e1hat vyu\u017e\u00edt cokoliv, co n\u00e1m m\u016f\u017ee prosp\u011bt. Tedy mimo jin\u00e9 i refinancov\u00e1n\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          3.9\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nepla\u0165te v\u00edc, ne\u017e je nutn\u00e9","item":"https:\/\/www.snella.cz\/neplatte-vic-nez-je-nutne\/#breadcrumbitem"}]}]