[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.youcool.cz\/neni-pujcka-jako-pujcka-aneb-jak-neverit-mytum\/#Article","mainEntityOfPage":"https:\/\/www.youcool.cz\/neni-pujcka-jako-pujcka-aneb-jak-neverit-mytum\/","headline":"Nen\u00ed p\u016fj\u010dka jako p\u016fj\u010dka, aneb jak nev\u011b\u0159it m\u00fdt\u016fm","name":"Nen\u00ed p\u016fj\u010dka jako p\u016fj\u010dka, aneb jak nev\u011b\u0159it m\u00fdt\u016fm","description":"Ka\u017ed\u00fd s\u00a0n\u00e1s se m\u016f\u017ee jednoho dne dostat do situace, kdy bude muset s\u00e1hnout po p\u016fj\u010dce.\u00a0 Tuto situaci v\u011bt\u0161inou konzultujeme se sv\u00fdmi bl\u00edzk\u00fdmi, kte\u0159\u00ed n\u00e1s v\u0161ak mohou uv\u00e9st v\u00a0omyl, proto\u017ee v\u011b\u0159\u00ed zrovna jednomu z\u00a0m\u00fdt\u016f, kter\u00e9 kolem p\u016fj\u010dek koluj\u00ed.\u00a0 N\u00e1sleduj\u00edc\u00ed p\u0159ehled by v\u00e1m m\u011bl pomoci, jak se nenechat vyv\u00e9st z\u00a0rovnov\u00e1hy a m\u00edt v\u0161e pod kontrolou.\u00a0M\u00fdtus prvn\u00ed: Vyberu ... <a href=\"https:\/\/www.youcool.cz\/neni-pujcka-jako-pujcka-aneb-jak-neverit-mytum\/\" class=\"more-link\">Read More<span class=\"screen-reader-text\"> \"Nen\u00ed p\u016fj\u010dka jako p\u016fj\u010dka, aneb jak nev\u011b\u0159it m\u00fdt\u016fm\"<\/span> &raquo;<\/a>","datePublished":"2019-08-12","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.youcool.cz\/author\/#Person","name":"","url":"https:\/\/www.youcool.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/163f6c65c8acab43fa062eaf19866aeb6d6c2adc4d5c2462700a89e6feec77a0?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/163f6c65c8acab43fa062eaf19866aeb6d6c2adc4d5c2462700a89e6feec77a0?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"youcool.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.youcool.cz\/wp-content\/uploads\/img_a352960_w3004_t1567268030.jpg","url":"https:\/\/www.youcool.cz\/wp-content\/uploads\/img_a352960_w3004_t1567268030.jpg","height":0,"width":0},"url":"https:\/\/www.youcool.cz\/neni-pujcka-jako-pujcka-aneb-jak-neverit-mytum\/","about":["Finance"],"wordCount":500,"articleBody":"Ka\u017ed\u00fd s\u00a0n\u00e1s se m\u016f\u017ee jednoho dne dostat do situace, kdy bude muset s\u00e1hnout po p\u016fj\u010dce.\u00a0 Tuto situaci v\u011bt\u0161inou konzultujeme se sv\u00fdmi bl\u00edzk\u00fdmi, kte\u0159\u00ed n\u00e1s v\u0161ak mohou uv\u00e9st v\u00a0omyl, proto\u017ee v\u011b\u0159\u00ed zrovna jednomu z\u00a0m\u00fdt\u016f, kter\u00e9 kolem p\u016fj\u010dek koluj\u00ed.\u00a0 N\u00e1sleduj\u00edc\u00ed p\u0159ehled by v\u00e1m m\u011bl pomoci, jak se nenechat vyv\u00e9st z\u00a0rovnov\u00e1hy a m\u00edt v\u0161e pod kontrolou.\u00a0M\u00fdtus prvn\u00ed: Vyberu si p\u016fj\u010dku podle v\u00fd\u0161e \u00farokuZde nehraje hlavn\u00ed roli v\u00fd\u0161e \u00faroku, ale hodnota RPSN (ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f). RPSN ud\u00e1v\u00e1 v\u0161echny poplatky za \u00fav\u011br (spr\u00e1va \u00fav\u011bru, uzav\u0159en\u00ed smlouvy za poplatky, atd.). RPSN je v\u00a0procentech, co\u017e dovoluje srovn\u00e1n\u00ed s\u00a0dal\u0161\u00edmi \u00fav\u011brov\u00fdmi produkty.\u00a0M\u00fdtus druh\u00fd: Vysok\u00fd \u00farok na ji\u017e uzav\u0159en\u00e9 smlouv\u011b je nem\u011bniteln\u00fdJeden z\u00a0dal\u0161\u00edch omyl\u016f. V\u0161e je mo\u017eno vy\u0159e\u0161it refinancov\u00e1n\u00edm \u00fav\u011bru. T\u00edmto krokem p\u0159evedete v\u00e1\u0161 \u00fav\u011br k\u00a0jin\u00e9mu finan\u010dn\u00edmu subjektu, kter\u00fd m\u00e1 v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky.\u00a0M\u00fdtus t\u0159et\u00ed: poradny pro dlu\u017en\u00edky jsou drah\u00e9 Radu co s\u00a0va\u0161\u00ed probl\u00e9movou p\u016fj\u010dkou dostanete ve speci\u00e1ln\u00edch centrech zam\u011b\u0159en\u00fdch na tuto skupinu zcela zdarma. Nap\u0159\u00edklad to poskytuje organizace \u010clov\u011bk v\u00a0t\u00edsni. Jestli se n\u011bkde setk\u00e1te s\u00a0poplatky za tuto slu\u017ebu, tak se rad\u011bji oto\u010dte a b\u011b\u017ete hledat pomoc jinam.\u00a0M\u00fdtus \u010dtvrt\u00fd: p\u0159i probl\u00e9mech se spl\u00e1cen\u00edm na dan\u00fd term\u00edn v\u00e1m finan\u010dn\u00ed instituce nepomohouNejlep\u0161\u00edm \u0159e\u0161en\u00edm je, okam\u017eit\u00e9 sd\u011blen\u00ed t\u00e9to situace poskytovali \u00fav\u011bru. Nejen\u017ee u\u0161et\u0159\u00edte na poplatc\u00edch za rozes\u00edl\u00e1n\u00ed upom\u00ednek, dokonce budete m\u00edt \u0161anci dostat spl\u00e1tkov\u00fd kalend\u00e1\u0159 nebo \u00fapravu term\u00ednu splacen\u00ed dluhu.\u00a0\u00a0M\u00fdtus p\u00e1t\u00fd: osobn\u00ed bankrot znamen\u00e1 ztr\u00e1tu dosavadn\u00edho \u017eivotn\u00edho standartuOsobn\u00ed bankrot se vyhla\u0161uje v\u00a0p\u0159\u00edpad\u011b, kdy\u017e u\u017e ostatn\u00ed snahy o splacen\u00ed selhaly. Z\u00e1znam o osobn\u00edm bankrotu nen\u00ed mo\u017eno smazat a je do\u017eivotn\u00ed. To ale neznamen\u00e1, \u017ee po ur\u010dit\u00e9m \u010dase, kdy se s\u00a0toho dostanete, nem\u016f\u017eete za\u010d\u00edt slu\u0161n\u00fd \u017eivot.\u00a0M\u00fdtus \u0161est\u00fd: zadlu\u017eov\u00e1n\u00ed je nerozumn\u00e9Zale\u017e\u00ed na \u00fahlu pohledu. Pokud si nap\u0159\u00edklad po\u0159\u00edd\u00edte v\u011bc, na kterou byste nem\u011bli, ale ta v\u00e1m p\u0159inese dal\u0161\u00ed zisky, tak jste provedli velmi dobr\u00e9 rozhodnut\u00ed. Tot\u00e9\u017e plat\u00ed pro hypot\u00e9ky, kdy si budujete sv\u00e9 bydlen\u00ed, a po splacen\u00ed m\u00e1te majetek s\u00a0vysokou hodnotou, kter\u00fd jen tak neztrat\u00ed na hodnot\u011b. P\u0159\u00edkladem \u0161patn\u00e9ho zadlu\u017eov\u00e1n\u00ed je nap\u0159\u00edklad utr\u00e1cen\u00ed za drah\u00e9 dovolen\u00e9 a v\u011bci, kter\u00e9 nep\u0159inesou ekonomick\u00fd zisk a jejich hodnota se se stoupaj\u00edc\u00edm \u010dasem zmen\u0161uje (koup\u011b drah\u00e9ho auta).                                                                                                                                                                                                                                                                                                                                                                                                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