[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.checkit.cz\/penize-na-cokoliv\/#Article","mainEntityOfPage":"https:\/\/www.checkit.cz\/penize-na-cokoliv\/","headline":"Pen\u00edze na cokoliv","name":"Pen\u00edze na cokoliv","description":"Podle spot\u0159ebitelsk\u00fdch pr\u016fzkum\u016f m\u00e1 v \u010cesk\u00e9 republice velk\u00e1 \u010d\u00e1st spot\u0159ebitel\u016f zku\u0161enosti s nakupov\u00e1n\u00edm na spl\u00e1tky. Nen\u00ed se \u010demu divit, proto\u017ee spousta lid\u00ed m\u00e1 ni\u017e\u0161\u00ed p\u0159\u00edjmy, ne\u017e by pot\u0159ebovali. Z\u00e1rove\u0148 pro n\u011b m\u016f\u017ee b\u00fdt nere\u00e1ln\u00e9 naj\u00edt si je\u0161t\u011b brig\u00e1du a nebo druhou pr\u00e1ci, aby svoje p\u0159\u00edjmy zv\u00fd\u0161ili. Bohu\u017eel n\u011bkte\u0159\u00ed lid\u00e9 nejsou finan\u010dn\u011b natolik gramotn\u00ed, aby si dok\u00e1zali spo\u010d\u00edtat, jak\u00fd objem spl\u00e1tek […]","datePublished":"2025-04-08","dateModified":"2025-04-08","author":{"@type":"Person","@id":"https:\/\/www.checkit.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.checkit.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b74f056f0354b8ee50fcd0e6106aa964423477cb93024726458fce7ffd63d5d8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b74f056f0354b8ee50fcd0e6106aa964423477cb93024726458fce7ffd63d5d8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"checkit.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.checkit.cz\/wp-content\/uploads\/agreement-5846648_640_7.jpg","url":"https:\/\/www.checkit.cz\/wp-content\/uploads\/agreement-5846648_640_7.jpg","height":0,"width":0},"url":"https:\/\/www.checkit.cz\/penize-na-cokoliv\/","about":["Ekonomika"],"wordCount":410,"articleBody":"        Podle spot\u0159ebitelsk\u00fdch pr\u016fzkum\u016f m\u00e1 v \u010cesk\u00e9 republice velk\u00e1 \u010d\u00e1st spot\u0159ebitel\u016f zku\u0161enosti s nakupov\u00e1n\u00edm na spl\u00e1tky. Nen\u00ed se \u010demu divit, proto\u017ee spousta lid\u00ed m\u00e1 ni\u017e\u0161\u00ed p\u0159\u00edjmy, ne\u017e by pot\u0159ebovali. Z\u00e1rove\u0148 pro n\u011b m\u016f\u017ee b\u00fdt nere\u00e1ln\u00e9 naj\u00edt si je\u0161t\u011b brig\u00e1du a nebo druhou pr\u00e1ci, aby svoje p\u0159\u00edjmy zv\u00fd\u0161ili. Bohu\u017eel n\u011bkte\u0159\u00ed lid\u00e9 nejsou finan\u010dn\u011b natolik gramotn\u00ed, aby si dok\u00e1zali spo\u010d\u00edtat, jak\u00fd objem spl\u00e1tek dok\u00e1\u017eou m\u011bs\u00ed\u010dn\u011b spl\u00e1cet. Zbyte\u010dn\u011b se tak dost\u00e1vaj\u00ed do exekuc\u00ed a mus\u00ed si \u017e\u00e1dat o insolvenci.Kdy\u017e si n\u011bkdo vezme v\u00edce \u00fav\u011br\u016f, m\u016f\u017ee nastat situace, kdy sice bude n\u011bjakou dobu zvl\u00e1dat spl\u00e1tky hradit, ale m\u016f\u017ee nastat nap\u0159\u00edklad propu\u0161t\u011bn\u00ed z pr\u00e1ce. Velk\u00e1 \u010d\u00e1st lid\u00ed, kte\u0159\u00ed maj\u00ed \u00fav\u011bry, si je nepoji\u0161\u0165uje. To znamen\u00e1, \u017ee v p\u0159\u00edpad\u011b v\u00fdpadk\u016f p\u0159\u00edjm\u016f nebo t\u0159eba \u00farazu za n\u011b nem\u00e1 spl\u00e1tky kdo hradit. Pokud si pl\u00e1nujete vz\u00edt jak\u00fdkoliv \u00fav\u011br nebo t\u0159eba hypot\u00e9ku, rozhodn\u011b poji\u0161t\u011bn\u00ed nepodce\u0148ujte.Prost\u0159ednictv\u00edm spl\u00e1tek si lid\u00e9 navykli nakupovat p\u0159edev\u0161\u00edm b\u011b\u017en\u00e9 zbo\u017e\u00ed, jako jsou t\u0159eba spot\u0159ebi\u010de. Mnoh\u00e9 pr\u016fzkumy ukazuj\u00ed, \u017ee naprost\u00e1 v\u011bt\u0161ina dom\u00e1cnost\u00ed nem\u00e1 dostate\u010dnou finan\u010dn\u00ed rezervu na to, aby si z n\u00ed mohli koupit nap\u0159\u00edklad nov\u00fd spot\u0159ebi\u010d. Je to alarmuj\u00edc\u00ed informace, kter\u00e1 n\u00e1m toho hodn\u011b \u0159\u00edk\u00e1 o finan\u010dn\u00edm zdrav\u00ed obyvatel \u010ceska. Je pot\u0159eba si ka\u017ed\u00fd m\u011bs\u00edc odkl\u00e1dat bokem alespo\u0148 p\u00e1r korun, proto\u017ee za rok u\u017e z toho m\u016f\u017ee b\u00fdt celkem p\u011bkn\u00e1 suma, kterou je dobr\u00e9 m\u00edt k dispozici pro v\u0161echny p\u0159\u00edpady.Kdo m\u00e1 dostate\u010dn\u011b vysok\u00e9 p\u0159\u00edjmy, ale z\u00e1rove\u0148 ne natolik, aby si z nich mohl koupit, po \u010dem u\u017e dlouho tou\u017e\u00ed, m\u016f\u017ee vyu\u017e\u00edt speci\u00e1ln\u00ed typ \u00fav\u011bru. Nebankovn\u00ed americk\u00e1 hypot\u00e9ka je zaj\u00edmav\u00fd finan\u010dn\u00ed produkt, kter\u00fd je vhodn\u00fd p\u0159edev\u0161\u00edm pro spot\u0159ebitele s vy\u0161\u0161\u00edmi p\u0159\u00edjmy. Tato hypot\u00e9ka je sice skv\u011bl\u00e1 v tom, \u017ee pen\u00edze z n\u00ed m\u016f\u017ee \u010dlov\u011bk pou\u017e\u00edt na cokoliv a nikdo ho nebude kontrolovat, ale plat\u00ed se za to vy\u0161\u0161\u00ed \u00faroky ne\u017e u kter\u00e9hokoliv jin\u00e9ho \u00fav\u011bru.                                                                                                                                                                                                                                                                                                                                                                                          4.7\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pen\u00edze na cokoliv","item":"https:\/\/www.checkit.cz\/penize-na-cokoliv\/#breadcrumbitem"}]}]