{"id":2142,"date":"2024-02-28T09:28:57","date_gmt":"2024-02-28T08:28:57","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2142"},"modified":"2024-02-28T09:28:59","modified_gmt":"2024-02-28T08:28:59","slug":"nejlevnejsi-pujcka-co-sledovat-aby-vas-nevysla-draho","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/nejlevnejsi-pujcka-co-sledovat-aby-vas-nevysla-draho\/","title":{"rendered":"Nejlevn\u011bj\u0161\u00ed p\u016fj\u010dka: Co sledovat, aby v\u00e1s nevy\u0161la draho"},"content":{"rendered":"\n

Nejlevn\u011bj\u0161\u00ed p\u016fj\u010dka nemus\u00ed znamenat v\u017edy tu nejv\u00fdhodn\u011bj\u0161\u00ed na trhu. A co v\u016fbec ur\u010duje, \u017ee je nab\u00edzen\u00e1 p\u016fj\u010dka nejlevn\u011bj\u0161\u00ed? P\u0159ipomeneme v\u00e1m, co p\u0159i v\u00fdb\u011bru p\u016fj\u010dky sledovat, abyste se v budoucnu nesp\u00e1lili. Nejni\u017e\u0161\u00ed \u00farok toti\u017e o v\u00fdhodnosti p\u016fj\u010dky nemus\u00ed \u0159\u00edkat v\u016fbec nic. <\/p>\n\n\n\n

Kdy\u017e vyb\u00edr\u00e1te p\u016fj\u010dku, m\u016f\u017eete snadno sklouznout k tomu, \u017ee budete hodnotit nab\u00eddky podle slov \u201cnejlevn\u011bj\u0161\u00ed\u201d nebo \u201cnejv\u00fdhodn\u011bj\u0161\u00ed\u201d, p\u0159\u00edpadn\u011b podle nejni\u017e\u0161\u00edho \u00faroku<\/strong>. T\u00edm se poskytovatel\u00e9 \u00fav\u011br\u016f r\u00e1di chlub\u00ed, o v\u00fdhodnosti ale tento \u00fadaj nemus\u00ed<\/strong> v\u016fbec vypov\u00eddat<\/strong>. To ale neznamen\u00e1, \u017ee skute\u010dn\u011b levn\u00e1 a v\u00fdhodn\u00e1 p\u016fj\u010dka neexistuje \u2013 mus\u00edte jen v\u011bd\u011bt, jak ji naj\u00edt. <\/p>\n\n\n\n

Jak se pozn\u00e1 ta nejlevn\u011bj\u0161\u00ed p\u016fj\u010dka? <\/h2>\n\n\n\n

Cena, kterou za poskytnut\u00ed p\u016fj\u010dky celkov\u011b zaplat\u00edte, se skl\u00e1d\u00e1 z \u0159ady plateb, kter\u00e9 byste m\u011bli vid\u011bt ihned v prvotn\u00ed nab\u00eddce<\/strong> od banky nebo nebankovn\u00ed spole\u010dnosti. Kter\u00e9 faktory v\u00e1m napov\u00ed, jestli je v\u00e1mi vybran\u00e1 p\u016fj\u010dka v\u00fdhodn\u00e1? <\/p>\n\n\n\n

1. \u00darokov\u00e1 sazba<\/h3>\n\n\n\n

Tahle informace v\u00e1s asi nep\u0159ekvap\u00ed. Vy\u0161\u0161\u00ed ro\u010dn\u00ed \u00farokov\u00e1 sazba sama o sob\u011b znamen\u00e1 vy\u0161\u0161\u00ed n\u00e1klady na p\u016fj\u010dku, vyplat\u00ed se tedy hledat tu nejni\u017e\u0161\u00ed aktu\u00e1ln\u011b nab\u00edzenou<\/strong> sazbu na trhu. V n\u011bkter\u00fdch p\u0159\u00edpadech v\u00e1s ale m\u016f\u017ee poskytovatel \u201cobelst\u00edt\u201d uveden\u00edm bonusov\u00e9 \u00farokov\u00e9 sazby<\/strong>, kter\u00e1 pro v\u00e1s bude platit jen za ur\u010dit\u00fdch podm\u00ednek<\/strong>. Standardn\u00ed \u00farokov\u00e1 sazba pak m\u016f\u017ee b\u00fdt i o n\u011bkolik procentn\u00edch bod\u016f vy\u0161\u0161\u00ed. P\u0159i v\u00fdb\u011bru p\u016fj\u010dky se nesoust\u0159e\u010fte na ak\u010dn\u00ed \u00farokovou m\u00edru, ale rad\u011bji tu b\u011b\u017enou. <\/p>\n\n\n\n

2. RPSN<\/h3>\n\n\n\n

Ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f, b\u011b\u017en\u011b uv\u00e1d\u011bn\u00e1 jako RPSN, v\u00e1m prozrad\u00ed mnoh\u00e9 o celkov\u00fdch ro\u010dn\u00edch n\u00e1kladech na p\u016fj\u010dku<\/strong>. Pr\u00e1v\u011b RPSN je v\u017edy d\u016fle\u017eit\u011bj\u0161\u00edm \u00fadajem ne\u017e \u00farokov\u00e1 m\u00edra. Zahrnuje nejen \u00farokovou m\u00edru, ale i poplatky <\/strong>spojen\u00e9 s poskytnut\u00edm \u00fav\u011bru, tedy nap\u0159\u00edklad poplatky za veden\u00ed \u00fa\u010dtu, jednotliv\u00e9 transakce nebo za spr\u00e1vu \u00fav\u011bru. Vod\u00edtkem p\u0159i v\u00fdb\u011bru dobr\u00e9 nab\u00eddky m\u016f\u017ee b\u00fdt sledov\u00e1n\u00ed co nejmen\u0161\u00edho rozd\u00edlu mezi \u00farokovou sazbou a RPSN<\/strong>. \u010c\u00edm men\u0161\u00ed je mezi t\u011bmito ukazateli rozd\u00edl, t\u00edm m\u00e9n\u011b zaplat\u00edte na poplatc\u00edch, kter\u00e9 mus\u00edte nad r\u00e1mec \u00farok\u016f a jistiny bance nebo nebankovce uhradit. <\/p>\n\n\n\n

3. V\u00fd\u0161e spl\u00e1tky a doba spl\u00e1cen\u00ed<\/h3>\n\n\n\n

Narazili jste na nab\u00eddku \u00fav\u011bru s n\u00edzkou \u00farokovou sazbou a margin\u00e1ln\u011b vy\u0161\u0161\u00edm RPSN? Je\u0161t\u011b se na chvilku zastavte a pod\u00edvejte se na nab\u00edzenou v\u00fd\u0161i spl\u00e1tky a d\u00e9lku spl\u00e1cen\u00ed. M\u016f\u017ee v\u00e1m vyhovovat, ale nemus\u00ed, zvl\u00e1\u0161t\u011b pokud se v\u00fdrazn\u011b zakousne do va\u0161eho m\u011bs\u00ed\u010dn\u00edho rozpo\u010dtu. Pokud budou spl\u00e1tky vy\u0161\u0161\u00ed <\/strong>a doba spl\u00e1cen\u00ed kr\u00e1tk\u00e1<\/strong>, nemus\u00ed se jednat o bezpe\u010dnou p\u016fj\u010dku. Sice budete m\u00edt p\u016fj\u010dku splacenou za krat\u0161\u00ed dobu, nev\u00fdhodou ov\u0161em je, \u017ee snadno m\u016f\u017eete p\u0159ecenit sv\u00e9 schopnosti a dostat se do prodlen\u00ed. Nebo \u00fav\u011br budete muset refinancovat. Ani p\u0159\u00edli\u0161 dlouh\u00e1 doba<\/strong> spl\u00e1cen\u00ed nen\u00ed dobrou variantou, na \u00faroc\u00edch a poplatc\u00edch toti\u017e zaplat\u00edte v\u00edce<\/strong>, ne\u017e byste museli. <\/p>\n\n\n\n

Nejlevn\u011bj\u0161\u00ed p\u016fj\u010dka vs. nejv\u00fdhodn\u011bj\u0161\u00ed p\u016fj\u010dka<\/h2>\n\n\n\n

V\u00fdb\u011br p\u016fj\u010dky nen\u00ed jen o nalezen\u00ed t\u00e9 nejlep\u0161\u00ed ceny. Stejn\u011b tak d\u016fle\u017eit\u00e9 je sezn\u00e1mit se s podm\u00ednkami, kter\u00e9 by v\u00e1s v pr\u016fb\u011bhu spl\u00e1cen\u00ed \u00fav\u011bru mohly p\u0159ekvapit. A zde jde p\u0159edev\u0161\u00edm o ot\u00e1zku, co se stane, kdy\u017e se v\u00e1m jednou nebo v\u00edcekr\u00e1t<\/strong> nepoda\u0159\u00ed poslat spl\u00e1tku v\u010das<\/strong>. N\u011bkter\u00e9 spole\u010dnosti nab\u00edz\u00ed jako bonus odklad spl\u00e1tky<\/strong>, p\u0159\u00edpadn\u011b toleruj\u00ed, kdy\u017e se o n\u011bkolik dn\u00ed s m\u011bs\u00ed\u010dn\u00ed platbou opozd\u00edte<\/strong>. Jin\u00e9 ale s prodlen\u00edm doslova po\u010d\u00edtaj\u00ed, a pr\u00e1v\u011b z vysok\u00fdch \u00farok\u016f z prodlen\u00ed \u010derpaj\u00ed sv\u00e9 zisky. <\/p>\n\n\n\n

Krom\u011b v\u00fd\u0161e \u00farok\u016f z prodlen\u00ed se v podm\u00ednk\u00e1ch pod\u00edvejte tak\u00e9 na postup, kter\u00fdm by se dlu\u017en\u00e1 \u010d\u00e1stka p\u0159i nespln\u011bn\u00ed va\u0161ich povinnost\u00ed vym\u00e1hala<\/strong>. <\/strong>U men\u0161\u00edch nebankovn\u00edch spole\u010dnost\u00ed b\u00fdv\u00e1 zvykem, \u017ee vym\u00e1h\u00e1n\u00ed p\u0159edaj\u00ed inkasn\u00edm spole\u010dnostem<\/strong>. Dejte p\u0159ednost \u00fav\u011brov\u00fdm spole\u010dnostem, kter\u00e9 v\u00e1s nep\u0159edhod\u00ed vymaha\u010d\u016fm po prvn\u00ed dlu\u017en\u00e9 spl\u00e1tce. Nejen\u017ee inkasn\u00ed spole\u010dnosti zpravidla postupuj\u00ed p\u0159i vym\u00e1h\u00e1n\u00ed dluhu pom\u011brn\u011b nevyb\u00edrav\u011b, ale tak\u00e9 si je\u0161t\u011b za svou \u010dinnost n\u011bco na\u00fa\u010dtuj\u00ed. \u010c\u00edm d\u00e9le z\u016fstane dluh jen mezi v\u00e1mi a poskytovatelem, t\u00edm l\u00e9pe.  <\/p>\n\n\n\n

Mezi poskytovateli \u00fav\u011br\u016f se li\u0161\u00ed podm\u00ednky tak\u00e9 u p\u0159ed\u010dasn\u00e9ho spl\u00e1cen\u00ed. U bank m\u016f\u017eete narazit na mo\u017enost p\u0159ed\u010dasn\u011b splatit \u00fav\u011br<\/strong> bez poplatk\u016f nebo umo\u0159it vy\u0161\u0161\u00ed \u010d\u00e1st zb\u00fdvaj\u00edc\u00ed \u010d\u00e1stky pomoc\u00ed mimo\u0159\u00e1dn\u00e9 spl\u00e1tky. <\/strong>U f\u00e9rov\u00fdch bank a nebankovn\u00edch spole\u010dnost\u00ed b\u00fdv\u00e1 tato mo\u017enost zdarma<\/strong> \u010di za minim\u00e1ln\u00ed poplatek<\/strong>, jinde ov\u0161em m\u016f\u017eete narazit na zpoplatn\u011bn\u00ed t\u011bchto \u00fakon\u016f v \u010d\u00e1stk\u00e1ch a\u017e n\u011bkolika tis\u00edc\u016f korun. Mezi nab\u00eddkami bank tak\u00e9 m\u016f\u017eete naj\u00edt odpu\u0161t\u011bn\u00ed n\u011bkolika posledn\u00edch spl\u00e1tek<\/strong>, pokud jste spl\u00e1celi \u00fav\u011br \u0159\u00e1dn\u011b a v\u010das. <\/p>\n\n\n\n

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Hled\u00e1te nejv\u00fdhodn\u011bj\u0161\u00ed a f\u00e9rovou p\u016fj\u010dku? Srovnejte si nab\u00eddky \u00fav\u011br\u016f od prov\u011b\u0159en\u00fdch bank a nebankovn\u00edch spole\u010dnost\u00ed na RIXO.cz. Nez\u00e1vazn\u011b, bez zkoum\u00e1n\u00ed registru a nevy\u017e\u00e1dan\u00fdch vol\u00e1n\u00ed. <\/em><\/p>\n<\/div>\n\n\n\n

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Srovnat p\u016fj\u010dku<\/a><\/div>\n<\/div>\n\n\n\n
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Nejlevn\u011bj\u0161\u00ed p\u016fj\u010dka: Bankovn\u00ed, nebo nebankovn\u00ed?<\/h2>\n\n\n\n

\u017d\u00e1dost o p\u016fj\u010dku v bance by m\u011bla b\u00fdt v\u017edy va\u0161\u00ed prvn\u00ed zast\u00e1vkou na cest\u011b za \u00fav\u011brem. Bankovn\u00ed \u00fav\u011bry<\/strong> jsou zpravidla bezpe\u010dn\u011bj\u0161\u00ed a v\u00fdhodn\u011bj\u0161\u00ed<\/strong> variantou ne\u017e nebankovn\u00ed p\u016fj\u010dky, ale banka v\u00e1m nemus\u00ed v\u017edy s \u017e\u00e1dost\u00ed vyhov\u011bt. Krit\u00e9ria pro schv\u00e1len\u00ed p\u016fj\u010dky v bank\u00e1ch b\u00fdvaj\u00ed p\u0159\u00edsn\u011bj\u0161\u00ed <\/strong>a va\u0161e finan\u010dn\u00ed situace bude p\u0159i schvalov\u00e1n\u00ed p\u016fj\u010dky pod drobnohledem \u00fav\u011brov\u00fdch specialist\u016f. Pokud va\u0161e sk\u00f3re p\u0159i posuzov\u00e1n\u00ed nebude ide\u00e1ln\u00ed, nemus\u00edte dostat p\u016fj\u010dku v\u016fbec, p\u0159\u00edpadn\u011b v ni\u017e\u0161\u00ed v\u00fd\u0161i, ne\u017e jste p\u016fvodn\u011b po\u017eadovali, nebo tak\u00e9 s vy\u0161\u0161\u00edm \u00farokem, kter\u00fd bance vyv\u00e1\u017e\u00ed zv\u00fd\u0161en\u00e9 riziko. <\/p>\n\n\n\n

Nebankovn\u00ed spole\u010dnosti <\/strong>\u017eadatele obvykle tak p\u0159\u00edsn\u011b nehodnot\u00ed<\/strong>, \u00favodn\u00edm \u201cs\u00edtem\u201d tedy projde mnohem v\u00edce klient\u016f. Mezi jednotliv\u00fdmi nebankovn\u00edmi spole\u010dnostmi v\u0161ak existuj\u00ed propastn\u00e9 rozd\u00edly<\/strong>. U jedn\u00e9 m\u016f\u017ee z\u00edskat p\u016fj\u010dku s vysok\u00fdm RPSN tak\u0159ka kdokoliv z ulice, u jin\u00e9 nebankovky se zase schvalov\u00e1n\u00ed \u00fav\u011bru i podm\u00ednky budou bl\u00ed\u017eit procesu v bank\u00e1ch.<\/p>\n\n\n\n

Srovnejte si nab\u00eddky p\u016fj\u010dek a najd\u011bte tu nejlevn\u011bj\u0161\u00ed a nejv\u00fdhodn\u011bj\u0161\u00ed na RIXO.cz<\/strong>. Tady v\u00e1s \u017e\u00e1dn\u00ed nepoctivci nep\u0159ekvap\u00ed. Uk\u00e1\u017eeme v\u00e1m jen nab\u00eddky f\u00e9rov\u00fdch<\/strong> bank a nebankovn\u00edch spole\u010dnost\u00ed na z\u00e1klad\u011b hodnocen\u00ed Indexu odpov\u011bdn\u00e9ho \u00fav\u011brov\u00e1n\u00ed<\/strong> \u010clov\u011bka v t\u00edsni. Hned ve srovn\u00e1n\u00ed nav\u00edc objektivn\u011b ohodnot\u00edme d\u016fle\u017eit\u00e1 krit\u00e9ria jednotliv\u00fdch nab\u00eddek, abyste p\u0159i v\u00fdb\u011bru p\u016fj\u010dky ne\u0161l\u00e1pli vedle.<\/p>\n\n\n\n

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Srovnat p\u016fj\u010dku<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Nejlevn\u011bj\u0161\u00ed p\u016fj\u010dka nemus\u00ed znamenat v\u017edy tu nejv\u00fdhodn\u011bj\u0161\u00ed na trhu. A co v\u016fbec ur\u010duje, \u017ee je nab\u00edzen\u00e1 p\u016fj\u010dka nejlevn\u011bj\u0161\u00ed? P\u0159ipomeneme v\u00e1m, co p\u0159i v\u00fdb\u011bru p\u016fj\u010dky sledovat, abyste se v budoucnu nesp\u00e1lili. Nejni\u017e\u0161\u00ed \u00farok toti\u017e o v\u00fdhodnosti p\u016fj\u010dky nemus\u00ed \u0159\u00edkat v\u016fbec nic.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":2145,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[14],"tags":[55],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2142"}],"collection":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=2142"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2142\/revisions"}],"predecessor-version":[{"id":2164,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2142\/revisions\/2164"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/2145"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2142"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2142"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2142"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}