{"id":2256,"date":"2024-04-09T09:04:32","date_gmt":"2024-04-09T07:04:32","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2256"},"modified":"2024-04-09T09:04:34","modified_gmt":"2024-04-09T07:04:34","slug":"dela-splaceni-nekolika-pujcek-problemy-jak-pomuze-konsolidace-pujcek","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/dela-splaceni-nekolika-pujcek-problemy-jak-pomuze-konsolidace-pujcek\/","title":{"rendered":"D\u011bl\u00e1 spl\u00e1cen\u00ed n\u011bkolika p\u016fj\u010dek probl\u00e9my? Jak pom\u016f\u017ee konsolidace p\u016fj\u010dek"},"content":{"rendered":"\n

Vzali jste si v minulosti \u00fav\u011br a pot\u00e9 v\u00e1m p\u0159ibyly dal\u0161\u00ed a je\u0161t\u011b dal\u0161\u00ed p\u016fj\u010dky? Nemus\u00edte sv\u016fj rodinn\u00fd rozpo\u010det tr\u00e1pit n\u011bkolika spl\u00e1tkami najednou. Co rad\u011bji p\u016fj\u010dky slou\u010dit a z\u00edskat s jedn\u00edm \u00fav\u011brem lep\u0161\u00ed podm\u00ednky? Pr\u00e1v\u011b to v\u00e1m nab\u00edz\u00ed konsolidace p\u016fj\u010dek. <\/p>\n\n\n\n

Smlouva o p\u016fj\u010dce v\u00e1s v\u00e1\u017ee na ur\u010ditou dobu ke spl\u00e1cen\u00ed, a to a\u017e do \u00fapln\u00e9ho splacen\u00ed \u00fav\u011bru bance nebo nebankovn\u00ed spole\u010dnosti. Nen\u00ed to ale jedin\u00e1 mo\u017enost, jak dluh \u201csmazat\u201d. Zvolit m\u016f\u017eete i refinancov\u00e1n\u00ed nebo konsolidaci p\u016fj\u010dek. Porad\u00edme, co se pod t\u011bmito pojmy skr\u00fdv\u00e1. <\/p>\n\n\n\n

Jak se li\u0161\u00ed konsolidace p\u016fj\u010dek od refinancov\u00e1n\u00ed? <\/h2>\n\n\n\n

Pokud m\u00e1te jeden \u00fav\u011br a hled\u00e1te zp\u016fsob, jak ulevit sv\u00e9mu kontu od vysok\u00fdch m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek, zaj\u00edmat v\u00e1s bude jeho refinancov\u00e1n\u00ed<\/strong>. Jde prakticky o jednor\u00e1zov\u00e9 doplacen\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru<\/strong> refinancuj\u00edc\u00ed spole\u010dnost\u00ed (a\u0165 u\u017e bankovn\u00ed \u010di nebankovn\u00ed), kter\u00e9 pot\u00e9 \u00fav\u011br spl\u00e1c\u00edte <\/strong>za nov\u00fdch a ide\u00e1ln\u011b v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek. \u010cast\u00e9 je nap\u0159\u00edklad refinancov\u00e1n\u00ed hypot\u00e9ky<\/a> kv\u016fli lep\u0161\u00ed \u00farokov\u00e9 sazb\u011b, refinancovat ale samoz\u0159ejm\u011b m\u016f\u017eete jak\u00fdkoliv spot\u0159ebitelsk\u00fd \u00fav\u011br. <\/p>\n\n\n\n

M\u00e1te p\u016fj\u010dek v\u00edce <\/strong>a cht\u011bli byste ve\u0161ker\u00e9 z\u00e1vazky slou\u010dit do jednoho \u00fav\u011bru<\/strong> s jednou pravidelnou spl\u00e1tkou? Pr\u00e1v\u011b to \u0159e\u0161\u00ed konsolidace p\u016fj\u010dek<\/strong>. Konsolidovat m\u016f\u017eete dva, t\u0159i, \u010dty\u0159i i v\u00edce \u00fav\u011br\u016f u v\u00edce v\u011b\u0159itel\u016f do jednoho v\u011bt\u0161\u00edho \u00fav\u011bru u jedn\u00e9 spole\u010dnosti, nez\u00e1visle na tom, zda se jedn\u00e1 o bankovn\u00ed \u00fav\u011bry, nebankovn\u00ed mikrop\u016fj\u010dky, \u201crychl\u00e9 p\u016fj\u010dky\u201d, kontokorent, kreditn\u00ed karty \u010di jejich kombinaci. Pr\u00e1v\u011b u kontokorent\u016f a kreditn\u00edch karet<\/strong>, kter\u00e9 m\u00edvaj\u00ed velmi vysok\u00e9 \u00farokov\u00e9 sazby, se konsolidace vypl\u00e1c\u00ed nejv\u00edce.<\/p>\n\n\n\n

\"Konsolidace<\/figure>\n\n\n\n

Pro\u010d a kdy konsolidovat p\u016fj\u010dky? <\/h2>\n\n\n\n

Konsolidace p\u016fj\u010dek m\u00e1 mnoho v\u00fdhod. T\u00edm hlavn\u00edm d\u016fvodem pro konsolidaci jsou pro v\u011bt\u0161inu lid\u00ed ni\u017e\u0161\u00ed \u00farok a v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky<\/strong>, jako t\u0159eba m\u00e9n\u011b poplatk\u016f, mo\u017enost p\u0159ed\u010dasn\u00e9ho splacen\u00ed zdarma a podobn\u011b. To znamen\u00e1, \u017ee ve v\u00fdsledku na slou\u010den\u00ed p\u016fj\u010dek u\u0161et\u0159\u00edte a nebudete zbyte\u010dn\u011b p\u0159epl\u00e1cet. Slou\u010den\u00ed n\u011bkolika p\u016fj\u010dek do jedn\u00e9 ale ocen\u00edte tak\u00e9 v p\u0159\u00edpad\u011b, \u017ee m\u00e1te aktu\u00e1ln\u011b \u0161patn\u00fd p\u0159ehled v platb\u00e1ch a r\u016fzn\u00fdch podm\u00ednk\u00e1ch n\u011bkolika \u00fav\u011brov\u00fdch spole\u010dnost\u00ed. Jedna p\u016fj\u010dka v\u00e1m pom\u016f\u017ee m\u00edt finance pod kontrolou <\/strong>a spl\u00e1tky si pohodln\u011b ohl\u00edd\u00e1te. <\/p>\n\n\n\n

Ur\u010dit\u011b v\u00e1s tak\u00e9 pot\u011b\u0161\u00ed, \u017ee konsolidace v\u00e1m nep\u0159id\u011bl\u00e1 \u017e\u00e1dnou pr\u00e1ci nav\u00edc v podob\u011b nutn\u00e9ho pap\u00edrov\u00e1n\u00ed nebo starost\u00ed, kde co ozn\u00e1mit a podepsat. V r\u00e1mci slou\u010den\u00ed p\u016fj\u010dek to toti\u017e v\u00e1\u0161 nov\u00fd v\u011b\u0159itel vy\u0159e\u0161\u00ed za v\u00e1s<\/strong>. Sta\u010d\u00ed jen dolo\u017eit smlouvy \u00fav\u011br\u016f<\/strong>, kter\u00e9 chcete slou\u010dit, spolu s potvrzen\u00edmi o zb\u00fdvaj\u00edc\u00edch \u010d\u00e1stk\u00e1ch k doplacen\u00ed<\/strong>. <\/p>\n\n\n\n

Konsolidace ale nemus\u00ed b\u00fdt v\u017edy t\u00edm nejvhodn\u011bj\u0161\u00edm \u0159e\u0161en\u00edm. Vyplat\u00ed se pr\u00e1v\u011b te\u010f? A vyplat\u00ed se pr\u00e1v\u011b v\u00e1m? Ne\u017e se do slu\u010dov\u00e1n\u00ed p\u016fj\u010dek pust\u00edte, ov\u011b\u0159te si, \u017ee <\/strong>je v porovn\u00e1n\u00ed s va\u0161imi sou\u010dasn\u00fdmi z\u00e1vazky nab\u00edzen\u00e1 konsolidace skute\u010dn\u011b v\u00fdhodn\u00e1<\/strong>. \u00darokov\u00e1 sazba, RPSN, doba spl\u00e1cen\u00ed nebo podm\u00ednky pro p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru \u2013 to v\u0161e jsou faktory, kter\u00e9 se vyplat\u00ed p\u0159i v\u00fdb\u011bru p\u016fj\u010dky sledovat<\/a>. <\/p>\n\n\n\n

M\u016f\u017eete p\u0159ij\u00edt na to, \u017ee aktu\u00e1ln\u00ed nab\u00eddky v\u00e1m \u00fasporu nep\u0159inesou<\/strong>, nebo t\u0159eba \u017ee se vyplat\u00ed slou\u010dit (nebo refinancovat) jen n\u011bkter\u00e9 z p\u016fj\u010dek<\/strong>, proto\u017ee byste ztratili velmi p\u0159\u00edznivou \u00farokovou sazbu u sv\u00e9 sou\u010dasn\u00e9 banky. Stejn\u011b jako u v\u00fdb\u011bru spr\u00e1vn\u00e9 p\u016fj\u010dky byste i zde m\u011bli v\u017edy postupovat s rozmyslem a sezn\u00e1mit se s v\u00edce nab\u00eddkami, ne\u017e se na dlouh\u00e1 l\u00e9ta n\u011bkomu up\u00ed\u0161ete. <\/p>\n\n\n\n

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Srovnejte si ty nejv\u00fdhodn\u011bj\u0161\u00ed p\u016fj\u010dky na trhu od cel\u00e9 \u0159ady bank na RIXO.cz. Sta\u010d\u00ed v\u00e1m na to minuta. <\/em><\/p>\n\n\n\n

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Srovnat p\u016fj\u010dky na RIXO.cz<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n
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Na co d\u00e1vat pozor p\u0159i konsolidaci p\u016fj\u010dek<\/h2>\n<\/div>\n\n\n\n

Konsolidace p\u016fj\u010dek m\u016f\u017ee m\u00edt krom\u011b \u0159ady v\u00fdhod i sv\u00e9 stinn\u00e9 str\u00e1nky. Na co myslet? <\/p>\n\n\n\n