[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.acei.cz\/uver-aneb-co-je-dobre-vedet\/#Article","mainEntityOfPage":"https:\/\/www.acei.cz\/uver-aneb-co-je-dobre-vedet\/","headline":"\u00dav\u011br aneb co je dobr\u00e9 v\u011bd\u011bt","name":"\u00dav\u011br aneb co je dobr\u00e9 v\u011bd\u011bt","description":"Podstatnou ot\u00e1zkou je, zda opravdu je \u00fav\u011br nezbytnost\u00ed. Jedn\u00e1 se o z\u00e1vazek v r\u00e1mci spl\u00e1cen\u00ed a samoz\u0159ejm\u011b je pro ka\u017ed\u00e9ho jedince nesouc\u00ed zna\u010dnou zodpov\u011bdnost. Prioritn\u00ed je, u\u010dinit rozhodnut\u00ed p\u0159ed samotnou \u017e\u00e1dost\u00ed o \u00fav\u011br, na co chceme a pot\u0159ebujeme si vz\u00edt \u00fav\u011br. Pro\u010d je aktu\u00e1ln\u011b nezbytnou z\u00e1le\u017eitost\u00ed. Jestli je opravdu jedin\u00fdm a spr\u00e1vn\u00fdm \u0159e\u0161en\u00edm. A zejm\u00e9na","datePublished":"2018-01-09","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.acei.cz\/author\/#Person","name":"acei.cz\n","url":"https:\/\/www.acei.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d6cba3ab97c30e0df0e32548954cb6b1550f4672bd3a4687bf1118b122d757e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d6cba3ab97c30e0df0e32548954cb6b1550f4672bd3a4687bf1118b122d757e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"acei.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.acei.cz\/wp-content\/uploads\/img_a309647_w2011_t1520589892.jpg","url":"https:\/\/www.acei.cz\/wp-content\/uploads\/img_a309647_w2011_t1520589892.jpg","height":0,"width":0},"url":"https:\/\/www.acei.cz\/uver-aneb-co-je-dobre-vedet\/","about":["Finance"],"wordCount":608,"articleBody":"Podstatnou ot\u00e1zkou je, zda opravdu je \u00fav\u011br nezbytnost\u00ed. Jedn\u00e1 se o z\u00e1vazek v r\u00e1mci spl\u00e1cen\u00ed a samoz\u0159ejm\u011b je pro ka\u017ed\u00e9ho jedince nesouc\u00ed zna\u010dnou zodpov\u011bdnost. Prioritn\u00ed je, u\u010dinit rozhodnut\u00ed p\u0159ed samotnou \u017e\u00e1dost\u00ed o \u00fav\u011br, na co chceme a pot\u0159ebujeme si vz\u00edt \u00fav\u011br. Pro\u010d je aktu\u00e1ln\u011b nezbytnou z\u00e1le\u017eitost\u00ed. Jestli je opravdu jedin\u00fdm a spr\u00e1vn\u00fdm \u0159e\u0161en\u00edm. A zejm\u00e9na je nutn\u00e9 v\u011bd\u011bt, jak\u00fd \u00fav\u011br konkr\u00e9tn\u011b je efektivn\u00ed.  K dispozici je hned n\u011bkolik druh\u016f \u00fav\u011br\u016f, kdy ka\u017ed\u00fd p\u0159edstavuje odli\u0161n\u00e9 n\u00e1klady i jin\u00e9 vyu\u017eit\u00ed pro klienta. Nejzn\u00e1m\u011bj\u0161\u00ed a jeden z nejv\u00edce vyu\u017e\u00edvan\u00fdch je hypote\u010dn\u00ed \u00fav\u011br, d\u00edky kter\u00e9mu tak lze z\u00edskat vlastn\u00ed bydlen\u00ed neboli vlastn\u00ed st\u0159echu nad hlavou v co mo\u017en\u00e1 nejkrat\u0161\u00edm \u010dasov\u00e9m term\u00ednu. Pro v\u011bt\u0161inu je jedinou mo\u017enost\u00ed k vysn\u011bn\u00e9 cest\u011b vidiny vlastn\u00edho domku \u010di bytu. Stejn\u011b tak je i bankovn\u00ed hypote\u010dn\u00ed \u00fav\u011br mnohdy jedinou re\u00e1lnou mo\u017enost\u00ed pro rekonstrukci domku apod. Druhou variantou je spot\u0159ebitelsk\u00fd \u00fav\u011br, jen\u017e je velmi \u017e\u00e1dan\u00fd a obl\u00edben\u00fd. Tento typ \u00fav\u011bru je vhodn\u00fd pro po\u0159\u00edzen\u00ed vlastn\u00edho automobilu apod. Jestli\u017ee v\u0161ak se jedn\u00e1 o ocitnut\u00ed se v situaci, kdy aktu\u00e1ln\u011b je pot\u0159eba z\u00edsk\u00e1n\u00ed jen men\u0161\u00ed finan\u010dn\u00ed \u010d\u00e1stky, je v tomto p\u0159\u00edpad\u011b lep\u0161\u00ed variantou vyu\u017eit\u00ed kontokorentu \u010di vyu\u017eit\u00ed \u00fav\u011bru z kreditn\u00ed karty. Pozor na \u00farok a RPSN! Rozd\u00edl je podstatn\u00fd Pro mnoh\u00e9 je st\u00e1le z\u00e1sadn\u00ed pouze \u00farokov\u00e1 sazba, dle kter\u00e9 se orientuj\u00ed a vyb\u00edraj\u00ed adekv\u00e1tn\u00ed \u00fav\u011br. Dlouhodob\u011b je tak pro v\u011bt\u0161inu populace za\u017eit\u00e1 pr\u00e1v\u011b jen \u00farokov\u00e1 sazba. \u010c\u00e1st populace \u017eije v domn\u011bn\u00ed, \u017ee \u00farokov\u00e1 sazba a RPSN je jedno a tot\u00e9\u017e. Skute\u010dnost je v\u0161ak jin\u00e1! RPSN neboli ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f za \u00fav\u011br je z\u0159eteln\u00fdm souhrnem ve\u0161ker\u00fdch n\u00e1klad\u016f souvisej\u00edc\u00edch s \u00fav\u011brem a vyj\u00e1d\u0159eno v procentech za kalend\u00e1\u0159n\u00ed rok. Oproti tomu \u00farok zna\u010d\u00ed hodnotu pen\u011bz, tj. jde pouze o ur\u010ditou \u010d\u00e1st n\u00e1klad\u016f \u00fav\u011bru. Logicky z toho vypl\u00fdv\u00e1, \u017ee by m\u011bl \u00farok zahrnovat p\u0159eva\u017euj\u00edc\u00ed \u010d\u00e1st n\u00e1klad\u016f \u00fav\u011bru. Nen\u00ed tomu v\u0161ak v\u017edy. Lze se shledat dokonce i s \u00famysln\u00fdm sn\u00ed\u017een\u00edm \u00farokov\u00e9 sazby, aby zd\u00e1nliv\u011b byla vyzdvihnuta v\u00fdhodnodnost. Nicm\u00e9n\u011b v\u0161ak na druh\u00e9 stran\u011b jsou uplat\u0148ov\u00e1ny mnohem vy\u0161\u0161\u00ed ostatn\u00ed poplatky, kter\u00e9 ani mnohdy klient v r\u00e1mci \u00fav\u011bru nepot\u0159ebuje \u010di nebude vyu\u017e\u00edvat.\u00dav\u011br coby volba pro refinancov\u00e1n\u00ed nebo konsolidaci Vz\u00edt si \u00fav\u011br je dnes zcela b\u011b\u017en\u00e9, ani\u017e bychom si za to cht\u011bli n\u011bco koupit \u010di po\u0159\u00eddit. Lze vyu\u017e\u00edt re\u00e1ln\u00e9 mo\u017enosti v r\u00e1mci vzet\u00ed si \u00fav\u011bru na zaplacen\u00ed star\u0161\u00edho. V tomto p\u0159\u00edpad\u011b se jedn\u00e1 o refinancov\u00e1n\u00ed. A co je podstatn\u00e9?! Refinancov\u00e1n\u00ed je v\u017edy jistotou pro z\u00edsk\u00e1n\u00ed nov\u00e9ho \u00fav\u011bru za lep\u0161\u00edch podm\u00ednek, ne\u017e je tomu v p\u0159\u00edpad\u011b toho st\u00e1vaj\u00edc\u00edho. \u00dav\u011br je t\u0159eba si vz\u00edt zejm\u00e9na na v\u011bci v r\u00e1mci dlouhodob\u00e9ho charakteru neboli \u017eivotnosti. Jestli\u017ee je z jak\u00e9hokoliv d\u016fvodu nere\u00e1ln\u00fd bankovn\u00ed \u00fav\u011br, v\u017edy je k dispozici mo\u017eno vyu\u017e\u00edt re\u00e1lnou a efektivn\u00ed finan\u010dn\u00ed nab\u00eddku                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u00dav\u011br aneb co je dobr\u00e9 v\u011bd\u011bt","item":"https:\/\/www.acei.cz\/uver-aneb-co-je-dobre-vedet\/#breadcrumbitem"}]}]