[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.alfa9.cz\/proc-u-pujcek-musime-platit-urok\/#Article","mainEntityOfPage":"https:\/\/www.alfa9.cz\/proc-u-pujcek-musime-platit-urok\/","headline":"Pro\u010d u p\u016fj\u010dek mus\u00edme platit \u00farok","name":"Pro\u010d u p\u016fj\u010dek mus\u00edme platit \u00farok","description":"Je celkem smutn\u00fdm faktem, \u017ee naprost\u00e1 v\u011bt\u0161ina dosp\u011bl\u00fdch obyvatel na\u0161\u00ed republiky m\u00e1 jednu nebo v\u00edce p\u016fj\u010dek, kter\u00e9 aktu\u00e1ln\u011b spl\u00e1c\u00ed. \u017de to rozhodn\u011b nepovede ke zlep\u0161en\u00ed finan\u010dn\u00ed situace, nen\u00ed t\u0159eba \u0159\u00edkat. […]","datePublished":"2020-12-14","dateModified":"2023-05-19","author":{"@type":"Person","@id":"https:\/\/www.alfa9.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.alfa9.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e1629206dbcdd39ad2b75cad97ca59670e29a5a134f2605d5414f1deeec462dc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e1629206dbcdd39ad2b75cad97ca59670e29a5a134f2605d5414f1deeec462dc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"alfa9.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.alfa9.cz\/wp-content\/uploads\/penize3_10_5.jpg","url":"https:\/\/www.alfa9.cz\/wp-content\/uploads\/penize3_10_5.jpg","height":0,"width":0},"url":"https:\/\/www.alfa9.cz\/proc-u-pujcek-musime-platit-urok\/","about":["Ekonomika"],"wordCount":433,"articleBody":"     Je celkem smutn\u00fdm faktem, \u017ee naprost\u00e1 v\u011bt\u0161ina dosp\u011bl\u00fdch obyvatel na\u0161\u00ed republiky m\u00e1 jednu nebo v\u00edce p\u016fj\u010dek, kter\u00e9 aktu\u00e1ln\u011b spl\u00e1c\u00ed. \u017de to rozhodn\u011b nepovede ke zlep\u0161en\u00ed finan\u010dn\u00ed situace, nen\u00ed t\u0159eba \u0159\u00edkat. Av\u0161ak reklamy n\u00e1s ka\u017ed\u00fd den p\u0159esv\u011bd\u010duj\u00ed, jak je zbyte\u010dn\u00e9 \u010dekat, a\u017e si na\u0161et\u0159\u00edme, kdy\u017e danou v\u011bc m\u016f\u017eeme m\u00edt hned. A spousta lid\u00ed tomu podlehne.V podstat\u011b existuj\u00ed dva typy lid\u00ed, kte\u0159\u00ed si berou p\u016fj\u010dku. Jedni jsou ti, kte\u0159\u00ed si cht\u011bj\u00ed okam\u017eit\u011b koupit n\u011bco, na co moment\u00e1ln\u011b nemaj\u00ed pen\u00edze. Ti druz\u00ed cht\u011bj\u00ed t\u00edmto zp\u016fsobem vy\u0159e\u0161it alespo\u0148 kr\u00e1tkodob\u011b sv\u016fj nedostatek financ\u00ed.A\u0165 u\u017e je v\u0161ak d\u016fvod jak\u00fdkoliv, a a\u0165 u\u017e si bereme jak\u00fdkoliv typ p\u016fj\u010dky, jednu v\u011bc maj\u00ed v\u0161echny spole\u010dn\u00e9: v\u017edy mus\u00edme platit m\u011bs\u00ed\u010dn\u011b nejen p\u016fj\u010denou \u010d\u00e1stku, ale tak\u00e9 \u00farok, kter\u00fd si poskytovatel ur\u010duje. Ten se po\u010d\u00edt\u00e1 v procentech z p\u016fj\u010den\u00e9 \u010d\u00e1stky, a m\u016f\u017ee m\u00edt r\u016fznou velikost. Obvykle je okolo p\u011bti a\u017e deseti procent. Je to \u010d\u00e1stka, kterou mus\u00edme zaplatit nav\u00edc.P\u0159em\u00fd\u0161leli jste ale n\u011bkdy o tom, pro\u010d jej vlastn\u011b mus\u00edme platit? Jist\u011b, jednoduch\u00e1 odpov\u011b\u010f by byla, \u017ee poskytovatel\u00e9 nebudou p\u016fj\u010dovat pen\u00edze zadarmo. P\u0159eci jen na tom pot\u0159ebuj\u00ed tak\u00e9 vyd\u011blat. Av\u0161ak p\u0159i tom opom\u00edn\u00e1me fakt, \u017ee neplat\u00edme pouze \u00faroky, n\u00fdbr\u017e i dal\u0161\u00ed poplatky.Je to nap\u0159\u00edklad poplatek za veden\u00ed \u00fa\u010dtu, kter\u00fd je sou\u010d\u00e1st\u00ed ka\u017ed\u00e9 p\u016fj\u010dky. D\u00e1le je to ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f, zn\u00e1m\u00e1 pod zkratkou RSPN. A a\u010dkoliv ta by m\u011bla pokr\u00fdvat pouze zv\u00fd\u0161en\u00e9 n\u00e1klady, zp\u016fsoben\u00e9 inflac\u00ed, \u010dasto dosahuje pom\u011brn\u011b vysok\u00fdch \u010d\u00e1stek. Pro\u010d tedy plat\u00edme je\u0161t\u011b \u00farok?Proto\u017ee je to jednoduch\u00e1 marketingov\u00e1 strategie. Sta\u010d\u00ed si v\u0161imnout, jak se v reklam\u00e1ch jednotliv\u00ed poskytovatel\u00e9 p\u0159edh\u00e1n\u011bj\u00ed, kdo m\u00e1 nejni\u017e\u0161\u00ed \u00farok. A lid\u00e9 se tak\u00e9 podle toho rozhoduj\u00ed, kterou z p\u016fj\u010dek si vezmou. Nevid\u00ed v\u0161ak u\u017e dal\u0161\u00ed \u010d\u00e1stky, kter\u00e9 budou placeny nav\u00edc. A ty ji\u017e tak n\u00edzk\u00e9 neb\u00fdvaj\u00ed.Nejlep\u0161\u00ed samoz\u0159ejm\u011b je si \u017e\u00e1dnou p\u016fj\u010dku nebrat. Pokud v\u0161ak u\u017e nutn\u011b n\u011bjakou pot\u0159ebujeme, pak je dobr\u00e9 pod\u00edvat se na ve\u0161ker\u00e9 poplatky. Jen tak nebudete zbyte\u010dn\u011b platit nic nav\u00edc.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d u p\u016fj\u010dek mus\u00edme platit \u00farok","item":"https:\/\/www.alfa9.cz\/proc-u-pujcek-musime-platit-urok\/#breadcrumbitem"}]}]