{"id":1455,"date":"2023-06-05T15:46:19","date_gmt":"2023-06-05T14:46:19","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1455"},"modified":"2023-06-05T15:46:20","modified_gmt":"2023-06-05T14:46:20","slug":"pujcka-na-dovolenou-ano-nebo-ne-a-na-co-si-dat-pozor","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/pujcka-na-dovolenou-ano-nebo-ne-a-na-co-si-dat-pozor\/","title":{"rendered":"P\u016fj\u010dka na dovolenou: Ano, nebo ne? A na co si d\u00e1t pozor?"},"content":{"rendered":"\n<p>Letn\u00ed pr\u00e1zdniny jsou za rohem a s nimi \u010dasto p\u0159ich\u00e1z\u00ed i vysn\u011bn\u00e1 dovolen\u00e1. N\u011bkdo ji pl\u00e1nuje dlouho dop\u0159edu, jin\u00ed se rozhoduj\u00ed na posledn\u00ed chv\u00edli. N\u011bkte\u0159\u00ed let\u00ed k mo\u0159i, dal\u0161\u00ed tr\u00e1v\u00ed \u010das s p\u0159\u00e1teli na horsk\u00e9 chalup\u011b nebo na wellness pobytu. Spole\u010dn\u00fdm jmenovatelem jsou ale v\u017edy pen\u00edze. Bez nich to prost\u011b nejde.<\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co se v \u010dl\u00e1nku do\u010dtete<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-p-j-ka-na-dovolenou-ano-nebo-ne\">P\u016fj\u010dka na dovolenou \u2013 ano, nebo ne?<\/a><\/li><li class=\"\"><a href=\"#htoc-kdy-se-p-j-ka-na-dovolenou-vyplat\">Kdy se p\u016fj\u010dka na dovolenou vyplat\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-kdy-se-p-j-ka-na-dovolenou-nevyplat\">Kdy se p\u016fj\u010dka na dovolenou nevyplat\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-kde-si-p-j-ku-vz-t-a-na-co-si-d-t-pozor\">Kde si p\u016fj\u010dku vz\u00edt a na co si d\u00e1t pozor<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<p>Dnes, kdy\u017e se zdra\u017eilo v\u0161echno kolem n\u00e1s, a\u0165 u\u017e jde o energie, pohonn\u00e9 hmoty, nebo t\u0159eba potraviny, nen\u00ed pen\u011bz \u010dasto nazbyt. N\u011bkdo si na dovolenou na\u0161et\u0159it dok\u00e1\u017ee, ale jsou mnoz\u00ed, kte\u0159\u00ed uva\u017euj\u00ed o p\u016fj\u010dce.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-p-j-ka-na-dovolenou-ano-nebo-ne\"><strong>P\u016fj\u010dka na dovolenou \u2013 ano, nebo ne?<\/strong><\/h2>\n\n\n\n<p>V\u011bt\u0161inou se doporu\u010duje <strong>nep\u016fj\u010dovat si pen\u00edze na v\u011bci, kter\u00e9 maj\u00ed kr\u00e1tkodob\u00fd u\u017eitek<\/strong>. A mezi n\u011b pat\u0159\u00ed pr\u00e1v\u011b <a href=\"https:\/\/www.fingo.cz\/blog\/pojisteni-na-cesty-10-rad-pred-letni-dovolenou\/\">dovolen\u00e1<\/a>. Sice si ji u\u017eijete, ud\u011bl\u00e1te radost d\u011btem a vytvo\u0159\u00edte si hezk\u00e9 vzpom\u00ednky, ale t\u011bch 14 dn\u00ed u mo\u0159e budete spl\u00e1cet n\u011bkolik let. A to m\u016f\u017ee nep\u0159\u00edjemn\u011b zat\u00ed\u017eit v\u00e1\u0161 <a href=\"https:\/\/www.fingo.cz\/blog\/jak-na-rodinny-rozpocet-v-kazde-zivotni-situaci\/\">rodinn\u00fd rozpo\u010det<\/a>.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background\">V\u00edte, \u017ee podle posledn\u00edch statistik si <strong>na dovolenou p\u016fj\u010duje a\u017e 5 % \u010cech\u016f<\/strong>? To nen\u00ed \u00fapln\u011b zanedbateln\u00e9 \u010d\u00edslo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-kdy-se-p-j-ka-na-dovolenou-vyplat\"><strong>Kdy se p\u016fj\u010dka na dovolenou vyplat\u00ed<\/strong><\/h2>\n\n\n\n<p>V t\u011bchto p\u0159\u00edpadech p\u016fj\u010dka d\u00e1v\u00e1 smysl:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pokud v\u00e1m dovolen\u00e1 p\u0159inese <strong>dlouhodob\u00fd u\u017eitek<\/strong> \u2013 nap\u0159\u00edklad se v zahrani\u010d\u00ed z\u00fa\u010dastn\u00edte jazykov\u00e9ho kurzu nebo st\u00e1\u017ee, kde se zdokonal\u00edte v ciz\u00edm jazyce.<\/li>\n\n\n\n<li>Dovolen\u00e1 v\u00e1m p\u0159inese i<strong> osobn\u00ed nebo profesn\u00ed posun<\/strong>, kter\u00fd potom aplikujete v praxi. A t\u0159eba se do\u010dk\u00e1te lep\u0161\u00edho finan\u010dn\u00edho ohodnocen\u00ed v pr\u00e1ci.<\/li>\n\n\n\n<li>Zpravidla se vyplat\u00ed i <strong>cesty do zahrani\u010d\u00ed za prac\u00ed<\/strong>. N\u00e1klady spojen\u00e9 s letenkou nebo ubytov\u00e1n\u00edm jsou pom\u011brn\u011b n\u00edzk\u00e9 oproti tomu, co si tam vyd\u011bl\u00e1te.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-kdy-se-p-j-ka-na-dovolenou-nevyplat\"><strong>Kdy se p\u016fj\u010dka na dovolenou nevyplat\u00ed<\/strong><\/h2>\n\n\n\n<p>V t\u011bchto p\u0159\u00edpadech o p\u016fj\u010dce na dovolenou rad\u011bji nep\u0159em\u00fd\u0161lejte. Mohlo by to m\u00edt negativn\u00ed d\u016fsledky:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>M\u00e1te napjat\u00fd rozpo\u010det a <strong>\u017eijete od v\u00fdplaty k v\u00fdplat\u011b<\/strong>.<\/li>\n\n\n\n<li>I kdy\u017e v\u00e1m ka\u017ed\u00fd m\u011bs\u00edc p\u00e1r korun zb\u00fdv\u00e1, b\u011b\u017en\u011b je utrat\u00edte za \u201enepot\u0159ebn\u00e9\u201c v\u011bci a <strong>netvo\u0159\u00edte si rezerv<\/strong>y.<\/li>\n\n\n\n<li>Po zaplacen\u00ed spl\u00e1tky budete m\u00edt <strong>probl\u00e9m platit dal\u0161\u00ed v\u00fddaje<\/strong>, nap\u0159\u00edklad na energie, dopravu nebo j\u00eddlo. P\u0159i v\u00fdpo\u010dtech hlavn\u011b nezapome\u0148te na to, \u017ee m\u016f\u017ee znovu doj\u00edt ke zdra\u017een\u00ed. Posledn\u00ed m\u011bs\u00edce se inflace pohybovala ve dvoucifern\u00fdch hodnot\u00e1ch \u2013 na to je pot\u0159eba pamatovat.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-kde-si-p-j-ku-vz-t-a-na-co-si-d-t-pozor\"><strong>Kde si p\u016fj\u010dku vz\u00edt a na co si d\u00e1t pozor<\/strong><\/h2>\n\n\n\n<p>Pokud se pro p\u016fj\u010dku na dovolenou rozhodnete, <strong>ur\u010dit\u011b si pro ni jd\u011bte do banky<\/strong>. Na nebankovn\u00ed instituce rovnou zapome\u0148te. Maj\u00ed vy\u0161\u0161\u00ed \u00farokov\u00e9 sazby i vy\u0161\u0161\u00ed poplatky. Nav\u00edc maj\u00ed v pojistn\u00fdch podm\u00ednk\u00e1ch ob\u010das schovan\u00e9 i n\u011bjak\u00e9 \u201epodp\u00e1sovky\u201c, kter\u00e9 v\u00e1s m\u016f\u017eou v budoucnu dostat do po\u0159\u00e1dn\u00e9ho pr\u016f\u0161vihu.<\/p>\n\n\n\n<p>Nechte si <strong>r\u016fzn\u00e9 p\u016fj\u010dky porovnat od odborn\u00edka<\/strong>. Ten m\u00e1 k dispozici srovn\u00e1va\u010de a kalkula\u010dky \u2013 a hlavn\u011b m\u00e1 p\u0159ehled. Krom\u011b \u00farokov\u00e9 sazby <strong>sledujte i RPSN<\/strong>, tedy ro\u010dn\u00ed procentn\u00ed sazbu n\u00e1klad\u016f. V n\u00ed je zapo\u010d\u00edtan\u00fd nejen \u00farok, ale i ve\u0161ker\u00e9 n\u00e1klady a poplatky s p\u016fj\u010dkou spojen\u00e9.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Statistiky-pujcek.png\" alt=\"Graf ukazuj\u00edc\u00ed, kolik lid\u00e9 ve skute\u010dnosti zaplat\u00ed za p\u016fj\u010dku na dovolenou\" class=\"wp-image-1463\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Statistiky-pujcek.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Statistiky-pujcek-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/Statistiky-pujcek-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\"><em>\u010c\u00e1stky jsou pouze orienta\u010dn\u00ed. P\u0159esn\u011b v\u00e1m je spo\u010d\u00edt\u00e1 poradce ve FinGO nebo v dan\u00e9 bance.<\/em><\/figcaption><\/figure>\n\n\n\n<p>Ve FinGO v\u00e1m r\u00e1di pom\u016f\u017eeme s vyhled\u00e1n\u00edm a sjedn\u00e1n\u00edm t\u00e9 nejv\u00fdhodn\u011bj\u0161\u00ed p\u016fj\u010dky. <a href=\"https:\/\/www.fingo.cz\/kontakty\">Nechte n\u00e1m na sebe kontakt<\/a> a my se v\u00e1m ozveme.<\/p>\n\n\n\n<p>N\u011bkdy m\u016f\u017ee b\u00fdt vhodn\u00fdm \u0159e\u0161en\u00edm i vyu\u017eit\u00ed <strong>kontokorentu k b\u011b\u017en\u00e9mu \u00fa\u010dtu<\/strong>. To ale jen za p\u0159edpokladu, \u017ee ho brzy splat\u00edte \u2013 nap\u0159\u00edklad d\u00edky tomu, \u017ee v\u00e1m od zam\u011bstnavatele p\u0159ijde zaj\u00edmav\u00e1 odm\u011bna.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background\"><strong>Tip na z\u00e1v\u011br:<\/strong> Odkl\u00e1dejte si <strong>ka\u017ed\u00fd m\u011bs\u00edc alespo\u0148 10 % z pen\u011bz<\/strong>, kter\u00e9 vyd\u011bl\u00e1te, a za\u010dn\u011bte okam\u017eit\u011b. Potom t\u0159eba zjist\u00edte, \u017ee si na n\u011bkter\u00e9 v\u011bci p\u016fj\u010dovat v\u016fbec nemus\u00edte, proto\u017ee na n\u011b m\u00e1te na\u0161et\u0159eno. Zadlu\u017e\u00edte se opravdu jenom na nezbytn\u00e9 v\u011bci, bez kter\u00fdch se neobejdete.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Letn\u00ed pr\u00e1zdniny jsou za rohem a s nimi \u010dasto p\u0159ich\u00e1z\u00ed i vysn\u011bn\u00e1 dovolen\u00e1. N\u011bkdo ji pl\u00e1nuje dlouho dop\u0159edu, jin\u00ed se rozhoduj\u00ed na posledn\u00ed chv\u00edli. N\u011bkte\u0159\u00ed let\u00ed k mo\u0159i, dal\u0161\u00ed tr\u00e1v\u00ed \u010das s p\u0159\u00e1teli na horsk\u00e9 chalup\u011b nebo na wellness pobytu. Spole\u010dn\u00fdm jmenovatelem jsou ale v\u017edy pen\u00edze. Bez nich to prost\u011b nejde. Dnes, kdy\u017e se zdra\u017eilo v\u0161echno kolem n\u00e1s, a\u0165 u\u017e jde o energie, pohonn\u00e9 hmoty, nebo t\u0159eba potraviny, nen\u00ed pen\u011bz \u010dasto nazbyt. N\u011bkdo si na dovolenou na\u0161et\u0159it dok\u00e1\u017ee, ale jsou mnoz\u00ed, kte\u0159\u00ed uva\u017euj\u00ed o p\u016fj\u010dce. P\u016fj\u010dka na dovolenou \u2013 ano, nebo ne? V\u011bt\u0161inou se doporu\u010duje nep\u016fj\u010dovat si pen\u00edze na v\u011bci, kter\u00e9 maj\u00ed kr\u00e1tkodob\u00fd u\u017eitek. A mezi n\u011b pat\u0159\u00ed pr\u00e1v\u011b dovolen\u00e1. Sice si ji u\u017eijete, ud\u011bl\u00e1te radost d\u011btem a vytvo\u0159\u00edte si hezk\u00e9 vzpom\u00ednky, ale t\u011bch 14 dn\u00ed u mo\u0159e budete spl\u00e1cet n\u011bkolik let. A to m\u016f\u017ee nep\u0159\u00edjemn\u011b zat\u00ed\u017eit v\u00e1\u0161 rodinn\u00fd rozpo\u010det. V\u00edte, \u017ee podle posledn\u00edch statistik si na dovolenou p\u016fj\u010duje a\u017e 5 % \u010cech\u016f? To nen\u00ed \u00fapln\u011b zanedbateln\u00e9 \u010d\u00edslo. Kdy se p\u016fj\u010dka na dovolenou vyplat\u00ed V t\u011bchto p\u0159\u00edpadech p\u016fj\u010dka d\u00e1v\u00e1 smysl: Kdy se p\u016fj\u010dka na dovolenou nevyplat\u00ed V t\u011bchto p\u0159\u00edpadech o p\u016fj\u010dce na dovolenou rad\u011bji nep\u0159em\u00fd\u0161lejte. Mohlo by to m\u00edt negativn\u00ed d\u016fsledky: Kde si p\u016fj\u010dku vz\u00edt a na co si d\u00e1t [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1457,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[81],"class_list":["post-1455","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-osobni-finance","tag-pujcka-na-dovolenou"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>P\u016fj\u010dka na dovolenou: Na co si d\u00e1t pozor? - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"P\u016fj\u010dka na dovolenou v\u00e1s m\u016f\u017ee vyj\u00edt draze. Ne\u017e si ji sjedn\u00e1te, dob\u0159e si to rozmyslete. 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