{"id":1838,"date":"2025-11-14T12:21:03","date_gmt":"2025-11-14T11:21:03","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1838"},"modified":"2025-12-10T14:35:18","modified_gmt":"2025-12-10T13:35:18","slug":"pujcka-na-vanoce-je-to-dobry-napad","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/pujcka-na-vanoce-je-to-dobry-napad\/","title":{"rendered":"P\u016fj\u010dka na V\u00e1noce: Je to dobr\u00fd n\u00e1pad?"},"content":{"rendered":"\n<p><strong>V\u00e1noce jsou obdob\u00edm radosti, klidu a rodinn\u00e9 pohody. \u010casto ale i stresu a vysok\u00fdch finan\u010dn\u00edch n\u00e1rok\u016f. Ve snaze sv\u00fdm bl\u00edzk\u00fdm zajistit co nejlep\u0161\u00ed d\u00e1rky ob\u010das zapom\u00edn\u00e1me na stabilitu <a href=\"https:\/\/www.fingo.cz\/blog\/jak-na-rodinny-rozpocet-v-kazde-zivotni-situaci\/\">rodinn\u00e9ho rozpo\u010dtu<\/a>. P\u0159ipravte se proto letos v\u010das.<\/strong><\/p>\n\n\n\n<p>Autorem \u010dl\u00e1nku je <strong><a href=\"https:\/\/www.fingo.cz\/blog\/author\/petr-motacek\/\">Petr Mot\u00e1\u010dek<\/a><\/strong>, specialista na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a \u00fav\u011bry<\/p>\n\n\n\n<p><\/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=\"#h-bankovni-vs-nebankovni-pujcky-na-vanoce\">Bankovn\u00ed vs. nebankovn\u00ed p\u016fj\u010dky na V\u00e1noce<\/a><\/li><li class=\"\"><a href=\"#htoc-rokov-sazby-u-bankovn-ch-p-j-ek\">\u00darokov\u00e9 sazby u bankovn\u00edch p\u016fj\u010dek<\/a><\/li><li class=\"\"><a href=\"#htoc-u-spot-ebitelsk-ho-v-ru-se-zaj-mejte-o-rpsn\">U spot\u0159ebitelsk\u00e9ho \u00fav\u011bru se zaj\u00edmejte o RPSN<\/a><\/li><li class=\"\"><a href=\"#htoc-poplatky-za-p-j-ku-u-jednotliv-ch-bank\">Poplatky za p\u016fj\u010dku u jednotliv\u00fdch bank<\/a><\/li><li class=\"\"><a href=\"#htoc-maxim-ln-doba-splatnosti-a-v-e-spot-ebitelsk-ho-v-ru\">Maxim\u00e1ln\u00ed doba splatnosti a v\u00fd\u0161e spot\u0159ebitelsk\u00e9ho \u00fav\u011bru<\/a><\/li><li class=\"\"><a href=\"#htoc-v-voj-rokov-ch-sazeb-na-p-t-rok\">V\u00fdvoj \u00farokov\u00fdch sazeb na p\u0159\u00ed\u0161t\u00ed rok<\/a><\/li><li class=\"\"><a href=\"#htoc-nej-ast-j-ot-zky\">Nej\u010dast\u011bj\u0161\u00ed ot\u00e1zky k p\u016fj\u010dk\u00e1m na V\u00e1noce<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><\/ul><\/div><\/div>\n\n\n\n<p>Ide\u00e1ln\u00edm \u0159e\u0161en\u00edm je, kdy\u017e si \u010dlov\u011bk na V\u00e1noce na\u0161et\u0159\u00ed<strong> svoje pen\u00edze<\/strong> nebo to pokryje n\u011bjakou <strong>jednor\u00e1zovou odm\u011bnou<\/strong>, kterou lid\u00e9 \u010dasto na konci roku od sv\u00fdch zam\u011bstnavatel\u016f dost\u00e1vaj\u00ed.<\/p>\n\n\n\n<p>Ne ale ka\u017ed\u00fd tuto mo\u017enost m\u00e1, a ne ka\u017ed\u00fd je takto zodpov\u011bdn\u00fd. Proto s p\u0159ib\u00fdvaj\u00edc\u00edm \u010dasem V\u00e1noc se spousta lid\u00ed pot\u00fdk\u00e1 s ot\u00e1zkou, jak pokr\u00fdt v\u00e1no\u010dn\u00ed v\u00fddaje, ani\u017e by se dostali do <strong>finan\u010dn\u00ed t\u00edsn\u011b<\/strong>. Ob\u010das se tak v hlav\u011b objev\u00ed my\u0161lenky na <strong>p\u016fj\u010dku na V\u00e1noce<\/strong>, kter\u00e1 nab\u00edz\u00ed zd\u00e1nliv\u011b rychl\u00e9 a snadn\u00e9 \u0159e\u0161en\u00ed <a href=\"https:\/\/www.fingo.cz\/blog\/10-tipu-jak-usetrit-za-vanocni-darky\/\">\u0161t\u011bdr\u00fdch sv\u00e1tk\u016f<\/a> podle p\u0159edstav.<\/p>\n\n\n\n<p>Ka\u017ed\u00e1 mo\u017enost financov\u00e1n\u00ed m\u00e1 ale jak v\u00fdhody, tak nezanedbateln\u00e1 rizika. <a href=\"https:\/\/www.fingo.cz\/blog\/pujcka-na-dovolenou-ano-nebo-ne-a-na-co-si-dat-pozor\/\">Ne\u017e se pro p\u016fj\u010dku rozhodnete<\/a>, <strong>pe\u010dliv\u011b proto zva\u017ete v\u0161echna pro a proti<\/strong>. A projd\u011bte si nab\u00eddky jednotliv\u00fdch instituc\u00ed \u2013 m\u016f\u017ee v nich b\u00fdt toti\u017e propastn\u00fd rozd\u00edl. Poj\u010fme se na to spole\u010dn\u011b pod\u00edvat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bankovni-vs-nebankovni-pujcky-na-vanoce\"><strong>Bankovn\u00ed vs. nebankovn\u00ed p\u016fj\u010dky na V\u00e1noce<\/strong><\/h2>\n\n\n\n<p>Pot\u0159ebn\u00e9 pen\u00edze v\u00e1m m\u016f\u017eou p\u016fj\u010dit jak banky, tak nebankovn\u00ed instituce. My ale jednozna\u010dn\u011b doporu\u010dujeme <strong>dr\u017eet se \u00fav\u011br\u016f u bank<\/strong>. A to hned z n\u011bkolika d\u016fvod\u016f:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-nab-z-v-hodn-j-rokov-sazby\"><em>Nab\u00edz\u00ed <strong>v\u00fdhodn\u011bj\u0161\u00ed \u00farokov\u00e9 sazby.<\/strong><\/em><\/li>\n\n\n\n<li id=\"htoc-maj-ni-poplatky\"><em>Maj\u00ed <strong>ni\u017e\u0161\u00ed poplatky.<\/strong><\/em><\/li>\n\n\n\n<li id=\"htoc-v-p-pad-e-se-dostanete-do-pot-se-spl-cen-m-se-s-bankou-sn-ze-domluv-te-na-e-en-situace\"><em>V p\u0159\u00edpad\u011b, \u017ee se dostanete do pot\u00ed\u017e\u00ed se spl\u00e1cen\u00edm, se s bankou <strong>sn\u00e1ze domluv\u00edte<\/strong> na \u0159e\u0161en\u00ed situace.<\/em><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-rokov-sazby-u-bankovn-ch-p-j-ek\"><strong>\u00darokov\u00e9 sazby u bankovn\u00edch p\u016fj\u010dek<\/strong><\/h2>\n\n\n\n<p><strong>\u00darokov\u00e9 sazby <\/strong>se za posledn\u00ed rok moc nezm\u011bnily a ty <strong>nejni\u017e\u0161\u00ed se dr\u017e\u00ed kolem 4 %<\/strong> nebo t\u011bsn\u011b nad nimi. <strong>Pr\u016fm\u011brn\u00e1 sazba, za kterou banky klient\u016fm pen\u00edze p\u016fj\u010duj\u00ed se pohybuje kolem 7 %.<\/strong><\/p>\n\n\n\n<p>P\u0159i rozhodov\u00e1n\u00ed se ale nezapome\u0148te pod\u00edvat i na druhou stranu \u2013 na <strong>nejvy\u0161\u0161\u00ed mo\u017enou \u00farokovou sazbu u dan\u00e9 banky<\/strong>. Nap\u0159\u00edklad Komer\u010dn\u00ed banka nebo Raiffeisenbank m\u00e1 tuto hranici na 8,4 %.&nbsp; U Raiffeisenbank se to ale t\u00fdk\u00e1 vy\u0161\u0161\u00edch \u00fav\u011brov\u00fdch \u010d\u00e1stek. U n\u011bkter\u00fdch jin\u00fdch bank se m\u016f\u017eete dostat t\u0159eba a\u017e na 20 %. Jak je vid\u011bt, <strong>rozd\u00edly mezi bankami jsou v tomto sm\u011bru pom\u011brn\u011b velk\u00e9.<\/strong><\/p>\n\n\n\n<p>Nejvy\u0161\u0161\u00ed sazby zpravidla \u010dekaj\u00ed na <strong>mlad\u00e9 klienty<\/strong>, kte\u0159\u00ed si je\u0161t\u011b nikdy na nic nep\u016fj\u010dili. Nebo na klienty, kte\u0159\u00ed u banky <strong>nemaj\u00ed sjednan\u00e9 jin\u00e9 produkty<\/strong>, p\u0159\u00edpadn\u011b se v minulosti p\u00e1rkr\u00e1t <strong>opozdili s placen\u00edm<\/strong>.<\/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\/2025\/11\/urokove_sazby_3_ctvrtleti_25_2.png\" alt=\"\" class=\"wp-image-2752\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/11\/urokove_sazby_3_ctvrtleti_25_2.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/11\/urokove_sazby_3_ctvrtleti_25_2-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/11\/urokove_sazby_3_ctvrtleti_25_2-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-u-spot-ebitelsk-ho-v-ru-se-zaj-mejte-o-rpsn\"><strong>U spot\u0159ebitelsk\u00e9ho \u00fav\u011bru se zaj\u00edmejte o RPSN<\/strong><\/h2>\n\n\n\n<p>Jde o zkratku pro \u201ero\u010dn\u00ed procentn\u00ed sazbu n\u00e1klad\u016f\u201d. Z tohoto ukazatele zjist\u00edte, kolik za danou p\u016fj\u010dku skute\u010dn\u011b zaplat\u00edte. Zahrnuje toti\u017e <strong>ve\u0161ker\u00e9 n\u00e1klady a poplatky<\/strong>, kter\u00e9 se se spot\u0159ebitelsk\u00fdm \u00fav\u011brem poj\u00ed.<\/p>\n\n\n\n<p><strong>Jak\u00e9 poplatky v\u00e1m banka m\u016f\u017ee vym\u011b\u0159it?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-poplatek-za-p-ijet-posouzen-a-vyhodnocen-dosti-o-v-r\"><em>Poplatek za p\u0159ijet\u00ed, posouzen\u00ed a vyhodnocen\u00ed \u017e\u00e1dosti o \u00fav\u011br<\/em><\/li>\n\n\n\n<li id=\"htoc-poplatek-za-veden-v-ru\"><em>Poplatek za veden\u00ed \u00fav\u011bru<\/em><\/li>\n\n\n\n<li id=\"htoc-dal-p-padn-n-klady-spojen-s-v-rem\"><em>Dal\u0161\u00ed p\u0159\u00edpadn\u00e9 n\u00e1klady spojen\u00e9 s \u00fav\u011brem<\/em><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-poplatky-za-p-j-ku-u-jednotliv-ch-bank\"><strong>Poplatky za p\u016fj\u010dku u jednotliv\u00fdch bank<\/strong><\/h2>\n\n\n\n<p>Poj\u010fme se pod\u00edvat konkr\u00e9tn\u011b na to, jak vysok\u00e9 poplatky banky sv\u00fdm klient\u016fm \u00fa\u010dtuj\u00ed:<\/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\/11\/poplatky_uveru_3_ctvrtleti_fingo.png\" alt=\"\" class=\"wp-image-2738\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/poplatky_uveru_3_ctvrtleti_fingo.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/poplatky_uveru_3_ctvrtleti_fingo-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/poplatky_uveru_3_ctvrtleti_fingo-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-maxim-ln-doba-splatnosti-a-v-e-spot-ebitelsk-ho-v-ru\"><strong>Maxim\u00e1ln\u00ed doba splatnosti a v\u00fd\u0161e spot\u0159ebitelsk\u00e9ho \u00fav\u011bru<\/strong><\/h2>\n\n\n\n<p>Pokud si pl\u00e1nujete br\u00e1t p\u016fj\u010dku na V\u00e1noce, tak se bude jednat pravd\u011bpodobn\u011b o ni\u017e\u0161\u00ed \u010d\u00e1stky, ale i tak by v\u00e1s mohlo zaj\u00edmat, kolik je v\u00e1m banka schopna maxim\u00e1ln\u011b p\u016fj\u010dit. Mezi bankami toti\u017e b\u00fdv\u00e1 i v tomto ohledu v\u00fdrazn\u00fd rozd\u00edl \u2013 pohybujeme se v rozmez\u00ed <strong>1 milion a\u017e 2,5 milionu K\u010d<\/strong>. Nejvy\u0161\u0161\u00ed p\u016fj\u010dku dostanete u \u010cesk\u00e9 spo\u0159itelny, Komer\u010dn\u00ed banky nebo \u010cSOB, nejni\u017e\u0161\u00ed u Inbank.<\/p>\n\n\n\n<p>D\u016fle\u017eit\u00e1 je i doba, jak dlouho m\u016f\u017eete p\u016fj\u010den\u00e9 pen\u00edze postupn\u011b spl\u00e1cet. To v\u00e1m toti\u017e v\u00fdrazn\u011b ovlivn\u00ed jak <strong>v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek<\/strong>, tak celkovou \u010d\u00e1stku, kterou za \u00fav\u011br nakonec zaplat\u00edte.<\/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 has-link-color wp-elements-4622b5559d06f0e43fb898c37944e928\"><strong>P\u0159\u00edklad: <\/strong><em>P\u016fj\u010d\u00edte si 1.000 000 K\u010d s \u00farokovou sazbou 7,9 % a splatnost\u00ed 8 let. M\u011bs\u00ed\u010dn\u011b tak budete platit 14 086 K\u010d. Jinde v\u00e1m p\u016fj\u010d\u00ed 1.000 000 K\u010d, tak\u00e9 se sazbou 7,9 %, ale na 10 let. V takov\u00e9m p\u0159\u00edpad\u011b spl\u00e1tka vych\u00e1z\u00ed na 12.080 K\u010d m\u011bs\u00ed\u010dn\u011b. To u\u017e je rozd\u00edl 2 006 K\u010d. Na druhou stranu u druh\u00e9 banky ve v\u00fdsledku zaplat\u00edte o 97 344 K\u010d v\u00edc na \u00faroc\u00edch.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-v-voj-rokov-ch-sazeb-na-p-t-rok\"><strong>V\u00fdvoj \u00farokov\u00fdch sazeb na p\u0159\u00ed\u0161t\u00ed rok<\/strong><\/h2>\n\n\n\n<p>Vzhledem k tomu, \u017ee se \u010cNB nechyst\u00e1 k velk\u00fdm zm\u011bn\u00e1m u vyhla\u0161ovan\u00e9 \u00farokov\u00fdch sazeb a nep\u0159edpokl\u00e1daj\u00ed se ani jin\u00e9 v\u00fdznamn\u00e9 ekonomick\u00e9 zm\u011bny, kter\u00e9 by do sazeb mohly n\u011bjak zas\u00e1hnout, tak lze o\u010dek\u00e1vat, \u017ee sou\u010dasn\u00e9 sazby se moc m\u011bnit nebudou, st\u00e1le se budeme pohybovat <strong>od 4 % v\u00fd\u0161e<\/strong>.&nbsp;<\/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 has-link-color wp-elements-861fca2e6189a8c26cda341572c13837\"><strong>Tip: <\/strong>Pokud uva\u017eujete o p\u016fj\u010dce na V\u00e1noce, <a href=\"https:\/\/www.fingo.cz\/kontakty\">pora\u010fte se s na\u0161imi odborn\u00edky<\/a>. Pom\u016f\u017eou v\u00e1m vyznat se v nab\u00eddk\u00e1ch bank a vybrat ten nejlep\u0161\u00ed \u00fav\u011br p\u0159\u00edmo pro v\u00e1s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-nej-ast-j-ot-zky\">Nej\u010dast\u011bj\u0161\u00ed ot\u00e1zky k p\u016fj\u010dk\u00e1m na V\u00e1noce<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-co-znamen-rpsn-a-pro-se-na-tento-daj-d-vat-sp-e-ne-na-rokovou-sazbu\"><strong>Co znamen\u00e1&nbsp;RPSN&nbsp;a pro\u010d se na tento \u00fadaj d\u00edvat?<\/strong><\/h3>\n\n\n\n<p><strong>RPSN<\/strong>&nbsp;(ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f) je d\u016fle\u017eit\u00fd ukazatel, kter\u00fd zahrnuje nejen&nbsp;<strong>\u00farokovou sazbu<\/strong>, ale i v\u0161echny&nbsp;<strong>poplatky<\/strong> spojen\u00e9 s&nbsp;<strong>p\u016fj\u010dkou<\/strong>. Tento \u00fadaj v\u00e1m poskytuje p\u0159esn\u011bj\u0161\u00ed p\u0159edstavu o tom, kolik v\u00e1s bude p\u016fj\u010dka skute\u010dn\u011b st\u00e1t. Na&nbsp;<strong>RPSN<\/strong> byste se m\u011bli zam\u011b\u0159it, proto\u017ee:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-zohled-uje-v-echny-n-klady-na-rozd-l-od-samotn-rokov-sazby-kter-ud-v-jen-cenu-p-j-en-stky-rpsnzahrnuje-i-poplatky-za-sjedn-n-p-j-ky-veden-tu-nebo-p-ed-asn-splacen\"><strong>Zohled\u0148uje v\u0161echny n\u00e1klady<\/strong>: na rozd\u00edl od samotn\u00e9&nbsp;<strong>\u00farokov\u00e9 sazby<\/strong>, kter\u00e1 ud\u00e1v\u00e1 jen cenu p\u016fj\u010den\u00e9 \u010d\u00e1stky,&nbsp;<strong>RPSN<\/strong> zahrnuje i&nbsp;<strong>poplatky<\/strong>&nbsp;<strong>za sjedn\u00e1n\u00ed p\u016fj\u010dky<\/strong>, veden\u00ed \u00fa\u010dtu nebo p\u0159ed\u010dasn\u00e9 splacen\u00ed.<\/li>\n\n\n\n<li id=\"htoc-porovn-n-r-zn-ch-p-j-ek-rpsn-v-m-umo-uje-porovn-vat-r-zn-p-j-ky-s-r-zn-mi-rokov-mi-sazbami-a-poplatky-proto-e-zohled-uje-v-echny-n-klady-spojen-s-p-j-en-m-pen-z\"><strong>Porovn\u00e1n\u00ed r\u016fzn\u00fdch p\u016fj\u010dek<\/strong>:&nbsp;<strong>RPSN<\/strong>&nbsp;v\u00e1m umo\u017e\u0148uje porovn\u00e1vat r\u016fzn\u00e9&nbsp;<strong>p\u016fj\u010dky<\/strong>&nbsp;s r\u016fzn\u00fdmi&nbsp;<strong>\u00farokov\u00fdmi sazbami<\/strong>&nbsp;a poplatky mezi sebou, proto\u017ee zohled\u0148uje v\u0161echny n\u00e1klady spojen\u00e9 s p\u016fj\u010den\u00edm pen\u011bz.<\/li>\n\n\n\n<li id=\"htoc-p-esn-j-odhad-n-klad-d-ky-rpsn-z-sk-te-lep-p-edstavu-o-celkov-cen-p-j-ky-co-v-m-pom-e-l-pe-se-rozhodnout-zda-je-p-j-ka-pro-v-s-v-hodn\"><strong>P\u0159esn\u011bj\u0161\u00ed odhad n\u00e1klad\u016f<\/strong>: d\u00edky&nbsp;<strong>RPSN<\/strong>&nbsp;z\u00edsk\u00e1te lep\u0161\u00ed p\u0159edstavu o celkov\u00e9&nbsp;<strong>cen\u011b p\u016fj\u010dky<\/strong>, co\u017e v\u00e1m pom\u016f\u017ee l\u00e9pe se rozhodnout, zda je p\u016fj\u010dka pro v\u00e1s v\u00fdhodn\u00e1.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-1-jak-jsou-rizika-p-j-ky-na-v-noce-p-j-ka-na-v-noce-m-e-b-t-l-kav-ale-p-in-tak-rizika-mezi-kter-pat\"><strong>Jak\u00e1 jsou rizika&nbsp;p\u016fj\u010dky na V\u00e1noce?<\/strong><\/h3>\n\n\n\n<p><strong>P\u016fj\u010dka na V\u00e1noce<\/strong>&nbsp;m\u016f\u017ee b\u00fdt l\u00e1kav\u00e1, ale p\u0159in\u00e1\u0161\u00ed tak\u00e9&nbsp;<strong>rizika<\/strong>, mezi kter\u00e1 pat\u0159\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-zadlu-en-pokud-si-p-j-te-v-ce-ne-m-ete-spl-cet-m-e-to-v-st-k-probl-m-m-se-spl-cen-m\"><strong>Zadlu\u017een\u00ed<\/strong>: pokud si p\u016fj\u010d\u00edte v\u00edce, ne\u017e m\u016f\u017eete spl\u00e1cet, m\u016f\u017ee to v\u00e9st k probl\u00e9m\u016fm se spl\u00e1cen\u00edm.<\/li>\n\n\n\n<li id=\"htoc-vysok-rokov-sazby-n-kter-nebankovn-p-j-ky-mohou-m-t-velmi-vysok-rokov-sazby-co-zvy-uje-celkovou-stku-kterou-nakonec-zaplat-te\"><strong>Vysok\u00e9 \u00farokov\u00e9 sazby<\/strong>: n\u011bkter\u00e9&nbsp;<strong>nebankovn\u00ed p\u016fj\u010dky<\/strong>&nbsp;mohou m\u00edt velmi vysok\u00e9&nbsp;<strong>\u00farokov\u00e9 sazby<\/strong>, co\u017e zvy\u0161uje celkovou \u010d\u00e1stku, kterou nakonec zaplat\u00edte.<\/li>\n\n\n\n<li id=\"htoc-pokuty-a-sankce-zpo-d-n-platby-mohou-znamenat-pokuty-a-dodate-n-poplatky\"><strong>Pokuty a sankce<\/strong>: zpo\u017ed\u011bn\u00e9 platby mohou znamenat&nbsp;<strong>pokuty<\/strong>&nbsp;a&nbsp;<strong>dodate\u010dn\u00e9 poplatky<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-jak-alternativy-k-p-j-ce-na-v-noce-existuj\"><strong>Jak\u00e9&nbsp;alternativy k p\u016fj\u010dce&nbsp;na V\u00e1noce existuj\u00ed?<\/strong><\/h3>\n\n\n\n<p>M\u00edsto&nbsp;<strong>p\u016fj\u010dky<\/strong>&nbsp;p\u0159em\u00fd\u0161lejte, jak m\u016f\u017eete V\u00e1noce financovat z vlastn\u00edch prost\u0159edk\u016f.&nbsp;<strong>Pl\u00e1nov\u00e1n\u00ed rozpo\u010dtu<\/strong>&nbsp;a \u0161et\u0159en\u00ed v p\u0159edstihu je ide\u00e1ln\u00ed mo\u017enost\u00ed. Pokud u\u017e m\u00e1te&nbsp;<strong>p\u016fj\u010dku<\/strong>, m\u016f\u017eete zv\u00e1\u017eit&nbsp;<strong>konsolidaci dluh\u016f<\/strong>&nbsp;nebo pou\u017eit\u00ed&nbsp;<strong>kreditn\u00ed karty<\/strong>&nbsp;s bez\u00faro\u010dn\u00fdm obdob\u00edm.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-jak-si-zvolit-spr-vnou-p-j-ku-na-v-noce\"><strong>Jak si zvolit spr\u00e1vnou&nbsp;p\u016fj\u010dku na V\u00e1noce?<\/strong><\/h3>\n\n\n\n<p id=\"htoc-porovn-vejte-nab-dky-zjist-te-kter-p-j-ka-m-nejni-rokov-sazby-a-p-ehledn-podm-nky\">P\u0159i v\u00fdb\u011bru&nbsp;<strong>p\u016fj\u010dky<\/strong>&nbsp;je d\u016fle\u017eit\u00e9 porovnat r\u016fzn\u00e9 nab\u00eddky. Hledejte tu s&nbsp;<strong>nejni\u017e\u0161\u00edmi \u00faroky<\/strong>&nbsp;a p\u0159ehledn\u00fdmi podm\u00ednkami. Zva\u017ete&nbsp;<strong>p\u016fj\u010dky<\/strong>&nbsp;s pevnou&nbsp;<strong>\u00farokovou sazbou<\/strong>&nbsp;a ujist\u011bte se, \u017ee v\u00edte, jakou&nbsp;<strong>celkovou cenu p\u016fj\u010dky<\/strong>&nbsp;zaplat\u00edte.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-m-e-p-j-ka-na-v-noce-ovlivnit-mou-kreditn-historii\"><strong>M\u016f\u017ee&nbsp;p\u016fj\u010dka na V\u00e1noce&nbsp;ovlivnit mou&nbsp;kreditn\u00ed historii?<\/strong><\/h3>\n\n\n\n<p>Pokud si&nbsp;<strong>p\u016fj\u010d\u00edte pen\u00edze<\/strong>&nbsp;a budete je \u0159\u00e1dn\u011b spl\u00e1cet, nem\u011bla by&nbsp;<strong>p\u016fj\u010dka<\/strong>&nbsp;negativn\u011b ovlivnit va\u0161i&nbsp;<strong>kreditn\u00ed historii<\/strong>. Naopak, v\u010dasn\u00e9 spl\u00e1cen\u00ed m\u016f\u017ee&nbsp;<strong>bonitu<\/strong>&nbsp;zlep\u0161it. D\u00e1vejte ale pozor na zpo\u017ed\u011bn\u00e9 platby, kter\u00e9 mohou zp\u016fsobit pokuty a \u00faroky.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-je-p-j-ka-na-v-noce-v-hodn-p-j-ka-na-v-noce-m-e-b-t-v-hodn-pokud-nem-te-dostatek-financ-na-pokryt-v-ech-v-no-n-ch-v-daj-d-le-it-je-ale\"><strong>Je&nbsp;p\u016fj\u010dka na V\u00e1noce&nbsp;v\u00fdhodn\u00e1?<\/strong><\/h3>\n\n\n\n<p><strong>P\u016fj\u010dka na V\u00e1noce<\/strong>&nbsp;m\u016f\u017ee b\u00fdt v\u00fdhodn\u00e1, pokud nem\u00e1te dostatek financ\u00ed na pokryt\u00ed v\u0161ech&nbsp;<strong>v\u00e1no\u010dn\u00edch v\u00fddaj\u016f<\/strong>. D\u016fle\u017eit\u00e9 je ale:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-m-t-pl-n-spl-cen-m-jte-jasn-pl-n-na-spl-cen-p-j-ky-v-term-nech-abyste-se-vyhnuli-probl-m-m\"><strong>M\u00edt pl\u00e1n spl\u00e1cen\u00ed<\/strong>: m\u011bjte jasn\u00fd pl\u00e1n na spl\u00e1cen\u00ed&nbsp;<strong>p\u016fj\u010dky<\/strong>&nbsp;v term\u00ednech, abyste se vyhnuli probl\u00e9m\u016fm.<\/li>\n\n\n\n<li id=\"htoc-p-j-te-si-pouze-pot-ebn-nep-j-ujte-si-v-ce-ne-je-nezbytn\"><strong>P\u016fj\u010dte si pouze pot\u0159ebn\u00e9<\/strong>: nep\u016fj\u010dujte si v\u00edce, ne\u017e je nezbytn\u00e9.<\/li>\n\n\n\n<li id=\"htoc-porovn-vejte-nab-dky-zajist-te-si-nejlep-mo-nou-nab-dku-s-n-zk-mi-rokov-mi-sazbami\"><strong>Porovn\u00e1vejte nab\u00eddky<\/strong>: zajist\u011bte si nejlep\u0161\u00ed mo\u017enou nab\u00eddku s n\u00edzk\u00fdmi&nbsp;<strong>\u00farokov\u00fdmi sazbami<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-jak-jsou-nej-ast-j-chyby-p-i-br-n-p-j-ky-na-v-noce\"><strong>Jak\u00e9 jsou nej\u010dast\u011bj\u0161\u00ed&nbsp;chyby p\u0159i br\u00e1n\u00ed p\u016fj\u010dky&nbsp;na V\u00e1noce?<\/strong><\/h3>\n\n\n\n<p>Mezi nej\u010dast\u011bj\u0161\u00ed chyby pat\u0159\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-p-j-en-si-v-ce-ne-je-pot-eba-mnoho-lid-si-p-j-uje-v-c-ne-opravdu-pot-ebuje-co-vede-k-p-et-en-rozpo-tu\"><strong>P\u016fj\u010den\u00ed si v\u00edce ne\u017e je pot\u0159eba<\/strong>: mnoho lid\u00ed si p\u016fj\u010duje v\u00edc, ne\u017e opravdu pot\u0159ebuje, co\u017e vede k p\u0159et\u00ed\u017een\u00ed rozpo\u010dtu.<\/li>\n\n\n\n<li id=\"htoc-neznalost-podm-nek-p-j-ky-nezjistit-si-detailn-rokov-sazby-a-poplatky-m-e-v-st-k-ne-ekan-m-n-klad-m\"><strong>Neznalost podm\u00ednek p\u016fj\u010dky<\/strong>: nezjistit si detailn\u011b&nbsp;<strong>\u00farokov\u00e9 sazby<\/strong>&nbsp;a&nbsp;<strong>poplatky<\/strong>&nbsp;m\u016f\u017ee v\u00e9st k ne\u010dekan\u00fdm n\u00e1klad\u016fm.<\/li>\n\n\n\n<li id=\"htoc-nedostate-n-pl-nov-n-nezv-en-mo-nost-spl-cen-m-e-zp-sobit-probl-my-v-budoucnu\"><strong>Nedostate\u010dn\u00e9 pl\u00e1nov\u00e1n\u00ed<\/strong>: nezv\u00e1\u017een\u00ed mo\u017enost\u00ed spl\u00e1cen\u00ed m\u016f\u017ee zp\u016fsobit probl\u00e9my v budoucnu.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-jak-rokov-sazby-u-p-j-ek-na-v-noce-jsou-norm-ln\"><strong>Jak\u00e9&nbsp;\u00farokov\u00e9 sazby&nbsp;u&nbsp;p\u016fj\u010dek na V\u00e1noce&nbsp;jsou norm\u00e1ln\u00ed?<\/strong><\/h3>\n\n\n\n<p>\u00darokov\u00e9 sazby se li\u0161\u00ed podle typu&nbsp;<strong>p\u016fj\u010dky<\/strong>&nbsp;a poskytovatele:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-bankovn-p-j-ky-obvykle-maj-ni-rokov-sazby-a-p-ehledn-j-podm-nky\"><strong>Bankovn\u00ed p\u016fj\u010dky<\/strong>: obvykle maj\u00ed ni\u017e\u0161\u00ed&nbsp;<strong>\u00farokov\u00e9 sazby<\/strong>&nbsp;a p\u0159ehledn\u011bj\u0161\u00ed podm\u00ednky.<\/li>\n\n\n\n<li id=\"htoc-nebankovn-p-j-ky-mohou-m-t-vy-rokov-sazby-ale-asto-jsou-rychlej-a-dostupn-j-p-i-v-b-ru-p-j-ky-v-dy-porovnejte-r-zn-nab-dky-abyste-na-li-tu-nejv-hodn-j\"><strong>Nebankovn\u00ed p\u016fj\u010dky<\/strong>: mohou m\u00edt vy\u0161\u0161\u00ed&nbsp;<strong>\u00farokov\u00e9 sazby<\/strong>, ale \u010dasto jsou rychlej\u0161\u00ed a dostupn\u011bj\u0161\u00ed.<\/li>\n\n\n\n<li id=\"htoc-nebankovn-p-j-ky-mohou-m-t-vy-rokov-sazby-ale-asto-jsou-rychlej-a-dostupn-j-p-i-v-b-ru-p-j-ky-v-dy-porovnejte-r-zn-nab-dky-abyste-na-li-tu-nejv-hodn-j1\">P\u0159i v\u00fdb\u011bru&nbsp;<strong>p\u016fj\u010dky<\/strong>&nbsp;v\u017edy porovnejte r\u016fzn\u00e9 nab\u00eddky, abyste na\u0161li tu nejv\u00fdhodn\u011bj\u0161\u00ed.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-jak-rokov-sazba-nebo-rove-p-j-ky-je-v-r-obecn-pova-ov-na-za-lichvu\">Jak\u00e1 \u00farokov\u00e1 sazba nebo \u00farove\u0148 p\u016fj\u010dky je v\u202f\u010cR obecn\u011b pova\u017eov\u00e1na za lichvu?<\/h3>\n\n\n\n<p><strong>Lichva<\/strong>&nbsp;je trestn\u00fd \u010din upraven\u00fd v&nbsp;<strong>z\u00e1kon\u011b \u010d. 40\/2009 Sb. (Trestn\u00ed z\u00e1kon\u00edk)<\/strong>&nbsp;\u2014 konkr\u00e9tn\u011b v&nbsp;<strong>\u00a7\u202f218<\/strong>. V \u010cesk\u00e9 republice neexistuje pevn\u00e1 z\u00e1konn\u00e1 hranice, kdy je \u00farokov\u00e1 sazba pova\u017eov\u00e1na za lichvu. D\u016fle\u017eit\u00fdm znakem lichvy je kombinace n\u00e1sleduj\u00edc\u00edch faktor\u016f:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-v-dom-zneu-it-postaven-dlu-n-ka-v-itelem\"><strong>V\u011bdom\u00e9 zneu\u017eit\u00ed<\/strong>&nbsp;postaven\u00ed dlu\u017en\u00edka v\u011b\u0159itelem.<\/li>\n\n\n\n<li id=\"htoc-znev-hodn-n-postaven-dlu-n-ka-nap-t-se-nezku-enost-lehkomyslnost-atp\"><strong>Znev\u00fdhodn\u011bn\u00e9 postaven\u00ed<\/strong>&nbsp;dlu\u017en\u00edka (nap\u0159. t\u00edse\u0148, nezku\u0161enost, lehkomyslnost atp.).<\/li>\n\n\n\n<li id=\"htoc-pln-n-v-hrub-m-nepom-ru-k-tomu-co-bylo-dlu-n-kovi-poskytnuto\"><strong>Pln\u011bn\u00ed v hrub\u00e9m nepom\u011bru<\/strong>&nbsp;k tomu, co bylo dlu\u017en\u00edkovi poskytnuto.<\/li>\n<\/ul>\n\n\n\n<p>U soud\u016f se objevily p\u0159\u00edpady s \u00faroky od&nbsp;<strong>60 % ro\u010dn\u011b<\/strong>&nbsp;a vy\u0161\u0161\u00edmi, p\u0159i\u010dem\u017e \u00farokov\u00e9 sazby p\u0159esahuj\u00edc\u00ed&nbsp;<strong>100 % ro\u010dn\u011b<\/strong>&nbsp;b\u00fdvaj\u00ed pova\u017eov\u00e1ny za indik\u00e1tor lichvy.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>V\u00e1noce jsou obdob\u00edm radosti, klidu a rodinn\u00e9 pohody. \u010casto ale i stresu a vysok\u00fdch finan\u010dn\u00edch n\u00e1rok\u016f. Ve snaze sv\u00fdm bl\u00edzk\u00fdm zajistit co nejlep\u0161\u00ed d\u00e1rky ob\u010das zapom\u00edn\u00e1me na stabilitu rodinn\u00e9ho rozpo\u010dtu. P\u0159ipravte se proto letos v\u010das. Autorem \u010dl\u00e1nku je Petr Mot\u00e1\u010dek, specialista na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a \u00fav\u011bry Ide\u00e1ln\u00edm \u0159e\u0161en\u00edm je, kdy\u017e si \u010dlov\u011bk na V\u00e1noce na\u0161et\u0159\u00ed svoje pen\u00edze nebo to pokryje n\u011bjakou jednor\u00e1zovou odm\u011bnou, kterou lid\u00e9 \u010dasto na konci roku od sv\u00fdch zam\u011bstnavatel\u016f dost\u00e1vaj\u00ed. Ne ale ka\u017ed\u00fd tuto mo\u017enost m\u00e1, a ne ka\u017ed\u00fd je takto zodpov\u011bdn\u00fd. Proto s p\u0159ib\u00fdvaj\u00edc\u00edm \u010dasem V\u00e1noc se spousta lid\u00ed pot\u00fdk\u00e1 s ot\u00e1zkou, jak pokr\u00fdt v\u00e1no\u010dn\u00ed v\u00fddaje, ani\u017e by se dostali do finan\u010dn\u00ed t\u00edsn\u011b. Ob\u010das se tak v hlav\u011b objev\u00ed my\u0161lenky na p\u016fj\u010dku na V\u00e1noce, kter\u00e1 nab\u00edz\u00ed zd\u00e1nliv\u011b rychl\u00e9 a snadn\u00e9 \u0159e\u0161en\u00ed \u0161t\u011bdr\u00fdch sv\u00e1tk\u016f podle p\u0159edstav. Ka\u017ed\u00e1 mo\u017enost financov\u00e1n\u00ed m\u00e1 ale jak v\u00fdhody, tak nezanedbateln\u00e1 rizika. Ne\u017e se pro p\u016fj\u010dku rozhodnete, pe\u010dliv\u011b proto zva\u017ete v\u0161echna pro a proti. A projd\u011bte si nab\u00eddky jednotliv\u00fdch instituc\u00ed \u2013 m\u016f\u017ee v nich b\u00fdt toti\u017e propastn\u00fd rozd\u00edl. Poj\u010fme se na to spole\u010dn\u011b pod\u00edvat. Bankovn\u00ed vs. nebankovn\u00ed p\u016fj\u010dky na V\u00e1noce Pot\u0159ebn\u00e9 pen\u00edze v\u00e1m m\u016f\u017eou p\u016fj\u010dit jak banky, tak nebankovn\u00ed instituce. My ale jednozna\u010dn\u011b doporu\u010dujeme dr\u017eet se \u00fav\u011br\u016f u bank. A to hned z [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":2740,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[106,105,33],"class_list":["post-1838","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-osobni-finance","tag-pujcka","tag-spotrebitelsky-uver","tag-vanoce"],"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 V\u00e1noce: Je to dobr\u00fd n\u00e1pad? - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"P\u016fj\u010dka na V\u00e1noce je \u010dasto l\u00e1kav\u00e1 mo\u017enost, jak sv\u00fdm bl\u00edzk\u00fdm dop\u0159\u00e1t \u0161t\u011bdr\u00e9 sv\u00e1tky. 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