[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.miou-miou.cz\/bez-uroku-by-to-neslo\/#Article","mainEntityOfPage":"https:\/\/www.miou-miou.cz\/bez-uroku-by-to-neslo\/","headline":"Bez \u00farok\u016f by to ne\u0161lo","name":"Bez \u00farok\u016f by to ne\u0161lo","description":"Kdy\u017e si \u010dlov\u011bk p\u016fj\u010duje pen\u00edze, zpravidla se to neomezuje jenom na p\u0159\u00edslib, \u017ee onu p\u016fj\u010denou \u010d\u00e1stku zase vr\u00e1t\u00ed. Pokud si nen\u00ed s t\u00edm, kdo mu<a href=\"https:\/\/www.miou-miou.cz\/bez-uroku-by-to-neslo\/\" class=\"more-link\">View More<\/a>","datePublished":"2019-09-11","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.miou-miou.cz\/author\/#Person","name":"","url":"https:\/\/www.miou-miou.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/96681f32407e92907e886055c80be666fea9980585e3d74d58609948dcc5acbb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/96681f32407e92907e886055c80be666fea9980585e3d74d58609948dcc5acbb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"miou-miou.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.miou-miou.cz\/wp-content\/uploads\/img_a343734_w1723_t1557129061.jpg","url":"https:\/\/www.miou-miou.cz\/wp-content\/uploads\/img_a343734_w1723_t1557129061.jpg","height":0,"width":0},"url":"https:\/\/www.miou-miou.cz\/bez-uroku-by-to-neslo\/","about":["Web"],"wordCount":514,"articleBody":"      Kdy\u017e si \u010dlov\u011bk p\u016fj\u010duje pen\u00edze, zpravidla se to neomezuje jenom na p\u0159\u00edslib, \u017ee onu p\u016fj\u010denou \u010d\u00e1stku zase vr\u00e1t\u00ed. Pokud si nen\u00ed s t\u00edm, kdo mu pen\u00edze p\u016fj\u010duje, v\u00edce ne\u017e bl\u00edzk\u00fd, sp\u0159\u00e1telen\u00fd nebo p\u0159\u00edbuzn\u00fd, mus\u00ed mu navrch je\u0161t\u011b n\u011bco p\u0159ihodit. \u0158\u00edk\u00e1 se tomu \u00faroky. Existence \u00farok\u016f je pln\u011b opodstatn\u011bn\u00e1. A to hned z n\u011bkolika d\u016fvod\u016f. Kdy\u017e n\u011bkdo n\u011bkomu p\u016fj\u010duje, chce z toho tak\u00e9 n\u011bco m\u00edt. Je naprosto norm\u00e1ln\u00ed, \u017ee zadarmo ani ku\u0159e nehrabe, a i v\u011b\u0159itel \u201asi chce nahrabat\u2018.  \u00daroky jsou jistou kompenzac\u00ed za riziko, \u017ee poskytovatel p\u016fj\u010dky u\u017e sv\u00e9 pen\u00edze tak\u00e9 nemus\u00ed nikdy uvid\u011bt. Proto\u017ee co jeden v\u00ed o tom, jak si bude dlu\u017en\u00edk po\u010d\u00ednat, \u017ee? Jeden druh\u00e9mu do hlavy nevid\u00ed a je tak\u00e9 t\u011b\u017eko odhadnout, jak se bude dlu\u017en\u00edkova situace vyv\u00edjet.  Inflace je ne\u00faprosn\u00e1 a po\u017e\u00edr\u00e1 hodnotu pen\u011bz. Kdy\u017e tedy dnes n\u011bkdo p\u016fj\u010d\u00ed pen\u00edze, nebude m\u00edt stejn\u00e1 \u010d\u00e1stka stejnou re\u00e1lnou hodnotu, a\u017e se vr\u00e1t\u00ed dejme tomu za rok, za dva, za deset let,\u2026 A \u00farok tak nahrazuje i onu hodnotu, ji\u017e ukousl ne\u00faprosn\u00fd zub \u010dasu.  Takov\u00fd https:\/\/www.americka-nebankovni-hypoteka.cz\/urok\/ je prost\u011b docela norm\u00e1ln\u00ed v\u011bc. Mus\u00ed existovat, proto\u017ee jinak by poskytovatel\u00e9 p\u016fj\u010dek ztratili z\u00e1jem o toto sv\u00e9 po\u010d\u00edn\u00e1n\u00ed a rad\u011bji by hromadili sv\u00e9 jm\u011bn\u00ed v sejfu, kde by le\u017eelo ladem, ale bylo by tam aspo\u0148 v bezpe\u010d\u00ed. Je nasnad\u011b, \u017ee se \u00faroky li\u0161\u00ed. Proto\u017ee m\u00e1 na jejich v\u00fd\u0161i vliv leccos. T\u0159eba: snaha o dosa\u017een\u00ed \u017e\u00e1douc\u00edho zisku  snaha kompenzovat si mo\u017en\u00e1 s p\u016fj\u010dkou souvisej\u00edc\u00ed rizika  panuj\u00edc\u00ed inflace  nab\u00eddka a popt\u00e1vka  d\u016fv\u011bryhodnost \u017eadatele o p\u016fj\u010dku  \u00fa\u010del, pro kter\u00fd m\u00e1 b\u00fdt p\u016fj\u010dka vyu\u017eita  A tak je naprosto norm\u00e1ln\u00ed, \u017ee kdo si p\u016fj\u010d\u00ed pen\u00edze, plat\u00ed v\u011b\u0159iteli i ur\u010dit\u00e9 procento \u00farok\u016f. A je t\u0159eba d\u00e1vat si pozor, aby si \u010dlov\u011bk sjednal p\u016fj\u010dku, u n\u00ed\u017e jsou \u00faroky na p\u0159ijateln\u00e9 v\u00fd\u0161i. Proto\u017ee a\u010d by se to nemuselo zd\u00e1t, nejeden \u010dlov\u011bk dok\u00e1\u017ee i v t\u00e9to z\u00e1le\u017eitosti p\u011bkn\u011b nalet\u011bt. Sta\u010d\u00ed se t\u0159eba jenom p\u0159ekouknout, zda m\u00e1 b\u00fdt prezentovan\u00fd \u00farok placen za rok nebo za m\u011bs\u00edc \u010di dokonce den. Proto\u017ee \u00farok 1 % je sm\u011b\u0161n\u00fd; ov\u0161em jen do chv\u00edle, ne\u017e si uv\u011bdom\u00edte, \u017ee je ho t\u0159eba platit za ka\u017ed\u00fd den, co\u017e znamen\u00e1 skoro \u010dty\u0159n\u00e1sobek p\u016fj\u010den\u00e9 \u010d\u00e1stky ro\u010dn\u011b. A nen\u00ed mo\u017en\u00e1 \u017e\u00e1douc\u00ed dopadnout jako t\u0159eba ona sle\u010dn\u011b z vtipu, je\u017e si koupila ko\u017eich na \u00fa\u017easn\u011b n\u00edzk\u00e9 spl\u00e1tky, ov\u0161em zapomn\u011bla se prodejce zeptat, kolik \u017ee t\u011bch spl\u00e1tek vlastn\u011b celkem bude.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bez \u00farok\u016f by to ne\u0161lo","item":"https:\/\/www.miou-miou.cz\/bez-uroku-by-to-neslo\/#breadcrumbitem"}]}]