{"id":2353,"date":"2021-06-26T20:52:37","date_gmt":"2021-06-26T18:52:37","guid":{"rendered":"https:\/\/stalo-se.cz\/?p=2353"},"modified":"2021-10-27T20:18:03","modified_gmt":"2021-10-27T18:18:03","slug":"jak-vyuzit-pujcku-rozumne-radi-aplikant-cz","status":"publish","type":"post","link":"https:\/\/stalo-se.cz\/?p=2353","title":{"rendered":"Jak vyu\u017e\u00edt p\u016fj\u010dku rozumn\u011b, rad\u00ed Aplikant.cz"},"content":{"rendered":"\n

Nikdy byste nem\u011bli pou\u017e\u00edt p\u016fj\u010den\u00e9 pen\u00edze pro vlastn\u00ed spot\u0159ebu. Nejlep\u0161\u00ed volbou je p\u016fj\u010dit si pro \u00fa\u010dely investice. Ide\u00e1ln\u011b by to m\u011bla b\u00fdt investice nap\u0159\u00edklad do bydlen\u00ed, vzd\u011bl\u00e1n\u00ed \u010di dopravn\u00edho prost\u0159edku pot\u0159ebn\u00e9ho k v\u00fdkonu pr\u00e1ce. Pokud nap\u0159\u00edklad pen\u00edze vyu\u017eijete na to, abyste si po\u0159\u00eddili byt do osobn\u00edho vlastnictv\u00ed a t\u00edm se zbav\u00edte nutnosti platit ka\u017ed\u00fd m\u011bs\u00edc n\u00e1jem, je investice v\u00fdhodn\u00e1. Tak\u00e9 pokud si nap\u0159\u00edklad koup\u00edte auto, kter\u00e9 nutn\u011b pot\u0159ebujete pro v\u00fdkon pr\u00e1ce a t\u00edm p\u00e1dem za\u010dnete vyd\u011bl\u00e1vat d\u0159\u00edve, ne\u017e byste si na n\u011bj na\u0161et\u0159ili. Diskutabiln\u00ed pak m\u016f\u017ee b\u00fdt investice do rekonstrukce obydl\u00ed. Sice si t\u00edm stylem zv\u00fd\u0161\u00edte hodnotu sv\u00e9 nemovitosti, ale je sporn\u00e9, zda to opravdu stoj\u00ed za pozd\u011bj\u0161\u00ed \u00faroky.<\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

\u010c\u00edm vy\u0161\u0161\u00ed riziko, t\u00edm vy\u0161\u0161\u00ed \u00farok<\/strong><\/p>\n\n\n\n

Z\u00e1kladn\u00ed pravidlo financ\u00ed je, \u017ee \u010d\u00edm vy\u0161\u0161\u00ed je riziko, t\u00edm vy\u0161\u0161\u00ed pak je \u00farok. Tento princip funguje obecn\u011b. Je tedy logick\u00e9, \u017ee nap\u0159\u00edklad investice do nemovitosti, kter\u00e1 generuje v\u00fdnos kolem 5 % p\u0159edstavuje men\u0161\u00ed riziko ne\u017e t\u0159eba investice do akcie, kter\u00e1 v\u0161ak m\u016f\u017ee generovat v\u00fdnos a\u017e 10 %. Proto tak\u00e9 banka – recenze firem<\/a> pen\u00edze, kter\u00e9 p\u016fj\u010duje, zaji\u0161\u0165uje \u00farokem \u00fam\u011brn\u00fdm m\u00ed\u0159e rizika. Tud\u00ed\u017e je banka ochotna poskytnout hypot\u00e9ku osob\u011b bez z\u00e1vazk\u016f, kter\u00e1 m\u00e1 m\u011bs\u00ed\u010dn\u011b nadpr\u016fm\u011brn\u00fd p\u0159\u00edjem a nav\u00edc ru\u010d\u00ed nemovitost\u00ed, jeliko\u017e to pro ni nep\u0159edstavuje skoro \u017e\u00e1dn\u00e9 riziko. Naopak t\u0159eba mlad\u00e1 matka samo\u017eivitelka, kter\u00e1 m\u00e1 p\u0159\u00edjem z brig\u00e1d a soci\u00e1ln\u00edch d\u00e1vek, m\u00e1 \u0161anci na \u00fasp\u011bch daleko men\u0161\u00ed. Banka bere ohled p\u0159edev\u0161\u00edm na v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu a p\u0159edchoz\u00ed \u00fav\u011brovou historii. Tato d\u016fv\u011bryhodnost se naz\u00fdv\u00e1 bonita. \u010c\u00edm lep\u0161\u00ed je, t\u00edm ni\u017e\u0161\u00ed \u00faroky m\u00e1 klient \u0161anci z\u00edskat. Je dobr\u00e9 v\u011bd\u011bt, \u017ee \u00faroky u kreditn\u00ed karty jsou fixn\u00ed a bonita u nich nehraje roli. Zku\u0161enosti a hodnocen\u00ed firem najdete na on-line hodnot\u00edc\u00edm port\u00e1lu Aplikant.cz od spole\u010dnosti 123jobs Media.<\/p>\n","protected":false},"excerpt":{"rendered":"

Nikdy byste nem\u011bli pou\u017e\u00edt p\u016fj\u010den\u00e9 pen\u00edze pro vlastn\u00ed spot\u0159ebu. Nejlep\u0161\u00ed volbou je p\u016fj\u010dit si pro…<\/p>\n","protected":false},"author":1,"featured_media":2394,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-2353","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zpravy"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/posts\/2353","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2353"}],"version-history":[{"count":0,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/posts\/2353\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/media\/2394"}],"wp:attachment":[{"href":"https:\/\/stalo-se.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2353"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2353"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2353"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}