[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.balador.cz\/pujcit-si-ale-s-rozumem\/#Article","mainEntityOfPage":"https:\/\/www.balador.cz\/pujcit-si-ale-s-rozumem\/","headline":"P\u016fj\u010dit si ale s rozumem","name":"P\u016fj\u010dit si ale s rozumem","description":"\u010casto p\u0159ed n\u00e1mi stoj\u00ed n\u00e1ro\u010dn\u00fd \u00fakol. Zakl\u00e1d\u00e1me si rodinu a p\u0159em\u00fd\u0161l\u00edme o vlastn\u00edm bydlen\u00ed. P\u00e1r let sice spo\u0159\u00edme, ale jen s t\u011b\u017e\u00ed n\u00e1m to vysta\u010d\u00ed na \u010dtvrtinu nebo dokonce polovinu pot\u0159ebn\u00e9 \u010d\u00e1stky. Jak si ale zajistit pot\u0159ebn\u00e9 finance? Snadn\u00fd \u0159e\u0161en\u00edm je za\u017e\u00e1dat si o p\u016fj\u010dku, tedy relativn\u011b snadn\u00fdm. Pokud chceme z\u00edskat p\u016fj\u010dku mus\u00edme proj\u00edt \u0159adou […]","datePublished":"2018-08-25","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.balador.cz\/author\/#Person","name":"balador.cz\n","url":"https:\/\/www.balador.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"balador.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.balador.cz\/wp-content\/uploads\/img_a322571_w2290_t1534253645.jpg","url":"https:\/\/www.balador.cz\/wp-content\/uploads\/img_a322571_w2290_t1534253645.jpg","height":0,"width":0},"url":"https:\/\/www.balador.cz\/pujcit-si-ale-s-rozumem\/","about":["Finance"],"wordCount":450,"articleBody":"\u010casto p\u0159ed n\u00e1mi stoj\u00ed n\u00e1ro\u010dn\u00fd \u00fakol. Zakl\u00e1d\u00e1me si rodinu a p\u0159em\u00fd\u0161l\u00edme o vlastn\u00edm bydlen\u00ed. P\u00e1r let sice spo\u0159\u00edme, ale jen s t\u011b\u017e\u00ed n\u00e1m to vysta\u010d\u00ed na \u010dtvrtinu nebo dokonce polovinu pot\u0159ebn\u00e9 \u010d\u00e1stky. Jak si ale zajistit pot\u0159ebn\u00e9 finance? Snadn\u00fd \u0159e\u0161en\u00edm je za\u017e\u00e1dat si o p\u016fj\u010dku, tedy relativn\u011b snadn\u00fdm. Pokud chceme z\u00edskat p\u016fj\u010dku mus\u00edme proj\u00edt \u0159adou prov\u011brek a test\u016f, ne\u017e k n\u00e1m banka z\u00edsk\u00e1 d\u016fv\u011bru a poskytne n\u00e1m finance. Nejprve je zapot\u0159eb\u00ed vymezit si bankovn\u00ed syst\u00e9m. Ten se d\u011bl\u00ed do dvou z\u00e1kladn\u00edch \u010d\u00e1st\u00ed. Je to jednosektorov\u00fd a dvousektorov\u00fd syst\u00e9m. S jednosektorov\u00fdm syst\u00e9mem jsme se mohli setkat za minul\u00e9ho re\u017eimu, kdy v\u0161echny banky byly \u0159\u00edzeny st\u00e1tem a doch\u00e1zelo k nev\u00fdhodn\u00fdm bankovn\u00edm obchod\u016fm a vznikaly nedobytn\u00e9 pohled\u00e1vky. Z toho d\u016fvodu vznikl dvousektorov\u00fd bankovn\u00ed syst\u00e9m, kter\u00fd funguje nejen v \u010cR, ale tak\u00e9 v cel\u00e9 Evropsk\u00e9 Unii. V tomto typu syst\u00e9mu jsou banky rozd\u011bleny na jednu centr\u00e1ln\u00ed a ostatn\u00ed komer\u010dn\u00ed. Ta n\u00e1sledn\u011b ud\u00e1v\u00e1, kolik pen\u011bz m\u016f\u017eou banky na p\u016fj\u010dk\u00e1ch vydat, jak\u00e9 jsou \u00farokov\u00e9 sazby. D\u00e1le m\u00e1 na starost m\u011bnovou a fisk\u00e1ln\u00ed politiku. Co se t\u00fd\u010de \u00fav\u011br\u016f  banky poskytuj\u00ed bu\u010f p\u016fj\u010dky \u00fa\u010delov\u00e9 nebo bez\u00fa\u010delov\u00e9. Z hlediska \u00fa\u010delov\u00fdch m\u016f\u017eeme vyu\u017e\u00edt hypot\u00e9ky \u010di \u00fav\u011bru. V r\u00e1mci hypot\u00e9k je t\u0159eba m\u00edt dostatek majetku k ru\u010den\u00ed. Z\u00e1kladem je t\u0159eba m\u00edt nemovitost, dostate\u010dn\u00fd p\u0159\u00edjem a p\u0159\u00edpadn\u011b i ru\u010ditele. Pokud vy\u017eadujeme \u00fav\u011br je v\u00fdhodn\u011bj\u0161\u00ed si z\u00e1rove\u0148 s \u00fav\u011brem za\u0159\u00eddit stavebn\u00ed spo\u0159en\u00ed. Kdy\u017e budeme spo\u0159it po dobu dvou let a naspo\u0159\u00edme dostate\u010dn\u011b velk\u00e9 mno\u017estv\u00ed pen\u011bz m\u016f\u017eeme z\u00edskat \u00fav\u011br s v\u00fdhodn\u011bj\u0161\u00edm \u00farokem. V r\u00e1mci bez\u00fa\u010delov\u00fdch hypot\u00e9k se nejv\u011bt\u0161\u00ed popularit\u011b t\u011b\u0161\u00ed americk\u00e1 hypot\u00e9ka, kter\u00e1 je obl\u00edben\u00e1 hlavn\u011b z d\u016fvodu minim\u00e1ln\u00edch po\u017eadavk\u016f. Nevy\u017eaduj\u00ed ru\u010den\u00ed nemovitostmi ani v\u00fdpis z registru dlu\u017en\u00edk\u016f. Jedin\u00e9, na \u010dem spole\u010dnosti z\u00e1le\u017e\u00ed je, zda bude p\u016fj\u010dka splacena \u010di nikoliv. A\u0165 se jedn\u00e1 o \u00fa\u010delovou \u010di bez\u00fa\u010delovou p\u016fj\u010dku v ka\u017ed\u00e9m p\u0159\u00edpad\u011b je t\u0159eba se po\u0159\u00e1dn\u011b rozmyslet, zda skute\u010dn\u011b p\u016fj\u010dku pot\u0159ebujeme a zda se opravdu chceme na n\u011bkolik des\u00edtek let zadlu\u017eit.                                                                                                                                                                                                                                                                                                                                                                                        3.5\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dit si ale s rozumem","item":"https:\/\/www.balador.cz\/pujcit-si-ale-s-rozumem\/#breadcrumbitem"}]}]