[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.allko.cz\/setrit-nebo-si-vzit-pujcku\/#Article","mainEntityOfPage":"https:\/\/www.allko.cz\/setrit-nebo-si-vzit-pujcku\/","headline":"\u0160et\u0159it, nebo si vz\u00edt p\u016fj\u010dku?","name":"\u0160et\u0159it, nebo si vz\u00edt p\u016fj\u010dku?","description":"Lid\u00e9 se \u010dasto d\u011bl\u00ed do dvou kategori\u00ed. Ti, kte\u0159\u00ed si p\u016fj\u010duj\u00ed, a ti, kdo se rad\u011bji omez\u00ed, a na a\u0161et\u0159\u00ed si. Kdo m\u00e1 ale pravdu, a jak to vlastn\u011b funguje? P\u016fj\u010dka, nebo odlo\u017een\u00ed n\u00e1kupu? Zda je lep\u0161\u00ed vz\u00edt si p\u016fj\u010dku, nebo n\u00e1kup zkr\u00e1tka odlo\u017eit, nen\u00ed v\u017edy \u00fapln\u011b jasn\u00e9. Pokud si toti\u017e na danou v\u011bc budete \u0161et\u0159it, chv\u00edli potrv\u00e1, ne\u017e (pokud … ","datePublished":"2022-08-16","dateModified":"2023-12-16","author":{"@type":"Person","@id":"https:\/\/www.allko.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.allko.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c065076eb86551fdb70725c8063acf1b60a8edaed14ed654228c4cba13121c83?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c065076eb86551fdb70725c8063acf1b60a8edaed14ed654228c4cba13121c83?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"allko.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.allko.cz\/wp-content\/uploads\/money-2724241_640_4.jpg","url":"https:\/\/www.allko.cz\/wp-content\/uploads\/money-2724241_640_4.jpg","height":0,"width":0},"url":"https:\/\/www.allko.cz\/setrit-nebo-si-vzit-pujcku\/","about":["Pen\u00edze"],"wordCount":458,"articleBody":"          Lid\u00e9 se \u010dasto d\u011bl\u00ed do dvou kategori\u00ed. Ti, kte\u0159\u00ed si p\u016fj\u010duj\u00ed, a ti, kdo se rad\u011bji omez\u00ed, a  na a\u0161et\u0159\u00ed si. Kdo m\u00e1 ale pravdu, a jak to vlastn\u011b funguje?P\u016fj\u010dka, nebo odlo\u017een\u00ed n\u00e1kupu?Zda je lep\u0161\u00ed vz\u00edt si p\u016fj\u010dku, nebo n\u00e1kup zkr\u00e1tka odlo\u017eit, nen\u00ed v\u017edy \u00fapln\u011b jasn\u00e9. Pokud si toti\u017e na danou v\u011bc budete \u0161et\u0159it, chv\u00edli potrv\u00e1, ne\u017e (pokud v\u016fbec) ji z\u00edsk\u00e1te. Nemus\u00edte v\u0161ak platit nic nav\u00edc, jeliko\u017e nakupujete za hotov\u00e9. V p\u0159\u00edpad\u011b p\u016fj\u010dky pak m\u00e1te objekt sv\u00e9ho z\u00e1jmu velmi rychle, av\u0161ak s t\u00edm, \u017ee se v\u00e1m ka\u017ed\u00fd m\u011bs\u00edc z \u00fa\u010dtu strhne ur\u010dit\u00e1 \u010d\u00e1stka. P\u016fj\u010dku tak\u00e9 mus\u00edte vy\u0159izovat, proto se zd\u00e1 \u0161et\u0159en\u00ed snaz\u0161\u00ed, spousta lid\u00ed \u0161et\u0159it neum\u00ed, a tak se jim vyplat\u00ed pen\u00edze si p\u016fj\u010dit.V\u00fdhody a nev\u00fdhody p\u016fj\u010dkyKdy\u017e si to jednodu\u0161e shrneme a podtrhneme, p\u016fj\u010dka je \u0159e\u0161en\u00edm okam\u017eit\u00e9ho zaplacen\u00ed pohled\u00e1vky. Jak\u00e9 m\u00e1 ale v\u00fdhody, \u010di nev\u00fdhody?+ Nemus\u00edte \u010dekat, ne\u017e se v\u00e1m poda\u0159\u00ed u\u0161et\u0159it dostate\u010dn\u00e9 mno\u017estv\u00ed pen\u011bz. + V p\u0159\u00edpad\u011b koupi nemovitosti je to jedno z m\u00e1la mo\u017en\u00fdch \u0159e\u0161en\u00ed, proto\u017ee ne\u017e byste na\u0161et\u0159ili, bude v\u00e1mi zvolen\u00e1 nemovitost nejsp\u00ed\u0161 prodan\u00e1, a u\u017e se k n\u00ed nedostanete, nebo pak t\u011b\u017eko najdete na trhu jinou mo\u017enost.+ Jeliko\u017e ka\u017ed\u00fd m\u011bs\u00edc spl\u00e1c\u00edte danou \u010d\u00e1stku, nemus\u00edte si odkl\u00e1dat, a m\u00e1te o starost m\u00e9n\u011b.– Nev\u00fdhodou jsou pak poplatky a \u00faroky https:\/\/nebankovni-hypoteky-cz.cz\/aktuality\/uroky\/, kter\u00e9 zaplat\u00edte nav\u00edc. Je v\u0161ak nutno podotknout, \u017ee hodnota pen\u011bz kles\u00e1, a tak ani \u00faspory nemaj\u00ed takovou cenu, jakou m\u011bli v dob\u011b, kdy jste spo\u0159it za\u010dali.– Vy\u0159izov\u00e1n\u00ed vy\u0161\u0161\u00edch p\u016fj\u010dek b\u00fdv\u00e1 \u010dasto n\u00e1ro\u010dn\u00e9, a trv\u00e1 dlouho, alespo\u0148 co se bankovn\u00edho sektoru t\u00fd\u010de. V nebankovn\u00edm sektoru pak snadno se\u017eenete hypot\u00e9ku s \u00faroky podobn\u00fdmi t\u011bm bankovn\u00edm, ale rychle.V\u00fdhody a nev\u00fdhody \u00faspor+ V\u00fdhodou \u00faspor je, \u017ee nezaplat\u00edte nic nav\u00edc, a nemus\u00edte se tr\u00e1pit s m\u011bs\u00ed\u010dn\u00edmi spl\u00e1tkami.+ Jakmile v\u011bc koup\u00edte, je va\u0161e, a bez dluhu.– Nev\u00fdhodou je, \u017ee hodnota pen\u011bz kles\u00e1, a tak se \u00faspory nezvy\u0161uj\u00ed tak, jak byste si mo\u017en\u00e1 p\u0159\u00e1li.– Je jen ot\u00e1zkou, kdy a zda v\u016fbec na\u0161et\u0159\u00edte dostate\u010dn\u00e9 mno\u017estv\u00ed pen\u011bz.                                                                                                                                                                                                                                                                                                                                                                                          4.7\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u0160et\u0159it, nebo si vz\u00edt p\u016fj\u010dku?","item":"https:\/\/www.allko.cz\/setrit-nebo-si-vzit-pujcku\/#breadcrumbitem"}]}]