[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.avdos.cz\/seznamte-se-s-odbornymi-terminy\/#Article","mainEntityOfPage":"https:\/\/www.avdos.cz\/seznamte-se-s-odbornymi-terminy\/","headline":"Seznamte se s odborn\u00fdmi term\u00edny","name":"Seznamte se s odborn\u00fdmi term\u00edny","description":"Nemus\u00edte b\u00fdt ekonomov\u00e9, abyste nemohli pochopit n\u011bkter\u00e9 pojmy, kter\u00e9 se t\u00fdkaj\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f. A je jedno, zda se jedn\u00e1 o bankovn\u00ed, nebo nebankovn\u00ed spole\u010dnosti. Princip je stejn\u00fd a jednoduch\u00fd.V\u011b\u0159itel V\u00e1m p\u016fj\u010d\u00ed pen\u00edze a Vy mu je v pravideln\u00fdch spl\u00e1tk\u00e1ch vrac\u00edte. M\u00e1te najednou ve sv\u00fdch ruk\u00e1ch velk\u00fd obnos pen\u011bz, kter\u00fd pot\u0159ebujete. \u010cili na dohod\u011b vyd\u011bl\u00e1te. V\u011b\u0159itel…","datePublished":"2017-08-17","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.avdos.cz\/author\/#Person","name":"","url":"https:\/\/www.avdos.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4a71ad3e3da672fdab00dac6e0f7e744f8cb217202b101d0ffab0cf07645e95c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4a71ad3e3da672fdab00dac6e0f7e744f8cb217202b101d0ffab0cf07645e95c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"avdos.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/avdos.cz\/wp-content\/uploads\/img_a322718_w2435_t1534489609.jpg","url":"https:\/\/avdos.cz\/wp-content\/uploads\/img_a322718_w2435_t1534489609.jpg","height":"","width":""},"url":"https:\/\/www.avdos.cz\/seznamte-se-s-odbornymi-terminy\/","about":["Neza\u0159azen\u00e9"],"wordCount":482,"articleBody":"      Nemus\u00edte b\u00fdt ekonomov\u00e9, abyste nemohli pochopit n\u011bkter\u00e9 pojmy, kter\u00e9 se t\u00fdkaj\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f. A je jedno, zda se jedn\u00e1 o bankovn\u00ed, nebo nebankovn\u00ed spole\u010dnosti. Princip je stejn\u00fd a jednoduch\u00fd.V\u011b\u0159itel V\u00e1m p\u016fj\u010d\u00ed pen\u00edze a Vy mu je v pravideln\u00fdch spl\u00e1tk\u00e1ch vrac\u00edte. M\u00e1te najednou ve sv\u00fdch ruk\u00e1ch velk\u00fd obnos pen\u011bz, kter\u00fd pot\u0159ebujete. \u010cili na dohod\u011b vyd\u011bl\u00e1te. V\u011b\u0159itel ale mus\u00ed tak\u00e9 n\u011bco vyd\u011blat! Pro\u010d by V\u00e1m je jen tak p\u016fj\u010doval, kdyby z Va\u0161eho \u00fav\u011bru tak\u00e9 neprofitoval? Ob\u011b strany mus\u00ed b\u00fdt spokojeny. Ka\u017ed\u00e1 spl\u00e1tka hypote\u010dn\u00edho \u00fav\u011bru tedy p\u0159edstavuje dva hlavn\u00ed ukazatele: \u00damor a \u00farok! \u00b7 Vy za\u010d\u00edn\u00e1te u takov\u00e9ho \u00fav\u011bru spl\u00e1cet \u00faroky, kter\u00e9 jdou na vrub v\u011b\u0159iteli. Jsme u toho, \u017ee \u00farok spad\u00e1 do v\u00fdd\u011blku v\u011b\u0159itele. Je to jeho zisk. \u00b7 Spl\u00e1tky \u00famoru jdou u\u017e na vrub Va\u0161eho \u00fav\u011bru, kter\u00fd za\u010dnete sni\u017eovat. Va\u0161emu \u00fav\u011bru, \u010dili pen\u011bz\u016fm, kter\u00e9 jste si skute\u010dn\u011b p\u016fj\u010dili, se \u0159\u00edk\u00e1 jistina. Tak\u017ee za\u010d\u00edn\u00e1te spl\u00e1cet jistinu (v \u0159e\u010di ekonom\u016f).RPSN (ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f) je to, na co byste se m\u011bli p\u0159i za\u0159izov\u00e1n\u00ed \u00fav\u011bru trochu v\u00edce zam\u011b\u0159it. Je to toti\u017e \u010d\u00edslo, kter\u00e9 ovliv\u0148uje \u00faroky. A ty, jak u\u017e v\u00edte, ovliv\u0148uj\u00ed zisky v\u011b\u0159itele. A Vy je mus\u00edte zaplatit. Kdy\u017e tedy shrneme selsk\u00fdm rozumem, co je v m\u011bs\u00ed\u010dn\u00edch spl\u00e1tk\u00e1ch, ke kter\u00fdm jste se zav\u00e1zali, obsa\u017eeno, potom je to odm\u011bna v\u011b\u0159iteli za jeho slu\u017ebu, kterou vyu\u017e\u00edv\u00e1te prost\u0159ednictv\u00edm p\u016fj\u010dky pen\u011bz. A na druhou stranu je to v\u00fd\u0161e pen\u011bz, o kterou sni\u017eujete svou jistinu. Tedy p\u0159esn\u011b tolik pen\u011bz, kolik jste si p\u016fj\u010dili, bez ohledu na ostatn\u00ed poplatky. Pokud byste si vzali bez\u00faro\u010dnou p\u016fj\u010dku, potom byste platili co? Pouze \u00famornou \u010d\u00e1stku! \u010cili \u010d\u00e1stku pen\u011bz, kter\u00e1 bude spl\u00e1cet pouze Va\u0161i jistinu. Je\u0161t\u011b existuje anuitn\u00ed spl\u00e1tka p\u016fj\u010dky, kter\u00e1 se v pr\u016fb\u011bhu spl\u00e1cen\u00ed m\u011bn\u00ed. To proto, \u017ee \u00farok a \u00famor se b\u011bhem spl\u00e1cen\u00ed vz\u00e1jemn\u011b dorovn\u00e1vaj\u00ed. Nejprve plat\u00edte v\u00edce \u00farok\u016f, proto m\u016f\u017eete vid\u011bt, \u017ee Va\u0161e jistina se b\u011bhem n\u011bkolika let nijak v\u00fdrazn\u011b nesni\u017euje. Ale v posledn\u00edch letech spl\u00e1cen\u00ed je \u00farok ni\u017e\u0161\u00ed a Vy kone\u010dn\u011b vid\u00edte spl\u00e1tky \u00famoru, kter\u00e9 jistinu v\u00fdrazn\u011b sni\u017euj\u00ed. Jste z t\u011bch odborn\u00fdch term\u00edn\u016f alespo\u0148 trochu moud\u0159\u00ed? Pochopili jste syst\u00e9m spl\u00e1tek \u00fav\u011bru? To je dob\u0159e.                                                                                                                                                                                                                                                                                                                                                                                          3.5\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Seznamte se s odborn\u00fdmi term\u00edny","item":"https:\/\/www.avdos.cz\/seznamte-se-s-odbornymi-terminy\/#breadcrumbitem"}]}]