[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.portimex.cz\/proc-splacet-predcasne\/#Article","mainEntityOfPage":"https:\/\/www.portimex.cz\/proc-splacet-predcasne\/","headline":"Pro\u010d spl\u00e1cet p\u0159ed\u010dasn\u011b?","name":"Pro\u010d spl\u00e1cet p\u0159ed\u010dasn\u011b?","description":"Ve v\u011bt\u0161in\u011b situac\u00ed je lep\u0161\u00ed dr\u017eet pen\u00edze u sebe a vydat je teprve ve chv\u00edli, kdy u\u017e je to nutn\u00e9, kdy nen\u00ed zbyt\u00ed. Proto\u017ee platit t\u0159eba \u00fa\u010dty p\u0159edem znamen\u00e1, \u017ee by mohl m\u00edt \u010dlov\u011bk mo\u017en\u00e1 pot\u00ed\u017ee, kdyby pak n\u00e1hle p\u0159i\u0161el nepl\u00e1novan\u00fd v\u00fddaj, na kter\u00fd by mu v tu chv\u00edli u\u017e nezb\u00fdvalo. A kdyby nic jin\u00e9ho, […]","datePublished":"2020-01-04","dateModified":"2023-05-19","author":{"@type":"Person","@id":"https:\/\/www.portimex.cz\/author\/#Person","name":"","url":"https:\/\/www.portimex.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0ee2b6192cd06dcea0b65614729a0b10cafbccdb71fa9a5d2ca8d0d37da5c054?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0ee2b6192cd06dcea0b65614729a0b10cafbccdb71fa9a5d2ca8d0d37da5c054?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"portimex.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.portimex.cz\/wp-content\/uploads\/img_a353771_w1748_t1568273423.jpg","url":"https:\/\/www.portimex.cz\/wp-content\/uploads\/img_a353771_w1748_t1568273423.jpg","height":0,"width":0},"url":"https:\/\/www.portimex.cz\/proc-splacet-predcasne\/","about":["Online"],"wordCount":504,"articleBody":"       Ve v\u011bt\u0161in\u011b situac\u00ed je lep\u0161\u00ed dr\u017eet pen\u00edze u sebe a vydat je teprve ve chv\u00edli, kdy u\u017e je to nutn\u00e9, kdy nen\u00ed zbyt\u00ed. Proto\u017ee platit t\u0159eba \u00fa\u010dty p\u0159edem znamen\u00e1, \u017ee by mohl m\u00edt \u010dlov\u011bk mo\u017en\u00e1 pot\u00ed\u017ee, kdyby pak n\u00e1hle p\u0159i\u0161el nepl\u00e1novan\u00fd v\u00fddaj, na kter\u00fd by mu v tu chv\u00edli u\u017e nezb\u00fdvalo. A kdyby nic jin\u00e9ho, lze si t\u00edm, \u017ee sv\u00e9 pen\u00edze udr\u017e\u00edme na sv\u00e9m \u00fa\u010dtu, dos\u00e1hnout t\u0159eba aspo\u0148 zisku n\u011bjak\u00e9ho toho \u00faroku, jen\u017e se dnes sice nenab\u00edz\u00ed nijak z\u00e1vratn\u00fd, ale ka\u017ed\u00e1 koruna je dobr\u00e1.Ov\u0161em v p\u0159\u00edpad\u011b hypot\u00e9k \u010di jin\u00fdch p\u016fj\u010dek plat\u00ed p\u0159ece jenom pon\u011bkud jin\u00e1 pravidla. Tady je p\u0159ed\u010dasn\u00e9 splacen\u00ed moudr\u00fdm rozhodnut\u00edm a nikoliv zbyte\u010dn\u00fdm riskov\u00e1n\u00edm a ztr\u00e1tou. A to z obdobn\u00e9ho d\u016fvodu, z jak\u00e9ho se jinde vypl\u00e1c\u00ed s platbami moc nesp\u011bchat. Z finan\u010dn\u00edch d\u016fvod\u016f.Kdy\u017e si \u010dlov\u011bk vezme p\u016fj\u010dku, dejme tomu hypot\u00e9ku, je jeho povinnost\u00ed postupn\u011b ji splatit b\u011bhem p\u0159edem dan\u00e9ho obdob\u00ed. Za stanovenou dobu ji mus\u00ed po \u010d\u00e1stech vr\u00e1tit. A tak\u00e9 po celou tuto dobu hrad\u00ed i \u00faroky a p\u0159\u00edpadn\u011b i dal\u0161\u00ed poplatky.A to je pr\u00e1v\u011b d\u016fvodem, pro\u010d by se m\u011bl ten, kdo si podobn\u011b p\u016fj\u010dil, sna\u017eit splatit celou dlu\u017enou \u010d\u00e1stku p\u0159ed\u010dasn\u011b, bez ohledu na sjednan\u00fd term\u00edn.\u010c\u00edm d\u0159\u00edve jsou toti\u017e takov\u00e9 p\u016fj\u010den\u00e9 pen\u00edze vr\u00e1ceny, t\u00edm d\u0159\u00edve zanik\u00e1 smlouva o on\u00e9 p\u016fj\u010dce a t\u00edm d\u0159\u00edve doty\u010dn\u00fd dlu\u017en\u00edk p\u0159est\u00e1v\u00e1 platit i \u00faroky, je\u017e vracenou \u010d\u00e1stku nejednou i citeln\u011b navy\u0161uj\u00ed.Tak\u017ee \u010d\u00edm d\u0159\u00edv je v\u0161e splaceno, t\u00edm je to pro dlu\u017en\u00edka lep\u0161\u00ed. Ov\u0161em ne v\u017edy a v\u0161ude. Proto\u017ee jsou jak poskytovatel\u00e9 p\u016fj\u010dek, kte\u0159\u00ed tuto mo\u017enost nab\u00edzej\u00ed, tak i ti, kte\u0159\u00ed zkr\u00e1tka necht\u011bj\u00ed o sv\u00e9 \u00faroky t\u00edmto zp\u016fsobem p\u0159ich\u00e1zet. A tak u n\u011bkter\u00fdch p\u016fj\u010dek mus\u00ed \u010dlov\u011bk zaplatit \u00faroky t\u0159eba i tehdy, kdy je mu milostiv\u011b umo\u017en\u011bno vr\u00e1tit v\u0161e d\u0159\u00edv, ne\u017e jak tomu m\u011blo b\u00fdt. Co\u017e je pochopiteln\u011b ide\u00e1ln\u00ed pro v\u011b\u0159itele, nikoliv v\u0161ak pro ekonomicky rozumn\u011b sm\u00fd\u0161lej\u00edc\u00edho dlu\u017en\u00edka.A proto bychom si m\u011bli br\u00e1t z\u00e1sadn\u011b jen takov\u00e9 p\u016fj\u010dky, je\u017e p\u0159ed\u010dasn\u00e9 splacen\u00ed bez sankc\u00ed umo\u017e\u0148uj\u00ed. Abychom neplatili v\u00edc, ne\u017e mus\u00edme, abychom si mohli p\u016fj\u010dku zlevnit, pokud na jej\u00ed splacen\u00ed na\u0161et\u0159\u00edme d\u0159\u00edve, ne\u017e bylo dohodnuto.Abychom zbyte\u010dn\u011b ze sv\u00fdch pen\u011bz ne\u017eivili n\u011bkoho, kdo prost\u011b chce pen\u00edze klidn\u011b i za nic.                                                                                                                                                                                                                                                                                                                                                                                          3.8\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d spl\u00e1cet p\u0159ed\u010dasn\u011b?","item":"https:\/\/www.portimex.cz\/proc-splacet-predcasne\/#breadcrumbitem"}]}]