{"id":11118,"date":"2024-10-09T16:18:04","date_gmt":"2024-10-09T14:18:04","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=11118"},"modified":"2025-12-14T17:55:28","modified_gmt":"2025-12-14T16:55:28","slug":"kde-si-vyhodne-pujcit","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/kde-si-vyhodne-pujcit\/","title":{"rendered":"Bezpe\u010dn\u00e9 p\u016fj\u010dky maj\u00ed sv\u00e1 pravidla: V\u00edme, kde si v\u00fdhodn\u011b p\u016fj\u010dit bez rizika"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Br\u00e1t, nebo nebrat, to je, o\u010d tu b\u011b\u017e\u00ed<\/h2>\n\n\n\n<p>Ne\u017e v\u00e1m pov\u00edme, kde si v\u00fdhodn\u011b p\u016fj\u010dit, ujasn\u011bte si, jestli po \u00fav\u011bru mus\u00edte opravdu s\u00e1hnout. Smysl m\u00e1 ve chv\u00edli, kdy pot\u0159ebujete<strong> v\u011bt\u0161\u00ed obnos na v\u00fddaje, kter\u00e9 v\u00e1m p\u0159inesou dlouhodob\u00fd p\u0159\u00ednos.<\/strong> Typicky jde o <strong>financov\u00e1n\u00ed bydlen\u00ed, auta nebo t\u0159eba vzd\u011bl\u00e1n\u00ed<\/strong>. A pokud p\u0159em\u00fd\u0161l\u00edte, na co si nebrat \u00fav\u011br, jsou to naopak kr\u00e1tkodob\u00e9 z\u00e1le\u017eitosti jako dovolen\u00e9, v\u00e1no\u010dn\u00ed d\u00e1rky, nejnov\u011bj\u0161\u00ed elektronika nebo luxusn\u00ed m\u00f3da.<\/p>\n\n\n<div class=\"su-box su-box-style-default\" id=\"\" style=\"border-color:#009f63;border-radius:3px;max-width:none\"><div class=\"su-box-title\" style=\"background-color:#19D296;color:#FFFFFF;border-top-left-radius:1px;border-top-right-radius:1px\">TIP!<\/div><div class=\"su-box-content su-u-clearfix su-u-trim\" style=\"border-bottom-left-radius:1px;border-bottom-right-radius:1px\">TIP: Doslou\u017eila v\u00e1m pra\u010dka a do v\u00fdplaty m\u00e1te daleko? Nemus\u00edte tr\u00e1vit ml\u00e1d\u00ed ve ve\u0159ejn\u00e9 pr\u00e1deln\u011b ani s\u00e1hnout po nev\u00fdhodn\u00e9 p\u016fj\u010dce. Kupte ji rad\u011bji se Skip Pay. S <a href=\"https:\/\/skippay.cz\/balicky\/\">bal\u00ed\u010dkem MAXI<\/a> z\u00edsk\u00e1te a\u017e 50 dn\u00ed na jej\u00ed zaplacen\u00ed a limit na n\u00e1kupy a\u017e 100 000 K\u010d.<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Pozor na nebankovn\u00ed p\u016fj\u010dky bez registru i mikrop\u016fj\u010dky<\/h2>\n\n\n\n<p>Za jednu z nejrizikov\u011bj\u0161\u00edch se pova\u017euje nebankovn\u00ed p\u016fj\u010dka bez registru, kdy si jej\u00ed poskytovatel nijak neov\u011b\u0159\u00ed va\u0161i schopnost spl\u00e1cet. Ruku v ruce s t\u00edm jdou i vysok\u00e9 \u00faroky a dal\u0161\u00ed poplatky. Slo\u017eit\u00e9 je to i s mikrop\u016fj\u010dkami (p\u016fj\u010dkami do v\u00fdplaty), kter\u00e9 se sice sjedn\u00e1vaj\u00ed jen na n\u00edzk\u00e9 \u010d\u00e1stky a na kr\u00e1tk\u00e9 obdob\u00ed, ale jsou pro n\u011b typick\u00e9 velmi vysok\u00e9 \u00faroky. Pokud tedy pot\u0159ebujete <a href=\"https:\/\/skippay.cz\/pujcka\">p\u016fj\u010dit pen\u00edze ihned<\/a>, vyu\u017eijte rad\u011bji v\u00fdhodn\u011bj\u0161\u00ed kontokorent u va\u0161\u00ed banky, nebo <a href=\"https:\/\/skippay.cz\/revolvingovy-uver\/\">revolvingov\u00fd \u00fav\u011br<\/a>, kter\u00fd funguje podobn\u011b jako kreditn\u00ed karta.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Transparentn\u00ed smluvn\u00ed podm\u00ednky jako z\u00e1klad<\/h2>\n\n\n\n<p>Nebankovn\u00ed spole\u010dnosti dnes <a href=\"https:\/\/www.hyperfinance.cz\/magazin\/pujcka-od-lichvare-aneb-jak-si-nechat-vzit-strechu-nad-hlavou\/\">u\u017e mus\u00ed m\u00edt licenci<\/a> \u010cesk\u00e9 n\u00e1rodn\u00ed banky. Lichv\u00e1\u0159sk\u00fdch praktik tedy ubylo, ale st\u00e1le zcela nevymizely. P\u0159ed sjedn\u00e1n\u00edm \u00fav\u011bru tedy <strong>pe\u010dliv\u011b \u010dt\u011bte smluvn\u00ed podm\u00ednky<\/strong> a nepodepisujte nic, s \u010d\u00edm nesouhlas\u00edte, nen\u00ed v\u00e1m jasn\u00e9 nebo \u010demu nev\u011b\u0159\u00edte. <strong>Problematick\u00e9 pas\u00e1\u017ee<\/strong> nav\u00edc <strong>\u010dasto mohou b\u00fdt skryt\u00e9 pod \u010darou<\/strong>, p\u0159\u00edpadn\u011b napsan\u00e9 mal\u00fdm p\u00edsmem dole na str\u00e1nce. I tam je tedy nutn\u00e9 se d\u00edvat.<\/p>\n\n\n\n<p>Do podpisu smlouvy by v\u00e1s nikdo nem\u011bl tla\u010dit. Naopak, <strong>d\u016fv\u011bryhodn\u00fd poskytovatel v\u00e1m umo\u017en\u00ed si v\u0161e v klidu pro\u010d\u00edst<\/strong> a nem\u00e1 pot\u0159ebu uv\u00e1d\u011bt zav\u00e1d\u011bj\u00edc\u00ed informace. Stejn\u011b tak do smlouvy nezahrnuje ru\u010den\u00ed va\u0161\u00ed nemovitost\u00ed a nepo\u017eaduje \u00faroky v hodnot\u011b des\u00edtek procent ani nesmysln\u011b vysok\u00e9 poplatky za prodlen\u00ed.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u00daROKOV\u00c1 SAZBA NEN\u00cd RPSN<br><br>\u0158ada poskytovatel\u016f l\u00e1k\u00e1 na n\u00edzkou \u00farokovou sazbu. <strong>P\u0159i srovn\u00e1n\u00ed p\u016fj\u010dek nebo hypot\u00e9k je ale d\u016fle\u017eit\u011bj\u0161\u00ed RPSN <\/strong>neboli ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f. Ta zahrnuje <strong>v\u0161echny n\u00e1klady na \u00fav\u011br <\/strong>v\u010detn\u011b poplatk\u016f za jeho z\u0159\u00edzen\u00ed nebo veden\u00ed \u00fav\u011brov\u00e9ho \u00fa\u010dtu.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Spot\u0159ebitelsk\u00fd \u00fav\u011br versus podnikatelsk\u00fd \u00fav\u011br<\/h2>\n\n\n\n<p>Jednotlivci mohou v \u010cesku \u017e\u00e1dat o spot\u0159ebitelsk\u00fd \u00fav\u011br, na kter\u00fd se vztahuje nejvy\u0161\u0161\u00ed m\u00edra legislativn\u00ed ochrany, a je tak t\u0159eba mo\u017en\u00e9 odstoupit od smlouvy do 14 dn\u016f, a to i v p\u0159\u00edpad\u011b, \u017ee byla podeps\u00e1na na pobo\u010dce spole\u010dnosti. Nebankovn\u00ed spole\u010dnosti proto n\u011bkdy zam\u011b\u0148uj\u00ed spot\u0159ebitelsk\u00e9 \u00fav\u011bry za podnikatelsk\u00e9, kter\u00e9 tuto ochranu nezaru\u010duj\u00ed a m\u011bly by slou\u017eit opravdu jen k financov\u00e1n\u00ed podnik\u00e1n\u00ed.<\/p>\n\n\n\n<p><br><strong>Formou kr\u00e1tkodob\u00e9ho spot\u0159ebitelsk\u00e9ho \u00fav\u011bru je i <\/strong><a href=\"https:\/\/skippay.cz\/revolvingovy-uver\/\"><strong>revolvingov\u00fd \u00fav\u011br<\/strong><\/a>, kter\u00fd se pravideln\u011b obnovuje bez nutnosti dal\u0161\u00edho sjedn\u00e1n\u00ed. V\u00fdhodou je, \u017ee ho <strong>spl\u00e1c\u00edte pouze ve chv\u00edli, kdy pen\u00edze \u010derp\u00e1te<\/strong> a p\u0159i dodr\u017een\u00ed sjednan\u00e9 lh\u016fty za n\u011bj nezaplat\u00edte ani korunu nav\u00edc.<\/p>\n\n\n<div class=\"su-box su-box-style-default\" id=\"\" style=\"border-color:#009f63;border-radius:3px;max-width:none\"><div class=\"su-box-title\" style=\"background-color:#19D296;color:#FFFFFF;border-top-left-radius:1px;border-top-right-radius:1px\">TIP!<\/div><div class=\"su-box-content su-u-clearfix su-u-trim\" style=\"border-bottom-left-radius:1px;border-bottom-right-radius:1px\">TIP: Po\u0159i\u010fte si <a href=\"https:\/\/skippay.cz\/balicky\/#maxi\">bal\u00ed\u010dek MAXI<\/a> s limitem na n\u00e1kupy a\u017e 100 tis\u00edc korun a dobou na zaplacen\u00ed a\u017e 50 dn\u00ed. A kdy\u017e v\u00e1m vy\u00fa\u010dtov\u00e1n\u00ed n\u00e1kup\u016f p\u0159ijde nevhod? M\u016f\u017eete si snadno posunout jeho splatnost za p\u0159edem zn\u00e1m\u00fd <a href=\"https:\/\/skippay.cz\/cenik\">f\u00e9rov\u00fd poplatek<\/a>.<\/div><\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ka\u017ed\u00fd se m\u016f\u017ee dostat do situace, kdy pot\u0159ebuje v\u00edc pen\u011bz, ne\u017e m\u00e1 zrovna na \u00fa\u010dtu. Ne\u017e ale s\u00e1hnete po \u00fav\u011bru, spo\u010d\u00edtejte si, jestli se bez n\u011bj opravdu neobejdete a zvl\u00e1dnete ho spl\u00e1cet. Kde si v\u00fdhodn\u011b p\u016fj\u010dit?<\/p>\n","protected":false},"author":41,"featured_media":11119,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[157,2304,24],"class_list":["post-11118","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-financni-gramotnost","tag-finance","tag-tipy-triky","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>V\u00edme, kde si v\u00fdhodn\u011b p\u016fj\u010dit bez rizika I Skip Pay<\/title>\n<meta name=\"description\" content=\"Bezpe\u010dn\u00e9 p\u016fj\u010dky maj\u00ed sv\u00e1 pravidla. 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Kde si v\u00fdhodn\u011b p\u016fj\u010dit, abyste neutratili majlant za zbyte\u010dn\u00fd poplatky a na co si d\u00e1t pozor?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skippay.cz\/blog\/kde-si-vyhodne-pujcit\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz\" \/>\n<meta property=\"article:published_time\" content=\"2024-10-09T14:18:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-14T16:55:28+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/skippay.cz\/blog\/wp-content\/uploads\/2024\/12\/kde-si-vyhodne-pujcit.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1568\" \/>\n\t<meta property=\"og:image:height\" content=\"706\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Dana Halu\u0161kov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Dana Halu\u0161kov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/kde-si-vyhodne-pujcit\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/kde-si-vyhodne-pujcit\\\/\"},\"author\":{\"name\":\"Dana Halu\u0161kov\u00e1\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/c56c2db4ae1172d6d6ddfccad207b388\"},\"headline\":\"Bezpe\u010dn\u00e9 p\u016fj\u010dky maj\u00ed sv\u00e1 pravidla: V\u00edme, kde si v\u00fdhodn\u011b p\u016fj\u010dit bez rizika\",\"datePublished\":\"2024-10-09T14:18:04+00:00\",\"dateModified\":\"2025-12-14T16:55:28+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/kde-si-vyhodne-pujcit\\\/\"},\"wordCount\":727,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/kde-si-vyhodne-pujcit\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/kde-si-vyhodne-pujcit.png\",\"keywords\":[\"Finan\u010dn\u00ed gramotnost\",\"Finance\",\"Tipy &amp; Triky\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/skippay.cz\\\/blog\\\/kde-si-vyhodne-pujcit\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/kde-si-vyhodne-pujcit\\\/\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/kde-si-vyhodne-pujcit\\\/\",\"name\":\"V\u00edme, kde si v\u00fdhodn\u011b p\u016fj\u010dit bez rizika I Skip Pay\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/kde-si-vyhodne-pujcit\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/kde-si-vyhodne-pujcit\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/kde-si-vyhodne-pujcit.png\",\"datePublished\":\"2024-10-09T14:18:04+00:00\",\"dateModified\":\"2025-12-14T16:55:28+00:00\",\"description\":\"Bezpe\u010dn\u00e9 p\u016fj\u010dky maj\u00ed sv\u00e1 pravidla. 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