{"id":1947,"date":"2024-06-26T14:13:00","date_gmt":"2024-06-26T12:13:00","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=1947"},"modified":"2025-10-06T13:21:45","modified_gmt":"2025-10-06T11:21:45","slug":"usetrete-diky-konsolidaci-pujcek-vime-jak-na-to","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/usetrete-diky-konsolidaci-pujcek-vime-jak-na-to\/","title":{"rendered":"Ni\u017e\u0161\u00ed spl\u00e1tky i p\u0159ehled ve financ\u00edch. Kdy se vyplat\u00ed konsolidace p\u016fj\u010dek?"},"content":{"rendered":"\n

Konsolidace neboli slou\u010den\u00ed \u00fav\u011br\u016f je obl\u00edben\u00fd bankovn\u00ed produkt, kter\u00fd klient\u016fm umo\u017e\u0148uje spojit n\u011bkolik existuj\u00edc\u00edch p\u016fj\u010dek<\/a> od r\u016fzn\u00fdch v\u011b\u0159itel\u016f do jednoho v\u011bt\u0161\u00edho \u00fav\u011bru u nov\u00e9, nebo i st\u00e1vaj\u00edc\u00ed bankovn\u00ed spole\u010dnosti. Konsolidovat lze nejen klasick\u00e9 p\u016fj\u010dky<\/a>, ale tak\u00e9 dluhy na kreditn\u00ed kart\u011b nebo kontokorentu<\/strong>, a to jak od od tradi\u010dn\u00edch bankovn\u00edch dom\u016f, tak i od nebankovn\u00edch spole\u010dnost\u00ed.<\/p>\n\n\n\n

Slou\u010den\u00ed v praxi prob\u00edh\u00e1 tak, \u017ee \u00fasp\u011b\u0161n\u00fd \u017eadatel o konsolidaci nov\u00e9mu v\u011b\u0159iteli poskytne dokumentaci ke sv\u00fdm st\u00e1vaj\u00edc\u00edm \u00fav\u011br\u016fm, banka nebo nebankovn\u00ed spole\u010dnost tyto z\u00e1vazky vyrovn\u00e1 a nahrad\u00ed je jednou p\u016fj\u010dkou<\/strong> s novou \u00farokovou sazbou i dobou spl\u00e1cen\u00ed. Schv\u00e1len\u00ed konsolidace p\u0159edch\u00e1z\u00ed posuzov\u00e1n\u00ed bonity \u017eadatele<\/a> stejn\u011b jako v p\u0159\u00edpad\u011b jak\u00e9koliv jin\u00e9 p\u016fj\u010dky. <\/p>\n\n\n\n

K<\/strong><\/em>onsolidace vs. refinancov\u00e1n\u00ed. V \u010dem se li\u0161\u00ed?<\/b><\/strong><\/em>

Pojem konsolidace <\/strong>v bankovnictv\u00ed ozna\u010duje spojen\u00ed n\u011bkolika \u00fav\u011br\u016f do jedn\u00e9 v\u011bt\u0161\u00ed p\u016fj\u010dky. Refinancov\u00e1n\u00ed <\/strong>zat\u00edm spo\u010d\u00edv\u00e1 v p\u0159eveden\u00ed jedn\u00e9 p\u016fj\u010dky (\u010dasto hypot\u00e9ky) od jedn\u00e9 finan\u010dn\u00ed instituce k jin\u00e9 za \u00fa\u010delem z\u00edsk\u00e1n\u00ed v\u00fdhodn\u011bj\u0161\u00ed \u00farokov\u00e9 sazby nebo sn\u00ed\u017een\u00ed spl\u00e1tky<\/a>.<\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n
TIP!<\/div>
Vybrat ten spr\u00e1vn\u00fd \u00fav\u011br nen\u00ed jen tak. P\u0159e\u010dt\u011bte si 4 tipy, jak na to.<\/a><\/b><\/div><\/div>\n\n\n\n

V \u010dem v\u00e1m slou\u010den\u00ed \u00fav\u011br\u016f pom\u016f\u017ee?<\/strong><\/h2>\n\n\n\n

Ulev\u00ed rodinn\u00e9mu rozpo\u010dtu<\/strong><\/h3>\n\n\n\n

Hlavn\u00edm benefitem konsolidace je, \u017ee v\u00e1m umo\u017en\u00ed m\u011bs\u00ed\u010dn\u011b spl\u00e1cet<\/a> v\u00fdrazn\u011b ni\u017e\u0161\u00ed <\/strong>sumu ne\u017e sou\u010det spl\u00e1tek p\u016fvodn\u00edch \u00fav\u011br\u016f. Tento pokles m\u016f\u017ee zp\u016fsobit jednak v\u00fdhodn\u011bj\u0161\u00ed \u00farokov\u00e1 sazba v nov\u00e9 bance, ale tak\u00e9 rozlo\u017een\u00ed spl\u00e1tek do del\u0161\u00edho \u010dasov\u00e9ho \u00faseku. To sice znamen\u00e1, \u017ee p\u016fj\u010dku budete spl\u00e1cet d\u00e9le, ale pokud se v\u00e1m finan\u010dn\u011b ulev\u00ed, stoj\u00ed za to tento produkt zv\u00e1\u017eit.<\/p>\n\n\n\n

Odstran\u00ed zbyte\u010dnou administrativu<\/strong><\/h3>\n\n\n\n

Hl\u00eddat jednu p\u016fj\u010dku je jednodu\u0161\u0161\u00ed ne\u017e m\u00edt p\u0159ehled o n\u011bkolika \u00fav\u011brech od r\u016fzn\u00fdch poskytovatel\u016f<\/strong>. Spl\u00e1tka bude z va\u0161eho \u00fa\u010dtu odch\u00e1zet v konkr\u00e9tn\u00ed den v m\u011bs\u00edci, kter\u00fd si nav\u00edc standardn\u011b m\u016f\u017eete nastavit podle sv\u00fdch preferenc\u00ed. O nic dal\u0161\u00edho \u2013\u2060 tedy krom\u011b toho, abyste na \u00fa\u010dtu m\u011bli dostatek pen\u011bz \u2013\u2060 se nemus\u00edte starat. Slou\u010den\u00ed \u00fav\u011br\u016f v\u00e1s tak\u00e9 m\u016f\u017ee zbavit r\u016fzn\u00fdch poplatk\u016f, kter\u00e9 se vztahovaly k p\u0159edchoz\u00edm p\u016fj\u010dk\u00e1m. A pokud nechcete fyzicky obch\u00e1zet jednotliv\u00e9 banky, m\u016f\u017eete si konsolidaci p\u016fj\u010dek sjednat online z pohodl\u00ed domova.<\/p>\n\n\n\n

Umo\u017en\u00ed v\u00e1m z\u00edskat pen\u00edze nav\u00edc<\/strong><\/h3>\n\n\n\n

Pokud konsoliduj\u00edc\u00ed banka vyhodnot\u00ed, \u017ee m\u00e1te zdrav\u00e9 \u00fav\u011brov\u00e9 sk\u00f3re<\/a>, nab\u00eddne v\u00e1m k nov\u00e9 p\u016fj\u010dce mo\u017enost na\u010derpat pen\u00edze nav\u00edc<\/strong>. To je sice mil\u00e9, ale pokud jste po konsolidaci s\u00e1hli kv\u016fli tomu, \u017ee spl\u00e1tky \u00fav\u011br\u016f zat\u011b\u017eovaly v\u00e1\u0161 rozpo\u010det, rad\u011bji si zadlu\u017eov\u00e1n\u00ed nad r\u00e1mec p\u016fvodn\u00edch z\u00e1vazk\u016f dob\u0159e rozmyslete. <\/p>\n\n\n

TIP!<\/div>
Pen\u00edze nav\u00edc bez zadlu\u017eov\u00e1n\u00ed? Vyzkou\u0161ejte bezpe\u010dnou odlo\u017eenou platbu.<\/a><\/b><\/div><\/div>\n\n\n\n

A na co byste si m\u011bli d\u00e1t pozor?<\/strong><\/h2>\n\n\n\n

Del\u0161\u00ed doba spl\u00e1cen\u00ed m\u016f\u017ee \u00fav\u011br prodra\u017eit<\/strong><\/h3>\n\n\n\n

U konsolidace si (stejn\u011b jako u klasick\u00e9 p\u016fj\u010dky) sami nastav\u00edte, jak dlouho chcete \u00fav\u011br spl\u00e1cet. A samoz\u0159ejm\u011b plat\u00ed, \u017ee \u010d\u00edm del\u0161\u00ed je doba spl\u00e1cen\u00ed, t\u00edm v\u00edce poskytovateli zaplat\u00edte na \u00faroc\u00edch<\/strong>. Je sice l\u00e1kav\u00e9 platit t\u0159eba \u201ejen\u201c 500 korun m\u011bs\u00ed\u010dn\u011b, ale pokud tuto \u010d\u00e1stku budete spl\u00e1cet 120 m\u011bs\u00edc\u016f, logicky se t\u00edm nav\u00fd\u0161\u00ed hodnota cel\u00e9ho \u00fav\u011bru. Proto v\u017edy sledujte celkovou \u010d\u00e1stku, kterou bance b\u011bhem let zaplat\u00edte. A pokud m\u016f\u017eete, sna\u017ete se dobu spl\u00e1cen\u00ed co nejv\u00edce zkr\u00e1tit.<\/p>\n\n\n\n

\"Konsolidace
Ne\u017e podep\u00ed\u0161ete smlouvu, dob\u0159e po\u010d\u00edtejte.<\/figcaption><\/figure>\n\n\n\n

P\u016fvodn\u00ed p\u016fj\u010dka m\u00e1 n\u00edzk\u00e9 \u00faroky<\/strong><\/h3>\n\n\n\n

Je nov\u00e1 \u00farokov\u00e1 sazba m\u00e9n\u011b v\u00fdhodn\u00e1 <\/strong>ne\u017e ta u p\u016fj\u010dek, kter\u00e9 se chyst\u00e1te slou\u010dit? I to se m\u016f\u017ee st\u00e1t. Typick\u00fdm p\u0159\u00edkladem m\u016f\u017ee b\u00fdt nap\u0159\u00edklad star\u0161\u00ed studentsk\u00fd \u00fav\u011br, s n\u00edm\u017e se obvykle poj\u00ed n\u00edzk\u00e9 \u00faroky<\/a>. V takov\u00e9m p\u0159\u00edpad\u011b se budete muset rozhodnout, jestli je pro v\u00e1s d\u016fle\u017eit\u011bj\u0161\u00ed zachovat v\u00fdhodn\u00e9 podm\u00ednky \u00fav\u011bru, nebo slou\u010dit sv\u00e9 finan\u010dn\u00ed z\u00e1vazky do jedn\u00e9 v\u011bt\u0161\u00ed p\u016fj\u010dky.<\/p>\n\n\n\n

P\u0159\u00edsn\u00e9 podm\u00ednky pro z\u00edsk\u00e1n\u00ed v\u00fdhod<\/strong><\/h3>\n\n\n\n

Aby banky z\u00edskaly nov\u00e9 klienty, \u010dasto ke sv\u00fdm produkt\u016fm nab\u00edzej\u00ed odpu\u0161t\u011bn\u00ed n\u011bkolika spl\u00e1tek nebo r\u016fzn\u00e9 odm\u011bny za v\u010dasn\u00e9 spl\u00e1cen\u00ed<\/strong>. A to plat\u00ed i pro konsolidace p\u016fj\u010dek<\/a>. Abyste na podobn\u00e9 benefity dos\u00e1hli, mus\u00edte zpravidla m\u00edt bezchybnou platebn\u00ed mor\u00e1lku a b\u011bhem spl\u00e1cen\u00ed se nedopustit \u017e\u00e1dn\u00e9ho klop\u00fdtnut\u00ed. Ale aspo\u0148 budete m\u00edt motivaci k tomu spl\u00e1cet sv\u00e9 z\u00e1vazky d\u016fsledn\u011b a v\u010das.<\/p>\n\n\n

TIP!<\/div>
Vyplat\u00ed se v\u00e1m slou\u010den\u00ed \u00fav\u011br\u016f? To rychle zjist\u00edte na port\u00e1lu U\u0161et\u0159eno.cz.<\/b> Do kalkula\u010dky konsolidac\u00ed<\/a><\/b> sta\u010d\u00ed zadat p\u00e1r z\u00e1kladn\u00edch \u00fadaj\u016f a obratem budete m\u00edt jasno. <\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

Kdy\u017e si \u010dlov\u011bk bere p\u016fj\u010dku, obvykle si p\u0159edem propo\u010d\u00edt\u00e1, do jak\u00e9 m\u00edry spl\u00e1tky zas\u00e1hnou jeho rozpo\u010det. Jen\u017ee kdy\u017e k jednomu \u00fav\u011bru p\u0159ibude dal\u0161\u00ed a pak t\u0159eba je\u0161t\u011b kreditn\u00ed karta nebo kontokorent, m\u016f\u017ee v\u00fdsledn\u00e1 \u010d\u00e1stka zam\u00e1vat bankovn\u00edm \u00fa\u010dtem. Jak z takov\u00e9 situace ven? \u0158e\u0161en\u00edm m\u016f\u017ee b\u00fdt konsolidace \u00fav\u011br\u016f.<\/p>\n","protected":false},"author":6,"featured_media":1946,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[17,23],"class_list":["post-1947","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-odlozena-platba","tag-pujcka","entry"],"acf":[],"yoast_head":"\nNi\u017e\u0161\u00ed spl\u00e1tky i p\u0159ehled ve financ\u00edch. Kdy se vyplat\u00ed konsolidace p\u016fj\u010dek? | Skip Pay<\/title>\n<meta name=\"description\" content=\"Slou\u010den\u00edm p\u016fj\u010dek neboli konsolidac\u00ed \u00fav\u011bru m\u016f\u017eete v\u00fdrazn\u011b u\u0161et\u0159it. \ud83d\udcb0 Zjist\u011bte online, jestli se konsolidace vyplat\u00ed i v\u00e1m.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skippay.cz\/blog\/usetrete-diky-konsolidaci-pujcek-vime-jak-na-to\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ni\u017e\u0161\u00ed spl\u00e1tky i p\u0159ehled ve financ\u00edch. 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