{"id":4618,"date":"2021-11-10T08:15:00","date_gmt":"2021-11-10T07:15:00","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=4618"},"modified":"2025-10-30T13:26:51","modified_gmt":"2025-10-30T12:26:51","slug":"odklad-splatek-kdy-ho-vyuzit","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/odklad-splatek-kdy-ho-vyuzit\/","title":{"rendered":"Odklad spl\u00e1tek si dob\u0159e rozmyslete. Kdy m\u00e1 smysl ho vyu\u017e\u00edt?"},"content":{"rendered":"\n

Odklad spl\u00e1tek je nouzov\u00e9 \u0159e\u0161en\u00ed<\/strong><\/h2>\n\n\n\n

Odlo\u017een\u00ed spl\u00e1tek p\u016fj\u010dky<\/a> nebo hypot\u00e9ky<\/a> p\u0159edstavuje z\u00e1chranu pro p\u0159\u00edpad, \u017ee v\u00e1s ne\u010dekan\u011b p\u0159ekvap\u00ed v\u00fdpadek p\u0159\u00edjm\u016f. Proto k n\u011bmu p\u0159istupte a\u017e ve chv\u00edli, kdy opravdu nejste schopni naj\u00edt jin\u00e9 \u0159e\u0161en\u00ed, jak z pot\u00ed\u017e\u00ed vybruslit. Jak zjist\u00edte n\u00ed\u017ee, odklad spl\u00e1tek se neobejde bez n\u00e1sledk\u016f<\/strong>, a proto v\u017edy zva\u017ete, jestli je opravdu nevyhnuteln\u00fd.<\/p>\n\n\n\n

Pokud o odkladu spl\u00e1tek uva\u017eujete proto, \u017ee by se v\u00e1m hodilo v\u00edce pen\u011bz na\u00a0dovolenou nebo t\u0159eba n\u00e1kup v\u00e1no\u010dn\u00edch d\u00e1rk\u016f, rad\u0161i na\u00a0n\u011bj rovnou zapome\u0148te<\/strong>. Rad\u011bji sesekejte sv\u00e9 v\u00fddaje<\/a> a\u00a0po\u0159izov\u00e1n\u00ed v\u011bc\u00ed, bez kter\u00fdch se obejdete, odlo\u017ete na\u00a0pozd\u011bji. P\u016fj\u010dka<\/a> nebo hypot\u00e9ka<\/a> je z\u00e1vazek, se kter\u00fdm je t\u0159eba v\u017edy po\u010d\u00edtat, tak\u00a0\u2013\u00a0pokud to nen\u00ed nutn\u00e9\u00a0\u2013\u00a0nehledejte jednoduch\u00e1 \u0159e\u0161en\u00ed, jak se z\u00a0t\u00e9to povinnosti vyvl\u00e9knout.<\/p>\n\n\n\n

TIP!<\/div>
Kryjte si z\u00e1da. S poji\u0161t\u011bn\u00edm schopnosti spl\u00e1cet<\/a><\/b> v\u00e1s nebude d\u011bsit nejistota.<\/b><\/div><\/div>\n\n\n\n

Banka v\u00e1m nemus\u00ed vyj\u00edt vst\u0159\u00edc<\/strong><\/h2>\n\n\n\n

Jestli\u017ee banku nebo nebankovn\u00ed spole\u010dnost kontaktujete s \u017e\u00e1dost\u00ed o odlo\u017een\u00ed spl\u00e1tek, po\u010d\u00edtejte s t\u00edm, \u017ee nic nen\u00ed jist\u00e9. Banka toti\u017e nem\u00e1 povinnost v\u00e1m vyhov\u011bt<\/strong>. Pokud v\u00e1s ale k \u017e\u00e1dosti vede kr\u00e1tkodob\u00fd nedostatek pen\u011bz, je pravd\u011bpodobn\u00e9, \u017ee v\u00e1s poskytovatel \u00fav\u011bru podr\u017e\u00ed a odlo\u017een\u00ed spl\u00e1tek v\u00e1m umo\u017en\u00ed. Je i v jej\u00edm z\u00e1jmu, abyste se dostali do lep\u0161\u00ed finan\u010dn\u00ed kondice a mohli jste po p\u0159eru\u0161en\u00ed pokra\u010dovat ve spl\u00e1cen\u00ed.<\/p>\n\n\n

TIP!<\/div>
U n\u00e1s nen\u00ed odklad spl\u00e1tky \u017e\u00e1dn\u00fd probl\u00e9m. Naopak! D\u00edky bal\u00ed\u010dku MAXI<\/a> si za f\u00e9rov\u00fd a p\u0159edem jasn\u00fd poplatek snadno posunete a\u017e 90 % cel\u00e9 m\u011bs\u00ed\u010dn\u00ed \u00fatraty<\/b>. Na p\u00e1r kliknut\u00ed a bez negativn\u00edho z\u00e1znamu v registru. Tak vyb\u00edrejte srdcem a pla\u0165te hlavou. \u2764\ufe0f \ud83e\udde0<\/div><\/div>\n\n\n\n

D\u016fle\u017eit\u00e9 je, abyste se na banku obr\u00e1tili v\u010das<\/strong>, ne a\u017e ve chv\u00edli, kdy se s placen\u00edm dostanete do prodlen\u00ed. Uk\u00e1\u017eete t\u00edm, \u017ee se sna\u017e\u00edte probl\u00e9m\u016fm p\u0159edch\u00e1zet a nehas\u00edte je, a\u017e kdy\u017e v\u00e1m za\u010dne t\u00e9ct do bot. Podm\u00ednky pro odklad spl\u00e1tek se nap\u0159\u00ed\u010d bankovn\u00edm trhem li\u0161\u00ed. Maxim\u00e1ln\u00ed doba odlo\u017een\u00ed ale obvykle b\u00fdv\u00e1 6 m\u011bs\u00edc\u016f.<\/p>\n\n\n\n

P\u0159ipravte se na negativn\u00ed z\u00e1pis v registru<\/strong><\/h2>\n\n\n\n

Odklad spl\u00e1tek hypot\u00e9ky nebo spot\u0159ebitelsk\u00e9ho \u00fav\u011bru v drtiv\u00e9 v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f znamen\u00e1 negativn\u00ed z\u00e1znam do registru dlu\u017en\u00edk\u016f<\/strong>. Banka tak d\u00e1v\u00e1 ostatn\u00edm potenci\u00e1ln\u00edm v\u011b\u0159itel\u016fm v\u011bd\u011bt, \u017ee jste se dostali do situace, kdy jste m\u011bli pot\u00ed\u017ee se spl\u00e1cen\u00edm. M\u016f\u017ee se to zd\u00e1t trochu nef\u00e9r, proto\u017ee se tak za\u0159ad\u00edte k lidem, kte\u0159\u00ed sv\u00e9 z\u00e1vazky prost\u011b ignoruj\u00ed, ale registr zkr\u00e1tka slou\u017e\u00ed jako zrcadlo va\u0161\u00ed platebn\u00ed mor\u00e1lky.<\/p>\n\n\n

\"A\u017e<\/a><\/figure>\n
\"A\u017e<\/a><\/figure>\n\n\n

I kdy\u017e se pozd\u011bji ke spl\u00e1cen\u00ed op\u011bt vr\u00e1t\u00edte podle pravidel nastaven\u00fdch bankou, \u201e\u010dern\u00fd punt\u00edk\u201c v\u00e1m n\u011bjak\u00fd \u010das z\u016fstane<\/strong>. A m\u016f\u017ee v\u00e1m v budoucnu zkomplikovat \u017e\u00e1dost o dal\u0161\u00ed finan\u010dn\u00ed produkt. I proto je dobr\u00e9 si rozmyslet, jestli v\u00e1m odklad spl\u00e1tek stoj\u00ed za to. V\u00fdjimkou bylo pouze obdob\u00ed koronavirov\u00e9 pandemie, kdy kv\u016fli mimo\u0159\u00e1dn\u00e9 situaci vznikl v registrech NRKI a BRKI pro odlo\u017een\u00ed spl\u00e1tek speci\u00e1ln\u00ed p\u0159\u00edznak.<\/p>\n\n\n\n

\"Odklad
Odlo\u017een\u00ed spl\u00e1tek znamen\u00e1 negativn\u00ed z\u00e1znam v \u00fav\u011brov\u00e9m registru.<\/figcaption><\/figure>\n\n\n\n

Placen\u00ed se nevyhnete<\/strong><\/h2>\n\n\n\n

P\u0159edev\u0161\u00edm v p\u0159\u00edpad\u011b hypot\u00e9ky odklad spl\u00e1tek neznamen\u00e1, \u017ee na sv\u016fj z\u00e1vazek m\u016f\u017eete na p\u00e1r m\u011bs\u00edc\u016f zapomenout. Banka v\u00e1m toti\u017e umo\u017en\u00ed odlo\u017eit si spl\u00e1tku jistiny, tedy vyp\u016fj\u010den\u00e9 \u010d\u00e1stky, ale \u00faroky budete i nad\u00e1le platit<\/strong>. M\u011bs\u00ed\u010dn\u00ed spl\u00e1tka se v\u00e1m tedy sn\u00ed\u017e\u00ed, ale spl\u00e1cen\u00ed se \u00fapln\u011b nevyhnete. A odklad spl\u00e1tek v\u00e1m prodlou\u017e\u00ed celkovou dobu spl\u00e1cen\u00ed hypote\u010dn\u00edho \u00fav\u011bru.<\/p>\n\n\n\n

V d\u016fsledku tak na \u00faroc\u00edch zaplat\u00edte v\u00edce<\/strong>, ne\u017e kdybyste se bez p\u0159eru\u0161en\u00ed \u0159\u00eddili p\u016fvodn\u00edm spl\u00e1tkov\u00fdm kalend\u00e1\u0159em. I to je argument, pro\u010d byste k odlo\u017een\u00ed spl\u00e1tek m\u011bli p\u0159istoupit pouze v situaci, kdy je to naprosto nezbytn\u00e9. Banka v\u00e1m nav\u00edc \u010dasto povol\u00ed jen jeden odklad za celou dobu spl\u00e1cen\u00ed, a proto si tuto mo\u017enost rad\u0161i zachovejte pro p\u0159\u00edpad nejv\u011bt\u0161\u00ed nouze.<\/p>\n","protected":false},"excerpt":{"rendered":"

Mo\u017enost odlo\u017eit si spl\u00e1tky p\u016fj\u010dky nebo hypot\u00e9ky zn\u00ed l\u00e1kav\u011b. \u017d\u00e1dn\u00e9 placen\u00ed, \u017e\u00e1dn\u00e9 starosti, aspo\u0148 na p\u00e1r m\u011bs\u00edc\u016f. Jen\u017ee s odkladem spl\u00e1tek to nen\u00ed tak jednoduch\u00e9, a pokud se pro n\u011bj rozhodnete, m\u011bli byste v\u011bd\u011bt, co pro v\u00e1s spl\u00e1tkov\u00e9 pr\u00e1zdniny v praxi znamenaj\u00ed. My jsme to zjistili za v\u00e1s.<\/p>\n","protected":false},"author":6,"featured_media":4614,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[118],"class_list":["post-4618","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-uver","entry"],"acf":[],"yoast_head":"\nOdklad spl\u00e1tek si dob\u0159e rozmyslete. 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