{"id":7037,"date":"2023-02-22T09:24:03","date_gmt":"2023-02-22T08:24:03","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=7037"},"modified":"2025-10-30T13:48:37","modified_gmt":"2025-10-30T12:48:37","slug":"jak-vybrat-pujcku","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/jak-vybrat-pujcku\/","title":{"rendered":"Pot\u0159ebujete p\u016fj\u010dku? Porad\u00edme v\u00e1m, jak vybrat tu nejlevn\u011bj\u0161\u00ed"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Jak vybrat p\u016fj\u010dku<\/h2>\n\n\n\n<p>P\u0159i v\u00fdb\u011bru <a href=\"https:\/\/skippay.cz\/blog\/jak-vybrat-vyhodny-spotrebitelsky-uver\/\">p\u016fj\u010dky<\/a> si ujasn\u011bte, na co v\u0161echno pen\u00edze vyu\u017eijete a kolik jich pot\u0159ebujete. Jin\u00e1 p\u016fj\u010dka je vhodn\u00e1 na n\u00e1kup auta, jin\u00e1 na rekonstrukci a jin\u00e1 na n\u00e1hradu rozbit\u00e9 pra\u010dky. Od v\u00fd\u0161e p\u016fj\u010dky se odv\u00edj\u00ed, kolik nav\u00edc zaplat\u00edte na \u00faroc\u00edch.<\/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: Pokud p\u0159esn\u011b v\u00edte, na co pen\u00edze vyu\u017eijete, za\u017e\u00e1dejte si o \u00fa\u010delovou p\u016fj\u010dku. Banka bezpe\u010dn\u011b p\u0159evede p\u016fj\u010den\u00e9 pen\u00edze rovnou na \u00fa\u010det prodejce, nap\u0159\u00edklad autosalonu. Tyto p\u016fj\u010dky maj\u00ed zv\u00fdhodn\u011bn\u00e9 \u00farokov\u00e9 sazby, a proto za n\u011b zaplat\u00edte m\u00e9n\u011b.<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">O co se p\u0159i v\u00fdb\u011bru p\u016fj\u010dky zaj\u00edmat<\/h2>\n\n\n\n<p>P\u0159i v\u00fdb\u011bru p\u016fj\u010dky je nejd\u016fle\u017eit\u011bj\u0161\u00edm ukazatelem <a href=\"https:\/\/skippay.cz\/blog\/jak-vybrat-vyhodny-spotrebitelsky-uver\/\">RPSN<\/a> (ro\u010dn\u00ed procentu\u00e1ln\u00ed sazba n\u00e1klad\u016f). Ukazuje toti\u017e, kolik za p\u016fj\u010dku opravdu zaplat\u00edte. Zahrnuje nejen \u00farokovou sazbu, ale v\u0161echny poplatky spojen\u00e9 s p\u016fj\u010dkou (za veden\u00ed \u00fa\u010dtu, uzav\u0159en\u00ed smlouvy, vy\u0159\u00edzen\u00ed \u017e\u00e1dosti atd.). \u010c\u00edm ni\u017e\u0161\u00ed je RPSN, t\u00edm je p\u016fj\u010dka v\u00fdhodn\u011bj\u0161\u00ed.<\/p>\n\n\n\n<p><strong>Sledujte i ostatn\u00ed d\u016fle\u017eit\u00e9 parametry:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ujasn\u011bte si v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek a dobu spl\u00e1cen\u00ed. Budete tak p\u0159esn\u011b v\u011bd\u011bt, kolik pen\u011bz a na jak dlouho mus\u00edte odkrojit ze sv\u00e9ho rozpo\u010dtu.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ov\u011b\u0159te, jestli je sou\u010d\u00e1st\u00ed p\u016fj\u010dky i poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet a mo\u017enost odlo\u017een\u00ed spl\u00e1tek. To v\u00e1m pom\u016f\u017ee z\u016fstat v klidu v p\u0159\u00edpad\u011b nenad\u00e1l\u00e9 \u017eivotn\u00ed ud\u00e1losti.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>N\u011bkter\u00e9 banky poskytuj\u00ed bonusy za uzav\u0159en\u00ed smlouvy, v\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru nebo <a href=\"https:\/\/skippay.cz\/pujcka\">mimo\u0159\u00e1dn\u00e9 splacen\u00ed zdarma<\/a>. D\u00edky tomu nezaplat\u00edte v\u00edc, ne\u017e je nutn\u00e9.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>V p\u0159\u00edpad\u011b \u00fa\u010delov\u00e9 p\u016fj\u010dky zjist\u011bte, jak budete dokl\u00e1dat jej\u00ed \u010derp\u00e1n\u00ed. Vyhnete se tak stresu zp\u016fsoben\u00e9m chyb\u011bj\u00edc\u00edmi fakturami.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pokud sjedn\u00e1v\u00e1te p\u016fj\u010dku p\u0159es internet nebo finan\u010dn\u00edho poradce, zjist\u011bte si, kde je nejbli\u017e\u0161\u00ed pobo\u010dka poskytovatele p\u016fj\u010dky. Ne v\u0161echno toti\u017e vy\u0159e\u0161\u00edte p\u0159es internet.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>P\u0159e\u010dt\u011bte si pozorn\u011b smluvn\u00ed podm\u00ednky a zeptejte se, pokud je v\u00e1m n\u011bco nejasn\u00e9. Budete tak p\u0159esn\u011b v\u011bd\u011bt, k \u010demu se zavazujete a co se od v\u00e1s o\u010dek\u00e1v\u00e1.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Zjist\u011bte si reference na poskytovatele p\u016fj\u010dky a sjednejte si ji jen u toho ov\u011b\u0159en\u00e9ho. Nemus\u00edte se tak b\u00e1t, \u017ee nalet\u00edte.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/02\/smlouva.jpg\" alt=\"Smlouva k p\u016fj\u010dce.\" class=\"wp-image-7038\" srcset=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/02\/smlouva.jpg 768w, https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/02\/smlouva-300x200.jpg 300w, https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/02\/smlouva-150x100.jpg 150w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><figcaption class=\"wp-element-caption\"><em>Smlouvu si p\u0159ed podpisem po\u0159\u00e1dn\u011b p\u0159e\u010dt\u011bte.<\/em><\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Od koho si p\u016fj\u010dit<\/h2>\n\n\n\n<p>Pen\u00edze si m\u016f\u017eete p\u016fj\u010dit od banky, nebo od nebankovn\u00ed instituce.<\/p>\n\n\n\n<p><strong>Bankovn\u00ed p\u016fj\u010dka<\/strong><\/p>\n\n\n\n<p>P\u0159ednost\u00ed bank je jejich spolehlivost a ni\u017e\u0161\u00ed \u00faroky. Banka p\u016fj\u010d\u00ed jen tomu, u koho je pravd\u011bpodobn\u00e9, \u017ee pen\u00edze opravdu splat\u00ed. Proto si v\u00e1s po\u0159\u00e1dn\u011b proklepne. Schv\u00e1len\u00ed p\u016fj\u010dky tak chv\u00edli trv\u00e1.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>PRO\u010c SE NEJD\u0158\u00cdV ZEPTAT U SV\u00c9 BANKY?<br>Podm\u00ednky p\u016fj\u010dky nejd\u0159\u00edve zjist\u011bte u banky, u kter\u00e9 m\u00e1te b\u011b\u017en\u00fd \u00fa\u010det. Sv\u00fdm klient\u016fm toti\u017e m\u016f\u017ee banka poskytovat v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddky.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Nebankovn\u00ed p\u016fj\u010dka<\/strong><\/p>\n\n\n\n<p>Ne ka\u017ed\u00e1 nebankovn\u00ed instituce je solidn\u00ed. V\u00fdhodou je, \u017ee v\u00e1m pen\u00edze daj\u00ed rychle bez nutnosti prokazov\u00e1n\u00ed va\u0161ich p\u0159\u00edjm\u016f a p\u0159\u00edpadn\u00fdch dluh\u016f. Za tento typ p\u016fj\u010dky ale obvykle zaplat\u00edte mnohem v\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: Ne na v\u0161echny nenad\u00e1l\u00e9 <a href=\"https:\/\/skippay.cz\/blog\/jak-vybrat-vyhodny-spotrebitelsky-uver\/\">v\u00fddaje<\/a> je pot\u0159eba si sjedn\u00e1vat p\u016fj\u010dku. Vybuchla v\u00e1m ledni\u010dka t\u011bsn\u011b p\u0159ed v\u00fdplatou? Vyu\u017eijte <b><a href=\"https:\/\/skippay.cz\/platba-skip-pay\">odlo\u017eenou platbu se Skip Pay<\/a><\/b> a zapla\u0165te a\u017e p\u0159\u00ed\u0161t\u00ed m\u011bs\u00edc. Pat\u0159\u00edme pod \u010cSOB, tak\u017ee u n\u00e1s m\u00e1te jistotu, \u017ee hrajeme f\u00e9r.<\/div><\/div>\n\n\n\n<p>Nakolik se od sebe li\u0161\u00ed ceny bankovn\u00edch a nebankovn\u00edch p\u016fj\u010dek, snadno zjist\u00edte <a href=\"https:\/\/www.finbino.com\/cz\/pujcky\">v jejich online srovn\u00e1n\u00ed<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pokud se v\u00e1m rozbila pra\u010dka, va\u0161e auto nepro\u0161lo technickou nebo pot\u0159ebujete pen\u00edze na rekonstrukci bytu, nedostatek prost\u0159edk\u016f m\u016f\u017eete vy\u0159e\u0161it p\u016fj\u010dkou. Porad\u00edme v\u00e1m, jak p\u016fj\u010dku vybrat, abyste nenalet\u011bli a nezaplatili v\u00edce, ne\u017e je nutn\u00e9.<\/p>\n","protected":false},"author":30,"featured_media":7041,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[35,158,157,2304,2359,24],"class_list":["post-7037","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-uspory","tag-bezpecnost","tag-financni-gramotnost","tag-finance","tag-pujcky","tag-tipy-triky","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pot\u0159ebujete p\u016fj\u010dku? Porad\u00edme, jak vybrat tu nejlevn\u011bj\u0161\u00ed I Skip Pay<\/title>\n<meta name=\"description\" content=\"Jak vybrat p\u016fj\u010dku, abyste nenalet\u011bli a nezaplatili tak v\u00edce, ne\u017e je nutn\u00e9? Sledujte d\u016fle\u017eit\u00e9 parametry p\u016fj\u010dky. P\u0159e\u010dt\u011bte si, kter\u00e9 to jsou.\" \/>\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\/jak-vybrat-pujcku\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pot\u0159ebujete p\u016fj\u010dku? Porad\u00edme, jak vybrat tu nejlevn\u011bj\u0161\u00ed I Skip Pay\" \/>\n<meta property=\"og:description\" content=\"Jak vybrat p\u016fj\u010dku, abyste nenalet\u011bli a nezaplatili tak v\u00edce, ne\u017e je nutn\u00e9? Sledujte d\u016fle\u017eit\u00e9 parametry p\u016fj\u010dky. P\u0159e\u010dt\u011bte si, kter\u00e9 to jsou.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skippay.cz\/blog\/jak-vybrat-pujcku\/\" \/>\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=\"2023-02-22T08:24:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-30T12:48:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/02\/jak-vybrat-pujcku.jpg\" \/>\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\/jpeg\" \/>\n<meta name=\"author\" content=\"Daniela Van\u011b\u010dkov\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=\"Daniela Van\u011b\u010dkov\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\\\/jak-vybrat-pujcku\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-vybrat-pujcku\\\/\"},\"author\":{\"name\":\"Daniela Van\u011b\u010dkov\u00e1\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/461ebc779ae758fe58b12ae07dd1c777\"},\"headline\":\"Pot\u0159ebujete p\u016fj\u010dku? Porad\u00edme v\u00e1m, jak vybrat tu nejlevn\u011bj\u0161\u00ed\",\"datePublished\":\"2023-02-22T08:24:03+00:00\",\"dateModified\":\"2025-10-30T12:48:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-vybrat-pujcku\\\/\"},\"wordCount\":727,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-vybrat-pujcku\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/jak-vybrat-pujcku.jpg\",\"keywords\":[\"\u00daspory\",\"Bezpe\u010dnost\",\"Finan\u010dn\u00ed gramotnost\",\"Finance\",\"P\u016fj\u010dky\",\"Tipy &amp; Triky\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-vybrat-pujcku\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-vybrat-pujcku\\\/\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-vybrat-pujcku\\\/\",\"name\":\"Pot\u0159ebujete p\u016fj\u010dku? Porad\u00edme, jak vybrat tu nejlevn\u011bj\u0161\u00ed I Skip Pay\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-vybrat-pujcku\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-vybrat-pujcku\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/jak-vybrat-pujcku.jpg\",\"datePublished\":\"2023-02-22T08:24:03+00:00\",\"dateModified\":\"2025-10-30T12:48:37+00:00\",\"description\":\"Jak vybrat p\u016fj\u010dku, abyste nenalet\u011bli a nezaplatili tak v\u00edce, ne\u017e je nutn\u00e9? Sledujte d\u016fle\u017eit\u00e9 parametry p\u016fj\u010dky. P\u0159e\u010dt\u011bte si, kter\u00e9 to jsou.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-vybrat-pujcku\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-vybrat-pujcku\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-vybrat-pujcku\\\/#primaryimage\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/jak-vybrat-pujcku.jpg\",\"contentUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/jak-vybrat-pujcku.jpg\",\"width\":1568,\"height\":706,\"caption\":\"Porad\u00edme v\u00e1m, jak vybrat p\u016fj\u010dku, abyste nenalet\u011bli a nezaplatili tak v\u00edce, ne\u017e je nutn\u00e9.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-vybrat-pujcku\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Pot\u0159ebujete p\u016fj\u010dku? Porad\u00edme v\u00e1m, jak vybrat tu nejlevn\u011bj\u0161\u00ed\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/\",\"name\":\"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#organization\",\"name\":\"Skip Pay\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/11\\\/Logo-MALL_1200x440.png\",\"contentUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/11\\\/Logo-MALL_1200x440.png\",\"width\":1200,\"height\":440,\"caption\":\"Skip Pay\"},\"image\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/461ebc779ae758fe58b12ae07dd1c777\",\"name\":\"Daniela Van\u011b\u010dkov\u00e1\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/649ecf6d40a3ce0fd302bdbb4be2cbd9192e45048725d5376ec3d2903c6c391d?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/649ecf6d40a3ce0fd302bdbb4be2cbd9192e45048725d5376ec3d2903c6c391d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/649ecf6d40a3ce0fd302bdbb4be2cbd9192e45048725d5376ec3d2903c6c391d?s=96&d=mm&r=g\",\"caption\":\"Daniela Van\u011b\u010dkov\u00e1\"},\"description\":\"Autorka ti\u0161t\u011bn\u00fdch i elektronick\u00fdch knih, kterou bav\u00ed posouvat vlastn\u00ed hranice, a vystudovan\u00e1 ekonomka, kter\u00e1 pro v\u00e1s p\u0159ipravuje \u010dl\u00e1nky ze sv\u011bta financ\u00ed. P\u00ed\u0161e po\u0159\u00e1d. Prsty j\u00ed b\u011bhaj\u00ed po kl\u00e1vesnici v pracovn\u00edm i voln\u00e9m \u010dase.\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/author\\\/dani-vaneckova\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Pot\u0159ebujete p\u016fj\u010dku? Porad\u00edme, jak vybrat tu nejlevn\u011bj\u0161\u00ed I Skip Pay","description":"Jak vybrat p\u016fj\u010dku, abyste nenalet\u011bli a nezaplatili tak v\u00edce, ne\u017e je nutn\u00e9? Sledujte d\u016fle\u017eit\u00e9 parametry p\u016fj\u010dky. P\u0159e\u010dt\u011bte si, kter\u00e9 to jsou.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/skippay.cz\/blog\/jak-vybrat-pujcku\/","og_locale":"en_US","og_type":"article","og_title":"Pot\u0159ebujete p\u016fj\u010dku? Porad\u00edme, jak vybrat tu nejlevn\u011bj\u0161\u00ed I Skip Pay","og_description":"Jak vybrat p\u016fj\u010dku, abyste nenalet\u011bli a nezaplatili tak v\u00edce, ne\u017e je nutn\u00e9? Sledujte d\u016fle\u017eit\u00e9 parametry p\u016fj\u010dky. P\u0159e\u010dt\u011bte si, kter\u00e9 to jsou.","og_url":"https:\/\/skippay.cz\/blog\/jak-vybrat-pujcku\/","og_site_name":"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz","article_published_time":"2023-02-22T08:24:03+00:00","article_modified_time":"2025-10-30T12:48:37+00:00","og_image":[{"width":1568,"height":706,"url":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/02\/jak-vybrat-pujcku.jpg","type":"image\/jpeg"}],"author":"Daniela Van\u011b\u010dkov\u00e1","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Daniela Van\u011b\u010dkov\u00e1","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/skippay.cz\/blog\/jak-vybrat-pujcku\/#article","isPartOf":{"@id":"https:\/\/skippay.cz\/blog\/jak-vybrat-pujcku\/"},"author":{"name":"Daniela Van\u011b\u010dkov\u00e1","@id":"https:\/\/skippay.cz\/blog\/#\/schema\/person\/461ebc779ae758fe58b12ae07dd1c777"},"headline":"Pot\u0159ebujete p\u016fj\u010dku? Porad\u00edme v\u00e1m, jak vybrat tu nejlevn\u011bj\u0161\u00ed","datePublished":"2023-02-22T08:24:03+00:00","dateModified":"2025-10-30T12:48:37+00:00","mainEntityOfPage":{"@id":"https:\/\/skippay.cz\/blog\/jak-vybrat-pujcku\/"},"wordCount":727,"commentCount":0,"publisher":{"@id":"https:\/\/skippay.cz\/blog\/#organization"},"image":{"@id":"https:\/\/skippay.cz\/blog\/jak-vybrat-pujcku\/#primaryimage"},"thumbnailUrl":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/02\/jak-vybrat-pujcku.jpg","keywords":["\u00daspory","Bezpe\u010dnost","Finan\u010dn\u00ed gramotnost","Finance","P\u016fj\u010dky","Tipy &amp; Triky"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/skippay.cz\/blog\/jak-vybrat-pujcku\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/skippay.cz\/blog\/jak-vybrat-pujcku\/","url":"https:\/\/skippay.cz\/blog\/jak-vybrat-pujcku\/","name":"Pot\u0159ebujete p\u016fj\u010dku? Porad\u00edme, jak vybrat tu nejlevn\u011bj\u0161\u00ed I Skip Pay","isPartOf":{"@id":"https:\/\/skippay.cz\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/skippay.cz\/blog\/jak-vybrat-pujcku\/#primaryimage"},"image":{"@id":"https:\/\/skippay.cz\/blog\/jak-vybrat-pujcku\/#primaryimage"},"thumbnailUrl":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/02\/jak-vybrat-pujcku.jpg","datePublished":"2023-02-22T08:24:03+00:00","dateModified":"2025-10-30T12:48:37+00:00","description":"Jak vybrat p\u016fj\u010dku, abyste nenalet\u011bli a nezaplatili tak v\u00edce, ne\u017e je nutn\u00e9? Sledujte d\u016fle\u017eit\u00e9 parametry p\u016fj\u010dky. P\u0159e\u010dt\u011bte si, kter\u00e9 to jsou.","breadcrumb":{"@id":"https:\/\/skippay.cz\/blog\/jak-vybrat-pujcku\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/skippay.cz\/blog\/jak-vybrat-pujcku\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/skippay.cz\/blog\/jak-vybrat-pujcku\/#primaryimage","url":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/02\/jak-vybrat-pujcku.jpg","contentUrl":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/02\/jak-vybrat-pujcku.jpg","width":1568,"height":706,"caption":"Porad\u00edme v\u00e1m, jak vybrat p\u016fj\u010dku, abyste nenalet\u011bli a nezaplatili tak v\u00edce, ne\u017e je nutn\u00e9."},{"@type":"BreadcrumbList","@id":"https:\/\/skippay.cz\/blog\/jak-vybrat-pujcku\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/skippay.cz\/blog\/"},{"@type":"ListItem","position":2,"name":"Pot\u0159ebujete p\u016fj\u010dku? Porad\u00edme v\u00e1m, jak vybrat tu nejlevn\u011bj\u0161\u00ed"}]},{"@type":"WebSite","@id":"https:\/\/skippay.cz\/blog\/#website","url":"https:\/\/skippay.cz\/blog\/","name":"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz","description":"","publisher":{"@id":"https:\/\/skippay.cz\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/skippay.cz\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/skippay.cz\/blog\/#organization","name":"Skip Pay","url":"https:\/\/skippay.cz\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/skippay.cz\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/11\/Logo-MALL_1200x440.png","contentUrl":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/11\/Logo-MALL_1200x440.png","width":1200,"height":440,"caption":"Skip Pay"},"image":{"@id":"https:\/\/skippay.cz\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/skippay.cz\/blog\/#\/schema\/person\/461ebc779ae758fe58b12ae07dd1c777","name":"Daniela Van\u011b\u010dkov\u00e1","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/649ecf6d40a3ce0fd302bdbb4be2cbd9192e45048725d5376ec3d2903c6c391d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/649ecf6d40a3ce0fd302bdbb4be2cbd9192e45048725d5376ec3d2903c6c391d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/649ecf6d40a3ce0fd302bdbb4be2cbd9192e45048725d5376ec3d2903c6c391d?s=96&d=mm&r=g","caption":"Daniela Van\u011b\u010dkov\u00e1"},"description":"Autorka ti\u0161t\u011bn\u00fdch i elektronick\u00fdch knih, kterou bav\u00ed posouvat vlastn\u00ed hranice, a vystudovan\u00e1 ekonomka, kter\u00e1 pro v\u00e1s p\u0159ipravuje \u010dl\u00e1nky ze sv\u011bta financ\u00ed. P\u00ed\u0161e po\u0159\u00e1d. Prsty j\u00ed b\u011bhaj\u00ed po kl\u00e1vesnici v pracovn\u00edm i voln\u00e9m \u010dase.","url":"https:\/\/skippay.cz\/blog\/author\/dani-vaneckova\/"}]}},"_links":{"self":[{"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/posts\/7037","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/comments?post=7037"}],"version-history":[{"count":11,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/posts\/7037\/revisions"}],"predecessor-version":[{"id":11910,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/posts\/7037\/revisions\/11910"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/media\/7041"}],"wp:attachment":[{"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/media?parent=7037"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/categories?post=7037"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/tags?post=7037"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}