{"id":7338,"date":"2023-04-19T08:56:59","date_gmt":"2023-04-19T07:56:59","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=7338"},"modified":"2025-10-30T13:47:16","modified_gmt":"2025-10-30T12:47:16","slug":"spocitejte-si-kolik-preplatite-kdyz-si-vezmete-pujcku","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/spocitejte-si-kolik-preplatite-kdyz-si-vezmete-pujcku\/","title":{"rendered":"Spo\u010d\u00edtejte si, kolik p\u0159eplat\u00edte, kdy\u017e si vezmete p\u016fj\u010dku"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">U p\u016fj\u010dky se zam\u011b\u0159te na v\u00fd\u0161i RPSN<\/h2>\n\n\n\n<p>Nejd\u016fle\u017eit\u011bj\u0161\u00edm ukazatelem p\u0159i sjedn\u00e1v\u00e1n\u00ed \u00fav\u011bru je RPSN (ro\u010dn\u00ed procentu\u00e1ln\u00ed sazba n\u00e1klad\u016f), kter\u00e1 ukazuje, kolik za p\u016fj\u010dku celkem zaplat\u00edte. RPSN zahrnuje \u00farokovou sazbu i v\u0161echny poplatky spojen\u00e9 s p\u016fj\u010dkou, nap\u0159. za veden\u00ed \u00fa\u010dtu, vy\u0159\u00edzen\u00ed \u017e\u00e1dosti, uzav\u0159en\u00ed smlouvy atd. \u010c\u00edm ni\u017e\u0161\u00ed RPSN, t\u00edm v\u00fdhodn\u011bj\u0161\u00ed pro v\u00e1s p\u016fj\u010dka je.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00e9 dal\u0161\u00ed d\u016fle\u017eit\u00e9 parametry sledovat<\/h2>\n\n\n\n<p>P\u0159ed sjedn\u00e1n\u00edm <a href=\"https:\/\/skippay.cz\/blog\/jak-vybrat-vyhodny-spotrebitelsky-uver\/\">p\u016fj\u010dky<\/a> si tak\u00e9 zjist\u011bte:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek a dobu spl\u00e1cen\u00ed,<\/li>\n\n\n\n<li>jestli je sou\u010d\u00e1st\u00ed p\u016fj\u010dky poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet,<\/li>\n\n\n\n<li>mo\u017enost odlo\u017een\u00ed spl\u00e1tek v p\u0159\u00edpad\u011b \u017eivotn\u00edch karambol\u016f,<\/li>\n\n\n\n<li>kolik stoj\u00ed <a href=\"https:\/\/skippay.cz\/pujcka\">p\u0159ed\u010dasn\u00e9 splacen\u00ed p\u016fj\u010dky<\/a>,<\/li>\n\n\n\n<li>jak\u00e9 poplatky se v\u00e1\u017eou k uzav\u0159en\u00ed smlouvy,<\/li>\n\n\n\n<li>reference na poskytovatele p\u016fj\u010dky,<\/li>\n\n\n\n<li>v\u0161echny pozn\u00e1mky pod \u010darou,<\/li>\n\n\n\n<li>vyberte si z v\u00edce mo\u017enost\u00ed- v dne\u0161n\u00ed dob\u011b nen\u00ed nic snadn\u011bj\u0161\u00edho <a href=\"https:\/\/porovnejpujcku.cz\/srovnani-pujcek\/\">ne\u017e si porovnat varianty<\/a>.<\/li>\n<\/ul>\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: Pot\u0159ebujete uhradit velk\u00fd n\u00e1kup, ale platba cel\u00e9 \u010d\u00e1stky najednou by v\u00e1s dostala do zbyte\u010dn\u00e9ho stresu? Vyu\u017eijte Skip Pay <a href=\"https:\/\/skippay.cz\/nakup-na-tretinu\">n\u00e1kup na T\u0159etinu<\/a>. T\u0159etinu zaplat\u00edte te\u010f a zbytek pozd\u011bji.<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Co rozhoduje o tom, kolik p\u0159eplat\u00edte<\/h2>\n\n\n\n<p>Spousta lid\u00ed si mysl\u00ed, \u017ee p\u0159i \u00faroku 5 % a p\u016fj\u010dce 100 000 K\u010d, sta\u010d\u00ed bance splatit 105 000 K\u010d. V\u00fdpo\u010det p\u0159eplatku je ale o n\u011bco slo\u017eit\u011bj\u0161\u00ed.&nbsp;<\/p>\n\n\n\n<p>Zapo\u010d\u00edt\u00e1v\u00e1 se do n\u011bj:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>v\u00fd\u0161e spl\u00e1tky,<\/li>\n\n\n\n<li>d\u00e9lka spl\u00e1cen\u00ed,<\/li>\n\n\n\n<li>\u00farokov\u00e1 sazba,<\/li>\n\n\n\n<li>poplatky spojen\u00e9 s p\u016fj\u010dkou.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>JAK SPO\u010c\u00cdTAT, KOLIK P\u0158EPLAT\u00cdTE NA \u00daROC\u00cdCH?<br><\/strong><br>P\u0158\u00cdKLAD \u010c. 1:<br><br>V p\u0159\u00edpad\u011b, \u017ee nezn\u00e1te v\u00fd\u0161i spl\u00e1tky, m\u016f\u017eete si p\u0159eplatek vypo\u010d\u00edtat podle \u00farokov\u00e9 sazby.<br>P\u0159eplatek = (\u010d\u00e1stka \u00d7 ro\u010dn\u00ed \u00farokov\u00e1 sazba \u00d7 d\u00e9lka spl\u00e1cen\u00ed) \/ 100<br>Nap\u0159.: P\u016fj\u010dka 100 000 K\u010d, ro\u010dn\u00ed \u00farokov\u00e1 sazba 5 %, doba spl\u00e1cen\u00ed 2 roky.<br>P\u0159eplatek = (100 000 \u00d7 5 \u00d7 2) \/ 100 = 10 000 K\u010d<br><br><br>P\u0158\u00cdKLAD \u010c. 2:<br><br>Pokud nezn\u00e1te \u00farokovou sazbu, p\u0159eplatek si spo\u010d\u00edt\u00e1te pomoc\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky.<br>Nap\u0159.: V\u00fd\u0161e \u00fav\u011bru 100 000 K\u010d, m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka 4 500 K\u010d, doba spl\u00e1cen\u00ed 2 roky.<br>Za dva roky zaplat\u00edte 24 spl\u00e1tek, tj. 24 \u00d7 4 500 = 108 000.<br>P\u0159eplatek = 108 000 &#8211; 100 000 = 8 000 K\u010d<br><br><br>Pozn.: Celkov\u00e9 n\u00e1klady na p\u016fj\u010dku vypo\u010d\u00edt\u00e1te tak, \u017ee k p\u0159eplatku na \u00faroc\u00edch p\u0159ipo\u010dtete dal\u0161\u00ed n\u00e1klady spojen\u00e9 s p\u016fj\u010dkou (viz RPSN).<\/td><\/tr><\/tbody><\/table><\/figure>\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: M\u00e1te ne\u010dekan\u00e9 <a href=\"https:\/\/skippay.cz\/blog\/jak-vybrat-vyhodny-spotrebitelsky-uver\/\">v\u00fddaje<\/a> a do v\u00fdplaty daleko? Vyu\u017eijte <a href=\"https:\/\/skippay.cz\/platba-skip-pay\">odlo\u017eenou platbu od Skip Pay<\/a> a nepla\u0165te nav\u00edc ani korunu.<\/div><\/div>\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\/04\/leasing.jpg\" alt=\"\" class=\"wp-image-7343\" srcset=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/04\/leasing.jpg 768w, https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/04\/leasing-300x200.jpg 300w, https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/04\/leasing-150x100.jpg 150w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><figcaption class=\"wp-element-caption\"><em>\u00dav\u011br na auto pat\u0159\u00ed mezi st\u0159edn\u011bdob\u00e9 \u00fav\u011bry.<\/em><\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Kolik p\u0159eplat\u00edte u kr\u00e1tkodob\u00e9ho \u00fav\u011bru<\/h2>\n\n\n\n<p><a href=\"https:\/\/skippay.cz\/pujcka\">Kr\u00e1tkodob\u00fd \u00fav\u011br<\/a> je p\u016fj\u010dka v \u0159\u00e1du (deseti)tis\u00edc\u016f, kterou splat\u00edte do 1 roku. Jedn\u00e1 se hlavn\u011b o revolvingov\u00e9 \u00fav\u011bry, jako jsou kreditn\u00ed karty nebo <a href=\"https:\/\/skippay.cz\/blog\/kontokorent-versus-odlozena-platba\/\">kontokorent<\/a>. V\u00fdhodou revolvingov\u00fdch \u00fav\u011br\u016f je jejich okam\u017eit\u00e1 dostupnost bez nutnosti slo\u017eit\u00e9ho pap\u00edrov\u00e1n\u00ed. Nev\u00fdhodou je \u010dasto vysok\u00fd \u00farok.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>V\u00ddPO\u010cET P\u0158EPLATKU U KR\u00c1TKODOB\u00c9HO \u00daV\u011aRU<br><\/strong><br>V\u00fd\u0161e \u00fav\u011bru: 20 000 K\u010d<br>\u00darokov\u00e1 m\u00edra: 15 %<br>D\u00e9lka spl\u00e1cen\u00ed: 1 rok<br>M\u011bs\u00ed\u010dn\u00ed spl\u00e1tka: 1 805,17 K\u010d<br>Celkem zaplat\u00edte: 21 661,99 K\u010d<br><strong>Z toho \u00faroky: 1 661,99 K\u010d<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\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\/ucty\">bal\u00ed\u010dek MAXI od Skip Pay<\/a>. Pen\u00edze tak m\u00e1te okam\u017eit\u011b k dispozici a neplat\u00edte za n\u011b \u017e\u00e1dn\u00e9 \u00faroky.<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Kolik p\u0159eplat\u00edte u st\u0159edn\u011bdob\u00e9ho \u00fav\u011bru<\/h2>\n\n\n\n<p>St\u0159edn\u011bdob\u00e9 \u00fav\u011bry jsou zpravidla statis\u00edcov\u00e9 p\u016fj\u010dky, kter\u00e9 spl\u00e1c\u00edte n\u011bkolik let. Pat\u0159\u00ed mezi n\u011b nap\u0159\u00edklad p\u016fj\u010dky na auto, na rekonstrukci nebo vybaven\u00ed dom\u00e1cnosti.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>V\u00ddPO\u010cET P\u0158EPLATKU U ST\u0158EDN\u011aDOB\u00c9HO \u00daV\u011aRU<br><\/strong><br>V\u00fd\u0161e \u00fav\u011bru: 500 000 K\u010d<br>\u00darokov\u00e1 m\u00edra: 7 %<br>D\u00e9lka spl\u00e1cen\u00ed: 5 let<br>M\u011bs\u00ed\u010dn\u00ed spl\u00e1tka: 9 900,60 K\u010d<br>Celkem zaplat\u00edte: 594 035,96 K\u010d<br><strong>Z toho \u00faroky: 94 035,96 K\u010d<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Kolik p\u0159eplat\u00edte u dlouhodob\u00e9ho \u00fav\u011bru<\/h2>\n\n\n\n<p>Za dlouhodob\u00fd \u00fav\u011br se pova\u017euj\u00ed <a href=\"https:\/\/www.usetreno.cz\/hypoteky\/\">hypot\u00e9ky<\/a> a podobn\u00e9 velk\u00e9 p\u016fj\u010dky, kter\u00e9 spl\u00e1c\u00edte v \u0159\u00e1du des\u00edtek let. P\u0159ed schv\u00e1len\u00edm \u00fav\u011bru na bydlen\u00ed mus\u00edte dolo\u017eit sv\u00e9 p\u0159\u00edjmy, informace o nemovitosti a dal\u0161\u00ed pot\u0159ebn\u00e9 dokumenty. D\u00edky hypot\u00e9ce z\u00edsk\u00e1te sv\u00e9 vysn\u011bn\u00e9 bydlen\u00ed, ale na \u00faroc\u00edch hodn\u011b p\u0159eplat\u00edte.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>V\u00ddPO\u010cET P\u0158EPLATKU U DLOUHODOB\u00c9HO \u00daV\u011aRU<br><\/strong><br>V\u00fd\u0161e \u00fav\u011bru: 4 000 000 K\u010d<br>\u00darokov\u00e1 m\u00edra: 6 %<br>D\u00e9lka spl\u00e1cen\u00ed: 30 let<br>M\u011bs\u00ed\u010dn\u00ed spl\u00e1tka: 23 982,02 K\u010d<br>Celkem zaplaceno: 8 633 52,56 K\u010d<br><strong>Z toho \u00faroky: 4 633 52,56 K\u010d<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u00darokov\u00e1 m\u00edra nen\u00ed jednor\u00e1zov\u00fd v\u00fddaj, ale hrad\u00edte ji ka\u017ed\u00fd rok. V ka\u017ed\u00e9 spl\u00e1tce plat\u00edte \u010d\u00e1st \u00faroku a \u010d\u00e1st samotn\u00e9 p\u016fj\u010dky. \u00darok se po\u010d\u00edt\u00e1 z \u010d\u00e1stky, kter\u00e1 zb\u00fdv\u00e1 k doplacen\u00ed \u00fav\u011bru, proto se postupn\u00fdm spl\u00e1cen\u00edm \u00farok sni\u017euje.<\/p>\n\n\n\n<p><strong>P\u0158\u00cdKLAD SPL\u00c1TKOV\u00c9HO KALEND\u00c1\u0158E (v K\u010d)<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\u010c\u00edslo spl\u00e1tky<\/td><td>V\u00fd\u0161e spl\u00e1tky<\/td><td>V\u00fd\u0161e \u00faroku<\/td><td>\u00damor<\/td><td>Zb\u00fdvaj\u00edc\u00ed \u00fav\u011br<\/td><\/tr><tr><td>1<\/td><td>23 982,02<\/td><td>20 000<\/td><td>3 982,02<\/td><td>3 996 017,98<\/td><\/tr><tr><td>2<\/td><td>23 982,02<\/td><td>19 980,09<\/td><td>4 001,93<\/td><td>3 992 016,05<\/td><\/tr><tr><td>3<\/td><td>23 982,02<\/td><td>19 960,08<\/td><td>4 021,94<\/td><td>3 987 994,11<\/td><\/tr><tr><td>4<\/td><td>23 982,02<\/td><td>19 939,97<\/td><td>4 042,05<\/td><td>3 983 952,06<\/td><\/tr><tr><td>5<\/td><td>23 982,02<\/td><td>19 919,76<\/td><td>4 062,26<\/td><td>3 979 889,80<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">V tabulce vid\u00edte, jak se v\u00fd\u0161e \u00faroku spl\u00e1cen\u00edm sni\u017euje a \u010d\u00e1stka na spl\u00e1cen\u00ed \u00fav\u011bru (\u00famor) se zvy\u0161uje.<\/figcaption><\/figure>\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: P\u0159ed sjedn\u00e1n\u00edm hypot\u00e9ky se ujist\u011bte, \u017ee v\u00fd\u0161e spl\u00e1tky nenapne v\u00e1\u0161 rodinn\u00fd rozpo\u010det. V p\u0159\u00edpad\u011b nenad\u00e1l\u00fdch v\u00fddaj\u016f byste jinak m\u011bli probl\u00e9my se spl\u00e1cen\u00edm.<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Pokud pot\u0159ebujete pen\u00edze na nenad\u00e1l\u00e9 v\u00fddaje a v\u00e1\u0161 bankovn\u00ed \u00fa\u010det zeje pr\u00e1zdnotou, rychl\u00e1 p\u016fj\u010dka se nab\u00edz\u00ed jako \u0159e\u0161en\u00ed. Za p\u016fj\u010dku ale zaplat\u00edte nemal\u00e9 \u00faroky a poplatky. V\u00edte, na kolik v\u00e1s \u00fav\u011br opravdu p\u0159ijde? <\/p>\n","protected":false},"author":30,"featured_media":7339,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[157,2304,2359,24],"class_list":["post-7338","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-financni-gramotnost","tag-finance","tag-pujcky","tag-tipy-triky","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Spo\u010d\u00edtejte si, kolik p\u0159eplat\u00edte, kdy\u017e si vezmete p\u016fj\u010dku I Skip Pay<\/title>\n<meta name=\"description\" content=\"Pokud pot\u0159ebujete pen\u00edze, p\u016fj\u010dka se nab\u00edz\u00ed jako \u0159e\u0161en\u00ed. V\u00edte ale, jak se po\u010d\u00edt\u00e1 \u00farokov\u00e1 sazba a na kolik v\u00e1s \u00fav\u011br opravdu p\u0159ijde?\" \/>\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\/spocitejte-si-kolik-preplatite-kdyz-si-vezmete-pujcku\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Spo\u010d\u00edtejte si, kolik p\u0159eplat\u00edte, kdy\u017e si vezmete p\u016fj\u010dku I Skip Pay\" \/>\n<meta property=\"og:description\" content=\"Pokud pot\u0159ebujete pen\u00edze, p\u016fj\u010dka se nab\u00edz\u00ed jako \u0159e\u0161en\u00ed. 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