{"id":9168,"date":"2023-12-13T15:36:28","date_gmt":"2023-12-13T14:36:28","guid":{"rendered":"https:\/\/skippay.cz\/blog\/?p=9168"},"modified":"2026-01-23T08:24:57","modified_gmt":"2026-01-23T07:24:57","slug":"pujcka-na-vanoce","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/pujcka-na-vanoce\/","title":{"rendered":"P\u016fj\u010dka na V\u00e1noce: Kdy se v\u00e1m (ne)vyplat\u00ed?\u00a0"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>V\u00fdhody v\u00e1no\u010dn\u00edch p\u016fj\u010dek<\/strong><\/h2>\n\n\n\n<p>P\u0159em\u00fd\u0161l\u00edte, jestli se v\u00e1m <a href=\"https:\/\/skippay.cz\/pujcka\">p\u016fj\u010dka na V\u00e1noce<\/a> vyplat\u00ed? Mezi jej\u00ed nejv\u011bt\u0161\u00ed v\u00fdhody pat\u0159\u00ed:&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bohat\u0161\u00ed V\u00e1noce<\/strong>. Chcete obdarovat ka\u017ed\u00e9ho \u010dlena rodiny, ale v\u00e1no\u010dn\u00ed pr\u00e9mie v\u00e1m doraz\u00ed na \u00fa\u010det a\u017e v lednu? Mal\u00fd bez\u00faro\u010dn\u00fd \u00fav\u011br (t\u0159eba pr\u00e1v\u011b <a href=\"https:\/\/skippay.cz\/blog\/revolvingovy-uver\/\" target=\"_blank\" rel=\"noreferrer noopener\">Revolvingov\u00fd \u00fav\u011br od Skip Pay<\/a>) v\u00e1m poskytne p\u0159edv\u00e1no\u010dn\u00ed finan\u010dn\u00ed pol\u0161t\u00e1\u0159.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rozlo\u017een\u00ed v\u00fddaj\u016f<\/strong>. D\u00edky pravideln\u00fdm spl\u00e1tk\u00e1m si n\u00e1klady rovnom\u011brn\u011b rozd\u011bl\u00edte do del\u0161\u00edho obdob\u00ed a spl\u00e1cen\u00ed p\u0159izp\u016fsob\u00edte sv\u00e9 dal\u0161\u00ed v\u00fddaje.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Spojen\u00ed p\u0159\u00edjemn\u00e9ho s u\u017eite\u010dn\u00fdm<\/strong>. Pot\u0159ebuje v\u00e1\u0161 student nov\u00fd notebook, kter\u00fd by v pr\u016fb\u011bhu roku stejn\u011b dostal? Ne\u010dekejte, a\u017e mu ten star\u00fd definitivn\u011b doslou\u017e\u00ed. <a href=\"http:\/\/skippay.cz\/splatky\">Rozlo\u017ete si vy\u00fa\u010dtov\u00e1n\u00ed na Spl\u00e1tky<\/a> a nad\u011blte mu ho pod strome\u010dek u\u017e te\u010f. <\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ned\u00e1te \u0161anci inflaci<\/strong>. Chcete si ud\u011blat radost velk\u00fdm d\u00e1rkem v podob\u011b nov\u00e9ho auta nebo t\u0159eba n\u00e1bytku na m\u00edru? Zat\u00edmco zbo\u017e\u00ed a slu\u017eby neust\u00e1le zdra\u017euj\u00ed, va\u0161e \u00faspory ztr\u00e1c\u00ed na hodnot\u011b. \u010casto tak b\u00fdv\u00e1 v\u00fdhodn\u011bj\u0161\u00ed si na drah\u00e9 v\u011bci p\u016fj\u010dit ne\u017e \u010dekat roky, a\u017e na n\u011b na\u0161et\u0159\u00edte.&nbsp;<\/li>\n<\/ul>\n\n\n<figure class=\"wp-block-image size-large d-md-none\"><a href=\"https:\/\/skippay.cz\/platba-skip-pay\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" style=\"border-radius: 16px; max-width: 690px; box-shadow: 0 5px 30px 0 rgba(0, 0, 0, 0.1);\" src=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/07\/skip-pay_odlozena-platba_zadne-cary-pres-rozpocet_690px.png\" alt=\"\u017d\u00e1dn\u00e9 \u010d\u00e1ry p\u0159es rozpo\u010det. Pla\u0165te jen tolik, kolik se v\u00e1m zrovna hod\u00ed\"><\/a><\/figure>\n<figure class=\"wp-block-image size-large d-none d-md-block\"><a href=\"https:\/\/skippay.cz\/platba-skip-pay\" target=\"_blank&quot;\" rel=\"noopener noreferrer\"><img decoding=\"async\" style=\"border-radius: 16px; max-width: 919px; box-shadow: 0 5px 30px 0 rgba(0, 0, 0, 0.1);\" src=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/07\/skip-pay_odlozena-platba_zadne-cary-pres-rozpocet_919px.png\" alt=\"\u017d\u00e1dn\u00e9 \u010d\u00e1ry p\u0159es rozpo\u010det. Pla\u0165te jen tolik, kolik se v\u00e1m zrovna hod\u00ed\"><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Nev\u00fdhody v\u00e1no\u010dn\u00edch p\u016fj\u010dek<\/strong>&nbsp;<\/h2>\n\n\n\n<p>P\u016fj\u010dka na V\u00e1noce m\u00e1 i sv\u00e9 stinn\u00e9 str\u00e1nky. Kter\u00e9 to jsou?&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u00darokov\u00e9 sazby<\/strong>. S p\u016fj\u010dkami se \u010dasto poj\u00ed vysok\u00e9 \u00faroky, kter\u00e9 va\u0161e n\u00e1kupy v\u00fdrazn\u011b prodra\u017e\u00ed.&nbsp;<\/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: Nesko\u010dte po prvn\u00ed p\u016fj\u010dce, kter\u00e1 se namane. <a href=\"https:\/\/skippay.cz\/platba-skip-pay\">Nakupujte rad\u011bji se Skip Pay.<\/a> Na zaplacen\u00ed sv\u00fdch n\u00e1kup\u016f z\u00edsk\u00e1te a\u017e 50 dn\u00ed a ned\u00e1te za to ani korunu nav\u00edc.<\/div><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Zbyte\u010dn\u00e9 v\u00fddaje<\/strong>. V\u00edce pen\u011bz k dispozici jde ruku v ruce s v\u011bt\u0161\u00ed \u00fatratou. Snadno se tak stane, \u017ee nakoup\u00edte v\u00edce, ne\u017e je pot\u0159eba.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Za\u010darovan\u00fd kruh<\/strong>.<strong> <\/strong>N\u011bkolik p\u016fj\u010dek z\u00e1rove\u0148 m\u016f\u017ee m\u00edt za n\u00e1sledek <a href=\"https:\/\/skippay.cz\/blog\/pozitivni-vs-negativni-zaznam-v-registru-dluzniku\/\" target=\"_blank\" rel=\"noreferrer noopener\">p\u0159edlu\u017een\u00ed<\/a> a probl\u00e9m s n\u00e1sledn\u00fdm spl\u00e1cen\u00edm. Ka\u017edou finan\u010dn\u00ed injekci je proto pot\u0159eba d\u016fkladn\u011b promyslet.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Nejasn\u00e9 \u00fav\u011brov\u00e9 podm\u00ednky<\/strong>. P\u016fj\u010dky vyb\u00edrejte hlavn\u011b podle <a href=\"https:\/\/skippay.cz\/blog\/spocitejte-si-kolik-preplatite-kdyz-si-vezmete-pujcku\/\" target=\"_blank\" rel=\"noreferrer noopener\">RPSN<\/a> (ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f) a u smluv si posvi\u0165te i na pozn\u00e1mky pod \u010darou. Nebudete tak nep\u0159\u00edjemn\u011b p\u0159ekvapeni, kolik p\u0159eplat\u00edte.&nbsp;<\/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: S n\u00e1mi v\u017edy v\u00edte, na \u010dem jste a kolik v\u00e1s to bude st\u00e1t. A kdy\u017e spl\u00e1cen\u00ed nejde podle pl\u00e1nu? Ve Skip Pay hled\u00e1me \u0159e\u0161en\u00ed a ne exekutora.<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pro\u010d se v\u00e1m n\u00e1kupy se Skip Pay vyplat\u00ed<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Hodila by se v\u00e1m nejen p\u0159ed V\u00e1noci n\u011bjak\u00e1 ta koruna nav\u00edc? Vyhn\u011bte se nev\u00fdhodn\u00fdm p\u016fj\u010dk\u00e1m a nakupujte se Skip Pay. Chyt\u0159e a v\u00fdhodn\u011b. Co t\u00edm z\u00edsk\u00e1te?&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Zaj\u00edmav\u00fd cashback<\/strong>. Nakupujte p\u0159es n\u00e1\u0161 cashback port\u00e1l a z\u00edskejte a\u017e 10 % z n\u00e1kup\u016f zp\u011bt.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Odlo\u017eenou platbu<\/strong>. Sv\u00e9 n\u00e1kupy plat\u00edte a\u017e do 50 dn\u00ed a ned\u00e1te za to ani korunu nav\u00edc.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Limit na \u00fatratu a\u017e 50 000 K\u010d<\/strong>. Limit m\u016f\u017eete \u010derpat opakovan\u011b, na cokoliv a bez zbyte\u010dn\u00e9ho pap\u00edrov\u00e1n\u00ed.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>N\u00e1kup na T\u0159etinu<\/strong>. Rozlo\u017ete si platbu n\u00e1kupu na t\u0159i \u010d\u00e1sti. Prvn\u00ed zaplat\u00edte hned, dal\u0161\u00ed dv\u011b doplat\u00edte za 30 a 60 dn\u00ed. Bez poplatk\u016f a bez nav\u00fd\u0161en\u00ed.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Posunut\u00ed splatnosti<\/strong>. A\u017e 95 % sv\u00e9 \u00fatraty si m\u016f\u017eete p\u0159esunout na dal\u0161\u00ed m\u011bs\u00edc. V\u017edy p\u0159edem v\u00edte, kolik za odlo\u017een\u00ed zaplat\u00edte.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/skippay.cz\/pojisteni\" type=\"link\" id=\"https:\/\/skippay.cz\/pojisteni\">Prodlou\u017eenou z\u00e1ruku nebo poji\u0161t\u011bn\u00ed<\/a> proti rozbit\u00ed a kr\u00e1de\u017ei u\u017e od 9 K\u010d ro\u010dn\u011b<\/strong>. F\u00e9rov\u00e9 podm\u00ednky, online sjedn\u00e1n\u00ed. Praskl v\u00e1m displej u telefonu nebo v\u00e1m doprala pra\u010dka t\u011bsn\u011b po z\u00e1ruce? My to za v\u00e1s vy\u0159e\u0161\u00edme.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Zaj\u00edmav\u00e9 odm\u011bny<\/strong>. Za nakupov\u00e1n\u00ed s n\u00e1mi sb\u00edr\u00e1te body, kter\u00e9 vym\u011bn\u00edte za l\u00e1kav\u00e9 slevy do obl\u00edben\u00fdch e-shop\u016f.&nbsp;<\/li>\n<\/ul>\n\n\n<figure class=\"wp-block-image size-large d-md-none\"><a href=\"https:\/\/skippay.cz\/karta\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" style=\"border-radius: 16px; max-width: 690px; box-shadow: 0 5px 30px 0 rgba(0, 0, 0, 0.1);\" src=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/07\/skip-pay_karta_kdyz-platebni-kartu_690px.png\" alt=\"Kdy\u017e platebn\u00ed kartu, tak nabitou v\u00fdhodami\"><\/a><\/figure>\n<figure class=\"wp-block-image size-large d-none d-md-block\"><a href=\"https:\/\/skippay.cz\/karta\" target=\"_blank&quot;\" rel=\"noopener noreferrer\"><img decoding=\"async\" style=\"border-radius: 16px; max-width: 919px; box-shadow: 0 5px 30px 0 rgba(0, 0, 0, 0.1);\" src=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/07\/skip-pay_karta_kdyz-platebni-kartu_919px.png\" alt=\"Kdy\u017e platebn\u00ed kartu, tak nabitou v\u00fdhodami\"><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Bl\u00ed\u017e\u00edc\u00ed se v\u00e1no\u010dn\u00ed sv\u00e1tky \u010dasto znamenaj\u00ed velk\u00fd z\u00e1sah do rodinn\u00e9ho rozpo\u010dtu. Spoust\u011b lid\u00ed tak zn\u00ed v hlav\u011b ot\u00e1zka: \u201eP\u016fj\u010dit si na v\u00e1no\u010dn\u00ed d\u00e1rky, nebo rad\u011bji ne?\u201d. Pat\u0159\u00edte mezi n\u011b? Potom pe\u010dliv\u011b zva\u017ete v\u0161echny v\u00fdhody a rizika v\u00e1no\u010dn\u00edch p\u016fj\u010dek. Jak\u00e9 to jsou a co kdy\u017e to jde i jinak?  <\/p>\n","protected":false},"author":30,"featured_media":9583,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[2304,29,17,2359,2065,134],"class_list":["post-9168","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-finance","tag-nakup-na-splatky","tag-odlozena-platba","tag-pujcky","tag-tretina","tag-vanoce","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>P\u016fj\u010dka na V\u00e1noce: Kdy se v\u00e1m (ne)vyplat\u00ed?\u00a0 I Skip Pay<\/title>\n<meta name=\"description\" content=\"Bl\u00ed\u017e\u00edc\u00ed se v\u00e1no\u010dn\u00ed sv\u00e1tky \u010dasto znamenaj\u00ed velk\u00fd z\u00e1sah do rodinn\u00e9ho rozpo\u010dtu. 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A co kdy\u017e to jde i jinak?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skippay.cz\/blog\/pujcka-na-vanoce\/\" \/>\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=\"2023-12-13T14:36:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-23T07:24:57+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/12\/vyhody-a-rizika-vanocnich-pujcek.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=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/pujcka-na-vanoce\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/pujcka-na-vanoce\\\/\"},\"author\":{\"name\":\"Daniela Van\u011b\u010dkov\u00e1\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/461ebc779ae758fe58b12ae07dd1c777\"},\"headline\":\"P\u016fj\u010dka na V\u00e1noce: Kdy se v\u00e1m (ne)vyplat\u00ed?\u00a0\",\"datePublished\":\"2023-12-13T14:36:28+00:00\",\"dateModified\":\"2026-01-23T07:24:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/pujcka-na-vanoce\\\/\"},\"wordCount\":763,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/pujcka-na-vanoce\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/12\\\/vyhody-a-rizika-vanocnich-pujcek.jpg\",\"keywords\":[\"Finance\",\"N\u00e1kup na spl\u00e1tky\",\"Odlo\u017een\u00e1 platba\",\"P\u016fj\u010dky\",\"T\u0159etina\",\"V\u00e1noce\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/skippay.cz\\\/blog\\\/pujcka-na-vanoce\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/pujcka-na-vanoce\\\/\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/pujcka-na-vanoce\\\/\",\"name\":\"P\u016fj\u010dka na V\u00e1noce: Kdy se v\u00e1m (ne)vyplat\u00ed?\u00a0 I Skip Pay\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/pujcka-na-vanoce\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/pujcka-na-vanoce\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/12\\\/vyhody-a-rizika-vanocnich-pujcek.jpg\",\"datePublished\":\"2023-12-13T14:36:28+00:00\",\"dateModified\":\"2026-01-23T07:24:57+00:00\",\"description\":\"Bl\u00ed\u017e\u00edc\u00ed se v\u00e1no\u010dn\u00ed sv\u00e1tky \u010dasto znamenaj\u00ed velk\u00fd z\u00e1sah do rodinn\u00e9ho rozpo\u010dtu. 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