[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zuhk.cz\/druhy-splatek\/#Article","mainEntityOfPage":"https:\/\/www.zuhk.cz\/druhy-splatek\/","headline":"Druhy spl\u00e1tek","name":"Druhy spl\u00e1tek","description":"Jo, kdyby se to po\u010d\u00edtalo bez \u00farok\u016f, bez procent, bez sazby za to a za to, jist\u011b by to n\u011bjak […]","datePublished":"2019-11-06","dateModified":"2023-05-30","author":{"@type":"Person","@id":"https:\/\/www.zuhk.cz\/author\/#Person","name":"","url":"https:\/\/www.zuhk.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zuhk.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zuhk.cz\/wp-content\/uploads\/img_a371294_w2076_t1582786702.jpg","url":"https:\/\/www.zuhk.cz\/wp-content\/uploads\/img_a371294_w2076_t1582786702.jpg","height":0,"width":0},"url":"https:\/\/www.zuhk.cz\/druhy-splatek\/","about":["Online"],"wordCount":448,"articleBody":"  Jo, kdyby se to po\u010d\u00edtalo bez \u00farok\u016f, bez procent, bez sazby za to a za to, jist\u011b by to n\u011bjak \u0161lo. Jen\u017ee\u2026 To by tak\u00e9 cht\u011blo mo\u017en\u00e1 zn\u00e1t, jak je mo\u017eno spl\u00e1cet. V\u00edte nap\u0159\u00edklad, \u017ee spl\u00e1tky nemus\u00ed b\u00fdt pevn\u00e9 po celou dobu spl\u00e1cen\u00ed hypot\u00e9ky? Spl\u00e1tka anuitn\u00ed se v celkov\u00fd v\u00fd\u0161i nem\u011bn\u00ed, m\u011bn\u00ed se jen pom\u011br jistiny a \u00farok\u016f. Pak v\u0161ak je\u0161t\u011b m\u00e1me spl\u00e1tky progres\u00edvn\u00ed a spl\u00e1tky degresivn\u00ed. Pod\u00edv\u00e1te li se na web https:\/\/www.ferovahypoteka.cz\/degresivni-splatka\/, bude v\u00e1m hned jasn\u00e9 o\u010d jde. My si to zde m\u016f\u017eeme tro\u0161ku \u201erozpitvat. U progres\u00edvn\u00edch spl\u00e1tek se kalkuluje t\u0159eba s pov\u00fd\u0161en\u00edm, nap\u0159\u00edklad mlad\u00fd l\u00e9ka\u0159 jist\u011b brzy pov\u00fd\u0161\u00ed, a to ne jednou, a proto se \u010d\u00e1stka k spl\u00e1cen\u00ed \u010dasem navy\u0161uje. A kdy\u017e pak bude prim\u00e1\u0159em, bude spl\u00e1tka je\u0161t\u011b vy\u0161\u0161\u00ed, ale ne v podstat\u011b pro n\u011bj, proto\u017ee bude m\u00edt vy\u0161\u0161\u00ed p\u0159\u00edjem. Tak\u017ee to prakticky nezas\u00e1hne do jeho rodinn\u00e9ho rozpo\u010dtu. U spl\u00e1tek degres\u00edvn\u00edch se postupuje obr\u00e1cen\u011b. Nekalkuluje se s \u017e\u00e1dn\u00fdm povy\u0161ov\u00e1n\u00edm, ale \u010d\u00e1stky se naopak \u010dasem sni\u017euj\u00ed a jsou vy\u0161\u0161\u00ed na za\u010d\u00e1tku spl\u00e1cen\u00ed ne\u017e na jeho konci. T\u00edm p\u00e1dem se \u010dasem rodin\u011b \u201eulev\u00ed\u201c a mohou p\u0159estat d\u011blat od vid\u00edm do nevid\u00edm. Tento druh spl\u00e1tek v\u0161ak nen\u00ed zrovna moc vyu\u017e\u00edv\u00e1n i kdy\u017e se na n\u011bm u\u0161et\u0159\u00ed p\u011bkn\u00e1 spousta pen\u011bz, nepo\u010d\u00edt\u00e1me-li inflaci. Jen\u017ee se kupuje n\u00e1bytek, vybaven\u00ed a \u201eHele Karle, co takhle si koupit auto?\u201c Ono pr\u00e1v\u011b zpo\u010d\u00e1tku v nov\u00e9m bydlen\u00ed je t\u0159eba spousta v\u011bc\u00ed a pen\u00edze jen te\u010dou. Proto se forma degres\u00edvn\u00edch spl\u00e1tek v mnoha rodin\u00e1ch skoro v\u016fbec nezva\u017euje. Nu, je to jejich chyba. Ov\u0161em t\u011b\u017eko jim to vy\u010d\u00edtat z ji\u017e v\u00fd\u0161e zm\u00edn\u011bn\u00fdch d\u016fvod\u016f. Ty praktick\u00e9 p\u0159evy\u0161uj\u00ed ty rozumov\u00e9 a p\u0159i tom se do vzd\u00e1len\u00e9 budoucnosti v\u016fbec nehled\u00ed. Jen\u017ee pr\u00e1v\u011b v budoucnosti je ukryta ta s\u00edla pen\u011bz, kter\u00e9 se mohou nyn\u00ed jen tak rozkut\u00e1let. Ale od toho zde vlastn\u011b jsou, \u017ee ano. Je ov\u0161em na ka\u017ed\u00e9m jednotlivci, jak celou situaci p\u0159i domlouv\u00e1n\u00ed spl\u00e1tek zv\u00e1\u017e\u00ed a co si zvol\u00ed. Nyn\u00ed ji\u017e v\u00edte, \u017ee ty mo\u017enosti zde jsou a m\u016f\u017eete se podle toho za\u0159\u00eddit.                                                                                                                                                                                                                                                                                                                                                                                           4.1\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Druhy spl\u00e1tek","item":"https:\/\/www.zuhk.cz\/druhy-splatek\/#breadcrumbitem"}]}]