[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.vodomor.cz\/jak-se-vyznat-v-procentech-urokovych-sazeb\/#Article","mainEntityOfPage":"https:\/\/www.vodomor.cz\/jak-se-vyznat-v-procentech-urokovych-sazeb\/","headline":"Jak se vyznat v procentech \u00farokov\u00fdch sazeb?","name":"Jak se vyznat v procentech \u00farokov\u00fdch sazeb?","description":"T\u00e9m\u011b\u0159 ka\u017ed\u00fd z n\u00e1s se b\u011bhem \u017eivota dostane do bodu, kdy pot\u0159ebuje finance nav\u00edc, kter\u00e9 nem\u00e1. Od toho ale m\u00e1me banky, kter\u00e9 n\u00e1m se v\u0161\u00edm pomohou. A\u0165 se jedn\u00e1 o b\u011b\u017enou p\u016fj\u010dku, hypot\u00e9ku \u010di spo\u0159\u00edc\u00ed \u00fa\u010det, v\u0161ude se setk\u00e1te s mnoha zkratkami a sazbami. Vyznat se v tom je pro laika pom\u011brn\u011b slo\u017eit\u00e9 a n\u011bkter\u00e9 &hellip; <a href=\"https:\/\/www.vodomor.cz\/jak-se-vyznat-v-procentech-urokovych-sazeb\/\" class=\"more-link\"><span>Pokra\u010dovat ve \u010dten\u00ed<span class=\"screen-reader-text\">Jak se vyznat v procentech \u00farokov\u00fdch sazeb?<\/span><\/span><\/a>","datePublished":"2019-09-24","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.vodomor.cz\/author\/#Person","name":"vodomor.cz\n","url":"https:\/\/www.vodomor.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":"vodomor.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.vodomor.cz\/wp-content\/uploads\/img_a363976_w2139_t1576694383.jpg","url":"https:\/\/www.vodomor.cz\/wp-content\/uploads\/img_a363976_w2139_t1576694383.jpg","height":0,"width":0},"url":"https:\/\/www.vodomor.cz\/jak-se-vyznat-v-procentech-urokovych-sazeb\/","about":["Pen\u00edze"],"wordCount":439,"articleBody":"         T\u00e9m\u011b\u0159 ka\u017ed\u00fd z n\u00e1s se b\u011bhem \u017eivota dostane do bodu, kdy pot\u0159ebuje finance nav\u00edc, kter\u00e9 nem\u00e1. Od toho ale m\u00e1me banky, kter\u00e9 n\u00e1m se v\u0161\u00edm pomohou. A\u0165 se jedn\u00e1 o b\u011b\u017enou p\u016fj\u010dku, hypot\u00e9ku \u010di spo\u0159\u00edc\u00ed \u00fa\u010det, v\u0161ude se setk\u00e1te s mnoha zkratkami a sazbami. Vyznat se v tom je pro laika pom\u011brn\u011b slo\u017eit\u00e9 a n\u011bkter\u00e9 banky pr\u00e1v\u011b na to s\u00e1zej\u00ed. Tak se na to pod\u00edvejme.  Co to znamen\u00e1? \u00darokov\u00e1 m\u00edra je jednodu\u0161e \u0159e\u010deno \u010d\u00e1stka, kterou u \u00fav\u011bru zaplat\u00edte za to, \u017ee jste ho mohli uzav\u0159\u00edt a vyu\u017e\u00edt extra finance. U spo\u0159en\u00ed jde naopak o odm\u011bnu za to, \u017ee si ukl\u00e1d\u00e1te pen\u00edze na hor\u0161\u00ed \u010dasy. Mnoho spole\u010dnosti na \u010desk\u00e9m trhu nab\u00edz\u00ed skute\u010dn\u011b skv\u011bl\u00e9 podm\u00ednky, ale nen\u00ed to tak v\u017edy. Z\u00e1kladem je vyznat se v tom, co \u0159\u00edkaj\u00ed. Jak\u00e9 jsou z\u00e1kladn\u00ed zkratky a co znamenaj\u00ed?P.a. (per annum) ur\u010duje ro\u010dn\u00ed \u00farokovou sazbu, kter\u00e1 se uv\u00e1d\u00ed nej\u010dast\u011bji. P.s. (per semestr) se uv\u00e1d\u00ed se pololet\u00ed, p.q. (per quartum) je za \u010dtvrtlet\u00ed, p.m. (per mensem) je za m\u011bs\u00edc a nakonec p.d. (per diem) se po\u010d\u00edt\u00e1 za jeden den. Jde o velk\u00e9 rozd\u00edly, proto\u017ee 2% p.a. a 2% p.d. daj\u00ed ve fin\u00e1le \u00fapln\u011b jinou \u010d\u00e1stku, proto\u017ee 2% p.d. jsou 730% p.a. Je proto d\u016fle\u017eit\u00e9 se v nich vyznat a dob\u0159e po\u010d\u00edtat.  S RPSN neud\u011bl\u00e1te chybu RPSN je sazba n\u00e1klad\u016f spojen\u00fdch s vyp\u016fj\u010den\u00fdm financ\u00ed za jeden rok. Jde o nejlep\u0161\u00ed zp\u016fsob, jak zjistit kone\u010dnou cenu \u00fav\u011bru a v klidu se ve v\u0161em vyznat. Sledovat byste ji m\u011bli v\u017edy, ale nejv\u00edc u nebankovn\u00edch spole\u010dnost\u00ed, kde se m\u016f\u017ee vy\u0161plhat nejen na n\u011bkolik des\u00edtek, ale dokonce na n\u011bkolik set procent. M\u011bli byste si na tento \u00fadaj d\u00e1vat velk\u00fd pozor.RPSN je souhrnem ve\u0161ker\u00fdch poplatk\u016f, \u00farok\u016f a ostatn\u00edch n\u00e1klad\u016f, se kter\u00fdmi banka po\u010d\u00edt\u00e1. Jen d\u00edky tomu se p\u0159esn\u011b dozv\u00edte, kolik na konci uhrad\u00edte. Jedn\u00e1 se o mnohem bezpe\u010dn\u011bj\u0161\u00ed zp\u016fsob, jak zjistit kone\u010dnou \u010d\u00e1stku, proto\u017ee \u00farokov\u00e9 sazby b\u00fdvaj\u00ed \u010dasto nep\u0159esn\u00e9 a skr\u00fdv\u00e1 se za nimi spousta marketingov\u00fdch trik\u016f. I kdy\u017e vypadaj\u00ed v\u00fdhodn\u011b a l\u00e1kav\u011b, v\u016fbec takov\u00e9 b\u00fdt nemus\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak se vyznat v procentech \u00farokov\u00fdch sazeb?","item":"https:\/\/www.vodomor.cz\/jak-se-vyznat-v-procentech-urokovych-sazeb\/#breadcrumbitem"}]}]