[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bofi.cz\/jak-se-splaceji-dluhy\/#Article","mainEntityOfPage":"https:\/\/www.bofi.cz\/jak-se-splaceji-dluhy\/","headline":"Jak se spl\u00e1cej\u00ed dluhy?","name":"Jak se spl\u00e1cej\u00ed dluhy?","description":"Pro laika je to naprosto jednoduch\u00e1 z\u00e1le\u017eitost. Pokud si n\u011bkdo p\u016fj\u010d\u00ed pen\u00edze, je stanoveno, dokdy je mus\u00ed vr\u00e1tit, a to nav\u00fd\u0161en\u00e9 o \u00faroky v t\u00e9 a t\u00e9 v\u00fd\u0161i, je\u017e b\u00fdv\u00e1 obvykle ud\u00e1v\u00e1na v procentech. A t\u00edm je to odbyt\u00e9. Co se t\u00fdk\u00e1 p\u016fj\u010den\u00e9 \u010d\u00e1stky, je tu v\u0161e nad slunce jasn\u00e9. Ta se prost\u011b vr\u00e1t\u00ed v […]","datePublished":"2019-06-07","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.bofi.cz\/author\/#Person","name":"bofi.cz","url":"https:\/\/www.bofi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bofi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bofi.cz\/wp-content\/uploads\/img_a352322_w1721_t1566889472.jpg","url":"https:\/\/www.bofi.cz\/wp-content\/uploads\/img_a352322_w1721_t1566889472.jpg","height":0,"width":0},"url":"https:\/\/www.bofi.cz\/jak-se-splaceji-dluhy\/","about":["Finance"],"wordCount":484,"articleBody":"      Pro laika je to naprosto jednoduch\u00e1 z\u00e1le\u017eitost. Pokud si n\u011bkdo p\u016fj\u010d\u00ed pen\u00edze, je stanoveno, dokdy je mus\u00ed vr\u00e1tit, a to nav\u00fd\u0161en\u00e9 o \u00faroky v t\u00e9 a t\u00e9 v\u00fd\u0161i, je\u017e b\u00fdv\u00e1 obvykle ud\u00e1v\u00e1na v procentech. A t\u00edm je to odbyt\u00e9. Co se t\u00fdk\u00e1 p\u016fj\u010den\u00e9 \u010d\u00e1stky, je tu v\u0161e nad slunce jasn\u00e9. Ta se prost\u011b vr\u00e1t\u00ed v takov\u00e9 v\u00fd\u0161i, v jak\u00e9 byla p\u016fj\u010dena, a je to. Ov\u0161em s \u00faroky to tak jednozna\u010dn\u00e9 nen\u00ed. Proto\u017ee ty se n\u011bkdy vypo\u010d\u00edtaj\u00ed tak, jak si to oby\u010dejn\u00ed smrteln\u00edci vesm\u011bs p\u0159edstavuj\u00ed, ov\u0161em n\u011bkdy tomu tak nen\u00ed. Lze se toti\u017e setkat i s pojmem line\u00e1rn\u00ed spl\u00e1cen\u00ed https:\/\/www.hypotekybezregistru.cz\/a53-linearni-splaceni\/. A toto funguje pon\u011bkud odli\u0161n\u011b. Zat\u00edmco se toti\u017e t\u0159eba u hypot\u00e9k vesm\u011bs setk\u00e1me s t\u00edm, \u017ee se pravideln\u011b spl\u00e1c\u00ed pevn\u011b dan\u00e1 \u010d\u00e1stka, zahrnuj\u00edc\u00ed v\u017edy stejn\u00fd n\u00e1le\u017eit\u00fd d\u00edl p\u016fj\u010den\u00e9 \u010d\u00e1stky a tak\u00e9 identickou \u010d\u00e1st \u00faroku, \u010demu\u017e se \u0159\u00edk\u00e1 odborn\u011b anuitn\u00ed zp\u016fsob spl\u00e1cen\u00ed, je tu i jin\u00e1 mo\u017enost. A to spl\u00e1cen\u00ed zvan\u00e9 line\u00e1rn\u00ed. \u010c\u00edm se to posledn\u011b zm\u00edn\u011bn\u00e9 odli\u0161uje? T\u00edm, \u017ee v tomto p\u0159\u00edpad\u011b spl\u00e1c\u00ed dlu\u017en\u00edk m\u011bs\u00edc co m\u011bs\u00edc stejnou \u010d\u00e1st \u00fav\u011bru plus \u00faroky platn\u00e9 pro aktu\u00e1ln\u00ed m\u011bs\u00edc. Tedy \u00faroky z \u010d\u00e1stky, ji\u017e m\u00e1 moment\u00e1ln\u011b p\u016fj\u010denu. A proto\u017ee se t\u00edmto po\u010d\u00edn\u00e1n\u00edm logicky postupn\u011b sni\u017euje suma, ji\u017e doty\u010dn\u00fd dlu\u017e\u00ed, o pr\u00e1v\u011b zaplacenou \u010d\u00e1st, klesaj\u00ed postupn\u011b i \u00faroky, je\u017e je nezbytn\u00e9 platit. U anuitn\u00edho zp\u016fsobu spl\u00e1cen\u00ed si tak m\u016f\u017ee b\u00fdt \u010dlov\u011bk jist, \u017ee bude platit st\u00e1le stejn\u011b, u line\u00e1rn\u00edho plat\u00ed naopak kv\u016fli postupem \u010dasu klesaj\u00edc\u00edm \u00farok\u016fm zpo\u010d\u00e1tku v\u00edce a pozd\u011bji m\u00ed\u0148 a m\u00ed\u0148. A je jenom na dohod\u011b dlu\u017en\u00edka a poskytovatele p\u016fj\u010dky, k \u010demu se p\u0159iklon\u00ed, co je pro n\u011b v\u00fdhodn\u011bj\u0161\u00ed. Aby to pak po\u0159\u00e1d je\u0161t\u011b nebylo jednoduch\u00e9, existuj\u00ed i progresivn\u00ed nebo degresivn\u00ed zp\u016fsob spl\u00e1cen\u00ed. P\u0159i tom progresivn\u00edm postupn\u011b roste spl\u00e1tka a m\u011bn\u00ed se i pom\u011br zaplacen\u00e9ho \u00faroku a \u00famoru, tedy \u010d\u00e1sti p\u016fj\u010den\u00e9 sumy, p\u0159i degresivn\u00edm se spl\u00e1tka naopak postupem \u010dasu sni\u017euje, tedy za\u010d\u00edn\u00e1 se spl\u00e1cen\u00edm v\u011bt\u0161\u00ed \u010d\u00e1sti \u00famoru a ni\u017e\u0161\u00edho \u00faroku a to se postupem \u010dasu m\u011bn\u00ed. Co se t\u00fdk\u00e1 spl\u00e1cen\u00ed, m\u00e1me tedy na v\u00fdb\u011br. Ov\u0161em jedno z\u016fst\u00e1v\u00e1 v\u017edy nem\u011bnn\u00e9. A to, \u017ee je povinnost\u00ed dlu\u017en\u00edka v\u0161echno vr\u00e1tit. I s \u00faroky.                                                                                                                                                                                                                                                                                                                                                                                          5\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak se spl\u00e1cej\u00ed dluhy?","item":"https:\/\/www.bofi.cz\/jak-se-splaceji-dluhy\/#breadcrumbitem"}]}]