{"id":1238,"date":"2025-08-15T22:11:04","date_gmt":"2025-08-15T20:11:04","guid":{"rendered":"https:\/\/financialtimes.cz\/?p=1238"},"modified":"2025-08-15T22:11:05","modified_gmt":"2025-08-15T20:11:05","slug":"jak-si-nastavit-dobu-splaceni-pujcky-aby-vas-nezatizila","status":"publish","type":"post","link":"https:\/\/financialtimes.cz\/?p=1238","title":{"rendered":"Jak si nastavit dobu spl\u00e1cen\u00ed p\u016fj\u010dky, aby v\u00e1s nezat\u00ed\u017eila"},"content":{"rendered":"\n

Vybrat si d\u00e9lku spl\u00e1cen\u00ed vypad\u00e1 jako jednoduch\u00e9 rozhodnut\u00ed. V\u00edc let \u2013 men\u0161\u00ed spl\u00e1tky. M\u00e9n\u011b let \u2013 rychle pry\u010d z dluhu. Jen\u017ee v praxi to nen\u00ed tak \u010dernob\u00edl\u00e9. Nejde jen o to, kolik po\u0161lete ka\u017ed\u00fd m\u011bs\u00edc, ale i o to, kolik v\u00e1s to ve fin\u00e1le bude st\u00e1t. A pr\u00e1v\u011b tady \u010dasto vznik\u00e1 p\u0159ekvapen\u00ed, proto\u017ee rozd\u00edl m\u016f\u017ee b\u00fdt opravdu velk\u00fd. N\u011bkdy a\u017e nep\u0159\u00edjemn\u011b.<\/p>\n\n\n\n

Co v\u0161echno hraje p\u0159i rozhodov\u00e1n\u00ed roli<\/h2>\n\n\n\n

Ne\u017e se pust\u00edte do konkr\u00e9tn\u00edch \u010d\u00edsel, zkuste se na chv\u00edli zastavit a proj\u00edt si sv\u00e9 finance. Ale opravdu d\u016fkladn\u011b. Vezm\u011bte t\u0159i posledn\u00ed v\u00fdpisy z \u00fa\u010dtu a zapi\u0161te ka\u017edou polo\u017eku \u2013 od n\u00e1jmu p\u0159es j\u00eddlo, energie a dopravu, a\u017e po k\u00e1vu cestou do pr\u00e1ce nebo ob\u011bd v restauraci. Ty mal\u00e9 v\u00fddaje b\u00fdvaj\u00ed zr\u00e1dn\u00e9. Kdy\u017e si je se\u010dtete, mo\u017en\u00e1 v\u00e1s v\u00fdsledek trochu zaraz\u00ed.<\/p>\n\n\n\n

Z \u010d\u00e1stky, kter\u00e1 v\u00e1m po ode\u010dten\u00ed b\u011b\u017en\u00fdch n\u00e1klad\u016f z\u016fstane, by spl\u00e1tka nem\u011bla ukrojit v\u00edc ne\u017e p\u0159ibli\u017en\u011b 70 %. Ide\u00e1ln\u00ed je m\u00edt rezervu, kter\u00e1 p\u0159\u00edpadn\u00fd ne\u010dekan\u00fd v\u00fddaj zvl\u00e1dne pokr\u00fdt, t\u0159eba kdy\u017e se v\u00e1m v jednom m\u011bs\u00edci rozbije pra\u010dka a auto z\u00e1rove\u0148.<\/p>\n\n\n\n

Dal\u0161\u00ed v\u011bc je jistota p\u0159\u00edjm\u016f. Pokud v\u00e1m ka\u017ed\u00fd m\u011bs\u00edc p\u0159istane na \u00fa\u010dtu stejn\u00e1 \u010d\u00e1stka, m\u00e1te lep\u0161\u00ed pozici pro krat\u0161\u00ed splatnost. Ale podnikatel\u00e9, lid\u00e9 na voln\u00e9 noze nebo ti s nepravideln\u00fdmi sm\u011bnami by m\u011bli b\u00fdt opatrn\u011bj\u0161\u00ed. V takov\u00fdch p\u0159\u00edpadech se hod\u00ed splatnost del\u0161\u00ed, proto\u017ee d\u00e1v\u00e1 prostor p\u0159e\u017e\u00edt slab\u0161\u00ed m\u011bs\u00edce bez nerv\u016f.<\/p>\n\n\n\n

A nezapome\u0148te na budouc\u00ed pl\u00e1ny. St\u011bhov\u00e1n\u00ed, rekonstrukce, zm\u011bna pr\u00e1ce, roz\u0161\u00ed\u0159en\u00ed rodiny\u2026 To v\u0161echno m\u016f\u017ee v\u00fddaje do\u010dasn\u011b zv\u00fd\u0161it nebo p\u0159\u00edjmy sn\u00ed\u017eit. Ony toti\u017e i pozitivn\u00ed zm\u011bny um\u00ed p\u011bkn\u011b zam\u00e1vat rozpo\u010dtem, tak\u017ee stoj\u00ed za to myslet i na n\u011b.<\/p>\n\n\n\n

Kr\u00e1tk\u00e1 splatnost znamen\u00e1 rychlej\u0161\u00ed zbaven\u00ed se dluh\u016f. M\u00e1 to v\u0161ak sv\u00e9 \u201eale\u201c<\/h2>\n\n\n\n

Kr\u00e1tk\u00e1 splatnost m\u00e1 jasn\u00e9 plusy, a to jsou men\u0161\u00ed celkov\u00e9 \u00faroky. U velk\u00fdch p\u016fj\u010dek se rozd\u00edl mezi t\u0159\u00edlet\u00fdm a p\u011btilet\u00fdm spl\u00e1cen\u00edm m\u016f\u017ee vy\u0161plhat i na des\u00edtky tis\u00edc korun. Nav\u00edc se zbav\u00edte dluhu rychleji, co\u017e p\u016fsob\u00ed dob\u0159e nejen na pen\u011b\u017eenku, ale i na psychiku. Kdy\u017e vid\u00edte, \u017ee se konec bl\u00ed\u017e\u00ed, sn\u00e1z se dr\u017e\u00edte pl\u00e1nu.<\/p>\n\n\n\n

Jak\u00fd je dal\u0161\u00ed skv\u011bl\u00fd efekt? Va\u0161e bonita. V\u011b\u0159itel\u00e9 vid\u00ed, \u017ee zvl\u00e1d\u00e1te spl\u00e1cet v krat\u0161\u00edm \u010dase, a to je pro n\u011b sign\u00e1l, \u017ee um\u00edte hospoda\u0159it s pen\u011bzi<\/a>. To se m\u016f\u017ee hodit, a\u017e budete \u017e\u00e1dat o jin\u00fd \u00fav\u011br.<\/p>\n\n\n\n

Ale je tu i odvr\u00e1cen\u00e1 strana mince. Vy\u0161\u0161\u00ed spl\u00e1tka m\u016f\u017ee rozpo\u010det napnout na maximum. Pak sta\u010d\u00ed jeden v\u011bt\u0161\u00ed nepl\u00e1novan\u00fd v\u00fddaj a m\u016f\u017eete se dostat do skluzu. Poplatky, pen\u00e1le\u2026 Spir\u00e1la se rozjede rychle. Proto je kr\u00e1tk\u00e1 splatnost bezpe\u010dn\u00e1 jen pro ty, kdo maj\u00ed opravdu stabiln\u00ed p\u0159\u00edjmy a jistou finan\u010dn\u00ed rezervu.<\/p>\n\n\n\n

Del\u0161\u00ed splatnost v\u00e1m p\u0159inese v\u00edce \u010dasu. Nen\u00ed to v\u0161ak zadarmo<\/h2>\n\n\n\n

Dlouh\u00e1 splatnost m\u00e1 jinou filozofii, a to klidn\u011bj\u0161\u00ed cash flow. M\u011bs\u00ed\u010dn\u00ed spl\u00e1tka je men\u0161\u00ed, tak\u017ee zbyde v\u00edc na b\u011b\u017en\u00fd \u017eivot, kon\u00ed\u010dky, d\u011btsk\u00e9 krou\u017eky nebo tvorbu \u00faspor. Rodiny s d\u011btmi i lid\u00e9 s ni\u017e\u0161\u00edmi p\u0159\u00edjmy \u010dasto vol\u00ed pr\u00e1v\u011b tuto cestu, proto\u017ee necht\u011bj\u00ed ka\u017ed\u00fd m\u011bs\u00edc po\u010d\u00edtat ka\u017edou korunu. Je tu tak\u00e9 efekt inflace. Co to je? Spl\u00e1c\u00edte st\u00e1le stejnou \u010d\u00e1stku, ale jej\u00ed re\u00e1ln\u00e1 hodnota \u010dasem kles\u00e1.<\/p>\n\n\n\n

Na druhou stranu, \u010d\u00edm d\u00e9le spl\u00e1c\u00edte, t\u00edm v\u00edc p\u0159eplat\u00edte na \u00faroc\u00edch. Proto se vyplat\u00ed p\u0159em\u00fd\u0161let, jestli do dlouh\u00e9 splatnosti nep\u0159idat pl\u00e1n na mimo\u0159\u00e1dn\u00e9 spl\u00e1tky, t\u0159eba z v\u00e1no\u010dn\u00edch pr\u00e9mi\u00ed, bonusu nebo da\u0148ov\u00e9ho p\u0159eplatku.<\/p>\n\n\n\n

V\u00fdhodou je ale tak\u00e9 vy\u0161\u0161\u00ed odolnost v\u016f\u010di ne\u010dekan\u00fdm ud\u00e1lostem. Kdy\u017e p\u0159ijde nenad\u00e1l\u00fd v\u00fddaj, ni\u017e\u0161\u00ed spl\u00e1tka v\u00e1s tolik neomez\u00ed. Nev\u00fdhodou je samoz\u0159ejm\u011b fakt, \u017ee p\u016fj\u010dka v\u00e1s bude prov\u00e1zet del\u0161\u00ed dobu.<\/p>\n\n\n\n

Jak se dostat k optim\u00e1ln\u00edmu \u0159e\u0161en\u00ed<\/h2>\n\n\n\n

Bez rozpo\u010dtu to nep\u016fjde. Zapi\u0161te si v\u0161echny p\u0159\u00edjmy a v\u00fddaje a nezapome\u0148te ani na ty, co se objevuj\u00ed jen ob\u010das. Poji\u0161t\u011bn\u00ed, servis auta, dovolen\u00e1, \u0161koln\u00ed pom\u016fcky\u2026 To v\u0161echno hraje roli.<\/p>\n\n\n\n

Pak si vyzkou\u0161ejte r\u016fzn\u00e9 varianty. Na str\u00e1nk\u00e1ch https:\/\/proficredit.cz\/pujcka-online<\/a> si m\u016f\u017eete nasimulovat, co se stane, kdy\u017e zkr\u00e1t\u00edte nebo prodlou\u017e\u00edte dobu spl\u00e1cen\u00ed. Nejde jen o m\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stku, ale i o celkovou sumu, kterou zaplat\u00edte.<\/p>\n\n\n\n

Polo\u017ete si jednoduchou ot\u00e1zku: Chci m\u00edt z\u00e1vazek z krku co nejd\u0159\u00edv, nebo rad\u011bji ka\u017ed\u00fd m\u011bs\u00edc voln\u011bj\u0161\u00ed rozpo\u010det? Mo\u017en\u00e1 v\u00e1s p\u0159ekvap\u00ed, \u017ee ide\u00e1lem m\u016f\u017ee b\u00fdt n\u011bco mezi, t\u0159eba st\u0159edn\u00ed doba spl\u00e1cen\u00ed a k tomu ob\u010dasn\u00e1 mimo\u0159\u00e1dn\u00e1 spl\u00e1tka.<\/p>\n\n\n\n

Mo\u017enost \u00faprav v pr\u016fb\u011bhu spl\u00e1cen\u00ed<\/h2>\n\n\n\n

Doba spl\u00e1cen\u00ed nen\u00ed nav\u017edy dan\u00e1. Pokud se v\u00e1m za\u010dne da\u0159it, m\u016f\u017eete spl\u00e1cet rychleji, tedy nav\u00fd\u0161it spl\u00e1tky nebo vlo\u017eit mimo\u0159\u00e1dnou platbu. T\u00edm si zkr\u00e1t\u00edte dobu a u\u0161et\u0159\u00edte na \u00faroc\u00edch.<\/p>\n\n\n\n

Naopak, pokud se dostanete do finan\u010dn\u00edch pot\u00ed\u017e\u00ed, lze po\u017e\u00e1dat o prodlou\u017een\u00ed splatnosti nebo do\u010dasn\u00e9 sn\u00ed\u017een\u00ed spl\u00e1tek. N\u011bkte\u0159\u00ed poskytovatel\u00e9 nab\u00edzej\u00ed i spl\u00e1tkov\u00e9 pr\u00e1zdniny. To m\u016f\u017ee b\u00fdt u\u017eite\u010dn\u00e9, kdy\u017e pot\u0159ebujete p\u00e1r m\u011bs\u00edc\u016f finan\u010dn\u011b \u201evoln\u011bji d\u00fdchat\u201c. Jen je dobr\u00e9 v\u011bd\u011bt, \u017ee \u00faroky mezit\u00edm b\u011b\u017e\u00ed d\u00e1l.<\/p>\n\n\n\n

Z\u00e1sadn\u00ed je v\u0161ak je komunikovat s v\u011b\u0159itelem v\u010das. Kdo se ozve je\u0161t\u011b p\u0159ed t\u00edm, ne\u017e se probl\u00e9m naplno projev\u00ed, m\u00e1 v\u011bt\u0161\u00ed \u0161anci na vst\u0159\u00edcn\u00e9 \u0159e\u0161en\u00ed.<\/p>\n\n\n\n

Praktick\u00e9 tipy na z\u00e1v\u011br<\/h2>\n\n\n\n
    \n
  • Nikdy si nenastavujte spl\u00e1tku na samotnou hranici sv\u00fdch mo\u017enost\u00ed. V\u017edy si nechte rezervu 20\u201330 %.<\/li>\n\n\n\n
  • Extra p\u0159\u00edjmy pou\u017eijte na mimo\u0159\u00e1dnou spl\u00e1tku, pom\u016f\u017ee to zkr\u00e1tit dobu a sn\u00ed\u017eit \u00faroky.<\/li>\n\n\n\n
  • V\u011bk hraje roli. Mlad\u0161\u00ed lid\u00e9 snesou del\u0161\u00ed splatnost, star\u0161\u00ed by m\u011bli rad\u011bji zkracovat.<\/li>\n\n\n\n
  • Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet je dobr\u00e1 ochrana p\u0159ed ne\u010dekan\u00fdmi \u017eivotn\u00edmi situacemi. D\u016fkladn\u011b si ale p\u0159e\u010dt\u011bte podm\u00ednky.<\/li>\n\n\n\n
  • Jednou ro\u010dn\u011b si p\u016fj\u010dku zrevidujte a zva\u017ete, jestli by se nevyplatilo n\u011bco zm\u011bnit.<\/li>\n<\/ul>\n\n\n\n

    Spr\u00e1vn\u011b nastaven\u00e1 splatnost nen\u00ed jen o matematice. Je to o tom, aby v\u00e1m fungovala v re\u00e1ln\u00e9m \u017eivot\u011b. A to dnes i za p\u00e1r let. A hlavn\u011b je d\u016fle\u017eit\u00e9, aby p\u016fj\u010dka slou\u017eila v\u00e1m, ne vy j\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Vybrat si d\u00e9lku spl\u00e1cen\u00ed vypad\u00e1 jako jednoduch\u00e9 rozhodnut\u00ed. V\u00edc let \u2013 men\u0161\u00ed spl\u00e1tky. M\u00e9n\u011b let \u2013 rychle pry\u010d z dluhu. Jen\u017ee v praxi to nen\u00ed tak \u010dernob\u00edl\u00e9. Nejde jen o to, kolik po\u0161lete ka\u017ed\u00fd m\u011bs\u00edc, ale i o to, kolik v\u00e1s to ve fin\u00e1le bude st\u00e1t. A pr\u00e1v\u011b tady \u010dasto vznik\u00e1 p\u0159ekvapen\u00ed, proto\u017ee rozd\u00edl m\u016f\u017ee […]<\/p>\n","protected":false},"author":1,"featured_media":1239,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40],"tags":[],"class_list":["post-1238","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"_links":{"self":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/1238","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1238"}],"version-history":[{"count":0,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/1238\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/media\/1239"}],"wp:attachment":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1238"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1238"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1238"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}