[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zemzah.cz\/kratka-lekce-financni-gramotnosti\/#Article","mainEntityOfPage":"https:\/\/www.zemzah.cz\/kratka-lekce-financni-gramotnosti\/","headline":"Kr\u00e1tk\u00e1 lekce finan\u010dn\u00ed gramotnosti","name":"Kr\u00e1tk\u00e1 lekce finan\u010dn\u00ed gramotnosti","description":"Platebn\u00ed karta Existuj\u00ed dva typy platebn\u00edch karet, a proto je nutn\u00e9 d\u00e1vat si pozor p\u0159i jejich zakl\u00e1d\u00e1n\u00ed. P\u0159i placen\u00ed debetn\u00ed kartou \u010derp\u00e1te pouze se sv\u00fdch…","datePublished":"2020-02-05","dateModified":"2023-06-14","author":{"@type":"Person","@id":"https:\/\/www.zemzah.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zemzah.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e0a4ee3123bc6cda06472cb29cefd2abfa18c894e6c63b3d8bc84df8da10f637?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e0a4ee3123bc6cda06472cb29cefd2abfa18c894e6c63b3d8bc84df8da10f637?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zemzah.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zemzah.cz\/wp-content\/uploads\/img_a370806_w4418_t1582523810.jpg","url":"https:\/\/www.zemzah.cz\/wp-content\/uploads\/img_a370806_w4418_t1582523810.jpg","height":0,"width":0},"url":"https:\/\/www.zemzah.cz\/kratka-lekce-financni-gramotnosti\/","about":["Finance"],"wordCount":448,"articleBody":"Platebn\u00ed kartaExistuj\u00ed dva typy platebn\u00edch karet, a proto je nutn\u00e9 d\u00e1vat si pozor p\u0159i jejich zakl\u00e1d\u00e1n\u00ed. P\u0159i placen\u00ed debetn\u00ed kartou \u010derp\u00e1te pouze se sv\u00fdch vlastn\u00edch pen\u011bz, m\u00e1te tedy lep\u0161\u00ed kontrolu nad sv\u00fdmi v\u00fddaji. Oproti tomu kreditn\u00ed karta slou\u017e\u00ed k \u010derp\u00e1n\u00ed nejen sv\u00fdch pen\u011bz, ale m\u016f\u017eete \u010derpat tak\u00e9 pen\u00edze z banky, kter\u00e9 je ov\u0161em pozd\u011bji nutn\u00e9 splatit (n\u011bkdy i s \u00farokem). Snadno se tak m\u016f\u017eete dostat do finan\u010dn\u00edch probl\u00e9m\u016f a dluh\u016f. KontokorentTento pojem ozna\u010duje p\u0159e\u010derp\u00e1n\u00ed va\u0161eho \u00fa\u010dtu. Tedy – kdy\u017e utrat\u00edte v\u0161echny sv\u00e9 finance, kter\u00e9 na \u00fa\u010dt\u011b m\u00e1te, a p\u016fj\u010dujete si dal\u0161\u00ed od banky. Na konci m\u011bs\u00edce nebo po obdr\u017een\u00ed v\u00fdplaty je vr\u00e1t\u00edte zp\u011bt. Pokud ne, riskujete dluhy, kter\u00e9 mohou \u010dasem p\u0159er\u016fst do soudn\u00edch spor\u016f, a vy se m\u016f\u017eete ocitnout na mizin\u011b. Tento syst\u00e9m p\u016fj\u010dek je spojen pr\u00e1v\u011b s kreditn\u00ed kartou. \u00darokTo je poplatek za p\u016fj\u010den\u00ed pen\u011bz od banky. Obvykle je ud\u00e1van\u00fd v procentech (tedy \u010d\u00edm v\u00edce pen\u011bz si p\u016fj\u010d\u00edte, t\u00edm v\u00edce p\u0159eplat\u00edte). Bance v\u017edy zaplat\u00edte v\u011bt\u0161\u00ed sumu pen\u011bz, ne\u017e kterou jste si p\u016fvodn\u011b p\u016fj\u010dili. P\u0159ed t\u00edm, ne\u017e si sjedn\u00e1te u banky p\u016fj\u010dku, si zjist\u011bte, kter\u00e1 z nich nab\u00edz\u00ed nejni\u017e\u0161\u00ed \u00farok. P\u016fj\u010dkaTy se d\u011bl\u00ed na dva typy, podle toho, za jak\u00fdm \u00fa\u010delem si chcete pen\u00edze p\u016fj\u010dit. Speci\u00e1ln\u00ed typ p\u016fj\u010dky na bydlen\u00ed (d\u016fm, byt, rekonstrukce) se naz\u00fdv\u00e1 hypot\u00e9ka a m\u00edv\u00e1 ni\u017e\u0161\u00ed \u00farok ne\u017e ostatn\u00ed p\u016fj\u010dky. Sjedn\u00e1v\u00e1 se na spoustu let a dlu\u017en\u00edci j\u00ed spl\u00e1c\u00ed i za dvacet let od p\u016fj\u010den\u00ed pen\u011bz. Druh\u00fdm typem p\u016fj\u010dky je \u00fav\u011br, kter\u00fd je na cokoli (krom\u011b bydlen\u00ed) a podle nutnosti dolo\u017een\u00ed faktury se d\u00e1le d\u011bl\u00ed na \u00fa\u010delov\u00fd (mus\u00edm dolo\u017eit, pro\u010d si chci pen\u00edze p\u016fj\u010dit) a ne\u00fa\u010delov\u00fd (p\u016fj\u010den\u00e9 pen\u00edze si mohu utratit za co chci). Doba fixaceObdob\u00ed, po kter\u00e9 banka zaru\u010duje, \u017ee nezm\u011bn\u00ed podm\u00ednky smlouvy, se naz\u00fdv\u00e1 doba fixace. Zpravidla trv\u00e1 okolo p\u011bti let. B\u011bhem t\u00e9to doby se \u00farok nezved\u00e1 ani nekles\u00e1, na druhou stranu v t\u00e9to dob\u011b tak\u00e9 mus\u00edte z\u016fstat u sv\u00e9 banky, a\u0165 u\u017e jste s n\u00ed spokojeni, nebo ne.                                                                                                                                                                                                                                                                                                                                                                                                 "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kr\u00e1tk\u00e1 lekce finan\u010dn\u00ed gramotnosti","item":"https:\/\/www.zemzah.cz\/kratka-lekce-financni-gramotnosti\/#breadcrumbitem"}]}]