{"id":1169,"date":"2016-07-12T21:05:12","date_gmt":"2016-07-12T19:05:12","guid":{"rendered":"https:\/\/financer.com\/cz\/?page_id=1169"},"modified":"2024-03-06T11:27:29","modified_gmt":"2024-03-06T10:27:29","slug":"urokova-kalkulacka","status":"publish","type":"page","link":"https:\/\/financer.com\/cz\/urokova-kalkulacka\/","title":{"rendered":"\u00daroky z p\u016fj\u010dky"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"rokov_kalkulaka_online\">\u00darokov\u00e1 kalkula\u010dka online<\/h2>\n\n\n\n<p>S na\u0161\u00ed online kalkula\u010dkou si m\u016f\u017eete rychle zjistit, <strong>kolik zaplat\u00edte za \u00fav\u011br \u010dist\u011b na \u00faroc\u00edch m\u011bs\u00ed\u010dn\u011b i ro\u010dn\u011b. <\/strong>Je to n\u00e1stroj skute\u010dn\u011b jen pro p\u0159ehled, detailn\u011bj\u0161\u00ed rozpis naleznete v na\u0161em <a href=\"https:\/\/financer.com\/cz\/osobni-finance\/kalkulacka\/splatkovy-kalkulator\/\">spl\u00e1tkov\u00e9m kalkul\u00e1toru.<\/a><\/p>\n\n\n\n<p><strong>\u00darokov\u00e9 n\u00e1klady jsou \u010dist\u011b jen n\u00e1klady na p\u016fj\u010dku plynouc\u00ed z \u00farok\u016f.<\/strong> Nejsou v n\u00ed zapo\u010d\u00edtan\u00e9 v\u0161echny dodate\u010dn\u00e9 n\u00e1klady, nap\u0159\u00edklad za poskytnut\u00ed p\u016fj\u010dky, jej\u00ed prodlou\u017een\u00ed, jej\u00ed spr\u00e1vu a dal\u0161\u00ed. V t\u00e9to kalkula\u010dce tedy zad\u00e1te jen celkovou v\u00fd\u0161i p\u016fj\u010dky a \u00farok (nikoli RPSN) a ihned vid\u00edte, kolik plat\u00edte \u010dist\u011b na \u00faroc\u00edch.<\/p>\n\n\n\n<p>Pokud v\u00edte,<strong> jakou v\u00fd\u0161i spl\u00e1tky v\u00e1m v\u00e1\u0161 rozpo\u010det <\/strong>dovol\u00ed, hod\u00ed se tato kalkula\u010dka k odhadu celkov\u00e9 hodnoty &#8222;bezpe\u010dn\u00e9&#8220; spl\u00e1tky. Pokud jste se na p\u016fj\u010dku takto zat\u00edm ned\u00edvali, tak je nejvy\u0161\u0161\u00ed \u010das s t\u00edm za\u010d\u00edt. Nejen celkov\u00e1 \u010d\u00e1stka, ale i v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky a v\u00fd\u0161e \u00faroku by pro v\u00e1s m\u011bli p\u0159edstavovat sm\u011brodatn\u00e9 informace.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Ron_procentn_sazba_nklad_RPSN_\">Ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f (RPSN) <\/h2>\n\n\n\n<p><a href=\"https:\/\/financer.com\/cz\/wiki\/urokova-sazba\/\">\u00darokov\u00e1 sazba<\/a> je z\u00e1kladn\u00ed ukazatel a rozhodn\u011b <strong>d\u016fle\u017eit\u00fd faktor<\/strong>. Jestli\u017ee ale chcete nal\u00e9zt co <a href=\"https:\/\/financer.com\/cz\/pujcky\/spotrebitelsky-uver\/\">nejlevn\u011bj\u0161\u00ed p\u016fj\u010dku<\/a>, <strong>je asi lep\u0161\u00ed spo\u010d\u00edtat rovnou ro\u010dn\u00ed procentu\u00e1ln\u00ed sazbu n\u00e1klad\u016f (RPSN), <\/strong>ve kter\u00e9 m\u00e1te zahrnut\u00e9 v\u0161echny n\u00e1klady na p\u016fj\u010dku. <\/p>\n\n\n\n<p>Takto si <strong>m\u016f\u017eete rychle porovnat mnoho nab\u00eddek<\/strong> a zjistit, kter\u00e1 je pro v\u00e1s skute\u010dn\u011b nejv\u00fdhodn\u011bj\u0161\u00ed. Pokud chcete vyu\u017e\u00edt tuto kalkula\u010dku, m\u016f\u017eete zadat rovnou i celkov\u00e9 RPSN.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Msn_roky_pro_rychl_pjky\">M\u011bs\u00ed\u010dn\u00ed \u00faroky pro rychl\u00e9 p\u016fj\u010dky<\/h2>\n\n\n\n<p>Je vcelku zbyte\u010dn\u00e9 d\u00edvat se po RSPN <a href=\"https:\/\/financer.com\/cz\/pujcky\/rychla-pujcka\/\">rychl\u00fdch p\u016fj\u010dek<\/a>, pokud jsou splatn\u00e9 jen do n\u011bkolika m\u00e1lo m\u011bs\u00edc\u016f, proto\u017ee <strong>RPSN je po\u010d\u00edt\u00e1no na rok a nikoli na m\u011bs\u00edce.<\/strong><\/p>\n\n\n\n<p>Nevytvo\u0159ili jsme kalkula\u010dku \u010dist\u011b pro rychl\u00e9 p\u016fj\u010dky, proto\u017ee u nich v\u0161ichni z\u00e1kazn\u00edci plat\u00ed stejn\u011b dan\u00e9 \u00faroky, narozd\u00edl od spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f, kde je \u00farokov\u00e1 m\u00edra individu\u00e1ln\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00darokov\u00e1 kalkula\u010dka online S na\u0161\u00ed online kalkula\u010dkou si m\u016f\u017eete rychle zjistit, kolik zaplat\u00edte za \u00fav\u011br \u010dist\u011b na \u00faroc\u00edch m\u011bs\u00ed\u010dn\u011b i\u2026 <\/p>\n","protected":false},"author":16452,"featured_media":51270,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false,"footnotes":""},"categories":[],"tags":[],"_links":{"self":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/pages\/1169"}],"collection":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/users\/16452"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/comments?post=1169"}],"version-history":[{"count":27,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/pages\/1169\/revisions"}],"predecessor-version":[{"id":52073,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/pages\/1169\/revisions\/52073"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/media\/51270"}],"wp:attachment":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/media?parent=1169"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/categories?post=1169"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/tags?post=1169"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}