{"id":2969,"date":"2017-02-25T15:43:20","date_gmt":"2017-02-25T14:43:20","guid":{"rendered":"https:\/\/financer.com\/cz\/?p=2969"},"modified":"2024-01-08T15:59:44","modified_gmt":"2024-01-08T14:59:44","slug":"nepujcovat-pratelum","status":"publish","type":"post","link":"https:\/\/financer.com\/cz\/blog\/nepujcovat-pratelum\/","title":{"rendered":"Pro\u010d (ne)p\u016fj\u010dit pen\u00edze bl\u00edzk\u00fdm?"},"content":{"rendered":"\n<p>Ka\u017ed\u00fd z n\u00e1s se n\u011bkdy ocitl v situaci, kdy<strong> n\u00e1s n\u011bkdo bl\u00edzk\u00fd po\u017e\u00e1dal o finan\u010dn\u00ed pomoc.<\/strong> Mo\u017en\u00e1 \u0161lo jen o p\u00e1r drobn\u00fdch na ob\u011bd, nebo o zna\u010dnou \u010d\u00e1stku, kterou jsme n\u00e1hle museli poskytnout. <\/p>\n\n\n\n<p>A\u0165 u\u017e jsou okolnosti jak\u00e9koli, <strong>p\u016fj\u010den\u00ed pen\u011bz bl\u00edzk\u00fdm je t\u00e9ma, kter\u00e9 vyvol\u00e1v\u00e1 rozpaky <\/strong>a vyvol\u00e1v\u00e1 d\u016fle\u017eit\u00e9 ot\u00e1zky. Je to vhodn\u00e9 a spr\u00e1vn\u00e9? Nebo je to riskantn\u00ed a ohro\u017euje to na\u0161e <a href=\"https:\/\/financer.com\/cz\/jak-na-to\/osobni-finance\/\">osobn\u00ed finance<\/a> a vztahy?<\/p>\n\n\n\n<p>P\u0159edstavte si, \u017ee v\u00e1\u0161 p\u0159\u00edbuzn\u00fd p\u0159ijde s prosbou o finan\u010dn\u00ed pomoc. M\u016f\u017ee to b\u00fdt va\u0161e<strong> sestra, kter\u00e1 pot\u0159ebuje zaplatit ne\u010dekan\u00e9 v\u00fddaje <\/strong>na opravu auta, nebo v\u00e1\u0161 nejlep\u0161\u00ed p\u0159\u00edtel, kter\u00fd se ocitl v t\u011b\u017ek\u00e9 \u017eivotn\u00ed situaci. <\/p>\n\n\n\n<p>Prvn\u00ed, co v\u00e1s napadne, je b\u00fdt tu pro n\u011b a pomoci jim p\u0159ekonat jejich finan\u010dn\u00ed pot\u00ed\u017ee. <strong>Skryt\u00e9 d\u016fsledky p\u016fj\u010den\u00ed pen\u011bz bl\u00edzk\u00fdm v\u0161ak mohou b\u00fdt velmi z\u00e1va\u017en\u00e9<\/strong> a p\u0159in\u00e1\u0161ej\u00ed s sebou nejen finan\u010dn\u00ed, ale i emocion\u00e1ln\u00ed n\u00e1roky.<\/p>\n\n\n\n<p>V\u00edce o tom, jak\u00e9 emocion\u00e1ln\u00ed a finan\u010dn\u00ed d\u016fsledky m\u016f\u017ee m\u00edt p\u016fj\u010den\u00ed pen\u011bz bl\u00edzk\u00fdm, a tak\u00e9 jak\u00e9 lep\u0161\u00ed alternativy p\u0159ich\u00e1zej\u00ed v \u00favahu, se dozv\u00edte v na\u0161em \u010dl\u00e1nku.<\/p>\n\n\n\t<div class=\"block-fn-toc\">\n\t\t\t\t\t<h3 class=\"block-fn-toc__title\">\n\t\t\t\tObsah \u010dl\u00e1nku\t\t\t<\/h3>\n\t\t\t\t<ul start=\"1\" class=\"block-fn-toc__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Finann_dsledky_pjen_penz_blzkm\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">1.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/blog\/nepujcovat-pratelum\/#Finann_dsledky_pjen_penz_blzkm\">\n\t\t\t\t\t\t\tFinan\u010dn\u00ed d\u016fsledky p\u016fj\u010den\u00ed pen\u011bz bl\u00edzk\u00fdm\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Emocionln_dsledky_pjen_penz_blzkm\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">2.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/blog\/nepujcovat-pratelum\/#Emocionln_dsledky_pjen_penz_blzkm\">\n\t\t\t\t\t\t\tEmocion\u00e1ln\u00ed d\u016fsledky p\u016fj\u010den\u00ed pen\u011bz bl\u00edzk\u00fdm\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Lep_alternativy_k_pjovn_blzkm\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">3.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/blog\/nepujcovat-pratelum\/#Lep_alternativy_k_pjovn_blzkm\">\n\t\t\t\t\t\t\tLep\u0161\u00ed alternativy k p\u016fj\u010dov\u00e1n\u00ed bl\u00edzk\u00fdm\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Finann_dsledky_pjen_penz_blzkm\">Finan\u010dn\u00ed d\u016fsledky p\u016fj\u010den\u00ed pen\u011bz bl\u00edzk\u00fdm<\/h2>\n\n\n\n<p>Jedn\u00edm z nej\u010dast\u011bj\u0161\u00edch a nejz\u0159eteln\u011bj\u0161\u00edch d\u016fsledk\u016f p\u016fj\u010dov\u00e1n\u00ed pen\u011bz bl\u00edzk\u00fdm osob\u00e1m je<strong> ztr\u00e1ta finan\u010dn\u00edch prost\u0159edk\u016f.<\/strong> Pokud p\u016fj\u010d\u00edte pen\u00edze bez \u0159\u00e1dn\u00e9ho p\u00edsemn\u00e9ho z\u00e1znamu a smlouvy, vystavujete se riziku, \u017ee v p\u0159\u00edpad\u011b nesplacen\u00ed bude obt\u00ed\u017en\u00e9 p\u016fvodn\u00ed dohodu prok\u00e1zat a z\u00edskat sv\u00e9 pen\u00edze zp\u011bt. <\/p>\n\n\n\n<p>I kdy\u017e se poda\u0159\u00ed dos\u00e1hnout dohody, existuje mo\u017enost, \u017ee <strong>na vr\u00e1cen\u00ed pen\u011bz budete muset \u010dekat mnohem del\u0161\u00ed dobu, <\/strong>co\u017e m\u016f\u017ee ovlivnit v\u00e1\u0161 vlastn\u00ed <a href=\"https:\/\/financer.com\/cz\/jak-na-to\/rodinny-rozpocet\/\">rodinn\u00fd rozpo\u010det <\/a>a pl\u00e1ny.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><p><\/p>\n<p>Krom\u011b finan\u010dn\u00ed ztr\u00e1ty m\u016f\u017ee p\u016fj\u010dov\u00e1n\u00ed pen\u011bz bl\u00edzk\u00fdm osob\u00e1m <strong>v\u00e9st tak\u00e9 k v\u00e1\u017en\u00fdm probl\u00e9m\u016fm s va\u0161\u00ed vlastn\u00ed finan\u010dn\u00ed situac\u00ed.<\/strong><\/p>\n<p> <\/p>\n<p>Pokud nem\u00e1te dostatek prost\u0159edk\u016f a nem\u00e1te dostate\u010dn\u00fd pohotovostn\u00ed fond, <strong>m\u016f\u017ee p\u016fj\u010dov\u00e1n\u00ed pen\u011bz naru\u0161it v\u00e1\u0161 vlastn\u00ed rozpo\u010det<\/strong> a p\u0159iv\u00e9st v\u00e1s do za\u010darovan\u00e9ho <a href=\"https:\/\/financer.com\/cz\/jak-na-to\/zbaveni-se-dluhu\/\">kruhu dluh\u016f. <\/a><\/p>\n<p> <\/p>\n<p>T\u00edm, \u017ee se zav\u00e1\u017eete k finan\u010dn\u00ed pomoci, <strong>m\u016f\u017eete ohrozit svou schopnost spl\u00e1cet vlastn\u00ed dluhy<\/strong> a vytv\u00e1\u0159et dostate\u010dn\u00e9 rezervy do budoucna.<\/p>\n<p><\/p><\/div>\n\n\n<p>Dal\u0161\u00edm d\u016fle\u017eit\u00fdm aspektem, kter\u00fd je t\u0159eba p\u0159i p\u016fj\u010dov\u00e1n\u00ed pen\u011bz bl\u00edzk\u00fdm osob\u00e1m zv\u00e1\u017eit, je<strong> tlak na vztahy.<\/strong> Finan\u010dn\u00ed z\u00e1le\u017eitosti b\u00fdvaj\u00ed p\u0159\u00ed\u010dinou nap\u011bt\u00ed a konflikt\u016f mezi lidmi, a to i mezi bl\u00edzk\u00fdmi p\u0159\u00edbuzn\u00fdmi a p\u0159\u00e1teli. <\/p>\n\n\n\n<p>Pokud se stanete v\u011b\u0159itelem sv\u00fdch bl\u00edzk\u00fdch, <strong>m\u016f\u017ee to v\u00e9st k pocit\u016fm nejistoty, <\/strong>ned\u016fv\u011bry a dokonce k v\u00e1\u017en\u00e9mu rozpadu vztahu. Pokud nen\u00ed dluh splacen v\u010das, m\u016f\u017ee to v\u00e9st k dlouhodob\u00fdm neshod\u00e1m a rozchod\u016fm, ze kter\u00fdch se lze jen t\u011b\u017eko vzpamatovat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Emocionln_dsledky_pjen_penz_blzkm\">Emocion\u00e1ln\u00ed d\u016fsledky p\u016fj\u010den\u00ed pen\u011bz bl\u00edzk\u00fdm<\/h2>\n\n\n\n<p>Pravd\u011bpodobn\u011b nej\u010dast\u011bj\u0161\u00edm d\u016fsledkem p\u016fj\u010den\u00ed pen\u011bz bl\u00edzk\u00fdm osob\u00e1m je <strong>vznik nap\u011bt\u00ed v rodin\u011b nebo mezi p\u0159\u00e1teli. <\/strong>Finan\u010dn\u00ed z\u00e1le\u017eitosti b\u00fdvaj\u00ed p\u0159\u00ed\u010dinou konflikt\u016f a neshod, zejm\u00e9na pokud nejsou dodr\u017eeny dohodnut\u00e9 podm\u00ednky spl\u00e1cen\u00ed. <\/p>\n\n\n\n<p>Pokud se stane, \u017ee va\u0161e bl\u00edzk\u00e1 osoba nespln\u00ed sv\u00e9 z\u00e1vazky v term\u00ednu splatnosti, m\u016f\u017ee to zp\u016fsobit <strong>vz\u00e1jemn\u00e9 neshody, obvi\u0148ov\u00e1n\u00ed a naru\u0161en\u00ed harmonie ve vztahu. <\/strong>Vznikl\u00e9 nap\u011bt\u00ed m\u016f\u017ee m\u00edt negativn\u00ed dopad nejen na v\u00e1s, ale i na ostatn\u00ed \u010dleny va\u0161\u00ed rodiny nebo skupiny p\u0159\u00e1tel.<\/p>\n\n\n\n<p>Dal\u0161\u00edm emocion\u00e1ln\u00edm d\u016fsledkem p\u016fj\u010dov\u00e1n\u00ed pen\u011bz bl\u00edzk\u00fdm osob\u00e1m je <strong>pocit nedostatku d\u016fv\u011bry. <\/strong>Kdy\u017e se rozhodnete poskytnout finan\u010dn\u00ed pomoc, o\u010dek\u00e1v\u00e1te, \u017ee va\u0161e pen\u00edze budou \u0159\u00e1dn\u011b vr\u00e1ceny. <\/p>\n\n\n\n<p>Pokud v\u0161ak nastanou probl\u00e9my se spl\u00e1cen\u00edm dluhu, m\u016f\u017ee to ve v\u00e1s vyvolat pocit ned\u016fv\u011bry v\u016f\u010di va\u0161\u00ed bl\u00edzk\u00e9 osob\u011b. Tento nedostatek d\u016fv\u011bry<strong> m\u016f\u017ee v\u00e9st k v\u00e1\u017en\u00e9mu naru\u0161en\u00ed vztahu <\/strong>a vytvo\u0159it bari\u00e9ru mezi v\u00e1mi a va\u0161\u00edm bl\u00edzk\u00fdm.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p><\/p>\n<p>P\u016fj\u010dov\u00e1n\u00ed pen\u011bz bl\u00edzk\u00fdm osob\u00e1m nav\u00edc \u010dasto prov\u00e1zej\u00ed <strong>vysok\u00e1 o\u010dek\u00e1v\u00e1n\u00ed obou stran. <\/strong>Vy jako v\u011b\u0159itel o\u010dek\u00e1v\u00e1te, \u017ee va\u0161e pomoc bude ocen\u011bna a pen\u00edze budou vr\u00e1ceny v dohodnut\u00e9m term\u00ednu.<\/p>\n<p> <\/p>\n<p>Na druh\u00e9 stran\u011b dlu\u017en\u00edk m\u016f\u017ee c\u00edtit tlak a o\u010dek\u00e1v\u00e1n\u00ed, \u017ee bude schopen splnit va\u0161e po\u017eadavky. <strong>Toto oboustrann\u00e9 o\u010dek\u00e1v\u00e1n\u00ed m\u016f\u017ee vyvolat nap\u011bt\u00ed a stres, <\/strong>zejm\u00e9na pokud se nepoda\u0159\u00ed dos\u00e1hnout dohody o zp\u016fsobu spl\u00e1cen\u00ed nebo pokud se objev\u00ed dal\u0161\u00ed finan\u010dn\u00ed pot\u00ed\u017ee.<\/p>\n<p><\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Lep_alternativy_k_pjovn_blzkm\">Lep\u0161\u00ed alternativy k p\u016fj\u010dov\u00e1n\u00ed bl\u00edzk\u00fdm<\/h2>\n\n\n\n<p>Jak jste se mohli p\u0159esv\u011bd\u010dit, p\u016fj\u010dov\u00e1n\u00ed pen\u011bz bl\u00edzk\u00fdm osob\u00e1m m\u016f\u017ee m\u00edt sv\u00e1 rizika a negativn\u00ed d\u016fsledky. Z tohoto d\u016fvodu je<strong> d\u016fle\u017eit\u00e9 si uv\u011bdomit, \u017ee existuj\u00ed lep\u0161\u00ed alternativy, <\/strong>kter\u00e9 n\u00e1m umo\u017en\u00ed pomoci na\u0161im bl\u00edzk\u00fdm, ani\u017e bychom ohrozili na\u0161e vztahy a finan\u010dn\u00ed stabilitu.<\/p>\n\n\n<h4>Kroky<\/h4><div class=\"single-article__steps-toc_step\"><a href=\"#step_1\">1. Komunikace<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_2\">2. Vytvo\u0159en\u00ed finan\u010dn\u00edho pl\u00e1nu<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_3\">3. Finan\u010dn\u00ed vzd\u011bl\u00e1v\u00e1n\u00ed<\/a><\/div><div class=\"single-article__steps\"> <style>\n .single-article__steps-items .single-article__steps-content{\n background:#FFFFFF;\n padding:30px;\n margin:0 0 30px 0;\n border-radius:10px;\n box-shadow:0 0 10px 0 rgba(0,0,0,0.14);\n width:calc(100% - 5px);\n}\n .single-article__steps-items .single-article__steps-counter{\n padding:5px 20px;\n border-radius:3px;\n background-color:#F5E7D8;\n display:inline-block;\n top:15px;\n left:-30px;\n position:relative;\n font-size:16px;\n font-weight:600;\n}\n\/* .single-article__steps-items::before{\n content:\"\";\n position:absolute;\n top:20px;\n left:0;\n height:calc(100% + 40px);\n border-left:2px dashed #e0e0e1;\n}*\/\n .single-article__conclusion-tag{\n padding:5px 20px;\n border-radius:3px;\n color:#000000;\n background-color:#F5E7D8;\n display:inline-block;\n top:15px;\n left:-30px;\n position:relative;\n font-size:16px;\n font-weight:600;\n}\n .single-article__conclusion-item{\n background:#FFFFFF;\n padding:30px;\n margin:0 0 30px 0;\n border-radius:10px;\n box-shadow:0 0 10px 0 rgba(0,0,0,0.14);\n}\n <\/style>\n <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">Krok 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Komunikace\">Komunikace<\/h3><p><strong>Kl\u00ed\u010dov\u00e1 je komunikace.<\/strong>\u00a0Pokud za v\u00e1mi p\u0159ijde bl\u00edzk\u00e1 osoba s \u017e\u00e1dost\u00ed o p\u016fj\u010dku, je d\u016fle\u017eit\u00e9 s n\u00ed v\u00e9st otev\u0159enou a up\u0159\u00edmnou diskusi. D\u016fkladn\u011b projd\u011bte jej\u00ed finan\u010dn\u00ed situaci a spole\u010dn\u011b rozeberte d\u016fvody, pro\u010d pen\u00edze pot\u0159ebuje.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Krok 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Vytvoreni-financniho-planu\">Vytvo\u0159en\u00ed finan\u010dn\u00edho pl\u00e1nu<\/h3><p>Zam\u011b\u0159te se na\u00a0<strong>vytvo\u0159en\u00ed finan\u010dn\u00edho pl\u00e1nu, kter\u00fd j\u00ed pom\u016f\u017ee zlep\u0161it finan\u010dn\u00ed stabilitu.\u00a0<\/strong>Spole\u010dn\u011b m\u016f\u017eete p\u0159ezkoumat v\u00fddaje, navrhnout \u00fasporn\u00e1 opat\u0159en\u00ed a hledat zp\u016fsoby, jak zv\u00fd\u0161it p\u0159\u00edjem. D\u016fle\u017eit\u00e9 je podpo\u0159it ji v procesu \u0159e\u0161en\u00ed jej\u00edch finan\u010dn\u00edch probl\u00e9m\u016f.<\/p><\/div><\/div> <div class=\"single-article__conclusion\">\n <div class=\"single-article__conclusion-tag alt\" id=\"step_3\">Krok 3<\/div><div class=\"single-article__conclusion-item\"><div class=\"single-article__conclusion-content\"><h3 id=\"Financni-vzdelavani\">Finan\u010dn\u00ed vzd\u011bl\u00e1v\u00e1n\u00ed<\/h3><p>Dal\u0161\u00edm d\u016fle\u017eit\u00fdm krokem je<strong>\u00a0sezn\u00e1mit ji s mo\u017enostmi finan\u010dn\u00edho vzd\u011bl\u00e1v\u00e1n\u00ed.\u00a0<\/strong>Mnoha lidem chyb\u00ed znalosti o hospoda\u0159en\u00ed s pen\u011bzi a\u00a0<a href=\"https:\/\/financer.com\/cz\/jak-na-to\/financni-gramotnost\/\">finan\u010dn\u00ed gramotnosti.<\/a> Existuje mnoho vzd\u011bl\u00e1vac\u00edch zdroj\u016f a materi\u00e1l\u016f, kter\u00e9 m\u016f\u017eete doporu\u010dit.<\/p>\n<p>M\u016f\u017eete j\u00ed navrhnout, aby absolvovala kurzy o hospoda\u0159en\u00ed s pen\u011bzi, p\u0159e\u010detla si knihy o finan\u010dn\u00ed gramotnosti nebo se pod\u00edvala na online videa a webov\u00e9 semin\u00e1\u0159e. \u00a0<\/p>\n<p>Tyto zdroje jist\u011b poskytnou u\u017eite\u010dn\u00e9 n\u00e1stroje pro vytvo\u0159en\u00ed finan\u010dn\u00edho pl\u00e1nu, sestaven\u00ed rozpo\u010dtu a spr\u00e1vu financ\u00ed. <strong>Pomoci mohou tak\u00e9 \u010dl\u00e1nky, kter\u00e9 publikujeme na Financer.com.<\/strong><\/p><\/div><\/div> <\/div>\n <\/div>\n\n\n<p>V dne\u0161n\u00ed dob\u011b maj\u00ed va\u0161i bl\u00edzc\u00ed tak\u00e9 dal\u0161\u00ed mo\u017enosti, jak si p\u016fj\u010dit pen\u00edze, ne\u017e u <a href=\"https:\/\/financer.com\/cz\/recenze-bank\/\">bankovn\u00edch<\/a> i <a href=\"https:\/\/financer.com\/cz\/hodnoceni-nebankovnich-pujcek\/\">nebankovn\u00edch spole\u010dnost\u00ed<\/a>. Jednou z nich je nap\u0159\u00edklad <a href=\"https:\/\/financer.com\/cz\/pujcky\/od-lidi\/\">P2P p\u016fj\u010dky. <\/a>Jedn\u00e1 se o <strong>platformy, kter\u00e9 umo\u017e\u0148uj\u00ed jednotlivc\u016fm p\u016fj\u010dit si pen\u00edze od jin\u00fdch jednotlivc\u016f. <\/strong>Tyto platformy poskytuj\u00ed v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky ne\u017e tradi\u010dn\u00ed finan\u010dn\u00ed instituce a jsou i rychlej\u0161\u00ed.<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\" id=\"comparison_table_fields\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.com\/cz\/spolecnost\/zonky\/\" class=\"items-content__card-logo \" ><img width=\"360\" height=\"110\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/10\/2017\/11\/untitled-project-2.jpg\" class=\"attachment-full size-full\" alt=\"\" decoding=\"async\" srcset=\"https:\/\/financer.com\/app\/uploads\/sites\/10\/2017\/11\/untitled-project-2.jpg 360w, https:\/\/financer.com\/app\/uploads\/sites\/10\/2017\/11\/untitled-project-2-300x92.jpg 300w\" sizes=\"(max-width: 360px) 100vw, 360px\" \/><\/a><span class=\"items-content__card-chosen\">Vybran\u00fd <strong>6&nbsp;092<\/strong> kr\u00e1t<\/span><ul class=\"items-content__card-list\"><li >\u00darokov\u00e1 sazba ji\u017e od 4,49 %<\/li><li >P\u016fj\u010dka od 5 000 do 1 200 000 K\u010d<\/li><li >Pen\u00edze na \u00fa\u010dtu do 24 hodin<\/li><li >P\u0159ehledn\u00e9 podm\u00ednky a principy p\u016fj\u010dek<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minim\u00e1ln\u00ed v\u00fd\u0161e p\u016fj\u010dky<\/span><span class=\"items-content__card-datapoint-value\">5000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Maxim\u00e1ln\u00ed v\u00fd\u0161e p\u016fj\u010dky<\/span><span class=\"items-content__card-datapoint-value\">1200000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Nejni\u017e\u0161\u00ed RPSN<\/span><span class=\"items-content__card-datapoint-value\">4.99<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Nejvy\u0161\u0161\u00ed RPSN<\/span><span class=\"items-content__card-datapoint-value\">8.97<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minim\u00e1ln\u00ed d\u00e9lka spl\u00e1cen\u00ed<\/span><span class=\"items-content__card-datapoint-value\">1 rok<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Maxim\u00e1ln\u00ed doba spl\u00e1cen\u00ed<\/span><span class=\"items-content__card-datapoint-value\">10 roky(\u016f)<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Akceptuje z\u00e1znamy v registrech<\/span><span class=\"items-content__card-datapoint-value\">Ne . <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minimum Age<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.com\/cz\/spolecnost\/zonky\/?unq=6635085ecd4eb\" data-url_param_unq=\"6635085ecd4eb\" data-url_param_pid=\"1715\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Prohl\u00e9dnout si nab\u00eddku<\/a><a href=\"https:\/\/financer.com\/cz\/spolecnost\/zonky\/\" class=\"button is-rounded items-content__card-more-info\">V\u00edce informac\u00ed<\/a><a href=\"https:\/\/financer.com\/cz\/spolecnost\/zonky\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.4\">4.4<\/span><\/a><span class=\"items-content__card-reviews\"> Pro p\u0159e\u010dten\u00ed&nbsp;<a href=\"https:\/\/financer.com\/cz\/spolecnost\/zonky\/#read-reviews\">49<\/strong>&nbsp;hodnocen\u00ed<\/a><\/div><\/div><div class=\"items-content__card-description\" >Reprezentativn\u00ed p\u0159\u00edklad se t\u00fdk\u00e1 p\u016fj\u010dky ve v\u00fd\u0161i 150 000 K\u010d s pevnou \u00farokovou sazbou 6,99 % ro\u010dn\u011b, se splatnost\u00ed 60 m\u011bs\u00edc\u016f, spl\u00e1tkou 3 030 K\u010d, posledn\u00ed spl\u00e1tkou 2 968,38 K\u010d, jednor\u00e1zov\u00fdm 2% poplatkem z v\u00fd\u0161e p\u016fj\u010dky (zde 3 000 K\u010d rozpo\u010d\u00edtan\u00fd do prvn\u00edch 3 spl\u00e1tek p\u016fj\u010dky) a s v\u00fdslednou RPSN 8,11 %. Celou v\u00fd\u0161i p\u016fj\u010dky vyplat\u00edme na \u00fa\u010det klienta. Celkem klient zaplat\u00ed 181 738,38 K\u010d.<\/div><\/div><\/div><\/div>\n\n\n<p>Pro ty, kte\u0159\u00ed hledaj\u00ed <strong>alternativn\u00ed zp\u016fsob investov\u00e1n\u00ed sv\u00fdch prost\u0159edk\u016f,<\/strong> m\u016f\u017ee b\u00fdt dal\u0161\u00ed atraktivn\u00ed mo\u017enost\u00ed tak\u00e9 <a href=\"https:\/\/financer.com\/cz\/uspory\/p2p-investice\/\">P2P investov\u00e1n\u00ed. <\/a>Tyto platformy umo\u017e\u0148uj\u00ed investor\u016fm sdru\u017eovat finan\u010dn\u00ed prost\u0159edky a poskytovat je jin\u00fdm jednotlivc\u016fm nebo podnik\u016fm v\u00fdm\u011bnou za \u00faroky a investi\u010dn\u00ed v\u00fdnosy.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p><\/p>\n<p>Pokud se v budoucnu ocitnete v situaci, kdy v\u00e1s n\u011bkdo bl\u00edzk\u00fd po\u017e\u00e1d\u00e1 o p\u016fj\u010dku pen\u011bz, <strong>nezapome\u0148te na d\u016fle\u017eitost komunikace a otev\u0159en\u00e9 diskuse<\/strong>.<\/p>\n<p> <\/p>\n<p>Pokuste se naj\u00edt spole\u010dn\u00e1 \u0159e\u0161en\u00ed a nab\u00eddn\u011bte alternativy, kter\u00e9 jim pomohou s \u0159e\u0161en\u00edm jej\u00ed finan\u010dn\u00ed situace.<\/p>\n<p> <\/p>\n<p>Nezapom\u00ednejme, \u017ee pomoc bl\u00edzk\u00fdm by m\u011bla b\u00fdt zalo\u017eena na vz\u00e1jemn\u00e9m porozum\u011bn\u00ed a zodpov\u011bdn\u00e9m p\u0159\u00edstupu k finan\u010dn\u00edm z\u00e1le\u017eitostem.<\/p>\n<p><\/p><\/div>","protected":false},"excerpt":{"rendered":"<p>Ka\u017ed\u00fd z n\u00e1s se n\u011bkdy ocitl v situaci, kdy n\u00e1s n\u011bkdo bl\u00edzk\u00fd po\u017e\u00e1dal o finan\u010dn\u00ed pomoc. Mo\u017en\u00e1 \u0161lo jen o\u2026 <\/p>\n","protected":false},"author":16452,"featured_media":2973,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","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":[76],"tags":[],"_links":{"self":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/posts\/2969"}],"collection":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/types\/post"}],"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=2969"}],"version-history":[{"count":30,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/posts\/2969\/revisions"}],"predecessor-version":[{"id":45800,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/posts\/2969\/revisions\/45800"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/media\/2973"}],"wp:attachment":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/media?parent=2969"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/categories?post=2969"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/tags?post=2969"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}