[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.chequepoint.cz\/chcete-zmenu-k-lepsimu\/#Article","mainEntityOfPage":"https:\/\/www.chequepoint.cz\/chcete-zmenu-k-lepsimu\/","headline":"Chcete zm\u011bnu k lep\u0161\u00edmu?","name":"Chcete zm\u011bnu k lep\u0161\u00edmu?","description":"Kdy\u017e lid\u00e9 pot\u0159ebuj\u00ed n\u011bjak\u00e9 pen\u00edze, ale nemaj\u00ed je, \u010dasto to vy\u0159e\u0161\u00ed t\u00edm, \u017ee si n\u011bjak\u00e9 p\u016fj\u010d\u00ed. A v z\u00e1sad\u011b se proti tomuto rozhodnut\u00ed ned\u00e1 nic nam\u00edtat. Jen\u017ee m\u00e1-li p\u016fj\u010dka \u010dlov\u011bku...","datePublished":"2021-09-25","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.chequepoint.cz\/author\/#Person","name":"","url":"https:\/\/www.chequepoint.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"chequepoint.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.chequepoint.cz\/wp-content\/uploads\/dolarov%C3%BD%20r%C5%AFst.jpg","url":"https:\/\/www.chequepoint.cz\/wp-content\/uploads\/dolarov%C3%BD%20r%C5%AFst.jpg","height":0,"width":0},"url":"https:\/\/www.chequepoint.cz\/chcete-zmenu-k-lepsimu\/","about":["Finance"],"wordCount":445,"articleBody":"   Kdy\u017e lid\u00e9 pot\u0159ebuj\u00ed n\u011bjak\u00e9 pen\u00edze, ale nemaj\u00ed je, \u010dasto to vy\u0159e\u0161\u00ed t\u00edm, \u017ee si n\u011bjak\u00e9 p\u016fj\u010d\u00ed. A v z\u00e1sad\u011b se proti tomuto rozhodnut\u00ed ned\u00e1 nic nam\u00edtat. Jen\u017ee m\u00e1-li p\u016fj\u010dka \u010dlov\u011bku prosp\u011bt, mus\u00ed b\u00fdt dost v\u00fdhodn\u00e1 a zvladateln\u00e1. A proto si \u010dlov\u011bk v takov\u00e9 situaci vyb\u00edr\u00e1 to, co je pro n\u011bj v\u0161estrann\u011b nejv\u00fdhodn\u011bj\u0161\u00ed. Jen\u017ee ona takov\u00e1 zvolen\u00e1 p\u016fj\u010dka nejv\u00fdhodn\u011bj\u0161\u00ed b\u00fdt nemus\u00ed. Respektive m\u016f\u017ee b\u00fdt dokonal\u00e1, ale jen v dan\u00e9m okam\u017eiku, a n\u00e1sledn\u011b u\u017e ne. Proto\u017ee konkurence nikdy nesp\u00ed.A tak m\u016f\u017ee kdekdo jednoho dne zjistit, \u017ee t\u0159eba spl\u00e1c\u00ed v\u00edc, ne\u017e by nezbytn\u011b musel. Nebo plat\u00ed p\u0159\u00edli\u0161 vysok\u00e9 \u00faroky, spl\u00e1c\u00ed po nevyhovuj\u00edc\u00edch spl\u00e1tk\u00e1ch po p\u0159\u00edli\u0161 dlouhou nebo naopak velice kr\u00e1tkou dobu. P\u0159\u00edpadn\u011b se mohou u jeho p\u016fj\u010dky vyskytnout v obdob\u00ed fixace nebo i jindy n\u011bjak\u00e9 dal\u0161\u00ed nedostatky. A pak aby doty\u010dn\u00fd litoval, \u017ee si vzal tu p\u016fj\u010dku, kterou si vzal, a ne n\u011bjakou lep\u0161\u00ed.Ale ne v\u017edy je na m\u00edst\u011b l\u00edtost. N\u011bkdy je daleko lep\u0161\u00ed se zasadit o to, aby se dos\u00e1hlo zm\u011bny k lep\u0161\u00edmu. A takov\u00e1 mo\u017enost tu leckdy je. \u0158\u00edk\u00e1 se j\u00ed refinancov\u00e1n\u00ed hypot\u00e9ky a spo\u010d\u00edv\u00e1 ve sv\u00e9 podstat\u011b v tom, \u017ee se dosavadn\u00ed p\u016fj\u010dka vym\u011bn\u00ed za jinou, lep\u0161\u00ed.Kdy\u017e je tu ta mo\u017enost, d\u00e1 se zkr\u00e1tka nov\u011b dohodnout s poskytovatelem n\u011bjak\u00e9 t\u00e9 lep\u0161\u00ed p\u016fj\u010dky, \u017ee si ji \u010dlov\u011bk vezme a takto z\u00edskan\u00fdmi pen\u011bzi vyplat\u00ed to, co mu v dan\u00e9 chv\u00edli t\u0159eba i vis\u00ed na krku jako t\u011b\u017ek\u00fd balvan. \u010c\u00edm\u017e je star\u00e1 p\u016fj\u010dka vy\u0159\u00edzen\u00e1 a dlu\u017en\u00edk nov\u011b spl\u00e1c\u00ed u\u017e jen onu novou, je\u0161t\u011b lep\u0161\u00ed p\u016fj\u010dku, kter\u00e1 je t\u0159eba levn\u011bj\u0161\u00ed nebo nab\u00edz\u00ed n\u011bjak\u00e9 jin\u00e9 p\u0159ednosti, jako jsou t\u0159eba optim\u00e1ln\u011bj\u0161\u00ed spl\u00e1tky a d\u00e9lka spl\u00e1cen\u00ed, v\u00fd\u0161e p\u016fj\u010den\u00e9 \u010d\u00e1stky a podobn\u011b.Kdy\u017e zkr\u00e1tka n\u011bkdo m\u00e1 tu mo\u017enost a refinancuje st\u00e1vaj\u00edc\u00ed p\u016fj\u010dku za novou, polep\u0161\u00ed si, a to klidn\u011b i citeln\u011b. A proto by se m\u011bl ka\u017ed\u00fd v\u017edy zaj\u00edmat o to, ne\u0161lo-li by jeho p\u016fj\u010dku tak\u00e9 refinancovat. Proto\u017ee na tom se t\u0159eba i hodn\u011b u\u0161et\u0159\u00ed. A o pen\u00edze n\u00e1m p\u0159ece jde p\u0159edev\u0161\u00edm.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Chcete zm\u011bnu k lep\u0161\u00edmu?","item":"https:\/\/www.chequepoint.cz\/chcete-zmenu-k-lepsimu\/#breadcrumbitem"}]}]