{"id":1260,"date":"2019-09-16T10:13:54","date_gmt":"2019-09-16T08:13:54","guid":{"rendered":"https:\/\/www.pricemania.sk\/blog\/ked-si-potrebujeme-pozicat\/"},"modified":"2019-09-16T10:13:54","modified_gmt":"2019-09-16T08:13:54","slug":"ked-si-potrebujeme-pozicat","status":"publish","type":"post","link":"https:\/\/www.pricemania.sk\/blog\/ked-si-potrebujeme-pozicat\/","title":{"rendered":"Ke\u010f si potrebujeme po\u017ei\u010da\u0165"},"content":{"rendered":"

Mo\u017eno by ste neverili, ale existuj\u00fa \u013eudia, ktor\u00ed si vezm\u00fa p\u00f4\u017ei\u010dku, hoci ju nutne nepotrebuj\u00fa, ale chc\u00fa si vysk\u00fa\u0161a\u0165, ako funguje p\u00f4\u017ei\u010dkov\u00fd syst\u00e9m. Niekomu to m\u00f4\u017ee pripada\u0165 \u010dudn\u00e9, ale nie je to zl\u00fd n\u00e1pad, ak spln\u00ed svoj \u00fa\u010del. Mo\u017eno to vyznie paradoxne, ale aj p\u00f4\u017ei\u010dka n\u00e1s m\u00f4\u017ee nau\u010di\u0165 istej zodpovednosti.<\/p>\n

\"shutterstock<\/strong><\/a><\/p>\n

<\/p>\n

Ke\u010f \u0161trajkuje \u0161tvorkolesov\u00fd t\u00e1to\u0161<\/strong>
Ka\u017ed\u00fd majite\u013e auta vie, o \u010dom je re\u010d. M\u00f4\u017eeme sa akoko\u013evek dobre stara\u0165 o svojho mil\u00e1\u010dika, predsa len, pr\u00edde okamih, ke\u010f n\u00e1m vypovie slu\u017ebu kv\u00f4li dlhovekosti alebo jednoducho mu nie\u010do \u201eod\u00edde.\u201c Treba po\u010d\u00edta\u0165 aj s tak\u00fdmito situ\u00e1ciami a ak sa d\u00e1, pripravi\u0165 sa na ne aj po finan\u010dnej str\u00e1nke. Ale povedzme si \u00faprimne, ko\u013ek\u00ed nem\u00e1me peniaze nazvy\u0161 a ke\u010f sa n\u00e1m auto pokaz\u00ed, siahneme po p\u00f4\u017ei\u010dke.
Dnes o po\u017ei\u010danie pe\u0148az\u00ed rozhodne nie je n\u00fadza, dokonca existuje priamo p\u00f4\u017ei\u010dka na auto<\/a>. Ak sa ocitneme v takejto situ\u00e1cii, treba si polo\u017ei\u0165 z\u00e1kladn\u00e9 ot\u00e1zky- ko\u013eko, na ak\u00fa dlh\u00fa dobu, v\u00fd\u0161ka mesa\u010dnej spl\u00e1tky a pod. Od v\u00fd\u0161ky po\u017ei\u010danej sumy sa odv\u00edja \u00farok, v\u00fd\u0161ka mesa\u010dnej spl\u00e1tky a aj doba spl\u00e1cania.<\/p>\n

P\u00f4\u017ei\u010dka s rozumom<\/strong>
Mo\u017eno by ste neverili, ale existuj\u00fa \u013eudia, ktor\u00ed si vezm\u00fa p\u00f4\u017ei\u010dku, hoci ju nutne nepotrebuj\u00fa, ale chc\u00fa si vysk\u00fa\u0161a\u0165, ako funguje p\u00f4\u017ei\u010dkov\u00fd syst\u00e9m. Niekomu to m\u00f4\u017ee pripada\u0165 \u010dudn\u00e9, ale nie je to zl\u00fd n\u00e1pad, ak spln\u00ed svoj \u00fa\u010del. Mo\u017eno to vyznie paradoxne, ale aj p\u00f4\u017ei\u010dka n\u00e1s m\u00f4\u017ee nau\u010di\u0165 istej zodpovednosti. Niekto po takejto sk\u00fasenosti m\u00f4\u017ee poveda\u0165, \u017ee si u\u017e nikdy \u017eiadnu p\u00f4\u017ei\u010dku nevezme, in\u00fd zasa si to nebude vedie\u0165 vynachv\u00e1li\u0165 a siahne po p\u00f4\u017ei\u010dke pri najbli\u017e\u0161ej pr\u00edle\u017eitosti. Tak alebo onak, v\u017edy treba ma\u0165 na pam\u00e4ti, \u017ee aj v pr\u00edpade p\u00f4\u017ei\u010dky mus\u00edme by\u0165 zodpovedn\u00ed a hne\u010f od za\u010diatku k nej zodpovedne pristupova\u0165. V dne\u0161nej dobe nie je probl\u00e9m si peniaze po\u017ei\u010da\u0165, ale ve\u013eakr\u00e1t je probl\u00e9m p\u00f4\u017ei\u010dku spl\u00e1ca\u0165. Preto si treba vopred ve\u013emi dobre zv\u00e1\u017ei\u0165 v\u0161etky pre a proti a hlavne si vybra\u0165 tak\u00fa p\u00f4\u017ei\u010dku, ktor\u00fa budeme schopn\u00ed spl\u00e1ca\u0165 pravidelne a na\u010das. Podrobn\u00e9 inform\u00e1cie o r\u00f4znych druhoch p\u00f4\u017ei\u010diek n\u00e1jdete aj na str\u00e1nke hyperfinancie.sk<\/a>.<\/p>\n

\"shutterstock<\/strong><\/p>\n

Nebankov\u00e9 p\u00f4\u017ei\u010dky bez registra<\/strong>
Ak m\u00e1te sk\u00fasenosti s nejakou p\u00f4\u017ei\u010dkou alebo p\u00f4\u017ei\u010dkami, tak ur\u010dite pozn\u00e1te rozdiel medzi p\u00f4\u017ei\u010dkou z banky a z nebankovej in\u0161tit\u00facie. V\u0161etko m\u00e1 svoje za aj proti. Plat\u00ed to aj v tomto pr\u00edpade. Najv\u00e4\u010d\u0161ou v\u00fdhodou bankovej p\u00f4\u017ei\u010dky s\u00fa ni\u017e\u0161ie \u00faroky, dlh\u0161ia doba spl\u00e1cania a spravidla vy\u0161\u0161ia suma po\u017ei\u010dan\u00fdch pe\u0148az\u00ed. Na druhej strane banky vy\u017eaduj\u00fa zdokladovanie pr\u00edjmu a v niektor\u00fdch pr\u00edpadoch aj ru\u010dite\u013ea.
Oproti tomu s\u00fa nebankov\u00e9 p\u00f4\u017ei\u010dky, ktor\u00e9 ne\u017eiadaj\u00fa dokladovanie pr\u00edjmu a mnoh\u00e9 nerie\u0161ia ani register, ale maj\u00fa vy\u0161\u0161ie \u00faroky, krat\u0161ie doby spl\u00e1cania a men\u0161ie sumy p\u00f4\u017ei\u010diek, ktor\u00e9 pon\u00fakaj\u00fa. V\u00fdber typu p\u00f4\u017ei\u010dky ovplyv\u0148uj\u00fa aj \u010fal\u0161ie faktory, ako je napr. \u00fa\u010del, na ktor\u00fd chceme\/potrebujeme p\u00f4\u017ei\u010dku pou\u017ei\u0165. Od toho sa odv\u00edja aj v\u00fd\u0161ka po\u017ei\u010danej sumy, doba spl\u00e1cania a pod.
Ak sa ocitneme v situ\u00e1cii, \u017ee potrebujeme finan\u010dn\u00e9 prostriedky s\u00farne a nie pr\u00edli\u0161 vysok\u00fa \u010diastku, tak optim\u00e1lnou vo\u013ebou m\u00f4\u017eu by\u0165 nebankov\u00e9 p\u00f4\u017ei\u010dky bez registra<\/a>. M\u00e1me ove\u013ea vy\u0161\u0161iu \u0161ancu, \u017ee p\u00f4\u017ei\u010dku z\u00edskame v \u010do najkrat\u0161om \u010dase bez zbyto\u010dn\u00e9ho dokladovania a nahliadania do registra.<\/p>\n","protected":false},"excerpt":{"rendered":"

Mo\u017eno by ste neverili, ale existuj\u00fa \u013eudia, ktor\u00ed si vezm\u00fa p\u00f4\u017ei\u010dku, hoci ju nutne nepotrebuj\u00fa, ale chc\u00fa si vysk\u00fa\u0161a\u0165, ako funguje…<\/p>\n","protected":false},"author":1,"featured_media":1259,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[322],"tags":[545,544],"yoast_head":"\nKe\u010f si potrebujeme po\u017ei\u010da\u0165 - Pricemania<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pricemania.sk\/blog\/ked-si-potrebujeme-pozicat\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ke\u010f si potrebujeme po\u017ei\u010da\u0165 - Pricemania\" \/>\n<meta property=\"og:description\" content=\"Mo\u017eno by ste neverili, ale existuj\u00fa \u013eudia, ktor\u00ed si vezm\u00fa p\u00f4\u017ei\u010dku, hoci ju nutne nepotrebuj\u00fa, ale chc\u00fa si vysk\u00fa\u0161a\u0165, ako funguje…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pricemania.sk\/blog\/ked-si-potrebujeme-pozicat\/\" \/>\n<meta property=\"og:site_name\" content=\"Pricemania\" \/>\n<meta property=\"article:published_time\" content=\"2019-09-16T08:13:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.pricemania.sk\/blog\/wp-content\/uploads\/2019\/09\/shutterstock_158522159.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"667\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor:\">\n\t<meta name=\"twitter:data1\" content=\"Pricemania\">\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\">\n\t<meta name=\"twitter:data2\" content=\"3 min\u00faty\">\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.pricemania.sk\/blog\/#website\",\"url\":\"https:\/\/www.pricemania.sk\/blog\/\",\"name\":\"Pricemania\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":\"https:\/\/www.pricemania.sk\/blog\/?s={search_term_string}\",\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"sk-SK\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.pricemania.sk\/blog\/ked-si-potrebujeme-pozicat\/#primaryimage\",\"inLanguage\":\"sk-SK\",\"url\":\"https:\/\/www.pricemania.sk\/blog\/wp-content\/uploads\/2019\/09\/shutterstock_158522159.jpg\",\"width\":1000,\"height\":667,\"caption\":\"shutterstock 158522159\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.pricemania.sk\/blog\/ked-si-potrebujeme-pozicat\/#webpage\",\"url\":\"https:\/\/www.pricemania.sk\/blog\/ked-si-potrebujeme-pozicat\/\",\"name\":\"Ke\\u010f si potrebujeme po\\u017ei\\u010da\\u0165 - 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