[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.miltra.cz\/zkratky-ktere-mnohdy-nejsou-videt\/#Article","mainEntityOfPage":"https:\/\/www.miltra.cz\/zkratky-ktere-mnohdy-nejsou-videt\/","headline":"Zkratky, kter\u00e9 mnohdy nejsou vid\u011bt","name":"Zkratky, kter\u00e9 mnohdy nejsou vid\u011bt","description":"Existuje pom\u011brn\u011b m\u00e1lo jedinc\u016f, kte\u0159\u00ed se je\u0161t\u011b nikdy nesetkali se smlouvou, kter\u00e1 se uzav\u00edrala na n\u011bjakou formu z\u00e1p\u016fj\u010dky finan\u010dn\u00edch prost\u0159edk\u016f. Bohu\u017eel v\u011bt\u0161ina n\u00e1roda t\u00edmto procesem pro\u0161la a pro n\u011bkter\u00e9 osoby moc dob\u0159e neskon\u010dila. Jak je to mo\u017en\u00e9, v\u017edy\u0165 smlouva je skoro pro v\u0161echny ob\u010dany stejn\u00e1, li\u0161\u00ed se jen \u010d\u00e1stky, v\u00fd\u0161e \u00fav\u011bru a osobn\u00ed \u00fadaje? Ono […]","datePublished":"2020-07-14","dateModified":"2020-07-14","author":{"@type":"Person","@id":"https:\/\/www.miltra.cz\/author\/#Person","name":"","url":"https:\/\/www.miltra.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9514fe8d0d5bc6f8b5e285c47f6d71536ab35446ffb077fff11f6ca1fa8b00ce?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9514fe8d0d5bc6f8b5e285c47f6d71536ab35446ffb077fff11f6ca1fa8b00ce?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"miltra.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.miltra.cz\/wp-content\/uploads\/p%C5%AFj%C4%8Dka.jpg","url":"https:\/\/www.miltra.cz\/wp-content\/uploads\/p%C5%AFj%C4%8Dka.jpg","height":0,"width":0},"url":"https:\/\/www.miltra.cz\/zkratky-ktere-mnohdy-nejsou-videt\/","about":["Internet"],"wordCount":440,"articleBody":"   Existuje pom\u011brn\u011b m\u00e1lo jedinc\u016f, kte\u0159\u00ed se je\u0161t\u011b nikdy nesetkali se smlouvou, kter\u00e1 se uzav\u00edrala na n\u011bjakou formu z\u00e1p\u016fj\u010dky finan\u010dn\u00edch prost\u0159edk\u016f. Bohu\u017eel v\u011bt\u0161ina n\u00e1roda t\u00edmto procesem pro\u0161la a pro n\u011bkter\u00e9 osoby moc dob\u0159e neskon\u010dila. Jak je to mo\u017en\u00e9, v\u017edy\u0165 smlouva je skoro pro v\u0161echny ob\u010dany stejn\u00e1, li\u0161\u00ed se jen \u010d\u00e1stky, v\u00fd\u0161e \u00fav\u011bru a osobn\u00ed \u00fadaje? Ono to zase nebude tak slo\u017eit\u00e9. Lid\u00e9 si toti\u017e nep\u0159e\u010dtou po\u0159\u00e1dn\u011b smluvn\u00ed podm\u00ednky a pot\u00e9 vznikaj\u00ed probl\u00e9my, kter\u00fdm by se dalo velmi jednodu\u0161e vyhnout. Nebo je dal\u0161\u00ed mo\u017enost\u00ed, \u017ee v\u00edce se zaj\u00edmaj\u00ed o v\u00fd\u0161i p\u016fj\u010den\u00fdch pen\u011bz, ne\u017e o zkratky, kter\u00e9 jsou v dokumentech zaznamen\u00e1ny. Jedn\u00e1 se nap\u0159\u00edklad o RPSN \u2013 co\u017e je ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f. V\u00fd\u0161e \u00faroku n\u00e1m uk\u00e1\u017ee pouze jednu stranu a to je v kone\u010dn\u00e9 verzi v podstat\u011b v\u00fd\u0161e pen\u011bz, kter\u00e1 se mus\u00ed vr\u00e1tit. Ov\u0161em jak popisuje RPSN https:\/\/nebankovni-hypoteka-cz.cz\/aktuality\/rpsn-rocni-procentni-sazba-nakladu\/, tak to vypad\u00e1, \u017ee toto je nejhlavn\u011bj\u0161\u00ed ukazatel v p\u0159\u00edpad\u011b smlouvy.Stejn\u00e1 v\u00fd\u0161e p\u016fj\u010dky a jin\u00e9 platbyNen\u00ed divu, \u017ee se v mnoh\u00e9m pot\u00e9 rozch\u00e1z\u00ed srovn\u00e1n\u00ed r\u016fzn\u00fdch spole\u010dnost\u00ed, kter\u00e9 se zam\u011b\u0159uj\u00ed na p\u016fj\u010dov\u00e1n\u00ed finan\u010dn\u00edch prost\u0159edk\u016f nebo financov\u00e1n\u00ed spot\u0159ebitelsk\u00e9ho zbo\u017e\u00ed. Tento ukazatel n\u00e1m toti\u017e prozrad\u00ed, zdali je v\u00fdhodn\u00e9 si od dan\u00e9 spole\u010dnosti vz\u00edt \u00fav\u011br nebo se rad\u011bji pod\u00edvat jinde. V\u0161ak \u017e\u00e1dn\u00e9 p\u016fj\u010den\u00ed pen\u011bz by se nem\u011blo d\u011blat bez uv\u00e1\u017een\u00ed.V t\u011bchto procentech, kter\u00e1 jsou schov\u00e1na za zkratkou RPSN, se ukr\u00fdvaj\u00ed poplatky.Veden\u00ed, v\u00fdpo\u010dty a spravov\u00e1n\u00ed \u00fav\u011bru, kter\u00fd souvis\u00ed pouze s danou z\u00e1p\u016fj\u010dkou.Administrace se mus\u00ed \u0159\u00e1dn\u011b ocenit a tak to nebude chyb\u011bt ani v tomto p\u0159\u00edpad\u011b.Schv\u00e1len\u00ed \u017e\u00e1dosti je \u010das od \u010dasu zpoplatn\u011bno, jen se o tom moc nemluv\u00ed.Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet se zde samoz\u0159ejm\u011b nalezne tak\u00e9.Nechyb\u00ed ani poplatky za p\u0159evody pen\u011b\u017en\u00edch prost\u0159edk\u016f, kter\u00e9 samoz\u0159ejm\u011b nejsou nikde zaznamen\u00e1ny.Prvn\u00ed spl\u00e1tka je v\u011bt\u0161inou nav\u00fd\u0161en\u00e1 a je op\u011bt skryt\u00e1 v t\u00e9to zkratce, tak\u00e9 ji m\u016f\u017eeme nazvat akontac\u00ed, kterou samoz\u0159ejm\u011b po n\u00e1s nikdo nechce, v\u0161ak si ji spole\u010dnost dostate\u010dn\u011b vybere zp\u011bt, ani\u017e bychom to n\u011bjak citeln\u011b zaznamenali.                                                                                                                                                                                                                                                                                                                                                                                                  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