[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.isis.sk\/ako-sa-zachovat-vo-financnej-tiesni\/#Article","mainEntityOfPage":"https:\/\/www.isis.sk\/ako-sa-zachovat-vo-financnej-tiesni\/","headline":"Ako sa zachova\u0165 vo finan\u010dnej tiesni.","name":"Ako sa zachova\u0165 vo finan\u010dnej tiesni.","description":"Ste mlad\u00ed a chyst\u00e1te sa osamostatni\u0165? Radi by ste si zaobstarali vlastn\u00e9 auto, alebo dokonca postavili dom? Ale nem\u00e1te dostatok pe\u0148az\u00ed na tak ve\u013ek\u00fa invest\u00edciu? Ist\u00e9 rie\u0161enie sa pon\u00faka, ale nie je bez riz\u00edk. Financie sa daj\u00fa samozrejme po\u017ei\u010da\u0165, ale je potrebn\u00e9 sa vyhn\u00fa\u0165 v\u0161etk\u00fdm \u00fa\u017eern\u00edkom, neseri\u00f3znym podnikate\u013eom a v\u0161etk\u00fdm podvodn\u00edkom. Overenie od koho si […]","datePublished":"2017-04-08","dateModified":"2023-04-25","author":{"@type":"Person","@id":"https:\/\/www.isis.sk\/author\/#Person","name":"","url":"https:\/\/www.isis.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/bac9badfec1c8ddbfb42cc2a45bdd424bcac2f01b51b95470cbfd0bab9e793fd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bac9badfec1c8ddbfb42cc2a45bdd424bcac2f01b51b95470cbfd0bab9e793fd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"isis.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.isis.sk\/wp-content\/uploads\/img_a280902_w2014_t1496914856.jpg","url":"https:\/\/www.isis.sk\/wp-content\/uploads\/img_a280902_w2014_t1496914856.jpg","height":0,"width":0},"url":"https:\/\/www.isis.sk\/ako-sa-zachovat-vo-financnej-tiesni\/","about":["Peniaze"],"wordCount":516,"articleBody":"Ste mlad\u00ed a chyst\u00e1te sa osamostatni\u0165? Radi by ste si zaobstarali vlastn\u00e9 auto, alebo dokonca postavili dom? Ale nem\u00e1te dostatok pe\u0148az\u00ed na tak ve\u013ek\u00fa invest\u00edciu? Ist\u00e9 rie\u0161enie sa pon\u00faka, ale nie je bez riz\u00edk. Financie sa daj\u00fa samozrejme po\u017ei\u010da\u0165, ale je potrebn\u00e9 sa vyhn\u00fa\u0165 v\u0161etk\u00fdm \u00fa\u017eern\u00edkom, neseri\u00f3znym podnikate\u013eom a v\u0161etk\u00fdm podvodn\u00edkom. Overenie od koho si po\u017ei\u010da\u0165 alebo nie, je na prvom mieste.Prvou zn\u00e1mkou, ktor\u00e1 by n\u00e1s mala up\u00fata\u0165 je skuto\u010dnos\u0165, \u017ee nepoctiv\u00fd po\u017ei\u010diavate\u013e nestoj\u00ed o reklamu a tak nem\u00e1 webov\u00e9 str\u00e1nky, neposkytuje ani prepracovan\u00e9 inform\u00e1cie a kontaktov na neho je uveden\u00fdch minim\u00e1lne. \u010eal\u0161\u00edm d\u00f4le\u017eit\u00fdm krokom je overenie jeho \u010dinnosti, \u010di m\u00e1 k po\u017ei\u010diavaniu pe\u0148az\u00ed opr\u00e1vnenie. A v neposlednom rade sa pop\u00fdtajte po zn\u00e1mych, \u010di nem\u00e1 s\u00a0t\u00fdm, \u010di on\u00fdm poskytovate\u013eom nejak\u00e9 sk\u00fasenosti. S\u00fa\u010dasne je v\u0161ak ve\u013emi nutn\u00e9 sa na p\u00e1r vec\u00ed sp\u00fdta\u0165 sami seba:\u00a0a)\u00a0\u00a0\u00a0\u00a0\u00a0 Zv\u00e1\u017ete, \u010di p\u00f4\u017ei\u010dku naozaj nutne potrebujete a p\u00f4\u017ei\u010dkou financujte len tie veci, ktor\u00e9 budete u\u017e\u00edva\u0165 dlh\u0161ie, ne\u017e je splatnos\u0165 samotnej p\u00f4\u017ei\u010dky. Nepo\u017ei\u010diavajte si na dar\u010deky, dovolenky, drah\u0161ie telef\u00f3ny a u\u017e v\u00f4bec nie na spl\u00e1canie inej p\u00f4\u017ei\u010dky.b)\u00a0\u00a0\u00a0\u00a0\u00a0 Spo\u010d\u00edtajte si, \u010di ste zo svojich pr\u00edjmov v\u00f4bec p\u00f4\u017ei\u010dku schopn\u00ed spl\u00e1ca\u0165. Zist\u00edte to jednoduch\u00fdm od\u010d\u00edtan\u00edm va\u0161ich be\u017en\u00fdch v\u00fddavkov od pr\u00edjmov. Ak je rozdiel mal\u00fd, prem\u00fd\u0161\u013eajte, kde by sa dalo u\u0161etri\u0165.c)\u00a0\u00a0\u00a0\u00a0\u00a0 Nezabudnite myslie\u0165 a udr\u017eiava\u0165 si dostato\u010dn\u00fa finan\u010dn\u00fa rezervu. T\u00e1 by V\u00e1m mala vysta\u010di\u0165, pri n\u00e1hlom v\u00fdpadku pr\u00edjmov, minim\u00e1lne na pol roka.d)\u00a0\u00a0\u00a0\u00a0 Finan\u010dn\u00e9 ponuky v\u017edy starostlivo porovn\u00e1vajte a nevo\u013ete nikdy prv\u00fa ponuku, ktor\u00e1 sa V\u00e1m dostane do ruky. Dobre si porovnajte RPMN a poplatky za pred\u010dasn\u00e9 splatenie p\u00f4\u017ei\u010dky alebo \u00faveru.e)\u00a0\u00a0\u00a0\u00a0\u00a0 Ako u\u017e bolo povedan\u00e9 v \u00favode, po\u017ei\u010diavajte si len od zna\u010dkov\u00fdch poskytovate\u013eov. Tie spozn\u00e1te tak, \u017ee m\u00e1 v\u0161etky potrebn\u00e9 povolenia, chov\u00e1 sa transparentne, dok\u00e1\u017ee poradi\u0165 a nahliada do registrov.f)\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pred podpisom si ve\u013emi starostlivo a rad\u0161ej dvakr\u00e1t, pre\u0161tudujte v\u0161etky dokumenty, vr\u00e1tane podmienok.g)\u00a0\u00a0\u00a0\u00a0\u00a0 Podpisujte len zmluvu, ktorej plne rozumiete. Ak m\u00e1te, ur\u010dit\u00e9 pochybnosti, op\u00fdtajte sa, alebo si nechajte poradi\u0165 od nez\u00e1visl\u00e9ho poradcu.h)\u00a0\u00a0\u00a0\u00a0\u00a0 V pr\u00edpade, \u017ee V\u00e1m seri\u00f3zne poskytovate\u013e peniaze odmietne po\u017ei\u010da\u0165, zamyslite sa, preto\u017ee ho k tomu ur\u010dite ved\u00fa niektor\u00e9 skuto\u010dnosti a peniaze si nepo\u017ei\u010diavajte inde.i)\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Spl\u00e1tky sa sna\u017ete plati\u0165 v\u010das a s ur\u010ditou \u010dasovou rezervou. Ak nastane probl\u00e9m, ihne\u010f komunikujte s finan\u010dnou in\u0161tit\u00faciou o rie\u0161en\u00ed vzniknutej situ\u00e1cie, napr. vytvoren\u00edm spl\u00e1tkov\u00e9ho kalend\u00e1ra.                                                                                                                                                                                                                                                                                                                                                                                        4.8\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako sa zachova\u0165 vo finan\u010dnej tiesni.","item":"https:\/\/www.isis.sk\/ako-sa-zachovat-vo-financnej-tiesni\/#breadcrumbitem"}]}]