[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.monamie.cz\/skutecna-cena-uveru-ne-urok-ale-rpsn\/#Article","mainEntityOfPage":"https:\/\/www.monamie.cz\/skutecna-cena-uveru-ne-urok-ale-rpsn\/","headline":"Skute\u010dn\u00e1 cena \u00fav\u011bru? Ne \u00farok, ale RPSN.","name":"Skute\u010dn\u00e1 cena \u00fav\u011bru? Ne \u00farok, ale RPSN.","description":"S nab\u00eddkami na v\u00fdhodn\u00e9 p\u016fj\u010dky se setk\u00e1v\u00e1me na ka\u017ed\u00e9m kroku. Vykukuj\u00ed na n\u00e1s z televize, plak\u00e1t\u016f v MHD, let\u00e1k\u016f v po\u0161tovn\u00ed schr\u00e1nce i nap\u0159\u00ed\u010d cel\u00fdm internetem. Slibuj\u00ed n\u00edzk\u00fd \u00farok a &hellip; <div class=\"bht1\"><a href=\"https:\/\/www.monamie.cz\/skutecna-cena-uveru-ne-urok-ale-rpsn\/\">\u010c\u00edst d\u00e1le<span class=\"screen-reader-text\"> \"Skute\u010dn\u00e1 cena \u00fav\u011bru? Ne \u00farok, ale RPSN.\"<\/span><\/a><\/div>","datePublished":"2019-05-15","dateModified":"2019-05-15","author":{"@type":"Person","@id":"https:\/\/www.monamie.cz\/author\/#Person","name":"","url":"https:\/\/www.monamie.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/bbaa4e9a58aac4329fe0ade0f3fb816f09f0dc43c21f6e884dccfbc124b16b29?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bbaa4e9a58aac4329fe0ade0f3fb816f09f0dc43c21f6e884dccfbc124b16b29?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"monamie.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.monamie.cz\/wp-content\/uploads\/img_a345496_w2952_t1559197699.jpg","url":"https:\/\/www.monamie.cz\/wp-content\/uploads\/img_a345496_w2952_t1559197699.jpg","height":0,"width":0},"url":"https:\/\/www.monamie.cz\/skutecna-cena-uveru-ne-urok-ale-rpsn\/","wordCount":417,"articleBody":"S nab\u00eddkami na v\u00fdhodn\u00e9 p\u016fj\u010dky se setk\u00e1v\u00e1me na ka\u017ed\u00e9m kroku. Vykukuj\u00ed na n\u00e1s z televize, plak\u00e1t\u016f v MHD, let\u00e1k\u016f v po\u0161tovn\u00ed schr\u00e1nce i nap\u0159\u00ed\u010d cel\u00fdm internetem. Slibuj\u00ed n\u00edzk\u00fd \u00farok a leckdo se nech\u00e1 vidinou levn\u00e9 p\u016fj\u010dky zl\u00e1kat. Skute\u010dnou cenu \u00fav\u011bru v\u00e1m v\u0161ak nepov\u00ed v\u00fd\u0161e \u00farokov\u00e9 sazby n\u00fdbr\u017e ukazatel RPSN. Zn\u00ed to jako n\u011bjak\u00fd tajn\u00fd k\u00f3d, ve skute\u010dnosti se jedn\u00e1 o nejlep\u0161\u00ed \u00fadaj pro srovn\u00e1n\u00ed jednotliv\u00fdch p\u016fj\u010dek na trhu.   Co je ukazatel RPSN Jedn\u00e1 se o Ro\u010dn\u00ed Procentn\u00ed Sazbu N\u00e1klad\u016f. Jednodu\u0161e n\u00e1m \u0159\u00edk\u00e1, kolik n\u00e1s p\u016fj\u010dka bude ro\u010dn\u011b st\u00e1t. Je vyj\u00e1d\u0159ena v procentech, stejn\u011b jako v\u0161em dob\u0159e zn\u00e1m\u00fd \u00farok. Zahrnuje v\u0161ak nejen \u00farokovou sazbu, ale tak\u00e9 dal\u0161\u00ed poplatky, nap\u0159\u00edklad za uzav\u0159en\u00ed smlouvy \u010di veden\u00ed \u00fav\u011brov\u00e9ho \u00fa\u010dtu.  Jak si cenu p\u016fj\u010dky ohl\u00eddat Proto\u017ee u\u017e se nejedn\u00e1 o tak l\u00e1kav\u00e9 \u010d\u00edslo jako je n\u00edzk\u00fd \u00farok z reklamn\u00edch prospekt\u016f, banky se j\u00edm tak okat\u011b nechlub\u00ed a velice r\u00e1dy jej p\u0159ed n\u00e1mi schov\u00e1vaj\u00ed. Kde jej tedy naj\u00edt? V\u011bt\u0161inou se skr\u00fdv\u00e1 v odstavci s t\u011bmi nejmen\u0161\u00edmi p\u00edsmenky. Z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru na\u0161t\u011bst\u00ed poskytovatel\u016fm p\u0159ikazuje, aby bylo RPSN ve smlouv\u011b uvedeno. Nebojte se tedy ve zm\u011bti odstavc\u016f d\u016fkladn\u011b zap\u00e1trat nebo se sv\u00e9ho bank\u00e9\u0159e p\u0159\u00edmo zeptat. Na internetu lze tak\u00e9 naj\u00edt kalkula\u010dky, kter\u00e9 po zad\u00e1n\u00ed pot\u0159ebn\u00fdch \u00fadaj\u016f vypo\u010d\u00edtaj\u00ed, kolik procent ro\u010dn\u011b za svou p\u016fj\u010dku zaplat\u00edte. Pozor tak\u00e9 na z\u00e1hadn\u00e9 zkratky za p\u011bkn\u00fdmi procenty. P\u0159esto\u017ee se v praxi nej\u010dast\u011bji setk\u00e1me s ro\u010dn\u00ed sazbou, existuj\u00ed tak\u00e9 jin\u00e9 frekvence \u00faro\u010den\u00ed. Zde m\u00e1te alespo\u0148 z\u00e1kladn\u00ed p\u0159ehled: \u00b7 p.a. = ro\u010dn\u00ed (per annum) \u00b7 p.s.  = p\u016flro\u010dn\u00ed (per semestrum) \u00b7 p.q. = \u010dtvrtletn\u00ed (per quartalem) \u00b7 p.m.= m\u011bs\u00ed\u010dn\u00ed (per month) Najdou se i polo\u017eky, kter\u00e9 banky do RPSN b\u011b\u017en\u011b nezapo\u010d\u00edtaj\u00ed, nap\u0159\u00edklad poji\u0161t\u011bn\u00ed \u00fav\u011bru, a tyto n\u00e1klady tak mohou p\u0159i srovn\u00e1n\u00ed p\u016fj\u010dek z\u016fstat skryt\u00e9. Je tedy dobr\u00e9 se informovat, co banka do RPSN zahrnula a co naopak ne.                                                                                                                                                                                                                                                                                                                                                                                         4.3\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Skute\u010dn\u00e1 cena \u00fav\u011bru? Ne \u00farok, ale RPSN.","item":"https:\/\/www.monamie.cz\/skutecna-cena-uveru-ne-urok-ale-rpsn\/#breadcrumbitem"}]}]