[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.mylifestyle.cz\/co-si-predstavit-pod-pojmem-financni-gramotnost\/#Article","mainEntityOfPage":"https:\/\/www.mylifestyle.cz\/co-si-predstavit-pod-pojmem-financni-gramotnost\/","headline":"Co si p\u0159edstavit pod pojmem \u201efinan\u010dn\u00ed gramotnost\u201c","name":"Co si p\u0159edstavit pod pojmem \u201efinan\u010dn\u00ed gramotnost\u201c","description":"Ka\u017ed\u00fd z n\u00e1s u\u017e jist\u011b sly\u0161el pojem \u201efinan\u010dn\u00ed gramotnost\u201c. Jen n\u011bkdy nev\u00edme, co si m\u00e1me pod t\u00edmto pojmem p\u0159esn\u011b p\u0159edstavit. Je to jednoduch\u00e9. \u00a7 Gramotnost je schopnost rozezn\u00e1vat p\u00edsmena a \u010d\u00edslice a um\u011bt s nimi tedy pracovat. \u00a7 Finan\u010dn\u00ed gramotnost je schopnost rozezn\u00e1vat jednotliv\u00e9 finan\u010dn\u00ed produkty a um\u011bt pracovat s pen\u011bzi. Finan\u010dn\u011b gramotn\u00fd \u010dlov\u011bk um\u00ed […]","datePublished":"2021-08-20","dateModified":"2023-08-15","author":{"@type":"Person","@id":"https:\/\/www.mylifestyle.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.mylifestyle.cz\/author\/devene\/","identifier":2,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f17e51fc588a8d58b22312b5abcc2141?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f17e51fc588a8d58b22312b5abcc2141?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"mylifestyle.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.mylifestyle.cz\/wp-content\/uploads\/Hypot%C3%A9ky%20maj%C3%AD%20dlouhou%20historii_1WNj8Y.jpg","url":"https:\/\/www.mylifestyle.cz\/wp-content\/uploads\/Hypot%C3%A9ky%20maj%C3%AD%20dlouhou%20historii_1WNj8Y.jpg","height":0,"width":0},"url":"https:\/\/www.mylifestyle.cz\/co-si-predstavit-pod-pojmem-financni-gramotnost\/","about":["Technologie"],"wordCount":447,"articleBody":"         Ka\u017ed\u00fd z n\u00e1s u\u017e jist\u011b sly\u0161el pojem \u201efinan\u010dn\u00ed gramotnost\u201c. Jen n\u011bkdy nev\u00edme, co si m\u00e1me pod t\u00edmto pojmem p\u0159esn\u011b p\u0159edstavit. Je to jednoduch\u00e9. \u00a7 Gramotnost je schopnost rozezn\u00e1vat p\u00edsmena a \u010d\u00edslice a um\u011bt s nimi tedy pracovat. \u00a7 Finan\u010dn\u00ed gramotnost je schopnost rozezn\u00e1vat jednotliv\u00e9 finan\u010dn\u00ed produkty a um\u011bt pracovat s pen\u011bzi. Finan\u010dn\u011b gramotn\u00fd \u010dlov\u011bk um\u00ed hospoda\u0159it se sv\u00fdmi financemi a tak\u00e9 je zhodnotit. Zn\u00e1 rozd\u00edl mezi bankovn\u00ed a nebankovn\u00ed p\u016fj\u010dkou a v\u00ed tedy, kter\u00e1 nebankovn\u00ed p\u016fj\u010dka \u010di hypot\u00e9ka by pro n\u011bj byla v\u00fdhodn\u00e1. – Um\u00ed tedy pracovat i s pomocn\u00fdmi internetov\u00fdmi n\u00e1stroji, ke kter\u00fdm pat\u0159\u00ed t\u0159eba hypote\u010dn\u00ed kalkula\u010dka Finan\u010dn\u00ed patron. Zdokonalovat a prohlubovat sv\u00e9 znalosti a\u017e v dob\u011b, kdy se pen\u011bz nedost\u00e1v\u00e1, by bylo trochu pozd\u011b. Proto je zapot\u0159eb\u00ed vyu\u017e\u00edt dobu, kdy na tento zp\u016fsob vzd\u011bl\u00e1v\u00e1n\u00ed m\u00e1te dostatek \u010dasu. N\u00e1sledky finan\u010dn\u00ed negramotnosti mohou b\u00fdt docela v\u00e1\u017en\u00e9. Mohou v\u00e1s toti\u017e dostat do situace, kdy v\u00e1m na dve\u0159e zaklepe exekutor a v ruce bude m\u00edt exeku\u010dn\u00ed p\u0159\u00edkaz. A bohu\u017eel, i v tomto p\u0159\u00edpad\u011b plat\u00ed, \u017ee neznalost neomlouv\u00e1.  Jak\u00fd je rozd\u00edl mezi dlouhodob\u00fdm a kr\u00e1tkodob\u00fdm \u00fav\u011brem  P\u016fj\u010dky a \u00fav\u011bry se rozd\u011bluj\u00ed na mnoho r\u016fzn\u00fdch skupin. Z\u00e1kladn\u00edm rozd\u011blen\u00edm je na dlouhodob\u00e9 a kr\u00e1tkodob\u00e9 p\u016fj\u010dky. Mezi dlouhodob\u00e9 p\u016fj\u010dky pat\u0159\u00ed nap\u0159\u00edklad nebankovn\u00ed produkt p\u016fj\u010dka bez dolo\u017een\u00ed p\u0159\u00edjm\u016f. Nejv\u00edce vyu\u017e\u00edvan\u00fdm produktem v bankovn\u00ed sf\u00e9\u0159e je klasick\u00e1 hypot\u00e9ka. \u00b7 Kr\u00e1tkodob\u00e9 \u00fav\u011bry nebo hotovostn\u00ed p\u016fj\u010dky v\u011bt\u0161inou banky neposkytuj\u00ed. \u00b7 Hledat je mus\u00edme tedy v nebankovn\u00edm sektoru. Je zde ale velice \u0161irok\u00e1 nab\u00eddka a d\u00e1 se tedy zvolit vhodn\u00e1 p\u016fj\u010dka pro ka\u017edou situaci. V nab\u00eddce je kup\u0159\u00edkladu rychl\u00e1 p\u016fj\u010dka, kter\u00e1 je vy\u0159\u00edzena b\u011bhem n\u011bkolika minut. Jedn\u00e1 se o kr\u00e1tkodob\u00fd \u00fav\u011br nebo jednor\u00e1zovou finan\u010dn\u00ed pomoc. Doba splatnosti je v\u011bt\u0161inou ur\u010dena na jeden kalend\u00e1\u0159n\u00ed m\u011bs\u00edc. \u00b7 Tuto p\u016fj\u010dku m\u016f\u017eete tak\u00e9 naj\u00edt pod ozna\u010den\u00edm p\u016fj\u010dka online. \u00b7 V\u0161e se toti\u017e d\u00e1 vy\u0159\u00eddit prost\u0159ednictv\u00edm chytr\u00e9ho mobilu nebo po\u010d\u00edta\u010de.                                                                                                                                                                                                                                                                                                                                                                                                                                                  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