{"id":1677,"date":"2019-12-03T22:56:34","date_gmt":"2019-12-03T21:56:34","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=1677"},"modified":"2019-12-04T18:06:09","modified_gmt":"2019-12-04T17:06:09","slug":"7-predvianocnych-uverov-ktore-mozu-byt-zradne","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/7-predvianocnych-uverov-ktore-mozu-byt-zradne\/","title":{"rendered":"7 predviano\u010dn\u00fdch \u00faverov, ktor\u00e9 m\u00f4\u017eu by\u0165 zradn\u00e9"},"content":{"rendered":"<p><b>Vianoce n\u00e1m daj\u00fa poriadne zabra\u0165. Hoci ide o sviatky pokoja, l\u00e1sky a\u00a0rodinnej pohody, v\u00e4\u010d\u0161ina z n\u00e1s sa pred nimi nah\u00e1\u0148a. Nakupujeme dar\u010deky, ozdoby, pln\u00e9 voz\u00edky potrav\u00edn, nehovoriac o\u00a0strese <a href=\"https:\/\/www.fingo.sk\/blog\/upracte-si-vo-financnych-zmluvach-mozete-usetrit-a-ziskat-vyhodnejsie-podmienky\/\">pri upratovan\u00ed<\/a>&#8230; Jednoducho, chceme, aby bolo v\u0161etko tip top. V\u00a0tomto zhone z\u00e1rove\u0148 \u010dasto reagujeme emot\u00edvne a\u00a0nakupujeme aj to, \u010do sme nepl\u00e1novali. Ak svoje <\/b><b>finan\u010dn\u00e9 rezervy <\/b><b>pre\u0161vihneme, mnoh\u00ed napokon siahneme po \u00favere. Vianoce na dlh v\u0161ak ur\u010dite nie s\u00fa to prav\u00e9 orechov\u00e9!<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Poviete si \u2013 ve\u010f je to \u201elen\u201c povolen\u00e9 pre\u010derpanie na mojom be\u017enom \u00fa\u010dte, na ktorom si na p\u00e1r dn\u00ed odbehnem do m\u00ednusu. Alebo namiesto be\u017enej karty v\u00a0obchode vytiahnete kreditku &#8211; banka v\u00e1m ju predsa pon\u00fakla pre pr\u00edpad, keby nie\u010do&#8230; Len\u017ee aj tieto r\u00fdchle rie\u0161enia s\u00fa <\/span><b>\u00faverov\u00fdmi produktmi, ktor\u00e9 banky \u00faro\u010dia a\u017e dvojcifern\u00fdmi \u00farokmi.<\/b><span style=\"font-weight: 400;\"> E\u0161te zradnej\u0161\u00ed m\u00f4\u017ee by\u0165 aj nebankov\u00fd n\u00e1kup na spl\u00e1tky, na ktor\u00fd n\u00e1s obchodn\u00edci vedia dobre namotivova\u0165. Tak\u00fdchto l\u00e1kav\u00fdch a\u00a0na vybavenie celkom jednoduch\u00fdch bankov\u00fdch aj nebankov\u00fdch \u00faverov je na trhu viacero. Ak im pod\u013eahnete, va\u0161e Vianoce sa tak m\u00f4\u017eu nieko\u013ekon\u00e1sobne predra\u017ei\u0165 a\u00a0e\u0161te v\u00e1s aj v\u00a0\u010fal\u0161om roku poriadne zabolie\u0165.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pre\u010d\u00edtajte si, <\/span><b>ak\u00e9 n\u00e1strahy na v\u00e1s \u010d\u00edhaj\u00fa<\/b><span style=\"font-weight: 400;\"> pri \u00faverov\u00fdch produktoch, po ktor\u00fdch \u013eudia naj\u010dastej\u0161ie siahaj\u00fa <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/upracte-si-vo-financnych-zmluvach-mozete-usetrit-a-ziskat-vyhodnejsie-podmienky\/\"><span style=\"font-weight: 400;\">pred Vianocami.<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>1. Povolen\u00e9 pre\u010derpanie na \u00fa\u010dte (kontokorentn\u00fd \u00faver)\u00a0<\/b><\/span><\/h3>\n<p><span style=\"color: #ec8124;\"><b>\u00daROKY 15 \u2013 20 %<\/b><\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u013dudovo povedan\u00e9, ide o mo\u017enos\u0165 \u00eds\u0165 na svojom be\u017enom \u00fa\u010dte do m\u00ednusu, pri\u010dom povolen\u00e9 pre\u010derpanie si m\u00f4\u017eete v\u00e4\u010d\u0161inou zriadi\u0165 aj sami cez internet banking k\u00a0v\u00e1\u0161mu \u00fa\u010dtu alebo cez aplik\u00e1ciu svojej banky. \u010cerp\u00e1te tak peniaze banky do stanovenej v\u00fd\u0161ky a na konci mesiaca si od v\u00e1s banka z\u00fa\u010dtuje \u00farok z\u00a0\u010derpanej sumy a\u00a0za po\u010det dn\u00ed, po\u010das ktor\u00fdch ste boli v\u00a0m\u00ednuse.<\/span><\/p>\n<p><b>Na \u010do da\u0165 pozor:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak m\u00e1te nastaven\u00e9 povolen\u00e9 pre\u010derpanie a z \u00fa\u010dtu vyberiete alebo zaplat\u00edte kartou viac ako je suma va\u0161ich vlastn\u00fdch prostriedkov na \u00fa\u010dte, plat\u00edte vlastne peniazmi banky.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Minut\u00e9 peniaze s\u00edce m\u00f4\u017eete na \u00fa\u010det vr\u00e1ti\u0165 kedyko\u013evek, av\u0161ak pr\u00e1ve tento neobmedzen\u00fd \u010dasov\u00fd limit je \u010dasto zradn\u00fd a z pl\u00e1novan\u00e9ho kr\u00e1tkodob\u00e9ho preklenutia nedostatku pe\u0148az\u00ed alebo vy\u0161\u0161ej spotreby napr\u00edklad cez Vianoce, sa m\u00f4\u017ee \u013eahko sta\u0165 dlhodob\u00e9 pre\u010derpanie \u00fa\u010dtu.\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak ste v m\u00ednuse pr\u00edli\u0161 dlho, pr\u00edpadne sa debet e\u0161te prehlbuje, po\u010d\u00edtajte s t\u00fdm, \u017ee pomerne vysok\u00fd \u00farok v\u00e1m m\u00f4\u017ee tieto viano\u010dn\u00e9 n\u00e1kupy poriadne predra\u017ei\u0165.\u00a0<\/span><\/li>\n<\/ul>\n<h3><span style=\"color: #ec8124;\"><b>2. Kreditn\u00e1 (\u00faverov\u00e1) karta<\/b><\/span><\/h3>\n<p><span style=\"color: #ec8124;\"><b>\u00daROKY 12 \u2013 20 %\u00a0<\/b><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kreditn\u00fa kartu si mnoh\u00ed \u010dasto zamie\u0148aj\u00fa s\u00a0be\u017enou debetnou platobnou kartou. Debetn\u00fa kartu v\u00e1m banka vyd\u00e1 k\u00a0\u00fa\u010dtu a pri platen\u00ed touto kartou m\u00ed\u0148ate svoje vlastn\u00e9 peniaze. Naproti tomu kreditn\u00e1 karta je \u00faverov\u00e1 karta, tak\u017ee plat\u00edte peniazmi banky, nie svojimi. A\u00a0to je z\u00e1sadn\u00fd rozdiel. Kreditku bank\u00e1ri klientom \u010dasto pon\u00fakaj\u00fa ako finan\u010dn\u00fa rezervu. Pokia\u013e ju nepou\u017e\u00edvate, ni\u010d za \u0148u neplat\u00edte. Na druhej strane v\u00e1m kreditn\u00e1 karta umo\u017e\u0148uje vyu\u017ei\u0165 tzv. bez\u00faro\u010dn\u00e9 obdobie, kedy klient za po\u017ei\u010dan\u00fa sumu neplat\u00ed \u017eiadny \u00farok. Obvykle je toto bez\u00faro\u010dn\u00e9 obdobie v bank\u00e1ch nastaven\u00e9 na 40 &#8211; 50 dn\u00ed. Niekedy sa v\u0161ak vz\u0165ahuje len na platby kartou, nie v\u00fdber hotovosti z bankomatu.\u00a0<\/span><\/p>\n<p><b>Na \u010do da\u0165 pozor:<\/b><\/p>\n<ul>\n<li><b><span style=\"font-weight: 400;\">Probl\u00e9m m\u00f4\u017ee nasta\u0165 vtedy, ke\u010f z\u00a0karty pre\u010derp\u00e1te nadmern\u00fa sumu, ktor\u00fa nie ste schopn\u00ed ku d\u0148u splatnosti vr\u00e1ti\u0165 cel\u00fa. To znamen\u00e1, \u017ee po tomto term\u00edne by sa va\u0161a po\u017ei\u010dan\u00e1 suma za\u010dala \u00faro\u010di\u0165 stanoven\u00fdm \u00farokom, ktor\u00fd je be\u017ene 12 &#8211; 20 %.<\/span><\/b><\/li>\n<li><b><span style=\"font-weight: 400;\">Pri kreditk\u00e1ch treba d\u00e1va\u0165 pozor aj na to, \u017ee ak kartou vyber\u00e1te hotovos\u0165 z\u00a0bankomatu, tak za v\u00fdber obvykle zaplat\u00edte vysok\u00fd poplatok \u2013 m\u00f4\u017ee to by\u0165 aj 2 % z vyberanej sumy, resp. min. 5 eur za jeden v\u00fdber.\u00a0<\/span><\/b><\/li>\n<li><span style=\"font-weight: 400;\">To znamen\u00e1, \u017ee ak si vyberiete napr. 100 \u010di 200 eur na dar\u010deky z\u00a0bankomatu na n\u00e1mest\u00ed po\u010das viano\u010dn\u00fdch trhov, kde neviete plati\u0165 kartou, peniaze sa v\u00e1m nieko\u013ekon\u00e1sobne predra\u017eia nielen kv\u00f4li \u00faro\u010deniu, ale aj kv\u00f4li poplatku za v\u00fdber z\u00a0bankomatu.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Okrem toho treba po\u010d\u00edta\u0165 aj s ro\u010dn\u00fdm poplatkom za kreditn\u00fa kartu, ktor\u00fd v\u00e1m banky v\u00e4\u010d\u0161inou odpustia len ak kartu akt\u00edvne pou\u017e\u00edvate.<\/span><\/li>\n<\/ul>\n<h3><span style=\"color: #ec8124;\"><b>3. Spotrebn\u00fd \u00faver v banke<\/b><\/span><\/h3>\n<p><span style=\"color: #ec8124;\"><b>\u00daROKY 5 \u2013 16 %<\/b><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ide o\u00a0klasick\u00fd bankov\u00fd \u00faver, ktor\u00fd v\u00e1m v\u00a0mnoh\u00fdch bank\u00e1ch schv\u00e1lia aj online. Funguje to tak, \u017ee si mnoh\u00ed klienti n\u00e1jdu vo svojom internet bankingu alebo v\u00a0aplik\u00e1cii predschv\u00e1len\u00fa ponuku na \u00faver, na ktor\u00fa sta\u010d\u00ed klikn\u00fa\u0165, na\u0165uka\u0165 zop\u00e1r \u00fadajov a\u00a0v\u00a0priebehu p\u00e1r min\u00fat m\u00f4\u017eete ma\u0165 peniaze na \u00fa\u010dte. Je to r\u00fdchle, jednoduch\u00e9, ale rozhodne nie lacn\u00e9. Najm\u00e4 ak si chcete po\u017ei\u010da\u0165 ni\u017e\u0161iu sumu, zaplat\u00edte na \u00farokoch viac. Vo v\u0161eobecnosti pri spotrebn\u00fdch \u00faveroch plat\u00ed \u201e\u010d\u00edm ni\u017e\u0161ia p\u00f4\u017ei\u010dka, t\u00fdm vy\u0161\u0161\u00ed \u00farok\u201c. Pri \u00favere okolo 1 000 &#8211; 2 000 eur si banky inkasuj\u00fa \u00faroky aj 12 %! Top \u00faroky na \u00farovni od 6 % poskytuj\u00fa naopak pri najvy\u0161\u0161\u00edch sum\u00e1ch p\u00f4\u017ei\u010dky zhruba nad 15 000 eur, alebo v pr\u00edpade, \u017ee sa jedn\u00e1 o refinancovanie existuj\u00facej p\u00f4\u017ei\u010dky.<\/span><\/p>\n<p><b>Na \u010do da\u0165 pozor:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Poplatok za poskytnutie spotrebn\u00e9ho \u00faveru m\u00f4\u017ee by\u0165 a\u017e 2 % z\u00a0v\u00fd\u0161ky \u00faveru, \u010do nie je mal\u00e1 suma na to, \u017ee peniaze z \u00faveru pou\u017eijete na spotrebn\u00e9 n\u00e1kupy.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u00daro\u010denie spotrebn\u00e9ho \u00faveru je rozlo\u017een\u00e9 na cel\u00fa dobu splatnosti \u00faveru &#8211; aj ke\u010f si mo\u017eno poviete, \u017ee \u00faver splat\u00edte pred\u010dasne, \u00faroky budete plati\u0165 z\u00a0ka\u017edej spl\u00e1tky, tak\u017ee viano\u010dn\u00e9 n\u00e1kupy ur\u010dite viac \u010di menej preplat\u00edte.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Navy\u0161e, ak by ste \u010derpali sumu nad 10 000 eur, tak si od v\u00e1s banka pri pred\u010dasnom splaten\u00ed z\u00fa\u010dtuje okrem zostatkovej sumy e\u0161te poplatok 1 % z pred\u010dasne spl\u00e1canej istiny. M\u00f4\u017ee tak urobi\u0165 vtedy, ak suma v\u0161etk\u00fdch spl\u00e1tok vr\u00e1tane zostatku \u00faveru za posledn\u00fdch 12 mesiacov presiahne sumu 10 000 eur.<\/span><\/li>\n<\/ul>\n<h3><span style=\"color: #ec8124;\"><b>4. Bez\u00faro\u010dn\u00e1 p\u00f4\u017ei\u010dka\u00a0<\/b><\/span><\/h3>\n<p><span style=\"color: #ec8124;\"><b>\u00daROK 0 %<\/b><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Niektor\u00e9 banky pon\u00fakaj\u00fa aj bez\u00faro\u010dn\u00fa p\u00f4\u017ei\u010dku. Poskytuj\u00fa ju v\u00e4\u010d\u0161inou do ni\u017e\u0161ej sumy \u2013 1 000 eur, max. 1 500 eur. Tieto peniaze si naozaj m\u00f4\u017eete po\u017ei\u010da\u0165 bez zaplatenia \u00farokov, ale rovnako ako pri v\u0161etk\u00fdch \u00faverov\u00fdch produktoch, nie je to \u00faplne zadarmo. Aby ste mohli \u010derpa\u0165 bez\u00faro\u010dn\u00fa p\u00f4\u017ei\u010dku, r\u00e1tajte s t\u00fdm, \u017ee mus\u00edte splni\u0165 presne stanoven\u00e9 podmienky banky. Jednou z nich je zalo\u017een\u00fd be\u017en\u00fd \u00fa\u010det, ktor\u00fd m\u00f4\u017ee by\u0165 v jednej banke bez poplatku, ale v druhej nemus\u00ed.\u00a0<\/span><\/p>\n<p><b>Na \u010do da\u0165 pozor:\u00a0<\/b><\/p>\n<ul>\n<li><b><span style=\"font-weight: 400;\">Jedna z b\u00e1nk podmie\u0148uje bez\u00faro\u010dn\u00fa p\u00f4\u017ei\u010dku aj t\u00fdm, \u017ee to mus\u00ed by\u0165 va\u0161a prv\u00e1 p\u00f4\u017ei\u010dka v danej banke.<\/span><\/b><\/li>\n<li><span style=\"font-weight: 400;\">Za samotn\u00e9 poskytnutie p\u00f4\u017ei\u010dky si banka m\u00f4\u017ee \u00fa\u010dtova\u0165 poplatok, ktor\u00fd je vo v\u00fd\u0161ke 2 % z objemu \u00faveru.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Bez\u00faro\u010dn\u00fa p\u00f4\u017ei\u010dku pon\u00fakaj\u00fa banky len s pevne stanovenou dobou splatnosti<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: center;\"><img decoding=\"async\" class=\"alignnone wp-image-1692\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/peniaze-na-darceky.jpg\" alt=\"\" width=\"500\" height=\"334\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/peniaze-na-darceky.jpg 1000w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/peniaze-na-darceky-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/peniaze-na-darceky-768x512.jpg 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/h3>\n<h3><span style=\"color: #ec8124;\"><b>5. N\u00e1kup na spl\u00e1tky<\/b><\/span><\/h3>\n<p><span style=\"color: #ec8124;\"><b>\u00daROKY aj nad 20 %<\/b><\/span><\/p>\n<p><span style=\"font-weight: 400;\">N\u00e1kup na spl\u00e1tky je ob\u013e\u00faben\u00fd a\u00a0\u010dasto vyu\u017e\u00edvan\u00fd predviano\u010dn\u00fd \u00faver, ke\u010f\u017ee je prepojen\u00fd priamo s\u00a0predajcami a \u010d\u00edha na v\u00e1s priamo v obchodoch. Ide o\u00a0produkt spl\u00e1tkov\u00fdch spolo\u010dnost\u00ed, ktor\u00e9 sa dohodn\u00fa napr\u00edklad s\u00a0hypermarketom alebo s\u00a0predajcom elektroniky na akci\u00e1ch, ktor\u00fdmi v\u00e1s \u013eah\u0161ie pril\u00e1kaj\u00fa na n\u00e1kup tovaru a\u00a0\u010dasto aj na n\u00e1kup vec\u00ed, ktor\u00e9 vlastne ani nepotrebujete, alebo ktor\u00e9 s\u00fa drah\u0161ie ako by ste si be\u017ene mohli dovoli\u0165. Takouto akciou m\u00f4\u017ee by\u0165 odlo\u017eenie za\u010diatku spl\u00e1cania spl\u00e1tok o\u00a0tri mesiace, \u010do sa m\u00f4\u017ee zda\u0165 pri zv\u00fd\u0161en\u00fdch viano\u010dn\u00fdch v\u00fddavkoch ako dar z\u00a0nebies. Alebo pon\u00fakaj\u00fa n\u00e1kup na spl\u00e1tky \u201ebez nav\u00fd\u0161enia\u201c, ktor\u00fd sa tv\u00e1ri e\u0161te v\u00fdhodnej\u0161ie. Obe tieto formy s\u00fa tak trochu z\u00e1ludn\u00e9.\u00a0<\/span><\/p>\n<p><b>Na \u010do da\u0165 pozor:\u00a0<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pred Vianocami m\u00f4\u017eete napr. po\u017eiada\u0165 o\u00a0n\u00e1kup na spl\u00e1tky bez toho, aby ste museli v\u00a0predajni nie\u010do zaplati\u0165 a\u00a0spl\u00e1tky za\u010dnete spl\u00e1ca\u0165 o\u00a03 mesiace. Ale je to st\u00e1le len \u00faver s\u00a0pomerne vysok\u00fdm \u00farokom, ktor\u00fd si na v\u00e1s po\u010dk\u00e1. A\u00a0mo\u017eno ho za\u010dnete spl\u00e1ca\u0165 v\u00a0najnevhodnej\u0161ej chv\u00edli, ke\u010f bud\u00fa va\u0161e v\u00fddavky vy\u0161\u0161ie ako ste \u010dakali.\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Druh\u00e1 \u010dast\u00e1 ponuka je n\u00e1kup na spl\u00e1tky bez nav\u00fd\u0161enia. Na za\u010diatku zaplat\u00edte napr. 50 % z\u00a0ceny tovaru naraz a zvy\u0161ok sa v\u00e1m rozr\u00e1ta do spl\u00e1tok, ktor\u00e9 budete ma\u0165 stanoven\u00e9 v\u00a0spl\u00e1tkovom kalend\u00e1ri. Ak spl\u00e1tky dodr\u017e\u00edte, tovar m\u00e1te naozaj za cenu bez \u00farokov navy\u0161e. Ale \u010dasto sa st\u00e1va, \u017ee klienti stanoven\u00fa spl\u00e1tku nezvl\u00e1daj\u00fa spl\u00e1ca\u0165, alebo ju zaplatia nesk\u00f4r, a\u00a0tak nesplnia podmienky pr\u00edsneho spl\u00e1tkov\u00e9ho kalend\u00e1ra. To znamen\u00e1, \u017ee v\u00e1\u0161 tovar bude drah\u0161\u00ed, lebo sa jeho cena nav\u00fd\u0161i o vysok\u00e9\u00a0\u00faroky.<\/span><\/li>\n<\/ul>\n<h3><strong><span style=\"color: #ec8124;\">\u00a06.\u00a0N\u00e1kupn\u00e1 (\u00faverov\u00e1) karta\u00a0<\/span><\/strong><\/h3>\n<p><span style=\"color: #ec8124;\"><b>\u00daROKY aj viac ako 20 %\u00a0<\/b><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ide o\u00a0ak\u00fasi alternat\u00edvu k n\u00e1kupu na spl\u00e1tky. Funguje to tak, \u017ee v\u00e1m obchodn\u00edk poskytne n\u00e1kupn\u00fa \u00faverov\u00fa \u2013 tzv. revolvingov\u00fa kartu, ktor\u00e1 je ve\u013emi podobn\u00e1 bankovej kreditnej karte. S\u00a0touto kartou m\u00f4\u017eete plati\u0165 za tovar v\u00a0jeho predajni \u2013 napr\u00edklad v predajni elektroniky, alebo n\u00e1bytku. V\u00a0porovnan\u00ed s\u00a0kreditnou kartou tu treba r\u00e1ta\u0165 s\u00a0vy\u0161\u0161\u00edmi \u00farokmi, ale jednoduch\u0161\u00edmi pravidlami a\u00a0poskytnut\u00edm karty.<\/span><\/p>\n<p><b>Na \u010do da\u0165 pozor:\u00a0<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">N\u00e1kupn\u00e1 karta v\u00e1m umo\u017e\u0148uje nak\u00fapi\u0165 tovar bez akont\u00e1cie rovno s\u00a0ur\u010dit\u00fdmi\u00a0 \u201ezv\u00fdhodnen\u00fdmi\u201c \u00farokmi \u2013 ale tie s\u00fa st\u00e1le v\u00e4\u010d\u0161inou dvojcifern\u00e9.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Aj n\u00e1kupn\u00e1 karta m\u00e1 ur\u010den\u00fd spl\u00e1tkov\u00fd kalend\u00e1r, ktor\u00fd mus\u00edte dodr\u017ea\u0165, inak za va\u0161e n\u00e1kupy budete plati\u0165 ove\u013ea vy\u0161\u0161ie \u00faroky.\u00a0<\/span><\/li>\n<\/ul>\n<h3><span style=\"color: #ec8124;\"><strong>7. Nebankov\u00e1 p\u00f4\u017ei\u010dka<\/strong><\/span><\/h3>\n<p><span style=\"color: #ec8124;\"><b>\u00daROKY aj viac ako 20 %<\/b><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nebankov\u00e9 p\u00f4\u017ei\u010dky funguj\u00fa podobne ako spotrebn\u00fd \u00faver v\u00a0banke. Nebankov\u00e1 spolo\u010dnos\u0165 si prever\u00ed va\u0161u platobn\u00fa discipl\u00ednu a\u00a0poskytne v\u00e1m p\u00f4\u017ei\u010dku do finan\u010dn\u00e9ho limitu, ktor\u00fd dok\u00e1\u017eete spl\u00e1ca\u0165. Klienti si ber\u00fa tak\u00e9to p\u00f4\u017ei\u010dky naj\u010dastej\u0161ie na spotrebn\u00e9 n\u00e1kupy alebo zariadenie dom\u00e1cnosti. Podp\u00ed\u0161ete zmluvu,\u00a0nebankov\u00e1 spolo\u010dnos\u0165 v\u00e1m po\u0161le peniaze na \u00fa\u010det a na \u010do ich pou\u017eijete, je va\u0161a vec.<\/span><\/p>\n<p><b>Na \u010do da\u0165 pozor:\u00a0<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pravidl\u00e1 s\u00fa ve\u013emi podobn\u00e9 ako pri klasick\u00fdch spotrebn\u00fdch \u00faveroch v banke, ale \u00faroky b\u00fdvaj\u00fa v\u00a0nebankov\u00fdch spolo\u010dnostiach vy\u0161\u0161ie.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pri nebankov\u00fdch p\u00f4\u017ei\u010dk\u00e1ch s\u00fa v\u00a0porovnan\u00ed s\u00a0bankou podmienky menej transparentn\u00e9, rovnako aj poplatky alebo potvrdenia \u2013 \u010do m\u00f4\u017ee by\u0165 nesk\u00f4r probl\u00e9m napr\u00edklad pri konsolid\u00e1cii \u00faverov (keby ste si chceli spoji\u0165 viac \u00faverov do jedn\u00e9ho).<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Kedysi platilo pravidlo, \u017ee nebankovky posudzovali klientov benevolentnej\u0161ie a\u00a0dali p\u00f4\u017ei\u010dku skoro ka\u017ed\u00e9mu, kto nepre\u0161iel v banke. V\u00a0s\u00fa\u010dasnosti u\u017e posudzuj\u00fa klientov pr\u00edsnej\u0161ie, tak\u017ee ne\u010dakajte, \u017ee ak v\u00e1m p\u00f4\u017ei\u010dku neschv\u00e1lili inde, tak v\u00e1m nebankovka peniaze ur\u010dite po\u017ei\u010dia.\u00a0<\/span><\/li>\n<\/ul>\n<h3><span style=\"color: #ec8124;\"><b>Aj mal\u00e1 \u00faverov\u00e1 hl\u00fapos\u0165 m\u00f4\u017ee narobi\u0165 ve\u013ek\u00e9 probl\u00e9my<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ak\u00e9 \u010fal\u0161ie nepr\u00edjemnosti m\u00f4\u017ee narobi\u0165 v\u00e1\u0161 \u010dastokr\u00e1t zbyto\u010dn\u00fd predviano\u010dn\u00fd \u00faver? Okrem vy\u0161\u0161ie uveden\u00fdch riz\u00edk si treba uvedomi\u0165 ostatn\u00e9 svoje priority z\u00a0h\u013eadiska dlhodob\u00e9ho pl\u00e1novania. Ak viete, \u017ee v\u00a0bud\u00facom roku chcete <a href=\"https:\/\/www.fingo.sk\/blog\/hypoteku-nerieste-sami-moze-vas-vyjst-draho\/\">rie\u0161i\u0165 hypot\u00e9ku<\/a>, preto\u017ee potrebujete rekon\u0161truova\u0165 alebo budete kupova\u0165 v\u00e4\u010d\u0161\u00ed byt, ka\u017ed\u00e1 tak\u00e1to <\/span><b>\u201e\u00faverov\u00e1 hl\u00fapos\u0165\u201c m\u00f4\u017ee znamena\u0165 probl\u00e9my pri schv\u00e1len\u00ed hypot\u00e9ky.<\/b><span style=\"font-weight: 400;\"> T\u00fdka sa to najm\u00e4 klientov, ktor\u00ed maj\u00fa pr\u00edjmy a v\u00fddavky na doraz, \u010di\u017ee im ka\u017ed\u00e1 spl\u00e1tka in\u00e9ho \u00faveru, hoci aj vo v\u00fd\u0161ke 30 \u010di 50 eur mesa\u010dne, m\u00f4\u017ee zn\u00ed\u017ei\u0165 \u0161ancu na hypot\u00e9ku.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nehovoriac o\u00a0tom, \u017ee nezodpovedn\u00fdm spr\u00e1van\u00edm, ale \u010dasto aj nevedomos\u0165ou sa m\u00f4\u017ee sta\u0165, \u017ee si nastav\u00edte trval\u00fd pr\u00edkaz nespr\u00e1vne alebo neskoro. Spl\u00e1tka \u00faveru v\u00e1m tak nebude odch\u00e1dza\u0165 na\u010das a\u00a0a\u017e ke\u010f za\u010dnete rie\u0161i\u0165 \u00faver na b\u00fdvanie v\u00a0domnen\u00ed, \u017ee m\u00e1te v\u0161etko v\u00a0poriadku, zist\u00edte, \u017ee to tak nie je. Prax potvrdzuje, \u017ee ve\u013ea klientov m\u00e1<\/span><a href=\"https:\/\/www.fingo.sk\/blog\/uverovy-register-co-vsetko-o-vas-prezradi\/\"> <b>v\u00a0\u00faverovom registri<\/b><\/a><b> negat\u00edvny z\u00e1znam nedopatren\u00edm<\/b><span style=\"font-weight: 400;\">, ktor\u00e9 vzniklo pri nastavovan\u00ed spl\u00e1tok p\u00f4\u017ei\u010diek v predviano\u010dnom hektickom obdob\u00ed pr\u00e1ve v\u010faka emocion\u00e1lnym sviato\u010dn\u00fdm n\u00e1kupom.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V\u00fdkri\u010dn\u00edk sa v\u0161ak net\u00fdka len t\u00fdch, ktor\u00ed bud\u00fa na bud\u00faci rok rie\u0161i\u0165 hypot\u00e9ku. Nikto by si nemal bra\u0165 na plecia \u00faver, ktor\u00fd <\/span><b>nebude vedie\u0165 spl\u00e1ca\u0165 a v\u00fdrazne\u00a0obmedz\u00ed jeho \u010fal\u0161ie v\u00fddavky<\/b><span style=\"font-weight: 400;\">. Hlavne star\u0161\u00ed \u013eudia, d\u00f4chodcovia, by mali zv\u00e1\u017ei\u0165, \u010di im napr\u00edklad 50 eurov\u00e1 spl\u00e1tka nenarob\u00ed v dom\u00e1com rozpo\u010dte probl\u00e9m. Berte do \u00favahy aj ne\u010dakan\u00e9 situ\u00e1cie &#8211; m\u00f4\u017eu v\u00e1m zv\u00fd\u0161i\u0165 platby do fondu opr\u00e1v, predp\u00edsa\u0165 drah\u0161ie lieky s\u00a0vy\u0161\u0161\u00edmi doplatkami, m\u00f4\u017ee sa v\u00e1m pokazi\u0165 kotol \u010di in\u00fd drah\u0161\u00ed spotrebi\u010d&#8230;\u00a0 A\u00a0potom v\u00e1s bude mrzie\u0165, \u017ee na to nem\u00e1te, lebo mus\u00edte spl\u00e1ca\u0165 nejak\u00fd \u00faver, ktor\u00fd bol vlastne \u00faplne zbyto\u010dn\u00fd.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-1687\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/vianoce-darceky.jpg\" alt=\"\" width=\"500\" height=\"334\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/vianoce-darceky.jpg 1000w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/vianoce-darceky-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/vianoce-darceky-768x512.jpg 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Od janu\u00e1ra za\u010dnite spori\u0165 na \u010fal\u0161ie Vianoce<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ako si teda na Vianoce dopria\u0165 viac? V \u010dase duchovn\u00fdch sviatkov naozaj m\u00f4\u017ee najviac pote\u0161i\u0165 to, \u017ee si <\/span><b>darujete spolo\u010dne str\u00e1ven\u00fd \u010das<\/b><span style=\"font-weight: 400;\">, pr\u00edpadne sa pote\u0161\u00edte vlastnoru\u010dne vyroben\u00fdmi dar\u010dekmi, ktor\u00e9 s\u00fa rozhodne lacnej\u0161ie ako drah\u00e9 n\u00e1kupy na spl\u00e1tky. Ak sa v\u0161ak na sviatky nechcete vzda\u0165 materi\u00e1lnych dar\u010dekov, sk\u00faste si predstavi\u0165 \u00faver ako obr\u00e1ten\u00e9 sporenie. Po tohtoro\u010dn\u00fdch sviatkoch, ktor\u00e9 m\u00f4\u017eete o\u017eelie\u0165 v\u00a0zmysle extra drah\u00fdch pr\u00edprav a\u00a0dar\u010dekov, si hne\u010f v janu\u00e1ri <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/sporenie-do-zlata-ochrani-vase-investicne-portfolio\/\"><span style=\"font-weight: 400;\">za\u010dnite \u0161etri\u0165<\/span><\/a><span style=\"font-weight: 400;\"> na tie \u010fal\u0161ie.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ako na to? Nastavte si na \u00fa\u010dte trval\u00fd pr\u00edkaz s\u00a0n\u00e1zvom \u201eVianoce\u201c a\u00a0nasmerujte ho na svoj sporiaci \u00fa\u010det. <\/span><b>Ka\u017ed\u00fd mesiac ide\u00e1lne po v\u00fdplate <\/b><span style=\"font-weight: 400;\">si na\u0148ho posielajte 20, 30 \u010di 50 eur pod\u013ea va\u0161ich finan\u010dn\u00fdch mo\u017enost\u00ed a\u00a0v s\u00falade s va\u0161imi viano\u010dn\u00fdmi pl\u00e1nmi. Tak\u00fdmto sp\u00f4sobom si do konca roka 2020 naspor\u00edte okolo 200, 300 \u010di 600 eur, ktor\u00e9 pou\u017eijete na bud\u00face Vianoce. Ke\u010f si budete odklada\u0165 mal\u00fa sumu ka\u017ed\u00fd mesiac, ne\u010dakajte na konci roka z\u00e1zra\u010dn\u00e9 zhodnotenie odkladan\u00fdch pe\u0148az\u00ed, ale<\/span><b> na\u0161etr\u00edte si sumu, ktor\u00e1 v\u00e1m nijako nenaru\u0161\u00ed rodinn\u00fd rozpo\u010det<\/b><span style=\"font-weight: 400;\"> vo finan\u010dne najn\u00e1ro\u010dnej\u0161om\u00a0decembri.\u00a0<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Nepod\u013eahnite em\u00f3ci\u00e1m, odborn\u00edk na financie v\u00e1m porad\u00ed<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ak nem\u00e1te k dispoz\u00edcii tak\u00fd viano\u010dn\u00fd rozpo\u010det, ako by ste si priali, uskromnite sa a<\/span><b> sk\u00faste zo\u0161krta\u0165 pl\u00e1novan\u00e9 v\u00fddavky. <\/b><span style=\"font-weight: 400;\">Vianoce predsa nie s\u00fa len o\u00a0dar\u010dekoch a\u00a0m\u00ed\u0148an\u00ed pe\u0148az\u00ed. Ak by ste sa chceli poradi\u0165 o tom, kde h\u013eada\u0165 \u00fasporu na bud\u00facoro\u010dn\u00e9 sviatky, radi v\u00e1m s\u00a0t\u00fdm<\/span><b> pom\u00f4\u017eu finan\u010dn\u00ed sprostredkovatelia zo spolo\u010dnosti FinGO.sk.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pre klientov h\u013ead\u00e1me najv\u00fdhodnej\u0161ie finan\u010dn\u00e9 rie\u0161enia a <\/span><b>radi v\u00e1m pom\u00f4\u017eeme so sporen\u00edm, ale aj refinancovan\u00edm hypot\u00e9ky alebo s konsolid\u00e1ciou \u00faverov<\/b><span style=\"font-weight: 400;\">, s ktor\u00fdmi m\u00f4\u017eete u\u0161etri\u0165. Finan\u010dn\u00fa \u00fasporu ve\u013eakr\u00e1t n\u00e1jdeme aj v\u00a0zastaral\u00fdch finan\u010dn\u00fdch zmluv\u00e1ch, ktor\u00e9 v\u00e1m skontrolujeme bezplatne. Darujte svojej rodine viano\u010dn\u00fd dar\u010dek <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/preco-mat-financneho-sprostredkovatela\/\"><span style=\"font-weight: 400;\">v\u00a0podobe kvalitn\u00e9ho finan\u010dn\u00e9ho sprostredkovate\u013ea<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><b>Zavolajte n\u00e1m na 0800 60 10 60<\/b><span style=\"font-weight: 400;\"> alebo n\u00e1m <\/span><a href=\"https:\/\/www.fingo.sk\/financne-poradenstvo#mapa\"><span style=\"font-weight: 400;\">zanechajte va\u0161e \u00fadaje<\/span><\/a><span style=\"font-weight: 400;\"> a my sa v\u00e1m ozveme. Mo\u017eno si aj v\u010faka FinGO.sk na \u010fal\u0161ie Vianoce doprajete viac. \u00a0 \u00a0 <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vianoce n\u00e1m daj\u00fa poriadne zabra\u0165. Hoci ide o sviatky pokoja, l\u00e1sky a\u00a0rodinnej pohody, v\u00e4\u010d\u0161ina z n\u00e1s sa pred nimi nah\u00e1\u0148a. Nakupujeme dar\u010deky, ozdoby, pln\u00e9 voz\u00edky potrav\u00edn, nehovoriac o\u00a0strese pri upratovan\u00ed&#8230; Jednoducho, chceme, aby bolo v\u0161etko tip top. V\u00a0tomto zhone z\u00e1rove\u0148 \u010dasto reagujeme emot\u00edvne a\u00a0nakupujeme aj to, \u010do sme nepl\u00e1novali. Ak svoje finan\u010dn\u00e9 rezervy pre\u0161vihneme, mnoh\u00ed napokon siahneme po \u00favere. Vianoce na dlh v\u0161ak ur\u010dite nie s\u00fa to prav\u00e9 orechov\u00e9! Poviete si \u2013 ve\u010f je to \u201elen\u201c povolen\u00e9 pre\u010derpanie na mojom be\u017enom \u00fa\u010dte, na ktorom si na p\u00e1r dn\u00ed odbehnem do m\u00ednusu. Alebo namiesto be\u017enej karty v\u00a0obchode vytiahnete kreditku &#8211; banka v\u00e1m ju predsa pon\u00fakla pre pr\u00edpad, keby nie\u010do&#8230; Len\u017ee aj tieto r\u00fdchle rie\u0161enia s\u00fa \u00faverov\u00fdmi produktmi, ktor\u00e9 banky \u00faro\u010dia a\u017e dvojcifern\u00fdmi \u00farokmi. E\u0161te zradnej\u0161\u00ed m\u00f4\u017ee by\u0165 aj nebankov\u00fd n\u00e1kup na spl\u00e1tky, na ktor\u00fd n\u00e1s obchodn\u00edci vedia dobre namotivova\u0165. Tak\u00fdchto l\u00e1kav\u00fdch a\u00a0na vybavenie celkom jednoduch\u00fdch bankov\u00fdch aj nebankov\u00fdch \u00faverov je na trhu viacero. Ak im pod\u013eahnete, va\u0161e Vianoce sa tak m\u00f4\u017eu nieko\u013ekon\u00e1sobne predra\u017ei\u0165 a\u00a0e\u0161te v\u00e1s aj v\u00a0\u010fal\u0161om roku poriadne zabolie\u0165. Pre\u010d\u00edtajte si, ak\u00e9 n\u00e1strahy na v\u00e1s \u010d\u00edhaj\u00fa pri \u00faverov\u00fdch produktoch, po ktor\u00fdch \u013eudia naj\u010dastej\u0161ie siahaj\u00fa pred Vianocami.\u00a0 1. 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Hoci ide o sviatky pokoja, l\u00e1sky a\u00a0rodinnej pohody, v\u00e4\u010d\u0161ina z n\u00e1s sa pred nimi nah\u00e1\u0148a. Nakupujeme dar\u010deky, ozdoby, pln\u00e9 voz\u00edky potrav\u00edn, nehovoriac o\u00a0strese pri upratovan\u00ed&#8230; Jednoducho, chceme, aby bolo v\u0161etko tip top. V\u00a0tomto zhone z\u00e1rove\u0148 \u010dasto reagujeme emot\u00edvne a\u00a0nakupujeme aj to, \u010do sme nepl\u00e1novali. Ak svoje finan\u010dn\u00e9 rezervy pre\u0161vihneme, mnoh\u00ed napokon siahneme po \u00favere. Vianoce na dlh v\u0161ak ur\u010dite nie s\u00fa to prav\u00e9 orechov\u00e9! Poviete si \u2013 ve\u010f je to \u201elen\u201c povolen\u00e9 pre\u010derpanie na mojom be\u017enom \u00fa\u010dte, na ktorom si na p\u00e1r dn\u00ed odbehnem do m\u00ednusu. Alebo namiesto be\u017enej karty v\u00a0obchode vytiahnete kreditku &#8211; banka v\u00e1m ju predsa pon\u00fakla pre pr\u00edpad, keby nie\u010do&#8230; Len\u017ee aj tieto r\u00fdchle rie\u0161enia s\u00fa \u00faverov\u00fdmi produktmi, ktor\u00e9 banky \u00faro\u010dia a\u017e dvojcifern\u00fdmi \u00farokmi. E\u0161te zradnej\u0161\u00ed m\u00f4\u017ee by\u0165 aj nebankov\u00fd n\u00e1kup na spl\u00e1tky, na ktor\u00fd n\u00e1s obchodn\u00edci vedia dobre namotivova\u0165. Tak\u00fdchto l\u00e1kav\u00fdch a\u00a0na vybavenie celkom jednoduch\u00fdch bankov\u00fdch aj nebankov\u00fdch \u00faverov je na trhu viacero. Ak im pod\u013eahnete, va\u0161e Vianoce sa tak m\u00f4\u017eu nieko\u013ekon\u00e1sobne predra\u017ei\u0165 a\u00a0e\u0161te v\u00e1s aj v\u00a0\u010fal\u0161om roku poriadne zabolie\u0165. 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Povolen\u00e9 pre\u010derpanie na \u00fa\u010dte (kontokorentn\u00fd \u00faver)\u00a0 \u00daROKY 15 \u2013 20 % \u013dudovo povedan\u00e9, [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/7-predvianocnych-uverov-ktore-mozu-byt-zradne\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2019-12-03T21:56:34+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-12-04T17:06:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/vianocne-uvery2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1732\" \/>\n\t<meta property=\"og:image:height\" content=\"1154\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Eva \u0160ablov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Eva \u0160ablov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 min\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/7-predvianocnych-uverov-ktore-mozu-byt-zradne\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/7-predvianocnych-uverov-ktore-mozu-byt-zradne\/\"},\"author\":{\"name\":\"Eva \u0160ablov\u00e1\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/48a635316105ef367c341718fdb7cfeb\"},\"headline\":\"7 predviano\u010dn\u00fdch \u00faverov, ktor\u00e9 m\u00f4\u017eu by\u0165 zradn\u00e9\",\"datePublished\":\"2019-12-03T21:56:34+00:00\",\"dateModified\":\"2019-12-04T17:06:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/7-predvianocnych-uverov-ktore-mozu-byt-zradne\/\"},\"wordCount\":2734,\"publisher\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\"},\"keywords\":[\"\u00favery\",\"zadl\u017eovanie\"],\"articleSection\":[\"Fingo rad\u00ed\",\"Osobn\u00e9 financie\"],\"inLanguage\":\"sk-SK\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/7-predvianocnych-uverov-ktore-mozu-byt-zradne\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/7-predvianocnych-uverov-ktore-mozu-byt-zradne\/\",\"name\":\"7 predviano\u010dn\u00fdch \u00faverov, ktor\u00e9 m\u00f4\u017eu by\u0165 zradn\u00e9 - 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