{"id":3197,"date":"2020-11-09T15:40:03","date_gmt":"2020-11-09T14:40:03","guid":{"rendered":"https:\/\/orangeacademy.cz\/clanky\/?p=3197"},"modified":"2020-11-01T17:35:19","modified_gmt":"2020-11-01T16:35:19","slug":"rpsn-co-to-je","status":"publish","type":"post","link":"https:\/\/orangeacademy.cz\/clanky\/rpsn-co-to-je\/","title":{"rendered":"RPSN: V\u00edte, co to je a jak se vypo\u010d\u00edt\u00e1?"},"content":{"rendered":"<p><strong>V r\u00e1mci finan\u010dn\u00ed gramotnosti byste nem\u011bli opom\u00edjet d\u016fle\u017eit\u00fd pojem RPSN. P\u0159e\u010dt\u011bte si, co se pod n\u00edm skr\u00fdv\u00e1, kdy budete pot\u0159ebovat zn\u00e1t jeho v\u00fdznam i jak se vypo\u010d\u00edt\u00e1.<\/strong><\/p>\n<h2>Co to je RPSN a co tento pojem zahrnuje? <\/h2>\n<p>O zkratce RPSN jste ji\u017e pravd\u011bpodobn\u011b n\u011bkdy sly\u0161eli v souvislosti s \u00fav\u011bry (hypot\u00e9kou, spot\u0159ebitelsk\u00fdmi i leasingem). Jedn\u00e1 se o <strong>ro\u010dn\u00ed procentn\u00ed sazbu n\u00e1klad\u016f,<\/strong> resp. celkov\u00e9 n\u00e1klady, kter\u00e9 mus\u00edte jako \u017eadatel\u00e9 zaplatit. Je v n\u00ed zahrnuta krom\u011b \u00farok\u016f i jistina (z\u00e1kladn\u00ed, vyp\u016fj\u010den\u00e1 \u010d\u00e1stka) a dal\u0161\u00ed n\u00e1klady. V\u011b\u0159itel\u00e9 ji musej\u00ed uv\u00e1d\u011bt <strong>v ro\u010dn\u00ed sazb\u011b.<\/strong><\/p>\n<p>N\u011bkter\u00e9 instituce mohou nab\u00edzet n\u00edzk\u00e9 \u00faroky, ale tak\u00e9 mnohon\u00e1sobn\u011b vy\u0161\u0161\u00ed dal\u0161\u00ed poplatky.<strong> K v\u00fdb\u011bru toho nejv\u00fdhodn\u011bj\u0161\u00edho \u00fav\u011bru<\/strong> v\u00e1m poslou\u017e\u00ed pr\u00e1v\u011b RPSN, d\u00edky kter\u00e9 zjist\u00edte jeho celkovou cenu. <\/p>\n<p>Banka nebo jin\u00e1 instituce m\u016f\u017ee do n\u00e1klad\u016f <strong>zahrnovat poplatky<\/strong> za:<\/p>\n<ul>\n<li>uzav\u0159en\u00ed <a href=\"https:\/\/orangeacademy.cz\/clanky\/smlouva-o-smlouve-budouci\/\" rel=\"noopener noreferrer\" target=\"_blank\">smlouvy<\/a>,<\/li>\n<li>veden\u00ed \u00fa\u010dtu,<\/li>\n<li>spr\u00e1vu \u00fav\u011bru,<\/li>\n<li>jednotliv\u00e9 transakce (resp. pohyb pen\u011bz na \u00fa\u010dtu).<\/li>\n<\/ul>\n<p>N\u011bkter\u00e9 <strong>dal\u0161\u00ed poplatky<\/strong> b\u00fdt v\u0161ak zahrnuty do RPSN nemus\u00ed. Jedn\u00e1 se nap\u0159\u00edklad o:<\/p>\n<ul>\n<li>kolek placen\u00fd na katastr\u00e1ln\u00edm \u00fa\u0159adu (u hypot\u00e9ky),<\/li>\n<li>odm\u011bna za odhad <a href=\"https:\/\/orangeacademy.cz\/clanky\/dan-z-nemovitosti-2020\/\" rel=\"noopener noreferrer\" target=\"_blank\">nemovitosti<\/a>,<\/li>\n<li>cena poji\u0161t\u011bn\u00ed \u00fav\u011bru,<\/li>\n<li>poplatky za pohyb pen\u011bz na b\u011b\u017en\u00e9m \u00fa\u010dtu.<\/li>\n<\/ul>\n<h2>Jak\u00fd je jeho v\u00fdpo\u010det? <\/h2>\n<p>Vzorec RPSN je n\u00e1sleduj\u00edc\u00ed:<\/p>\n<p> <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2020\/11\/RPSN_vzorec.png\" alt=\"rpsn vzorec\" width=\"232\" height=\"53\" class=\"alignnone size-full wp-image-3198\" \/><\/p>\n<p>&#8211;    <strong>m<\/strong> je po\u010det poskytnut\u00fdch p\u016fj\u010dek,<br \/>\n&#8211;    <strong>Ai<\/strong> je v\u00fd\u0161e i-t\u00e9 poskytnut\u00e9 p\u016fj\u010dky,<br \/>\n&#8211;    <strong>ti<\/strong> je doba (v letech a zlomc\u00edch roku ode dne 1. p\u016fj\u010dky), kdy byla i-t\u00e1 p\u016fj\u010dka poskytnuta,<br \/>\n&#8211;    <strong>n<\/strong> je po\u010det plateb,<br \/>\n&#8211;    <strong>Bj<\/strong> je v\u00fd\u0161e j-t\u00e9 platby (spl\u00e1tky, poplatku atd.),<br \/>\n&#8211;    <strong>sj<\/strong> doba (v letech a zlomc\u00edch roku ode dne 1. p\u016fj\u010dky), kdy byl j-t\u00fd poplatek zaplacen.<\/p>\n<p>Pod\u00edvejte se na n\u00e1sleduj\u00edc\u00ed p\u0159\u00edklad, na kter\u00e9m uvid\u00edte, jak vypad\u00e1 v\u00fdpo\u010det v praxi.<\/p>\n<p><strong>P\u0159\u00edklad: <\/strong><\/p>\n<p>Pan Vesel\u00fd si p\u016fj\u010dil od banky <strong>60 000 K\u010d<\/strong> p\u0159i ro\u010dn\u00ed \u00farokov\u00e9 sazb\u011b <strong>9 % p. a.<\/strong> Spot\u0159ebitelsk\u00fd \u00fav\u011br bude spl\u00e1cet 2 roky (tj. 24 m\u011bs\u00edc\u016f). Zaplat\u00ed poplatek za poskytnut\u00ed p\u016fj\u010dky ve v\u00fd\u0161i 2 000 K\u010d a m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku \u00fav\u011bru ve v\u00fd\u0161i <strong>2 358 K\u010d.<\/strong><\/p>\n<p>Abyste p\u0159\u00edklad spo\u010d\u00edtali, je t\u0159eba dosadit do vzorce v\u00fd\u0161e uv\u00e1d\u011bn\u00e1 \u010d\u00edsla:<\/p>\n<p>S = 60 000\/(1+r)0 + (- 2000\/(1+r)0) + (- 2358\/(1+r)1\/12) + (- 2358\/(1+r)2\/12) + \u2026 (-2358\/(1+r)24\/12)<\/p>\n<p>Pokud si rozum\u00edte s tabulkov\u00fdm procesorem <a href=\"https:\/\/orangeacademy.cz\/clanky\/danova-evidence-priklad\/\" rel=\"noopener noreferrer\" target=\"_blank\">MS Excel<\/a>, doporu\u010dujeme v\u00e1m pro v\u00fdpo\u010det prom\u011bnn\u00fdch <em>s<\/em> a <em>r<\/em> vyu\u017e\u00edt funkci \u0158e\u0161itel. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b m\u016f\u017eete v\u0161e zadat do n\u011bkter\u00e9 z online kalkula\u010dek na internetu.<\/p>\n<p>V\u00fdpo\u010det RPSN se v\u00e1m bude hodit v p\u0159\u00edpad\u011b, kdy budete cht\u00edt <strong>porovnat jednotliv\u00e9 nab\u00eddky \u00fav\u011br\u016f<\/strong> mezi sebou. Zjist\u00edte tak jejich celkovou cenu a budete m\u00edt <strong>rychle jasno<\/strong> v tom, jak\u00fd si vybrat. <\/p>\n<p><strong>Tip:<\/strong> P\u0159e\u010dt\u011bte si tak\u00e9 na\u0161e dal\u0161\u00ed rady, t\u00fdkaj\u00edc\u00ed se <a href=\"https:\/\/orangeacademy.cz\/clanky\/financni-gramotnost\/\" rel=\"noopener noreferrer\" target=\"_blank\">finan\u010dn\u00ed gramotnosti<\/a>!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>V r\u00e1mci finan\u010dn\u00ed gramotnosti byste nem\u011bli opom\u00edjet d\u016fle\u017eit\u00fd pojem RPSN. P\u0159e\u010dt\u011bte si, co se pod n\u00edm skr\u00fdv\u00e1, kdy budete pot\u0159ebovat zn\u00e1t jeho v\u00fdznam i jak se vypo\u010d\u00edt\u00e1. Co to je RPSN a co tento pojem zahrnuje? O zkratce RPSN jste ji\u017e pravd\u011bpodobn\u011b n\u011bkdy sly\u0161eli v souvislosti s \u00fav\u011bry (hypot\u00e9kou, spot\u0159ebitelsk\u00fdmi i leasingem). Jedn\u00e1 se o [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3199,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[14,9],"tags":[30,54,8],"class_list":["post-3197","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ucetnictvi-a-dane","category-vzdelavani","tag-jak-si-usnadnit-praci","tag-podnikani","tag-vzdelavani"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>RPSN: V\u00edte, co to je a jak se vypo\u010d\u00edt\u00e1?<\/title>\n<meta name=\"description\" content=\"V r\u00e1mci finan\u010dn\u00ed gramotnosti byste nem\u011bli opom\u00edjet pojem RPSN. P\u0159e\u010dt\u011bte si, co se pod n\u00edm skr\u00fdv\u00e1 i jak\u00fd je jeho v\u00fdpo\u010det.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/orangeacademy.cz\/clanky\/rpsn-co-to-je\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RPSN: V\u00edte, co to je a jak se vypo\u010d\u00edt\u00e1?\" \/>\n<meta property=\"og:description\" content=\"V r\u00e1mci finan\u010dn\u00ed gramotnosti byste nem\u011bli opom\u00edjet pojem RPSN. 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