{"id":120448,"date":"2025-12-15T19:47:44","date_gmt":"2025-12-15T18:47:44","guid":{"rendered":"https:\/\/hipersama.com\/?p=120448"},"modified":"2026-06-06T20:47:45","modified_gmt":"2026-06-06T18:47:45","slug":"sms-ucet-https-pujka-online-cz-nebankovni-pujcky-duchodci","status":"publish","type":"post","link":"https:\/\/hipersama.com\/index.php\/2025\/12\/15\/sms-ucet-https-pujka-online-cz-nebankovni-pujcky-duchodci\/","title":{"rendered":"SMS \u00fa\u010det https:\/\/pujka-online.cz\/nebankovni-pujcky\/ D\u016fchodci"},"content":{"rendered":"<div id=\"toc\" style=\"background: #f9f9f9; border: 1px solid #aaa; display: table; margin-bottom: 1em; padding: 1em; width: 350px;\">\n<p class=\"toctitle\" style=\"font-weight: bold; text-align: center;\">\u010cl\u00e1nky<\/p>\n<ul class=\"toc_list\">\n<li><a href=\"#toc-0\">\u00darokov\u00e1 sazba<\/a><\/li>\n<li><a href=\"#toc-1\">D\u00e9lka \u00fa\u010dtu<\/a><\/li>\n<li><a href=\"#toc-2\">Po\u017eadavky<\/a><\/li>\n<li><a href=\"#toc-3\">Proces pod\u00e1v\u00e1n\u00ed \u017e\u00e1dost\u00ed<\/a><\/li>\n<\/ul>\n<\/div>\n<p>D\u016fchodov\u00e9 aktiva jsou rozhodn\u011b centrem bohatstv\u00ed pro v\u00e1\u0161 d\u016fchod a pro trval\u00e9 partnery v d\u016fchodu. Maj\u00ed n\u00edzkou \u00farokovou sazbu a jsou chr\u00e1n\u011bny \u017eivotn\u00edm poji\u0161t\u011bn\u00edm Card Life (CLI). Va\u0161e m\u011bs\u00ed\u010dn\u00ed amortizace \u00fav\u011bru bude ode\u010dtena od d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed kupuj\u00edc\u00edho.<\/p>\n<p>Na rozd\u00edl od tradi\u010dn\u00edch aktiv textov\u00e9 financov\u00e1n\u00ed nevy\u017eaduje rozs\u00e1hl\u00e9 z\u00e1znamy a dal\u0161\u00ed kontroly \u00fav\u011brov\u00e9 historie. <!--more--> Ne\u017e si o n\u011bj ale za\u017e\u00e1d\u00e1te, budete si muset proj\u00edt rizika a nev\u00fdhody.<\/p>\n<h2 id=\"toc-0\">\u00darokov\u00e1 sazba<\/h2>\n<p>Pro jednotlivce, kte\u0159\u00ed si cht\u011bj\u00ed p\u016fj\u010dit pen\u00edze, existuj\u00ed ur\u010dit\u00e1 omezen\u00ed. Jednou z mo\u017enost\u00ed je textov\u00fd \u00fav\u011br, co\u017e je do\u010dasn\u00e1 hotovostn\u00ed p\u016fj\u010dka. Tyto p\u016fj\u010dky umo\u017e\u0148uj\u00ed spravovat sv\u00e9 finance a tak\u00e9 spl\u00e1cet dluhy. Je v\u0161ak vhodn\u00e9 pe\u010dliv\u011b zv\u00e1\u017eit potenci\u00e1ln\u00ed zdravotn\u00ed rizika spojen\u00e1 s t\u00edmto financov\u00e1n\u00edm. \u010casto maj\u00ed kr\u00e1tk\u00e9 doby splatnosti a p\u0159\u00edli\u0161 prom\u011bnliv\u00e9 \u00farokov\u00e9 sazby. Tyto faktory mohou v\u00e9st k tomu, \u017ee se u\u017eivatel\u00e9 ocitnou v kolob\u011bhu tohoto finan\u010dn\u00edho z\u00e1vazku.<\/p>\n<p>Jejich pokra\u010dov\u00e1n\u00ed v PL m\u016f\u017ee b\u00fdt elektronicky prezentov\u00e1no v aktu\u00e1ln\u00edm v\u00fdplatn\u00edm formul\u00e1\u0159i d\u016fchodce-dlu\u017en\u00edka partnerovi prost\u0159ednictv\u00edm DAEM v souladu s p\u0159\u00edslu\u0161n\u00fdm \u00fa\u010dtem a pokyny. Prvn\u00ed m\u011bs\u00edc amortizace bude ode\u010dten z PL do t\u0159iceti dn\u016f od vystaven\u00ed \u00fa\u010dtu. N\u011bkter\u00e9 platby \u00fa\u010dtovan\u00e9 v\u011b\u0159itelem budou uhrazeny d\u016fchodcem-kupuj\u00edc\u00edm formou sr\u00e1\u017eky z v\u00fdnos\u016f z PL. Jejich PL bude nav\u00edc chr\u00e1n\u011bn \u017eivotn\u00edm poji\u0161t\u011bn\u00edm Credit Life (CLI) pro SSS jako pr\u00e1v\u011b uveden\u00e9ho p\u0159\u00edjemce.<\/p>\n<p>Po \u00fapln\u00e9m splacen\u00ed aktiv se v\u00e1\u0161 d\u016fchodov\u00fd d\u016fchod od t\u00e9 doby zvy\u0161uje, ale m\u016f\u017ee b\u00fdt zp\u011btn\u011b zm\u011bn\u011bn k datu, kdy je poskytnuta p\u016fvodn\u00ed d\u016fchodov\u00e1 pomoc. ERS plat\u00ed i pro \u010dleny PFRS, kte\u0159\u00ed necht\u011bj\u00ed spl\u00e1cet sv\u016fj \u00fa\u010det po odchodu do d\u016fchodu, a cht\u011bj\u00ed pokra\u010dovat ve spl\u00e1tk\u00e1ch tohoto mimo\u0159\u00e1dn\u00e9ho z\u016fstatku, aby se zabr\u00e1nilo sankc\u00edm. SSS vyz\u00fdv\u00e1 u\u017eivatele, aby vyu\u017e\u00edvali v\u00fdhod integrace aktiv a schvalovali syst\u00e9m sankc\u00ed.<\/p>\n<h2 id=\"toc-1\">D\u00e9lka \u00fa\u010dtu<\/h2>\n<p>SMS dluh pro d\u016fchodce nab\u00edz\u00ed dobr\u00fd zp\u016fsob, jak si va\u0161i d\u016fchodci a poz\u016fstal\u00e9 man\u017eelky mohou koupit dolary. Na rozd\u00edl od tradi\u010dn\u00edch bankovn\u00edch p\u016fj\u010dek jsou SMS p\u016fj\u010dky p\u0159ipraveny snadno a nevy\u017eaduj\u00ed hodnocen\u00ed \u00fav\u011brov\u00e9 historie. Tento typ investice se v\u0161ak m\u016f\u017ee pochlubit i \u017eivou hodnotou zhodnocen\u00ed, tak\u017ee je d\u016fle\u017eit\u00e9, aby si dlu\u017en\u00edci zv\u00e1\u017eili svou schopnost spl\u00e1cet dluh, aby se vyhnuli za\u010darovan\u00e9mu kruhu t\u011bchto aktiv.<\/p>\n<p>Jin\u00fdmi slovy, syst\u00e9m soci\u00e1ln\u00edho zabezpe\u010den\u00ed (SSS) pro financov\u00e1n\u00ed d\u016fchodov\u00e9ho bydlen\u00ed na Havaji ozn\u00e1mil, <a href=\"https:\/\/pujka-online.cz\/nebankovni-pujcky\/\">https:\/\/pujka-online.cz\/nebankovni-pujcky\/<\/a> \u017ee nyn\u00ed bude pou\u017e\u00edvat textov\u00e9 zpr\u00e1vy, aby lidem p\u0159ipomn\u011bl v\u010dasn\u00e9 splacen\u00ed sv\u00fdch \u00fav\u011brov\u00fdch z\u00e1vazk\u016f. Bude dlu\u017en\u00edk\u016fm m\u011bs\u00ed\u010dn\u011b zas\u00edlat ozn\u00e1men\u00ed o amortizaci \u00fav\u011bru prost\u0159ednictv\u00edm textov\u00fdch zpr\u00e1v. Tak\u00e9 je bude informovat, pokud maj\u00ed nezaplacen\u00e9 kr\u00e1tkodob\u00e9 pohled\u00e1vky po splatnosti.<\/p>\n<p>SSS ve skute\u010dnosti umo\u017e\u0148uje sv\u00fdm z\u00e1kazn\u00edk\u016fm z\u00edskat a\u017e 80 % z\u00e1kladn\u00edho m\u011bs\u00ed\u010dn\u00edho d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed a tak\u00e9 dal\u0161\u00edch 110 000 P. Prvn\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka bude provedena v posledn\u00edch m\u011bs\u00edc\u00edch od vzniku dluhu. Bude \u00fa\u010dtov\u00e1na m\u00edstn\u00ed sazba ve v\u00fd\u0161i n\u011bkolika procent (2 %), kter\u00e1 bude ode\u010dtena z z\u016fstatku d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed. V\u00e1\u0161 d\u016fchodov\u00fd poji\u0161t\u011bn\u00ed bude poji\u0161t\u011bn \u017eivotn\u00edm poji\u0161t\u011bn\u00edm (CLI), ve kter\u00e9m je SSS uveden jako jedin\u00fd p\u0159\u00edjemce\/p\u0159\u00edjemci.<\/p>\n<h2 id=\"toc-2\">Po\u017eadavky<\/h2>\n<p>Krom\u011b toho, \u017ee m\u016f\u017ee b\u00fdt pohodln\u00fdm zp\u016fsobem spl\u00e1cen\u00ed, nab\u00edz\u00ed textov\u00e9 zpr\u00e1vy dluh kapit\u00e1lovou sob\u011bsta\u010dnost, kter\u00e1 je pro d\u016fchodce snadn\u00e1. Mu\u017e si m\u016f\u017ee vz\u00edt p\u016fj\u010dku na \u00fahradu neo\u010dek\u00e1van\u00fdch v\u00fddaj\u016f a dal\u0161\u00edch dodate\u010dn\u00fdch \u00fakol\u016f, jako je nap\u0159\u00edklad pl\u00e1nov\u00e1n\u00ed v\u00fdletu. Krom\u011b toho m\u016f\u017ee z\u00edskat p\u0159ijatelnou \u00farokovou sazbu na sv\u00e1 aktiva ve srovn\u00e1n\u00ed s jin\u00fdmi kreditn\u00edmi kartami. Mu\u017e si tak\u00e9 m\u016f\u017ee sjednat vy\u0161\u0161\u00ed \u00farokovou sazbu nebo jin\u00fd konsolida\u010dn\u00ed \u00fav\u011br.<\/p>\n<p>Tato mo\u017enost p\u016fj\u010dek by byla obzvl\u00e1\u0161t\u011b ide\u00e1ln\u00ed pro d\u016fchodce, kte\u0159\u00ed maj\u00ed m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy a p\u0159esto pot\u0159ebuj\u00ed platit \u00fa\u010dty. M\u016f\u017eete si vybrat hotovost bez obav z p\u0159\u00edli\u0161 zdlouhav\u00fdch schvalovac\u00edch krok\u016f a nav\u00edc to pom\u00e1h\u00e1 udr\u017eet si \u00fav\u011brovou historii. M\u016f\u017ee jim to tak\u00e9 pomoci pokr\u00fdt neo\u010dek\u00e1van\u00e9 v\u00fddaje, jako jsou poplatky za zdravotn\u00ed p\u00e9\u010di a dal\u0161\u00ed okam\u017eit\u00e9 nouzov\u00e9 situace.<\/p>\n<p>Lid\u00e9, kte\u0159\u00ed spl\u0148uj\u00ed podm\u00ednky pro pod\u00e1n\u00ed \u017e\u00e1dosti o tato aktiva, pat\u0159\u00ed do d\u016fchodov\u00e9ho t\u00fdmu centr\u00e1ln\u00edch a st\u00e1tn\u00edch firem, do soukrom\u00fdch i polovojensk\u00fdch organizac\u00ed (BSF, CISF, CRPF atd.). Je tak\u00e9 k dispozici jejich man\u017eel\u016fm\/man\u017eelk\u00e1m pro zesnul\u00e9 d\u016fchodce a lidem, kte\u0159\u00ed s man\u017eelem\/man\u017eelkou v\u00edt\u011bz\u00ed v d\u016fchodu.<\/p>\n<p>Tento \u00fa\u010det m\u016f\u017eete vyu\u017e\u00edt, \u010dlen by m\u011bl b\u00fdt schopen zaslat n\u00e1sleduj\u00edc\u00ed po\u017eadavky:<\/p>\n<h2 id=\"toc-3\">Proces pod\u00e1v\u00e1n\u00ed \u017e\u00e1dost\u00ed<\/h2>\n<p>D\u016fchodci, kte\u0159\u00ed jsou v sou\u010dasn\u00e9 dob\u011b registrov\u00e1ni na webov\u00fdch str\u00e1nk\u00e1ch SSS, si nyn\u00ed mohou zaslat \u017e\u00e1dost o penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed na Googlu. To je v souladu s deklarac\u00ed SSS 212 odst. 2022, kter\u00e1 obsahuje revidovan\u00e1 implementa\u010dn\u00ed doporu\u010den\u00ed t\u00fdkaj\u00edc\u00ed se procesu penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed. Aby si dlu\u017en\u00edk mohl zalo\u017eit penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed, mus\u00ed p\u0159edlo\u017eit sv\u00e9 karty SS a dal\u0161\u00ed karty UMID a tak\u00e9 doklad toto\u017enosti s fotografi\u00ed poskytnut\u00fd \u00fa\u0159ady. Z\u00e1rove\u0148 mus\u00ed p\u0159edlo\u017eit doklad o finan\u010dn\u00edch prost\u0159edc\u00edch a doklad o schvalov\u00e1n\u00ed. V\u0161ichni d\u016fchodci jsou tak\u00e9 kryti \u00fav\u011brov\u00fdm poji\u0161t\u011bn\u00edm (CLI), kter\u00e9 zaji\u0161\u0165uje, \u017ee v p\u0159\u00edpad\u011b jejich p\u0159ed\u010dasn\u00e9ho \u00famrt\u00ed bude vyplaceno jejich vlastn\u00ed zaji\u0161t\u011bn\u00ed. Tak\u00e9 se nyn\u00ed ru\u0161\u00ed jejich vz\u00e1jemn\u00e9 % n\u00e1klady na n\u00e1stroje, kter\u00e9 SSS neust\u00e1le \u00fa\u010dtuje, a vy budete moci dotovat maximum pro CLI.<\/p>\n<p>Po doru\u010den\u00ed v\u00e1\u0161 d\u016fchodce-dlu\u017en\u00edk jist\u011b obdr\u017e\u00ed zpr\u00e1vu s potvrzen\u00edm zpr\u00e1vy a vodoznakem opat\u0159en\u00fd PDF soubor s jeho\/jejich prohl\u00e1\u0161en\u00edm. Mus\u00ed si pe\u010dliv\u011b prostudovat obsah sv\u00e9ho prohl\u00e1\u0161en\u00ed o prohl\u00e1\u0161en\u00ed a za\u0161krtnout pol\u00ed\u010dko \u201eKredit, licen\u010dn\u00ed a platebn\u00ed smlouva\u201c, aby se dr\u017eel\/a syst\u00e9m\u016f.<\/p>\n<p>Po schv\u00e1len\u00ed penzijn\u00edch aktiv bude EFT centrem za\u00fa\u010dtov\u00e1n poplatek. Cena vyp\u016fj\u010den\u00fdch prost\u0159edk\u016f bude p\u0159ips\u00e1na na st\u00e1vaj\u00edc\u00ed \u00fa\u010det SSS d\u016fchodce nebo na jin\u00fd zprost\u0159edkovatelsk\u00fd \u00fa\u010det schv\u00e1len\u00fd poskytovatelem p\u016fj\u010dky. P\u0159\u00edpadn\u00e9 sazby za dluh mohou b\u00fdt kupuj\u00edc\u00edm na\u00fa\u010dtov\u00e1ny ode\u010dtem z z\u016fstatku penzijn\u00edho poji\u0161t\u011bn\u00ed. Dlu\u017en\u00edk nav\u00edc nemus\u00ed b\u00fdt po ukon\u010den\u00ed smlouvy o st\u00e1vaj\u00edc\u00edch aktivech opr\u00e1vn\u011bn znovu sjednat stejnou cenu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u010cl\u00e1nky \u00darokov\u00e1 sazba D\u00e9lka \u00fa\u010dtu Po\u017eadavky Proces pod\u00e1v\u00e1n\u00ed \u017e\u00e1dost\u00ed D\u016fchodov\u00e9 aktiva jsou rozhodn\u011b centrem bohatstv\u00ed pro v\u00e1\u0161 d\u016fchod a pro<\/p>\n","protected":false},"author":32,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/hipersama.com\/index.php\/wp-json\/wp\/v2\/posts\/120448"}],"collection":[{"href":"https:\/\/hipersama.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hipersama.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hipersama.com\/index.php\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/hipersama.com\/index.php\/wp-json\/wp\/v2\/comments?post=120448"}],"version-history":[{"count":1,"href":"https:\/\/hipersama.com\/index.php\/wp-json\/wp\/v2\/posts\/120448\/revisions"}],"predecessor-version":[{"id":120449,"href":"https:\/\/hipersama.com\/index.php\/wp-json\/wp\/v2\/posts\/120448\/revisions\/120449"}],"wp:attachment":[{"href":"https:\/\/hipersama.com\/index.php\/wp-json\/wp\/v2\/media?parent=120448"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hipersama.com\/index.php\/wp-json\/wp\/v2\/categories?post=120448"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hipersama.com\/index.php\/wp-json\/wp\/v2\/tags?post=120448"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}