{"id":21068,"date":"2023-07-20T17:35:54","date_gmt":"2023-07-20T15:35:54","guid":{"rendered":"https:\/\/www.sharesub.com\/cms\/pozicky-medzi-priatelmi-preco-a-ako\/"},"modified":"2026-04-22T13:25:25","modified_gmt":"2026-04-22T11:25:25","slug":"pozicky-medzi-priatelmi-preco-a-ako","status":"publish","type":"post","link":"https:\/\/www.sharesub.com\/cms\/sk\/pozicky-medzi-priatelmi-preco-a-ako\/","title":{"rendered":"P\u00f4\u017ei\u010dky medzi priate\u013emi: pre\u010do a ako?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">P\u00f4\u017ei\u010dky medzi priate\u013emi alebo medzi s\u00fakromn\u00fdmi osobami s\u00fa \u010doraz be\u017enej\u0161ie. \u010ci u\u017e ide o pomoc priate\u013eovi, ktor\u00fd sa ocitol v \u0165a\u017ekostiach, alebo o mal\u00fa dodato\u010dn\u00fa pomoc, umo\u017e\u0148uj\u00fa v\u00e1m uspokoji\u0165 pr\u00edle\u017eitostn\u00e9 finan\u010dn\u00e9 potreby bez toho, aby ste museli \u00eds\u0165 do banky alebo k tradi\u010dn\u00e9mu verite\u013eovi.  <\/p>\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Ako po\u017ei\u010da\u0165 peniaze priate\u013eovi alebo medzi jednotlivcami?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Po\u017ei\u010diavanie pe\u0148az\u00ed medzi priate\u013emi alebo medzi jednotlivcami by sa malo bra\u0165 v\u00e1\u017ene. Aby ste predi\u0161li ak\u00fdmko\u013evek nedorozumeniam, mali by ste vypracova\u0165 p\u00edsomn\u00fa zmluvu, v ktorej uvediete v\u00fd\u0161ku \u00faveru, podmienky spl\u00e1cania a lehotu splatnosti.  <\/p>\n<\/div><\/div>\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Ako sa del\u00edte o svoje v\u00fddavky?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Zdie\u013eanie v\u00fddavkov medzi priate\u013emi alebo spolub\u00fdvaj\u00facimi <strong>m\u00f4\u017ee by\u0165 n\u00e1ro\u010dn\u00e9 <\/strong>. Tu je<strong>nieko\u013eko tipov, ktor\u00e9 v\u00e1m pom\u00f4\u017eu<\/strong> spravodlivo<strong>si rozdeli\u0165 v\u00fddavky<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pou\u017eite aplik\u00e1ciu na zdie\u013eanie n\u00e1kladov, napr\u00edklad <a href=\"https:\/\/www.sharesub.com\/sk\" target=\"_blank\" rel=\"noreferrer noopener\">Sharesub<\/a>.<\/strong><\/li>\n\n\n\n<li>Vies\u0165 si z\u00e1znamy o v\u00fddavkoch, aby ste vedeli, kto \u010do dlhuje.<\/li>\n\n\n\n<li>Vypracujte rozpo\u010det na spolo\u010dn\u00e9 v\u00fddavky.<\/li>\n<\/ul>\n<\/div><\/div>\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Ktor\u00e1 aplik\u00e1cia je najlep\u0161ia na zdie\u013eanie n\u00e1kladov?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Existuje mnoho aplik\u00e1ci\u00ed, ktor\u00e9 umo\u017e\u0148uj\u00fa zdie\u013ea\u0165 n\u00e1klady s priate\u013emi alebo spolub\u00fdvaj\u00facimi. Tu s\u00fa niektor\u00e9 z najob\u013e\u00fabenej\u0161\u00edch aplik\u00e1ci\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Splitwise<\/strong>: Rozdelenie v\u00fddavkov medzi jednotlivcov<\/li>\n\n\n\n<li><a href=\"https:\/\/www.sharesub.com\/sk\" target=\"_blank\" rel=\"noreferrer noopener\">\n  <strong>Sharesub<\/strong>\n<\/a> : Zdie\u013eanie predplatn\u00e9ho medzi priate\u013emi a jednotlivcami  <\/li>\n\n\n\n<li><strong>Tricount<\/strong>: Spr\u00e1va v\u00fddavkov medzi priate\u013emi<\/li>\n\n\n\n<li><a href=\"https:\/\/www.paypal.com\/fr\/home\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>PayPal<\/strong><\/a><\/li>\n<\/ul>\n<\/div><\/div>\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Ako m\u00f4\u017eem vr\u00e1ti\u0165 peniaze priate\u013eovi?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Spl\u00e1canie p\u00f4\u017ei\u010dky medzi priate\u013emi alebo medzi s\u00fakromn\u00fdmi osobami sa mus\u00ed uskuto\u010dni\u0165 v s\u00falade s podmienkami zmluvy. Peniaze m\u00f4\u017eete splati\u0165 jednorazovo alebo v spl\u00e1tkach pod\u013ea dohody. Je d\u00f4le\u017eit\u00e9 dodr\u017eiava\u0165 lehotu splatnosti, aby sa predi\u0161lo pr\u00edpadn\u00fdm sporom.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pre\u010do by ste v\u0161ak mali uva\u017eova\u0165 o p\u00f4\u017ei\u010dke medzi priate\u013emi alebo s\u00fakromn\u00fdmi osobami? Tu je nieko\u013eko d\u00f4le\u017eit\u00fdch d\u00f4vodov:<\/p>\n<\/div><\/div>\n\n<h2 class=\"wp-block-heading\">Flexibilnej\u0161ie podmienky<\/h2>\n\n<p class=\"wp-block-paragraph\">Ke\u010f si po\u017ei\u010diavate peniaze od banky alebo tradi\u010dn\u00e9ho verite\u013ea, pravdepodobne budete \u010deli\u0165 pr\u00edsnym podmienkam spl\u00e1cania. Pri p\u00f4\u017ei\u010dke medzi priate\u013emi alebo medzi s\u00fakromn\u00fdmi osobami si m\u00f4\u017eete dohodn\u00fa\u0165 flexibilnej\u0161ie podmienky, ktor\u00e9 lep\u0161ie vyhovuj\u00fa va\u0161ej osobnej situ\u00e1cii.<\/p>\n\n<h2 class=\"wp-block-heading\">Ni\u017e\u0161ia alebo nulov\u00e1 \u00farokov\u00e1 sadzba<\/h2>\n\n<p class=\"wp-block-paragraph\">Jednou z hlavn\u00fdch v\u00fdhod p\u00f4\u017ei\u010diek medzi priate\u013emi alebo medzi jednotlivcami je, \u017ee \u00farokov\u00e9 sadzby m\u00f4\u017eu by\u0165 ni\u017e\u0161ie ako tie, ktor\u00e9 pon\u00fakaj\u00fa tradi\u010dn\u00ed veritelia. V mnoh\u00fdch pr\u00edpadoch nie je z\u00e1ujem v\u00f4bec \u017eiadny. To znamen\u00e1, \u017ee si m\u00f4\u017eete po\u017ei\u010da\u0165 peniaze za ni\u017e\u0161iu cenu.<\/p>\n\n<p class=\"wp-block-paragraph\">Teraz, ke\u010f u\u017e viete, pre\u010do m\u00f4\u017eu by\u0165 p\u00f4\u017ei\u010dky medzi priate\u013emi alebo medzi jednotlivcami dobrou vo\u013ebou, pozrime sa na to, ako m\u00f4\u017eete po\u017ei\u010da\u0165 peniaze priate\u013eovi alebo jednotlivcovi a ako ich priate\u013eovi vr\u00e1ti\u0165.<\/p>\n\n<h2 class=\"wp-block-heading\">Ako zvl\u00e1date v\u00fddavky vo dvojici?<\/h2>\n\n<p class=\"wp-block-paragraph\">Spravovanie v\u00fddavkov v p\u00e1re m\u00f4\u017ee by\u0165 zlo\u017eit\u00e9. Tu je nieko\u013eko tipov, ktor\u00e9 v\u00e1m pom\u00f4\u017eu pri riaden\u00ed v\u00fddavkov s partnerom:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Prediskutujte spolo\u010dn\u00e9 v\u00fddavky a sp\u00f4sob, ak\u00fdm s nimi budete hospod\u00e1ri\u0165.<\/li>\n\n\n\n<li>Vypracujte spolo\u010dn\u00fd rozpo\u010det.<\/li>\n\n\n\n<li>V\u00fddavky si zaznamen\u00e1vajte, aby ste predi\u0161li pr\u00edpadn\u00fdm nedorozumeniam.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Na z\u00e1ver mo\u017eno poveda\u0165, \u017ee p\u00f4\u017ei\u010dky medzi priate\u013emi alebo medzi jednotlivcami m\u00f4\u017eu by\u0165 zauj\u00edmavou mo\u017enos\u0165ou na uspokojenie pr\u00edle\u017eitostn\u00fdch finan\u010dn\u00fdch potrieb. Je v\u0161ak d\u00f4le\u017eit\u00e9 venova\u0165 \u010das diskusii o podmienkach \u00faveru, vypracova\u0165 p\u00edsomn\u00fa zmluvu a dodr\u017eiava\u0165 spl\u00e1tkov\u00fd kalend\u00e1r. Ak ste pripraven\u00ed uzavrie\u0165 p\u00f4\u017ei\u010dku medzi priate\u013emi alebo medzi jednotlivcami, ur\u010dite sa ria\u010fte t\u00fdmito tipmi, aby ste sa vyhli ak\u00fdmko\u013evek nedorozumeniam.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>P\u00f4\u017ei\u010dky medzi priate\u013emi alebo medzi s\u00fakromn\u00fdmi osobami s\u00fa \u010doraz be\u017enej\u0161ie. \u010ci u\u017e ide o pomoc priate\u013eovi, ktor\u00fd sa ocitol v \u0165a\u017ekostiach, alebo o mal\u00fa dodato\u010dn\u00fa&#8230;<\/p>\n","protected":false},"author":3,"featured_media":21057,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_press_lang":"","_press_original_id":"","_press_pair_id":"","_press_translated_at":"","footnotes":""},"categories":[330],"tags":[],"class_list":["post-21068","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-novinky"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>P\u00f4\u017ei\u010dky medzi priate\u013emi: pre\u010do a ako? 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