Uve\u010fme p\u0159\u00edklad: Carla m\u00e1 fakturu za R$ 1 000,00 real\u016f, ale tento m\u011bs\u00edc nebude schopna zaplatit celou \u010d\u00e1stku. Tak\u017ee se rozhodne pro revolvingovou variantu a zaplat\u00ed minim\u00e1ln\u00ed \u010d\u00e1stku 150,00 real\u016f. V tomto p\u0159\u00edpad\u011b bude dlu\u017eit R$ 850,00, kter\u00e1 bude financov\u00e1na p\u0159\u00ed\u0161t\u00ed m\u011bs\u00edc.<\/p>\n<\/div>
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Na R$ 850,00 Carla tak\u00e9 zaplat\u00ed \u010d\u00e1stku revolvingov\u00e9ho \u00faroku (kolem 15,85%), pokutu za prodlen\u00ed (2% m\u011bs\u00ed\u010dn\u011b), \u00farok z prodlen\u00ed (1% m\u011bs\u00ed\u010dn\u011b) a IOF (da\u0148 z \u00fav\u011brov\u00fdch operac\u00ed, sm\u011bny a poji\u0161t\u011bn\u00ed) . Dal\u0161\u00ed faktura tedy p\u016fjde z 850,00 R$ na 948,72 R$. Jin\u00fdmi slovy, R$ 98,72 jen za poplatky.<\/p>\n<\/div>
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Pokud bude Carla nad\u00e1le ka\u017ed\u00fd m\u011bs\u00edc tla\u010dit dluh do revolvingov\u00e9ho kalend\u00e1\u0159e a v\u017edy platit minimum, v\u0161imn\u011bte si, \u017ee \u010d\u00e1stka bude postupn\u011b ka\u017ed\u00fd m\u011bs\u00edc r\u016fst. Proto za \u0161est m\u011bs\u00edc\u016f dluh, kter\u00fd \u010dinil pouh\u00fdch 1 000,00 R$ a\u017e 1 708,90 R$, zp\u016fsobil, \u017ee se dluh zn\u00e1sobil, a t\u00edm vzrostla sn\u011bhov\u00e1 koule.<\/p>\n<\/div>
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Zaplacen\u00edm minim\u00e1ln\u00ed \u010d\u00e1stky tak budete ka\u017ed\u00fd m\u011bs\u00edc platit je\u0161t\u011b v\u00edce. A s t\u00edmto hromad\u011bn\u00edm dluh\u016f je st\u00e1le obt\u00ed\u017en\u011bj\u0161\u00ed v\u0161e splatit a z\u00edskat zp\u011bt klid se sv\u00fdmi platbami.<\/p>\n<\/div>
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Vyplat\u00ed se sp\u00ed\u0161e minim\u00e1ln\u00ed platba nebo spl\u00e1tka?<\/strong><\/h2>\n<\/div>\n