{"id":1259,"date":"2023-05-18T20:46:10","date_gmt":"2023-05-19T01:46:10","guid":{"rendered":"https:\/\/subtomy.com\/?p=1259"},"modified":"2023-05-18T20:47:02","modified_gmt":"2023-05-19T01:47:02","slug":"findom-debt-contract-calculator","status":"publish","type":"post","link":"https:\/\/subtomy.com\/sk\/kalkulacka-zmluvy-o-dlhu-findom\/","title":{"rendered":"Kalkula\u010dka zmluvy o dlhu Findom + graf platieb na vytla\u010denie pre v\u00e1\u0161ho subdod\u00e1vate\u013ea"},"content":{"rendered":"<p>Ahoj, kamar\u00e1t nad\u0161enec pre findom! Tak\u017ee si u\u017e nejak\u00fd \u010das v hre a chce\u0161 svoju kari\u00e9ru finan\u010dnej nadvl\u00e1dy posun\u00fa\u0165 na vy\u0161\u0161iu \u00farove\u0148? Nu\u017e, skvel\u00e1 spr\u00e1va: som tu, aby som v\u00e1m pomohol. V kr\u00e1tkom \u010dase sa dozvie\u0161 v\u0161etko, \u010do potrebuje\u0161 vedie\u0165 o tom, ako funguj\u00fa kalkula\u010dky dl\u017eobn\u00fdch zml\u00fav Findom. Navy\u0161e sa s vami podel\u00edm o ... <\/p>\n\n\n\n<p>Navy\u0161e sa s vami podel\u00edm o nieko\u013eko svojich tipov a trikov, aby ste mohli maximalizova\u0165 svoje zisky a uisti\u0165 sa, \u017ee va\u0161i submis\u00edvni zamestnanci s\u00fa zodpovedn\u00ed za svoje dlhy.<\/p>\n\n\n\n<p><code>    <div class=\"wp-loan-calculator-main\" id=\"wp-loan-calculator-main\">\n        <style type=\"text\/css\">\n            :root {\n                --calc-background-color: #fca311;\n                --calc-select-color: #404245;\n                --calc-bg-light-color: #fff7d7;\n                --calc-border-color: #000000;\n                --calc-graph-color: ;\n                --calc-graph-color-sub: ;\n                --calc-graph-border-color: ;\n                --calc-graph-border-color-sub: ;\n                --calc-graph-balance-border-color: #b8204c;\n                --calc-graph-balance-point-background-color: #b8204c;\n                --calc-graph-extra-payment-graph-color: #00636b;\n                --calc-summary-chart-principal-fill-color: #ed8c2b;\n                --calc-summary-chart-interest-fill-color: #88a825;\n                --calc-summary-chart-balloon-payment-fill-color: #25649f;\n                --calc-summary-chart-down-payment-fill-color: #b8204c;\n                --calc-summary-chart-extra-payment-fill-color: #cf4a30;                \n\n            }\n        <\/style>\n        <div id=\"overlay\" style=\"display: none;\"><\/div>\n        <div id=\"loader\" style=\"display: none;\">\n          <div class=\"spinner\"><\/div>\n      <\/div>\n      <section class=\"heading-section\">\n        <div class=\"menu-sec-cls\">\n            <ul class=\"heading-sec-link\">\n                                    <li>\n                        <a href=\"javascript:void(0);\" class=\"print-table\"><i class=\"fa fa-print\" aria-hidden=\"true\"><\/i>Tla\u010d<\/a>\n                    <\/li>\n                                                    <li>\n                        <a href=\"javascript:void(0);\" onclick=\"jQuery('.about-this-calculator-popup').show();jQuery('body').addClass('body-overflow-hidden');\"><i class=\"fa fa-info-circle\" aria-hidden=\"true\"><\/i>O tejto kalkula\u010dke<\/a>\n                    <\/li>\n                            <\/ul>\n        <\/div>\n        <div class=\"about-this-calculator-popup\" style=\"display: none;\">\n            <div class=\"about-this-calculator-popup-body\">\n                <a href=\"javascript:void(0);\" class=\"close-button\" onclick=\"jQuery('.about-this-calculator-popup').hide();jQuery('body').removeClass('body-overflow-hidden');\">\u2715<\/a>\n                                <div class=\"calculator-content\"><h1>Inform\u00e1cie o kalkula\u010dke<\/h1>\r\nKalkula\u010dka zmluvy o dlhu Findom vypo\u010d\u00edta typ po\u017eadovanej spl\u00e1tky v po\u017eadovanej frekvencii vzh\u013eadom na zadan\u00e9 parametre \u00faveru, konkr\u00e9tne v\u00fd\u0161ku, dobu splatnosti a \u00farokov\u00fa sadzbu. Vybran\u00fd produkt ur\u010duje predvolen\u00fa \u00farokov\u00fa sadzbu pre osobn\u00e9 \u00faverov\u00e9 produkty.\r\n\r\nKalkula\u010dka zmluvy o dlhu Findom vypo\u010d\u00edta aj \u010das u\u0161etren\u00fd na splatenie \u00faveru a v\u00fd\u0161ku u\u0161etren\u00fdch \u00farokov na z\u00e1klade \u010fal\u0161\u00edch vstupn\u00fdch \u00fadajov od z\u00e1kazn\u00edka. To v pr\u00edpade, ak sa spl\u00e1tky zv\u00fd\u0161ia o zadan\u00fa sumu dodato\u010dn\u00e9ho vkladu za obdobie spl\u00e1cania. T\u00e1to funkcia je povolen\u00e1 len pre produkty, ktor\u00e9 podporuj\u00fa dodato\u010dn\u00e9 spl\u00e1canie.\r\n\r\nV\u00fdpo\u010dty sa vykon\u00e1vaj\u00fa pri zadanej frekvencii spl\u00e1cania vzh\u013eadom na p\u00f4vodn\u00e9 parametre \u00faveru, a to sumu, ro\u010dn\u00fa \u00farokov\u00fa sadzbu a dobu splatnosti v rokoch.\r\n<h1>Predpoklady kalkula\u010dky<\/h1>\r\n<h3>D\u013a\u017eka mesiaca<\/h3>\r\nPredpoklad\u00e1 sa, \u017ee v\u0161etky mesiace s\u00fa rovnako dlh\u00e9. V skuto\u010dnosti sa mnoh\u00e9 \u00favery \u00faro\u010dia denne, \u010do vedie k r\u00f4znemu po\u010dtu dn\u00ed \u00faro\u010denia v z\u00e1vislosti od po\u010dtu dn\u00ed v danom mesiaci.\r\n<h3>Po\u010det t\u00fd\u017ed\u0148ov alebo t\u00fd\u017ed\u0148ov v roku<\/h3>\r\nPredpoklad\u00e1 sa, \u017ee jeden rok obsahuje presne 52 t\u00fd\u017ed\u0148ov alebo 26 dvojt\u00fd\u017ed\u0148ov. To implicitne predpoklad\u00e1, \u017ee rok m\u00e1 364 dn\u00ed a nie 365 alebo 366.\r\n<h3>Zaokr\u00fah\u013eovanie sumy ka\u017edej spl\u00e1tky<\/h3>\r\nV praxi sa spl\u00e1tky zaokr\u00fah\u013euj\u00fa aspo\u0148 na najbli\u017e\u0161\u00ed cent. Kalkula\u010dka v\u0161ak pou\u017e\u00edva nezaokr\u00fahlen\u00e9 spl\u00e1tky na odvodenie v\u00fd\u0161ky \u00farokov splatn\u00fdch v jednotliv\u00fdch bodoch grafu a celkovo po\u010das celej doby splatnosti \u00faveru. Tento predpoklad umo\u017e\u0148uje hladk\u00fd graf a rovnak\u00e9 v\u00fd\u0161ky spl\u00e1tok. V\u0161imnite si, \u017ee kone\u010dn\u00e1 spl\u00e1tka je po zv\u00fd\u0161en\u00ed v\u00fd\u0161ky spl\u00e1tky.\r\n<h3>Zaokr\u00fah\u013eovanie u\u0161etren\u00e9ho \u010dasu<\/h3>\r\nU\u0161etren\u00fd \u010das sa uv\u00e1dza ako po\u010det rokov a mesiacov, \u0161trn\u00e1s\u0165 dn\u00ed alebo t\u00fd\u017ed\u0148ov v z\u00e1vislosti od zvolenej frekvencie spl\u00e1cania. Pri v\u00fdpo\u010dte \u00faspory sa predpoklad\u00e1 pr\u00edpadn\u00e9 \u010diasto\u010dn\u00e9 posledn\u00e9 splatenie.\r\n<h3>V\u00fd\u0161ka u\u0161etren\u00fdch \u00farokov<\/h3>\r\nT\u00fato sumu mo\u017eno len pribli\u017ene odhadn\u00fa\u0165 na z\u00e1klade u\u0161etren\u00e9ho \u010dasu a na z\u00e1klade p\u00f4vodn\u00fdch \u00fadajov o p\u00f4\u017ei\u010dke.\r\n<h3>Zrieknutie sa zodpovednosti za kalkula\u010dku<\/h3>\r\nV\u00fdsledky z tejto kalkula\u010dky by sa mali pou\u017e\u00edva\u0165 len ako orienta\u010dn\u00e9. V\u00fdsledky nepredstavuj\u00fa cenov\u00e9 ponuky ani predbe\u017en\u00e9 kvalifik\u00e1cie na v\u00fdrobok. Jednotliv\u00e9 in\u0161tit\u00facie pou\u017e\u00edvaj\u00fa r\u00f4zne vzorce. Inform\u00e1cie, ako napr\u00edklad uv\u00e1dzan\u00e9 \u00farokov\u00e9 sadzby a \u00fadaje o zlyhan\u00ed pou\u017eit\u00e9 v predpokladoch, sa m\u00f4\u017eu zmeni\u0165.<\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n    <section id=\"main-sec\" class=\"ctm_main_wrap\">\n        <section class=\"calculator-heading-section calculator-heading-block\">\n            <div class=\"calculator-child-heading\">\n                <h2>\n                    <center><strong>Va\u0161a kalkula\u010dka zmluvy o dlhu Findom<\/strong><\/center>\n                <\/h2>\n            <\/div>\n        <\/section>\n        <section class=\"loan-option-text-info\">\n            <div class=\"custom-container loan-option-text-info-section\">\n                <div class=\"loan-option-text-info-block\">\n                    <div class=\"first-row\">\n                        <div class=\"first-row-sub-child\"  >\n\n                            <label for=\"loan_amt\" class=\"loan-text\">Loan Amount<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"1\"><\/i><span class=\"text-tooltip-disp\">Please enter the debt you want your sub to have here.<\/span><\/label>\n                            <div class=\"loan-text-dis loan-amount\">\n                                <span class=\"extra-info\">&#036;<\/span>\n                                <input type=\"text\" name=\"loan_amount\" id=\"loan_amount\" value=\"\" tabindex=\"2\" oninput=\"validateInputLoanRate(this)\" onkeydown=\"return onlyNos(event,'loan_amount')\" \/>\n                            <\/div>\n                            <input type=\"range\" min=\"1000\" max=\"1000000\" value=\"10000\" class=\"slider\" id=\"loan_amount_range\" tabindex=\"3\" >\n                        <\/div>\n                        <div class=\"first-row-sub-child\">\n                            <label for=\"loan_terms\" class=\"loan-text\">No. of Payments<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"4\"><\/i><span class=\"text-tooltip-disp\">Please enter the number of years you want your sub in your debt.<\/span><\/label>\n                            <div class=\"loan-number-payment-with-label\">\n                                <div class=\"loan-text-dis no-payment\">\n                                    <!-- <span class=\"extra-info\"><\/\/?php echo __('Months', 'loan-calculator-wp'); ?><\/span> -->\n                                                                            <select name=\"repayment_freq\" id=\"repayment_freq\" class=\"payment-opt-drop single-val-option\">\n                                            <option value=\"Monthly\" selected>Mesa\u010dne<\/option>\n                                        <\/select>\n                                                                        <input type=\"text\" name=\"loan_terms\" min=\"12\" max=\"84\" maxlength=\"5\" id=\"loan_terms\" value=\"\" tabindex=\"5\" onkeydown=\"return onlyNos(event,'loan_terms')\" \/>\n\n                                <\/div>\n\n                                                            <\/div>\n\n                            <input type=\"range\" min=\"12\" max=\"84\" value=\"12\" class=\"slider\" id=\"loan_terms_range\" tabindex=\"6\" step=\"1\">\n                            <input type=\"hidden\" name=\"default_value\" value=\"12\">\n                            <input type=\"hidden\" name=\"min_value\" value=\"12\">\n                            <input type=\"hidden\" name=\"max_value\" value=\"84\">\n                            <input type=\"hidden\" name=\"current_repayment_freq\" value=\"\">\n                        <\/div>\n                        <div class=\"first-row-sub-child\" >\n                                                            <div class=\"first-row-main-child\">\n                                    <label for=\"loan_amt\" class=\"loan-text\">Payment Mode<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"8\"><\/i><span class=\"text-tooltip-disp\"><\/span><\/label>\n                                    <select name=\"payment_type\" id=\"payment_type\" class=\"payment-opt-drop\">\n                                        <option  value=\"In Advance\">In Advance<\/option>\n                                        <option  value=\"In Arrears\">In Arrears<\/option>\n                                    <\/select>\n                                <\/div>\n                                                       \n                        <\/div>\n                    <\/div>\n                    <div class=\"second-row\">\n                         <div class=\"second-row-sub-child\">\n                            <label for=\"loan_amt\" class=\"loan-text\">Interest Rate<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"8\"><\/i><span class=\"text-tooltip-disp\">The interest rate will default to the product you selected. You can also change the rate up or down to understand the effect on your repayments and total interest payable.<\/span><\/label>\n                            <div class=\"loan-text-dis\">\n                                <input type=\"text\" name=\"interest_rates\" id=\"interest_rates\" value=\"\" tabindex=\"9\"  \/>\n                                <span id=\"interest_rate_range_dis\" class=\"rate_disp\"><\/span>\n                            <\/div>\n                            <input type=\"range\" min=\"1.05\" max=\"100\" value=\"4.5\" class=\"slider\" id=\"interest_rate_range\" tabindex=\"10\" step=\"0.25\">\n                        <\/div>\n                                                    <div class=\"second-row-sub-child\">\n\n                                <div class=\"loan-text-dis\">\n                                    <input type=\"hidden\" name=\"ballon_amounts\" id=\"ballon_amounts\" value=\"\" tabindex=\"11\" onkeydown=\"return onlyNos(event,'ballon_amounts')\" \/>\n\n                                    <input type=\"hidden\" name=\"ballon_amounts_per\" id=\"ballon_amounts_per\" value=\"0\" tabindex=\"12\" \/>\n                                <\/div>\n                                <input type=\"hidden\" id=\"ballon_amount_range\" tabindex=\"13\" step=\"1\" value=\"0\">\n                            <\/div>\n                                            <\/div>\n                    <div class=\"site-wraps-row-downpayment-extrapayment-row\">\n                        \n                                            <\/div>\n                <\/div>\n            <\/div>\n                        <div class=\"loan-detail-section\">\n                <div class=\"loan-detail-section-child\">\n                    <div class=\"sub-main-tab\">\n                        <div class=\"ww-loan-container\">\n                            <div class=\"tabs\">\n\n                                                                \n                                <input type=\"radio\" name=\"tabs\" id=\"tab1\" checked>\n                                <label for=\"tab1\" style=\"display: block;\">\n                                                                            <span>Repayment Chart<\/span>\n                                                                    <\/label>\n                                <input type=\"radio\" name=\"tabs\" id=\"tab3\" >\n                                <label for=\"tab3\" style=\"display: block;\">\n                                                                            <span class=\"\">Loan Amortisation Table<\/span>\n                                                                    <\/label>\n                                <input type=\"radio\" name=\"tabs\" id=\"tab2\" >\n                                <label for=\"tab2\" style=\"display: none;\">\n                                                                            <span>Video<\/span>\n                                                                    <\/label>\n                                                                <div id=\"tab-content1\" class=\"tab-content\">\n                                    <canvas id=\"loan-process-graph\" width=\"650\" height=\"320\"><\/canvas>\n                                                                            <div id=\"chart-note\" class=\"chart-note\"><p>**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.<\/p><\/div>\n                                <\/div>\n                                <div id=\"tab-content2\" class=\"tab-content\">\n                                                                            <iframe loading=\"lazy\" width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/VhvlcwYUyIg?si=XQyDoLGla6aoue1v\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n                                                                    <\/div>                               \n                                <div id=\"tab-content3\" class=\"tab-content\">\n                                    <table id=\"loan-process-tbl\">\n                                        <thead>\n                                            <tr>\n                                                <th>Period<\/th>\n                                                <th>Payment<\/th>\n                                                                                                <th>Interest<\/th>\n                                                <th>Balance<\/th>\n                                            <\/tr>\n                                        <\/thead>\n                                        <tbody id=\"loan_table_data\">\n                                        <\/tbody>\n                                    <\/table>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                <div class=\"loan-detail-section-child\" >\n                    <div class=\"summary-calculation-and-chart-wrappar\">\n                    <div class=\"loan-detail-cal-desc\">\n                        <div class=\"loan-cal-desc\">\n                            <div class=\"loan-cal-desc-heading main-heading\">\n                                <label id=\"regular_repayment_heading\"><strong>Monthly Payment (incl fees)<\/strong><\/label>\n\n                        <\/div>\n                        <div class=\"loan-cal-desc-val\">\n                            <label><span><small>&#036;<\/small><span id=\"per_month_amount\"><\/span><\/span> <strong id=\"loan_amount_term_label\"><\/strong><span id=\"loan_amount_year\"><\/span><\/label>\n                        <\/div>\n                    <\/div>\n                                            <div class=\"loan-cal-desc\">\n                            <div class=\"loan-cal-desc-heading\">\n                                <label><strong>Total interest payable<\/strong><\/label>\n                            <\/div>\n                            <div class=\"loan-cal-desc-val\">\n                                <label><small>&#036;<\/small><span id=\"total_interests_amt\"><\/span> over <span id=\"total_interests_years\"><\/span> <\/label>\n                            <\/div>\n\n                        <\/div>\n                                        <span id=\"total_interests_amt_hidden\"><\/span>\n                    <div class=\"loan-cal-desc\" id=\"ballon_amt_section\">\n                        <div class=\"loan-cal-desc-heading\">\n                            <label><strong>Balloon amount (<span id=\"bill_ballon_per\">0.00<\/span>%)<\/strong><\/label>\n                        <\/div>\n                        <div class=\"loan-cal-desc-val\">\n                            <label><small>&#036;<\/small><strong><span id=\"bill_ballon_amt\">0.00<\/span><\/strong><\/label>\n                        <\/div>\n\n                    <\/div>\n\n                    \n                    \n            <\/div>\n            \n                    <\/div>\n                                        <div class=\"loan-detail-fee-desc\">\n                    <div class=\"loan-detail-fee-block\">\n                        <h5>Sub application fee<\/h5>\n                        <p><small>&#036;<\/small>100<\/p>\n                    <\/div>\n                    <div class=\"loan-detail-fee-block\">\n                        <h5>Monthly fee<\/h5>\n                        <p><small>&#036;<\/small>10<\/p>\n                    <\/div>\n                    <div class=\"loan-detail-fee-block\">\n                        <h5>Additional &quot;fuck you&quot; fee<\/h5>\n                        <p><small>&#036;<\/small><span id=\"total_regular_fee_amt\">1440<\/span><\/p>\n                    <\/div>\n                    <div class=\"loan-detail-fee-block\">\n                        <h5>Total fees<\/h5>\n                        <p><small>&#036;<\/small><span id=\"total_fee_amt\">1540<\/span><\/p>\n                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n<div class=\"contact-us-popup\" style=\"display:none;\">\n    <div class=\"contact-us-popup-body\">\n        <a href=\"javascript:void(0);\" class=\"close-button\" onclick=\"jQuery('.contact-us-popup').hide();jQuery('body').removeClass('body-overflow-hidden');\">X<\/a>\n            <\/div>\n<\/div>\n\n\n<\/section>\n<\/div><\/code><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Z\u00e1klady zml\u00fav o dlhu Findom<\/h2>\n\n\n\n<p>Pri h\u013eadan\u00ed spr\u00e1vneho vz\u0165ahu Dom\/sub je finan\u010dn\u00e1 dominancia \u010dasto jedn\u00fdm z aspektov h\u013eadania. To n\u00e1s priv\u00e1dza k t\u00e9me zml\u00fav o n\u00e1jden\u00ed dlhu - sp\u00f4sobu, ako si dvaja jednotlivci m\u00f4\u017eu stanovi\u0165 dohodu a o\u010dak\u00e1vania t\u00fdkaj\u00face sa v\u00fdmeny pe\u0148az\u00ed.<\/p>\n\n\n\n<p>Zmluvy o dlhu Findom s\u00fa vytvoren\u00e9 \u0161peci\u00e1lne medzi submis\u00edvnym a dominantn\u00fdm partnerom bez \u00fa\u010dasti tret\u00edch str\u00e1n alebo pr\u00e1vnych poradcov. V zmluve s\u00fa uveden\u00e9 v\u0161etky aspekty toho, \u010do sa o\u010dak\u00e1va od oboch \u00fa\u010dastn\u00edkov po\u010das ich spolo\u010dn\u00e9ho \u010dasu, a v\u0161etky \u010fal\u0161ie podrobnosti t\u00fdkaj\u00face sa podmienok, ktor\u00e9 mus\u00ed ka\u017ed\u00e1 strana dodr\u017eiava\u0165.<\/p>\n\n\n\n<p>V\u00e4\u010d\u0161ina zml\u00fav o dlhu Findom m\u00e1 tri hlavn\u00e9 zlo\u017eky: spl\u00e1tkov\u00fd kalend\u00e1r, pl\u00e1n spl\u00e1cania \u00faveru a r\u00f4zne dolo\u017eky. V\u0161etky tieto prvky by mali by\u0165 pred podpisom zmluvy prerokovan\u00e9, aby sa obe strany c\u00edtili pohodlne pri pokra\u010dovan\u00ed dohody po jej ukon\u010den\u00ed.<\/p>\n\n\n\n<p>V \u010dasti t\u00fdkaj\u00facej sa spl\u00e1tkov\u00e9ho kalend\u00e1ra sa uv\u00e1dza, kedy s\u00fa spl\u00e1tky splatn\u00e9, ak\u00fa sumu je potrebn\u00e9 zaplati\u0165 ka\u017ed\u00fd mesiac alebo v konkr\u00e9tnych intervaloch uveden\u00fdch vopred (t\u00fd\u017edenne, dvojt\u00fd\u017edenne at\u010f.), ako dlho bud\u00fa ceny pokra\u010dova\u0165, k\u00fdm nedosiahnu celkov\u00fa spl\u00e1tku, a \u010di sa k nim bud\u00fa uplat\u0148ova\u0165 \u00faroky; z\u00e1rove\u0148 sa v nej diskutuje o mo\u017en\u00fdch d\u00f4sledkoch v pr\u00edpade, \u017ee sa platby neuskuto\u010dnia (poplatky za ome\u0161kanie alebo pozastavenie). T\u00fdm sa vytv\u00e1ra d\u00f4vera medzi oboma partnermi, preto\u017ee ka\u017ed\u00fd vie, na \u010dom je finan\u010dne pri takomto type dohody, \u010do m\u00f4\u017ee spr\u00edjemni\u0165 v\u0161etky druhy aktiv\u00edt, napr\u00edklad telefonovanie, bez toho, aby sa jedna strana c\u00edtila n\u00faten\u00e1 do nie\u010doho proti svojej v\u00f4li kv\u00f4li nedostatku finan\u010dn\u00fdch prostriedkov.<\/p>\n\n\n\n<p>Pl\u00e1n spl\u00e1cania \u00faveru sa zameriava na stanovenie primeranej v\u00fd\u0161ky mesa\u010dn\u00fdch spl\u00e1tok a vysvetlenie, pre\u010do bolo zvolen\u00e9 pr\u00e1ve toto \u010d\u00edslo a nie in\u00e9, pri\u010dom obom z\u00fa\u010dastnen\u00fdm osob\u00e1m sa poskytne dostatok \u010dasu, aby sa nikto nec\u00edtil pr\u00edli\u0161 vystresovan\u00fd z plnenia svojich z\u00e1v\u00e4zkov, ale z\u00e1rove\u0148 sa zabezpe\u010d\u00ed, \u017ee sa v primeran\u00fdch lehot\u00e1ch vyber\u00fa spravodliv\u00e9 sumy, aby sa nikto nec\u00edtil zneu\u017eit\u00fd. T\u00e1to \u010das\u0165 m\u00f4\u017ee obsahova\u0165 aj podrobnosti, ako napr\u00edklad kto zaplat\u00ed ako prv\u00fd, ak sa vyskytne viacero dlhov s\u00fa\u010dasne, alebo \u010do sa stane, ak sa niekto rozhodne nedodr\u017ea\u0165 dohodu po \u00fastnej dohode o zlo\u017een\u00ed v\u00fdznamnej\u0161\u00edch s\u00fam v bud\u00facnosti at\u010f.<\/p>\n\n\n\n<p>Napokon, r\u00f4zne dolo\u017eky umo\u017e\u0148uj\u00fa \u013eu\u010fom, ktor\u00ed sa zaoberaj\u00fa touto formou dynamiky dominancie a submisie, aby sa uistili, \u017ee v\u0161etko s\u00favisiace je pokryt\u00e9 e\u0161te pred za\u010dat\u00edm - poskytuj\u00fa usmernenia, ktor\u00e9 pokr\u00fdvaj\u00fa t\u00e9my, ako s\u00fa politiky ukon\u010denia, ochrana zodpovednosti v pr\u00edpade, \u017ee sa po\u010das v\u00fdmeny nie\u010do pokaz\u00ed, alebo ak\u00e9ko\u013evek in\u00e9 nepredv\u00eddan\u00e9 udalosti, ktor\u00e9 sa vyskytn\u00fa po\u010das interakcie, bez toho, aby bolo potrebn\u00e9 zapoji\u0165 extern\u00e9 zdroje, ak to nie je nevyhnutn\u00e9.<\/p>","protected":false},"excerpt":{"rendered":"<p>Ahoj, kamar\u00e1t nad\u0161enec pre findom! Tak\u017ee si u\u017e nejak\u00fd \u010das v hre a chce\u0161 svoju kari\u00e9ru finan\u010dnej nadvl\u00e1dy posun\u00fa\u0165 na vy\u0161\u0161iu \u00farove\u0148? Nu\u017e, skvel\u00e1 spr\u00e1va: som tu, aby som v\u00e1m pomohol. V kr\u00e1tkom \u010dase sa dozvie\u0161 v\u0161etko, \u010do potrebuje\u0161 vedie\u0165 o tom, ako funguj\u00fa kalkula\u010dky dl\u017eobn\u00fdch zml\u00fav Findom. Navy\u0161e sa s vami podel\u00edm o ... <\/p>\n<p class=\"read-more-container\"><a title=\"Kalkula\u010dka zmluvy o dlhu Findom + graf platieb na vytla\u010denie pre v\u00e1\u0161ho subdod\u00e1vate\u013ea\" class=\"read-more button\" href=\"https:\/\/subtomy.com\/sk\/kalkulacka-zmluvy-o-dlhu-findom\/#more-1259\" aria-label=\"Pre\u010d\u00edtajte si viac o Findom Debt Contract Calculator + Printable Payment Chart for Your Sub\">Read more<\/a><\/p>","protected":false},"author":1,"featured_media":1349,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[76],"tags":[121,120,119,50],"class_list":["post-1259","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-findom","tag-calculator","tag-contract","tag-debt","tag-findom","infinite-scroll-item","no-featured-image-padding"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/subtomy.com\/sk\/wp-json\/wp\/v2\/posts\/1259","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/subtomy.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/subtomy.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/subtomy.com\/sk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/subtomy.com\/sk\/wp-json\/wp\/v2\/comments?post=1259"}],"version-history":[{"count":7,"href":"https:\/\/subtomy.com\/sk\/wp-json\/wp\/v2\/posts\/1259\/revisions"}],"predecessor-version":[{"id":1465,"href":"https:\/\/subtomy.com\/sk\/wp-json\/wp\/v2\/posts\/1259\/revisions\/1465"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/subtomy.com\/sk\/wp-json\/wp\/v2\/media\/1349"}],"wp:attachment":[{"href":"https:\/\/subtomy.com\/sk\/wp-json\/wp\/v2\/media?parent=1259"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/subtomy.com\/sk\/wp-json\/wp\/v2\/categories?post=1259"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/subtomy.com\/sk\/wp-json\/wp\/v2\/tags?post=1259"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}