{"id":1428,"date":"2023-08-07T13:00:04","date_gmt":"2023-08-07T11:00:04","guid":{"rendered":"https:\/\/regbu.com\/?p=1428"},"modified":"2025-09-05T07:40:17","modified_gmt":"2025-09-05T05:40:17","slug":"urokove-sazby-ktere-musite-znat","status":"publish","type":"post","link":"https:\/\/regbu.com\/en\/interest-rates-you-need-to-know\/","title":{"rendered":"Interest rates you need to know"},"content":{"rendered":"<p>Interest rates are a concept closely related to\u00a0<strong><a href=\"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/\">by refinancing<\/a><\/strong>, loans and credits of any type. A numerical value telling how much money you end up overpaying. When you borrow money, you pay interest on top of the principal. This is a form of remuneration to the lender. Interest is associated with many financial products.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loans<\/li>\n\n\n\n<li>Mortgages<\/li>\n\n\n\n<li>Savings<\/li>\n<\/ul>\n\n\n\n<p>The individual interest rates are given in percentages. These are usually <strong>percentage of the principal<\/strong>. In many cases, you will then come across interest abbreviations. Such terms can take different forms and always mean something different in the end.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Interest rate designation<\/h2>\n\n\n\n<p>When you read the terms and conditions of any loan, don't just look at the number itself. The information behind the percentage is also important. If you want to know the abbreviations of each interest rate, read the table below.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Shortcut<\/strong><\/td><td><strong>Information<\/strong><\/td><\/tr><tr><td>p.a.<\/td><td>Annual interest<\/td><\/tr><tr><td>p.s.<\/td><td>Semi-annual interest rate<\/td><\/tr><tr><td>p.q.<\/td><td>Quarterly interest<\/td><\/tr><tr><td>p.m.<\/td><td>Monthly interest rate<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Interest rate labels and their meaning.<\/figcaption><\/figure>\n\n\n\n<p>Of course, the abbreviation p.d., which presents the phrase per diem, is no exception. As probably all readers of this article correctly guess, <em>this is the daily interest rate<\/em>. Before signing a loan agreement, make sure you calculate the interest rate correctly, as the differences can be significant.<\/p>\n\n\n\n<p>At an interest rate of 3 % p.a. you will actually only overpay 3 % per year. However, if the contract specifies an interest rate of 3 % p.a., this means that it is a semi-annual interest rate. So you will overpay 6 % per year.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Which interest rate is most important?<\/h3>\n\n\n\n<p>To make it not too easy, you can come across several types of interest rates. However, the classic interest rate should not be your starting point. Put the primary focus on the interest that hides all the associated payments and you can see where you stand at a glance. The annual percentage rate of charge is exactly that. <strong>abbreviated as APR<\/strong>. The value itself represents the combination of interest, but also other fees per year. These are usually account maintenance fees, etc. Learn to read interest rates and avoid future inconveniences.<\/p>","protected":false},"excerpt":{"rendered":"<p>Interest rates are a concept closely related to refinancing, loans and credit of any type. A numerical value that tells you how much money you end up overpaying. When you borrow money, you are paying interest on top of the principal. This is a form of remuneration to the lender. Interest is associated with many financial products. Individual interest rates are given ... <\/p>","protected":false},"author":2,"featured_media":1429,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[626,1750,1752,1751,618,1728,1747,1748,613,1727,1749,1746],"class_list":["post-1428","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-hypoteky","tag-p-a","tag-p-d","tag-p-m","tag-pujcky","tag-rpsn","tag-sazba","tag-sazby","tag-sporeni","tag-urok","tag-urokova-sazba","tag-urokove-sazby"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00darokov\u00e9 sazby, kter\u00e9 mus\u00edte zn\u00e1t - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Poznejte \u00farokov\u00e9 sazby do detailu. Jejich ozna\u010dov\u00e1n\u00ed m\u00e1 toti\u017e poka\u017ed\u00e9 trochu jin\u00fd v\u00fdznam prom\u00edtaj\u00edc\u00ed se do celkov\u00fdch n\u00e1klad\u016f.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/regbu.com\/en\/interest-rates-you-need-to-know\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00darokov\u00e9 sazby, kter\u00e9 mus\u00edte zn\u00e1t - REGBU.COM\" \/>\n<meta property=\"og:description\" content=\"Poznejte \u00farokov\u00e9 sazby do detailu. Jejich ozna\u010dov\u00e1n\u00ed m\u00e1 toti\u017e poka\u017ed\u00e9 trochu jin\u00fd v\u00fdznam prom\u00edtaj\u00edc\u00ed se do celkov\u00fdch n\u00e1klad\u016f.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/regbu.com\/en\/interest-rates-you-need-to-know\/\" \/>\n<meta property=\"og:site_name\" content=\"REGBU.COM\" \/>\n<meta property=\"article:published_time\" content=\"2023-08-07T11:00:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-05T05:40:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/urokove-sazby-ktere-musite-znat.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"676\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"George Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"George Martin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/interest-rates-you-need-to-know\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/interest-rates-you-need-to-know\\\/\"},\"author\":{\"name\":\"George Martin\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#\\\/schema\\\/person\\\/94ea9deda2629771b8a9ced002f6784e\"},\"headline\":\"\u00darokov\u00e9 sazby, kter\u00e9 mus\u00edte zn\u00e1t\",\"datePublished\":\"2023-08-07T11:00:04+00:00\",\"dateModified\":\"2025-09-05T05:40:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/interest-rates-you-need-to-know\\\/\"},\"wordCount\":446,\"image\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/interest-rates-you-need-to-know\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/urokove-sazby-ktere-musite-znat.jpg\",\"keywords\":[\"hypot\u00e9ky\",\"p.a.\",\"p.d.\",\"p.m.\",\"p\u016fj\u010dky\",\"rpsn\",\"sazba\",\"sazby\",\"spo\u0159en\u00ed\",\"\u00farok\",\"\u00farokov\u00e1 sazba\",\"\u00farokov\u00e9 sazby\"],\"articleSection\":[\"Finance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/interest-rates-you-need-to-know\\\/\",\"url\":\"https:\\\/\\\/regbu.com\\\/en\\\/interest-rates-you-need-to-know\\\/\",\"name\":\"\u00darokov\u00e9 sazby, kter\u00e9 mus\u00edte zn\u00e1t - REGBU.COM\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/interest-rates-you-need-to-know\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/interest-rates-you-need-to-know\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/urokove-sazby-ktere-musite-znat.jpg\",\"datePublished\":\"2023-08-07T11:00:04+00:00\",\"dateModified\":\"2025-09-05T05:40:17+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#\\\/schema\\\/person\\\/94ea9deda2629771b8a9ced002f6784e\"},\"description\":\"Poznejte \u00farokov\u00e9 sazby do detailu. Jejich ozna\u010dov\u00e1n\u00ed m\u00e1 toti\u017e poka\u017ed\u00e9 trochu jin\u00fd v\u00fdznam prom\u00edtaj\u00edc\u00ed se do celkov\u00fdch n\u00e1klad\u016f.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/interest-rates-you-need-to-know\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/regbu.com\\\/en\\\/interest-rates-you-need-to-know\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/interest-rates-you-need-to-know\\\/#primaryimage\",\"url\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/urokove-sazby-ktere-musite-znat.jpg\",\"contentUrl\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/urokove-sazby-ktere-musite-znat.jpg\",\"width\":1200,\"height\":676,\"caption\":\"\u00darokov\u00e9 sazby, kter\u00e9 mus\u00edte zn\u00e1t\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/interest-rates-you-need-to-know\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/regbu.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u00darokov\u00e9 sazby, kter\u00e9 mus\u00edte zn\u00e1t\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/regbu.com\\\/en\\\/\",\"name\":\"REGBU.COM\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/regbu.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#\\\/schema\\\/person\\\/94ea9deda2629771b8a9ced002f6784e\",\"name\":\"George Martin\",\"url\":\"https:\\\/\\\/regbu.com\\\/en\\\/author\\\/george-martin\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Interest rates you need to know - REGBU.COM","description":"Get to know interest rates in detail. Their labelling has a slightly different meaning each time, which is reflected in the total cost.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/regbu.com\/en\/interest-rates-you-need-to-know\/","og_locale":"en_US","og_type":"article","og_title":"\u00darokov\u00e9 sazby, kter\u00e9 mus\u00edte zn\u00e1t - REGBU.COM","og_description":"Poznejte \u00farokov\u00e9 sazby do detailu. Jejich ozna\u010dov\u00e1n\u00ed m\u00e1 toti\u017e poka\u017ed\u00e9 trochu jin\u00fd v\u00fdznam prom\u00edtaj\u00edc\u00ed se do celkov\u00fdch n\u00e1klad\u016f.","og_url":"https:\/\/regbu.com\/en\/interest-rates-you-need-to-know\/","og_site_name":"REGBU.COM","article_published_time":"2023-08-07T11:00:04+00:00","article_modified_time":"2025-09-05T05:40:17+00:00","og_image":[{"width":1200,"height":676,"url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/urokove-sazby-ktere-musite-znat.jpg","type":"image\/jpeg"}],"author":"George Martin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"George Martin","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/regbu.com\/en\/interest-rates-you-need-to-know\/#article","isPartOf":{"@id":"https:\/\/regbu.com\/en\/interest-rates-you-need-to-know\/"},"author":{"name":"George Martin","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"headline":"\u00darokov\u00e9 sazby, kter\u00e9 mus\u00edte zn\u00e1t","datePublished":"2023-08-07T11:00:04+00:00","dateModified":"2025-09-05T05:40:17+00:00","mainEntityOfPage":{"@id":"https:\/\/regbu.com\/en\/interest-rates-you-need-to-know\/"},"wordCount":446,"image":{"@id":"https:\/\/regbu.com\/en\/interest-rates-you-need-to-know\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/urokove-sazby-ktere-musite-znat.jpg","keywords":["hypot\u00e9ky","p.a.","p.d.","p.m.","p\u016fj\u010dky","rpsn","sazba","sazby","spo\u0159en\u00ed","\u00farok","\u00farokov\u00e1 sazba","\u00farokov\u00e9 sazby"],"articleSection":["Finance"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/regbu.com\/en\/interest-rates-you-need-to-know\/","url":"https:\/\/regbu.com\/en\/interest-rates-you-need-to-know\/","name":"Interest rates you need to know - REGBU.COM","isPartOf":{"@id":"https:\/\/regbu.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/regbu.com\/en\/interest-rates-you-need-to-know\/#primaryimage"},"image":{"@id":"https:\/\/regbu.com\/en\/interest-rates-you-need-to-know\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/urokove-sazby-ktere-musite-znat.jpg","datePublished":"2023-08-07T11:00:04+00:00","dateModified":"2025-09-05T05:40:17+00:00","author":{"@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"description":"Get to know interest rates in detail. Their labelling has a slightly different meaning each time, which is reflected in the total cost.","breadcrumb":{"@id":"https:\/\/regbu.com\/en\/interest-rates-you-need-to-know\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/regbu.com\/en\/interest-rates-you-need-to-know\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/regbu.com\/en\/interest-rates-you-need-to-know\/#primaryimage","url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/urokove-sazby-ktere-musite-znat.jpg","contentUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/urokove-sazby-ktere-musite-znat.jpg","width":1200,"height":676,"caption":"\u00darokov\u00e9 sazby, kter\u00e9 mus\u00edte zn\u00e1t"},{"@type":"BreadcrumbList","@id":"https:\/\/regbu.com\/en\/interest-rates-you-need-to-know\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/regbu.com\/en\/"},{"@type":"ListItem","position":2,"name":"\u00darokov\u00e9 sazby, kter\u00e9 mus\u00edte zn\u00e1t"}]},{"@type":"WebSite","@id":"https:\/\/regbu.com\/en\/#website","url":"https:\/\/regbu.com\/en\/","name":"REGBU.COM","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/regbu.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e","name":"George Martin","url":"https:\/\/regbu.com\/en\/author\/george-martin\/"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/posts\/1428","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/comments?post=1428"}],"version-history":[{"count":2,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/posts\/1428\/revisions"}],"predecessor-version":[{"id":1444,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/posts\/1428\/revisions\/1444"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/media\/1429"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/media?parent=1428"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/categories?post=1428"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/tags?post=1428"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}