{"id":19120,"date":"2014-12-31T07:31:24","date_gmt":"2014-12-31T06:31:24","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=19120"},"modified":"2014-12-31T07:38:07","modified_gmt":"2014-12-31T06:38:07","slug":"vanocni-pujcky-kvuli-svatkum-se-lide-zadluzi-i-na-nekolik-let","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=19120","title":{"rendered":"Kv\u016fli sv\u00e1tk\u016fm se lid\u00e9 zadlu\u017e\u00ed i na n\u011bkolik let"},"content":{"rendered":"<p><strong>Lid\u00e9 v \u010cesku si p\u0159ed leto\u0161n\u00edmi V\u00e1nocemi vzali v\u00edc p\u016fj\u010dek ne\u017e loni, vypl\u00fdv\u00e1 to z nejnov\u011bj\u0161\u00edch dat \u00fav\u011brov\u00fdch spole\u010dnost\u00ed. Podle odborn\u00edk\u016f si v\u00a0p\u0159edv\u00e1no\u010dn\u00edm obdob\u00ed p\u016fj\u010duje ka\u017ed\u00fd \u0161est\u00fd \u010cech. <\/strong><!--more--><\/p>\n<p><em>ilustra\u010dn\u00ed foto: Cohdra \/ MorgueFile<\/em><\/p>\n<p><strong>Lid\u00e9, kte\u0159\u00ed v\u00e1no\u010dn\u00ed n\u00e1kupy financuj\u00ed prost\u0159ednictv\u00edm p\u016fj\u010dky, se nej\u010dast\u011bji zadlu\u017euj\u00ed \u010d\u00e1stkou do 30 tis\u00edc korun. Pr\u00e1v\u011b p\u0159edv\u00e1no\u010dn\u00ed p\u016fj\u010dky jsou modelov\u00fdmi situacemi, jak se zadlu\u017eit dlouhodob\u011b. <\/strong>\u201e<strong>V p\u0159edv\u00e1no\u010dn\u00edm obdob\u00ed jsou lid\u00e9 logicky pod v\u011bt\u0161\u00edm tlakem na nutnost z\u00edsk\u00e1v\u00e1n\u00ed financ\u00ed. Z\u00e1rove\u0148 se sni\u017euje jejich schopnost vyhodnotit rizikovost p\u016fj\u010dky a neuv\u00e1\u017een\u011b podepisuj\u00ed nev\u00fdhodn\u00e9 smlouvy. <\/strong>Na v\u00e1no\u010dn\u00ed d\u00e1rky si p\u016fj\u010duj\u00ed lid\u00e9 nap\u0159\u00ed\u010d v\u011bkov\u00fdm spektrem, jedn\u00e1 se v\u011bt\u0161inou o lidi finan\u010dn\u011b m\u00e9n\u011b gramotn\u00e9. <strong>P\u016fj\u010dky na v\u00e1no\u010dn\u00ed n\u00e1kupy jsou jedn\u00edm z p\u0159\u00edklad\u016f zah\u00e1jen\u00ed \u0159et\u011bzce tvorby dluh\u016f, kter\u00fd kon\u010d\u00ed v\u00a0oddlu\u017een\u00ed. P\u016fj\u010den\u00e9 pen\u00edze pak spl\u00e1cej\u00ed \u0159\u00e1du let<\/strong>,\u201c popsal Jan Mal\u00fd, ohl\u00e1\u0161en\u00fd spole\u010dn\u00edk spole\u010dnosti VPI CZ, v.o.s.<\/p>\n<p><strong>A\u017e 65 procent lid\u00ed by si vet\u0161\u00ed sumu p\u016fj\u010dilo od rodiny nebo p\u0159\u00e1tel, jde zejm\u00e9na o mlad\u00e9. N\u00e1vratnost t\u011bchto p\u016fj\u010dek je ale velmi rizikov\u00e1, lidem se jednodu\u0161e p\u0159\u00edbuzn\u00fdm nechce spl\u00e1cet.<\/strong> <strong>\u201eKa\u017ed\u00e1 \u010dtvrt\u00e1 problematick\u00e1 pohled\u00e1vka, se kterou se na n\u00e1s lid\u00e9 obracej\u00ed, je nespl\u00e1cen\u00e1 p\u016fj\u010dka bl\u00edzk\u00e9mu \u010dlov\u011bku, a\u0165 u\u017e v rodin\u011b anebo kamar\u00e1dovi. <\/strong>V\u00fd\u0161e p\u016fj\u010dek, kter\u00e9 \u0159e\u0161\u00edme, se pohybuje od t\u0159\u00ed tis\u00edc do 1,3 milionu korun, v pr\u016fm\u011bru \u010din\u00ed jeden dluh 110 tis\u00edc korun. T\u00e9m\u011b\u0159 40 procent pohled\u00e1vek poch\u00e1z\u00ed z Prahy,\u201c potvrdil Tom\u00e1\u0161 Med\u0159ick\u00fd z port\u00e1lu ePohled\u00e1vky.cz.<\/p>\n<p>Pr\u016fm\u011brn\u011b si \u010ce\u0161i na V\u00e1noce p\u016fj\u010duj\u00ed 7300 korun. A pr\u00e1v\u011b ni\u017e\u0161\u00ed \u010d\u00e1stky \u0159e\u0161\u00ed zpravidla p\u016fj\u010dkou u nebankovn\u00ed instituce. <strong>N\u011bkter\u00e9 nebankovn\u00ed spole\u010dnosti b\u011bhem posledn\u00edho kvart\u00e1lu dos\u00e1hnou a\u017e 75 procent ro\u010dn\u00edho objemu poskytnut\u00fdch p\u016fj\u010dek. P\u0159ed t\u011bmito institucemi ale odborn\u00edci d\u016frazn\u011b varuj\u00ed. <\/strong>\u201ePreferoval bych v\u017edy p\u016fj\u010dku u velk\u00fdch bankovn\u00edch \u00fastav\u016f p\u0159ed p\u016fj\u010dkou u men\u0161\u00edch firem zab\u00fdvaj\u00edc\u00edch se poskytov\u00e1n\u00edm spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f. Negativn\u00ed n\u00e1sledky p\u016fj\u010dky mohou b\u00fdt stejn\u00e9, a\u0165 u\u017e jde o p\u016fj\u010dku nebo \u00fav\u011br. <strong>V\u017edy je nutn\u00e9 kontrolovat v\u00fd\u0161i odm\u011bny za poskytnut\u00fd \u00fav\u011br, v\u00fd\u0161i smluvn\u00edch pokut, celkov\u011b pak polo\u017eku ro\u010dn\u00ed procentn\u00ed sazby n\u00e1klad\u016f \u2013 RPSN. Polo\u017eka RPSN p\u0159esahuj\u00edc\u00ed 40 a\u017e 50 procent by ji\u017e m\u011bla b\u00fdt alarmuj\u00edc\u00ed. T\u0159etina \u010cech\u016f ale nev\u00ed, co si pod zkratkou p\u0159edstavit, nerozum\u00ed jej\u00edmu v\u00fdznamu, a proto jej\u00ed v\u00fd\u0161i nev\u011bnuje dostate\u010dnou pozornost<\/strong>,\u201c upozornil Jan Mal\u00fd.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0O ve\u0159ejn\u00e9 obchodn\u00ed spole\u010dnosti VPI CZ, v.o.s. (V\u0160E PRO INSOLVENCI), www.vpi.hjf.cz<\/strong><\/p>\n<p>Ve\u0159ejn\u00e1 obchodn\u00ed spole\u010dnost VPI CZ (V\u0161e pro insolvenci) byla zalo\u017eena jako spojen\u00ed dce\u0159in\u00e9 spole\u010dnosti advok\u00e1tn\u00ed kancel\u00e1\u0159e Hartmann, Jel\u00ednek, Fr\u00e1\u0148a a partne\u0159i a advok\u00e1tn\u00ed kancel\u00e1\u0159e Mgr. Ivan Bramba\u0161ki (spole\u010dnosti zalo\u017een\u00e9 t\u00edmto advok\u00e1tem) po\u010d\u00e1tkem roku 2014.<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Lid\u00e9 v \u010cesku si p\u0159ed leto\u0161n\u00edmi V\u00e1nocemi vzali v\u00edc p\u016fj\u010dek ne\u017e loni, vypl\u00fdv\u00e1 to z nejnov\u011bj\u0161\u00edch dat \u00fav\u011brov\u00fdch spole\u010dnost\u00ed. Podle odborn\u00edk\u016f si v\u00a0p\u0159edv\u00e1no\u010dn\u00edm obdob\u00ed p\u016fj\u010duje <a class=\"mh-excerpt-more\" href=\"https:\/\/www.invarena.cz\/?p=19120\" title=\"Kv\u016fli sv\u00e1tk\u016fm se lid\u00e9 zadlu\u017e\u00ed i na n\u011bkolik let\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":14576,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-19120","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/19120","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=19120"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/19120\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/media\/14576"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=19120"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=19120"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=19120"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}