{"id":22132,"date":"2015-07-15T09:50:32","date_gmt":"2015-07-15T07:50:32","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=22132"},"modified":"2015-07-15T09:50:43","modified_gmt":"2015-07-15T07:50:43","slug":"bez-financni-rezervy-zije-petina-cechu-sporit-zacinaji-az-po-padesatce","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=22132","title":{"rendered":"Bez finan\u010dn\u00ed rezervy \u017eije p\u011btina \u010cech\u016f. Spo\u0159it za\u010d\u00ednaj\u00ed a\u017e po pades\u00e1tce"},"content":{"rendered":"

Po\u010det lid\u00ed, kte\u0159\u00ed \u017eij\u00ed bez finan\u010dn\u00ed rezervy, v \u010cesku st\u00e1le stoup\u00e1, podle odborn\u00edk\u016f je to a\u017e p\u011btina lid\u00ed. Nav\u00edc se trendem st\u00e1v\u00e1 \u201e\u017eivot na dluh\u201c. Ten pova\u017euje za norm\u00e1ln\u00ed 60 procent \u010cech\u016f.<\/strong><\/p>\n

ilustra\u010dn\u00ed foto: Geert MorgueFile<\/p>\n

P\u016fj\u010dku m\u00e1 zhruba ka\u017ed\u00fd druh\u00fd \u010cech, spl\u00e1tky neplat\u00ed ka\u017ed\u00fd osm\u00fd. Jeden z deseti \u010cech\u016f si p\u016fj\u010duje na spl\u00e1cen\u00ed sv\u00fdch dluh\u016f z minulosti. \u201ePokud se lid\u00e9 rozhodnou vz\u00edt si p\u016fj\u010dku, d\u011blaj\u00ed hned n\u011bkolik z\u00e1sadn\u00edch chyb \u2013 neporovn\u00e1vaj\u00ed nab\u00eddky, nev\u011bnuj\u00ed pozornost \u00farokov\u00e9 sazb\u011b nebo nerozum\u00ed jednotliv\u00fdm pojm\u016fm. Pro v\u011bt\u0161inu lid\u00ed je d\u016fle\u017eit\u00e1 mo\u017enost okam\u017eit\u00e9ho p\u0159ijmu pen\u011bz s t\u00edm, \u017ee si mo\u017en\u00e9 d\u016fsledky takov\u00e9 p\u016fj\u010dky ani nep\u0159ipou\u0161t\u011bj\u00ed. Nav\u00edc p\u0159edev\u0161\u00edm spole\u010dnosti poskytuj\u00edc\u00ed spot\u0159ebitelsk\u00e9 \u00fav\u011bry \u010dasto zneu\u017e\u00edvaj\u00ed sv\u00e9ho nad\u0159azen\u00e9ho postaven\u00ed vyvolan\u00e9ho t\u00edm, \u017ee je to prvotn\u011b z\u00e1kazn\u00edk, kdo m\u00e1 z\u00e1jem uzav\u0159\u00edt smlouvu o \u00fav\u011bru,\u201c uvedl Jan Mal\u00fd, ohl\u00e1\u0161en\u00fd spole\u010dn\u00edk ve\u0159ejn\u00e9 obchodn\u00ed spole\u010dnosti V\u0161e pro insolvenci (VPI).<\/p>\n

V\u00a0p\u0159\u00edpad\u011b, \u017ee se \u010dlov\u011bk rozhodne o p\u016fj\u010dku za\u017e\u00e1dat, mus\u00ed b\u00fdt obez\u0159etn\u00fd od sam\u00e9ho za\u010d\u00e1tku. U\u017e sama \u017e\u00e1dost je toti\u017e \u010dasto koncipov\u00e1na p\u0159\u00edmo jako n\u00e1vrh smlouvy, kter\u00fd je pro \u017eadatele z\u00e1vazn\u00fd. V p\u0159\u00edpad\u011b, \u017ee finan\u010dn\u00ed instituce \u017e\u00e1dost potvrd\u00ed, smlouva o poskytnut\u00ed \u00fav\u011bru je t\u00edmto uzav\u0159ena. \u201eU smlouvy samotn\u00e9 je z\u00e1kladn\u00edm pravidlem smlouvu pozorn\u011b p\u0159e\u010d\u00edst, a to v\u010detn\u011b obchodn\u00edch podm\u00ednek. \u010clov\u011bk by se m\u011bl zaj\u00edmat o to, jestli je re\u00e1ln\u011b schopen plnit v\u0161echny povinnosti vypl\u00fdvaj\u00edc\u00ed ze smlouvy, zejm\u00e9na plnit spl\u00e1tky \u00fav\u011bru, kolik v kone\u010dn\u00e9m d\u016fsledku zaplat\u00ed, a m\u011bl by si podrobn\u011b prostudovat ustanoven\u00ed o smluvn\u00edch pokut\u00e1ch a jin\u00fdch sankc\u00edch,\u201c doporu\u010dil Ji\u0159\u00ed Hartmann z\u00a0advok\u00e1tn\u00ed kancel\u00e1\u0159e Hartmann, Jel\u00ednek, Fr\u00e1\u0148a a partne\u0159i.<\/p>\n

Nej\u010dast\u011bji si p\u016fj\u010duj\u00ed lid\u00e9 ve v\u011bku, kdy se za\u010d\u00ednaj\u00ed osamostat\u0148ovat. A\u017e 75 procent \u017eadatel\u016f o p\u016fj\u010dku je ve v\u011bkov\u00e9 hranici do 30 let. \u201eProbl\u00e9mem jsou pr\u00e1v\u011b mlad\u00ed dlu\u017en\u00edci, kte\u0159\u00ed si na sebe naberou v\u00edc p\u016fj\u010dek, ne\u017e jsou schopni spl\u00e1cet. B\u011b\u017en\u00e9 jsou p\u016fj\u010dky na bydlen\u00ed, vybaven\u00ed dom\u00e1cnosti, koupi nov\u00e9ho auta \u010di elektroniky. V\u00a0letn\u00edm obdob\u00ed stoup\u00e1 i po\u010det dovolen\u00fdch, kter\u00e9 lid\u00e9 neplat\u00ed z\u00a0vlastn\u00edch \u00faspor. T\u00e9m\u011b\u0159 dv\u011b procenta lid\u00ed se dost\u00e1vaj\u00ed do finan\u010dn\u00edch pot\u00ed\u017e\u00ed pr\u00e1v\u011b kv\u016fli spl\u00e1cen\u00ed p\u016fj\u010dky na dovolenou. V\u00fdjimkou nen\u00ed ani to, \u017ee p\u016fj\u010dka na dovolenou je n\u00e1sledn\u011b d\u016fvodem k\u00a0vyhl\u00e1\u0161en\u00ed osobn\u00edho bankrotu,\u201c varoval Jan Mal\u00fd.<\/p>\n

Finan\u010dn\u00ed rezervy si podle odborn\u00edk\u016f lid\u00e9 za\u010d\u00ednaj\u00ed vytv\u00e1\u0159et po 50. roce v\u011bku. Pokud u\u017e ale n\u011bjak\u00e9 prost\u0159edky maj\u00ed, neum\u011bj\u00ed sv\u00e9 pen\u00edze zhodnotit. \u201eObecn\u011b nejjist\u011bj\u0161\u00ed oblast\u00ed, do kter\u00e9 investovat, jsou nemovitosti. Investov\u00e1n\u00ed pen\u011bz, a\u0165 u\u017e do jak\u00e9hokoliv produktu, st\u00e1le nen\u00ed v \u017eivot\u011b \u010cech\u016f obecn\u011b roz\u0161\u00ed\u0159en\u00fdm prvkem. Schopnost efektivn\u011b hospoda\u0159it se sv\u00fdmi financemi je u \u010desk\u00e9 populace v\u00a0porovn\u00e1n\u00ed s\u00a0ostatn\u00edmi vysp\u011bl\u00fdmi evropsk\u00fdmi st\u00e1ty velmi n\u00edzk\u00e1. Nap\u0159\u00edklad investov\u00e1n\u00ed do akci\u00ed nebo pod\u00edlov\u00fdch fond\u016f st\u00e1le velk\u00e9mu mno\u017estv\u00ed \u010cech\u016f v\u016fbec nic ne\u0159\u00edk\u00e1,\u201c uvedl Jan Mal\u00fd. <\/p>\n","protected":false},"excerpt":{"rendered":"

Po\u010det lid\u00ed, kte\u0159\u00ed \u017eij\u00ed bez finan\u010dn\u00ed rezervy, v \u010cesku st\u00e1le stoup\u00e1, podle odborn\u00edk\u016f je to a\u017e p\u011btina lid\u00ed. Nav\u00edc se trendem st\u00e1v\u00e1 \u201e\u017eivot na dluh\u201c. […]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":14360,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-22132","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\/22132","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=22132"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/22132\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/media\/14360"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=22132"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=22132"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=22132"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}