[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.j-z-m.cz\/neberte-si-vice-uveru\/#Article","mainEntityOfPage":"https:\/\/www.j-z-m.cz\/neberte-si-vice-uveru\/","headline":"Neberte si v\u00edce \u00fav\u011br\u016f","name":"Neberte si v\u00edce \u00fav\u011br\u016f","description":"Po\u010det lid\u00ed v exekuci a insolvenci bohu\u017eel neust\u00e1le roste. Na vin\u011b je p\u0159edev\u0161\u00edm n\u00edzk\u00e1 finan\u010dn\u00ed gramotnost, proto\u017ee spousta lid\u00ed se myln\u011b domn\u00edv\u00e1, \u017ee kdy\u017e budou […]","datePublished":"2024-09-16","dateModified":"2024-09-16","author":{"@type":"Person","@id":"https:\/\/www.j-z-m.cz\/author\/#Person","name":"","url":"https:\/\/www.j-z-m.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"j-z-m.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.j-z-m.cz\/wp-content\/uploads\/man-5574872_640_10_10_10_4.jpg","url":"https:\/\/www.j-z-m.cz\/wp-content\/uploads\/man-5574872_640_10_10_10_4.jpg","height":0,"width":0},"url":"https:\/\/www.j-z-m.cz\/neberte-si-vice-uveru\/","about":["Ekonomika"],"wordCount":427,"articleBody":"   Po\u010det lid\u00ed v exekuci a insolvenci bohu\u017eel neust\u00e1le roste. Na vin\u011b je p\u0159edev\u0161\u00edm n\u00edzk\u00e1 finan\u010dn\u00ed gramotnost, proto\u017ee spousta lid\u00ed se myln\u011b domn\u00edv\u00e1, \u017ee kdy\u017e budou spl\u00e1cet p\u016fj\u010dku p\u016fj\u010dkou, bude to v po\u0159\u00e1dku a z\u00e1vazk\u016f se rychle zbav\u00ed. P\u0159itom je to pr\u00e1v\u011b naopak, pokud nebudete zvl\u00e1dat spl\u00e1cet jednu p\u016fj\u010dku, ur\u010dit\u011b si neberte druhou. Dostanete se do dluhov\u00e9 pasti, ze kter\u00e9 se jen obt\u00ed\u017en\u011b hled\u00e1 cesta ven. Sv\u00e9 o tom v\u00ed statis\u00edce lid\u00ed, kte\u0159\u00ed se takto do exekuc\u00ed dostali. V p\u0159\u00edpad\u011b \u017ee pot\u0159ebujete vyp\u016fj\u010dit pen\u00edze, mus\u00edte si v prv\u00e9 \u0159ad\u011b s odpov\u011bd\u011bt ot\u00e1zku \u201cjak budeme spl\u00e1cet\u201d. Tato odpov\u011b\u010f je to nejd\u016fle\u017eit\u011bj\u0161\u00ed, co by v\u00e1s m\u011blo p\u0159ed podeps\u00e1n\u00edm n\u011bjak\u00e9ho \u00fav\u011bru zaj\u00edmat. Spousta lid\u00ed vid\u00ed pouze reklamn\u00ed n\u00e1pisy typu \u201crychl\u00e1 p\u0159edem schv\u00e1len\u00e1 p\u016fj\u010dka\u201d, ale u\u017e si po\u0159\u00e1dn\u011b nep\u0159e\u010dtou podm\u00ednky smlouvy. U takov\u00fdch smluv v\u011bt\u0161inou b\u00fdvaj\u00ed velmi vysok\u00e9 \u00faroky, tud\u00ed\u017e potrv\u00e1 d\u00e9le, ne\u017e je \u00fav\u011br splacen\u00fd. N\u011bkte\u0159\u00ed lid\u00e9 maj\u00ed probl\u00e9m vytvo\u0159it si finan\u010dn\u00ed rezervu. Finan\u010dn\u00ed poradci ud\u00e1vaj\u00ed, \u017ee ide\u00e1ln\u00ed je m\u00edt finan\u010dn\u00ed pol\u0161t\u00e1\u0159 ve v\u00fd\u0161i \u0161esti m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f. To samoz\u0159ejm\u011b nen\u00ed m\u00e1lo, a p\u0159i dne\u0161n\u00edch p\u0159\u00edjmech a cen\u00e1ch je pro spoustu lid\u00ed probl\u00e9m takovou sumu na\u0161et\u0159it.P\u0159esto byste se o to m\u011bli pokusit, a ka\u017ed\u00fd m\u011bs\u00edc byste si m\u011bli odlo\u017eit alespo\u0148 1000 K\u010d. \u010c\u00edm v\u00edce budete odkl\u00e1dat, t\u00edm d\u0159\u00edve budete m\u00edt c\u00edlovou \u010d\u00e1stku naspo\u0159enou, a nebudete potom pot\u0159ebovat \u010derpat pochybn\u00e9 \u00fav\u011bry s vysok\u00fdmi \u00faroky. Snad jedin\u00fd \u00fav\u011br, kter\u00fd m\u00e1 smysl je hypot\u00e9ka. Banky sice zp\u0159\u00edsnily podm\u00ednky pro jejich schvalov\u00e1n\u00ed, ale pokud nejste veden\u00ed v registru dlu\u017en\u00edk\u016f a nem\u00e1te nap\u0159\u00edklad auto na spl\u00e1tky, je velk\u00e1 \u0161ance \u017ee \u00fav\u011br z\u00edsk\u00e1te. Investice do vlastn\u00edho bydlen\u00ed je v\u017edycky to nejlep\u0161\u00ed, proto\u017ee ceny nemovitost\u00ed porostou i nad\u00e1le. Hodnota nemovitosti, na kter\u00e9 v\u00e1zne hypot\u00e9ka roste, tak\u017ee na \u010derp\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru nakonec vyd\u011bl\u00e1te vy, a to i p\u0159esto, \u017ee zaplat\u00edte na \u00faroc\u00edch spoustu pen\u011bz nav\u00edc.                                                                                                                                                                                                                                                                                                                                                                                                  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