[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.klapp.cz\/budte-v-obraze\/#Article","mainEntityOfPage":"https:\/\/www.klapp.cz\/budte-v-obraze\/","headline":"Bu\u010fte v obraze","name":"Bu\u010fte v obraze","description":"V \u010cesk\u00e9 republice dlouhodob\u011b roste po\u010det dom\u00e1cnost\u00ed, kter\u00e9 maj\u00ed probl\u00e9m vyj\u00edt se sv\u00fdmi p\u0159\u00edjmy. M\u016f\u017ee za to p\u0159edev\u0161\u00edm stagnace p\u0159\u00edjm\u016f a zdra\u017eov\u00e1n\u00ed v\u0161ech z\u00e1kladn\u00edch \u017eivotn\u00edch … ","datePublished":"2025-09-08","dateModified":"2025-09-08","author":{"@type":"Person","@id":"https:\/\/www.klapp.cz\/author\/#Person","name":"","url":"https:\/\/www.klapp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9478c3014fb8763e2a18691ad6bf83eff86429738afad80df8227ac472865e36?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9478c3014fb8763e2a18691ad6bf83eff86429738afad80df8227ac472865e36?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"klapp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.klapp.cz\/wp-content\/uploads\/money-2180330_640_10_10_10_2.jpg","url":"https:\/\/www.klapp.cz\/wp-content\/uploads\/money-2180330_640_10_10_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.klapp.cz\/budte-v-obraze\/","about":["Pen\u00edze"],"wordCount":410,"articleBody":"        V \u010cesk\u00e9 republice dlouhodob\u011b roste po\u010det dom\u00e1cnost\u00ed, kter\u00e9 maj\u00ed probl\u00e9m vyj\u00edt se sv\u00fdmi p\u0159\u00edjmy. M\u016f\u017ee za to p\u0159edev\u0161\u00edm stagnace p\u0159\u00edjm\u016f a zdra\u017eov\u00e1n\u00ed v\u0161ech z\u00e1kladn\u00edch \u017eivotn\u00edch pot\u0159eb, jako je bydlen\u00ed, j\u00eddlo i energie. Lid\u00e9 maj\u00ed st\u00e1le v\u011bt\u0161\u00ed probl\u00e9my platit, co je t\u0159eba, nato\u017e aby si vytvo\u0159ili finan\u010dn\u00ed pol\u0161t\u00e1\u0159 pro p\u0159\u00edpad v\u00fdpadku p\u0159\u00edjm\u016f. M\u00e1lokter\u00e1 dom\u00e1cnost m\u00e1 naspo\u0159eny pen\u00edze, kter\u00e9 by jim sta\u010dily na provoz dom\u00e1cnosti d\u00e9le ne\u017e m\u011bs\u00edc. Jsou i dom\u00e1cnosti, kter\u00e9 nemaj\u00ed naspo\u0159eno v\u016fbec nic a \u017eij\u00ed, jak se \u0159\u00edk\u00e1, od v\u00fdplaty k v\u00fdplat\u011b. U n\u011bkoho za to m\u016f\u017ee t\u00ed\u017eiv\u00e1 \u017eivotn\u00ed situace, nicm\u00e9n\u011b jsou i lid\u00e9, kte\u0159\u00ed si \u017eij\u00ed nad svoje pom\u011bry.I kdy\u017e si to ze sv\u00fdch p\u0159\u00edjm\u016f nemohou dovolit, tou\u017e\u00ed po v\u011bcech, kter\u00e9 si jen tak nemohou koupit a rad\u011bji si je kupuj\u00ed na spl\u00e1tky. Jsou v\u011bci, jako nap\u0159\u00edklad po\u0159\u00edzen\u00ed vlastn\u00edho bydlen\u00ed nebo modern\u011bj\u0161\u00edho auta, kter\u00e9 se v\u011bt\u0161inou bez \u00fav\u011bru neobejdou. V takov\u00fdch p\u0159\u00edpadech je nutn\u00e9 zohlednit svoje p\u0159\u00edjmy a v\u00fddaje p\u0159ed podpisem \u00fav\u011brov\u00e9 smlouvy. Samotn\u00e9 banky velmi d\u016fsledn\u011b prov\u011b\u0159uj\u00ed finan\u010dn\u00ed situaci \u017eadatel\u016f, a kdo nem\u00e1 na poskytnut\u00ed \u00fav\u011bru dostate\u010dn\u00e9 p\u0159\u00edjmy, \u00fav\u011br jednodu\u0161e nedostane. Na trhu jsou ale i spole\u010dnosti, kter\u00e9 toto u \u017eadatel\u016f o \u00fav\u011br ne\u0159e\u0161\u00ed a v\u00fdsledkem je situace, kdy lid\u00e9 maj\u00ed i n\u011bkolik \u00fav\u011br\u016f, kter\u00e9 nakonec nemohou spl\u00e1cet. Kon\u010d\u00ed pak v exekuc\u00edch. Na \u00fav\u011bry a jejich v\u00fdhodnost \u010di schopnost spl\u00e1cet m\u00e1 vliv i \u00farokov\u00e1 sazba. Banky m\u00edvaj\u00ed sazby ni\u017e\u0161\u00ed, kde\u017eto nebankovn\u00ed spole\u010dnosti m\u00edvaj\u00ed \u00faroky vy\u0161\u0161\u00ed pr\u00e1v\u011b proto, \u017ee tolik ne\u0159e\u0161\u00ed finan\u010dn\u00ed situaci \u017eadatel\u016f. Ka\u017ed\u00fd mus\u00ed s\u00e1m b\u00fdt schopen posoudit, co je pro n\u011bj nutn\u00e9 a co pot\u0159ebuje koupit na spl\u00e1tky a co by si rad\u011bji m\u011bl na n\u011bjakou dobu odpustit. Je dobr\u00e9 sledovat aktuality v oboru financ\u00ed. Pravideln\u011b se zaj\u00edmejte o svoje v\u00fddaje a tak\u00e9 o to, jak\u00e9 spole\u010dnosti na trhu poskytuj\u00ed \u00fav\u011bry, a hlavn\u011b za jak\u00fdch podm\u00ednek. Ty se m\u011bn\u00ed ka\u017edou chv\u00edli.                                                                                                                                                                                                                                                                                                                                                                                          4.7\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bu\u010fte v obraze","item":"https:\/\/www.klapp.cz\/budte-v-obraze\/#breadcrumbitem"}]}]