[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.stavcom.cz\/levnejsi-pujcky-o-neco-drive\/#Article","mainEntityOfPage":"https:\/\/www.stavcom.cz\/levnejsi-pujcky-o-neco-drive\/","headline":"Levn\u011bj\u0161\u00ed p\u016fj\u010dky o n\u011bco d\u0159\u00edve","name":"Levn\u011bj\u0161\u00ed p\u016fj\u010dky o n\u011bco d\u0159\u00edve","description":"P\u016fj\u010dov\u00e1n\u00ed pen\u011bz lze v dne\u0161n\u00ed dob\u011b pova\u017eovat za velk\u00fd trend. Lze si p\u016fj\u010dit t\u00e9m\u011b\u0159 na cokoliv od bydlen\u00ed a\u017e po n\u00e1kup automobilu \u010di mobiln\u00edho telefonu. Nen\u00ed v\u0161ak dobr\u00e9 si p\u016fj\u010dovat p\u0159\u00edli\u0161 mnoho. Snadno se m\u016f\u017eeme dostat do dluhov\u00e9 pasti ze kter\u00e9 n\u00e1sledn\u011b nen\u00ed \u00faniku. Proto by \u010dlov\u011bk m\u011bl v r\u00e1mci p\u016fj\u010dek postupovat opatrn\u011b. Letos se...","datePublished":"2018-05-29","dateModified":"2023-05-22","author":{"@type":"Person","@id":"https:\/\/www.stavcom.cz\/author\/#Person","name":"","url":"https:\/\/www.stavcom.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b86e461e91a792eb6523c2667396c9868de382fea5dd80e25dc0d9e030173b65?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b86e461e91a792eb6523c2667396c9868de382fea5dd80e25dc0d9e030173b65?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"stavcom.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.stavcom.cz\/wp-content\/uploads\/img_a321626_w2323_t1532874960.jpg","url":"https:\/\/www.stavcom.cz\/wp-content\/uploads\/img_a321626_w2323_t1532874960.jpg","height":0,"width":0},"url":"https:\/\/www.stavcom.cz\/levnejsi-pujcky-o-neco-drive\/","about":["Pen\u00edze"],"wordCount":441,"articleBody":"\tP\u016fj\u010dov\u00e1n\u00ed pen\u011bz lze v dne\u0161n\u00ed dob\u011b pova\u017eovat za velk\u00fd trend. Lze si p\u016fj\u010dit t\u00e9m\u011b\u0159 na cokoliv od bydlen\u00ed a\u017e po n\u00e1kup automobilu \u010di mobiln\u00edho telefonu. Nen\u00ed v\u0161ak dobr\u00e9 si p\u016fj\u010dovat p\u0159\u00edli\u0161 mnoho. Snadno se m\u016f\u017eeme dostat do dluhov\u00e9 pasti ze kter\u00e9 n\u00e1sledn\u011b nen\u00ed \u00faniku. Proto by \u010dlov\u011bk m\u011bl v r\u00e1mci p\u016fj\u010dek postupovat opatrn\u011b.\t\tLetos se v\u0161ak m\u016f\u017eeme setkat s n\u011b\u010d\u00edm neobvykl\u00fdm. Zv\u00fdhodn\u011bn\u00e9 p\u016fj\u010dky, kter\u00e9 banky b\u011bhem z\u00e1\u0159\u00ed a \u0159\u00edjna poskytuj\u00ed sv\u00fdm klient\u016fm nalezneme v jejich portfoliu ji\u017e nyn\u00ed. Co stoj\u00ed za touto zm\u011bnou. Z\u0159ejm\u011b se bude jednat o kroky, kter\u00e9 u\u010dinila \u010cNB.\tJeliko\u017e posiluje koruna m\u016f\u017eeme na ni tak\u00e9 pozorovat r\u016fst \u010desk\u00e9 ekonomiky. Aby nedo\u0161lo k p\u0159esycen\u00ed trhu pen\u011bzi, a tedy k r\u016fstu inflace co\u017e by zp\u016fsobilo znehodnocen\u00ed pen\u011bz zvy\u0161uje n\u00e1rodn\u00ed banka \u00farokov\u00e9 sazby a zp\u0159\u00eds\u0148uje pravidla pro z\u00edsk\u00e1n\u00ed p\u016fj\u010dek.\tPokud by p\u016fj\u010dky z\u016fstaly na \u00faroku kolem 2,5 % m\u016f\u017ee to p\u016fsobit pro klienta v\u00fdhodn\u011b, ale pokud by do\u0161lo k uvoln\u011bn\u00ed p\u0159\u00edli\u0161 velk\u00e9ho mno\u017estv\u00ed pen\u011bz m\u011blo by to fat\u00e1ln\u00ed n\u00e1sledky na ekonomiku.\tBanky se tedy nyn\u00ed sna\u017e\u00ed p\u0159il\u00e1kat co nejv\u00edce z\u00e1kazn\u00edk\u016f, aby z\u00edskali p\u016fj\u010dku za st\u00e1le zv\u00fdhodn\u011bn\u00fdch podm\u00ednek. Od \u0159\u00edjna m\u00e1 toti\u017e \u00farokov\u00e1 sazba p\u016fj\u010dek vzr\u016fst a\u017e k 3 %. N\u00e1r\u016fst o p\u016fl procenta m\u016f\u017ee zn\u00edt sm\u011b\u0161n\u011b av\u0161ak z dlouhodob\u00e9ho hlediska m\u016f\u017ee m\u00edt fat\u00e1ln\u00ed n\u00e1sledky.\t\tUr\u010dit\u00fdm \u0159e\u0161en\u00edm by mohlo b\u00fdt zafixov\u00e1n\u00ed \u00farokov\u00e9 sazby. To by bylo v\u00fdhodn\u00e9 pouze z kr\u00e1tkodob\u00e9ho hlediska, kdy je ekonomika st\u00e1le ve f\u00e1zi r\u016fstu a zajistily by se n\u00e1m tedy st\u00e1vaj\u00edc\u00ed v\u00fdhodn\u00e9 podm\u00ednky. Z dlouhodob\u00e9ho hlediska u\u017e fixaci odborn\u00edci nedoporu\u010duj\u00ed. Jeliko\u017e nikdo nem\u016f\u017ee odhadnout, jak dlouho bude ekonomika v r\u016fstu nemusela by se n\u00e1m tak\u00e9 fixace vyplatit. Pokud by nav\u00edc do\u0161lo v r\u016fstu inflace mohli bychom dal\u0161\u00edch dvacet let spl\u00e1cet znehodnocen\u00fd \u00fav\u011br.\tZ\u00e1klad pro z\u00edsk\u00e1n\u00ed p\u016fj\u010dky ov\u0161em z\u016fst\u00e1v\u00e1 stejn\u00fd. Mus\u00edme m\u00edt nemovitost nebo p\u0159\u00edjem, kter\u00fdm m\u016f\u017eeme ru\u010dit neb\u00fdt v registru dlu\u017en\u00edk\u016f a b\u00fdt konstantn\u011b schopni spl\u00e1cet.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Levn\u011bj\u0161\u00ed p\u016fj\u010dky o n\u011bco d\u0159\u00edve","item":"https:\/\/www.stavcom.cz\/levnejsi-pujcky-o-neco-drive\/#breadcrumbitem"}]}]