[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tetom.cz\/myslet-i-na-ty-druhe\/#Article","mainEntityOfPage":"https:\/\/www.tetom.cz\/myslet-i-na-ty-druhe\/","headline":"Myslet i na ty druh\u00e9","name":"Myslet i na ty druh\u00e9","description":"Utr\u00e1cet pen\u00edze, \u0161et\u0159it, investovat, ale i darovat. V\u0161echno se d\u00e1, pokud jich m\u00e1me dost, pokud s nimi dok\u00e1\u017eeme hospoda\u0159it s rozumem. Ale d\u016fle\u017eit\u00e9 p\u0159edev\u0161\u00edm je, nezadlu\u017eovat se.
 
 V tomto sm\u011bru asi komplexn\u00ed pr\u016fzkum nap\u0159\u00ed\u010d…","datePublished":"2019-11-24","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.tetom.cz\/author\/#Person","name":"","url":"https:\/\/www.tetom.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/091b4d684e9af597ec9885a078917281e353fb1084ff05c94355123dbb14e899?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/091b4d684e9af597ec9885a078917281e353fb1084ff05c94355123dbb14e899?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tetom.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tetom.cz\/wp-content\/uploads\/img_a361306_w2982_t1574598413.jpg","url":"https:\/\/www.tetom.cz\/wp-content\/uploads\/img_a361306_w2982_t1574598413.jpg","height":0,"width":0},"url":"https:\/\/www.tetom.cz\/myslet-i-na-ty-druhe\/","about":["Pen\u00edze"],"wordCount":450,"articleBody":"Utr\u00e1cet pen\u00edze, \u0161et\u0159it, investovat, ale i darovat. V\u0161echno se d\u00e1, pokud jich m\u00e1me dost, pokud s nimi dok\u00e1\u017eeme hospoda\u0159it s rozumem. Ale d\u016fle\u017eit\u00e9 p\u0159edev\u0161\u00edm je, nezadlu\u017eovat se.
 
 V tomto sm\u011bru asi komplexn\u00ed pr\u016fzkum nap\u0159\u00ed\u010d mezi spole\u010densk\u00fdmi t\u0159\u00eddami nen\u00ed. Kdov\u00ed, jak by to dopadlo. O \u010dem se mluv\u00ed, tak to je to, \u017ee se lid\u00e9 u n\u00e1s maj\u00ed mnohem l\u00e9pe. Na druhou stranu se p\u0159izn\u00e1v\u00e1, \u017ee z\u00e1kladn\u00ed potraviny, bydlen\u00ed v\u010detn\u011b energie, plynu, vody se zase bude zdra\u017eovat. Tak\u017ee, o co m\u011bli lid\u00e9 tento rok lep\u0161\u00ed p\u0159\u00edjem, tak nap\u0159\u00edklad za ty sam\u00e9 potraviny se utratilo minim\u00e1ln\u011b o 30% v\u00edce. To je tvrd\u00e1 realita.
 
 
 
 Co se t\u00fdk\u00e1 zadlu\u017eenosti obyvatel, to se moc nezlep\u0161uje. P\u0159i lep\u0161\u00edch p\u0159\u00edjmem se \u010d\u00e1ste\u010dn\u011b zlep\u0161ilo spl\u00e1cen\u00ed spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f. Nejenom \u017ee byty a nemovitosti jsou velmi, velmi drah\u00e9, zvl\u00e1\u0161\u0165 ve velk\u00fdch m\u011bstech, ale zadlu\u017eenost na\u0161ich obyvatel je hodn\u011b vysok\u00e1. 
 
 U po\u0159izov\u00e1n\u00ed hypot\u00e9k je to pro banky hor\u0161\u00ed. Proto\u017ee mnoz\u00ed lid\u00e9 na n\u011b nedos\u00e1hnou. Zvl\u00e1\u0161\u0165 ta mlad\u0161\u00ed generace. Podm\u00ednky k z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru jsou velmi p\u0159\u00edsn\u00e9:
 
  v \u017dadatel podle pravidel o hypote\u010dn\u00edch \u00fav\u011brech mus\u00ed m\u00edt na\u0161et\u0159eno 5 a\u017e 10 % z hodnoty nemovitosti. (Podle toho, o jakou lokalitu a banku se jedn\u00e1 a nav\u00edc v\u0161echny banky mus\u00ed d\u016fkladn\u011b prov\u011b\u0159it p\u0159\u00edjem \u017eadatele. Jeho dev\u00edtin\u00e1sobek \u010dist\u00e9ho p\u0159\u00edjmu za rok, nesm\u00ed b\u00fdt ni\u017e\u0161\u00ed ne\u017e v\u00fd\u0161ka dlu\u017en\u00e9 \u010d\u00e1stky. Nav\u00edc, m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka dluhu by m\u011bla dosahovat maxim\u00e1ln\u011b 45% z jeho \u010dist\u00e9 m\u011bs\u00ed\u010dn\u00ed mzdy.
 
  
 
 Aby se situace pro banky zlep\u0161ila, tak postupn\u011b u n\u011bkter\u00fdch bank kles\u00e1 \u00farokov\u00e1 sazba s del\u0161\u00ed fixac\u00ed (3 a\u017e 5 let). Jak to bude trvat dlouho, to se nev\u00ed.
 
 A\u0165 m\u00e1 ka\u017ed\u00fd p\u0159\u00edjem jak\u00fdkoliv, mal\u00fd nebo dosta\u010duj\u00edc\u00ed, nem\u011bli bychom zapom\u00ednat na ty, co na\u0161i pomoc pot\u0159ebuj\u00ed. 
 
 Jsou to na rozd\u00edl od politick\u00fdch neziskov\u00fdch organizac\u00ed
 
  v r\u016fzn\u00e9 nada\u010dn\u00ed fondy a neziskov\u00e9 organizace, kter\u00e9 pom\u00e1haj\u00ed lidem, a\u0165 se jedn\u00e9 o pomoc v oblasti zdrav\u00ed nebo lep\u0161\u00edho soci\u00e1ln\u00edho z\u00e1zem\u00ed.
 
 Pokud n\u011bkdo z v\u00e1s po\u0161le t\u0159eba i 20 \u2013 50 K\u010d t\u011bmto fond\u016fm a neziskov\u00fdm organizac\u00edm, kte\u0159\u00ed pom\u00e1haj\u00ed lidem u n\u00e1s i v zahrani\u010d\u00ed, tak je to z\u00e1slu\u017en\u00fd \u010din a nemus\u00ed t\u011bch p\u00e1r korun litovat.
                                                                                                                                                                                                                                                                                                                                                                                         3.8\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Myslet i na ty druh\u00e9","item":"https:\/\/www.tetom.cz\/myslet-i-na-ty-druhe\/#breadcrumbitem"}]}]