[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.daas.cz\/cesky-narod-a-pujcky\/#Article","mainEntityOfPage":"https:\/\/www.daas.cz\/cesky-narod-a-pujcky\/","headline":"\u010cesk\u00fd n\u00e1rod a p\u016fj\u010dky","name":"\u010cesk\u00fd n\u00e1rod a p\u016fj\u010dky","description":"A ty m\u00e1\u0161 n\u011bjakou p\u016fj\u010dku? Tato ot\u00e1zka je velice \u010dasto d\u016fvodem a tak\u00e9 spou\u0161t\u011b\u010dem velice o\u017eehav\u00e9ho t\u00e9matu, kter\u00fd moc \u010dasto nekon\u010d\u00ed zrovna nejl\u00e9pe. Hor\u0161\u00ed je situace je\u0161t\u011b v p\u0159\u00edpad\u011b, \u017ee se st\u0159etneme se zaryt\u00fdm odm\u00edta\u010dem Read more…<\/a>","datePublished":"2020-12-14","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.daas.cz\/author\/#Person","name":"","url":"https:\/\/www.daas.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"daas.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.daas.cz\/wp-content\/uploads\/Kreditn%C3%AD%20karty.jpg","url":"https:\/\/www.daas.cz\/wp-content\/uploads\/Kreditn%C3%AD%20karty.jpg","height":0,"width":0},"url":"https:\/\/www.daas.cz\/cesky-narod-a-pujcky\/","about":["Finance"],"wordCount":557,"articleBody":" A ty m\u00e1\u0161 n\u011bjakou p\u016fj\u010dku? Tato ot\u00e1zka je velice \u010dasto d\u016fvodem a tak\u00e9 spou\u0161t\u011b\u010dem velice o\u017eehav\u00e9ho t\u00e9matu, kter\u00fd moc \u010dasto nekon\u010d\u00ed zrovna nejl\u00e9pe. Hor\u0161\u00ed je situace je\u0161t\u011b v p\u0159\u00edpad\u011b, \u017ee se st\u0159etneme se zaryt\u00fdm odm\u00edta\u010dem p\u016fj\u010dek. Ka\u017ed\u00fd den na n\u00e1s z m\u00e9di\u00ed nav\u00edc vyskakuj\u00ed titulky, kter\u00e9 hl\u00e1saj\u00ed neuv\u011b\u0159iteln\u011b vysok\u00e1 \u010d\u00edsla, kter\u00e1 maj\u00ed dokl\u00e1dat jak \u0161patn\u011b na tom my, jako \u010desk\u00fd n\u00e1rod, s p\u016fj\u010dov\u00e1n\u00edm pen\u011bz jsme. Je tomu ale skute\u010dn\u011b tak?\u010ce\u0161i samoz\u0159ejm\u011b p\u0159istupuj\u00ed k p\u016fj\u010dk\u00e1m r\u016fzn\u011b https:\/\/www.hypoteka-bez-registru.net\/cesi-pristupuji-k-pujckam-ruzne\/. Pod\u00edvejme se ale nejd\u0159\u00edve na \u010d\u00edsla z obecn\u00e9ho hlediska. Statistiky hl\u00e1saj\u00ed, \u017ee t\u00e9m\u011b\u0159 60 % \u010cech\u016f m\u00e1 zku\u0161enost s p\u016fj\u010dov\u00e1n\u00edm si pen\u011bz od bankovn\u00edch instituc\u00ed. Porovn\u00e1me-li ale toto procento nap\u0159\u00edklad s Amerikou, p\u0159ijdeme na to, \u017ee na tom opravdu zase tak \u0161patn\u011b nejsme, proto\u017ee ve Spojen\u00fdch st\u00e1tech se za\u010d\u00ednaj\u00ed obyvatel\u00e9 zadlu\u017eovat ji\u017e v obdob\u00ed studi\u00ed (hlavn\u011b se tedy jedn\u00e1 o vysok\u00e9 \u0161koly). Dal\u0161\u00ed statistika hraje tak\u00e9 v n\u00e1\u0161 prosp\u011bch, proto\u017ee v roce 2020 kleslo rizikov\u00e9 chov\u00e1n\u00ed p\u0159i p\u016fj\u010dov\u00e1n\u00ed si pen\u011b\u017en\u00edch \u010d\u00e1stek z p\u016fvodn\u00edch 20 % na pouh\u00fdch 13 %. To znamen\u00e1, \u017ee si \u010ce\u0161i za\u010d\u00ednaj\u00ed v\u00edce prom\u00fd\u0161let, na co si pen\u00edze p\u016fj\u010d\u00ed a tak\u00e9 uva\u017euj\u00ed nad t\u00edm, zda budou v\u016fbec schopni tyto p\u016fj\u010dky spl\u00e1cet. Pr\u016fzkumy uk\u00e1zaly, \u017ee nej\u010dast\u011bji p\u0159istupujeme k p\u016fj\u010dk\u00e1m na po\u0159\u00edzen\u00ed nov\u00e9ho automobilu, zakoupen\u00ed anebo postaven\u00ed nemovitosti, rekonstrukci nemovitosti, koupi motocyklu anebo k po\u0159\u00edzen\u00ed nov\u00e9ho vybaven\u00ed dom\u00e1cnosti, do n\u011bho\u017e \u0159ad\u00edme i po\u0159\u00edzen\u00ed nov\u00fdch spot\u0159ebi\u010d\u016f.Ne tak optimistick\u00e1 je ov\u0161em mno\u017estv\u00ed t\u011bch, kte\u0159\u00ed se sna\u017e\u00ed takzvan\u011b vytloukat k\u016fl k\u016flem, tedy t\u011bch, kte\u0159\u00ed p\u0159istupuj\u00ed k p\u016fj\u010dk\u00e1m, je\u017e slou\u017e\u00ed ke spl\u00e1cen\u00ed p\u016fj\u010dek jin\u00fdch. Toto chov\u00e1n\u00ed je velice rizikov\u00e9 a vede k zachycen\u00ed se do nekone\u010dn\u00e9ho koloto\u010de, kter\u00fd ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f nekon\u010d\u00ed zrovna nejl\u00e9pe. K tomuto chov\u00e1n\u00ed se i p\u0159es to ale neboj\u00ed uch\u00fdlit neuv\u011b\u0159iteln\u00fdch 41 % osob z celkov\u00e9ho po\u010dtu p\u016fj\u010duj\u00edc\u00edch. Dal\u0161\u00ed smutnou zpr\u00e1vou je, \u017ee ani po\u010det \u010cech\u016f, kte\u0159\u00ed se uch\u00fdl\u00ed k p\u016fj\u010den\u00ed si pen\u011bz za \u00fa\u010delem koupi dovolen\u00e9 anebo t\u0159eba v\u00e1no\u010dn\u00edch d\u00e1rku, nen\u00ed zrovna n\u00edzk\u00fd. Jak tedy nejl\u00e9pe zabr\u00e1nit tomuto rizikov\u00e9mu chov\u00e1n\u00ed? Skv\u011blou variantou, kter\u00e1 je ji\u017e v pln\u00e9m proudu, je v\u00fduka finan\u010dn\u00ed gramotnosti a upozor\u0148ov\u00e1n\u00ed na tyto probl\u00e9my a\u0165 u\u017e od rodi\u010d\u016f, nebo pr\u00e1v\u011b od pedagogick\u00fdch pracovn\u00edk\u016f, u d\u011bt\u00ed na z\u00e1kladn\u00edch \u0161kol\u00e1ch. Vhodn\u00e9 je tak\u00e9 zd\u016fraznit fakt, \u017ee by m\u011bl \u010dlov\u011bk v\u017edy myslet na zadn\u00ed vr\u00e1tka a dokl\u00e1dat si bokem, aby k p\u016fj\u010dk\u00e1m nemuselo v\u016fbec doch\u00e1zet, anebo alespo\u0148 v co nejnutn\u011bj\u0161\u00edch p\u0159\u00edpadech. 4.2\/5 - (12 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010cesk\u00fd n\u00e1rod a p\u016fj\u010dky","item":"https:\/\/www.daas.cz\/cesky-narod-a-pujcky\/#breadcrumbitem"}]}]