{"id":298,"date":"2021-01-13T11:16:48","date_gmt":"2021-01-13T10:16:48","guid":{"rendered":"http:\/\/apenize.cz\/?p=298"},"modified":"2021-01-13T11:16:49","modified_gmt":"2021-01-13T10:16:49","slug":"cesi-se-ve-velkem-zadluzuji-a-spori-malo","status":"publish","type":"post","link":"https:\/\/apenize.cz\/?p=298","title":{"rendered":"\u010ce\u0161i se ve velk\u00e9m zadlu\u017euj\u00ed a spo\u0159\u00ed m\u00e1lo"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">P\u0159esto\u017ee spo\u0159en\u00ed bylo v slovensk\u00e1 dom\u00e1cnostech fenom\u00e9nem a\u017e do poloviny 90. let, po roce 1997 do\u0161lo k jeho v\u00fdrazn\u00e9mu poklesu<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159esto\u017ee spo\u0159en\u00ed bylo v slovensk\u00e1 dom\u00e1cnostech fenom\u00e9nem a\u017e do poloviny 90. let, po roce 1997 do\u0161lo k jeho v\u00fdrazn\u00e9mu poklesu. Situace se m\u00edrn\u011b zlep\u0161ila a\u017e v posledn\u00edch \u010dty\u0159ech letech, av\u0161ak Slov\u00e1ci jsou v spo\u0159en\u00ed na ocase zem\u00ed EU. V p\u0159\u00edpad\u011b zadlu\u017eov\u00e1n\u00ed v\u0161ak zauj\u00edmaj\u00ed p\u0159edn\u00ed m\u00edsto.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Utahov\u00e1n\u00ed opask\u016f na p\u0159elomu tis\u00edcilet\u00ed srazilo mo\u017enosti a ochotu spo\u0159it. M\u00edra \u00faspor klesla z 12% na polovinu a navzdory v\u00fdrazn\u00e9mu ekonomick\u00e9mu r\u016fstu \u00faspory stouply v posledn\u00edch letech jen na n\u011bco p\u0159es 8% disponibiln\u00edho p\u0159\u00edjmu. V roce 2017 v\u0161ak \u010ce\u0161i m\u011bli m\u00edru \u00faspor na \u00farovni 9,5% a Ma\u010fa\u0159i dokonce na 12,1%.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"333\" src=\"https:\/\/apenize.cz\/wp-content\/uploads\/2021\/01\/pexels-photo-3483098-1.jpeg\" alt=\"\" class=\"wp-image-302\" srcset=\"https:\/\/apenize.cz\/wp-content\/uploads\/2021\/01\/pexels-photo-3483098-1.jpeg 500w, https:\/\/apenize.cz\/wp-content\/uploads\/2021\/01\/pexels-photo-3483098-1-300x200.jpeg 300w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Aktu\u00e1ln\u011b spo\u0159\u00ed Slov\u00e1ci 8,2% z p\u0159\u00edjm\u016f, pr\u016fm\u011br EU je v\u0161ak 9,6%. Jak uvedl v pond\u011bl\u00ed na setk\u00e1n\u00ed s m\u00e9dii Zdenko \u0160tefanides, hlavn\u00ed analytik V\u00daB, i kdy\u017e procentu\u00e1ln\u00ed r\u016fst osobn\u00edch finan\u010dn\u00edch aktiv za dva roky (2016-2018) byl vysok\u00fd na \u00farovni 10,7% oproti 2,6% r\u016fstu EU, st\u00e1le je v\u0161ak ni\u017e\u0161\u00ed jako u \u010cech\u016f a Ma\u010far\u016f. &#8222;V absolutn\u00edm vyj\u00e1d\u0159en\u00ed, vzhledem k celkov\u011b n\u00edzk\u00e9 finan\u010dn\u00ed na\u0161e aktiva, EU ani nedobiehame. Zat\u00edmco Slov\u00e1k v dan\u00e9m obdob\u00ed v pr\u016fm\u011bru uspo\u0159il a zv\u00fd\u0161il si finan\u010dn\u00ed aktiva o 1300 eur, Ma\u010far o 2100 eur a \u010cech dokonce o 2200 eur, dod\u00e1v\u00e1 hlavn\u00ed analytik.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"333\" src=\"https:\/\/apenize.cz\/wp-content\/uploads\/2021\/01\/pexels-photo-3833052.jpeg\" alt=\"\" class=\"wp-image-299\" srcset=\"https:\/\/apenize.cz\/wp-content\/uploads\/2021\/01\/pexels-photo-3833052.jpeg 500w, https:\/\/apenize.cz\/wp-content\/uploads\/2021\/01\/pexels-photo-3833052-300x200.jpeg 300w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Slov\u00e1ci maj\u00ed ke konci roku 2018 pr\u016fm\u011brn\u00e9 osobn\u00ed finan\u010dn\u00ed aktiva ve v\u00fd\u0161i 13.400 eur, \u010ce\u0161i 23.100 eur, Ma\u010fa\u0159i 17.100 eur, p\u0159i\u010dem\u017e pr\u016fm\u011br v EU je a\u017e 69.200 eur. Pokud se vezme v \u00favahu, \u017ee Slov\u00e1ci jsou v regionu st\u0159edn\u00ed a v\u00fdchodn\u00ed Evropy po Estonci nejzadlu\u017een\u011bj\u0161\u00ed (Estonci v\u0161ak maj\u00ed t\u00e9m\u011b\u0159 dvojn\u00e1sobn\u011b vy\u0161\u0161\u00ed osobn\u00ed finan\u010dn\u00ed aktiva), finan\u010dn\u00ed situace Slov\u00e1k\u016f je na tom ve srovn\u00e1n\u00ed s regionem v\u00fdrazn\u011b nejhor\u0161\u00ed. Dom\u00e1cnosti na Slovensku m\u011bli tradi\u010dn\u011b v bank\u00e1ch ulo\u017eeno v\u00edce vklad\u016f, jak si od nich p\u016fj\u010dili, v \u0159\u00edjnu 2018 to v\u0161ak p\u0159estalo platit a \u00fav\u011bry p\u0159ed\u010dily vklady v bank\u00e1ch.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podle odborn\u00edk\u016f na finance je v\u00fdzvou pro banky na Slovensku nau\u010dit Slov\u00e1k\u016f investovat. Investov\u00e1n\u00ed je toti\u017e jedinou formou na v\u00fdrazn\u011bj\u0161\u00ed zhodnocen\u00ed \u00faspor. Pod\u00edlov\u00e9 fondy jsou ide\u00e1ln\u00edm a jednoduch\u00fdm n\u00e1strojem pro b\u011b\u017en\u00e9 obyvatele, proto\u017ee ne ka\u017ed\u00fd m\u00e1 zdroje, mo\u017enosti \u010di znalosti zhodnotit sv\u00e9 \u00faspory jinou formou, jako jsou nap\u0159\u00edklad nemovitosti \u010di drah\u00e9 kovy.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>P\u0159esto\u017ee spo\u0159en\u00ed bylo v slovensk\u00e1 dom\u00e1cnostech fenom\u00e9nem a\u017e do poloviny 90. let, po roce 1997 do\u0161lo k jeho v\u00fdrazn\u00e9mu poklesu P\u0159esto\u017ee spo\u0159en\u00ed bylo v slovensk\u00e1 dom\u00e1cnostech fenom\u00e9nem a\u017e do poloviny 90. let, po roce 1997 do\u0161lo k jeho v\u00fdrazn\u00e9mu poklesu. Situace se m\u00edrn\u011b zlep\u0161ila a\u017e v posledn\u00edch \u010dty\u0159ech letech, av\u0161ak Slov\u00e1ci jsou v spo\u0159en\u00ed na [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":301,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-298","post","type-post","status-publish","format-standard","has-post-thumbnail","category-investice"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/posts\/298","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=298"}],"version-history":[{"count":0,"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/posts\/298\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/media\/301"}],"wp:attachment":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=298"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=298"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=298"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}