{"id":324,"date":"2021-01-13T12:33:15","date_gmt":"2021-01-13T11:33:15","guid":{"rendered":"http:\/\/apenize.cz\/?p=324"},"modified":"2024-03-20T20:16:09","modified_gmt":"2024-03-20T19:16:09","slug":"tri-kroky-k-financni-stabilite-prevence-abychom-iv-tezkych-dobach-dokazali-splacet-uver","status":"publish","type":"post","link":"https:\/\/apenize.cz\/?p=324","title":{"rendered":"T\u0159i kroky k finan\u010dn\u00ed stabilit\u011b: Prevence, abychom i v t\u011b\u017ek\u00fdch dob\u00e1ch dok\u00e1zali spl\u00e1cet \u00fav\u011br"},"content":{"rendered":"\n

Mo\u017enost po\u017e\u00e1dat o odklad spl\u00e1cen\u00ed \u00fav\u011bru kon\u010d\u00ed v posledn\u00ed prosincov\u00fd den tohoto roku. \u010c\u00e1st dlu\u017en\u00edk\u016f s odkladem \u0159\u00edk\u00e1, \u017ee v p\u0159\u00ed\u0161t\u00edm roce se nedok\u00e1\u017ee vr\u00e1tit k spl\u00e1cen\u00ed \u00fav\u011br\u016f. N\u011bkte\u0159\u00ed lid\u00e9 naopak p\u0159ijdou o pr\u00e1ci v aktu\u00e1ln\u00ed druh\u00e9 vln\u011b a zva\u017euj\u00ed, zda rychle po\u017e\u00e1daj\u00ed o odklad. Mari\u00e1n Bul\u00edk, finan\u010dn\u00ed analytik OVB Allfinanz Slovensko rad\u00ed, jak v obou p\u0159\u00edpadech postupovat a doporu\u010duje, na co si d\u00e1t pozor.
N\u00e1rodn\u00ed banka Slovenska se od kv\u011btna 2020 lid\u00ed s \u00fav\u011bry pt\u00e1 na jejich finan\u010dn\u00ed situaci. Zat\u00edmco v prvn\u00ed vln\u011b pr\u016fzkumu 9% dom\u00e1cnost\u00ed mluvilo, \u017ee nebude v\u011bd\u011bt spl\u00e1cet sv\u016fj \u00fav\u011br po skon\u010den\u00ed odkladu, v l\u00e9t\u011b se pod\u00edl vy\u0161plhal a\u017e na 12%. V aktu\u00e1ln\u00ed 4. vln\u011b, kter\u00e1 prob\u011bhla od 20. \u0159\u00edjna do 2. listopadu, to byly u\u017e jen 4%. Z po\u010dtu p\u0159ibli\u017en\u011b 140 tis\u00edc odlo\u017een\u00fdch spl\u00e1cen\u00ed \u00fav\u011br\u016f (stav kol\u00eds\u00e1, proto\u017ee ka\u017ed\u00fd m\u011bs\u00edc p\u0159ib\u00fdvaj\u00ed nov\u00e9 odklady a z\u00e1rove\u0148 \u010d\u00e1sti klient\u016f odklady kon\u010d\u00ed) st\u00e1le jde o p\u0159ibli\u017en\u011b 5 tis\u00edc dom\u00e1cnost\u00ed. Banky i NBS v\u0161ak \u0159\u00edkaj\u00ed, \u017ee re\u00e1ln\u00e9 z\u00e1sadn\u00ed probl\u00e9my nehroz\u00ed. M\u00edra selhaly \u00fav\u011br\u016f dom\u00e1cnost\u00ed, kter\u00e1 se dlouhodob\u011b pohybuje na 1,5%, by podle nejnov\u011bj\u0161\u00edho vyj\u00e1d\u0159en\u00ed NBS mohla nar\u016fst v p\u0159\u00ed\u0161t\u00edm roce na 1,7%. To NBS nepova\u017euje vzhledem k vytvo\u0159en\u00e9 bankovn\u00ed rezervy za probl\u00e9m. V\u00fdsledkem je, \u017ee ministerstvo financ\u00ed neprodlou\u017eilo mo\u017enost odkladu spl\u00e1cen\u00ed. Z\u00e1rove\u0148 si v\u0161ak p\u0159ipravilo p\u016fdu, aby tak mohlo u\u010dinit operativn\u011b, kdyby to navzdory o\u010dek\u00e1v\u00e1n\u00ed bylo pot\u0159eba.<\/p>\n\n\n\n

Re\u00e1ln\u00fd probl\u00e9m spl\u00e1cet budou m\u00edt lid\u00e9, kter\u00fdm se sn\u00ed\u017eil p\u0159\u00edjem. Podle Statistick\u00e9ho \u00fa\u0159adu toti\u017e poprv\u00e9 za posledn\u00ed roky p\u0159\u00edjmy v prvn\u00edm pololet\u00ed 2020 nerostly. To se zm\u011bnilo v 3. \u010dtvrtlet\u00ed, kdy pr\u016fm\u011brn\u00e1 mzda narostla na 1 113 eur. Hor\u0161\u00ed jsou na tom lid\u00e9, kte\u0159\u00ed p\u0159i\u0161li o pr\u00e1ci.<\/p>\n\n\n\n

Kdo nev\u00ed spl\u00e1cet, pot\u0159ebuje okam\u017eit\u011b sn\u00ed\u017eit v\u00fddaje a z\u00e1rove\u0148 upravit spl\u00e1cen\u00ed
Co s t\u00edm mohou lid\u00e9 ud\u011blat? Opat\u0159en\u00ed z\u00e1vis\u00ed na tom, zda maj\u00ed vytvo\u0159enou finan\u010dn\u00ed rezervu. Doporu\u010duje se m\u00edt v bance dlouhodob\u011b vytvo\u0159enou okam\u017eit\u011b dostupnou rezervu ve v\u00fd\u0161i 3-6 m\u011bs\u00ed\u010dn\u00edch b\u011b\u017en\u00fdch v\u00fddaj\u016f v\u010detn\u011b \u00fav\u011br\u016f. Lid\u00e9 s takovou rezervou nemaj\u00ed probl\u00e9m ani v p\u0159\u00edpad\u011b, \u017ee ztrat\u00ed pr\u00e1ci, proto\u017ee maj\u00ed b\u011bhem hled\u00e1n\u00ed nov\u00e9ho zam\u011bstn\u00e1n\u00ed pokryt\u00e9 v\u00fddaje. Toto je v\u0161ak realita jen mal\u00e9 \u010d\u00e1sti Slov\u00e1k\u016f. Pro zbytek plat\u00ed dv\u011b doporu\u010den\u00ed:<\/p>\n\n\n\n

\u010d\u00edm d\u0159\u00edve zanalyzovat sv\u00e9 v\u00fddaje a sn\u00ed\u017eit jejich, kde se d\u00e1
sna\u017eit se o sn\u00ed\u017een\u00ed spl\u00e1tky prodlou\u017een\u00edm splatnosti \u00fav\u011bru a konsolidac\u00ed \u00fav\u011br\u016f
Ze zku\u0161enosti s klienty jsem p\u0159esv\u011bd\u010den, \u017ee v ka\u017ed\u00e9m rodinn\u00e9m rozpo\u010dtu se najdou rezervy, \u010dili v\u00fddaje, kter\u00e9 lze vy\u0161krtnout nebo alespo\u0148 omezit. Lid\u00e9 s dluhem po skon\u010den\u00ed odkladu nebudou extra chr\u00e1n\u011bni a pokud nedok\u00e1\u017e\u00ed spl\u00e1cet, p\u0159ijde na \u0159adu dra\u017eba a ztr\u00e1ta bydlen\u00ed. To je v\u00e1\u017en\u00e1 situace, proto t\u0159eba s\u00e1hnout i po bolestiv\u00fdch \u0161krtech v rodinn\u00e9m rozpo\u010dtu. K anal\u00fdze \u00faspor pat\u0159\u00ed samoz\u0159ejm\u011b i v\u00fddaje na r\u016fzn\u00e9 poplatky, pojistn\u00e9 smlouvy a \u00fav\u011bry. S touto anal\u00fdzou dok\u00e1\u017ee pomoci finan\u010dn\u00ed zprost\u0159edkovatel.<\/p>\n\n\n\n

T\u0159i kroky k finan\u010dn\u00ed stabilit\u011b: Prevence, abychom iv t\u011b\u017ek\u00fdch dob\u00e1ch dok\u00e1zali spl\u00e1cet \u00fav\u011br<\/p>\n\n\n\n

Soub\u011b\u017en\u011b s redukc\u00ed v\u00fddaj\u016f t\u0159eba maxim\u00e1ln\u011b sn\u00ed\u017eit m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku \u00fav\u011bru. To se d\u00e1 bezprobl\u00e9mov\u011b prodlou\u017een\u00edm splatnosti. Na Slovensku jsou banky nab\u00edzej\u00edc\u00ed splatnost hypot\u00e9k a\u017e 40 let. P\u0159i rekordn\u011b n\u00edzk\u00fdch \u00faroc\u00edch je m\u00edra proplacen\u00ed \u00fav\u011bru i s prodlou\u017eenou splatnost\u00ed n\u00edzk\u00e1. A to zvl\u00e1\u0161t\u011b tehdy, pokud z\u016fst\u00e1v\u00e1 splatit men\u0161\u00ed \u010d\u00e1st \u00fav\u011bru. Krom\u011b toho, \u010dlov\u011bk se um\u00ed vr\u00e1tit ke krat\u0161\u00ed splatnosti v moment\u011b, kdy mu naroste p\u0159\u00edjem. Konsolidace \u00fav\u011br\u016f se t\u00fdk\u00e1 zejm\u00e9na spot\u0159ebn\u00edch \u00fav\u011br\u016f, kter\u00e9 klienti v posledn\u00edch letech vyu\u017e\u00edvaly na dofinancov\u00e1n\u00ed hypot\u00e9k. V\u00fdrazn\u011b levn\u011bj\u0161\u00ed alternativou je stavebn\u00ed \u00fav\u011br nebo mezi\u00fav\u011br. Statistika NBS \u0159\u00edk\u00e1 jasn\u011b: v \u0159\u00edjnu byl pr\u016fm\u011brn\u00fd \u00farok u nov\u00fdch spot\u0159ebn\u00edch \u00fav\u011br\u016f 8,35%, av\u0161ak p\u0159i stavebn\u00edch \u00fav\u011brech 3,43 a p\u0159i mezi\u00fav\u011br 3,41%. Nav\u00edc, velmi kr\u00e1tk\u00e1, maxim\u00e1ln\u011b 8-let\u00e1 splatnost spot\u0159ebn\u00edho \u00fav\u011bru v\u00fdrazn\u011b zvy\u0161uje spl\u00e1tku. Stavebn\u00ed \u00fav\u011br m\u00e1 p\u0159itom splatnost podobnou jako hypot\u00e9ka (max. 30 let).<\/p>\n\n\n\n

P\u0159i\u0161el jsem v 2. vln\u011b o pr\u00e1ci, co m\u00e1m d\u011blat?
O odklad spl\u00e1cen\u00ed na maxim\u00e1ln\u011b 9 m\u011bs\u00edc\u016f se d\u00e1 po\u017e\u00e1dat do 31. prosince 2020. Proces je jednoduch\u00fd: sta\u010d\u00ed elektronicky po\u017e\u00e1dat banku o odklad a ta \u017e\u00e1dost bez dal\u0161\u00edho dokladov\u00e1n\u00ed zpracuje. Kdo spl\u0148uje jedinou podm\u00ednku – nen\u00ed v prodlen\u00ed se spl\u00e1tkou – odklad z\u00edsk\u00e1. Net\u0159eba si v\u0161ak \u017e\u00e1dost nech\u00e1vat na posledn\u00ed chv\u00edli. Pokud \u010dlov\u011bk p\u0159i\u0161el o pr\u00e1ci, m\u00e1 jen minim\u00e1ln\u00ed rezervy a re\u00e1ln\u011b mu hroz\u00ed, \u017ee ztrat\u00ed st\u0159echu nad hlavou, je ur\u010dit\u011b lep\u0161\u00ed odlo\u017eit si spl\u00e1cen\u00ed. Jakmile se finan\u010dn\u00ed situace \u010dlov\u011bka zlep\u0161\u00ed, je v\u0161ak vhodn\u00e9 odklad zru\u0161it. Odlo\u017een\u00ed toti\u017e \u00fav\u011br zbyte\u010dn\u011b prodra\u017euje – \u00faroky za m\u011bs\u00edce odkladu bude t\u0159eba splatit a\u0165 nav\u00fd\u0161en\u00edm spl\u00e1tek nebo prodlou\u017een\u00edm splatnosti \u00fav\u011bru.<\/p>\n\n\n

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Lid\u00e9 by se nem\u011bli spol\u00e9hat na to, \u017ee o odklad se bude d\u00e1t po\u017e\u00e1dat iv p\u0159\u00ed\u0161t\u00edm roce. Vl\u00e1da m\u00e1 sice vytvo\u0159enou pojistku (v z\u00e1kon\u011b o zru\u0161en\u00ed bankovn\u00edho odvodu se preventivn\u00edmu<\/p>\n\n\n\n

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Tip redakce: Bav\u00ed V\u00e1s zaj\u00edmav\u00e9 \u010dten\u00ed? Aktuality, zaj\u00edmavosti a mnoho dal\u0161\u00edho naleznete na webu\u00a0primainspirace\u00a0v kategorii\u00a0neza\u0159azen\u00e9<\/u><\/a>.<\/p>\n\n\n\n

\n","protected":false},"excerpt":{"rendered":"

Mo\u017enost po\u017e\u00e1dat o odklad spl\u00e1cen\u00ed \u00fav\u011bru kon\u010d\u00ed v posledn\u00ed prosincov\u00fd den tohoto roku. \u010c\u00e1st dlu\u017en\u00edk\u016f s odkladem \u0159\u00edk\u00e1, \u017ee v p\u0159\u00ed\u0161t\u00edm roce se nedok\u00e1\u017ee vr\u00e1tit k spl\u00e1cen\u00ed \u00fav\u011br\u016f. N\u011bkte\u0159\u00ed lid\u00e9 naopak p\u0159ijdou o pr\u00e1ci v aktu\u00e1ln\u00ed druh\u00e9 vln\u011b a zva\u017euj\u00ed, zda rychle po\u017e\u00e1daj\u00ed o odklad. Mari\u00e1n Bul\u00edk, finan\u010dn\u00ed analytik OVB Allfinanz Slovensko rad\u00ed, jak v […]<\/p>\n","protected":false},"author":2,"featured_media":325,"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":[6],"tags":[],"class_list":["post-324","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-navody"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/posts\/324","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=324"}],"version-history":[{"count":0,"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/posts\/324\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/media\/325"}],"wp:attachment":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=324"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=324"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=324"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}