[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.atrm.cz\/stavba-s-uverem\/#Article","mainEntityOfPage":"https:\/\/www.atrm.cz\/stavba-s-uverem\/","headline":"Stavba s \u00fav\u011brem","name":"Stavba s \u00fav\u011brem","description":"Pen\u00edze m\u00e1me r\u00e1di v\u0161ichni. Umo\u017e\u0148uj\u00ed n\u00e1m \u017eivot si tro\u0161ku u\u017e\u00edt. Dop\u0159\u00e1t si tro\u0161ku lep\u0161\u00edho \u017eivota,…","datePublished":"2019-01-05","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.atrm.cz\/author\/#Person","name":"","url":"https:\/\/www.atrm.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9cac53ffad5d6e0659d72eaf216400c165f8fbf396c79017c66698a8aa5be23d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9cac53ffad5d6e0659d72eaf216400c165f8fbf396c79017c66698a8aa5be23d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"atrm.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.atrm.cz\/wp-content\/uploads\/img_a335424_w2708_t1548691282.jpg","url":"https:\/\/www.atrm.cz\/wp-content\/uploads\/img_a335424_w2708_t1548691282.jpg","height":0,"width":0},"url":"https:\/\/www.atrm.cz\/stavba-s-uverem\/","about":["Bydlen\u00ed"],"wordCount":438,"articleBody":"Pen\u00edze m\u00e1me r\u00e1di v\u0161ichni. Umo\u017e\u0148uj\u00ed n\u00e1m \u017eivot si tro\u0161ku u\u017e\u00edt. Dop\u0159\u00e1t si tro\u0161ku lep\u0161\u00edho \u017eivota, koupit si v\u011bci, kter\u00e9 m\u00e1me r\u00e1di, zaplatit z\u00e1kladn\u00ed pot\u0159eby a \u017e\u00edt tro\u0161ku slu\u0161n\u00fd \u017eivot. Ale ne v\u017edy jich m\u00e1me dostatek a o term\u00ednu finan\u010dn\u00ed nez\u00e1vislost nem\u016f\u017ee b\u00fdt ani \u0159e\u010d. Jen\u017ee v \u010dem je probl\u00e9m? Z\u0159ejm\u011b v cen\u00e1ch. Ne ka\u017ed\u00fd spot\u0159ebitel je schopen se srovnat s rostouc\u00edmi cenami a potom nast\u00e1v\u00e1 probl\u00e9m. Mus\u00edme sni\u017eovat ze sv\u00fdch n\u00e1rok\u016f, a to n\u00e1s nut\u00ed zvykat si, co\u017e nen\u00ed nikdy p\u0159\u00edjemn\u00e9. Ale co kdy\u017e se rozhodneme postavit si vlastn\u00ed bydlen\u00ed. Rozhodn\u011b nejde o \u017e\u00e1dnou levnou z\u00e1le\u017eitost. Mus\u00edme tvo\u0159it kalkulace, kter\u00e9 n\u00e1s stejn\u011b nijak nezachr\u00e1n\u00ed, mus\u00edme \u0161et\u0159it na \u010dem se jen d\u00e1, mus\u00edme si ve v\u00fdsledku je\u0161t\u011b p\u016fj\u010dovat pen\u00edze, co\u017e pro \u010dlov\u011bka nen\u00ed ani trochu p\u0159\u00edjemn\u00e9. Jen\u017ee jak vyv\u00e1znout z dluh\u016f, kdy\u017e \u017eijeme od v\u00fdplaty k v\u00fdplat\u011b. A pojem finan\u010dn\u00ed nez\u00e1vislost n\u00e1m ne\u0159\u00edk\u00e1 skoro nic. Pravd\u011bpodobn\u011b ani nev\u00edme co ten term\u00edn znamen\u00e1. Jde tedy o stav, kdy m\u00e1me tolik financ\u00ed, \u017ee si m\u016f\u017eeme koupit cokoliv, kdykoliv a kdekoliv. To je ov\u0161em stav, kter\u00fd z\u00e1vis\u00ed na finan\u010dn\u00ed \u00farovni a dos\u00e1hne na n\u011bj jen m\u00e1lokdo. Pokud se rozhodneme postavit si d\u016fm, v\u011bt\u0161inou skon\u010d\u00edme u p\u016fj\u010dky. Jen\u017ee ta se postupem \u010dasu m\u011bn\u00ed. Nejv\u011bt\u0161\u00ed vliv na ni m\u00e1 samoz\u0159ejm\u011b \u010cesk\u00e1 n\u00e1rodn\u00ed banka, kter\u00e1 rozhoduje o v\u00fdvoji \u010desk\u00e9 m\u011bny v \u010cR i v zahrani\u010d\u00ed. Nyn\u00ed je koruna na vzestupu, to m\u00e1 sv\u00e9 pozitivn\u00ed i negativn\u00ed str\u00e1nky. Tou nejv\u00edc pozitivn\u00ed je podpora importu a p\u0159\u00edliv zahrani\u010dn\u00edho kapit\u00e1lu. V opa\u010dn\u00e9m sm\u011bru jde o p\u0159\u00edliv a zv\u011bt\u0161en\u00ed objemu pen\u011bz, kter\u00e1 sm\u011b\u0159uje k inflaci. To mus\u00ed \u010cNB korigovat. Z toho d\u016fvodu se tak\u00e9 rozhodla omezit mno\u017estv\u00ed bankovn\u00edch produkt\u016f, kter\u00e9 jsou vyd\u00e1v\u00e1ny. Banka u\u017e tak nesm\u00ed poskytovat \u00fav\u011bry  a hypot\u00e9ky na cel\u00fdch 100 %, ale maxim\u00e1ln\u011b na 90 %. To znamen\u00e1, \u017ee mus\u00edme m\u00edt nejprve naspo\u0159eno ur\u010ditou \u010d\u00e1st pen\u011bz, ne\u017e se pust\u00edme do p\u016fj\u010dky. Kdy\u017e se na p\u016fj\u010de nepod\u00edl\u00edme nem\u00e1me ani \u0161anci na jej\u00ed z\u00edsk\u00e1n\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        3.6\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Stavba s \u00fav\u011brem","item":"https:\/\/www.atrm.cz\/stavba-s-uverem\/#breadcrumbitem"}]}]