[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.chiki.cz\/zivot-na-dluh-nezbytnost-nebo-prepych\/#Article","mainEntityOfPage":"https:\/\/www.chiki.cz\/zivot-na-dluh-nezbytnost-nebo-prepych\/","headline":"\u017divot na dluh \u2013 nezbytnost nebo p\u0159epych?","name":"\u017divot na dluh \u2013 nezbytnost nebo p\u0159epych?","description":"St\u00e1le v\u00edce \u010desk\u00fdch dom\u00e1cnost\u00ed \u017eije na dluh. Vysn\u011bn\u00e9 vlastn\u00ed bydlen\u00ed nen\u00ed tak snadno na dosah a p\u0159i nekone\u010dn\u00e9m harcov\u00e1n\u00ed po podn\u00e1jmech \u010dlov\u011bku dojde trp\u011blivost. Cht\u011bl by do vlastn\u00edho. Bez zadlu\u017een\u00ed to v\u0161ak zpravidla nejde. Pojmy jako finan\u010dn\u00ed zdrav\u00ed, dobr\u00fd versus \u0161patn\u00fd \u00fav\u011br, investice versus spot\u0159eba bychom m\u011bli zn\u00e1t d\u0159\u00edv, ne\u017e se o p\u016fj\u010dku za\u010dneme zaj\u00edmat. […]","datePublished":"2025-03-03","dateModified":"2025-03-03","author":{"@type":"Person","@id":"https:\/\/www.chiki.cz\/author\/#Person","name":"","url":"https:\/\/www.chiki.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4ae18345300f35922a2a7b2caa17564b68acab8514eff939a8a019efde378c24?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4ae18345300f35922a2a7b2caa17564b68acab8514eff939a8a019efde378c24?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"chiki.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.chiki.cz\/wp-content\/uploads\/img_a341877_w2745_t1554803343.jpg","url":"https:\/\/www.chiki.cz\/wp-content\/uploads\/img_a341877_w2745_t1554803343.jpg","height":0,"width":0},"url":"https:\/\/www.chiki.cz\/zivot-na-dluh-nezbytnost-nebo-prepych\/","wordCount":462,"articleBody":"St\u00e1le v\u00edce \u010desk\u00fdch dom\u00e1cnost\u00ed \u017eije na dluh. Vysn\u011bn\u00e9 vlastn\u00ed bydlen\u00ed nen\u00ed tak snadno na dosah a p\u0159i nekone\u010dn\u00e9m harcov\u00e1n\u00ed po podn\u00e1jmech \u010dlov\u011bku dojde trp\u011blivost. Cht\u011bl by do vlastn\u00edho. Bez zadlu\u017een\u00ed to v\u0161ak zpravidla nejde. Pojmy jako finan\u010dn\u00ed zdrav\u00ed, dobr\u00fd versus \u0161patn\u00fd \u00fav\u011br, investice versus spot\u0159eba bychom m\u011bli zn\u00e1t d\u0159\u00edv, ne\u017e se o p\u016fj\u010dku za\u010dneme zaj\u00edmat.\tJe t\u0159eba stanovit si priority. Pro v\u011bt\u0161inu lid\u00ed je na prvn\u00edm m\u00edst\u011b bydlen\u00ed pod vlastn\u00ed st\u0159echou. P\u016fj\u010dka na bydlen\u00ed je, na rozd\u00edl od spot\u0159ebitelsk\u00e9ho \u00fav\u011bru, dlouhodobou investic\u00ed. Po\u0159izovat si na spl\u00e1tky konzumn\u00ed zbo\u017e\u00ed jako je automobil, elektronika, z\u00e1jezdy \u010di oble\u010den\u00ed opravdu nen\u00ed nezbytnost\u00ed a m\u016f\u017ee to ohrozit va\u0161i finan\u010dn\u00ed rovnov\u00e1hu.\t\tPrvn\u00ed rada zn\u00ed: nebrat si p\u016fj\u010dky bez rozmyslu. Zadlu\u017een\u00ed rodiny by m\u011blo b\u00fdt v\u00fdsledkem d\u016fkladn\u011b promy\u0161len\u00e9ho pl\u00e1nu. Pokud se rozhodnete financovat n\u00e1kup nemovitosti, zvolte jako nejlevn\u011bj\u0161\u00ed variantu p\u016fj\u010dku ur\u010denou k\u00a0tomuto \u00fa\u010delu, hypot\u00e9ku nebo \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed. Lze t\u00e9\u017e vyu\u017e\u00edt bez\u00faro\u010dnou p\u016fj\u010dku zam\u011bstnanci, kterou \u0159ada firem nab\u00edz\u00ed jako zam\u011bstnaneck\u00fd benefit.\tJestli\u017ee n\u00e1m pl\u00e1novan\u00e1 hypot\u00e9ka spolkne plat jednoho z\u00a0man\u017eel\u016f, tedy t\u00e9m\u011b\u0159 polovinu p\u0159\u00edjm\u016f dom\u00e1cnosti, je t\u0159eba zamyslet se nad t\u00edm, zda dlouhodob\u011b vysta\u010d\u00edme s\u00a0druh\u00fdm platem. Mus\u00edme v\u017edy po\u010d\u00edtat s t\u00edm, \u017ee na b\u011b\u017en\u00e9 pot\u0159eby a provoz dom\u00e1cnosti budeme m\u00edt finan\u010dn\u00ed limit. To znamen\u00e1 nutnost z\u0159\u00edct se n\u011bkter\u00fdch v\u011bc\u00ed, nap\u0159\u00edklad dovolen\u00fdch nebo n\u00e1kupu auta, vybaven\u00ed dom\u00e1cnosti \u010di drah\u00e9 elektroniky. \u00a0\t\tPokud jste zalo\u017eili rodinu, myslete na to, \u017ee va\u0161e d\u011bti porostou a jejich n\u00e1roky se budou zvy\u0161ovat s\u00a0v\u011bkem a p\u0159\u00edpravou na budouc\u00ed povol\u00e1n\u00ed. Tak\u00e9 je dobr\u00e9 budovat si finan\u010dn\u00ed rezervu, a to i v p\u0159\u00edpad\u011b, \u017ee spl\u00e1c\u00edme. Sou\u010det spl\u00e1tek by optim\u00e1ln\u011b nem\u011bl p\u0159es\u00e1hnout 20 % celkov\u00e9ho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu.\tDlouholet\u00e9 spl\u00e1cen\u00ed je samoz\u0159ejm\u011b z\u00e1t\u011b\u017e\u00ed pro rodinu. Del\u0161\u00ed \u00fav\u011bry jsou tak\u00e9 zpravidla dra\u017e\u0161\u00ed, a to je dal\u0161\u00ed d\u016fvod, pro\u010d bychom se m\u011bli sna\u017eit br\u00e1t si je na nezbytn\u011b nutnou dobu. Ani moment\u00e1ln\u00ed vy\u0161\u0161\u00ed p\u0159\u00edjmy rodiny nejsou d\u016fvodem k\u00a0v\u011bt\u0161\u00edmu zadlu\u017eov\u00e1n\u00ed, proto\u017ee v\u00a0dlouhodob\u00e9m horizontu se m\u016f\u017ee zm\u011bnit jak finan\u010dn\u00ed situace, tak zdravotn\u00ed stav \u017eivitel\u016f rodiny.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u017divot na dluh \u2013 nezbytnost nebo p\u0159epych?","item":"https:\/\/www.chiki.cz\/zivot-na-dluh-nezbytnost-nebo-prepych\/#breadcrumbitem"}]}]