[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sanvita.cz\/financni-gramotnost\/#Article","mainEntityOfPage":"https:\/\/www.sanvita.cz\/financni-gramotnost\/","headline":"Finan\u010dn\u00ed gramotnost","name":"Finan\u010dn\u00ed gramotnost","description":"Ve sv\u011bt\u011b financ\u00ed b\u00fdv\u00e1 \u010dasto velice n\u00e1ro\u010dn\u00e9 se vyznat. Pokud zrovna nem\u00e1me ekonomick\u00e9 zam\u011b\u0159en\u00ed nebo se p\u0159\u00edmo t\u00e9to oblasti n\u011bjak…","datePublished":"2019-01-11","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.sanvita.cz\/author\/#Person","name":"","url":"https:\/\/www.sanvita.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/80bc9a30a8183589d38927f3b57d5a9aa763777ca2942415b346d54d020a9840?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/80bc9a30a8183589d38927f3b57d5a9aa763777ca2942415b346d54d020a9840?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sanvita.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sanvita.cz\/wp-content\/uploads\/img_a335220_w2539_t1548610728.jpg","url":"https:\/\/www.sanvita.cz\/wp-content\/uploads\/img_a335220_w2539_t1548610728.jpg","height":0,"width":0},"url":"https:\/\/www.sanvita.cz\/financni-gramotnost\/","about":["Finance"],"wordCount":444,"articleBody":"Ve sv\u011bt\u011b financ\u00ed b\u00fdv\u00e1 \u010dasto velice n\u00e1ro\u010dn\u00e9 se vyznat. Pokud zrovna nem\u00e1me ekonomick\u00e9 zam\u011b\u0159en\u00ed nebo se p\u0159\u00edmo t\u00e9to oblasti n\u011bjak aktivn\u011b nev\u011bnujeme. V\u00a0takov\u00e9m p\u0159\u00edpad\u011b m\u00e1me ur\u010ditou v\u00fdhodu, kter\u00e1 n\u00e1m pom\u00e1h\u00e1 vyhnout se p\u0159\u00edpadn\u00fdm past\u00edm. Pro ty ostatn\u00ed, kte\u0159\u00ed nemaj\u00ed vysoko\u0161kolsk\u00e9 vzd\u011bl\u00e1n\u00ed nebo maj\u00ed v\u00fdu\u010dn\u00ed list a s\u00a0touto oblast\u00ed se p\u0159\u00edmo nesetkali to m\u016f\u017ee b\u00fdt k\u00e1men \u00farazu.Vzd\u011bl\u00e1vac\u00ed program se u\u017e sna\u017e\u00ed za\u010dlenit do osnov vzd\u011bl\u00e1v\u00e1n\u00ed i finance jen\u017ee to je\u0161t\u011b n\u011bjakou dobu potrv\u00e1 a mezit\u00edm se najde mnoho zbloudil\u00fdch du\u0161\u00ed, kter\u00e9 uv\u00edznou v\u00a0dluhov\u00fdch past\u00ed. Jak se tedy v\u00a0nep\u0159ebern\u00e9m mno\u017estv\u00ed p\u016fj\u010dek vyznat.Pokud se zam\u011b\u0159\u00edme na osobn\u00ed p\u016fj\u010dky, tedy p\u016fj\u010dky pro jednotlivce budeme mluvit o spot\u0159ebitelsk\u00e9m \u00fav\u011bru. Ten je dostupn\u00fd ka\u017ed\u00e9mu ob\u010danovi, kter\u00e1 samoz\u0159ejm\u011b spln\u00ed n\u00e1le\u017eit\u00e9 podm\u00ednky, proto aby si mohl dovolit \u00fav\u011br spl\u00e1cet. Jak tedy z\u00e1kladn\u00ed \u00fav\u011bry rozd\u011blit?Asi nejzn\u00e1m\u011bj\u0161\u00ed \u010dlen\u011bn\u00ed je podle \u00fa\u010delu:\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00da\u010delov\u00fd\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Bez\u00fa\u010delov\u00fd \u00fav\u011brTyto dva typy m\u016f\u017eou zn\u00edt jednodu\u0161e, ale je mezi nimi opravdu velk\u00fd rozd\u00edl. Zat\u00edmco jedna skupina spad\u00e1 do oblasti bezpe\u010dn\u011bj\u0161\u00edch a levn\u011bj\u0161\u00edch \u00fav\u011br\u016f, ta druh\u00e1 je mnohem rizikov\u011bj\u0161\u00ed a dra\u017e\u0161\u00ed.Prvn\u00ed skupina \u00fa\u010delov\u00fdch \u00fav\u011br\u016f je asi nejv\u00edce pou\u017e\u00edvanou. Setk\u00e1me se s\u00a0n\u00ed nap\u0159\u00edklad u hypot\u00e9ky, nebo stavebn\u00edho spo\u0159en\u00ed. Zde m\u016f\u017eeme z\u00edskat p\u016fj\u010dku na bydlen\u00ed, kter\u00e1 je samoz\u0159ejm\u011b n\u00e1le\u017eit\u011b zv\u00fdhodn\u011bn\u00e1 a cenov\u011b upravena. M\u016f\u017ee to b\u00fdt st\u00e1tn\u00ed podporu rodin a v\u00fdstavby nov\u00fdch dom\u016f nebo tak\u00e9 \u00fav\u011bru ze stavebn\u00edho spo\u0159en\u00ed.Zde je t\u0159eba si v\u0161imnout, \u017ee oba \u00fav\u011bry vyu\u017e\u00edv\u00e1me na jeden a ten sam\u00fd \u00fa\u010del, a to je bydlen\u00ed. Proto tak\u00e9 \u00fa\u010delov\u00fd. Z\u00edskan\u00e9 pen\u00edze tak lze z\u00edskat pouze na ur\u010ditou \u010dinnost, kter\u00e1 je bankou p\u0159edem schv\u00e1lena. V\u00a0p\u0159\u00edpad\u011b, \u017ee by se p\u0159i\u0161lo na to, \u017ee pen\u00edze vyu\u017e\u00edv\u00e1me na jin\u00fd \u00fa\u010del mohli bychom tak\u00e9 o v\u0161echny finance p\u0159ij\u00edt.Zde jsou tak\u00e9 nastaven\u00e1 ur\u010dit\u00e1 pravidla, jak si banka sv\u00e9 klienty ov\u011b\u0159uje:\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ocen\u011bn\u00ed nemovitosti vlastn\u00edka nebo ru\u010ditele\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u00fdpis z\u00a0registru dlu\u017en\u00edk\u016f\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Dolo\u017een\u00ed stabiln\u00edho a pravideln\u00e9ho p\u0159\u00edjmu                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00ed gramotnost","item":"https:\/\/www.sanvita.cz\/financni-gramotnost\/#breadcrumbitem"}]}]