{"id":201557,"date":"2023-07-06T20:37:14","date_gmt":"2023-07-06T18:37:14","guid":{"rendered":"https:\/\/atena.sk\/blog\/povecanje-kamatnih-stopa-u-eu-sta-mozemo-uciniti-da-sacuvamo-svoj-zivotni-stil\/"},"modified":"2023-07-06T20:43:13","modified_gmt":"2023-07-06T18:43:13","slug":"povecanje-kamatnih-stopa-u-eu-sta-mozemo-uciniti-da-sacuvamo-svoj-zivotni-stil","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/bs\/povecanje-kamatnih-stopa-u-eu-sta-mozemo-uciniti-da-sacuvamo-svoj-zivotni-stil\/","title":{"rendered":"Pove\u0107anje kamatnih stopa u EU \u2013 \u0161ta mo\u017eemo u\u010diniti da sa\u010duvamo svoj \u017eivotni stil?"},"content":{"rendered":"\n

Kamatne stope mogu zna\u010dajno uticati na na\u0161e \u017eivote. Nedavno su u Evropskoj uniji (EU) porasle kamatne stope, \u0161to zna\u010dajno uti\u010de na ljude optere\u0107ene dugovima.<\/p>\n\n

Kako kamatne stope rastu, zadu\u017eeni pojedinci se suo\u010davaju sa izazovom pove\u0107anih tro\u0161kova servisiranja duga. Me\u0111utim, javlja se zna\u010dajan problem jer plate i plate ne rastu istom brzinom. Ovaj disparitet zna\u010di da teret duga postaje relativno ve\u0107i, smanjuju\u0107i kupovnu mo\u0107 srednje ekonomske klase. Budu\u0107i da je ve\u0107i dio prihoda namijenjen za otplatu dugova, pojedincima je na raspolaganju manje novca za svakodnevne tro\u0161kove ili \u0161tednju. To dovodi do ni\u017eeg \u017eivotnog standarda.<\/p>\n\n\n\n

Koja je neposredna posljedica pove\u0107anja kamatnih stopa?<\/h2>\n\n

Kako kamatne stope rastu, zajmoprimcima je mnogo te\u017ee izvr\u0161iti mjese\u010dna pla\u0107anja, \u0161to mo\u017ee dovesti do ka\u0161njenja u pla\u0107anju, ka\u0161njenja u pla\u0107anju ili ka\u0161njenja. Ova situacija mo\u017ee imati ozbiljne posljedice, uklju\u010duju\u0107i o\u0161te\u0107eni kreditni rezultat i gomilanje kazni i naknada. Rezultiraju\u0107a silazna spirala mo\u017ee na kraju rezultirati za\u010daranim krugom finansijskih problema i ograni\u010diti mogu\u0107nosti za ekonomsku mobilnost.<\/p>\n\n

Nejednakost prihoda<\/h2>\n\n

Rastu\u0107e kamatne stope mogu pogor\u0161ati nejednakost prihoda u dru\u0161tvu. Ljudi sa vi\u0161im primanjima bolje se nose sa uticajem pove\u0107anih tro\u0161kova servisiranja duga, dok se oni sa ni\u017eim primanjima suo\u010davaju sa zna\u010dajnijim problemima. Ova nejednakost doprinosi pove\u0107anju jaza u bogatstvu i mo\u017ee dovesti do rastu\u0107ih klasnih razlika. Naro\u010dito je srednja klasa \u010desto uhva\u0107ena izme\u0111u rastu\u0107ih kamatnih stopa i ograni\u010denog rasta prihoda i suo\u010dava se s rizikom pada u ni\u017ee socio-ekonomske slojeve.<\/p>\n\n

Kombinacija smanjene kupovne mo\u0107i, finansijskih pote\u0161ko\u0107a i nejednakosti prihoda mo\u017ee zna\u010dajan broj pojedinaca gurnuti bli\u017ee ili ispod granice siroma\u0161tva. Kako se sve vi\u0161e ljudi bori da sastavi kraj s krajem, rizik od siroma\u0161tva postaje sve \u010de\u0161\u0107i. Rastu\u0107e kamatne stope tako\u0111e mo\u017ee doprineti guranju pojedinaca i porodica u siroma\u0161tvo. Ova situacija mo\u017ee imati dalekose\u017ene dru\u0161tvene posljedice i uzrokovati dodatno optere\u0107enje za sisteme socijalne podr\u0161ke.<\/p>\n\n

Koliko je lo\u0161a situacija?<\/h2>\n\n

Na sljede\u0107im grafikonima mo\u017eemo vidjeti kamatne stope koje je odredila ECB ( Evropska centralna banka<\/em> ) za posljednje tri godine. Nekoliko procenata mo\u017eda i ne izgleda tako stra\u0161no. Ali kada sve spojimo, promjene su zapanjuju\u0107e.<\/p>\n\n

Dr\u017eava<\/td>Kamatne stope prema ECB-u od maja 2020. do maja 2023. godine<\/td>Minimalna stopa<\/td>Maksimalna stopa<\/td><\/tr>
\"SK<\/td>\"SK<\/td>-0,52%<\/td>3,66%<\/td><\/tr>
\"CZ<\/td>\"CZrates\"<\/td>0,86%<\/td>5,11%<\/td><\/tr>
\"HU<\/td>\"HUrates\"<\/td>1,99%<\/td>10,25%<\/td><\/tr>
\"RO<\/td>\"ROrates\"<\/td>2,65%<\/td>9,26%<\/td><\/tr>
\"BG<\/td>\"BGrates\"<\/td>0,14%<\/td>4,21%<\/td><\/tr>
\"LT<\/td>\"LTrates\"<\/td>0,16%<\/td>2,88%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n

Uzmimo za primjer \u010ce\u0161ku. Tamo je prije otprilike tri godine kamatna stopa iznosila 0,86%<\/strong> . Ako bi neko uzeo hipoteku od 100.000 \u20ac na 30 godina, njegova mjese\u010dna uplata bi bila oko 315<\/strong> \u20ac. S obzirom da je minimalna plata tamo otprilike 678 eura, skoro svaka porodica u kojoj rade dvoje ljudi mogla bi sebi priu\u0161titi hipoteku. Me\u0111utim, uz najvi\u0161u kamatnu stopu, ista hipoteka ko\u0161tala bi najmanje 543<\/strong> \u20ac. \u0160to je vi\u0161e od 70%<\/strong> – za isti iznos posu\u0111enog novca! U Ma\u0111arskoj je situacija jo\u0161 mnogo gora. Ako biste tamo posudili isti iznos, va\u0161a mjese\u010dna uplata bi bila oko 896<\/strong> \u20ac.<\/p>\n\n

Kako ljudi mogu rije\u0161iti ovaj problem?<\/h2>\n\n

Osim ako niste milioner, dodavanje od 200 do 600 eura va\u0161im tro\u0161kovima svakog mjeseca \u0107e sigurno napraviti razliku. Neki ljudi mo\u017eda ne\u0107e ni mo\u0107i da otplate. Kako to mo\u017eemo rije\u0161iti?<\/p>\n\n

    \n
  1. Potro\u0161ite manje<\/strong> : pa\u017eljivo pogledajte svoj bud\u017eet i odredite podru\u010dja u kojima mo\u017eete smanjiti potro\u0161nju. Fokusiraju\u0107i se na osnovne stvari, mo\u017eete osloboditi vi\u0161e sredstava za pokrivanje pove\u0107anih pla\u0107anja hipoteke. Potra\u017eite na\u010dine da u\u0161tedite na medijima, hrani, zabavi i drugim stvarima koje nisu neophodne.<\/li>\n\n\n\n
  2. Smanjite svoje tro\u0161kove<\/strong> : Ako je nekretnina koju ste kupili relativno velika i u dobrom stanju, mo\u017eete je iznajmiti, a istovremeno mo\u017eete iznajmiti jeftinije mjesto za \u017eivot. Me\u0111utim, ovo funkcionira samo ako postoji zna\u010dajna razlika izme\u0111u tro\u0161kova najma ove dvije nekretnine.<\/li>\n\n\n\n
  3. Potra\u017eite programe finansijske pomo\u0107i<\/strong> : U slu\u010daju naglog rasta cijena, ponekad postoje vladine politike koje poma\u017eu ljudima koji vi\u0161e ne mogu pla\u0107ati svoje dugove. Ovi programi mogu pru\u017eiti privremeno olak\u0161anje ili pomo\u0107 u otplati hipoteke tokom perioda finansijskih pote\u0161ko\u0107a.<\/li>\n<\/ol>\n\n

    Postoji li bolji na\u010din?<\/h2>\n\n

    \u010cak i ako va\u0161i mjese\u010dni tro\u0161kovi naglo rastu, jo\u0161 uvijek postoji na\u010din da zadr\u017eite svoj \u017eivotni stil. Dovoljno je ako zara\u0111ujete vi\u0161e<\/strong> . A kako se bolje obrazovanje ili puno iskustva ne mo\u017ee ste\u0107i za kratko vrijeme, najbolji na\u010din je potra\u017eiti posao u zemlji u kojoj su plate ve\u0107e. S druge strane, to je lak\u0161e re\u0107i nego u\u010diniti. Ne mo\u017ee svako samo spakovati kofer, platiti put daleko, platiti stanarinu i izdr\u017eavati se dok na\u0111u posao i budu pla\u0107eni.<\/p>\n\n

    Ali \u010dak i ako ne mo\u017eete priu\u0161titi sve stvari koje smo spomenuli, Atena<\/a> vam mo\u017ee pomo\u0107i! Na\u0107i \u0107emo vam posao<\/strong> , platiti put<\/strong> unaprijed i izabrati poziciju <\/em>sa osiguranim smje\u0161tajem<\/strong> ! Atena<\/a> \u0107e vam pomo\u0107i i sa svim potrebnim dokumentima i bi\u0107e vam na raspolaganju u svakom trenutku tokom va\u0161eg boravka u inostranstvu. A najbolje je to \u0161to kada odete, svoju nekretninu mo\u017eete iznajmiti kod ku\u0107e \u2013 neko drugi \u0107e vam platiti hipoteku dok vi zara\u0111ujete dva do tri puta vi\u0161e od onoga \u0161to mo\u017eete zaraditi kod ku\u0107e.<\/p>\n\n

    <\/p>\n","protected":false},"excerpt":{"rendered":"

    Kamate su, kao i cijene mnogih drugih stvari, porasle. Va\u0161a hipoteka bi sada mogla biti duplo skuplja. I koliko god zvu\u010dalo nemogu\u0107e, postoji na\u010din na koji mo\u017eete platiti, a da pritom zadr\u017eite svoj \u017eivotni stil.<\/p>\n","protected":false},"author":20,"featured_media":201505,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[416],"tags":[],"acf":{"facebookpost":"Kao rezultat nedavnih doga\u0111aja, cijene mnogih stvari su naglo porasle. Kamate su tako\u0111er porasle ???. U nekim zemljama hipoteka koja je nekada ko\u0161tala 400 evra mese\u010dno sada ko\u0161ta vi\u0161e od 900 evra! Kako jo\u0161 uvijek mo\u017eete priu\u0161titi pla\u0107anje? Postoji li na\u010din da zadr\u017eite svoj \u017eivotni stil? Saznajte ovdje. ","popis_socialneho_obrazku":"Kako i dalje mo\u0107i otplatiti hipoteku?"},"yoast_head":"\nPove\u0107anje kamatnih stopa u EU \u2013 \u0161ta mo\u017eemo u\u010diniti da sa\u010duvamo svoj \u017eivotni stil? - Atena blog<\/title>\n<meta name=\"description\" content=\"Kamatne stope \u0161irom EU rastu. 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