{"id":201550,"date":"2023-07-06T20:37:14","date_gmt":"2023-07-06T18:37:14","guid":{"rendered":"https:\/\/atena.sk\/blog\/prudky-narust-urokovych-sazeb-v-eu-co-muzeme-udelat-abychom-si-zachovali-zivotni-styl\/"},"modified":"2023-07-06T20:41:43","modified_gmt":"2023-07-06T18:41:43","slug":"prudky-narust-urokovych-sazeb-v-eu-co-muzeme-udelat-abychom-si-zachovali-zivotni-styl","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/cs\/prudky-narust-urokovych-sazeb-v-eu-co-muzeme-udelat-abychom-si-zachovali-zivotni-styl\/","title":{"rendered":"Prudk\u00fd n\u00e1r\u016fst \u00farokov\u00fdch sazeb v EU – co m\u016f\u017eeme ud\u011blat, abychom si zachovali \u017eivotn\u00ed styl?"},"content":{"rendered":"\n

\u00darokov\u00e9 sazby mohou v\u00fdrazn\u011b ovlivnit n\u00e1\u0161 \u017eivot. V posledn\u00ed dob\u011b se v Evropsk\u00e9 unii (EU) zv\u00fd\u0161ily \u00farokov\u00e9 sazby, co\u017e m\u011blo zna\u010dn\u00fd dopad na lidi zat\u00ed\u017een\u00e9 dluhy.<\/p>\n\n

S rostouc\u00edmi \u00farokov\u00fdmi sazbami se zadlu\u017een\u00ed jednotlivci pot\u00fdkaj\u00ed se zv\u00fd\u0161en\u00fdmi n\u00e1klady na obsluhu dluhu. Vznik\u00e1 v\u0161ak v\u00fdznamn\u00fd probl\u00e9m, proto\u017ee mzdy a platy nerostou stejn\u00fdm tempem. Tento nepom\u011br znamen\u00e1, \u017ee dluhov\u00e9 b\u0159emeno je relativn\u011b vy\u0161\u0161\u00ed, co\u017e sni\u017euje kupn\u00ed s\u00edlu st\u0159edn\u00ed ekonomick\u00e9 t\u0159\u00eddy. Vzhledem k tomu, \u017ee v\u011bt\u0161\u00ed \u010d\u00e1st p\u0159\u00edjm\u016f je pou\u017eita na spl\u00e1cen\u00ed dluh\u016f, maj\u00ed jednotlivci k dispozici m\u00e9n\u011b pen\u011bz na b\u011b\u017en\u00e9 v\u00fddaje nebo \u00faspory. To vede ke sn\u00ed\u017een\u00ed \u017eivotn\u00ed \u00farovn\u011b.<\/p>\n\n\n\n

Jak\u00fd je bezprost\u0159edn\u00ed d\u016fsledek zv\u00fd\u0161en\u00ed \u00farokov\u00fdch sazeb?<\/h2>\n\n

S rostouc\u00edmi \u00farokov\u00fdmi sazbami je pro dlu\u017en\u00edky mnohem obt\u00ed\u017en\u011bj\u0161\u00ed spl\u00e1cet m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky, co\u017e m\u016f\u017ee v\u00e9st k nespl\u00e1cen\u00ed, opo\u017ed\u011bn\u00fdm spl\u00e1tk\u00e1m nebo prodlen\u00ed. Tato situace m\u016f\u017ee m\u00edt z\u00e1va\u017en\u00e9 d\u016fsledky, v\u010detn\u011b po\u0161kozen\u00ed \u00fav\u011brov\u00e9ho sk\u00f3re a hromad\u011bn\u00ed sankc\u00ed a poplatk\u016f. Vznikl\u00e1 spir\u00e1la m\u016f\u017ee nakonec vy\u00fastit v za\u010darovan\u00fd kruh finan\u010dn\u00edch probl\u00e9m\u016f a omezit mo\u017enosti ekonomick\u00e9 mobility.<\/p>\n\n

P\u0159\u00edjmov\u00e1 nerovnost<\/h2>\n\n

Rostouc\u00ed \u00farokov\u00e9 sazby mohou prohloubit p\u0159\u00edjmovou nerovnost ve spole\u010dnosti. Lid\u00e9 s vy\u0161\u0161\u00edmi p\u0159\u00edjmy se l\u00e9pe vyrovn\u00e1vaj\u00ed s dopadem zv\u00fd\u0161en\u00fdch n\u00e1klad\u016f na obsluhu dluhu, zat\u00edmco lid\u00e9 s ni\u017e\u0161\u00edmi p\u0159\u00edjmy \u010del\u00ed v\u011bt\u0161\u00edm probl\u00e9m\u016fm. Tato nerovnost p\u0159isp\u00edv\u00e1 k prohlubov\u00e1n\u00ed rozd\u00edl\u016f v bohatstv\u00ed a m\u016f\u017ee v\u00e9st k r\u016fstu t\u0159\u00eddn\u00edch rozd\u00edl\u016f. Zejm\u00e9na st\u0159edn\u00ed t\u0159\u00edda se \u010dasto ocit\u00e1 mezi rostouc\u00edmi \u00farokov\u00fdmi sazbami a omezen\u00fdm r\u016fstem p\u0159\u00edjm\u016f a \u010del\u00ed riziku propadu do ni\u017e\u0161\u00ed socioekonomick\u00e9 vrstvy.<\/p>\n\n

Kombinace sn\u00ed\u017een\u00e9 kupn\u00ed s\u00edly, finan\u010dn\u00edch pot\u00ed\u017e\u00ed a p\u0159\u00edjmov\u00e9 nerovnosti m\u016f\u017ee zna\u010dn\u00fd po\u010det osob p\u0159ibl\u00ed\u017eit hranici chudoby nebo dostat pod ni. St\u00e1le v\u00edce lid\u00ed se sna\u017e\u00ed vyj\u00edt s pen\u011bzi, a proto je riziko chudoby st\u00e1le \u010dast\u011bj\u0161\u00ed. Rostouc\u00ed \u00farokov\u00e9 sazby mohou tak\u00e9 p\u0159isp\u011bt k tomu, \u017ee se jednotlivci a rodiny dostanou do chudoby. Tato situace m\u016f\u017ee m\u00edt dalekos\u00e1hl\u00e9 spole\u010densk\u00e9 d\u016fsledky a d\u00e1le zat\u011b\u017eovat syst\u00e9my soci\u00e1ln\u00ed podpory.<\/p>\n\n

Jak \u0161patn\u00e1 je situace?<\/h2>\n\n

V n\u00e1sleduj\u00edc\u00edch grafech vid\u00edme \u00farokov\u00e9 sazby stanoven\u00e9 ECB(Evropskou centr\u00e1ln\u00ed bank<\/em>ou) za posledn\u00ed t\u0159i roky. N\u011bkolik procent se nemus\u00ed zd\u00e1t tak hrozn\u00e9. Kdy\u017e se v\u0161ak na v\u0161e pod\u00edv\u00e1te z nadhledu, zjist\u00edte, \u017ee zm\u011bny jsou ohromuj\u00edc\u00ed.<\/p>\n\n

Krajina<\/td>\u00darokov\u00e9 sazby ECB od kv\u011btna 2020 do kv\u011btna 2023<\/td>Minim\u00e1ln\u00ed sazba<\/td>Maxim\u00e1ln\u00ed rychlost<\/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

Vezm\u011bme si nap\u0159\u00edklad \u010ceskou republiku. Zhruba p\u0159ed t\u0159emi lety zde byla \u00farokov\u00e1 sazba 0,86 %<\/strong>. Pokud by si n\u011bkdo vzal hypot\u00e9ku na 100 000 eur na 30 let, jeho m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka by \u010dinila p\u0159ibli\u017en\u011b 315 eur<\/strong>. Vzhledem k tomu, \u017ee minim\u00e1ln\u00ed mzda v t\u00e9to zemi \u010din\u00ed zhruba 678 eur, m\u016f\u017ee si hypot\u00e9ku dovolit t\u00e9m\u011b\u0159 ka\u017ed\u00e1 dvou\u010dlenn\u00e1 rodina. P\u0159i nejvy\u0161\u0161\u00ed \u00farokov\u00e9 sazb\u011b by v\u0161ak stejn\u00e1 hypot\u00e9ka st\u00e1la nejm\u00e9n\u011b 543<\/strong> EUR. To je v\u00edce ne\u017e 70 %<\/strong> – a to p\u0159i stejn\u00e9 v\u00fd\u0161i p\u016fj\u010den\u00fdch pen\u011bz! V Ma\u010farsku je situace je\u0161t\u011b mnohem hor\u0161\u00ed. Pokud byste si zde p\u016fj\u010dili stejnou \u010d\u00e1stku, va\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka by \u010dinila p\u0159ibli\u017en\u011b 896 EUR<\/strong>.<\/p>\n\n

Jak mohou lid\u00e9 tento probl\u00e9m \u0159e\u0161it?<\/h2>\n\n

Pokud nejste milion\u00e1\u0159i, 200 a\u017e 600 eur p\u0159idan\u00fdch k va\u0161im m\u011bs\u00ed\u010dn\u00edm v\u00fddaj\u016fm bude m\u00edt jist\u011b v\u00fdznam. N\u011bkte\u0159\u00ed lid\u00e9 mo\u017en\u00e1 ani nebudou schopni spl\u00e1cet. Jak to m\u016f\u017eeme vy\u0159e\u0161it?<\/p>\n\n

    \n
  1. Utr\u00e1cejte m\u00e9n\u011b<\/strong>: Pod\u00edvejte se pozorn\u011b na sv\u016fj rozpo\u010det a zjist\u011bte, kde m\u016f\u017eete sn\u00ed\u017eit v\u00fddaje. Zam\u011b\u0159\u00edte-li se na z\u00e1kladn\u00ed v\u011bci, m\u016f\u017eete uvolnit v\u00edce prost\u0159edk\u016f na pokryt\u00ed vy\u0161\u0161\u00edch spl\u00e1tek hypot\u00e9ky. Hledejte zp\u016fsoby, jak u\u0161et\u0159it na m\u00e9di\u00edch, j\u00eddle, z\u00e1bav\u011b a dal\u0161\u00edch nepot\u0159ebn\u00fdch v\u011bcech.<\/li>\n\n\n\n
  2. Sn\u00ed\u017een\u00ed v\u00fddaj\u016f<\/strong>: pokud je koupen\u00e1 nemovitost relativn\u011b velk\u00e1 a v dobr\u00e9m stavu, m\u016f\u017eete ji pronajmout a z\u00e1rove\u0148 si pronajmout levn\u011bj\u0161\u00ed bydlen\u00ed. To v\u0161ak funguje pouze v p\u0159\u00edpad\u011b, \u017ee je mezi n\u00e1klady na pron\u00e1jem obou nemovitost\u00ed v\u00fdrazn\u00fd rozd\u00edl.<\/li>\n\n\n\n
  3. Pod\u00edvejte se na programy finan\u010dn\u00ed pomoci<\/strong>: v p\u0159\u00edpad\u011b rychl\u00e9ho r\u016fstu cen n\u011bkdy existuj\u00ed vl\u00e1dn\u00ed opat\u0159en\u00ed na pomoc lidem, kte\u0159\u00ed ji\u017e nemohou spl\u00e1cet sv\u00e9 dluhy. Tyto programy mohou poskytnout do\u010dasnou \u00falevu nebo pomoc p\u0159i spl\u00e1cen\u00ed hypot\u00e9ky v obdob\u00ed finan\u010dn\u00edch pot\u00ed\u017e\u00ed.<\/li>\n<\/ol>\n\n

    Existuje lep\u0161\u00ed zp\u016fsob?<\/h2>\n\n

    I kdy\u017e va\u0161e m\u011bs\u00ed\u010dn\u00ed v\u00fddaje prudce vzrostou, st\u00e1le existuje zp\u016fsob, jak si zachovat \u017eivotn\u00ed styl. Sta\u010d\u00ed jen v\u00edce vyd\u011bl\u00e1vat<\/strong>. A proto\u017ee za kr\u00e1tkou dobu nem\u016f\u017eete z\u00edskat lep\u0161\u00ed vzd\u011bl\u00e1n\u00ed ani mnoho zku\u0161enost\u00ed, je nejlep\u0161\u00ed hledat pr\u00e1ci v zemi, kde jsou vy\u0161\u0161\u00ed platy. Na druhou stranu se to sn\u00e1ze \u0159ekne, ne\u017e ud\u011bl\u00e1. Ne ka\u017ed\u00fd si m\u016f\u017ee sbalit kufr, zaplatit si cestu daleko, zaplatit n\u00e1jem a \u017eivit se s\u00e1m, dokud si nenajde pr\u00e1ci a nedostane zaplaceno.<\/p>\n\n

    Ale i kdy\u017e si nem\u016f\u017eete dovolit v\u0161echny v\u011bci, kter\u00e9 jsme zm\u00ednili, Atena <\/a>v\u00e1m m\u016f\u017ee pomoci! Najdeme v\u00e1m pr\u00e1ci<\/strong>, zaplat\u00edme v\u00e1m cestu<\/strong> dop\u0159edu a vybereme pozici. <\/em>s bezpe\u010dn\u00fdm ubytov\u00e1n\u00edm<\/strong>! Atena <\/a>v\u00e1m tak\u00e9 pom\u016f\u017ee s vy\u0159\u00edzen\u00edm v\u0161ech pot\u0159ebn\u00fdch dokument\u016f a bude v\u00e1m k dispozici kdykoli b\u011bhem va\u0161eho pobytu v zahrani\u010d\u00ed. A nejlep\u0161\u00ed na tom je, \u017ee kdy\u017e odjedete, m\u016f\u017eete svou nemovitost doma pronaj\u00edmat – n\u011bkdo jin\u00fd bude platit va\u0161i hypot\u00e9ku, zat\u00edmco vy si vyd\u011bl\u00e1te dvakr\u00e1t a\u017e t\u0159ikr\u00e1t v\u00edce ne\u017e doma.<\/p>\n\n

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

    \u00darokov\u00e9 sazby, stejn\u011b jako ceny mnoha dal\u0161\u00edch v\u011bc\u00ed, vzrostly. Va\u0161e hypot\u00e9ka m\u016f\u017ee b\u00fdt nyn\u00ed dvakr\u00e1t dra\u017e\u0161\u00ed. A i kdy\u017e to zn\u00ed nemo\u017en\u011b, existuje zp\u016fsob, jak ji splatit a p\u0159itom si zachovat \u017eivotn\u00ed styl.<\/p>\n","protected":false},"author":20,"featured_media":201509,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[220],"tags":[],"acf":{"facebookpost":"V d\u016fsledku ned\u00e1vn\u00fdch ud\u00e1lost\u00ed ceny mnoha v\u011bc\u00ed prudce vzrostly. \u00darokov\u00e9 sazby se rovn\u011b\u017e zv\u00fd\u0161ily ????. V n\u011bkter\u00fdch zem\u00edch stoj\u00ed hypot\u00e9ka, kter\u00e1 d\u0159\u00edve st\u00e1la 400 eur m\u011bs\u00ed\u010dn\u011b, nyn\u00ed v\u00edce ne\u017e 900 eur! Jak si m\u016f\u017eete dovolit spl\u00e1cet? Existuje zp\u016fsob, jak si zachovat sv\u016fj \u017eivotn\u00ed styl? Zjist\u011bte to zde. ","popis_socialneho_obrazku":"Jak b\u00fdt st\u00e1le schopen spl\u00e1cet hypot\u00e9ku?"},"yoast_head":"\nPrudk\u00fd n\u00e1r\u016fst \u00farokov\u00fdch sazeb v EU - co m\u016f\u017eeme ud\u011blat, abychom si zachovali \u017eivotn\u00ed styl? - Atena blog<\/title>\n<meta name=\"description\" content=\"\u00darokov\u00e9 sazby v cel\u00e9 EU rostou. 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