{"id":201016,"date":"2023-07-06T20:37:14","date_gmt":"2023-07-06T18:37:14","guid":{"rendered":"https:\/\/atena.sk\/blog\/?p=201016"},"modified":"2023-07-06T20:37:28","modified_gmt":"2023-07-06T18:37:28","slug":"prudky-narast-urokovych-sadzieb-v-eu-co-mozeme-urobit-aby-sme-si-zachovali-svoj-zivotny-styl","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/prudky-narast-urokovych-sadzieb-v-eu-co-mozeme-urobit-aby-sme-si-zachovali-svoj-zivotny-styl\/","title":{"rendered":"Prudk\u00fd n\u00e1rast \u00farokov\u00fdch sadzieb v E\u00da – \u010do m\u00f4\u017eeme urobi\u0165, aby sme si zachovali svoj \u017eivotn\u00fd \u0161t\u00fdl?"},"content":{"rendered":"\n

\u00darokov\u00e9 sadzby m\u00f4\u017eu v\u00fdrazne ovplyvni\u0165 n\u00e1\u0161 \u017eivot. V poslednom obdob\u00ed sa v Eur\u00f3pskej \u00fanii (E\u00da) zv\u00fd\u0161ili \u00farokov\u00e9 sadzby, \u010do m\u00e1 v\u00fdznamn\u00fd vplyv na \u013eud\u00ed za\u0165a\u017een\u00fdch dlhmi.<\/p>\n\n\n\n

Ke\u010f\u017ee \u00farokov\u00e9 sadzby rast\u00fa, zadl\u017een\u00e9 osoby \u010delia v\u00fdzve zv\u00fd\u0161en\u00fdch n\u00e1kladov na obsluhu dlhu. Vznik\u00e1 v\u0161ak v\u00fdznamn\u00fd probl\u00e9m, ke\u010f\u017ee mzdy a platy nerast\u00fa rovnak\u00fdm tempom. Tento nepomer znamen\u00e1, \u017ee bremeno dlhov sa st\u00e1va relat\u00edvne \u0165a\u017e\u0161\u00edm, \u010d\u00edm sa zni\u017euje k\u00fapna sila strednej ekonomickej triedy. Ke\u010f\u017ee v\u00e4\u010d\u0161ia \u010das\u0165 pr\u00edjmov je ur\u010den\u00e1 na spl\u00e1canie dlhov, jednotlivci maj\u00fa k dispoz\u00edcii menej pe\u0148az\u00ed na ka\u017edodenn\u00e9 v\u00fddavky, \u010di \u00faspory. To vedie k ni\u017e\u0161ej \u017eivotnej \u00farovni.<\/p>\n\n\n\n\n\n\n\n

\u010co je bezprostredn\u00fdm d\u00f4sledkom zv\u00fd\u0161enia \u00farokov\u00fdch sadzieb?<\/h2>\n\n\n\n

So zvy\u0161ovan\u00edm \u00farokov\u00fdch sadzieb dl\u017en\u00edci platia mesa\u010dn\u00e9 spl\u00e1tky ove\u013ea \u0165a\u017e\u0161ie, \u010do m\u00f4\u017ee vies\u0165 k nespl\u00e1caniu, oneskoren\u00fdm spl\u00e1tkam alebo nesplnen\u00fdm z\u00e1v\u00e4zkom. T\u00e1to situ\u00e1cia m\u00f4\u017ee ma\u0165 z\u00e1va\u017en\u00e9 d\u00f4sledky, vr\u00e1tane po\u0161koden\u00e9ho kreditn\u00e9ho sk\u00f3re a hromadiacich sa pok\u00fat a poplatkov. Vznikaj\u00faca zostupn\u00e1 \u0161pir\u00e1la m\u00f4\u017ee v kone\u010dnom d\u00f4sledku vy\u00fasti\u0165 do za\u010darovan\u00e9ho kruhu finan\u010dn\u00fdch probl\u00e9mov a obmedzi\u0165 mo\u017enosti ekonomickej mobility.<\/p>\n\n\n\n

Nerovnos\u0165 pr\u00edjmov<\/h2>\n\n\n\n

Rast\u00face \u00farokov\u00e9 sadzby m\u00f4\u017eu preh\u013abi\u0165 pr\u00edjmov\u00fa nerovnos\u0165 v spolo\u010dnosti. \u013dudia s vy\u0161\u0161\u00edm pr\u00edjmom lep\u0161ie zvl\u00e1daj\u00fa vplyv zv\u00fd\u0161en\u00fdch n\u00e1kladov na obsluhu dlhu, zatia\u013e \u010do t\u00ed s ni\u017e\u0161\u00edmi pr\u00edjmami \u010delia v\u00fdraznej\u0161\u00edm probl\u00e9mom. T\u00e1to nerovnos\u0165 prispieva k prehlbovaniu rozdielov v bohatstve a m\u00f4\u017ee vies\u0165 k rast\u00facim triednym rozdielom. Najm\u00e4 stredn\u00e1 trieda sa \u010dasto ocit\u00e1 medzi rast\u00facimi \u00farokov\u00fdmi sadzbami a obmedzen\u00fdm rastom pr\u00edjmov a \u010del\u00ed riziku, \u017ee sa dostane do ni\u017e\u0161ej soci\u00e1lno-ekonomickej vrstvy.<\/p>\n\n\n\n

Kombin\u00e1cia zn\u00ed\u017eenej k\u00fapnej sily, finan\u010dn\u00fdch \u0165a\u017ekost\u00ed a pr\u00edjmovej nerovnosti m\u00f4\u017ee posun\u00fa\u0165 zna\u010dn\u00fd po\u010det jednotlivcov bli\u017e\u0161ie k hranici chudoby alebo pod \u0148u. Ke\u010f\u017ee \u010doraz viac \u013eud\u00ed m\u00e1 probl\u00e9m vyjs\u0165 s peniazmi, riziko chudoby sa st\u00e1va \u010dastej\u0161\u00edm. K tomu, \u017ee sa jednotlivci a rodiny dostan\u00fa do chudoby, m\u00f4\u017eu prispie\u0165 aj rast\u00face \u00farokov\u00e9 sadzby. T\u00e1to situ\u00e1cia m\u00f4\u017ee ma\u0165 \u010falekosiahle spolo\u010densk\u00e9 d\u00f4sledky a sp\u00f4sobi\u0165 \u010fal\u0161ie za\u0165a\u017eenie syst\u00e9mov soci\u00e1lnej podpory.<\/p>\n\n\n\n

Ak\u00e1 zl\u00e1 je situ\u00e1cia?<\/h2>\n\n\n\n

V nasleduj\u00facich grafoch m\u00f4\u017eeme vidie\u0165 stanoven\u00e9 \u00farokov\u00e9 sadzby pod\u013ea ECB (Eur\u00f3pskej centr\u00e1lnej banky<\/em>) za posledn\u00e9 tri roky. Nieko\u013eko percent sa nemus\u00ed zda\u0165 by\u0165 a\u017e tak\u00fdch hrozn\u00fdch. Ak si v\u0161ak d\u00e1me v\u0161etko do s\u00favisu, zmeny s\u00fa ohromuj\u00face.<\/p>\n\n\n\n

Krajina<\/td>\u00darokov\u00e9 sadzby pod\u013ea ECB od m\u00e1ja 2020 do m\u00e1ja 2023<\/td>Minim\u00e1lna sadzba<\/td>Maxim\u00e1lna sadzba<\/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\n\n

Vezmime si napr\u00edklad \u010cesko. Pribli\u017ene pred tromi rokmi tam bola \u00farokov\u00e1 sadzba 0,86 %<\/strong>. Ak by si niekto zobral hypot\u00e9ku na 100 000 EUR na 30 rokov, jeho mesa\u010dn\u00e1 spl\u00e1tka by bola pribli\u017ene 315<\/strong> EUR. Ke\u010f\u017ee minim\u00e1lna mzda je tam zhruba 678 EUR, hypot\u00e9ku by si mohla dovoli\u0165 takmer ka\u017ed\u00e1 rodina, v ktorej pracuj\u00fa dvaja. Pri najvy\u0161\u0161ej \u00farokovej sadzbe by v\u0161ak t\u00e1 ist\u00e1 hypot\u00e9ka st\u00e1la najmenej 543<\/strong> EUR. \u010co predstavuje viac ako 70 %<\/strong> – a to za rovnak\u00fa sumu po\u017ei\u010dan\u00fdch pe\u0148az\u00ed! V Ma\u010farsku je situ\u00e1cia dokonca ove\u013ea hor\u0161ia. Ak by ste si tam po\u017ei\u010dali rovnak\u00fa sumu, va\u0161a mesa\u010dn\u00e1 spl\u00e1tka by bola pribli\u017ene 896<\/strong> EUR.<\/p>\n\n\n\n

Ako m\u00f4\u017eu \u013eudia tento probl\u00e9m rie\u0161i\u0165?<\/h2>\n\n\n\n

Ak nie ste milion\u00e1r, suma 200 a\u017e 600 EUR pridan\u00e1 k va\u0161im v\u00fddavkom ka\u017ed\u00fd mesiac ur\u010dite nie\u010do zmen\u00ed. Niektor\u00ed \u013eudia by dokonca nemuseli by\u0165 schopn\u00ed spl\u00e1ca\u0165. Ako to m\u00f4\u017eeme vyrie\u0161i\u0165?<\/p>\n\n\n\n

    \n
  1. M\u00ed\u0148a\u0165 menej<\/strong>: Pozorne sa pozrite na svoj rozpo\u010det a identifikujte oblasti, v ktor\u00fdch m\u00f4\u017eete zn\u00ed\u017ei\u0165 v\u00fddavky. Zameran\u00edm sa na z\u00e1kladn\u00e9 veci m\u00f4\u017eete uvo\u013eni\u0165 viac prostriedkov na pokrytie zv\u00fd\u0161en\u00fdch spl\u00e1tok hypot\u00e9ky. H\u013eadajte sp\u00f4soby, ako u\u0161etri\u0165 na m\u00e9di\u00e1ch, potravin\u00e1ch, z\u00e1bave a in\u00fdch nepodstatn\u00fdch polo\u017ek\u00e1ch.<\/li>\n\n\n\n
  2. Zn\u00ed\u017ete svoje v\u00fddavky<\/strong>: Ak je nehnute\u013enos\u0165, ktor\u00fa ste k\u00fapili, relat\u00edvne ve\u013ek\u00e1 a v dobrom stave, m\u00f4\u017eete ju da\u0165 do pren\u00e1jmu a z\u00e1rove\u0148 si m\u00f4\u017eete prenaja\u0165 lacnej\u0161ie miesto na b\u00fdvanie. To v\u0161ak funguje len vtedy, ak je medzi n\u00e1kladmi na pren\u00e1jom oboch nehnute\u013enost\u00ed zna\u010dn\u00fd rozdiel.<\/li>\n\n\n\n
  3. Vyh\u013eadajte programy finan\u010dnej pomoci<\/strong>: V pr\u00edpade r\u00fdchleho n\u00e1rastu cien niekedy existuj\u00fa vl\u00e1dne politiky umiestnen\u00e9 na pomoc \u013eu\u010fom, ktor\u00ed u\u017e nedok\u00e1\u017eu spl\u00e1ca\u0165 svoje z\u00e1v\u00e4zky. Tieto programy by mohli poskytn\u00fa\u0165 do\u010dasn\u00fa \u00fa\u013eavu alebo pomoc pri spl\u00e1can\u00ed hypot\u00e9ky po\u010das obdobia finan\u010dn\u00fdch \u0165a\u017ekost\u00ed.<\/li>\n<\/ol>\n\n\n\n

    Existuje lep\u0161\u00ed sp\u00f4sob?<\/h2>\n\n\n\n

    Aj ke\u010f va\u0161e mesa\u010dn\u00e9 v\u00fddavky prudko st\u00fapnu, st\u00e1le existuje sp\u00f4sob, ako si zachova\u0165 svoj \u017eivotn\u00fd \u0161t\u00fdl. Sta\u010d\u00ed, ak budete viac zar\u00e1ba\u0165<\/strong>. A ke\u010f\u017ee v kr\u00e1tkom \u010dase nem\u00f4\u017eete z\u00edska\u0165 lep\u0161ie vzdelanie ani ve\u013ea sk\u00fasenost\u00ed, najlep\u0161\u00edm sp\u00f4sobom je h\u013eada\u0165 si pr\u00e1cu v krajine, kde s\u00fa platy vy\u0161\u0161ie. Na druhej strane sa to \u013eah\u0161ie povie, ako urob\u00ed. Nie ka\u017ed\u00fd si m\u00f4\u017ee len tak zbali\u0165 kufor, zaplati\u0165 si cestu \u010faleko, zaplati\u0165 n\u00e1jom a \u017eivi\u0165 sa, k\u00fdm si n\u00e1jde pr\u00e1cu a dostane plat.<\/p>\n\n\n\n

    Ale aj ke\u010f si nem\u00f4\u017eete dovoli\u0165 v\u0161etky veci, ktor\u00e9 sme spomenuli, Atena <\/a>v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165! N\u00e1jdeme v\u00e1m pr\u00e1cu<\/strong>, zaplat\u00edme cestu<\/strong> vopred a vyberieme poz\u00edciu <\/em>so zabezpe\u010den\u00fdm ubytovan\u00edm<\/strong>! Atena <\/a>v\u00e1m tie\u017e pom\u00f4\u017ee so v\u0161etk\u00fdmi potrebn\u00fdmi dokumentmi a bude v\u00e1m k dispoz\u00edcii kedyko\u013evek po\u010das cel\u00e9ho pobytu v zahrani\u010d\u00ed. A najlep\u0161ie na tom je, \u017ee ke\u010f od\u00eddete, m\u00f4\u017eete svoju nehnute\u013enos\u0165 doma prenaj\u00edma\u0165 – niekto in\u00fd bude plati\u0165 va\u0161u hypot\u00e9ku, zatia\u013e \u010do vy budete zar\u00e1ba\u0165 dvoj- a\u017e trojn\u00e1sobok toho, \u010do m\u00f4\u017eete zarobi\u0165 doma.<\/p>\n\n\n\n

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

    \u00darokov\u00e9 sadzby, rovnako ako ceny mnoh\u00fdch in\u00fdch vec\u00ed, sa zv\u00fd\u0161ili. Va\u0161a hypot\u00e9ka m\u00f4\u017ee by\u0165 teraz dvakr\u00e1t drah\u0161ia. A hoci to znie nemo\u017ene, existuje sp\u00f4sob, ako m\u00f4\u017eete spl\u00e1ca\u0165 a pritom si zachova\u0165 svoj \u017eivotn\u00fd \u0161t\u00fdl.<\/p>\n","protected":false},"author":20,"featured_media":201502,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"acf":{"facebookpost":"V d\u00f4sledku ned\u00e1vnych udalost\u00ed ceny mnoh\u00fdch vec\u00ed prudko vzr\u00e1stli. Rovnako sa zv\u00fd\u0161ili aj \u00farokov\u00e9 sadzby ???. V niektor\u00fdch krajin\u00e1ch hypot\u00e9ka, ktor\u00e1 st\u00e1la 400 EUR mesa\u010dne, teraz stoj\u00ed viac ako 900 EUR! Ako si napriek tomu m\u00f4\u017eete dovoli\u0165 spl\u00e1ca\u0165? Existuje sp\u00f4sob, ako si zachova\u0165 svoj \u017eivotn\u00fd \u0161t\u00fdl? Zistite to tu. ","popis_socialneho_obrazku":"Ako by\u0165 st\u00e1le schopn\u00fd spl\u00e1ca\u0165 hypot\u00e9ku?"},"yoast_head":"\nPrudk\u00fd n\u00e1rast \u00farokov\u00fdch sadzieb v E\u00da - \u010do m\u00f4\u017eeme urobi\u0165, aby sme si zachovali svoj \u017eivotn\u00fd \u0161t\u00fdl? - Atena blog<\/title>\n<meta name=\"description\" content=\"\u00darokov\u00e9 sadzby v celej E\u00da sa zvy\u0161uj\u00fa. Tu sa dozviete, \u010do m\u00f4\u017eete urobi\u0165, aby ste dr\u017eali krok so svojou hypot\u00e9kou.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/atena.sk\/blog\/prudky-narast-urokovych-sadzieb-v-eu-co-mozeme-urobit-aby-sme-si-zachovali-svoj-zivotny-styl\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Prudk\u00fd n\u00e1rast \u00farokov\u00fdch sadzieb v E\u00da - \u010do m\u00f4\u017eeme urobi\u0165, aby sme si zachovali svoj \u017eivotn\u00fd \u0161t\u00fdl? - Atena blog\" \/>\n<meta property=\"og:description\" content=\"\u00darokov\u00e9 sadzby zohr\u00e1vaj\u00fa v na\u0161om \u017eivote ve\u013ek\u00fa \u00falohu - najm\u00e4 pre \u013eud\u00ed, ktor\u00ed maj\u00fa hypot\u00e9ku alebo dlhodob\u00fd \u00faver. 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