[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kapstop.cz\/dluh-jako-bezna-soucast-zivota\/#Article","mainEntityOfPage":"https:\/\/www.kapstop.cz\/dluh-jako-bezna-soucast-zivota\/","headline":"Dluh jako b\u011b\u017en\u00e1 sou\u010d\u00e1st \u017eivota","name":"Dluh jako b\u011b\u017en\u00e1 sou\u010d\u00e1st \u017eivota","description":"Je to tak. Dluh m\u016f\u017ee st\u00e1le znamenat soci\u00e1ln\u00ed stigma. Anebo tak\u00e9 ne. Z\u00e1le\u017e\u00ed na typu dluhu. N\u011bkter\u00e9 z\u00e1vazky jsou v\u00a0dne\u0161n\u00ed dob\u011b b\u011b\u017en\u00e9 a vlastn\u011b i celkem modern\u00ed. Hypot\u00e9ka \u2013 b\u011b\u017en\u00e1 v\u011bc P\u0159em\u00fd\u0161leli jste n\u011bkdy o hypot\u00e9ce jako o dluhu? V\u011bt\u0161ina lid\u00ed toti\u017e bere hypot\u00e9ku jako investici. Tak\u00e9 ve spole\u010dnosti je hypot\u00e9ka vn\u00edm\u00e1na jako b\u011b\u017en\u00e1 sou\u010d\u00e1st […]","datePublished":"2019-09-27","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.kapstop.cz\/author\/#Person","name":"","url":"https:\/\/www.kapstop.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/60cfa630c84b6c399b95e807e4bc5b6bfe4f26a47dceacbf179d7148760edc6a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/60cfa630c84b6c399b95e807e4bc5b6bfe4f26a47dceacbf179d7148760edc6a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kapstop.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kapstop.cz\/wp-content\/uploads\/img_a356835_w3888_t1571464498.jpg","url":"https:\/\/www.kapstop.cz\/wp-content\/uploads\/img_a356835_w3888_t1571464498.jpg","height":0,"width":0},"url":"https:\/\/www.kapstop.cz\/dluh-jako-bezna-soucast-zivota\/","about":["Ekonomika"],"wordCount":396,"articleBody":"Je to tak. Dluh m\u016f\u017ee st\u00e1le znamenat soci\u00e1ln\u00ed stigma. Anebo tak\u00e9 ne. Z\u00e1le\u017e\u00ed na typu dluhu. N\u011bkter\u00e9 z\u00e1vazky jsou v\u00a0dne\u0161n\u00ed dob\u011b b\u011b\u017en\u00e9 a vlastn\u011b i celkem modern\u00ed.Hypot\u00e9ka \u2013 b\u011b\u017en\u00e1 v\u011bcP\u0159em\u00fd\u0161leli jste n\u011bkdy o hypot\u00e9ce jako o dluhu? V\u011bt\u0161ina lid\u00ed toti\u017e bere hypot\u00e9ku jako investici. Tak\u00e9 ve spole\u010dnosti je hypot\u00e9ka vn\u00edm\u00e1na jako b\u011b\u017en\u00e1 sou\u010d\u00e1st \u017eivota st\u0159edn\u00ed i vy\u0161\u0161\u00ed vrstvy. Nen\u00ed to tedy nic, za co bychom se m\u011bli styd\u011bt. O hypot\u00e9ce se b\u011b\u017en\u011b mluv\u00ed. Nikdo se za ni nestyd\u00ed. Jako t\u00e9ma je obl\u00edbenou sou\u010d\u00e1st\u00ed spole\u010densk\u00fdch setk\u00e1n\u00ed.Je to ov\u0161em st\u00e1le dluh. A to dost vysok\u00fd. Na hypot\u00e9k\u00e1ch jednotliv\u00ed lid\u00e9 dlu\u017e\u00ed bank\u00e1m a nebankovn\u00edm instituc\u00edm miliony. A celospole\u010densky se potom jedn\u00e1 o miliardy korun.V\u0161eobecn\u00e1 zadlu\u017eenost V\u00a0kv\u011btnu 2019 \u010dinil pr\u016fm\u011brn\u00fd dluh \u010cech\u016f 28.500 korun. To je o 1.200 korun m\u00e9n\u011b ne\u017e v\u00a0roce 2017. Dobrou zpr\u00e1vou je, \u017ee zadlu\u017eenost konstantn\u011b kles\u00e1. Pro srovn\u00e1n\u00ed. V\u00a0roce 2014 pr\u016fm\u011brn\u00fd dluh \u010dinil cel\u00fdch 41.000 korun. Do statistik jsou p\u0159itom zapo\u010d\u00edt\u00e1ni v\u0161ichni obyvatel\u00e9 \u010cR. V\u010detn\u011b kojenc\u016f a velmi star\u00fdch lid\u00ed. Nejvy\u0161\u0161\u00ed zadlu\u017eenost je p\u0159itom u lid\u00ed v\u00a0produktivn\u00edm v\u011bku.Kdy se nejv\u00edce zadlu\u017eujeme?Podle statistik si nejv\u00edce p\u016fj\u010dujeme pen\u00edze mezi 35. a 44. rokem \u017eivota. M\u00e1 to sv\u00e9 opodstatn\u011bn\u00ed. V\u00a0tomto v\u011bku toti\u017e lid\u00e9 pot\u0159ebuj\u00ed zabezpe\u010dit sv\u00e9 rodiny. A \u010dasto si tak\u00e9 p\u016fj\u010duj\u00ed na zaji\u0161t\u011bn\u00ed bydlen\u00ed. Jedn\u00e1 se o cel\u00fdch 27 % z\u00a0celkov\u00e9ho po\u010dtu dlu\u017en\u00edk\u016f.Jak se nedostat do probl\u00e9m\u016f?S\u00a0dluhy se poj\u00ed mo\u017enost p\u00e1du do dluhov\u00e9 pasti. Nepodce\u0148ujte tento celospole\u010densk\u00fd probl\u00e9m. Pokud si p\u016fj\u010dujete pen\u00edze, zva\u017ete p\u0159edem velmi d\u016fkladn\u011b sv\u00e9 finan\u010dn\u00ed mo\u017enosti a schopnosti platit pravideln\u00e9 spl\u00e1tky dluhu. M\u016f\u017eete tak\u00e9 pop\u0159em\u00fd\u0161let o mo\u017enosti se pojistit pro p\u0159\u00edpad dlouhodob\u00e9 pracovn\u00ed neschopnosti. Dlouhodob\u00e1 pracovn\u00ed neschopnost toti\u017e \u010dasto stoj\u00ed na po\u010d\u00e1tku ne\u0161\u0165astn\u00e9ho p\u0159\u00edb\u011bhu kon\u010d\u00edc\u00edho exekuc\u00ed majetku.\u00a0 Bu\u010fte p\u0159ipraveni i na ne\u010dekan\u00e9 ud\u00e1losti.                                                                                                                                                                                                                                                                                                                                                                                        3.6\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dluh jako b\u011b\u017en\u00e1 sou\u010d\u00e1st \u017eivota","item":"https:\/\/www.kapstop.cz\/dluh-jako-bezna-soucast-zivota\/#breadcrumbitem"}]}]