{"id":1351,"date":"2023-04-24T13:40:50","date_gmt":"2023-04-24T13:40:50","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1351"},"modified":"2023-04-24T13:40:50","modified_gmt":"2023-04-24T13:40:50","slug":"dve-tretiny-cechu-si-nekdy-vzaly-pujcku","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1351","title":{"rendered":"Dv\u011b t\u0159etiny \u010cech\u016f si n\u011bkdy vzaly p\u016fj\u010dku"},"content":{"rendered":"<p><strong>V\u011bt\u0161ina \u010cech\u016f se n\u011bkdy za \u017eivot ocitla v\u00a0situaci, kdy pro n\u011b v\u00fdchodisko p\u0159edstavovala p\u016fj\u010dka. A\u010dkoliv t\u0159etina z\u00a0nich po takov\u00e9 mo\u017enosti nikdy s\u00e1hnout nemusela, polovina m\u011bla dv\u011b p\u016fj\u010dky a v\u00edce. Nej\u010dast\u011bj\u0161\u00edm poskytovatelem \u00fav\u011bru je banka, skoro p\u011btina \u010cech\u016f si jej ale \u010dasem p\u0159evedla ke konkurenci. Data vyplynula z\u00a0reprezentativn\u00edho pr\u016fzkumu NMS Market Research pro Raiffeisenbank.<\/strong><\/p>\n<p><!--more--><\/p>\n<p>Vz\u00edt si p\u016fj\u010dku nen\u00ed v\u00a0dne\u0161n\u00ed dob\u011b u\u017e nijak neobvykl\u00fd \u00fakon. Bankovn\u00ed \u00fav\u011br je ned\u00edlnou sou\u010d\u00e1st\u00ed nab\u00eddkov\u00e9ho portfolia, i p\u0159esto ale 32 % \u010cech\u016f nikdy \u017e\u00e1dnou p\u016fj\u010dku nem\u011blo. Z\u00a0t\u011bch, kte\u0159\u00ed si \u00fav\u011br vzali, m\u011bla polovina za \u017eivot dv\u011b p\u016fj\u010dky a v\u00edce. \u010ce\u0161i se z\u00e1kladn\u00edm vzd\u011bl\u00e1n\u00edm si berou p\u016fj\u010dku 1,5kr\u00e1t \u010dast\u011bji ne\u017e vysoko\u0161kol\u00e1ci (56 % vs 39 %), ale p\u0159\u00edjmy jejich dom\u00e1cnosti, nebo velikost m\u011bsta, ve kter\u00e9m \u017eij\u00ed, na mno\u017estv\u00ed p\u016fj\u010dek vliv podle pr\u016fzkumu nem\u00e1.<\/p>\n<p>Pokud si \u010ce\u0161i p\u016fj\u010dku vezmou, nej\u010dast\u011bj\u0161\u00edm d\u016fvodem je rekonstrukce (35 %). Druhou nejv\u00edce zmi\u0148ovanou polo\u017ekou je n\u00e1kup auta \u010di motorky, k\u00a0tomu si \u00fav\u011brem pomohlo 16 % \u010cech\u016f. Oproti tomu na n\u00e1kup notebooku nebo stoln\u00edho po\u010d\u00edta\u010de si p\u016fj\u010dilo jen asi 3 % \u010cech\u016f.<em>\u00a0<\/em><\/p>\n<p><em>\u201eRekonstrukce bydlen\u00ed nebo podobn\u011b nezbytn\u00e9 \u00fakony, kter\u00e9 p\u0159\u00edmo ovliv\u0148uj\u00ed \u017eivot klienta, jsou legitimn\u00edm d\u016fvodem pro p\u016fj\u010den\u00ed si pen\u011bz. Pokud u\u017e se pro \u00fav\u011br \u010dlov\u011bk rozhodne, je d\u016fle\u017eit\u00e9 si d\u016fkladn\u011b p\u0159e\u010d\u00edst podm\u00ednky a doptat se na ve\u0161ker\u00e9 dal\u0161\u00ed informace. Finan\u010dn\u00ed gramotnost tu hraje hlavn\u00ed roli v\u00a0z\u00e1sad\u00e1ch bezpe\u010dnosti,\u201c<\/em> apeluje na ve\u0159ejnost tiskov\u00e1 mluv\u010d\u00ed Raiffeisenbank Tereza Kaiser\u0161otov\u00e1.<\/p>\n<p>Pr\u00e1v\u011b banky jsou nej\u010dast\u011bj\u0161\u00edm zdrojem p\u016fj\u010dek, zav\u00edt\u00e1 do nich a\u017e 86 % budouc\u00edch dlu\u017en\u00edk\u016f. T\u0159etina \u010cech\u016f si ale v\u00a0minulosti p\u016fj\u010dila od nebankovn\u00edho poskytovatele, co\u017e m\u016f\u017ee b\u00fdt v\u00a0n\u011bkter\u00fdch p\u0159\u00edpadech riskantn\u00ed. Od n\u011bkoho z\u00a0rodiny si finance vyp\u016fj\u010dila p\u011btina (22 %) dotazovan\u00fdch. Na druhou stranu, 18 % \u010cech\u016f z t\u011bch, kte\u0159\u00ed si n\u011bkdy p\u016fj\u010dku vzali, si p\u0159evedlo p\u016fj\u010dku do jin\u00e9 banky, ve v\u00edce ne\u017e polovin\u011b p\u0159\u00edpad\u016f (56 %) to bylo kv\u016fli ni\u017e\u0161\u00edmu \u00faroku<br \/>\nu konkurence.<\/p>\n<p>Nechat si poradit je v\u00a0p\u0159\u00edpad\u011b v\u011bt\u0161\u00edho z\u00e1vazku ur\u010dit\u011b rozumn\u00fdm krokem. K\u00a0tomuto \u00fa\u010delu existuj\u00ed finan\u010dn\u00ed poradci, kter\u00e9 by vyhledali 4 z\u00a010 \u010cech\u016f, pokud by sv\u00e9 mo\u017enosti cht\u011bli probrat. T\u0159etina by se rad\u011bji poradila se zn\u00e1m\u00fdm \u010di kamar\u00e1dem.<\/p>\n<p><strong><em>\u00a0<\/em><\/strong><\/p>\n<p><strong><em>\u00a0<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>V\u011bt\u0161ina \u010cech\u016f se n\u011bkdy za \u017eivot ocitla v\u00a0situaci, kdy pro n\u011b v\u00fdchodisko p\u0159edstavovala p\u016fj\u010dka. A\u010dkoliv t\u0159etina z\u00a0nich po takov\u00e9 mo\u017enosti nikdy s\u00e1hnout nemusela, polovina m\u011bla <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=1351\" title=\"Dv\u011b t\u0159etiny \u010cech\u016f si n\u011bkdy vzaly p\u016fj\u010dku\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":199,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4,14],"tags":[],"class_list":["post-1351","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banky","category-statistika"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1351","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1351"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1351\/revisions"}],"predecessor-version":[{"id":1352,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1351\/revisions\/1352"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/199"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1351"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1351"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1351"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}