{"id":219,"date":"2022-11-24T13:56:46","date_gmt":"2022-11-24T13:56:46","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=219"},"modified":"2022-11-24T13:59:45","modified_gmt":"2022-11-24T13:59:45","slug":"cba-za-vanocni-darky-cesi-utrati-do-10-tisic","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=219","title":{"rendered":"\u010cBA: Za v\u00e1no\u010dn\u00ed d\u00e1rky \u010ce\u0161i daj\u00ed do 10 tis\u00edc"},"content":{"rendered":"
\n

Podle listopadov\u00e9ho pr\u016fzkumu \u010cBA pl\u00e1nuj\u00ed \u010ce\u0161i letos utratit za d\u00e1rky p\u0159es 7,5 tis\u00edce korun (7.513K\u010d), dal\u0161\u00edch 3,5 tis\u00edce korun (3.403 K\u010d) za j\u00eddlo a pit\u00ed a p\u0159es 2.700 (2.719 K\u010d) za v\u00e1no\u010dn\u00ed v\u00fdzdobu.<\/strong><\/p>\n

Celkem tak cht\u011bj\u00ed vydat za V\u00e1noce v\u00a0pr\u016fm\u011bru 13.635\u00a0korun. To je zhruba o\u00a01.000\u00a0korun v\u00edce, ne\u017e tomu bylo v\u00a0lo\u0148sk\u00e9m roce, kdy \u010ce\u0161i za V\u00e1noce utratili v\u00a0pr\u016fm\u011bru 12.672\u00a0korun.<\/p>\n

Pouze 3\u00a0% lid\u00ed pova\u017euj\u00ed p\u016fj\u010dku na v\u00e1no\u010dn\u00ed d\u00e1rky za dobr\u00fd n\u00e1pad<\/strong><\/h5>\n

V\u011bt\u0161ina lid\u00ed nepova\u017euje p\u016fj\u010dku na v\u00e1no\u010dn\u00ed d\u00e1rky za bezpe\u010dnou. Obecn\u011b plat\u00ed, \u017ee mlad\u0161\u00ed lid\u00e9 se takov\u00fdch \u00fav\u011br\u016f boj\u00ed m\u00e9n\u011b a\u00a0za dobr\u00fd n\u00e1pad to pova\u017euje 6\u00a0% \u010cech\u016f od 18\u00a0do 34\u00a0let. Vysoko\u0161kolsky vzd\u011blan\u00ed jsou obez\u0159etn\u011bj\u0161\u00ed, 98\u00a0% z\u00a0nich pova\u017euje v\u00e1no\u010dn\u00ed p\u016fj\u010dku za rizikovou, tedy \u010dast\u011bji ne\u017e lid\u00e9 se z\u00e1kladn\u00edm vzd\u011bl\u00e1n\u00edm\u00a0\u2013 i\u00a0v\u00a0t\u00e9to skupin\u011b je to ale vysok\u00e9 \u010d\u00edslo, a\u00a0to 89\u00a0%<\/p>\n

“Je dob\u0159e, \u017ee lid\u00e9 jsou p\u0159i pl\u00e1nov\u00e1n\u00ed v\u00e1no\u010dn\u00edch v\u00fddaj\u016f obez\u0159etn\u00ed a drtiv\u00e1 v\u011bt\u0161ina z nich by se kv\u016fli d\u00e1rk\u016fm nezadlu\u017eila. I tak ale doporu\u010dujeme opatrnost. Je dobr\u00e9 v\u017edy zv\u00e1\u017eit, jestli na spl\u00e1cen\u00ed takov\u00e9ho z\u00e1vazku m\u00e1m prost\u0159edky, pop\u0159\u00edpad\u011b si velmi dob\u0159e vybrat poskytovatele takov\u00e9 p\u016fj\u010dky. Dobr\u00e9 je v\u017edy p\u0159esn\u011b zjistit kolik za svou p\u016fj\u010dku zaplat\u00edm\u201c,\u00a0<\/em>upozor\u0148uje Filip Hanzl\u00edk, hlavn\u00ed pr\u00e1vn\u00edk a\u00a0gestor pro spot\u0159ebitelsk\u00e9 ot\u00e1zky \u010cesk\u00e9 bankovn\u00ed asociace.<\/p>\n<\/div>\n

P\u0159esto si lid\u00e9 na V\u00e1noce ob\u010das p\u016fj\u010duj\u00ed. Letos v\u0161ak v\u00fdrazn\u011b m\u00e9n\u011b ne\u017e v\u00a0uplynul\u00fdch letech. Zat\u00edmco v\u00a0lo\u0148sk\u00e9m roce si na v\u00e1no\u010dn\u00ed \u00fatraty p\u016fj\u010dil ka\u017ed\u00fd des\u00e1t\u00fd \u010cech, letos p\u016fj\u010dku pl\u00e1nuj\u00ed jen 3\u00a0% dotazovan\u00fdch. Nej\u010dast\u011bji si cht\u011bj\u00ed p\u016fj\u010dit do 10.000\u00a0korun.<\/p>\n

\n
Kdy\u017e p\u016fj\u010dku, tak u\u00a0banky<\/strong><\/h5>\n

Ti, kte\u0159\u00ed zva\u017euj\u00ed si p\u016fj\u010dku na v\u00e1no\u010dn\u00ed d\u00e1rky vz\u00edt, nebo si ji u\u017e vzali, si nej\u010dast\u011bji p\u016fj\u010duj\u00ed p\u0159\u00edmo od banky
\n(58\u00a0%). Nad d\u016fvody, kter\u00e9 by mohly zp\u016fsobit neschopnost p\u016fj\u010dku spl\u00e1cet p\u0159\u00edli\u0161 neuva\u017euj\u00ed. 35\u00a0% z\u00a0nich by to v\u016fbec nenapadlo, 31\u00a0% se pak m\u00edrn\u011b ob\u00e1v\u00e1, ale stoj\u00ed to podle nich za to.<\/p>\n

\u201eP\u0159esto\u017ee p\u016fj\u010dka na V\u00e1noce rozhodn\u011b nen\u00ed ide\u00e1ln\u00edm \u0159e\u0161en\u00edm, pozitivn\u00ed zpr\u00e1vou v\u00a0tomto kontextu je alespo\u0148 to, \u017ee nadpolovi\u010dn\u00ed v\u011bt\u0161ina lid\u00ed pro ni vyu\u017eije banku, \u010dtvrtina pak hled\u00e1 prost\u0159edky u\u00a0p\u0159\u00edbuzn\u00fdch. Lid\u00e9 se tak i\u00a0v\u00a0tomto p\u0159\u00edpad\u011b sna\u017e\u00ed co nejv\u00edce eliminovat r\u016fzn\u00e1 nesyst\u00e9mov\u00e1 \u0159e\u0161en\u00ed, kter\u00e1 je mohou dostat je\u0161t\u011b do v\u011bt\u0161\u00edch probl\u00e9m\u016f se spl\u00e1cen\u00edm\u201c,<\/em>\u00a0dod\u00e1v\u00e1 Michal Straka z\u00a0agentury Ipsos.<\/p>\n<\/div>\n

\n
\u017d\u00e1dost o odklad spl\u00e1tek je nej\u010dast\u011bj\u0161\u00edm \u0159e\u0161en\u00edm probl\u00e9m\u016f<\/strong><\/h5>\n

20\u00a0% lid\u00ed, kte\u0159\u00ed si v\u00a0minulosti p\u016fj\u010dili na v\u00e1no\u010dn\u00ed d\u00e1rky, uvedlo \u017ee p\u016fj\u010dku spl\u00e1c\u00ed s\u00a0probl\u00e9my, kter\u00e9 budou \u0159e\u0161it odkladem spl\u00e1tek. 14\u00a0% pak tvrd\u00ed, \u017ee si p\u0159i probl\u00e9mech se spl\u00e1cen\u00edm pom\u016f\u017ee p\u016fj\u010dkou v\u00a0rodin\u011b.<\/p>\n<\/div>\n

\n

\u201ePom\u011brn\u011b hodn\u011b lid\u00ed, kte\u0159\u00ed se pro v\u00e1no\u010dn\u00ed p\u016fj\u010dku rozhodli, se dost\u00e1v\u00e1 do probl\u00e9m\u016f se spl\u00e1cen\u00edm. V\u00a0takov\u00fdch p\u0159\u00edpadech doporu\u010dujeme co nejrychleji kontaktovat poskytovatele p\u016fj\u010dky a\u00a0za\u010d\u00edt s\u00a0n\u00edm jednat o\u00a0zp\u016fsobu \u0159e\u0161en\u00ed\u201c,\u00a0<\/em>dopl\u0148uje Filip Hanzl\u00edk.<\/p>\n<\/div>\n

\n
Nej\u010dast\u011bj\u0161\u00edm n\u00e1kupem jsou hra\u010dky<\/strong><\/h5>\n

Za pen\u00edze, kter\u00e9 si \u010ce\u0161i letos na v\u00e1no\u010dn\u00ed d\u00e1rky p\u016fj\u010dili \u010di pl\u00e1nuj\u00ed p\u016fj\u010dit cht\u011bj\u00ed nej\u010dast\u011bji koupit hra\u010dky pro d\u011bti (42\u00a0%). 38\u00a0% z\u00a0nich pak po\u0159\u00edd\u00ed b\u00edlou elektroniku, 27\u00a0% vybaven\u00ed do bytu a\u00a023\u00a0% spot\u0159ebn\u00ed elektroniku. Nej\u010dast\u011bj\u0161\u00edm d\u016fvodem takov\u00e9 p\u016fj\u010dky je nedostatek \u00faspor, a\u00a0to ve 42\u00a0% p\u0159\u00edpad\u016f. T\u00e9m\u011b\u0159 \u010dtvrtina (23\u00a0%) pak nechce \u010dekat a\u00a0\u0161et\u0159it na vytou\u017een\u00e9 zbo\u017e\u00ed. 19\u00a0% lid\u00ed p\u0159esv\u011bd\u010d\u00ed fakt, \u017ee kupovan\u00e1 v\u011bc je ve slev\u011b. 19\u00a0% lid\u00ed pak chce ud\u011blat d\u011btem a\u00a0rodin\u011b p\u011bkn\u00e9 V\u00e1noce.<\/p>\n

Pr\u016fzkum prob\u011bhl v\u00a0\u0159\u00edjnu 2022\u00a0na reprezentativn\u00edm vzorku populace \u010cR ve v\u011bku 18\u201379\u00a0let. Velikost vzorku je 1006\u00a0lid\u00ed.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Podle listopadov\u00e9ho pr\u016fzkumu \u010cBA pl\u00e1nuj\u00ed \u010ce\u0161i letos utratit za d\u00e1rky p\u0159es 7,5 tis\u00edce korun (7.513K\u010d), dal\u0161\u00edch 3,5 tis\u00edce korun (3.403 K\u010d) za j\u00eddlo a pit\u00ed […]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":220,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-219","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analyza"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/219","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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=219"}],"version-history":[{"count":5,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/219\/revisions"}],"predecessor-version":[{"id":225,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/219\/revisions\/225"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/220"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=219"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=219"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=219"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}