{"id":298,"date":"2022-12-02T07:47:09","date_gmt":"2022-12-02T07:47:09","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=298"},"modified":"2022-12-02T07:48:53","modified_gmt":"2022-12-02T07:48:53","slug":"cba-desetina-cechu-se-zadluzuje-rizikove","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=298","title":{"rendered":"\u010cBA: Desetina \u010cech\u016f se zadlu\u017euje rizikov\u011b"},"content":{"rendered":"

Zku\u0161enosti s\u00a0p\u016fj\u010dkou m\u00e1 74\u00a0% \u010cech\u016f. Rizikov\u011b se p\u0159itom chov\u00e1 desetina z\u00a0nich a\u00a0v\u00a0porovn\u00e1n\u00ed s\u00a0lo\u0148sk\u00fdm rokem se tak situace nepatrn\u011b zlep\u0161ila. Lid\u00e9 si nej\u010dast\u011bji p\u016fj\u010duj\u00ed od banky, spl\u00e1tkov\u00fdch spole\u010dnost\u00ed nebo od rodiny a\u00a0zn\u00e1m\u00fdch.\u00a0<\/strong>\u010ctvrtina n\u011bkdy vyu\u017eila slou\u010den\u00ed v\u00edce p\u016fj\u010dek a\u00a0p\u011btina n\u011bkdy p\u0159evedla p\u016fj\u010dku k\u00a0jin\u00e9mu poskytovateli.\u00a0<\/strong>Vypl\u00fdv\u00e1 to z\u00a0pr\u016fzkumu \u010cesk\u00e9 bankovn\u00ed asociace a\u00a0agentury Ipsos. Pod\u00edl nespl\u00e1cen\u00fdch \u00fav\u011br\u016f podle posledn\u00edch \u00fadaj\u016f kles\u00e1.<\/strong><\/h4>\n

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Index rizikov\u00e9ho zadlu\u017eov\u00e1n\u00ed \u010cBA je letos 10\u00a0%<\/strong><\/h4>\n

Desetina lid\u00ed, kte\u0159\u00ed maj\u00ed zku\u0161enost s\u00a0p\u016fj\u010dkami, se zadlu\u017euje problematicky. Proti lo\u0148sku, kdy \u0161lo o\u00a011\u00a0%, se tak situace m\u00edrn\u011b zlep\u0161ila.\u00a0S\u00a0p\u016fj\u010dkami p\u0159itom maj\u00ed zku\u0161enost t\u0159i \u010dtvrtiny \u010cech\u016f.<\/strong>\u00a0Nej\u010dast\u011bji si p\u016fj\u010dili na auto \u010di motorku (30\u00a0%), rekonstrukci bytu (27\u00a0%), spot\u0159ebn\u00ed elektroniku (26\u00a0%) a\u00a0b\u00edl\u00e9 elektro (26\u00a0%). Dv\u011b t\u0159etiny \u010cech\u016f (68\u00a0%) by si naopak nikdy nep\u016fj\u010dily na z\u00e1\u017eitky nebo dovolenou a\u00a0zdr\u017eenliv\u00ed jsou i\u00a0pokud jde o\u00a0sportovn\u00ed vybaven\u00ed (46\u00a0%) nebo spl\u00e1cen\u00ed p\u016fj\u010dky dal\u0161\u00ed p\u016fj\u010dkou (41\u00a0%).<\/p>\n

Kdy\u017e p\u016fj\u010dku, tak u banky<\/strong><\/h4>\n<\/div>\n
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V\u00edc ne\u017e polovina dlu\u017en\u00edk\u016f (53 %) vyu\u017eila banku. U spl\u00e1tkov\u00fdch spole\u010dnost\u00ed si pak p\u016fj\u010dku vzala necel\u00e1 t\u0159etina (28 %).\u00a0P\u0159ibli\u017en\u011b p\u011btina si v\u00a0p\u0159\u00edpad\u011b pot\u0159eby p\u016fj\u010dila od p\u0159\u00edbuzn\u00fdch nebo zn\u00e1m\u00fdch (23\u00a0%).\u00a0U\u00a0spl\u00e1tkov\u00fdch spole\u010dnosti si licenci u\u00a0\u010cNB ov\u011b\u0159ovala pouze \u010dtvrtina dot\u00e1zan\u00fdch. U\u00a0p\u016fj\u010dek p\u0159\u00edmo od prodejc\u016f zbo\u017e\u00ed to bylo je\u0161t\u011b m\u00e9n\u011b (18\u00a0%).<\/p>\n

\u201e\u010ce\u0161i, kte\u0159\u00ed si p\u016fj\u010dku v\u00a0minulosti vzali, k\u00a0tomu nej\u010dast\u011bji vyu\u017eili banku. To je dobr\u00e1 zpr\u00e1va, proto\u017ee m\u00edra rizika je v\u00a0tomto p\u0159\u00edpad\u011b velmi n\u00edzk\u00e1. Zar\u00e1\u017eej\u00edc\u00ed ale je, \u017ee lid\u00e9 se \u010dasto u\u00a0nebankovn\u00edch spole\u010dnost\u00ed nezaj\u00edmaj\u00ed nap\u0159\u00edklad o\u00a0to, jestli v\u016fbec maj\u00ed licenci od centr\u00e1ln\u00ed banky. M\u00edra rizika je v\u00a0takov\u00e9m p\u0159\u00edpad\u011b velmi vysok\u00e1 a\u00a0m\u016f\u017ee doj\u00edt k\u00a0neo\u010dek\u00e1van\u00fdm situac\u00edm,\u00a0<\/em>upozor\u0148uje\u00a0Filip Hanzl\u00edk, hlavn\u00ed pr\u00e1vn\u00edk a\u00a0n\u00e1m\u011bstek v\u00fdkonn\u00e9 \u0159editelky \u010cesk\u00e9 bankovn\u00ed asociace.<\/strong><\/p>\n

Kontokorent, n\u00e1kup na spl\u00e1tky nebo spot\u0159ebitelsk\u00fd \u00fav\u011br vyu\u017eili \u010ce\u0161i nej\u010dast\u011bji<\/strong><\/h4>\n

Zku\u0161enosti s\u00a0kontokorentem m\u00e1 31\u00a0% populace, 29\u00a0% pak n\u011bkdy nakupovalo na spl\u00e1tky. 28\u00a0% \u010cech\u016f m\u00e1 zku\u0161enost s\u00a0jin\u00fdm spot\u0159ebitelsk\u00fdm \u00fav\u011brem \u010di p\u016fj\u010dkou. Kreditn\u00ed kartou pak n\u011bkdy nakupovala \u010dtvrtina populace. \u010ctvrtina \u010cech\u016f si nikdy na nic nep\u016fj\u010dila (26\u00a0%).<\/p>\n

Kreditn\u00ed karta na b\u011b\u017en\u00e9 n\u00e1kupy, kontokorent jako rezerva<\/strong><\/h4>\n

45\u00a0% \u010cech\u016f vyu\u017e\u00edv\u00e1 kreditn\u00ed kartu na b\u011b\u017en\u00e9 n\u00e1kupy a\u00a0pouze 30\u00a0% ji vn\u00edm\u00e1 jako rezervu. 16\u00a0% lid\u00ed ji pak pou\u017e\u00edv\u00e1 na speci\u00e1ln\u00ed p\u0159\u00edle\u017eitost\u00ed, jako je cestov\u00e1n\u00ed a\u00a0podobn\u011b. U\u00a0kontokorentu se situace li\u0161\u00ed a\u00a0v\u00edc ne\u017e polovina lid\u00ed (57\u00a0%) ho m\u00e1 jako rezervu. Na b\u011b\u017en\u00e9 n\u00e1kupy ho pak vyu\u017e\u00edv\u00e1 necel\u00e1 desetina (9\u00a0%).<\/p>\n

Platebn\u00ed mor\u00e1lka se paradoxn\u011b zlep\u0161uje<\/strong><\/h4>\n

Polovina \u010cech\u016f (48\u00a0%), kte\u0159\u00ed si v\u00a0minulosti p\u016fj\u010dili v\u00a0tuto chv\u00edli u\u017e nic nespl\u00e1c\u00ed. Ti, kter\u00fdm p\u016fj\u010dka st\u00e1le b\u011b\u017e\u00ed, nej\u010dast\u011bji spl\u00e1cej\u00ed auto nebo motorku (13\u00a0%), p\u0159\u00edpadn\u011b rekonstrukci bytu (12\u00a0%). Schopnost lid\u00ed spl\u00e1cet je p\u0159itom po\u0159\u00e1d na dobr\u00e9 \u00farovni.\u00a0Je to u\u017e p\u00e1r m\u011bs\u00edc\u016f, co v\u00a0bankovn\u00ed statistice pravideln\u011b zve\u0159ej\u0148ovan\u00e9 \u010ceskou n\u00e1rodn\u00ed bankou s\u00a0nap\u011bt\u00edm sledujeme, zda se za\u010d\u00edn\u00e1 zvy\u0161ovat pod\u00edl dom\u00e1cnost\u00ed, kter\u00e9 se dost\u00e1vaj\u00ed do pot\u00ed\u017e\u00ed se spl\u00e1cen\u00edm z\u00e1vazk\u016f v\u016f\u010di bank\u00e1m.<\/strong>\u00a0V\u00a0p\u0159\u00edpad\u011b \u00fav\u011br\u016f dom\u00e1cnostem se jejich celkov\u00fd objem zv\u00fd\u0161il ke konci \u0159\u00edjna o\u00a07 miliard na 2\u00a0biliony a\u00a0131\u00a0miliard korun, p\u0159i\u010dem\u017e pod\u00edl t\u011bch nev\u00fdkonn\u00fdch v\u00a0nomin\u00e1ln\u00edm vyj\u00e1d\u0159en\u00ed stagnoval na 27\u00a0miliard\u00e1ch\u00a0a\u00a0v\u00a0relativn\u00edm vyj\u00e1d\u0159en\u00ed tak klesnul na 1,2\u00a0%.<\/strong>\u00a0U\u00a0hypot\u00e9k je tento pod\u00edl 0,58\u00a0%, stejn\u00fd jako v\u00a0z\u00e1\u0159\u00ed, \u0161lo ale o\u00a0historick\u00e9 minimum<\/strong>.<\/p>\n

Lid\u00e9 si nej\u010dast\u011bji p\u016fj\u010duj\u00ed hodn\u011b, nebo naopak m\u00e1lo<\/strong><\/h4>\n

Shodn\u011b v\u00a017\u00a0% p\u0159\u00edpad\u016f si lid\u00e9 p\u016fj\u010duj\u00ed bu\u010f nad p\u016fl milionu, nebo naopak m\u00e9n\u011b ne\u017e 20\u00a0tis\u00edc korun. Nej\u010dast\u011bji p\u0159itom proto, \u017ee nemaj\u00ed dostatek hotovosti (59\u00a0%). 18\u00a0% nechce \u010dekat a\u00a0\u0161et\u0159it na vybran\u00e9 zbo\u017e\u00ed, 12\u00a0% pak vyu\u017e\u00edv\u00e1 v\u00fdhodn\u00fdch akc\u00ed na spl\u00e1tky. 14\u00a0% respondent\u016f uvedlo, \u017ee nem\u00e1 mo\u017enost \u0161et\u0159it. Desetina (9\u00a0%) pak cht\u011bla koupit zbo\u017e\u00ed ve slevov\u00e9 akci a\u00a0necht\u011bla spol\u00e9hat na to, \u017ee akce bude trvat a\u017e do chv\u00edle, kdy bude m\u00edt pen\u00edze. 7\u00a0% lid\u00ed si vzalo p\u016fj\u010dku, proto\u017ee necht\u011blo sahat na svoje \u00faspory.\u00a09\u00a0% \u010cech\u016f by si vzalo p\u016fj\u010dku na spl\u00e1tku jin\u00e9 p\u016fj\u010dky, a\u00a0to nej\u010dast\u011bji od banky (45\u00a0%), nebo p\u0159\u00edbuzn\u00fdch a\u00a0zn\u00e1m\u00fdch (36\u00a0%).<\/strong><\/p>\n

Kdy\u017e nemohou spl\u00e1cet, zkus\u00ed odklad spl\u00e1tek<\/strong><\/h4>\n

Necel\u00e1 t\u0159etina dlu\u017en\u00edk\u016f (29\u00a0%) by v\u00a0p\u0159\u00edpad\u011b probl\u00e9m\u016f se schopnost\u00ed spl\u00e1cet zkusila s\u00a0poskytovatelem p\u016fj\u010dky vyjednat odklad spl\u00e1tek. Necel\u00e1 \u010dtvrtina (24\u00a0%) by si p\u016fj\u010dila od p\u0159\u00edbuzn\u00fdch \u010di zn\u00e1m\u00fdch. T\u00e9m\u011b\u0159 p\u011btina (17\u00a0%) by pak zkusila p\u016fj\u010dky slou\u010dit v\u00a0bance a\u00a09\u00a0% dot\u00e1zan\u00fdch uvedlo, \u017ee by situaci v\u016fbec ne\u0159e\u0161ilo.\u00a0<\/strong><\/p>\n

5\u00a0% \u010cech\u016f pl\u00e1nuje p\u016fj\u010dku, nej\u010dast\u011bji do 20\u00a0tis\u00edc<\/strong><\/h4>\n

V\u00a0n\u00e1sleduj\u00edc\u00edch 12\u00a0m\u011bs\u00edc\u00edch si hodl\u00e1 p\u016fj\u010dit 5\u00a0% \u010cech\u016f. V\u00edc ne\u017e \u010dtvrtina (27\u00a0%) z\u00a0nich p\u0159itom chce \u010d\u00e1stku do 20\u00a0tis\u00edc korun. Od 50\u00a0do 100\u00a0tis\u00edc si pl\u00e1nuje p\u016fj\u010dit 16\u00a0% a\u00a0od 100\u00a0do 200\u00a0tis\u00edc 14\u00a0% populace. V\u00edc ne\u017e p\u016fl milionu zva\u017euje desetina lid\u00ed, kte\u0159\u00ed si pl\u00e1nuj\u00ed p\u016fj\u010dit. Nej\u010dast\u011bji je to na vybaven\u00ed bytu (29\u00a0%), rekonstrukci (27\u00a0%), spot\u0159ebn\u00ed elektroniku (25\u00a0%) a\u00a0b\u00edl\u00e9 elektro (24\u00a0%).<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Zku\u0161enosti s\u00a0p\u016fj\u010dkou m\u00e1 74\u00a0% \u010cech\u016f. Rizikov\u011b se p\u0159itom chov\u00e1 desetina z\u00a0nich a\u00a0v\u00a0porovn\u00e1n\u00ed s\u00a0lo\u0148sk\u00fdm rokem se tak situace nepatrn\u011b zlep\u0161ila. Lid\u00e9 si nej\u010dast\u011bji p\u016fj\u010duj\u00ed od banky, […]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":299,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-298","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banky"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/298","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=298"}],"version-history":[{"count":3,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/298\/revisions"}],"predecessor-version":[{"id":302,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/298\/revisions\/302"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/299"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=298"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=298"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=298"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}