{"id":328,"date":"2022-12-05T12:04:15","date_gmt":"2022-12-05T12:04:15","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=328"},"modified":"2022-12-05T12:04:15","modified_gmt":"2022-12-05T12:04:15","slug":"ucb-nadilka-pod-stromeckem-bude-letos-chudsi","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=328","title":{"rendered":"UCB: Nad\u00edlka pod strome\u010dkem bude letos chud\u0161\u00ed"},"content":{"rendered":"<p><strong>Lo\u0148sk\u00e9 V\u00e1noce byly i navzdory pandemii koronaviru \u0161t\u011bdr\u00e9. Letos ale t\u0159i z\u00a0deseti \u010cech\u016f (30 %) pl\u00e1nuj\u00ed kv\u016fli vysok\u00e9 inflaci a cen\u00e1m energi\u00ed m\u00e9n\u011b utr\u00e1cet za d\u00e1rky. Ne\u0161et\u0159\u00ed v\u0161ak v\u0161ichni \u2013 ka\u017ed\u00fd \u010dtvrt\u00fd utrat\u00ed za d\u00e1rky p\u0159es 7\u00a0500 korun. Ukazuje se tak, \u017ee ekonomick\u00e1 situace ovlivnila n\u00e1kupn\u00ed rozhodov\u00e1n\u00ed \u010cech\u016f u\u017e letos.<\/strong><\/p>\n<p><!--more--><\/p>\n<p>V\u00e1noce jsou za dve\u0159mi, co\u017e pro n\u011bkter\u00e9 znamen\u00e1 ut\u00e1hnut\u00ed si opask\u016f a pro jin\u00e9 velk\u00e9 nakupov\u00e1n\u00ed d\u00e1rk\u016f. Vysok\u00e1 inflace a ceny energi\u00ed zm\u011bnily chov\u00e1n\u00ed \u010desk\u00fdch spot\u0159ebitel\u016f. V\u011bt\u0161ina dot\u00e1zan\u00fdch (61 %) v\u00a0listopadov\u00e9m pr\u016fzkumu UniCredit Bank sice odpov\u011bd\u011bla, \u017ee pl\u00e1nuje utratit za d\u00e1rky stejn\u011b jako vloni, re\u00e1ln\u00e1 hodnota jejich pen\u011bz v\u0161ak mezit\u00edm klesla. Z\u00a0d\u016fvodu vysok\u00fdch cen a drah\u00e9ho zbo\u017e\u00ed proto zbyl\u00e9 \u010dty\u0159i desetiny (39 %) spot\u0159ebitel\u016f m\u011bn\u00ed n\u00e1kupn\u00ed strategii \u2013 z\u00a0nich bezm\u00e1la t\u0159etina (30 %) hodl\u00e1 na d\u00e1rc\u00edch u\u0161et\u0159it, zbyl\u00fdch 9 % naopak hodl\u00e1 utratit za d\u00e1rky v\u00edce, aby udr\u017eeli standard, na kter\u00fd byli jejich bl\u00edzc\u00ed zvykl\u00ed.<\/p>\n<p><strong>Utr\u00e1c\u00edme jinak ne\u017e vloni<\/strong><\/p>\n<p>Podle lo\u0148sk\u00e9ho pr\u016fzkumu UniCredit Bank nej\u010dast\u011bji (33 %) \u010ce\u0161i utratili za d\u00e1rky v\u00a0rozmez\u00ed 2501\u20135000 K\u010d, p\u0159i\u010dem\u017e tento pr\u016fm\u011br z\u016fstal zachov\u00e1n i letos (28 %). Zm\u011bnil se v\u0161ak po\u010det t\u011bch, kte\u0159\u00ed utrat\u00ed za V\u00e1noce minimum, i t\u011bch, kte\u0159\u00ed nakupuj\u00ed d\u00e1rky v\u00a0\u0159\u00e1d\u016f tis\u00edc\u016f korun. Lid\u00e9, kte\u0159\u00ed utr\u00e1c\u00ed nejv\u00edce, b\u00fdvaj\u00ed st\u0159edn\u00edho v\u011bku (54\u201365 let), co\u017e lze od\u016fvodnit t\u00edm, \u017ee maj\u00ed za sebou \u0159adu let pracovn\u00edch zku\u0161enost\u00ed a nejv\u011bt\u0161\u00ed \u00faspory ne\u017e nejmlad\u0161\u00ed skupina dosp\u011bl\u00fdch (18\u201326 let), kter\u00e1 tak\u00e9 za d\u00e1rky vyd\u00e1 nejm\u00e9n\u011b pen\u011bz. \u00a0Dal\u0161\u00edm d\u016fvodem m\u016f\u017ee b\u00fdt vy\u0161\u0161\u00ed po\u010det \u010dlen\u016f rodiny, a\u0165 u\u017e jde o d\u011bti \u010di vnou\u010data.nejv\u00edce sv\u00e9 n\u00e1kupn\u00ed zvyky m\u011bn\u00ed v\u00edce\u010dlenn\u00e9 dom\u00e1cnosti<\/p>\n<p>Rodiny se \u010dty\u0159mi a v\u00edce \u010dleny letos m\u011bn\u00ed n\u00e1kupn\u00ed strategii nej\u010dast\u011bji. Ze v\u0161ech respondent\u016f budou nejv\u00edce utr\u00e1cet v\u00edce\u010dlenn\u00e9 dom\u00e1cnosti, tak\u00e9 ale nej\u010dast\u011bji pl\u00e1nuj\u00ed \u0161et\u0159it. V\u00a0obou p\u0159\u00edpadech se d\u00e1 p\u0159edpokl\u00e1dat, \u017ee d\u016fvodem je nutnost kupovat v\u00edce d\u00e1rk\u016f pro v\u00edce \u010dlen\u016f dom\u00e1cnosti, co\u017e se m\u016f\u017ee prodra\u017eit. Pr\u016fm\u011brn\u011b cht\u011bj\u00ed lid\u00e9 u\u0161et\u0159it alespo\u0148 2\u00a0000 K\u010d.<\/p>\n<p>A\u010dkoliv \u010ce\u0161i \u010dasto cht\u011bj\u00ed \u0161et\u0159it, jen minimum z nich (9 %) uva\u017euje tak\u00e9 o mo\u017enosti obdarovat sv\u00e9 bl\u00edzk\u00e9 finan\u010dn\u00edm produktem, kter\u00fd by \u0161et\u0159il pen\u00edze i jim. D\u016fvodem m\u016f\u017ee b\u00fdt nedostate\u010dn\u00e1 znalost v\u00fdhod term\u00ednovan\u00fdch vklad\u016f, spo\u0159ic\u00edch \u00fa\u010dt\u016f \u010di investic. Panuje tak\u00e9 obava, \u017ee investovat je riskantn\u00ed a \u010dlov\u011bk m\u016f\u017ee p\u0159ij\u00edt o ve\u0161ker\u00e9 \u00faspory. Ulo\u017eit pen\u00edze na spo\u0159ic\u00ed \u00fa\u010det nebo term\u00ednovan\u00fd vklad je p\u0159itom zcela bezpe\u010dn\u00e9, bezplatn\u00e9 a obdarovan\u00fd se m\u016f\u017ee t\u011b\u0161it z uspo\u0159en\u00fdch pen\u011bz, kter\u00e9 se mu na \u00fa\u010dtu uspo\u0159\u00ed. Nov\u00ed klienti UniCredit Bank mohou vyu\u017e\u00edt nab\u00eddky zalo\u017eit si b\u011b\u017en\u00fd \u00fa\u010det se spo\u0159en\u00edm START, OPEN \u010di TOP, ke kter\u00e9mu dostanou \u00farok 6 % k \u010d\u00e1stk\u00e1m do 500 000 K\u010d. Nab\u00eddka plat\u00ed do konce roku. Nab\u00edz\u00edme tak\u00e9 term\u00ednovan\u00e9 vklady s \u00farokovou sazbu 5,5 % p\u0159i ulo\u017een\u00ed na 12 m\u011bs\u00edc\u016f.<strong>\u00a0<\/strong><\/p>\n<p><strong>O pr\u016fzkumu<\/strong><\/p>\n<p>Pr\u016fzkumu o pl\u00e1novan\u00fdch \u00fatrat\u00e1ch za v\u00e1no\u010dn\u00ed d\u00e1rky se z\u00fa\u010dastnilo 1015 respondent\u016f z\u00a0\u010cesk\u00e9 republiky. UniCredit\u00a0Bank\u202fv listopadu 2022 oslovila respondenty\u202fprost\u0159ednictv\u00edm online dotazov\u00e1n\u00ed. Pr\u016fzkum realizovala v\u00fdzkumn\u00e1 agentura IPSOS.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Lo\u0148sk\u00e9 V\u00e1noce byly i navzdory pandemii koronaviru \u0161t\u011bdr\u00e9. Letos ale t\u0159i z\u00a0deseti \u010cech\u016f (30 %) pl\u00e1nuj\u00ed kv\u016fli vysok\u00e9 inflaci a cen\u00e1m energi\u00ed m\u00e9n\u011b utr\u00e1cet za <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=328\" title=\"UCB: Nad\u00edlka pod strome\u010dkem bude letos chud\u0161\u00ed\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":329,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-328","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\/328","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=328"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/328\/revisions"}],"predecessor-version":[{"id":330,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/328\/revisions\/330"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/329"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=328"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=328"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=328"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}