[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hanyo.cz\/my-a-dluhy\/#Article","mainEntityOfPage":"https:\/\/www.hanyo.cz\/my-a-dluhy\/","headline":"My a dluhy","name":"My a dluhy","description":"Jak jsem se na internetu do\u010detl, vyplynulo z\u00a0pr\u016fzkumu chov\u00e1n\u00ed na\u0161inc\u016f vcelku neblah\u00e9 zji\u0161t\u011bn\u00ed. A to to, \u017ee se v\u00a0pr\u016fm\u011bru ka\u017ed\u00fd t\u0159et\u00ed \u010cech rizikov\u011b zadlu\u017euje. Podle agentury SC&amp;C m\u011blo z\u00a0lid\u00ed dot\u00e1zan\u00fdch v\u00a0pr\u016fb\u011bhu \u00fanora \u0161edes\u00e1t procent n\u011bjakou zku\u0161enost s\u00a0n\u00e1kupem na \u00fav\u011br, a z\u00a0t\u011bchto nadpolovi\u010dn\u00ed v\u011bt\u0161ina dosud st\u00e1le spl\u00e1c\u00ed. V\u011bt\u0161ina z\u00a0t\u011bch, kdo se aspo\u0148 n\u011bkdy takto zadlu\u017eili, se ...<br><div class=\"Read-more-div\"><a class=\"Read-more-button\" href=\"https:\/\/www.hanyo.cz\/my-a-dluhy\/\">Continue Reading &raquo;<\/a><\/div>","datePublished":"2023-05-11","dateModified":"2023-05-11","author":{"@type":"Person","@id":"https:\/\/www.hanyo.cz\/author\/#Person","name":"","url":"https:\/\/www.hanyo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/020fed30ca967737eb0c640f241d660d0f18cb15fe876f045fbf23eb8510c133?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/020fed30ca967737eb0c640f241d660d0f18cb15fe876f045fbf23eb8510c133?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hanyo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.hanyo.cz\/wp-content\/uploads\/img_a338846_w2689_t1551524922.jpg","url":"https:\/\/www.hanyo.cz\/wp-content\/uploads\/img_a338846_w2689_t1551524922.jpg","height":0,"width":0},"url":"https:\/\/www.hanyo.cz\/my-a-dluhy\/","wordCount":613,"articleBody":"Jak jsem se na internetu do\u010detl, vyplynulo z\u00a0pr\u016fzkumu chov\u00e1n\u00ed na\u0161inc\u016f vcelku neblah\u00e9 zji\u0161t\u011bn\u00ed. A to to, \u017ee se v\u00a0pr\u016fm\u011bru ka\u017ed\u00fd t\u0159et\u00ed \u010cech rizikov\u011b zadlu\u017euje. Podle agentury SC&amp;C m\u011blo z\u00a0lid\u00ed dot\u00e1zan\u00fdch v\u00a0pr\u016fb\u011bhu \u00fanora \u0161edes\u00e1t procent n\u011bjakou zku\u0161enost s\u00a0n\u00e1kupem na \u00fav\u011br, a z\u00a0t\u011bchto nadpolovi\u010dn\u00ed v\u011bt\u0161ina dosud st\u00e1le spl\u00e1c\u00ed.\tV\u011bt\u0161ina z\u00a0t\u011bch, kdo se aspo\u0148 n\u011bkdy takto zadlu\u017eili, se v\u00a0onom pr\u016fzkumu zpravidla shodla na tom, \u017ee je zadlu\u017een\u00ed bezpe\u010dn\u00e9 tehdy, tvo\u0159\u00ed-li celkov\u00e9 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky maxim\u00e1ln\u011b p\u011btinu \u010dist\u00e9ho p\u0159\u00edjmu. Co\u017e by mohlo vypadat vcelku rozumn\u011b. \u010c\u00edm\u017e ale rozumnost po\u010d\u00edn\u00e1n\u00ed si na\u0161inc\u016f v\u00a0ot\u00e1zce p\u016fj\u010dek nejednou kon\u010d\u00ed.\tJak ji\u017e zazn\u011blo v\u00fd\u0161e, ka\u017ed\u00fd t\u0159et\u00ed na\u0161ince se zadlu\u017euje rizikov\u011b. Co\u017e znamen\u00e1, \u017ee si p\u016fj\u010duje v\u00edce, ne\u017e je schopen zaru\u010den\u011b splatit, kdyby se stalo n\u011bco nep\u0159edv\u00eddateln\u00e9ho, nebo je ochoten \u0159e\u0161it p\u0159\u00edpadnou neschopnost spl\u00e1cet zp\u016fsobem, kter\u00fd je sp\u00ed\u0161e ne\u017e \u0159e\u0161en\u00edm u\u010din\u011bnou cestou do horouc\u00edch pekel.\t\tLid\u00e9 si pr\u00fd u n\u00e1s u\u017e nepo\u010d\u00ednaj\u00ed p\u0159\u00edli\u0161 \u010dasto tak hloup\u011b, aby si p\u016fj\u010dovali nemal\u00e9 pen\u00edze na zaplacen\u00ed dovolen\u00e9 nebo jin\u00e9 zjevn\u00e9 zbyte\u010dnosti, je\u017e by jim sice mohla ud\u011blat dob\u0159e, ale pozd\u011bji by z\u00a0n\u00ed nejsp\u00ed\u0161e m\u011bli jenom vr\u00e1sky na \u010dele, ov\u0161em k\u00a0ide\u00e1lu m\u00e1me my \u010ce\u0161i st\u00e1le je\u0161t\u011b daleko.\tCo\u017e se t\u00fdk\u00e1 p\u0159edev\u0161\u00edm mlad\u00fdch lid\u00ed ve v\u011bku od osmn\u00e1cti do \u010dty\u0159iat\u0159iceti let a lid\u00ed s ni\u017e\u0161\u00edm vzd\u011bl\u00e1n\u00edm, kte\u0159\u00ed si nejednou berou \u00fav\u011bry od v\u00edce poskytovatel\u016f a p\u0159\u00edpadnou neschopnost spl\u00e1cet by pr\u00fd cel\u00e1 t\u0159etina z\u00a0nich klidn\u011b \u0159e\u0161ila formou spl\u00e1cen\u00ed p\u016fj\u010dek dal\u0161\u00edmi p\u016fj\u010dkami, co\u017e je jak zn\u00e1mo nedobr\u00e9 \u0159e\u0161en\u00ed.\tAle p\u016fj\u010duj\u00ed si nejenom mlad\u00ed, p\u016fj\u010duj\u00ed si v\u0161ichni. A to \u010d\u00edm d\u00e1l v\u00edc a na cokoliv. P\u0159i\u010dem\u017e shled\u00e1vaj\u00ed svoji budouc\u00ed schopnost spl\u00e1cet optimisticky a z\u00a0dluh\u016f tak strach nemaj\u00ed. Z\u0159ejm\u011b kv\u016fli na\u0161\u00ed ekonomice, je\u017e posledn\u00ed dobou roste a prov\u00e1zej\u00ed ji i rostouc\u00ed mzdy. Co\u017e ale \u2013 jak zn\u00e1mo \u2013 nemus\u00ed trvat a tak\u00e9 nepotrv\u00e1 v\u011b\u010dn\u011b. A co bude pak?\tKdyby pr\u00fd dotazovan\u00ed na\u0161inci nebyli schopni spl\u00e1cet, \u0159e\u0161ili by to ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f jedn\u00e1n\u00edm o odkladu spl\u00e1tek \u010di jejich konsolidac\u00ed. Ov\u0161em je tu i mnoho rizikov\u00fdch faktor\u016f, jako t\u0159eba ochota kr\u00fdt spl\u00e1tky dal\u0161\u00edmi p\u016fj\u010dkami nebo vy\u0161\u0161\u00ed po\u010det p\u016fj\u010dek sou\u010dasn\u011b. Kv\u016fli \u010demu\u017e n\u00e1m vych\u00e1z\u00ed po p\u0159epo\u010dten\u00ed na celou dosp\u011blou populaci, \u017ee se 1,58 milionu dosp\u011bl\u00fdch na\u0161inc\u016f zadlu\u017euje rizikov\u011b.\t\tTedy mohou skon\u010dit \u0161patn\u011b.\tA to proto, \u017ee si p\u016fj\u010duj\u00ed neuv\u00e1\u017een\u011b. Jenom proto, \u017ee cht\u011bj\u00ed n\u011bco, na co nemaj\u00ed pen\u00edze, \u017ee necht\u011bj\u00ed \u010dekat, a\u017e si na to na\u0161et\u0159\u00ed nebo \u017ee se jim p\u0159iplete do cesty n\u011bjak\u00e1 v\u00fdhodn\u00e1 akce na spl\u00e1tky s nulov\u00fdm \u010di n\u00edzk\u00fdm \u00farokem.\tA kdo by \u010dekal, a\u017e bude m\u00edt jednou pen\u00edze, \u017ee? Kdy m\u016f\u017ee m\u00edt v\u0161e hned a (do)platit na to a\u017e pozd\u011bji.                                                                                                                                                                                                                                                                                                                                                                                        2\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"My a dluhy","item":"https:\/\/www.hanyo.cz\/my-a-dluhy\/#breadcrumbitem"}]}]