[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/pshs.cz\/zit-na-dluh-povazuje-vetsina-cechu-za-neco-prirozeneho\/#Article","mainEntityOfPage":"https:\/\/pshs.cz\/zit-na-dluh-povazuje-vetsina-cechu-za-neco-prirozeneho\/","headline":"\u017d\u00edt na dluh pova\u017euje v\u011bt\u0161ina \u010cech\u016f za n\u011bco p\u0159irozen\u00e9ho","name":"\u017d\u00edt na dluh pova\u017euje v\u011bt\u0161ina \u010cech\u016f za n\u011bco p\u0159irozen\u00e9ho","description":"P\u016fj\u010dky a \u00fav\u011bry jsou druhem finan\u010dn\u00ed slu\u017eby, kdy je v\u011b\u0159itel za n\u00ed odm\u011bn\u011bn ve form\u011b \u00farok\u016f. V dob\u011b hospod\u00e1\u0159sk\u00e9 konjunktury by se dalo p\u0159edpokl\u00e1dat, \u017ee lid\u00e9 v\u00edce vyd\u011bl\u00e1vaj\u00ed, a \u017ee nakupuj\u00ed zbo\u017e\u00ed ze sv\u00fdch \u00faspor, ale opak je pravdou. N\u00e1r\u016fst obliby p\u016fj\u010dek Konec hospod\u00e1\u0159sk\u00e9 krize a po\u010d\u00ednaj\u00edc\u00ed konjunktura v Evrop\u011b i v \u010cesk\u00e9 republice s […]","datePublished":"2018-06-26","dateModified":"2018-06-26","author":{"@type":"Person","@id":"https:\/\/pshs.cz\/author\/#Person","name":"","url":"https:\/\/pshs.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pshs.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/pshs.cz\/wp-content\/uploads\/img_a321513_w2200_t1532763633.jpg","url":"https:\/\/pshs.cz\/wp-content\/uploads\/img_a321513_w2200_t1532763633.jpg","height":0,"width":0},"url":"https:\/\/pshs.cz\/zit-na-dluh-povazuje-vetsina-cechu-za-neco-prirozeneho\/","wordCount":435,"articleBody":"P\u016fj\u010dky a \u00fav\u011bry jsou druhem finan\u010dn\u00ed slu\u017eby, kdy je v\u011b\u0159itel za n\u00ed odm\u011bn\u011bn ve form\u011b \u00farok\u016f. V dob\u011b hospod\u00e1\u0159sk\u00e9 konjunktury by se dalo p\u0159edpokl\u00e1dat, \u017ee lid\u00e9 v\u00edce vyd\u011bl\u00e1vaj\u00ed, a \u017ee nakupuj\u00ed zbo\u017e\u00ed ze sv\u00fdch \u00faspor, ale opak je pravdou. N\u00e1r\u016fst obliby p\u016fj\u010dek Konec hospod\u00e1\u0159sk\u00e9 krize a po\u010d\u00ednaj\u00edc\u00ed konjunktura v Evrop\u011b i v \u010cesk\u00e9 republice s sebou p\u0159inesla fenomen\u00e1ln\u00ed n\u00e1r\u016fst z\u00e1jmu o p\u016fj\u010dky a \u00fav\u011bry. Ten za\u010dal nab\u00edrat na intenzit\u011b zhruba od roku 2013 a ji\u017e za t\u0159i roky se po\u010det zadlu\u017een\u00fdch jednotlivc\u016f i dom\u00e1cnost\u00ed ztrojn\u00e1sobil. Koncem roku 2016 statistiky uvedly, \u017ee v \u010cesku pen\u00edze dlu\u017e\u00ed v\u00edce ne\u017e 30 procent lid\u00ed. Dal\u0161\u00ed t\u0159etina re\u00e1ln\u011b o p\u016fj\u010dce uva\u017euje . V\u00edce ne\u017e 65 procent dosp\u011bl\u00fdch lid\u00ed v na\u0161\u00ed zemi pova\u017euje \u017e\u00edt na dluh za naprosto p\u0159irozen\u00fd jev. Zda to n\u011bjak\u00fdm zp\u016fsobem souvis\u00ed i s faktem, \u017ee celorepublikov\u00fd st\u00e1tn\u00ed dluh ji\u017e p\u0159es\u00e1hl dva biliony korun, statistiky neuv\u00e1d\u00ed. Na co si lid\u00e9 p\u016fj\u010duj\u00ed Na cokoliv. A to doslova. A mohou to b\u00fdt i bizarn\u00ed situace, nap\u0159. na n\u00e1kup v\u00e1no\u010dn\u00edch d\u00e1rk\u016f, na cestu kolem sv\u011bta, na vysn\u011bnou dovolenou u mo\u0159e, na pot\u00e1p\u011b\u010dsk\u00fd v\u00fdcvik, dokonce i na m\u011bs\u00ed\u010dn\u00ed p\u0159edplatn\u00e9 erotick\u00fdch slu\u017eeb. V\u011bt\u0161inou v\u0161ak jde o z\u00e1le\u017eitosti seri\u00f3zn\u00ed, nap\u0159. zakoupen\u00ed vybaven\u00ed dom\u00e1cnosti, na rekonstrukci bytu \u010di domu, leasing pro po\u0159\u00edzen\u00ed automobilu, na v\u00fdrobn\u00ed prost\u0159edky pro podnikatele. Nej\u010dast\u011bji jde v\u0161ak o hypote\u010dn\u00ed \u00fav\u011bry pro zaji\u0161t\u011bn\u00ed vlastn\u00edho bydlen\u00ed. Co se t\u00fd\u010de vzd\u011bl\u00e1n\u00ed a \u017eivotn\u00edho rozhledu, d\u00e1 se p\u0159edpokl\u00e1dat, \u017ee se zadlu\u017euj\u00ed sp\u00ed\u0161e lid\u00e9 se z\u00e1kladn\u00edm vzd\u011bl\u00e1n\u00edm, ale nen\u00ed tomu tak. Vzd\u011bl\u00e1n\u00ed nen\u00ed v tomto ohledu rozhoduj\u00edc\u00ed, p\u0159eva\u017euj\u00ed dokonce zadlu\u017een\u00ed vysoko\u0161kol\u00e1ci, a to zejm\u00e9na v p\u0159\u00edpad\u011b hypot\u00e9ky. Lid\u00e9 s v\u00fdu\u010dn\u00edm listem, nebo bez vzd\u011bl\u00e1n\u00ed naopak \u010dast\u011bji nav\u0161t\u011bvuj\u00ed poskytovatele nebankovn\u00ed, kte\u0159\u00ed nab\u00edz\u00ed \u00fav\u011bry rychleji a snaz\u0161\u00ed cestou, i za cenu vy\u0161\u0161\u00edch \u00farokov\u00fdch sazeb. Za p\u016fj\u010dku lze v\u0161ak pova\u017eovat i kontokorent na b\u011b\u017en\u00e9m bankovn\u00edm \u00fa\u010dtu, t\u011bchto slu\u017eeb vyu\u017e\u00edv\u00e1 t\u00e9m\u011b\u0159 polovina obyvatel \u010ceska.                                                                                                                                                                                                                                                                                                                                                                                                 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