[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bocnice.cz\/vanoce-na-dluh\/#Article","mainEntityOfPage":"https:\/\/www.bocnice.cz\/vanoce-na-dluh\/","headline":"V\u00e1noce na dluh","name":"V\u00e1noce na dluh","description":"P\u016fj\u010dky na v\u00e1no\u010dn\u00ed d\u00e1rky, stejn\u011b tak na dovolen\u00e9, jsou podle finan\u010dn\u00edch expert\u016f nejhor\u0161\u00edm mo\u017en\u00fdm d\u016fvodem. … ","datePublished":"2019-12-11","dateModified":"2023-06-08","author":{"@type":"Person","@id":"https:\/\/www.bocnice.cz\/author\/#Person","name":"","url":"https:\/\/www.bocnice.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/55e7fbc61e9322b6822dac9bb7a03f27da3135fab89e5bb0463eeaffc32ea652?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/55e7fbc61e9322b6822dac9bb7a03f27da3135fab89e5bb0463eeaffc32ea652?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bocnice.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bocnice.cz\/wp-content\/uploads\/img_a364263_w4372_t1576935867.jpg","url":"https:\/\/www.bocnice.cz\/wp-content\/uploads\/img_a364263_w4372_t1576935867.jpg","height":0,"width":0},"url":"https:\/\/www.bocnice.cz\/vanoce-na-dluh\/","about":["Dom\u00e1cnost"],"wordCount":421,"articleBody":"P\u016fj\u010dky na v\u00e1no\u010dn\u00ed d\u00e1rky, stejn\u011b tak na dovolen\u00e9, jsou podle finan\u010dn\u00edch expert\u016f nejhor\u0161\u00edm mo\u017en\u00fdm d\u016fvodem. Nakoupen\u00e9 d\u00e1rky se je\u0161t\u011b prodra\u017e\u00ed o \u00faroky a z\u00e1rove\u0148 hroz\u00ed neschopnost jejich splacen\u00ed. Drobn\u00e9 \u00fav\u011bry v \u0159\u00e1du tis\u00edcikorun jsou pr\u00e1v\u011b ty, kter\u00e9 d\u00e1vaj\u00ed dlu\u017en\u00edky do rukou exekutor\u016f. Poradci p\u0159es finance doporu\u010duj\u00ed p\u016fj\u010dku p\u0159edev\u0161\u00edm jako investici do budoucna (koup\u011b nemovitosti, automobilu, a podobn\u011b), rozhodn\u011b by se nem\u011blo jednat o chvilkovou pot\u011bchu.\u010cesk\u00e9 bankovn\u00ed asociace provedla v listopadu pr\u016fzkum, jeho\u017e v\u00fdsledkem je zpr\u00e1va, \u017ee si na v\u00e1no\u010dn\u00ed d\u00e1rky chce letos p\u016fj\u010dit t\u00e9m\u011b\u0159 7 % \u010cech\u016f, nej\u010dast\u011bji mlad\u0161\u00edch 35 let. V\u00e1no\u010dn\u00ed euforie a moment\u00e1ln\u00ed rozpolo\u017een\u00ed spolu se shonem a stresem upozadn\u00ed racion\u00e1ln\u00ed uva\u017eov\u00e1n\u00ed. K vyst\u0159\u00edzliv\u011bn\u00ed dojde a\u017e po sv\u00e1tc\u00edch, kdy p\u0159ijdou na \u0159adu spl\u00e1tky, kter\u00e9 ovlivn\u00ed rodinn\u00fd rozpo\u010det. Dlu\u017en\u00edci se \u010dasto v\u011bnuj\u00ed smluvn\u00edm podm\u00ednk\u00e1m a\u017e v tomto obdob\u00ed a st\u00e1v\u00e1 se, \u017ee b\u00fdvaj\u00ed nemile p\u0159ekvapeni.Dobr\u00fdm zp\u016fsobem pro po\u0159\u00edzen\u00ed d\u00e1rk\u016f mohou b\u00fdt pov\u00e1no\u010dn\u00ed v\u00fdprodeje. P\u0159edv\u00e1no\u010dn\u00ed obdob\u00ed je pro obchodn\u00edky zlat\u00fdmi \u010dasy. Ceny jsou ve velk\u00e9 m\u00ed\u0159e um\u011ble nav\u00fd\u0161eny, nebo\u0165 kupuj\u00edc\u00ed se nech\u00e1vaj\u00ed un\u00e9st nad\u0161en\u00edm i v tomto sm\u011bru.Pokud se opravdu rozhodnete pro p\u016fj\u010dku, je dobr\u00e9 se v klidu zamyslet nad svoji finan\u010dn\u00ed situac\u00ed. Zbyde na spl\u00e1cen\u00ed spl\u00e1tky po se\u010dten\u00ed v\u0161ech p\u0159\u00edjm\u016f a v\u00fddaj\u016f nebo hroz\u00ed dluhov\u00e1 past spo\u010d\u00edvaj\u00edc\u00ed v dal\u0161\u00edch p\u016fj\u010dk\u00e1ch. Nemluv\u011b o tom, \u017ee ka\u017ed\u00e1 dom\u00e1cnost by si m\u011bla vytvo\u0159it \u017eeleznou rezervu pro r\u016fzn\u00e9 nenad\u00e1l\u00e9 p\u0159\u00edpady (nemoc, ztr\u00e1ta zam\u011bstn\u00e1n\u00ed). Z\u00e1rove\u0148 je d\u016fle\u017eit\u00e9 se zamyslet, koho o p\u016fj\u010dku po\u017e\u00e1d\u00e1me. Pokud n\u00e1m p\u016fj\u010dku neposkytnou zn\u00e1m\u00ed nebo rodina, m\u011bly by na\u0161e kroky v\u00e9st do bankovn\u00edch instituc\u00ed. Pokud p\u016fj\u010dku zam\u00edtnou, je k tomu asi opravdu d\u016fvod. Nebankovn\u00ed instituce p\u016fj\u010d\u00ed bez zhodnocen\u00ed situace. Nicm\u00e9n\u011b, pr\u00e1v\u011b klienti t\u011bchto instituc\u00ed se dost\u00e1vaj\u00ed \u010dasto do dluhov\u00e9ho koloto\u010de, kter\u00fd nem\u00edv\u00e1 \u0161\u0165astn\u00fd konec.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V\u00e1noce na dluh","item":"https:\/\/www.bocnice.cz\/vanoce-na-dluh\/#breadcrumbitem"}]}]