[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kalf.cz\/financovani-zivota-mladych-rodin\/#Article","mainEntityOfPage":"https:\/\/www.kalf.cz\/financovani-zivota-mladych-rodin\/","headline":"Financov\u00e1n\u00ed \u017eivota mlad\u00fdch rodin","name":"Financov\u00e1n\u00ed \u017eivota mlad\u00fdch rodin","description":"V\u0161emi je doporu\u010dov\u00e1no, abychom si rodinu zalo\u017eili, dokud jsme mlad\u00ed a zdrav\u00ed. Je v\u0161ak n\u011bkolik „z\u00e1klad\u016f“, kter\u00e9 by m\u011bly potomkovi p\u0159edch\u00e1zet. V dne\u0161n\u00ed dob\u011b jsou v\u0161ak investice do \u017eivota finan\u010dn\u011b n\u00e1ro\u010dn\u00e9. Svatba D\u0159\u00edve bylo b\u011b\u017enou sou\u010d\u00e1st\u00ed spole\u010dn\u00e9ho \u017eivota, \u017ee se dva lid\u00e9 vzali a pot\u00e9 zalo\u017eili rodinu. Dnes tento zvyk pon\u011bkud opadl. Pokud se v\u0161ak p\u00e1r […]","datePublished":"2019-06-12","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.kalf.cz\/author\/#Person","name":"","url":"https:\/\/www.kalf.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f677d652d46d6437b40497bee38030612d53a3103b24904f519be33cae485306?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f677d652d46d6437b40497bee38030612d53a3103b24904f519be33cae485306?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kalf.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kalf.cz\/wp-content\/uploads\/img_a348819_w2566_t1563649113.jpg","url":"https:\/\/www.kalf.cz\/wp-content\/uploads\/img_a348819_w2566_t1563649113.jpg","height":0,"width":0},"url":"https:\/\/www.kalf.cz\/financovani-zivota-mladych-rodin\/","about":["Finance"],"wordCount":652,"articleBody":"V\u0161emi je doporu\u010dov\u00e1no, abychom si rodinu zalo\u017eili, dokud jsme mlad\u00ed a zdrav\u00ed. Je v\u0161ak n\u011bkolik „z\u00e1klad\u016f“, kter\u00e9 by m\u011bly potomkovi p\u0159edch\u00e1zet. V dne\u0161n\u00ed dob\u011b jsou v\u0161ak investice do \u017eivota finan\u010dn\u011b n\u00e1ro\u010dn\u00e9.\tSvatbaD\u0159\u00edve bylo b\u011b\u017enou sou\u010d\u00e1st\u00ed spole\u010dn\u00e9ho \u017eivota, \u017ee se dva lid\u00e9 vzali a pot\u00e9 zalo\u017eili rodinu. Dnes tento zvyk pon\u011bkud opadl.Pokud se v\u0161ak p\u00e1r rozhodne, \u017ee se stanou man\u017eeli, bude je to st\u00e1t nemal\u00e9 mno\u017estv\u00ed finan\u010dn\u00edch prost\u0159edk\u016f. J\u00e1 jsem toho n\u00e1zoru, \u017ee svatba by m\u011bla b\u00fdt jednou za \u017eivot a tud\u00ed\u017e by se na n\u00ed nem\u011blo \u0161et\u0159it. Samoz\u0159ejm\u011b, n\u011bkdo nestoj\u00ed o \u017e\u00e1dnou velkou akci a velk\u00fd po\u010det host\u016f. Bohu\u017eel, i za okolnost\u00ed, \u017ee se bude jednat o men\u0161\u00ed svatbu, je tato \u017eivotn\u00ed ud\u00e1lost finan\u010dn\u011b n\u00e1ro\u010dn\u00e1.Na z\u00e1klad\u011b pr\u016fzkumu n\u011bkolika na sob\u011b nez\u00e1visl\u00fdch web\u016f se minim\u00e1ln\u00ed \u010d\u00e1stka za svatbu pohybuje a\u017e k 50 000 K\u010d. Kdy\u017e se rozhodneme, \u017ee na\u0161i svatbu chceme pro\u017e\u00edt dle na\u0161ich sn\u016f, vy\u0161plh\u00e1me se klidn\u011b k \u010d\u00e1stce a\u017e 150 000 K\u010d. Dle m\u00e9ho n\u00e1zoru se opravdu nejedn\u00e1 o mal\u00e9 pen\u00edze, kter\u00e9 jsou dostupn\u00e9 ka\u017ed\u00e9mu mlad\u00e9mu p\u00e1ru.\tBydlen\u00edZde se naskytuje mo\u017enost volby. Bu\u010f bydlen\u00ed v pron\u00e1jmu, nebo pomoc\u00ed hypot\u00e9ky z\u00edskat vlastn\u00ed domov.Bydlen\u00ed v pron\u00e1jmu je rozhodn\u011b dostupn\u011bj\u0161\u00ed, ne\u017e z\u00edsk\u00e1n\u00ed hypot\u00e9ky. Dne\u0161n\u00ed ceny n\u00e1jm\u016f jsou ale opravdu vysok\u00e9. Ne ka\u017ed\u00e9mu tedy vyhovuje platit za klasick\u00fd byt 2+1 cca 10 000 – 14 000 K\u010d m\u011bs\u00ed\u010dn\u011b. Dnes u\u017e ani neb\u00fdv\u00e1 zvykem, \u017ee n\u00e1jemci dostanou smlouvu na neur\u010dito. Smlouvy b\u00fdvaj\u00ed na rok a po jej\u00edm skon\u010den\u00ed se na dal\u0161\u00ed rok op\u011bt prodlou\u017e\u00ed. M\u016f\u017ee se tedy st\u00e1t, \u017ee n\u00e1m po skon\u010den\u00ed nebude n\u00e1sledn\u011b prodlou\u017eena a my nebudeme m\u00edt kam j\u00edt.Mo\u017enosti z\u00edsk\u00e1n\u00ed hypot\u00e9ky jsou v\u0161ak pro n\u011bkter\u00e9 nedostupn\u00e9. Dle moment\u00e1ln\u00edch „pravidel“ mus\u00edte m\u00edt na\u0161et\u0159eno 20% z ceny nemovitosti, co\u017e z pr\u016fm\u011brn\u00e9 ceny bytu 2 500 000 K\u010d, je 500 000 K\u010d. Pro spoustu mlad\u00fdch p\u00e1r\u016f\/man\u017eel\u016f je tato \u010d\u00e1stka nemo\u017en\u00e1 k dosa\u017een\u00ed. P\u0159i pr\u016fm\u011brn\u00e9m platu 25 000 K\u010d to p\u0159edstavuje n\u011bkolikalet\u00e9 \u0161et\u0159en\u00ed, omezov\u00e1n\u00ed se ve v\u00fdb\u011bru dovolen\u00e9 apod.\tZalo\u017een\u00ed rodinyV ned\u00e1vn\u00e9 report\u00e1\u017ei v televizi bylo \u0159e\u010deno, \u017ee p\u0159edt\u00edm, ne\u017e se miminko narod\u00ed, by rodina m\u011bla m\u00edt na\u0161et\u0159eno cca 150 000 K\u010d. To nen\u00ed m\u00e1lo pen\u011bz, ne? Tato \u010d\u00e1stka je na jednu stranu v podstat\u011b logick\u00e1. V\u00fdbava pro miminko stoj\u00ed velk\u00e9 pen\u00edze a v\u00fd\u0161e mate\u0159sk\u00e9\/rodi\u010dovsk\u00e9 je dost b\u00eddn\u00e1. Pokud chce tedy rodina v pr\u016fb\u011bhu cel\u00e9 mate\u0159sk\u00e9\/rodi\u010dovsk\u00e9 dovolen\u00e9 vych\u00e1zet bez finan\u010dn\u00edch kriz\u00ed, je opravdu velice vhodn\u00e9 m\u00edt vy\u0161\u0161\u00ed finan\u010dn\u00ed rezervu.\tDoporu\u010den\u00ed?\u0160ET\u0158IT, \u0160ET\u0158IT, \u0160ET\u0158IT. Pokud je pro v\u00e1s spokojen\u00fd \u017eivot se \u0161\u0165astnou rodinnou \u017eivotn\u00ed prioritou, tak v\u00e1m nic jin\u00e9ho nejsp\u00ed\u0161 nezbyde – pokud samoz\u0159ejm\u011b nejste finan\u010dn\u011b zabezpe\u010deni od sv\u00fdch \u00fasp\u011b\u0161n\u00fdch rodi\u010d\u016f (nebo pokud vy sami nejste \u00fasp\u011b\u0161n\u00ed). Ale, ne ka\u017ed\u00fd m\u00e1 to \u0161t\u011bst\u00ed J. Ka\u017edop\u00e1dn\u011b se nau\u010dme \u017e\u00edt s t\u00edm, co m\u00e1me a pokud n\u00e1m to nesta\u010d\u00ed, ud\u011blejme v\u0161e pro to, aby tomu bylo jinak! P\u0159eji v\u00e1m mnoho \u0161t\u011bst\u00ed p\u0159i cest\u011b za spokojen\u00fdm \u017eivotem!                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Financov\u00e1n\u00ed \u017eivota mlad\u00fdch rodin","item":"https:\/\/www.kalf.cz\/financovani-zivota-mladych-rodin\/#breadcrumbitem"}]}]