[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kalf.cz\/mit-dluhy-na-zivotni-uroven\/#Article","mainEntityOfPage":"https:\/\/www.kalf.cz\/mit-dluhy-na-zivotni-uroven\/","headline":"M\u00edt dluhy na \u017eivotn\u00ed \u00farove\u0148","name":"M\u00edt dluhy na \u017eivotn\u00ed \u00farove\u0148","description":"Zadlu\u017eenost z\u00e1padn\u00ed ekonomiky je velmi vysok\u00e1. A co se t\u00fd\u010de n\u00e1s \u010cech\u016f, tak na tom nejsme nejl\u00e9pe. N\u00e1\u0161 st\u00e1tn\u00ed dluh v\u00a0tomto roce p\u0159esahuje u\u017e 1,7 bilion\u016f \u010desk\u00fdch korun. Kdy\u017e se nad t\u00edm zamysl\u00ed i laik, tak ho mo\u017en\u00e1 napadne, jak dlouho to m\u016f\u017ee je\u0161t\u011b trvat, ne\u017e bude stabilita \u010desk\u00e9 koruny ohro\u017eena.
 Dluhy by nem\u011bly nikomu […]","datePublished":"2018-09-02","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_a324805_w2566_t1536779574.jpg","url":"https:\/\/www.kalf.cz\/wp-content\/uploads\/img_a324805_w2566_t1536779574.jpg","height":0,"width":0},"url":"https:\/\/www.kalf.cz\/mit-dluhy-na-zivotni-uroven\/","about":["Finance"],"wordCount":508,"articleBody":"Zadlu\u017eenost z\u00e1padn\u00ed ekonomiky je velmi vysok\u00e1. A co se t\u00fd\u010de n\u00e1s \u010cech\u016f, tak na tom nejsme nejl\u00e9pe. N\u00e1\u0161 st\u00e1tn\u00ed dluh v\u00a0tomto roce p\u0159esahuje u\u017e 1,7 bilion\u016f \u010desk\u00fdch korun. Kdy\u017e se nad t\u00edm zamysl\u00ed i laik, tak ho mo\u017en\u00e1 napadne, jak dlouho to m\u016f\u017ee je\u0161t\u011b trvat, ne\u017e bude stabilita \u010desk\u00e9 koruny ohro\u017eena.
Dluhy by nem\u011bly nikomu p\u0159er\u016fst p\u0159es hlavu. Nato\u017e st\u00e1tu. V\u017edy bude z\u00e1le\u017eet na tom, kdo a jak st\u00e1t po finan\u010dn\u00ed str\u00e1nce \u0159\u00edd\u00ed.V\u017edy\u0165 dluhy jak ob\u010dan\u016fm, tak st\u00e1tu nikdo nesma\u017ee. St\u00e1tu jako celku pom\u016f\u017eou jen vybran\u00e9 dan\u011b a ty zaplat\u00ed samoz\u0159ejm\u011b pouze ob\u010dan\u00e9, kte\u0159\u00ed dan\u011b plat\u00ed. \u010cesk\u00e1 n\u00e1rodn\u00ed banka by m\u011bla v\u017edy zas\u00e1hnout tak, aby zadlu\u017eenost byla co nejmen\u0161\u00ed.Je dost smutn\u00e9, \u017ee na\u0161e spole\u010dnost \u017eije na dluh.Bere se to jako samoz\u0159ejmost, \u017ee si ob\u010dan\u00e9 berou spot\u0159ebitelsk\u00e9 \u00fav\u011bry a hypot\u00e9ky. A mnoz\u00ed si p\u0159edem nedok\u00e1\u017eou spo\u010d\u00edtat, jestli na kr\u00e1tk\u00e9 i dlouh\u00e9 spl\u00e1tky budou m\u00edt dostatek finan\u010dn\u00edch prost\u0159edk\u016f. T\u00e9m\u011b\u0159 ka\u017ed\u00fd, kdo se takto zadlu\u017e\u00ed, tak to \u010din\u00ed kv\u016fli vy\u0161\u0161\u00ed \u017eivotn\u00ed \u00farovni. S finan\u010dn\u00ed gramotnost\u00ed by se mn\u011bli lid\u00e9 seznamovat u\u017e na z\u00e1kladn\u00ed \u0161kole.Finan\u010dn\u00ed gramotnost by je m\u011bla v\u00e9st k\u00a0tomu, jak spr\u00e1vn\u011b hospoda\u0159it, hlavn\u011b se nau\u010dit vytv\u00e1\u0159et finan\u010dn\u00ed rezervu. Pak ti, kte\u0159\u00ed si pot\u0159ebuj\u00ed vz\u00edt spot\u0159ebitelsk\u00e9 \u00fav\u011bry nebo hypot\u00e9ku, budou ur\u010dit\u011b v\u00edce obez\u0159etn\u00ed. Kdy\u017e m\u00e1 \u010dlov\u011bk v\u00a0sob\u011b finan\u010dn\u00ed gramotnost \u201ezak\u00f3dovanou\u201c a m\u00e1 n\u011bjakou p\u016fj\u010dku, nem\u011bl by se dostat do neschopnosti spl\u00e1cen\u00ed.
Pen\u00edze na dluh v\u00e1m poskytne t\u00e9m\u011b\u0159 ka\u017ed\u00e1 instituce, ale pokud se dostanete do finan\u010dn\u00edch probl\u00e9m\u016f se spl\u00e1cen\u00edm, jste \u201ezadlu\u017een\u00ed a\u017e po u\u0161i\u201c, tak s\u00a0t\u00edm v\u00e1m nepom\u016f\u017ee nikdo. To si zapamatujte. Je to pouze va\u0161e v\u011bc.
Dluhy na bydlen\u00ed, dluhy na podnik\u00e1n\u00ed \u2013 to se d\u00e1 pochopit. Ale p\u016fj\u010dovat si na nepot\u0159ebn\u00e9 v\u011bci, dovolenou, nov\u00fd \u0161atn\u00edk, \u0161perky, hry, drogy a podobn\u011b \u2013 to je v\u00a0mnoh\u00e9m dost nepromy\u0161len\u00e9. Tak se mnoz\u00ed zadlu\u017een\u00ed lid\u00e9 dost\u00e1vaj\u00ed do za\u010darovan\u00e9ho kruhu, ze kter\u00e9ho se nedok\u00e1\u017eou bez nezi\u0161tn\u00e9 pomoci dostat. Tyto situace v\u00a0zadlu\u017een\u00ed, kdy je stra\u0161\u00ed exekuce majetku, platu, nebo mohou b\u00fdt i vyd\u00edran\u00ed, v\u00a0mnoha p\u0159\u00edpadech naru\u0161\u00ed psychiku \u010dlov\u011bka tak, \u017ee p\u0159em\u00fd\u0161l\u00ed i o sebevra\u017ed\u011b.
Na\u0161e spole\u010dnost by skute\u010dn\u011b m\u011bla velmi zp\u0159\u00eds\u0148ovat podm\u00ednky ohledn\u011b zadlu\u017eov\u00e1n\u00ed. Jak st\u00e1t, kter\u00fd by m\u011bl j\u00edt p\u0159\u00edkladem, tak samotn\u00ed lid\u00e9, by si m\u011bli v\u010das uv\u011bdomit, \u017ee \u201e\u017eivot na dluh\u201c je \u0161patn\u00fd sm\u011br.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00edt dluhy na \u017eivotn\u00ed \u00farove\u0148","item":"https:\/\/www.kalf.cz\/mit-dluhy-na-zivotni-uroven\/#breadcrumbitem"}]}]