[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.plakatt.cz\/stavebni-sporeni-vyplati-se-jeste\/#Article","mainEntityOfPage":"https:\/\/www.plakatt.cz\/stavebni-sporeni-vyplati-se-jeste\/","headline":"Stavebn\u00ed spo\u0159en\u00ed, vyplat\u00ed se je\u0161t\u011b?","name":"Stavebn\u00ed spo\u0159en\u00ed, vyplat\u00ed se je\u0161t\u011b?","description":"Stavebn\u00ed spo\u0159en\u00ed je v na\u0161ich kon\u010din\u00e1ch velice obl\u00edben\u00e9. Nab\u00edz\u00ed ho velk\u00e9 mno\u017estv\u00ed bankovn\u00edch instituc\u00ed a je to vcelku v\u00fdhodn\u011b zn\u011bj\u00edc\u00ed a z\u00e1rove\u0148 bezpe\u010dn\u00e1 investice. Lid\u00e9 … ","datePublished":"2019-06-12","dateModified":"2023-05-31","author":{"@type":"Person","@id":"https:\/\/www.plakatt.cz\/author\/#Person","name":"","url":"https:\/\/www.plakatt.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4ae18345300f35922a2a7b2caa17564b68acab8514eff939a8a019efde378c24?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4ae18345300f35922a2a7b2caa17564b68acab8514eff939a8a019efde378c24?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"plakatt.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.plakatt.cz\/wp-content\/uploads\/img_a348873_w2659_t1563695728.jpg","url":"https:\/\/www.plakatt.cz\/wp-content\/uploads\/img_a348873_w2659_t1563695728.jpg","height":0,"width":0},"url":"https:\/\/www.plakatt.cz\/stavebni-sporeni-vyplati-se-jeste\/","wordCount":477,"articleBody":"Stavebn\u00ed spo\u0159en\u00ed je v na\u0161ich kon\u010din\u00e1ch velice obl\u00edben\u00e9. Nab\u00edz\u00ed ho velk\u00e9 mno\u017estv\u00ed bankovn\u00edch instituc\u00ed a je to vcelku v\u00fdhodn\u011b zn\u011bj\u00edc\u00ed a z\u00e1rove\u0148 bezpe\u010dn\u00e1 investice. Lid\u00e9 ho zakl\u00e1daj\u00ed d\u011btem, ale spousta ji\u017e star\u0161\u00edch lid\u00ed si ho zakl\u00e1d\u00e1 znovu jako prost\u0159edek \u0161et\u0159en\u00ed na d\u016fchod nebo t\u0159eba na nov\u00e9 auto.Velkou v\u00fdhodou stavebn\u00edho spo\u0159en\u00ed je tak\u00e9 fakt, \u017ee p\u0159i pravideln\u00e9m ukl\u00e1d\u00e1n\u00ed ur\u010dit\u00e9ho obnosu pen\u011bz m\u00e1 \u010dlov\u011bk mo\u017enost z\u00edskat st\u00e1tn\u00ed podporu, kter\u00e1 m\u016f\u017ee \u010dinit a\u017e 2000 korun ro\u010dn\u011b co\u017e ur\u010dit\u011b nen\u00ed n\u011bco co by oby\u010dejn\u00fd \u010dlov\u011bk nalezl na zemi. V\u00fdhodou stavebn\u00edch spo\u0159en\u00ed jsou tak\u00e9 pom\u011brn\u011b vysok\u00e9 \u00faroky, kter\u00e9 hrav\u011b p\u0159ed\u010d\u00ed \u00faroky na spo\u0159\u00edc\u00edch nebo dokonce b\u011b\u017en\u00fdch \u00fa\u010dtech.Mezi nev\u00fdhodami se b\u011b\u017en\u011b uv\u00e1d\u00ed hlavn\u011b vysok\u00e9 poplatky za veden\u00ed \u00fa\u010dtu, i kdy\u017e to hlavn\u011b z\u00e1le\u017e\u00ed na konkr\u00e9tn\u00ed bance. N\u011bkter\u00e9 banky maj\u00ed sice vy\u0161\u0161\u00ed poplatky za veden\u00ed \u00fa\u010dtu, ale zase nab\u00edzej\u00ed vy\u0161\u0161\u00ed \u00farok ne\u017e banky, kter\u00e9 poplatek maj\u00ed n\u00edzk\u00fd nebo dokonce \u017d\u00c1DN\u00dd! Pozor by si \u010dlov\u011bk m\u011bl d\u00e1t, ale i za poplatek p\u0159i sjedn\u00e1n\u00ed \u00fa\u010dtu, ten je sice jednor\u00e1zov\u00fd, ale u n\u011bkter\u00fdch bank je pom\u011brn\u011b vysok\u00fd. Posledn\u00ed nev\u00fdhodou je fakt, \u017ee st\u00e1tn\u00ed podporu je mo\u017en\u00e9 \u010derpat pouze p\u0159i dodr\u017een\u00ed \u0161estilet\u00e9 lh\u016fty. Pokud byste cht\u011bli pen\u00edze se stavebn\u00edho spo\u0159en\u00ed vyu\u017e\u00edt d\u0159\u00edve n\u011b\u017e po uplynut\u00ed t\u00e9to lh\u016fty, museli byste podporu vracet, a nav\u00edc se plat\u00ed pom\u011brn\u011b vysok\u00e9 sankce samotn\u00e9 bance (ty se pohybuj\u00ed b\u011b\u017en\u011b v r\u00e1mci desetin procenta, ale u vy\u0161\u0161\u00ed ulo\u017een\u00e9 \u010d\u00e1stky to ji\u017e m\u016f\u017ee d\u011blat pom\u011brn\u011b hodn\u011b).Posledn\u00edm faktorem, kter\u00fd ale nikde p\u0159i sjedn\u00e1n\u00ed spo\u0159en\u00ed nenaleznete, je m\u00edra sou\u010dasn\u00e9 inflace. Vysok\u00fd \u00farok sice m\u016f\u017ee zn\u00edt hezky, ale po zapo\u010d\u00edt\u00e1n\u00ed v\u0161ech poplatk\u016f a m\u00edry inflace klidn\u011b m\u016f\u017ee \u010dlov\u011bk zjistit, \u017ee se mu pen\u00edze nezhodnocuj\u00ed, ale v\u00edcem\u00e9n\u011b stagnuj\u00ed. I to je, ale pro dost osob lep\u0161\u00ed, ne\u017e aby jim pen\u00edze le\u017eeli na oby\u010dejn\u00e9m \u00fa\u010dtu a ztr\u00e1celi m\u00edrn\u011b na hodnot\u011b.A\u017e tedy budete p\u0159em\u00fd\u0161let co s Va\u0161imi pen\u011bzi, ur\u010dit\u011b nad stavebn\u00edm spo\u0159en\u00edm zap\u0159em\u00fd\u0161lejte, ale ur\u010dit\u011b nezapome\u0148te krom\u011b v\u00fd\u0161e \u00faroku zahrnout do v\u00fdb\u011bru i v\u00fd\u0161e zm\u00edn\u011bn\u00e9 dal\u0161\u00ed v\u011bci. P\u0159eci jen pokud budete pot\u0159ebovat pen\u00edze vyb\u00edrat t\u0159eba co dva roky, stavebn\u00ed spo\u0159en\u00e9 pro V\u00e1s nebude v\u00fdhodn\u00e9 ani n\u00e1hodou.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Stavebn\u00ed spo\u0159en\u00ed, vyplat\u00ed se je\u0161t\u011b?","item":"https:\/\/www.plakatt.cz\/stavebni-sporeni-vyplati-se-jeste\/#breadcrumbitem"}]}]