[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.chliv.cz\/financni-gramotnost\/#Article","mainEntityOfPage":"https:\/\/www.chliv.cz\/financni-gramotnost\/","headline":"Finan\u010dn\u00ed gramotnost","name":"Finan\u010dn\u00ed gramotnost","description":"M\u011bli bychom za\u010d\u00edt od za\u010d\u00e1tku. U\u010dit na\u0161e d\u00edtka ji\u017e od \u00fatl\u00e9ho v\u011bku k\u00a0hodnot\u00e1m a uk\u00e1zat jim, jak se vyd\u011bl\u00e1vaj\u00ed.","datePublished":"2020-03-18","dateModified":"2020-03-18","author":{"@type":"Person","@id":"https:\/\/www.chliv.cz\/author\/#Person","name":"","url":"https:\/\/www.chliv.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7c144e1de0ecc43e7a8353c804f0c7ea63c9554336576e7048c4bdeaa59bbbbb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7c144e1de0ecc43e7a8353c804f0c7ea63c9554336576e7048c4bdeaa59bbbbb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"chliv.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.chliv.cz\/wp-content\/uploads\/img_a372769_w4207_t1584346743.jpg","url":"https:\/\/www.chliv.cz\/wp-content\/uploads\/img_a372769_w4207_t1584346743.jpg","height":0,"width":0},"url":"https:\/\/www.chliv.cz\/financni-gramotnost\/","about":["Finance"],"wordCount":500,"articleBody":"M\u011bli bychom za\u010d\u00edt od za\u010d\u00e1tku. U\u010dit na\u0161e d\u00edtka ji\u017e od \u00fatl\u00e9ho v\u011bku k\u00a0hodnot\u00e1m a uk\u00e1zat jim, jak se vyd\u011bl\u00e1vaj\u00ed pen\u00edze. K\u00a0\u010demu slou\u017e\u00ed, jak s\u00a0nimi nakl\u00e1dat a \u0161et\u0159it je jen na n\u00e1s. Podstatou cel\u00e9 v\u011bci je, nau\u010dit se, odkl\u00e1dat \u010d\u00e1st platu pro str\u00fd\u010dka p\u0159\u00edhodu. Z\u00a0pravidla by to m\u011blo b\u00fdt 10-20 % p\u0159\u00edjmu, samoz\u0159ejm\u011b podle na\u0161ich mo\u017enost\u00ed. T\u00edmto krokem p\u0159edejdeme mo\u017en\u00e9 p\u016fj\u010dce, kter\u00e1 je nev\u00fdhodn\u00e1 a zbyte\u010dn\u00e1. V\u011bc, kterou zrovna budeme pot\u0159ebovat, lze po\u0159\u00eddit z\u00a0u\u0161et\u0159en\u00fdch pen\u011bz, kter\u00e9 jsme si za\u010dali odkl\u00e1dat od prvn\u00edho n\u00e1stupu do pr\u00e1ce, n\u011bkde i p\u0159ed n\u00edm. Spousta d\u011bt\u00ed dost\u00e1v\u00e1 nemal\u00e9 kapesn\u00e9 od rodi\u010d\u016f i prarodi\u010d\u016f.Uka\u017ete jim, \u017ee kdy\u017e polovinu schovaj\u00ed, tak si za rok mohou koupit t\u0159eba kolo, nebo po\u0159\u00e1dn\u00e9 auto na d\u00e1lkov\u00e9 ovl\u00e1d\u00e1n\u00ed. Je d\u016fle\u017eit\u00e9 se nau\u010dit spo\u0159it, ji\u017e od prvopo\u010d\u00e1tku, nebo\u0165 co nem\u00e1te, to v\u00e1m nechyb\u00ed.P\u0159\u00edklad 1.Pan Tom\u00e1\u0161 \u0161el po \u0161kole do zam\u011bstn\u00e1n\u00ed. Od za\u010d\u00e1tku se rozhodl ukl\u00e1dat pen\u00edze na stavebn\u00ed spo\u0159en\u00ed v\u00a0pln\u00e9 v\u00fd\u0161i, aby dos\u00e1hl na maxim\u00e1ln\u00ed st\u00e1tn\u00ed podporu, kter\u00e1 je 2000,-k\u010d. Spo\u0159il tedy 1700,- k\u010d. Po \u0161esti letech se rozhodl koupit z\u00e1novn\u00ed automobil, kter\u00fd st\u00e1l 105\u00a0000,- k\u010d. Nemusel si br\u00e1t leasing ani p\u016fj\u010dku, proto\u017ee za 6 let, m\u011bl naspo\u0159eno bez m\u00e1la 150\u00a0000 k\u010d.N\u011bkomu se to m\u016f\u017ee zd\u00e1t dlouh\u00e1 doba, ale v\u011b\u0159te, \u017ee to ute\u010de jako voda. Pak je \u010dlov\u011bk r\u00e1d, \u017ee za\u010dal hned.Kdy\u017e chcete d\u016fm princip z\u016fst\u00e1v\u00e1 stejn\u00fd. Po zp\u0159\u00edsn\u011bn\u00ed hypote\u010dn\u00edch podm\u00ednek na trhu mus\u00ed ka\u017ed\u00fd z\u00a0n\u00e1s m\u00edt minim\u00e1ln\u011b 10 % vlastn\u00edch zdroj\u016f na koupi nemovitosti, nebo jinou z\u00e1stavu. Mluv\u00edm t\u0159eba o byt\u011b rodi\u010d\u016f, chat\u011b, nebo dom\u011b bratra. Tady ov\u0161em vyvst\u00e1v\u00e1 ot\u00e1zka a ruku na srdce, povol\u00ed v\u00e1m rodina onu z\u00e1stavu u\u010dinit? Riziko je velk\u00e9, z\u00e1le\u017e\u00ed na d\u016fv\u011b\u0159e jedince. Pravidla tak\u00e9 zahrnuj\u00ed, \u017ee spl\u00e1cet m\u016f\u017eete maxim\u00e1ln\u011b 45% va\u0161eho pr\u016fm\u011brn\u00e9ho \u010dist\u00e9ho p\u0159\u00edjmu a p\u016fj\u010dit si m\u016f\u017eete a\u017e 9ti n\u00e1sobek ro\u010dn\u00edho \u010dist\u00e9ho platu.P\u0159\u00edklad 2.Pan Tom\u00e1\u0161 bere 30\u00a0000,-\u00a0 co\u017e je 360\u00a0000,- ro\u010dn\u011b. To vyn\u00e1sob\u00edme 9 a vyjde n\u00e1m, \u017ee si m\u016f\u017ee p\u016fj\u010dit a\u017e 3\u00a0240\u00a0000,- a m\u011bs\u00ed\u010dn\u011b m\u016f\u017ee spl\u00e1cet maxim\u00e1ln\u011b 45% to je 13\u00a0500,- Z\u00e1le\u017e\u00ed samoz\u0159ejm\u011b tak\u00e9 na v\u011bku a d\u00e9lce spl\u00e1cen\u00ed.\u00a0Realita je krut\u00e1, le\u010d \u0159e\u0161iteln\u00e1, proto \u0161et\u0159ete s\u00a0l\u00e1skou a nad\u011bj\u00ed pro lep\u0161\u00ed z\u00edt\u0159ky.                                                                                                                                                                                                                                                                                                                                                                                                 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