[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/druhy-stavebniho-sporeni\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/druhy-stavebniho-sporeni\/","headline":"Druhy stavebn\u00edho spo\u0159en\u00ed","name":"Druhy stavebn\u00edho spo\u0159en\u00ed","description":"Stavebn\u00ed spo\u0159en\u00ed je forma spo\u0159en\u00ed finan\u010dn\u00edch \u010d\u00e1stek na bydlen\u00ed pro va\u0161e potomky, jedn\u00e1 se o nejroz\u0161\u00ed\u0159en\u011bj\u0161\u00ed a nej\u017e\u00e1dan\u011bj\u0161\u00ed formu spo\u0159en\u00ed. V\u011bt\u0161inou se uzav\u00edr\u00e1 smlouva na \u0161est let. Po uplynut\u00ed t\u00e9to lh\u016fty v\u00fdrazn\u011b kles\u00e1 \u00farok a finan\u010dn\u00edmi poradci je doporu\u010dov\u00e1no zalo\u017eit novou smlouvu nebo pen\u00edze vybrat a pou\u017e\u00edt. Co l\u00e1k\u00e1 naprostou v\u011bt\u0161inu lid\u00ed, kte\u0159\u00ed cht\u011bj\u00ed stavebn\u00ed &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/druhy-stavebniho-sporeni\/\"> <span class=\"screen-reader-text\">Druhy stavebn\u00edho spo\u0159en\u00ed<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2016-10-01","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.zerba.cz\/druhy-stavebniho-sporeni\/","about":["Investice"],"wordCount":425,"articleBody":"Stavebn\u00ed spo\u0159en\u00ed je forma spo\u0159en\u00ed finan\u010dn\u00edch \u010d\u00e1stek na bydlen\u00ed pro va\u0161e potomky, jedn\u00e1 se o nejroz\u0161\u00ed\u0159en\u011bj\u0161\u00ed a nej\u017e\u00e1dan\u011bj\u0161\u00ed formu spo\u0159en\u00ed. V\u011bt\u0161inou se uzav\u00edr\u00e1 smlouva na \u0161est let. Po uplynut\u00ed t\u00e9to lh\u016fty v\u00fdrazn\u011b kles\u00e1 \u00farok a finan\u010dn\u00edmi poradci je doporu\u010dov\u00e1no zalo\u017eit novou smlouvu nebo pen\u00edze vybrat a pou\u017e\u00edt. Co l\u00e1k\u00e1 naprostou v\u011bt\u0161inu lid\u00ed, kte\u0159\u00ed cht\u011bj\u00ed stavebn\u00ed spo\u0159en\u00ed sv\u00fdm d\u011btem zakl\u00e1dat? P\u0159ece st\u00e1tn\u00ed podpora. Jak funguje st\u00e1tn\u00ed podpora u stavebn\u00edho spo\u0159en\u00ed a jak\u00e9 podm\u00ednky mus\u00edme p\u0159i spo\u0159en\u00ed splnit? U v\u011bt\u0161iny typ\u016f stavebn\u00edho spo\u0159en\u00ed, nehled\u011b na smlouvu a po\u010det let, kter\u00e9 jsou v&nbsp;n\u00ed stanoveny, m\u00e1 klient n\u00e1rok na st\u00e1tn\u00ed podporu, kter\u00e1 se li\u0161\u00ed podle finan\u010dn\u00ed sumy, kter\u00e1 p\u0159ibyde na \u00fa\u010dtu za kalend\u00e1\u0159n\u00ed rok. Maxim\u00e1ln\u00ed \u010d\u00e1stka \u010din\u00ed 2&nbsp;000 K\u010d a to pouze v&nbsp;p\u0159\u00edpad\u011b, \u017ee na spo\u0159en\u00ed vlo\u017e\u00edte 20&nbsp;000 K\u010d za rok.Nejv\u011bt\u0161\u00ed v\u00fdhodou tohoto spo\u0159en\u00ed je, \u017ee si m\u016f\u017eete vklady napl\u00e1novat do pr\u016fb\u011bhu roku nap\u0159\u00edklad jako automatickou transakci z&nbsp;ka\u017ed\u00e9 v\u00fdplaty, nebo m\u016f\u017eete finance vkl\u00e1dat jednor\u00e1zov\u011b \u010din\u00e1razov\u011b. Pen\u00edze na \u00fa\u010det m\u016f\u017eete poslat kdykoli, a po\u0161lete-li men\u0161\u00ed \u010d\u00e1stku, st\u00e1tn\u00ed podpora bude ni\u017e\u0161\u00ed, ale i tak se v\u00e1m n\u011bjak\u00e9 sumy od st\u00e1tu dostane.Bohu\u017eel stejn\u011b jako \u00faroky, i st\u00e1tn\u00ed podpora je rok od roku ni\u017e\u0161\u00ed. Je\u0161t\u011b p\u0159ed deseti lety \u010dinila st\u00e1tn\u00ed podpora p\u0159es 4&nbsp;000 K\u010d ro\u010dn\u011b. Klesl i \u00farok, kter\u00fd byl je\u0161t\u011b p\u0159ed p\u00e1r lety v&nbsp;\u0159\u00e1dech procent, dnes budete \u0161\u0165astn\u00ed, dostanete-li se nad jedno procento, a i toto jedno procento dostanete nejsp\u00ed\u0161 jenom na prvn\u00ed rok nebo t\u0159i. Potom \u00farokov\u00e1 sazba pad\u00e1 dol\u016f pod jedno procento.D\u016fle\u017eit\u00e1 nev\u00fdhoda stavebn\u00edho spo\u0159en\u00edSmlouva&nbsp; spo\u0159en\u00ed se uzav\u00edr\u00e1 v\u011bt\u0161inou na dobu \u0161est let. Po tuto dobu nem\u016f\u017eete na finance s\u00e1hnout, vybrat je ani pou\u017e\u00edt \u00fa\u010delov\u011b. Pokud budete cht\u00edt konto zru\u0161it p\u0159ed vypr\u0161en\u00edm smlouvy nebo vybrat jeho obsah, banka v\u00e1s m\u016f\u017ee a bude hrub\u011b sankcionovat &ndash; tato sankce m\u016f\u017ee b\u00fdt vypo\u010d\u00edt\u00e1na z&nbsp;toho, kolik si p\u0159ejete vybrat, ale tak\u00e9 z&nbsp;c\u00edlov\u00e9 \u010d\u00e1stky v\u00fdb\u011bru.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Druhy stavebn\u00edho spo\u0159en\u00ed","item":"https:\/\/www.zerba.cz\/druhy-stavebniho-sporeni\/#breadcrumbitem"}]}]