[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/udelejte-si-dobry-prehled-o-vlastnich-financich\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/udelejte-si-dobry-prehled-o-vlastnich-financich\/","headline":"Ud\u011blejte si dobr\u00fd p\u0159ehled o vlastn\u00edch financ\u00edch!","name":"Ud\u011blejte si dobr\u00fd p\u0159ehled o vlastn\u00edch financ\u00edch!","description":"M\u016f\u017ee se st\u00e1t, \u017ee v\u0161ak hypot\u00e9ka nen\u00ed pro ka\u017ed\u00e9ho? Ano M\u016f\u017ee! Je pot\u0159eba samoz\u0159ejm\u011b zv\u00e1\u017eit spoustu pro a proti nejen, co se financ\u00ed aktu\u00e1ln\u011b t\u00fd\u010de, ale tak\u00e9 z dlouhodob\u00e9ho hlediska. Pokud jste se tedy rozhodli pro vlastn\u00ed bydlen\u00ed, ur\u010dit\u011b je pot\u0159eba d\u016fkladn\u011b prozkoumat vlastn\u00ed finan\u010dn\u00ed mo\u017enosti a d\u00e1t si dohromady pl\u00e1ny do budoucna! Ne\u017e se &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/udelejte-si-dobry-prehled-o-vlastnich-financich\/\"> <span class=\"screen-reader-text\">Ud\u011blejte si dobr\u00fd p\u0159ehled o vlastn\u00edch financ\u00edch!<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2018-01-28","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}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a311464_w2264_t1522266223.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a311464_w2264_t1522266223.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/udelejte-si-dobry-prehled-o-vlastnich-financich\/","about":["Finan\u010dn\u00ed spole\u010dnosti"],"wordCount":475,"articleBody":"M\u016f\u017ee se st\u00e1t, \u017ee v\u0161ak hypot\u00e9ka nen\u00ed pro ka\u017ed\u00e9ho? Ano M\u016f\u017ee! Je pot\u0159eba samoz\u0159ejm\u011b zv\u00e1\u017eit spoustu pro a proti nejen, co se financ\u00ed aktu\u00e1ln\u011b t\u00fd\u010de, ale tak\u00e9 z dlouhodob\u00e9ho hlediska. Pokud jste se tedy rozhodli pro vlastn\u00ed bydlen\u00ed, ur\u010dit\u011b je pot\u0159eba d\u016fkladn\u011b prozkoumat vlastn\u00ed finan\u010dn\u00ed mo\u017enosti a d\u00e1t si dohromady pl\u00e1ny do budoucna!Ne\u017e se v\u016fbec rozhodnete pro nemovitost a pro koloto\u010d kolem z\u0159izov\u00e1n\u00ed hypot\u00e9ky a koup\u011b vysn\u011bn\u00e9ho bydlen\u00ed, ur\u010dit\u011b si ud\u011blejte \u010das a vypi\u0161te si n\u011bkolik d\u016fle\u017eit\u00fdch informac\u00ed.1.&nbsp; P\u0159\u00edjmy2.&nbsp; V\u00fddaje m\u011bs\u00ed\u010dn\u00ed1.&nbsp;&nbsp; N\u00e1klady na stravu, drogerii a dal\u0161\u00ed2.&nbsp;&nbsp; N\u00e1klady na internet, telefon, poji\u0161t\u011bn\u00ed, televize3.&nbsp;&nbsp; Spl\u00e1tky \u00fav\u011br\u016f, kreditn\u00edch karet4.&nbsp;&nbsp; N\u00e1klady na energie &#8211; voda, elektrika, plyn5.&nbsp;&nbsp; Va\u0161e kon\u00ed\u010dky, v\u00fdlety, z\u00e1bava3.&nbsp; V\u00fddaje ro\u010dn\u00ed1.&nbsp;&nbsp; Poji\u0161t\u011bn\u00ed zdrav\u00ed, nemovitost\u00ed, d\u011bt\u00ed, vozidel, d\u016fchodov\u00e9 poji\u0161t\u011bn\u00ed2.&nbsp;&nbsp; \u010clensk\u00e9 poplatky, dary4.&nbsp; Spo\u0159en\u00ed1.&nbsp;&nbsp; Spo\u0159en\u00ed na bydlen\u00ed2.&nbsp;&nbsp; Na neo\u010dek\u00e1van\u00e9 ud\u00e1lostiV moment\u011b, kdy se toto v\u0161echno vyp\u00ed\u0161ete, zjist\u00edte, jak se situace m\u00e1. Podle v\u00fdpo\u010dtu si spo\u010d\u00edtejte procentu\u00e1ln\u00ed aktu\u00e1ln\u00ed stav a d\u00e1le pom\u011br v\u00fddaj\u016f a p\u0159\u00edjm\u016f. Jestli\u017ee toto m\u00e1te p\u0159ed sebou \u010dern\u00e9m na b\u00edl\u00e9m, uvid\u00edte, kolik si m\u016f\u017eete dovolit m\u011bs\u00ed\u010dn\u011b spl\u00e1cet. Myslete na to, \u017ee n\u00e1klady na bydlen\u00ed, tedy platby vody, elekt\u0159iny, plynu, poji\u0161t\u011bn\u00ed dom\u00e1cnosti, nemovitosti, internet a podobn\u00e9 polo\u017eky mus\u00edte po\u010d\u00edtat do polo\u017eky, kter\u00e1 bude zapo\u010dtena ve v\u00fddaj\u00edch na bydlen\u00ed.V budoucnu by toti\u017e s hypot\u00e9kou celkov\u00fd tento v\u00fddaj v\u010detn\u011b hypot\u00e9ky nem\u011bl \u010dinit v\u00edce, ne\u017e t\u0159icet procent z va\u0161eho p\u0159\u00edjmu.P\u0159\u00edklad:Vezmeme konkr\u00e9tn\u00ed situaci. S pr\u016fm\u011brn\u00fdm platem dle statistick\u00fdch \u00fadaj\u016f. Je pot\u0159eba po\u010d\u00edtat s t\u00edm, \u017ee pokud tedy m\u00e1te pr\u016fm\u011brnou mzdu cca 29.000,- K\u010d v hrub\u00e9m, v \u010dist\u00e9m v\u00e1m pak na \u00fa\u010det p\u0159istane n\u011bco m\u00e1lo p\u0159es 22.000,- K\u010d. Z t\u00e9to \u010d\u00e1stky byste m\u011bli tedy po\u010d\u00edtat 30% do rozpo\u010dtu na va\u0161i hypot\u00e9ku a dal\u0161\u00ed platby kolem bydlen\u00ed, tedy maxim\u00e1ln\u011b 6.600,- K\u010d. A te\u010f z\u00e1le\u017e\u00ed samoz\u0159ejm\u011b na velikosti nemovitosti a jej\u00ed energetickou n\u00e1ro\u010dnost. Vyb\u00edrejte dob\u0159e a bu\u010fte zodpov\u011bdn\u00ed k t\u011bmto z\u00e1kladn\u00edm rozpo\u010dt\u016fm. Obdobn\u011b bude na v\u00e1\u0161 p\u0159\u00edjem pozd\u011bji nahl\u00ed\u017eet i banka.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ud\u011blejte si dobr\u00fd p\u0159ehled o vlastn\u00edch financ\u00edch!","item":"https:\/\/www.zerba.cz\/udelejte-si-dobry-prehled-o-vlastnich-financich\/#breadcrumbitem"}]}]