[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ifg.sk\/aka-je-podstata-zivota-na-dlh\/#Article","mainEntityOfPage":"https:\/\/www.ifg.sk\/aka-je-podstata-zivota-na-dlh\/","headline":"Ak\u00e1 je podstata \u017eivota na dlh","name":"Ak\u00e1 je podstata \u017eivota na dlh","description":"Z\u00a0r\u00f4znych zdrojov prich\u00e1dzaj\u00fa spr\u00e1vy ako sa Slovenskej ekonomike dar\u00ed . Ekonomika rastie rekorde r\u00fdchlim tempom, nezamestnanos\u0165 kles\u00e1 k\u00a0historick\u00fdm \u010d\u00edslam \u010do s\u00fa v\u00a0celku pozit\u00edvne \u00fadaje no vzrast\u00e1 aj zadl\u017eenos\u0165 dom\u00e1cnost\u00ed.\u00a0 Najv\u00e4\u010d\u0161iu \u010das\u0165 tvoria hypotek\u00e1rne \u00favery no vzrastaj\u00fa aj spotrebn\u00e9 \u00favery.\u00a0 Samotn\u00e9 zadl\u017eovanie obyvate\u013estva podnecuje okrem ekonomicky pozit\u00edvnych ukazovate\u013eov aj fakt, \u017ee \u00farokov\u00e9 sadzby samotn\u00fdch \u00faverov s\u00fa […]","datePublished":"2019-02-17","dateModified":"2019-02-17","author":{"@type":"Person","@id":"https:\/\/www.ifg.sk\/author\/#Person","name":"","url":"https:\/\/www.ifg.sk\/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":"ifg.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ifg.sk\/wp-content\/uploads\/img_a299424_w16501_t1555514422.jpg","url":"https:\/\/www.ifg.sk\/wp-content\/uploads\/img_a299424_w16501_t1555514422.jpg","height":0,"width":0},"url":"https:\/\/www.ifg.sk\/aka-je-podstata-zivota-na-dlh\/","wordCount":401,"articleBody":"Z\u00a0r\u00f4znych zdrojov prich\u00e1dzaj\u00fa spr\u00e1vy ako sa Slovenskej ekonomike dar\u00ed . Ekonomika rastie rekorde r\u00fdchlim tempom, nezamestnanos\u0165 kles\u00e1 k\u00a0historick\u00fdm \u010d\u00edslam \u010do s\u00fa v\u00a0celku pozit\u00edvne \u00fadaje no vzrast\u00e1 aj zadl\u017eenos\u0165 dom\u00e1cnost\u00ed.\u00a0 Najv\u00e4\u010d\u0161iu \u010das\u0165 tvoria hypotek\u00e1rne \u00favery no vzrastaj\u00fa aj spotrebn\u00e9 \u00favery.\u00a0 Samotn\u00e9 zadl\u017eovanie obyvate\u013estva podnecuje okrem ekonomicky pozit\u00edvnych ukazovate\u013eov aj fakt, \u017ee \u00farokov\u00e9 sadzby samotn\u00fdch \u00faverov s\u00fa na rekordne n\u00edzkych \u00farovniach. Pri t\u00fdchto zmienen\u00fdch \u00fadajoch si v\u00e4\u010d\u0161ina \u013eud\u00ed povie, \u017ee kto by si predsa nepo\u017ei\u010dal ke\u010f s\u00fa \u00favery tak\u00e9 lacn\u00e9. Hypotek\u00e1rne \u00favery sa daj\u00fa kvalifikova\u0165 aj ako n\u00faten\u00e9 zlo pri\u010dom v\u017edy je lep\u0161ie ma\u0165 hypot\u00e9ku ako b\u00fdva\u0165 v\u00a0podn\u00e1jme. Pri spotrebn\u00fdch \u00faveroch je to u\u017e viac na zv\u00e1\u017eenie.\u00a0Za z\u00e1klad finan\u010dnej gramotnosti sa poklad\u00e1 ak si zar\u00e1baj\u00faci \u010dlovek dok\u00e1\u017ee odlo\u017ei\u0165 aspo\u0148 10 percent z\u00a0platu. Takto vytvoren\u00e1 rezerva v\u00a0dobr\u00fdch \u010dasoch m\u00f4\u017ee posl\u00fa\u017ei\u0165 ako ve\u013emi dobr\u00fd z\u00e1chrann\u00fd bal\u00edk ke\u010f pr\u00eddu zl\u00e9 \u010dasy ako je strata zamestnania, dlhodob\u00e1 pr\u00e1ceneschopnos\u0165 alebo v\u00e1\u017enej\u0161ia choroba. Ist\u00e1 \u010das\u0165 popul\u00e1cie sa za slab\u0161iu ekonomick\u00fa situ\u00e1ciu hanb\u00ed\u00a0 preto \u017ee ka\u017ed\u00fd chce ma\u0165 dobr\u00fd spolo\u010densk\u00fd status. Preto sa stalo u\u017e ak\u00fdmsi \u0161tandardom \u017ee letn\u00e1 dovolenka bez mora ani nie je dovolenkou, na Vianoce ma\u0165 pod strom\u010dekom \u010do najviac dar\u010dekov a\u00a0to v\u0161etko aj za cenu zadl\u017eovania, \u010do v\u0161ak v dlhodobom horizonte m\u00f4\u017ee ve\u013emi \u013eahko vy\u00fasti\u0165 do finan\u010dn\u00fdch probl\u00e9mov. Podobn\u00fdm probl\u00e9mom sa\u00a0d\u00e1 jednoducho vyhn\u00fa\u0165 a\u00a0to vytv\u00e1ran\u00edm finan\u010dnej rezervy, zn\u00ed\u017een\u00edm v\u00fddavkov a\u00a0obmedzen\u00edm n\u00e1kupov nepotrebn\u00fdch vec\u00ed.Za takto nastaven\u00fa spolo\u010densk\u00fa mor\u00e1lku najrad\u0161ej obvi\u0148ujeme \u0161t\u00e1t pr\u00edpadne reklamn\u00e9 spolo\u010dnosti ale v\u00a0mnoh\u00fdch pr\u00edpadoch sme to my \u013eudia ktor\u00fd na soci\u00e1lnych sie\u0165ach zdielan\u00edm fotografi\u00ed vytv\u00e1rame siln\u00fd soci\u00e1lny n\u00e1tlak. Z\u00e1le\u017e\u00ed to v\u0161etko iba od spr\u00e1vne nastavenej spolo\u010denskej mor\u00e1lky pri\u010dom je d\u00f4le\u017eit\u00e9 zamera\u0165 sa na hodnotov\u00e9 priority a\u00a0nie na bezv\u00fdznamn\u00e9 nak\u00fapi nepotrebn\u00fdch vec\u00ed. Pri dodr\u017eiavan\u00ed t\u00fdchto pravidiel by sa v\u00fdrazne obmedzilo aj mno\u017estvo \u00faverov samotnej popul\u00e1cie.                                                                                                                                                                                                                                                                                                                                                                                        5\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ak\u00e1 je podstata \u017eivota na dlh","item":"https:\/\/www.ifg.sk\/aka-je-podstata-zivota-na-dlh\/#breadcrumbitem"}]}]