[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pappce.cz\/stavebni-sporeni-se-stale-vyplati\/#Article","mainEntityOfPage":"https:\/\/www.pappce.cz\/stavebni-sporeni-se-stale-vyplati\/","headline":"Stavebn\u00ed spo\u0159en\u00ed se st\u00e1le vyplat\u00ed!","name":"Stavebn\u00ed spo\u0159en\u00ed se st\u00e1le vyplat\u00ed!","description":"V \u010cesk\u00e9 republice vznikaly prvn\u00ed stavebn\u00ed spo\u0159itelny ji\u017e p\u0159ed prvn\u00ed sv\u011btovou v\u00e1lkou, ale nebyly p\u0159\u00edli\u0161 roz\u0161\u00ed\u0159en\u00e9. Za socialismu pak zanikly, prav\u00fd boom tak p\u0159i\u0161el a\u017e po roce 1993, kdy bylo stavebn\u00ed spo\u0159en\u00ed obnoven\u00e9. Ve 2. \u010dtvrtlet\u00ed leto\u0161n\u00edho roku existovalo v \u010cR p\u0159es 3 miliony […]","datePublished":"2019-10-01","dateModified":"2023-06-07","author":{"@type":"Person","@id":"https:\/\/www.pappce.cz\/author\/#Person","name":"","url":"https:\/\/www.pappce.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/232437c79d6ebbb41eb67b1526ce0bc08ee5047d6b1594dc05abcc3258d8e0b3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/232437c79d6ebbb41eb67b1526ce0bc08ee5047d6b1594dc05abcc3258d8e0b3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pappce.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pappce.cz\/wp-content\/uploads\/img_a356903_w3852_t1571631288.png","url":"https:\/\/www.pappce.cz\/wp-content\/uploads\/img_a356903_w3852_t1571631288.png","height":0,"width":0},"url":"https:\/\/www.pappce.cz\/stavebni-sporeni-se-stale-vyplati\/","about":["Ekonomika"],"wordCount":491,"articleBody":"V \u010cesk\u00e9 republice vznikaly prvn\u00ed stavebn\u00ed spo\u0159itelny ji\u017e p\u0159ed prvn\u00ed sv\u011btovou v\u00e1lkou, ale nebyly p\u0159\u00edli\u0161 roz\u0161\u00ed\u0159en\u00e9. Za socialismu pak zanikly, prav\u00fd boom tak p\u0159i\u0161el a\u017e po roce 1993, kdy bylo stavebn\u00ed spo\u0159en\u00ed obnoven\u00e9. Ve 2. \u010dtvrtlet\u00ed leto\u0161n\u00edho roku existovalo v \u010cR p\u0159es 3 miliony smluv o stavebn\u00edm spo\u0159en\u00ed, p\u0159i\u010dem\u017e za rok 2018 bylo uzav\u0159eno p\u0159es 400 tis\u00edc nov\u00fdch.Jedn\u00e1 se o specifick\u00fd produkt, kter\u00fd je prim\u00e1rn\u011b ur\u010den k na\u0161et\u0159en\u00ed financ\u00ed ur\u010den\u00fdch ke koupi, v\u00fdstavb\u011b nebo rekonstrukci nemovitosti. Nicm\u00e9n\u011b re\u00e1ln\u011b m\u016f\u017eete na\u0161et\u0159en\u00e9 pen\u00edze pou\u017e\u00edt na cokoliv, nen\u00ed to nijak omezeno, \u00fa\u010del pou\u017eit\u00ed nikdo nekontroluje.Stavebn\u00ed spo\u0159en\u00ed m\u00e1 n\u011bkolik v\u00fdhod:·         St\u00e1tn\u00ed podpora – bezesporu jedna z nejv\u011bt\u0161\u00edch p\u0159ednost\u00ed tohoto produktu, p\u0159esto\u017ee dnes \u010din\u00ed 10 % z \u010d\u00e1stky naspo\u0159en\u00e9 za rok, maxim\u00e1ln\u00ed v\u00fd\u0161e je v\u0161ak 2 000 K\u010d, v minulosti to bylo a\u017e 4 500 K\u010d. Abyste z\u00edskali st\u00e1tn\u00ed podporu v maxim\u00e1ln\u00ed v\u00fd\u0161i, mus\u00edte spo\u0159it 6 let a v pr\u016fb\u011bhu t\u00e9to doby na pen\u00edze nesahat, nebo \u010derpat \u00fav\u011br, kter\u00fd ale mus\u00ed b\u00fdt ur\u010den pro \u00fa\u010dely souvisej\u00edc\u00ed s bydlen\u00edm.·         \u00daroky – \u00faroky, kter\u00e9 v sou\u010dasnosti poji\u0161\u0165ovny obvykle p\u0159ipisuj\u00ed, se pohybuj\u00ed v rozmez\u00ed 1,2 a\u017e 1,5 %. N\u011bkter\u00e9 instituce ale nav\u00edc nab\u00edzej\u00ed pr\u00e9mie, odpu\u0161t\u011bn\u00ed poplatk\u016f nebo \u00farokov\u00e9 bonusy. Po zapo\u010dten\u00ed v\u0161ech v\u00fdhod si tak m\u016f\u017eete p\u0159ij\u00edt na t\u00e9m\u011b\u0159 4 %. Stavebn\u00ed spo\u0159en\u00ed dovede jako jeden z m\u00e1la spo\u0159ic\u00edch produkt\u016f vyhr\u00e1t nad inflac\u00ed!·         Bezpe\u010dnost – v\u0161echny vklady jsou poji\u0161t\u011bn\u00e9 do v\u00fd\u0161e 100 tis\u00edc EUR, tedy asi 2,6 milionu K\u010d, nemus\u00edte se tak b\u00e1t, \u017ee o pen\u00edze p\u0159ijdete.·         Flexibilita spo\u0159en\u00ed – pen\u00edze m\u016f\u017eete na \u00fa\u010det pos\u00edlat v pravideln\u00fdch m\u011bs\u00ed\u010dn\u00edch \u010d\u00e1stk\u00e1ch, ale bez jak\u00fdchkoliv sankc\u00ed m\u016f\u017eete ulo\u017eit \u010d\u00e1stky r\u016fzn\u00e9 hodnoty i nepravideln\u011b, d\u016fle\u017eit\u00e1 je pouze fin\u00e1ln\u00ed \u010d\u00e1stka ulo\u017een\u00e1 v dan\u00e9m roce, proto\u017ee z n\u00ed se po\u010d\u00edt\u00e1 st\u00e1tn\u00ed podpora.Nev\u00fdhodou tohoto produktu jsou pak pouze poplatky souvisej\u00edc\u00ed s uzav\u0159en\u00edm smlouvy, kter\u00e9 b\u00fdvaj\u00ed ve v\u00fd\u0161i 1 % z c\u00edlov\u00e9 \u010d\u00e1stky. T\u011bm se v\u0161ak m\u016f\u017eete vyhnout, nebo je alespo\u0148 sn\u00ed\u017eit, pokud si po\u010dk\u00e1te na r\u016fzn\u00e9 ak\u010dn\u00ed nab\u00eddky, kter\u00e9 spo\u0159itelny \u010das od \u010dasu nab\u00edzej\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.6\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Stavebn\u00ed spo\u0159en\u00ed se st\u00e1le vyplat\u00ed!","item":"https:\/\/www.pappce.cz\/stavebni-sporeni-se-stale-vyplati\/#breadcrumbitem"}]}]