[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rohau.sk\/slovaci-nepreferuju-zivot-na-dlh\/#Article","mainEntityOfPage":"https:\/\/www.rohau.sk\/slovaci-nepreferuju-zivot-na-dlh\/","headline":"Slov\u00e1ci nepreferuj\u00fa \u017eivot na dlh","name":"Slov\u00e1ci nepreferuj\u00fa \u017eivot na dlh","description":"Finan\u010dn\u00e1 rezerva Slov\u00e1kov v s\u00fa\u010dasnosti nie je dostato\u010dn\u00e1 na to, aby pokryla ne\u010dakan\u00e9 v\u00fddavky pri dlhodobej\u0161om v\u00fdpadku pr\u00edjmu. Pod\u013ea odborn\u00edkov by sme si mali vytvori\u0165 tak\u00fa finan\u010dn\u00fa rezervu, s ktoru by sme vydr\u017eali pri ne\u010dakanom v\u00fdpadku mzdy minim\u00e1lne pol roka. Na\u0161inci sa sna\u017eia ma\u0165 o svojich peniazoch preh\u013ead, a aj v pr\u00edpade, \u017ee by ich […]","datePublished":"2018-09-09","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.rohau.sk\/author\/#Person","name":"","url":"https:\/\/www.rohau.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/aa16db3f0f92015edeb6ced2fbc10116de89c6b4888114a368937de5fe58241b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/aa16db3f0f92015edeb6ced2fbc10116de89c6b4888114a368937de5fe58241b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rohau.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rohau.sk\/wp-content\/uploads\/img_a293027_w16518_t1541772814.jpg","url":"https:\/\/www.rohau.sk\/wp-content\/uploads\/img_a293027_w16518_t1541772814.jpg","height":0,"width":0},"url":"https:\/\/www.rohau.sk\/slovaci-nepreferuju-zivot-na-dlh\/","wordCount":360,"articleBody":"Finan\u010dn\u00e1 rezerva Slov\u00e1kov v s\u00fa\u010dasnosti nie je dostato\u010dn\u00e1 na to, aby pokryla ne\u010dakan\u00e9 v\u00fddavky pri dlhodobej\u0161om v\u00fdpadku pr\u00edjmu. Pod\u013ea odborn\u00edkov by sme si mali vytvori\u0165 tak\u00fa finan\u010dn\u00fa rezervu, s ktoru by sme vydr\u017eali pri ne\u010dakanom v\u00fdpadku mzdy minim\u00e1lne pol roka. Na\u0161inci sa sna\u017eia ma\u0165 o svojich peniazoch preh\u013ead, a aj v pr\u00edpade, \u017ee by ich finan\u010dn\u00e1 situ\u00e1cia mala by\u0165 nepr\u00edjemn\u00e1, chc\u00fa to vedie\u0165. Len vo v\u00fdnimo\u010dn\u00fdch pr\u00edpadoch si prip\u00fa\u0161\u0165aj\u00fa mo\u017enos\u0165, \u017ee by sa ocitli v m\u00ednuse na \u00fa\u010dte.Konzervat\u00edvni sporitelia Po\u0161tov\u00e1 banka urobila prieskum, pri ktorom sa zistilo, \u017ee Slov\u00e1ci s\u00fa v investovan\u00ed pe\u0148az\u00ed sk\u00f4r konzervat\u00edvni, nechc\u00fa riskova\u0165 a neradi by sa dostali do dlhov. To potvrdili aj d\u00e1ta z banky, ktor\u00e9 hovoria, \u017ee len 7 % klientov sa dost\u00e1va do m\u00ednusu a a\u017e 90 % z nich je v pluse s nasporenou sumou asi 2 094 euro.Priemern\u00e1 suma na debetnom \u00fa\u010dte klientov sa pohybuje okolo 250 euro.R\u00f4zne druhy \u00fa\u010dtov Vo financi\u00e1ch s\u00fa na Slovensku na tom najlep\u0161ie \u013eudia, ktor\u00ed s\u00fa ekonomicky akt\u00edvni, vo vekovom rozp\u00e4t\u00ed 20 a\u017e 60 rokov s na\u0161etrenou sumou v priemere asi 2 466 euro. Mlad\u00ed \u013eudia do 20 rokov s\u00fa schopn\u00ed si na\u0161etri\u0165 sumu okolo 331 euro, naopak d\u00f4chodcovia takmer 1 939 euro. Prieskum uk\u00e1zal, \u017ee \u00faspory na be\u017enom \u00fa\u010dte m\u00e1 asi 40% \u0161etriacich klientov, tak\u00e9 ist\u00e9 percento si financie spor\u00ed na vkladn\u00fdch kni\u017ek\u00e1ch, term\u00ednovan\u00fdch vkladoch \u010di sporiacich \u00fa\u010dtoch. V\u00fd\u0161ka \u00faspor na t\u00fdchto \u00fa\u010dtoch je asi 3 592 euro.Mal\u00e9 rezervy Rezerva financi\u00ed, ktor\u00e1 by mala tvori\u0165 optim\u00e1lnu sumu, ekon\u00f3movia ustanovili vo v\u00fd\u0161ke \u0161es\u0165n\u00e1sobku mesa\u010dn\u00e9ho pr\u00edjmu. Pod\u013ea prieskumu Po\u0161tovej banky si je asi polovica Slov\u00e1kov ist\u00e1, \u017ee si t\u00fato rezervu dok\u00e1\u017ee vytvori\u0165, no pravdou v\u0161ak je, \u017ee v\u00e4\u010d\u0161ina klientov touto rezervou, bohu\u017eia\u013e, nedisponuje. V pr\u00edpade potreby by dom\u00e1cnos\u0165 viac ako pol roka vedelo finan\u010dne zvl\u00e1dnu\u0165 len 13 % Slov\u00e1kov a pol roka iba 8% klientov.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Slov\u00e1ci nepreferuj\u00fa \u017eivot na dlh","item":"https:\/\/www.rohau.sk\/slovaci-nepreferuju-zivot-na-dlh\/#breadcrumbitem"}]}]