[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.vicki.sk\/drzte-si-penazenky-kriza-nepocka\/#Article","mainEntityOfPage":"https:\/\/www.vicki.sk\/drzte-si-penazenky-kriza-nepocka\/","headline":"Dr\u017ete si pe\u0148a\u017eenky, kr\u00edza nepo\u010dk\u00e1","name":"Dr\u017ete si pe\u0148a\u017eenky, kr\u00edza nepo\u010dk\u00e1","description":"O tom \u017ee sa posledn\u00e9 roky ekonomike dar\u00ed a nie je to len prispen\u00edm politickej stability ktor\u00fa na\u0161a krajina ve\u013emi nepam\u00e4t\u00e1 niet poch\u00fdb. Jednozna\u010dne za to m\u00f4\u017ee najme dobr\u00e1 finan\u010dn\u00e1 situ\u00e1cia na svetov\u00fdch trhoch. No napriek tomu sa Eur\u00f3pska centr\u00e1lna... <a class=\"more-link\" href=\"https:\/\/www.vicki.sk\/drzte-si-penazenky-kriza-nepocka\/\">Pokra\u010dovat ve \u010dten\u00ed &rarr;<\/a>","datePublished":"2019-07-17","dateModified":"2023-07-21","author":{"@type":"Person","@id":"https:\/\/www.vicki.sk\/author\/#Person","name":"","url":"https:\/\/www.vicki.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/13dbcc20b7c05fcb5c4a6b0bee5a7107a0aae9238a83a4088a42d170780b2eca?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/13dbcc20b7c05fcb5c4a6b0bee5a7107a0aae9238a83a4088a42d170780b2eca?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"vicki.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.vicki.sk\/wp-content\/uploads\/img_a305179_w16877_t1566406465.jpg","url":"https:\/\/www.vicki.sk\/wp-content\/uploads\/img_a305179_w16877_t1566406465.jpg","height":0,"width":0},"url":"https:\/\/www.vicki.sk\/drzte-si-penazenky-kriza-nepocka\/","about":["Financie"],"wordCount":391,"articleBody":"O tom \u017ee sa posledn\u00e9 roky ekonomike dar\u00ed a nie je to len prispen\u00edm politickej stability ktor\u00fa na\u0161a krajina ve\u013emi nepam\u00e4t\u00e1 niet poch\u00fdb. Jednozna\u010dne za to m\u00f4\u017ee najme dobr\u00e1 finan\u010dn\u00e1 situ\u00e1cia na svetov\u00fdch trhoch. No napriek tomu sa Eur\u00f3pska centr\u00e1lna banka pripravuje zn\u00ed\u017ei\u0165 \u00faverov\u00fa sadzbu aby tak odvr\u00e1tila prich\u00e1dzaj\u00facu kr\u00edzu. Peniaze sa tak bud\u00fa da\u0165 po\u017ei\u010da\u0165 a\u017e do bud\u00faceho leta bud\u00faceho roka za cite\u013ene ni\u017e\u0161\u00ed \u00farok. Pri\u010dom ni\u010d nenasved\u010duje aby Slov\u00e1ci pri\u0161li o rekordne n\u00edzke hypot\u00e9ky. Preto\u017ee M\u00e1rio Draghi, ako s\u00fa\u010dasn\u00fd \u0161\u00e9f Eur\u00f3pskej banky sa vyjadril \u017ee s\u00fa\u010dasn\u00fd \u00farok bude na rovnakej \u00farovni a\u017e do leta 2020. Pr\u00edpadne ni\u017e\u0161\u00ed. Pri\u010dom s\u00fa\u010dasn\u00e1 \u00farokov\u00e1 sadzba je rovn\u00e1 nule a depozitn\u00e1 \u010din\u00ed m\u00ednus 0,4%. U\u017e v septembri je s 97% pravdepodobnos\u0165ou o\u010dak\u00e1vania trhov mo\u017en\u00e9 \u017ee d\u00f4jde k zn\u00ed\u017eenie depozitnej sadzby. V s\u00fa\u010dasnej dobe ni\u010d nenasved\u010duje tomu \u017ee by to mohlo by\u0165 menej ako m\u00ednus 0,5%. V praxi to znamen\u00e1 \u017ee banky zaplatia zase viac pe\u0148az\u00ed za ulo\u017eenie v ECB. Nezasv\u00e4ten\u00fdm \u013eudom a m\u00f4\u017ee zda\u0165 nezmyseln\u00e9 pre\u010do ke\u010f banka zaplat\u00ed viac, pon\u00faka ni\u017e\u0161\u00ed \u00farok za \u00faver.. No v skuto\u010dnosti tak banka zarob\u00ed preto\u017ee nemus\u00ed plati\u0165 za ulo\u017eenie pe\u0148az\u00ed v ECB. Ale naopak po\u017ei\u010dia ich, a to hoci aj za ni\u017e\u0161\u00ed \u00farok ako by chcela. Je to st\u00e1le lep\u0161ie ako plati\u0165 za ulo\u017eenie pe\u0148az\u00ed, ako to mnoh\u00fd z n\u00e1s poznaj\u00fa na poplatkoch za vedenie \u00fa\u010dtu. To je tie\u017e hlavn\u00fd d\u00f4vod pre\u010do sa v najbli\u017e\u0161ej dobe d\u00e1 o\u010dak\u00e1va\u0165 razantn\u00e1 kampa\u0148 zo strany b\u00e1nk a n\u00e1sledn\u00fd tlak na poskytnutie \u00faverov a hypot\u00e9k. To zo sebou nane\u0161tastie nesie jednu ve\u013ek\u00fa nev\u00fdhodu a t\u00fdm je zbyto\u010dn\u00e9 a neopodstatnen\u00e9 zvy\u0161ovanie cien nehnute\u013enost\u00ed. Preto\u017ee ak bud\u00fa \u013eahko dostupn\u00e9 \u00favery je dos\u0165 pravdepodobn\u00e9 \u017ee sa na tom niektor\u00e9 skupiny pok\u00fasia zarobi\u0165 ako sa len bude da\u0165. \u00da\u010delom lacn\u00fdch pe\u0148az\u00ed, ako ich zvykn\u00fa naz\u00fdva\u0165 je v kone\u010dnom d\u00f4sledku na\u0161tartova\u0165 umelo ekonomiku, no bohu\u017eia\u013e za cenu zvy\u0161ovania cien.                                                                                                                                                                                                                                                                                                                                                                                        4.9\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dr\u017ete si pe\u0148a\u017eenky, kr\u00edza nepo\u010dk\u00e1","item":"https:\/\/www.vicki.sk\/drzte-si-penazenky-kriza-nepocka\/#breadcrumbitem"}]}]