[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cernaliska.cz\/2016\/11\/27\/ruzove-vyhlidky-pro-vase-finance-v-roce-2017\/#Article","mainEntityOfPage":"https:\/\/www.cernaliska.cz\/2016\/11\/27\/ruzove-vyhlidky-pro-vase-finance-v-roce-2017\/","headline":"R\u016f\u017eov\u00e9 vyhl\u00eddky pro va\u0161e finance v roce 2017","name":"R\u016f\u017eov\u00e9 vyhl\u00eddky pro va\u0161e finance v roce 2017","description":"Za\u010d\u00e1tek roku 2017 mo\u017en\u00e1 pro n\u011bkter\u00e9 z v\u00e1s bude optimisticky nalad\u011bn\u00fd. Zvl\u00e1\u0161\u0165 pokud se budete rozhodovat, jak nalo\u017eit se sv\u00fdmi voln\u00fdmi financemi. Jestli se trochu zaj\u00edm\u00e1te a sledujete v\u00fdvoj ekonomiky, tak jste se ur\u010dit\u011b do\u010detli nap\u0159\u00edklad to, \u017ee vzhledem k rychl\u00e9mu r\u016fstu \u010desk\u00e9 ekonomiky a n\u00e1sledn\u00e9m zvy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb, by m\u011bla \u010desk\u00e1 koruna pos\u00edlit. Mo\u017en\u00e1 […]","datePublished":"2016-11-27","dateModified":"2016-11-27","author":{"@type":"Person","@id":"https:\/\/www.cernaliska.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.cernaliska.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c85ed962cb1c3e1e680178ad084e2102c88284f87c8033477621334d3d050a6d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c85ed962cb1c3e1e680178ad084e2102c88284f87c8033477621334d3d050a6d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cernaliska.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cernaliska.cz\/wp-content\/uploads\/img_a279523_w1778_t1602877686.jpg","url":"https:\/\/www.cernaliska.cz\/wp-content\/uploads\/img_a279523_w1778_t1602877686.jpg","height":0,"width":0},"url":"https:\/\/www.cernaliska.cz\/2016\/11\/27\/ruzove-vyhlidky-pro-vase-finance-v-roce-2017\/","wordCount":674,"articleBody":"Za\u010d\u00e1tek roku 2017 mo\u017en\u00e1 pro n\u011bkter\u00e9 z v\u00e1s bude optimisticky nalad\u011bn\u00fd. Zvl\u00e1\u0161\u0165 pokud se budete rozhodovat, jak nalo\u017eit se sv\u00fdmi voln\u00fdmi financemi. Jestli se trochu zaj\u00edm\u00e1te a sledujete v\u00fdvoj ekonomiky, tak jste se ur\u010dit\u011b do\u010detli nap\u0159\u00edklad to, \u017ee vzhledem k rychl\u00e9mu r\u016fstu \u010desk\u00e9 ekonomiky a n\u00e1sledn\u00e9m zvy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb, by m\u011bla \u010desk\u00e1 koruna pos\u00edlit. Mo\u017en\u00e1 v polovin\u011b roku 2017.Co to bude v kr\u00e1tkosti znamenat pro ka\u017ed\u00e9ho z n\u00e1s – jednotlivce? \u00b7 Pokud \u010desk\u00e1 koruna pos\u00edl\u00ed, bude dovozov\u00e9 (importovan\u00e9) zbo\u017e\u00ed, ceny pohonn\u00fdch hmot a zahrani\u010dn\u00ed dovolen\u00e1 levn\u011bj\u0161\u00ed. Toto m\u016f\u017ee pot\u011b\u0161it mnoho lid\u00ed. \u00b7 Co se t\u00fdk\u00e1 v\u00fdvozu (exportu) zbo\u017e\u00ed, tak na\u0161i export\u00e9\u0159i z toho nebudou nad\u0161eni. A dotace z EU vyj\u00e1d\u0159en\u00e9 v korun\u00e1ch, budou v p\u0159epo\u010dtu ni\u017e\u0161\u00ed. Skute\u010dnost, jak to v\u0161e bude vypadat, bude z\u00e1viset nejenom na infla\u010dn\u00edm v\u00fdvoji, ale p\u0159edev\u0161\u00edm na hospod\u00e1\u0159sk\u00e9 situaci EU, kter\u00e1 je na\u0161\u00edm nejv\u011bt\u0161\u00edm obchodn\u00edm partnerem. To v\u0161e samoz\u0159ejm\u011b souvis\u00ed s politikou Evropsk\u00e9 centr\u00e1ln\u00ed banky (ECB). Ale jak to v\u0161e dopadne, to n\u00e1m uk\u00e1\u017eou nadch\u00e1zej\u00edc\u00ed roky.Na\u0161e vl\u00e1da n\u00e1m p\u0159ipravila i da\u0148ov\u00e9 zm\u011bny pro rok 2017. Ve zkratce:V\u00fdhodn\u00e9 jsou nap\u0159\u00edklad pro: \u00b7 Rodi\u010de, kte\u0159\u00ed mohou vyu\u017e\u00edt vy\u0161\u0161\u00ed da\u0148ovou slevu na druh\u00e9 a dal\u0161\u00ed d\u00edt\u011b. Za druh\u00e9 d\u00edt\u011b si rodi\u010d v pod\u00e1van\u00e9m da\u0148ov\u00e9m p\u0159izn\u00e1n\u00ed za rok 2016 – m\u016f\u017ee ode\u010d\u00edst z dan\u00ed 17 004,- K\u010d, za t\u0159et\u00ed a dal\u0161\u00ed d\u00edt\u011b 20 604,- K\u010d. Rodina s dv\u011bma d\u011btmi si tak polep\u0161\u00ed (oproti p\u0159edchoz\u00edmu roku) a\u017e o 2400,- K\u010d, se t\u0159emi d\u011btmi si polep\u0161\u00ed o 6000,- K\u010d. \u00b7 Skute\u010dn\u00e1 sleva na dani za \u0161kolku(ne ze z\u00e1kladu dan\u011b): pro dan\u011b za rok 2016 \u2013 maxim\u00e1ln\u011b 9900,-K\u010d. Pro rok 2017 tato sleva stoupne a\u017e na 11000,-K\u010d. Tuto slevu si m\u016f\u017ee uplatnit jen jeden z rodi\u010d\u016f. V\u00fd\u0161i vynalo\u017een\u00fdch v\u00fddaj\u016f potvrd\u00ed provozovatel \u0161kolky. Do t\u011bchto v\u00fddaj\u016f se nepo\u010d\u00edt\u00e1 doprava a strava. \u00b7 Od z\u00e1kladu dan\u011b za rok 2017 se zvy\u0161uje limit na dvojn\u00e1sobek u penzijn\u00edho a \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. Z 12 000,-K\u010d se zvy\u0161uje na 24 000,-K\u010d.Vy\u0161\u0161\u00ed \u00farokov\u00e9 sazbybank – to je p\u0159\u00edm\u00e1 souvislost s nov\u00fdm z\u00e1konem o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kter\u00fd plat\u00ed od 1. 12. 2016. Banky proto d\u016fkladn\u011bji prov\u011b\u0159uj\u00ed schopnost klienta, jak bude \u00fav\u011br spl\u00e1cet. Proto\u017ee pokud banka klienta d\u016fkladn\u00e9 neprov\u011b\u0159\u00ed v jeho schopnost spl\u00e1cet \u00fav\u011br, smlouva pozbude platnost a klient nebude platit \u017e\u00e1dn\u00e9 \u00faroky. Napadnout platnost smlouvy bude moci klient i t\u0159i roky po uzav\u0159en\u00ed smlouvy. A z tohoto d\u016fvodu \u00farokov\u00e9 sazby u hypote\u010dn\u00edch a spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f u\u017e nep\u016fjdou dol\u016f, ale naopak.\u00davahy a doporu\u010den\u00ed finan\u010dn\u00edch poradc\u016f ohledn\u00e9 spo\u0159en\u00ed a investicjsou r\u016fzn\u00e9. Co se t\u00fdk\u00e1 spo\u0159en\u00ed, tak oby\u010dejn\u00fd bankovn\u00ed klient, kv\u016fli n\u00edzk\u00fdm \u00farokov\u00fdm sazb\u00e1m na spo\u0159\u00edc\u00edm \u00fa\u010dtu, nem\u00e1 mo\u017enost dob\u0159e zhodnotit sv\u00e9 finance. Rozd\u00edl mezi spo\u0159\u00edc\u00edm a b\u011b\u017en\u00fdm \u00fa\u010dtem je miziv\u00fd. Tak\u017ee aby se v\u00e1m pen\u00edze zhodnotili, je na uv\u00e1\u017een\u00ed. Nap\u0159\u00edklad: rozhodnout se spo\u0159it na sv\u016fj d\u016fchod, pravideln\u011b od v\u00edc jak 2000 – 3000,-K\u010d, pot\u00e9 maxim\u00e1ln\u00ed ro\u010dn\u00ed da\u0148ov\u00e1 \u00faspora tak m\u016f\u017ee dos\u00e1hnout 3600,- K\u010d). Ale toto si nem\u016f\u017ee samoz\u0159ejm\u011b dovolit ka\u017ed\u00fd. Pak je tu dal\u0161\u00ed mo\u017enost zisku – vyu\u017e\u00edt produkty dotovan\u00e9 st\u00e1tem, jako je stavebn\u00ed spo\u0159en\u00ed nebopenzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed.  M\u00edsto investic\u00ed do zlata,doporu\u010duj\u00ed odborn\u00edci pro n\u00e1sleduj\u00edc\u00ed obdob\u00ed bezpe\u010dnou a perspektivn\u00ed investici \u2013 investovat sv\u00e9 \u00faspory do investi\u010dn\u00edch diamant\u016f.                                                                                                                                                                                                                                                                                                                                                                                                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