{"id":8233,"date":"2023-11-24T10:14:38","date_gmt":"2023-11-24T09:14:38","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=8233"},"modified":"2023-11-24T15:14:56","modified_gmt":"2023-11-24T14:14:56","slug":"caka-nas-rekordne-zadlzovanie-kvoli-vianociam","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/caka-nas-rekordne-zadlzovanie-kvoli-vianociam\/","title":{"rendered":"5 r\u00e1d o \u00faveroch pred Vianocami: Ko\u013eko zaplat\u00edte, ak si na dar\u010deky po\u017ei\u010diate 500, 800 \u010di 2000 eur?"},"content":{"rendered":"\n<p><strong>Vypukne medzi Slov\u00e1kmi n\u00e1kupn\u00e9 \u0161ialenstvo alebo bud\u00fa tohtoro\u010dn\u00e9 Vianoce naozaj sviatkami pokoja? Ke\u010f\u017ee objemy spotrebn\u00fdch \u00faverov v roku 2023 rast\u00fa, mo\u017eno predpoklada\u0165, \u017ee aj na Vianoce si bude po\u017ei\u010diava\u0165 na dar\u010deky viac \u013eud\u00ed ako vlani. Zadl\u017eova\u0165 sa kv\u00f4li dar\u010dekom v\u0161ak nie je dobr\u00fd n\u00e1pad. Ak sa u\u017e tomu nem\u00f4\u017eete vyhn\u00fa\u0165, siahnite po rozumnej\u0161\u00edch \u00faverov\u00fdch mo\u017enostiach.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-slov-ci-si-cez-spotreb-ky-po-i-iavaj-viac-roky-s-vy-ie\">Slov\u00e1ci si cez spotreb\u00e1ky po\u017ei\u010diavaj\u00fa viac, \u00faroky s\u00fa vy\u0161\u0161ie<\/a><\/li><li class=\"\"><a href=\"#htoc-predviano-n-kampane-s-l-kav-kr-tkodob-m-rie-en-m-m-e-by-debet-i-kreditka\">Predviano\u010dn\u00e9 kampane s\u00fa l\u00e1kav\u00e9, kr\u00e1tkodob\u00fdm rie\u0161en\u00edm m\u00f4\u017ee by\u0165 debet \u010di kreditka<\/a><\/li><li class=\"\"><a href=\"#htoc-5-r-d-o-p-i-k-ch-pred-vianocami\">5 r\u00e1d o p\u00f4\u017ei\u010dk\u00e1ch pred Vianocami<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<p>Po\u017ei\u010diava\u0165 si peniaze na viano\u010dn\u00e9 dar\u010deky je \u0161pecifick\u00e1 discipl\u00edna. Niektor\u00ed \u013eudia sa jej \u017eia\u013e venuj\u00fa pravidelne a naj\u010dastej\u0161ie sa t\u00fdmto sp\u00f4sobom e\u0161te viac zadl\u017eia pr\u00e1ve t\u00ed, ktor\u00ed u\u017e nejak\u00e9 \u00favery spl\u00e1caj\u00fa. Je dobr\u00e9 pripomen\u00fa\u0165, \u017ee bra\u0165 si \u00faver len kv\u00f4li kr\u00e1tkodob\u00e9mu pote\u0161eniu z dar\u010dekov nie je rozumn\u00e9.<\/p>\n\n\n\n<p>Ak si budete po\u017ei\u010diava\u0165 peniaze kv\u00f4li Vianociam, dajte si pozor na to, aby ste neurobili fat\u00e1lnu chybu. Jedno zl\u00e9 rozhodnutie v\u00e1s m\u00f4\u017ee obmedzi\u0165 pri in\u00fdch, ove\u013ea d\u00f4le\u017eitej\u0161\u00edch finan\u010dn\u00fdch pl\u00e1noch. Pri spotrebn\u00fdch \u00faveroch sa dnes \u00farokov\u00e9 sadzby pohybuj\u00fa v rozmedz\u00ed od 4,69 % do 12,9 %. \u010co sa t\u00fdka nebankov\u00fdch p\u00f4\u017ei\u010diek, tam sa \u00faroky \u0161plhaj\u00fa od 6,9 % a\u017e do 25 %.<\/p>\n\n\n\n<h2 id=\"htoc-slov-ci-si-cez-spotreb-ky-po-i-iavaj-viac-roky-s-vy-ie\"><strong><span style=\"color: #ec8124;\">Slov\u00e1ci si cez spotreb\u00e1ky po\u017ei\u010diavaj\u00fa viac, \u00faroky s\u00fa vy\u0161\u0161ie<\/span><\/strong><\/h2>\n\n\n\n<p>Slov\u00e1ci dnes op\u00e4\u0165 vo ve\u013ekom siahaj\u00fa po spotrebn\u00fdch \u00faveroch. Po nieko\u013ekoro\u010dnom \u00fatlme ich objemy dosahuj\u00fa takmer tak\u00e9 \u00farovne, ako ke\u010f boli na maxim\u00e1ch v roku 2019. D\u00f4vodov je viacero.<\/p>\n\n\n\n<p>Dnes je omnoho komplikovanej\u0161ie <a href=\"https:\/\/www.fingo.sk\/blog\/8-najcastejsich-otazok-o-hypotekach-a-realitach-v-roku-2023\/\">dosta\u0165 sa k hypot\u00e9ke<\/a>, ktor\u00fa mnoho dom\u00e1cnost\u00ed vyu\u017e\u00edvalo aj ako dodato\u010dn\u00fd zdroj financi\u00ed napr\u00edklad na <a href=\"https:\/\/www.fingo.sk\/blog\/porovnajte-si-ci-sa-oplati-viac-hypoteka-alebo-spotrebny-uver\/\">rekon\u0161trukciu bytu<\/a> \u010di in\u00e9 potreby. Navy\u0161e, \u00faroky na spotrebn\u00fdch \u00faveroch za\u010dali r\u00e1s\u0165 nesk\u00f4r a v\u00fdrazne pomal\u0161ie v porovnan\u00ed s hypot\u00e9kami. Pod\u013ea \u0161tatist\u00edk N\u00e1rodnej banky Slovenska sa dnes hypotek\u00e1rne \u00favery poskytuj\u00fa s priemern\u00fdmi \u00farokmi okolo 4 %, spotrebn\u00e9 \u00favery v priemere okolo 9 %. Pre porovnanie, pred dvoma rokmi ste hypot\u00e9ku dostali za 1 %-tn\u00fd \u00farok a spotrebn\u00fd \u00faver v priemere za 7 %.<\/p>\n\n\n\n<p>Druh\u00fdm d\u00f4vodom pre\u010do z\u00e1ujem o spotrebn\u00e9 \u00favery vzr\u00e1stol, je aj vysok\u00e1 infl\u00e1cia. Ako ste si u\u017e zrejme v\u0161imli aj vy, tovary s\u00fa v\u00fdrazne drah\u0161ie ako v minulosti. Mnoho dom\u00e1cnost\u00ed, ktor\u00fdm sa nezv\u00fd\u0161ili pr\u00edjmy, si na nov\u00e9 auto, dovolenku alebo aj na dar\u010deky jednoducho mus\u00ed po\u017ei\u010da\u0165. Svoju \u00falohu tu zohr\u00e1va aj skuto\u010dnos\u0165, \u017ee dom\u00e1cnostiam klesaj\u00fa \u00faspory, na ktor\u00e9 za\u010dali siaha\u0165 v d\u00f4sledku zhor\u0161enej ekonomickej situ\u00e1cie. <\/p>\n\n\n\n<p>V\u0161etky tieto faktory m\u00f4\u017eu sp\u00f4sobi\u0165, \u017ee si na viano\u010dn\u00e9 dar\u010deky v tomto roku bude po\u017ei\u010diava\u0165 viac \u013eud\u00ed ako tomu bolo v predch\u00e1dzaj\u00facich rokoch. Zv\u00e1\u017ete si v\u0161ak, \u010di spotrebn\u00fd \u00faver naozaj potrebujete a \u010di je rozumn\u00e9 spl\u00e1ca\u0165 dar\u010deky napr\u00edklad a\u017e do \u010fal\u0161\u00edch Vianoc a v niektor\u00fdch pr\u00edpadoch aj dlh\u0161ie.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1025\" height=\"351\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/11\/vanocni-uvery_board-08.jpg\" alt=\"\" class=\"wp-image-8286\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/11\/vanocni-uvery_board-08.jpg 1025w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/11\/vanocni-uvery_board-08-300x103.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/11\/vanocni-uvery_board-08-768x263.jpg 768w\" sizes=\"(max-width: 1025px) 100vw, 1025px\" \/><\/figure>\n\n\n\n<p><strong><em>Ako efekt\u00edvne nakupova\u0165 dar\u010deky sa dozviete v blogu <a href=\"https:\/\/www.fingo.sk\/blog\/10-rad-ako-nakupovat-vianocne-darceky-a-usetrit\/\">10 r\u00e1d ako nakupova\u0165 viano\u010dn\u00e9 dar\u010deky a u\u0161etri\u0165. <\/a><\/em><\/strong><\/p>\n\n\n\n<h2 id=\"htoc-predviano-n-kampane-s-l-kav-kr-tkodob-m-rie-en-m-m-e-by-debet-i-kreditka\"><strong><span style=\"color: #ec8124;\">Predviano\u010dn\u00e9 kampane s\u00fa l\u00e1kav\u00e9, kr\u00e1tkodob\u00fdm rie\u0161en\u00edm m\u00f4\u017ee by\u0165 debet \u010di kreditka<\/span><\/strong><\/h2>\n\n\n\n<p>Predviano\u010dn\u00e9 kampane obchodn\u00edkov s\u00fa u\u017e v plnom pr\u00fade, \u013eudia sa preto pozeraj\u00fa po mo\u017enostiach, ako si nakupovanie zjednodu\u0161i\u0165. Finan\u010dn\u00e9 domy zrejme zaznamenaj\u00fa zv\u00fd\u0161en\u00fd dopyt po p\u00f4\u017ei\u010dk\u00e1ch na viano\u010dn\u00e9 n\u00e1kupy. Niektor\u00e9 bud\u00fa pon\u00faka\u0165 akcie v podobe odpustenia poplatku za poskytnutie \u00faveru, \u010di zv\u00fdhodnenie \u00farokov alebo finan\u010dn\u00fd benefit pod\u013ea v\u00fd\u0161ky \u00faveru. Nebankovky v\u00e1s bud\u00fa l\u00e1ka\u0165 na odlo\u017eenie \u010di odpustenie nieko\u013ek\u00fdch spl\u00e1tok.\u00a0\u00a0<\/p>\n\n\n\n<p>Ak si u\u017e naozaj potrebujete po\u017ei\u010da\u0165 zop\u00e1r stoviek \u010di tis\u00edcku eur, men\u0161\u00edm zlom je povolen\u00e9 pre\u010derpanie, resp. in\u00fdmi slovami debet na be\u017enom \u00fa\u010dte alebo vyu\u017eitie kreditnej karty. Pri t\u00fdchto \u00faverov\u00fdch produktoch je najd\u00f4le\u017eitej\u0161ie odsledova\u0165 si, na ako dlho si peniaze po\u017ei\u010diate a nezabudn\u00fa\u0165 debet vyrovna\u0165, resp. peniaze na kreditku vr\u00e1ti\u0165 \u010do najsk\u00f4r. Inak riskujete, \u017ee sa v\u00e1m \u00faroky nazbieraj\u00fa a aj na t\u00fdchto \u00faveroch preplat\u00edte viac ako ste pl\u00e1novali. \u010co sa t\u00fdka povolen\u00e9ho pre\u010derpania, akon\u00e1hle v\u00e1m na be\u017enom \u00fa\u010dte pribudn\u00fa peniaze, automaticky poputuj\u00fa najsk\u00f4r na splatenie debetu a zvy\u0161ok ost\u00e1va priamo na \u00fa\u010dte.<\/p>\n\n\n\n<p><strong><span style=\"color: #ec8124;\">PR\u00cdKLAD: <\/span><\/strong>Ak by ste z povolen\u00e9ho pre\u010derpania pou\u017eili napr\u00edklad 500 eur a o mesiac ich splat\u00edte, banka si za obdobie 30 dn\u00ed zinkasuje necel\u00fdch 9 eur. No ak by ste peniaze vr\u00e1tili a\u017e po roku, preplat\u00edte na tom takmer 100 eur a po dvoch rokoch takmer 200 eur. V pr\u00edpade debetu na \u00fa\u010dte vo v\u00fd\u0161ke 1000 eur sa toto celkov\u00e9 preplatenie zdvojn\u00e1sob\u00ed, \u010di\u017ee by ste banke po roku na \u00farokoch vr\u00e1tili 200 eur a po dvoch rokoch a\u017e 400 eur.<\/p>\n\n\n\n<p>Najmenej v\u00fdhodn\u00fdm rie\u0161en\u00edm s\u00fa \u0161tandardne pr\u00e1ve \u00faverov\u00e9 produkty nebankov\u00fdch spolo\u010dnost\u00ed. Niektor\u00e9 typy nebankov\u00fdch subjektov, hlavne p\u00f4\u017ei\u010dky per-to-per v\u00e1m radi po\u017ei\u010daj\u00fa, nech je u\u017e va\u0161a finan\u010dn\u00e1 situ\u00e1cia ak\u00e1ko\u013evek, av\u0161ak \u00faroky s\u00fa vysok\u00e9 a obvykle pri nich hroz\u00ed ve\u013ek\u00e9 preplatenie. Je potrebn\u00e9 si pozorne \u010d\u00edta\u0165 v\u0161etky podrobnosti v podmienkach p\u00f4\u017ei\u010dky. Ide\u00e1lne je sa tak\u00fdmto r\u00fdchlym \u00faverom rad\u0161ej vyhn\u00fa\u0165.<br><br><div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n<\/p>\n\n\n\n<h2 id=\"htoc-5-r-d-o-p-i-k-ch-pred-vianocami\"><strong><span style=\"color: #ec8124;\">5 r\u00e1d o p\u00f4\u017ei\u010dk\u00e1ch pred Vianocami<\/span><\/strong><\/h2>\n\n\n\n<p><em><strong><span style=\"color: #ec8124;\">1. Nezadl\u017eujte sa kv\u00f4li Vianociam. <\/span><\/strong><\/em><em>Ak ste si na viano\u010dn\u00e9 dar\u010deky nenasporili a v s\u00fa\u010dasnosti nem\u00e1te pe\u0148az\u00ed nazvy\u0161, nerobte \u017eiadne nepremyslen\u00e9 a un\u00e1hlen\u00e9 n\u00e1kupn\u00e9 rozhodnutia, ktor\u00e9 by v\u00e1s nesk\u00f4r mohli mrzie\u0165. Impulz\u00edvne nakupovanie m\u00f4\u017ee na\u0161trbi\u0165 va\u0161e \u010fal\u0161ie, ove\u013ea d\u00f4le\u017eitej\u0161ie finan\u010dn\u00e9 pl\u00e1ny. Rad\u0161ej sa uskromnite, existuj\u00fa aj in\u00e9 lacnej\u0161ie alebo aj bezplatn\u00e9 alternat\u00edvy, ako m\u00f4\u017eete urobi\u0165 rados\u0165 va\u0161im bl\u00edzkym. <\/em><\/p>\n\n\n\n<p><em><strong><span style=\"color: #ec8124;\">2. Pozor na nakupovanie formou spl\u00e1tkov\u00e9ho predaja.<\/span><\/strong><\/em><em style=\"color: initial;\">&nbsp;Predajcovia v\u00e1s dok\u00e1\u017eu ve\u013emi r\u00fdchlo namotivovova\u0165, aby ste nak\u00fapili tovar aj na spl\u00e1tky, ktor\u00e9 si m\u00f4\u017eete odlo\u017ei\u0165 na nesk\u00f4r a za\u010da\u0165 ich spl\u00e1ca\u0165 napr\u00edklad a\u017e o tri mesiace. No a\u017e po Vianociach si \u013eudia zv\u00e4\u010d\u0161a uvedomia, \u017ee peniaze potrebuj\u00fa na nie\u010do in\u00e9, ove\u013ea d\u00f4le\u017eitej\u0161ie, napr\u00edklad pl\u00e1novali rekon\u0161trukciu b\u00fdvania a zrazu im financie na to nevych\u00e1dzaj\u00fa.<\/em><\/p>\n\n\n\n<p><em style=\"color: initial;\"><strong><em><span style=\"color: #ec8124;\">3. Pri spl\u00e1tkovom n\u00e1kupe treba d\u00e1va\u0165 pozor aj na navonok l\u00e1kav\u00fa mo\u017enos\u0165 vyu\u017ei\u0165 spl\u00e1tky &#8222;bez nav\u00fd\u0161enia&#8220;.<\/span><\/em><\/strong><\/em><strong><em style=\"color: initial;\">&nbsp;<\/em><\/strong><em style=\"color: initial;\">Ak toti\u017e nedodr\u017e\u00edte presne stanoven\u00e9 podmienky spl\u00e1tkov\u00e9ho kalend\u00e1ra a napr\u00edklad neutiahnete vysok\u00fa spl\u00e1tku ka\u017ed\u00fd mesiac, po\u0161lete ni\u017e\u0161iu sumu alebo sa so spl\u00e1tkou oneskor\u00edte, potom u\u017e budete pokra\u010dova\u0165 v spl\u00e1can\u00ed dlhu so \u0161tandardn\u00fdm \u00farokom. A ten nemus\u00ed by\u0165 n\u00edzky.<\/em><\/p>\n\n\n\n<p><em><strong><em style=\"color: initial;\"><span style=\"color: #ec8124;\">4. Zradn\u00e1 m\u00f4\u017ee by\u0165 aj kreditn\u00e1 karta \u010di povolen\u00e9 pre\u010derpanie na \u00fa\u010dte.<\/span><\/em><\/strong><\/em><em>&nbsp;Ak ich m\u00e1te zriaden\u00e9, m\u00f4\u017eete na nich \u00eds\u0165 kedyko\u013evek do m\u00ednusu. Mo\u017eno si poviete, \u017ee tieto peniaze predsa \u010d\u00edm sk\u00f4r vr\u00e1tite sp\u00e4\u0165 na \u00fa\u010det \u010di na kreditku &#8211; ale \u010di to aj spln\u00edte, je druh\u00e1 vec. Bal\u00edk pe\u0148az\u00ed je v\u017edy ove\u013ea \u013eah\u0161ie vytiahnu\u0165 ako vr\u00e1ti\u0165. Aj tieto navonok jednoduch\u00e9 a \u013eahko dostupn\u00e9 \u00faverov\u00e9 produkty s\u00fa \u00faro\u010den\u00e9 vysok\u00fdmi sadzbami a ak ich r\u00fdchlo nesplat\u00edte, re\u00e1lne sa v\u00e1m vr\u00e1tenie pe\u0148az\u00ed predra\u017e\u00ed.<\/em><\/p>\n\n\n\n<p><em><strong><em style=\"color: initial;\"><span style=\"color: #ec8124;\">5. Pri spotrebn\u00fdch \u00faveroch nezab\u00fadajte aj na vysok\u00e9 poplatky za poskytnutie \u00faveru.<\/span><\/em><\/strong><\/em><em>&nbsp;Spotrebn\u00fd \u00faver nie je vhodn\u00fd pri ni\u017e\u0161\u00edch v\u00fddavkoch v hodnote p\u00e1r stoviek eur. Pozor aj na to, \u017ee pri spotrebn\u00fdch \u00faveroch maj\u00fa \u013eudia tendenciu po\u017ei\u010da\u0165 si viac ako p\u00f4vodne pl\u00e1novali. Ale potom to u\u017e nebude len \u201eviano\u010dn\u00e1\u201d p\u00f4\u017ei\u010dka, ale dlhodob\u00e1 z\u00e1\u0165a\u017e rozpo\u010dtu dom\u00e1cnosti na nieko\u013eko rokov. <\/em><\/p>\n\n\n\n<p><strong><span style=\"color: #ec8124;\">PR\u00cdKLAD: <\/span><\/strong><em>\u201eAk si chcete po\u017ei\u010da\u0165 napr\u00edklad 1000 eur, spotrebn\u00fd \u00faver s \u00farokom 6 % a ro\u010dnou splatnos\u0165ou bude ma\u0165 mesa\u010dn\u00fa spl\u00e1tku 86,07 eur a celkovo ho na \u00farokoch preplat\u00edte o takmer 33 eur. Nebankov\u00fd \u00faver so \u0161tandardn\u00fdm \u00farokom 14,9 % v\u00e1s pri ro\u010dnej splatnosti m\u00f4\u017ee st\u00e1\u0165 90,21 eur mesa\u010dne a za rok ho preplat\u00edte a\u017e o 83 eur. Pre porovnanie, pri povolenom pre\u010derpan\u00ed, ktor\u00e9 by ste na \u00fa\u010det vr\u00e1tili a\u017e po roku, bude celkov\u00e9 preplatenie najvy\u0161\u0161ie &#8211; a to takmer o 200 eur. Preto je nevyhnutn\u00e9 peniaze z povolen\u00e9ho pre\u010derpania vr\u00e1ti\u0165 na svoj \u00fa\u010det \u010do najsk\u00f4r<\/em>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1025\" height=\"664\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/11\/vanocni-uvery_board-07.jpg\" alt=\"\" class=\"wp-image-8283\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/11\/vanocni-uvery_board-07.jpg 1025w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/11\/vanocni-uvery_board-07-300x194.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/11\/vanocni-uvery_board-07-768x498.jpg 768w\" sizes=\"(max-width: 1025px) 100vw, 1025px\" \/><\/figure>\n\n\n\n<p><em>Najlep\u0161\u00edm rie\u0161en\u00edm je v\u0161ak na dar\u010deky si naspori\u0165. Nezadl\u017eujte sa, rad\u0161ej investujte.<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.fingo.sk\/investovanie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=invest_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/01\/Investicna-kalkulacka-Fingo.gif\" alt=\"\" class=\"wp-image-7080\"\/><\/a><\/figure>\n\n\n\n<p><p><span style=\"font-weight: 400;\">Na\u0161i klienti investuj\u00fa do ETF pravidelne ka\u017ed\u00fd mesiac. Touto formou sporia napr\u00edklad aj na bud\u00facnos\u0165 svojich det\u00ed alebo na svoj lep\u0161\u00ed d\u00f4chodok. Je to jedna z najlep\u0161\u00edch foriem, ako m\u00f4\u017eete <a href=\"https:\/\/inflacna-kalkulacka.sk\/\">porazi\u0165 infl\u00e1ciu<\/a> a z\u00e1rove\u0148 va\u0161e finan\u010dn\u00e9 prostriedky v\u00fdhodne zhodnoti\u0165.\u00a0Ak chcete efekt\u00edvne investova\u0165 do ETF aj vy, zavolajte n\u00e1m do FinGO.sk na\u00a0<a href=\"tel:0800601060\">0800 60 10 60<\/a>\u00a0alebo n\u00e1m zanechajte va\u0161e <a href=\"https:\/\/www.fingo.sk\/kontakty\">kontaktn\u00e9 \u00fadaje<\/a> a my sa v\u00e1m ozveme.\u00a0<\/span><span style=\"color: #ec8124;\"><span style=\"color: #333333;\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/8233#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/span><\/span><\/p> <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vypukne medzi Slov\u00e1kmi n\u00e1kupn\u00e9 \u0161ialenstvo alebo bud\u00fa tohtoro\u010dn\u00e9 Vianoce naozaj sviatkami pokoja? Ke\u010f\u017ee objemy spotrebn\u00fdch \u00faverov v roku 2023 rast\u00fa, mo\u017eno predpoklada\u0165, \u017ee aj na Vianoce si bude po\u017ei\u010diava\u0165 na dar\u010deky viac \u013eud\u00ed ako vlani. Zadl\u017eova\u0165 sa kv\u00f4li dar\u010dekom v\u0161ak nie je dobr\u00fd n\u00e1pad. Ak sa u\u017e tomu nem\u00f4\u017eete vyhn\u00fa\u0165, siahnite po rozumnej\u0161\u00edch \u00faverov\u00fdch mo\u017enostiach. Po\u017ei\u010diava\u0165 si peniaze na viano\u010dn\u00e9 dar\u010deky je \u0161pecifick\u00e1 discipl\u00edna. Niektor\u00ed \u013eudia sa jej \u017eia\u013e venuj\u00fa pravidelne a naj\u010dastej\u0161ie sa t\u00fdmto sp\u00f4sobom e\u0161te viac zadl\u017eia pr\u00e1ve t\u00ed, ktor\u00ed u\u017e nejak\u00e9 \u00favery spl\u00e1caj\u00fa. Je dobr\u00e9 pripomen\u00fa\u0165, \u017ee bra\u0165 si \u00faver len kv\u00f4li kr\u00e1tkodob\u00e9mu pote\u0161eniu z dar\u010dekov nie je rozumn\u00e9. Ak si budete po\u017ei\u010diava\u0165 peniaze kv\u00f4li Vianociam, dajte si pozor na to, aby ste neurobili fat\u00e1lnu chybu. Jedno zl\u00e9 rozhodnutie v\u00e1s m\u00f4\u017ee obmedzi\u0165 pri in\u00fdch, ove\u013ea d\u00f4le\u017eitej\u0161\u00edch finan\u010dn\u00fdch pl\u00e1noch. Pri spotrebn\u00fdch \u00faveroch sa dnes \u00farokov\u00e9 sadzby pohybuj\u00fa v rozmedz\u00ed od 4,69 % do 12,9 %. \u010co sa t\u00fdka nebankov\u00fdch p\u00f4\u017ei\u010diek, tam sa \u00faroky \u0161plhaj\u00fa od 6,9 % a\u017e do 25 %. Slov\u00e1ci si cez spotreb\u00e1ky po\u017ei\u010diavaj\u00fa viac, \u00faroky s\u00fa vy\u0161\u0161ie Slov\u00e1ci dnes op\u00e4\u0165 vo ve\u013ekom siahaj\u00fa po spotrebn\u00fdch \u00faveroch. Po nieko\u013ekoro\u010dnom \u00fatlme ich objemy dosahuj\u00fa takmer tak\u00e9 \u00farovne, ako ke\u010f boli na maxim\u00e1ch v roku 2019. D\u00f4vodov je [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":8235,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,73],"tags":[141,181,140],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 r\u00e1d o \u00faveroch pred Vianocami: Ko\u013eko zaplat\u00edte, ak si na dar\u010deky po\u017ei\u010diate 500, 800 \u010di 2000 eur? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Objemy spotrebn\u00fdch \u00faverov v roku 2023 rast\u00fa a bl\u00ed\u017eiace sa Vianoce znamenaj\u00fa aj viac \u00faverov. 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