[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.watero.cz\/spravne-zvoleni-cilove-castky-je-pul-uspechu\/#Article","mainEntityOfPage":"https:\/\/www.watero.cz\/spravne-zvoleni-cilove-castky-je-pul-uspechu\/","headline":"Spr\u00e1vn\u00e9 zvolen\u00ed c\u00edlov\u00e9 \u010d\u00e1stky je p\u016fl \u00fasp\u011bchu","name":"Spr\u00e1vn\u00e9 zvolen\u00ed c\u00edlov\u00e9 \u010d\u00e1stky je p\u016fl \u00fasp\u011bchu","description":"Ne\u017e uzav\u0159ete stavebn\u00ed spo\u0159en\u00ed, je d\u016fle\u017eit\u00e9 si ujasnit, zda budete cht\u00edt \u0161et\u0159it anebo vyu\u017e\u00edt \u00fav\u011br. Pokud chcete vyu\u017e\u00edt stavebn\u00ed spo\u0159en\u00ed pouze na spo\u0159en\u00ed po dobu 6 let, nedoporu\u010duje se d\u00e1vat vysokou c\u00edlovou \u010d\u00e1stku. Ide\u00e1ln\u00ed \u010d\u00e1stka je do 200\u00a0000 K\u010d. D\u016fle\u017eit\u00e9 je v\u011bd\u011bt, \u017ee uhrad\u00edte poplatek za zprost\u0159edkov\u00e1n\u00ed. Je to okolo 1 % z\u00a0c\u00edlov\u00e9 \u010d\u00e1stky. Velmi […]","datePublished":"2023-05-05","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.watero.cz\/author\/#Person","name":"","url":"https:\/\/www.watero.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ade5060b95d9432296fc92debd2ba3136f7a4d727a7bc57afe18c4808c7d7ac9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ade5060b95d9432296fc92debd2ba3136f7a4d727a7bc57afe18c4808c7d7ac9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"watero.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.watero.cz\/wp-content\/uploads\/img_a315822_w2527_t1526757748.jpg","url":"https:\/\/www.watero.cz\/wp-content\/uploads\/img_a315822_w2527_t1526757748.jpg","height":0,"width":0},"url":"https:\/\/www.watero.cz\/spravne-zvoleni-cilove-castky-je-pul-uspechu\/","about":["Finance"],"wordCount":417,"articleBody":"Ne\u017e uzav\u0159ete stavebn\u00ed spo\u0159en\u00ed, je d\u016fle\u017eit\u00e9 si ujasnit, zda budete cht\u00edt \u0161et\u0159it anebo vyu\u017e\u00edt \u00fav\u011br. Pokud chcete vyu\u017e\u00edt stavebn\u00ed spo\u0159en\u00ed pouze na spo\u0159en\u00ed po dobu 6 let, nedoporu\u010duje se d\u00e1vat vysokou c\u00edlovou \u010d\u00e1stku. Ide\u00e1ln\u00ed \u010d\u00e1stka je do 200\u00a0000 K\u010d. D\u016fle\u017eit\u00e9 je v\u011bd\u011bt, \u017ee uhrad\u00edte poplatek za zprost\u0159edkov\u00e1n\u00ed. Je to okolo 1 % z\u00a0c\u00edlov\u00e9 \u010d\u00e1stky. Velmi \u010dasto se tyto smlouvy uzav\u00edraj\u00ed na konci roku. A d\u016fvod? Pokud na spo\u0159ic\u00ed \u00fa\u010det vlo\u017e\u00edte najednou 20\u00a0000 K\u010d plus poplatky, z\u00edsk\u00e1te maxim\u00e1ln\u00ed st\u00e1tn\u00ed podporu za uplynul\u00fd rok zp\u011btn\u011b. A to se ur\u010dit\u011b vyplat\u00ed.\t\tCo byste m\u011bli v\u011bd\u011bt p\u0159ed uzav\u0159en\u00edm stavebn\u00edho spo\u0159en\u00ed? \t\u00a0\tKdy\u017e u\u017e uzav\u0159ete stavebn\u00ed spo\u0159en\u00ed, m\u011bli byste v\u011bd\u011bt, \u017ee vklady jsou \u00faro\u010deny \u00farokovou sazbou, kterou poji\u0161\u0165ovna nesm\u00ed zm\u011bnit minim\u00e1ln\u011b po dobu 6 let. Kdy\u017e u\u017e n\u011bjakou dobu spo\u0159\u00edte a m\u00e1te na \u00fa\u010dt\u016f pen\u00edze, nen\u00ed mo\u017en\u00e9 je pr\u016fb\u011b\u017en\u011b vyb\u00edrat. Pokud hotovost chcete vybrat, je pot\u0159eba stavebn\u00ed spo\u0159en\u00ed vypov\u011bd\u011bt a pen\u00edze dostanete v\u0161echny. Pokud, ale tedy smlouvu vypov\u00edte d\u0159\u00edve, ne\u017e uplyne 6 let, p\u0159ijdete o st\u00e1tn\u00ed podporu a bude V\u00e1m na\u00fa\u010dtov\u00e1n poplatek za p\u0159ed\u010dasn\u00e9 ukon\u010den\u00ed smlouvy. D\u011bl\u00e1 to obvykle 1 % z\u00a0c\u00edlov\u00e9 \u010d\u00e1stky. Pokud, ale n\u011bjakou dobu spo\u0159\u00edte a spln\u00edte v\u0161echny pot\u0159ebn\u00e9 podm\u00ednky, m\u016f\u017eete vyu\u017e\u00edt stavebn\u00edho \u00fav\u011bru. Ale nen\u00ed to samoz\u0159ejm\u011b podm\u00ednkou. Rozhodnut\u00ed je pouze na V\u00e1s.\t\tUkon\u010den\u00ed spo\u0159en\u00ed? Obr\u0148te se trp\u011blivost\u00ed\t\u00a0\tPokud jste vzorn\u011b spo\u0159ili na stavebn\u00ed spo\u0159en\u00ed a uplynula \u0161esti let\u00e1 v\u00e1zac\u00ed doba spo\u0159en\u00ed, m\u016f\u017eete si sv\u00e9 stavebn\u00ed spo\u0159en\u00ed ukon\u010dit, ani\u017e by V\u00e1m byl na\u00fa\u010dtov\u00e1n poplatek za p\u0159ed\u010dasn\u00e9 ukon\u010den\u00ed a dostanete naspo\u0159enou \u010d\u00e1stku v\u010detn\u011b st\u00e1tn\u00ed podpory. Pravidlo pro jej\u00ed z\u00edsk\u00e1n\u00ed je datum vyplacen\u00ed pen\u011bz ze stavebn\u00edho spo\u0159en\u00ed. Tak\u017ee je mo\u017en\u00e9 o ukon\u010den\u00ed po\u017e\u00e1dat 3 m\u011bs\u00edce p\u0159edem. Pro\u010d 3 m\u011bs\u00edce? Nesm\u00edte zapom\u00ednat na 3 m\u011bs\u00ed\u010dn\u00ed v\u00fdpov\u011bdn\u00ed lh\u016ftu. Ta nab\u00edh\u00e1 prvn\u00edho dne m\u011bs\u00edce, kter\u00fd n\u00e1sleduje po m\u011bs\u00edci, kdy bude V\u00e1mi smlouva vypov\u011bzen\u00e1.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Spr\u00e1vn\u00e9 zvolen\u00ed c\u00edlov\u00e9 \u010d\u00e1stky je p\u016fl \u00fasp\u011bchu","item":"https:\/\/www.watero.cz\/spravne-zvoleni-cilove-castky-je-pul-uspechu\/#breadcrumbitem"}]}]