[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lastavica.cz\/je-stavebni-sporeni-stale-vyhodne-nebo-neni\/#Article","mainEntityOfPage":"https:\/\/www.lastavica.cz\/je-stavebni-sporeni-stale-vyhodne-nebo-neni\/","headline":"Je stavebn\u00ed spo\u0159en\u00ed st\u00e1le v\u00fdhodn\u00e9, nebo nen\u00ed","name":"Je stavebn\u00ed spo\u0159en\u00ed st\u00e1le v\u00fdhodn\u00e9, nebo nen\u00ed","description":"Z\u00e1kon o stavebn\u00edm spo\u0159en\u00ed vze\u0161el v\u00a0platnost v\u00a0b\u0159eznu 1993. Od t\u00e9 doby vyu\u017eilo jeho slu\u017eeb v\u00edce … ","datePublished":"2018-06-05","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.lastavica.cz\/author\/#Person","name":"","url":"https:\/\/www.lastavica.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lastavica.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lastavica.cz\/wp-content\/uploads\/img_a321542_w2263_t1532769625.jpg","url":"https:\/\/www.lastavica.cz\/wp-content\/uploads\/img_a321542_w2263_t1532769625.jpg","height":0,"width":0},"url":"https:\/\/www.lastavica.cz\/je-stavebni-sporeni-stale-vyhodne-nebo-neni\/","about":["Finance"],"wordCount":448,"articleBody":"\tZ\u00e1kon o stavebn\u00edm spo\u0159en\u00ed vze\u0161el v\u00a0platnost v\u00a0b\u0159eznu 1993. Od t\u00e9 doby vyu\u017eilo jeho slu\u017eeb v\u00edce ne\u017e dva miliony lid\u00ed, nejv\u011bt\u0161\u00ed z\u00e1jem byl v\u00a0jeho za\u010d\u00e1tc\u00edch a na p\u0159elomu nov\u00e9ho mil\u00e9nia. Tehdy byl je\u0161t\u011b pro mnoh\u00e9 z\u00a0n\u00e1s tento produkt zaj\u00edmav\u00fd a atraktivn\u00ed. Vyplat\u00ed se vyu\u017e\u00edt jeho v\u00fdhod i dnes?\t\tV\u00fdhody tohoto produktuP\u0159edev\u0161\u00edm je to st\u00e1tn\u00ed podpora, kter\u00e1 \u010din\u00ed st\u00e1le 10 procent ka\u017ed\u00fd rok z\u00a0naspo\u0159en\u00e9 \u010d\u00e1stky. Podm\u00ednkou je v\u0161ak fixovat slu\u017ebu a hlavn\u011b dodr\u017eet spl\u00e1tkov\u00fd kalend\u00e1\u0159 po dobu \u0161esti let. St\u00e1tn\u00ed podpora je ov\u0161em limitov\u00e1na maxim\u00e1ln\u00ed hranic\u00ed 2000 korun za rok. Z\u00edskat podporu je tak\u00e9 mo\u017en\u00e9 \u00fav\u011brem ze stavebn\u00edho spo\u0159en\u00ed.Co se t\u00fd\u010de \u00farok\u016f, ty jsou i v\u00fdhodn\u011bj\u0161\u00ed v\u00a0tomto segmentu, ne\u017e v\u00a0bankovn\u00edm sektoru. Jsou sice velmi n\u00edzk\u00e9, na sv\u00e9m dosavadn\u00edm minimu, ale v\u00fdhodn\u00e9 st\u00e1le jsou. Nejl\u00e9pe je na tom Raiffeisen stavebn\u00ed spo\u0159itelna a Bu\u0159inka od \u010cesk\u00e9 spo\u0159itelny, ty poskytuj\u00ed \u00farok 1 procento ro\u010dn\u011b k\u00a0z\u00e1kladn\u00edmu vkladu. Ostatn\u00ed stavebn\u00ed spo\u0159itelny \u00faro\u010d\u00ed vklady zhruba polovi\u010dn\u00edm \u00farokem. Ur\u010ditou v\u00fdhodou je, \u017ee \u00farok se za celou dobu spo\u0159en\u00ed nem\u011bn\u00ed, maxim\u00e1ln\u011b a\u017e po 6 letech pravideln\u00fdch spl\u00e1tek.\tNegativaV\u00a0prvn\u00ed \u0159ad\u011b je to fixace na 6 let, jinak p\u0159ijdete o st\u00e1tn\u00ed podporu a prakticky t\u00edm ztr\u00e1c\u00ed tento druh finan\u010dn\u00edho produktu hlavn\u00ed p\u0159ednost. Naspo\u0159en\u00fd obnos v\u0161ak m\u016f\u017eete vyu\u017e\u00edt na cokoliv, nejen tedy pouze a v\u00fdhradn\u011b na zaji\u0161t\u011bn\u00ed bydlen\u00ed nebo na stavbu \u010di rekonstrukci.Dal\u0161\u00ed nev\u00fdhodou jsou poplatky. Jsou dvoj\u00edho druhu. Prvn\u00ed je za veden\u00ed \u00fa\u010dtu a za zas\u00edl\u00e1n\u00ed v\u00fdpisu z\u00a0\u00fa\u010dtu. V\u00fdpisy mohou odch\u00e1zet bu\u010f m\u011bs\u00ed\u010dn\u011b, nebo \u010dtvrtletn\u011b, p\u0159\u00edpadn\u011b jednou za rok. Platby za veden\u00ed \u00fa\u010dtu vych\u00e1z\u00ed ro\u010dn\u011b zhruba na 350 korun.Druh\u00fd poplatek je za samotn\u00e9 uzav\u0159en\u00ed smlouvy a vypo\u010d\u00edt\u00e1v\u00e1 se v\u011bt\u0161inou z\u00a0c\u00edlov\u00e9 \u010d\u00e1stky. B\u00fdv\u00e1 ve v\u00fd\u0161i zhruba 1 procento z\u00a0c\u00edlov\u00e9 \u010d\u00e1stky. Tento obnos v\u0161ak b\u00fdv\u00e1 p\u0159edm\u011btem r\u016fzn\u00fdch marketingov\u00fdch tah\u016f s\u00a0c\u00edlem z\u00edskat z\u00e1kazn\u00edka, v\u00a0r\u00e1mci reklamn\u00ed kampan\u011b se st\u00e1v\u00e1, \u017ee p\u0159i uzav\u0159en\u00ed smlouvy online se tato \u010d\u00e1stka ne\u00fa\u010dtuje, anebo se v\u00fdznamn\u011b sni\u017euje. Vyplat\u00ed se tedy v\u00a0p\u0159\u00edpad\u011b z\u00e1jmu o stavebn\u00ed spo\u0159en\u00ed reklamn\u00ed akce stavebn\u00edch spo\u0159itelen sledovat.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (16 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je stavebn\u00ed spo\u0159en\u00ed st\u00e1le v\u00fdhodn\u00e9, nebo nen\u00ed","item":"https:\/\/www.lastavica.cz\/je-stavebni-sporeni-stale-vyhodne-nebo-neni\/#breadcrumbitem"}]}]