[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.spero.cz\/stavebni-sporeni-se-nove-vraci-na-trh\/#Article","mainEntityOfPage":"https:\/\/www.spero.cz\/stavebni-sporeni-se-nove-vraci-na-trh\/","headline":"Stavebn\u00ed spo\u0159en\u00ed se nov\u011b vrac\u00ed na trh","name":"Stavebn\u00ed spo\u0159en\u00ed se nov\u011b vrac\u00ed na trh","description":"Staronov\u00e9 produkty stavebn\u00edch spo\u0159itelen za\u010daly tedy nab\u00edzet vy\u0161\u0161\u00ed \u00farokovou sazby. V\u011bt\u0161inou zde existuj\u00ed podm\u00ednky, jako zalo\u017een\u00ed p\u0159es poradce spo\u0159itelny nebo zalo\u017een\u00ed po internetu, ale i tak je to velmi zaj\u00edmav\u00e9, proto\u017ee \u00farokov\u00e9 sazby se vy\u0161plhaly a\u017e k 1,2 procent\u016fm, co\u017e je jedna z nejlep\u0161\u00edch nab\u00eddek na trhu. Jedna ze spo\u0159itelen","datePublished":"2025-03-01","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.spero.cz\/author\/#Person","name":"","url":"https:\/\/www.spero.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"spero.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.spero.cz\/wp-content\/uploads\/img_a317661_w2361_t1528397856.png","url":"https:\/\/www.spero.cz\/wp-content\/uploads\/img_a317661_w2361_t1528397856.png","height":0,"width":0},"url":"https:\/\/www.spero.cz\/stavebni-sporeni-se-nove-vraci-na-trh\/","wordCount":460,"articleBody":"Staronov\u00e9 produkty stavebn\u00edch spo\u0159itelen za\u010daly tedy nab\u00edzet vy\u0161\u0161\u00ed \u00farokovou sazby. V\u011bt\u0161inou zde existuj\u00ed podm\u00ednky, jako zalo\u017een\u00ed p\u0159es poradce spo\u0159itelny nebo zalo\u017een\u00ed po internetu, ale i tak je to velmi zaj\u00edmav\u00e9, proto\u017ee \u00farokov\u00e9 sazby se vy\u0161plhaly a\u017e k 1,2 procent\u016fm, co\u017e je jedna z nejlep\u0161\u00edch nab\u00eddek na trhu. Jedna ze spo\u0159itelen dokonce vy\u0161roubovala u jednoho ze sv\u00fdch produkt\u016f sazbu a\u017e k 1,5 procenta.Podle pr\u016fzkum\u016f a vyj\u00e1d\u0159en\u00ed n\u011bkter\u00fdch spo\u0159itelen je ide\u00e1ln\u00ed spo\u0159it m\u011bs\u00ed\u010dn\u011b cca 1.700,- K\u010d na obdob\u00ed \u0161esti let, kter\u00e9 p\u0159i aktu\u00e1ln\u011b nejvy\u0161\u0161\u00edch \u00farokov\u00fdch sazb\u00e1ch a podpo\u0159e st\u00e1tu dos\u00e1hnou na zhodnocen\u00ed a\u017e 3,63 procenta ro\u010dn\u011b.Pokud uva\u017eujete o del\u0161\u00ed dob\u011b, pak na desetilet\u00e9m spo\u0159en\u00ed se stejnou \u010d\u00e1stkou kles\u00e1 procento zhodnocen\u00ed ro\u010dn\u011b na 2,58 procenta. I to v\u0161ak je st\u00e1le velmi zaj\u00edmavou nab\u00eddkou, nebo\u0165, jak bylo \u0159e\u010deno, nejvy\u0161\u0161\u00ed \u00farok nab\u00edzen\u00fd spo\u0159itelnami je 1,5 procenta.Na trhu je v tuto chv\u00edli dostupn\u00e9 spo\u0159en\u00ed od p\u011bti spo\u0159itelen, kter\u00e9 nab\u00edz\u00ed tyto produkty.\u00a0Na co si d\u00e1vat pozor, pokud do stavebn\u00edho spo\u0159en\u00ed p\u016fjdete taky?\u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00darokov\u00e1 sazba\u00a8Nezapom\u00ednejte na to, \u017ee \u00farokov\u00e1 sazba je opravdu d\u016fle\u017eit\u00e1. Ta je te\u010f na trhu mezi 1 a 1,5 procenta ro\u010dn\u011b. Kdy\u017e si vezmete, \u017ee vy mus\u00edte tak\u00e9 odv\u00e1d\u011bt patn\u00e1ct procent sr\u00e1\u017ekovou da\u0148 z p\u0159\u00edjm\u016f, je opravdu v\u00fd\u0161e sazby d\u016fle\u017eit\u00e1, proto\u017ee za my\u0161len\u00fdch \u0161est let bude velk\u00fd rozd\u00edl mezi jedn\u00edm procentem a jedn\u00edm a pul procentem kolem 1.700,- K\u010d.\u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Poplatky\u25e6\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Za uzav\u0159en\u00ed smlouvyPoplatky za uzav\u0159en\u00ed smlouvy jsou v\u011bt\u0161inou jedno procento z c\u00edlov\u00e9 \u010d\u00e1stky. To znamen\u00e1, \u017ee pokud t\u0159eba zvol\u00edte c\u00edlovou \u010d\u00e1stku ve v\u00fd\u0161i 160.000,- K\u010d, bude v\u00e1s poplatek za z\u0159\u00edzen\u00ed st\u00e1t 1.600,- K\u010d a v\u00fd\u0161e uveden\u00e9 z\u00edskan\u00e9 \u010d\u00e1stky d\u00edky dobr\u00e9mu \u00faroku jsou prakticky pry\u010d. Je dobr\u00e9 tedy hledat takov\u00fd produkt, kter\u00fd nebude m\u00edt tento poplatek za z\u0159\u00edzen\u00ed spo\u0159en\u00ed.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u25e6\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Za veden\u00ed smlouvyDal\u0161\u00ed z polo\u017eek, kterou je t\u0159eba si ohl\u00eddat p\u0159i v\u00fdb\u011bru vhodn\u00e9ho produktu. U v\u011bt\u0161iny spo\u0159itelen toti\u017e je tento poplatek cca 300,- K\u010d.\u00a0 Tomuto poplatku se nevyhnete. Pokud vyberete \u00fastav, kde budete platit 360,- K\u010d, zaplat\u00edte celkov\u011b za veden\u00ed slu\u017eby 2.160,- K\u010d, pokud si vyberete instituci, kde budete platit 300,- K\u010d ro\u010dn\u011b, bude to celkov\u011b pak 1.800,- K\u010d. To znamen\u00e1, \u017ee rozd\u00edl je pouh\u00fdch 360,- K\u010d, ale i ty se po\u010d\u00edtaj\u00ed. 4.8\/5 - (9 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Stavebn\u00ed spo\u0159en\u00ed se nov\u011b vrac\u00ed na trh","item":"https:\/\/www.spero.cz\/stavebni-sporeni-se-nove-vraci-na-trh\/#breadcrumbitem"}]}]