{"id":1770,"date":"2023-09-11T18:10:52","date_gmt":"2023-09-11T17:10:52","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1770"},"modified":"2024-05-31T09:17:38","modified_gmt":"2024-05-31T08:17:38","slug":"rozhovor-fingo-stavebni-sporeni-v-roce-2023","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/rozhovor-fingo-stavebni-sporeni-v-roce-2023\/","title":{"rendered":"Rozhovor FinGO: Stavebn\u00ed spo\u0159en\u00ed v roce 2023"},"content":{"rendered":"\n<p>Region\u00e1ln\u00edho \u0159editele FinGO Adama Ka\u0161ky jsme se zeptali na zm\u011bny ve st\u00e1tn\u00ed podpo\u0159e stavebn\u00edho spo\u0159en\u00ed. Na to, co se aktu\u00e1ln\u011b d\u011bje na trhu a jak\u00e9 jsou alternativy ke stavebn\u00edmu spo\u0159en\u00ed. Kde Adam vid\u00ed budoucnost tohoto produktu a co doporu\u010duje sv\u00fdm klient\u016fm.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-adame-konsolidacni-balicek-snizil-take-statni-podporu-stavebniho-sporeni-jak-je-aktualne-nastavena\"><strong>Adame, konsolida\u010dn\u00ed bal\u00ed\u010dek sn\u00ed\u017eil tak\u00e9 st\u00e1tn\u00ed podporu stavebn\u00edho spo\u0159en\u00ed. Jak je aktu\u00e1ln\u011b nastaven\u00e1?<\/strong><\/h2>\n\n\n\n<p>S nov\u00fdm konsolida\u010dn\u00edm bal\u00ed\u010dkem do\u0161lo ke sn\u00ed\u017een\u00ed st\u00e1tn\u00ed podpory z&nbsp;2 000 K\u010d za 20&nbsp;000 ro\u010dn\u011b na pouh\u00fdch 1 000 K\u010d na vlo\u017een\u00fdch 20&nbsp;000 K\u010d. Nomin\u00e1ln\u00ed zhodnocen\u00ed \u010din\u00ed 5 %, ale pokud si vezmeme c\u00edlovou \u010d\u00e1stku 120&nbsp;000 K\u010d za 6 let, tak tam u\u017e to procento st\u00e1tn\u00ed podpory d\u011bl\u00e1 jen zhruba 0,8 %.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Co by m\u011bl klient o stavebn\u00edm spo\u0159en\u00ed je\u0161t\u011b v\u011bd\u011bt?<\/strong><\/h2>\n\n\n\n<p>Jeho nev\u00fdhodou je, \u017ee v tomto produktu mus\u00edte dr\u017eet finan\u010dn\u00ed prost\u0159edky po dobu minim\u00e1ln\u011b 6 let (tj. v\u00e1zac\u00ed doba). V&nbsp;p\u0159\u00edpad\u011b d\u0159\u00edv\u011bj\u0161\u00edho ukon\u010den\u00ed nebo v\u00fdb\u011bru p\u0159ijde o ve\u0161kerou st\u00e1tn\u00ed podporu. Stavebn\u00ed spo\u0159itelna si tak\u00e9 standardn\u011b \u00fa\u010dtuje poplatek 1 % z&nbsp;uzav\u0159en\u00e9 c\u00edlov\u00e9 \u010d\u00e1stky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Jak na sn\u00ed\u017een\u00ed st\u00e1tn\u00ed podpory zareagovaly stavebn\u00ed spo\u0159itelny?<\/strong><\/h2>\n\n\n\n<p>Stavebn\u00ed spo\u0159itelny l\u00e1kaj\u00ed nov\u00e9 klienty akcemi podporuj\u00edc\u00edmi zalo\u017een\u00ed nov\u00fdch smluv. Nap\u0159\u00edklad p\u0159i zalo\u017een\u00ed smlouvy a okam\u017eit\u00e9m vkladu 100&nbsp;000 K\u010d daj\u00ed klientovi 5 000 K\u010d a odpust\u00ed mu poplatek za uzav\u0159en\u00ed smlouvy.<\/p>\n\n\n\n<p>Smlouva o stavebn\u00edm spo\u0159en\u00ed tak\u00e9 zahrnuje garantovan\u00e9 <a href=\"https:\/\/www.fingo.cz\/blog\/investice-nebo-sporeni-jak-zhodnotit-penize\/\">zhodnocen\u00ed vklad\u016f<\/a>, kter\u00e9 se v&nbsp;tuto chv\u00edli nab\u00edz\u00ed kolem 3 % p.a. Efektivn\u00ed \u00farokov\u00e1 sazba se bude pohybovat na takov\u00fdchto smlouv\u00e1ch do 4 %, ale bez mo\u017enosti v\u00fdb\u011bru do 6 let.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Je stavebn\u00ed spo\u0159en\u00ed pro klienty zaj\u00edmav\u00e9 \u0159e\u0161en\u00ed?<\/strong><\/h2>\n\n\n\n<p>V&nbsp;dne\u0161n\u00ed dob\u011b jde opravdu o pouh\u00fd marketing. Alternativou m\u016f\u017ee b\u00fdt spo\u0159ic\u00ed \u00fa\u010det v bance. Tam klient za dobu 1 roku na 100&nbsp;000 K\u010d vkladu z\u00edsk\u00e1 zmi\u0148ovan\u00fdch 5&nbsp;000 K\u010d na \u00faroc\u00edch, a to bez nutnosti dr\u017een\u00ed pen\u011bz n\u011bkde na 6 let.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>M\u00e1 tedy stavebn\u00ed spo\u0159en\u00ed v\u016fbec co nab\u00eddnout?<\/strong><\/h2>\n\n\n\n<p>Kde m\u016f\u017ee b\u00fdt stavebn\u00ed spo\u0159en\u00ed \u2013 sp\u00ed\u0161e v&nbsp;budoucnu \u2013 zaj\u00edmav\u00e9, jsou \u00fav\u011bry. Ty se hod\u00ed zejm\u00e9na na realizaci energeticky \u00fasporn\u00fdch opat\u0159en\u00ed pro dom\u00e1cnosti, kter\u00e9 pot\u0159ebuj\u00ed <a href=\"https:\/\/www.fingo.cz\/blog\/solarni-elektrarna-cesta-ke-snizeni-nakladu\/\">sn\u00ed\u017eit n\u00e1klady na energie<\/a>.<\/p>\n\n\n\n<p>\u00darokov\u00e9 sazby u stavebn\u00edho spo\u0159en\u00ed pak budou ni\u017e\u0161\u00ed ne\u017e u klasick\u00fdch spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f. Nav\u00edc pro tyto \u00fav\u011bry nepot\u0159ebujete z\u00e1stavu a vy\u0159\u00edd\u00edte je velmi rychle.&nbsp;V&nbsp;budoucnu by m\u011blo p\u0159ib\u00fdvat dota\u010dn\u00edch program\u016f, kter\u00e9 by podpo\u0159ily takov\u00e9 inovace na nemovitostech, a financov\u00e1n\u00ed \u00fav\u011brem ze stavebn\u00edho spo\u0159en\u00ed m\u016f\u017ee b\u00fdt jednou z&nbsp;t\u011bch nejv\u00fdhodn\u011bj\u0161\u00edch variant.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/09\/Pocet-nove-uzavrenych-smluv-stavebniho-sporeni.png\" alt=\"\" class=\"wp-image-1773\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/09\/Pocet-nove-uzavrenych-smluv-stavebniho-sporeni.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/09\/Pocet-nove-uzavrenych-smluv-stavebniho-sporeni-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/09\/Pocet-nove-uzavrenych-smluv-stavebniho-sporeni-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Projevuj\u00ed se zm\u011bny v popt\u00e1vce stavebn\u00edho spo\u0159en\u00ed?<\/strong><\/h2>\n\n\n\n<p>Stavebn\u00ed spo\u0159en\u00ed je v \u010cesku i nad\u00e1le velmi obl\u00edben\u00fdm produktem pro svou jednoduchost, bezpe\u010dnost a letitou tradici. V\u00a0dob\u00e1ch vysok\u00e9 inflace, ve kter\u00e9 se nach\u00e1z\u00edme, se v\u0161ak ne\u0159ad\u00ed mezi typy aktiv, kter\u00e9 maj\u00ed \u0161anci na st\u0159edn\u011bdob\u00e9m a\u017e dlouhodob\u00e9m horizontu inflaci por\u00e1\u017eet. Je pot\u0159eba naj\u00edt takov\u00e9 aktivum, kter\u00e9 odpov\u00edd\u00e1 profilu klienta a jeho znalostem, a naj\u00edt to spr\u00e1vn\u00e9 \u0159e\u0161en\u00ed. Nap\u0159\u00edklad <a href=\"https:\/\/www.fingo.cz\/kontakty\">specialist\u00e9 u n\u00e1s ve FinGO<\/a> m\u016f\u017eou klient\u016fm nab\u00eddnout produkty od r\u016fzn\u00fdch poskytovatel\u016f.<\/p>\n\n\n\n<p><strong>Adame, moc d\u011bkujeme za rozhovor.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Region\u00e1ln\u00edho \u0159editele FinGO Adama Ka\u0161ky jsme se zeptali na zm\u011bny ve st\u00e1tn\u00ed podpo\u0159e stavebn\u00edho spo\u0159en\u00ed. Na to, co se aktu\u00e1ln\u011b d\u011bje na trhu a jak\u00e9 jsou alternativy ke stavebn\u00edmu spo\u0159en\u00ed. Kde Adam vid\u00ed budoucnost tohoto produktu a co doporu\u010duje sv\u00fdm klient\u016fm. Adame, konsolida\u010dn\u00ed bal\u00ed\u010dek sn\u00ed\u017eil tak\u00e9 st\u00e1tn\u00ed podporu stavebn\u00edho spo\u0159en\u00ed. Jak je aktu\u00e1ln\u011b nastaven\u00e1? S nov\u00fdm konsolida\u010dn\u00edm bal\u00ed\u010dkem do\u0161lo ke sn\u00ed\u017een\u00ed st\u00e1tn\u00ed podpory z&nbsp;2 000 K\u010d za 20&nbsp;000 ro\u010dn\u011b na pouh\u00fdch 1 000 K\u010d na vlo\u017een\u00fdch 20&nbsp;000 K\u010d. Nomin\u00e1ln\u00ed zhodnocen\u00ed \u010din\u00ed 5 %, ale pokud si vezmeme c\u00edlovou \u010d\u00e1stku 120&nbsp;000 K\u010d za 6 let, tak tam u\u017e to procento st\u00e1tn\u00ed podpory d\u011bl\u00e1 jen zhruba 0,8 %. Co by m\u011bl klient o stavebn\u00edm spo\u0159en\u00ed je\u0161t\u011b v\u011bd\u011bt? Jeho nev\u00fdhodou je, \u017ee v tomto produktu mus\u00edte dr\u017eet finan\u010dn\u00ed prost\u0159edky po dobu minim\u00e1ln\u011b 6 let (tj. v\u00e1zac\u00ed doba). V&nbsp;p\u0159\u00edpad\u011b d\u0159\u00edv\u011bj\u0161\u00edho ukon\u010den\u00ed nebo v\u00fdb\u011bru p\u0159ijde o ve\u0161kerou st\u00e1tn\u00ed podporu. Stavebn\u00ed spo\u0159itelna si tak\u00e9 standardn\u011b \u00fa\u010dtuje poplatek 1 % z&nbsp;uzav\u0159en\u00e9 c\u00edlov\u00e9 \u010d\u00e1stky. Jak na sn\u00ed\u017een\u00ed st\u00e1tn\u00ed podpory zareagovaly stavebn\u00ed spo\u0159itelny? Stavebn\u00ed spo\u0159itelny l\u00e1kaj\u00ed nov\u00e9 klienty akcemi podporuj\u00edc\u00edmi zalo\u017een\u00ed nov\u00fdch smluv. Nap\u0159\u00edklad p\u0159i zalo\u017een\u00ed smlouvy a okam\u017eit\u00e9m vkladu 100&nbsp;000 K\u010d daj\u00ed klientovi 5 000 K\u010d a odpust\u00ed mu poplatek za uzav\u0159en\u00ed smlouvy. Smlouva o stavebn\u00edm spo\u0159en\u00ed tak\u00e9 [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":1772,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[100,54],"class_list":["post-1770","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-osobni-finance","tag-adam-kaska","tag-stavebni-sporeni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Rozhovor FinGO: Stavebn\u00ed spo\u0159en\u00ed v roce 2023 - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Stavebn\u00ed spo\u0159en\u00ed proch\u00e1z\u00ed zm\u011bnami. 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