{"id":363,"date":"2022-01-11T10:45:13","date_gmt":"2022-01-11T10:45:13","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=363"},"modified":"2023-08-04T10:52:27","modified_gmt":"2023-08-04T09:52:27","slug":"inflace-zdrazovani-je-realitou-nejen-v-ceske-republice","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/inflace-zdrazovani-je-realitou-nejen-v-ceske-republice\/","title":{"rendered":"Inflace: zdra\u017eov\u00e1n\u00ed je realitou nejen v \u010cesk\u00e9 republice"},"content":{"rendered":"\n<p><em>Zaj\u00edmavost: Inflace je v \u010cesk\u00fdch zem\u00edch soustavn\u011b m\u011b\u0159ena od roku 1920, kdy Josef Ryba, prad\u011bde\u010dek autora tohoto \u010dl\u00e1nku, zkonstruoval prvn\u00ed indexy maloobchodn\u00edch a velkoobchodn\u00edch cen. Je za to ozna\u010dov\u00e1n za \u201ezakladatele \u010desk\u00e9 cenov\u00e9 statistiky\u201d.<\/em><\/p>\n\n\n\n<p>Inflace, neboli zdra\u017eov\u00e1n\u00ed slo\u017eek spot\u0159ebitelsk\u00e9ho ko\u0161e, stra\u0161\u00ed \u010desk\u00e9 dom\u00e1cnosti. \u010casto toti\u017e vede ke sn\u00ed\u017een\u00ed jejich koup\u011bschopnosti. Aktu\u00e1ln\u00ed progn\u00f3za \u010cNB predikuje inflaci rostouc\u00ed a\u017e k 7 %, co\u017e jsou hodnoty, kter\u00e9 \u010desk\u00e1 ekonomika pamatuje naposledy v letech 2007\u20132008. M\u016f\u017ee v\u0161ak b\u00fdt i h\u016f\u0159. Podle z\u00e1sady, \u017ee <strong>\u201ep\u0159\u00e1n\u00ed je otcem my\u0161lenky\u201d<\/strong>, se \u010cNB sv\u00fdmi progn\u00f3zami nepochybn\u011b sna\u017e\u00ed dr\u017eet infla\u010dn\u00ed chov\u00e1n\u00ed na uzd\u011b. Jak\u00fd je tedy d\u016fvod k obav\u00e1m?&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc is-style-rounded htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co v \u010dl\u00e1nku najdete<\/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=\"#3-faktory-ktere-tlaci-inflaci-nahoru\">3 faktory, kter\u00e9 tla\u010d\u00ed inflaci nahoru<\/a><\/li><li class=\"\"><a href=\"#jak-zla-je-inflace\">Jak \u201ezl\u00e1&#8220; je inflace?<\/a><\/li><li class=\"\"><a href=\"#dopady-inflace-ztlumi-investice\">Dopady inflace ztlum\u00ed investice<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3-faktory-ktere-tlaci-inflaci-nahoru\">3 faktory, kter\u00e9 tla\u010d\u00ed inflaci nahoru<\/h2>\n\n\n\n<p>V sou\u010dasn\u00e9 ekonomick\u00e9 situaci m\u016f\u017eeme pozorovat t\u0159i z\u00e1sadn\u00ed proinfla\u010dn\u00ed tlaky, jejich\u017e kombinace je jen velmi t\u011b\u017eko p\u0159edv\u00eddateln\u00e1. Jsou jimi:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Zdra\u017eov\u00e1n\u00ed energi\u00ed<\/strong>, kter\u00e9 v p\u0159\u00ed\u0161t\u00edm roce zas\u00e1hne rodinn\u00e9 i firemn\u00ed rozpo\u010dty n\u00e1r\u016fstem o des\u00edtky procent. Vezmeme-li v \u00favahu, \u017ee bydlen\u00ed (v\u010detn\u011b energi\u00ed), doprava a potraviny tvo\u0159\u00ed cca 55 % spot\u0159ebitelsk\u00e9ho ko\u0161e, podle kter\u00e9ho se inflace m\u011b\u0159\u00ed, pak je z\u0159ejm\u00e9, \u017ee takto razantn\u00ed zdra\u017een\u00ed (kter\u00e9 m\u00e1 vliv i na cenu bydlen\u00ed skrze cenu stavebn\u00edch materi\u00e1l\u016f, cenu v\u00fdroby potravin i cenu dopravy) se projev\u00ed <strong>skokov\u00fdm r\u016fstem inflace<\/strong>.<\/li>\n\n\n\n<li><strong>N\u00e1r\u016fst ve\u0159ejn\u00fdch v\u00fddaj\u016f<\/strong> v dob\u011b pandemie, kter\u00fd bohu\u017eel v drtiv\u00e9 v\u011bt\u0161in\u011b nen\u00ed spojen s investicemi do statk\u016f, je\u017e by v budoucnu produkovaly nov\u00e9 bohatstv\u00ed. Jedn\u00e1 se tak v\u011bt\u0161inou o prost\u0159edky <strong>\u201eprojeden\u00e9\u201d<\/strong> a jejich dopad do hospod\u00e1\u0159stv\u00ed m\u00e1 jednozna\u010dn\u011b infla\u010dn\u00ed efekt. Ekonomickou terminologi\u00ed, <strong>\u201eklam rozbit\u00e9ho okna\u201d<sup> <\/sup><\/strong>zp\u016fsob\u00ed, \u017ee prost\u0159edky, kter\u00e9 by jinak v rukou spot\u0159ebitel\u016f nebo i st\u00e1tu mohly b\u00fdt vyu\u017eity na produkci investi\u010dn\u00edch statk\u016f, jsou spot\u0159ebov\u00e1ny na neproduktivn\u00ed \u010dinnosti (kompenzace za zav\u0159en\u00e9 restaurace) a jsou projedeny. Vliv na hospod\u00e1\u0159stv\u00ed je kr\u00e1tkodob\u011b stabiliza\u010dn\u00ed, ale dlouhodob\u011b infla\u010dn\u00ed.&nbsp;<\/li>\n\n\n\n<li>Nahromad\u011bn\u00e9 prost\u0159edky dom\u00e1cnost\u00ed: <strong>sn\u00ed\u017een\u00e1 spot\u0159eba v obdob\u00ed lockdown\u016f<\/strong> se kumuluje a nen\u00ed-li vyu\u017eita pro <a href=\"https:\/\/www.fingo.cz\/investice\" target=\"_blank\" rel=\"noreferrer noopener\">investice<\/a>, p\u0159enese se do zv\u00fd\u0161en\u00e9 popt\u00e1vky v dob\u011b, kdy lockdown uvoln\u00edme. I jist\u00fd \u201ehlad po konzumu\u201d, kter\u00fd jsme v sob\u011b st\u0159\u00e1dali, najednou mus\u00ed ven a t\u00edm, \u017ee \u010d\u00e1st dom\u00e1cnost\u00ed nem\u011bla ani v dob\u011b pandemie v\u00fdpadky p\u0159\u00edjm\u016f (dal\u0161\u00ed \u010d\u00e1st je m\u011bla kompenzov\u00e1ny, viz bod 2), tato zv\u00fd\u0161en\u00e1 popt\u00e1vka m\u00e1 z logiky nab\u00eddky a popt\u00e1vky za n\u00e1sledek dal\u0161\u00ed r\u016fst cen.&nbsp;<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-zla-je-inflace\">Jak \u201ezl\u00e1&#8220; je inflace?<\/h2>\n\n\n\n<p>Inflace v\u0161ak nen\u00ed nutn\u011b jen zl\u00fd jev, m\u00edrn\u00e1 m\u00edra inflace je dokonce pro ekonomiku zdrav\u00e1. Bez n\u00ed by lid\u00e9 <strong>odkl\u00e1dali spot\u0159ebu<\/strong>, a p\u0159edev\u0161\u00edm by m\u011bli men\u0161\u00ed motivaci investovat. I proto n\u00e1rodn\u00ed banky dlouhodob\u011b nec\u00edl\u00ed na nulovou inflaci, ale na inflaci <strong>\u201ezdravou\u201d (kolem 2 %)<\/strong>.<\/p>\n\n\n\n<p>\u010cNB predikuje, \u017ee se na tuto \u00farove\u0148 \u010desk\u00e1 ekonomika vr\u00e1t\u00ed n\u011bkdy v druh\u00e9m kvart\u00e1le roku 2023 \u2013 jej\u00edm hlavn\u00edm n\u00e1strojem je zvy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb, ke kter\u00fdm s\u00e1hla v listopadu 2021 zv\u00fd\u0161en\u00edm o 125 bazick\u00fdch bod\u016f (p\u0159eneseno do \u201eceny pen\u011bz\u201d o 1,25 %). Na toto nav\u00fd\u0161en\u00ed reagovaly <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\/refinancovani\" target=\"_blank\" rel=\"noreferrer noopener\">\u00farokov\u00e9 sazby hypot\u00e9k<\/a> \u2013 co\u017e je nejviditeln\u011bj\u0161\u00ed efekt pozorovateln\u00fd spot\u0159ebitelem. <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\" target=\"_blank\" rel=\"noreferrer noopener\">Hypote\u010dn\u00ed sazby v nab\u00eddk\u00e1ch \u010desk\u00fdch bank<\/a> dos\u00e1hly \u00farovn\u011b kolem 4 %. Toto nav\u00fd\u0161en\u00ed \u00farokov\u00fdch sazeb v\u0161ak p\u016fsob\u00ed na inflaci v horizontu 12 a\u017e 18 m\u011bs\u00edc\u016f<sup>7)<\/sup>, co\u017e je d\u016fvod, pro\u010d predikce \u010cNB ukazuje n\u00e1vrat do norm\u00e1lu a\u017e v roce 2023.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dopady-inflace-ztlumi-investice\">Dopady inflace ztlum\u00ed investice<\/h2>\n\n\n\n<p>Proto\u017ee v\u00fd\u0161e popsan\u00e9 vlivy nejsou lok\u00e1ln\u00edho, ale sp\u00ed\u0161e <strong>glob\u00e1ln\u00edho charakteru, <\/strong>nen\u00ed stra\u0161\u00e1k inflace probl\u00e9mem pouze \u010desk\u00fdch dom\u00e1cnost\u00ed. V USA nyn\u00ed atakuje inflace maxima, kter\u00e1 tamn\u00ed ekonomika pamatuje naposledy p\u0159ed 40ti lety.<\/p>\n\n\n\n<p>Nezb\u00fdv\u00e1 tedy, ne\u017e s n\u00ed po\u010d\u00edtat a za\u0159\u00eddit se. Jak? Nap\u0159\u00edklad <a href=\"https:\/\/www.fingo.cz\/investice\" target=\"_blank\" rel=\"noreferrer noopener\">investic\u00ed do takov\u00fdch investi\u010dn\u00edch n\u00e1stroj\u016f<\/a>, kter\u00e9 p\u0159ed inflac\u00ed um\u00ed ochr\u00e1nit. Pora\u010fte se s odborn\u00edky, kte\u0159\u00ed v\u00e1m dok\u00e1\u017e\u00ed nab\u00eddnout <strong>vhodn\u00e9 portfolio investi\u010dn\u00edch produkt\u016f<\/strong>. Nebojte se <a href=\"https:\/\/www.fingo.cz\/investice\/realitni-fondy\" target=\"_blank\" rel=\"noreferrer noopener\">investovat do bydlen\u00ed<\/a>, ano \u2013 <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\" target=\"_blank\" rel=\"noreferrer noopener\">\u00farokov\u00e9 sazby hypot\u00e9k<\/a> jsou nyn\u00ed vysok\u00e9, ale nebude to trvat v\u011b\u010dn\u011b a vy budete m\u00edt mo\u017enost v horizontu 2\u20133 let svoji hypot\u00e9ku refinancovat, jakmile se situace vr\u00e1t\u00ed zp\u011bt do norm\u00e1lu. To, co zaplat\u00edte na \u00faroc\u00edch za vlastn\u00ed bydlen\u00ed, bude st\u00e1le m\u00e9n\u011b, ne\u017e kolik zaplat\u00edte za n\u00e1jem, a cena va\u0161\u00ed nemovitosti si hodnotu minim\u00e1ln\u011b udr\u017e\u00ed, ne-li zv\u00fd\u0161\u00ed.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zaj\u00edmavost: Inflace je v \u010cesk\u00fdch zem\u00edch soustavn\u011b m\u011b\u0159ena od roku 1920, kdy Josef Ryba, prad\u011bde\u010dek autora tohoto \u010dl\u00e1nku, zkonstruoval prvn\u00ed indexy maloobchodn\u00edch a velkoobchodn\u00edch cen. Je za to ozna\u010dov\u00e1n za \u201ezakladatele \u010desk\u00e9 cenov\u00e9 statistiky\u201d. Inflace, neboli zdra\u017eov\u00e1n\u00ed slo\u017eek spot\u0159ebitelsk\u00e9ho ko\u0161e, stra\u0161\u00ed \u010desk\u00e9 dom\u00e1cnosti. \u010casto toti\u017e vede ke sn\u00ed\u017een\u00ed jejich koup\u011bschopnosti. Aktu\u00e1ln\u00ed progn\u00f3za \u010cNB predikuje inflaci rostouc\u00ed a\u017e k 7 %, co\u017e jsou hodnoty, kter\u00e9 \u010desk\u00e1 ekonomika pamatuje naposledy v letech 2007\u20132008. M\u016f\u017ee v\u0161ak b\u00fdt i h\u016f\u0159. Podle z\u00e1sady, \u017ee \u201ep\u0159\u00e1n\u00ed je otcem my\u0161lenky\u201d, se \u010cNB sv\u00fdmi progn\u00f3zami nepochybn\u011b sna\u017e\u00ed dr\u017eet infla\u010dn\u00ed chov\u00e1n\u00ed na uzd\u011b. Jak\u00fd je tedy d\u016fvod k obav\u00e1m?&nbsp; 3 faktory, kter\u00e9 tla\u010d\u00ed inflaci nahoru V sou\u010dasn\u00e9 ekonomick\u00e9 situaci m\u016f\u017eeme pozorovat t\u0159i z\u00e1sadn\u00ed proinfla\u010dn\u00ed tlaky, jejich\u017e kombinace je jen velmi t\u011b\u017eko p\u0159edv\u00eddateln\u00e1. Jsou jimi: Jak \u201ezl\u00e1&#8220; je inflace? Inflace v\u0161ak nen\u00ed nutn\u011b jen zl\u00fd jev, m\u00edrn\u00e1 m\u00edra inflace je dokonce pro ekonomiku zdrav\u00e1. Bez n\u00ed by lid\u00e9 odkl\u00e1dali spot\u0159ebu, a p\u0159edev\u0161\u00edm by m\u011bli men\u0161\u00ed motivaci investovat. I proto n\u00e1rodn\u00ed banky dlouhodob\u011b nec\u00edl\u00ed na nulovou inflaci, ale na inflaci \u201ezdravou\u201d (kolem 2 %). \u010cNB predikuje, \u017ee se na tuto \u00farove\u0148 \u010desk\u00e1 ekonomika vr\u00e1t\u00ed n\u011bkdy v druh\u00e9m kvart\u00e1le roku 2023 \u2013 jej\u00edm hlavn\u00edm n\u00e1strojem je zvy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb, ke kter\u00fdm s\u00e1hla [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":364,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,3],"tags":[],"class_list":["post-363","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fingo-informuje","category-investice"],"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>Inflace: zdra\u017eov\u00e1n\u00ed je realitou nejen v \u010cesk\u00e9 republice - Blog FinGO.cz<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.cz\/blog\/inflace-zdrazovani-je-realitou-nejen-v-ceske-republice\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Inflace: zdra\u017eov\u00e1n\u00ed je realitou nejen v \u010cesk\u00e9 republice\" \/>\n<meta property=\"og:description\" content=\"Zaj\u00edmavost: Inflace je v \u010cesk\u00fdch zem\u00edch soustavn\u011b m\u011b\u0159ena od roku 1920, kdy Josef Ryba, prad\u011bde\u010dek autora tohoto \u010dl\u00e1nku, zkonstruoval prvn\u00ed indexy maloobchodn\u00edch a velkoobchodn\u00edch cen. Je za to ozna\u010dov\u00e1n za \u201ezakladatele \u010desk\u00e9 cenov\u00e9 statistiky\u201d. Inflace, neboli zdra\u017eov\u00e1n\u00ed slo\u017eek spot\u0159ebitelsk\u00e9ho ko\u0161e, stra\u0161\u00ed \u010desk\u00e9 dom\u00e1cnosti. \u010casto toti\u017e vede ke sn\u00ed\u017een\u00ed jejich koup\u011bschopnosti. Aktu\u00e1ln\u00ed progn\u00f3za \u010cNB predikuje inflaci rostouc\u00ed a\u017e k 7 %, co\u017e jsou hodnoty, kter\u00e9 \u010desk\u00e1 ekonomika pamatuje naposledy v letech 2007\u20132008. M\u016f\u017ee v\u0161ak b\u00fdt i h\u016f\u0159. Podle z\u00e1sady, \u017ee \u201ep\u0159\u00e1n\u00ed je otcem my\u0161lenky\u201d, se \u010cNB sv\u00fdmi progn\u00f3zami nepochybn\u011b sna\u017e\u00ed dr\u017eet infla\u010dn\u00ed chov\u00e1n\u00ed na uzd\u011b. Jak\u00fd je tedy d\u016fvod k obav\u00e1m?&nbsp; 3 faktory, kter\u00e9 tla\u010d\u00ed inflaci nahoru V sou\u010dasn\u00e9 ekonomick\u00e9 situaci m\u016f\u017eeme pozorovat t\u0159i z\u00e1sadn\u00ed proinfla\u010dn\u00ed tlaky, jejich\u017e kombinace je jen velmi t\u011b\u017eko p\u0159edv\u00eddateln\u00e1. Jsou jimi: Jak \u201ezl\u00e1&#8220; je inflace? Inflace v\u0161ak nen\u00ed nutn\u011b jen zl\u00fd jev, m\u00edrn\u00e1 m\u00edra inflace je dokonce pro ekonomiku zdrav\u00e1. Bez n\u00ed by lid\u00e9 odkl\u00e1dali spot\u0159ebu, a p\u0159edev\u0161\u00edm by m\u011bli men\u0161\u00ed motivaci investovat. 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