{"id":1746,"date":"2026-04-19T22:40:52","date_gmt":"2026-04-19T20:40:52","guid":{"rendered":"https:\/\/kuraksa.cz\/blog\/?p=1746"},"modified":"2026-04-19T22:41:44","modified_gmt":"2026-04-19T20:41:44","slug":"zivot-v-cesku-v-roce-2024-2025","status":"publish","type":"post","link":"https:\/\/kuraksa.cz\/blog\/zivot-v-cesku-v-roce-2024-2025\/","title":{"rendered":"\u017divot v \u010cesku v roce 2024 &#8211; 2025"},"content":{"rendered":"\n<h6 class=\"wp-block-heading\"><em>aneb \u010d\u00edsla, kter\u00e1 vypadaj\u00ed hezky, dokud je neza\u010dne\u0161 \u017e\u00edt<\/em><\/h6>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/02\/ChatGPT-Image-Feb-2-2026-09_07_21-PM-1024x683.png\" alt=\"\" class=\"wp-image-1736\" srcset=\"https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/02\/ChatGPT-Image-Feb-2-2026-09_07_21-PM-1024x683.png 1024w, https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/02\/ChatGPT-Image-Feb-2-2026-09_07_21-PM-300x200.png 300w, https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/02\/ChatGPT-Image-Feb-2-2026-09_07_21-PM-768x512.png 768w, https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/02\/ChatGPT-Image-Feb-2-2026-09_07_21-PM.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Kdy\u017e se dneska \u010dlov\u011bk pod\u00edv\u00e1 na titulky zpr\u00e1v, mohl by si \u0159\u00edct, \u017ee je vlastn\u011b v\u0161echno v pohod\u011b. Mzdy rostou, inflace kles\u00e1, ekonomika se \u201estabilizuje\u201c. Zn\u00ed to skoro optimisticky. Skoro.<\/p>\n\n\n\n<p>Jen\u017ee pak p\u0159ijde v\u00fdplata, slo\u017eenky, n\u00e1jem, spl\u00e1tka hypot\u00e9ky, n\u00e1kup v supermarketu\u2026 a ten pocit pohody se tak n\u011bjak vytrat\u00ed. A tak jsem si \u0159ekl, \u017ee se na to zkus\u00edme pod\u00edvat trochu bl\u00ed\u017e a hlavn\u011b lidsky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mzdy: pap\u00edrov\u011b par\u00e1da, v realit\u011b u\u017e m\u00e9n\u011b<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"564\" src=\"https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/02\/image-1024x564.png\" alt=\"\" class=\"wp-image-1737\" srcset=\"https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/02\/image-1024x564.png 1024w, https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/02\/image-300x165.png 300w, https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/02\/image-768x423.png 768w, https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/02\/image.png 1350w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Pr\u016fm\u011brn\u00e1 mzda v roce 2025 vyrostla na <strong>48 295 K\u010d hrub\u00e9ho<\/strong>. Medi\u00e1n mezd je <strong>42 901 K\u010d<\/strong>, co\u017e znamen\u00e1, \u017ee polovina lid\u00ed bere m\u00e9n\u011b. V \u010dist\u00e9m je to zhruba <strong>33 500 K\u010d<\/strong>.<\/p>\n\n\n\n<p>Na prvn\u00ed pohled hezk\u00e1 \u010d\u00edsla. Dokonce se \u0159\u00edk\u00e1, \u017ee re\u00e1ln\u011b mzdy vzrostly asi o <strong>4,5 %<\/strong>. Jen\u017ee pr\u016fm\u011br je zr\u00e1dn\u00e1 v\u011bc. Kdy\u017e jeden \u010dlov\u011bk j\u00ed maso a druh\u00fd zel\u00ed, statisticky oba jed\u00ed sekanou&#8230; A tento \u00fadaj je pro n\u00e1s jednodu\u0161e zkreslen\u00fd.<\/p>\n\n\n\n<p>Realita je takov\u00e1, \u017ee <strong>80 % zam\u011bstnanc\u016f bere mezi 22 559 a 82 064 K\u010d<\/strong>. Rozptyl obrovsk\u00fd. A rozd\u00edly mezi mu\u017ei a \u017eenami? Ty tu m\u00e1me po\u0159\u00e1d.  Mu\u017ei v pr\u016fm\u011bru kolem <strong>45 500 K\u010d<\/strong>, \u017eeny zhruba <strong>40 000 K\u010d<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Inflace: kone\u010dn\u011b brzda, ale \u0161kody z\u016fstaly<\/h2>\n\n\n\n<p><em>(data 2024)<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/02\/image-1-1024x552.png\" alt=\"\" class=\"wp-image-1738\"\/><\/figure>\n\n\n\n<p>Inflace v roce 2024 kone\u010dn\u011b zpomalila n\u011bkam ke <strong>2-3 %<\/strong>. Po letech, kdy ceny rostly rychleji ne\u017e nervy b\u011b\u017en\u00e9ho \u010dlov\u011bka, se to d\u00e1 br\u00e1t jako \u00faleva.<\/p>\n\n\n\n<p>Jen\u017ee inflace funguje trochu jako boura\u010dka. Nejde o to, \u017ee u\u017e nebour\u00e1\u0161 \u2013 ale o to, \u017ee auto u\u017e je oml\u00e1cen\u00e9. Kupn\u00ed s\u00edla lid\u00ed se teprve <strong>vrac\u00ed na \u00farove\u0148 kolem roku 2019-2020<\/strong>. Tak\u017ee ano, je to lep\u0161\u00ed. Ale zp\u00e1tky tam je\u0161t\u011b nejsme.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00daspory: \u010ce\u0161i spo\u0159\u00ed\u2026 jen ne v\u0161ichni<\/h2>\n\n\n\n<p><em>(v\u011bt\u0161ina dat 2024)<\/em><\/p>\n\n\n\n<p>Na pap\u00ed\u0159e vypadaj\u00ed \u010ce\u0161i jako spo\u0159iv\u00fd n\u00e1rod. V roce 2024 byla <strong>m\u00edra \u00faspor dom\u00e1cnost\u00ed kolem 18,8 % p\u0159\u00edjm\u016f<\/strong>. To zn\u00ed skoro skv\u011ble.<\/p>\n\n\n\n<p>Jen\u017ee realita je jin\u00e1:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>30 % lid\u00ed u\u0161et\u0159\u00ed maxim\u00e1ln\u011b 2 000 K\u010d m\u011bs\u00ed\u010dn\u011b<\/strong><\/li>\n\n\n\n<li>z toho v\u00edce ne\u017e <strong>polovina lid\u00ed u\u0161et\u0159\u00ed do 5 000 K\u010d<\/strong><\/li>\n\n\n\n<li><strong>35 % dom\u00e1cnost\u00ed nem\u00e1 \u017e\u00e1dnou finan\u010dn\u00ed rezervu<\/strong><\/li>\n\n\n\n<li>A t\u00e9m\u011b\u0159 <strong>polovina populace by nezvl\u00e1dla t\u0159i m\u011bs\u00edce bez p\u0159\u00edjmu<\/strong><\/li>\n<\/ul>\n\n\n\n<p>A kde lid\u00e9 vlastn\u011b ty sv\u00e9 \u00faspory dr\u017e\u00ed? Jen mal\u00e1 \u010d\u00e1st m\u00e1 pen\u00edze, kter\u00e9 rostou rychleji ne\u017e inflace. V\u011bt\u0161ina se spol\u00e9h\u00e1 na <strong>b\u011b\u017en\u00e9 a spo\u0159ic\u00ed \u00fa\u010dty<\/strong> nebo <strong>term\u00ednovan\u00e9 vklady<\/strong>, zat\u00edmco do <strong>ETF, akci\u00ed \u010di fond\u016f<\/strong> investuje jen men\u0161ina dom\u00e1cnost\u00ed. Tak\u017ee i kdy\u017e lid\u00e9 spo\u0159\u00ed, jejich pen\u00edze n\u011bkdy ztr\u00e1c\u00ed hodnotu rychleji, ne\u017e rostou.<\/p>\n\n\n\n<p>Tak\u017ee ano, jako celek spo\u0159\u00edme. Ale dost \u010dasto spo\u0159\u00ed jedni za druh\u00e9. A ti druz\u00ed jedou od v\u00fdplaty k v\u00fdplat\u011b a doufaj\u00ed, \u017ee se nic nepokaz\u00ed. Co\u017e za m\u011b, je hodn\u011b odv\u00e1\u017en\u00e1 strategie. A kdo investuje chyt\u0159e, dok\u00e1\u017ee sv\u00e9 \u00faspory ochr\u00e1nit a skute\u010dn\u011b je rozmno\u017eovat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bydlen\u00ed: tich\u00fd \u017erout rozpo\u010dt\u016f<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"277\" src=\"https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/02\/image-2.png\" alt=\"\" class=\"wp-image-1739\" srcset=\"https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/02\/image-2.png 800w, https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/02\/image-2-300x104.png 300w, https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/02\/image-2-768x266.png 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<p>Bydlen\u00ed je dneska kapitola sama pro sebe. Pr\u016fm\u011brn\u00e1 dom\u00e1cnost d\u00e1v\u00e1 na bydlen\u00ed <strong>25-30 % \u010dist\u00e9ho p\u0159\u00edjmu<\/strong>. Ve v\u011bt\u0161\u00edch m\u011bstech, u n\u00e1jemn\u00edho bydlen\u00ed, to klidn\u011b leze p\u0159es <strong>40 %<\/strong>.<\/p>\n\n\n\n<p>N\u00e1jmy v roce 2024 d\u00e1l rostly, energie sice zlevnily, ale po\u0159\u00e1d jsou v\u00fdrazn\u011b dra\u017e\u0161\u00ed ne\u017e p\u0159ed p\u00e1r lety. <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"385\" src=\"https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/02\/image-3.png\" alt=\"\" class=\"wp-image-1740\" srcset=\"https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/02\/image-3.png 800w, https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/02\/image-3-300x144.png 300w, https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/02\/image-3-768x370.png 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<p>Platit n\u00e1jem ale znamen\u00e1, \u017ee ka\u017ed\u00e1 koruna jde n\u011bkomu jin\u00e9mu&#8230; A ned\u00e1valo by  proto smysl p\u0159em\u00fd\u0161let o hypot\u00e9ce? Ne kv\u016fli tomu, \u017ee byste nutn\u011b cht\u011bli vlastnit bar\u00e1k, ale proto, \u017ee za stejn\u00e9 pen\u00edze m\u016f\u017eete tvo\u0159it <strong>majetek pro sebe<\/strong>. Jasn\u011b, spl\u00e1tka hypot\u00e9ky m\u016f\u017ee b\u00fdt v n\u011bkter\u00fdch p\u0159\u00edpadech podobn\u00e1 n\u00e1jmu, ale rozd\u00edl je v tom, \u017ee pen\u00edze u hypot\u00e9ky <strong>nezmiz\u00ed, ale postupn\u011b pracuj\u00ed pro v\u00e1s<\/strong>. Nemluv\u011b o tom, \u017ee hypot\u00e9ku jednou dosplat\u00edm.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Dluhy: hypot\u00e9ka jako nov\u00fd standard<\/h2>\n\n\n\n<p><em>(data 2024)<\/em><\/p>\n\n\n\n<p>Celkov\u00e1 zadlu\u017eenost obyvatel \u010cR se v roce 2024 pohybovala kolem <strong>3,6 bilionu korun<\/strong>. Z toho zhruba <strong>75 % tvo\u0159\u00ed hypot\u00e9ky<\/strong>. Jin\u00fdmi slovy &#8211; v\u011bt\u0161ina dluh\u016f nen\u00ed o rozhazov\u00e1n\u00ed, ale o snaze m\u00edt kde bydlet.<\/p>\n\n\n\n<p>Zaj\u00edmav\u00e9 (a smutn\u00e9) je, \u017ee <strong>zhruba 1 z 5 \u010cech\u016f se n\u011bkdy setkal s exekuc\u00ed<\/strong>. Ne nutn\u011b proto, \u017ee by byl nezodpov\u011bdn\u00fd. \u010casto sta\u010d\u00ed rozvod, nemoc, ztr\u00e1ta pr\u00e1ce, a domino se rozjede samo.<\/p>\n\n\n\n<p>A i na takov\u00e9 nep\u0159\u00edjemn\u00e9 situace existuje prevence. Nap\u0159\u00edklad <strong>\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong>, kter\u00e9 p\u0159i pr\u016fm\u011brn\u00e9 cen\u011b obvykle zabere jen <strong>n\u011bkolik procent mzdy<\/strong> (5-10%) a dok\u00e1\u017ee pomoci ochr\u00e1nit rodinu, ani\u017e byste museli s\u00e1hnout na \u00faspory nebo majetek.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Majetek: bohat\u00ed na pap\u00ed\u0159e, chud\u00ed v hotovosti<\/h2>\n\n\n\n<p><em>(data 2024)<\/em><\/p>\n\n\n\n<p>Medi\u00e1n majetku \u010desk\u00e9 dom\u00e1cnosti je kolem <strong>3,4 milionu K\u010d<\/strong>. Zn\u00ed to kr\u00e1sn\u011b. Jen\u017ee:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>88 % toho majetku tvo\u0159\u00ed nemovitost<\/strong><\/li>\n\n\n\n<li>Pen\u00edze \u201epo ruce\u201c jsou \u010dasto minim\u00e1ln\u00ed<\/li>\n<\/ul>\n\n\n\n<p>Tak\u017ee m\u00e1me domy, byty, ale kdy\u017e odejde pra\u010dka nebo p\u0159ijde v\u00fdpadek p\u0159\u00edjmu, nast\u00e1v\u00e1 panika. Majetek je toti\u017e nelikvidn\u00ed. Bar\u00e1kem si n\u00e1kup nezaplat\u00ed\u0161.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tak jak se tedy m\u00e1me?<\/h2>\n\n\n\n<p>Roky 2024-2025 nejsou kriz\u00ed mezd.<br>Jsou <strong>kriz\u00ed finan\u010dn\u00ed p\u0159ipravenosti<\/strong>.<\/p>\n\n\n\n<p>\u010c\u00edsla vypadaj\u00ed hezky. Grafy rostou. Ale realita spousty lid\u00ed je o tom, \u017ee:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u017eij\u00ed bez rezervy<\/li>\n\n\n\n<li>maj\u00ed v\u0161e \u201etak akor\u00e1t\u201c<\/li>\n\n\n\n<li>a doufaj\u00ed, \u017ee se nic neposere<\/li>\n<\/ul>\n\n\n\n<p>A to nen\u00ed strategie. To je s\u00e1zka.<\/p>\n\n\n\n<p>Kdy\u017e se na to \u010dlov\u011bk pod\u00edv\u00e1 zbl\u00edzka, za\u010dne d\u00e1vat smysl p\u0159em\u00fd\u0161let jinak. Ne o tom, kolik vyd\u011bl\u00e1m \u201ena pap\u00ed\u0159e\u201c, ale co se stane, kdy\u017e se n\u011bco pokaz\u00ed. Vlastn\u00ed bydlen\u00ed m\u00edsto v\u011b\u010dn\u00e9ho n\u00e1jmu. Pen\u00edze, kter\u00e9 nele\u017e\u00ed jen na \u00fa\u010dtu, ale maj\u00ed \u0161anci porazit inflaci. A pojistn\u00e1 s\u00ed\u0165 pro chv\u00edle, kdy \u017eivot hod\u00ed klacek pod nohy.<\/p>\n\n\n\n<p>Proto\u017ee statistiky ukazuj\u00ed jedno: v\u011bt\u0161ina lid\u00ed nepad\u00e1 kv\u016fli \u0161patn\u00fdm rozhodnut\u00edm.<br>Ale proto, \u017ee nemaj\u00ed \u017e\u00e1dnou rezervu a jde kr\u00e1sn\u011b vid\u011bt, \u017ee jeden probl\u00e9m dneska dok\u00e1\u017ee zni\u010dit m\u011bs\u00edce snahy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Souhrnn\u00e1 data &#8211; \u010cR vs. Evropa<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Kategorie<\/th><th>\u010cesk\u00e1 republika<\/th><th>Evropa (EU pr\u016fm\u011br)<\/th><\/tr><\/thead><tbody><tr><td><strong>Pr\u016fm\u011brn\u00e1 mzda (hrub\u00e1)<\/strong><\/td><td>~48 295 K\u010d (2025)<\/td><td>Evropa: v\u00fdrazn\u00e9 rozd\u00edly (Vy\u0161\u0161\u00ed v DE\/NL\/FR, ni\u017e\u0161\u00ed v V4)<\/td><\/tr><tr><td><strong>Medi\u00e1n mezd<\/strong><\/td><td>42 901 K\u010d (2025)<\/td><td>Pr\u016fm\u011br EU medi\u00e1nu v\u00fdrazn\u011b vy\u0161\u0161\u00ed (Nordick\u00e9 \/ Benelux st\u00e1ty)<\/td><\/tr><tr><td><strong>Mzdy v \u010dist\u00e9m (odhad)<\/strong><\/td><td>~33 500 K\u010d<\/td><td>Obrovsk\u00e9 rozd\u00edly dle dan\u00ed\/soci\u00e1ln\u00edch odvod\u016f<\/td><\/tr><tr><td><strong>Re\u00e1ln\u00fd r\u016fst mezd<\/strong><\/td><td>+~4,5 % (2025)<\/td><td>EU: +2-5 % v pr\u016fm\u011bru, heterogenn\u00ed v\u00fdvoj<\/td><\/tr><tr><td><strong>\u00daspory dom\u00e1cnost\u00ed (% disponibiln\u00edho p\u0159\u00edjmu)<\/strong><\/td><td>18,8 % (2024)<\/td><td>EU: ~12-14 % (v\u00fdrazn\u00e9 rozd\u00edly st\u00e1t od st\u00e1tu)<\/td><\/tr><tr><td><strong>Rezerva &#8211; 0 m\u011bs\u00edc\u016f \u00faspor<\/strong><\/td><td>~35 % dom\u00e1cnost\u00ed<\/td><td>EU: podobn\u00e9 trendy (v n\u011bkter\u00fdch zem\u00edch je\u0161t\u011b hor\u0161\u00ed)<\/td><\/tr><tr><td><strong>Rezerva &lt; 3 m\u011bs\u00edce<\/strong><\/td><td>~50 % dom\u00e1cnost\u00ed<\/td><td>EU: b\u011b\u017en\u00e1 situace u velk\u00e9 \u010d\u00e1sti populace<\/td><\/tr><tr><td><strong>Celkov\u00e9 zadlu\u017een\u00ed dom\u00e1cnost\u00ed<\/strong><\/td><td>~3,6 bil. K\u010d (2024)<\/td><td>EU: variabiln\u00ed; vy\u0161\u0161\u00ed v NL\/SE\/DK, ni\u017e\u0161\u00ed v V\u00fdchodn\u00ed Evrop\u011b<\/td><\/tr><tr><td><strong>Pod\u00edl dluhu z hypote\u010dn\u00edch \u00fav\u011br\u016f<\/strong><\/td><td>~75 % (2024)<\/td><td>EU: hypot\u00e9ky ~50-60 % dluhu dom\u00e1cnost\u00ed<\/td><\/tr><tr><td><strong>Exekuce \/ probl\u00e9mov\u00e9 dluhy<\/strong><\/td><td>~20 % populace (2024)<\/td><td>EU: srovnateln\u011b vysok\u00e9 ve st\u0159edn\u00ed Evrop\u011b<\/td><\/tr><tr><td><strong>Medi\u00e1n bohatstv\u00ed dom\u00e1cnosti<\/strong><\/td><td>~3,4 mil. K\u010d (2024)<\/td><td>EU: pr\u016fm\u011br v\u00fdrazn\u011b vy\u0161\u0161\u00ed (zejm. z\u00e1padn\u00ed Evropa)<\/td><\/tr><tr><td><strong>Pod\u00edl majetku jako nemovitosti<\/strong><\/td><td>~88 %<\/td><td>EU: obecn\u011b vysok\u00fd, ale v\u00edce finan\u010dn\u00edch aktiv v z\u00e1padn\u00ed Evrop\u011b<\/td><\/tr><tr><td><strong>N\u00e1klady na bydlen\u00ed (sd\u00edlen\u00ed p\u0159\u00edjmu)<\/strong><\/td><td>25\u201330 % \u010dist\u00e9ho (n\u00e1jem + energie)<\/td><td>EU: podobn\u00e9 \u010di vy\u0161\u0161\u00ed ve velk\u00fdch m\u011bstech<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Kr\u00e1tk\u00e9 vysv\u011btlen\u00ed k dat\u016fm<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Mzdy<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u010cR m\u00e1 <strong>st\u0159edn\u00ed mzdu ni\u017e\u0161\u00ed ne\u017e v\u011bt\u0161ina z\u00e1padn\u00ed Evropy<\/strong>, ale relativn\u011b k cen\u00e1m b\u00fdv\u00e1 konkurenceschopn\u00e1.<\/li>\n\n\n\n<li>Pr\u016fm\u011br rostl solidn\u011b, ale p\u0159esto z\u016fst\u00e1vaj\u00ed velk\u00e9 rozd\u00edly v p\u0159\u00edjmech (medi\u00e1n je d\u016fle\u017eit\u011bj\u0161\u00ed ne\u017e pr\u016fm\u011br).<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\u00daspory a finan\u010dn\u00ed rezerva<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u010ce\u0161i spo\u0159\u00ed relativn\u011b <strong>v\u00edc procent ze sv\u00fdch p\u0159\u00edjm\u016f ne\u017e pr\u016fm\u011br EU<\/strong>, ale <strong>velk\u00e1 \u010d\u00e1st dom\u00e1cnost\u00ed nem\u00e1 \u017e\u00e1dnou rezervu<\/strong>.<\/li>\n\n\n\n<li>Rozd\u00edl mezi makro statistikou (m\u00edra \u00faspor) a re\u00e1lnou rezervou dom\u00e1cnost\u00ed je zna\u010dn\u00fd.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Dluhy a \u00fav\u011bry<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>V \u010cR je <strong>v\u011bt\u0161ina dluhu v hypot\u00e9k\u00e1ch<\/strong> (v\u00edc ne\u017e evropsk\u00fd pr\u016fm\u011br).<\/li>\n\n\n\n<li>Celkov\u00e9 zadlu\u017een\u00ed je sp\u00ed\u0161e st\u0159edn\u00ed ve srovn\u00e1n\u00ed s Evropou, ale <strong>struktur\u00e1ln\u011b je to t\u011bsn\u011b spojen\u00e9 s bydlen\u00edm<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Majetek<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u010cR m\u00e1 <strong>vysok\u00fd pod\u00edl nemovitost\u00ed v majetku dom\u00e1cnost\u00ed<\/strong> (88 %), zat\u00edmco v z\u00e1padn\u00ed Evrop\u011b je b\u011b\u017en\u00e9 v\u00edce <strong>finan\u010dn\u00edch aktiv (akcie\/fondy)<\/strong>.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Co z toho plyne \/ jak to \u010d\u00edst<\/h3>\n\n\n\n<p><strong>\u010ce\u0161i relativn\u011b spo\u0159\u00ed<\/strong>, ale jen na pap\u00ed\u0159e \u2013 kdy\u017e p\u0159ijde probl\u00e9m, v\u011bt\u0161ina nem\u00e1 rezervu.<br><strong>Mzdy rostou<\/strong>, ale kupn\u00ed s\u00edla se st\u00e1le nevr\u00e1tila zcela na \u00farove\u0148 p\u0159ed lety.<br><strong>Zadlu\u017een\u00ed je pod kontrolou<\/strong>, ale velmi koncentrovan\u00e9 v hypot\u00e9k\u00e1ch.<br><strong>Evropa jako celek m\u00e1 vy\u0161\u0161\u00ed p\u0159\u00edjmy a bohatstv\u00ed<\/strong>, ale z\u00e1rove\u0148 i vy\u0161\u0161\u00ed n\u00e1klady a rozd\u00edly mezi st\u00e1ty jsou velk\u00e9.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jak se \u017eije v \u010cesku dnes? Pr\u016fm\u011brn\u00e9 mzdy rostou, \u00faspory vypadaj\u00ed slibn\u011b, dluhy jsou na uzd\u011b \u2013 ale realita dom\u00e1cnost\u00ed je n\u011bkdy \u00fapln\u011b jin\u00e1. Polovina lid\u00ed by nep\u0159e\u017eila t\u0159i m\u011bs\u00edce bez p\u0159\u00edjmu, t\u0159etina nem\u00e1 \u017e\u00e1dnou rezervu a v\u011bt\u0161ina bohatstv\u00ed je zamrzl\u00e1 v nemovitostech. V \u010dl\u00e1nku se pod\u00edv\u00e1me na \u010d\u00edsla, kter\u00e1 vypadaj\u00ed dob\u0159e na pap\u00ed\u0159e, ale co znamenaj\u00ed pro n\u00e1s v ka\u017edodenn\u00edm \u017eivot\u011b.<\/p>\n","protected":false},"author":1,"featured_media":1736,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-1746","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"_links":{"self":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts\/1746","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/comments?post=1746"}],"version-history":[{"count":1,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts\/1746\/revisions"}],"predecessor-version":[{"id":1748,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts\/1746\/revisions\/1748"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/media\/1736"}],"wp:attachment":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/media?parent=1746"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/categories?post=1746"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/tags?post=1746"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}