[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zustan.cz\/mame-dvoji-penize\/#Article","mainEntityOfPage":"https:\/\/www.zustan.cz\/mame-dvoji-penize\/","headline":"M\u00e1me dvoj\u00ed pen\u00edze?","name":"M\u00e1me dvoj\u00ed pen\u00edze?","description":"Banky se pr\u00fd v\u00a0posledn\u00ed dob\u011b op\u011bt sna\u017e\u00ed v\u016f\u010di sv\u00fdm klient\u016fm trochu \u201epolep\u0161it\u201c. A tak pozvolna zvy\u0161uj\u00ed \u00faroky, je\u017e poskytuj\u00ed st\u0159adatel\u016fm za u nich ulo\u017een\u00e9 pen\u00edze. \u00daroky sice rostou, ale jen u spo\u0159ic\u00edch \u00fa\u010dt\u016f a pomalu. Tak pomalu, \u017ee se tam... 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A tak pozvolna zvy\u0161uj\u00ed \u00faroky, je\u017e poskytuj\u00ed st\u0159adatel\u016fm za u nich ulo\u017een\u00e9 pen\u00edze.\u00daroky sice rostou, ale jen u spo\u0159ic\u00edch \u00fa\u010dt\u016f a pomalu. Tak pomalu, \u017ee se tam ulo\u017een\u00e9 \u00faspory i nad\u00e1le znehodnocuj\u00ed, proto\u017ee jejich \u00faro\u010den\u00ed nedosahuje ani \u00farovn\u011b inflace. A n\u011bkter\u00e9 banky slibuj\u00ed jejich r\u016fst i nad\u00e1le. R\u016fst, na kter\u00e9m ale rozhodn\u011b nikdo z\u00a0n\u00e1s nezbohatne.Moment\u00e1ln\u011b u n\u00e1s m\u00e1me asi dvouprocentn\u00ed inflaci a za nejv\u00fdhodn\u011bj\u0161\u00ed \u00farok na spo\u0159ic\u00edm \u00fa\u010dtu se pova\u017euje ten jedenap\u016flprocentn\u00ed od Hello bank. Kter\u00fd se ale t\u00fdk\u00e1 pouze z\u016fstatku do 300000 korun.Raiffeisenbank pak nab\u00edz\u00ed pouze nov\u00fdm klient\u016fm t\u0159\u00edprocentn\u00ed \u00farok na p\u016fl roku a jen z\u00a0\u010d\u00e1stky do 150000 korun.ING Bank si po\u010d\u00edn\u00e1 obdobn\u011b a nab\u00edz\u00ed na \u0161est m\u011bs\u00edc\u016f ro\u010dn\u00ed sazbu dv\u011b procenta, ov\u0161em jen u \u010d\u00e1stek do 300000 korun.Jsou tu pochopiteln\u011b nejednou i dal\u0161\u00ed \u00faskal\u00ed, jako je p\u0159edepsan\u00fd m\u011bs\u00ed\u010dn\u00ed po\u010det plateb kartou, p\u0159\u00edchoz\u00ed platby nebo pou\u017e\u00edv\u00e1n\u00ed jin\u00fdch produkt\u016f t\u00e9 kter\u00e9 banky, co\u017e je ale pro mne osobn\u011b nyn\u00ed podru\u017en\u00e9.Proto\u017ee mne zaujalo u\u017e i d\u0159\u00edve praktikovan\u00e9 omezov\u00e1n\u00ed \u010d\u00e1stek na spo\u0159ic\u00edch \u00fa\u010dtech, je\u017e jsou v\u00fdhodn\u011bji \u00faro\u010deny. Krom\u011b t\u011bch u\u017e v\u00fd\u0161e zm\u00edn\u011bn\u00fdch bank a produkt\u016f se to d\u011bje i v\u00a0dal\u0161\u00edch p\u0159\u00edpadech:–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 v Air Bank\u00a0 u spo\u0159ic\u00edch \u00fa\u010dt\u016f se vkladem do 250000 K\u010d–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 v \u010cSOB a Po\u0161tovn\u00ed spo\u0159iteln\u011b u Spo\u0159en\u00ed s\u00a0bonusem tak\u00e9 do \u010dtvrt milionu korun–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 v \u010cesk\u00e9 spo\u0159iteln\u011b u Spo\u0159en\u00ed \u010cS s\u00a0maximem vlo\u017een\u00fdch pen\u011bz 200000 K\u010d–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 v Komer\u010dn\u00ed bance na Spo\u0159ic\u00edm kont\u011b, Spo\u0159ic\u00edm \u00fa\u010dtu Bonus Aktiv \u010di kont\u011b Bonus Invest u \u010d\u00e1stky do 200000 korun–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 v Equa bank u Spo\u0159ic\u00edho \u00fa\u010dtu s\u00a0\u010d\u00e1stkou do p\u016fl milionu–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Moneta Money bank nab\u00edz\u00ed nejvy\u0161\u0161\u00ed \u00farok za ulo\u017een\u00e9 \u010d\u00e1stky do 999999 K\u010d–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Sberbank nejl\u00e9pe \u00faro\u010d\u00ed sumy do 300000 K\u010d, Unicreditbank do 499999 K\u010d, W\u00fcstenrot do 29999 K\u010dVesm\u011bs tak u \u010desk\u00fdch bank plat\u00ed, \u017ee \u010d\u00edm v\u011bt\u0161\u00ed \u010d\u00e1stka je v\u00a0nich ulo\u017eena, t\u00edm je za ni hor\u0161\u00ed \u00farok.A pr\u00e1v\u011b tyto r\u016fzn\u00e9 sazby pro r\u016fzn\u00e9 v\u00fd\u0161e vklad\u016f mi p\u0159ipadaj\u00ed tak jaksi zvl\u00e1\u0161tn\u00ed, divn\u00e9, nelogick\u00e9. Ba p\u0159\u00edmo diskriminuj\u00edc\u00ed.\u017de si t\u00edm bran\u00edm pen\u011bz od v\u00edce klient\u016f po men\u0161\u00edch \u010d\u00e1stk\u00e1ch banky komplikuj\u00ed \u017eivot, to je jejich v\u011bc. \u017de s\u00a0t\u00edm maj\u00ed v\u00edc pap\u00edrov\u00e1n\u00ed a tak.Ale aby se v\u011bt\u0161\u00ed \u010d\u00e1stky \u00faro\u010dily m\u00e9n\u011b ne\u017e ty men\u0161\u00ed? Co to je? V\u017edy\u0165 je ka\u017ed\u00e1 bankovka stejn\u00e1 jako ostatn\u00ed, za ka\u017edou je t\u0159eba odv\u00e9st stejnou pr\u00e1ci, za ka\u017edou lze nakoupit tot\u00e9\u017e. Tak pro\u010d se za n\u011bkter\u00e9 d\u00e1v\u00e1 lep\u0161\u00ed \u00farok ne\u017e za jin\u00e9?\u017de by to byla n\u011bjak\u00e1 novodob\u00e1 \u201emilion\u00e1\u0159sk\u00e1 da\u0148\u201c? 4.3\/5 - (9 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00e1me dvoj\u00ed pen\u00edze?","item":"https:\/\/www.zustan.cz\/mame-dvoji-penize\/#breadcrumbitem"}]}]