{"id":1826,"date":"2021-06-10T13:19:20","date_gmt":"2021-06-10T11:19:20","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=1826"},"modified":"2022-04-12T16:45:54","modified_gmt":"2022-04-12T14:45:54","slug":"investice-dluhy","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/investice-dluhy\/","title":{"rendered":"Investice a dluhy &#8211; jde to v\u016fbec dohromady?"},"content":{"rendered":"<div class=\"single-featured-video\"><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/5hv8V6ZBxPI?rel=0&amp;showinfo=0&amp;autoplay=1&amp;modestbranding=1\" width=\"720\" height=\"405\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" allow=\"autoplay\"><\/iframe><\/div>\n<p>V\u011bt\u0161inou, kdy\u017e se potk\u00e1m s \u00fasp\u011b\u0161n\u00fdm podnikatelem, tak \u0159\u00edk\u00e1:<\/p>\n<p>\u201e<em>Vladim\u00edre, dluhy nem\u00e1m, v\u0161echno jsem zaplatil. Bar\u00e1k m\u00e1m zafinancovan\u00fd z hotovosti. A jsem bez dluh\u016f.<\/em>\u201c<\/p>\n<p>A j\u00e1 \u0159\u00edk\u00e1m:<\/p>\n<p>Hmm. To je dob\u0159e, \u017ee jste bez dluh\u016f. Ot\u00e1zka je, kdy\u017e jsou n\u00edzk\u00e9 \u00farokov\u00e9 sazby, jestli se to ned\u00e1 n\u011bjak vyu\u017e\u00edt.<\/p>\n<p>Ono z\u00e1le\u017e\u00ed samoz\u0159ejm\u011b na Va\u0161\u00ed situaci. Z\u00e1le\u017e\u00ed na tom, v jak\u00e9 jste pozici. Kolik m\u00e1te pen\u011bz. Jak V\u00e1m jede firma. Jak\u00e9 m\u00e1te dal\u0161\u00ed nemovitosti, t\u0159eba na pron\u00e1jem. Jak\u00e9 m\u00e1te dal\u0161\u00ed aktivity.<\/p>\n<h2 class=\"p1\">Dluh nemus\u00ed b\u00fdt nep\u0159\u00edtel<\/h2>\n<p>Dluh nen\u00ed bezpodm\u00edne\u010dn\u011b \u0161patn\u00fd, pokud ho um\u00edte spr\u00e1vn\u011b uchopit.<\/p>\n<p>Dnes dluhov\u00e9 financov\u00e1n\u00ed stoj\u00ed 2 % &#8211; 2,5 %.<\/p>\n<p>Existuje \u0161ance, \u017ee pen\u00edze zhodnot\u00edte v dlouhodob\u00e9m horizontu v\u00edce, ne\u017e stoj\u00ed ten dluh, pokud je budete investovat.<\/p>\n<p>Je mo\u017en\u00e9, \u017ee dokonce cashflow, kter\u00e9 V\u00e1m z takov\u00fdch investic poplyne, bude schopno spl\u00e1cet pr\u016fb\u011b\u017en\u00e9 \u00faroky, kter\u00e9 budete muset na tom dluhu platit.<\/p>\n<p>\u0160ance, \u017ee V\u00e1m to pom\u016f\u017ee zv\u011bt\u0161it V\u00e1\u0161 majetek nen\u00ed \u00fapln\u011b mal\u00e1.<\/p>\n<p>Tak\u017ee bych ur\u010dit\u011b nedoporu\u010doval automaticky \u201enebrat dluh do \u00favahy\u201c a zavrhnout ho.<\/p>\n<p>Sp\u00ed\u0161 bych zva\u017eoval, jestli ho n\u00e1hodou nevyu\u017e\u00edt.<\/p>\n<p>Je to v\u017edycky samoz\u0159ejm\u011b individu\u00e1ln\u00ed. Je to o t\u00e9 Va\u0161\u00ed situaci.<\/p>\n<h2>Dobr\u00fd dluh a \u0161patn\u00fd dluh<\/h2>\n<p>Nezab\u00edjejte dluh p\u0159ed\u010dasn\u011b.<br \/>\nMysl\u00edm si, \u017ee je dobr\u00e9 nau\u010dit se, co je dobr\u00fd dluh a co je \u0161patn\u00fd dluh.<\/p>\n<p>\u0160patn\u00fd dluh stoj\u00ed v\u00edce, ne\u017e m\u016f\u017eete na investic\u00edch vyd\u011blat.<\/p>\n<p>Dobr\u00fd dluh je takov\u00fd, kter\u00fd je levn\u00fd.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p>Zda ho pou\u017e\u00edt nebo ne, to je n\u011bco, o \u010dem je dobr\u00e9 pop\u0159em\u00fd\u0161let.<\/p>\n<p>N\u011bkte\u0159\u00ed moji klienti jsou i nad\u00e1le velmi aktivn\u00ed ve sv\u00fdch byznysech. V tom, \u017ee d\u011blaj\u00ed nemovitosti takov\u00fdm t\u00edm developersk\u00fdm zp\u016fsobem. Nebo kupuj\u00ed pozemky, slu\u010duj\u00ed je a prod\u00e1vaj\u00ed t\u0159eba d\u00e1l.<\/p>\n<p>Jeden z t\u011bchto klient\u016f pr\u00e1v\u011b pot\u0159eboval trochu v\u00edc pen\u011bz do sv\u00e9ho byznysu a bavili jsme se o tom.<\/p>\n<p>A j\u00e1 \u0159\u00edk\u00e1m:<\/p>\n<p>\u201e<em>Hele m\u00e1\u0161 n\u011bjak\u00e9 hypot\u00e9ky. Tak mo\u017en\u00e1 by st\u00e1lo za to to roz\u0161\u00ed\u0159it. M\u00edsto toho abys m\u011bl \u0161est milion\u016f, tak m\u016f\u017ee\u0161 m\u00edt t\u0159eba dal\u0161\u00edch \u0161est. Nebo dal\u0161\u00edch 10 milion\u016f na hypot\u00e9ku. Mo\u017en\u00e1 by to \u0161lo n\u011bjak vymyslet. A st\u00e1lo by za to o tom n\u011bjak pop\u0159em\u00fd\u0161let.<\/em><span class=\"Apple-converted-space\">\u201c<\/span><\/p>\n<h2>Velk\u00e1 v\u00fdhoda hypot\u00e9k<\/h2>\n<p>Hypot\u00e9ky jsou dneska levn\u00e9. Je to dobr\u00fd dluh. A maj\u00ed jednu velkou v\u00fdhodu.<\/p>\n<p>Na rozd\u00edl od mnoha dal\u0161\u00edch dluh\u016f se daj\u00ed zafixovat \u00farokov\u00e9 sazby.<\/p>\n<p>M\u00e1te jistotu, \u017ee se \u00farokov\u00e1 sazba nezm\u011bn\u00ed nejenom na rok, na dva, na t\u0159i, nebo na p\u011bt let, ale na deset let. Nebo na 15 let. Dokonce jsem sly\u0161el o fixaci i na 20 let dop\u0159edu.<\/p>\n<p>Pokud budete m\u00edt \u0161anci dostat pen\u00edze za 2% na 20 let dop\u0159edu, ani\u017e byste je musel p\u0159ed\u010dasn\u011b spl\u00e1cet, ale m\u00e1te tu \u0161anci je i p\u0159ed\u010dasn\u011b splatit, tak to z pohledu investi\u010dn\u00edho m\u016f\u017ee d\u00e1vat velk\u00fd smysl.<\/p>\n<p>Pen\u00edze, kter\u00e9 z\u00edsk\u00e1te a kter\u00e9 se V\u00e1m n\u011bkde uvoln\u00ed, m\u016f\u017eete investovat n\u011bkde jinde. Samoz\u0159ejm\u011b to nen\u00ed tak nap\u0159\u00edmo, jak to vypad\u00e1 z toho, co \u0159\u00edk\u00e1m, \u017ee byste dostali pen\u00edze z hypot\u00e9ky a ty investovali. Ne.<\/p>\n<h2>M\u00e1 dluh, i kdy\u017e pen\u00edze tu jsou<\/h2>\n<p>Michal byl v situaci, kdy m\u011bl p\u0159ipravenu hotovost na to, aby d\u016fm ve kter\u00e9m bydl\u00ed dramaticky rekonstruoval.<\/p>\n<p>Najednou zjistil, \u017ee mo\u017en\u00e1 tu hotovost nemus\u00ed pou\u017e\u00edt na p\u0159estavbu sv\u00e9ho domu. M\u016f\u017ee si nav\u00fd\u0161it hypot\u00e9ku, o kter\u00e9 p\u016fvodn\u011b v\u016fbec neuva\u017eoval.<\/p>\n<p>D\u00edky hypot\u00e9ce m\u016f\u017ee pen\u00edze, kter\u00e9 m\u011bl p\u0159ipraven\u00e9 v hotovosti, investovat n\u011bkde jinde. A \u0161ance, \u017ee mu ta investice p\u0159inese v\u00edce, je velmi vysok\u00e1.<\/p>\n<p>Nakonec se rozhodl, \u017ee ud\u011bl\u00e1 tuhle kombinaci. Pen\u00edze v hotovosti nech\u00e1 na byznys. Nebo na investice. A pen\u00edze na rekonstrukci sv\u00e9ho vlastn\u00edho bydlen\u00ed, na\u010derp\u00e1 p\u0159es hypot\u00e9ku.<\/p>\n<p>P\u0159esto\u017ee u\u017e se nau\u010dil ve sv\u00e9m \u017eivot\u011b t\u00edm, \u017ee m\u00e1 pen\u011bz hodn\u011b, \u017ee vlastn\u011b ty dluhy moc nepot\u0159ebuje, sou\u010dasn\u00e1 situace, kdy jsou \u00farokov\u00e9 sazby n\u00edzk\u00e9, mu najednou otev\u0159ela nov\u00fd zp\u016fsob, jak p\u0159em\u00fd\u0161let taky o pen\u011bz\u00edch, dluz\u00edch a investic\u00edch.<\/p>\n<h2>Dluh je dobr\u00fd sluha, ale \u0161patn\u00fd p\u00e1n<\/h2>\n<p>Nezapome\u0148te ale nikdy, \u017ee dluh je dobr\u00fd sluha, ale \u0161patn\u00fd p\u00e1n.<\/p>\n<p>Nesm\u00edte se nikdy dostat, co se t\u00fd\u010de dluhu, do situace, kdy u\u017e nebudete v\u011bd\u011bt, jak z n\u011bj ven.<\/p>\n<p>Kdy\u017e dluhy neodpov\u00eddaj\u00ed Va\u0161\u00ed \u017eivotn\u00ed situaci. T\u0159eba kdy\u017e jste mlad\u00ed a chcete si dneska koupit byt, kter\u00fd je velmi drah\u00fd. Tak je ot\u00e1zka jestli do toho j\u00edt. Nebo jestli n\u00e1hodou rad\u011bji nepronaj\u00edmat.<\/p>\n<p><strong>Takov\u00e9 dluhy by V\u00e1s mohly zat\u00ed\u017eit p\u0159\u00edli\u0161 vysok\u00fdm zp\u016fsobem na cel\u00fd \u017eivot dop\u0159edu. <\/strong><\/p>\n<p>To, co nechcete, je dostat se do takov\u00e9 t\u00e9 <strong>dluhov\u00e9 spir\u00e1ly,<\/strong> kdy jeden dluh vytlouk\u00e1 ten druh\u00fd.<\/p>\n<p>Za\u010dnete p\u0159\u00edli\u0161 velkou hypot\u00e9kou. Pak si k tomu p\u0159ihod\u00edte n\u011bjak\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br. Pak dostanete n\u011bjakou kreditn\u00ed kartu a za\u010dnete utr\u00e1cet p\u0159es kreditn\u00ed kartu. Najednou dluh\u016f m\u00e1te tolik, \u017ee nev\u00edte kam d\u0159\u00edv sko\u010dit.<\/p>\n<p>Situace, kter\u00e1 vypadala na za\u010d\u00e1tku l\u00e1kav\u011b, se zm\u011bnila v katastrofu, M\u016f\u017ee m\u00edt nedoz\u00edrn\u00e9 n\u00e1sledky pro ka\u017ed\u00e9ho, kdo s dluhem neum\u00ed rozumn\u011b zach\u00e1zet.<\/p>\n<h2>Rozumn\u00e1 v\u00fd\u0161e dluhu<\/h2>\n<p>Pokud si nejste jisti, tak se dluh\u016f klidn\u011b z\u0159ekn\u011bte.<\/p>\n<p>Pokud chcete m\u00edt v\u011bt\u0161\u00ed jistotu, po\u010d\u00edtejte v investi\u010dn\u00edm pl\u00e1nu i s n\u00e1klady na dluhovou slu\u017ebu, na spl\u00e1cen\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f.<\/p>\n<p>Spo\u010d\u00edtejte si p\u0159edem, co je rozumn\u00e1 v\u00fd\u0161e \u00fav\u011bru a co u\u017e je \u00fav\u011br, kter\u00fd je mo\u017en\u00e1 za hranou.<\/p>\n<p>M\u016f\u017ee se toti\u017e st\u00e1t, \u017ee Vy sice budete schopni spl\u00e1cet \u00fav\u011br, ale pak u\u017e nebudete schopni d\u00e1vat pen\u00edze stranou na svou finan\u010dn\u00ed nez\u00e1vislost. Na sv\u00e9 investice, kter\u00e9 jednoho dne pou\u017eijete k tomu, abyste financovali svoji rentu, kterou d\u0159\u00edve nebo pozd\u011bji budete pot\u0159ebovat.<\/p>\n<p>Mysl\u00edm si, \u017ee je to jedna z nejlep\u0161\u00edch v\u011bc\u00ed, kterou m\u016f\u017eete ud\u011blat jsou r\u016fzn\u00e9 sc\u00e9n\u00e1\u0159e budoucnosti. A\u0165 u\u017e si je spo\u010d\u00edt\u00e1te sami, nebo nech\u00e1te spo\u010d\u00edtat od n\u011bkoho jako jsme my.<\/p>\n<p>Kolik jste zadlu\u017een\u00ed. Kolik m\u016f\u017eete d\u00e1vat stranou na Va\u0161i budoucnost. A jak vlastn\u011b v\u016fbec ta budoucnost potom m\u016f\u017ee vyj\u00edt.<\/p>\n<p>Takov\u00fd v\u00fdpo\u010det V\u00e1m pom\u016f\u017ee ujasnit si, co je pro V\u00e1s to spr\u00e1vn\u00e9.<\/p>\n<h2>Rad\u011bji 2 miliony, ne\u017e 4 miliony<\/h2>\n<p>Pamatuju si na sch\u016fzku s jedn\u00edm klientem, kter\u00fd p\u0159i\u0161el na sch\u016fzku a \u0159\u00edkal, \u017ee pot\u0159ebuje velk\u00fd byt za 4 miliony.<\/p>\n<p>(U\u017e je to hodn\u011b d\u00e1vno. Z dne\u0161n\u00edho pohledu je ta \u010d\u00e1stka skoro \u00fasm\u011bvn\u00e1. Nejen v Praze.)<\/p>\n<p>My jsme spo\u010d\u00edtali jeho finan\u010dn\u00ed pl\u00e1n, dali jsme dohromady r\u016fzn\u00e9 sc\u00e9n\u00e1\u0159e budoucnosti s t\u00edm, jak bude pen\u00edze d\u00e1vat stranou, jak bude schopen spl\u00e1cet a podobn\u011b, tak mu najednou vy\u0161lo, \u017ee si m\u00e1 po\u0159\u00eddit hypot\u00e9ku maxim\u00e1ln\u011b za dva miliony.<\/p>\n<p>A on n\u00e1m hrozn\u011b d\u011bkoval, proto\u017ee \u0159\u00edkal:<\/p>\n<p>\u201e<em>Tak jako pocitov\u011b jsem si \u0159\u00edkal, \u017ee 2 miliony. Ale b\u00e1l jsem se, \u017ee to bude m\u00e1lo, tak asi sp\u00ed\u0161 ty 4 miliony.<\/em>\u201c<\/p>\n<p>Pochopil, \u017ee finan\u010dn\u00ed \u017eivot, finan\u010dn\u00ed budoucnost, nem\u00e1 rozm\u011br jenom toho dluhu, ale \u017ee se tam mus\u00ed d\u00e1vat na stranu tak\u00e9 pen\u00edze na budoucnost, aby jednoho dne mohl \u010derpat rentu.<\/p>\n<p>Kdy\u017e se to s dluhem p\u0159ep\u00edskne na za\u010d\u00e1tku, tak se mu to mo\u017en\u00e1 nemus\u00ed \u00fapln\u011b l\u00edbit, proto\u017ee by se mohl v p\u0159\u00edpad\u011b n\u011bjak\u00e9 krize dostat do situace, kterou by nezvl\u00e1dl.<\/p>\n<p>A to byl ten p\u0159\u00edpad, o kter\u00e9m jsme se bavili. Byl jedin\u00fd \u017eivitel rodiny. Man\u017eelka byla v\u00e1\u017en\u011b nemocn\u00e1 a nemohla vyd\u011bl\u00e1vat. M\u011bli dv\u011b mal\u00e9 d\u011bti. A ta situace byla osobn\u011b velmi n\u00e1ro\u010dn\u00e1.<\/p>\n<p>On m\u011bl vlastn\u011b nakro\u010deno do n\u011b\u010deho, co kdyby se 10 let nic nezm\u011bnilo a v\u0161echno fungovalo skv\u011ble, tak by zvl\u00e1dnul. Ale deset let by riskoval, \u017ee kdy\u017e p\u0159ijde n\u011bjak\u00fd pr\u016f\u0161vih, tak\u017ee se to nemus\u00ed pov\u00e9st a \u017ee ho to m\u016f\u017ee \u00fapln\u011b zruinovat.<\/p>\n<p>D\u00edky v\u00fdpo\u010dt\u016fm, kter\u00e9 jsme pro n\u011bj ud\u011blali, si uv\u011bdomil, \u017ee to u\u017e je n\u011bco, co je za hranou. Co pro n\u011bj nen\u00ed \u00fapln\u011b to, co by cht\u011bl. A vnit\u0159n\u011b to c\u00edtil.<\/p>\n<p>Bylo to fascinuj\u00edc\u00ed. On to vnit\u0159n\u011b c\u00edtil, \u017ee to nen\u00ed \u00fapln\u011b ono. Ale pot\u0159eboval n\u011bkoho, s k\u00fdm si o tom promluv\u00ed a kdo mu \u0159ekne:<\/p>\n<p>\u201e<em>Hele, tady jsou 3 r\u016fzn\u00e9 sc\u00e9n\u00e1\u0159e. Tady je n\u011bjak\u00e9 riziko. Tady je jin\u00e9 riziko. Tady je je\u0161t\u011b jin\u00e9 riziko. A v\u00fdhody samoz\u0159ejm\u011b. Proto\u017ee ka\u017ed\u00fd ten sc\u00e9n\u00e1\u0159 jako v\u017edy m\u00e1 sv\u00e9 v\u00fdhody i sv\u00e1 omezen\u00ed.<\/em><span class=\"Apple-converted-space\">\u201c<\/span><\/p>\n<h2 class=\"p1\">Spo\u010d\u00edtejte si n\u011bkolik sc\u00e9n\u00e1\u0159\u016f dop\u0159edu<\/h2>\n<p>Kdy\u017e budete p\u0159em\u00fd\u0161let o dluhu a o investic\u00edch, tak v\u017edycky p\u0159em\u00fd\u0161lejte o r\u016fzn\u00fdch sc\u00e9n\u00e1\u0159\u00edch budoucnosti.<\/p>\n<p>Co se v t\u00e9 budoucnosti m\u016f\u017ee st\u00e1t.<\/p>\n<p>Nepracujte jenom s jedn\u00edm sc\u00e9n\u00e1\u0159em. Ud\u011blejte si ide\u00e1ln\u011b r\u016fzn\u00e9 varianty.<\/p>\n<p>A teprve a\u017e je uvid\u00edte, tak se rozhodn\u011bte.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p>Rozhodnout se pro nemovitost, kter\u00e1 je pro V\u00e1s p\u0159\u00edli\u0161 drah\u00e1, a vz\u00edt si na n\u00ed vzhledem k Va\u0161\u00ed situaci (dne\u0161n\u00ed i budouc\u00ed) p\u0159\u00edli\u0161 velk\u00fd \u00fav\u011br, by se V\u00e1m nemuselo vyplatit.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p>A naopak.<\/p>\n<p>N\u011bkdy, t\u0159eba v dob\u011b n\u00edzk\u00fdch \u00farokov\u00fdch sazeb jako jsou te\u010f, m\u016f\u017ee d\u00e1vat velk\u00fd smysl m\u00edt hypot\u00e9\u010dn\u00ed \u00fav\u011br a pen\u00edze, kter\u00e9 jste p\u016fvodn\u011b m\u011bli schovan\u00e9 na n\u011bco, tak investovat.<\/p>\n<p>Zva\u017ete r\u016fzn\u00e9 okolnosti. Ide\u00e1ln\u011b si namodelujte, co m\u016f\u017ee p\u0159ij\u00edt a teprve potom se rozhodnout.<\/p>\n<h2>Pozor na emoce (i u nemovitost\u00ed)<\/h2>\n<p>Jedinou v\u011bc, kterou m\u016f\u017eete ud\u011blat \u0161patn\u011b, je zamilovat se do n\u011bjak\u00e9 nemovitosti a p\u0159ehnat to s t\u00edm, \u017ee si ji chcete koupit za ka\u017edou cenu.<\/p>\n<p>Dneska se nemovitosti kupuj\u00ed \u010dasto formou aukce.<\/p>\n<p>Z\u00fa\u010dastn\u00edte se n\u011bjak\u00e9 aukce. L\u00edb\u00ed se V\u00e1m nemovitost. P\u0159ihazujete, proto\u017ee ji chcete. Najednou nev\u00edte, kdy m\u00e1te dost, kdy m\u00e1te skon\u010dit, a p\u0159ihod\u00edte v\u00edc, ne\u017e budete cht\u00edt&#8230; To nemus\u00ed m\u00edt dobr\u00e9 konce.<\/p>\n<p>Tak\u017ee na to d\u00e1vejte pozor a\u00a0s dluhem pracujete obez\u0159etn\u011b.<\/p>\n<p>Na druhou stranu se ho nebojte, pokud u\u017e m\u00e1te dost pen\u011bz.<\/p>\n<p>V takov\u00e9m p\u0159\u00edpad\u011b V\u00e1s dluh a spr\u00e1vn\u00e9 dluhov\u00e9 zat\u00ed\u017een\u00ed m\u016f\u017ee posunout i vp\u0159ed.<\/p>\n<h3 class=\"p1\">A co si o dluhu a investic\u00edch mysl\u00edte Vy?<\/h3>\n<p>Jsem zv\u011bdav\u00fd na V\u00e1\u0161 n\u00e1zor. Napi\u0161te mi do koment\u00e1\u0159\u016f.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hypot\u00e9ky a dluhy mohou m\u00edt pozitivn\u00ed, ale i odvr\u00e1cenou stranu mince<\/p>\n","protected":false},"author":2,"featured_media":1832,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"video","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[4],"tags":[54,53],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Investice a dluhy - jde to v\u016fbec dohromady? - InvestGuru.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.fichtner.cz\/investice-dluhy\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Investice a dluhy - jde to v\u016fbec dohromady?\" \/>\n<meta property=\"og:description\" content=\"Hypot\u00e9ky a dluhy mohou m\u00edt pozitivn\u00ed, ale i odvr\u00e1cenou stranu mince\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fichtner.cz\/investice-dluhy\/\" \/>\n<meta property=\"og:site_name\" content=\"InvestGuru.cz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Fichtner-sro-185375650667\/\" \/>\n<meta property=\"article:published_time\" content=\"2021-06-10T11:19:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-04-12T14:45:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2021\/06\/investice-dluhy-social.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Vladim\u00edr Fichtner\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Vladim\u00edr Fichtner\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fichtner.cz\/investice-dluhy\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/investice-dluhy\/\"},\"author\":{\"name\":\"Vladim\u00edr Fichtner\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/#\/schema\/person\/e5835533bc569b1026f8e75c9e10af04\"},\"headline\":\"Investice a dluhy &#8211; jde to v\u016fbec dohromady?\",\"datePublished\":\"2021-06-10T11:19:20+00:00\",\"dateModified\":\"2022-04-12T14:45:54+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/investice-dluhy\/\"},\"wordCount\":1953,\"commentCount\":3,\"publisher\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.fichtner.cz\/investice-dluhy\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2021\/06\/investice-dluhy-blog.jpg\",\"keywords\":[\"dluh\",\"hypot\u00e9ka\"],\"articleSection\":[\"Video tipy\"],\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.fichtner.cz\/investice-dluhy\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/investice-dluhy\/\",\"url\":\"https:\/\/www.fichtner.cz\/investice-dluhy\/\",\"name\":\"Investice a dluhy - jde to v\u016fbec dohromady? 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