[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.d3bc.cz\/kdyz-chcete-klidne-spat\/#Article","mainEntityOfPage":"https:\/\/www.d3bc.cz\/kdyz-chcete-klidne-spat\/","headline":"Kdy\u017e chcete klidn\u011b sp\u00e1t","name":"Kdy\u017e chcete klidn\u011b sp\u00e1t","description":"Kdo by necht\u011bl m\u00edt sv\u00e9 vlastn\u00ed bydlen\u00ed? \u017divotn\u00ed jistotu, m\u00edt v\u017edy st\u0159echu nad hlavou. A kdy\u017e u\u017e jistotu, tak i dob\u0159e zaji\u0161t\u011bnou. K\u00a0hypot\u00e9k\u00e1m dnes pat\u0159\u00ed \u010c\u00edst d\u00e1le ...<\/a>","datePublished":"2019-03-17","dateModified":"2019-03-17","author":{"@type":"Person","@id":"https:\/\/www.d3bc.cz\/author\/#Person","name":"","url":"https:\/\/www.d3bc.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/16435f0a6c9262449b9ebb39f63178cd65c54b09f931b6f84682f48086e3d763?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/16435f0a6c9262449b9ebb39f63178cd65c54b09f931b6f84682f48086e3d763?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"d3bc.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.d3bc.cz\/wp-content\/uploads\/img_a341413_w2056_t1554034782.jpg","url":"https:\/\/www.d3bc.cz\/wp-content\/uploads\/img_a341413_w2056_t1554034782.jpg","height":0,"width":0},"url":"https:\/\/www.d3bc.cz\/kdyz-chcete-klidne-spat\/","wordCount":489,"articleBody":"\tKdo by necht\u011bl m\u00edt sv\u00e9 vlastn\u00ed bydlen\u00ed? \u017divotn\u00ed jistotu, m\u00edt v\u017edy st\u0159echu nad hlavou. A kdy\u017e u\u017e jistotu, tak i dob\u0159e zaji\u0161t\u011bnou.\tK\u00a0hypot\u00e9k\u00e1m dnes pat\u0159\u00ed i kvalitn\u00ed, dob\u0159e nastaven\u00e9 poji\u0161t\u011bn\u00ed, kter\u00e9 bude jak pro v\u00e1s, tak pro celou va\u0161i rodinu dal\u0161\u00ed jistota. Samoz\u0159ejm\u011b, \u017ee to nen\u00ed levn\u00e1 z\u00e1le\u017eitost.\tV\u00a0t\u011bchto p\u0159\u00edpadech se lidem, kte\u0159\u00ed si berou hypote\u010dn\u00ed \u00fav\u011br, p\u0159\u00edpadn\u011b jin\u00fd vy\u0161\u0161\u00ed spot\u0159ebn\u00ed \u00fav\u011br, tak se doporu\u010duje uzav\u0159\u00edt rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed k\u00a0hypot\u00e9ce. Je d\u016fle\u017eit\u00e9 si uv\u011bdomit, \u017ee p\u0159i tomto druhu poji\u0161t\u011bn\u00ed pen\u00edze neinvestujete. \u017d\u00e1dn\u00e9 vyrovn\u00e1n\u00ed na konci pojistn\u00e9ho obdob\u00ed nen\u00ed a nen\u00ed to ani da\u0148ov\u011b zv\u00fdhodn\u011bn\u00e9. Nic ur\u010dit\u011b nena\u0161et\u0159\u00edte, ale budete m\u00edt vy a va\u0161e rodina, po celou dobu spl\u00e1cen\u00ed hypot\u00e9ky jistotu, \u017ee v\u00e1s nic neohroz\u00ed. Bude to va\u0161e hypot\u00e9ka bez rizika.\u00a0 M\u011bs\u00ed\u010dn\u00ed spl\u00e1tky tohoto rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed se pohybuj\u00ed podle v\u00fd\u0161e \u00fav\u011bru, p\u0159ibli\u017en\u011b od 200,- do 1000,- K\u010d m\u011bs\u00ed\u010dn\u011b.\tP\u0159i uzav\u00edr\u00e1n\u00ed t\u00e9to speci\u00e1ln\u00ed pojistky je nejlep\u0161\u00ed rada od odborn\u00edka \u2013 finan\u010dn\u00edho poradce, na kter\u00e9ho si zjist\u011bte v\u00a0prvn\u00ed \u0159ad\u011b reference. Finan\u010dn\u00ed poradce, kter\u00fd se odborn\u011b zaob\u00edr\u00e1 (v\u00a0\u0161irok\u00e9m z\u00e1b\u011bru) v\u00edce poji\u0161\u0165ovnami a bankami, tak v\u00a0t\u00e9to z\u00e1le\u017eitosti, to m\u016f\u017ee b\u00fdt pro v\u00e1s doslova v\u00fdhra. Proto\u017ee se d\u00e1 vybavit poji\u0161t\u011bn\u00ed levn\u011bj\u0161\u00ed a kvalitn\u00ed.\tLid\u00e9, kte\u0159\u00ed si cht\u011bj\u00ed br\u00e1t hypot\u00e9ku, by m\u011bli po\u010d\u00edtat i s\u00a0t\u00edm, \u017ee \u00faroky mohou b\u00fdt vy\u0161\u0161\u00ed.\tA nav\u00edc se i st\u00e1v\u00e1, \u017ee ti, co si spo\u0159\u00ed se stavebn\u00ed spo\u0159itelnou, tak tam se \u010das od \u010dasu m\u016f\u017ee st\u00e1t, \u017ee \u00farokov\u00e1 sazba pro v\u00e1s \u2013 na vkladech, se m\u016f\u017ee z\u00a0n\u011bjak\u00e9ho d\u016fvodu i sn\u00ed\u017eit.\tJe\u0161t\u011b jedna rada p\u0159i uzav\u00edr\u00e1n\u00ed \u017eivotn\u00edch poji\u0161t\u011bn\u00ed p\u0159i hypot\u00e9ce: \t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Sna\u017ete se domluvit na vinkulaci pojistky ve prosp\u011bch v\u00e1s, v\u00a0p\u0159\u00edpad\u011b \u00famrt\u00ed, na obmy\u0161lenou osobu v\u00a0rodin\u011b.\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ke ka\u017ed\u00e9 pojistce p\u0159istupujte velmi zodpov\u011bdn\u011b u\u017e jen t\u00edm, \u017ee si ji d\u016fkladn\u011b p\u0159e\u010dt\u011bte. Pokud vinkulace pojistky na hypot\u00e9ku bude muset b\u00fdt na banku, uzav\u00edrejte poji\u0161t\u011bn\u00ed tak, aby tam bylo napsan\u00e9, \u017ee p\u0159\u00edpadn\u00e9 pln\u011bn\u00ed (nap\u0159\u00edklad z\u00a0d\u016fvodu \u00famrt\u00ed poji\u0161t\u011bnce) se pou\u017eije k\u00a0zaplacen\u00ed (umo\u0159en\u00ed) cel\u00e9ho zbyl\u00e9ho hypote\u010dn\u00edho \u00fav\u011bru, tak\u017ee poz\u016fstal\u00ed nemus\u00ed bance u\u017e nic spl\u00e1cet. A pokud pojistka nesta\u010d\u00ed, bude to ztr\u00e1ta banky. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy\u017e chcete klidn\u011b sp\u00e1t","item":"https:\/\/www.d3bc.cz\/kdyz-chcete-klidne-spat\/#breadcrumbitem"}]}]