{"id":1068,"date":"2022-12-07T15:53:56","date_gmt":"2022-12-07T15:53:56","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1068"},"modified":"2022-12-07T15:53:58","modified_gmt":"2022-12-07T15:53:58","slug":"hypoteka-bez-pojisteni-je-zbytecny-hazard","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/hypoteka-bez-pojisteni-je-zbytecny-hazard\/","title":{"rendered":"Hypot\u00e9ka bez poji\u0161t\u011bn\u00ed je zbyte\u010dn\u00fd hazard"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">V\u011bt\u0161ina lid\u00ed nem\u00e1 adekv\u00e1tn\u00ed poji\u0161t\u011bn\u00ed hypot\u00e9ky pro p\u0159\u00edpad ne\u010dekan\u00e9 ud\u00e1losti. P\u0159itom vz\u00edt si hypot\u00e9ku bez kvalitn\u00edho poji\u0161t\u011bn\u00ed je v dne\u0161n\u00ed dob\u011b velk\u00fd hazard. Ochranu p\u0159\u00edjmu nepodce\u0148ujte, jinak se m\u016f\u017ee rodina snadno dostat do finan\u010dn\u00edch probl\u00e9m\u016f.<\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co se v \u010dl\u00e1nku do\u010dtete<\/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=\"#htoc-m-te-ni-rok-d-ky-bankopoji-t-n-to-nesta\">M\u00e1te ni\u017e\u0161\u00ed \u00farok d\u00edky bankopoji\u0161t\u011bn\u00ed? To nesta\u010d\u00ed!<\/a><\/li><li class=\"\"><a href=\"#htoc-poji-t-n-hypot-ky-p-es-ivotn-poji-t-n\">Poji\u0161t\u011bn\u00ed hypot\u00e9ky p\u0159es \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-co-kdy-u-smlouvu-na-ivotn-poji-t-n-m-te\">Co kdy\u017e u\u017e smlouvu na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed m\u00e1te?<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-m-te-ni-rok-d-ky-bankopoji-t-n-to-nesta\"><strong>M\u00e1te ni\u017e\u0161\u00ed \u00farok d\u00edky bankopoji\u0161t\u011bn\u00ed? To nesta\u010d\u00ed!<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jednou z mo\u017enost\u00ed, jak si zajistit \u00fav\u011br a nav\u00edc u banky z\u00edskat slevu na \u00farokov\u00e9 sazb\u011b, je takzvan\u00e9 <strong>poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet neboli bankopoji\u0161t\u011bn\u00ed<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dejte si na n\u011bj ale pozor! Banka v\u00e1m sice d\u00e1 slevu 0,1\u20130,2 % z <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\/fixace\">\u00farokov\u00e9 sazby<\/a>, ale poji\u0161t\u011bn\u00e1 <strong>rizika budou dost omezen\u00e1<\/strong>. Zpravidla si sjedn\u00e1te bal\u00ed\u010dek poji\u0161t\u011bn\u00ed s riziky smrti a invalidity, ale v\u011bt\u0161inou jenom 3. stupn\u011b. V\u00fdjime\u010dn\u011b banka do poji\u0161t\u011bn\u00ed zahrne i v\u00e1\u017en\u00e1 onemocn\u011bn\u00ed, ale v\u0161e jen s klesaj\u00edc\u00ed pojistnou \u010d\u00e1stkou.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u011bkter\u00e9 banky ve spolupr\u00e1ci s poji\u0161\u0165ovnami nab\u00edzej\u00ed v r\u00e1mci t\u011bchto bal\u00ed\u010dk\u016f mo\u017enost <strong>p\u0159ipojistit pracovn\u00ed neschopnost <\/strong>nebo ztr\u00e1tu zam\u011bstn\u00e1n\u00ed. V takov\u00e9m p\u0159\u00edpad\u011b ale v\u011bt\u0161inou pln\u00ed a\u017e od 30. dne a maxim\u00e1ln\u011b 6 nebo 12 spl\u00e1tek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Myslete tak\u00e9 na to, \u017ee p\u0159\u00edpadn\u00e9 pln\u011bn\u00ed z tohoto poji\u0161t\u011bn\u00ed <strong>p\u016fjde rovnou bance <\/strong>na splacen\u00ed \u00fav\u011bru. \u017d\u00e1dn\u00e9 pen\u00edze se nedostanou k v\u00e1m a va\u0161\u00ed rodin\u011b.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-text-color wp-block-paragraph\">V\u00edte, na jakou \u010d\u00e1stku si nastavit poji\u0161t\u011bn\u00ed sv\u00e9ho domu nebo bytu? Vyzkou\u0161ejte na\u0161i kalkula\u010dku pro <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\/odhad-nemovitosti\">odhad ceny nemovitosti<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-poji-t-n-hypot-ky-p-es-ivotn-poji-t-n\"><strong>Poji\u0161t\u011bn\u00ed hypot\u00e9ky p\u0159es \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">U \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, kter\u00e9 si uzav\u0159ete mimo \u00fav\u011brovou smlouvu, je to jin\u00e9. Rizikov\u00e9 \u017eivotn\u00ed <strong>poji\u0161t\u011bn\u00ed chr\u00e1n\u00ed hlavn\u011b v\u00e1s<\/strong>, nikoli banku. Nav\u00edc v\u00e1m poskytne \u0161ir\u0161\u00ed pojistnou ochranu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u016f\u017eete si zvolit vy\u0161\u0161\u00ed pojistn\u00e9 \u010d\u00e1stky a kombinovat je jak s klesaj\u00edc\u00ed, tak i konstantn\u00ed pojistnou \u010d\u00e1stkou. M\u016f\u017eete si pojistit rizika, kter\u00e1 v bal\u00ed\u010dc\u00edch bankopoji\u0161t\u011bn\u00ed nenajdete. Hlavn\u011b si ale cel\u00e9 poji\u0161t\u011bn\u00ed nastav\u00edte podle sv\u00fdch pot\u0159eb.<\/p>\n\n\n\n<iframe src=\"https:\/\/www.fingo.cz\/banner\/zp\/version1\" frameborder=\"0\" allowfullscreen=\"\" style=\"box-shadow: 0 0 10px gray; margin: 10px; max-width:100%\" width=\"740\" height=\"650\" scrolling=\"1\" name=\"banner1\" id=\"banner1\"><\/iframe>\n\n\n\n<p class=\"wp-block-paragraph\">Dob\u0159e nastaven\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed <strong>zajist\u00ed va\u0161i rodinu v t\u011b\u017ek\u00fdch \u017eivotn\u00edch situac\u00edch<\/strong>. Pom\u016f\u017ee spl\u00e1cet \u00fav\u011br v p\u0159\u00edpad\u011b v\u00e1\u017en\u00e9ho onemocn\u011bn\u00ed nebo \u00farazu, nahrad\u00ed p\u0159\u00edjem po dobu <a href=\"https:\/\/www.fingo.cz\/blog\/vyznejte-se-v-pojisteni-pracovni-neschopnosti\/\">pracovn\u00ed neschopnosti<\/a>, vykryje pot\u0159ebu dlouhodob\u00e9 l\u00e9\u010dby nebo rehabilitace po \u00faraze, p\u0159\u00edpadn\u011b dopln\u00ed sn\u00ed\u017een\u00fd p\u0159\u00edjem v p\u0159\u00edpad\u011b invalidity a trval\u00fdch n\u00e1sledk\u016f \u00farazu.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je jen na v\u00e1s, jestli z pojistn\u00e9ho pln\u011bn\u00ed splat\u00edte hypot\u00e9ku nebo jin\u00e9 nal\u00e9hav\u00e9 v\u00fddaje.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-co-kdy-u-smlouvu-na-ivotn-poji-t-n-m-te\"><strong>Co kdy\u017e u\u017e smlouvu na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed m\u00e1te?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud m\u00e1te u\u017e p\u0159ed hypot\u00e9kou uzav\u0159enou smlouvu na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, nemus\u00ed to b\u00fdt probl\u00e9m. \u010casto sta\u010d\u00ed smlouvu upravit, p\u0159\u00edpadn\u011b doplnit n\u011bkter\u00e1 rizika.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.fingo.cz\/blog\/investicni-nebo-rizikove-zivotni-pojisteni\/\">\u017divotn\u00ed poji\u0161t\u011bn\u00ed<\/a> je flexibiln\u00ed produkt. M\u016f\u017eete si <strong>doplnit rizika a pojistn\u00e9 \u010d\u00e1stky<\/strong> v klesaj\u00edc\u00ed variant\u011b \u2013 ta pokryj\u00ed hypot\u00e9ku. Rizika v konstantn\u00ed variant\u011b ve smlouv\u011b d\u00e1l z\u016fstanou a zajist\u00ed p\u0159\u00edjmy rodiny. Takto obecn\u011b doporu\u010dujeme sjednat hlavn\u011b velk\u00e1 rizika jako smrt, invaliditu nebo velmi v\u00e1\u017en\u00e1 onemocn\u011bn\u00ed. V n\u011bkter\u00fdch p\u0159\u00edpadech se vyplat\u00ed starou smlouvu nechat beze zm\u011bny a pro pot\u0159eby hypot\u00e9ky si sjednat nov\u00e9 poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V n\u011bkter\u00fdch situac\u00edch je nejlep\u0161\u00ed celou smlouvu p\u0159epracovat, proto\u017ee se na trhu mezit\u00edm objevily<strong> nov\u00e9 a zaj\u00edmav\u011bj\u0161\u00ed mo\u017enosti<\/strong>. Dejte si ale pozor na nov\u00e9 \u010dekac\u00ed lh\u016fty a sv\u016fj zdravotn\u00ed stav. Pohl\u00eddejte si tak\u00e9, jestli nem\u00e1te v p\u016fvodn\u00ed smlouv\u011b n\u011bjak\u00fd benefit, o kter\u00fd nechcete p\u0159ij\u00edt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ne\u017e za\u010dnete n\u011bco m\u011bnit nebo sjedn\u00e1vat, <a href=\"https:\/\/www.fingo.cz\/kontakty\">obra\u0165te se proto na zku\u0161en\u00e9ho finan\u010dn\u00edho poradce<\/a>, kter\u00fd v\u00e1m <strong>pojistnou smlouvu zdarma zkontroluje<\/strong>. D\u00edky n\u011bmu se v\u00e1m bude zase sp\u00e1t o n\u011bco l\u00e9pe.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>V\u011bt\u0161ina lid\u00ed nem\u00e1 adekv\u00e1tn\u00ed poji\u0161t\u011bn\u00ed hypot\u00e9ky pro p\u0159\u00edpad ne\u010dekan\u00e9 ud\u00e1losti. P\u0159itom vz\u00edt si hypot\u00e9ku bez kvalitn\u00edho poji\u0161t\u011bn\u00ed je v dne\u0161n\u00ed dob\u011b velk\u00fd hazard. Ochranu p\u0159\u00edjmu nepodce\u0148ujte, jinak se m\u016f\u017ee rodina snadno dostat do finan\u010dn\u00edch probl\u00e9m\u016f. M\u00e1te ni\u017e\u0161\u00ed \u00farok d\u00edky bankopoji\u0161t\u011bn\u00ed? To nesta\u010d\u00ed! Jednou z mo\u017enost\u00ed, jak si zajistit \u00fav\u011br a nav\u00edc u banky z\u00edskat slevu na \u00farokov\u00e9 sazb\u011b, je takzvan\u00e9 poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet neboli bankopoji\u0161t\u011bn\u00ed. Dejte si na n\u011bj ale pozor! Banka v\u00e1m sice d\u00e1 slevu 0,1\u20130,2 % z \u00farokov\u00e9 sazby, ale poji\u0161t\u011bn\u00e1 rizika budou dost omezen\u00e1. Zpravidla si sjedn\u00e1te bal\u00ed\u010dek poji\u0161t\u011bn\u00ed s riziky smrti a invalidity, ale v\u011bt\u0161inou jenom 3. stupn\u011b. V\u00fdjime\u010dn\u011b banka do poji\u0161t\u011bn\u00ed zahrne i v\u00e1\u017en\u00e1 onemocn\u011bn\u00ed, ale v\u0161e jen s klesaj\u00edc\u00ed pojistnou \u010d\u00e1stkou. N\u011bkter\u00e9 banky ve spolupr\u00e1ci s poji\u0161\u0165ovnami nab\u00edzej\u00ed v r\u00e1mci t\u011bchto bal\u00ed\u010dk\u016f mo\u017enost p\u0159ipojistit pracovn\u00ed neschopnost nebo ztr\u00e1tu zam\u011bstn\u00e1n\u00ed. V takov\u00e9m p\u0159\u00edpad\u011b ale v\u011bt\u0161inou pln\u00ed a\u017e od 30. dne a maxim\u00e1ln\u011b 6 nebo 12 spl\u00e1tek. Myslete tak\u00e9 na to, \u017ee p\u0159\u00edpadn\u00e9 pln\u011bn\u00ed z tohoto poji\u0161t\u011bn\u00ed p\u016fjde rovnou bance na splacen\u00ed \u00fav\u011bru. \u017d\u00e1dn\u00e9 pen\u00edze se nedostanou k v\u00e1m a va\u0161\u00ed rodin\u011b. V\u00edte, na jakou \u010d\u00e1stku si nastavit poji\u0161t\u011bn\u00ed sv\u00e9ho domu nebo bytu? Vyzkou\u0161ejte na\u0161i kalkula\u010dku pro odhad ceny nemovitosti. Poji\u0161t\u011bn\u00ed hypot\u00e9ky p\u0159es \u017eivotn\u00ed poji\u0161t\u011bn\u00ed U [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1070,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[12,28,18,27],"class_list":["post-1068","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zivotni-pojisteni","tag-hypoteka","tag-petr-motacek","tag-pojisteni","tag-zivotni-pojisteni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Hypot\u00e9ka bez poji\u0161t\u011bn\u00ed je zbyte\u010dn\u00fd hazard - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"V\u00edte, jak na spr\u00e1vn\u00e9 poji\u0161t\u011bn\u00ed hypot\u00e9ky? 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