{"id":628,"date":"2022-05-18T12:32:00","date_gmt":"2022-05-18T12:32:00","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=628"},"modified":"2023-12-20T11:54:43","modified_gmt":"2023-12-20T10:54:43","slug":"proc-nedosahnete-na-sazby-z-plakatu","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/proc-nedosahnete-na-sazby-z-plakatu\/","title":{"rendered":"8 d\u016fvod\u016f, pro\u010d (asi) nedos\u00e1hnete na hypote\u010dn\u00ed sazby z plak\u00e1t\u016f"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><br>Kouk\u00e1te na reklamy? Uva\u017eujete o hypot\u00e9ce? \u0158\u00edk\u00e1te si, \u017ee byste cht\u011bli taky takovou dobrou \u00farokovou sazbu, kterou vid\u00edte v&nbsp;televizn\u00ed reklam\u011b nebo na v\u00e1s kouk\u00e1 z&nbsp;plak\u00e1tu? T\u00e9to sazby m\u016f\u017eete dos\u00e1hnout, ale v\u011bt\u0161inou p\u0159i spln\u011bn\u00ed hned n\u011bkolika podm\u00ednek. Jak\u00fdch konkr\u00e9tn\u011b? A je v\u016fbec v\u00fdhodn\u00e9 na tyto podm\u00ednky p\u0159istoupit?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-nechcete-nevyhodne-pojisteni\">1. <strong>Nechcete nev\u00fdhodn\u00e9 poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00dav\u011brov\u00e9 poji\u0161t\u011bn\u00ed neboli \u201ePoji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet\u201c nab\u00edz\u00ed v&nbsp;r\u00e1mci sv\u00fdch bal\u00ed\u010dk\u016f v\u011bt\u0161ina bank a na prvn\u00ed pohled to m\u016f\u017ee vypadat v\u00fdhodn\u011b. D\u00e1vaj\u00ed v\u00e1m slevu z&nbsp;\u00farokov\u00e9 sazby hypot\u00e9ky, a pokud t\u0159eba onemocn\u00edte nebo se stanete invalidn\u00edm nebo ztrat\u00edte pr\u00e1ci, tak nab\u00edz\u00ed <strong>pomocnou ruku se spl\u00e1cen\u00edm<\/strong>. Ve skute\u010dnosti to tak <strong>v\u00fdhodn\u00e9 b\u00fdt nemus\u00ed<\/strong>.<strong> Za poji\u0161t\u011bn\u00ed zaplat\u00edte v\u00edce ne\u017e za slevu<\/strong> z&nbsp;\u00farokov\u00e9 sazby, poji\u0161t\u011bn\u00ed kryje jen n\u011bkter\u00e1 rizika, a nav\u00edc <strong>obmy\u0161lenou osobou \u010dasto b\u00fdv\u00e1 banka<\/strong>, kter\u00e1 ur\u010duje pravidla, kolik a kam bude z&nbsp;pojistn\u00e9 ud\u00e1losti vyplaceno pen\u011bz. Rozumn\u011bj\u0161\u00edm \u0159e\u0161en\u00edm je obvykle <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/a>, kde si nastav\u00edte rizika dle sv\u00e9ho uv\u00e1\u017een\u00ed, ur\u010d\u00edte si sami v\u00fd\u0161i pojistn\u00fdch \u010d\u00e1stek a zvol\u00edte si obmy\u0161lenou osobu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>TIP:<\/strong> P\u0159e\u010dt\u011bte si n\u00e1\u0161 \u010dl\u00e1nek <a href=\"https:\/\/www.fingo.cz\/blog\/pojisteni-hypoteky\/\" target=\"_blank\" rel=\"noreferrer noopener\">Poji\u0161t\u011bn\u00ed k hypot\u00e9ce: Nedejte na banku<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-aktivni-ucet-mate-u-jine-banky\">2. <strong>Aktivn\u00ed \u00fa\u010det m\u00e1te u jin\u00e9 banky<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Abyste z\u00edskali slevu z&nbsp;\u00farokov\u00e9 sazby hypot\u00e9ky, tak v\u011bt\u0161ina bank po\u017eaduje <strong>zalo\u017een\u00ed b\u011b\u017en\u00e9ho \u00fa\u010dtu<\/strong>. Zaj\u00edmejte se ale o to, zda tento b\u011b\u017en\u00fd \u00fa\u010det je zdarma \u010di nikoliv. Pokud zdarma, tak za jak\u00fdch podm\u00ednek. V\u011bt\u0161inou se mus\u00ed jednat o <strong>\u201eaktivn\u00ed \u00fa\u010det\u201c<\/strong>. Aktivn\u00ed znamen\u00e1, \u017ee v\u00e1m tam mus\u00ed chodit v\u00fdplata nebo alespo\u0148 jej\u00ed \u010d\u00e1st a mus\u00ed b\u00fdt ka\u017ed\u00fd m\u011bs\u00edc provedena na \u00fa\u010dt\u011b n\u011bjak\u00e1 transakce, nap\u0159\u00edklad platebn\u00ed kartou. P\u0159i nespln\u011bn\u00ed podm\u00ednek m\u016f\u017eete zaplatit i<strong> stokoruny m\u011bs\u00ed\u010dn\u011b za tento \u00fa\u010det nav\u00edc<\/strong>, a t\u00edm se samoz\u0159ejm\u011b hypot\u00e9ka prodra\u017euje.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-nevydelavate-opravdu-hodne\">3. <strong>Nevyd\u011bl\u00e1v\u00e1te opravdu hodn\u011b<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nen\u00ed to standardem u v\u0161ech bank, ale n\u011bkter\u00e9 maj\u00ed pro schv\u00e1len\u00ed v\u00fdhodn\u00e9 \u00farokov\u00e9 sazby speci\u00e1ln\u00ed <strong>po\u017eadavek na v\u00fd\u0161i va\u0161eho p\u0159\u00edjmu<\/strong>. Cht\u011bj\u00ed, aby \u017eadatel \u010di \u017eadatel\u00e9 spole\u010dn\u011b dos\u00e1hli na vy\u0161\u0161\u00ed p\u0159\u00edjem, zde se m\u016f\u017eete setkat s&nbsp;po\u017eadavkem na<strong> minim\u00e1ln\u00ed p\u0159\u00edjem 50 000 K\u010d \u010di 80 000 K\u010d<\/strong>. Pokud na tento p\u0159\u00edjem klienti nedosahuj\u00ed, tak ho mohou nahradit <strong>aktivy v&nbsp;dan\u00e9 bance v&nbsp;\u0159\u00e1dech milion\u016f korun<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-nekupujete-tropicky-ostrov\">4. <strong>Nekupujete tropick\u00fd ostrov<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">I v\u00fd\u0161e \u00fav\u011bru m\u016f\u017ee hr\u00e1t roli p\u0159i rozhodov\u00e1n\u00ed banky o n\u00edzk\u00e9m \u00faroku. U tohoto ukazatele se \u010dasto st\u00e1v\u00e1, \u017ee je <strong>jedn\u00edm z&nbsp;hlavn\u00edch krit\u00e9ri\u00ed banky pro p\u0159id\u011blen\u00ed minim\u00e1ln\u00ed sazby<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-nechcete-priplacet-za-drazsi-pojisteni\">5. <strong>Nechcete p\u0159ipl\u00e1cet za dra\u017e\u0161\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tuto podm\u00ednku nem\u00e1 v&nbsp;nab\u00eddce \u00fapln\u011b ka\u017ed\u00e1 banka, ale najdou se takov\u00e9, kter\u00e9 <strong>cht\u011bj\u00ed prodat svoje vlastn\u00ed majetkov\u00e9 poji\u0161t\u011bn\u00ed<\/strong> (ve spolupr\u00e1ci s&nbsp;partnerskou poji\u0161\u0165ovnou), a proto um\u00ed potom slevit t\u0159eba o desetinu na \u00farokov\u00e9 sazb\u011b.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-nejste-dost-mladi\">6. <strong>Nejste dost mlad\u00ed<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Najdou se u\u017e i prvn\u00ed banky, kter\u00e9 um\u00ed d\u00e1t <strong>lep\u0161\u00ed sazbu klient\u016fm do 36 let<\/strong>. (P\u0159e\u010dt\u011bte si <a href=\"https:\/\/www.fingo.cz\/blog\/podminky-hypoteky\/\" target=\"_blank\" rel=\"noreferrer noopener\">podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-7-nebydlite-dost-eko\">7. <strong>Nebydl\u00edte dost EKO<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dal\u0161\u00ed slevu lze z\u00edskat, pokud je \u00fa\u010delem \u00fav\u011bru tzv. \u201evlastn\u00ed \u00fasporn\u00e9 bydlen\u00ed\u201c. To vy\u017eaduje <strong>dolo\u017een\u00ed Pr\u016fkazu energetick\u00e9 n\u00e1ro\u010dnosti budovy<\/strong> (PENB) ve&nbsp;t\u0159\u00edd\u011b A nebo B.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-8-nemate-u-banky-jiny-aktivni-uverovy-produkt\">8. <strong>Nem\u00e1te u banky jin\u00fd aktivn\u00ed \u00fav\u011brov\u00fd produkt<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Na trhu se m\u016f\u017eeme setkat i s&nbsp;bankou, kde jedinou podm\u00ednkou pro z\u00edsk\u00e1n\u00ed slevy na \u00farokov\u00e9 sazb\u011b je to, \u017ee klient mus\u00ed m\u00edt <strong>historicky sjednan\u00fd jin\u00fd \u00fav\u011br u dan\u00e9 banky<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-divejte-se-hlavne-na-rpsn\"><strong>D\u00edvejte se hlavn\u011b na RPSN<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pozor je\u0161t\u011b na jednu d\u016fle\u017eitou v\u011bc. \u00darokov\u00e1 sazba, zvl\u00e1\u0161t\u011b v&nbsp;reklamn\u00edch spotech, p\u016fsob\u00ed velice l\u00e1kav\u011b, ale<strong> sledujte hlavn\u011b tzv. RPSN<\/strong>. Jde o ro\u010dn\u00ed procentn\u00ed sazbu n\u00e1klad\u016f, do kter\u00e9 krom\u011b z\u00e1kladn\u00ed \u00farokov\u00e9 sazby vstupuj\u00ed <strong>i dal\u0161\u00ed poplatky<\/strong> a n\u00e1klady jako nap\u0159\u00edklad:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>poplatky za <strong>posouzen\u00ed \u017e\u00e1dosti o \u00fav\u011br<\/strong><\/li>\n\n\n\n<li>poplatky v\u00e1\u017e\u00edc\u00ed se k uzav\u0159en\u00ed smlouvy (nap\u0159. <strong>administrativn\u00ed poplatky<\/strong>)<\/li>\n\n\n\n<li>poplatky za <strong>veden\u00ed \u00fav\u011brov\u00e9ho \u00fa\u010dtu<\/strong><\/li>\n\n\n\n<li>poplatky za <strong>zpracov\u00e1n\u00ed odhadu<\/strong>&nbsp;<\/li>\n\n\n\n<li>platby <strong>za poji\u0161t\u011bn\u00ed<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Tedy \u010d\u00edm vy\u0161\u0161\u00ed RPSN, t\u00edm dra\u017e\u0161\u00ed \u00fav\u011br! Tak\u017ee ve fin\u00e1le i ta plak\u00e1tov\u00e1 sazba nemus\u00ed b\u00fdt ta nejv\u00fdhodn\u011bj\u0161\u00ed.<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-dosahnete-na-nejlepsi-podminky\"><strong>Dos\u00e1hn\u011bte na nejlep\u0161\u00ed podm\u00ednky<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Abyste dos\u00e1hli na skute\u010dn\u011b ty nejlep\u0161\u00ed podm\u00ednky, kter\u00e9 m\u016f\u017eete vzhledem ke sv\u00e9 situaci z\u00edskat, obra\u0165te se na <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\"><strong>hypote\u010dn\u00edho poradce<\/strong><\/a>. Ten pro v\u00e1s p\u0159iprav\u00ed srovn\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f ne na z\u00e1klad\u011b plak\u00e1tov\u00fdch \u010d\u00edsel, ale na z\u00e1klad\u011b \u00farok\u016f a cen, kter\u00e9 pot\u00e9 skute\u010dn\u011b budete platit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>V\u00fd\u0161i hypot\u00e9ky si m\u016f\u017eete v klidu spo\u010d\u00edtat i z domova, d\u00edky na\u0161\u00ed hypote\u010dn\u00ed kalkula\u010dce:<\/strong><\/p>\n\n\n\n<iframe src=\"https:\/\/www.fingo.cz\/banner\/mortgage\/version5\" frameborder=\"0\" allowfullscreen=\"\" width=\"90%\" height=\"728\" scrolling=\"1\" style=\"box-shadow: 0 0 10px gray; margin: 10px;\" name=\"banner2\" id=\"banner2\"><\/iframe>\n","protected":false},"excerpt":{"rendered":"<p>Kouk\u00e1te na reklamy? Uva\u017eujete o hypot\u00e9ce? \u0158\u00edk\u00e1te si, \u017ee byste cht\u011bli taky takovou dobrou \u00farokovou sazbu, kterou vid\u00edte v&nbsp;televizn\u00ed reklam\u011b nebo na v\u00e1s kouk\u00e1 z&nbsp;plak\u00e1tu? T\u00e9to sazby m\u016f\u017eete dos\u00e1hnout, ale v\u011bt\u0161inou p\u0159i spln\u011bn\u00ed hned n\u011bkolika podm\u00ednek. Jak\u00fdch konkr\u00e9tn\u011b? A je v\u016fbec v\u00fdhodn\u00e9 na tyto podm\u00ednky p\u0159istoupit? 1. Nechcete nev\u00fdhodn\u00e9 poji\u0161t\u011bn\u00ed \u00dav\u011brov\u00e9 poji\u0161t\u011bn\u00ed neboli \u201ePoji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet\u201c nab\u00edz\u00ed v&nbsp;r\u00e1mci sv\u00fdch bal\u00ed\u010dk\u016f v\u011bt\u0161ina bank a na prvn\u00ed pohled to m\u016f\u017ee vypadat v\u00fdhodn\u011b. D\u00e1vaj\u00ed v\u00e1m slevu z&nbsp;\u00farokov\u00e9 sazby hypot\u00e9ky, a pokud t\u0159eba onemocn\u00edte nebo se stanete invalidn\u00edm nebo ztrat\u00edte pr\u00e1ci, tak nab\u00edz\u00ed pomocnou ruku se spl\u00e1cen\u00edm. Ve skute\u010dnosti to tak v\u00fdhodn\u00e9 b\u00fdt nemus\u00ed. Za poji\u0161t\u011bn\u00ed zaplat\u00edte v\u00edce ne\u017e za slevu z&nbsp;\u00farokov\u00e9 sazby, poji\u0161t\u011bn\u00ed kryje jen n\u011bkter\u00e1 rizika, a nav\u00edc obmy\u0161lenou osobou \u010dasto b\u00fdv\u00e1 banka, kter\u00e1 ur\u010duje pravidla, kolik a kam bude z&nbsp;pojistn\u00e9 ud\u00e1losti vyplaceno pen\u011bz. Rozumn\u011bj\u0161\u00edm \u0159e\u0161en\u00edm je obvykle \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, kde si nastav\u00edte rizika dle sv\u00e9ho uv\u00e1\u017een\u00ed, ur\u010d\u00edte si sami v\u00fd\u0161i pojistn\u00fdch \u010d\u00e1stek a zvol\u00edte si obmy\u0161lenou osobu. TIP: P\u0159e\u010dt\u011bte si n\u00e1\u0161 \u010dl\u00e1nek Poji\u0161t\u011bn\u00ed k hypot\u00e9ce: Nedejte na banku. 2. Aktivn\u00ed \u00fa\u010det m\u00e1te u jin\u00e9 banky Abyste z\u00edskali slevu z&nbsp;\u00farokov\u00e9 sazby hypot\u00e9ky, tak v\u011bt\u0161ina bank po\u017eaduje zalo\u017een\u00ed b\u011b\u017en\u00e9ho \u00fa\u010dtu. Zaj\u00edmejte se ale o to, zda tento b\u011b\u017en\u00fd \u00fa\u010det je zdarma \u010di nikoliv. [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":629,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-628","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hypoteky"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>8 d\u016fvod\u016f, pro\u010d (asi) nedos\u00e1hnete na hypote\u010dn\u00ed sazby z plak\u00e1t\u016f - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Jakkoli vypadaj\u00ed sazby na plak\u00e1tech bank l\u00e1kav\u011b, drtiv\u00e1 v\u011bt\u0161ina \u017eadatel\u016f na n\u011b nedos\u00e1hne. 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