[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aebi.cz\/uver-je-financni-pomoci-ale-pozor-na-caste-chyby\/#Article","mainEntityOfPage":"https:\/\/www.aebi.cz\/uver-je-financni-pomoci-ale-pozor-na-caste-chyby\/","headline":"\u00dav\u011br je finan\u010dn\u00ed pomoc\u00ed, ale pozor na \u010dast\u00e9 chyby!","name":"\u00dav\u011br je finan\u010dn\u00ed pomoc\u00ed, ale pozor na \u010dast\u00e9 chyby!","description":"P\u0159\u00edslib \u00fav\u011bru v\u0161ak neznamen\u00e1 tot\u00e9\u017e jako schv\u00e1len\u00ed a podpis smlouvy o \u00fav\u011bru. Mnoz\u00ed se domn\u00edvaj\u00ed, \u017ee v\u00a0p\u0159\u00edpad\u011b p\u0159isl\u00edben\u00e9ho \u00fav\u011bru to znamen\u00e1, \u017ee jim finan\u010dn\u00ed instituce mus\u00ed \u00fav\u011br poskytnout.
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 Dnes je zcela re\u00e1ln\u00e9 doj\u00edt osobn\u011b na pobo\u010dku jak\u00e9koli finan\u010dn\u00ed instituce poskytuj\u00edc\u00ed \u00fav\u011bry. Stejn\u011b tak mnohdy lze prvn\u00ed kroky u\u010dinit online, tj. prost\u0159ednictv\u00edm internetu. Pro mnoh\u00e9… ","datePublished":"2017-03-20","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.aebi.cz\/author\/#Person","name":"aebi.cz\n","url":"https:\/\/www.aebi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"aebi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/aebi.cz\/wp-content\/uploads\/img_a310607_w2275_t1521577565.png","url":"https:\/\/aebi.cz\/wp-content\/uploads\/img_a310607_w2275_t1521577565.png","height":"","width":""},"url":"https:\/\/www.aebi.cz\/uver-je-financni-pomoci-ale-pozor-na-caste-chyby\/","about":["Neza\u0159azen\u00e9"],"wordCount":566,"articleBody":"P\u0159\u00edslib \u00fav\u011bru v\u0161ak neznamen\u00e1 tot\u00e9\u017e jako schv\u00e1len\u00ed a podpis smlouvy o \u00fav\u011bru. Mnoz\u00ed se domn\u00edvaj\u00ed, \u017ee v\u00a0p\u0159\u00edpad\u011b p\u0159isl\u00edben\u00e9ho \u00fav\u011bru to znamen\u00e1, \u017ee jim finan\u010dn\u00ed instituce mus\u00ed \u00fav\u011br poskytnout.
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Dnes je zcela re\u00e1ln\u00e9 doj\u00edt osobn\u011b na pobo\u010dku jak\u00e9koli finan\u010dn\u00ed instituce poskytuj\u00edc\u00ed \u00fav\u011bry. Stejn\u011b tak mnohdy lze prvn\u00ed kroky u\u010dinit online, tj. prost\u0159ednictv\u00edm internetu. Pro mnoh\u00e9 je potenci\u00e1ln\u011b v\u00fdhodn\u011bj\u0161\u00ed alternativou nebankovn\u00ed hypot\u00e9ka coby adekv\u00e1tn\u00ed \u0159e\u0161en\u00ed dle p\u0159edstavy
\u00a0Pozor na volbu doby fixace a \u00farokov\u00e9 sazby u hypote\u010dn\u00edho \u00fav\u011bru
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Jeden ze z\u00e1kladn\u00edch parametr\u016f v\u00a0r\u00e1mci hypote\u010dn\u00edho \u00fav\u011bru, kdy je v\u00fdb\u011br na klientovi, je tzv. fixace, tj. obdob\u00ed, po kter\u00e9 je finan\u010dn\u00ed spole\u010dnost\u00ed garantov\u00e1na \u00farokov\u00e1 sazba. V\u00a0n\u011bkter\u00fdch p\u0159\u00edpadech v\u00a0r\u00e1mci nab\u00eddky banky se lze setkat s\u00a0variabiln\u00ed \u00farokovou sazbou, kde nen\u00ed napevno stanoveno ur\u010dit\u00e9 obdob\u00ed, ale v\u0161e se m\u011bn\u00ed na z\u00e1klad\u011b tr\u017en\u00edch \u00farokov\u00fdch sazeb v\u00a0ekonomice.
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Co se t\u00fd\u010de sazeb fixovan\u00fdch na ur\u010ditou dobu nemus\u00ed b\u00fdt striktn\u011b d\u00e1no v\u017edy pravidlem, \u017ee sazby fixovan\u00e9 na krat\u0161\u00ed dobu jsou poka\u017ed\u00e9 ni\u017e\u0161\u00ed. P\u0159i tvorb\u011b \u00farok\u016f jsou finan\u010dn\u00ed subjekty ovlivn\u011bny cenou zdroje pro \u00fav\u011bry, ale t\u00e9\u017e se odv\u00edj\u00ed od konkurence a dan\u00e9ho p\u0159edpokladu.
\u00a0Hypot\u00e9ka s\u00a0nezbytn\u00fdm poji\u0161t\u011bn\u00edm?
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Zejm\u00e9na bankovn\u00ed spole\u010dnosti po\u017eaduj\u00ed, aby zastaven\u00e1 nemovitost byla poji\u0161t\u011bna proti \u017eiveln\u00e9 pohrom\u011b. T\u00edmto se tak pot\u00e9 jedn\u00e1 o poji\u0161t\u011bn\u00ed nemovitosti. Sjednan\u00e1 pojistka by m\u011bla obvykle odpov\u00eddat minim\u00e1ln\u011b v\u00fd\u0161i poskytnut\u00e9ho hypote\u010dn\u00edho \u00fav\u011bru.
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V\u00a0p\u0159\u00edpad\u011b \u017eivotn\u00edho poji\u0161t\u011bn\u00ed se jedn\u00e1 o odli\u0161en\u00ed dvou variant ve spojen\u00ed s\u00a0\u00fav\u011brem, kdy se jedn\u00e1 o poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti, nemoci, ztr\u00e1ty zam\u011bstn\u00e1n\u00ed \u010di trval\u00e9 invalidity. V\u00a0tomto p\u0159\u00edpad\u011b je v\u00a0pojistn\u00e9m placeno jen potenci\u00e1ln\u00ed riziko, nejedn\u00e1 se o \u017e\u00e1dn\u00e9 spo\u0159en\u00ed. Av\u0161ak v\u00a0p\u0159\u00edpad\u011b druh\u00e9 volby pro kapit\u00e1lov\u00e9 poji\u0161t\u011bn\u00ed, tj. typ hypot\u00e9ky s\u00a0odkladem na spl\u00e1tky jistiny. Zde se jedn\u00e1 o povinn\u00fd druh poji\u0161t\u011bn\u00ed, nicm\u00e9n\u011b v\u017edy je re\u00e1ln\u00e1 volba po\u017e\u00e1d\u00e1n\u00ed o jin\u00fd typ \u00fav\u011bru. Zde krom\u011b poji\u0161t\u011bn\u00ed rizika doch\u00e1z\u00ed i ke spo\u0159en\u00ed. Bance jsou hrazeny jen \u00faroky z\u00a0\u00fav\u011bru.
\u00a0\u00dav\u011brov\u00e1 smlouva aneb pozornost p\u0159i \u010dten\u00ed!
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Nej\u010dast\u011bj\u0161\u00ed chybou je podpis smlouvy bez n\u00e1le\u017eit\u00e9ho pro\u010dten\u00ed. Je hned n\u011bkolik z\u00e1sadn\u00edch d\u016fvod\u016f, pro\u010d \u010d\u00edst smlouvu p\u0159ed podpisem. M\u016f\u017ee nastat chyba i na stran\u011b finan\u010dn\u00ed instituce, kdy omylem lze uv\u00e9st nepravdiv\u00fd \u00fadaj, p\u0159eklep apod. V\u017edy je d\u016fle\u017eit\u00e1 kontrola uveden\u00fdch osobn\u00edch \u00fadaj\u016f. Stejn\u011b tak je zapot\u0159eb\u00ed si p\u0159e\u010d\u00edst smlouvu p\u0159ed samotn\u00fdm podpisem ohledn\u011b obchodn\u00edch podm\u00ednek. Obchodn\u00ed podm\u00ednky vy\u017eaduj\u00ed zv\u00fd\u0161enou pozornost ze strany klienta. Mnohdy se st\u00e1v\u00e1, \u017ee instituce d\u00e1vaj\u00ed do podm\u00ednek i \u010derp\u00e1n\u00ed \u00fav\u011bru, co\u017e znamen\u00e1, \u017ee klient m\u016f\u017ee m\u00edt smlouvu, ale \u00fav\u011br neobdr\u017e\u00ed, dokud nespln\u00ed dal\u0161\u00ed podm\u00ednky.                                                                                                                                                                                                                                                                                                                                                                                        4.7\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u00dav\u011br je finan\u010dn\u00ed pomoc\u00ed, ale pozor na \u010dast\u00e9 chyby!","item":"https:\/\/www.aebi.cz\/uver-je-financni-pomoci-ale-pozor-na-caste-chyby\/#breadcrumbitem"}]}]