{"id":4927,"date":"2022-02-21T12:03:18","date_gmt":"2022-02-21T11:03:18","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=4927"},"modified":"2025-09-25T19:08:05","modified_gmt":"2025-09-25T17:08:05","slug":"pojisteni-k-hypotece","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2022\/02\/21\/pojisteni-k-hypotece\/","title":{"rendered":"Pro\u010d se vyplat\u00ed m\u00edt poji\u0161t\u011bn\u00ed k hypot\u00e9ce a jak si ho nastavit? M\u00e1me odpov\u011bdi"},"content":{"rendered":"

Hypot\u00e9ka dnes pro spoustu lid\u00ed p\u0159edstavuje spln\u011bn\u00fd sen o vlastn\u00edm bydlen\u00ed. Je to ale taky z\u00e1vazek na zbytek \u017eivota. Zajistili jste sv\u00e9 rodin\u011b st\u0159echu nad hlavou? Poji\u0161t\u011bn\u00ed k hypot\u00e9ce v\u00e1m zajist\u00ed, \u017ee o ni nep\u0159ijdete.<\/b><\/p>\n

Banka v\u00e1m nejsp\u00ed\u0161 k hypot\u00e9ce nab\u00eddne poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet, v\u011bt\u0161inou v\u00fdm\u011bnou za lep\u0161\u00ed \u00farokovou sazbu. Ale poji\u0161t\u011bn\u00edm hypot\u00e9ky byste m\u011bli p\u0159edev\u0161\u00edm zajistit svou rodinu, ne jen banku. Proto jsme u\u017e psali o <\/span>rozd\u00edlech mezi \u017eivotn\u00edm poji\u0161t\u011bn\u00edm a poji\u0161t\u011bn\u00edm hypot\u00e9ky<\/span><\/a>. Tentokr\u00e1t v\u00e1m porad\u00edme, jak si \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a> k hypot\u00e9ce spr\u00e1vn\u011b nastavit.<\/span><\/p>\n

Jak vybrat spr\u00e1vn\u00e9 poji\u0161t\u011bn\u00ed k hypot\u00e9ce<\/h2>\n

Schv\u00e1ln\u011b, kter\u00fd m\u011bs\u00ed\u010dn\u00ed v\u00fddaj z va\u0161eho rodinn\u00e9ho rozpo\u010dtu je nejv\u011bt\u0161\u00ed? Pokud m\u00e1te hypot\u00e9ku, je to nejsp\u00ed\u0161 pr\u00e1v\u011b jej\u00ed spl\u00e1tka. Proto je ze v\u0161eho nejd\u016fle\u017eit\u011bj\u0161\u00ed zajistit, \u017ee na to ka\u017ed\u00fd m\u011bs\u00edc budete m\u00edt. A to i v dob\u011b, kdy v\u00e1m p\u0159\u00edjem vypadne.<\/span><\/p>\n

V Mutumutu klient\u016fm doporu\u010dujeme, aby se pojistili na t\u0159i z\u00e1kladn\u00ed a nejd\u016fle\u017eit\u011bj\u0161\u00ed rizika, kter\u00e1 \u017eivot m\u016f\u017ee p\u0159in\u00e9st. V\u0161echna relevantn\u00ed poji\u0161t\u011bn\u00ed souvis\u00ed pr\u00e1v\u011b s <\/span>v\u00fdpadkem p\u0159\u00edjm\u016f<\/b>.<\/span><\/p>\n

Jsou to:
\n<\/span>\u25aa\ufe0f poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/a> (kv\u016fli dlouhodob\u00e9 nemoci nebo po \u00farazu)
\n<\/span>\u25aa\ufe0f poji\u0161t\u011bn\u00ed invalidity<\/a> (kv\u016fli dlouhodob\u00e9 nemoci nebo po \u00farazu)
\n<\/span>\u25aa\ufe0f poji\u0161t\u011bn\u00ed smrti<\/a> (kter\u00e9 sn\u00ed\u017e\u00ed celkov\u00e9 p\u0159\u00edjmy rodiny)<\/span><\/p>\n

Spo\u010d\u00edtat pojistn\u00e9<\/a><\/div><\/a><\/p>\n

Dob\u0159e, ale jak si to v\u0161echno pojistit?<\/h2>\n

M\u00e1te-li hypot\u00e9ku \u2013 a plat\u00ed to i pro jin\u00e9 \u00fav\u011bry \u2013, upravte sv\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed tak, abyste byli schopni d\u00e1l spl\u00e1cet \u00fav\u011br i p\u0159i invalidit\u011b nebo na nemocensk\u00e9.<\/span><\/p>\n

\u2705 Poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/b><\/h1>\n

Nastavte si ho tak, aby dorovnalo rozd\u00edl mezi va\u0161\u00ed v\u00fdplatou a nemocenskou. Tak\u017ee nebudete m\u00edt probl\u00e9m spl\u00e1cet \u00fav\u011br ani dal\u0161\u00ed v\u00fddaje, ani kdy\u017e budete stonat dva m\u011bs\u00edce. Nebo i d\u00e9le.<\/span><\/p>\n

\u2705 <\/b>Poji\u0161t\u011bn\u00ed invalidity s rentou<\/h1>\n

D\u00edky n\u011bmu budete po celou dobu invalidity dost\u00e1vat m\u011bs\u00ed\u010dn\u00ed rentu. Ta dopln\u00ed v\u00e1\u0161 invalidn\u00ed d\u016fchod \u2013 zase tak, abyste i nad\u00e1le dok\u00e1zali spl\u00e1cet spl\u00e1tky i v\u0161echny pot\u0159ebn\u00e9 v\u00fddaje.<\/span><\/p>\n

\u2705 <\/b>Poji\u0161t\u011bn\u00ed smrti s klesaj\u00edc\u00ed \u010d\u00e1stkou<\/h1>\n

Nejlep\u0161\u00ed volba v p\u0159\u00edpad\u011b, \u017ee \u017eiv\u00edte celou rodinu nebo sv\u00fdmi p\u0159\u00edjmy \u201ejenom\u201c p\u0159isp\u00edv\u00e1te do rodinn\u00e9ho rozpo\u010dtu. Pojistn\u00e1 \u010d\u00e1stka bude klesat podobn\u011b jako nesplacen\u00e1 jistina va\u0161\u00ed hypot\u00e9ky. D\u00edky tomu v\u00e1s poji\u0161t\u011bn\u00ed vyjde levn\u011bji a z\u00e1rove\u0148 budete m\u00edt jistotu, \u017ee va\u0161i bl\u00edzc\u00ed budou m\u00edt v\u017edy dostatek hotovosti na splacen\u00ed \u00fav\u011bru. V\u00e1s jim nikdo nevr\u00e1t\u00ed, ale aspo\u0148 budou m\u00edt jistou st\u0159echu nad hlavou.<\/span><\/p>\n

Co kdy\u017e nem\u00e1te rezervu?<\/b><\/h2>\n

V tom p\u0159\u00edpad\u011b doporu\u010dujeme doplnit pojistku je\u0161t\u011b o:<\/span><\/p>\n

\u25aa\ufe0f <\/span>poji\u0161t\u011bn\u00ed invalidity s konstantn\u00ed \u010d\u00e1stkou<\/b> \u2013 pom\u016f\u017ee v\u00e1m zaplatit v\u0161echny ne\u010dekan\u00e9 v\u00fddaje, kter\u00e9 s invaliditou souvisej\u00ed (invalidn\u00ed voz\u00edk, \u00faprava bydlen\u00ed, nov\u00e9 auto, rehabilitace, osobn\u00ed asistence apod.)<\/span><\/p>\n

\u25aa\ufe0f <\/span>poji\u0161t\u011bn\u00ed smrti s konstantn\u00ed \u010d\u00e1stkou<\/b> \u2013 minim\u00e1ln\u011b ve v\u00fd\u0161i 3 ro\u010dn\u00edch plat\u016f, ale ide\u00e1ln\u011b ve v\u00fd\u0161i tolika ro\u010dn\u00edch plat\u016f, kolik let zb\u00fdv\u00e1 va\u0161emu nejmlad\u0161\u00edmu d\u00edt\u011bti do dosp\u011blosti<\/span><\/p>\n

Jak konstantn\u00ed \u010d\u00e1stky spr\u00e1vn\u011b vypo\u010d\u00edtat, jsme radili v \u010dl\u00e1nku o <\/span>nastaven\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/span><\/a>.<\/span><\/p>\n

\u010c\u00edm se li\u0161\u00ed konstantn\u00ed a klesaj\u00edc\u00ed pojistn\u00e1 \u010d\u00e1stka?<\/h2>\n

Kdy\u017e se pojist\u00edte na <\/span>konstantn\u00ed \u010d\u00e1stku<\/b>, znamen\u00e1 to, \u017ee si na za\u010d\u00e1tku zvol\u00edte ur\u010ditou sumu a budete na ni poji\u0161t\u011bni celou dobu. Nen\u00ed rozd\u00edl mezi t\u00edm, kdy\u017e se v\u00e1m n\u011bco stane hned prvn\u00ed rok a kdy\u017e za dvacet let. Poji\u0161\u0165ovna v\u00e1m vyplat\u00ed v\u017edy tu stejnou sumu.<\/span><\/p>\n

Kdy\u017e si ale sjedn\u00e1te<\/span> poji\u0161t\u011bn\u00ed s<\/span> klesaj\u00edc\u00ed \u010d\u00e1stkou<\/b>, bude se v\u00fdplata v \u010dase m\u011bnit. Na zvolenou \u010d\u00e1stku budete poji\u0161t\u011bni jen v prvn\u00edm pojistn\u00e9m obdob\u00ed \u2013 to m\u016f\u017ee b\u00fdt nap\u0159\u00edklad m\u011bs\u00edc nebo rok. S ka\u017ed\u00fdm dal\u0161\u00edm m\u011bs\u00edcem (rokem) bude \u010d\u00e1stka klesat. Pojist\u00edte se nap\u0159\u00edklad na 10 let na milion korun. Kdy\u017e v\u00e1s potk\u00e1 ne\u0161t\u011bst\u00ed v prvn\u00edm roce, poji\u0161\u0165ovna v\u00e1m vyplat\u00ed cel\u00fd milion. V sedm\u00e9m roce u\u017e to bude jen 400 tis\u00edc.<\/span><\/p>\n\"klesaj\u00edc\u00ed\n


\nT\u00edm, \u017ee se pojistn\u00e1 \u010d\u00e1stka pravideln\u011b sni\u017euje, kles\u00e1 i z\u00e1vazek poji\u0161\u0165ovny, kter\u00fd v\u00e1m jako klientovi mus\u00ed vyplatit. A d\u00edky tomu <\/span>budete platit m\u00e9n\u011b na pojistn\u00e9m<\/b>. Jako poji\u0161t\u011bn\u00ed k hypot\u00e9ce je to ide\u00e1ln\u00ed. Vy nebo va\u0161e rodina v\u017edycky dostanete tolik, kolik bude pot\u0159eba.<\/span><\/p>\n

Rada na z\u00e1v\u011br<\/h2>\n

Z\u00edskat v dne\u0161n\u00ed dob\u011b hypot\u00e9ku vy\u017eaduje zna\u010dn\u00e9 vlastn\u00ed zdroje i \u00fasil\u00ed. \u010clov\u011bk tak nakonec m\u016f\u017ee poci\u0165ovat velk\u00fd vd\u011bk v\u016f\u010di sv\u00e9 bance. P\u0159esto myslete s poji\u0161t\u011bn\u00edm hypot\u00e9ky v\u00edc na sebe ne\u017e na banku. \u017divotn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 vyplat\u00ed pen\u00edze p\u0159\u00edmo v\u00e1m, je lep\u0161\u00ed ne\u017e bankopoji\u0161t\u011bn\u00ed, kter\u00e9 vypl\u00e1c\u00ed pln\u011bn\u00ed bance.<\/span><\/p>\n

\n

Mutumutu nov\u011b nab\u00edz\u00ed i poji\u0161t\u011bn\u00ed k \u00fav\u011bru. A je jedno, jestli hypote\u010dn\u00edmu, hotovostn\u00edmu, nebo spot\u0159ebitelsk\u00e9mu. Je jednoduch\u00e9, flexibiln\u00ed a levn\u011bj\u0161\u00ed. Nejste si jisti, jak ho nastavit? Na\u0161i odborn\u00edci v\u00e1m s t\u00edm r\u00e1di porad\u00ed.<\/i><\/b><\/p>\n

Zjistit o tom v\u00edc<\/a><\/div><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Hypot\u00e9ka dnes pro spoustu lid\u00ed p\u0159edstavuje spln\u011bn\u00fd sen o vlastn\u00edm bydlen\u00ed. Je to ale taky z\u00e1vazek na zbytek \u017eivota. Zajistili jste sv\u00e9 rodin\u011b st\u0159echu nad hlavou? Poji\u0161t\u011bn\u00ed k hypot\u00e9ce v\u00e1m zajist\u00ed, \u017ee o ni nep\u0159ijdete. Banka v\u00e1m nejsp\u00ed\u0161 k hypot\u00e9ce nab\u00eddne poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet, v\u011bt\u0161inou v\u00fdm\u011bnou za lep\u0161\u00ed \u00farokovou sazbu. Ale poji\u0161t\u011bn\u00edm hypot\u00e9ky byste m\u011bli …<\/p>\n","protected":false},"author":49,"featured_media":4930,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"class_list":["post-4927","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4927","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/users\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/comments?post=4927"}],"version-history":[{"count":20,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4927\/revisions"}],"predecessor-version":[{"id":5528,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4927\/revisions\/5528"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/4930"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=4927"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=4927"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=4927"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}