[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.fiver.sk\/ako-si-poistit-hypoteku-aby-nas-nic-neprekvapilo\/#Article","mainEntityOfPage":"https:\/\/www.fiver.sk\/ako-si-poistit-hypoteku-aby-nas-nic-neprekvapilo\/","headline":"Ako si poisti\u0165 hypot\u00e9ku aby n\u00e1s ni\u010d neprekvapilo","name":"Ako si poisti\u0165 hypot\u00e9ku aby n\u00e1s ni\u010d neprekvapilo","description":"Zabezpe\u010di\u0165 si vlastn\u00e9 b\u00fdvanie vlastn\u00fdmi finan\u010dn\u00fdmi prostriedkami nie je pre v\u00e4\u010d\u0161inu \u013eud\u00ed \u013eahk\u00e1 cesta. Z toho d\u00f4vodu je jedin\u00fdm rie\u0161en\u00edm ako naplni\u0165 svoj cie\u013e je vzia\u0165 si hypotek\u00e1rny \u00faver. Pojem hypot\u00e9ka netreba z\u013eah\u010dova\u0165 ale bra\u0165 ako bremeno ktor\u00e9 si \u010dlovek nesie 20 a\u017e 30 rokov \u010do je skoro cel\u00e1 \u010das\u0165 produkt\u00edvneho \u017eivota. Ka\u017ed\u00e1 banka si […]","datePublished":"2024-02-20","dateModified":"2024-02-20","author":{"@type":"Person","@id":"https:\/\/www.fiver.sk\/author\/#Person","name":"","url":"https:\/\/www.fiver.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ed80251b84ed676fcd71ef963d220ceeed5d461f9c4be55eee40f0fa01d17ef9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ed80251b84ed676fcd71ef963d220ceeed5d461f9c4be55eee40f0fa01d17ef9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"fiver.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.fiver.sk\/wp-content\/uploads\/img_a299418_w16565_t1555513118.jpg","url":"https:\/\/www.fiver.sk\/wp-content\/uploads\/img_a299418_w16565_t1555513118.jpg","height":0,"width":0},"url":"https:\/\/www.fiver.sk\/ako-si-poistit-hypoteku-aby-nas-nic-neprekvapilo\/","about":["Peniaze"],"wordCount":438,"articleBody":"Zabezpe\u010di\u0165 si vlastn\u00e9 b\u00fdvanie vlastn\u00fdmi finan\u010dn\u00fdmi prostriedkami nie je pre v\u00e4\u010d\u0161inu \u013eud\u00ed \u013eahk\u00e1 cesta. Z toho d\u00f4vodu je jedin\u00fdm rie\u0161en\u00edm ako naplni\u0165 svoj cie\u013e je vzia\u0165 si hypotek\u00e1rny \u00faver. Pojem hypot\u00e9ka netreba z\u013eah\u010dova\u0165 ale bra\u0165 ako bremeno ktor\u00e9 si \u010dlovek nesie 20 a\u017e 30 rokov \u010do je skoro cel\u00e1 \u010das\u0165 produkt\u00edvneho \u017eivota. Ka\u017ed\u00e1 banka si po\u017ei\u010dan\u00e9 peniaze chr\u00e1ni t\u00fdm \u017ee m\u00e1 z\u00e1lo\u017en\u00e9 pr\u00e1vo na nehnute\u013enos\u0165 na ktor\u00fa peniaze po\u017ei\u010dala.Ka\u017ed\u00fd klient ktor\u00fd si vzal hypot\u00e9ku m\u00e1 s istotou prepo\u010d\u00edtan\u00fa v\u00fd\u0161ku mesa\u010dnej spl\u00e1tky ktor\u00e1 je pre neho prijate\u013en\u00e1 a v\u00fdrazne neohroz\u00ed jeho rozpo\u010det. V \u017eivote v\u0161ak m\u00f4\u017eu nasta\u0165 udalosti ktor\u00e9 s\u00fa \u0165a\u017eko predv\u00eddate\u013en\u00e9 a ktor\u00e9 m\u00f4\u017eu v niektor\u00fdch pr\u00edpadoch ma\u0165 a\u017e fat\u00e1lne n\u00e1sledky pre dl\u017en\u00edka a tak isto i pre jeho najbli\u017e\u0161iu rodinu. Ak by platcu zastihla v\u00e1\u017enej\u0161ia choroba alebo uraz mohla by t\u00e1to udalos\u0165 na \u010das ochromi\u0165 plnenie finan\u010dn\u00fdch z\u00e1v\u00e4zkov. Jedn\u00fdm z rie\u0161en\u00ed ako si zabezpe\u010di\u0165 pokoj v du\u0161i je mo\u017enos\u0165 pripoisti\u0165 si hypot\u00e9ku na r\u00f4zne nepredv\u00eddate\u013en\u00e9 udalosti.Za najd\u00f4le\u017eitej\u0161ie poistn\u00e9 krytie sa pova\u017euje:\t\tPoistenie smrti – je to najd\u00f4le\u017eitej\u0161\u00ed sp\u00f4sob z\u00e1bezpeky a to najm\u00e4 vtedy ak m\u00e1me man\u017eelku\/man\u017eela alebo mal\u00e9 deti.\t\tTrval\u00e9 n\u00e1sledky \u00farazom – jedn\u00e1 sa o pomerne lacn\u00e9 ale pritom d\u00f4le\u017eit\u00e9 pripoistenie.\t\tPripoistenie pr\u00e1ceneschopnosti PN – pri v\u00fdbere tohto poistenia sa poistn\u00e1 suma odpor\u00fa\u010da na v\u00fd\u0161ku mesa\u010dnej spl\u00e1tky hypot\u00e9ky.\t\tKritick\u00e9 choroby – ide o s\u00fabor naj\u010dastej\u0161\u00edch v\u00e1\u017enych chor\u00f4b ktor\u00e9 m\u00f4\u017eu ma\u0165 za n\u00e1sledok v\u00fdpadok v spl\u00e1can\u00ed. Pri v\u00fdbere tohoto poistenia je d\u00f4le\u017eit\u00e9 zamera\u0165 sa na bal\u00edk chor\u00f4b ktor\u00e9 dan\u00e1 pois\u0165ov\u0148a pokr\u00fdva.\t\tInvalidn\u00fd d\u00f4chodok (invalidita) – Pri tomto poisten\u00ed je d\u00f4le\u017eit\u00e9 zamera\u0165 sa \u010di poistka pokr\u00fdva invaliditu aj pod 70 percent alebo iba nad 70 percent.\t\tNezamestnanos\u0165– Menej \u010dast\u00e9 poistenie no vie vykry\u0165 spl\u00e1tky v pr\u00edpade straty zamestnania.Je teda u\u017e na ka\u017edom hypot\u00e9kou zadl\u017eenom \u010dloveku \u010di sa rozhodne vyu\u017ei\u0165 ur\u010dit\u00fa formu z\u00e1bezpeky a ma\u0165 kludn\u00e9 svedomie aj za cenu \u017ee zaplat\u00ed nejak\u00e9 peniaze za spom\u00ednan\u00e9 slu\u017eby.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako si poisti\u0165 hypot\u00e9ku aby n\u00e1s ni\u010d neprekvapilo","item":"https:\/\/www.fiver.sk\/ako-si-poistit-hypoteku-aby-nas-nic-neprekvapilo\/#breadcrumbitem"}]}]