{"id":1653,"date":"2019-11-26T19:34:58","date_gmt":"2019-11-26T18:34:58","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=1653"},"modified":"2019-11-27T09:12:50","modified_gmt":"2019-11-27T08:12:50","slug":"preco-mat-financneho-sprostredkovatela","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/preco-mat-financneho-sprostredkovatela\/","title":{"rendered":"5 extra d\u00f4vodov, pre\u010do ma\u0165 finan\u010dn\u00e9ho sprostredkovate\u013ea"},"content":{"rendered":"

V\u00a0oblasti osobn\u00fdch financi\u00ed sa st\u00e1le viac Slov\u00e1kov obracia na finan\u010dn\u00fdch sprostredkovate\u013eov. \u0160etria n\u00e1m \u010das str\u00e1ven\u00fd vybavova\u010dkami v\u00a0bank\u00e1ch \u010di pois\u0165ovniach a h\u013eadaj\u00fa pre n\u00e1s najv\u00fdhodnej\u0161ie finan\u010dn\u00e9 rie\u0161enia, no po podpise hypot\u00e9ky \u010di poistky sa ich pr\u00e1ca nekon\u010d\u00ed a o na\u0161e produkty sa staraj\u00fa \u010falej. Str\u00e1\u017eia d\u00f4le\u017eit\u00e9 term\u00edny, zmeny podmienok, kontroluj\u00fa v\u00fdhodnos\u0165 produktov aj o rok alebo ke\u010f sa na\u0161a finan\u010dn\u00e1 situ\u00e1cia zmen\u00ed. Kvalitn\u00fd makl\u00e9r v\u00e1m porad\u00ed aj pri poistnej udalosti a d\u00e1 sa poveda\u0165, \u017ee sa vie postara\u0165 o lep\u0161ie <\/b>finan\u010dn\u00e9 zdravie a pohodlie<\/b><\/a>\u00a0va\u0161ej rodiny.\u00a0\u00a0<\/b><\/p>\n

Ka\u017ed\u00fd \u010dlovek chce, aby mal\u00a0<\/span>finan\u010dn\u00e9 produkty<\/span><\/a>, ktor\u00e9 s\u00fa v\u00a0prvom rade kvalitn\u00e9, cenovo v\u00fdhodn\u00e9 a aby sp\u013a\u0148ali jeho aktu\u00e1lne potreby. Podobne ako lek\u00e1r, aj finan\u010dn\u00fd sprostredkovate\u013e sa star\u00e1 o\u00a0va\u0161e zdravie, ale o to finan\u010dn\u00e9. Sleduje aktu\u00e1lne dianie na trhu,<\/span> m\u00e1 preh\u013ead o\u00a0novink\u00e1ch a trendoch, aj o zmen\u00e1ch v\u00a0poplatkoch \u010di v\u00a0podmienkach<\/b> jednotliv\u00fdch produktov. <\/span><\/p>\n

\u201e\u00dalohou finan\u010dn\u00e9ho sprostredkovate\u013ea nie je len to, aby klientovi odporu\u010dil a\u00a0vybavil najv\u00fdhodnej\u0161iu hypot\u00e9ku, \u017eivotn\u00e9 poistenie alebo investi\u010dn\u00fd produkt. Priebe\u017ene kontroluje aj aktu\u00e1lnos\u0165 va\u0161ich zml\u00fav, aby boli pre v\u00e1s st\u00e1le v\u00fdhodn\u00e9. Jednoducho, <\/span><\/i>star\u00e1 sa o\u00a0va\u0161e finan\u010dn\u00e9 pohodlie, a\u00a0\u0161etr\u00ed tak nielen v\u00e1\u0161 \u010das, ale ve\u013eakr\u00e1t aj peniaze,\u201c<\/i><\/b> vysvet\u013euje Martin Bittara, \u0161\u00e9f Kontaktn\u00e9ho centra vo finan\u010dno-sprostredkovate\u013eskej spolo\u010dnosti FinGO.sk.<\/span><\/p>\n

Spokojnos\u0165 klienta a referencie\u00a0\u00a0<\/b><\/span><\/h3>\n

Aj preto je ve\u013emi d\u00f4le\u017eit\u00e9 vybra\u0165 si sol\u00eddneho \u010dloveka a odborn\u00edka na financie, na ktor\u00e9ho sa m\u00f4\u017eete spo\u013eahn\u00fa\u0165 a\u00a0d\u00f4verova\u0165 mu. Niekto si mo\u017eno mysl\u00ed, \u017ee makl\u00e9r rob\u00ed svoju pr\u00e1cu len kv\u00f4li prov\u00edzii, no nie je to tak. Jeho cie\u013eom je v prvom rade spokojnos\u0165 klienta a pozit\u00edvne hodnotenie, ktor\u00e9 mu m\u00f4\u017ee prinies\u0165 nov\u00fdch klientov z okruhu jeho zn\u00e1mych.<\/span> <\/i><\/p>\n

\u201eNa\u0161i makl\u00e9ri oce\u0148uj\u00fa ka\u017ed\u00fa <\/span><\/i>pozit\u00edvnu sp\u00e4tn\u00fa v\u00e4zbu a referencie od klientov<\/span><\/i><\/a>, ktor\u00e9 im pom\u00e1haj\u00fa pri\u00a0ich \u010fal\u0161ej pr\u00e1ci. FinGO.sk z\u00e1rove\u0148 kontroluje a str\u00e1\u017ei kvalitu svojich makl\u00e9rov. Komplexnos\u0165 slu\u017eieb, f\u00e9rovos\u0165 a r\u00fdchlos\u0165, ale najm\u00e4 spokojnos\u0165 klienta je u n\u00e1s na prvom mieste,\u201c<\/span><\/i> hovor\u00ed Martin Bittara.<\/span><\/p>\n

Pre\u010d\u00edtajte si <\/span>p\u00e4\u0165 praktick\u00fdch d\u00f4vodov<\/b>, pri ktor\u00fdch si mo\u017eno aj vy uvedom\u00edte, \u017ee finan\u010dn\u00fd sprostredkovate\u013e nie je len na par\u00e1du. Jeho pr\u00e1ca pokra\u010duje aj po podpise zmluvy k\u00a0va\u0161ej hypot\u00e9ke alebo poistke nehnute\u013enosti…<\/span><\/p>\n

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1. Pom\u00f4\u017ee pri poistn\u00fdch udalostiach<\/b><\/span><\/p>\n

Predstavte si, \u017ee sa v\u00e1m stane ak\u00e1ko\u013evek <\/span>poistn\u00e1 udalos\u0165<\/span><\/a> v\u00a0oblasti \u017eivotn\u00e9ho alebo ne\u017eivotn\u00e9ho poistenia. Po pred\u013a\u017eenom v\u00edkende sa vr\u00e1tite domov a zist\u00edte, \u017ee m\u00e1te vytopen\u00fa k\u00fape\u013e\u0148u. Alebo r\u00e1no cestou do pr\u00e1ce zist\u00edte, \u017ee v\u00e1m z auta ukradli notebook, pr\u00edpadne na ly\u017eova\u010dke kv\u00f4li va\u0161ej nepozornosti zraz\u00edte ly\u017eiara, ktor\u00fd skon\u010d\u00ed so zlomenou nohou v nemocnici. \u010co ako prv\u00e9 urob\u00edte? Vol\u00e1te v z\u00e1vislosti od situ\u00e1cie sanitku, policajtov alebo po\u017eiarnikov, a\u00a0v\u00a0tomto momente sa m\u00f4\u017eete <\/span>hne\u010f obr\u00e1ti\u0165 aj na svojho finan\u010dn\u00e9ho sprostredkovate\u013ea<\/b>.\u00a0<\/span><\/p>\n

Po prv\u00e9, v\u010faka nemu hne\u010f zist\u00edte, \u010di va\u0161a poistka v\u00f4bec kryje situ\u00e1ciu, ktor\u00e1 sa v\u00e1m stala. Ale \u010do je e\u0161te d\u00f4le\u017eitej\u0161ie, e\u0161te predt\u00fdm ako za\u010dnete poistn\u00fa udalos\u0165 rie\u0161i\u0165 s pois\u0165ov\u0148ou, makl\u00e9r v\u00e1m <\/span>porad\u00ed, ako s\u00a0pois\u0165ov\u0148ou komunikova\u0165 a\u00a0ak\u00fdm chyb\u00e1m sa vyhn\u00fa\u0165 <\/b>pri \u017eiadosti o\u00a0poistn\u00e9 plnenie. <\/span>\u201eSprostredkovate\u013e v\u00e1m porad\u00ed aj to, kedy m\u00f4\u017eete od pois\u0165ovne \u017eiada\u0165 n\u00e1hradu. Napr\u00edklad v\u00a0pr\u00edpade poistenej PN-ky tak mus\u00edte urobi\u0165 bezodkladne a niektor\u00e9 pois\u0165ovne v\u00e1m dokonca daj\u00fa bonus za skor\u00e9 ohl\u00e1senie poistnej udalosti. V pr\u00edpade trval\u00fdch n\u00e1sledkov \u00farazu v\u0161ak m\u00f4\u017eete po\u017eiada\u0165 o plnenie aj 2 roky od \u00farazu,\u201c<\/span><\/i> vysvet\u013euje Martin Bittara z FinGO.sk.\u00a0<\/span><\/p>\n

Pri kr\u00e1de\u017ei vec\u00ed z\u00a0auta je pre pois\u0165ov\u0148u rozdiel, \u010di ste mali<\/span> notebook alebo mobil odlo\u017een\u00fd v\u00a0kufri, alebo len na zadnom sedadle<\/b> auta. <\/span>Rovnako je d\u00f4le\u017eit\u00e9 vedie\u0165, \u017ee ak ste sa vytopili a boli ste dlh\u0161ie pre\u010d, napr\u00edklad na t\u00fd\u017edennej dovolenke pri mori, niektor\u00e9 pois\u0165ovne v\u00e1m m\u00f4\u017eu kr\u00e1ti\u0165 plnenie, ak ste si pred odchodom neuzavreli hlavn\u00fd pr\u00edvod vody. <\/span>\u201eTak\u00fdchto pr\u00edkladov je mnoho a\u00a0finan\u010dn\u00fd sprostredkovate\u013e m\u00e1 preh\u013ead o<\/span><\/i>\u00a0v\u00fdnimk\u00e1ch aj podmienkach, ktor\u00e9 s\u00fa v\u00a0jednotliv\u00fdch pois\u0165ovniach \u010dast\u00e9<\/i><\/b>. Aj preto je vhodn\u00e9 radi\u0165 sa s\u00a0makl\u00e9rom u\u017e pred v\u00fdberom poistenia a\u00a0konkr\u00e9tnej pois\u0165ovne,\u201c<\/span><\/i> dod\u00e1va odborn\u00edk.\u00a0<\/span><\/p>\n

2. Str\u00e1\u017ei d\u00f4le\u017eit\u00e9 term\u00edny a\u00a0v\u00fdro\u010dia\u00a0<\/b><\/span><\/h3>\n

Po podpise hypot\u00e9ky<\/span><\/a> sa pr\u00e1ca makl\u00e9ra nekon\u010d\u00ed. On je tou osobou, ktor\u00e1 sleduje d\u00f4le\u017eit\u00e9 d\u00e1tumy ako je napr\u00edklad <\/span>v\u00fdro\u010die fix\u00e1cie na \u00favere na b\u00fdvanie<\/b>. <\/span>\u201eKlienti m\u00f4\u017eu pod\u013ea z\u00e1kona urobi\u0165 na svojej hypot\u00e9ke raz za rok mimoriadnu spl\u00e1tku \u00faveru vo v\u00fd\u0161ke maxim\u00e1lne 20 % z\u00a0istiny \u00faveru. Ale niektor\u00e9 banky pon\u00fakaj\u00fa mo\u017enos\u0165 prida\u0165 k tejto sume aj \u010fal\u0161ie percent\u00e1, \u010di\u017ee klient m\u00f4\u017ee splati\u0165 aj 40 % z istiny \u00faveru ro\u010dne,\u201d<\/span><\/i> upozor\u0148uje Martin Bittara. O\u00a0tejto mo\u017enosti napr\u00edklad ve\u013ea klientov v\u00f4bec netu\u0161\u00ed.\u00a0\u00a0<\/span><\/p>\n

Sprostredkovate\u013e porad\u00ed aj to, \u010di sa v\u00e1m na hypot\u00e9ke oplatia <\/span>mimoriadne spl\u00e1tky<\/span><\/a>. Ak m\u00e1te na \u00favere extra n\u00edzky \u00farok, s\u00fa to najlacnej\u0161ie po\u017ei\u010dan\u00e9 peniaze, a\u00a0tak sa na\u00a0<\/span>mimoriadne vklady oplat\u00ed po\u010dka\u0165 na obdobie, ke\u010f bud\u00fa \u00faroky r\u00e1s\u0165<\/b>. <\/span>\u201e\u010ci chceme alebo nie, zvy\u0161ovaniu \u00farokov na hypot\u00e9kach sa v bud\u00facnosti nevyhneme. Potom ke\u010f st\u00fapnu o\u00a02 \u010di 3 percent\u00e1, bude ten spr\u00e1vny \u010das na pred\u010dasn\u00e9 splatenie \u00faveru,\u201c<\/span><\/i> vysvet\u013euje odborn\u00edk na financie. Vtedy v\u00e1m makl\u00e9r porad\u00ed aj to, z\u00a0ktor\u00e9ho sporenia vytiahnu\u0165 peniaze. Na pred\u010dasn\u00e9 splatenie \u00faveru sa treba pripravi\u0165 a\u00a0je \u00falohou poradcu, aby v\u00e1m u\u017e po podpise hypot\u00e9ky nastavil spr\u00e1vny investi\u010dn\u00fd produkt s\u00a0t\u00fdmto z\u00e1merom.<\/span><\/p>\n

EXTRA TIP:<\/b> Ak spl\u00e1cate star\u0161iu hypot\u00e9ku s menej v\u00fdhodn\u00fdm \u00farokom, v\u00e1\u0161 poradca v\u00e1m ju m\u00f4\u017ee pom\u00f4c\u0165 refinancova\u0165 – teda prenies\u0165 do inej banky aj mimo v\u00fdro\u010dia fix\u00e1cie. Niektor\u00e9 banky toti\u017e prepl\u00e1caj\u00fa poplatok za pred\u010dasn\u00e9 splatenie \u00faveru, aby k sebe pril\u00e1kali nov\u00fdch klientov z in\u00fdch b\u00e1nk. Finan\u010dn\u00fd sprostredkovate\u013e vie, ktor\u00e9 banky to robia a z\u00e1rove\u0148 porad\u00ed, \u010di sa v\u00e1m refinancovanie \u00faveru oplat\u00ed. <\/span><\/p>\n

Pr\u00edklad<\/b>: Ak by ste si refinancovali hypot\u00e9ku vo v\u00fd\u0161ke 100 000 eur so splatnos\u0165ou 20 rokov, na ktorej m\u00e1te \u00farok 1,5 % napr\u00edklad za hypot\u00e9ku s nov\u00fdm \u00farokom 0,6 %, u\u0161etr\u00edte na preplaten\u00ed \u00faveru takmer 10 000 eur. A to je u\u017e cena poriadnej dovolenky alebo aj men\u0161ieho auta :).\u00a0<\/span><\/p><\/blockquote>\n

Str\u00e1\u017eenie term\u00ednov sa t\u00fdka aj sporiacich produktov, aby ste vedeli napr\u00edklad to, kedy z\u00a0nich m\u00f4\u017eete vytiahnu\u0165 peniaze a\u00a0<\/span>neplati\u0165 pritom vysok\u00fd poplatok<\/b>. Makl\u00e9r v\u00e1m m\u00f4\u017ee poradi\u0165 aj to, aby ste v\u00a0banke po\u017eiadali o<\/span>\u00a0zn\u00ed\u017eenie \u00faroku na va\u0161om spotrebnom \u00favere<\/b>, lebo aj t\u00e1to mo\u017enos\u0165 existuje. Pr\u00edkladov, ako m\u00f4\u017ee by\u0165 sprostredkovate\u013e v\u00a0tomto prospe\u0161n\u00fd, je op\u00e4\u0165 viac.<\/span><\/p>\n

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3. Kontroluje v\u00fdhodnos\u0165 star\u0161\u00edch zml\u00fav<\/b><\/span><\/h3>\n

Tak ako vo svojich \u00fa\u010dtoch, aj v zmluv\u00e1ch k finan\u010dn\u00fdm produktom si treba <\/span>raz za \u010das uprata\u0165<\/span><\/a>. <\/span>\u201cAj v tomto v\u00e1m pom\u00f4\u017ee sprostredkovate\u013e, ktor\u00fd priebe\u017ene kontroluje aktu\u00e1lnos\u0165 va\u0161ich \u00fadajov na zmluv\u00e1ch, v\u00fdhodnos\u0165 podmienok ako aj to, \u010di zvolen\u00e9 parametre produktu st\u00e1le vyhovuj\u00fa va\u0161ej aktu\u00e1lnej situ\u00e1cii. Za kontrolu va\u0161ich zml\u00fav makl\u00e9rovi ni\u010d neplat\u00edte, pritom v\u010faka nej <\/span><\/i>m\u00f4\u017eete v rodinnom rozpo\u010dte u\u0161etri\u0165<\/i><\/b> desiatky, v niektor\u00fdch pr\u00edpadoch aj stovky eur mesa\u010dne, najm\u00e4 pri \u00faveroch,\u201d<\/span><\/i> opisuje Martin Bittara.\u00a0<\/span><\/p>\n

Ale nielen finan\u010dn\u00e1 \u00faspora je d\u00f4le\u017eit\u00e1. <\/span>Ak m\u00e1te napr\u00edklad star\u0161iu \u017eivotn\u00fa poistku<\/b> spred nieko\u013ek\u00fdch rokov, m\u00f4\u017ee sa pokojne sta\u0165, \u017ee v\u00e1m v pr\u00edpade v\u00e1\u017enej choroby alebo \u00farazu v s\u00fa\u010dasnosti v\u00f4bec nepom\u00f4\u017ee, alebo v\u00e1m pois\u0165ov\u0148a vyplat\u00ed menej pe\u0148az\u00ed ako re\u00e1lne potrebujete. Ani stavebn\u00e9 sporenie u\u017e nie je tak\u00e9 v\u00fdhodn\u00e9 ako b\u00fdvalo a mo\u017eno zbyto\u010dne str\u00e1cate peniaze aj v d\u00f4chodkovom II. pilieri.<\/span><\/p>\n

Uvedomte si, \u017ee situ\u00e1cia na finan\u010dnom trhu sa men\u00ed, <\/span>banky aj pois\u0165ovne svoje produkty prisp\u00f4sobuj\u00fa potreb\u00e1m klientov <\/b>a z\u00e1rove\u0148 sa men\u00ed aj va\u0161a \u017eivotn\u00e1 situ\u00e1cia, ktor\u00e1 ovplyv\u0148uje v\u00fdhodnos\u0165 va\u0161ich zvolen\u00fdch podmienok napr\u00edklad na \u017eivotnej poistke alebo na sporen\u00ed. <\/span>Nechcete predsa plati\u0165 za nie\u010do, \u010do nepotrebujete alebo \u010do u\u017e nie je tak\u00e9 v\u00fdhodn\u00e9 ako kedysi.\u00a0<\/b><\/p>\n

4. Mysl\u00ed na v\u00e1\u0161 lep\u0161\u00ed d\u00f4chodok<\/b><\/span><\/h3>\n

Ka\u017ed\u00fd z n\u00e1s sa chce ma\u0165 na star\u00e9 kolen\u00e1 dobre. Povedzme si \u00faprimne, zo \u0161t\u00e1tneho d\u00f4chodku si toho ve\u013ea neu\u017eijeme \u2013 ale, mohli by ste si u\u017ei\u0165 viac ako si mo\u017eno mysl\u00edte. Finan\u010dn\u00fd sprostredkovate\u013e automaticky prehodnot\u00ed aj v\u00e1\u0161 druh\u00fd pilier d\u00f4chodkov\u00e9ho sporenia, ktor\u00fd v\u00e1s ni\u010d nestoj\u00ed, lebo sa do\u0148ho odv\u00e1dzaj\u00fa povinn\u00e9 odvody. Len\u017ee <\/span>je d\u00f4le\u017eit\u00e9, do ak\u00fdch fondov va\u0161e odvody odch\u00e1dzaj\u00fa<\/b>.<\/span><\/p>\n

V\u00e4\u010d\u0161ina Slov\u00e1kov m\u00e1 toti\u017e v\u00a0II. d\u00f4chodkovom pilieri <\/span>nespr\u00e1vne nastaven\u00e9 fondy<\/span><\/a>. Vl\u00e1da v roku 2013 prehodila \u00faspory \u013eud\u00ed do garantovan\u00e9ho fondu, a tak sporitelia pri\u0161li o ve\u013ek\u00e9 v\u00fdnosy. Mnoho \u013eud\u00ed si tento fond ponechalo, lebo si ani nev\u0161imli, \u017ee sa t\u00e1to zmena udiala, a tak<\/span> nevedia, \u017ee v s\u00fa\u010dasnosti ich v\u00fdnosy trpia. <\/b>Peniaze z\u00a0ich odvodov sa v garantovanom fonde zhodnocuj\u00fa ve\u013emi slabo, niektor\u00e9 nezar\u00e1baj\u00fa v\u00f4bec a\u00a0ich \u00faro\u010denie v\u00a0s\u00fa\u010dasnosti neprekon\u00e1 ani<\/span> infl\u00e1ciu<\/span><\/a>.\u00a0<\/span><\/p>\n

Znie to neuverite\u013ene, ale <\/span>spr\u00e1vne zvolen\u00fd fond v\u00a0d\u00f4chodkovom pilieri<\/span><\/a> m\u00f4\u017ee v\u00e1\u0161 <\/span>d\u00f4chodok nielen zdvojn\u00e1sobi\u0165, ale rozdiel vo fin\u00e1le m\u00f4\u017ee by\u0165 pokojne dokonca aj p\u00e4\u0165n\u00e1sobne vy\u0161\u0161\u00ed<\/b>. T\u00fdka sa to najm\u00e4 \u013eud\u00ed, ktor\u00fdm do d\u00f4chodku ost\u00e1va viac ako 15 rokov. Je ve\u013emi d\u00f4le\u017eit\u00e9, aby svoje odvody smerovali do indexov\u00fdch alebo akciov\u00fdch fondov, ktor\u00e9 s\u00edce podliehaj\u00fa v\u00e4\u010d\u0161\u00edm v\u00fdkyvom, ale v dlhodobom horizonte maj\u00fa v priemere a\u017e 5-n\u00e1sobne vy\u0161\u0161\u00ed v\u00fdnos.<\/span><\/p>\n

\"\"<\/p>\n

5. Star\u00e1 sa o va\u0161u bud\u00facnos\u0165 a\u00a0pl\u00e1nuje vopred<\/b><\/span><\/h3>\n

Ak\u00e9 s\u00fa va\u0161e finan\u010dn\u00e9 pl\u00e1ny na \u010fal\u0161\u00edch 10 \u010di 25 rokov? Ko\u013eko by ste chceli naspori\u0165 svojim de\u0165om na \u0161tart do dospelosti a ako si predstavujete svoj d\u00f4chodok? Sprostredkovate\u013e\u00a0rie\u0161i va\u0161e finan\u010dn\u00e9 potreby komplexne. <\/span>D\u00f4kladne zanalyzuje v\u00e1\u0161 rodinn\u00fd rozpo\u010det, p\u00fdta sa na va\u0161e\u00a0pl\u00e1ny<\/b>, a tomu prisp\u00f4sobuje aj v\u00fdber a \u0161trukt\u00faru va\u0161ich finan\u010dn\u00fdch produktov.\u00a0<\/span><\/p>\n

Kvalitn\u00e9mu makl\u00e9rovi z\u00e1le\u017e\u00ed na tom, aby bolo va\u0161e finan\u010dn\u00e9 rie\u0161enie v\u00fdhodn\u00e9 aj s\u00a0oh\u013eadom na va\u0161e pl\u00e1ny do bud\u00facna. <\/span>Mysl\u00ed na nieko\u013eko rokov dopredu<\/b>, a\u00a0tak v\u010faka nemu aj vy viac prem\u00fd\u0161\u013eate nad svojou finan\u010dnou bud\u00facnos\u0165ou.<\/span><\/p>\n

Mimochodom, aj z\u00a0praktick\u00e9ho h\u013eadiska je v\u00fdhodn\u00e9, ak v\u00e1m\u00a0<\/span>rodinn\u00e9 financie spravuje jeden \u010dlovek. <\/b>M\u00f4\u017eete ma\u0165 viac produktov v r\u00f4znych in\u0161tit\u00faci\u00e1ch, ale spravovan\u00e9 bud\u00fa na jednom mieste, jedn\u00fdm \u010dlovekom, ktor\u00fd\u00a0ich bude ma\u0165 takpovediac \u201epod palcom\u201c. Na v\u00e1\u0161ho sprostredkovate\u013ea sa navy\u0161e m\u00f4\u017eete obr\u00e1ti\u0165 kedyko\u013evek, aj de\u0148 pred dovolenkou ke\u010f h\u013ead\u00e1te cestovn\u00e9 poistenie alebo<\/span> pri mimoriadnych okolnostiach<\/b> ako je n\u00e1hla zmena \u017eivotnej situ\u00e1cie v\u00a0rodine, alebo pri poistnej udalosti.\u00a0<\/span><\/p>\n

Prajeme v\u00e1m finan\u010dn\u00e9 zdravie na dlh\u00e9 roky\u00a0<\/b><\/span><\/h3>\n

Na spolo\u010dnosti FinGO.sk klienti oce\u0148uj\u00fa <\/span>komplexnos\u0165, r\u00fdchlos\u0165 a\u00a0kvalitu poskytovania finan\u010dn\u00fdch slu\u017eieb.<\/b> Na\u0161i makl\u00e9ri v\u00e1m bezplatne skontroluj\u00fa aj star\u0161ie finan\u010dn\u00e9 zmluvy a\u00a0s\u00fa na telef\u00f3ne aj pri poistn\u00fdch udalostiach. Pobo\u010dky m\u00e1me na celom Slovensku, ale m\u00f4\u017eete sa s nami spoji\u0165 aj <\/span>prostredn\u00edctvom call centra na \u010d\u00edsle 0800 60 10 60<\/b>, alebo n\u00e1m <\/span>zanechajte va\u0161e \u00fadaje<\/span><\/a> a\u00a0my sa v\u00e1m ozveme.\u00a0<\/span><\/p>\n

Spolupr\u00e1ca s\u00a0finan\u010dn\u00fdm sprostredkovate\u013eom je <\/span>pre v\u00e1s bezplatn\u00e1, ale m\u00f4\u017ee v\u00e1m prinies\u0165 <\/b>mno\u017estvo v\u00fdhod<\/b>.<\/span><\/a> \u201eKvalitn\u00fd a\u00a0profesion\u00e1lny finan\u010dn\u00fd sprostredkovate\u013e bude va\u0161im finan\u010dn\u00fdm partnerom na nieko\u013eko rokov. Chce si s\u00a0vami vybudova\u0165 dlhodob\u00fd vz\u0165ah zalo\u017een\u00fd na d\u00f4vere, preto je jeho v\u00fdber naozaj ve\u013emi d\u00f4le\u017eit\u00fd,\u201c <\/span><\/i>uzatv\u00e1ra Martin Bittara z finan\u010dno-sprostredkovate\u013eskej spolo\u010dnosti\u00a0FinGO.sk. Prajeme v\u00e1m, aby ste\u00a0na\u0161li spo\u013eahliv\u00e9ho odborn\u00edka,\u00a0ktor\u00fd sa postar\u00e1 o\u00a0va\u0161e finan\u010dn\u00e9 zdravie a\u00a0pohodlie\u00a0k\u00a0va\u0161ej spokojnosti.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

V\u00a0oblasti osobn\u00fdch financi\u00ed sa st\u00e1le viac Slov\u00e1kov obracia na finan\u010dn\u00fdch sprostredkovate\u013eov. \u0160etria n\u00e1m \u010das str\u00e1ven\u00fd vybavova\u010dkami v\u00a0bank\u00e1ch \u010di pois\u0165ovniach a h\u013eadaj\u00fa pre n\u00e1s najv\u00fdhodnej\u0161ie finan\u010dn\u00e9 rie\u0161enia, no po podpise hypot\u00e9ky \u010di poistky sa ich pr\u00e1ca nekon\u010d\u00ed a o na\u0161e produkty sa staraj\u00fa \u010falej. Str\u00e1\u017eia d\u00f4le\u017eit\u00e9 term\u00edny, zmeny podmienok, kontroluj\u00fa v\u00fdhodnos\u0165 produktov aj o rok alebo ke\u010f sa na\u0161a finan\u010dn\u00e1 situ\u00e1cia zmen\u00ed. Kvalitn\u00fd makl\u00e9r v\u00e1m porad\u00ed aj pri poistnej udalosti a d\u00e1 sa poveda\u0165, \u017ee sa vie postara\u0165 o lep\u0161ie finan\u010dn\u00e9 zdravie a pohodlie\u00a0va\u0161ej rodiny.\u00a0\u00a0 Ka\u017ed\u00fd \u010dlovek chce, aby mal\u00a0finan\u010dn\u00e9 produkty, ktor\u00e9 s\u00fa v\u00a0prvom rade kvalitn\u00e9, cenovo v\u00fdhodn\u00e9 a aby sp\u013a\u0148ali jeho aktu\u00e1lne potreby. Podobne ako lek\u00e1r, aj finan\u010dn\u00fd sprostredkovate\u013e sa star\u00e1 o\u00a0va\u0161e zdravie, ale o to finan\u010dn\u00e9. Sleduje aktu\u00e1lne dianie na trhu, m\u00e1 preh\u013ead o\u00a0novink\u00e1ch a trendoch, aj o zmen\u00e1ch v\u00a0poplatkoch \u010di v\u00a0podmienkach jednotliv\u00fdch produktov. \u201e\u00dalohou finan\u010dn\u00e9ho sprostredkovate\u013ea nie je len to, aby klientovi odporu\u010dil a\u00a0vybavil najv\u00fdhodnej\u0161iu hypot\u00e9ku, \u017eivotn\u00e9 poistenie alebo investi\u010dn\u00fd produkt. Priebe\u017ene kontroluje aj aktu\u00e1lnos\u0165 va\u0161ich zml\u00fav, aby boli pre v\u00e1s st\u00e1le v\u00fdhodn\u00e9. Jednoducho, star\u00e1 sa o\u00a0va\u0161e finan\u010dn\u00e9 pohodlie, a\u00a0\u0161etr\u00ed tak nielen v\u00e1\u0161 \u010das, ale ve\u013eakr\u00e1t aj peniaze,\u201c vysvet\u013euje Martin Bittara, \u0161\u00e9f Kontaktn\u00e9ho centra vo finan\u010dno-sprostredkovate\u013eskej spolo\u010dnosti FinGO.sk. Spokojnos\u0165 klienta a referencie\u00a0\u00a0 Aj preto je ve\u013emi d\u00f4le\u017eit\u00e9 vybra\u0165 […]<\/p>\n","protected":false},"author":26,"featured_media":1656,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,73],"tags":[65,98,61,105],"yoast_head":"\n5 extra d\u00f4vodov, pre\u010do ma\u0165 finan\u010dn\u00e9ho sprostredkovate\u013ea - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Pre\u010do ma\u0165 finan\u010dn\u00e9ho sprostredkovate\u013ea? \u010coraz viac Slov\u00e1ci svoje osobn\u00e9 financie rad\u0161ej zver\u00ed do r\u00fak odborn\u00edka a d\u00f4vodov je viacero.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.sk\/blog\/preco-mat-financneho-sprostredkovatela\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 extra d\u00f4vodov, pre\u010do ma\u0165 finan\u010dn\u00e9ho sprostredkovate\u013ea - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Pre\u010do ma\u0165 finan\u010dn\u00e9ho sprostredkovate\u013ea? 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