{"id":6452,"date":"2022-09-12T15:05:59","date_gmt":"2022-09-12T13:05:59","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=6452"},"modified":"2023-05-30T13:15:49","modified_gmt":"2023-05-30T11:15:49","slug":"hypoteka-bez-poistenia-je-v-dnesnej-dobe-hazardom","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/hypoteka-bez-poistenia-je-v-dnesnej-dobe-hazardom\/","title":{"rendered":"Hypot\u00e9ka bez poistenia je v dne\u0161nej dobe hazardom"},"content":{"rendered":"\n<p><strong>Viete, ako si v\u00a0dne\u0161nej dobe spr\u00e1vne poisti\u0165 hypot\u00e9ku? Pripravte sa na ne\u010dakan\u00e9 \u017eivotn\u00e9 situ\u00e1cie spojen\u00e9 s v\u00e1\u017enymi ochoreniami \u010di \u00farazmi. Porad\u00edme v\u00e1m, ako sa poisti\u0165, aby ste chr\u00e1nili v\u00a0prvom rade svoju rodinu, nie banku. <\/strong><\/p>\n<p>Rast cien nehnute\u013enost\u00ed v posledn\u00fdch rokoch nahr\u00e1va vy\u0161\u0161ej za\u00faverovanosti obyvate\u013estva. Slov\u00e1ci v\u0161ak st\u00e1le maj\u00fa pomerne n\u00edzke finan\u010dn\u00e9 povedomie<a href=\"https:\/\/www.fingo.sk\/blog\/7-rad-o-poisteni-hypoteky-ochrante-seba-aj-svoju-rodinu\/\"> o poisten\u00ed \u00faverov aj o \u017eivotnom poisten\u00ed.<\/a> Mo\u017eno k\u00a0nim patr\u00edte aj vy.<\/p>\n<p>A\u017e 80 % \u013eud\u00ed, ktor\u00ed sa s na\u0161imi makl\u00e9rmi stretn\u00fa, nem\u00e1 adekv\u00e1tne poistn\u00e9 krytie. Hypot\u00e9ka bez kvalitn\u00e9ho poistenia je v dne\u0161nej dobe hazardom. Ochranu pr\u00edjmu netreba podce\u0148ova\u0165, inak rodina m\u00f4\u017ee osta\u0165 vo finan\u010dn\u00fdch probl\u00e9moch.<\/p>\n<h2><strong><span style=\"color: #ec8124;\">M\u00e1te ni\u017e\u0161\u00ed \u00farok v\u010faka bankopoisteniu? To nesta\u010d\u00ed<\/span><\/strong><\/h2>\n<p>Aby si klienti zn\u00ed\u017eili <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">\u00faroky na hypot\u00e9ke<\/a>, mnoh\u00ed si v banke uzavreli poistenie schopnosti spl\u00e1cania \u00faveru, tzv. bankopoistenie. To v\u0161ak v n\u00e1ro\u010dn\u00fdch \u017eivotn\u00fdch situ\u00e1ci\u00e1ch dl\u017en\u00edkovi a jeho rodine \u010di pozostal\u00fdm nepom\u00f4\u017ee tak ako \u017eivotn\u00e9 poistenie. Pre\u010do je to tak, v\u00e1m vysvetlia na\u0161i <a href=\"https:\/\/www.fingo.sk\/kontakty\">finan\u010dn\u00ed experti<\/a> a dozviete sa to aj v na\u0161om \u010dl\u00e1nku ni\u017e\u0161ie.\u00a0<a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=zivot_gif\"><img decoding=\"async\" class=\"aligncenter wp-image-6529 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/09\/Fingo.sk-zivotne-poistenie-kalkulacka.gif\" alt=\"Fingo.sk \u017eivotn\u00e9 poistenie kalkula\u010dka\" width=\"1350\" height=\"738\" \/><\/a><\/p>\n<p>\u00a0<\/p>\n<h3><strong><span style=\"color: #ec8124;\">Poistenie schopnosti spl\u00e1cania \u00faveru (bankopoistenie)<\/span><\/strong><\/h3>\n<ul>\n<li><a href=\"https:\/\/www.fingo.sk\/blog\/co-je-bankopoistenie\/\">Bankopoistenie<\/a> nie je povinn\u00e9, ale banky klientom za jeho zjednanie v\u00e4\u010d\u0161inou pon\u00faknu v\u00fdhodnej\u0161iu \u00farokov\u00fa sadzbu. Mesa\u010dn\u00fa spl\u00e1tku hypot\u00e9ky t\u00fdm p\u00e1dom nav\u00fd\u0161ia o poistenie.<\/li>\n<li>Myslite na to, \u017ee bankopoistenie prioritne chr\u00e1ni poh\u013ead\u00e1vky banky. V pr\u00edpade poistnej udalosti akou m\u00f4\u017ee by\u0165 smr\u0165, invalidita alebo pr\u00e1ceneschopnos\u0165, bude plnenie z tohto poistenia poskytnut\u00e9 priamo banke na splatenie zvy\u0161ku \u00faveru.<\/li>\n<li>Bankov\u00ed pracovn\u00edci \u010dastokr\u00e1t podcenia vyplnenie zdravotn\u00e9ho dotazn\u00edka, aby zistili zdravotn\u00fd stav klienta s hypot\u00e9kou.<\/li>\n<li>Treba si tie\u017e uvedomi\u0165, \u017ee bankopoistenie pon\u00faka len predvolen\u00e9 bal\u00edky poistn\u00e9ho krytia, ktor\u00e9 s\u00fa obmedzen\u00e9 a naviazan\u00e9 len na ochranu banky, nie na ochranu dl\u017en\u00edka a jeho rodiny.\u00a0\u00a0<\/li>\n<\/ul>\n<h3><strong><span style=\"color: #ec8124;\">Poistenie hypot\u00e9ky cez \u017eivotn\u00e9 poistenie\u00a0<\/span><\/strong><\/h3>\n<p>Pri \u017eivotnom poisten\u00ed, ktor\u00e9 si uzavriete mimo \u00faverovej zmluvy, je to in\u00e9.<\/p>\n<ul>\n<li><a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\">Rizikov\u00e9 \u017eivotn\u00e9 poistenie<\/a> chr\u00e1ni prioritne v\u00e1s, nie banku.\u00a0<\/li>\n<li>Poskytne v\u00e1m \u0161ir\u0161ie poistn\u00e9 krytie, m\u00f4\u017eete si zvoli\u0165 vy\u0161\u0161ie poistn\u00e9 sumy a nastav\u00edte si ho individu\u00e1lne pod\u013ea vlastn\u00fdch potrieb.<\/li>\n<\/ul>\n<p>Dobre nastaven\u00e9 \u017eivotn\u00e9 poistenie klienta podr\u017e\u00ed rodinu v \u0165a\u017ek\u00fdch situ\u00e1ci\u00e1ch. Pom\u00f4\u017ee spl\u00e1ca\u0165 \u00faver v pr\u00edpade v\u00e1\u017eneho ochorenia, nahrad\u00ed pr\u00edjem po\u010das pracovnej neschopnosti, vykryje potrebn\u00fa lie\u010dbu \u010di rehabilit\u00e1ciu po \u00faraze alebo dopln\u00ed zn\u00ed\u017een\u00fd pr\u00edjem v pr\u00edpade invalidity \u010di trval\u00fdch n\u00e1sledkov. Ost\u00e1va na rozhodnut\u00ed klienta, \u010di z poistn\u00e9ho plnenia splat\u00ed zostatok hypot\u00e9ky alebo sa s\u00fastred\u00ed na in\u00e9 naliehav\u00e9 v\u00fddavky, \u00faver si ponech\u00e1 a bude ho spl\u00e1ca\u0165 \u010falej z financi\u00ed od pois\u0165ovne.<\/p>\n<p><strong><span style=\"color: #ec8124;\">TIP:<\/span> <\/strong>S porovnan\u00edm pon\u00fak jednotliv\u00fdch pois\u0165ovn\u00ed a v\u00fdberom najv\u00fdhodnej\u0161ieho \u017eivotn\u00e9ho poistenia na trhu v\u00e1m pom\u00f4\u017eu sk\u00fasen\u00ed <a href=\"https:\/\/www.fingo.sk\/kontakty\">finan\u010dn\u00ed makl\u00e9ri FinGO.sk<\/a>. M\u00f4\u017eete si ich porovna\u0165 aj v na\u0161om praktickom porovn\u00e1va\u010di.<\/p>\n<h2><strong><span style=\"color: #ec8124;\">Neriskujte a opr\u00e1\u0161te star\u0161iu poistn\u00fa zmluvu<\/span><\/strong><\/h2>\n<p>Niektor\u00ed klienti u\u017e pred hypot\u00e9kou maj\u00fa uzavret\u00e9 \u017eivotn\u00e9 poistenie. Ak je to aj v\u00e1\u0161 pr\u00edpad, vo v\u00e4\u010d\u0161ine pr\u00edpadov ho sta\u010d\u00ed \u201eopr\u00e1\u0161i\u0165\u201d a vhodne doplni\u0165.<\/p>\n<ul>\n<li>\u017divotn\u00e9 poistenie je flexibiln\u00fd produkt a je potrebn\u00e9 prisp\u00f4sobi\u0165 ho \u00faverovej za\u0165a\u017eenosti klienta.<\/li>\n<li>Na nov\u0161\u00edch produktoch si viete doplni\u0165 pripoistenia, napr\u00edklad si dopoisti\u0165 hypopoistenie alebo <a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vybrat-zivotne-poistenie-a-co-ma-obsahovat\/\">ve\u013ek\u00e9 rizik\u00e1.<\/a><\/li>\n<li>V niektor\u00fdch pr\u00edpadoch je vhodnej\u0161ie skombinova\u0165 star\u0161ie poistenie s nov\u00fdm.<\/li>\n<li><a href=\"https:\/\/www.fingo.sk\/zastarale-zmluvy\">Kontrolu \u017eivotn\u00e9ho poistenia<\/a> odpor\u00fa\u010dame najmenej 1-kr\u00e1t za 2 roky alebo po ka\u017edej v\u00fdznamnej zmene, ktor\u00e1 m\u00f4\u017ee ma\u0165 vplyv na rozsah poistn\u00e9ho krytia a v\u00fd\u0161ku poistn\u00fdch s\u00fam.<\/li>\n<\/ul>\n<p>Poistn\u00e1 zmluva mus\u00ed v prvom rade plni\u0165 \u00fa\u010del klientovi, nie pois\u0165ovni. Pri prer\u00e1ban\u00ed star\u0161\u00edch zml\u00fav v\u0161ak treba d\u00e1va\u0165 pozor na \u010dakacie lehoty a zdravotn\u00fd stav poisten\u00e9ho. Aj preto sa oplat\u00ed obr\u00e1ti\u0165 na <a href=\"https:\/\/www.fingo.sk\/kontakty\">sk\u00fasen\u00e9ho finan\u010dn\u00e9ho makl\u00e9ra,<\/a> ktor\u00fd v\u00e1m s kontrolou poistnej zmluvy pom\u00f4\u017ee bezplatne a v\u010faka nemu s va\u0161ou hypot\u00e9kou budete sp\u00e1va\u0165 o nie\u010do pokojnej\u0161ie.<\/p>\n<p><strong><span style=\"color: #ec8124;\">TIP:<\/span> <\/strong>M\u00e1te hypot\u00e9ku a plat\u00edte si star\u0161ie \u017eivotn\u00e9 poistenie? Na\u0161i finan\u010dn\u00ed sprostredkovatelia z FinGO.sk ho prisp\u00f4sobia va\u0161im \u00faverov\u00fdm z\u00e1v\u00e4zkom. Poistenie v\u00e1m vyskladaj\u00fa tak, aby ste boli vy a va\u0161a rodina kvalitne kryt\u00ed a dostato\u010dne chr\u00e1nen\u00ed.<\/p>\n<p>Zavolajte n\u00e1m na\u00a0<a href=\"tel:0800601060\">0800 60 10 60<\/a>\u00a0alebo n\u00e1m zanechajte <a href=\"https:\/\/www.fingo.sk\/kontakty\">kontaktn\u00e9 \u00fadaje<\/a> a na\u0161e call centrum v\u00e1s spoj\u00ed so sk\u00fasen\u00fdm makl\u00e9rom vo va\u0161om okol\u00ed.<\/p>\n<p><span style=\"color: #ec8124;\"><span style=\"color: #333333;\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/6452#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Viete, ako si v\u00a0dne\u0161nej dobe spr\u00e1vne poisti\u0165 hypot\u00e9ku? Pripravte sa na ne\u010dakan\u00e9 \u017eivotn\u00e9 situ\u00e1cie spojen\u00e9 s v\u00e1\u017enymi ochoreniami \u010di \u00farazmi. Porad\u00edme v\u00e1m, ako sa poisti\u0165, aby ste chr\u00e1nili v\u00a0prvom rade svoju rodinu, nie banku. Rast cien nehnute\u013enost\u00ed v posledn\u00fdch rokoch nahr\u00e1va vy\u0161\u0161ej za\u00faverovanosti obyvate\u013estva. Slov\u00e1ci v\u0161ak st\u00e1le maj\u00fa pomerne n\u00edzke finan\u010dn\u00e9 povedomie o poisten\u00ed \u00faverov aj o \u017eivotnom poisten\u00ed. Mo\u017eno k\u00a0nim patr\u00edte aj vy. A\u017e 80 % \u013eud\u00ed, ktor\u00ed sa s na\u0161imi makl\u00e9rmi stretn\u00fa, nem\u00e1 adekv\u00e1tne poistn\u00e9 krytie. Hypot\u00e9ka bez kvalitn\u00e9ho poistenia je v dne\u0161nej dobe hazardom. Ochranu pr\u00edjmu netreba podce\u0148ova\u0165, inak rodina m\u00f4\u017ee osta\u0165 vo finan\u010dn\u00fdch probl\u00e9moch. M\u00e1te ni\u017e\u0161\u00ed \u00farok v\u010faka bankopoisteniu? To nesta\u010d\u00ed Aby si klienti zn\u00ed\u017eili \u00faroky na hypot\u00e9ke, mnoh\u00ed si v banke uzavreli poistenie schopnosti spl\u00e1cania \u00faveru, tzv. bankopoistenie. To v\u0161ak v n\u00e1ro\u010dn\u00fdch \u017eivotn\u00fdch situ\u00e1ci\u00e1ch dl\u017en\u00edkovi a jeho rodine \u010di pozostal\u00fdm nepom\u00f4\u017ee tak ako \u017eivotn\u00e9 poistenie. Pre\u010do je to tak, v\u00e1m vysvetlia na\u0161i finan\u010dn\u00ed experti a dozviete sa to aj v na\u0161om \u010dl\u00e1nku ni\u017e\u0161ie.\u00a0 \u00a0 Poistenie schopnosti spl\u00e1cania \u00faveru (bankopoistenie) Bankopoistenie nie je povinn\u00e9, ale banky klientom za jeho zjednanie v\u00e4\u010d\u0161inou pon\u00faknu v\u00fdhodnej\u0161iu \u00farokov\u00fa sadzbu. Mesa\u010dn\u00fa spl\u00e1tku hypot\u00e9ky t\u00fdm p\u00e1dom nav\u00fd\u0161ia o poistenie. Myslite na to, \u017ee bankopoistenie prioritne chr\u00e1ni poh\u013ead\u00e1vky banky. V pr\u00edpade poistnej udalosti [&hellip;]<\/p>\n","protected":false},"author":34,"featured_media":6514,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,5,73,15],"tags":[215,89,95],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hypot\u00e9ka bez poistenia je v dne\u0161nej dobe hazardom - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Viete, ako si spr\u00e1vne poisti\u0165 hypot\u00e9ku? 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