{"id":5331,"date":"2021-03-30T19:45:41","date_gmt":"2021-03-30T17:45:41","guid":{"rendered":"https:\/\/webovkykladno.cz\/pojistenikladno\/?page_id=5331"},"modified":"2022-03-17T17:38:14","modified_gmt":"2022-03-17T16:38:14","slug":"stavebni-sporeni-a-uvery","status":"publish","type":"page","link":"https:\/\/www.pojistenikladno.eu\/?page_id=5331","title":{"rendered":"Stavebn\u00ed spo\u0159en\u00ed a \u00fav\u011bry"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5331\" class=\"elementor elementor-5331\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-13d2e54c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"13d2e54c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-77e75b21\" data-id=\"77e75b21\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f2a6be7 elementor-widget elementor-widget-text-editor\" data-id=\"f2a6be7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<h3><strong>Stavebn\u00ed spo\u0159en\u00ed\u00a0<\/strong><\/h3>\n<h5><strong>prom\u011bn\u00ed va\u0161e pl\u00e1ny ve skute\u010dnost<\/strong><\/h5>\n<p>Stavebn\u00ed spo\u0159en\u00ed je zaj\u00edmav\u00fd produkt, kter\u00fd kombinuje mo\u017enost v\u00fdhodn\u00e9ho spo\u0159en\u00ed se st\u00e1tn\u00edm p\u0159\u00edsp\u011bvkem a mo\u017enost p\u016fj\u010dky, \u010di hypote\u010dn\u00edho financov\u00e1n\u00ed. Vklady u stavebn\u00edch spo\u0159itelen jsou ze z\u00e1kona poji\u0161t\u011bn\u00e9. Uspo\u0159en\u00e9 pen\u00edze lze po 6-ti letech vyu\u017e\u00edt na libovoln\u00e9 investice nebo spot\u0159ebu.\u00a0<\/p>\n<p>Naspo\u0159en\u00e9 pen\u00edze ze stavebn\u00edho spo\u0159en\u00ed poslou\u017e\u00ed nejen na vlastn\u00ed bydlen\u00ed, ale pomohou i d\u011btem na startu do vlastn\u00edho \u017eivota.\u00a0<\/p>\n<p>A\u0165 u\u017e pl\u00e1nujete cokoliv. Spo\u0159te chyt\u0159e sob\u011b i sv\u00fdm d\u011btem a st\u00e1t v\u00e1m p\u0159isp\u011bje a\u017e 2.000 K\u010d ro\u010dn\u011b.<\/p>\n<p>Spole\u010dn\u011b vybereme to nejvhodn\u011bj\u0161\u00ed stavebn\u00ed spo\u0159en\u00ed pro V\u00e1s.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf6c100 elementor-widget elementor-widget-text-editor\" data-id=\"cf6c100\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<h3><strong>\u00dav\u011bry<\/strong><\/h3>\n<h5>Po\u0159i\u010fte si v\u0161echno, o \u010dem sn\u00edte<\/h5>\n<p>D\u00edky srovn\u00e1n\u00ed \u00fav\u011br\u016f rychle zjist\u00edte poplatky, \u00farok i RPSN.<\/p>\n<p>\u00dav\u011bry se daj\u00ed t\u0159\u00eddit podle mnoha krit\u00e9ri\u00ed, podle d\u00e9lky \u00fav\u011bru, jeho \u00fa\u010delu, osoby v\u011b\u0159itele aj.<\/p>\n<h4>Podle d\u00e9lky trv\u00e1n\u00ed:<\/h4>\n<ul>\n<li>\n<div>kr\u00e1tkodob\u00e9 (splatn\u00e9 do 1 roku)<\/div>\n<\/li>\n<li>\n<div>st\u0159edn\u011bdob\u00e9 (1 &#8211; 5 let)<\/div>\n<\/li>\n<li>\n<div>dlouhodob\u00e9 (nad 5 let)<\/div>\n<\/li>\n<\/ul>\n<h4>Podle osoby v\u011b\u0159itele:<\/h4>\n<ul>\n<li>\n<div>bankovn\u00ed \u00fav\u011bry (v\u011b\u0159itelem je banka nebo dru\u017estevn\u00ed z\u00e1lo\u017ena)<\/div>\n<\/li>\n<li>\n<div>nebankovn\u00ed \u00fav\u011bry<\/div>\n<\/li>\n<\/ul>\n<h4>Podle osoby dlu\u017en\u00edka:<\/h4>\n<ul>\n<li>\n<div>spot\u0159ebitelsk\u00e9 \u00fav\u011bry<\/div>\n<\/li>\n<li>\n<div>\u00fav\u011bry poskytovan\u00e9 osob\u00e1m, kter\u00e9 nejsou spot\u0159ebiteli<\/div>\n<\/li>\n<\/ul>\n<h4>Podle zaji\u0161t\u011bn\u00ed:<\/h4>\n<ul>\n<li>\n<div>\u00fav\u011bry nezaji\u0161t\u011bn\u00e9<\/div>\n<\/li>\n<li>\n<div>\u00fav\u011bry zaji\u0161t\u011bn\u00e9 \u2013 nap\u0159. ru\u010den\u00edm (z\u00e1vazkem jin\u00e9ho \u010dlov\u011bka, \u017ee dluh zaplat\u00ed, pokud jej nezaplat\u00ed dlu\u017en\u00edk), z\u00e1stavn\u00edm pr\u00e1vem k nemovitosti (tzv. hypot\u00e9kou) \u010di k jin\u00e9 v\u011bci, zaji\u0161\u0165ovac\u00edm p\u0159evodem pr\u00e1va \u010di dohodou o sr\u00e1\u017ek\u00e1ch ze mzdy \u010di jin\u00fdch p\u0159\u00edjm\u016f.<\/div>\n<\/li>\n<\/ul>\n<h4>Podle \u00fa\u010delu pou\u017eit\u00ed \u00fav\u011bru:<\/h4>\n<ul>\n<li>\n<div>na spot\u0159ebu (ur\u010den\u00e9 pro koupi spot\u0159ebn\u00edho zbo\u017e\u00ed, nap\u0159. auta, televize, lednice, na dovolenou) ) \u2013 tzv. spot\u0159ebitelsk\u00e9 \u00fav\u011bry regulovan\u00e9\u00a0z\u00e1konem,<\/div>\n<\/li>\n<li>\n<div>na bydlen\u00ed<\/div>\n<\/li>\n<li>\n<div>ostatn\u00ed.<\/div>\n<\/li>\n<\/ul>\n<p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c9f4ce elementor-widget elementor-widget-spacer\" data-id=\"8c9f4ce\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Stavebn\u00ed spo\u0159en\u00ed\u00a0 prom\u011bn\u00ed va\u0161e pl\u00e1ny ve skute\u010dnost Stavebn\u00ed spo\u0159en\u00ed je zaj\u00edmav\u00fd produkt, kter\u00fd kombinuje mo\u017enost v\u00fdhodn\u00e9ho spo\u0159en\u00ed se st\u00e1tn\u00edm p\u0159\u00edsp\u011bvkem a mo\u017enost p\u016fj\u010dky, \u010di hypote\u010dn\u00edho financov\u00e1n\u00ed. Vklady u stavebn\u00edch spo\u0159itelen jsou ze z\u00e1kona poji\u0161t\u011bn\u00e9. Uspo\u0159en\u00e9 pen\u00edze lze po 6-ti letech vyu\u017e\u00edt na libovoln\u00e9 investice nebo spot\u0159ebu.\u00a0 Naspo\u0159en\u00e9 pen\u00edze ze stavebn\u00edho spo\u0159en\u00ed poslou\u017e\u00ed nejen na vlastn\u00ed [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"_mi_skip_tracking":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Stavebn\u00ed spo\u0159en\u00ed a \u00fav\u011bry - Poji\u0161t\u011bn\u00ed a finan\u010dn\u00ed poradenstv\u00ed Kladno<\/title>\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.pojistenikladno.eu\/?page_id=5331\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Stavebn\u00ed spo\u0159en\u00ed a \u00fav\u011bry - Poji\u0161t\u011bn\u00ed a finan\u010dn\u00ed poradenstv\u00ed Kladno\" \/>\n<meta property=\"og:description\" content=\"Stavebn\u00ed spo\u0159en\u00ed\u00a0 prom\u011bn\u00ed va\u0161e pl\u00e1ny ve skute\u010dnost Stavebn\u00ed spo\u0159en\u00ed je zaj\u00edmav\u00fd produkt, kter\u00fd kombinuje mo\u017enost v\u00fdhodn\u00e9ho spo\u0159en\u00ed se st\u00e1tn\u00edm p\u0159\u00edsp\u011bvkem a mo\u017enost p\u016fj\u010dky, \u010di hypote\u010dn\u00edho financov\u00e1n\u00ed. Vklady u stavebn\u00edch spo\u0159itelen jsou ze z\u00e1kona poji\u0161t\u011bn\u00e9. Uspo\u0159en\u00e9 pen\u00edze lze po 6-ti letech vyu\u017e\u00edt na libovoln\u00e9 investice nebo spot\u0159ebu.\u00a0 Naspo\u0159en\u00e9 pen\u00edze ze stavebn\u00edho spo\u0159en\u00ed poslou\u017e\u00ed nejen na vlastn\u00ed [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pojistenikladno.eu\/?page_id=5331\" \/>\n<meta property=\"og:site_name\" content=\"Poji\u0161t\u011bn\u00ed a finan\u010dn\u00ed poradenstv\u00ed Kladno\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/NadaKutilovaFinancniPoradenstvi\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-17T16:38:14+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minuty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.pojistenikladno.eu\/#organization\",\"name\":\"Poji\u0161t\u011bn\u00ed a finan\u010dn\u00ed poradenstv\u00ed Kladno\",\"url\":\"https:\/\/www.pojistenikladno.eu\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/NadaKutilovaFinancniPoradenstvi\"],\"logo\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.pojistenikladno.eu\/#logo\",\"inLanguage\":\"cs\",\"url\":\"https:\/\/www.pojistenikladno.eu\/wp-content\/uploads\/2019\/08\/logo_final_tm.png\",\"contentUrl\":\"https:\/\/www.pojistenikladno.eu\/wp-content\/uploads\/2019\/08\/logo_final_tm.png\",\"width\":356,\"height\":92,\"caption\":\"Poji\u0161t\u011bn\u00ed a finan\u010dn\u00ed poradenstv\u00ed Kladno\"},\"image\":{\"@id\":\"https:\/\/www.pojistenikladno.eu\/#logo\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.pojistenikladno.eu\/#website\",\"url\":\"https:\/\/www.pojistenikladno.eu\/\",\"name\":\"Poji\u0161t\u011bn\u00ed a finan\u010dn\u00ed poradenstv\u00ed Kladno\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.pojistenikladno.eu\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.pojistenikladno.eu\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"cs\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.pojistenikladno.eu\/?page_id=5331#webpage\",\"url\":\"https:\/\/www.pojistenikladno.eu\/?page_id=5331\",\"name\":\"Stavebn\u00ed spo\u0159en\u00ed a \u00fav\u011bry - Poji\u0161t\u011bn\u00ed a finan\u010dn\u00ed poradenstv\u00ed Kladno\",\"isPartOf\":{\"@id\":\"https:\/\/www.pojistenikladno.eu\/#website\"},\"datePublished\":\"2021-03-30T17:45:41+00:00\",\"dateModified\":\"2022-03-17T16:38:14+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.pojistenikladno.eu\/?page_id=5331#breadcrumb\"},\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.pojistenikladno.eu\/?page_id=5331\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.pojistenikladno.eu\/?page_id=5331#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Dom\u016f\",\"item\":\"https:\/\/www.pojistenikladno.eu\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Stavebn\u00ed spo\u0159en\u00ed a \u00fav\u011bry\"}]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Stavebn\u00ed spo\u0159en\u00ed a \u00fav\u011bry - Poji\u0161t\u011bn\u00ed a finan\u010dn\u00ed poradenstv\u00ed Kladno","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.pojistenikladno.eu\/?page_id=5331","og_locale":"cs_CZ","og_type":"article","og_title":"Stavebn\u00ed spo\u0159en\u00ed a \u00fav\u011bry - Poji\u0161t\u011bn\u00ed a finan\u010dn\u00ed poradenstv\u00ed Kladno","og_description":"Stavebn\u00ed spo\u0159en\u00ed\u00a0 prom\u011bn\u00ed va\u0161e pl\u00e1ny ve skute\u010dnost Stavebn\u00ed spo\u0159en\u00ed je zaj\u00edmav\u00fd produkt, kter\u00fd kombinuje mo\u017enost v\u00fdhodn\u00e9ho spo\u0159en\u00ed se st\u00e1tn\u00edm p\u0159\u00edsp\u011bvkem a mo\u017enost p\u016fj\u010dky, \u010di hypote\u010dn\u00edho financov\u00e1n\u00ed. Vklady u stavebn\u00edch spo\u0159itelen jsou ze z\u00e1kona poji\u0161t\u011bn\u00e9. Uspo\u0159en\u00e9 pen\u00edze lze po 6-ti letech vyu\u017e\u00edt na libovoln\u00e9 investice nebo spot\u0159ebu.\u00a0 Naspo\u0159en\u00e9 pen\u00edze ze stavebn\u00edho spo\u0159en\u00ed poslou\u017e\u00ed nejen na vlastn\u00ed [&hellip;]","og_url":"https:\/\/www.pojistenikladno.eu\/?page_id=5331","og_site_name":"Poji\u0161t\u011bn\u00ed a finan\u010dn\u00ed poradenstv\u00ed Kladno","article_publisher":"https:\/\/www.facebook.com\/NadaKutilovaFinancniPoradenstvi","article_modified_time":"2022-03-17T16:38:14+00:00","twitter_card":"summary_large_image","twitter_misc":{"Odhadovan\u00e1 doba \u010dten\u00ed":"2 minuty"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Organization","@id":"https:\/\/www.pojistenikladno.eu\/#organization","name":"Poji\u0161t\u011bn\u00ed a finan\u010dn\u00ed poradenstv\u00ed Kladno","url":"https:\/\/www.pojistenikladno.eu\/","sameAs":["https:\/\/www.facebook.com\/NadaKutilovaFinancniPoradenstvi"],"logo":{"@type":"ImageObject","@id":"https:\/\/www.pojistenikladno.eu\/#logo","inLanguage":"cs","url":"https:\/\/www.pojistenikladno.eu\/wp-content\/uploads\/2019\/08\/logo_final_tm.png","contentUrl":"https:\/\/www.pojistenikladno.eu\/wp-content\/uploads\/2019\/08\/logo_final_tm.png","width":356,"height":92,"caption":"Poji\u0161t\u011bn\u00ed a finan\u010dn\u00ed poradenstv\u00ed Kladno"},"image":{"@id":"https:\/\/www.pojistenikladno.eu\/#logo"}},{"@type":"WebSite","@id":"https:\/\/www.pojistenikladno.eu\/#website","url":"https:\/\/www.pojistenikladno.eu\/","name":"Poji\u0161t\u011bn\u00ed a finan\u010dn\u00ed poradenstv\u00ed Kladno","description":"","publisher":{"@id":"https:\/\/www.pojistenikladno.eu\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.pojistenikladno.eu\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"cs"},{"@type":"WebPage","@id":"https:\/\/www.pojistenikladno.eu\/?page_id=5331#webpage","url":"https:\/\/www.pojistenikladno.eu\/?page_id=5331","name":"Stavebn\u00ed spo\u0159en\u00ed a \u00fav\u011bry - Poji\u0161t\u011bn\u00ed a finan\u010dn\u00ed poradenstv\u00ed Kladno","isPartOf":{"@id":"https:\/\/www.pojistenikladno.eu\/#website"},"datePublished":"2021-03-30T17:45:41+00:00","dateModified":"2022-03-17T16:38:14+00:00","breadcrumb":{"@id":"https:\/\/www.pojistenikladno.eu\/?page_id=5331#breadcrumb"},"inLanguage":"cs","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.pojistenikladno.eu\/?page_id=5331"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.pojistenikladno.eu\/?page_id=5331#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Dom\u016f","item":"https:\/\/www.pojistenikladno.eu\/"},{"@type":"ListItem","position":2,"name":"Stavebn\u00ed spo\u0159en\u00ed a \u00fav\u011bry"}]}]}},"_links":{"self":[{"href":"https:\/\/www.pojistenikladno.eu\/index.php?rest_route=\/wp\/v2\/pages\/5331"}],"collection":[{"href":"https:\/\/www.pojistenikladno.eu\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.pojistenikladno.eu\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.pojistenikladno.eu\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pojistenikladno.eu\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=5331"}],"version-history":[{"count":13,"href":"https:\/\/www.pojistenikladno.eu\/index.php?rest_route=\/wp\/v2\/pages\/5331\/revisions"}],"predecessor-version":[{"id":6306,"href":"https:\/\/www.pojistenikladno.eu\/index.php?rest_route=\/wp\/v2\/pages\/5331\/revisions\/6306"}],"wp:attachment":[{"href":"https:\/\/www.pojistenikladno.eu\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5331"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}