{"id":1183,"date":"2025-03-11T20:46:46","date_gmt":"2025-03-11T19:46:46","guid":{"rendered":"https:\/\/financialtimes.cz\/?p=1183"},"modified":"2025-03-11T20:46:46","modified_gmt":"2025-03-11T19:46:46","slug":"chytre-finance-klicem-je-planovani-a-nesmite-opomenout-dulezitou-oblast","status":"publish","type":"post","link":"https:\/\/financialtimes.cz\/?p=1183","title":{"rendered":"Chytr\u00e9 finance. Kl\u00ed\u010dem je pl\u00e1nov\u00e1n\u00ed a nesm\u00edte opomenout d\u016fle\u017eitou oblast"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Spr\u00e1vn\u011b hospoda\u0159\u00edc\u00ed dom\u00e1cnost se neobejde bez pe\u010dliv\u00e9ho pl\u00e1nov\u00e1n\u00ed v\u00fddaj\u016f, pravideln\u00e9ho spo\u0159en\u00ed a odpov\u00eddaj\u00edc\u00edho poji\u0161t\u011bn\u00ed. Mnoho rodin i jednotlivc\u016f ov\u0161em podce\u0148uje posledn\u00ed finan\u010dn\u00ed pil\u00ed\u0159 a nechr\u00e1n\u00ed vlastn\u00ed majetek dostate\u010dn\u011b. Jak se vyhnout finan\u010dn\u00edm probl\u00e9m\u016fm v&nbsp;milionov\u00e9 v\u00fd\u0161i? Zn\u00e1me odpov\u011bdi.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Pravidla spr\u00e1vn\u011b hospoda\u0159\u00edc\u00ed dom\u00e1cnosti<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Pravidla p\u0159ebytkov\u011b hospoda\u0159\u00edc\u00ed dom\u00e1cnosti jsou jasn\u011b stanovena. Je d\u016fle\u017eit\u00e9 hl\u00eddat v\u00fddaje a jejich strukturu, okam\u017eit\u011b p\u0159i z\u00edsk\u00e1n\u00ed p\u0159\u00edjm\u016f odes\u00edlat \u010d\u00e1stku na spo\u0159en\u00ed a investice, v&nbsp;likvidn\u00ed form\u011b dr\u017eet dostate\u010dn\u011b vysok\u00fd finan\u010dn\u00ed pol\u0161t\u00e1\u0159 a m\u00edt poji\u0161t\u011bny rizika. Zejm\u00e9na posledn\u00ed skute\u010dnost mnoh\u00e9 dom\u00e1cnosti podce\u0148uj\u00ed. P\u0159itom plat\u00ed pravidlo, \u010d\u00edm ni\u017e\u0161\u00ed p\u0159\u00edjem a \u010d\u00edm men\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stka k&nbsp;hospoda\u0159en\u00ed, t\u00edm l\u00e9pe by m\u011bla b\u00fdt p\u0159\u00edpadn\u00e1 rizika pokryta. Pak nejsou dom\u00e1cnosti ohro\u017eeny dlouhodob\u00fdm v\u00fdpadkem p\u0159\u00edjm\u016f z&nbsp;d\u016fvodu nemoci nebo \u0161kodou na majetku.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Kontrolujte a aktualizujte<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u010castou chybou je uzav\u0159\u00edt pojistnou smlouvu a n\u011bkolik let ji nechat beze zm\u011bn. Nejv\u00edce patrn\u00e9 je to u majetkov\u00fdch poji\u0161t\u011bn\u00ed. Roste cena nemovitost\u00ed, nar\u016fst\u00e1 hodnota vybaven\u00ed dom\u00e1cnosti, vlivem kompletn\u00ed opravy m\u016f\u017ee nar\u016fst cena auta atp. Na poji\u0161t\u011bn\u00ed ov\u0161em z\u016fst\u00e1vaj\u00ed n\u00edzk\u00e9 limity nebo lid\u00e9 neuzav\u00edraj\u00ed dopl\u0148kov\u00e1 poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podpoji\u0161t\u011bn\u00ed trest\u00e1 poji\u0161\u0165ovna vysok\u00fdmi sankcemi a z\u00e1rove\u0148 vyplat\u00ed kr\u00e1cen\u00e9 pojistn\u00e9 pln\u011bn\u00ed v&nbsp;p\u0159\u00edpad\u011b \u0161kodn\u00ed ud\u00e1losti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i nenad\u00e1le ud\u00e1losti a n\u00e1hl\u00e9m v\u00fdpadku p\u0159\u00edjm\u016f v\u00e1m pom\u016f\u017ee <a href=\"https:\/\/mojenebankovka.cz\/pujcka-bez-registru\/\">p\u016fj\u010dka bez registru<\/a> s&nbsp;mo\u017enost\u00ed dlouh\u00e9 lh\u016fty spl\u00e1cen\u00ed.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Chra\u0148te majetek p\u0159i pron\u00e1jmu<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Dal\u0161\u00ed chybou je nem\u00edt poji\u0161t\u011bnou dom\u00e1cnost a vybaven\u00ed v&nbsp;nemovitosti, kter\u00e1 je ur\u010dena k&nbsp;pron\u00e1jmu. Tu ov\u0161em mus\u00ed uzav\u0159\u00edt n\u00e1jemn\u00edk nemovitosti. Jedin\u00fdm zp\u016fsobem, jak si ochranu majetku zajistit je vynutit povinnost uzav\u0159en\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti na n\u00e1jemci u\u017e p\u0159i uzav\u0159en\u00ed n\u00e1jemn\u00ed smlouvy. Poji\u0161t\u011bn\u00ed odpov\u011bdnosti by n\u00e1jemce m\u011bl m\u00edt uzav\u0159enu v\u016f\u010di majiteli i v\u016f\u010di soused\u016fm. V&nbsp;bytov\u00fdch domech m\u016f\u017ee zavin\u011bn\u00fd po\u017e\u00e1r (va\u0159en\u00ed, pe\u010den\u00ed, dekora\u010dn\u00ed sv\u00ed\u010dky atd.) zp\u016fsobit \u0161kody za miliony korun.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Zva\u017ete havarijn\u00ed poji\u0161t\u011bn\u00ed<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Ceny automobil\u016f neklesaj\u00ed, z\u00e1rove\u0148 si se zvy\u0161ov\u00e1n\u00edm \u017eivotn\u00ed \u00farovn\u011b po\u0159izujeme st\u00e1le n\u00e1kladn\u011bj\u0161\u00ed vozy. Povinn\u00e9 ru\u010den\u00ed mus\u00ed b\u00fdt uzav\u0159eno ze z\u00e1kona, ov\u0161em hledejte takov\u00e1, kter\u00e1 maj\u00ed limity minim\u00e1ln\u011b 50 milion\u016f korun. M\u016f\u017ee to b\u00fdt pr\u00e1v\u011b v\u00e1\u0161 v\u016fz, kter\u00fd se st\u0159etne s&nbsp;luxusn\u00edm vozem. \u0160kody na vozech a l\u00e9\u010debn\u00e9 v\u00fdlohy se po\u010d\u00edtaj\u00ed v&nbsp;des\u00edtk\u00e1ch milion\u016f. Protistrana m\u016f\u017ee n\u00e1rokovat u\u0161l\u00fd zisk z&nbsp;d\u016fvodu l\u00e9\u010den\u00ed, to nehodu tak\u00e9 prodra\u017e\u00ed.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">V\u00fddaje p\u0159edem pl\u00e1nujte<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Krom\u011b b\u011b\u017en\u00fdch m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f je t\u0159eba myslet na dlouhodob\u00fd pl\u00e1n a postupn\u011b tvo\u0159it rezervu nap\u0159\u00edklad na opravy a rekonstrukci, v\u00fdm\u011bnu spot\u0159ebi\u010d\u016f, zabezpe\u010den\u00ed na st\u00e1\u0159\u00ed nebo vzd\u011bl\u00e1n\u00ed d\u011bt\u00ed. Nepodce\u0148ujte budouc\u00ed n\u00e1klady, sta\u010d\u00ed spo\u0159it men\u0161\u00ed \u010d\u00e1stky, v&nbsp;dlouh\u00e9m horizontu mohou nar\u016fst na zaj\u00edmavou uspo\u0159enou sumu.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">D\u016fle\u017eit\u00e1 pravidla pro dom\u00e1cnost:<\/h1>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hl\u00eddat v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f.<\/li>\n\n\n\n<li>Ur\u010dit \u010d\u00e1stku na spo\u0159en\u00ed a investice.<\/li>\n\n\n\n<li>M\u00edt finan\u010dn\u00ed pol\u0161t\u00e1\u0159 pro nenad\u00e1l\u00e9 ud\u00e1losti.<\/li>\n\n\n\n<li>V\u00a0dostate\u010dn\u00e9 v\u00fd\u0161i pojistit rizika.<\/li>\n\n\n\n<li>Drobn\u00e9 \u010d\u00e1stky odkl\u00e1dat do dlouhodob\u00e9ho spo\u0159en\u00ed.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Spr\u00e1vn\u011b hospoda\u0159\u00edc\u00ed dom\u00e1cnost se neobejde bez pe\u010dliv\u00e9ho pl\u00e1nov\u00e1n\u00ed v\u00fddaj\u016f, pravideln\u00e9ho spo\u0159en\u00ed a odpov\u00eddaj\u00edc\u00edho poji\u0161t\u011bn\u00ed. Mnoho rodin i jednotlivc\u016f ov\u0161em podce\u0148uje posledn\u00ed finan\u010dn\u00ed pil\u00ed\u0159 a nechr\u00e1n\u00ed vlastn\u00ed majetek dostate\u010dn\u011b. Jak se vyhnout finan\u010dn\u00edm probl\u00e9m\u016fm v&nbsp;milionov\u00e9 v\u00fd\u0161i? Zn\u00e1me odpov\u011bdi. Pravidla spr\u00e1vn\u011b hospoda\u0159\u00edc\u00ed dom\u00e1cnosti Pravidla p\u0159ebytkov\u011b hospoda\u0159\u00edc\u00ed dom\u00e1cnosti jsou jasn\u011b stanovena. Je d\u016fle\u017eit\u00e9 hl\u00eddat v\u00fddaje a jejich strukturu, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1184,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40],"tags":[],"class_list":["post-1183","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"_links":{"self":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/1183","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1183"}],"version-history":[{"count":0,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/1183\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/media\/1184"}],"wp:attachment":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1183"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1183"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1183"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}