{"id":1134,"date":"2022-01-20T10:08:26","date_gmt":"2022-01-20T09:08:26","guid":{"rendered":"https:\/\/www.jiri-kovar.cz\/?p=1134"},"modified":"2022-04-11T10:25:27","modified_gmt":"2022-04-11T08:25:27","slug":"jak-pracuji-a-co-by-pro-vas-mel-zaridit-financni-poradce","status":"publish","type":"post","link":"https:\/\/www.jiri-kovar.cz\/index.php\/2022\/01\/20\/jak-pracuji-a-co-by-pro-vas-mel-zaridit-financni-poradce\/","title":{"rendered":"Jak pracuji a co by pro V\u00e1s m\u011bl za\u0159\u00eddit finan\u010dn\u00ed poradce"},"content":{"rendered":"[vc_row type=“in_container“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ overlay_strength=“0.3″ shape_divider_position=“bottom“ bg_image_animation=“none“][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_column_text]\r\n
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Jak pracuji a co by pro V\u00e1s m\u011bl za\u0159\u00eddit finan\u010dn\u00ed poradce<\/span><\/h2>\r\n

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\u00a0<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n
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O hypotec\u030cni\u0301 u\u0301ve\u030cry je v posledni\u0301ch letech enormni\u0301 za\u0301jem, a to jak z r\u030cad investoru\u030a do na\u0301jemni\u0301ho bydleni\u0301, tak i obc\u030canu\u030a por\u030cizuji\u0301ci\u0301ch si vlastni\u0301 bydleni\u0301.
Vyr\u030ci\u0301zeni\u0301 hypote\u0301ky je pro ve\u030cts\u030cinu lidi\u0301 pome\u030crne\u030c sloz\u030city\u0301 administrativni\u0301 u\u0301kon, ktery\u0301 je take\u0301 na\u0301roc\u030cny\u0301 na c\u030cas i peni\u0301ze. Pr\u030ci sve\u0301 pra\u0301ci se va\u0301m snaz\u030ci\u0301m cely\u0301 tento proces co nejvi\u0301ce zpr\u030ci\u0301jemnit a vyr\u030ci\u0301zeni\u0301 u\u0301ve\u030cru zjednodus\u030cit. Ni\u0301z\u030ce va\u0301m popi\u0301s\u030cu, jak to cele\u0301 probi\u0301ha\u0301:<\/p>\r\n

1. Schu\u030azka
<\/strong>Pr\u030ci nas\u030ci\u0301 prvni\u0301 schu\u030azce nebo videohovoru se va\u0301s zepta\u0301m na ne\u030ckolik za\u0301kladni\u0301ch informaci\u0301, ktere\u0301, pro posouzeni\u0301 vas\u030cich u\u0301ve\u030crovy\u0301ch moz\u030cnosti\u0301, potr\u030cebuji zna\u0301t. Pr\u030cedevs\u030ci\u0301m tedy, zda se chysta\u0301te nemovitost koupit, stave\u030ct, rekonstruovat nebo pr\u030ci\u0301padne\u030c potr\u030cebujete souc\u030casny\u0301 u\u0301ve\u030cr refinancovat. Dals\u030ci\u0301 du\u030alez\u030citou informaci\u0301 je vas\u030ce financ\u030cni\u0301 situace \u2013 tedy jake\u0301 jsou vas\u030ce c\u030ciste\u0301 me\u030csi\u0301c\u030cni\u0301 pr\u030ci\u0301jmy, vy\u0301s\u030ce spla\u0301tkovy\u0301ch vy\u0301daju\u030a, vy\u0301s\u030ce aktua\u0301lni\u0301ch financ\u030cni\u0301ch za\u0301vazku\u030a (zu\u030astatku\u030a ke splaceni\u0301), va\u0301s\u030c rodinny\u0301 stav a datum narozeni\u0301.<\/p>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n

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Nemusi\u0301te mi\u0301t obavy tyto citlive\u0301 informace sde\u030clit \u2013 jsem va\u0301za\u0301n mlc\u030cenlivosti\u0301 a nemohu tyto informace pouz\u030ci\u0301t pro jiny\u0301 u\u0301c\u030cel, nez\u030c pro jaky\u0301 jste mi je poskytli.
Na za\u0301klade\u030c te\u030cchto informaci\u0301 va\u0301m na\u0301sledne\u030c pr\u030cipravi\u0301m moz\u030cnosti financova\u0301ni\u0301 vc\u030cetne\u030c na\u0301vrhu bank, kde bude moz\u030cne\u0301 va\u0301s\u030c za\u0301me\u030cr nejle\u0301pe realizovat za co moz\u030cna\u0301 nejleps\u030ci\u0301ch podmi\u0301nek.<\/p>\r\n

2. Na\u0301vrh financova\u0301ni\u0301
<\/strong>Na za\u0301klade\u030c poskytnuty\u0301ch informaci\u0301 pro va\u0301s vyberu z nabi\u0301dek tu nejvhodne\u030cjs\u030ci\u0301 banku. Da\u0301le budete ve\u030cde\u030ct, jake\u0301 podklady jsou pro vyr\u030ci\u0301zeni\u0301 u\u0301ve\u030cru potr\u030ceba, pr\u030cibliz\u030cne\u030c jak dlouho bude schvalova\u0301ni\u0301 trvat a jaky\u0301 bude na\u0301sledovat postup v pru\u030abe\u030chu zpracova\u0301ni\u0301 z\u030ca\u0301dosti a po schva\u0301leni\u0301 u\u0301ve\u030cru.<\/p>\r\n

3. Pra\u0301ce financ\u030cni\u0301ho poradce
<\/strong>Moji\u0301 prioritou je co nejvi\u0301ce va\u0301m us\u030cetr\u030cit c\u030cas, a proto hodne\u030c ve\u030cci\u0301 de\u030cla\u0301m na pozadi\u0301 cele\u0301ho procesu tak, abych va\u0301s co nejme\u0301ne\u030c vyrus\u030coval.
Co vs\u030ce za va\u0301s zajis\u030ct\u030cuji:<\/p>\r\n<\/div>\r\n<\/div>\r\n

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Tento syste\u0301m je genia\u0301lni\u0301 v tom, z\u030ce zastupuji va\u0301s a ne banky<\/strong><\/p>\r\n<\/div>\r\n<\/div>\r\n

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    sko\u0301ring u\u0301ve\u030crove\u0301 z\u030ca\u0301dosti v bance<\/p>\r\n<\/li>\r\n

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    zajis\u030cte\u030cni\u0301 garance u\u0301rokove\u0301 sazby v bance<\/p>\r\n<\/li>\r\n

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    zajis\u030ct\u030cuji odhad financovane\u0301 nemovitosti (us\u030cetr\u030ci\u0301te tak 3 000,- az\u030c 10\u00a0000,-)<\/p>\r\n<\/li>\r\n

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    stahuji list vlastnictvi\u0301 z katastru a pr\u030ci\u0301padne\u030c i pu\u030avodni\u0301 naby\u0301vaci\u0301 titul\u00a0anebo prohla\u0301s\u030ceni\u0301 vlastni\u0301ka v pr\u030ci\u0301pade\u030c zada\u0301ni\u0301 online odhadu pro urc\u030ceni\u0301 podlahove\u0301 plochy jednotky (us\u030cetr\u030ci\u0301te tak 100,- az\u030c 1 500,- podle poc\u030ctu stran)<\/p>\r\n<\/li>\r\n

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    komunikuji s realitni\u0301m makle\u0301r\u030cem a zajis\u030ct\u030cuji souc\u030cinnost pr\u030ci sepsa\u0301ni\u0301 na\u0301vrhu kupni\u0301 smlouvy, pr\u030ci\u0301padne\u030c i smlouvy o advoka\u0301tni\u0301 u\u0301schove\u030c kupni\u0301 ceny tak, aby jes\u030cte\u030c pr\u030ced ti\u0301m, nez\u030c je odes\u030cleme do banky, odpovi\u0301dala jeji\u0301m poz\u030cadavku\u030am a nemusely se tak dodatec\u030cne\u030c opravovat (us\u030cetr\u030ci\u0301te tak za nota\u0301r\u030ce\/pra\u0301vni\u0301ka az\u030c 2 000,-)<\/p>\r\n<\/li>\r\n

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    zjis\u030ct\u030cuji povodn\u030covou zo\u0301nu lokality, kde se dana\u0301 nemovitost nacha\u0301zi\u0301, abychom pr\u030cedes\u030cli pr\u030ci\u0301padny\u0301m komplikaci\u0301m ze strany pojis\u030ct\u030covny<\/p>\r\n<\/li>\r\n

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    dle potr\u030ceby zajis\u030ct\u030cuji navi\u0301c konverzi za\u0301stavni\u0301ch smluv a jejich odesla\u0301ni\u0301 na katastra\u0301lni\u0301 u\u0301r\u030cad (podle poc\u030ctu stran us\u030cetr\u030ci\u0301te zpravidla 150,- az\u030c 300,- )<\/p>\r\n<\/li>\r\n

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    pojis\u030cte\u030cni\u0301 nemovitosti, aby bylo moz\u030cne\u0301 hypote\u0301ku c\u030cerpat a vy tak me\u030cli svu\u030aj majetek pokryty\u0301 pro pr\u030ci\u0301pad s\u030ckod (pojis\u030cte\u030cni\u0301 ma\u0301te ode mne vz\u030cdy s obchodni\u0301 slevou 20-30 %; u\u0301spora je tak 300,- az\u030c 1 500,- na pojistne\u0301m roc\u030cne\u030c).<\/p>\r\n<\/li>\r\n<\/ul>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n

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    Vs\u030ce, co pro va\u0301s v ra\u0301mci me\u0301 sluz\u030cby de\u030cla\u0301m, je ZDARMA \u2013 NIC VA\u0301M NEU\u0301C\u030cTUJI!\u00a0<\/strong>Odme\u030cnou mi je vas\u030ce reference a skutec\u030cnost, z\u030ce moje sluz\u030cby doporuc\u030ci\u0301te.<\/p>\r\n

    4. Schva\u0301leni\u0301 u\u0301ve\u030cru a na\u0301vrh smluvni\u0301 dokumentace
    <\/strong>Jakmile je u\u0301ve\u030cr schva\u0301len, ihned va\u0301s o tom informuji. Na\u0301vrh smluvni\u0301 dokumentace va\u0301m na\u0301sledne\u030c posi\u0301la\u0301m do emailu, abyste me\u030cli c\u030cas si ji v klidu proc\u030ci\u0301st a pr\u030cipravit si pr\u030ci\u0301padne\u0301 ota\u0301zky. Nez\u030c pr\u030cejdeme k podpisu smlouvy, jes\u030cte\u030c ji s va\u0301mi projdu \u2013 osobne\u030c nebo pr\u030ces videohovor.<\/p>\r\n

    5. Zaplaceni\u0301 kupni\u0301 ceny<\/strong>
    Podpisem u\u0301ve\u030crove\u0301 smlouvy vs\u030cak administrativa jes\u030cte\u030c nekonc\u030ci\u0301 \u2013 zby\u0301va\u0301 splnit podmi\u0301nky k uvolne\u030cni\u0301 u\u0301ve\u030cru k u\u0301hrade\u030c kupni\u0301 ceny. Ves\u030ckere\u0301 pokyny, ktere\u0301 jsou potr\u030ceba ke splne\u030cni\u0301 podmi\u0301nek pro c\u030cerpa\u0301ni\u0301 u\u0301ve\u030cru, ode me\u030c dosta\u0301va\u0301te pr\u030cehledne\u030c spolec\u030cne\u030c s u\u0301ve\u030crovou smlouvou.
    Ti\u0301m nas\u030ce spolupra\u0301ce nekonc\u030ci\u0301, ale zac\u030ci\u0301na\u0301. V pr\u030ci\u0301pade\u030c, z\u030ce pr\u030cedc\u030ci\u0301m vas\u030ce oc\u030ceka\u0301va\u0301ni\u0301, se o klienty stara\u0301m dlouhodobe\u030c a komplexne\u030c. At\u030c uz\u030c se jedna\u0301 o u\u0301ve\u030cry, pojis\u030cte\u030cni\u0301 nebo investice.<\/strong><\/p>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div><\/div>\r\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=“in_container“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ overlay_strength=“0.3″ shape_divider_position=“bottom“ bg_image_animation=“none“][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“1185″ alignment=“center“ animation=“None“ img_link_target=“_blank“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“ img_link=“https:\/\/www.jiri-kovar.cz\/index.php\/kontakt\/“][\/vc_column][\/vc_row][vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ overlay_strength=“0.3″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“774″ alignment=“right“ animation=“None“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“][\/vc_column][\/vc_row]","protected":false},"excerpt":{"rendered":"

    [vc_row type=“in_container“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ overlay_strength=“0.3″ shape_divider_position=“bottom“ bg_image_animation=“none“][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_column_text] Jak pracuji a co by…<\/p>\n","protected":false},"author":2,"featured_media":1172,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[8],"tags":[10],"class_list":{"0":"post-1134","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-uvery","8":"tag-hypotecni-uver"},"_links":{"self":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts\/1134"}],"collection":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/comments?post=1134"}],"version-history":[{"count":20,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts\/1134\/revisions"}],"predecessor-version":[{"id":1242,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts\/1134\/revisions\/1242"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/media\/1172"}],"wp:attachment":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/media?parent=1134"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/categories?post=1134"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/tags?post=1134"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}