{"id":4009,"date":"2026-04-20T11:03:33","date_gmt":"2026-04-20T09:03:33","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=4009"},"modified":"2026-04-20T11:03:35","modified_gmt":"2026-04-20T09:03:35","slug":"hypoteka-zivotni-pojisteni-muze-vas-banka-nutit","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/hypoteka-zivotni-pojisteni-muze-vas-banka-nutit\/","title":{"rendered":"Hypot\u00e9ka a \u017eivotn\u00ed poji\u0161t\u011bn\u00ed: M\u016f\u017ee v\u00e1s banka nutit sjednat poji\u0161t\u011bn\u00ed k hypot\u00e9ce?"},"content":{"rendered":"\n<p>P\u0159i sjedn\u00e1v\u00e1n\u00ed hypot\u00e9ky se mnoho lid\u00ed setk\u00e1 s po\u017eadavkem banky na uzav\u0159en\u00ed poji\u0161t\u011bn\u00ed. Na prvn\u00ed pohled m\u016f\u017ee p\u016fsobit jako povinn\u00e9, ve skute\u010dnosti je ale situace slo\u017eit\u011bj\u0161\u00ed. Jak\u00e1 poji\u0161t\u011bn\u00ed po v\u00e1s m\u016f\u017ee banka skute\u010dn\u011b vy\u017eadovat a pro\u010d se vyplat\u00ed \u0159e\u0161it vlastn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed mimo banku?<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Co se v \u010dl\u00e1nku dozv\u00edte?<\/h2><nav><ul><li class=\"\"><a href=\"#co-muze-banka-vyzadovat-k-hypotece\">Co m\u016f\u017ee banka vy\u017eadovat k hypot\u00e9ce?<\/a><ul><li class=\"\"><a href=\"#muze-banka-pozadovat-sjednani-pojisteni-schopnosti-splacet\">M\u016f\u017ee banka po\u017eadovat sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet?<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#jak-funguje-pojisteni-k-hypotece\">Jak funguje poji\u0161t\u011bn\u00ed k hypot\u00e9ce?<\/a><ul><li class=\"\"><a href=\"#kolik-stoji-pojisteni-k-hypotece\">Kolik stoj\u00ed poji\u0161t\u011bn\u00ed k hypot\u00e9ce?<\/a><\/li><li class=\"\"><a href=\"#vyplati-se-mit-pojisteni-k-hypotece\">Vyplat\u00ed se m\u00edt poji\u0161t\u011bn\u00ed k hypot\u00e9ce?\u00a0<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#jake-jsou-vyhody-samostatneho-zivotniho-pojisteni\">Jak\u00e9 jsou v\u00fdhody samostatn\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed?<\/a><ul><li class=\"\"><a href=\"#co-si-lze-pojistit-v-ramci-zivotniho-pojisteni\">Co si lze pojistit v r\u00e1mci \u017eivotn\u00edho poji\u0161t\u011bn\u00ed?<\/a><\/li><li class=\"\"><a href=\"#kolik-muze-zivotni-pojisteni-k-hypotece-stat\">Kolik m\u016f\u017ee \u017eivotn\u00ed poji\u0161t\u011bn\u00ed k hypot\u00e9ce st\u00e1t?\u00a0<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-muze-banka-vyzadovat-k-hypotece\">Co m\u016f\u017ee banka vy\u017eadovat k hypot\u00e9ce?<\/h2>\n\n\n\n<p>P\u0159i poskytov\u00e1n\u00ed hypot\u00e9ky m\u00e1 banka pr\u00e1vo chr\u00e1nit svou pohled\u00e1vku, a to rovnou v\u00edce zp\u016fsoby. \u00dav\u011br v \u0159\u00e1du vy\u0161\u0161\u00edch milion\u016f korun logicky p\u0159edstavuje n\u011bco, co se vyplat\u00ed si pojistit. Ur\u010dit\u011b moc dob\u0159e v\u00edte, \u017ee k ochran\u011b sv\u00fdch pen\u011bz vyu\u017e\u00edv\u00e1 <strong>z\u00e1stavn\u00ed pr\u00e1vo<\/strong>, aby v p\u0159\u00edpad\u011b, \u017ee \u00fav\u011br nebudete spl\u00e1cet, mohla zpen\u011b\u017eit pr\u00e1v\u011b onu zastavenou nemovitost.&nbsp;<\/p>\n\n\n\n<p>Z\u00e1rove\u0148 banka vy\u017eaduje i<strong> <\/strong><a href=\"https:\/\/www.rixo.cz\/pojisteni-nemovitosti\/\"><strong>poji\u0161t\u011bn\u00ed nemovitosti<\/strong><\/a>, aby se v p\u0159\u00edpad\u011b \u017eiveln\u00edch katastrof \u010di jin\u00fdch \u0161kodn\u00edch ud\u00e1lost\u00ed, kv\u016fli nim\u017e by byla nemovitost<strong> v\u00fdrazn\u011b po\u0161kozen\u00e1 \u010di zni\u010den\u00e1<\/strong>, mohla finan\u010dn\u011b \u201czahojit\u201d alespo\u0148 <a href=\"https:\/\/www.rixo.cz\/blog\/vinkulace-a-devinkulace-pojisteni-nemovitosti-jak-to-funguje\/\">vinkulovan\u00fdm pojistn\u00fdm pln\u011bn\u00edm<\/a>. Zaji\u0161t\u011bn\u00ed z\u00e1vazku z\u00e1stavou a sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed nemovitosti je samoz\u0159ejm\u011b z pohledu z\u00e1kona naprosto v po\u0159\u00e1dku a jde o nutn\u00e9 sou\u010d\u00e1sti ka\u017ed\u00e9 poskytnut\u00e9 hypot\u00e9ky.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"muze-banka-pozadovat-sjednani-pojisteni-schopnosti-splacet\">M\u016f\u017ee banka po\u017eadovat sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet?<\/h3>\n\n\n\n<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed technicky vzato banka nenab\u00edz\u00ed, jen se kryt\u00ed tzv. \u201c<strong>poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet \u00fav\u011br<\/strong>\u201d \u010d\u00e1ste\u010dn\u011b shoduje s klasick\u00fdm rizikov\u00fdm \u017eivotn\u00edm poji\u0161t\u011bn\u00edm. To nic nem\u011bn\u00ed na tom, \u017ee <strong>\u017e\u00e1dn\u00e9 poji\u0161t\u011bn\u00ed osob<\/strong> ze z\u00e1kona \u00fav\u011brov\u00e1 instituce <strong>vy\u017eadovat nesm\u00ed<\/strong>. Nen\u00ed mo\u017en\u00e9, aby v\u00e1m hypot\u00e9ku odm\u00edtla pouze proto, \u017ee si poji\u0161t\u011bn\u00ed k \u00fav\u011bru u banky sjednat nechcete. Sjedn\u00e1n\u00edm poji\u0161t\u011bn\u00ed nicm\u00e9n\u011b banka m\u016f\u017ee podm\u00ednit poskytnut\u00ed v\u00fdhodn\u011bj\u0161\u00ed \u00farokov\u00e9 sazby. Hod\u00ed se ale v\u011bd\u011bt, jak takov\u00e9 poji\u0161t\u011bn\u00ed u banky funguje.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-funguje-pojisteni-k-hypotece\">Jak funguje poji\u0161t\u011bn\u00ed k hypot\u00e9ce?<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet se podob\u00e1 klasick\u00e9mu rizikov\u00e9mu \u017eivotn\u00edmu poji\u0161t\u011bn\u00ed a kryje \u010dasto <strong>z\u00e1kladn\u00ed rizika \u00famrt\u00ed a&nbsp; II. + III. stupe\u0148 invalidity<\/strong> s klesaj\u00edc\u00edmi \u010d\u00e1stkami, kter\u00e9 odpov\u00eddaj\u00ed v\u00fd\u0161i \u00fav\u011bru a obsahovat mohou i <a href=\"https:\/\/www.rixo.cz\/blog\/pojisteni-vypadku-prijmu\/\"><strong>poji\u0161t\u011bn\u00ed ztr\u00e1ty zam\u011bstn\u00e1n\u00ed<\/strong><\/a><strong> <\/strong>v omezen\u00e9m rozsahu. Tyto \u010d\u00e1stky ov\u0161em v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti nedostanete vy, ale rovnou<strong> banka<\/strong>, kter\u00e1 je pou\u017eije na <strong>splacen\u00ed zb\u00fdvaj\u00edc\u00edho dluhu<\/strong>. A samoz\u0159ejm\u011b d\u016fle\u017eit\u00fdm faktorem je zde i v\u00fd\u0161e pojistn\u00e9ho.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"kolik-stoji-pojisteni-k-hypotece\">Kolik stoj\u00ed poji\u0161t\u011bn\u00ed k hypot\u00e9ce?<\/h3>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet k hypot\u00e9ce se na<strong> z\u00e1klad\u011b pojistn\u00fdch \u010d\u00e1stek<\/strong> m\u016f\u017ee pohybovat nej\u010dast\u011bji v rozmez\u00ed <strong>1 500 &#8211; 2 500 K\u010d m\u011bs\u00ed\u010dn\u011b<\/strong>, ov\u0161em z m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky hypot\u00e9ky v\u00e1m sleva z \u00farokov\u00e9 sazby ukousne t\u0159eba<strong> jen ni\u017e\u0161\u00ed stovky korun<\/strong>. Nutn\u00e9 je toti\u017e po\u010d\u00edtat s t\u00edm, \u017ee banka v\u00e1m sn\u00ed\u017e\u00ed sazbu zpravidla o <strong>0,1 procentn\u00edho bodu<\/strong>, tud\u00ed\u017e ve v\u00fdsledku je sleva pouze kosmetick\u00e1 a <strong>celkem tedy zaplat\u00edte v\u00edce<\/strong>. A samoz\u0159ejm\u011b p\u0159i zru\u0161en\u00ed takov\u00e9ho poji\u0161t\u011bn\u00ed v pr\u016fb\u011bhu spl\u00e1cen\u00ed \u00fav\u011bru v\u00e1m banka zase napo\u010d\u00edt\u00e1 \u00faroky a spl\u00e1tky bez tohoto zv\u00fdhodn\u011bn\u00ed.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"vyplati-se-mit-pojisteni-k-hypotece\">Vyplat\u00ed se m\u00edt poji\u0161t\u011bn\u00ed k hypot\u00e9ce?&nbsp;<\/h3>\n\n\n\n<p>Chr\u00e1nit sv\u016fj z\u00e1vazek bance pro p\u0159\u00edpad, \u017ee nebudete moci ze zdravotn\u00edch d\u016fvod\u016f pracovat a spl\u00e1cet jako obvykle, je samoz\u0159ejm\u011b rozumn\u00e9. Vhodn\u011bj\u0161\u00ed ale je si poji\u0161t\u011bn\u00ed sjednat zvl\u00e1\u0161\u0165, a to zejm\u00e9na kv\u016fli <strong>\u0161\u00ed\u0159ce kryt\u00ed i v\u00fdplat\u011b p\u0159\u00edpadn\u00e9ho pln\u011bn\u00ed<\/strong>, kter\u00e9 jde v p\u0159\u00edpad\u011b \u017eivotn\u00edho poji\u0161t\u011bn\u00ed <strong>p\u0159\u00edmo v\u00e1m<\/strong>, nebo v\u00e1mi ur\u010den\u00e9mu obmy\u0161len\u00e9mu. Kr\u00fdt poji\u0161t\u011bn\u00edm nav\u00edc m\u016f\u017eete <strong>nejen \u00fav\u011br<\/strong> &#8211; poji\u0161t\u011bn\u00ed hypot\u00e9ky u banky sice umo\u0159\u00ed v\u00e1\u0161 dluh, ale nepom\u016f\u017ee s dal\u0161\u00edmi b\u011b\u017en\u00fdmi v\u00fddaji, kter\u00e9 nikam v dob\u011b l\u00e9\u010den\u00ed va\u0161\u00ed nemoci nebo \u00farazu nezmiz\u00ed.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"999\" height=\"562\" src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/themes\/breek\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/03\/smiling-woman-showing-male-colleague-tablet-screen-cafe-outdoors-1-1-1-edited.jpg\" alt=\"\u017eivotn\u00ed poji\u0161t\u011bn\u00ed hypot\u00e9ka\" class=\"wp-image-4013\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/03\/smiling-woman-showing-male-colleague-tablet-screen-cafe-outdoors-1-1-1-edited.jpg 999w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/03\/smiling-woman-showing-male-colleague-tablet-screen-cafe-outdoors-1-1-1-edited-300x169.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/03\/smiling-woman-showing-male-colleague-tablet-screen-cafe-outdoors-1-1-1-edited-768x432.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/03\/smiling-woman-showing-male-colleague-tablet-screen-cafe-outdoors-1-1-1-edited-100x56.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/03\/smiling-woman-showing-male-colleague-tablet-screen-cafe-outdoors-1-1-1-edited-700x394.jpg 700w\" data-sizes=\"(max-width: 999px) 100vw, 999px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jake-jsou-vyhody-samostatneho-zivotniho-pojisteni\">Jak\u00e9 jsou v\u00fdhody samostatn\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n<p>Vlastn\u00ed <a href=\"http:\/\/rixo.cz\/pojisteni-zivota\" target=\"_blank\" rel=\"noopener\">\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a> mimo banku v\u00e1m nab\u00edz\u00ed v\u00fdrazn\u011b v\u011bt\u0161\u00ed kontrolu nad vlastn\u00ed ochranou. M\u016f\u017eete si nastavit pojistn\u00e9 \u010d\u00e1stky tak, aby odpov\u00eddaly nejen hypot\u00e9ce, ale i dal\u0161\u00edm<strong> finan\u010dn\u00edm z\u00e1vazk\u016fm a pot\u0159eb\u00e1m rodiny<\/strong>. Samostatnost tohoto poji\u0161t\u011bn\u00ed je v\u00fdhodou i v jin\u00fdch aspektech &#8211; \u017eivotn\u00ed pojistka toti\u017e trv\u00e1 bez ohledu na to, u kter\u00e9 banky m\u00e1te \u00fav\u011br, zda ho <strong>refinancujete <\/strong>nebo t\u0159eba <strong>p\u0159ed\u010dasn\u011b splat\u00edte<\/strong>. Ocen\u00edte i modul\u00e1rn\u00ed povahu pojistky &#8211; tedy vlastn\u00ed volbu rizik, pojistn\u00fdch \u010d\u00e1stek a r\u016fzn\u00e9 kombinace jejich nastaven\u00ed.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-si-lze-pojistit-v-ramci-zivotniho-pojisteni\">Co si lze pojistit v r\u00e1mci \u017eivotn\u00edho poji\u0161t\u011bn\u00ed?<\/h3>\n\n\n\n<p>Zat\u00edmco u bank v r\u00e1mci poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet tak\u0159ka<strong> nenajdete<\/strong> komplexn\u00ed nab\u00eddku <strong>p\u0159ipoji\u0161t\u011bn\u00ed invalidit<\/strong> v\u0161ech stup\u0148\u016f,<strong> z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed<\/strong> a <strong>dal\u0161\u00edch rizik<\/strong>, u poji\u0161\u0165oven nen\u00ed probl\u00e9m si v\u0161e v r\u00e1mci jedn\u00e9 smlouvy pojistit &#8211; a to je\u0161t\u011b za <strong>v\u00fdhodn\u011bj\u0161\u00ed cenu<\/strong>. Naprostou samoz\u0159ejmost\u00ed je tak\u00e9 <strong>kop\u00edrov\u00e1n\u00ed spl\u00e1cen\u00ed dluhu<\/strong> pomoc\u00ed klesaj\u00edc\u00edch pojistn\u00fdch \u010d\u00e1stek u rizik invalidity a smrti.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"kolik-muze-zivotni-pojisteni-k-hypotece-stat\">Kolik m\u016f\u017ee \u017eivotn\u00ed poji\u0161t\u011bn\u00ed k hypot\u00e9ce st\u00e1t?&nbsp;<\/h3>\n\n\n\n<p>Jak m\u016f\u017ee \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro kryt\u00ed hypot\u00e9ky i jin\u00fdch z\u00e1vazk\u016f konkr\u00e9tn\u011b vypadat? Pod\u00edvejte se s n\u00e1mi na modelov\u00fd p\u0159\u00edklad<strong> nab\u00eddky poji\u0161t\u011bn\u00ed<\/strong> pro \u00fa\u010del kryt\u00ed hypot\u00e9ky ve v\u00fd\u0161i 3 000 000 K\u010d pro t\u0159icetilet\u00e9ho poji\u0161t\u011bn\u00e9ho a\u017e do 65 let v\u011bku. Limity ov\u0161em nastavujeme vy\u0161\u0161\u00ed, proto\u017ee cel\u00fd \u017eivot se neto\u010d\u00ed jen kolem hypot\u00e9ky.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Pojistn\u00e1 \u010d\u00e1stka<\/strong><\/td><td><strong>Cena m\u011bs\u00ed\u010dn\u011b<\/strong><\/td><\/tr><tr><td>Smrt ze v\u0161ech p\u0159\u00ed\u010din konstantn\u00ed<\/td><td>400 000 K\u010d<\/td><td>52 K\u010d<\/td><\/tr><tr><td>Smrt ze v\u0161ech p\u0159\u00ed\u010din klesaj\u00edc\u00ed<\/td><td>3 850 000 K\u010d<\/td><td>243 K\u010d<\/td><\/tr><tr><td>Invalidita III. stupn\u011b konstantn\u00ed<\/td><td>400 000 K\u010d<\/td><td>30 K\u010d<\/td><\/tr><tr><td>Invalidita III. stupn\u011b klesaj\u00edc\u00ed<\/td><td>6 000 000 K\u010d<\/td><td>387 K\u010d<\/td><\/tr><tr><td>Invalidita II. stupn\u011b konstantn\u00ed<\/td><td>400 000 K\u010d<\/td><td>15 K\u010d<\/td><\/tr><tr><td>Invalidita II. stupn\u011b klesaj\u00edc\u00ed<\/td><td>3 100 000 K\u010d<\/td><td>92 K\u010d<\/td><\/tr><tr><td>Invalidita I. stupn\u011b konstantn\u00ed&nbsp;<\/td><td>400 000 K\u010d<\/td><td>54 K\u010d<\/td><\/tr><tr><td>Invalidita I. stupn\u011b klesaj\u00edc\u00ed<\/td><td>2 600 000 K\u010d<\/td><td>236 K\u010d<\/td><\/tr><tr><td>Z\u00e1va\u017en\u00e9 nemoci<\/td><td>400 000 K\u010d<\/td><td>250 K\u010d<\/td><\/tr><tr><td>Trval\u00e9 n\u00e1sledky \u00farazu od 0,001 % t\u011blesn\u00e9ho po\u0161kozen\u00ed<\/td><td>550 000 K\u010d<\/td><td>66 K\u010d<\/td><\/tr><tr><td>Trval\u00e9 n\u00e1sledky \u00farazu od 10 % t\u011blesn\u00e9ho po\u0161kozen\u00ed<\/td><td>550 000 K\u010d<\/td><td>36 K\u010d<\/td><\/tr><tr><td><strong>Cena celkem<\/strong><\/td><td>&#8211;<\/td><td><strong>1433 K\u010d<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Solidn\u00ed pojistka, nemysl\u00edte? Spo\u010d\u00edtejte si, kolik m\u016f\u017ee st\u00e1t <a href=\"http:\/\/rixo.cz\/pojisteni-zivota\" target=\"_blank\" rel=\"noopener\"><strong>\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/a><strong> <\/strong>na m\u00edru pr\u00e1v\u011b v\u00e1s, a\u0165 u\u017e hypot\u00e9ku m\u00e1te, nebo o n\u00ed teprve p\u0159em\u00fd\u0161l\u00edte. Sta\u010d\u00ed jen vyplnit p\u00e1r d\u016fle\u017eit\u00fdch \u00fadaj\u016f a nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddky od 8 renomovan\u00fdch poji\u0161\u0165oven v\u00e1m najdeme b\u011bhem minutky.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size aligncenter\" style=\"font-size:18px\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/app.rixo.cz\/pojisteni-zivota\/zadost-zivot\/zakladni-udaje-zivot\" style=\"background-color:#605db5\" target=\"_blank\" rel=\"noopener\">Srovnat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>P\u0159i sjedn\u00e1v\u00e1n\u00ed hypot\u00e9ky se mnoho lid\u00ed setk\u00e1 s po\u017eadavkem banky na uzav\u0159en\u00ed poji\u0161t\u011bn\u00ed. Na prvn\u00ed pohled m\u016f\u017ee p\u016fsobit jako povinn\u00e9, ve skute\u010dnosti je ale situace slo\u017eit\u011bj\u0161\u00ed. Jak\u00e1 poji\u0161t\u011bn\u00ed po v\u00e1s m\u016f\u017ee banka skute\u010dn\u011b vy\u017eadovat a pro\u010d se vyplat\u00ed \u0159e\u0161it vlastn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed mimo banku?<\/p>\n","protected":false},"author":11,"featured_media":4011,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,8],"tags":[52,30],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4009"}],"collection":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=4009"}],"version-history":[{"count":3,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4009\/revisions"}],"predecessor-version":[{"id":4048,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4009\/revisions\/4048"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/4011"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=4009"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=4009"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=4009"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}