{"version":"1.0","provider_name":"FinGO.sk","provider_url":"https:\/\/www.fingo.sk\/blog","author_name":"Eva \u0160ablov\u00e1","author_url":"https:\/\/www.fingo.sk\/blog\/author\/eva-sablova\/","title":"Ako z\u00edska\u0165 hypot\u00e9ku po\u010das korona kr\u00edzy - FinGO.sk","type":"rich","width":600,"height":338,"html":"<blockquote class=\"wp-embedded-content\" data-secret=\"x1peSGHdnx\"><a href=\"https:\/\/www.fingo.sk\/blog\/ako-ziskat-hypoteku-pocas-korona-krizy\/\">Ako z\u00edska\u0165 hypot\u00e9ku po\u010das korona kr\u00edzy<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/www.fingo.sk\/blog\/ako-ziskat-hypoteku-pocas-korona-krizy\/embed\/#?secret=x1peSGHdnx\" width=\"600\" height=\"338\" title=\"&#8220;Ako z\u00edska\u0165 hypot\u00e9ku po\u010das korona kr\u00edzy&#8221; &#8212; FinGO.sk\" data-secret=\"x1peSGHdnx\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script type=\"text\/javascript\">\n\/*! This file is auto-generated *\/\n!function(c,d){\"use strict\";var e=!1,o=!1;if(d.querySelector)if(c.addEventListener)e=!0;if(c.wp=c.wp||{},c.wp.receiveEmbedMessage);else if(c.wp.receiveEmbedMessage=function(e){var t=e.data;if(!t);else if(!(t.secret||t.message||t.value));else if(\/[^a-zA-Z0-9]\/.test(t.secret));else{for(var r,s,a,i=d.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),n=d.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),o=new RegExp(\"^https?:$\",\"i\"),l=0;l<n.length;l++)n[l].style.display=\"none\";for(l=0;l<i.length;l++)if(r=i[l],e.source!==r.contentWindow);else{if(r.removeAttribute(\"style\"),\"height\"===t.message){if(1e3<(s=parseInt(t.value,10)))s=1e3;else if(~~s<200)s=200;r.height=s}if(\"link\"===t.message)if(s=d.createElement(\"a\"),a=d.createElement(\"a\"),s.href=r.getAttribute(\"src\"),a.href=t.value,!o.test(a.protocol));else if(a.host===s.host)if(d.activeElement===r)c.top.location.href=t.value}}},e)c.addEventListener(\"message\",c.wp.receiveEmbedMessage,!1),d.addEventListener(\"DOMContentLoaded\",t,!1),c.addEventListener(\"load\",t,!1);function t(){if(o);else{o=!0;for(var e,t,r,s=-1!==navigator.appVersion.indexOf(\"MSIE 10\"),a=!!navigator.userAgent.match(\/Trident.*rv:11\\.\/),i=d.querySelectorAll(\"iframe.wp-embedded-content\"),n=0;n<i.length;n++){if(!(r=(t=i[n]).getAttribute(\"data-secret\")))r=Math.random().toString(36).substr(2,10),t.src+=\"#?secret=\"+r,t.setAttribute(\"data-secret\",r);if(s||a)(e=t.cloneNode(!0)).removeAttribute(\"security\"),t.parentNode.replaceChild(e,t);t.contentWindow.postMessage({message:\"ready\",secret:r},\"*\")}}}}(window,document);\n<\/script>\n","thumbnail_url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/05\/hypoteka.jpg","thumbnail_width":1696,"thumbnail_height":1179,"description":"Pand\u00e9mia koronav\u00edrusu mnoh\u00fdm Slov\u00e1kom skr\u00ed\u017eila pl\u00e1ny s b\u00fdvan\u00edm. Hovor\u00ed sa o kr\u00edze, zastaven\u00e9 s\u00fa niektor\u00e9 odvetvia ekonomiky a mnoh\u00ed \u013eudia maj\u00fa v\u00e1\u017ene finan\u010dn\u00e9 probl\u00e9my. Neist\u00e1 situ\u00e1cia priniesla obavy, \u010di klienti &#8211; dl\u017en\u00edci alebo \u017eiadatelia o \u00faver dok\u00e1\u017eu spl\u00e1ca\u0165 svoje z\u00e1v\u00e4zky, preto sa banky za\u010dali chr\u00e1ni\u0165 a \u00favery poskytuj\u00fa opatrnej\u0161ie. Kto m\u00e1 teraz \u0161ancu na hypot\u00e9ku a kto na \u0148u m\u00f4\u017ee zabudn\u00fa\u0165?\u00a0\u00a0 Banky v s\u00fa\u010dasnosti neposkytn\u00fa \u00faver ka\u017ed\u00e9mu ako sme boli mo\u017eno zvyknut\u00ed za posledn\u00e9 \u00faverovaniu priaznivo naklonen\u00e9 roky. Chr\u00e1nia tak seba, ale aj klientov. Mnoh\u00ed \u013eudia si aj po\u010das korona kr\u00edzy tr\u00fafaj\u00fa na pomerne vysok\u00e9 zadl\u017eovanie, hoci nemaj\u00fa prakticky \u017eiadne istoty oh\u013eadom stability svojich pr\u00edjmov. Hypotek\u00e1rnych obmedzen\u00ed je pomerne dos\u0165 a ka\u017ed\u00e1 banka m\u00e1 svoj vlastn\u00fd k\u013e\u00fa\u010d na ur\u010dovanie miery rizikovosti jednotliv\u00fdch klientov.\u00a0 TIP: Preto je dnes o to efekt\u00edvnej\u0161ie, ak pri uva\u017eovan\u00ed nad hypot\u00e9kou oslov\u00edte sk\u00fasen\u00e9ho finan\u010dn\u00e9ho sprostredkovate\u013ea, ktor\u00fd pozn\u00e1 cel\u00fd bankov\u00fd trh a vie lep\u0161ie zhodnoti\u0165 va\u0161e \u0161ance z\u00edska\u0165 \u00faver. \u010co si banky viac preveruj\u00fa Banky za\u010dali pr\u00edsnej\u0161ie posudzova\u0165 \u017eiadate\u013eov o hypot\u00e9ku hlavne z poh\u013eadu zdroja a stability ich pr\u00edjmov. Banky sk\u00famaj\u00fa nielen to, ak\u00fd ste mali pr\u00edjem za posledn\u00e9 obdobie, ale d\u00f4slednej\u0161ie zva\u017euj\u00fa, \u010di v\u00e1\u0161 pr\u00edjem bude rovnako stabiln\u00fd aj v bud\u00facnosti.\u00a0 V\u00e4\u010d\u0161ina b\u00e1nk identifikovala najrizikovej\u0161ie skupiny [&hellip;]"}