{"id":168,"date":"2018-05-28T12:54:36","date_gmt":"2018-05-28T10:54:36","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=168"},"modified":"2022-03-08T15:45:40","modified_gmt":"2022-03-08T14:45:40","slug":"oplati-sa-vam-refinancovanie-uveru","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/oplati-sa-vam-refinancovanie-uveru\/","title":{"rendered":"Oplat\u00ed sa v\u00e1m refinancovanie \u00faveru?"},"content":{"rendered":"

Mo\u017eno ste v situ\u00e1cii, kedy uva\u017eujete, ako si \u201euprata\u0165\u201c svoje \u00faverov\u00e9 spl\u00e1tky. Mo\u017eno ste po\u017eiadali o \u010fal\u0161\u00ed \u00faver, ale banka v\u00e1m ho zamietla, preto\u017ee u\u017e m\u00e1te viacero spl\u00e1tok a finan\u010dne to u\u017e \u201enevy\u0161lo\u201c. Alebo sa v\u00e1m nep\u00e1\u010di, \u017ee v\u00e1m banka pri v\u00fdro\u010d\u00ed fix\u00e1cie diktuje podmienky, s ktor\u00fdmi nes\u00fahlas\u00edte. Rie\u0161en\u00edm pre v\u00e1s m\u00f4\u017ee by\u0165 refinancovanie \u00faveru.<\/b><\/h3>\n

Pozrime sa bli\u017e\u0161ie na to, \u010do refinancovanie \u00faveru vlastne je a na \u010do sl\u00fa\u017ei.<\/p>\n

Modelov\u00e1 situ\u00e1cia \u010d.1:<\/strong><\/h3>\n

Pred nieko\u013ek\u00fdmi rokmi ste si k\u00fapili nehnute\u013enos\u0165, ktor\u00fa ste financovali prostredn\u00edctvom hypotek\u00e1rneho \u00faveru. V tom \u010dase bol \u00faver mo\u017eno v\u00fdhodn\u00fd, dnes v\u0161ak na trhu banky be\u017ene pon\u00fakaj\u00fa \u00favery s \u00farokom, ktor\u00fd je v\u00fdrazne ni\u017e\u0161\u00ed ako \u00farok na \u00favere, ktor\u00fd moment\u00e1lne spl\u00e1cate. Ak\u00e9 s\u00fa va\u0161e mo\u017enosti?<\/p>\n

\u201eV prvom rade odpor\u00fa\u010dam klientom, ktor\u00ed maj\u00fa pocit, \u017ee banka na nich neprimerane zar\u00e1ba, za\u010da\u0165 t\u00fato situ\u00e1ciu rie\u0161i\u0165 hne\u010f. <\/i>Klient m\u00e1 mo\u017enos\u0165 refinancova\u0165 svoj existuj\u00faci \u00faver nielen v obdob\u00ed v\u00fdro\u010dia fix\u00e1cie, ale prakticky kedyko\u013evek,\u201c <\/i><\/b>hovor\u00ed Martin Bittara zo spolo\u010dnosti FinGO.sk.<\/a><\/p>\n

Cie\u013eom refinancovania je nahradi\u0165 drah\u00fd \u00faver lacnej\u0161\u00edm<\/b> a t\u00fdm si zn\u00ed\u017ei\u0165 mesa\u010dn\u00fa spl\u00e1tku. Martin Bittara v\u0161ak upozor\u0148uje: \u201ePre v\u00e4\u010d\u0161inu klientov je jedin\u00fdm d\u00f4vodom k refinancovaniu v\u00fd\u0161ka \u00faroku. Refinancovanie m\u00e1 v\u0161ak pre klienta cel\u00fd rad \u010fal\u0161\u00edch v\u00fdhod. Pri refinancovan\u00ed si napr\u00edklad klient m\u00f4\u017ee nav\u00fd\u0161i\u0165 existuj\u00faci \u00faver a\u017e o 5 % (maxim\u00e1lne v\u0161ak 2 000 \u20ac) bez toho, aby musel dokladova\u0165 v\u00fd\u0161ku pr\u00edjmu. Klient m\u00e1 tie\u017e mo\u017enos\u0165 natiahnu\u0165 dobu spl\u00e1cania, v niektor\u00fdch bank\u00e1ch dokonca a\u017e na 40 rokov, pred\u013a\u017ei\u0165 fix\u00e1ciu \u00faveru \u010di zmeni\u0165 \u010fal\u0161ie produkty a slu\u017eby, ktor\u00e9 m\u00e1 okolo hypot\u00e9ky, za v\u00fdhodnej\u0161ie. A to v\u0161etko ve\u013emi <\/i>jednoducho, bez dokladovania v\u00fd\u0161ky pr\u00edjmu a zbyto\u010dn\u00fdch papierova\u010diek.\u201c<\/i><\/b><\/p>\n

Refinancova\u0165 hypot\u00e9ku sa v\u00e1m m\u00f4\u017ee v\u00fdrazne oplati\u0165 aj vtedy, ke\u010f si pred\u013a\u017eite fix\u00e1ciu \u00faveru, hoci va\u0161a mesa\u010dn\u00e1 spl\u00e1tka zostane rovnak\u00e1. Zafixovan\u00edm dne\u0161n\u00fdch n\u00edzkych \u00farokov\u00fdch sadzieb<\/b> na p\u00e4\u0165 pr\u00edpadne viac rokov z\u00edskate istotu<\/b>, \u017ee sa va\u0161a spl\u00e1tka po\u010das tohto obdobia nezmen\u00ed, nech sa deje \u010doko\u013evek.<\/p>\n

Naopak, ak nepl\u00e1nujete nav\u00fd\u0161i\u0165 svoj existuj\u00faci \u00faver \u010di zmeni\u0165 \u010fal\u0161ie podmienky \u00faveru a rozdiel v \u00farokovej miere je iba nieko\u013eko desatiniek percenta, nemus\u00ed sa v\u00e1m refinancovanie v\u00f4bec oplati\u0165. \u00daspora, ktor\u00fa refinancovan\u00edm z\u00edskate, v\u00e1m m\u00f4\u017ee vysta\u010di\u0165 iba na poplatky za pred\u010dasn\u00e9 splatenie \u00faveru, ktor\u00e9 svojej banke zaplat\u00edte.<\/p>\n

\"Fingo.sk<\/a><\/p>\n

Refinancovanie \u00faveru je z\u00e1le\u017eitos\u0165, ku ktorej treba pristupova\u0165 komplexne<\/b> a d\u00f4kladne zva\u017eova\u0165 v\u0161etky okolnosti. Jednoduch\u00e9 porovnanie mo\u017enost\u00ed refinancovania \u00faveru si m\u00f4\u017eete spravi\u0165 aj sami cez online porovn\u00e1va\u010d.<\/a> Ak sa v\u0161ak u\u017e rozhodnete refinancova\u0165 svoju hypot\u00e9ku, najlep\u0161ie je poradi\u0165 sa vopred s finan\u010dn\u00fdm odborn\u00edkom. Mysl\u00ed si to aj Bittara: \u201eKlientom v\u017edy <\/i>odpor\u00fa\u010dam poradi\u0165 sa najsk\u00f4r so sk\u00fasen\u00fdm finan\u010dn\u00fdm sprostredkovate\u013eom<\/i><\/b>, ktor\u00fd dok\u00e1\u017ee nestranne pos\u00fadi\u0165 v\u0161etky podmienky a doporu\u010di\u0165, kedy, kde a \u010di v\u00f4bec sa konkr\u00e9tnemu klientovi refinancovanie \u00faveru oplat\u00ed.\u201c <\/i><\/p>\n

Modelov\u00e1 situ\u00e1cia \u010d.2<\/strong><\/h3>\n

V minulosti ste sa nieko\u013ekokr\u00e1t dostali do situ\u00e1cie, \u017ee ste s\u00farne potrebovali men\u0161iu sumu pe\u0148az\u00ed a tak ste vyu\u017eili mo\u017enos\u0165 r\u00fdchlych p\u00f4\u017ei\u010diek. Dnes spl\u00e1cate p\u00f4\u017ei\u010dku od nebankovej in\u0161tit\u00facie, leasing na auto, spotrebn\u00fd \u00faver aj stavebn\u00e9 sporenie. \u0160tyri \u00favery, ktor\u00e9 \u017eer\u00fa peniaze a aj ke\u010f s\u00fa na krat\u0161iu dobu, va\u0161e mesa\u010dn\u00e9 spl\u00e1tky s\u00fa vysok\u00e9 a vy sa nedok\u00e1\u017eete vymani\u0165 z tohto koloto\u010da. \u010co sa s t\u00fdm d\u00e1 robi\u0165?<\/p>\n

\u201eIde\u00e1lnym rie\u0161en\u00edm pre tak\u00fdchto klientov je <\/i>konsolid\u00e1cia,<\/i><\/b>\u201c <\/i>hovor\u00ed Martin Bittara. <\/i>\u201eIde o \u00a0zl\u00fa\u010denie dvoch alebo viacer\u00fdch \u00faverov do jedn\u00e9ho, s cie\u013eom zn\u00ed\u017ei\u0165 si mesa\u010dn\u00fa spl\u00e1tku a u\u0161etri\u0165.\u201c<\/i><\/b><\/p>\n

Aj konsolid\u00e1ciu viacer\u00fdch \u00faverov vedia vybran\u00e9 banky \u010dasto urobi\u0165 bez dokladovania pr\u00edjmu. Preto ak m\u00e1te viacero spl\u00e1tok, v r\u00f4znych in\u0161tit\u00faci\u00e1ch, akon\u00e1hle m\u00e1te pri nich vy\u0161\u0161\u00ed \u00farok ako na hypot\u00e9ke a m\u00e1te nehnute\u013enos\u0165, ktor\u00fa m\u00f4\u017eete zalo\u017ei\u0165, v\u017edy sa v\u00e1m oplat\u00ed zabali\u0165 ich do hypot\u00e9ky a t\u00fdm v\u00fdrazne u\u0161etri\u0165.<\/p>\n

Hypot\u00e9ka je v s\u00fa\u010dasnosti najlacnej\u0161\u00ed \u00faverov\u00fd produkt na trhu a tak\u00fdmto krokom si m\u00f4\u017eete zn\u00ed\u017ei\u0165 spl\u00e1tky pokojne aj o polovicu.<\/b> T\u00fdm, \u017ee budete spl\u00e1ca\u0165 iba jeden \u00faver si navy\u0161e v\u00fdrazne spreh\u013eadn\u00edte rodinn\u00fd rozpo\u010det<\/b> a zjednodu\u0161\u00edte pl\u00e1novanie v\u00fddavkov.<\/b><\/p>\n

Chcete zisti\u0165, ko\u013eko m\u00f4\u017eete pri refinancovan\u00ed svojich existuj\u00facich \u00faverov u\u0161etri\u0165? Kliknite na na\u0161u jednoduch\u00fa online kalkula\u010dku<\/a> a porovnajte si, v ktorej banke sa v\u00e1m najviac oplat\u00ed refinancova\u0165 svoje \u00favery.<\/p>\n

Ak sami nedok\u00e1\u017eete komplexne zhodnoti\u0165 v\u0161etky podmienky, na\u0161i \u0161pecialisti v\u00e1m radi poradia, ktor\u00e1 banka v\u00e1m preplat\u00ed poplatok za pred\u010dasn\u00e9 splatenie \u00faveru<\/b> a \u010di sa v\u00e1m oplat\u00ed refinancova\u0165 svoje \u00favery dnes, alebo po\u010dka\u0165 na v\u00fdro\u010die fix\u00e1cie. A aby toho nebolo m\u00e1lo, na\u0161i \u0161pecialisti sa vedia pozrie\u0165 aj na to, ako sa zbavi\u0165 men\u0161\u00edch, nev\u00fdhodn\u00fdch \u00faverov a v\u0161etko to pekne zabali\u0165 do jednej spl\u00e1tky<\/b>.<\/p>\n

Zistite, ko\u013eko m\u00f4\u017eete u\u0161etri\u0165 na FinGO.sk<\/a> a zn\u00ed\u017ete si svoje spl\u00e1tky e\u0161te dnes. <\/b><\/p>\n","protected":false},"excerpt":{"rendered":"

Mo\u017eno ste v situ\u00e1cii, kedy uva\u017eujete, ako si \u201euprata\u0165\u201c svoje \u00faverov\u00e9 spl\u00e1tky. Mo\u017eno ste po\u017eiadali o \u010fal\u0161\u00ed \u00faver, ale banka v\u00e1m ho zamietla, preto\u017ee u\u017e m\u00e1te viacero spl\u00e1tok a finan\u010dne to u\u017e \u201enevy\u0161lo\u201c. Alebo sa v\u00e1m nep\u00e1\u010di, \u017ee v\u00e1m banka pri v\u00fdro\u010d\u00ed fix\u00e1cie diktuje podmienky, s ktor\u00fdmi nes\u00fahlas\u00edte. Rie\u0161en\u00edm pre v\u00e1s m\u00f4\u017ee by\u0165 refinancovanie \u00faveru.<\/p>\n","protected":false},"author":11,"featured_media":169,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[3,5],"tags":[41,40,42],"yoast_head":"\nOplat\u00ed sa v\u00e1m refinancovanie \u00faveru? - FinGO.sk<\/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.fingo.sk\/blog\/oplati-sa-vam-refinancovanie-uveru\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Oplat\u00ed sa v\u00e1m refinancovanie \u00faveru? - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Mo\u017eno ste v situ\u00e1cii, kedy uva\u017eujete, ako si \u201euprata\u0165\u201c svoje \u00faverov\u00e9 spl\u00e1tky. Mo\u017eno ste po\u017eiadali o \u010fal\u0161\u00ed \u00faver, ale banka v\u00e1m ho zamietla, preto\u017ee u\u017e m\u00e1te viacero spl\u00e1tok a finan\u010dne to u\u017e \u201enevy\u0161lo\u201c. Alebo sa v\u00e1m nep\u00e1\u010di, \u017ee v\u00e1m banka pri v\u00fdro\u010d\u00ed fix\u00e1cie diktuje podmienky, s ktor\u00fdmi nes\u00fahlas\u00edte. 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