{"id":2078,"date":"2020-03-12T19:46:29","date_gmt":"2020-03-12T18:46:29","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=2078"},"modified":"2020-04-27T15:11:14","modified_gmt":"2020-04-27T13:11:14","slug":"odlozenie-splatok-uveru-nie-je-bez-rizika","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/odlozenie-splatok-uveru-nie-je-bez-rizika\/","title":{"rendered":"Spl\u00e1tky \u00faveru si m\u00f4\u017eete odlo\u017ei\u0165. Nie je to bez rizika"},"content":{"rendered":"<p>Aktualizovan\u00e9 21.4.2020:<\/p>\n<p><b>\u0160\u00edriaca sa pand\u00e9mia koronav\u00edrusu v\u00fdrazne zasiahla do n\u00e1\u0161ho ka\u017edodenn\u00e9ho \u017eivota. Vl\u00e1da\u00a0od pondelka 16. 3. zatvorila \u0161koly na celom Slovensku, a\u00a0tak mnoh\u00ed rodi\u010dia nepl\u00e1novane ostali doma. Kto nem\u00e1 home office a\u00a0nechce si vy\u010derpa\u0165 dovolenku, skon\u010dil povinne na O\u010cR-ke a na PN-ke. Tis\u00edcky rod\u00edn tak pri\u0161li o\u00a0\u010das\u0165 svojich pr\u00edjmov, \u010do m\u00f4\u017ee ohrozi\u0165 aj spl\u00e1canie ich \u00faverov. Ako to vyrie\u0161i\u0165?<\/b><\/p>\n<p><b>Ide\u00e1lnou mo\u017enos\u0165ou je v tomto pr\u00edpade siahnu\u0165 na finan\u010dn\u00fa rezervu alebo vyu\u017ei\u0165 plnenie zo \u017eivotnej poistky.<\/b><span style=\"font-weight: 400;\"> Realita je v\u0161ak tak\u00e1, \u017ee nie ka\u017ed\u00fd z\u00a0n\u00e1s je takto pripraven\u00fd na podobn\u00e9 neo\u010dak\u00e1van\u00e9 situ\u00e1cie. Aj preto u\u017e viacer\u00e9 banky v\u00a0Eur\u00f3pe kv\u00f4li koronav\u00edrusu <\/span><b>umo\u017e\u0148uj\u00fa \u013eu\u010fom odlo\u017ei\u0165 ich spl\u00e1tky \u00faverov<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span>Vl\u00e1da SR sa dohodla aj so slovensk\u00fdmi bankami, \u017ee na \u017eiados\u0165 klienta poskytn\u00fa\u00a0<strong>odklad spl\u00e1tok a\u017e o 9 mesiacov.<\/strong>\u00a0Z\u00e1kon o odklade spl\u00e1tok nadobudol \u00fa\u010dinnos\u0165 9. apr\u00edla<strong>.<\/strong><\/p>\n<p><strong>TIP:<\/strong> Ak si chcete zn\u00ed\u017ei\u0165 mesa\u010dn\u00fa spl\u00e1tku hypot\u00e9ky \u010di spotrebn\u00e9ho \u00faveru, vysk\u00fa\u0161ajte najsk\u00f4r in\u00e9 mo\u017enosti, napr\u00edklad po\u017eiadajte banku o <strong>prehodnotenie v\u00e1\u0161ho \u00faroku, sk\u00faste \u00faver refinancova\u0165 alebo spoji\u0165 viac \u00faverov do jedn\u00e9ho<\/strong>. Pre\u010do m\u00f4\u017eu by\u0165 tieto mo\u017enosti v\u00fdhodnej\u0161ie, si m\u00f4\u017eete pre\u010d\u00edta\u0165 <strong><a href=\"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/\">TU<\/a><\/strong>.<\/p>\n<p>Potrebujete poradi\u0165? Nechajte n\u00e1m kontakt, my sa v\u00e1m ozveme.<br \/>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/2078#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/p>\n<p><em>\u010cl\u00e1nok priebe\u017ene aktualizujeme.<\/em><\/p>\n<h3><span style=\"color: #eb8124;\"><b>7 krokov, ako postupova\u0165 pri odklade spl\u00e1tok<\/b><\/span><\/h3>\n<ol>\n<li>Ak viete, \u017ee budete ma\u0165 probl\u00e9m so spl\u00e1can\u00edm svojich \u00faverov, <strong>zv\u00e1\u017ete \u017eiados\u0165 o odklad spl\u00e1tok<\/strong>. Odpor\u00fa\u010dame v\u00e1m, aby ste vyu\u017eili inform\u00e1cie na internetovej str\u00e1nke banky, v ktorej m\u00e1te \u00faver. Takmer v\u0161etky banky umo\u017e\u0148uj\u00fa po\u017eiada\u0165 o odklad elektronicky. Nemus\u00edte teda chodi\u0165 na pobo\u010dku banky. Odklad spl\u00e1tok bude mo\u017en\u00fd po\u010das celej doby pand\u00e9mie.<\/li>\n<li><b>Banka v\u00e1m v r\u00e1mci z\u00e1kona umo\u017en\u00ed odklad spl\u00e1tok \u00faveru\u00a0<\/b>aj v pr\u00edpade, ak u\u017e ste v ome\u0161kan\u00ed so spl\u00e1tkou \u00faveru, najviac v\u0161ak 30 dn\u00ed. Rovnako tak nesmiete by\u0165 v ome\u0161kan\u00ed so sumou viac ako 100 eur pri inom \u00favere v tej istej banke.\u00a0Odklad spl\u00e1tok sa net\u00fdka kreditn\u00fdch kariet \u010di povolen\u00e9ho pre\u010derpania \u00fa\u010dtu.<\/li>\n<li>Odklad spl\u00e1tok \u00faveru je <strong>bezplatn\u00fd a bez negat\u00edvneho z\u00e1znamu<\/strong> v \u00faverovom registri. K \u017eiadosti nepotrebujete dokladova\u0165 <strong>\u017eiadne potvrdenie<\/strong> o PN \u010di strate zamestnania.<\/li>\n<li>V \u017eiadosti si zvol\u00edte, na<strong> ak\u00fa dobu odklad po\u017eadujete<\/strong> &#8211; spl\u00e1tky si v pr\u00edpade bankov\u00fdch \u00faverov (hypot\u00e9ky \u010di spotrebn\u00e9 \u00favery) pritom m\u00f4\u017eete odlo\u017ei\u0165 maxim\u00e1lne o 9 mesiacov. V pr\u00edpade nebankov\u00fdch \u00faverov ako s\u00fa l\u00edzingov\u00e9 spl\u00e1tky \u010di p\u00f4\u017ei\u010dky nebankov\u00fdch spolo\u010dnost\u00ed je odklad povolen\u00fd na 3 mesiace s mo\u017enos\u0165ou pred\u013a\u017eenia odkladu o \u010fal\u0161ie 3 mesiace.<\/li>\n<li>Ak spln\u00edte podmienky, banka v\u00e1m <strong>schv\u00e1li odklad celej spl\u00e1tky \u00faveru<\/strong>, teda istiny aj \u00faroku. Odlo\u017een\u00e9 spl\u00e1tky tak zaplat\u00edte na konci obdobia splatnosti \u00faveru. Celkov\u00e1 <strong>splatnos\u0165 \u00faveru sa<\/strong>\u00a0ale o dobu odkladu <strong>pred\u013a\u017ei<\/strong>.<\/li>\n<li>Po\u010das obdobia odkladu sa<strong> \u00faver na\u010falej \u00faro\u010d\u00ed<\/strong>. Tieto \u00faroky bud\u00fa po odklade rozpo\u010d\u00edtan\u00e9 do zvy\u0161n\u00fdch spl\u00e1tok. Preto treba po\u010d\u00edta\u0165 s <strong>nav\u00fd\u0161en\u00edm spl\u00e1tok po ukon\u010den\u00ed odkladu<\/strong>.<\/li>\n<li>Banka v\u00e1m po\u010das odkladu za\u0161le inform\u00e1ciu o tom, <strong>ak\u00e1 bude va\u0161a nov\u00e1 spl\u00e1tka<\/strong> vr\u00e1tane \u00farokov, ktor\u00e9 mus\u00edte nesk\u00f4r zaplati\u0165. Rovnako je banka povinn\u00e1 informova\u0165 v\u00e1s o v\u00fd\u0161ke \u00farokov po\u010das odkladu.<\/li>\n<\/ol>\n<blockquote><p>POZOR! Ak sa rozhodnete pre odklad spl\u00e1tok, <strong>odpor\u00fa\u010dame v\u00e1m vyu\u017ei\u0165 maxim\u00e1lnu dobu<\/strong>. Po\u017eiada\u0165 o tento typ odkladu nie je mo\u017en\u00e9 viackr\u00e1t. V pr\u00edpade zlep\u0161enia situ\u00e1cie ale m\u00f4\u017eete odklad bez probl\u00e9mov <strong>ukon\u010di\u0165 sk\u00f4r<\/strong> ozn\u00e1men\u00edm banke, \u017ee chcete pokra\u010dova\u0165 v spl\u00e1can\u00ed \u00faveru.<b>\u00a0<\/b><\/p><\/blockquote>\n<h3><span style=\"color: #eb8124;\"><b>Z\u00e1znam v \u00faverovom registri<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ak sa rozhodnete pre odklad spl\u00e1tok pod\u013ea tohto z\u00e1kona, nebude to ma\u0165 negat\u00edvny dopad na v\u00e1\u0161 <strong>z\u00e1znam v \u00faverovom registri<\/strong>. Bude v \u0148om uveden\u00e1 <strong>pozn\u00e1mka COVID-19<\/strong>, pod\u013ea ktorej bud\u00fa banky v bud\u00facnosti vedie\u0165, \u017ee ste mali odlo\u017een\u00e9 spl\u00e1tky pod\u013ea \u0161t\u00e1tom povolen\u00fdch pravidiel. <\/span><span style=\"font-weight: 400;\">Na rozdiel od \u0161tandardn\u00e9ho odkladu spl\u00e1tok, ktor\u00fd banky poskytovali v pr\u00edpade zdokladovanej \u0165a\u017ekej \u017eivotnej situ\u00e1cie klienta aj pred pand\u00e9miou, takto <strong>odlo\u017een\u00e9 spl\u00e1tky by nemali ma\u0165 vplyv na va\u0161e hodnotenie<\/strong> v bud\u00facnosti.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pokia\u013e nie ste spokojn\u00fd so s\u00fa\u010dasnou \u00farokovou sadzbou, pr\u00edpadn\u00e9 <strong>refinancovanie existuj\u00faceho \u00faveru<\/strong> v\u0161ak m\u00f4\u017ee by\u0165 z d\u00f4vodu preru\u0161enia spl\u00e1cania <strong>ohrozen\u00e9<\/strong>. Mnoh\u00e9 banky bud\u00fa po\u017eadova\u0165, aby ste po odklade spl\u00e1tok za\u010dali \u00faver op\u00e4\u0165 spl\u00e1ca\u0165. Je mo\u017en\u00e9, \u017ee \u017eiados\u0165 o refinancovanie tak\u00e9hoto \u00faveru akceptuj\u00fa a\u017e <strong>po nieko\u013ek\u00fdch mesiacoch<\/strong>, obzvl\u00e1\u0161\u0165 ak nebudete vedie\u0165 zdokladova\u0165 v\u00fd\u0161ku v\u00e1\u0161ho pr\u00edjmu.<br \/>\n<\/span><\/p>\n<h3><span style=\"color: #ec8124;\">Odklad spl\u00e1tok ako posledn\u00e1 mo\u017enos\u0165<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Len <strong>bud\u00facnos\u0165 uk\u00e1\u017ee, ako sa banky bud\u00fa pozera\u0165 na klientov<\/strong>, ktor\u00ed sa teraz pre odklad spl\u00e1tok rozhodli. \u010ci ich bud\u00fa pova\u017eova\u0165 za viac rizikov\u00fdch a predsa len toto rozhodnutie ovplyvn\u00ed ich \u00faverov\u00e9 mo\u017enosti alebo z\u00edskan\u00fd rating. Ten m\u00e1 potom vplyv nielen na to, ak\u00fa \u00farokov\u00fa sadzbu v\u00e1m banka prizn\u00e1, ale aj na to, \u010di dostanete \u00faver v po\u017eadovanej v\u00fd\u0161ke.<br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Preto <strong>odpor\u00fa\u010dame siahnu\u0165 po odklade spl\u00e1tok ako <a href=\"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/\">po poslednej mo\u017enosti<\/a><\/strong>. Okrem obmedzenia mo\u017enosti refinancova\u0165 tak\u00fdto \u00faver nov\u00fdm, treba po\u010d\u00edta\u0165 s nav\u00fd\u0161en\u00edm spl\u00e1tok v bud\u00facnosti.<\/span><\/p>\n<h3><span style=\"color: #eb8124;\"><b>Ak si neviete rady so spl\u00e1can\u00edm, pom\u00f4\u017eeme v\u00e1m<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ako sme pop\u00edsali vy\u0161\u0161ie, odklad spl\u00e1tok na \u00favere nie je \u201ebezprobl\u00e9mov\u00e9\u201c rie\u0161enie. Uvedomte si, \u017ee po ukon\u010den\u00ed odkladu<\/span><b> budete musie\u0165 nezaplaten\u00e9 spl\u00e1tky banke tak \u010di tak vr\u00e1ti\u0165<\/b><span style=\"font-weight: 400;\">. Va\u0161a mesa\u010dn\u00e1 spl\u00e1tka na hypot\u00e9ke \u010di p\u00f4\u017ei\u010dke sa t\u00fdm zv\u00fd\u0161i, tak\u017ee e\u0161te viac za\u0165a\u017e\u00ed v\u00e1\u0161 rodinn\u00fd rozpo\u010det. V \u017eiadnom pr\u00edpade nejde o odpustenie spl\u00e1tok!<\/span><b>\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Ak si neviete rady so spl\u00e1tkami, \u010di u\u017e kv\u00f4li ne\u010dakan\u00e9mu v\u00fdpadku pr\u00edjmu v\u00a0s\u00favislosti s\u00a0koronav\u00edrusom alebo z in\u00e9ho d\u00f4vodu, rie\u0161en\u00edm m\u00f4\u017ee by\u0165 aj <\/span><b>refinancovanie alebo konsolid\u00e1cia \u00faverov<\/b><span style=\"font-weight: 400;\">. Obr\u00e1\u0165te sa na sk\u00fasen\u00e9ho finan\u010dn\u00e9ho sprostredkovate\u013ea tak, ako to rob\u00ed st\u00e1le viac Slov\u00e1kov. Makl\u00e9ri z FinGO.sk klientom pom\u00e1haj\u00fa aj v\u00a0tak\u00fdchto situ\u00e1ci\u00e1ch &#8211; jednak v tom, ako sa na ne pripravi\u0165 a ke\u010f pr\u00eddu, tak ich rozumne vyrie\u0161i\u0165.\u00a0Na\u0161e slu\u017eby s\u00fa bezplatn\u00e9. Zavolajte n\u00e1m na <\/span><b>0800 60 10 60<\/b><span style=\"font-weight: 400;\"> alebo n\u00e1m <a href=\"https:\/\/www.fingo.sk\/financne-poradenstvo#mapa\">zanechajte va\u0161e \u00fadaje<\/a> a\u00a0my sa v\u00e1m ozveme.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aktualizovan\u00e9 21.4.2020: \u0160\u00edriaca sa pand\u00e9mia koronav\u00edrusu v\u00fdrazne zasiahla do n\u00e1\u0161ho ka\u017edodenn\u00e9ho \u017eivota. Vl\u00e1da\u00a0od pondelka 16. 3. zatvorila \u0161koly na celom Slovensku, a\u00a0tak mnoh\u00ed rodi\u010dia nepl\u00e1novane ostali doma. Kto nem\u00e1 home office a\u00a0nechce si vy\u010derpa\u0165 dovolenku, skon\u010dil povinne na O\u010cR-ke a na PN-ke. Tis\u00edcky rod\u00edn tak pri\u0161li o\u00a0\u010das\u0165 svojich pr\u00edjmov, \u010do m\u00f4\u017ee ohrozi\u0165 aj spl\u00e1canie ich \u00faverov. Ako to vyrie\u0161i\u0165? Ide\u00e1lnou mo\u017enos\u0165ou je v tomto pr\u00edpade siahnu\u0165 na finan\u010dn\u00fa rezervu alebo vyu\u017ei\u0165 plnenie zo \u017eivotnej poistky. Realita je v\u0161ak tak\u00e1, \u017ee nie ka\u017ed\u00fd z\u00a0n\u00e1s je takto pripraven\u00fd na podobn\u00e9 neo\u010dak\u00e1van\u00e9 situ\u00e1cie. Aj preto u\u017e viacer\u00e9 banky v\u00a0Eur\u00f3pe kv\u00f4li koronav\u00edrusu umo\u017e\u0148uj\u00fa \u013eu\u010fom odlo\u017ei\u0165 ich spl\u00e1tky \u00faverov.\u00a0Vl\u00e1da SR sa dohodla aj so slovensk\u00fdmi bankami, \u017ee na \u017eiados\u0165 klienta poskytn\u00fa\u00a0odklad spl\u00e1tok a\u017e o 9 mesiacov.\u00a0Z\u00e1kon o odklade spl\u00e1tok nadobudol \u00fa\u010dinnos\u0165 9. apr\u00edla. TIP: Ak si chcete zn\u00ed\u017ei\u0165 mesa\u010dn\u00fa spl\u00e1tku hypot\u00e9ky \u010di spotrebn\u00e9ho \u00faveru, vysk\u00fa\u0161ajte najsk\u00f4r in\u00e9 mo\u017enosti, napr\u00edklad po\u017eiadajte banku o prehodnotenie v\u00e1\u0161ho \u00faroku, sk\u00faste \u00faver refinancova\u0165 alebo spoji\u0165 viac \u00faverov do jedn\u00e9ho. Pre\u010do m\u00f4\u017eu by\u0165 tieto mo\u017enosti v\u00fdhodnej\u0161ie, si m\u00f4\u017eete pre\u010d\u00edta\u0165 TU. Potrebujete poradi\u0165? Nechajte n\u00e1m kontakt, my sa v\u00e1m ozveme. \u010cl\u00e1nok priebe\u017ene aktualizujeme. 7 krokov, ako postupova\u0165 pri odklade spl\u00e1tok Ak viete, \u017ee budete ma\u0165 probl\u00e9m so spl\u00e1can\u00edm svojich \u00faverov, zv\u00e1\u017ete \u017eiados\u0165 [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":2080,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,5,157],"tags":[152,151,153],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Spl\u00e1tky \u00faveru si m\u00f4\u017eete odlo\u017ei\u0165. Nie je to bez rizika - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Odlo\u017ei\u0165 spl\u00e1tky \u00faveru zva\u017eujte len v nevyhnutnom pr\u00edpade. Pri zn\u00ed\u017eenom pr\u00edjme vyu\u017eite rad\u0161ej finan\u010dn\u00fa rezervu. 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