{"id":2181,"date":"2020-04-10T14:00:49","date_gmt":"2020-04-10T12:00:49","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=2181"},"modified":"2020-04-23T10:34:24","modified_gmt":"2020-04-23T08:34:24","slug":"odklad-splatok-alebo-radsej-refinancovanie","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/","title":{"rendered":"Odklad spl\u00e1tok alebo rad\u0161ej refinancovanie?"},"content":{"rendered":"

Mnoh\u00fdm \u013eu\u010fom sa kv\u00f4li karant\u00e9ne, O\u010cR \u010di zatvorenej prev\u00e1dzke zn\u00ed\u017eia pr\u00edjmy a sk\u00f4r \u010di nesk\u00f4r m\u00f4\u017eu ma\u0165 \u0165a\u017ekosti so spl\u00e1can\u00edm svojich \u00faverov. Preto prem\u00fd\u0161\u013eaj\u00fa nad odkladom spl\u00e1tok hypot\u00e9ky. Ale rie\u0161en\u00edm m\u00f4\u017ee by\u0165 aj refinancovanie \u00faveru \u010di zn\u00ed\u017eenie existuj\u00facej spl\u00e1tky hypot\u00e9ky. Komu sa to najviac oplat\u00ed?<\/b><\/p>\n

Pri odklade v\u00e1s odlo\u017een\u00e9 spl\u00e1tky aj tak dobehn\u00fa a budete ich musie\u0165 banke doplati\u0165 nesk\u00f4r. Preto m\u00f4\u017ee by\u0165 vhodnej\u0161ie <\/span>po\u017eiada\u0165 svoju banku o zn\u00ed\u017eenie \u00farokovej sadzby.<\/a><\/b> Ak bude banka ochotn\u00e1 upravi\u0165 v\u00e1m parametre v\u00e1\u0161ho \u00faveru, m\u00f4\u017eete dosiahnu\u0165 zn\u00ed\u017eenie spl\u00e1tky bez v\u00e4\u010d\u0161\u00edch komplik\u00e1ci\u00ed.<\/span><\/p>\n

Pokia\u013e by ste sa v\u0161ak so svojou bankou nedohodli, namiesto odkladu spl\u00e1tok vyu\u017eite <\/span>refinacovanie hypot\u00e9ky, a to aj v pr\u00edpade, ak sa pr\u00e1ve nekon\u010d\u00ed fix\u00e1cia <\/b>v\u00e1\u0161ho \u00faroku. Aj keby ste si \u00faver brali len pred 2 rokmi a do konca fix\u00e1cie v\u00e1m ost\u00e1va rok \u010di dva, m\u00f4\u017ee sa v\u00e1m to oplati\u0165. N\u00e1klady na prenos hypot\u00e9ky do inej banky s\u00fa zanedbate\u013en\u00e9 pr\u00edpadne \u017eiadne.\u00a0<\/span><\/p>\n

TIP: <\/b>Refinancovanie \u00faveru je teraz ide\u00e1lnou vo\u013ebou hlavne pre \u013eud\u00ed, ktor\u00ed maj\u00fa krat\u0161iu splatnos\u0165 hypot\u00e9ky<\/strong>, napr\u00edklad na 15 \u010di 20 rokov. Ak v\u00e1m to nov\u00e1 banka (aj v z\u00e1vislosti od v\u00e1\u0161ho veku) umo\u017en\u00ed, natiahnite si nov\u00fa hypot\u00e9ku na 30 \u010di 35 rokov a va\u0161a mesa\u010dn\u00e1 \u00faspora sa tak zv\u00fd\u0161i.\u00a0<\/span><\/p><\/blockquote>\n

3 d\u00f4vody, kedy m\u00e1 refinancovanie zmysel<\/b><\/span><\/h3>\n

1.<\/strong><\/span>Prv\u00fd a\u00a0naj\u010dastej\u0161\u00ed d\u00f4vod refinancovania hypot\u00e9ky je ten, ak v\u010faka nemu\u00a0<\/span>u\u0161etr\u00edte na mesa\u010dnej spl\u00e1tke a celkovom preplaten\u00ed \u00faveru. Cie\u013eom refinancovania je v\u00a0tomto pr\u00edpade nahradi\u0165 \u00faver lacnej\u0161\u00edm, pri\u010dom ide doslova o\u00a0tis\u00edcky eur.<\/span><\/b><\/p>\n

Pr\u00edklad:<\/b> Rozdiel v\u00a0spl\u00e1tke <\/span>pri hypot\u00e9ke 100 000 eur<\/b>, ktor\u00e1 bola poskytnut\u00e1 2 roky dozadu, m\u00f4\u017ee by\u0165 aj\u00a0<\/span>viac ako 40 eur mesa\u010dne<\/b>. Celkov\u00e1 mo\u017en\u00e1 \u00faspora na celom preplaten\u00ed \u00faveru m\u00f4\u017ee dosiahnu\u0165 a\u017e<\/span> 14 000 eur a<\/b> za t\u00fato sumu by ste si pokojne mohli k\u00fapi\u0165 aj nov\u00e9 auto.<\/span><\/p><\/blockquote>\n

2.<\/strong><\/span>Pri s\u00fa\u010dasn\u00fdch n\u00edzkych \u00farokov\u00fdch sadzb\u00e1ch je \u010fal\u0161\u00edm zauj\u00edmav\u00fdm efektom aj mo\u017enos\u0165 zafixova\u0165 si na novom \u00favere rekordne n\u00edzky \u00farok na v\u00fdrazne dlh\u0161iu dobu<\/b>, ako ste to mali nastaven\u00e9 doteraz. Mnoh\u00e9 banky v\u00a0s\u00fa\u010dasnosti pon\u00fakaj\u00fa 10-ro\u010dn\u00e9 fix\u00e1cie, ktor\u00e9 s\u00fa tie\u017e v\u00fdhodn\u00e9.<\/p>\n

3.<\/strong><\/span>Aby sme nezabudli, ve\u013emi ob\u013e\u00faben\u00e9 u\u00a0klientov je aj <\/span>povolen\u00e9 nav\u00fd\u0161enie \u00faveru<\/b> (bez overovania v\u00fd\u0161ky pr\u00edjmu max. o\u00a05 %, resp. 2\u00a0000 \u20ac), pri ktorom okrem v\u00fdhodnej\u0161\u00edch podmienok m\u00f4\u017eete z\u00edska\u0165 p\u00e1r stoviek eur navy\u0161e.<\/span><\/p>\n

TIP: <\/b>E\u0161te predt\u00fdm, ako budete zva\u017eova\u0165 presun hypot\u00e9ky, FinGO.sk finan\u010dn\u00fd sprostredkovate\u013e<\/strong><\/a> v\u00e1m porad\u00ed, ako si p\u00fdta\u0165 od svojej banky ni\u017e\u0161\u00ed \u00farok, pr\u00edpadne pred\u013a\u017eenie fix\u00e1cie. Pokia\u013e v\u00e1m navrhnut\u00e9 podmienky nebud\u00fa vyhovova\u0165, n\u00e1\u0161 \u0161pecialista porovn\u00e1 banky a n\u00e1jde pre v\u00e1s najv\u00fdhodnej\u0161ie rie\u0161enie.<\/span><\/p>\n

\"odklad<\/p>\n

Konsolid\u00e1ciou m\u00f4\u017eete u\u0161etri\u0165 e\u0161te viac<\/b><\/span><\/h3>\n

Refinancovanie je v\u00fdhodn\u00e9 aj v pr\u00edpade, ak okrem hypot\u00e9ky spl\u00e1cate viacero druhov \u00faverov<\/strong>, napr. \u00faver stavebnej sporite\u013ene, r\u00f4zne p\u00f4\u017ei\u010dky, \u00faverov\u00e9 karty a podobne. <\/span>V\u010faka konsolid\u00e1cii, \u010di\u017ee spojeniu \u00faverov do jednej hypot\u00e9ky m\u00f4\u017eete tieto\u00a0\u00favery nahradi\u0165 jedin\u00fdm \u00faverom s v\u00fdrazne ni\u017e\u0161ou spl\u00e1tkou.<\/strong> V tomto pr\u00edpade je d\u00f4le\u017eit\u00e9, aby hodnota zalo\u017eenej nehnute\u013enosti<\/a> posta\u010dovala na pokrytie zostatkov v\u0161etk\u00fdch \u00faverov.\u00a0<\/span><\/p>\n

TIP: <\/b>Klienti takto vedia u\u0161etri\u0165 <\/span>aj viac ako polovicu sumy svojich p\u00f4vodn\u00fdch \u00faverov\u00fdch spl\u00e1tok <\/b>a\u00a0takto u\u0161etren\u00e9 peniaze sa v\u00e1m v rozpo\u010dte ur\u010dite z\u00eddu. <\/span>Ni\u017e\u0161ia spl\u00e1tka v\u00e1m pom\u00f4\u017ee pokry\u0165 obdobie zn\u00ed\u017een\u00e9ho pr\u00edjmu po\u010das pand\u00e9mie<\/b>, alebo u\u0161etren\u00e9 peniaze m\u00f4\u017eete investova\u0165 na vytvorenie v\u00e4\u010d\u0161ej finan\u010dnej rezervy pre podobn\u00e9 neo\u010dak\u00e1van\u00e9 situ\u00e1cie.<\/span><\/p>\n

FinGO.sk je online, ozvite sa<\/b><\/span><\/h3>\n

Ak sa chcete poradi\u0165, \u010di rad\u0161ej po\u017eiada\u0165 o odklad spl\u00e1tok, alebo svoj \u00faver refinancova\u0165, <\/span>obr\u00e1\u0165te sa na sk\u00fasen\u00e9ho finan\u010dn\u00e9ho sprostredkovate\u013ea.<\/b> FinGO.sk pracuje aj online,<\/b> sta\u010d\u00ed ak n\u00e1m zavol\u00e1te na 0800 60 10 60<\/strong> <\/span>alebo n\u00e1m <\/span>zanechajte va\u0161e \u00fadaje<\/span><\/a> a\u00a0my sa v\u00e1m ozveme. Spolu n\u00e1jdeme pre v\u00e1s to najvhodnej\u0161ie rie\u0161enie.\u00a0<\/span><\/p>\n

Nechajte n\u00e1m kontakt, my sa v\u00e1m ozveme.<\/p>\n\n

\n

<\/p>

    <\/ul><\/div>\n
    \n
    \n\n\n\n\n\n\n<\/div>\n

    \n<\/p>

    <\/div>\n<\/form>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"

    Mnoh\u00fdm \u013eu\u010fom sa kv\u00f4li karant\u00e9ne, O\u010cR \u010di zatvorenej prev\u00e1dzke zn\u00ed\u017eia pr\u00edjmy a sk\u00f4r \u010di nesk\u00f4r m\u00f4\u017eu ma\u0165 \u0165a\u017ekosti so spl\u00e1can\u00edm svojich \u00faverov. Preto prem\u00fd\u0161\u013eaj\u00fa nad odkladom spl\u00e1tok hypot\u00e9ky. Ale rie\u0161en\u00edm m\u00f4\u017ee by\u0165 aj refinancovanie \u00faveru \u010di zn\u00ed\u017eenie existuj\u00facej spl\u00e1tky hypot\u00e9ky. Komu sa to najviac oplat\u00ed? Pri odklade v\u00e1s odlo\u017een\u00e9 spl\u00e1tky aj tak dobehn\u00fa a budete ich musie\u0165 banke doplati\u0165 nesk\u00f4r. Preto m\u00f4\u017ee by\u0165 vhodnej\u0161ie po\u017eiada\u0165 svoju banku o zn\u00ed\u017eenie \u00farokovej sadzby. Ak bude banka ochotn\u00e1 upravi\u0165 v\u00e1m parametre v\u00e1\u0161ho \u00faveru, m\u00f4\u017eete dosiahnu\u0165 zn\u00ed\u017eenie spl\u00e1tky bez v\u00e4\u010d\u0161\u00edch komplik\u00e1ci\u00ed. Pokia\u013e by ste sa v\u0161ak so svojou bankou nedohodli, namiesto odkladu spl\u00e1tok vyu\u017eite refinacovanie hypot\u00e9ky, a to aj v pr\u00edpade, ak sa pr\u00e1ve nekon\u010d\u00ed fix\u00e1cia v\u00e1\u0161ho \u00faroku. Aj keby ste si \u00faver brali len pred 2 rokmi a do konca fix\u00e1cie v\u00e1m ost\u00e1va rok \u010di dva, m\u00f4\u017ee sa v\u00e1m to oplati\u0165. N\u00e1klady na prenos hypot\u00e9ky do inej banky s\u00fa zanedbate\u013en\u00e9 pr\u00edpadne \u017eiadne.\u00a0 TIP: Refinancovanie \u00faveru je teraz ide\u00e1lnou vo\u013ebou hlavne pre \u013eud\u00ed, ktor\u00ed maj\u00fa krat\u0161iu splatnos\u0165 hypot\u00e9ky, napr\u00edklad na 15 \u010di 20 rokov. Ak v\u00e1m to nov\u00e1 banka (aj v z\u00e1vislosti od v\u00e1\u0161ho veku) umo\u017en\u00ed, natiahnite si nov\u00fa hypot\u00e9ku na 30 \u010di 35 rokov a va\u0161a mesa\u010dn\u00e1 \u00faspora sa tak zv\u00fd\u0161i.\u00a0 3 d\u00f4vody, […]<\/p>\n","protected":false},"author":17,"featured_media":2183,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5,157],"tags":[151,158],"yoast_head":"\nOdklad spl\u00e1tok alebo rad\u0161ej refinancovanie? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Odklad spl\u00e1tok ml\u017eete vymeni\u0165 za refinancovanie \u00faveru. FinGO.sk makl\u00e9ri pracuj\u00fa online, ozvite sa n\u00e1m kedyko\u013evek na \u010d\u00edslo 0800 60 10 60.\" \/>\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\/odklad-splatok-alebo-radsej-refinancovanie\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Odklad spl\u00e1tok alebo rad\u0161ej refinancovanie? - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Odklad spl\u00e1tok ml\u017eete vymeni\u0165 za refinancovanie \u00faveru. FinGO.sk makl\u00e9ri pracuj\u00fa online, ozvite sa n\u00e1m kedyko\u013evek na \u010d\u00edslo 0800 60 10 60.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2020-04-10T12:00:49+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-04-23T08:34:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/refinancovanie-hypot\u00e9ky.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1732\" \/>\n\t<meta property=\"og:image:height\" content=\"1154\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Eva \u0160ablov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Eva \u0160ablov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 min\u00faty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/\"},\"author\":{\"name\":\"Eva \u0160ablov\u00e1\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/48a635316105ef367c341718fdb7cfeb\"},\"headline\":\"Odklad spl\u00e1tok alebo rad\u0161ej refinancovanie?\",\"datePublished\":\"2020-04-10T12:00:49+00:00\",\"dateModified\":\"2020-04-23T08:34:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/\"},\"wordCount\":780,\"publisher\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\"},\"keywords\":[\"odklad spl\u00e1tok\",\"refinancovanie hypot\u00e9ky\"],\"articleSection\":[\"Hypot\u00e9ky\",\"Pand\u00e9mia\"],\"inLanguage\":\"sk-SK\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/\",\"name\":\"Odklad spl\u00e1tok alebo rad\u0161ej refinancovanie? - FinGO.sk\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#website\"},\"datePublished\":\"2020-04-10T12:00:49+00:00\",\"dateModified\":\"2020-04-23T08:34:24+00:00\",\"description\":\"Odklad spl\u00e1tok ml\u017eete vymeni\u0165 za refinancovanie \u00faveru. FinGO.sk makl\u00e9ri pracuj\u00fa online, ozvite sa n\u00e1m kedyko\u013evek na \u010d\u00edslo 0800 60 10 60.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/#breadcrumb\"},\"inLanguage\":\"sk-SK\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Blog\",\"item\":\"https:\/\/www.fingo.sk\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Hypot\u00e9ky\",\"item\":\"https:\/\/www.fingo.sk\/blog\/category\/hypoteky\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Odklad spl\u00e1tok alebo rad\u0161ej refinancovanie?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#website\",\"url\":\"https:\/\/www.fingo.sk\/blog\/\",\"name\":\"FinGO.sk\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.fingo.sk\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"sk-SK\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\",\"name\":\"FINGO.SK s. r. o.\",\"url\":\"https:\/\/www.fingo.sk\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"sk-SK\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png\",\"contentUrl\":\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png\",\"width\":983,\"height\":1000,\"caption\":\"FINGO.SK s. r. o.\"},\"image\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/48a635316105ef367c341718fdb7cfeb\",\"name\":\"Eva \u0160ablov\u00e1\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"sk-SK\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/10\/EVA-\u0160ABLOV\u00c1_FinGO.sk_-96x96.jpg\",\"contentUrl\":\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/10\/EVA-\u0160ABLOV\u00c1_FinGO.sk_-96x96.jpg\",\"caption\":\"Eva \u0160ablov\u00e1\"},\"description\":\"Nieko\u013eko rokov p\u00f4sobila v banke ako osobn\u00fd bank\u00e1r a nesk\u00f4r hypotek\u00e1rny \u0161pecialista. Sk\u00fasenosti z bankov\u00e9ho sektora nesk\u00f4r vyu\u017e\u00edvala vo finan\u010dnom sprostredkovan\u00ed. Vo FinGO.sk p\u00f4sob\u00ed na poz\u00edcii riadite\u013eky pre oblas\u0165 \u00faverov. Miluje jazdu na motorke, pl\u00e1vanie a cykloturistiku. Neboj\u00ed sa \u017eiadnej adrenal\u00ednovej v\u00fdzvy.\",\"url\":\"https:\/\/www.fingo.sk\/blog\/author\/eva-sablova\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Odklad spl\u00e1tok alebo rad\u0161ej refinancovanie? - FinGO.sk","description":"Odklad spl\u00e1tok ml\u017eete vymeni\u0165 za refinancovanie \u00faveru. FinGO.sk makl\u00e9ri pracuj\u00fa online, ozvite sa n\u00e1m kedyko\u013evek na \u010d\u00edslo 0800 60 10 60.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/","og_locale":"sk_SK","og_type":"article","og_title":"Odklad spl\u00e1tok alebo rad\u0161ej refinancovanie? - FinGO.sk","og_description":"Odklad spl\u00e1tok ml\u017eete vymeni\u0165 za refinancovanie \u00faveru. FinGO.sk makl\u00e9ri pracuj\u00fa online, ozvite sa n\u00e1m kedyko\u013evek na \u010d\u00edslo 0800 60 10 60.","og_url":"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/","og_site_name":"FinGO.sk","article_published_time":"2020-04-10T12:00:49+00:00","article_modified_time":"2020-04-23T08:34:24+00:00","og_image":[{"width":1732,"height":1154,"url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/refinancovanie-hypot\u00e9ky.jpg","type":"image\/jpeg"}],"author":"Eva \u0160ablov\u00e1","twitter_card":"summary_large_image","twitter_misc":{"Autor":"Eva \u0160ablov\u00e1","Predpokladan\u00fd \u010das \u010d\u00edtania":"4 min\u00faty"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/#article","isPartOf":{"@id":"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/"},"author":{"name":"Eva \u0160ablov\u00e1","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/48a635316105ef367c341718fdb7cfeb"},"headline":"Odklad spl\u00e1tok alebo rad\u0161ej refinancovanie?","datePublished":"2020-04-10T12:00:49+00:00","dateModified":"2020-04-23T08:34:24+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/"},"wordCount":780,"publisher":{"@id":"https:\/\/www.fingo.sk\/blog\/#organization"},"keywords":["odklad spl\u00e1tok","refinancovanie hypot\u00e9ky"],"articleSection":["Hypot\u00e9ky","Pand\u00e9mia"],"inLanguage":"sk-SK"},{"@type":"WebPage","@id":"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/","url":"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/","name":"Odklad spl\u00e1tok alebo rad\u0161ej refinancovanie? - FinGO.sk","isPartOf":{"@id":"https:\/\/www.fingo.sk\/blog\/#website"},"datePublished":"2020-04-10T12:00:49+00:00","dateModified":"2020-04-23T08:34:24+00:00","description":"Odklad spl\u00e1tok ml\u017eete vymeni\u0165 za refinancovanie \u00faveru. FinGO.sk makl\u00e9ri pracuj\u00fa online, ozvite sa n\u00e1m kedyko\u013evek na \u010d\u00edslo 0800 60 10 60.","breadcrumb":{"@id":"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/#breadcrumb"},"inLanguage":"sk-SK","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.fingo.sk\/blog\/"},{"@type":"ListItem","position":2,"name":"Hypot\u00e9ky","item":"https:\/\/www.fingo.sk\/blog\/category\/hypoteky\/"},{"@type":"ListItem","position":3,"name":"Odklad spl\u00e1tok alebo rad\u0161ej refinancovanie?"}]},{"@type":"WebSite","@id":"https:\/\/www.fingo.sk\/blog\/#website","url":"https:\/\/www.fingo.sk\/blog\/","name":"FinGO.sk","description":"","publisher":{"@id":"https:\/\/www.fingo.sk\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fingo.sk\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"sk-SK"},{"@type":"Organization","@id":"https:\/\/www.fingo.sk\/blog\/#organization","name":"FINGO.SK s. r. o.","url":"https:\/\/www.fingo.sk\/blog\/","logo":{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png","contentUrl":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png","width":983,"height":1000,"caption":"FINGO.SK s. r. o."},"image":{"@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/48a635316105ef367c341718fdb7cfeb","name":"Eva \u0160ablov\u00e1","image":{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/image\/","url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/10\/EVA-\u0160ABLOV\u00c1_FinGO.sk_-96x96.jpg","contentUrl":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/10\/EVA-\u0160ABLOV\u00c1_FinGO.sk_-96x96.jpg","caption":"Eva \u0160ablov\u00e1"},"description":"Nieko\u013eko rokov p\u00f4sobila v banke ako osobn\u00fd bank\u00e1r a nesk\u00f4r hypotek\u00e1rny \u0161pecialista. Sk\u00fasenosti z bankov\u00e9ho sektora nesk\u00f4r vyu\u017e\u00edvala vo finan\u010dnom sprostredkovan\u00ed. Vo FinGO.sk p\u00f4sob\u00ed na poz\u00edcii riadite\u013eky pre oblas\u0165 \u00faverov. Miluje jazdu na motorke, pl\u00e1vanie a cykloturistiku. Neboj\u00ed sa \u017eiadnej adrenal\u00ednovej v\u00fdzvy.","url":"https:\/\/www.fingo.sk\/blog\/author\/eva-sablova\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/2181"}],"collection":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/comments?post=2181"}],"version-history":[{"count":8,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/2181\/revisions"}],"predecessor-version":[{"id":2299,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/2181\/revisions\/2299"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media\/2183"}],"wp:attachment":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media?parent=2181"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/categories?post=2181"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/tags?post=2181"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}