{"id":2188,"date":"2020-03-20T13:20:34","date_gmt":"2020-03-20T12:20:34","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=2188"},"modified":"2020-08-14T10:50:30","modified_gmt":"2020-08-14T08:50:30","slug":"pri-refinancovani-hypoteky-sa-banka-nemusi-pytat-na-vysku-vasho-prijmu","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/pri-refinancovani-hypoteky-sa-banka-nemusi-pytat-na-vysku-vasho-prijmu\/","title":{"rendered":"Pri refinancovan\u00ed hypot\u00e9ky sa banka nemus\u00ed p\u00fdta\u0165 na v\u00fd\u0161ku v\u00e1\u0161ho pr\u00edjmu"},"content":{"rendered":"<p><b>Mnoh\u00fdch Slov\u00e1kov s\u00fa\u010dasn\u00e1 situ\u00e1cia don\u00fatila <a href=\"https:\/\/www.fingo.sk\/blog\/kde-sa-da-v-zlych-casoch-usetrit\/\">uva\u017eova\u0165 nad \u00fasporou<\/a> vo svojich pravideln\u00fdch mesa\u010dn\u00fdch v\u00fddavkoch. Ak v\u00e1s \u0165a\u017e\u00ed hypot\u00e9ka a chceli by ste ju ma\u0165 lacnej\u0161iu, nemus\u00edte banku \u017eiada\u0165 o <a href=\"https:\/\/www.fingo.sk\/blog\/odlozenie-splatok-uveru-nie-je-bez-rizika\/\">odklad spl\u00e1tok<\/a>, ale m\u00f4\u017eete u\u0161etri\u0165 aj prehodnoten\u00edm v\u00e1\u0161ho existuj\u00faceho \u00faveru alebo refinancovan\u00edm \u00faveru do inej banky, ktor\u00e1 v\u00e1m poskytne lep\u0161ie podmienky. Nov\u00e1 banka v niektor\u00fdch pr\u00edpadoch ani nebude zis\u0165ova\u0165 v\u00fd\u0161ku v\u00e1\u0161ho pr\u00edjmu.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pri refinancovan\u00ed hypot\u00e9ky nov\u00e1 banka v\u00e4\u010d\u0161inou <\/span><b>nezis\u0165uje v\u00fd\u0161ku v\u00e1\u0161ho pr\u00edjmu, len sa zauj\u00edma o jeho existenciu<\/b><span style=\"font-weight: 400;\">. \u0160tandardne si len over\u00ed, \u010di ste zamestnan\u00fd alebo podnik\u00e1te. Podstatn\u00e1 je dostato\u010dne dlh\u00e1 doba spl\u00e1cania p\u00f4vodnej hypot\u00e9ky a to, \u010di ste ju doposia\u013e spl\u00e1cali riadne a v\u010das.<\/span><\/p>\n<p><b>Pozor!<\/b><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fingo.sk\/blog\/ako-podnikatelia-dokladuju-prijem-pri-hypoteke-a-co-ak-je-vas-biznis-docasne-ohrozeny\/\"> Overovaniu v\u00fd\u0161ky pr\u00edjmu<\/a> sa v\u0161ak vyhnete len vtedy, ak budete refinancova\u0165 <\/span><b>\u00faver bez nav\u00fd\u0161enia a va\u0161a nov\u00e1 spl\u00e1tka bude ni\u017e\u0161ia<\/b><span style=\"font-weight: 400;\"> ako p\u00f4vodn\u00e1 spl\u00e1tka. To je mo\u017en\u00e9 v pr\u00edpade, \u017ee si ponech\u00e1te p\u00f4vodn\u00fa d\u013a\u017eku splatnosti hypot\u00e9ky, alebo si splatnos\u0165 \u00faveru pred\u013a\u017eite. Alebo si jednoducho splatnos\u0165 novej hypot\u00e9ky nastav\u00edte do v\u00fd\u0161ky p\u00f4vodnej spl\u00e1tky, teda m\u00f4\u017ee by\u0165 aj o nie\u010do krat\u0161ia.\u00a0<\/span><\/p>\n<blockquote><p><b>TIP:<\/b> <span style=\"font-weight: 400;\">V s\u00fa\u010dasnej situ\u00e1cii <strong>odpor\u00fa\u010dame nastavi\u0165 si \u010do najni\u017e\u0161iu spl\u00e1tku<\/strong> pred\u013a\u017een\u00edm splatnosti na maximum. Uvo\u013en\u00edte tak tlak na v\u00e1\u0161 rozpo\u010det. Z\u00e1rove\u0148 m\u00f4\u017eete \u00faver mimoriadnymi spl\u00e1tkami splati\u0165 sk\u00f4r. T\u00e1to mo\u017enos<\/span><span style=\"font-weight: 400;\">\u0165 sa oplat\u00ed hlavne klientom, ktor\u00ed maj\u00fa teraz nastaven\u00fa splatnos\u0165 hypot\u00e9ky napr\u00edklad na 10 &#8211; 15 rokov a dok\u00e1\u017eu si ju v banke natiahnu\u0165 na 30 \u010di 35 rokov.\u00a0<\/span><\/p><\/blockquote>\n<h3><span style=\"color: #ec8124;\"><b>Nav\u00fd\u0161enie \u00faveru bez dokladovania v\u00fd\u0161ky pr\u00edjmu<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Keby ste chceli pri refinancovan\u00ed po\u017eiada\u0165 aj <\/span><b>o nav\u00fd\u0161enie hypot\u00e9ky, <\/b><span style=\"font-weight: 400;\">vtedy u\u017e banke mus\u00edte preuk\u00e1za\u0165, \u017ee vy\u0161\u0161\u00ed \u00faver dok\u00e1\u017eete spl\u00e1ca\u0165.\u00a0<\/span><\/p>\n<blockquote><p><b>Pr\u00edklad: <\/b><span style=\"font-weight: 400;\">Ak je napr\u00edklad zostatok v\u00e1\u0161ho \u00faveru 47 000 eur, ale pri refinancovan\u00ed si ho chcete nav\u00fd\u0161i\u0165 na 55 000 eur, banka si u\u017e prever\u00ed, \u010di v\u00fd\u0161ka v\u00e1\u0161ho pr\u00edjmu bude posta\u010dova\u0165 na spl\u00e1canie vy\u0161\u0161ieho \u00faveru.\u00a0<\/span><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">Ak si chcete refinan\u010dn\u00fd \u00faver nav\u00fd\u0161i\u0165, ale neviete zdokladova\u0165 v\u00fd\u0161ku svojho pr\u00edjmu, m\u00f4\u017eete ho nav\u00fd\u0161i\u0165 <strong>maxim\u00e1lne o 5 %, resp. 2 000 eur.<\/strong> Tak\u00e1to suma nav\u00fd\u0161enia je povolen\u00e1 aj <\/span><b>bez dokladovania v\u00fd\u0161ky pr\u00edjmu.<\/b><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Neviete, \u010di sa v\u00e1m to oplat\u00ed?\u00a0<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Nie ste si ist\u00ed, \u010di sa v\u00e1m teraz oplat\u00ed refinancova\u0165 hypot\u00e9ku, alebo rad\u0161ej po\u017eiada\u0165 o odklad spl\u00e1tok? <strong><a href=\"https:\/\/www.fingo.sk\/financne-poradenstvo#mapa\">FinGO.sk finan\u010dn\u00ed sprostredkovatelia<\/a> v\u00e1m poradia bezplatne a bezpe\u010dne<\/strong> z pohodlia v\u00e1\u0161ho domova. Pokojne n\u00e1m zavolajte na \u010d\u00edslo <\/span><b>0800 60 10 60<\/b><span style=\"font-weight: 400;\">, pr\u00edpadne najsk\u00f4r vysk\u00fa\u0161ajte n\u00e1\u0161 <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">online porovn\u00e1va\u010d hypot\u00e9k<\/a> a ak n\u00e1m zanech\u00e1te kontakt, \u010d\u00edm sk\u00f4r sa v\u00e1m ozveme.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mnoh\u00fdch Slov\u00e1kov s\u00fa\u010dasn\u00e1 situ\u00e1cia don\u00fatila uva\u017eova\u0165 nad \u00fasporou vo svojich pravideln\u00fdch mesa\u010dn\u00fdch v\u00fddavkoch. Ak v\u00e1s \u0165a\u017e\u00ed hypot\u00e9ka a chceli by ste ju ma\u0165 lacnej\u0161iu, nemus\u00edte banku \u017eiada\u0165 o odklad spl\u00e1tok, ale m\u00f4\u017eete u\u0161etri\u0165 aj prehodnoten\u00edm v\u00e1\u0161ho existuj\u00faceho \u00faveru alebo refinancovan\u00edm \u00faveru do inej banky, ktor\u00e1 v\u00e1m poskytne lep\u0161ie podmienky. Nov\u00e1 banka v niektor\u00fdch pr\u00edpadoch ani nebude zis\u0165ova\u0165 v\u00fd\u0161ku v\u00e1\u0161ho pr\u00edjmu.\u00a0 Pri refinancovan\u00ed hypot\u00e9ky nov\u00e1 banka v\u00e4\u010d\u0161inou nezis\u0165uje v\u00fd\u0161ku v\u00e1\u0161ho pr\u00edjmu, len sa zauj\u00edma o jeho existenciu. \u0160tandardne si len over\u00ed, \u010di ste zamestnan\u00fd alebo podnik\u00e1te. Podstatn\u00e1 je dostato\u010dne dlh\u00e1 doba spl\u00e1cania p\u00f4vodnej hypot\u00e9ky a to, \u010di ste ju doposia\u013e spl\u00e1cali riadne a v\u010das. Pozor! Overovaniu v\u00fd\u0161ky pr\u00edjmu sa v\u0161ak vyhnete len vtedy, ak budete refinancova\u0165 \u00faver bez nav\u00fd\u0161enia a va\u0161a nov\u00e1 spl\u00e1tka bude ni\u017e\u0161ia ako p\u00f4vodn\u00e1 spl\u00e1tka. To je mo\u017en\u00e9 v pr\u00edpade, \u017ee si ponech\u00e1te p\u00f4vodn\u00fa d\u013a\u017eku splatnosti hypot\u00e9ky, alebo si splatnos\u0165 \u00faveru pred\u013a\u017eite. Alebo si jednoducho splatnos\u0165 novej hypot\u00e9ky nastav\u00edte do v\u00fd\u0161ky p\u00f4vodnej spl\u00e1tky, teda m\u00f4\u017ee by\u0165 aj o nie\u010do krat\u0161ia.\u00a0 TIP: V s\u00fa\u010dasnej situ\u00e1cii odpor\u00fa\u010dame nastavi\u0165 si \u010do najni\u017e\u0161iu spl\u00e1tku pred\u013a\u017een\u00edm splatnosti na maximum. Uvo\u013en\u00edte tak tlak na v\u00e1\u0161 rozpo\u010det. Z\u00e1rove\u0148 m\u00f4\u017eete \u00faver mimoriadnymi spl\u00e1tkami splati\u0165 sk\u00f4r. T\u00e1to mo\u017enos\u0165 sa oplat\u00ed hlavne klientom, ktor\u00ed maj\u00fa teraz nastaven\u00fa splatnos\u0165 [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":2189,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5,157],"tags":[41,158],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pri refinancovan\u00ed hypot\u00e9ky sa banka nemus\u00ed p\u00fdta\u0165 na v\u00fd\u0161ku v\u00e1\u0161ho pr\u00edjmu - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Niekedy si banka len over\u00ed, \u010di pracujete a na v\u00fd\u0161ku pr\u00edjmu sa nep\u00fdta. 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FinGO.sk hypotek\u00e1rni \u0161pecialisti v\u00e1m s refinancovan\u00edm pom\u00f4\u017eu.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/pri-refinancovani-hypoteky-sa-banka-nemusi-pytat-na-vysku-vasho-prijmu\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2020-03-20T12:20:34+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-08-14T08:50:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/usetrit-na-hypoteke.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1729\" \/>\n\t<meta property=\"og:image:height\" content=\"1156\" \/>\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=\"2 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\/pri-refinancovani-hypoteky-sa-banka-nemusi-pytat-na-vysku-vasho-prijmu\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/pri-refinancovani-hypoteky-sa-banka-nemusi-pytat-na-vysku-vasho-prijmu\/\"},\"author\":{\"name\":\"Eva \u0160ablov\u00e1\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/48a635316105ef367c341718fdb7cfeb\"},\"headline\":\"Pri refinancovan\u00ed hypot\u00e9ky sa banka nemus\u00ed p\u00fdta\u0165 na v\u00fd\u0161ku v\u00e1\u0161ho pr\u00edjmu\",\"datePublished\":\"2020-03-20T12:20:34+00:00\",\"dateModified\":\"2020-08-14T08:50:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/pri-refinancovani-hypoteky-sa-banka-nemusi-pytat-na-vysku-vasho-prijmu\/\"},\"wordCount\":512,\"publisher\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\"},\"keywords\":[\"Nav\u00fd\u0161enie hypot\u00e9ky pri refinancovan\u00ed\",\"refinancovanie hypot\u00e9ky\"],\"articleSection\":[\"Hypot\u00e9ky\",\"Pand\u00e9mia\"],\"inLanguage\":\"sk-SK\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/pri-refinancovani-hypoteky-sa-banka-nemusi-pytat-na-vysku-vasho-prijmu\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/pri-refinancovani-hypoteky-sa-banka-nemusi-pytat-na-vysku-vasho-prijmu\/\",\"name\":\"Pri refinancovan\u00ed hypot\u00e9ky sa banka nemus\u00ed p\u00fdta\u0165 na v\u00fd\u0161ku v\u00e1\u0161ho pr\u00edjmu - FinGO.sk\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#website\"},\"datePublished\":\"2020-03-20T12:20:34+00:00\",\"dateModified\":\"2020-08-14T08:50:30+00:00\",\"description\":\"Niekedy si banka len over\u00ed, \u010di pracujete a na v\u00fd\u0161ku pr\u00edjmu sa nep\u00fdta. 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