{"id":2776,"date":"2021-01-15T10:43:54","date_gmt":"2021-01-15T09:43:54","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=2776"},"modified":"2021-01-21T07:38:58","modified_gmt":"2021-01-21T06:38:58","slug":"prve-odklady-splatok-onedlho-skoncia-co-robit-ak-ste-stale-bez-penazi","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/prve-odklady-splatok-onedlho-skoncia-co-robit-ak-ste-stale-bez-penazi\/","title":{"rendered":"Prv\u00e9 odklady spl\u00e1tok sa kon\u010dia. \u010co robi\u0165, ak ste st\u00e1le bez pe\u0148az\u00ed?"},"content":{"rendered":"<p><b>Prv\u00e9 odklady spl\u00e1tok pod\u013ea z\u00e1kona Lex korona sa v tomto obdob\u00ed kon\u010dia. U\u017e v janu\u00e1ri \u010di febru\u00e1ri tak m\u00f4\u017eu ma\u0165 probl\u00e9m tis\u00edcky Slov\u00e1kov, ktor\u00ed aj vzh\u013eadom na \u010fal\u0161iu vlnu pand\u00e9mie nedok\u00e1\u017eu pokra\u010dova\u0165 v spl\u00e1can\u00ed svojej hypot\u00e9ky, p\u00f4\u017ei\u010dky alebo in\u00e9ho odlo\u017een\u00e9ho \u00faveru. Ak v\u00e1m hroz\u00ed tento scen\u00e1r a neviete \u010do \u010falej, prin\u00e1\u0161ame v\u00e1m nieko\u013eko rie\u0161en\u00ed.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">V\u017edy sa odpor\u00fa\u010da rie\u0161i\u0165 finan\u010dn\u00e9 probl\u00e9my v banke \u010do najsk\u00f4r, preto sme zosumarizovali nieko\u013eko mo\u017enost\u00ed, o ktor\u00fdch by ste mohli uva\u017eova\u0165.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Pozor! <\/b><\/span><span style=\"font-weight: 400;\">Odklad spl\u00e1tok pod\u013ea Lex korona ofici\u00e1lne nem\u00e1 ma\u0165 negat\u00edvny vplyv na <a href=\"https:\/\/www.fingo.sk\/blog\/uverovy-register-co-vsetko-o-vas-prezradi\/\">\u00faverov\u00fd register<\/a> klienta. No z\u00e1znam o odklade tam bude a banky v\u00e1s teda <strong>m\u00f4\u017eu posudzova\u0165 pr\u00edsnej\u0161ie<\/strong>, \u010di u\u017e p\u00f4jde o vyjedn\u00e1vanie lep\u0161\u00edch podmienok alebo aj refinancovanie.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V ka\u017edom pr\u00edpade, ak hroz\u00ed, \u017ee budete ma\u0165 po odklade probl\u00e9m s \u010fal\u0161\u00edm spl\u00e1can\u00edm \u00faveru, <strong>op\u00fdtajte sa na svoje mo\u017enosti banky<\/strong> alebo sa pora\u010fte s finan\u010dn\u00fdm sprostredkovate\u013eom, ktor\u00fd sa v\u00e1m vzh\u013eadom na va\u0161u individu\u00e1lnu situ\u00e1ciu pok\u00fasi n\u00e1js\u0165 \u010do najvhodnej\u0161ie rie\u0161enie.\u00a0<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>1. Individu\u00e1lny odklad alebo spl\u00e1tkov\u00fd kalend\u00e1r<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u010co najsk\u00f4r za\u010dnite komunikova\u0165 so svojou bankou. Ak ste<a href=\"https:\/\/www.fingo.sk\/blog\/kde-sa-da-v-zlych-casoch-usetrit\/\"> vo vyhrotenej finan\u010dnej situ\u00e1cii<\/a>, kedy by ste nemohli spl\u00e1ca\u0165 ani zn\u00ed\u017een\u00fa spl\u00e1tku, sk\u00faste si s bankou dohodn\u00fa\u0165 individu\u00e1lne rie\u0161enie.<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Ak bude banka ochotn\u00e1, m\u00f4\u017ee v\u00e1m schv\u00e1li\u0165 \u010fal\u0161\u00ed odklad vo forme <\/span><b>\u0161tandardnej re\u0161trukturaliz\u00e1cie \u00faveru<\/b><span style=\"font-weight: 400;\">, teda odklad spl\u00e1tok alebo \u010dasti spl\u00e1tky na individu\u00e1lne dohodnut\u00e9 obdobie. <\/span><\/li>\n<li><span style=\"font-weight: 400;\">Banky posudzuj\u00fa \u0161tandardn\u00fd odklad spl\u00e1tok pod\u013ea vlastnej internej politiky, ale <strong>obvykle maxim\u00e1lne na 9 mesiacov<\/strong> a len t\u00fdm klientom, ktor\u00ed nemaj\u00fa v ome\u0161kan\u00ed \u017eiadnu spl\u00e1tku a <strong>preuk\u00e1\u017eu banke<\/strong>, \u017ee s\u00fa nezamestnan\u00ed, pr\u00edpadne im poklesli tr\u017eby alebo s\u00fa dlhodobo PN.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #ec8124;\"><b>Pozor! <\/b><\/span><span style=\"font-weight: 400;\">Keby ste chceli vyu\u017ei\u0165 t\u00fato mo\u017enos\u0165, mus\u00edte u\u017e banke zdokladova\u0165 zn\u00ed\u017eenie pr\u00edjmu, vyrovna\u0165 aktu\u00e1lnu dl\u017en\u00fa sumu a prist\u00fapi\u0165 k \u00faprave spl\u00e1tkov\u00e9ho kalend\u00e1ra pod\u013ea podmienok banky.<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Treba myslie\u0165 aj na to, \u017ee tieto rie\u0161enia u\u017e ostan\u00fa zaznamenan\u00e9 <strong>aj vo va\u0161om <a href=\"https:\/\/www.fingo.sk\/blog\/uverovy-register-co-vsetko-o-vas-prezradi\/\">\u00faverovom registri<\/a>.<\/strong> V bud\u00facnosti m\u00f4\u017eete ma\u0165 probl\u00e9m so z\u00edskan\u00edm nov\u00e9ho alebo refinancovan\u00edm p\u00f4vodn\u00e9ho \u00faveru.\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400;\">V extr\u00e9mnych pr\u00edpadoch si m\u00f4\u017eete s bankou dohodn\u00fa\u0165 aj <\/span><b>individu\u00e1lny spl\u00e1tkov\u00fd kalend\u00e1r, <\/b><span style=\"font-weight: 400;\">ktor\u00fd je rovnako ako spom\u00ednan\u00fd odklad spl\u00e1tok finan\u010dne nev\u00fdhodnou alternat\u00edvou a vyu\u017e\u00edva sa len ako posledn\u00e1 mo\u017enos\u0165 pred zosplatnen\u00edm \u00faveru.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: center;\"><img decoding=\"async\" class=\"alignnone wp-image-2404\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/lacnejsia-hypo2.jpg\" alt=\"\u00farokov\u00e9 sadzby dom\u010dek\" width=\"500\" height=\"378\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/lacnejsia-hypo2.jpg 1626w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/lacnejsia-hypo2-300x227.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/lacnejsia-hypo2-768x580.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/lacnejsia-hypo2-1024x774.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/lacnejsia-hypo2-1080x816.jpg 1080w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p>\n<h2><span style=\"color: #ec8124;\"><b>2. Zmena p\u00f4vodn\u00fdch podmienok na va\u0161om \u00favere<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Lep\u0161ou alternat\u00edvou by mohla by\u0165 dohoda s bankou na zmene podmienok \u00faveru. M\u00f4\u017eete po\u017eiada\u0165 napr\u00edklad o <\/span><b>pred\u013a\u017eenie lehoty splatnosti \u00faveru<\/b><span style=\"font-weight: 400;\">, pr\u00edpadne o <\/span><b>zn\u00ed\u017eenie \u00farokovej sadzby<\/b><span style=\"font-weight: 400;\"> na \u00favere, \u010d\u00edm by ste mohli svoju mesa\u010dn\u00fa spl\u00e1tku v\u00fdrazne zn\u00ed\u017ei\u0165<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Pr\u00edklad:<\/b><\/span><span style=\"font-weight: 400;\"> Ak v s\u00fa\u010dasnosti spl\u00e1cate napr\u00edklad hypot\u00e9ku vo v\u00fd\u0161ke 30 000 eur s \u00farokom 2 %, va\u0161a mesa\u010dn\u00e1 spl\u00e1tka je <strong>276 eur<\/strong>. Keby ste si splatnos\u0165 \u00faveru <strong>natiahli z 10 na 20 rokov<\/strong>, va\u0161a spl\u00e1tka by bola 152 eur, \u010di\u017ee by ste t\u00fdmto krokom u\u0161etrili 124 eur mesa\u010dne.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Pozor! <\/b><\/span><span style=\"font-weight: 400;\">Ide vlastne o zmenu zmluvn\u00fdch podmienok, ktor\u00fa v\u00e1m banka ne0mus\u00ed schv\u00e1li\u0165, <strong>nie je to jej povinnos\u0165<\/strong>. <\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">V\u0161etky vy\u0161\u0161ie uveden\u00e9 alternat\u00edvy bud\u00fa banky posudzova\u0165 individu\u00e1lne a je ot\u00e1zne, ako sa bud\u00fa pozera\u0165 na \u013eud\u00ed, ktor\u00ed preuk\u00e1zali zn\u00ed\u017een\u00fa schopnos\u0165 spl\u00e1ca\u0165 svoje z\u00e1v\u00e4zky. Za vysk\u00fa\u0161anie v\u0161ak ni\u010d ned\u00e1te.\u00a0<\/span><\/p><\/blockquote>\n<h2><span style=\"color: #ec8124;\"><b>3. Refinancovanie alebo konsolid\u00e1cia \u00faverov<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ofici\u00e1lne by odklad spl\u00e1tok nemal ma\u0165 vplyv na bonitu klienta. Je s\u00edce ot\u00e1zne ako sa banky naozaj zachovaj\u00fa, no v ka\u017edom pr\u00edpade m\u00f4\u017eete ako \u010fal\u0161ie \u010dasto ve\u013emi v\u00fdhodn\u00e9 rie\u0161enie sk\u00fasi\u0165 aj<\/span><b> refinancovanie \u00faveru<\/b><span style=\"font-weight: 400;\">. Pr\u00edpadne ak spl\u00e1cate viacero \u00faverov, e\u0161te lep\u0161\u00edm rie\u0161en\u00edm m\u00f4\u017ee by\u0165\u00a0<\/span><b>konsolid\u00e1cia,<\/b><span style=\"font-weight: 400;\"> \u010di\u017ee zl\u00fa\u010denie viacer\u00fdch \u00faverov do jedn\u00e9ho v\u00fdhodnej\u0161ieho, s ni\u017e\u0161\u00edm \u00farokom a v\u00fdrazne ni\u017e\u0161ou spl\u00e1tkou.<\/span><\/p>\n<p><b>Refinancovan\u00edm alebo konsolid\u00e1ciou \u00faverov dok\u00e1\u017eete mesa\u010dne u\u0161etri\u0165 desiatky, ale aj stovky eur. <span style=\"color: #ec8124;\">Viac sa dozviete v na\u0161om <\/span><\/b><span style=\"color: #ec8124;\"><a style=\"color: #ec8124;\" href=\"https:\/\/www.fingo.sk\/blog\/refinancovanie-hypoteky\/\"><b>blogu o refinancovan\u00ed.<\/b><\/a><b>\u00a0<\/b><\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span><span style=\"font-weight: 400;\"> Pri zl\u00fa\u010den\u00ed \u00faverov v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165 aj niekto z rodiny napr\u00edklad t\u00fdm, \u017ee zalo\u017e\u00ed svoju nehnute\u013enos\u0165. Z\u00edskate tak dodato\u010dn\u00e9 ru\u010denie a m\u00f4\u017eete tak zrefinancova\u0165 k svojej hypot\u00e9ke aj \u010fal\u0161ie kr\u00e1tkodob\u00e9 \u00favery a p\u00f4\u017ei\u010dky, ktor\u00e9 v\u00e1s mesa\u010dne m\u00f4\u017eu za\u0165a\u017eova\u0165\u00a0<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Pozor!<\/b><\/span><span style=\"font-weight: 400;\"> Refinancovanie v\u0161ak pre v\u00e1s <strong>nemus\u00ed by\u0165 tak\u00e9 \u013eahk\u00e9 a bezprobl\u00e9mov\u00e9<\/strong> v porovnan\u00ed s klientmi, ktor\u00ed o odklad spl\u00e1tok nepo\u017eiadali. <\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">M\u00f4\u017ee sa sta\u0165, \u017ee novej banke nebude sta\u010di\u0165 hist\u00f3ria spl\u00e1cania p\u00f4vodn\u00e9ho \u00faveru, ale vzh\u013eadom na preru\u0161enie spl\u00e1cania v r\u00e1mci odkladu spl\u00e1tok u\u017e bude banka po\u017eadova\u0165, aby ste preuk\u00e1zali dostato\u010dn\u00fd pr\u00edjem na spl\u00e1canie. <\/span><\/li>\n<li><span style=\"font-weight: 400;\">Pokia\u013e v\u00e1\u0161 pr\u00edjem nebude dostato\u010dn\u00fd, m\u00f4\u017ee v\u00e1m banka refinancovanie povoli\u0165 a\u017e po obnoven\u00ed spl\u00e1cania, aby mohla pos\u00fadi\u0165 platobn\u00fa discipl\u00ednu v \u00faverovom registri. <\/span><\/li>\n<li><span style=\"font-weight: 400;\">M\u00f4\u017ee \u00eds\u0165 a\u017e o 12 mesa\u010dn\u00fdch spl\u00e1tok, teda refinancovanie bez overovania pr\u00edjmu m\u00f4\u017ee by\u0165 v niektor\u00fdch bank\u00e1ch re\u00e1lne a\u017e po roku.<\/span><\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\"><b>4. Prevzatie v\u00e1\u0161ho dlhu ako krajn\u00e9 rie\u0161enie<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ak m\u00e1te vo svojom okol\u00ed niekoho, <\/span><b>kto je ochotn\u00fd v\u00e1m pom\u00f4c\u0165, <\/b><span style=\"font-weight: 400;\">v krajnom pr\u00edpade m\u00f4\u017ee by\u0165 rie\u0161en\u00edm aj prevzatie dlhu. Mo\u017eno v\u00e1m v tomto dok\u00e1\u017ee pom\u00f4c\u0165 va\u0161a rodina alebo zn\u00e1mi.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V tomto pr\u00edpade nov\u00fd dl\u017en\u00edk preuk\u00e1\u017ee banke svoj pr\u00edjem a ak banka bude s\u00fahlasi\u0165, v\u00e1\u0161 <\/span><b>\u00faver \u201cprehod\u00ed\u201d na\u0148ho<\/b><span style=\"font-weight: 400;\">, \u010di\u017ee on sa stane dl\u017en\u00edkom. Je potom na va\u0161ej vz\u00e1jomnej dohode, ako si s nov\u00fdm dl\u017en\u00edkom dohodnete spl\u00e1canie \u00faveru.<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-2156\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/zmluvy.jpg\" alt=\"probl\u00e9my so zmluvou\" width=\"500\" height=\"333\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/zmluvy.jpg 1732w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/zmluvy-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/zmluvy-768x512.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/zmluvy-1024x682.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/zmluvy-1080x720.jpg 1080w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p>\n<h2><span style=\"color: #ec8124;\"><b>5. \u010eal\u0161\u00ed \u00faver rozhodne nie, len sa viac zad\u013a\u017eite\u00a0<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ak by v\u00e1m napadlo rie\u0161i\u0165 finan\u010dn\u00e9 probl\u00e9my \u010fal\u0161ou p\u00f4\u017ei\u010dkou, na toto rie\u0161enie rovno zabudnite, <\/span><b>je to za\u010diatok konca<\/b><span style=\"font-weight: 400;\">. Ak si na zaplatenie spl\u00e1tok zoberiete \u010fal\u0161\u00ed \u00faver, je takmer ist\u00e9, \u017ee nebude spl\u00e1ca\u0165 ani ten nov\u00fd a dostanete sa tak do \u0161pir\u00e1ly nikdy nekon\u010diacich dlhov.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Hlavne treba kritick\u00fa situ\u00e1ciu rie\u0161i\u0165 \u010d\u00edm sk\u00f4r. Ide\u00e1lne je siahnu\u0165 na<a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vytvorit-financnu-rezervu\/\"> finan\u010dn\u00fa rezervu<\/a>, ak nejak\u00fa m\u00e1te. V opa\u010dnom pr\u00edpade m\u00f4\u017ee pom\u00f4c\u0165 aj rodina alebo zn\u00e1mi.\u00a0<\/span><\/p>\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Ak si detailne<strong> sp\u00ed\u0161ete svoje pr\u00edjmy a v\u00fddavky<\/strong>, mo\u017eno zist\u00edte, kde ve\u013ea m\u00ed\u0148ate a kde m\u00e1te priestor u\u0161etri\u0165. Niekedy pom\u00f4\u017ee klientom aj <\/span><a href=\"https:\/\/www.fingo.sk\/zastarale-zmluvy\"><span style=\"font-weight: 400;\">kontrola<\/span><\/a><span style=\"font-weight: 400;\"> ich star\u0161\u00edch finan\u010dn\u00fdch produktov, za ktor\u00e9 platia zbyto\u010dne viac ako je potrebn\u00e9.\u00a0\u00a0<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>\u010co robi\u0165, ak si chcete zn\u00ed\u017ei\u0165 svoje spl\u00e1tky?<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ak neviete, ktor\u00e9 z pop\u00edsan\u00fdch rie\u0161en\u00ed by bolo pre v\u00e1s najvhodnej\u0161ie a chcete sa poradi\u0165 \u010do robi\u0165, m\u00f4\u017eete sa obr\u00e1ti\u0165 aj <strong>na sk\u00fasen\u00e9ho finan\u010dn\u00e9ho sprostredkovate\u013ea.<\/strong> Makl\u00e9r v\u00e1m vie <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">porovna\u0165 podmienky<\/a> a mo\u017en\u00e9 rie\u0161enia vo viacer\u00fdch bank\u00e1ch a na z\u00e1klade va\u0161ej aktu\u00e1lnej situ\u00e1cie v\u00e1m odporu\u010d\u00ed, ako postupova\u0165 \u010falej.<\/span><\/p>\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Finan\u010dn\u00ed sprostredkovatelia z FinGO.sk v\u00e1m <strong>poradia bezplatne<\/strong> a m\u00f4\u017eete sa s nami spoji\u0165 aj <strong>online alebo telefonicky<\/strong>. Zavolajte n\u00e1m na <span style=\"color: #ec8124;\">0800 60 10 60<\/span> alebo n\u00e1m zanechajte va\u0161e \u00fadaje a my sa v\u00e1m ozveme.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><span style=\"color: #333333;\">\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\/2776#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<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Prv\u00e9 odklady spl\u00e1tok pod\u013ea z\u00e1kona Lex korona sa v tomto obdob\u00ed kon\u010dia. U\u017e v janu\u00e1ri \u010di febru\u00e1ri tak m\u00f4\u017eu ma\u0165 probl\u00e9m tis\u00edcky Slov\u00e1kov, ktor\u00ed aj vzh\u013eadom na \u010fal\u0161iu vlnu pand\u00e9mie nedok\u00e1\u017eu pokra\u010dova\u0165 v spl\u00e1can\u00ed svojej hypot\u00e9ky, p\u00f4\u017ei\u010dky alebo in\u00e9ho odlo\u017een\u00e9ho \u00faveru. Ak v\u00e1m hroz\u00ed tento scen\u00e1r a neviete \u010do \u010falej, prin\u00e1\u0161ame v\u00e1m nieko\u013eko rie\u0161en\u00ed.\u00a0 V\u017edy sa odpor\u00fa\u010da rie\u0161i\u0165 finan\u010dn\u00e9 probl\u00e9my v banke \u010do najsk\u00f4r, preto sme zosumarizovali nieko\u013eko mo\u017enost\u00ed, o ktor\u00fdch by ste mohli uva\u017eova\u0165. Pozor! Odklad spl\u00e1tok pod\u013ea Lex korona ofici\u00e1lne nem\u00e1 ma\u0165 negat\u00edvny vplyv na \u00faverov\u00fd register klienta. No z\u00e1znam o odklade tam bude a banky v\u00e1s teda m\u00f4\u017eu posudzova\u0165 pr\u00edsnej\u0161ie, \u010di u\u017e p\u00f4jde o vyjedn\u00e1vanie lep\u0161\u00edch podmienok alebo aj refinancovanie. V ka\u017edom pr\u00edpade, ak hroz\u00ed, \u017ee budete ma\u0165 po odklade probl\u00e9m s \u010fal\u0161\u00edm spl\u00e1can\u00edm \u00faveru, op\u00fdtajte sa na svoje mo\u017enosti banky alebo sa pora\u010fte s finan\u010dn\u00fdm sprostredkovate\u013eom, ktor\u00fd sa v\u00e1m vzh\u013eadom na va\u0161u individu\u00e1lnu situ\u00e1ciu pok\u00fasi n\u00e1js\u0165 \u010do najvhodnej\u0161ie rie\u0161enie.\u00a0 1. Individu\u00e1lny odklad alebo spl\u00e1tkov\u00fd kalend\u00e1r \u010co najsk\u00f4r za\u010dnite komunikova\u0165 so svojou bankou. Ak ste vo vyhrotenej finan\u010dnej situ\u00e1cii, kedy by ste nemohli spl\u00e1ca\u0165 ani zn\u00ed\u017een\u00fa spl\u00e1tku, sk\u00faste si s bankou dohodn\u00fa\u0165 individu\u00e1lne rie\u0161enie. Ak bude banka ochotn\u00e1, m\u00f4\u017ee v\u00e1m schv\u00e1li\u0165 \u010fal\u0161\u00ed odklad vo forme \u0161tandardnej re\u0161trukturaliz\u00e1cie [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":2777,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5,157],"tags":[172,151,173],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Prv\u00e9 odklady spl\u00e1tok sa kon\u010dia. \u010co robi\u0165, ak ste st\u00e1le bez pe\u0148az\u00ed? - 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\/prve-odklady-splatok-onedlho-skoncia-co-robit-ak-ste-stale-bez-penazi\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Prv\u00e9 odklady spl\u00e1tok sa kon\u010dia. \u010co robi\u0165, ak ste st\u00e1le bez pe\u0148az\u00ed? - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Prv\u00e9 odklady spl\u00e1tok pod\u013ea z\u00e1kona Lex korona sa v tomto obdob\u00ed kon\u010dia. U\u017e v janu\u00e1ri \u010di febru\u00e1ri tak m\u00f4\u017eu ma\u0165 probl\u00e9m tis\u00edcky Slov\u00e1kov, ktor\u00ed aj vzh\u013eadom na \u010fal\u0161iu vlnu pand\u00e9mie nedok\u00e1\u017eu pokra\u010dova\u0165 v spl\u00e1can\u00ed svojej hypot\u00e9ky, p\u00f4\u017ei\u010dky alebo in\u00e9ho odlo\u017een\u00e9ho \u00faveru. Ak v\u00e1m hroz\u00ed tento scen\u00e1r a neviete \u010do \u010falej, prin\u00e1\u0161ame v\u00e1m nieko\u013eko rie\u0161en\u00ed.\u00a0 V\u017edy sa odpor\u00fa\u010da rie\u0161i\u0165 finan\u010dn\u00e9 probl\u00e9my v banke \u010do najsk\u00f4r, preto sme zosumarizovali nieko\u013eko mo\u017enost\u00ed, o ktor\u00fdch by ste mohli uva\u017eova\u0165. Pozor! Odklad spl\u00e1tok pod\u013ea Lex korona ofici\u00e1lne nem\u00e1 ma\u0165 negat\u00edvny vplyv na \u00faverov\u00fd register klienta. No z\u00e1znam o odklade tam bude a banky v\u00e1s teda m\u00f4\u017eu posudzova\u0165 pr\u00edsnej\u0161ie, \u010di u\u017e p\u00f4jde o vyjedn\u00e1vanie lep\u0161\u00edch podmienok alebo aj refinancovanie. V ka\u017edom pr\u00edpade, ak hroz\u00ed, \u017ee budete ma\u0165 po odklade probl\u00e9m s \u010fal\u0161\u00edm spl\u00e1can\u00edm \u00faveru, op\u00fdtajte sa na svoje mo\u017enosti banky alebo sa pora\u010fte s finan\u010dn\u00fdm sprostredkovate\u013eom, ktor\u00fd sa v\u00e1m vzh\u013eadom na va\u0161u individu\u00e1lnu situ\u00e1ciu pok\u00fasi n\u00e1js\u0165 \u010do najvhodnej\u0161ie rie\u0161enie.\u00a0 1. Individu\u00e1lny odklad alebo spl\u00e1tkov\u00fd kalend\u00e1r \u010co najsk\u00f4r za\u010dnite komunikova\u0165 so svojou bankou. Ak ste vo vyhrotenej finan\u010dnej situ\u00e1cii, kedy by ste nemohli spl\u00e1ca\u0165 ani zn\u00ed\u017een\u00fa spl\u00e1tku, sk\u00faste si s bankou dohodn\u00fa\u0165 individu\u00e1lne rie\u0161enie. Ak bude banka ochotn\u00e1, m\u00f4\u017ee v\u00e1m schv\u00e1li\u0165 \u010fal\u0161\u00ed odklad vo forme \u0161tandardnej re\u0161trukturaliz\u00e1cie [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/prve-odklady-splatok-onedlho-skoncia-co-robit-ak-ste-stale-bez-penazi\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2021-01-15T09:43:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-01-21T06:38:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/11\/odklady-splatok.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1733\" \/>\n\t<meta property=\"og:image:height\" content=\"1153\" \/>\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=\"7 min\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/prve-odklady-splatok-onedlho-skoncia-co-robit-ak-ste-stale-bez-penazi\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/prve-odklady-splatok-onedlho-skoncia-co-robit-ak-ste-stale-bez-penazi\/\"},\"author\":{\"name\":\"Eva \u0160ablov\u00e1\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/48a635316105ef367c341718fdb7cfeb\"},\"headline\":\"Prv\u00e9 odklady spl\u00e1tok sa kon\u010dia. \u010co robi\u0165, ak ste st\u00e1le bez pe\u0148az\u00ed?\",\"datePublished\":\"2021-01-15T09:43:54+00:00\",\"dateModified\":\"2021-01-21T06:38:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/prve-odklady-splatok-onedlho-skoncia-co-robit-ak-ste-stale-bez-penazi\/\"},\"wordCount\":1355,\"publisher\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\"},\"keywords\":[\"mesa\u010dn\u00e1 spl\u00e1tka hypot\u00e9ky\",\"odklad spl\u00e1tok\",\"probl\u00e9my\"],\"articleSection\":[\"Hypot\u00e9ky\",\"Pand\u00e9mia\"],\"inLanguage\":\"sk-SK\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/prve-odklady-splatok-onedlho-skoncia-co-robit-ak-ste-stale-bez-penazi\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/prve-odklady-splatok-onedlho-skoncia-co-robit-ak-ste-stale-bez-penazi\/\",\"name\":\"Prv\u00e9 odklady spl\u00e1tok sa kon\u010dia. \u010co robi\u0165, ak ste st\u00e1le bez pe\u0148az\u00ed? 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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":"Prv\u00e9 odklady spl\u00e1tok sa kon\u010dia. \u010co robi\u0165, ak ste st\u00e1le bez pe\u0148az\u00ed? - FinGO.sk","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\/prve-odklady-splatok-onedlho-skoncia-co-robit-ak-ste-stale-bez-penazi\/","og_locale":"sk_SK","og_type":"article","og_title":"Prv\u00e9 odklady spl\u00e1tok sa kon\u010dia. \u010co robi\u0165, ak ste st\u00e1le bez pe\u0148az\u00ed? - FinGO.sk","og_description":"Prv\u00e9 odklady spl\u00e1tok pod\u013ea z\u00e1kona Lex korona sa v tomto obdob\u00ed kon\u010dia. U\u017e v janu\u00e1ri \u010di febru\u00e1ri tak m\u00f4\u017eu ma\u0165 probl\u00e9m tis\u00edcky Slov\u00e1kov, ktor\u00ed aj vzh\u013eadom na \u010fal\u0161iu vlnu pand\u00e9mie nedok\u00e1\u017eu pokra\u010dova\u0165 v spl\u00e1can\u00ed svojej hypot\u00e9ky, p\u00f4\u017ei\u010dky alebo in\u00e9ho odlo\u017een\u00e9ho \u00faveru. Ak v\u00e1m hroz\u00ed tento scen\u00e1r a neviete \u010do \u010falej, prin\u00e1\u0161ame v\u00e1m nieko\u013eko rie\u0161en\u00ed.\u00a0 V\u017edy sa odpor\u00fa\u010da rie\u0161i\u0165 finan\u010dn\u00e9 probl\u00e9my v banke \u010do najsk\u00f4r, preto sme zosumarizovali nieko\u013eko mo\u017enost\u00ed, o ktor\u00fdch by ste mohli uva\u017eova\u0165. Pozor! Odklad spl\u00e1tok pod\u013ea Lex korona ofici\u00e1lne nem\u00e1 ma\u0165 negat\u00edvny vplyv na \u00faverov\u00fd register klienta. No z\u00e1znam o odklade tam bude a banky v\u00e1s teda m\u00f4\u017eu posudzova\u0165 pr\u00edsnej\u0161ie, \u010di u\u017e p\u00f4jde o vyjedn\u00e1vanie lep\u0161\u00edch podmienok alebo aj refinancovanie. V ka\u017edom pr\u00edpade, ak hroz\u00ed, \u017ee budete ma\u0165 po odklade probl\u00e9m s \u010fal\u0161\u00edm spl\u00e1can\u00edm \u00faveru, op\u00fdtajte sa na svoje mo\u017enosti banky alebo sa pora\u010fte s finan\u010dn\u00fdm sprostredkovate\u013eom, ktor\u00fd sa v\u00e1m vzh\u013eadom na va\u0161u individu\u00e1lnu situ\u00e1ciu pok\u00fasi n\u00e1js\u0165 \u010do najvhodnej\u0161ie rie\u0161enie.\u00a0 1. Individu\u00e1lny odklad alebo spl\u00e1tkov\u00fd kalend\u00e1r \u010co najsk\u00f4r za\u010dnite komunikova\u0165 so svojou bankou. Ak ste vo vyhrotenej finan\u010dnej situ\u00e1cii, kedy by ste nemohli spl\u00e1ca\u0165 ani zn\u00ed\u017een\u00fa spl\u00e1tku, sk\u00faste si s bankou dohodn\u00fa\u0165 individu\u00e1lne rie\u0161enie. Ak bude banka ochotn\u00e1, m\u00f4\u017ee v\u00e1m schv\u00e1li\u0165 \u010fal\u0161\u00ed odklad vo forme \u0161tandardnej re\u0161trukturaliz\u00e1cie [&hellip;]","og_url":"https:\/\/www.fingo.sk\/blog\/prve-odklady-splatok-onedlho-skoncia-co-robit-ak-ste-stale-bez-penazi\/","og_site_name":"FinGO.sk","article_published_time":"2021-01-15T09:43:54+00:00","article_modified_time":"2021-01-21T06:38:58+00:00","og_image":[{"width":1733,"height":1153,"url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/11\/odklady-splatok.jpg","type":"image\/jpeg"}],"author":"Eva \u0160ablov\u00e1","twitter_card":"summary_large_image","twitter_misc":{"Autor":"Eva \u0160ablov\u00e1","Predpokladan\u00fd \u010das \u010d\u00edtania":"7 min\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fingo.sk\/blog\/prve-odklady-splatok-onedlho-skoncia-co-robit-ak-ste-stale-bez-penazi\/#article","isPartOf":{"@id":"https:\/\/www.fingo.sk\/blog\/prve-odklady-splatok-onedlho-skoncia-co-robit-ak-ste-stale-bez-penazi\/"},"author":{"name":"Eva \u0160ablov\u00e1","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/48a635316105ef367c341718fdb7cfeb"},"headline":"Prv\u00e9 odklady spl\u00e1tok sa kon\u010dia. \u010co robi\u0165, ak ste st\u00e1le bez pe\u0148az\u00ed?","datePublished":"2021-01-15T09:43:54+00:00","dateModified":"2021-01-21T06:38:58+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fingo.sk\/blog\/prve-odklady-splatok-onedlho-skoncia-co-robit-ak-ste-stale-bez-penazi\/"},"wordCount":1355,"publisher":{"@id":"https:\/\/www.fingo.sk\/blog\/#organization"},"keywords":["mesa\u010dn\u00e1 spl\u00e1tka hypot\u00e9ky","odklad spl\u00e1tok","probl\u00e9my"],"articleSection":["Hypot\u00e9ky","Pand\u00e9mia"],"inLanguage":"sk-SK"},{"@type":"WebPage","@id":"https:\/\/www.fingo.sk\/blog\/prve-odklady-splatok-onedlho-skoncia-co-robit-ak-ste-stale-bez-penazi\/","url":"https:\/\/www.fingo.sk\/blog\/prve-odklady-splatok-onedlho-skoncia-co-robit-ak-ste-stale-bez-penazi\/","name":"Prv\u00e9 odklady spl\u00e1tok sa kon\u010dia. \u010co robi\u0165, ak ste st\u00e1le bez pe\u0148az\u00ed? - FinGO.sk","isPartOf":{"@id":"https:\/\/www.fingo.sk\/blog\/#website"},"datePublished":"2021-01-15T09:43:54+00:00","dateModified":"2021-01-21T06:38:58+00:00","breadcrumb":{"@id":"https:\/\/www.fingo.sk\/blog\/prve-odklady-splatok-onedlho-skoncia-co-robit-ak-ste-stale-bez-penazi\/#breadcrumb"},"inLanguage":"sk-SK","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fingo.sk\/blog\/prve-odklady-splatok-onedlho-skoncia-co-robit-ak-ste-stale-bez-penazi\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.fingo.sk\/blog\/prve-odklady-splatok-onedlho-skoncia-co-robit-ak-ste-stale-bez-penazi\/#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":"Prv\u00e9 odklady spl\u00e1tok sa kon\u010dia. \u010co robi\u0165, ak ste st\u00e1le bez pe\u0148az\u00ed?"}]},{"@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. 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