{"id":2972,"date":"2021-01-13T18:31:40","date_gmt":"2021-01-13T17:31:40","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=2972"},"modified":"2021-04-22T12:59:28","modified_gmt":"2021-04-22T10:59:28","slug":"chcete-hypoteku","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/chcete-hypoteku\/","title":{"rendered":"Chcete hypot\u00e9ku 150 000 eur alebo refinancova\u0165 star\u0161\u00ed \u00faver? V ka\u017edej banke pochod\u00edte inak"},"content":{"rendered":"

V jednej banke \u00faver dostanete, v \u010fal\u0161ej v\u00e1m schv\u00e1lia menej pe\u0148az\u00ed, z tretej m\u00f4\u017eete od\u00eds\u0165 aj napr\u00e1zdno. Ke\u010f\u017ee \u013eudia sa v podmienkach a rozdieloch naprie\u010d cel\u00fdm bankov\u00fdm trhom nevyznaj\u00fa, financovanie svojho b\u00fdvania \u010dasto nevyrie\u0161ia najv\u00fdhodnej\u0161ie<\/a>. Pritom by so sk\u00fasen\u00fdm sprostredkovate\u013eom u\u0161etrili nielen \u010das a peniaze, ale aj mno\u017estvo stresov. Presved\u010dte sa sami.<\/b><\/p>\n

PR\u00cdKLAD 1: Rodina potrebuje hypot\u00e9ku 150 000 \u20ac<\/b><\/span><\/h2>\n

V rodine s\u00fa ob<\/strong><\/span>\"\"aja man\u017eelia \u017eivnostn\u00edci<\/strong> – man\u017eel m\u00e1 stavebn\u00fa firmu, man\u017eelka je \u00fa\u010dtovn\u00ed\u010dka. Maj\u00fa dve deti a chc\u00fa k\u00fapi\u0165 za dom za 190 000 \u20ac. Potrebuj\u00fa hypot\u00e9ku 150 000 \u20ac a maj\u00fa vlastn\u00e9 zdroje 40 000 \u20ac. V s\u00fa\u010dasnosti u\u017e maj\u00fa hypot\u00e9ku na byt, ktor\u00fd si chc\u00fa ponecha\u0165 a prenaj\u00edma\u0165 ho.<\/p>\n

Pr\u00edjmy: <\/b><\/span>Man\u017eel m\u00e1 tr\u017eby pod\u013ea aktu\u00e1lneho da\u0148ov\u00e9ho priznania vo v\u00fd\u0161ke 30 000 \u20ac a man\u017eelka m\u00e1 tr\u017eby vo v\u00fd\u0161ke 24 000 \u20ac. K tomu dost\u00e1vaj\u00fa rodinn\u00e9 pr\u00eddavky na dve deti.\u00a0<\/span><\/p>\n

V\u00fddavky:<\/b><\/span> Spl\u00e1caj\u00fa hypot\u00e9ku na byt so zostatkom 25 000 \u20ac a spl\u00e1tkou 120 \u20ac. Chc\u00fa si hypot\u00e9ku necha\u0165 a byt prenaja\u0165.<\/span><\/p>\n

Ako pochodia v bank\u00e1ch:<\/span> <\/b>Rozdiel medzi pr\u00edjmami, ktor\u00e9 klientom banky v tomto pr\u00edpade akceptovali, je a\u017e 600 \u20ac.<\/strong> Zatia\u013e \u010do jedna banka uznala rodine celkov\u00fd pr\u00edjem 2259 \u20ac, in\u00e1 banka z predlo\u017een\u00fdch da\u0148ov\u00fdch priznan\u00ed akceptovala len 1624 \u20ac.\u00a0<\/span><\/p>\n

Banka \u010d. 1 akceptuje pr\u00edjem 2259 \u20ac – vych\u00e1dza im po\u017eadovan\u00e1 v\u00fd\u0161ka \u00faveru 150 000 \u20ac<\/span><\/p>\n

Banka \u010d. 2 akceptuje pr\u00edjem 1800 \u20ac – vych\u00e1dza \u00faver len do 144 000 \u20ac<\/span><\/p>\n

Banka \u010d. 3 akceptuje pr\u00edjem 1659 \u20ac – vych\u00e1dza \u00faver len do 122 000 \u20ac\u00a0<\/span><\/p>\n

Banka \u010d. 4 akceptuje pr\u00edjem 1624 \u20ac – vych\u00e1dza \u00faver len do 115 000 \u20ac<\/span><\/p>\n

Klienti tak m\u00f4\u017eu dosta\u0165 <\/span>po\u017eadovan\u00fa sumu \u00faveru 150 000 \u20ac len v jednej banke, <\/b>ktor\u00e1 im uznala pr\u00edjem tak, aby im vy\u0161la spl\u00e1tka posta\u010duj\u00faca pre limity nastaven\u00e9 NBS. Ostatn\u00e9 banky by im schv\u00e1lili ni\u017e\u0161\u00ed \u00faver.<\/span><\/p>\n

Zvl\u00e1\u0161\u0165 pre podnikate\u013eov s\u00fa makl\u00e9ri ve\u013ekou pomocou<\/span><\/b><\/h3>\n

Ke\u010f\u017ee be\u017en\u00fd \u010dlovek nepozn\u00e1 metodiku b\u00e1nk, nemus\u00ed sa tak \u013eahko dopracova\u0165 k \u017eelan\u00e9mu v\u00fdsledku. Navy\u0161e, ak pod\u00e1 \u017eiados\u0165 o \u00faver v banke, kde mu ju zamietnu, zbyto\u010dne mu vznikne z\u00e1znam v \u00faverovom registri. Zvl\u00e1\u0161\u0165 u \u017eivnostn\u00edkov alebo s.r.o-\u010dk\u00e1rov<\/a> je ve\u013ekou pomocou fundovan\u00fd finan\u010dn\u00fd sprostredkovate\u013e, ktor\u00fd ovl\u00e1da sp\u00f4sob akcept\u00e1cie pr\u00edjmu v jednotliv\u00fdch bank\u00e1ch. <\/span><\/p>\n

Makl\u00e9r vie pos\u00fadi\u0165, kde m\u00e1te \u0161ancu na po\u017eadovan\u00fa v\u00fd\u0161ku hypot\u00e9ky a kde na \u0148u m\u00f4\u017eete zabudn\u00fa\u0165.<\/span><\/p><\/blockquote>\n

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

PR\u00cdKLAD 2: Mlad\u00fd mu\u017e pracuj\u00faci v zahrani\u010d\u00ed chce refinancova\u0165 \u00faver<\/b><\/span><\/h2>\n

\"\"Mlad\u00fd mu\u017e dlhodobo pracuj\u00faci v zahrani\u010d\u00ed chce refinancova\u0165 svoju hypot\u00e9ku<\/a>, ktor\u00fa si bral pred nieko\u013ek\u00fdmi rokmi na k\u00fapu bytu a spotrebn\u00fd \u00faver, ktor\u00fdm rie\u0161il k\u00fapu auta. Pracuje ako \u0161pedit\u00e9r v Nemecku vo firme, kde je zamestnan\u00fd 4 roky.<\/span><\/p>\n

Pr\u00edjmy:<\/b><\/span> Jeho priemern\u00fd \u010dist\u00fd mesa\u010dn\u00fd pr\u00edjem je 2 700 \u20ac.<\/span><\/p>\n

V\u00fddavky:<\/span> <\/b>Okrem uveden\u00fdch \u00faverov nem\u00e1 \u017eiadne \u010fal\u0161ie spl\u00e1tky \u00faverov.<\/span><\/p>\n

Ako pochod\u00ed v bank\u00e1ch: <\/b><\/span>Klient sa vzh\u013eadom na v\u00fd\u0161ku svojho pr\u00edjmu kvalifikuje na \u00faver, av\u0161ak len pribli\u017ene v ka\u017edej druhej banke.<\/strong> T\u00fdm, \u017ee pracuje v zahrani\u010d\u00ed, je pre niektor\u00e9 banky tento typ pr\u00edjmu neakceptovate\u013en\u00fd, resp. posudzuj\u00fa ho pr\u00edsnej\u0161ie.<\/span> S\u00favis\u00ed to s obmedzeniami COVID-19, ktor\u00e9 limituj\u00fa ochotu b\u00e1nk poskytova\u0165 \u00favery, pr\u00edpadne ich akceptovanie ur\u010dit\u00fdm skupin\u00e1m \u013eud\u00ed posudzuj\u00fa na v\u00fdnimku.<\/span><\/p>\n

S makl\u00e9rom by sa vyhol zbyto\u010dn\u00e9mu pod\u00e1vaniu \u017eiadost\u00ed<\/b><\/span><\/h3>\n

Aby klient minimalizoval riziko zamietnutia \u00faveru, op\u00e4\u0165 by sa mal sk\u00f4r ako pod\u00e1 \u017eiados\u0165 v nevhodnej banke,<\/strong> poradi\u0165 s finan\u010dn\u00fdm sprostredkovate\u013eom<\/a>. Ten pozn\u00e1 aktu\u00e1lne nastavenia bankov\u00fdch \u0161tandardov a vie pred\u00eds\u0165 zbyto\u010dn\u00e9mu pod\u00e1vaniu \u017eiadost\u00ed tam, kde je ni\u017e\u0161ia \u0161anca schv\u00e1lenia. <\/span><\/p>\n

Okrem toho makl\u00e9r v\u00fdrazne u\u0161etr\u00ed \u010das klientovi, ktor\u00fd by s\u00e1m musel absolvova\u0165 zd\u013ahav\u00fd prieskum trhu.<\/span><\/p><\/blockquote>\n

Finan\u010dn\u00fd sprostredkovate\u013e v\u00e1m pom\u00f4\u017ee zadarmo<\/b><\/span><\/h2>\n

Slu\u017eby finan\u010dn\u00fdch sprostredkovate\u013eov s\u00fa zo z\u00e1kona bezplatn\u00e9 a v\u00fdhodou je aj to, \u017ee v\u00e1m zastre\u0161ia nielen v\u00fdber banky, ale aj cel\u00fd proces vybavenia \u00faveru. Makl\u00e9r v\u00e1m pom\u00f4\u017ee aj s katastrom \u010di so znaleck\u00fdm posudkom<\/strong>, porad\u00ed ako si \u00faver kvalitne poisti\u0165 alebo kam investova\u0165, ak by ste hypot\u00e9ku chceli splati\u0165 r\u00fdchlej\u0161ie<\/a>. U\u0161etr\u00edte tak peniaze, \u010das aj mno\u017estvo stresov.\u00a0<\/span><\/p>\n

TIP:<\/span> <\/b>Hypotek\u00e1rni makl\u00e9ri z FinGO.sk patria k \u0161pi\u010dke na trhu. N\u00e1jdete n\u00e1s na celom Slovensku<\/a> a m\u00f4\u017eete sa s nimi spoji\u0165 aj online.<\/span><\/p>\n

Zavolajte n\u00e1m na 0800 60 10 60<\/span> alebo n\u00e1m zanechajte kontaktn\u00e9 \u00fadaje a my sa v\u00e1m ozveme. Na FinGO.sk sa m\u00f4\u017eete spo\u013eahn\u00fa\u0165.<\/span><\/p>\n

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

    V jednej banke \u00faver dostanete, v \u010fal\u0161ej v\u00e1m schv\u00e1lia menej pe\u0148az\u00ed, z tretej m\u00f4\u017eete od\u00eds\u0165 aj napr\u00e1zdno. Ke\u010f\u017ee \u013eudia sa v podmienkach a rozdieloch naprie\u010d cel\u00fdm bankov\u00fdm trhom nevyznaj\u00fa, financovanie svojho b\u00fdvania \u010dasto nevyrie\u0161ia najv\u00fdhodnej\u0161ie. Pritom by so sk\u00fasen\u00fdm sprostredkovate\u013eom u\u0161etrili nielen \u010das a peniaze, ale aj mno\u017estvo stresov. Presved\u010dte sa sami. PR\u00cdKLAD 1: Rodina potrebuje hypot\u00e9ku 150 000 \u20ac V rodine s\u00fa obaja man\u017eelia \u017eivnostn\u00edci – man\u017eel m\u00e1 stavebn\u00fa firmu, man\u017eelka je \u00fa\u010dtovn\u00ed\u010dka. Maj\u00fa dve deti a chc\u00fa k\u00fapi\u0165 za dom za 190 000 \u20ac. Potrebuj\u00fa hypot\u00e9ku 150 000 \u20ac a maj\u00fa vlastn\u00e9 zdroje 40 000 \u20ac. V s\u00fa\u010dasnosti u\u017e maj\u00fa hypot\u00e9ku na byt, ktor\u00fd si chc\u00fa ponecha\u0165 a prenaj\u00edma\u0165 ho. Pr\u00edjmy: Man\u017eel m\u00e1 tr\u017eby pod\u013ea aktu\u00e1lneho da\u0148ov\u00e9ho priznania vo v\u00fd\u0161ke 30 000 \u20ac a man\u017eelka m\u00e1 tr\u017eby vo v\u00fd\u0161ke 24 000 \u20ac. K tomu dost\u00e1vaj\u00fa rodinn\u00e9 pr\u00eddavky na dve deti.\u00a0 V\u00fddavky: Spl\u00e1caj\u00fa hypot\u00e9ku na byt so zostatkom 25 000 \u20ac a spl\u00e1tkou 120 \u20ac. Chc\u00fa si hypot\u00e9ku necha\u0165 a byt prenaja\u0165. Ako pochodia v bank\u00e1ch: Rozdiel medzi pr\u00edjmami, ktor\u00e9 klientom banky v tomto pr\u00edpade akceptovali, je a\u017e 600 \u20ac. Zatia\u013e \u010do jedna banka uznala rodine celkov\u00fd pr\u00edjem 2259 \u20ac, in\u00e1 banka z predlo\u017een\u00fdch da\u0148ov\u00fdch priznan\u00ed akceptovala len 1624 […]<\/p>\n","protected":false},"author":17,"featured_media":2978,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,5,157],"tags":[98,18,158],"yoast_head":"\nChcete hypot\u00e9ku 150 000 eur alebo refinancova\u0165 star\u0161\u00ed \u00faver? V ka\u017edej banke pochod\u00edte inak - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Chcete hypot\u00e9ku? V jednej banke \u00faver dostanete, v \u010fal\u0161ej v\u00e1m schv\u00e1lia menej pe\u0148az\u00ed, z tretej m\u00f4\u017eete od\u00eds\u0165 aj napr\u00e1zdno. 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