{"id":3540,"date":"2021-05-25T10:05:24","date_gmt":"2021-05-25T08:05:24","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=3540"},"modified":"2022-02-09T15:25:38","modified_gmt":"2022-02-09T14:25:38","slug":"najvyhodnejsia-hypoteka","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/najvyhodnejsia-hypoteka\/","title":{"rendered":"Najv\u00fdhodnej\u0161ia hypot\u00e9ka: 10 r\u00e1d, pre\u010do ju rie\u0161i\u0165 so sk\u00fasen\u00fdm makl\u00e9rom"},"content":{"rendered":"<p><strong>Viete o tom, \u017ee hypot\u00e9ka s najni\u017e\u0161\u00edm \u00farokom nemus\u00ed by\u0165 v\u017edy t\u00e1 najv\u00fdhodnej\u0161ia? V\u00e4\u010d\u0161ina \u013eud\u00ed si to st\u00e1le neuvedomuje. Pritom keby si porovnali ponuky \u00faverov detailnej\u0161ie, mohli by plati\u0165 menej. Aj preto sa \u010doraz viac Slov\u00e1kov pri hypot\u00e9kach rad\u00ed s finan\u010dn\u00fdmi sprostredkovate\u013emi. Ak\u00e9 to m\u00e1 v\u00fdhody?\u00a0<\/strong><\/p>\n<p>Najviac \u013eud\u00ed pri hypot\u00e9ke pova\u017euje za najd\u00f4le\u017eitej\u0161iu \u00farokov\u00fa sadzbu, \u010do <strong>v prieskume FinGO.sk<\/strong> zhodnotilo 72 % makl\u00e9rov. A\u017e po \u00faroku je pre klientov najd\u00f4le\u017eitej\u0161ia v\u00fd\u0161ka \u00faveru a mesa\u010dn\u00e1 spl\u00e1tka, a pribli\u017ene \u0161tvrtina sa zauj\u00edma hlavne o fix\u00e1ciu na hypot\u00e9ke alebo mo\u017enosti mimoriadnych spl\u00e1tok. Paradoxne, len p\u00e4tina klientov si mysl\u00ed, \u017ee najd\u00f4le\u017eitej\u0161ie je celkov\u00e9 preplatenie \u00faveru.<\/p>\n<h2><span style=\"color: #ec8124;\">Najni\u017e\u0161\u00ed \u00farok neznamen\u00e1 v\u017edy aj najv\u00fdhodnej\u0161\u00ed \u00faver<\/span><\/h2>\n<ul>\n<li><a href=\"https:\/\/www.fingo.sk\/blog\/hypoteky-su-rekordne-lacne\/\"><strong>Najni\u017e\u0161\u00ed \u00farok<\/strong> <\/a>obvykle z\u00edskaj\u00fa klienti, ktor\u00ed si k hypot\u00e9ke dojednaj\u00fa aj \u010fal\u0161ie slu\u017eby ako je<strong> poistenie \u00faveru, nehnute\u013enosti,<\/strong> zriadia si <strong>akt\u00edvny \u00fa\u010det<\/strong> a presmeruj\u00fa platobn\u00fd styk do banky, ktor\u00e1 im \u00faver poskytla. Pr\u00e1ve vyu\u017e\u00edvanie a platenie za dodato\u010dn\u00e9 bankov\u00e9 produkty v\u0161ak m\u00f4\u017ee \u00faver v kone\u010dnom d\u00f4sledku<strong> predra\u017ei\u0165.<\/strong><\/li>\n<li>Fin\u00e1lny \u00farok m\u00f4\u017ee ovplyvni\u0165 aj pomer v\u00fd\u0161ky \u00faveru k hodnote nehnute\u013enosti <strong>(LTV)<\/strong> a niekedy aj <strong>typ a lokalita<\/strong> zakladanej nehnute\u013enosti. V niektor\u00fdch bank\u00e1ch m\u00f4\u017ee by\u0165 <strong>k\u013e\u00fa\u010dov\u00e1 aj v\u00fd\u0161ka \u00faveru<\/strong> a z\u00e1rove\u0148 pre \u00favery nad 80 % s\u00fa \u00faroky \u0161tandardne vy\u0161\u0161ie.<\/li>\n<\/ul>\n<blockquote><p>Klienti, ktor\u00ed nesp\u013a\u0148aj\u00fa \u201cide\u00e1lne krit\u00e9ri\u00e1\u201d b\u00e1nk, si za hypot\u00e9ku v\u017edy pripl\u00e1caj\u00fa viac.\u00a0Faktorov ovplyv\u0148uj\u00facich \u00farokov\u00fa sadzbu je ve\u013ea a TOP \u00faroky z reklamy obvykle z\u00edskaj\u00fa len klienti s najlep\u0161\u00edm ratingom pre dan\u00fa banku.<\/p><\/blockquote>\n<h2><span style=\"color: #ec8124;\">St\u00e1le viac Slov\u00e1kov sa obracia na makl\u00e9rov<\/span><\/h2>\n<p>Prieskum z\u00e1rove\u0148 uk\u00e1zal, pre\u010do sa st\u00e1le viac Slov\u00e1kov pri hypot\u00e9kach rad\u00ed so sk\u00fasen\u00fdmi finan\u010dn\u00fdmi sprostredkovate\u013emi. Najviac klientov oce\u0148uje pr\u00e1ve ich preh\u013ead o celom trhu, <strong>objekt\u00edvne a nez\u00e1visl\u00e9 <\/strong><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">porovnanie b\u00e1nk<\/a>. Ve\u013emi d\u00f4le\u017eit\u00e1 pre klientov je aj \u00faspora \u010dasu, <strong>r\u00fdchle a jednoduch\u00e9 <\/strong>vybavenie \u00faveru bez starost\u00ed. V\u00fdnimkou nie s\u00fa ani situ\u00e1cie, ke\u010f sprostredkovate\u013e vybav\u00ed v banke <strong>v\u00fdhodnej\u0161ie podmienky<\/strong>, ktor\u00e9 by si klient nedok\u00e1zal vyjedna\u0165 s\u00e1m.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-3542\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/Prieskum-pr\u00ednos-makl\u00e9ra.png\" alt=\"prieskum FinGO.sk\" width=\"600\" height=\"425\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/Prieskum-pr\u00ednos-makl\u00e9ra.png 1757w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/Prieskum-pr\u00ednos-makl\u00e9ra-300x212.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/Prieskum-pr\u00ednos-makl\u00e9ra-768x544.png 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/Prieskum-pr\u00ednos-makl\u00e9ra-1024x725.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/Prieskum-pr\u00ednos-makl\u00e9ra-1080x765.png 1080w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<h3><span style=\"color: #ec8124;\">10 r\u00e1d, pre\u010do rie\u0161i\u0165 hypot\u00e9ku s finan\u010dn\u00fdm sprostredkovate\u013eom<\/span><\/h3>\n<p><span style=\"color: #ec8124;\"><strong>1.<\/strong> <\/span>Sprostredkovate\u013e spolupracuje <strong>so v\u0161etk\u00fdmi bankami<\/strong> a pozn\u00e1 \u0161pecifik\u00e1 ka\u017edej z nich. Na rozdiel od pracovn\u00edka v konkr\u00e9tnej banke teda m\u00f4\u017ee zoh\u013eadni\u0165 va\u0161u situ\u00e1ciu a vyselektova\u0165 vopred tie banky, kde bude pre v\u00e1s najvhodnej\u0161ie poda\u0165 \u017eiados\u0165 o \u00faver.<\/p>\n<p><span style=\"color: #ec8124;\"><strong>2.\u00a0<\/strong><\/span>Na rozdiel od v\u00e1s m\u00e1 sprostredkovate\u013e v\u017edy <strong>aktu\u00e1lne a komplexn\u00e9 inform\u00e1cie<\/strong>, ktor\u00e9 v\u00e1m pom\u00f4\u017eu rie\u0161i\u0165 hypot\u00e9ku efekt\u00edvnej\u0161ie a r\u00fdchlej\u0161ie, ako by ste sa k jej ide\u00e1lnemu rie\u0161eniu dopracovali vy sami.<\/p>\n<p><span style=\"color: #ec8124;\"><strong>3.\u00a0<\/strong><\/span>Na pobo\u010dke banky v\u00e1m nepovedia, \u017ee by v\u00e1m v inej banke schv\u00e1lili vy\u0161\u0161\u00ed \u00faver, lep\u0161\u00ed \u00farok \u010di uznali problematick\u00fa nehnute\u013enos\u0165. Naopak, sk\u00fasen\u00fd sprostredkovate\u013e pozn\u00e1 <strong>v\u00fdhody, ale aj h\u00e1\u010diky<\/strong> \u00faverov\u00fdch produktov, ktor\u00e9 by mohli v\u00e1\u0161 \u00faver predra\u017ei\u0165. M\u00f4\u017eete s n\u00edm preto z\u00edska\u0165 lep\u0161ie podmienky a \u010dasto uspori\u0165 aj nem\u00e1lo pe\u0148az\u00ed.<\/p>\n<p><span style=\"color: #ec8124;\"><strong>4.\u00a0<\/strong><\/span>Sprostredkovate\u013e m\u00f4\u017ee zabr\u00e1ni\u0165 tomu, aby sa v\u00e1\u0161 \u00faver spracov\u00e1val v bank\u00e1ch, kde by v\u00e1m vzh\u013eadom na v\u00e1\u0161 profil alebo typ zabezpe\u010denia hypot\u00e9ky <strong>hrozilo schv\u00e1lenie hor\u0161\u00edch podmienok<\/strong> alebo dokonca zamietnutie va\u0161ej \u017eiadosti. To by malo negat\u00edvny vplyv na va\u0161e hodnotenie v \u00faverovom registri.<\/p>\n<p><span style=\"color: #ec8124;\"><strong>5.\u00a0<\/strong><\/span>Makl\u00e9r vie objekt\u00edvne lep\u0161ie vyhodnoti\u0165 va\u0161e mo\u017enosti \u00faverovania obzvl\u00e1\u0161\u0165 v s\u00fa\u010dasnosti, kedy sa <strong>dostupnos\u0165 hypot\u00e9k zhor\u0161ila<\/strong>. Net\u00fdka sa to len obmedzen\u00ed oh\u013eadom pand\u00e9mie, ale aj spr\u00edsnen\u00fdch n\u00e1rokov na finan\u010dn\u00fa rezervu klienta \u010di obmedzenia oh\u013eadom \u00faverov\u00e9ho stropu <a href=\"https:\/\/www.fingo.sk\/blog\/zvazujete-novu-hypoteku\/\">pod\u013ea opatren\u00ed NBS<\/a>.<\/p>\n<p><a href=\"https:\/\/www.fingo.sk\/vypocet-hypoteky?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=maxhypo_gif\"><img decoding=\"async\" class=\"alignnone wp-image-3903 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/06\/FinGO.sk-v\u00fdpo\u010det-hypot\u00e9ky.gif\" alt=\"Fingo v\u00fdpo\u010det hypot\u00e9ky kalkula\u010dka\" width=\"1074\" height=\"759\" \/><\/a><\/p>\n<p><span style=\"color: #ec8124;\"><strong>6.\u00a0<\/strong><\/span>Obzvl\u00e1\u0161\u0165 d\u00f4le\u017eit\u00e9 je spr\u00e1vne postupova\u0165, ak u\u017e nejak\u00e9 \u00favery m\u00e1te. Ak toti\u017e chybne zhodnot\u00edte svoje mo\u017enosti, m\u00f4\u017eete si neuv\u00e1\u017eenou \u017eiados\u0165ou o \u00faver v jednej banke <strong>zablokova\u0165 \u010fal\u0161ie mo\u017enosti <\/strong>v inej banke, \u010di u\u017e by \u0161lo o dofinancovanie hypot\u00e9ky alebo <a href=\"https:\/\/www.fingo.sk\/blog\/refinancovanie-hypoteky\/\">konsolid\u00e1ciu<\/a> va\u0161ich \u00faverov.<\/p>\n<p><span style=\"color: #ec8124;\"><strong>7.\u00a0<\/strong><\/span>V bank\u00e1ch obvykle rie\u0161ia pobo\u010dkov\u00ed pracovn\u00edci len konkr\u00e9tnu potrebu klienta bez toho, aby zv\u00e1\u017eili dosah na jeho <strong>\u010fal\u0161ie finan\u010dn\u00e9 pl\u00e1ny<\/strong>. Tomuto sa vyhnete, ak po\u017eiadate o pomoc finan\u010dn\u00e9ho agenta, ktor\u00e9mu poviete o va\u0161ej situ\u00e1cii a cie\u013eoch, ktor\u00e9 pri v\u00fdbere a nastaven\u00ed \u00faveru zoh\u013eadn\u00ed.<\/p>\n<p><span style=\"color: #ec8124;\"><strong>8.\u00a0<\/strong><\/span>Sprostredkovate\u013e s\u00e1m s oh\u013eadom na va\u0161u situ\u00e1ciu a pl\u00e1ny m\u00f4\u017ee pom\u00f4c\u0165 nastavi\u0165 <strong>mesa\u010dn\u00e9 spl\u00e1tky<\/strong> tak, aby ste si popri spl\u00e1can\u00ed hypot\u00e9ky dok\u00e1zali peniaze<strong> aj odklada\u0165 a investova\u0165<\/strong>, porad\u00ed aj s v\u00fdberom investi\u010dn\u00e9ho produktu. Budete si tak tvori\u0165 rezervu na pr\u00edpadn\u00e9 opravy \u010di rekon\u0161trukciu b\u00fdvania.<\/p>\n<p><span style=\"color: #ec8124;\"><strong>9.\u00a0<\/strong><\/span>Pri k\u00fape nehnute\u013enosti banka vy\u017eaduje, aby bola zalo\u017een\u00e1 <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">nehnute\u013enos\u0165 aj poisten\u00e1<\/a>. Ke\u010f\u017ee <strong>ide o v\u00e1\u0161 majetok<\/strong>, neuzatv\u00e1rajte poistku len v rozsahu po\u017eadovanom bankou. So sprostredkovate\u013eom si ju nastav\u00edte tak, aby chr\u00e1nila v\u00e1\u0161 majetok komplexne. Makl\u00e9r v\u00e1m<strong> nastav\u00ed aj \u017eivotn\u00e9 poistenie<\/strong>, ktor\u00e9 v\u00e1m pom\u00f4\u017ee pri ne\u010dakan\u00fdch udalostiach spojen\u00fdch so stratou pr\u00edjmu, kedy by ste \u00faver nedok\u00e1zali spl\u00e1ca\u0165. <a href=\"https:\/\/www.fingo.sk\/blog\/7-rad-o-poisteni-hypoteky-ochrante-seba-aj-svoju-rodinu\/\">Ochr\u00e1nite<\/a> tak seba, aj svoju rodinu.<\/p>\n<p><span style=\"color: #ec8124;\"><strong>10.\u00a0<\/strong><\/span>Sprostredkovate\u013e sa bude o va\u0161u hypot\u00e9ku stara\u0165 aj na\u010falej. Bude sledova\u0165 jej v\u00fdro\u010die fix\u00e1cie, v\u00fdvoj a zmeny na hypotek\u00e1rnom trhu a <strong>podmienky \u00faveru<\/strong> v\u017edy prehodnot\u00ed tak, aby boli <strong>nastaven\u00e9 najlep\u0161ie<\/strong> s oh\u013eadom na va\u0161u aktu\u00e1lnu \u017eivotn\u00fa situ\u00e1ciu.<\/p>\n<blockquote><p>Mno\u017estvo praktick\u00fdch r\u00e1d a tipov pri v\u00fdbere vhodnej hypot\u00e9ky n\u00e1jdete aj v na\u0161om sprievodcovi k nov\u00e9mu b\u00fdvaniu, ktor\u00e9ho si m\u00f4\u017eete\u00a0<a class=\"c-link\" tabindex=\"-1\" href=\"https:\/\/www.fingo.sk\/ebook\/10-1-krok-k-novemu-byvaniu\" target=\"_blank\" rel=\"noopener noreferrer\" data-stringify-link=\"https:\/\/www.fingo.sk\/ebook\/10-1-krok-k-novemu-byvaniu\" data-sk=\"tooltip_parent\" data-remove-tab-index=\"true\">stiahnu\u0165 zadarmo<\/a>.<\/p><\/blockquote>\n<p><a href=\"https:\/\/www.fingo.sk\/ebook\/10-1-krok-k-novemu-byvaniu\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"aligncenter wp-image-4752 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/12\/meta_ebook-1.png\" alt=\"Fingo_hypo_ebook\" width=\"740\" height=\"387\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/12\/meta_ebook-1.png 740w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/12\/meta_ebook-1-300x157.png 300w\" sizes=\"(max-width: 740px) 100vw, 740px\" \/><\/a><\/p>\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Ak h\u013ead\u00e1te najv\u00fdhodnej\u0161iu hypot\u00e9ku, na\u0161i sk\u00fasen\u00ed finan\u010dn\u00ed sprostredkovatelia<span style=\"color: #ec8124;\">\u00a0<a href=\"https:\/\/www.fingo.sk\/\">z FinGO.sk<\/a><\/span>\u00a0v\u00e1m radi pom\u00f4\u017eu.\u00a0Zavolajte n\u00e1m na<b>\u00a0<a href=\"tel:0800601060\"><span style=\"color: #ec8124;\">0800 60 10 60<\/span><\/a><\/b>\u00a0alebo n\u00e1m zanechajte svoje kontaktn\u00e9 \u00fadaje\u00a0a na\u0161e call centrum v\u00e1s spoj\u00ed s makl\u00e9rom vo va\u0161om okol\u00ed.<\/p>\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\/3540#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\n","protected":false},"excerpt":{"rendered":"<p>Viete o tom, \u017ee hypot\u00e9ka s najni\u017e\u0161\u00edm \u00farokom nemus\u00ed by\u0165 v\u017edy t\u00e1 najv\u00fdhodnej\u0161ia? V\u00e4\u010d\u0161ina \u013eud\u00ed si to st\u00e1le neuvedomuje. Pritom keby si porovnali ponuky \u00faverov detailnej\u0161ie, mohli by plati\u0165 menej. Aj preto sa \u010doraz viac Slov\u00e1kov pri hypot\u00e9kach rad\u00ed s finan\u010dn\u00fdmi sprostredkovate\u013emi. Ak\u00e9 to m\u00e1 v\u00fdhody?\u00a0 Najviac \u013eud\u00ed pri hypot\u00e9ke pova\u017euje za najd\u00f4le\u017eitej\u0161iu \u00farokov\u00fa sadzbu, \u010do v prieskume FinGO.sk zhodnotilo 72 % makl\u00e9rov. A\u017e po \u00faroku je pre klientov najd\u00f4le\u017eitej\u0161ia v\u00fd\u0161ka \u00faveru a mesa\u010dn\u00e1 spl\u00e1tka, a pribli\u017ene \u0161tvrtina sa zauj\u00edma hlavne o fix\u00e1ciu na hypot\u00e9ke alebo mo\u017enosti mimoriadnych spl\u00e1tok. Paradoxne, len p\u00e4tina klientov si mysl\u00ed, \u017ee najd\u00f4le\u017eitej\u0161ie je celkov\u00e9 preplatenie \u00faveru. Najni\u017e\u0161\u00ed \u00farok neznamen\u00e1 v\u017edy aj najv\u00fdhodnej\u0161\u00ed \u00faver Najni\u017e\u0161\u00ed \u00farok obvykle z\u00edskaj\u00fa klienti, ktor\u00ed si k hypot\u00e9ke dojednaj\u00fa aj \u010fal\u0161ie slu\u017eby ako je poistenie \u00faveru, nehnute\u013enosti, zriadia si akt\u00edvny \u00fa\u010det a presmeruj\u00fa platobn\u00fd styk do banky, ktor\u00e1 im \u00faver poskytla. Pr\u00e1ve vyu\u017e\u00edvanie a platenie za dodato\u010dn\u00e9 bankov\u00e9 produkty v\u0161ak m\u00f4\u017ee \u00faver v kone\u010dnom d\u00f4sledku predra\u017ei\u0165. Fin\u00e1lny \u00farok m\u00f4\u017ee ovplyvni\u0165 aj pomer v\u00fd\u0161ky \u00faveru k hodnote nehnute\u013enosti (LTV) a niekedy aj typ a lokalita zakladanej nehnute\u013enosti. V niektor\u00fdch bank\u00e1ch m\u00f4\u017ee by\u0165 k\u013e\u00fa\u010dov\u00e1 aj v\u00fd\u0161ka \u00faveru a z\u00e1rove\u0148 pre \u00favery nad 80 % s\u00fa \u00faroky \u0161tandardne vy\u0161\u0161ie. Klienti, ktor\u00ed nesp\u013a\u0148aj\u00fa \u201cide\u00e1lne krit\u00e9ri\u00e1\u201d [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":3579,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,5,4],"tags":[195,36,163,27],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Najv\u00fdhodnej\u0161ia hypot\u00e9ka: 10 r\u00e1d, pre\u010do ju rie\u0161i\u0165 so sk\u00fasen\u00fdm makl\u00e9rom - FinGO.sk<\/title>\n<meta name=\"description\" content=\"H\u013ead\u00e1te najv\u00fdhodnej\u0161iu hypot\u00e9ku? Spo\u013eahnite sa na finan\u010dn\u00fdch expertov. 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