{"id":6089,"date":"2022-05-30T07:53:22","date_gmt":"2022-05-30T05:53:22","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=6089"},"modified":"2022-05-31T16:52:03","modified_gmt":"2022-05-31T14:52:03","slug":"najcastejsie-prekazky-pri-hypoteke-a-tipy-ako-ich-riesit","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/najcastejsie-prekazky-pri-hypoteke-a-tipy-ako-ich-riesit\/","title":{"rendered":"Naj\u010dastej\u0161ie prek\u00e1\u017eky pri hypot\u00e9ke a tipy, ako ich rie\u0161i\u0165"},"content":{"rendered":"\n<p><b>Dostali ste pri hypot\u00e9ke stopku? Nez\u00fafajte, niekedy sa to stane. D\u00f4vody m\u00f4\u017eu by\u0165 r\u00f4zne &#8211; mo\u017eno me\u0161k\u00e1te s odvodmi, neustriehli ste si zaplatenie dan\u00ed, alebo pracujete prive\u013emi kr\u00e1tko a banka si nem\u00e1 ako overi\u0165 v\u00e1\u0161 pr\u00edjem. Pre\u010d\u00edtajte si, ak\u00e9 s\u00fa naj\u010dastej\u0161ie prek\u00e1\u017eky, ktor\u00e9 \u013eud\u00ed brzdia pri hypot\u00e9ke. Sp\u00edsali sme pre v\u00e1s aj nieko\u013eko tipov, ako sa daj\u00fa rie\u0161i\u0165.<\/b><\/p>\n<p><b>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ak\u00e9 s\u00fa naj\u010dastej\u0161ie prek\u00e1\u017eky pri hypot\u00e9ke<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pre\u010do si posvieti\u0165 na dlhy \u010di na ome\u0161kania odvodov\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kedy pova\u017euje banka v\u00e1\u0161 pr\u00edjem za rizikov\u00fd a \u010do s t\u00fdm\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ak\u00e9 nehnute\u013enosti banky v\u00e4\u010d\u0161inou nie s\u00fa ochotn\u00e9 akceptova\u0165<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ako sa probl\u00e9mom pri \u00favere vyhn\u00fa\u0165 v predstihu a<\/span><a href=\"https:\/\/www.fingo.sk\/kontakty\"><span style=\"font-weight: 400;\"> s k\u00fdm sa poradi\u0165<\/span><\/a><\/li>\n<\/ul>\n<h2><strong><span style=\"color: #ec8124;\">DLHY, OME\u0160KANIA<\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Banka sa potrebuje uisti\u0165, aby ste jej hypot\u00e9ku dok\u00e1zali spl\u00e1ca\u0165 bez probl\u00e9mov. Ka\u017ed\u00fd v\u00e1\u0161 rizikov\u00fd pohyb na \u00fa\u010dte, ome\u0161kania spl\u00e1tok \u00faverov alebo ak\u00e9ko\u013evek nedoplatky \u010di in\u00e9 podl\u017enosti vo\u010di \u0161t\u00e1tnym in\u0161tit\u00faci\u00e1m \u010di dokonca exek\u00facie vzbudzuj\u00fa pochybnosti o va\u0161om zodpovednom finan\u010dnom spr\u00e1van\u00ed a do ich vyrie\u0161enia znamenaj\u00fa stopku pri \u00favere.<\/span><\/p>\n<h3><strong><span style=\"color: #ec8124;\">Naj\u010dastej\u0161ie prek\u00e1\u017eky:\u00a0<\/span><\/strong><\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Negat\u00edvne z\u00e1znamy v registroch zdravotnej a Soci\u00e1lnej pois\u0165ovne, finan\u010dnej spr\u00e1vy\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Ome\u0161kania na spl\u00e1tkach \u00faverov, zosplatnen\u00e9 \u00favery<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Exek\u00facia z in\u00e9ho titulu, vyhl\u00e1sen\u00fd osobn\u00fd bankrot<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Ak m\u00e1te odlo\u017een\u00e9 spl\u00e1canie in\u00e9ho \u00faveru \u010di \u00faverov<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Viac zamietnut\u00fdch \u00faverov <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/uverovy-register-co-vsetko-o-vas-prezradi\/\"><span style=\"font-weight: 400;\">v \u00faverovom registri<\/span><\/a><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Rizikov\u00e9 pohyby na \u00fa\u010dte napr. na hazardn\u00e9 hry, st\u00e1vkovanie<\/span><\/li>\n<\/ul>\n<p><strong><span style=\"color: #ec8124;\">TIP:<\/span> <\/strong><span style=\"font-weight: 400;\">Najsk\u00f4r vyrovnajte v\u0161etky va\u0161e podl\u017enosti a n\u00e1sledne si overte vymazanie negat\u00edvnych z\u00e1znamov z registrov. V z\u00e1vislosti od konkr\u00e9tneho d\u00f4vodu n\u00e1sledne m\u00f4\u017eete o \u00faver po\u017eiada\u0165 o nieko\u013eko t\u00fd\u017ed\u0148ov alebo mesiacov, pri osobnom bankrote a\u017e po 5 rokoch.<\/span><\/p>\n<blockquote>\n<p>Viac r\u00e1d o tom, kedy sa oplat\u00ed po\u017eiada\u0165 o hypot\u00e9ku znova, si m\u00f4\u017eete pre\u010d\u00edta\u0165 aj v na\u0161om <a href=\"https:\/\/www.fingo.sk\/blog\/neschvalili-vam-ziadost-o-hypoteku-kedy-to-skusit-znova\/\">\u010fal\u0161om \u010dl\u00e1nku.\u00a0<\/a><\/p>\n<\/blockquote>\n<h2><strong><span style=\"color: #ec8124;\">RIZIKOV\u00dd PRACOVN\u00dd POMER<\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Banky v\u00e1m m\u00f4\u017eu poskytn\u00fa\u0165 <\/span><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\"><span style=\"font-weight: 400;\">hypot\u00e9ku<\/span><\/a><span style=\"font-weight: 400;\"> len v tom pr\u00edpade a v takej v\u00fd\u0161ke, aby ste ju vedeli pravidelne spl\u00e1ca\u0165. Preto si pri \u017eiadosti d\u00f4kladne preveruj\u00fa <a href=\"https:\/\/www.fingo.sk\/vypocet-hypoteky\">va\u0161e pr\u00edjmy<\/a> aj v\u00fddavky, stabilitu v\u00e1\u0161ho zamestnania alebo podnikania. Ka\u017ed\u00fd n\u00e1znak toho, \u017ee by ste mohli pr\u00eds\u0165 o pr\u00edjem alebo by sa v\u00e1\u0161 pr\u00edjem mohol v\u00fdrazne zn\u00ed\u017ei\u0165, schv\u00e1lenie \u00faveru ohrozuje.<\/span><\/p>\n<h3><strong><span style=\"color: #ec8124;\">Naj\u010dastej\u0161ie prek\u00e1\u017eky:<\/span><\/strong><\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Nepravideln\u00fd pr\u00edjem alebo v\u00fdpadok pr\u00edjmu z podnikania<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Kr\u00e1tka doba zamestnania, ktor\u00e9 trv\u00e1 menej ako 3 mesiace<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Kr\u00e1tka doba podnikania, zatia\u013e nem\u00e1te ukon\u010den\u00e9 zda\u0148ovacie obdobie<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Pracovn\u00fd pomer sa pod\u013ea zmluvy skon\u010d\u00ed do 3 mesiacov po podan\u00ed \u017eiadosti o \u00faver<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Pracovn\u00e1 doba na dobu ur\u010dit\u00fa &#8211; doba neur\u010dit\u00e1 znamen\u00e1 vy\u0161\u0161iu istotu a zav\u00e1\u017ei<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Rizikov\u00fd zamestn\u00e1vate\u013e, ktor\u00fd podnik\u00e1 kr\u00e1tko, m\u00e1 podl\u017enosti alebo vykazuje stratu<\/span><\/li>\n<\/ul>\n<p><strong><span style=\"color: #ec8124;\">TIP:<\/span> <\/strong><span style=\"font-weight: 400;\">Dohodnite sa so zamestn\u00e1vate\u013eom na \u00faprave pracovnej zmluvy, ide\u00e1lne na dobu neur\u010dit\u00fa. Ak va\u0161a zmluva do 3 mesiacov kon\u010d\u00ed, po\u017eiadajte o potvrdenie, \u017ee budete v pr\u00e1ci pokra\u010dova\u0165. <a href=\"https:\/\/www.fingo.sk\/blog\/hypoteka-pre-zivnostnikov\/\">Pri podnikan\u00ed<\/a> sa postarajte, aby v\u00e1m platby za pr\u00e1cu nabehli na \u00fa\u010det, dolo\u017ete fakt\u00fary, pr\u00edjmov\u00e9 doklady.\u00a0<\/span><\/p>\n<h2><strong><span style=\"color: #ec8124;\">NEDOSTATO\u010cN\u00dd A NEST\u00c1LY PR\u00cdJEM<\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Banky sa musia riadi\u0165 aj <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/10-rad-na-co-mysliet-pred-ziadostou-o-hypoteku\/\"><span style=\"font-weight: 400;\">pravidlami<\/span><\/a><span style=\"font-weight: 400;\"> N\u00e1rodnej banky Slovenska, ktor\u00e9 v\u00e1s limituj\u00fa vo v\u00fd\u0161ke hypot\u00e9ky vzh\u013eadom na v\u00e1\u0161 pr\u00edjem aj k po\u010dtu vy\u017eivovan\u00fdch os\u00f4b. Preto m\u00f4\u017eete narazi\u0165 na finan\u010dn\u00fd strop \u00faveru. Ten limituje aj maxim\u00e1lna mo\u017en\u00e1 spl\u00e1tka, ktor\u00e1 spolu s ostatn\u00fdmi va\u0161imi spl\u00e1tkami nesmie presiahnu\u0165 60 % \u010dist\u00e9ho pr\u00edjmu rodiny po odr\u00e1tan\u00ed \u017eivotn\u00e9ho minima na ka\u017ed\u00fa posudzovan\u00fa osobu v dom\u00e1cnosti. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Hypot\u00e9ku z\u00e1rove\u0148 m\u00f4\u017eete z\u00edska\u0165 len do 80 % z hodnoty nehnute\u013enosti a zvy\u0161n\u00fa sumu mus\u00edte <a href=\"https:\/\/www.fingo.sk\/blog\/ako-dofinancovat-hypoteku-co-najvyhodnejsie\/\">dofinancova\u0165 inou formou<\/a>, \u010do b\u00fdva tie\u017e probl\u00e9m.\u00a0<\/span><\/p>\n<h3><strong><span style=\"color: #ec8124;\">Naj\u010dastej\u0161ie prek\u00e1\u017eky:\u00a0<\/span><\/strong><\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Zdokladovan\u00fd <a href=\"https:\/\/www.fingo.sk\/vypocet-hypoteky\">pr\u00edjem<\/a> banke nesta\u010d\u00ed na po\u017eadovan\u00fa v\u00fd\u0161ku \u00faveru<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Nepravideln\u00fd pr\u00edjem alebo v\u00fdpadok pr\u00edjmu z podnikania<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Banka v\u00e1\u0161 pr\u00edjem neakceptuje, napr. ste dlhodobo PN, na rodi\u010dovskej dovolenke<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Ch\u00fdbaj\u00fa v\u00e1m peniaze na dofinancovanie hypot\u00e9ky a nem\u00e1te \u010fal\u0161iu vhodn\u00fa nehnute\u013enos\u0165, ktorou by ste hodnotu zabezpe\u010denia \u00faveru mohli zv\u00fd\u0161i\u0165<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0<\/span><span style=\"font-weight: 400;\">Spl\u00e1cate in\u00e9 \u00favery a va\u0161e \u00faverov\u00e9 za\u0165a\u017eenie a spl\u00e1tky br\u00e1nia poskytnutiu hypot\u00e9ky<\/span><\/li>\n<\/ul>\n<p><strong><span style=\"color: #ec8124;\">TIP:<\/span> <\/strong><span style=\"font-weight: 400;\">Mo\u017eno viete zdokladova\u0165 aj in\u00e9 pr\u00edjmy, napr\u00edklad pr\u00edjem z pren\u00e1jmu, di\u00e9ty v pr\u00e1ci, invalidn\u00fd d\u00f4chodok alebo v\u00fd\u017eivn\u00e9 na die\u0165a, v\u010faka ktor\u00fdm sa v\u00e1\u0161 \u00faver nav\u00fd\u0161i. Alebo do hypot\u00e9ky m\u00f4\u017eete doplni\u0165 spoludl\u017en\u00edka s dostato\u010dn\u00fdm pr\u00edjmom, \u010di u\u017e \u010dlena rodiny alebo zn\u00e1meho.\u00a0<\/span><\/p>\n<blockquote>\n<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>\n<\/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 lazyloaded\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/12\/meta_ebook-1.png\" sizes=\"(max-width: 740px) 100vw, 740px\" 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\" alt=\"Fingo_hypo_ebook\" width=\"740\" height=\"387\" data-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\" data-src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/12\/meta_ebook-1.png\" data-sizes=\"(max-width: 740px) 100vw, 740px\" \/><\/a><\/p>\n<h2><strong><span style=\"color: #ec8124;\">NEVHODN\u00c1 NEHNUTE\u013dNOS\u0164<\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Financovanie b\u00fdvania m\u00f4\u017eu prekazi\u0165 aj probl\u00e9my <a href=\"https:\/\/www.fingo.sk\/blog\/ako-vybavit-znalecky-posudok-domu-ci-bytu\/\">na strane nehnute\u013enosti<\/a>, ktor\u00fa banke pon\u00fakate ako zabezpe\u010denie hypot\u00e9ky. Nevhodn\u00e9 nehnute\u013enosti s\u00fa v\u00e4\u010d\u0161inou v zlom technickom stave, nemaj\u00fa vysporiadan\u00e9 vlastn\u00edcke pr\u00e1va alebo im ch\u00fdba korektn\u00fd z\u00e1pis v katastri nehnute\u013enost\u00ed. Banky ich v tom pr\u00edpade nemusia akceptova\u0165, alebo ich hodnotu zn\u00ed\u017eia.<\/span><\/p>\n<h3><strong><span style=\"color: #ec8124;\">Naj\u010dastej\u0161ie prek\u00e1\u017eky:\u00a0<\/span><\/strong><\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Nehnute\u013enos\u0165 alebo pozemok nem\u00e1 vysporiadan\u00e9 vlastn\u00edcke pr\u00e1va<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">K pozemku nie je zriaden\u00fd pr\u00edstup k verejnej komunik\u00e1cii<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Nehnute\u013enos\u0165 je v zlom technickom stave a pre banku je nevyhovuj\u00faca<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Na nehnute\u013enosti je neakceptovate\u013en\u00e1 \u0165archa, exek\u00facia alebo in\u00e9 bremeno<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Nehnute\u013enos\u0165 sa nach\u00e1dza v nevhodnej lokalite<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Bud\u00faca nehnute\u013enos\u0165 e\u0161te nie je dostato\u010dne rozostavan\u00e1<\/span><\/li>\n<\/ul>\n<p><strong><span style=\"color: #ec8124;\">TIP:<\/span> <\/strong><span style=\"font-weight: 400;\">Ak m\u00f4\u017eete ru\u010di\u0165 aj inou vhodnou nehnute\u013enos\u0165ou, napr\u00edklad rodi\u010dovsk\u00fdm domom alebo bytom, o \u00faver by ste mohli po\u017eiada\u0165 prakticky okam\u017eite. Podstatn\u00e9 je, aby nehnute\u013enos\u0165 banka akceptovala a mala dostato\u010dn\u00fa hodnotu vzh\u013eadom k v\u00fd\u0161ke \u00faveru, o ktor\u00fd chcete po\u017eiada\u0165.<\/span><\/p>\n<h2><strong><span style=\"color: #ec8124;\">Vyhnite sa probl\u00e9mom v predstihu, porad\u00edme v\u00e1m<\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Najlep\u0161ie urob\u00edte, ak v\u0161etky mo\u017en\u00e9 prek\u00e1\u017eky, ktor\u00e9 by mohli br\u00e1ni\u0165 hypot\u00e9ke, vyrie\u0161ite e\u0161te pred podan\u00edm \u017eiadosti. Na\u0161i makl\u00e9ri z <\/span><a href=\"https:\/\/www.fingo.sk\/kontakty\"><span style=\"font-weight: 400;\">FinGO.sk<\/span><\/a><span style=\"font-weight: 400;\"> v\u00e1m poradia, ako sa na \u00faver pripravi\u0165, \u010do v\u0161etko budete k \u017eiadosti potrebova\u0165 a ako postupova\u0165, aby v\u0161etko prebehlo hladko a bez zbyto\u010dn\u00fdch probl\u00e9mov.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Zavolajte n\u00e1m na na <a href=\"tel:0800601060\"><b>0800 60 10 60<\/b><\/a>\u00a0alebo n\u00e1m <a href=\"https:\/\/www.fingo.sk\/kontakty\">zanechajte kontakt<\/a> vo formul\u00e1ri ni\u017e\u0161ie a my sa v\u00e1m ozveme. <\/span><\/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\/6089#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>Dostali ste pri hypot\u00e9ke stopku? Nez\u00fafajte, niekedy sa to stane. D\u00f4vody m\u00f4\u017eu by\u0165 r\u00f4zne &#8211; mo\u017eno me\u0161k\u00e1te s odvodmi, neustriehli ste si zaplatenie dan\u00ed, alebo pracujete prive\u013emi kr\u00e1tko a banka si nem\u00e1 ako overi\u0165 v\u00e1\u0161 pr\u00edjem. Pre\u010d\u00edtajte si, ak\u00e9 s\u00fa naj\u010dastej\u0161ie prek\u00e1\u017eky, ktor\u00e9 \u013eud\u00ed brzdia pri hypot\u00e9ke. Sp\u00edsali sme pre v\u00e1s aj nieko\u013eko tipov, ako sa daj\u00fa rie\u0161i\u0165. V \u010dl\u00e1nku sa do\u010d\u00edtate: Ak\u00e9 s\u00fa naj\u010dastej\u0161ie prek\u00e1\u017eky pri hypot\u00e9ke Pre\u010do si posvieti\u0165 na dlhy \u010di na ome\u0161kania odvodov\u00a0 Kedy pova\u017euje banka v\u00e1\u0161 pr\u00edjem za rizikov\u00fd a \u010do s t\u00fdm\u00a0 Ak\u00e9 nehnute\u013enosti banky v\u00e4\u010d\u0161inou nie s\u00fa ochotn\u00e9 akceptova\u0165 Ako sa probl\u00e9mom pri \u00favere vyhn\u00fa\u0165 v predstihu a s k\u00fdm sa poradi\u0165 DLHY, OME\u0160KANIA Banka sa potrebuje uisti\u0165, aby ste jej hypot\u00e9ku dok\u00e1zali spl\u00e1ca\u0165 bez probl\u00e9mov. Ka\u017ed\u00fd v\u00e1\u0161 rizikov\u00fd pohyb na \u00fa\u010dte, ome\u0161kania spl\u00e1tok \u00faverov alebo ak\u00e9ko\u013evek nedoplatky \u010di in\u00e9 podl\u017enosti vo\u010di \u0161t\u00e1tnym in\u0161tit\u00faci\u00e1m \u010di dokonca exek\u00facie vzbudzuj\u00fa pochybnosti o va\u0161om zodpovednom finan\u010dnom spr\u00e1van\u00ed a do ich vyrie\u0161enia znamenaj\u00fa stopku pri \u00favere. Naj\u010dastej\u0161ie prek\u00e1\u017eky:\u00a0 \u00a0 \u00a0 \u00a0 Negat\u00edvne z\u00e1znamy v registroch zdravotnej a Soci\u00e1lnej pois\u0165ovne, finan\u010dnej spr\u00e1vy\u00a0 \u00a0 \u00a0 \u00a0 Ome\u0161kania na spl\u00e1tkach \u00faverov, zosplatnen\u00e9 \u00favery \u00a0 \u00a0 \u00a0 Exek\u00facia z in\u00e9ho titulu, vyhl\u00e1sen\u00fd osobn\u00fd bankrot \u00a0 \u00a0 \u00a0 Ak m\u00e1te odlo\u017een\u00e9 spl\u00e1canie [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":6091,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,5,73],"tags":[36,20],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Naj\u010dastej\u0161ie prek\u00e1\u017eky pri hypot\u00e9ke a tipy, ako ich rie\u0161i\u0165 - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Pre\u010d\u00edtajte si, ak\u00e9 s\u00fa naj\u010dastej\u0161ie prek\u00e1\u017eky, ktor\u00e9 \u013eud\u00ed brzdia pri hypot\u00e9ke. 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