{"id":6104,"date":"2022-05-30T07:52:52","date_gmt":"2022-05-30T05:52:52","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=6104"},"modified":"2022-05-31T16:53:53","modified_gmt":"2022-05-31T14:53:53","slug":"neschvalili-vam-ziadost-o-hypoteku-kedy-to-skusit-znova","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/neschvalili-vam-ziadost-o-hypoteku-kedy-to-skusit-znova\/","title":{"rendered":"Neschv\u00e1lili v\u00e1m \u017eiados\u0165 o hypot\u00e9ku? Kedy to sk\u00fasi\u0165 znova?"},"content":{"rendered":"\n<p><b>Neschv\u00e1lili v\u00e1m \u017eiados\u0165 o hypot\u00e9ku? Stopka v banke m\u00f4\u017ee ma\u0165 r\u00f4zne pr\u00ed\u010diny. Nemus\u00ed to by\u0165 iba v\u00e1\u0161 nedostato\u010dn\u00fd pr\u00edjem, mo\u017eno me\u0161k\u00e1te s platen\u00edm odvodov alebo pracujete \u010di podnik\u00e1te e\u0161te kr\u00e1tko. \u010cast\u00e9 b\u00fdvaj\u00fa aj probl\u00e9my s nehnute\u013enos\u0165ami, ktor\u00fdmi \u013eudia ru\u010dia pri \u00favere. Ako sa daj\u00fa podobn\u00e9 situ\u00e1cie rie\u0161i\u0165 a po akom \u010dase si m\u00f4\u017eete poda\u0165 \u017eiados\u0165 znova?<\/b><\/p>\n<p><b>V \u010dl\u00e1nku sa do\u010d\u00edtate:\u00a0<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u010co sk\u00famaj\u00fa banky pri \u017eiadosti<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kedy m\u00f4\u017eete po\u017eiada\u0165 o hypot\u00e9ku znova<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ak\u00fdmi cestami sa m\u00f4\u017eete k hypot\u00e9ke dosta\u0165 r\u00fdchlej\u0161ie<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ako sa podobn\u00fdm probl\u00e9mom vyhn\u00fa\u0165 u\u017e pred podan\u00edm \u017eiadosti<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pre\u010do sa oplat\u00ed najsk\u00f4r poradi\u0165 so sk\u00fasen\u00fdmi odborn\u00edkmi <a href=\"https:\/\/www.fingo.sk\/kontakty\">z FinGO.sk<\/a><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fingo.sk\/vypocet-hypoteky\">Hypot\u00e9ka<\/a> je zlo\u017eit\u00fd finan\u010dn\u00fd produkt. V porovnan\u00ed s p\u00f4\u017ei\u010dkou alebo kreditnou kartou v\u00e1m banka za ni\u017e\u0161\u00ed \u00farok poskytne ove\u013ea viac pe\u0148az\u00ed a potrebuje sa uisti\u0165, \u017ee jej ich vr\u00e1tite. Keby sa tak nestalo, m\u00f4\u017ee siahnu\u0165 na byt \u010di dom, ktor\u00fd zalo\u017e\u00edte v prospech \u00faveru.\u00a0<\/span><span style=\"font-weight: 400;\">Preto si banka pri \u017eiadosti o hypot\u00e9ku naozaj d\u00f4kladne preveruje v\u00e1s ako \u017eiadate\u013ea aj zakladan\u00fa nehnute\u013enos\u0165. <\/span><\/p>\n<blockquote>\n<p><span style=\"font-weight: 400;\">Nie ka\u017ed\u00fd dostane \u00faver hne\u010f alebo v takej v\u00fd\u0161ke, ako si predstavuje. \u010casto sa vyskytn\u00fa prek\u00e1\u017eky, ktor\u00e9 schv\u00e1leniu \u00faveru zabr\u00e1nia alebo ho oddialia o p\u00e1r t\u00fd\u017ed\u0148ov \u010di mesiacov.<\/span><\/p>\n<\/blockquote>\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Naj\u010dastej\u0161ie prek\u00e1\u017eky, ktor\u00e9 \u013eud\u00ed brzdia pri hypot\u00e9ke, sa do\u010d\u00edtate aj <a href=\"https:\/\/www.fingo.sk\/blog\/najcastejsie-prekazky-pri-hypoteke-a-tipy-ako-ich-riesit\/\">v na\u0161om \u010dl\u00e1nku.\u00a0<\/a><\/p>\n<h2><strong><span style=\"color: #ec8124;\">\u010co sk\u00famaj\u00fa banky pri \u017eiadosti<\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Banky v\u00e1m ochotne poskytn\u00fa hypot\u00e9ku, ak ju dok\u00e1\u017eete bez probl\u00e9mov spl\u00e1ca\u0165. Ale najsk\u00f4r detailne presk\u00famaj\u00fa va\u0161e <a href=\"https:\/\/www.fingo.sk\/vypocet-hypoteky\">pr\u00edjmy<\/a> a v\u00fddavky, stabilitu zamestnania, <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/ako-podnikatelia-dokladuju-prijem-pri-hypoteke-a-co-ak-je-vas-biznis-docasne-ohrozeny\/\"><span style=\"font-weight: 400;\">resp. podnikania.<\/span><\/a><span style=\"font-weight: 400;\"> Ak\u00e9ko\u013evek pochybnosti, \u010di u\u017e by \u0161lo o va\u0161e podl\u017enosti na odvodoch, rizikov\u00e9 pohyby na \u00fa\u010dte, ome\u0161kania spl\u00e1tok \u00faverov alebo in\u00e9 sign\u00e1ly o tom, \u017ee by ste \u00faver nevedeli zodpovedne spl\u00e1ca\u0165, m\u00f4\u017eu schv\u00e1lenie \u017eiadosti stopn\u00fa\u0165.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ve\u013ek\u00fa rolu pri schva\u013eovan\u00ed zohr\u00e1va aj hodnota a celkov\u00fd stav nehnute\u013enosti, ktor\u00fa pon\u00fakate ako ru\u010denie v prospech \u00faveru. Ak je v zlom technickom stave, nem\u00e1 vysporiadan\u00e9 vlastn\u00edcke pr\u00e1va alebo nie je korektne zap\u00edsan\u00e1 na katastri nehnute\u013enosti, banka ju nemus\u00ed akceptova\u0165 a <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">hypot\u00e9ka<\/a> v\u00e1m neprejde.<\/span><\/p>\n<h2><strong><span style=\"color: #ec8124;\">Kedy m\u00f4\u017eete po\u017eiada\u0165 o hypot\u00e9ku znova<\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Ak v\u00e1m neschv\u00e1lia hypot\u00e9ku v jednej banke kv\u00f4li podl\u017enostiam na odvodoch, daniach \u010di ome\u0161kaniam spl\u00e1tok, nemali by ste automaticky zamieri\u0165 do \u010fal\u0161ej, je to zbyto\u010dn\u00e9. Ka\u017ed\u00e9 \u010fal\u0161ie zamietnutie \u00faveru v\u00e1m prinesie aj \u010fal\u0161\u00ed negat\u00edvny z\u00e1znam <a href=\"https:\/\/www.fingo.sk\/blog\/uverovy-register-co-vsetko-o-vas-prezradi\/\">v \u00faverovom registri. <\/a><\/span><\/p>\n<blockquote>\n<p><span style=\"font-weight: 400;\">Tak\u017ee opakovan\u00fdmi ne\u00faspe\u0161n\u00fdmi \u017eiados\u0165ami o \u00faver ni\u010d nedosiahnete, len si u\u0161kod\u00edte.\u00a0<\/span><\/p>\n<\/blockquote>\n<p><span style=\"font-weight: 400;\">Najsk\u00f4r treba vyrie\u0161i\u0165 probl\u00e9m, ktor\u00fd blokuje schv\u00e1lenie \u00faveru a do \u010fal\u0161ej \u017eiadosti po\u010dka\u0165 aspo\u0148 3 mesiace. Potom si op\u00e4\u0165 vy\u017eiada\u0165 v\u00fdpis z \u00faverov\u00e9ho registra, pr\u00edpadne skontrolova\u0165 z\u00e1znamy o exek\u00faci\u00e1ch \u010di nedoplatkoch. Niektor\u00e9 prek\u00e1\u017eky sa daj\u00fa vyrie\u0161i\u0165 aj do p\u00e1r t\u00fd\u017ed\u0148ov, pri in\u00fdch to m\u00f4\u017ee trva\u0165 nieko\u013eko mesiacov.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ak napr\u00edklad schv\u00e1leniu \u00faveru br\u00e1nia nedoplatky \u010di ome\u0161kania v registroch \u0161t\u00e1tnych in\u0161tit\u00faci\u00ed, tie maj\u00fa na aktualiz\u00e1ciu svojich \u00fadajov r\u00f4zne lehoty. <\/span><span style=\"font-weight: 400;\">Pred \u010fal\u0161ou \u017eiados\u0165ou si najsk\u00f4r overte, \u010di v registroch u\u017e nefigurujete ako neplati\u010d, inak by ste v banke op\u00e4\u0165 dostali stopku.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Alebo ak ste o hypot\u00e9ku \u017eiadali v \u010dase, ke\u010f ste boli dlhodobo na PN-ke \u010di na rodi\u010dovskej dovolenke, banky v\u00e1\u0161 pr\u00edjem za\u010dn\u00fa akceptova\u0165 zv\u00e4\u010d\u0161a po jednej v\u00fdplate, \u010di\u017ee zhruba po 6 t\u00fd\u017ed\u0148och od n\u00e1vratu do pr\u00e1ce.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">S\u00fa aj situ\u00e1cie, kedy maj\u00fa klienti pozastaven\u00e9 spl\u00e1canie in\u00fdch \u00faverov a preto im banka hypot\u00e9ku neschv\u00e1lila. V tom pr\u00edpade je potrebn\u00e9 najsk\u00f4r sa vr\u00e1ti\u0165 k riadnemu spl\u00e1caniu a potom po\u010dka\u0165 6 a\u017e 18 mesiacov v z\u00e1vislosti od banky, kde chcete po\u017eiada\u0165 o hypot\u00e9ku. Takisto si treba uvedomi\u0165, \u017ee ak ste me\u0161kali so spl\u00e1tkami, najsk\u00f4r ich mus\u00edte vyrovna\u0165.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dlhodobo alebo opakovane nespl\u00e1can\u00fd \u00faver m\u00f4\u017ee by\u0165 v\u00e4\u010d\u0161\u00ed probl\u00e9m. Tieto situ\u00e1cie banky posudzuj\u00fa individu\u00e1lne, v ur\u010dit\u00fdch pr\u00edpadoch m\u00f4\u017eete o \u00faver op\u00e4\u0165 po\u017eiada\u0165 pribli\u017ene po 12 mesiacoch, niekedy treba \u010daka\u0165 dlh\u0161ie. V niektor\u00fdch bank\u00e1ch pom\u00f4\u017ee, ak si do hypot\u00e9ky dopln\u00edte \u00faverov\u00e9 poistenie, pr\u00edpadne do nej zapoj\u00edte spoludl\u017en\u00edka s dostato\u010dn\u00fdm pr\u00edjmom<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Najhor\u0161\u00ed scen\u00e1r nast\u00e1va po vyhl\u00e1sen\u00ed <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/osobny-bankrot-poradime-vam-ako-postupovat\/\"><span style=\"font-weight: 400;\">osobn\u00e9ho bankrotu<\/span><\/a><span style=\"font-weight: 400;\"> alebo po zosplatnen\u00ed \u00faverov, ktor\u00e9 boli klasifikovan\u00e9 v banke ako vym\u00e1han\u00e9 poh\u013ead\u00e1vky. V t\u00fdchto pr\u00edpadoch m\u00f4\u017eete \u017eiada\u0165 o \u00faver najsk\u00f4r po 5 rokoch.<\/span><\/li>\n<\/ul>\n<h2><strong><span style=\"color: #ec8124;\">Ako sa m\u00f4\u017eete k hypot\u00e9ke dosta\u0165 r\u00fdchlej\u0161ie<\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Ak sa e\u0161te pred hypot\u00e9kou porad\u00edte s fundovan\u00fdm finan\u010dn\u00fdm <a href=\"https:\/\/www.fingo.sk\/kontakty\">makl\u00e9rom,<\/a> podobn\u00fdm probl\u00e9mom pri \u017eiadosti sa m\u00f4\u017eete vyhn\u00fa\u0165. Porovn\u00e1 v\u00e1m <\/span><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\"><span style=\"font-weight: 400;\">hypotek\u00e1rne ponuky<\/span><\/a><span style=\"font-weight: 400;\"> vo v\u0161etk\u00fdch bank\u00e1ch, vysvetl\u00ed postup aj mo\u017en\u00e9 h\u00e1\u010diky a \u00faskalia.<\/span><i><span style=\"font-weight: 400;\">\u00a0<\/span><\/i><\/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=\"font-weight: 400;\">Makl\u00e9r v\u00e1s vopred upozorn\u00ed na v\u0161etky n\u00e1strahy alebo prek\u00e1\u017eky, ktor\u00e9 by mohli zabr\u00e1ni\u0165 schv\u00e1leniu \u017eiadosti o \u00faver. Porad\u00ed, ako ich \u010do najr\u00fdchlej\u0161ie vyrie\u0161i\u0165 a nasmeruje ako postupova\u0165, aby v\u0161etko prebehlo hladko a bez zbyto\u010dn\u00fdch komplik\u00e1ci\u00ed. M\u00f4\u017ee v\u00e1m odporu\u010di\u0165 aj <a href=\"https:\/\/www.fingo.sk\/blog\/10-rad-na-co-mysliet-pred-ziadostou-o-hypoteku\/\">in\u00e9 rie\u0161enia<\/a>, ako sa m\u00f4\u017eete k \u00faveru dopracova\u0165 r\u00fdchlej\u0161ie.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Napr\u00edklad vysporiadanie vlastn\u00edckych pr\u00e1v na nehnute\u013enosti alebo rie\u0161enie pr\u00edstupovej cesty k pozemku sa m\u00f4\u017ee \u0165aha\u0165 aj nieko\u013eko mesiacov. Ale ak v prospech \u00faveru viete zalo\u017ei\u0165 in\u00fa vhodn\u00fa nehnute\u013enos\u0165, napr\u00edklad rodi\u010dovsk\u00fd byt \u010di dom, \u017eiados\u0165 v\u00e1m m\u00f4\u017ee banka schv\u00e1li\u0165 prakticky okam\u017eite.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Podobn\u00fd princ\u00edp pomoci plat\u00ed aj v pr\u00edpade, ak m\u00e1te nedostato\u010dn\u00fd pr\u00edjem, pr\u00edpadne pracujete \u010di podnik\u00e1te ve\u013emi kr\u00e1tko. Rie\u0161en\u00edm m\u00f4\u017ee by\u0165 aj spoludl\u017en\u00edk na \u00favere, napr\u00edklad partner, rodi\u010d, s\u00farodenec \u010di in\u00e1 bl\u00edzka osoba, pokia\u013e preuk\u00e1\u017ee dostato\u010dn\u00fd pr\u00edjem.\u00a0<\/span><\/li>\n<\/ul>\n<h2><strong><span style=\"color: #ec8124;\">Ako sa podobn\u00fdm probl\u00e9mom vyhn\u00fa\u0165<\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Pri hypot\u00e9ke z\u00e1rove\u0148 vznik\u00e1 ve\u013ek\u00e9 mno\u017estvo \u0161pecifick\u00fdch situ\u00e1ci\u00ed, na ktor\u00e9 sa r\u00f4zne banky m\u00f4\u017eu pozera\u0165 inak. Napr\u00edklad k\u00fdm v jednej banke v\u00e1m akceptuj\u00fa aj \u201chor\u0161iu\u201d nehnute\u013enos\u0165, v inej by ju automaticky zmietli zo stola. Niektor\u00e9 banky sa o \u010dosi benevolentnej\u0161ie pozeraj\u00fa aj na zamietnut\u00e9 \u00favery v \u00faverovom registri, ome\u0161kania spl\u00e1tok alebo zn\u00ed\u017een\u00e9 tr\u017eby u podnikate\u013eov. <\/span><\/p>\n<blockquote>\n<p><span style=\"font-weight: 400;\">Rozdielne posudzovanie v bank\u00e1ch poznaj\u00fa aj sk\u00fasen\u00ed <\/span><a href=\"https:\/\/www.fingo.sk\/kontakty\"><span style=\"font-weight: 400;\">finan\u010dn\u00ed sprostredkovatelia,<\/span><\/a><span style=\"font-weight: 400;\"> s ktor\u00fdmi sa oplat\u00ed vopred poradi\u0165.\u00a0\u00a0<\/span><\/p>\n<\/blockquote>\n<p><span style=\"font-weight: 400;\">Z\u00e1kladom je, aby ste hne\u010f na za\u010diatku z\u00edskali kompletn\u00fd zoznam v\u0161etk\u00fdch podkladov a dokumentov, ktor\u00e9 bude potrebova\u0165 na vybavenie svojej konkr\u00e9tnej \u00faverovej po\u017eiadavky. Aj v z\u00e1vislosti od toho, \u010di p\u00f4jde o k\u00fapu nehnute\u013enosti,<\/span><a href=\"https:\/\/www.fingo.sk\/blog\/hypoteka-na-stavbu-domu-ako-postupovat\/\"><span style=\"font-weight: 400;\"> stavbu domu<\/span><\/a><span style=\"font-weight: 400;\">, rekon\u0161trukciu \u010di o refinancovanie hypot\u00e9ky.\u00a0<\/span><\/p>\n<p><strong><span style=\"color: #ec8124;\">TIP: <\/span><\/strong><span style=\"font-weight: 400;\">Ide\u00e1lne je, ak va\u0161e podklady k \u017eiadosti vopred skontroluje odborn\u00edk a a\u017e potom si pod\u00e1te \u017eiados\u0165. <\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong><span style=\"color: #ec8124;\">Pr\u00edklad:<\/span><\/strong> Ak napr\u00edklad rie\u0161ite \u017eiados\u0165 v banke, ktor\u00e1 neakceptuje nehnute\u013enos\u0165 v stave a s aktu\u00e1lnym z\u00e1pisom na katastri, m\u00f4\u017eete strati\u0165 ve\u013ea \u010dasu. A \u010do je hor\u0161ie, v \u00faverovom registri u\u017e bude va\u0161a \u017eiados\u0165 figurova\u0165 a m\u00f4\u017ee v\u00e1s obmedzi\u0165 pri h\u013eadan\u00ed in\u00e9ho rie\u0161enia.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ak sa v\u00e1m podar\u00ed vyrie\u0161i\u0165 d\u00f4vody, ktor\u00e9 mo\u017eno blokuj\u00fa aj va\u0161u \u017eiados\u0165 o \u00favere, radi v\u00e1m pom\u00f4\u017eeme. Na\u0161i profesion\u00e1lni makl\u00e9ri z <a href=\"https:\/\/www.fingo.sk\/kontakty\">FinGO.sk<\/a> patria k najlep\u0161\u00edm hypotek\u00e1rnym \u0161pecialistom na Slovensku a radi v\u00e1m poradia ako postupova\u0165 v ka\u017edej zo spom\u00ednan\u00fdch situ\u00e1ci\u00ed. <\/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\/6104#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>Neschv\u00e1lili v\u00e1m \u017eiados\u0165 o hypot\u00e9ku? Stopka v banke m\u00f4\u017ee ma\u0165 r\u00f4zne pr\u00ed\u010diny. Nemus\u00ed to by\u0165 iba v\u00e1\u0161 nedostato\u010dn\u00fd pr\u00edjem, mo\u017eno me\u0161k\u00e1te s platen\u00edm odvodov alebo pracujete \u010di podnik\u00e1te e\u0161te kr\u00e1tko. \u010cast\u00e9 b\u00fdvaj\u00fa aj probl\u00e9my s nehnute\u013enos\u0165ami, ktor\u00fdmi \u013eudia ru\u010dia pri \u00favere. Ako sa daj\u00fa podobn\u00e9 situ\u00e1cie rie\u0161i\u0165 a po akom \u010dase si m\u00f4\u017eete poda\u0165 \u017eiados\u0165 znova? V \u010dl\u00e1nku sa do\u010d\u00edtate:\u00a0 \u010co sk\u00famaj\u00fa banky pri \u017eiadosti Kedy m\u00f4\u017eete po\u017eiada\u0165 o hypot\u00e9ku znova Ak\u00fdmi cestami sa m\u00f4\u017eete k hypot\u00e9ke dosta\u0165 r\u00fdchlej\u0161ie Ako sa podobn\u00fdm probl\u00e9mom vyhn\u00fa\u0165 u\u017e pred podan\u00edm \u017eiadosti Pre\u010do sa oplat\u00ed najsk\u00f4r poradi\u0165 so sk\u00fasen\u00fdmi odborn\u00edkmi z FinGO.sk Hypot\u00e9ka je zlo\u017eit\u00fd finan\u010dn\u00fd produkt. V porovnan\u00ed s p\u00f4\u017ei\u010dkou alebo kreditnou kartou v\u00e1m banka za ni\u017e\u0161\u00ed \u00farok poskytne ove\u013ea viac pe\u0148az\u00ed a potrebuje sa uisti\u0165, \u017ee jej ich vr\u00e1tite. Keby sa tak nestalo, m\u00f4\u017ee siahnu\u0165 na byt \u010di dom, ktor\u00fd zalo\u017e\u00edte v prospech \u00faveru.\u00a0Preto si banka pri \u017eiadosti o hypot\u00e9ku naozaj d\u00f4kladne preveruje v\u00e1s ako \u017eiadate\u013ea aj zakladan\u00fa nehnute\u013enos\u0165. Nie ka\u017ed\u00fd dostane \u00faver hne\u010f alebo v takej v\u00fd\u0161ke, ako si predstavuje. \u010casto sa vyskytn\u00fa prek\u00e1\u017eky, ktor\u00e9 schv\u00e1leniu \u00faveru zabr\u00e1nia alebo ho oddialia o p\u00e1r t\u00fd\u017ed\u0148ov \u010di mesiacov. TIP: Naj\u010dastej\u0161ie prek\u00e1\u017eky, ktor\u00e9 \u013eud\u00ed brzdia pri hypot\u00e9ke, sa do\u010d\u00edtate aj v na\u0161om \u010dl\u00e1nku.\u00a0 \u010co [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":6106,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,5,73],"tags":[205,36,18,62],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Neschv\u00e1lili v\u00e1m \u017eiados\u0165 o hypot\u00e9ku? Kedy to sk\u00fasi\u0165 znova? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Neschv\u00e1lili v\u00e1m \u017eiados\u0165 o hypot\u00e9ku? Stopka v banke m\u00f4\u017ee ma\u0165 r\u00f4zne pr\u00ed\u010diny. 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Kedy to sk\u00fasi\u0165 znova?"}]},{"@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. Sk\u00fasenosti z bankov\u00e9ho sektora nesk\u00f4r vyu\u017e\u00edvala vo finan\u010dnom sprostredkovan\u00ed. Vo FinGO.sk p\u00f4sob\u00ed na poz\u00edcii riadite\u013eky pre oblas\u0165 \u00faverov. Miluje jazdu na motorke, pl\u00e1vanie a cykloturistiku. Neboj\u00ed sa \u017eiadnej adrenal\u00ednovej v\u00fdzvy.","url":"https:\/\/www.fingo.sk\/blog\/author\/eva-sablova\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/6104"}],"collection":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/comments?post=6104"}],"version-history":[{"count":14,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/6104\/revisions"}],"predecessor-version":[{"id":6136,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/6104\/revisions\/6136"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media\/6106"}],"wp:attachment":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media?parent=6104"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/categories?post=6104"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/tags?post=6104"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}