{"id":2593,"date":"2019-01-31T14:13:08","date_gmt":"2019-01-31T13:13:08","guid":{"rendered":"https:\/\/financer.sk\/?post_type=company_single&#038;p=2593"},"modified":"2024-09-09T12:04:45","modified_gmt":"2024-09-09T10:04:45","slug":"csob","status":"publish","type":"company_single","link":"https:\/\/financer.sk\/spolocnost\/csob\/","title":{"rendered":"\u010cSOB"},"content":{"rendered":"\n<p>Spolo\u010dnos\u0165 <strong>\u010cSOB banka je poprednou slovenskou bankou<\/strong> s viac ako 50-ro\u010dnou trad\u00edciou a \u010dlenom Slovenskej bankovej asoci\u00e1cie. <\/p>\n\n\n\n<p>\u0160irokou ponukou svojich slu\u017eieb <strong>s\u00fa partnerom nie len individu\u00e1lnym priv\u00e1tnym klientom<\/strong>, ale aj mal\u00fdm a stredn\u00fdm podnikate\u013eom, retailov\u00fdm spolo\u010dnostiam a\u017e po korpor\u00e1cie.<\/p>\n\n\n\n<p>\u010cSOB sa opiera o tradi\u010dn\u00e9 bankov\u00e9 produkty ako s\u00fa be\u017en\u00e9 \u00fa\u010dty, term\u00ednovan\u00e9 vklady, <a href=\"https:\/\/financer.sk\/pozicky\/spotrebny-uver\/\">spotrebn\u00e9 \u00favery<\/a>, <a href=\"https:\/\/financer.sk\/pozicky\/hypoteka\/\">hypot\u00e9ky<\/a> alebo <a href=\"https:\/\/financer.sk\/kreditna-karta\/\">kreditn\u00e9 karty<\/a>. Okrem toho sa spolo\u010dnos\u0165 \u0161pecializuje aj na uzatv\u00e1ranie \u017eivotn\u00fdch a ne\u017eivotn\u00fdch poisten\u00ed, podielov\u00e9 fondy, leasingy alebo stavebn\u00e9 sporenie.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3>V\u00fdhody<\/h3><li><p>Bezplatn\u00e1 mimoriadna spl\u00e1tka kedyko\u013evek pred\u010dasne<\/p>\n<\/li><li><p>Mo\u017enos\u0165 z\u00edska\u0165 a\u017e o 1 % v\u00fdhodnej\u0161\u00ed \u00farok pri zriaden\u00ed online<\/p>\n<\/li><li><p>\u00daver a\u017e do v\u00fd\u0161ky 40 000 \u20ac<\/p>\n<\/li><li><p>Z\u013eava -1 % z \u00faroku pre klientov s hypot\u00e9kou v \u010cSOB<\/p>\n<\/li><li><p>Z\u013eava -2 % z \u00faroku pri refinancovan\u00ed p\u00f4\u017ei\u010diek<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3>Nev\u00fdhody<\/h3><li>\n<p>Nutnos\u0165 dokladova\u0165 pr\u00edjem<\/p>\n<\/li><li>\n<p>1 % z\u013eava, iba ak m\u00e1te \u00fa\u010det veden\u00fd v \u010cSOB banke<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Internet_banking\">Internet banking<\/h2>\n\n\n\n<p>\u010cSOB za\u010diatkom roka 2020 definit\u00edvn<strong>e vypla star\u00fa verziu internet bankingu<\/strong>. Elektronick\u00e9 bankovn\u00edctvo je v\u00a0s\u00fa\u010dasnosti dostupn\u00e9 prostredn\u00edctvom port\u00e1lu Moja \u010cSOB. <\/p>\n\n\n\n<p>Klienti sa m\u00f4\u017eu prihlasova\u0165 rovnak\u00fdmi \u00fadajmi ako pri p\u00f4vodnej verzii. Na pr\u00edstup do v\u00e1\u0161ho konta potrebujete identifika\u010dn\u00e9 \u010d\u00edslo, PIN k\u00f3d a\u00a0bezpe\u010dnostn\u00fd k\u00f3d, ktor\u00fd v\u00e1m banka za\u0161le cez SMS.<\/p>\n\n\n\n<p>Moja \u010cSOB pon\u00faka <strong>preh\u013ead a\u00a0hist\u00f3riu va\u0161ich platieb, umo\u017e\u0148uje online n\u00e1kup produktov a\u00a0\u010fal\u0161ie<\/strong> klasick\u00e9 funkcionality, ako vytv\u00e1ranie trval\u00fdch pr\u00edkazov a\u00a0platobn\u00fdch \u0161abl\u00f3n.<\/p>\n\n\n\n<p>Mobiln\u00e1 aplik\u00e1cia \u010cSOB Smart Banking klientom poskytuje rovnak\u00e9 mo\u017enosti ako desktop, m\u00f4\u017eete si cez \u0148u dokonca dobi\u0165 kredit. Pri prvom prihl\u00e1sen\u00ed mus\u00edte zada\u0165 prihlasovacie \u00fadaje zhodn\u00e9 s\u00a0internet bankingom a\u00a0aktiva\u010dn\u00fd k\u013e\u00fa\u010d (banka v\u00e1m ho za\u0161le cez SMS alebo si ho vygenerujete cez Token). <\/p>\n\n\n\n<p>Na \u010fal\u0161ie prihl\u00e1senia v\u00e1m u\u017e <strong>bude sta\u010di\u0165 len v\u00e1\u0161 PIN k\u00f3d<\/strong>, ktor\u00fd si m\u00f4\u017eete kedyko\u013evek zmeni\u0165.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Smart_et_SOB_vhody_a_nevhody\">Smart \u00fa\u010det \u010cSOB v\u00fdhody a nev\u00fdhody<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Vhody\">V\u00fdhody<\/h3><li>\n<p>\u017diadne poplatky za vedeniu \u00fa\u010dtu<\/p>\n<\/li><li>\n<p>Garancia nulov\u00fdch poplatkov aj v bud\u00facnosti<\/p>\n<\/li><li>\n<p>Bonus za odpor\u00fa\u010danie a\u017e do v\u00fd\u0161ky 250 \u20ac<\/p>\n<\/li><li>\n<p>Eko karta k \u00fa\u010dtu<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Nevhody\">Nev\u00fdhody<\/h3><li>\n<p>Mnoho klientov sa s\u0165a\u017euje na technick\u00e9 probl\u00e9my s aplik\u00e1ciou<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Sporiaci_et_Depozit\">Sporiaci \u00fa\u010det Depozit<\/h2>\n\n\n\n<p>Predstavuje z\u00e1kladn\u00fd bezplatn\u00fd sporiaci \u00fa\u010det na sporenie v akejko\u013evek v\u00fd\u0161ke s \u00farokom do 0,30% ro\u010dne. Navy\u0161e nie je obmedzen\u00fd minim\u00e1lnym a maxim\u00e1lnym zostatkom, z\u00e1rove\u0148 si m\u00f4\u017eete otvori\u0165 neobmedzen\u00fd po\u010det \u00fa\u010dtov na r\u00f4zne \u00fa\u010dely.<\/p>\n\n\n\n<ul>\n<li>Vytv\u00e1ranie rezervy do bud\u00facnosti<\/li>\n\n\n\n<li>Mo\u017enos\u0165 otvori\u0165 si neobmedzen\u00fd po\u010det \u00fa\u010dtov<\/li>\n\n\n\n<li>V\u00fdber 25 % zostatku raz za mesiac bezplatne<\/li>\n\n\n\n<li>\u00darok do 0,20% ro\u010dne<\/li>\n\n\n\n<li>Bezplatn\u00e9 zriadenie a vedenie \u00fa\u010dtu<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Spotrebn_ver\">Spotrebn\u00fd \u00faver<\/h2>\n\n\n\n<p>Ide o klasick\u00fd bankov\u00fd produkt, ktor\u00fd sa rozsahom splatnosti, \u00farokov\u00fdmi sadzbami a celkovou v\u00fd\u0161kou poskytovan\u00fdch financi\u00ed v\u00fdrazn\u00fdm sp\u00f4sobom neodli\u0161uje od ostatn\u00fdch konkuren\u010dn\u00fdch pon\u00fak slovensk\u00fdch b\u00e1nk.<\/p>\n\n\n\n<p>S\u00fa\u010dasnou v\u00fdhodou v porovnan\u00ed s ostatn\u00fdmi bankami je <strong>mo\u017enos\u0165 zn\u00ed\u017ei\u0165 si pon\u00fakan\u00fa \u00farokov\u00fa sadzbu a\u017e o cel\u00e9 2 %<\/strong>. T\u00e1to z\u013eava vznikne kombin\u00e1ciou dvoch 1 % zliav v podobe <strong>z\u013eavy za zriadenie online<\/strong> a <strong>z\u013eavy pre klientov s hypot\u00e9kou<\/strong>. Mo\u017enos\u0165 kombinovania t\u00fdchto zliav n\u00e1m potvrdili aj na ve\u013emi r\u00fdchlej a n\u00e1pomocnej infolinke.<\/p>\n\n\n\n<p>\u010cSOB pon\u00faka klasick\u00fd spotrebn\u00fd \u00faver bez dokladovania \u00fa\u010delu do maxim\u00e1lnej v\u00fd\u0161ky 25 000 EUR s \u00farokom od 5,50% ro\u010dne. Banka navy\u0161e poskytuje 100% z\u013eavu z poplatku za spracovanie \u00faveru a mo\u017enos\u0165 pred\u010dasn\u00e9ho splatenia kedyko\u013evek.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Dleit_informcie\">D\u00f4le\u017eit\u00e9 inform\u00e1cie<\/h3>\n\n\n\n<ul>\n<li>V\u00fd\u0161ka \u00faveru od 600 do 25 000 EUR<\/li>\n\n\n\n<li>Doba splatnosti od 1 do 8 rokov<\/li>\n\n\n\n<li>Ro\u010dn\u00e1 \u00farokov\u00e1 sadzba od 5,50%<\/li>\n\n\n\n<li>Mo\u017enos\u0165 zn\u00ed\u017eenia \u00farokovej sadzby o 1%<\/li>\n\n\n\n<li>100% z\u013eava z poplatku za spracovanie \u00faveru<\/li>\n\n\n\n<li>Mimoriadna spl\u00e1tka a pred\u010dasn\u00e9 splatenie kedyko\u013evek<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Minimlne_poiadavky\">Minim\u00e1lne po\u017eiadavky<\/h3>\n\n\n\n<p>Ak chcete po\u017eiada\u0165 o p\u00f4\u017ei\u010dku od \u010cSOB, mus\u00edte splni\u0165 minim\u00e1lne po\u017eiadavky, ktor\u00fdmi s\u00fa:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li>\n<p>Vek od 20 do 65 rokov<\/p>\n<\/li><li>\n<p>Ob\u010diansky preukaz a \u010fal\u0161\u00ed doklad toto\u017enosti<\/p>\n<\/li><li>\n<p>Ob\u010dianstvo SR<\/p>\n<\/li><li>\n<p>Potvrdenie o v\u00fd\u0161ke pr\u00edjmu<\/p>\n<\/li><li>\n<p>Ak podnik\u00e1te, tak aj k\u00f3piu posledn\u00e9ho da\u0148ov\u00e9ho priznania<\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Ako_zni_rokov_sadzbu_o_1\">Ako zn\u00ed\u017ei\u0165 \u00farokov\u00fa sadzbu o 1%?<\/h3>\n\n\n\n<p>\u010cSOB si pre \u017eiadate\u013eov o p\u00f4\u017ei\u010dku pripravila mo\u017enos\u0165 zn\u00ed\u017ei\u0165 fixn\u00fa \u00farokov\u00fa sadzbu o 1%. Z\u00e1kladom pre zn\u00ed\u017eenie \u00farokovej sadzby je <strong>bankov\u00fd \u00fa\u010det veden\u00fd priamo v \u010cSOB<\/strong>, na ktor\u00fd budete dost\u00e1va\u0165 <strong>pravideln\u00fd mesa\u010dn\u00fd pr\u00edjem aspo\u0148 400 \u20ac<\/strong>. <\/p>\n\n\n\n<p>\u010eal\u0161ou podmienkou je 5 platieb kreditnou alebo debetnou kartou a 3 pravideln\u00e9 platby z \u00fa\u010dtu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Flexibilita\">Flexibilita<\/h3>\n\n\n\n<p>\u010cSOB pon\u00faka pod\u013ea n\u00e1\u0161ho n\u00e1zoru svojim klientom flexibilitu pri spl\u00e1can\u00ed v podobe <strong>mo\u017enosti mimoriadnej spl\u00e1tky a pred\u010dasn\u00e9ho splatenia \u00faveru kedyko\u013evek<\/strong>. V jej prospech hovor\u00ed aj jednotn\u00fd poplatok za poskytnutie p\u00f4\u017ei\u010dky vo v\u00fd\u0161ke 50 \u20ac.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Cieov_skupina\">Cie\u013eov\u00e1 skupina<\/h3>\n\n\n\n<p>Konkr\u00e9tne vy\u0161\u0161ie spom\u00ednan\u00fd spotrebn\u00fd \u00faver je zameran\u00fd predov\u0161etk\u00fdm na riadne pracuj\u00facich \u013eud\u00ed vo vekovej skupine od 18 do 65 rokov. Pri \u017eiadosti o \u00faver <strong>vy\u017eaduje dokladovan\u00fa v\u00fd\u0161ku v\u00e1\u0161ho pr\u00edjmu<\/strong>. Nedozvedel sme sa ale, ak\u00fd pr\u00edjem pova\u017euje za posta\u010duj\u00faci na spl\u00e1canie.<\/p>\n\n\n\n<p>Pri tomto faktore v\u0161ak sk\u00f4r z\u00e1vis\u00ed od konkr\u00e9tnej situ\u00e1cie a od celkovej v\u00fd\u0161ky sumy, o ktor\u00fa \u017eiadate.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Napu00edu0161te_svoju_recenziu\">Nap\u00ed\u0161te svoju recenziu<\/h3><p style=\"text-align: center;\">M\u00e1te sk\u00fasenosti s \u010cSOB? Pode\u013ete sa o ne a u\u013eah\u010dite tak rozhodovanie \u010fal\u0161\u00edm \u010ditate\u013eom. Tu m\u00f4\u017eete prida\u0165 va\u0161e recenzie na smart \u00fa\u010det \u010cSOB, ich p\u00f4\u017ei\u010dky a \u010fal\u0161ie dostupn\u00e9 produkty.<\/p><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"u010casto_kladenu00e9_otu00e1zky\">\u010casto kladen\u00e9 ot\u00e1zky<\/h3><h4>Je \u017eiados\u0165 o spotrebn\u00fd \u00faver od \u010cSOB z\u00e1v\u00e4zn\u00e1?<\/h4><div class=\"faq_inner\">Nie, nie je. Po\u017eiada\u0165 o spotrebn\u00fd \u00faver od \u010cSOB m\u00f4\u017eete cez ich ofici\u00e1lnu webstr\u00e1nku. Po vyplnen\u00ed potrebn\u00e9ho kontaktn\u00e9ho formul\u00e1ru so z\u00e1kladn\u00fdmi inform\u00e1ciami budete pravdepodobne kontaktovan\u00ed priamo \u00faverov\u00fdm \u0161pecialistom a ten posunie va\u0161u \u017eiados\u0165 \u010falej.\n<strong data-rich-text-format-boundary=\"true\">Samotn\u00e9 podanie \u017eiadosti nie je z\u00e1v\u00e4zn\u00e9<\/strong>. D\u00e1vajte si v\u0161ak pozor, ak si pod\u00e1vate viacero \u017eiadost\u00ed o spotrebn\u00fd \u00faver priamo u b\u00e1nk a stalo by sa, \u017ee v\u00e1m ich schv\u00e1lia, no vy sa rozhodnete \u010derpa\u0165 iba jeden z nich. Pri ostatn\u00fdch, taktie\u017e schv\u00e1len\u00fdch no vami nevyu\u017eit\u00fdch \u017eiadostiach rad\u0161ej po\u017eiadajte o storno \u017eiadosti.\nAk tak neurob\u00edte, tieto schv\u00e1len\u00e9 no ne\u010derpan\u00e9 \u017eiadosti bud\u00fa pova\u017eovan\u00e9 za negat\u00edvny z\u00e1znam vo va\u0161om <a href=\"https:\/\/financer.sk\/osobne-financie\/uverovy-register\/\">\u00faverovom registri<\/a>. Dok\u00e1\u017eete sa tomu pomerne jednoducho vyhn\u00fa\u0165.<\/div><h4>Mus\u00edm dokladova\u0165 v\u00fd\u0161ku svojho pr\u00edjmu?<\/h4><div class=\"faq_inner\">\u010cSOB banka v\u00e1m bez dokladovania v\u00fd\u0161ky v\u00e1\u0161ho pr\u00edjmu p\u00f4\u017ei\u010dku neposkytne. Ak m\u00e1te veden\u00fd be\u017en\u00fd \u00fa\u010det v tejto banke, v\u00fdpis nepotrebujete, preto\u017ee v\u00fd\u0161ku va\u0161ich pr\u00edjmov si vie banka \u013eahko overi\u0165.\nAk m\u00e1te be\u017en\u00fd \u00fa\u010det v inej banke ne\u017e \u010cSOB, je potrebn\u00e9 svoj pr\u00edjem dokladova\u0165 v\u00fdpisom z \u00fa\u010dtu alebo potvrden\u00edm od v\u00e1\u0161ho zamestn\u00e1vate\u013ea.<\/div><h4>M\u00f4\u017eem peniaze pou\u017ei\u0165 na \u010doko\u013evek?<\/h4><div class=\"faq_inner\">\u00c1no, poskytnut\u00e9 financie je mo\u017en\u00e9 pou\u017ei\u0165 na \u010doko\u013evek (napr\u00edklad rekon\u0161trukcia b\u00fdvania, n\u00e1kup nov\u00e9ho auta, dovolenka) a nie s\u00fa \u00fa\u010delovo viazan\u00e9.<\/div><h4>Potrebujem pri \u017eiadosti o p\u00f4\u017ei\u010dku ru\u010dite\u013ea alebo spolu\u017eiadate\u013ea?<\/h4><div class=\"faq_inner\">Nie je to potrebn\u00e9 a po\u017eiada\u0165 o peniaze m\u00f4\u017eete aj sami. V pr\u00edpade, \u017ee je va\u0161a situ\u00e1cia komplikovanej\u0161ia a banka v\u00e1m odmietne va\u0161u \u017eiados\u0165 schv\u00e1li\u0165, m\u00f4\u017ee sama navrhn\u00fa\u0165 rie\u0161enie ved\u00face k schv\u00e1leniu \u017eiadosti pr\u00e1ve prostredn\u00edctvom ru\u010dite\u013ea alebo spolu\u017eiadate\u013ea, ktor\u00ed by zv\u00fd\u0161ili va\u0161u bonitu, alebo cez pr\u00edpadn\u00e9 zalo\u017eenie nehnute\u013enosti.<\/div><\/div>","protected":false},"author":87,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","categories":[1],"company_type":[1097,6],"overall_rating":"1.95263158","_links":{"self":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/company_single\/2593"}],"collection":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/company_single"}],"about":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/types\/company_single"}],"author":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/users\/87"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/comments?post=2593"}],"version-history":[{"count":49,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/company_single\/2593\/revisions"}],"predecessor-version":[{"id":78369,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/company_single\/2593\/revisions\/78369"}],"wp:attachment":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media?parent=2593"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/categories?post=2593"},{"taxonomy":"company_type","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/company_type?post=2593"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}