{"id":11074,"date":"2020-07-07T19:08:56","date_gmt":"2020-07-07T17:08:56","guid":{"rendered":"https:\/\/financer.sk\/?page_id=11074"},"modified":"2024-09-16T12:01:16","modified_gmt":"2024-09-16T10:01:16","slug":"konsolidacia-uveru","status":"publish","type":"page","link":"https:\/\/financer.sk\/pozicky\/konsolidacia-uveru\/","title":{"rendered":"Konsolid\u00e1cia \u00faveru"},"content":{"rendered":"\n<p>Stretli ste sa niekedy s pojmom konsolid\u00e1cia?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"o_je_konsolidcia\">\u010co je konsolid\u00e1cia?<\/h2>\n\n\n\n<p>Konsolid\u00e1cia \u00faverov je <strong>spojenie viacer\u00fdch p\u00f4\u017ei\u010diek alebo \u00faverov do jedn\u00e9ho \u00faveru<\/strong> za \u00fa\u010delom ni\u017e\u0161ej \u00farokovej sadzby, pevnej \u00farokovej sadzby alebo pohodlnosti jednej mesa\u010dnej spl\u00e1tky.<\/p>\n\n\n\n<p><strong>Tento \u00faverov\u00fd produkt je v s\u00fa\u010dasnosti ve\u013emi popul\u00e1rny,<\/strong> preto\u017ee mnoh\u00ed \u013eudia maj\u00fa viacero p\u00f4\u017ei\u010diek a chc\u00fa sa zbavi\u0165 stresu spojen\u00e9ho s viacer\u00fdmi spl\u00e1tkami a \u00farokov\u00fdmi sadzbami. Konsolid\u00e1cia p\u00f4\u017ei\u010diek m\u00f4\u017ee pom\u00f4c\u0165 zjednodu\u0161i\u0165 \u017eivot a u\u0161etri\u0165 peniaze.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><!-- wp:paragraph -->\nKonsolidova\u0165 m\u00f4\u017eete v\u0161etky typy \u00faverov\u00fdch produktov, napr\u00edklad aj:\n<!-- \/wp:paragraph --> <!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><a href=\"https:\/\/financer.sk\/pozicky\/hypoteka\/\">Hypot\u00e9ku<\/a><\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li><a href=\"https:\/\/financer.sk\/pozicky\/spotrebny-uver\/\">Spotrebn\u00fd \u00faver<\/a><\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li><a href=\"https:\/\/financer.sk\/kreditna-karta\/\">Kreditn\u00fa kartu<\/a><\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>Povolen\u00e9 pre\u010derpanie \u00fa\u010dtu<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li><a href=\"https:\/\/financer.sk\/osobne-financie\/klasicky-leasing\/\">Leasing<\/a><\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Konsolidcia_alebo_refinancovanie\">Konsolid\u00e1cia alebo refinancovanie?<\/h2>\n\n\n\n<p>Konsolid\u00e1ciu si zvy\u010dajne \u013eudia m\u00fdlia s <a href=\"https:\/\/financer.sk\/pozicky\/refinancovanie-uveru\/\">refinancovan\u00edm<\/a>. Zatia\u013e \u010do konsolid\u00e1cia sp\u00e1ja viacer\u00e9 nev\u00fdhodn\u00e9 \u00favery do jedn\u00e9ho,<strong> refinancovanie nahr\u00e1dza jednu nev\u00fdhodn\u00fa p\u00f4\u017ei\u010dku druhou,<\/strong> zvy\u010dajne v\u00fdhodnej\u0161ou alternat\u00edvou.<\/p>\n\n\n\n<p class=\"has-text-align-left\">O spojenie <a href=\"https:\/\/financer.sk\/pozicky\/\">p\u00f4\u017ei\u010diek<\/a> do jednej v\u00e4\u010d\u0161ej, pri ktorej z\u00edskate dlh\u0161iu dobu splatnosti a ni\u017e\u0161\u00ed \u00farok, <strong>dnes po\u017eiadate pravdepodobne v ka\u017edej slovenskej banke. <\/strong>Pozrite sa, v \u010dom sa tieto dva produkty odli\u0161uj\u00fa:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-style-share-icons shortcode-embeddable\"><img decoding=\"async\" width=\"800\" height=\"532\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2019\/09\/refinancovanie-konsolidacia.png\" alt=\"refinancovanie-konsolidacia\" class=\"wp-image-4154\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/09\/refinancovanie-konsolidacia.png 800w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/09\/refinancovanie-konsolidacia-300x200.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/09\/refinancovanie-konsolidacia-768x511.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<p>V s\u00fa\u010dasnosti m\u00f4\u017eete konsolidova\u0165 svoje \u00favery vo viacer\u00fdch slovensk\u00fdch bank\u00e1ch. Napr\u00edklad e\u0161te v roku 2013 bolo 38% p\u00f4\u017ei\u010diek Po\u0161tovej banky konsolida\u010dn\u00fdch. Niet sa \u010do divi\u0165, pod\u013ea posledn\u00fdch prieskumov sme <a href=\"https:\/\/financer.sk\/rychla-pozicka\/#dlhy\">najzadl\u017eenej\u0161\u00ed n\u00e1rod v Eur\u00f3pskej \u00fanii<\/a>.<\/p>\n\n\n\n<p>Ak aj vy m\u00e1te viacero p\u00f4\u017ei\u010diek a nest\u00edhate sledova\u0165 d\u00e1tumy splatnosti, v\u00fd\u0161ky spl\u00e1tok a nev\u00fdhodn\u00fdch \u00farokov,<strong> je \u010das za\u010da\u0165 uva\u017eova\u0165 nad t\u00fdm, ako situ\u00e1ciu \u010do najviac u\u013eah\u010di\u0165 a konsolidova\u0165.<\/strong><\/p>\n\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg2\"><h3>Porovnajte p\u00f4\u017ei\u010dky od 19 poskytovate\u013eov<\/h3><p>N\u00e1jdite najlacnej\u0161iu sadzbu jedn\u00fdm kliknut\u00edm<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"1000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.sk\/vysledky?query=1&param_amount=1000&param_period=360&\" data-slider-url=\"https:\/\/financer.sk\/vysledky?query=1&param_amount=1000&param_period=360&\" data-required=\"vysledky?query=1param_amount=1000&param_period=360&\" class=\"get_results compare button is-primary is-medium is-rounded\">Porovna\u0165 ponuky<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Typy_konsolidcie\">Typy konsolid\u00e1cie<\/h2>\n\n\n\n<ul>\n<li><strong>Konsolid\u00e1cia \u00faverov na b\u00fdvanie.\u00a0<\/strong>T\u00e1to forma konsolid\u00e1cie sa vykon\u00e1va pre\u00a0<a href=\"https:\/\/financer.sk\/pozicky\/hypoteka\/\">\u00favery na b\u00fdvanie<\/a>, ako s\u00fa hypot\u00e9ky alebo \u00favery na rekon\u0161trukciu. Cie\u013eom je zn\u00ed\u017ei\u0165 mesa\u010dn\u00e9 spl\u00e1tky a celkov\u00e9 n\u00e1klady na \u00faver.<\/li>\n\n\n\n<li><strong>Konsolid\u00e1cia spotrebn\u00fdch \u00faverov.\u00a0<\/strong>T\u00e1to forma konsolid\u00e1cie sa vykon\u00e1va pre\u00a0<a href=\"https:\/\/financer.sk\/pozicky\/spotrebny-uver\/\">spotrebn\u00e9 \u00favery<\/a>, ako s\u00fa\u00a0<a href=\"https:\/\/financer.sk\/kreditna-karta\/\">kreditn\u00e9 karty,<\/a>\u00a0alebo\u00a0<a href=\"https:\/\/financer.sk\/pozicky\/uver-na-auto\/\">p\u00f4\u017ei\u010dky na auto<\/a>. Cie\u013eom je zn\u00ed\u017ei\u0165 mesa\u010dn\u00e9 spl\u00e1tky a celkov\u00e9 n\u00e1klady na \u00faver.<\/li>\n\n\n\n<li><strong>Konsolid\u00e1cia dlhu.<\/strong>\u00a0T\u00e1to forma konsolid\u00e1cie sa vykon\u00e1va pre r\u00f4zne typy \u00faverov, ako s\u00fa spotrebn\u00e9 \u00favery, \u00favery na b\u00fdvanie, alebo dlhy z kreditn\u00fdch kariet. Cie\u013eom je zjednodu\u0161i\u0165 proces spl\u00e1cania, zn\u00ed\u017ei\u0165 celkov\u00e9 n\u00e1klady na dlh a\u00a0<a href=\"https:\/\/financer.sk\/ako-na-to\/ako-sa-zbavit-dlhov\/\">postupne sa zbavi\u0165 dlhov.<\/a><\/li>\n\n\n\n<li><strong>Konsolid\u00e1cia \u00faverov s vyu\u017eit\u00edm \u00faveru na konsolid\u00e1ciu.<\/strong>\u00a0T\u00e1to forma konsolid\u00e1cie sa vykon\u00e1va s vyu\u017eit\u00edm nov\u00e9ho \u00faveru na splatenie existuj\u00facich \u00faverov. Cie\u013eom je zjednodu\u0161i\u0165 proces spl\u00e1cania a zn\u00ed\u017ei\u0165 celkov\u00e9 n\u00e1klady na \u00faver.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Ako_funguje_konsolidcia\">Ako funguje konsolid\u00e1cia?<\/h2>\n\n\n\n<p>V pr\u00edpade, \u017ee chcete konsolidova\u0165 existuj\u00face \u00favery alebo refinancova\u0165 nev\u00fdhodn\u00fd \u00faver, existuje jednotn\u00fd postup pre oba pr\u00edpady, ktor\u00fd treba dodr\u017eiava\u0165.<\/p>\n\n\n<h3><\/h3>\n<ul>\n<li><strong>D\u00f4vody konsolid\u00e1cie.<\/strong> Odpor\u00fa\u010dame v\u00e1m sadn\u00fa\u0165 si a sp\u00edsa\u0165 si v\u0161etky d\u00f4vody, pre\u010do chcete va\u0161e p\u00f4\u017ei\u010dky konsolidova\u0165. To v\u00e1m pom\u00f4\u017ee lep\u0161ie sa rozhodn\u00fa\u0165.<\/li>\n<li><strong>Kalkul\u00e1cia. <\/strong>Sp\u00ed\u0161te si v\u0161etky va\u0161e p\u00f4\u017ei\u010dky. Pribli\u017ene si vyr\u00e1tajte, \u010di za star\u00e9 p\u00f4\u017ei\u010dky zaplat\u00edte viac ako za jednu nov\u00fa.<\/li>\n<li><strong>Porovnanie pon\u00fak. <\/strong>Rozhliadnite sa a porovnajte v\u0161etky dostupn\u00e9 ponuky na trhu, len tak n\u00e1jdete t\u00fa najlep\u0161iu konsolid\u00e1ciu p\u00f4\u017ei\u010diek pre v\u00e1s.<\/li>\n<li><strong>Vytvorenie \u017eiadosti.<\/strong> Vyberte si z pon\u00fak, t\u00fa najlep\u0161iu mo\u017enos\u0165, ktor\u00e1 vyhovuje va\u0161im potreb\u00e1m. N\u00e1sledne o dan\u00fd konsolida\u010dn\u00fd \u00faver po\u017eiadajte.<\/li>\n<li><strong>Vy\u017eiadanie s\u00fahlasu.<\/strong> Aby ste mohli zl\u00fa\u010di\u0165 v\u0161etky va\u0161e star\u00e9 p\u00f4\u017ei\u010dky do jednej, bude potrebn\u00e9 po\u017eiada\u0165 o s\u00fahlas s pred\u010dasn\u00fdm splaten\u00edm u dan\u00fdch poskytovate\u013eov va\u0161ich star\u00fdch p\u00f4\u017ei\u010diek.<\/li>\n<\/ul>\n\n\n<h2 class=\"wp-block-heading\" id=\"Konsolidcia_vznam\">Konsolid\u00e1cia v\u00fdznam<\/h2>\n\n\n\n<p><strong>Konsolid\u00e1cia je v\u00fdhodn\u00e1<\/strong> predov\u0161etk\u00fdm vtedy, ak n\u00e1klady na pred\u010dasn\u00e9 splatenie ostatn\u00fdch \u00faverov vo forme pok\u00fat a sankci\u00ed spolu s celkov\u00fdm preplaten\u00edm bud\u00fa vy\u0161\u0161ie, ne\u017e \u00farok a ro\u010dn\u00e1 percentu\u00e1lna miera n\u00e1kladov pri novej konsolidovanej p\u00f4\u017ei\u010dke.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div>Plat\u00ed jednoduch\u00e1 priama \u00famera. Zvy\u010dajne sa konsolid\u00e1cia vypl\u00e1ca pri vy\u0161\u0161om po\u010dte r\u00f4znych <a href=\"https:\/\/financer.sk\/pozicky\/\">\u00faverov<\/a>, <a href=\"https:\/\/financer.sk\/pozicky\/rychla-pozicka\/\">r\u00fdchlych p\u00f4\u017ei\u010diek<\/a> a <a href=\"https:\/\/financer.sk\/kreditna-karta\/\">kreditn\u00fdch kariet<\/a>. <strong data-rich-text-format-boundary=\"true\">\u010c\u00edm viac ich m\u00e1te, t\u00fdm nepreh\u013eadnej\u0161ie s\u00fa<\/strong>. Je pomerne \u0165a\u017ek\u00e9 zapam\u00e4ta\u0165 si d\u00e1tumy splatnosti jednotliv\u00fdch \u00faverov.<\/div>\n\n\n<p>Pri jednom \u00favere m\u00e1te lep\u0161\u00ed preh\u013ead o va\u0161ich celkov\u00fdch v\u00fddavkoch, navy\u0161e platba odch\u00e1dza z v\u00e1\u0161ho \u00fa\u010dtu len raz mesa\u010dne. Okrem celkov\u00e9ho \u0161etrenia na \u00farokoch je v\u00fdhodou mo\u017enos\u0165 nav\u00fd\u0161enia \u00faveru. <strong>Vhodnou konsolid\u00e1ciou sa m\u00f4\u017eete dosta\u0165 k peniazom navy\u0161e.<\/strong><\/p>\n\n\n\n<p>Teraz si uk\u00e1\u017eeme jednoduch\u00fd <strong>pr\u00edklad, kedy sa konsolid\u00e1cia naozaj vypl\u00e1ca.<\/strong> Na \u00favod si predstavte, \u017ee m\u00e1te jeden <a href=\"https:\/\/financer.sk\/pozicky\/spotrebny-uver\/\">spotrebn\u00fd \u00faver<\/a> so splatnos\u0165ou 1 roka vo v\u00fd\u0161ke 1000 EUR a r\u00fdchlu p\u00f4\u017ei\u010dku 350 EUR so splatnos\u0165ou 1 mesiac.<\/p>\n\n\n\n<figure class=\"wp-block-table table is-style-fn-tables shortcode-no\"><table><tbody><tr><th>Po\u017ei\u010dan\u00e9<\/th><th>Na ako dlho<\/th><th>Spl\u00e1tka<\/th><th>Preplatok<\/th><\/tr><tr><td>1000,- \u20ac<\/td><td>12 mesiacov<\/td><td>110,- \u20ac<\/td><td>320,- \u20ac<\/td><\/tr><tr><td>350,- \u20ac<\/td><td>1 mesiac<\/td><td>357,44,- \u20ac<\/td><td>7,44,- \u20ac<\/td><\/tr><tr><td><\/td><td><\/td><td><\/td><td><strong>327,44,- \u20ac<\/strong><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Pr\u00edklad: Doteraj\u0161ie \u00favery<\/figcaption><\/figure>\n\n\n\n<p>Pri r\u00fdchlej p\u00f4\u017ei\u010dke v druhom riadku r\u00e1tame s jednor\u00e1zov\u00fdm splaten\u00edm dl\u017enej sumy v lehote 30 dn\u00ed a neuva\u017eujeme tak nad pred\u013a\u017een\u00edm splatnosti, ktor\u00e9 by bolo ur\u010dite spoplatnen\u00e9 a v\u00e1\u0161 preplatok e\u0161te vy\u0161\u0161\u00ed.\u00a0Teraz si uk\u00e1\u017eeme konsolid\u00e1ciu p\u00f4\u017ei\u010diek z hornej tabu\u013eky.<\/p>\n\n\n\n<figure class=\"wp-block-table table is-style-fn-tables shortcode-no\"><table><tbody><tr><th>Po\u017ei\u010dan\u00e9<\/th><th>Na ako dlho<\/th><th>Spl\u00e1tka<\/th><th>Preplatok<\/th><\/tr><tr><td>1 350,- \u20ac<\/td><td>48 mesiacov<\/td><td>30,- \u20ac<\/td><td><strong>90,- \u20ac<\/strong><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Pr\u00edklad: Konsolidovan\u00fd \u00faver<\/figcaption><\/figure>\n\n\n\n<p>Rozdiel na u\u0161etren\u00fdch \u00farokoch (327,44 &#8211; 90) je presne 237,44 EUR. Aj napriek tomu, \u017ee nov\u00fd konsolida\u010dn\u00fd \u00faver budete spl\u00e1ca\u0165 dlh\u0161ie, konkr\u00e9tne 4 roky namiesto 1 roka a 1 mesiaca.<\/p>\n\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg2\">\n\t\t\t\t<h3>Ako u\u0161etri\u0165 <span class=\"compare-amount\">257,00 \u20ac <\/span> na va\u0161ej p\u00f4\u017ei\u010dke<\/h3>\n\t\t\t\t<p>Cenov\u00fd rozdiel pre p\u00f4\u017ei\u010dku 1&nbsp;000,00 \u20ac v 90 d\u0148och je 257,00 \u20ac.<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financer.sk\/vysledky\/?query=1&filter_non_affiliate=1&param_amount=1000&param_period=90\" class=\"button is-normal is-primary is-rounded\">Zistite ako<\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"Podmienky_konsolidcie_piiek\">Podmienky konsolid\u00e1cie p\u00f4\u017ei\u010diek<\/h2>\n\n\n\n<p>Jednou z hlavn\u00fdch podmienok na konsolid\u00e1ciu \u00faverov je, \u017ee <strong>dl\u017en\u00edk mus\u00ed by\u0165 schopn\u00fd spl\u00e1ca\u0165 nov\u00fd \u00faver, <\/strong>ktor\u00fd bude pou\u017eit\u00fd na konsolid\u00e1ciu existuj\u00facich \u00faverov. Toto znamen\u00e1, \u017ee dl\u017en\u00edk mus\u00ed ma\u0165 dostato\u010dn\u00fa bonitu a dostato\u010dn\u00fd pr\u00edjem na to, aby spl\u00e1cal nov\u00fd \u00faver po dobu splatnosti.<\/p>\n\n\n\n<p>\u010eal\u0161ou d\u00f4le\u017eitou podmienkou je, \u017ee dl\u017en\u00edk mus\u00ed ma\u0165 existuj\u00face \u00favery, ktor\u00e9 chce konsolidova\u0165. Tieto \u00favery musia by\u0165 v platnom stave a <strong>dl\u017en\u00edk mus\u00ed by\u0165 schopn\u00fd predlo\u017ei\u0165 potvrdenia o spl\u00e1can\u00ed t\u00fdchto \u00faverov.<\/strong><\/p>\n\n\n\n<p>\u010eal\u0161ou podmienkou je, \u017ee<strong> dl\u017en\u00edk mus\u00ed by\u0165 schopn\u00fd zaplati\u0165 poplatky spojen\u00e9 s konsolid\u00e1ciou \u00faverov.<\/strong> Tieto poplatky m\u00f4\u017eu zah\u0155\u0148a\u0165 poplatky za vybavenie \u00faveru, poplatky za spracovanie dokumentov a poplatky za poskytnutie poradenstva.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Najastejie_mty_o_konsolidcii_piiek\">Naj\u010dastej\u0161ie m\u00fdty o konsolid\u00e1cii p\u00f4\u017ei\u010diek<\/h2>\n\n\n\n<p>Vo Financer.sk sme zhrnuli naj\u010dastej\u0161ie m\u00fdty o konsolid\u00e1cii \u00faverov.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i1_S_konsolidciou_piiek_je_spojen_vek_byrokracia\">1. S konsolid\u00e1ciou p\u00f4\u017ei\u010diek je spojen\u00e1 ve\u013ek\u00e1 byrokracia<\/h3>\n\n\n\n<p>V drvivej v\u00e4\u010d\u0161ine pr\u00edpadov <strong>sa cel\u00e1 konsolid\u00e1cia p\u00f4\u017ei\u010diek d\u00e1 zvl\u00e1dnu\u0165 \u010disto cez internet.<\/strong> Na str\u00e1nkach jednotliv\u00fdch spolo\u010dnost\u00ed si m\u00f4\u017eete v kalkula\u010dk\u00e1ch r\u00fdchlo nastavi\u0165 po\u017eadovan\u00fa v\u00fd\u0161ku nov\u00e9ho \u00faveru a pozrie\u0165 sa, ko\u013eko za\u0148 celkom preplat\u00edte.<\/p>\n\n\n\n<p>Takto si prejdite \u010do najviac pon\u00fak  a vyberte si t\u00fa najvhodnej\u0161iu mo\u017enos\u0165 pre v\u00e1s. Pr\u00edpadne si tie\u017e m\u00f4\u017eete v\u00fdber dobrej spolo\u010dnosti ur\u00fdchli\u0165 a <strong>k tomu v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165 na\u0161e porovnanie konsolida\u010dn\u00fdch p\u00f4\u017ei\u010diek.<\/strong><\/p>\n\n\n\n<p>Nemus\u00edte sa b\u00e1\u0165, <strong>nehroz\u00ed v\u00e1m \u017eiadna zbyto\u010dn\u00e1 byrokracia<\/strong> a zh\u00e1\u0148anie dokumentov. Najm\u00e4 pri nebankov\u00fdch spolo\u010dnostiach je pri konsolid\u00e1ci\u00ed nutn\u00e9 dolo\u017ei\u0165 len doklady o splaten\u00ed star\u00fdch z\u00e1v\u00e4zkov.<\/p>\n\n\n\n<p>Banky si v\u00e1s zase bud\u00fa ako klienta chcie\u0165 previes\u0165 kompletne pod seba, tak\u017ee v\u00e1m napr\u00edklad preved\u00fa star\u00fd bankov\u00fd \u00fa\u010det k nim. Na\u0161\u0165astie dnes u\u017e <strong>v\u0161etko vybavuj\u00fa banky samy a v\u00e1s sa tak net\u00fdka skoro \u017eiadne papierovanie. <\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i2_Drah_ver_nemete_konsolidova\">2. Drah\u00fd \u00faver nem\u00f4\u017eete konsolidova\u0165<\/h3>\n\n\n\n<p>Toto tvrdenie tie\u017e nie je \u00faplne pravda. V\u0161etko sa d\u00e1, ke\u010f sa chce. <strong>\u00darokov\u00e9 sadzby si v\u0161etky spolo\u010dnosti \u010dasom upravuj\u00fa.<\/strong> \u010casto sa tak objavia akcie nejakej spolo\u010dnosti a kto nezav\u00e1ha, m\u00e1 mo\u017enos\u0165 si refinancova\u0165 p\u00f4\u017ei\u010dky za ove\u013ea lep\u0161\u00edch podmienok.<\/p>\n\n\n\n<p>Dne\u0161n\u00fd trend na trhu je s\u00edce postupne \u00farokov\u00e9 sadzby zvy\u0161ova\u0165, ale <strong>dobr\u00e9 ponuky sa z \u010dasu na \u010das objavuj\u00fa. <\/strong>Zo z\u00e1kona maj\u00fa spolo\u010dnosti povinnos\u0165 v\u00e1m umo\u017eni\u0165 pred\u010dasn\u00e9 doplatenie \u00faveru, a tak v\u00e1m ni\u010d nem\u00f4\u017ee zabr\u00e1ni\u0165 konsolid\u00e1cii p\u00f4\u017ei\u010diek u\u0161etri\u0165 dobr\u00e9 peniaze.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i3_Vetky_ponuky_s_rovnak\">3. V\u0161etky ponuky s\u00fa rovnak\u00e9<\/h3>\n\n\n\n<p><strong>Nie v\u0161etky ponuky s\u00fa rovnak\u00e9,<\/strong> aj ke\u010f to na prv\u00fd poh\u013ead niekedy m\u00f4\u017ee vyzera\u0165. Preto je d\u00f4le\u017eit\u00e9 porovn\u00e1va\u0165 si pri prech\u00e1dzan\u00ed pon\u00fak <a href=\"https:\/\/financer.sk\/wiki\/co-je-to-rpmn\/\">RPMN<\/a> a celkov\u00fd preplatok.<\/p>\n\n\n\n<p>RPMN teda ro\u010dn\u00e1 percentu\u00e1lna miera n\u00e1kladov ukazuje,<strong> ko\u013eko ka\u017ed\u00fd rok zaplat\u00edte na \u00favere navy\u0161e vr\u00e1tane \u00faroku a v\u0161etk\u00fdch \u010fal\u0161\u00edch poplatkov. <\/strong>Preplatok v\u00e1m potom uk\u00e1\u017ee \u00faplne priamo, ko\u013eko za po\u017ei\u010dan\u00e9 peniaze celkom zaplat\u00edte.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"N_tip\">N\u00e1\u0161 tip:<\/h3>E\u0161te pred samotnou \u017eiados\u0165ou o refinancovanie alebo konsolid\u00e1ciu star\u00fdch \u00faverov a in\u00fdch finan\u010dn\u00fdch z\u00e1v\u00e4zkov <strong>si aspo\u0148 pribli\u017ene vypo\u010d\u00edtajte konkr\u00e9tne zahrnut\u00e9 poplatky.<\/strong> Ak by boli privysok\u00e9, refinancovanie \u00faveru sa kv\u00f4li nim u\u017e nemus\u00ed javi\u0165 ako v\u00fdhodn\u00e9.<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ako_funguje_porovnanie_konsolidanch_verov_na_Financersk\">Ako funguje porovnanie konsolida\u010dn\u00fdch \u00faverov na Financer.sk?<\/h2>\n\n\n\n<ol>\n<li><strong>Porovnajte jednotliv\u00e9 mo\u017enosti:<\/strong> Analyzujte \u00farokov\u00e9 sadzby a podmienky r\u00f4znych konsolida\u010dn\u00fdch \u00faverov.<\/li>\n\n\n\n<li><strong>Vyberte si t\u00fa najlep\u0161iu ponuku:<\/strong> Zvo\u013ete konsolida\u010dn\u00fd \u00faver, ktor\u00fd najlep\u0161ie vyhovuje va\u0161im finan\u010dn\u00fdm potreb\u00e1m a cie\u013eom.<\/li>\n\n\n\n<li><strong>Z\u00edskajte najlep\u0161\u00ed konsolida\u010dn\u00fd \u00faver:<\/strong> Vypl\u0148te \u017eiados\u0165 o \u00faver a o\u010dak\u00e1vajte r\u00fdchle spracovanie s mo\u017enos\u0165ou z\u00edskania financi\u00ed na v\u00e1\u0161 \u00fa\u010det v priebehu nieko\u013ek\u00fdch hod\u00edn.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Podmienky_konsolidcie_verov_v_roku_fn_date_formatY\">Podmienky konsolid\u00e1cie \u00faverov v roku 2024<\/h2>\n\n\n\n<p>Aby ste mohli vyu\u017ei\u0165 v\u00fdhody konsolid\u00e1cie \u00faverov na Slovensku, mus\u00edte splni\u0165 tieto z\u00e1kladn\u00e9 podmienky:<\/p>\n\n\n\n<ul>\n<li><strong>Dobr\u00e1 platobn\u00e1 mor\u00e1lka:<\/strong> Preuk\u00e1zate\u013en\u00e1 hist\u00f3ria v\u010dasn\u00e9ho spl\u00e1cania existuj\u00facich \u00faverov.<\/li>\n\n\n\n<li><strong>\u010cist\u00fd register dl\u017en\u00edkov:<\/strong> Nesm\u00fa by\u0165 evidovan\u00e9 \u017eiadne nesplaten\u00e9 z\u00e1v\u00e4zky v ofici\u00e1lnych registroch.<\/li>\n\n\n\n<li><strong>Dostato\u010dn\u00fd pr\u00edjem:<\/strong> Schopnos\u0165 spl\u00e1ca\u0165 nov\u00fd konsolidovan\u00fd \u00faver.<\/li>\n\n\n\n<li><strong>Zlu\u010dite\u013en\u00e9 \u00favery:<\/strong> Nie v\u0161etky typy \u00faverov s\u00fa vhodn\u00e9 na konsolid\u00e1ciu. Overte si podmienky u konkr\u00e9tneho poskytovate\u013ea.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Proces_konsolidcie_verov\">Proces konsolid\u00e1cie \u00faverov<\/h2>\n\n\n\n<ol>\n<li><strong>Anal\u00fdza s\u00fa\u010dasnej situ\u00e1cie:<\/strong> Zhodno\u0165te v\u0161etky va\u0161e existuj\u00face \u00favery a ich podmienky.<\/li>\n\n\n\n<li><strong>V\u00fdpo\u010det potenci\u00e1lnych \u00faspor:<\/strong> Vyu\u017eite online kalkula\u010dky na porovnanie s\u00fa\u010dasn\u00fdch spl\u00e1tok s mo\u017enou konsolidovanou spl\u00e1tkou.<\/li>\n\n\n\n<li><strong>V\u00fdber poskytovate\u013ea:<\/strong> Porovnajte ponuky r\u00f4znych b\u00e1nk a finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed.<\/li>\n\n\n\n<li><strong>Podanie \u017eiadosti:<\/strong> M\u00f4\u017eete tak urobi\u0165 osobne na pobo\u010dke alebo online cez webov\u00fa str\u00e1nku banky.<\/li>\n\n\n\n<li><strong>Schv\u00e1lenie a realiz\u00e1cia:<\/strong> Po schv\u00e1len\u00ed nov\u00fd poskytovate\u013e zvy\u010dajne zaplat\u00ed va\u0161e existuj\u00face \u00favery priamo.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Vhody_konsolidcie_verov\">V\u00fdhody konsolid\u00e1cie \u00faverov<\/h2>\n\n\n\n<ul>\n<li><strong>Jednoduch\u0161ie spl\u00e1canie:<\/strong> Namiesto viacer\u00fdch spl\u00e1tok plat\u00edte len jednu mesa\u010dn\u00fa spl\u00e1tku.<\/li>\n\n\n\n<li><strong>Potenci\u00e1lne ni\u017e\u0161ie \u00farokov\u00e9 sadzby:<\/strong> M\u00f4\u017eete z\u00edska\u0165 v\u00fdhodnej\u0161iu celkov\u00fa \u00farokov\u00fa sadzbu.<\/li>\n\n\n\n<li><strong>Lep\u0161\u00ed preh\u013ead o financi\u00e1ch:<\/strong> Jednoduch\u0161ie sledovanie a mana\u017ement v\u00e1\u0161ho dlhu.<\/li>\n\n\n\n<li><strong>Mo\u017enos\u0165 pred\u013a\u017eenia doby spl\u00e1cania:<\/strong> M\u00f4\u017ee vies\u0165 k ni\u017e\u0161\u00edm mesa\u010dn\u00fdm spl\u00e1tkam, aj ke\u010f celkovo zaplat\u00edte viac.<\/li>\n\n\n\n<li><strong>Potenci\u00e1lne zlep\u0161enie kreditn\u00e9ho sk\u00f3re:<\/strong> Pravideln\u00e9 spl\u00e1canie jedn\u00e9ho \u00faveru m\u00f4\u017ee pozit\u00edvne ovplyvni\u0165 va\u0161e kreditn\u00e9 hodnotenie.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Nevhody_konsolidcie_verov\">Nev\u00fdhody konsolid\u00e1cie \u00faverov<\/h2>\n\n\n\n<ul>\n<li><strong>Mo\u017en\u00e9 pred\u013a\u017eenie doby spl\u00e1cania:<\/strong> Hoci mesa\u010dn\u00e9 spl\u00e1tky m\u00f4\u017eu by\u0165 ni\u017e\u0161ie, celkovo m\u00f4\u017eete zaplati\u0165 viac.<\/li>\n\n\n\n<li><strong>Potenci\u00e1lne poplatky:<\/strong> Niektor\u00e9 banky m\u00f4\u017eu \u00fa\u010dtova\u0165 poplatky za pred\u010dasn\u00e9 splatenie existuj\u00facich \u00faverov alebo za poskytnutie nov\u00e9ho \u00faveru.<\/li>\n\n\n\n<li><strong>Riziko op\u00e4tovn\u00e9ho zadl\u017eenia:<\/strong> Ak nezmen\u00edte svoje finan\u010dn\u00e9 n\u00e1vyky, m\u00f4\u017eete sa dosta\u0165 do e\u0161te v\u00e4\u010d\u0161\u00edch probl\u00e9mov.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ttna_pomoc_pri_zven_spltok_verov\">\u0160t\u00e1tna pomoc pri zv\u00fd\u0161en\u00ed spl\u00e1tok \u00faverov<\/h2>\n\n\n\n<p>Od roku 2024 slovensk\u00e1 vl\u00e1da poskytuje \u0161peci\u00e1lny pr\u00edspevok na zv\u00fd\u0161en\u00fa spl\u00e1tku \u00faveru na b\u00fdvanie. T\u00e1to pomoc je ur\u010den\u00e1 pre \u013eud\u00ed, ktor\u00fdm sa v\u00fdrazne zv\u00fd\u0161ili spl\u00e1tky po refix\u00e1cii \u00farokovej sadzby. Je to zmena oproti roku 2023, kedy bola t\u00e1to pomoc poskytovan\u00e1 formou da\u0148ov\u00e9ho bonusu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Tipy_pre_spen_konsolidciu_verov\">Tipy pre \u00faspe\u0161n\u00fa konsolid\u00e1ciu \u00faverov<\/h2>\n\n\n\n<ol>\n<li><strong>D\u00f4kladne porovn\u00e1vajte ponuky:<\/strong> Nezameriavajte sa len na \u00farokov\u00fa sadzbu, ale aj na RPMN (ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov) a celkov\u00e9 n\u00e1klady \u00faveru.<\/li>\n\n\n\n<li><strong>\u010c\u00edtajte zmluvu pozorne:<\/strong> Uistite sa, \u017ee rozumiete v\u0161etk\u00fdm podmienkam nov\u00e9ho \u00faveru.<\/li>\n\n\n\n<li><strong>Zv\u00e1\u017ete dlhodob\u00e9 d\u00f4sledky:<\/strong> Aj ke\u010f ni\u017e\u0161ie mesa\u010dn\u00e9 spl\u00e1tky m\u00f4\u017eu by\u0165 l\u00e1kav\u00e9, prepo\u010d\u00edtajte si celkov\u00e9 n\u00e1klady po\u010das celej doby spl\u00e1cania.<\/li>\n\n\n\n<li><strong>Vytvorte si finan\u010dn\u00fd pl\u00e1n:<\/strong> Konsolid\u00e1cia je pr\u00edle\u017eitos\u0165ou na zlep\u0161enie va\u0161ich finan\u010dn\u00fdch n\u00e1vykov. Vytvorte si rozpo\u010det a pl\u00e1n spl\u00e1cania.<\/li>\n\n\n\n<li><strong>Zv\u00e1\u017ete poradenstvo:<\/strong> Ak si nie ste ist\u00ed, konzultujte svoju situ\u00e1ciu s finan\u010dn\u00fdm poradcom.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Aktulne_trendy_v_konsolidcii_verov_na_Slovensku\">Aktu\u00e1lne trendy v konsolid\u00e1cii \u00faverov na Slovensku<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Digitalizcia_procesu\">Digitaliz\u00e1cia procesu<\/h3>\n\n\n\n<p>V roku 2024 banky a finan\u010dn\u00ed poskytovatelia na Slovensku pokra\u010duj\u00fa v digitaliz\u00e1cii procesu konsolid\u00e1cie \u00faverov. Mnoho in\u0161tit\u00faci\u00ed teraz pon\u00faka plne online rie\u0161enia, od \u017eiadosti a\u017e po podpis zmluvy, \u010do v\u00fdrazne ur\u00fdch\u013euje cel\u00fd proces.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Personalizovan_ponuky\">Personalizovan\u00e9 ponuky<\/h3>\n\n\n\n<p>V\u010faka pokro\u010dil\u00fdm algoritmom a anal\u00fdze d\u00e1t m\u00f4\u017eu banky pon\u00faka\u0165 \u010doraz personalizovanej\u0161ie konsolida\u010dn\u00e9 rie\u0161enia. Tieto ponuky s\u00fa prisp\u00f4soben\u00e9 individu\u00e1lnej finan\u010dnej situ\u00e1cii klienta, \u010do zvy\u0161uje \u0161ance na schv\u00e1lenie a v\u00fdhodnej\u0161ie podmienky.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Draz_na_finann_vzdelvanie\">D\u00f4raz na finan\u010dn\u00e9 vzdel\u00e1vanie<\/h3>\n\n\n\n<p>Mnoh\u00e9 finan\u010dn\u00e9 in\u0161tit\u00facie za\u010dali kl\u00e1s\u0165 v\u00e4\u010d\u0161\u00ed d\u00f4raz na finan\u010dn\u00e9 vzdel\u00e1vanie svojich klientov. Popri ponuke konsolid\u00e1cie poskytuj\u00fa aj n\u00e1stroje a rady na lep\u0161ie hospod\u00e1renie s financiami, \u010d\u00edm pom\u00e1haj\u00fa predch\u00e1dza\u0165 bud\u00facim finan\u010dn\u00fdm probl\u00e9mom.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Flexibiln_podmienky_splcania\">Flexibiln\u00e9 podmienky spl\u00e1cania<\/h3>\n\n\n\n<p>Niektor\u00e9 banky za\u010dali pon\u00faka\u0165 flexibilnej\u0161ie podmienky spl\u00e1cania konsolidovan\u00fdch \u00faverov. To m\u00f4\u017ee zah\u0155\u0148a\u0165 mo\u017enos\u0165 do\u010dasn\u00e9ho zn\u00ed\u017eenia spl\u00e1tok v pr\u00edpade finan\u010dn\u00fdch \u0165a\u017ekost\u00ed alebo mo\u017enos\u0165 pred\u010dasn\u00e9ho splatenia bez poplatkov.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Prpadov_tdia_Konsolidcia_verov_v_praxi\">Pr\u00edpadov\u00e1 \u0161t\u00fadia: Konsolid\u00e1cia \u00faverov v praxi<\/h2>\n\n\n\n<p>Predstavme si modelov\u00fa situ\u00e1ciu Petra, 35-ro\u010dn\u00e9ho IT \u0161pecialistu zo Bratislavy, ktor\u00fd sa rozhodol konsolidova\u0165 svoje \u00favery v 2024.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Vchodiskov_situcia_Petra\">V\u00fdchodiskov\u00e1 situ\u00e1cia Petra:<\/h3>\n\n\n\n<ul>\n<li>Hypotek\u00e1rny \u00faver: 80 000 \u20ac s \u00farokom 3,5% p.a.<\/li>\n\n\n\n<li>Spotrebn\u00fd \u00faver: 10 000 \u20ac s \u00farokom 8% p.a.<\/li>\n\n\n\n<li>Kreditn\u00e1 karta: dlh 3 000 \u20ac s \u00farokom 19% p.a.<\/li>\n<\/ul>\n\n\n\n<p>Celkov\u00e9 mesa\u010dn\u00e9 spl\u00e1tky: 950 \u20ac<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Po_konsolidcii\">Po konsolid\u00e1cii:<\/h3>\n\n\n\n<p>Peter z\u00edskal konsolida\u010dn\u00fd \u00faver v hodnote 93 000 \u20ac s \u00farokovou sadzbou 3,2% p.a. na 20 rokov.<br>Nov\u00e1 mesa\u010dn\u00e1 spl\u00e1tka: 780 \u20ac<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Vsledok\">V\u00fdsledok:<\/h3>\n\n\n\n<ul>\n<li>Mesa\u010dn\u00e1 \u00faspora: 170 \u20ac<\/li>\n\n\n\n<li>Ro\u010dn\u00e1 \u00faspora na \u00farokoch: pribli\u017ene 2 000 \u20ac<\/li>\n\n\n\n<li>Zjednodu\u0161enie: namiesto troch spl\u00e1tok plat\u00ed len jednu<\/li>\n<\/ul>\n\n\n\n<p>T\u00e1to pr\u00edpadov\u00e1 \u0161t\u00fadia ilustruje, ako m\u00f4\u017ee spr\u00e1vne nastaven\u00e1 konsolid\u00e1cia prinies\u0165 zna\u010dn\u00e9 \u00faspory a zjednodu\u0161i\u0165 finan\u010dn\u00fa situ\u00e1ciu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Zveren_odporania\">Z\u00e1vere\u010dn\u00e9 odpor\u00fa\u010dania<\/h2>\n\n\n\n<p>Konsolid\u00e1cia \u00faverov m\u00f4\u017ee by\u0165 v\u00fdborn\u00fdm n\u00e1strojom na zlep\u0161enie va\u0161ej finan\u010dnej situ\u00e1cie, ale vy\u017eaduje si d\u00f4kladn\u00e9 zv\u00e1\u017eenie a pl\u00e1novanie. Tu s\u00fa k\u013e\u00fa\u010dov\u00e9 body, na ktor\u00e9 by ste nemali zabudn\u00fa\u0165:<\/p>\n\n\n\n<ol>\n<li><strong>D\u00f4kladn\u00e1 anal\u00fdza:<\/strong> Pred rozhodnut\u00edm o konsolid\u00e1cii si urobte podrobn\u00fa anal\u00fdzu va\u0161ej finan\u010dnej situ\u00e1cie a v\u0161etk\u00fdch existuj\u00facich \u00faverov.<\/li>\n\n\n\n<li><strong>Porovn\u00e1vajte ponuky:<\/strong> Vyu\u017eite porovn\u00e1vacie n\u00e1stroje ako Financer.sk na z\u00edskanie preh\u013eadu o najlep\u0161\u00edch dostupn\u00fdch ponuk\u00e1ch na trhu.<\/li>\n\n\n\n<li><strong>Dlhodob\u00e1 perspekt\u00edva:<\/strong> Zv\u00e1\u017ete nielen kr\u00e1tkodob\u00e9 \u00fa\u013eavy, ale aj dlhodob\u00e9 d\u00f4sledky konsolid\u00e1cie na va\u0161e financie.<\/li>\n\n\n\n<li><strong>\u010c\u00edtajte podmienky:<\/strong> Venujte pozornos\u0165 v\u0161etk\u00fdm detailom v zmluve, vr\u00e1tane skryt\u00fdch poplatkov a podmienok pred\u010dasn\u00e9ho splatenia.<\/li>\n\n\n\n<li><strong>Finan\u010dn\u00e1 discipl\u00edna:<\/strong> Konsolid\u00e1cia je pr\u00edle\u017eitos\u0165ou na nov\u00fd za\u010diatok. Vyu\u017eite ju na vytvorenie zdrav\u0161\u00edch finan\u010dn\u00fdch n\u00e1vykov a rozpo\u010dtu.<\/li>\n\n\n\n<li><strong>Pravideln\u00e9 prehodnocovanie:<\/strong> Aj po konsolid\u00e1cii sledujte trh a svoje mo\u017enosti. Podmienky sa m\u00f4\u017eu \u010dasom zmeni\u0165 a m\u00f4\u017eete n\u00e1js\u0165 e\u0161te v\u00fdhodnej\u0161ie rie\u0161enie.<\/li>\n<\/ol>\n\n\n\n<p>Pam\u00e4tajte, \u017ee konsolid\u00e1cia \u00faverov nie je z\u00e1zra\u010dn\u00fdm rie\u0161en\u00edm v\u0161etk\u00fdch finan\u010dn\u00fdch probl\u00e9mov, ale m\u00f4\u017ee by\u0165 \u00fa\u010dinn\u00fdm n\u00e1strojom v ruk\u00e1ch informovan\u00e9ho a disciplinovan\u00e9ho dl\u017en\u00edka. S spr\u00e1vnym pr\u00edstupom a pl\u00e1novan\u00edm m\u00f4\u017ee konsolid\u00e1cia \u00faverov v roku 2024 na Slovensku prinies\u0165 v\u00fdznamn\u00e9 zlep\u0161enie va\u0161ej finan\u010dnej situ\u00e1cie a kvality \u017eivota.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Stretli ste sa niekedy s pojmom konsolid\u00e1cia? \u010co je konsolid\u00e1cia? Konsolid\u00e1cia \u00faverov je spojenie viacer\u00fdch p\u00f4\u017ei\u010diek alebo \u00faverov do jedn\u00e9ho\u2026 <\/p>\n","protected":false},"author":87,"featured_media":1807,"parent":2,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[1107],"tags":[],"_links":{"self":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/11074"}],"collection":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/types\/page"}],"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=11074"}],"version-history":[{"count":49,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/11074\/revisions"}],"predecessor-version":[{"id":78462,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/11074\/revisions\/78462"}],"up":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/2"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media\/1807"}],"wp:attachment":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media?parent=11074"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/categories?post=11074"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/tags?post=11074"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}