{"id":14439,"date":"2020-11-01T22:08:10","date_gmt":"2020-11-01T21:08:10","guid":{"rendered":"https:\/\/financer.sk\/?page_id=14439"},"modified":"2024-09-30T14:17:15","modified_gmt":"2024-09-30T12:17:15","slug":"pozicka-pre-dochodcov","status":"publish","type":"page","link":"https:\/\/financer.sk\/pozicky\/pozicka-pre-dochodcov\/","title":{"rendered":"P\u00f4\u017ei\u010dka pre d\u00f4chodcov"},"content":{"rendered":"\n<p>Podmienky b\u00e1nk sa oproti minul\u00fd rokom podstatne l\u00ed\u0161ia a postupne zlep\u0161uj\u00fa. K\u00fdm pred \u010dasom bol pre d\u00f4chodcu probl\u00e9m zohna\u0165 p\u00f4\u017ei\u010dku za f\u00e9rov\u00e9 podmienky, dnes u\u017e to tak\u00e9 nere\u00e1lne nie je.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3>Do\u010d\u00edtate sa<\/h3>V \u010dl\u00e1nku sa pozrieme na\u00a0<strong>aktu\u00e1lne mo\u017enosti\u00a0<\/strong>p\u00f4\u017ei\u010dky pre d\u00f4chodcov, takisto na to, \u010do je pri po\u017ei\u010diavan\u00ed seniorom pre banky rozhoduj\u00faci faktor a na z\u00e1ver upozorn\u00edme na mo\u017en\u00e9 rizik\u00e1.<\/div>\n\n\n<p>Nie v\u017edy v\u0161ak situ\u00e1cia seniorom pri \u017eiadan\u00ed p\u00f4\u017ei\u010diek priala. <strong>\u00daver pre d\u00f4chodcov<\/strong> bol v minulosti \u0161peci\u00e1lnym produktom nieko\u013ek\u00fdch nebankoviek, ktor\u00e9 predstavovali\u00a0 relat\u00edvne drah\u00e9 p\u00f4\u017ei\u010dky s vy\u017eadovan\u00fdm zalo\u017een\u00edm nehnute\u013enosti. <\/p>\n\n\n\n<p>Dnes je z poh\u013eadu d\u00f4chodcov situ\u00e1cia lep\u0161ia a p\u00f4\u017ei\u010dku si vybavia s podmienkami, za ktor\u00e9 sa nesk\u00f4r nemusia hanbi\u0165. <\/p>\n\n\n\n<p>Faktorov, pre\u010do tomu tak je, existuje viacero. <\/p>\n\n\n\n<p>Deje sa tak napr\u00edklad v\u010faka faktoru <strong>zv\u00fd\u0161enej hodnoty priemern\u00e9ho veku do\u017eitia<\/strong>, \u010do m\u00e1 za n\u00e1sledok dostupnej\u0161ie p\u00f4\u017ei\u010dky aj pre seniorov, \u010dastokr\u00e1t a\u017e do veku 75 rokov.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Pika_pre_dchodcov___podmienky\">P\u00f4\u017ei\u010dka pre d\u00f4chodcov &#8211; podmienky<\/h2>\n\n\n\n<p>Tak, ako pri be\u017en\u00fdch uch\u00e1dza\u010doch o \u00faver \u010di p\u00f4\u017ei\u010dku, podstatn\u00e1 bude ur\u010dite finan\u010dn\u00fd register \u017eiadate\u013ea. To znamen\u00e1, \u017ee banka bude prihliada\u0165 na to, ak\u00e9 p\u00f4\u017ei\u010dky \u010derpal \u017eiadate\u013e v minulosti a ak\u00e1 bola jeho <strong>discipl\u00edna pri ich spl\u00e1can\u00ed<\/strong>.<\/p>\n\n\n\n<ul>\n<li>\u00daverov\u00fd register \u017eiadate\u013ea<\/li>\n\n\n\n<li>V\u00fd\u0161ka jeho d\u00f4chodku<\/li>\n\n\n\n<li>Vek \u017eiadate\u013ea<\/li>\n<\/ul>\n\n\n\n<p>\u010eal\u0161\u00edm faktorom pri posudzovan\u00ed \u017eiadate\u013ea bude pochopite\u013ene <strong>v\u00fd\u0161ka jeho d\u00f4chodku<\/strong>. Ako pr\u00edjem je v tak\u00fdchto pr\u00edpadoch akceptovan\u00fd starobn\u00fd d\u00f4chodok, ale aj invalidn\u00fd, pokia\u013e je v dosiahne v\u00fd\u0161ku, ktor\u00fa konkr\u00e9tna banka po\u017eaduje.<\/p>\n\n\n\n<p>P\u00f4\u017ei\u010dka pre d\u00f4chodcov sa nejedn\u00e1 iba poberate\u013eov starobn\u00e9ho d\u00f4chodku, no o p\u00f4zi\u010dku m\u00f4\u017eete po\u017eiada\u0165 aj v pr\u00edpade poberania v\u00fdsluhov\u00e9ho, alebo invalidn\u00e9ho d\u00f4chodku.<\/p>\n\n\n\n<p>Existuje tak aj p\u00f4\u017ei\u010dka pre invalidn\u00e9ho d\u00f4chodcu.<\/p>\n\n\n\n<p>Pri <strong>v\u00fdsluhov\u00fdch d\u00f4chodcoch<\/strong> z radov vojakov, policajtov a ostatn\u00fdch z\u00e1chrann\u00fdch zlo\u017eiek, bude situ\u00e1cia posudzovania e\u0161te priaznivej\u0161ia. <\/p>\n\n\n\n<p>Je tomu tak pr\u00e1ve z d\u00f4vodu, \u017ee \u017eiadate\u013e m\u00f4\u017ee a pov\u00e4\u010d\u0161ine aj m\u00e1 okrem poberania d\u00f4chodku e\u0161te \u010fal\u0161\u00ed pr\u00edjem. Ten sa spolu s d\u00f4chodkom <strong>zapo\u010d\u00edtava do celkov\u00e9ho pr\u00edjmu<\/strong> uch\u00e1dza\u010da o \u00faver a zvy\u0161uje tak \u0161ance na jeho z\u00edskanie.\u00a0<\/p>\n\n\n\n<p>Pozrite sa na preh\u013eadn\u00fa tabu\u013eku aktu\u00e1lne dostupn\u00fdch mo\u017enost\u00ed.<\/p>\n\n\n\n<p>Celkov\u00fa v\u00fd\u0161ku spl\u00e1tok si m\u00f4\u017eete vyr\u00e1ta\u0165 aj v na\u0161ej <a href=\"https:\/\/financer.sk\/osobne-financie\/kalkulacka\/splatkova-kalkulacka\/\" data-type=\"page\" data-id=\"829\">spl\u00e1tkovej kalkula\u010dke<\/a>.<\/p>\n\n\n<div class=\"fn_block fn-comparison-table\">                                    <h3 class=\"comparison-table__title-main\">Dostupn\u00e9 p\u00f4\u017ei\u010dky pre d\u00f4chodcov<\/h3>\n                                            <div class=\"comparison-table__binder\">\n                <div class=\"comparison-table__dots is-hidden-tablet\">\n                    <div class=\"comparison-table__dot comparison-table__dot--big\"><\/div>\n                    <div class=\"comparison-table__dot\"><\/div>\n                    <div class=\"comparison-table__dot\"><\/div>\n                <\/div>\n                <div class=\"comparison-table__relative is-content\">\n                    <div class=\"comparison-table__scroll is-content\">\n                        <table class=\"comparison-table is-content\" js-data-comparison-table=\"\"\n                               js-data-affiliate-on-top=\"false\">\n                            <thead>\n                                <tr>\n                                    <th>\n                                        <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                            Spolo\u010dnos\u0165                                        <\/span>\n                                    <\/th>\n                                    \n                                    <th> <span data-sorting=\"manual-data-point-1\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Splatnos\u0165\">\n                    Splatnos\u0165<\/span><\/th><th> <span data-sorting=\"manual-data-point-2\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Minim\u00e1lny pr\u00edjem\">\n                    Minim\u00e1lny pr\u00edjem<\/span><\/th><th> <span data-sorting=\"manual-data-point-3\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"V\u00fd\u0161ka \u00faveru\">\n                    V\u00fd\u0161ka \u00faveru<\/span><\/th>                                    <th>\n                                        <span data-sorting=\"affiliate\" class=\"comparison-table__title comparison-table__title--button\">\n                                                                                    <\/span>\n                                    <\/th>\n                                <\/tr>\n                            <\/thead>\n                            <tbody>\n                                <tr class=\"comparison-table__row\" data-rep-example=\"Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 12 100 \u20ac s \u00farokovou sadzbou 5,90 % ro\u010dne, dobou splatnosti 78 mesiacov s poplatkom za poistenie k \u00faveru vo v\u00fd\u0161ke 12,16 \u20ac predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 8,28% pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 199,31 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 15 546,18 \u20ac.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Slovensk\u00e1 sporite\u013e\u0148a\"\n                data-product-id=\"1322\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1322\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/slsp\/redirect\/\">\n                    <img decoding=\"async\" title=\"Slovensk\u00e1 sporite\u013e\u0148a\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/09\/slovenska-sporitelna-logo.png\" alt=\"Slovensk\u00e1 sporite\u013e\u0148a\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"do 65 rokov\">\n                        <span class=\"comparison-table__text\">do 65 rokov<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"individu\u00e1lne\">\n                        <span class=\"comparison-table__text\">individu\u00e1lne<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"do 25 000 \u20ac\">\n                        <span class=\"comparison-table__text\">do 25 000 \u20ac<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/slsp\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1322\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr><tr class=\"comparison-table__row--comparison\"><td data-representative-col=\"true\"  colspan=\"6\"><span>Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 12 100 \u20ac s \u00farokovou sadzbou 5,90 % ro\u010dne, dobou splatnosti 78 mesiacov s poplatkom za poistenie k \u00faveru vo v\u00fd\u0161ke 12,16 \u20ac predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 8,28% pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 199,31 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 15 546,18 \u20ac.<\/span><\/td><\/tr><tr class=\"comparison-table__row\" data-rep-example=\"Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 6 000 \u20ac s \u00farokovou sadzbou 8,06 % ro\u010dne, dobou splatnosti 96 mesiacov, predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 8,97 % pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 85,00 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 8280,00 \u20ac.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"V\u00daB Banka\"\n                data-product-id=\"1399\">\n                <span class=\"search-card__featured\">Odpor\u00fa\u010dan\u00e9<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1399\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/vub\/redirect\/\">\n                    <img decoding=\"async\" title=\"V\u00daB Banka\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/10\/vub_banka_logo.png\" alt=\"V\u00daB Banka\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"do 68 rokov\">\n                        <span class=\"comparison-table__text\">do 68 rokov<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"individu\u00e1lne\">\n                        <span class=\"comparison-table__text\">individu\u00e1lne<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"indivindu\u00e1lne\">\n                        <span class=\"comparison-table__text\">indivindu\u00e1lne<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/vub\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1399\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr><tr class=\"comparison-table__row--comparison\"><td data-representative-col=\"true\"  colspan=\"6\"><span>Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 6 000 \u20ac s \u00farokovou sadzbou 8,06 % ro\u010dne, dobou splatnosti 96 mesiacov, predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 8,97 % pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 85,00 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 8280,00 \u20ac.<\/span><\/td><\/tr><tr class=\"comparison-table__row\" data-rep-example=\"Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 5 000 \u20ac s \u00farokovou sadzbou 6,90 % ro\u010dne, dobou splatnosti 96 mesiacov, predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 9,75 % pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 67,92 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 7 116,00 \u20ac.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"\u010cSOB\"\n                data-product-id=\"2593\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"2593\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/csob\/redirect\/\">\n                    <img decoding=\"async\" title=\"\u010cSOB\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/01\/csob.png\" alt=\"\u010cSOB\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"do 65 rokov\">\n                        <span class=\"comparison-table__text\">do 65 rokov<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"individu\u00e1lne\">\n                        <span class=\"comparison-table__text\">individu\u00e1lne<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"individu\u00e1lne\">\n                        <span class=\"comparison-table__text\">individu\u00e1lne<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/csob\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"2593\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr><tr class=\"comparison-table__row--comparison\"><td data-representative-col=\"true\"  colspan=\"6\"><span>Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 5 000 \u20ac s \u00farokovou sadzbou 6,90 % ro\u010dne, dobou splatnosti 96 mesiacov, predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 9,75 % pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 67,92 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 7 116,00 \u20ac.<\/span><\/td><\/tr><tr class=\"comparison-table__row\" data-rep-example=\"Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 4 000 \u20ac s \u00farokovou sadzbou 5,90 % ro\u010dne, dobou splatnosti 84 mesiacov s mesa\u010dn\u00fdm poistn\u00fdm 1,11 \u20ac, predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 6,76% pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 58,40 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 4998,84 \u20ac.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Tatra banka\"\n                data-product-id=\"2066\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"2066\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/tatra-banka\/redirect\/\">\n                    <img decoding=\"async\" title=\"Tatra banka\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/10\/tatra_banka_blue.jpg\" alt=\"Tatra banka\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"do 65 rokov\">\n                        <span class=\"comparison-table__text\">do 65 rokov<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"minim\u00e1lne 350 \u20ac\">\n                        <span class=\"comparison-table__text\">minim\u00e1lne 350 \u20ac<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"individu\u00e1lne\">\n                        <span class=\"comparison-table__text\">individu\u00e1lne<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/tatra-banka\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"2066\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr><tr class=\"comparison-table__row--comparison\"><td data-representative-col=\"true\"  colspan=\"6\"><span>Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 4 000 \u20ac s \u00farokovou sadzbou 5,90 % ro\u010dne, dobou splatnosti 84 mesiacov s mesa\u010dn\u00fdm poistn\u00fdm 1,11 \u20ac, predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 6,76% pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 58,40 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 4998,84 \u20ac.<\/span><\/td><\/tr><tr class=\"comparison-table__row\" data-rep-example=\"Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 5 000 \u20ac s \u00farokovou sadzbou 6,50 % ro\u010dne, dobou splatnosti 96 mesiacov s poplatkom za poskytnutie \u00faveru vo v\u00fd\u0161ke 100 \u20ac predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 7,30 % pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 66,78 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 6 554,58 \u20ac.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Po\u0161tov\u00e1 banka\"\n                data-product-id=\"642\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"642\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/postova-banka\/redirect\/\">\n                    <img decoding=\"async\" title=\"Po\u0161tov\u00e1 banka\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/08\/oranz-postova-banka-logo-4xmin_velkost-rgb.png\" alt=\"Po\u0161tov\u00e1 banka\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"do 69 rokov\">\n                        <span class=\"comparison-table__text\">do 69 rokov<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"minim\u00e1lne 133 \u20ac\">\n                        <span class=\"comparison-table__text\">minim\u00e1lne 133 \u20ac<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"do 5000 \u20ac\">\n                        <span class=\"comparison-table__text\">do 5000 \u20ac<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/postova-banka\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"642\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr><tr class=\"comparison-table__row--comparison\"><td data-representative-col=\"true\"  colspan=\"6\"><span>Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 5 000 \u20ac s \u00farokovou sadzbou 6,50 % ro\u010dne, dobou splatnosti 96 mesiacov s poplatkom za poskytnutie \u00faveru vo v\u00fd\u0161ke 100 \u20ac predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 7,30 % pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 66,78 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 6 554,58 \u20ac.<\/span><\/td><\/tr><tr class=\"comparison-table__row\" data-rep-example=\"Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 900 \u20ac s \u00farokovou sadzbou 17,88% ro\u010dne, dobou splatnosti 12 mesiacov predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 19,42% pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 82,46 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 989,52 \u20ac.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Cetelem\"\n                data-product-id=\"387\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"387\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/cetelem\/redirect\/\">\n                    <img decoding=\"async\" title=\"Cetelem\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/07\/cetelem-new-logo.png\" alt=\"Cetelem\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"do 75 rokov\">\n                        <span class=\"comparison-table__text\">do 75 rokov<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"individu\u00e1lne\">\n                        <span class=\"comparison-table__text\">individu\u00e1lne<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"individu\u00e1lne\">\n                        <span class=\"comparison-table__text\">individu\u00e1lne<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/cetelem\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"387\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr><tr class=\"comparison-table__row--comparison\"><td data-representative-col=\"true\"  colspan=\"6\"><span>Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 900 \u20ac s \u00farokovou sadzbou 17,88% ro\u010dne, dobou splatnosti 12 mesiacov predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 19,42% pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 82,46 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 989,52 \u20ac.<\/span><\/td><\/tr><tr class=\"comparison-table__row\" data-rep-example=\"Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 2000 \u20ac s \u00farokovou sadzbou 9,53% ro\u010dne, dobou splatnosti 96 mesiacov, predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 10,11% pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 30 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 2880 \u20ac.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Raiffeisen\"\n                data-product-id=\"2588\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"2588\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/raiffeisen\/redirect\/\">\n                    <img decoding=\"async\" title=\"Raiffeisen\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/01\/raiffeisen.jpg\" alt=\"Raiffeisen\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"do 70 rokov\">\n                        <span class=\"comparison-table__text\">do 70 rokov<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"individu\u00e1lne\">\n                        <span class=\"comparison-table__text\">individu\u00e1lne<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"do 5000 \u20ac\">\n                        <span class=\"comparison-table__text\">do 5000 \u20ac<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/raiffeisen\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"2588\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr><tr class=\"comparison-table__row--comparison\"><td data-representative-col=\"true\"  colspan=\"6\"><span>Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 2000 \u20ac s \u00farokovou sadzbou 9,53% ro\u010dne, dobou splatnosti 96 mesiacov, predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 10,11% pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 30 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 2880 \u20ac.<\/span><\/td><\/tr>                            <\/tbody>\n                        <\/table>\n                    <\/div>\n                                            <table class=\"comparison-table comparison-table--content-logo is-hidden-mobile\">\n                            <thead>\n                                <tr>\n                                    <th>\n                                        <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                            Spolo\u010dnos\u0165                                        <\/span>\n                                    <\/th>\n                                <\/tr>\n                            <\/thead>\n                            <tbody>\n                                <tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Slovensk\u00e1 sporite\u013e\u0148a\"\n                data-product-id=\"1322\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1322\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/slsp\/redirect\/\">\n                    <img decoding=\"async\" title=\"Slovensk\u00e1 sporite\u013e\u0148a\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/09\/slovenska-sporitelna-logo.png\" alt=\"Slovensk\u00e1 sporite\u013e\u0148a\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"V\u00daB Banka\"\n                data-product-id=\"1399\">\n                <span class=\"search-card__featured\">Odpor\u00fa\u010dan\u00e9<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1399\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/vub\/redirect\/\">\n                    <img decoding=\"async\" title=\"V\u00daB Banka\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/10\/vub_banka_logo.png\" alt=\"V\u00daB Banka\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"\u010cSOB\"\n                data-product-id=\"2593\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"2593\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/csob\/redirect\/\">\n                    <img decoding=\"async\" title=\"\u010cSOB\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/01\/csob.png\" alt=\"\u010cSOB\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Tatra banka\"\n                data-product-id=\"2066\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"2066\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/tatra-banka\/redirect\/\">\n                    <img decoding=\"async\" title=\"Tatra banka\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/10\/tatra_banka_blue.jpg\" alt=\"Tatra banka\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Po\u0161tov\u00e1 banka\"\n                data-product-id=\"642\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"642\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/postova-banka\/redirect\/\">\n                    <img decoding=\"async\" title=\"Po\u0161tov\u00e1 banka\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/08\/oranz-postova-banka-logo-4xmin_velkost-rgb.png\" alt=\"Po\u0161tov\u00e1 banka\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Cetelem\"\n                data-product-id=\"387\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"387\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/cetelem\/redirect\/\">\n                    <img decoding=\"async\" title=\"Cetelem\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/07\/cetelem-new-logo.png\" alt=\"Cetelem\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Raiffeisen\"\n                data-product-id=\"2588\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"2588\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/raiffeisen\/redirect\/\">\n                    <img decoding=\"async\" title=\"Raiffeisen\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/01\/raiffeisen.jpg\" alt=\"Raiffeisen\">\n                <\/a><\/td><\/tr>                            <\/tbody>\n                        <\/table>\n                        <table class=\"comparison-table comparison-table--content-button is-hidden-mobile\">\n                            <thead>\n                                <tr>\n                                    <th>\u017diados\u0165<\/th>\n                                <\/tr>\n                            <\/thead>\n                            <tbody>\n                                <tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/slsp\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1322\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/vub\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1399\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/csob\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"2593\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/tatra-banka\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"2066\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/postova-banka\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"642\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/cetelem\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"387\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/raiffeisen\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"2588\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr>                            <\/tbody>\n                        <\/table>\n                                        <table class=\"comparison-table comparison-table--mobile is-content is-hidden-tablet\"\n                           js-data-comparison-table=\"\" js-data-affiliate-on-top=\"false\">\n                        <thead>\n                            <tr>\n                                <th style=\"width: 125px\">\n                                    <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                        Spolo\u010dnos\u0165                                    <\/span>\n                                <\/th>\n                                <th>\n                                    <span data-sorting=\"rating\" data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                        Celkov\u00e9 hodnotenie                                    <\/span>\n                                <\/th>\n                                <th> <span data-sorting=\"manual-data-point-1\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Splatnos\u0165\">\n                    Splatnos\u0165<\/span><\/th><th> <span data-sorting=\"manual-data-point-2\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Minim\u00e1lny pr\u00edjem\">\n                    Minim\u00e1lny pr\u00edjem<\/span><\/th><th> <span data-sorting=\"manual-data-point-3\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"V\u00fd\u0161ka \u00faveru\">\n                    V\u00fd\u0161ka \u00faveru<\/span><\/th>                                <th>\u017diados\u0165                                <\/th>\n                            <\/tr>\n                        <\/thead>\n                        <tbody>\n                            <tr class=\"comparison-table__row\" data-rep-example=\"Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 12 100 \u20ac s \u00farokovou sadzbou 5,90 % ro\u010dne, dobou splatnosti 78 mesiacov s poplatkom za poistenie k \u00faveru vo v\u00fd\u0161ke 12,16 \u20ac predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 8,28% pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 199,31 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 15 546,18 \u20ac.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Slovensk\u00e1 sporite\u013e\u0148a\"\n                data-product-id=\"1322\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1322\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/slsp\/redirect\/\">\n                    <img decoding=\"async\" title=\"Slovensk\u00e1 sporite\u013e\u0148a\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/09\/slovenska-sporitelna-logo.png\" alt=\"Slovensk\u00e1 sporite\u013e\u0148a\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"do 65 rokov\">\n                        <span class=\"comparison-table__text\">do 65 rokov<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"individu\u00e1lne\">\n                        <span class=\"comparison-table__text\">individu\u00e1lne<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"do 25 000 \u20ac\">\n                        <span class=\"comparison-table__text\">do 25 000 \u20ac<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/slsp\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1322\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr><tr class=\"comparison-table__row--comparison\"><td data-representative-col=\"true\"  colspan=\"6\"><span>Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 12 100 \u20ac s \u00farokovou sadzbou 5,90 % ro\u010dne, dobou splatnosti 78 mesiacov s poplatkom za poistenie k \u00faveru vo v\u00fd\u0161ke 12,16 \u20ac predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 8,28% pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 199,31 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 15 546,18 \u20ac.<\/span><\/td><\/tr><tr class=\"comparison-table__row\" data-rep-example=\"Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 6 000 \u20ac s \u00farokovou sadzbou 8,06 % ro\u010dne, dobou splatnosti 96 mesiacov, predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 8,97 % pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 85,00 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 8280,00 \u20ac.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"V\u00daB Banka\"\n                data-product-id=\"1399\">\n                <span class=\"search-card__featured\">Odpor\u00fa\u010dan\u00e9<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1399\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/vub\/redirect\/\">\n                    <img decoding=\"async\" title=\"V\u00daB Banka\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/10\/vub_banka_logo.png\" alt=\"V\u00daB Banka\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"do 68 rokov\">\n                        <span class=\"comparison-table__text\">do 68 rokov<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"individu\u00e1lne\">\n                        <span class=\"comparison-table__text\">individu\u00e1lne<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"indivindu\u00e1lne\">\n                        <span class=\"comparison-table__text\">indivindu\u00e1lne<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/vub\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1399\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr><tr class=\"comparison-table__row--comparison\"><td data-representative-col=\"true\"  colspan=\"6\"><span>Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 6 000 \u20ac s \u00farokovou sadzbou 8,06 % ro\u010dne, dobou splatnosti 96 mesiacov, predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 8,97 % pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 85,00 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 8280,00 \u20ac.<\/span><\/td><\/tr><tr class=\"comparison-table__row\" data-rep-example=\"Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 5 000 \u20ac s \u00farokovou sadzbou 6,90 % ro\u010dne, dobou splatnosti 96 mesiacov, predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 9,75 % pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 67,92 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 7 116,00 \u20ac.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"\u010cSOB\"\n                data-product-id=\"2593\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"2593\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/csob\/redirect\/\">\n                    <img decoding=\"async\" title=\"\u010cSOB\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/01\/csob.png\" alt=\"\u010cSOB\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"do 65 rokov\">\n                        <span class=\"comparison-table__text\">do 65 rokov<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"individu\u00e1lne\">\n                        <span class=\"comparison-table__text\">individu\u00e1lne<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"individu\u00e1lne\">\n                        <span class=\"comparison-table__text\">individu\u00e1lne<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/csob\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"2593\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr><tr class=\"comparison-table__row--comparison\"><td data-representative-col=\"true\"  colspan=\"6\"><span>Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 5 000 \u20ac s \u00farokovou sadzbou 6,90 % ro\u010dne, dobou splatnosti 96 mesiacov, predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 9,75 % pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 67,92 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 7 116,00 \u20ac.<\/span><\/td><\/tr><tr class=\"comparison-table__row\" data-rep-example=\"Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 4 000 \u20ac s \u00farokovou sadzbou 5,90 % ro\u010dne, dobou splatnosti 84 mesiacov s mesa\u010dn\u00fdm poistn\u00fdm 1,11 \u20ac, predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 6,76% pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 58,40 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 4998,84 \u20ac.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Tatra banka\"\n                data-product-id=\"2066\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"2066\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/tatra-banka\/redirect\/\">\n                    <img decoding=\"async\" title=\"Tatra banka\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/10\/tatra_banka_blue.jpg\" alt=\"Tatra banka\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"do 65 rokov\">\n                        <span class=\"comparison-table__text\">do 65 rokov<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"minim\u00e1lne 350 \u20ac\">\n                        <span class=\"comparison-table__text\">minim\u00e1lne 350 \u20ac<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"individu\u00e1lne\">\n                        <span class=\"comparison-table__text\">individu\u00e1lne<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/tatra-banka\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"2066\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr><tr class=\"comparison-table__row--comparison\"><td data-representative-col=\"true\"  colspan=\"6\"><span>Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 4 000 \u20ac s \u00farokovou sadzbou 5,90 % ro\u010dne, dobou splatnosti 84 mesiacov s mesa\u010dn\u00fdm poistn\u00fdm 1,11 \u20ac, predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 6,76% pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 58,40 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 4998,84 \u20ac.<\/span><\/td><\/tr><tr class=\"comparison-table__row\" data-rep-example=\"Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 5 000 \u20ac s \u00farokovou sadzbou 6,50 % ro\u010dne, dobou splatnosti 96 mesiacov s poplatkom za poskytnutie \u00faveru vo v\u00fd\u0161ke 100 \u20ac predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 7,30 % pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 66,78 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 6 554,58 \u20ac.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Po\u0161tov\u00e1 banka\"\n                data-product-id=\"642\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"642\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/postova-banka\/redirect\/\">\n                    <img decoding=\"async\" title=\"Po\u0161tov\u00e1 banka\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/08\/oranz-postova-banka-logo-4xmin_velkost-rgb.png\" alt=\"Po\u0161tov\u00e1 banka\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"do 69 rokov\">\n                        <span class=\"comparison-table__text\">do 69 rokov<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"minim\u00e1lne 133 \u20ac\">\n                        <span class=\"comparison-table__text\">minim\u00e1lne 133 \u20ac<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"do 5000 \u20ac\">\n                        <span class=\"comparison-table__text\">do 5000 \u20ac<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/postova-banka\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"642\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr><tr class=\"comparison-table__row--comparison\"><td data-representative-col=\"true\"  colspan=\"6\"><span>Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 5 000 \u20ac s \u00farokovou sadzbou 6,50 % ro\u010dne, dobou splatnosti 96 mesiacov s poplatkom za poskytnutie \u00faveru vo v\u00fd\u0161ke 100 \u20ac predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 7,30 % pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 66,78 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 6 554,58 \u20ac.<\/span><\/td><\/tr><tr class=\"comparison-table__row\" data-rep-example=\"Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 900 \u20ac s \u00farokovou sadzbou 17,88% ro\u010dne, dobou splatnosti 12 mesiacov predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 19,42% pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 82,46 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 989,52 \u20ac.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Cetelem\"\n                data-product-id=\"387\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"387\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/cetelem\/redirect\/\">\n                    <img decoding=\"async\" title=\"Cetelem\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/07\/cetelem-new-logo.png\" alt=\"Cetelem\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"do 75 rokov\">\n                        <span class=\"comparison-table__text\">do 75 rokov<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"individu\u00e1lne\">\n                        <span class=\"comparison-table__text\">individu\u00e1lne<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"individu\u00e1lne\">\n                        <span class=\"comparison-table__text\">individu\u00e1lne<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/cetelem\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"387\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr><tr class=\"comparison-table__row--comparison\"><td data-representative-col=\"true\"  colspan=\"6\"><span>Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 900 \u20ac s \u00farokovou sadzbou 17,88% ro\u010dne, dobou splatnosti 12 mesiacov predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 19,42% pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 82,46 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 989,52 \u20ac.<\/span><\/td><\/tr><tr class=\"comparison-table__row\" data-rep-example=\"Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 2000 \u20ac s \u00farokovou sadzbou 9,53% ro\u010dne, dobou splatnosti 96 mesiacov, predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 10,11% pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 30 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 2880 \u20ac.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Raiffeisen\"\n                data-product-id=\"2588\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"2588\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/raiffeisen\/redirect\/\">\n                    <img decoding=\"async\" title=\"Raiffeisen\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/01\/raiffeisen.jpg\" alt=\"Raiffeisen\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"do 70 rokov\">\n                        <span class=\"comparison-table__text\">do 70 rokov<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"individu\u00e1lne\">\n                        <span class=\"comparison-table__text\">individu\u00e1lne<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"do 5000 \u20ac\">\n                        <span class=\"comparison-table__text\">do 5000 \u20ac<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/raiffeisen\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"2588\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            Zobrazi\u0165 ponuku<\/a><\/td><\/tr><tr class=\"comparison-table__row--comparison\"><td data-representative-col=\"true\"  colspan=\"6\"><span>Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 2000 \u20ac s \u00farokovou sadzbou 9,53% ro\u010dne, dobou splatnosti 96 mesiacov, predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 10,11% pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 30 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 2880 \u20ac.<\/span><\/td><\/tr>                        <\/tbody>\n                    <\/table>\n                <\/div>\n            <\/div>\n\n        <\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Poiia_banka_aj_nebankovka\">Po\u017ei\u010dia banka aj nebankovka<\/h2>\n\n\n\n<p>Situ\u00e1cia je dnes pre d\u00f4chodcov naozaj podstatne lep\u0161ia, ako tomu bolo pred p\u00e1r rokmi. Dostupn\u00e1 p\u00f4\u017ei\u010dka pre d\u00f4chodcov sa n\u00e1jde aj v banke, aj v nebankovej spolo\u010dnosti.<\/p>\n\n\n\n<p>Po\u017ei\u010daniu finan\u010dn\u00fdch prostriedkov vekovo star\u0161ej skupine obyvate\u013eov sa postupne <strong>otvorili viacer\u00e9 bankov\u00e9 spolo\u010dnosti<\/strong> a preto m\u00f4\u017eu poberatelia d\u00f4chodku uspie\u0165 rovno vo viacer\u00fdch in\u0161tit\u00faci\u00e1ch. <\/p>\n\n\n\n<p>Vekov\u00e1 hranica pri \u017eiadan\u00ed o p\u00f4\u017ei\u010dku \u010di \u00faver sa vo v\u00e4\u010d\u0161ine pr\u00edpadov pohybuje<strong> v maxim\u00e1lnej hranici do 75 rokov<\/strong>. <\/p>\n\n\n\n<p>V niektor\u00fdch bank\u00e1ch sa m\u00f4\u017eeme stretn\u00fa\u0165 s hranicou 69 rokov, v ka\u017edom pr\u00edpade v\u0161ak plat\u00ed, \u017ee poberate\u013e d\u00f4chodku \u017eiadaj\u00faci o p\u00f4\u017ei\u010dku, bude posudzovan\u00fd individu\u00e1lne na z\u00e1klade jeho konkr\u00e9tnej situ\u00e1cie.<\/p>\n\n\n\n<p>Nebankov\u00e9 spolo\u010dnosti d\u00f4chodcom poskytn\u00fa <strong>aj \u00favery vo vy\u0161\u0161\u00edch sum\u00e1ch<\/strong>, pri\u010dom pre nich platia rovnak\u00e9 podmienky, ako pre \u013eud\u00ed pracuj\u00facich na trval\u00fd pracovn\u00fd pomer.<\/p>\n\n\n\n<p>\u017diada\u0165 o \u00faver m\u00f4\u017eu d\u00f4chodcovia okrem bankov\u00fdch in\u0161tit\u00faci\u00ed, aj v t\u00fdch nebankov\u00fdch. Pri nebankovk\u00e1ch sa jedn\u00e1 preva\u017ene o <a href=\"https:\/\/financer.sk\/pozicky\/rychla-pozicka\/\" data-type=\"page\" data-id=\"429\">kr\u00e1tkodob\u00e9 p\u00f4\u017ei\u010dky<\/a>, ktor\u00e9 s\u00fa \u010dastokr\u00e1t schv\u00e1len\u00e9 bez \u010fal\u0161ieho sk\u00famania finan\u010dnej situ\u00e1cie \u017eiadate\u013ea. <\/p>\n\n\n\n<p>Pr\u00e1ve tak\u00e9to \u00favery v\u0161ak disponuj\u00fa vysokou \u00farokovou sadzbou a p\u00f4\u017ei\u010dku tak pri spl\u00e1can\u00ed preplat\u00edte. <\/p>\n\n\n\n<p>Z\u00edska\u0165 ich je mo\u017en\u00e9 dokonca aj <strong>cez internet<\/strong> a <a href=\"https:\/\/financer.sk\/pozicky\/pozicka-online\/\">online<\/a> p\u00f4\u017ei\u010dkou tak \u017eiadatelia u\u0161etria cestu na fyzick\u00fa pobo\u010dku, \u010do sa m\u00f4\u017ee hodi\u0165 pr\u00e1ve v dobe plnej koronav\u00edrusov\u00fdch opatren\u00ed.<\/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=\"Ako_funguje_porovnanie_piiek_pre_dchodcov_na_Financersk\">Ako funguje porovnanie p\u00f4\u017ei\u010diek pre d\u00f4chodcov na Financer.sk?<\/h2>\n\n\n\n<ol>\n<li>Zadajte v\u00fd\u0161ku p\u00f4\u017ei\u010dky: Zvo\u013ete sumu, ktor\u00fa potrebujete po\u017ei\u010da\u0165.<\/li>\n\n\n\n<li>Porovnajte jednotliv\u00e9 mo\u017enosti: Prezrite si \u00farokov\u00e9 sadzby a podmienky r\u00f4znych p\u00f4\u017ei\u010diek.<\/li>\n\n\n\n<li>Vyberte si t\u00fa najlep\u0161iu ponuku: Zvo\u013ete p\u00f4\u017ei\u010dku, ktor\u00e1 najlep\u0161ie vyhovuje va\u0161im potreb\u00e1m.<\/li>\n\n\n\n<li>Z\u00edskajte p\u00f4\u017ei\u010dku r\u00fdchlo: Vypl\u0148te online \u017eiados\u0165 a po schv\u00e1len\u00ed m\u00f4\u017eete ma\u0165 peniaze na \u00fa\u010dte u\u017e do nieko\u013ek\u00fdch hod\u00edn.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Pika_pre_dchodcov_v_roku_fn_date_formatY_o_sa_zmenilo\">P\u00f4\u017ei\u010dka pre d\u00f4chodcov v roku 2024: \u010co sa zmenilo?<\/h2>\n\n\n\n<p>V posledn\u00fdch rokoch sa situ\u00e1cia pre d\u00f4chodcov v\u00fdrazne zlep\u0161ila. Banky a finan\u010dn\u00e9 in\u0161tit\u00facie pon\u00fakaj\u00fa \u0161ir\u0161iu \u0161k\u00e1lu produktov prisp\u00f4soben\u00fdch potreb\u00e1m seniorov. Tu s\u00fa k\u013e\u00fa\u010dov\u00e9 zmeny a inform\u00e1cie:<\/p>\n\n\n\n<ul>\n<li>Vy\u0161\u0161ia vekov\u00e1 hranica: Mnoh\u00e9 banky teraz poskytuj\u00fa p\u00f4\u017ei\u010dky d\u00f4chodcom a\u017e do veku 75 rokov.<\/li>\n\n\n\n<li>Flexibilnej\u0161ie podmienky: D\u00f4chodcovia m\u00f4\u017eu z\u00edska\u0165 p\u00f4\u017ei\u010dky bez nutnosti ru\u010denia nehnute\u013enos\u0165ou.<\/li>\n\n\n\n<li>\u0160ir\u0161ia ponuka: K dispoz\u00edcii s\u00fa bankov\u00e9 aj nebankov\u00e9 p\u00f4\u017ei\u010dky s r\u00f4znymi podmienkami.<\/li>\n\n\n\n<li>Online dostupnos\u0165: Mnoho p\u00f4\u017ei\u010diek je mo\u017en\u00e9 vybavi\u0165 kompletne online, \u010do je v\u00fdhodn\u00e9 najm\u00e4 pre menej mobiln\u00fdch seniorov.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Nov_dchodkov_dvky_a_ich_vplyv_na_piky\">Nov\u00e9 d\u00f4chodkov\u00e9 d\u00e1vky a ich vplyv na p\u00f4\u017ei\u010dky<\/h2>\n\n\n\n<p>Od december 2024 sa zav\u00e1dza nov\u00fd 13. d\u00f4chodok, ktor\u00fd m\u00f4\u017ee pozit\u00edvne ovplyvni\u0165 finan\u010dn\u00fa situ\u00e1ciu seniorov:<\/p>\n\n\n\n<ul>\n<li>13. d\u00f4chodok bude vypl\u00e1can\u00fd v decembri 2024.<\/li>\n\n\n\n<li>Suma sa bude pohybova\u0165 od 300 \u20ac do v\u00fd\u0161ky priemern\u00e9ho mesa\u010dn\u00e9ho starobn\u00e9ho d\u00f4chodku.<\/li>\n\n\n\n<li>T\u00e1to dodato\u010dn\u00e1 d\u00e1vka m\u00f4\u017ee zlep\u0161i\u0165 bonitu d\u00f4chodcov pri \u017eiadosti o p\u00f4\u017ei\u010dku.<\/li>\n<\/ul>\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_piky_pre_dchodcov\">Podmienky p\u00f4\u017ei\u010dky pre d\u00f4chodcov<\/h2>\n\n\n\n<p>Pri posudzovan\u00ed \u017eiadosti o p\u00f4\u017ei\u010dku pre d\u00f4chodcov sa zoh\u013ead\u0148uj\u00fa tieto faktory:<\/p>\n\n\n\n<ul>\n<li>\u00daverov\u00fd register \u017eiadate\u013ea<\/li>\n\n\n\n<li>V\u00fd\u0161ka d\u00f4chodku (minim\u00e1lne 133 \u20ac mesa\u010dne)<\/li>\n\n\n\n<li>Vek \u017eiadate\u013ea (v\u00e4\u010d\u0161inou do 75 rokov)<\/li>\n\n\n\n<li>Trval\u00fd pobyt na \u00fazem\u00ed Slovenskej republiky<\/li>\n<\/ul>\n\n\n\n<p>Okrem starobn\u00e9ho d\u00f4chodku sa akceptuj\u00fa aj invalidn\u00fd a v\u00fdsluhov\u00fd d\u00f4chodok. V niektor\u00fdch pr\u00edpadoch m\u00f4\u017ee by\u0165 zapo\u010d\u00edtan\u00fd aj vdovsk\u00fd d\u00f4chodok.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Typy_piiek_dostupnch_pre_dchodcov\">Typy p\u00f4\u017ei\u010diek dostupn\u00fdch pre d\u00f4chodcov<\/h2>\n\n\n\n<p>D\u00f4chodcovia maj\u00fa na v\u00fdber z r\u00f4znych typov p\u00f4\u017ei\u010diek:<\/p>\n\n\n\n<ul>\n<li>Bankov\u00e9 p\u00f4\u017ei\u010dky: Pon\u00fakaj\u00fa ni\u017e\u0161ie \u00farokov\u00e9 sadzby, ale m\u00f4\u017eu ma\u0165 pr\u00edsnej\u0161ie podmienky.<\/li>\n\n\n\n<li>Nebankov\u00e9 p\u00f4\u017ei\u010dky: \u010casto r\u00fdchlej\u0161ie schv\u00e1lenie, ale s vy\u0161\u0161\u00edmi \u00farokmi.<\/li>\n\n\n\n<li>Kr\u00e1tkodob\u00e9 p\u00f4\u017ei\u010dky: Ide\u00e1lne pre men\u0161ie sumy a kr\u00e1tkodob\u00e9 potreby.<\/li>\n\n\n\n<li>Dlhodob\u00e9 \u00favery: Pre v\u00e4\u010d\u0161ie invest\u00edcie s dlh\u0161ou dobou spl\u00e1cania.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Na_o_si_da_pozor_pri_vbere_piky\">Na \u010do si da\u0165 pozor pri v\u00fdbere p\u00f4\u017ei\u010dky<\/h2>\n\n\n\n<ul>\n<li>RPMN (Ro\u010dn\u00e1 percentu\u00e1lna miera n\u00e1kladov): Porovnajte celkov\u00e9 n\u00e1klady na p\u00f4\u017ei\u010dku.<\/li>\n\n\n\n<li>Doba spl\u00e1cania: Zvo\u013ete tak\u00fa, ktor\u00e1 v\u00e1m umo\u017en\u00ed pohodln\u00e9 spl\u00e1canie.<\/li>\n\n\n\n<li>Poplatky: Pozor na skryt\u00e9 poplatky za spr\u00e1vu \u00faveru alebo pred\u010dasn\u00e9 splatenie.<\/li>\n\n\n\n<li>Flexibilita: Mo\u017enos\u0165 upravi\u0165 spl\u00e1tky alebo pred\u010dasne splati\u0165 \u00faver bez sankci\u00ed.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Aktulne_ponuky_piiek_pre_dchodcov_fn_date_formatF_Y\">Aktu\u00e1lne ponuky p\u00f4\u017ei\u010diek pre d\u00f4chodcov (december 2024)<\/h2>\n\n\n\n<p>Tu je preh\u013ead niektor\u00fdch aktu\u00e1lnych pon\u00fak:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th><strong>Poskytovate\u013e<\/strong><\/th><th><strong>V\u00fd\u0161ka \u00faveru<\/strong><\/th><th><strong>Doba spl\u00e1cania<\/strong><\/th><th><strong>\u0160peci\u00e1lne podmienky<\/strong><\/th><\/tr><\/thead><tbody><tr><td>V\u00daB banka<\/td><td>500 \u20ac &#8211; 35 000 \u20ac<\/td><td>13 &#8211; 96 mesiacov<\/td><td>Bez dokladovania \u00fa\u010delu, peniaze ihne\u010f po schv\u00e1len\u00ed<\/td><\/tr><tr><td>Proficredit<\/td><td>500 \u20ac &#8211; 5 000 \u20ac<\/td><td>6 &#8211; 36 mesiacov<\/td><td>Online schv\u00e1lenie, peniaze do 3 hod\u00edn<\/td><\/tr><tr><td>Slovensk\u00e1 sporite\u013e\u0148a<\/td><td>300 \u20ac &#8211; 30 000 \u20ac<\/td><td>12 &#8211; 96 mesiacov<\/td><td>Mo\u017enos\u0165 po\u017ei\u010da\u0165 aj s ni\u017e\u0161\u00edm d\u00f4chodkom<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Pozn\u00e1mka: Uveden\u00e9 inform\u00e1cie s\u00fa platn\u00e9 k december 2024. Pre aktu\u00e1lne podmienky v\u017edy kontaktujte priamo poskytovate\u013ea.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Ako_zvi_ance_na_schvlenie_piky_pre_dchodcov\">Ako zv\u00fd\u0161i\u0165 \u0161ance na schv\u00e1lenie p\u00f4\u017ei\u010dky pre d\u00f4chodcov<\/h2>\n\n\n\n<ol>\n<li>Udr\u017eujte dobr\u00fa platobn\u00fa hist\u00f3riu: V\u010dasn\u00e9 spl\u00e1canie existuj\u00facich z\u00e1v\u00e4zkov zvy\u0161uje va\u0161u d\u00f4veryhodnos\u0165.<\/li>\n\n\n\n<li>Zv\u00e1\u017ete spoludl\u017en\u00edka: Mlad\u0161\u00ed rodinn\u00fd pr\u00edslu\u0161n\u00edk m\u00f4\u017ee zv\u00fd\u0161i\u0165 \u0161ance na schv\u00e1lenie a lep\u0161ie podmienky.<\/li>\n\n\n\n<li>Pripravte v\u0161etky potrebn\u00e9 doklady: Ob\u010diansky preukaz a potvrdenie o v\u00fd\u0161ke d\u00f4chodku.<\/li>\n\n\n\n<li>Po\u017eiadajte o primeran\u00fa sumu: \u017diadajte len to\u013eko, ko\u013eko skuto\u010dne potrebujete a dok\u00e1\u017eete spl\u00e1ca\u0165.<\/li>\n\n\n\n<li>Porovnajte ponuky: Vyu\u017eite n\u00e1\u0161 porovn\u00e1va\u010d na n\u00e1jdenie najv\u00fdhodnej\u0161ej ponuky.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Alternatvy_k_pikm_pre_dchodcov\">Alternat\u00edvy k p\u00f4\u017ei\u010dk\u00e1m pre d\u00f4chodcov<\/h2>\n\n\n\n<p>Pred t\u00fdm, ako sa rozhodnete pre p\u00f4\u017ei\u010dku, zv\u00e1\u017ete tieto alternat\u00edvy:<\/p>\n\n\n\n<ul>\n<li>Reverzn\u00e1 hypot\u00e9ka: Umo\u017e\u0148uje \u010derpa\u0165 hodnotu va\u0161ej nehnute\u013enosti bez nutnosti sa pres\u0165ahova\u0165.<\/li>\n\n\n\n<li>\u0160t\u00e1tne podpory a pr\u00edspevky: Informujte sa o mo\u017enostiach soci\u00e1lnej pomoci pre seniorov.<\/li>\n\n\n\n<li>Rodinn\u00e1 podpora: Ak je to mo\u017en\u00e9, zv\u00e1\u017ete finan\u010dn\u00fa pomoc od rodiny.<\/li>\n\n\n\n<li>Refinancovanie existuj\u00facich \u00faverov: M\u00f4\u017ee zn\u00ed\u017ei\u0165 va\u0161e mesa\u010dn\u00e9 spl\u00e1tky.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Zodpovedn_poiiavanie_pre_dchodcov\">Zodpovedn\u00e9 po\u017ei\u010diavanie pre d\u00f4chodcov<\/h2>\n\n\n\n<p>P\u00f4\u017ei\u010dka m\u00f4\u017ee by\u0165 u\u017eito\u010dn\u00fdm n\u00e1strojom pre zlep\u0161enie finan\u010dnej situ\u00e1cie d\u00f4chodcov, ale je d\u00f4le\u017eit\u00e9 pristupova\u0165 k nej zodpovedne. V\u017edy si d\u00f4kladne zv\u00e1\u017ete svoju schopnos\u0165 spl\u00e1ca\u0165, porovnajte r\u00f4zne ponuky a pre\u010d\u00edtajte si pozorne v\u0161etky podmienky pred podpisom zmluvy.<\/p>\n\n\n\n<p>Vyu\u017eite n\u00e1\u0161 porovn\u00e1va\u010d p\u00f4\u017ei\u010diek pre d\u00f4chodcov na Financer.sk, aby ste na\u0161li najv\u00fdhodnej\u0161iu ponuku prisp\u00f4soben\u00fa va\u0161im potreb\u00e1m. Pam\u00e4tajte, \u017ee spr\u00e1vne zvolen\u00e1 p\u00f4\u017ei\u010dka m\u00f4\u017ee v\u00fdrazne zlep\u0161i\u0165 va\u0161u finan\u010dn\u00fa situ\u00e1ciu, ale nevhodne zvolen\u00fd \u00faver m\u00f4\u017ee vies\u0165 k finan\u010dn\u00fdm \u0165a\u017ekostiam.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Podmienky b\u00e1nk sa oproti minul\u00fd rokom podstatne l\u00ed\u0161ia a postupne zlep\u0161uj\u00fa. K\u00fdm pred \u010dasom bol pre d\u00f4chodcu probl\u00e9m zohna\u0165 p\u00f4\u017ei\u010dku\u2026 <\/p>\n","protected":false},"author":87,"featured_media":79011,"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":[16],"_links":{"self":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/14439"}],"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=14439"}],"version-history":[{"count":50,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/14439\/revisions"}],"predecessor-version":[{"id":78454,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/14439\/revisions\/78454"}],"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\/79011"}],"wp:attachment":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media?parent=14439"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/categories?post=14439"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/tags?post=14439"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}