{"id":1798,"date":"2018-10-02T14:50:13","date_gmt":"2018-10-02T12:50:13","guid":{"rendered":"https:\/\/financer.sk\/?page_id=1798"},"modified":"2024-09-30T14:20:57","modified_gmt":"2024-09-30T12:20:57","slug":"refinancovanie-uveru","status":"publish","type":"page","link":"https:\/\/financer.sk\/pozicky\/refinancovanie-uveru\/","title":{"rendered":"Refinancovanie \u00faveru"},"content":{"rendered":"\n<p>Ur\u010dite budete s\u00fahlasi\u0165 ak povieme, \u017ee spl\u00e1ca\u0165 r\u00fdchlu p\u00f4\u017ei\u010dku \u010fal\u0161ou p\u00f4\u017ei\u010dkou, je ve\u013emi zl\u00e9 finan\u010dn\u00e9 rozhodnutie. Aj toto pravidlo m\u00e1 v\u0161ak svoju svetl\u00fa v\u00fdnimku, ktorou je refinancovanie \u00faverov.<\/p>\n\n\n\n<p>Prostredn\u00edctvom refinancovania dok\u00e1\u017eete u\u0161etri\u0165 dos\u0165 podstatn\u00e9 peniaze.\u00a0Po\u017ei\u010diate si s\u00edce na dlh\u00fa dobu, ale pri n\u00edzkom \u00faroku \u010dasom zaplat\u00edte omnoho menej a taktie\u017e z\u00edskate ni\u017e\u0161iu mesa\u010dn\u00fa spl\u00e1tku.<\/p>\n\n\n\n<p><strong>Refinancovanie \u00faveru<\/strong>, podobne ako\u00a0<strong>konsolid\u00e1cia \u00faveru<\/strong> s\u00fa pomerne nov\u00e9 bankov\u00e9 produkty, ktor\u00e9 klientom u\u013eah\u010duj\u00fa spl\u00e1canie star\u00fdch finan\u010dn\u00fdch z\u00e1v\u00e4zkov.<\/p>\n\n\n\n<p>Oba sp\u00f4soby predstavuj\u00fa efekt\u00edvny sp\u00f4sob, ako si zn\u00ed\u017ei\u0165 svoje mesa\u010dn\u00e9 v\u00fddavky a ich v\u00fdznam je ve\u013emi podobn\u00fd, no aj napriek tomu s\u00fa medzi nimi nepatrn\u00e9 rozdiely a je potrebn\u00e9 si hne\u010f na \u00favod vysvetli\u0165, v \u010dom sa odli\u0161uj\u00fa.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"o_to_je\">\u010co to je?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Refinancovanie_veru\">Refinancovanie \u00faveru<\/h3>\n\n\n\n<p>Refinancovanie \u00faveru predstavuje<strong> splatenie, respekt\u00edve \u00fapln\u00e9 nahradenie v\u00e1\u0161ho teraj\u0161ieho \u00faveru<\/strong> nov\u00fdm \u00faverom s v\u00fdhodnej\u0161\u00edmi podmienkami a lep\u0161\u00edm \u00farokom. V\u00e1\u0161 \u00faver alebo p\u00f4\u017ei\u010dku m\u00f4\u017eete refinancova\u0165 a vymeni\u0165 kedyko\u013evek po\u010das celej doby spl\u00e1cania. <strong>Pri refinancovan\u00ed v\u017edy men\u00edte jeden \u00faver za druh\u00fd<\/strong>. M\u00f4\u017ee \u00eds\u0165 aj o refinancovanie \u00faveru v tej istej banke.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Konsolidcia_veru\">Konsolid\u00e1cia \u00faveru<\/h3>\n\n\n\n<p><a href=\"https:\/\/financer.sk\/pozicky\/konsolidacia-uveru\/\">Konsolid\u00e1cia<\/a>\u00a0predstavuje\u00a0<strong>sp\u00e1janie viacer\u00fdch va\u0161ich p\u00f4\u017ei\u010diek ale aj in\u00fdch finan\u010dn\u00fdch<\/strong>\u00a0<strong>produktov\u00a0do jednej.<\/strong>\u00a0Je mimoriadne ob\u013e\u00faben\u00e1, praktick\u00e1 a \u010dasto ve\u013emi v\u00fdhodn\u00fdm sp\u00f4sobom \u0148ou dok\u00e1\u017eete u\u0161etri\u0165 mno\u017estvo pe\u0148az\u00ed a starost\u00ed.<\/p>\n\n\n\n<p>Predstavte si, \u017ee spl\u00e1canie \u00f4smich vec\u00ed, medzi ktor\u00fdmi m\u00e1te\u00a0<a href=\"https:\/\/financer.sk\/kreditna-karta\/\">kreditku<\/a>,\u00a0<a href=\"https:\/\/financer.sk\/pozicky\/bezpecna-pozicka\/\" target=\"_blank\" rel=\"noreferrer noopener\">spotrebn\u00fd \u00faver<\/a>\u00a0a\u00a0<a href=\"https:\/\/financer.sk\/osobne-financie\/klasicky-leasing\/\">l\u00edzing<\/a>\u00a0\u010di pre\u010derpanie na \u00fa\u010dte<strong>\u00a0jednoducho spoj\u00edte do jedn\u00e9ho ve\u013ek\u00e9ho \u00faveru s ni\u017e\u0161\u00edm \u00farokom a jednou jedinou spl\u00e1tkou,\u00a0<\/strong>ktor\u00e1 zvy\u010dajne b\u00fdva ni\u017e\u0161ia, ne\u017e v\u0161etky predo\u0161l\u00e9 dohromady. Navy\u0161e si m\u00f4\u017eete po\u017ei\u010da\u0165 o nie\u010do viac pe\u0148az\u00ed, ne\u017e v skuto\u010dnosti potrebujete.<\/p>\n\n\n\n<p>Vo svojej podstate v\u0161ak<strong>\u00a0oba produkty pracuj\u00fa na rovnakom princ\u00edpe.<\/strong>\u00a0Rozdiel je len v tom, \u017ee v pr\u00edpade refinancovania pracujete s jedn\u00fdm\u00a0<a href=\"https:\/\/financer.sk\/pozicky\/spotrebny-uver\/\">\u00faverom<\/a>\u00a0a v pr\u00edpade konsolid\u00e1cie s viacer\u00fdmi finan\u010dn\u00fdmi z\u00e1v\u00e4zkami.<\/p>\n\n\n\n<p>Ak chcete zisti\u0165, ako bud\u00fa vyzera\u0165 va\u0161e nov\u00e9 spl\u00e1tky, m\u00f4\u017eete vyu\u017ei\u0165 na\u0161u\u00a0<a href=\"https:\/\/financer.sk\/osobne-financie\/kalkulacka\/splatkova-kalkulacka\/\">spl\u00e1tkov\u00fa\u00a0<\/a>alebo\u00a0<a href=\"https:\/\/financer.sk\/osobne-financie\/kalkulacka\/urokova-kalkulacka\/\">\u00farokov\u00fa kalkula\u010dku<\/a>.<\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter\"><a href=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2019\/09\/refinancovanie-konsolidacia.png\"><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\" \/><\/a><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Vhody_refinancovania\">V\u00fdhody refinancovania<\/h2>\n\n\n\n<p>Nespornou v\u00fdhodou je skuto\u010dnos\u0165, \u017ee refinancovanie spotrebn\u00e9ho \u00faveru je dostupn\u00e9 kedyko\u013evek. Je pre v\u00e1s tak viac ne\u017e v\u00fdhodn\u00e9\u00a0<strong>porovnanie aktu\u00e1lnych pon\u00fak na trhu<\/strong>.<\/p>\n\n\n\n<p>Ak zist\u00edte, \u017ee niektor\u00e1 z pon\u00fak je v\u00fdrazne lep\u0161ia ako t\u00e1 va\u0161a s\u00fa\u010dasn\u00e1 a m\u00f4\u017eete s \u0148ou z\u00edska\u0165 ni\u017e\u0161iu spl\u00e1tku \u010di \u00farok, refinancujte. Refinancova\u0165 m\u00f4\u017eete aj bez dokladovania pr\u00edjmu. Medzi hlavn\u00e9 v\u00fdhody patria:<\/p>\n\n\n\n<ul>\n<li>V\u00fdhodnej\u0161ie podmienky pri \u00favere<\/li>\n\n\n\n<li>Lep\u0161\u00ed preh\u013ead medzi \u00favermi<\/li>\n\n\n\n<li>Zn\u00ed\u017eenie mesa\u010dnej spl\u00e1tky<\/li>\n\n\n\n<li>Pevn\u00e1 \u00farokov\u00e1 sadzba<\/li>\n\n\n\n<li>Z\u00edskanie vy\u0161\u0161ej sumy p\u00f4\u017ei\u010dky<\/li>\n\n\n\n<li>Zn\u00ed\u017eenie dlhov<\/li>\n\n\n\n<li>Zmena banky<\/li>\n<\/ul>\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=1080&\" data-slider-url=\"https:\/\/financer.sk\/vysledky?query=1&param_amount=1000&param_period=1080&\" data-required=\"vysledky?query=1param_amount=1000&param_period=1080&\" 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=\"Refinancovanie_veru___porovnanie\">Refinancovanie \u00faveru &#8211; porovnanie<\/h2>\n\n\n\n<p>Refinancovanie p\u00f4\u017ei\u010diek je vo svete \u00faverov pomerne nov\u00fd produkt. Z\u00edskalo si v\u0161ak ve\u013ek\u00fa ob\u013eubu, v\u010faka \u010domu ho zaradila do svojej ponuky v\u00e4\u010d\u0161ina b\u00e1nk. Napr\u00edklad\u00a0<a href=\"https:\/\/www.financer.com\/sk\/spolocnost\/postova-banka\" target=\"_blank\" rel=\"noopener noreferrer\">Po\u0161tov\u00e1 banka<\/a>\u00a0za prv\u00fa polovicu roku 2013 poskytla a\u017e 38 % zo v\u0161etk\u00fdch \u00faverov vo forme konsolida\u010dn\u00fdch.<\/p>\n\n\n\n<p>Be\u017en\u00fd Slov\u00e1\u010disko si po\u010das svojho \u017eivota po\u017ei\u010dia viackr\u00e1t. Raz na nov\u00e9 auto, rekon\u0161trukciu b\u00fdvania alebo <a href=\"https:\/\/financer.sk\/pozicky\/podnikatelsky-uver\/\">podnikate\u013esk\u00fd n\u00e1pad<\/a> \u010di \u0161t\u00fadium. Je viac ne\u017e pravdepodobn\u00e9, \u017ee m\u00e1 spl\u00e1tok vy\u0161e hlavy a ve\u013emi \u013eahko tak str\u00e1ca preh\u013ead v <a href=\"https:\/\/financer.sk\/osobne-financie\/\">osobn\u00fdch financi\u00e1ch<\/a>, \u010do vedie k neust\u00e1lym \u010derven\u00fdm \u010d\u00edslam.<\/p>\n\n\n\n<p>Vtedy <strong>je najvy\u0161\u0161\u00ed \u010das uva\u017eova\u0165 nad t\u00fdm, ako si u\u013eah\u010di\u0165 situ\u00e1ciu<\/strong> a op\u00e4\u0165 z\u00edska\u0165 preh\u013ead o vlastn\u00fdch peniazoch. Nahradenie jedn\u00e9ho \u00faveru v\u00fdhodnej\u0161\u00edm, takzvan\u00e9 refinancovanie, vedia by\u0165 n\u00e1pomocn\u00e9.<\/p>\n\n\n\n<p>Slovensk\u00fd trh v s\u00fa\u010dasnosti pon\u00faka najm\u00e4 refinancovanie prostredn\u00edctvom b\u00e1nk, no v ponuke n\u00e1jdeme aj refinancovanie hypot\u00e9ky alebo oby\u010dajn\u00e9 refinancovanie u nebankov\u00fdch spolo\u010dnost\u00ed.<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><h3 id=\"Refinancovanie_Potov_banka\">Refinancovanie Po\u0161tov\u00e1 banka<\/h3><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.sk\/spolocnost\/postova-banka\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"306\" height=\"150\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/08\/oranz-postova-banka-logo-4xmin_velkost-rgb.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/08\/oranz-postova-banka-logo-4xmin_velkost-rgb.png 306w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/08\/oranz-postova-banka-logo-4xmin_velkost-rgb-300x147.png 300w\" sizes=\"(max-width: 306px) 100vw, 306px\" \/><\/a><span class=\"items-content__card-chosen\">Vybran\u00e9 <strong>17&nbsp;887<\/strong> kr\u00e1t<\/span><ul class=\"items-content__card-list\"><li >Vo v\u00fd\u0161ke od 300 \u20ac do 30 000 \u20ac<\/li><li >Splatnos\u0165 a\u017e 8 rokov<\/li><li >\u00darok od 5,5 % ro\u010dne<\/li><li >Poskytnutie bez poplatku<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. v\u00fd\u0161ka p\u00f4\u017ei\u010dky<\/span><span class=\"items-content__card-datapoint-value\">300<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max. v\u00fd\u0161ka p\u00f4\u017ei\u010dky <\/span><span class=\"items-content__card-datapoint-value\">40000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Najni\u017e\u0161ia RPMN<\/span><span class=\"items-content__card-datapoint-value\">5.90<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Najvy\u0161\u0161ia RPMN<\/span><span class=\"items-content__card-datapoint-value\">18.40<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. doba splatnosti<\/span><span class=\"items-content__card-datapoint-value\">1 rok<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max. doba splatnosti<\/span><span class=\"items-content__card-datapoint-value\">8 roky (ov)<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Akceptuje register dl\u017en\u00edkov<\/span><span class=\"items-content__card-datapoint-value\">Nie. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minim\u00e1lny vek:<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.sk\/spolocnost\/postova-banka\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"642\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Chcem refinancova\u0165<\/a><a href=\"https:\/\/financer.sk\/spolocnost\/postova-banka\/\"  class=\"button is-rounded items-content__card-more-info\">Viac inform\u00e1ci\u00ed<\/a><a href=\"https:\/\/financer.sk\/spolocnost\/postova-banka\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"3.2\">3.2<\/span><\/a><span class=\"items-content__card-reviews\">\u010d\u00edta\u0165&nbsp;<a href=\"https:\/\/financer.sk\/spolocnost\/postova-banka\/#read-reviews\">23<\/strong>&nbsp;hodnoten\u00ed<\/a><\/div><\/div><div class=\"items-content__card-description\" >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.<\/div><\/div><\/div><\/div>\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><h3 id=\"Refinancovanie_Slovensk_sporitea\">Refinancovanie Slovensk\u00e1 sporite\u013e\u0148a<\/h3><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.sk\/spolocnost\/slsp\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"2560\" height=\"897\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/09\/slovenska-sporitelna-logo.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/09\/slovenska-sporitelna-logo.png 2560w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/09\/slovenska-sporitelna-logo-300x105.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/09\/slovenska-sporitelna-logo-1024x359.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/09\/slovenska-sporitelna-logo-768x269.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/09\/slovenska-sporitelna-logo-1536x538.png 1536w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/09\/slovenska-sporitelna-logo-2048x718.png 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/a><span class=\"items-content__card-chosen\">Vybran\u00e9 <strong>2&nbsp;009<\/strong> kr\u00e1t<\/span><ul class=\"items-content__card-list\"><li >A\u017e do celkovej v\u00fd\u0161ky 30 000 \u20ac<\/li><li >Za ka\u017ed\u00fdch 500 \u20ac 20 EUR sp\u00e4\u0165<\/li><li >\u00darok od 4,9% do 8,9% ro\u010dne<\/li><li >Aj bez dokladovania pr\u00edjmu<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. v\u00fd\u0161ka p\u00f4\u017ei\u010dky<\/span><span class=\"items-content__card-datapoint-value\">300<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max. v\u00fd\u0161ka p\u00f4\u017ei\u010dky <\/span><span class=\"items-content__card-datapoint-value\">40000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Najni\u017e\u0161ia RPMN<\/span><span class=\"items-content__card-datapoint-value\">6.99<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Najvy\u0161\u0161ia RPMN<\/span><span class=\"items-content__card-datapoint-value\">9.99<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. doba splatnosti<\/span><span class=\"items-content__card-datapoint-value\">1 rok<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max. doba splatnosti<\/span><span class=\"items-content__card-datapoint-value\">8 roky (ov)<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Akceptuje register dl\u017en\u00edkov<\/span><span class=\"items-content__card-datapoint-value\">Nie. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minim\u00e1lny vek:<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.sk\/spolocnost\/slsp\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1322\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Chcem refinancova\u0165<\/a><a href=\"https:\/\/financer.sk\/spolocnost\/slsp\/\"  class=\"button is-rounded items-content__card-more-info\">Viac inform\u00e1ci\u00ed<\/a><a href=\"https:\/\/financer.sk\/spolocnost\/slsp\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_orange\" data-rating-value=\"2\">2.0<\/span><\/a><span class=\"items-content__card-reviews\">\u010d\u00edta\u0165&nbsp;<a href=\"https:\/\/financer.sk\/spolocnost\/slsp\/#read-reviews\">25<\/strong>&nbsp;hodnoten\u00ed<\/a><\/div><\/div><div class=\"items-content__card-description\" >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.<\/div><\/div><\/div><\/div>\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><h3 id=\"Refinancovanie_mBank\">Refinancovanie mBank<\/h3><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.sk\/spolocnost\/mbank\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/08\/mbank-logo.jpg\" class=\"attachment-full size-full\" alt=\"Mbank-logo-financer\" \/><\/a><span class=\"items-content__card-chosen\">Vybran\u00e9 <strong>10&nbsp;462<\/strong> kr\u00e1t<\/span><ul class=\"items-content__card-list\"><li >A\u017e do celkovej v\u00fd\u0161ky 24 000 \u20ac<\/li><li >\u00darok od 5,9% do 9,9%<\/li><li >Splatnos\u0165 a\u017e 8 rokov<\/li><li >Aj bez zmluvy o in\u00fdch \u00faveroch<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. v\u00fd\u0161ka p\u00f4\u017ei\u010dky<\/span><span class=\"items-content__card-datapoint-value\">350<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max. v\u00fd\u0161ka p\u00f4\u017ei\u010dky <\/span><span class=\"items-content__card-datapoint-value\">48000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Najni\u017e\u0161ia RPMN<\/span><span class=\"items-content__card-datapoint-value\">5.89<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Najvy\u0161\u0161ia RPMN<\/span><span class=\"items-content__card-datapoint-value\">9.90<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. doba splatnosti<\/span><span class=\"items-content__card-datapoint-value\">1 rok<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max. doba splatnosti<\/span><span class=\"items-content__card-datapoint-value\">8 roky (ov)<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Akceptuje register dl\u017en\u00edkov<\/span><span class=\"items-content__card-datapoint-value\">Nie. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minim\u00e1lny vek:<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.sk\/spolocnost\/mbank\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"640\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Chcem refinancova\u0165<\/a><a href=\"https:\/\/financer.sk\/spolocnost\/mbank\/\"  class=\"button is-rounded items-content__card-more-info\">Viac inform\u00e1ci\u00ed<\/a><a href=\"https:\/\/financer.sk\/spolocnost\/mbank\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.6\">3.6<\/span><\/a><span class=\"items-content__card-reviews\">\u010d\u00edta\u0165&nbsp;<a href=\"https:\/\/financer.sk\/spolocnost\/mbank\/#read-reviews\">13<\/strong>&nbsp;hodnoten\u00ed<\/a><\/div><\/div><div class=\"items-content__card-description\" >Reprezentat\u00edvny pr\u00edklad: P\u00f4\u017ei\u010dka 5 000 \u20ac s \u00farokovou sadzbou 6,90 % ro\u010dne, dobou splatnosti 72 mesiacov predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 7,12 % pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 85,01 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 6 120,72 \u20ac.<\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Refinancovanie_hypotky\">Refinancovanie hypot\u00e9ky<\/h2>\n\n\n\n<p>Aj napriek tomu, \u017ee<strong>\u00a0\u00farokov\u00e9 sadzby v tomto roku neust\u00e1le st\u00fapaj\u00fa,<\/strong>\u00a0st\u00e1le s\u00fa relat\u00edvne n\u00edzke, \u010do je d\u00f4sledkom vysokej konkurencie v bankovom aj nebankovom sektore. Banky st\u00e1le bojuj\u00fa o ka\u017ed\u00e9ho klienta a v pr\u00edpade, \u017ee si ho chc\u00fa udr\u017ea\u0165, s\u00fa ochotn\u00e9 pon\u00faknu\u0165 lep\u0161ie podmienky.<\/p>\n\n\n\n<p>Refinancovanie hypot\u00e9ky a prevod \u00faveru do inej banky je trend poslednej doby. Pod\u013ea aktu\u00e1lnych odhadov\u00a0<strong>by sa v\u0161ak v bud\u00facnosti mal tento trend v\u00fdrazne spomali\u0165,<\/strong>\u00a0a to najm\u00e4 z d\u00f4vodu neust\u00e1le sa spr\u00eds\u0148uj\u00facich podmienok hypotek\u00e1rnych \u00faverov aj rast\u00facich \u00farokov\u00fdch sadzieb.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-flex-start\"><a href=\"\" class=\"button  is-rounded is-primary is-normal\" target=\"_blank\"  >Porovnanie hypot\u00e9k<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Refinancovanie___postup\">Refinancovanie &#8211; postup<\/h2>\n\n\n\n<p>Refinancovanie je jednoduch\u00e9. K jeho \u00faspe\u0161n\u00e9mu zvl\u00e1dnutiu a u\u0161etreniu nemal\u00fdch finan\u010dn\u00fdch prostriedkov sta\u010d\u00ed dodr\u017ea\u0165 p\u00e1r d\u00f4le\u017eit\u00fdch krokov.<\/p>\n\n\n\n<ol class=\"is-style-default\">\n<li><strong>Urobte si zoznam mot\u00edvov, pre\u010do chcete refinancova\u0165.\u00a0<\/strong>Prv\u00fd a ve\u013emi d\u00f4le\u017eit\u00fd krok v\u00e1m uk\u00e1\u017ee, \u010di vo va\u0161om pr\u00edpade m\u00e1 refinancovanie \u00faverov zmysel. Sta\u010d\u00ed si na pol hodinku sadn\u00fa\u0165 a sp\u00edsa\u0165 v\u0161etky relevantn\u00e9 d\u00f4vody.<\/li>\n\n\n\n<li><strong>Porovnajte si ponuky<\/strong> a vyberte nov\u00fa banku, kam chcete \u00faver prenies\u0165. Porovnanie refinancovania \u00faveru netreba podceni\u0165. U\u017e len jedn\u00fdm poh\u013eadom na preh\u013eadn\u00fa tabu\u013eku zist\u00edte, ak\u00e9 benefity m\u00f4\u017eete z\u00edska\u0165 v inej banke a taktie\u017e porovna\u0165 celkov\u00fa v\u00fd\u0161ku \u00farokov.\u00a0Nezabudnite zisti\u0165 limity novej banky o po\u010dte refinancovan\u00fdch \u00faverov.<\/li>\n\n\n\n<li><strong>Po\u017eiadajte o \u00faver<\/strong> a pripravte si v\u0161etky dokumenty a podklady, ktor\u00e9 si od v\u00e1s nov\u00e1 banka vyp\u00fdta. Ni\u017e\u0161ie v texte zist\u00edte, ak\u00e9 dokumenty budete pri slovensk\u00fdch bank\u00e1ch potrebova\u0165 naj\u010dastej\u0161ie.<\/li>\n\n\n\n<li><strong>Vy\u017eiadajte si s\u00fahlas s pred\u010dasn\u00fdm splaten\u00edm \u00faveru z p\u00f4vodnej banky.\u00a0<\/strong>Va\u010d\u0161ina slovensk\u00fdch bankov\u00fdch a nebankov\u00fdch spolo\u010dnost\u00ed dnes poskytuje pred\u010dasn\u00e9 splatenie \u00faveru \u00faplne bez ak\u00fdchko\u013evek poplatkov, preto sa nemus\u00edte b\u00e1\u0165, \u017ee na oby\u010dajnom prenesen\u00ed a pred\u010dasnom splaten\u00ed zbyto\u010dne preplat\u00edte.<\/li>\n\n\n\n<li><strong>Po\u0161lite peniaze z nov\u00e9ho \u00faveru<\/strong> do starej banky.\u00a0Ak je v\u00e1\u0161 nov\u00fd \u00faver \u00fa\u010delov\u00fd(neb\u00fdva pravidlom) mus\u00edte banke na z\u00e1ver zdokladova\u0165 sp\u00f4sob vyu\u017eitia poskytnut\u00fdch pe\u0148az\u00ed.<\/li>\n<\/ol>\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=\"Preo_refinancova\">Pre\u010do refinancova\u0165?<\/h2>\n\n\n\n<p>Dnes plat\u00ed, \u017ee m\u00f4\u017eete refinancova\u0165 a konsolidova\u0165 praktick\u00fd ka\u017ed\u00fd finan\u010dn\u00fd z\u00e1v\u00e4zok a produkt.<\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter\"><img decoding=\"async\" width=\"1280\" height=\"720\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2019\/05\/refinancovanie.png\" alt=\"refinancovanie\" class=\"wp-image-2996\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/05\/refinancovanie.png 1280w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/05\/refinancovanie-300x169.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/05\/refinancovanie-1024x576.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/05\/refinancovanie-768x432.png 768w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/><\/figure><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"o_k_refinancovaniu_potrebujeme_najastejie\">\u010co k refinancovaniu potrebujeme naj\u010dastej\u0161ie?<\/h3>\n\n\n\n<ul>\n<li>\u017diados\u0165 o refinancovanie u novej banky<\/li>\n\n\n\n<li>Doklady o pr\u00edjme<\/li>\n\n\n\n<li>Zmluvy k p\u00f4vodn\u00fdm \u00faverom<\/li>\n\n\n\n<li>Aktu\u00e1lnu v\u00fd\u0161ku va\u0161ich star\u00fdch \u00faverov<\/li>\n\n\n\n<li>\u017diados\u0165 o pred\u010dasn\u00e9 splatenie \u00faveru<\/li>\n\n\n\n<li>Doklady o splaten\u00ed star\u00fdch \u00faverov<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Refinancovanie_a_poplatky\">Refinancovanie a poplatky<\/h2>\n\n\n\n<ul>\n<li><strong>Poplatok za pred\u010dasn\u00e9 splatenie \u00faveru\u00a0<\/strong>&#8211; v pr\u00edpade niektor\u00fdch b\u00e1nk sl\u00fa\u017ei tento poplatok ako posledn\u00e1 mo\u017enos\u0165 starej banky zarobi\u0165 na v\u00e1s, no in\u00e9 banky zas pon\u00fakaj\u00fa pred\u010dasn\u00e9 splatenie bez poplatku.<\/li>\n\n\n\n<li><strong>Poplatok za vypo\u010d\u00edtanie zvy\u0161nej dl\u017enej sumy\u00a0<\/strong>&#8211; nevy\u017eaduje ho ka\u017ed\u00e1 banka, no m\u00f4\u017eete ho \u013eahko zisti\u0165 aj prostredn\u00edctvom na\u0161ej\u00a0<a href=\"https:\/\/financer.sk\/osobne-financie\/kalkulacka\/splatkova-kalkulacka\/\">spl\u00e1tkovej kalkula\u010dky<\/a>, ak zad\u00e1te parametre star\u00e9ho \u00faveru.<\/li>\n\n\n\n<li><strong>Poplatok za spr\u00e1vu a vedenie \u00fa\u010dtu\u00a0<\/strong>&#8211; na\u0161\u0165astie, dnes u\u017e banky zvykn\u00fa tieto poplatky odp\u00fa\u0161\u0165a\u0165. To v\u0161ak nezvykne plati\u0165 pri \u0161pecializovan\u00fdch bankov\u00fdch \u00fa\u010dtoch, ak\u00fdmi s\u00fa napr\u00edklad podnikate\u013esk\u00e9 \u00fa\u010dty.<\/li>\n\n\n\n<li><strong>Poplatok za vybavenie konsolid\u00e1cie\u00a0<\/strong>&#8211; v minulosti \u010dasto vyu\u017e\u00edvan\u00fd poplatok, ktor\u00fd u\u017e dnes z bankov\u00fdch cenn\u00edkov pomaly ale isto mizne a m\u00f4\u017eeme tak poveda\u0165, \u017ee u\u017e nie je pravidlom.<\/li>\n\n\n\n<li><strong>Poplatok za znaleck\u00fd posudok\u00a0<\/strong>&#8211; vyu\u017e\u00edva sa, ak refinancujete a konsolidujete hypot\u00e9ku. Ide o odmenu pre znalca, ktor\u00e9ho slu\u017eby banka vyu\u017eije na zistenie hodnoty nehnute\u013enosti financovanej hypot\u00e9kou.<\/li>\n\n\n\n<li><strong>Poplatok na katastr\u00e1lnom \u00farade\u00a0<\/strong>&#8211; niektor\u00e9 banky, ako napr\u00edklad Slovensk\u00e1 Sporite\u013e\u0148a vyrie\u0161ia cel\u00fd kataster za v\u00e1s, no mus\u00edte by\u0165 pripraven\u00ed na to, \u017ee zaplat\u00edte za vystavenie listu vlastn\u00edctva \u010di vklad nehnute\u013enosti do katastra a k\u00f3piu katastr\u00e1lnej mapy.<\/li>\n<\/ul>\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 si aspo\u0148 pribli\u017ene vypo\u010d\u00edtajte konkr\u00e9tne zahrnut\u00e9 poplatky. 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=\"Mty_o_refinancovan\">M\u00fdty o refinancovan\u00ed<\/h2>\n\n\n\n<p><strong>Budem beha\u0165 z jednej banky do druhej.\u00a0<\/strong>Niekedy mo\u017eno, dnes to u\u017e neplat\u00ed. Refinancovanie hravo zvl\u00e1dnete aj cez internet. Z\u00e1kladom je kvalitn\u00e9 porovnanie v\u0161etk\u00fdch dostupn\u00fdch pon\u00fak. Nemyslite si, \u017ee od v\u00e1s chceme, aby ste teraz prech\u00e1dzali ka\u017ed\u00fa jednu ponuku slovensk\u00fdch b\u00e1nk. Ur\u00fdchlime v\u00e1m to komplexn\u00fdm porovnan\u00edm bankov\u00fdch a nebankov\u00fdch mo\u017enost\u00ed na na\u0161om webe.<\/p>\n\n\n\n<p><strong>M\u00e1m pred sebou obrovsk\u00e9 mno\u017estvo papierova\u010diek.\u00a0<\/strong>Takto, ur\u010dit\u00e9 dokumenty budete potrebova\u0165 ur\u010dite. Nie je to v\u0161ak \u017eiadne terno a v\u00e4\u010d\u0161inu administrat\u00edvnej pr\u00e1ce za v\u00e1s urob\u00ed banka. O tom, ktor\u00e9 dokumenty pravdepodobne budete potrebova\u0165, sme v\u00e1s informovali u\u017e vy\u0161\u0161ie.<\/p>\n\n\n\n<p><strong>S drah\u00fdm \u00faverom u\u017e nedok\u00e1\u017eem ni\u010d urobi\u0165.\u00a0<\/strong>Je to lo\u017e. Banky po ur\u010ditom obdob\u00ed prehodnocuj\u00fa svoje \u00farokov\u00e9 sadzby a takmer pravidelne sa u nich stret\u00e1vame s r\u00f4znymi zmenami v cenn\u00edkoch. Niektor\u00e9 zo spolo\u010dnost\u00ed ob\u010das vyrukuj\u00fa so \u0161peci\u00e1lnou ponukou napr\u00edklad aj na refinancovanie \u00faverov a kto nezav\u00e1ha, m\u00e1 lep\u0161ie podmienky.<\/p>\n\n\n\n<p><strong>V\u0161etky banky pon\u00fakaj\u00fa to ist\u00e9.\u00a0<\/strong>Na prv\u00fd poh\u013ead by sa to tak mohlo zda\u0165. Maxim\u00e1lne mo\u017en\u00e9 sumy na refinancovanie sa a\u017e tak neodli\u0161uj\u00fa, v \u00farokoch s\u00fa rozdiely len minim\u00e1lne. Je v\u0161ak d\u00f4le\u017eit\u00e9 porovn\u00e1va\u0165 a s\u00fastredi\u0165 sa najm\u00e4 na ukazovate\u013e RPMN (ro\u010dn\u00e1 percentu\u00e1lna miera n\u00e1kladov) a celkov\u00fd preplatok. RPMN v\u00e1m uk\u00e1\u017ee, ko\u013eko ka\u017ed\u00fd rok zaplat\u00edte na \u00favere navy\u0161e spolu s \u00farokmi a v\u0161etk\u00fdmi poplatkami.<\/p>\n\n\n<ul class=\"list-pages\"><li class=\"page-list__item\"><a href=\"https:\/\/financer.sk\/osobne-financie\/ako-usetrit-peniaze\/\" rel=\"bookmark\" title=\"Ako u\u0161etri\u0165 peniaze\">Ako u\u0161etri\u0165 peniaze<\/a><\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Skutone_sa_refinancovanie_verov_vyplca\">Skuto\u010dne sa refinancovanie \u00faverov vypl\u00e1ca?<\/h3>\n\n\n\n<p>P\u00fdtate sa, ako sa v\u00e1m refinancovanie m\u00f4\u017ee vyplati\u0165, ak si v kone\u010dnom d\u00f4sledku po\u017ei\u010diate viac pe\u0148az\u00ed na viac rokov? Tajomstvo sa skr\u00fdva vo v\u00fd\u0161ke nov\u00e9ho \u00faroku a mo\u017enosti spl\u00e1ca\u0165 dlh\u0161ie. Pre lep\u0161iu predstavu sme pre v\u00e1s pripravili 2 pr\u00edklady.<\/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><\/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><\/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<h2 class=\"wp-block-heading\" id=\"Tipy_na_zver___na_o_si_da_pozor\">Tipy na z\u00e1ver &#8211; na \u010do si da\u0165 pozor?<\/h2>\n\n\n\n<p>E\u0161te sk\u00f4r, ne\u017e sa rozhodnete refinancova\u0165 alebo konsolidova\u0165 svoje \u00favery, skontrolujte si v\u0161etky va\u0161e teraj\u0161ie finan\u010dn\u00e9 z\u00e1v\u00e4zky a ich \u00faro\u010denie. Nezabudnite na poplatky a podmienky pri pred\u010dasnom splaten\u00ed.<\/p>\n\n\n\n<p>Na to, aby sa v\u00e1m refinancovanie a konsolid\u00e1cia vyplatili,\u00a0<strong>n\u00e1klady na pred\u010dasn\u00e9 splatenie \u00faverov nesm\u00fa prev\u00fd\u0161i\u0165 \u00fasporu, ktor\u00fa refinancovan\u00edm z\u00edskate.<\/strong><\/p>\n\n\n\n<p>D\u00e1vajte si pozor na zmeny. Parametre pre konsolid\u00e1ciu sa u jednotliv\u00fdch b\u00e1nk zvykn\u00fa dos\u0165 \u010dasto meni\u0165. Preto odpor\u00fa\u010dame ni\u010d nepodceni\u0165 a pred refinancovan\u00edm si\u00a0<strong>overi\u0165 v\u0161etky inform\u00e1cie v konkr\u00e9tnej banke<\/strong>.<\/p>\n\n\n\n<p>Pr\u00edpadne m\u00f4\u017eete vyu\u017ei\u0165 slu\u017eby finan\u010dn\u00e9ho poradcu, ktor\u00fd aktu\u00e1lne podmienky b\u00e1nk mus\u00ed ovl\u00e1da\u0165.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ur\u010dite budete s\u00fahlasi\u0165 ak povieme, \u017ee spl\u00e1ca\u0165 r\u00fdchlu p\u00f4\u017ei\u010dku \u010fal\u0161ou p\u00f4\u017ei\u010dkou, je ve\u013emi zl\u00e9 finan\u010dn\u00e9 rozhodnutie. Aj toto pravidlo m\u00e1\u2026 <\/p>\n","protected":false},"author":87,"featured_media":79015,"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":[84],"_links":{"self":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/1798"}],"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=1798"}],"version-history":[{"count":49,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/1798\/revisions"}],"predecessor-version":[{"id":78531,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/1798\/revisions\/78531"}],"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\/79015"}],"wp:attachment":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media?parent=1798"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/categories?post=1798"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/tags?post=1798"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}