{"id":452,"date":"2018-07-26T16:17:53","date_gmt":"2018-07-26T14:17:53","guid":{"rendered":"https:\/\/financer.sk\/?page_id=452"},"modified":"2024-09-12T15:28:42","modified_gmt":"2024-09-12T13:28:42","slug":"spotrebny-uver","status":"publish","type":"page","link":"https:\/\/financer.sk\/pozicky\/spotrebny-uver\/","title":{"rendered":"Spotrebn\u00fd \u00faver porovnanie: Najlep\u0161ie ponuky 2024"},"content":{"rendered":"\n<p id=\"u010casto_kladenu00e9_otu00e1zky\"><em>&#8220;Peniaze nerast\u00fa na stromoch<\/em>&#8220;. \u010co v\u0161ak robi\u0165, ak potrebujete nov\u00fd notebook lebo ten star\u00fd u\u017e nefunguje, alebo nov\u00e9 auto na doch\u00e1dzanie do pr\u00e1ce? <strong>Porovnanie spotrebn\u00fdch \u00faverov<\/strong> pom\u00f4\u017ee n\u00e1js\u0165 to najv\u00fdhodnej\u0161ie rie\u0161enie.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3>Nezab\u00fadajte<\/h3><p>Spotrebn\u00fd \u00faver je <strong>dlhodob\u00fd z\u00e1v\u00e4zok<\/strong>. Pred jeho uzavret\u00edm d\u00f4kladne zv\u00e1\u017ete svoju finan\u010dn\u00fa situ\u00e1ciu a schopnos\u0165 spl\u00e1ca\u0165.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"o_je_to_spotrebn_ver\">\u010co je to spotrebn\u00fd \u00faver?<\/h2>\n\n\n\n<p>\u00daver sa tie\u017e \u010dasto ozna\u010duje ako spotrebite\u013esk\u00fd \u00faver alebo spotrebn\u00fd \u00faver. Tento \u00faver je bez\u00fa\u010delov\u00fd, tak\u017ee nemus\u00edte \u0161pecifikova\u0165 ako t\u00fato p\u00f4\u017ei\u010dku vyu\u017eijete. Iba plat\u00edte mesa\u010dn\u00e9 spl\u00e1tky spolu s dohodnut\u00fdm \u00farokom.<\/p>\n\n\n<div class=\"fn_block fn-comparison-table\">                                    <h2 class=\"comparison-table__title-main\">Najv\u00fdhodnej\u0161ie spotrebn\u00e9 \u00favery<\/h2>\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                                                                        <th>\n                                        <span data-sorting=\"rating\" data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                            Celkov\u00e9 hodnotenie                                        <\/span>\n                                    <\/th>\n                                    \n                                    <th> <span data-sorting=\"interest-rate-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"\u00darokov\u00e1 sadzba\">\u00darokov\u00e1 sadzba<\/span><\/th><th> <span data-sorting=\"loan-amount-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"V\u00fd\u0161ka p\u00f4\u017ei\u010dky\">V\u00fd\u0161ka p\u00f4\u017ei\u010dky<\/span><\/th><th> <span data-sorting=\"loan-period-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Doba splatnosti\">Doba splatnosti<\/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 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=\"rating\" data-sorting-value=\"3.18478261\">\n            <a href=\"https:\/\/financer.sk\/spolocnost\/postova-banka\/#read-reviews\"><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"3.2\">3.2<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"5.90\">5,90% &#8211; 18,40%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"300.00\">300 \u20ac &#8211; 40&nbsp;000 \u20ac<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"360\">1 rok &#8211; 8 roky (ov)<\/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 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=\"rating\" data-sorting-value=\"3.26136364\">\n            <a href=\"https:\/\/financer.sk\/spolocnost\/vub\/#read-reviews\"><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"3.3\">3.3<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"6.50\">6,50% &#8211; 9,40%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"500.00\">500 \u20ac &#8211; 35&nbsp;000 \u20ac<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"360\">1 rok &#8211; 8 roky (ov)<\/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 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.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"mBank\"\n                data-product-id=\"640\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"640\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/mbank\/redirect\/\">\n                    <img decoding=\"async\" title=\"mBank\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/08\/mbank-logo.jpg\" alt=\"mBank\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.60576923\">\n            <a href=\"https:\/\/financer.sk\/spolocnost\/mbank\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.6\">3.6<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"5.89\">5,89% &#8211; 9,90%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"350.00\">350 \u20ac &#8211; 48&nbsp;000 \u20ac<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"360\">1 rok &#8211; 8 roky (ov)<\/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\/mbank\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"640\" \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 6,90 % 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.<\/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=\"rating\" data-sorting-value=\"2.35714286\">\n            <a href=\"https:\/\/financer.sk\/spolocnost\/tatra-banka\/#read-reviews\"><span class=\"simple-rating-value rating_orange\" data-rating-value=\"2.4\">2.4<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"5.99\">5,99% &#8211; 9,90%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"500.00\">500 \u20ac &#8211; 30&nbsp;000 \u20ac<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"360\">1 rok &#8211; 8 roky (ov)<\/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 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=\"rating\" data-sorting-value=\"2.04500000\">\n            <a href=\"https:\/\/financer.sk\/spolocnost\/slsp\/#read-reviews\"><span class=\"simple-rating-value rating_orange\" data-rating-value=\"2\">2.0<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"5.49\">5,49% &#8211; 9,99%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"300.00\">300 \u20ac &#8211; 40&nbsp;000 \u20ac<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"360\">1 rok &#8211; 10 roky (ov)<\/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 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=\"rating\" data-sorting-value=\"1.95263158\">\n            <a href=\"https:\/\/financer.sk\/spolocnost\/csob\/#read-reviews\"><span class=\"simple-rating-value rating_orange\" data-rating-value=\"2\">2.0<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"6.19\">6,19%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"600.00\">600 \u20ac &#8211; 40&nbsp;000 \u20ac<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"360\">1 rok &#8211; 8 roky (ov)<\/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 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=\"rating\" data-sorting-value=\"0.00000000\">\n            <a href=\"https:\/\/financer.sk\/spolocnost\/raiffeisen\/#read-reviews\"><span class=\"simple-rating-value rating_gray\" data-rating-value=\"0\">N\/A<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"5.90\">5,90% &#8211; 18,90%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"300.00\">300 \u20ac &#8211; 30&nbsp;000 \u20ac<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"540\">1 rok , 6 mesiace (ov) &#8211; 8 roky (ov)<\/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=\"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=\"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=\"mBank\"\n                data-product-id=\"640\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"640\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/mbank\/redirect\/\">\n                    <img decoding=\"async\" title=\"mBank\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/08\/mbank-logo.jpg\" alt=\"mBank\">\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=\"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=\"\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=\"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=\"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=\"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=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.sk\/spolocnost\/mbank\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"640\" \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\/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=\"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=\"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\/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=\"interest-rate-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"\u00darokov\u00e1 sadzba\">\u00darokov\u00e1 sadzba<\/span><\/th><th> <span data-sorting=\"loan-amount-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"V\u00fd\u0161ka p\u00f4\u017ei\u010dky\">V\u00fd\u0161ka p\u00f4\u017ei\u010dky<\/span><\/th><th> <span data-sorting=\"loan-period-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Doba splatnosti\">Doba splatnosti<\/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 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=\"rating\" data-sorting-value=\"3.18478261\">\n            <a href=\"https:\/\/financer.sk\/spolocnost\/postova-banka\/#read-reviews\"><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"3.2\">3.2<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"5.90\">5,90% &#8211; 18,40%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"300.00\">300 \u20ac &#8211; 40&nbsp;000 \u20ac<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"360\">1 rok &#8211; 8 roky (ov)<\/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 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=\"rating\" data-sorting-value=\"3.26136364\">\n            <a href=\"https:\/\/financer.sk\/spolocnost\/vub\/#read-reviews\"><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"3.3\">3.3<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"6.50\">6,50% &#8211; 9,40%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"500.00\">500 \u20ac &#8211; 35&nbsp;000 \u20ac<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"360\">1 rok &#8211; 8 roky (ov)<\/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 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.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"mBank\"\n                data-product-id=\"640\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"640\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.sk\/spolocnost\/mbank\/redirect\/\">\n                    <img decoding=\"async\" title=\"mBank\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/08\/mbank-logo.jpg\" alt=\"mBank\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.60576923\">\n            <a href=\"https:\/\/financer.sk\/spolocnost\/mbank\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.6\">3.6<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"5.89\">5,89% &#8211; 9,90%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"350.00\">350 \u20ac &#8211; 48&nbsp;000 \u20ac<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"360\">1 rok &#8211; 8 roky (ov)<\/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\/mbank\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"640\" \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 6,90 % 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.<\/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=\"rating\" data-sorting-value=\"2.35714286\">\n            <a href=\"https:\/\/financer.sk\/spolocnost\/tatra-banka\/#read-reviews\"><span class=\"simple-rating-value rating_orange\" data-rating-value=\"2.4\">2.4<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"5.99\">5,99% &#8211; 9,90%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"500.00\">500 \u20ac &#8211; 30&nbsp;000 \u20ac<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"360\">1 rok &#8211; 8 roky (ov)<\/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 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=\"rating\" data-sorting-value=\"2.04500000\">\n            <a href=\"https:\/\/financer.sk\/spolocnost\/slsp\/#read-reviews\"><span class=\"simple-rating-value rating_orange\" data-rating-value=\"2\">2.0<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"5.49\">5,49% &#8211; 9,99%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"300.00\">300 \u20ac &#8211; 40&nbsp;000 \u20ac<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"360\">1 rok &#8211; 10 roky (ov)<\/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 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=\"rating\" data-sorting-value=\"1.95263158\">\n            <a href=\"https:\/\/financer.sk\/spolocnost\/csob\/#read-reviews\"><span class=\"simple-rating-value rating_orange\" data-rating-value=\"2\">2.0<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"6.19\">6,19%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"600.00\">600 \u20ac &#8211; 40&nbsp;000 \u20ac<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"360\">1 rok &#8211; 8 roky (ov)<\/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 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=\"rating\" data-sorting-value=\"0.00000000\">\n            <a href=\"https:\/\/financer.sk\/spolocnost\/raiffeisen\/#read-reviews\"><span class=\"simple-rating-value rating_gray\" data-rating-value=\"0\">N\/A<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"5.90\">5,90% &#8211; 18,90%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"300.00\">300 \u20ac &#8211; 30&nbsp;000 \u20ac<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"540\">1 rok , 6 mesiace (ov) &#8211; 8 roky (ov)<\/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<p>Za svoju popularitu v\u010fa\u010dia predov\u0161etk\u00fdm jednoduchosti vybavenia, k \u017eiadosti o ne v\u00e1m toti\u017e sta\u010d\u00ed ob\u010diansky preukaz.<\/p>\n\n\n\n<p>V s\u00fa\u010dasnosti s\u00fa tieto \u00favery vyu\u017e\u00edvan\u00e9 predov\u0161etk\u00fdm na \u010diasto\u010dn\u00e9 rekon\u0161trukcie dom\u00e1cnosti, k\u00fapu nov\u00e9ho auta alebo k\u00fapu nov\u00fdch spotrebi\u010dov.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Hlavn_vhody_spotrebnho_veru\">Hlavn\u00e9 v\u00fdhody spotrebn\u00e9ho \u00faveru<\/h3><li><p>Vybavenie z pohodlia domova<\/p>\n<\/li><li><p>Bez nutnosti dokladovania \u00fa\u010delu<\/p>\n<\/li><li><p>R\u00fdchle prip\u00edsanie na \u00fa\u010det<\/p>\n<\/li><li><p>Mo\u017enos\u0165 \u010derpania a\u017e do 50 000 \u20ac<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Vpoet_spltok\">V\u00fdpo\u010det spl\u00e1tok<\/h3><p>Pre detailn\u00fd v\u00fdpo\u010det spl\u00e1tok vyu\u017eite na\u0161u <a href=\"https:\/\/financer.sk\/osobne-financie\/kalkulacka\/splatkova-kalkulacka\/\">kalkula\u010dku spotrebn\u00e9ho \u00faveru.<\/a><\/p><\/div>\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=\"Ak_very_poznme\">Ak\u00e9 \u00favery pozn\u00e1me?<\/h2>\n\n\n\n<p id=\"u010casto_kladenu00e9_otu00e1zky\">Na slovenskom trhu sa v s\u00fa\u010dasnosti m\u00f4\u017eeme stretn\u00fa\u0165 s nieko\u013ek\u00fdmi druhmi \u00faverov. Od t\u00fdch pre podnikate\u013eov, a\u017e po tie pre mlad\u00fdch. Vysvetl\u00edme v\u00e1m aspo\u0148 z\u00e1kladn\u00e9 rozdiely medzi \u0161pecializovan\u00fdmi \u00favermi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Revolvingov_ver\">Revolvingov\u00fd \u00faver<\/h3>\n\n\n\n<p id=\"u010casto_kladenu00e9_otu00e1zky\"><a href=\"https:\/\/financer.sk\/pozicky\/revolvingovy-uver\/\">Revolvingov\u00fd \u00faver<\/a>\u00a0u n\u00e1s s\u00edce nie je ve\u013emi roz\u0161\u00edren\u00fd, no\u00a0<strong>m\u00e1 svoje pozit\u00edvne str\u00e1nky<\/strong>, ktor\u00e9 netreba prehliada\u0165. Nie je to klasick\u00fd spotrebn\u00fd \u00faver.\u00a0<strong>Je v \u0148om zl\u00fa\u010den\u00e1 kreditn\u00e1 karta, \u00faver a r\u00fdchla p\u00f4\u017ei\u010dka<\/strong>.<\/p>\n\n\n\n<p id=\"u010casto_kladenu00e9_otu00e1zky\">Dnes sta\u010d\u00ed vyplni\u0165 online \u017eiados\u0165, ktorej r\u00fdchlos\u0165 schv\u00e1lenia je podobn\u00e1 ako pri\u00a0<a href=\"https:\/\/financer.sk\/pozicky\/rychla-pozicka\/\">r\u00fdchlej p\u00f4\u017ei\u010dke<\/a>. N\u00e1sledne dostanete ur\u010dit\u00fd finan\u010dn\u00fd strop, do ktor\u00e9ho si m\u00f4\u017eete po\u017ei\u010da\u0165 kedyko\u013evek a ko\u013eko pr\u00e1ve potrebujete. Financie vyber\u00e1te a spl\u00e1cate rovnako jednoducho, ako pri\u00a0<a href=\"https:\/\/financer.sk\/kreditna-karta\/\">kreditnej karte.<\/a><\/p>\n\n\n\n<p id=\"u010casto_kladenu00e9_otu00e1zky\">Na rozdiel od kreditnej karty a r\u00fdchlej p\u00f4\u017ei\u010dky v\u0161ak m\u00e1te v\u017edy preh\u013ead ko\u013eko ste si u\u017e celkovo po\u017ei\u010dali, ak\u00e1 je \u010fal\u0161ia minim\u00e1lna spl\u00e1tka a podobne.<\/p>\n\n\n\n<p id=\"u010casto_kladenu00e9_otu00e1zky\">Navy\u0161e,\u00a0<strong>revolvingov\u00fd \u00faver je pomerne r\u00fdchly<\/strong>. Chcete napr\u00edklad zaplati\u0165 \u00fa\u010dty, zad\u00e1te v\u00fdber 80 \u20ac a do ve\u010dera ich m\u00e1te na \u00fa\u010dte.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Zhrnutie_revolvingovho_veru\">Zhrnutie revolvingov\u00e9ho \u00faveru<\/h3><ul>\n<li>Kombinuje vlastnosti kreditnej karty a r\u00fdchlej p\u00f4\u017ei\u010dky<\/li>\n<li>Flexibiln\u00e9 \u010derpanie do stanoven\u00e9ho limitu<\/li>\n<li>R\u00fdchle schv\u00e1lenie online<\/li>\n<\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Podnikatesk_ver\">Podnikate\u013esk\u00fd \u00faver<\/h3>\n\n\n\n<p id=\"u010casto_kladenu00e9_otu00e1zky\">Ako u\u017e jeho n\u00e1zov hovor\u00ed, tento \u00faver je ur\u010den\u00fd pre podnikate\u013eov. Vyu\u017ei\u0165 ho m\u00f4\u017eete ak rozm\u00fd\u0161\u013eate o \u0161tarte vlastn\u00e9ho podnikania alebo invest\u00edcii v tom existuj\u00facom.<\/p>\n\n\n\n<p id=\"u010casto_kladenu00e9_otu00e1zky\">Plat\u00ed, \u017ee\u00a0<strong>podnikate\u013esk\u00fd \u00faver m\u00f4\u017eu z\u00edska\u0165 za\u010d\u00ednaj\u00faci podnikatelia, ale aj t\u00ed, ktor\u00ed podnikaj\u00fa u\u017e ur\u010dit\u00fd \u010das<\/strong>. V s\u00fa\u010dasnosti na slovenskom trhu plat\u00ed, \u017ee v\u00e4\u010d\u0161ina <a href=\"https:\/\/financer.sk\/pozicky\/podnikatelsky-uver\/\">podnikate\u013esk\u00fdch \u00faverov<\/a> je poskytovan\u00e1 bez\u00fa\u010delovo.<\/p>\n\n\n\n<p id=\"u010casto_kladenu00e9_otu00e1zky\">Pokia\u013e ako podnikate\u013e v \u017eiadosti o svoj podnikate\u013esk\u00fd \u00faver sp\u013a\u0148ate podmienky dan\u00e9 bankou, bude pre v\u00e1s podnikate\u013esk\u00fd \u00faver od banky v\u017edy v\u00fdhodnej\u0161\u00ed, preto\u017ee <strong>m\u00e1 ni\u017e\u0161ie poplatky a \u00farokov\u00e9 sadzby ako napr\u00edklad nebankov\u00e1 p\u00f4\u017ei\u010dka<\/strong>, \u010di\u017ee tak\u00fdto \u00faver je lacnej\u0161\u00ed.<\/p>\n\n\n\n<p id=\"u010casto_kladenu00e9_otu00e1zky\">\u010casto je nutn\u00e9 zaisti\u0165 podnikate\u013esk\u00fd \u00faver ur\u010dit\u00fdm majetkom, po\u017ei\u010diava\u0165 si s ru\u010dite\u013eom, alebo ma\u0165 vysok\u00fd pr\u00edjem. Je potrebn\u00e9 r\u00e1ta\u0165 s t\u00fdm, \u017ee budete musie\u0165 predlo\u017ei\u0165\u00a0<strong>podnikate\u013esk\u00fd pl\u00e1n<\/strong>.<\/p>\n\n\n\n<p id=\"u010casto_kladenu00e9_otu00e1zky\">Aj to je jeden z naj\u010dastej\u0161\u00edch d\u00f4vodov, pre\u010do sa v\u00e4\u010d\u0161ina slovensk\u00fdch \u017eivnostn\u00edkov touto cestou nevyd\u00e1. <strong>\u017divnostn\u00edkov v\u0161ak pre zmenu podporuje \u0161t\u00e1t<\/strong>. Viac o podpore \u017eivnostn\u00edkov zo strany \u0161t\u00e1tu sme p\u00edsali <a href=\"https:\/\/financer.sk\/osobne-financie\/prispevok-na-podnikanie-od-statu\/\">v tomto \u010dl\u00e1nku<\/a>.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Zhrnutie_podnikateskho_veru\">Zhrnutie podnikate\u013esk\u00e9ho \u00faveru<\/h3><ul>\n<li>Vhodn\u00fd pre za\u010d\u00ednaj\u00facich aj existuj\u00facich podnikate\u013eov<\/li>\n<li>Zv\u00e4\u010d\u0161a poskytovan\u00fd bez\u00fa\u010delovo<\/li>\n<li>M\u00f4\u017ee vy\u017eadova\u0165 zabezpe\u010denie majetkom alebo ru\u010dite\u013ea<\/li>\n<\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"ver_na_auto\">\u00daver na auto<\/h3>\n\n\n\n<p id=\"u010casto_kladenu00e9_otu00e1zky\">\u00daver, pri ktorom je jeho \u00fa\u010del jasn\u00fd. K\u00fapa nov\u00e9ho alebo ojazden\u00e9ho auta m\u00f4\u017ee by\u0165 cez \u00faver na auto ove\u013ea v\u00fdhodnej\u0161ia a s lep\u0161\u00edmi podmienkami, akoby ste \u017eiadali o be\u017en\u00fd spotrebn\u00fd \u00faver na \u010doko\u013evek.\u00a0<\/p>\n\n\n\n<p id=\"u010casto_kladenu00e9_otu00e1zky\"><strong>V\u00fd\u0161ka \u00faveru<\/strong>\u00a0samozrejme z\u00e1vis\u00ed od hodnoty v\u00e1\u0161ho vysnen\u00e9ho vozidla. Vo v\u0161eobecnosti plat\u00ed, \u017ee banka je ochotn\u00e1 prefinancova\u0165 80 a\u017e 100 % z hodnoty vozidla. <strong>Pri ojazden\u00fdch vozidl\u00e1ch nerozhoduje cena v baz\u00e1re, ale znaleck\u00fd posudok<\/strong>.<\/p>\n\n\n\n<p id=\"u010casto_kladenu00e9_otu00e1zky\">Ke\u010f\u017ee chcete <a href=\"https:\/\/financer.sk\/pozicky\/uver-na-auto\/\">\u00faver na auto<\/a>, mus\u00edte ma\u0165 v o\u010diach banky ur\u010dit\u00e9 <strong>zabezpe\u010denie \u00faveru<\/strong>. Naj\u010dastej\u0161ie sa vyu\u017e\u00edva <strong>samotn\u00e9 kupovan\u00e9 vozidlo<\/strong>, na ktor\u00e9 zlo\u017e\u00edte z\u00e1lo\u017en\u00e9 pr\u00e1vo u not\u00e1ra, \u010di vinkul\u00e1cia havarijn\u00e9ho poistenia alebo poistenia proti kr\u00e1de\u017ei v prospech banky, u ktorej \u017eiadate o \u00faver na auto.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Zhrnutie_veru_na_auto\">Zhrnutie \u00faveru na auto<\/h3><ul>\n<li>Ur\u010den\u00fd na k\u00fapu automobilu<\/li>\n<li>\u010casto m\u00e1 v\u00fdhodnej\u0161ie podmienky ako be\u017en\u00fd spotrebn\u00fd \u00faver<\/li>\n<li>Mo\u017en\u00e9 financova\u0165 80 % a\u017e 100 % hodnoty vozidla<\/li>\n<\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Kontokorentn_ver\">Kontokorentn\u00fd \u00faver<\/h3>\n\n\n\n<p id=\"u010casto_kladenu00e9_otu00e1zky\">Kontokorentn\u00fd \u00faver, alebo tie\u017e jednoducho kontokorent m\u00f4\u017eeme definova\u0165 ako\u00a0<strong>povolen\u00e9 pre\u010derpanie pe\u0148az\u00ed na<\/strong>\u00a0<strong>\u00fa\u010dte<\/strong>. Funguje ve\u013emi podobne ako vy\u0161\u0161ie spom\u00ednan\u00fd revolving. Predstavte si to tak, \u017ee vo svojej banke m\u00e1te zalo\u017een\u00fd be\u017en\u00fd bankov\u00fd \u00fa\u010det.<\/p>\n\n\n\n<p>Cel\u00fd mesiac s n\u00edm pracujete, vyber\u00e1te ur\u010dit\u00e9 finan\u010dn\u00e9 \u010diastky, no zasvieti v\u00e1m tam nula a vy op\u00e4\u0165 potrebujete peniaze.\u00a0<\/p>\n\n\n\n<p id=\"u010casto_kladenu00e9_otu00e1zky\">Teraz prich\u00e1dza na sc\u00e9nu kontokorentn\u00fd \u00faver, ktor\u00fd v\u00e1m jednoducho dovol\u00ed\u00a0<strong>\u010derpa\u0165 z bankov\u00e9ho \u00fa\u010dtu peniaze do ur\u010dit\u00e9ho m\u00ednusu.\u00a0<\/strong><\/p>\n\n\n\n<p>V\u0161etky pohyby, ktor\u00e9 po vy\u010derpan\u00ed va\u0161ich vlastn\u00fdch prostriedkov na \u00fa\u010dte uskuto\u010dn\u00edte, sa st\u00e1vaj\u00fa predmetom kontokorentn\u00e9ho \u00faveru.<\/p>\n\n\n\n<p>Poskytuje ho napr\u00edklad\u00a0<a href=\"https:\/\/financer.sk\/spolocnost\/postova-banka\/\">Po\u0161tov\u00e1 banka<\/a>.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Zhrnutie_kontokorektnho_veru\">Zhrnutie kontokorektn\u00e9ho \u00faveru<\/h3><ul>\n<li>Povolen\u00e9 pre\u010derpanie na be\u017enom \u00fa\u010dte<\/li>\n<li>Flexibiln\u00e9 \u010derpanie do stanoven\u00e9ho limitu<\/li>\n<li>Vhodn\u00fd na preklenutie kr\u00e1tkodob\u00fdch finan\u010dn\u00fdch v\u00fdkyvov<\/li>\n<\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"o_potrebujete_splni\">\u010co potrebujete splni\u0165?<\/h2>\n\n\n\n<p>Podmienky poskytovate\u013eov sa pri \u017eiadostiach o p\u00f4\u017ei\u010dku l\u00ed\u0161ia. Ak chcete po\u017eiada\u0165 o spotrebn\u00fd \u00faver, mus\u00edte sp\u013a\u0148a\u0165 nieko\u013eko z\u00e1kladn\u00fdch podmienok. V\u00e4\u010d\u0161ina b\u00e1nk m\u00e1 tieto podmienky rovnak\u00e9, l\u00ed\u0161ia sa napr\u00edklad v minim\u00e1lnych po\u017eiadavk\u00e1ch na v\u00fd\u0161ku pr\u00edjmu.<\/p>\n\n\n\n<p>Vo v\u00e4\u010d\u0161ine pr\u00edpadov v\u0161ak potrebujete:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><h3 id=\"Podmienky_na_zskanie_piky\">Podmienky na z\u00edskanie p\u00f4\u017ei\u010dky<\/h3><li><p>Vek minim\u00e1lne 18 rokov<\/p>\n<\/li><li><p>Trval\u00fd pobyt na Slovensku<\/p>\n<\/li><li><p>Stabiln\u00fd pr\u00edjem<\/p>\n<\/li><li><p>Bankov\u00fd \u00fa\u010det veden\u00fd v slovenskej banke<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Na_o_mete_vyui_spotrebn_ver\">Na \u010do m\u00f4\u017eete vyu\u017ei\u0165 spotrebn\u00fd \u00faver?<\/h2>\n\n\n\n<p id=\"u010casto_kladenu00e9_otu00e1zky\">Bank\u00e1m je vo v\u00e4\u010d\u0161ine pr\u00edpadov na \u010do spotrebn\u00fd \u00faver vyu\u017eijete. Ich zauj\u00edma najm\u00e4 va\u0161a celkov\u00e1 situ\u00e1cia, dostato\u010dn\u00fd a pravideln\u00fd pr\u00edjem a \u010dist\u00e9 <a href=\"https:\/\/financer.sk\/osobne-financie\/uverovy-register\/\">registre dl\u017en\u00edkov<\/a>.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><h3 id=\"Najastejie_ely_spotrebnho_veru\">Naj\u010dastej\u0161ie \u00fa\u010dely spotrebn\u00e9ho \u00faveru<\/h3><li><p>\u010ciasto\u010dn\u00e9 rekon\u0161trukcie dom\u00e1cnosti<\/p>\n<\/li><li><p>K\u00fapa nov\u00e9ho auta<\/p>\n<\/li><li><p>N\u00e1kup spotrebi\u010dov<\/p>\n<\/li><li><p>Konsolid\u00e1cia existuj\u00facich dlhov<\/p>\n<\/li><li><p>Financovanie dovolenky alebo v\u00fdznamn\u00fdch \u017eivotn\u00fdch udalost\u00ed<\/p>\n<\/li><\/ul><\/div>\n\n\n<p><strong>Na \u010do chcete pou\u017ei\u0165 \u00faver, je u\u017e len va\u0161a vec<\/strong>. Ke\u010f budete spl\u00e1ca\u0165 pod\u013ea podmienok zmluvy a v\u010das, nikoho \u00fa\u010del poskytnut\u00fdch financi\u00ed zauj\u00edma\u0165 nebude. My v\u00e1m medzi spotrebn\u00fdmi \u00favermi m\u00f4\u017eeme odporu\u010di\u0165 ten od <a href=\"https:\/\/financer.sk\/spolocnost\/postova-banka\/\">Po\u0161tovej banky<\/a>.<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><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;902<\/strong> kr\u00e1t<\/span><ul class=\"items-content__card-list\"><li >Najdostupnej\u0161ia banka na Slovensku<\/li><li >Patr\u00ed pod skupinu 365.bank<\/li><li >Dostupn\u00e1 p\u00f4\u017ei\u010dka s 0 % \u00farokom<\/li><li >Pred\u010dasn\u00e9 splatenie zadarmo<\/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\">Zobrazi\u0165 ponuku<\/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>","protected":false},"excerpt":{"rendered":"<p>&#8220;Peniaze nerast\u00fa na stromoch&#8220;. \u010co v\u0161ak robi\u0165, ak potrebujete nov\u00fd notebook lebo ten star\u00fd u\u017e nefunguje, alebo nov\u00e9 auto na\u2026 <\/p>\n","protected":false},"author":87,"featured_media":670,"parent":2,"menu_order":2,"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":[35,37],"_links":{"self":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/452"}],"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=452"}],"version-history":[{"count":50,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/452\/revisions"}],"predecessor-version":[{"id":78353,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/452\/revisions\/78353"}],"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\/670"}],"wp:attachment":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media?parent=452"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/categories?post=452"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/tags?post=452"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}