{"id":5062,"date":"2019-10-25T20:00:15","date_gmt":"2019-10-25T18:00:15","guid":{"rendered":"https:\/\/financer.sk\/?page_id=5062"},"modified":"2024-09-17T07:35:59","modified_gmt":"2024-09-17T05:35:59","slug":"revolvingovy-uver","status":"publish","type":"page","link":"https:\/\/financer.sk\/pozicky\/revolvingovy-uver\/","title":{"rendered":"Revolvingov\u00fd \u00faver"},"content":{"rendered":"\n

Pojem revolvingov\u00fd \u00faver v\u00e1m na prv\u00e9 po\u010dutie nemus\u00ed znie\u0165 povedome. Je v\u0161ak pravdepodobn\u00e9, \u017ee ste sa s\u00a0n\u00edm u\u017e stretli. Ak ste niekedy v\u00a0\u017eivote pou\u017e\u00edvali kreditn\u00fa kartu, alebo dokonca jednu m\u00e1te pr\u00e1ve v\u00a0pe\u0148a\u017eenke, tak vyu\u017e\u00edvate typick\u00fd pr\u00edklad revolvingov\u00e9ho \u00faveru.<\/p>\n\n\n\n

\u010co je to revolvingov\u00fd \u00faver?<\/h2>\n\n\n\n

N\u00e1zov tohto \u00faveru je odvoden\u00fd od anglick\u00e9ho slova revolve<\/i>, \u010do znamen\u00e1 \u201eot\u00e1\u010da\u0165 sa\u201c. Princ\u00edp jeho fungovania je zalo\u017een\u00fd na tom, \u017ee v\u00e1m bude poskytnut\u00fd ur\u010dit\u00fd \u00faverov\u00fd limit, z\u00a0ktor\u00e9ho m\u00f4\u017eete \u010derpa\u0165 pod\u013ea potreby na \u010doko\u013evek potrebujete. Ka\u017edou \u010fal\u0161ou spl\u00e1tkou sa suma, ktor\u00fa m\u00e1te k\u00a0dispoz\u00edcii op\u00e4\u0165 zvy\u0161uje. Ak splat\u00edte cel\u00fa \u010diastku naraz, m\u00e1te znovu k\u00a0dispoz\u00edcii p\u00f4vodn\u00fa sumu.<\/p>\n\n\n\n

Ako funguje revolvingov\u00fd \u00faver?<\/h2>\n\n\n\n

Uvedieme pr\u00edklad: Po\u017eiadate o\u00a0revolvingov\u00fd \u00faver a\u00a0dostanete \u00faverov\u00fd r\u00e1mec napr\u00edklad 1000 eur s\u00a0danou minim\u00e1lnou spl\u00e1tkou 50 eur. 800 eur miniete napr\u00edklad na nov\u00fa chladni\u010dku a\u00a0k\u00a0dispoz\u00edcii m\u00e1te e\u0161te 200 eur.<\/p>\n\n\n\n

Po prvej spl\u00e1tke budete ma\u0165 k\u00a0dispoz\u00edcii 250 eur, po tej \u010fal\u0161ej u\u017e 300 a\u00a0tak \u010falej. Ka\u017edou \u010fal\u0161ou spl\u00e1tkou sa zvy\u0161uje suma, z\u00a0ktorej m\u00f4\u017eete pou\u017ei\u0165 na \u010fal\u0161ie n\u00e1kupy a\u00a0to v\u0161etko bez \u010fal\u0161ej \u017eiadosti o\u00a0p\u00f4\u017ei\u010dku. Jednoducho opakovane vyu\u017e\u00edvate jeden a\u00a0ten ist\u00fd \u00faver \u2013 peniaze sa teda doslova \u201eto\u010dia\u201c.<\/p>\n\n\n\n

Naj\u010dastej\u0161ou podobou revolvingov\u00e9ho \u00faveru je u\u017e spom\u00ednan\u00e1 kreditka, ktor\u00e1 v\u00e1m posl\u00fa\u017ei podobne ako ka\u017ed\u00e1 in\u00e1 platobn\u00e1 karta. Be\u017en\u00e9 banky nezvykn\u00fa zaradzova\u0165 do portf\u00f3lia revolvingov\u00fd \u00faver ako samostatn\u00fd produkt, no zvykn\u00fa pon\u00faka\u0165 povolen\u00e9 pre\u010derpanie k\u00a0be\u017en\u00e9mu \u00fa\u010dtu.<\/b><\/p>\n\n\n\n

Na Slovensku teda revolvingov\u00fd \u00faver nie je ve\u013emi roz\u0161\u00edren\u00fd. Z\u00edska\u0165 ho m\u00f4\u017eete\u00a0dvoch spolo\u010dnostiach, a\u00a0to Home Credit<\/a> a\u00a0Cetelem<\/a>.<\/p>\n\n\n\n\t\t

Porovnajte p\u00f4\u017ei\u010dky od 19 poskytovate\u013eov<\/h3>

N\u00e1jdite najlacnej\u0161iu sadzbu jedn\u00fdm kliknut\u00edm<\/p>

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Porovna\u0165 ponuky<\/a><\/div>\t\t<\/div>

Ko\u013eko si m\u00f4\u017eem po\u017ei\u010da\u0165?<\/h2>\n\n\n\n

V\u00fd\u0161ka \u00faverov\u00e9ho r\u00e1mca pri revolvingu b\u00fdva ur\u010dovan\u00e1 individu\u00e1lne na z\u00e1klade v\u00e1\u0161ho pr\u00edjmu, pr\u00edpadne \u010fal\u0161\u00edch faktorov. Home Credit v\u00e1m vie poskytn\u00fa\u0165 \u00faver vo v\u00fd\u0161ke od 400 do 10 000 EUR, Cetelem pon\u00faka \u00faverov\u00fd r\u00e1mec do v\u00fd\u0161ky 5\u00a0000 EUR.<\/p>\n\n\n

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Pozor!<\/h3>

V\u00a0\u00faverovom registri bude uveden\u00e1 pln\u00e1 v\u00fd\u0161ka revolvingov\u00e9ho \u00faveru, bez oh\u013eadu na to \u010di ho \u010derp\u00e1te alebo nie. Ak by ste teda mali kreditn\u00fa kartu s\u00a0limitom 1\u00a0500 eur, ktorej ste sa e\u0161te ani nedotkli, v\u00a0registri bude svieti\u0165 z\u00e1znam o\u00a0jej vy\u010derpan\u00ed. Tento fakt m\u00f4\u017ee do istej miery skomplikova\u0165 va\u0161u situ\u00e1ciu, ak budete \u017eiada\u0165 napr\u00edklad o\u00a0\u010fal\u0161iu p\u00f4\u017ei\u010dku v\u00a0banke.<\/p><\/div>\n\n\n

Revolvingov\u00fd \u00faver \u2013 podmienky<\/h2>\n\n\n\n

Pokia\u013e ste sa rozhodli pre revolvingov\u00fd \u00faver, mus\u00edte sp\u013a\u0148a\u0165 nieko\u013eko krit\u00e9rii:<\/p>\n\n\n\n