{"id":829,"date":"2018-08-16T23:24:40","date_gmt":"2018-08-16T21:24:40","guid":{"rendered":"https:\/\/financer.sk\/?page_id=829"},"modified":"2024-09-09T14:35:41","modified_gmt":"2024-09-09T12:35:41","slug":"splatkova-kalkulacka","status":"publish","type":"page","link":"https:\/\/financer.sk\/osobne-financie\/kalkulacka\/splatkova-kalkulacka\/","title":{"rendered":"Spl\u00e1tkov\u00e1 kalkula\u010dka"},"content":{"rendered":"\n<p>Online spl\u00e1tkov\u00e1 kalkula\u010dka v\u00e1m r\u00fdchlo poskytne <strong>preh\u013ead spl\u00e1tok, \u00farokov, platieb a zost\u00e1vaj\u00face dlhy<\/strong>. Vyu\u017eite ju a vytvorte si ucelen\u00fa predstavu o priebehu va\u0161ich spl\u00e1tok. Na rozdiel od ostatn\u00fdch spl\u00e1tkov\u00fdch kalkula\u010diek, na\u0161a pon\u00faka mo\u017enos\u0165 zvoli\u0165 si \u00favodn\u00fd poplatok banke, napr\u00edklad poplatok za spracovanie. Takto m\u00f4\u017ee by\u0165 na\u0161a kalkula\u010dka e\u0161te presnej\u0161ia.<\/p>\n\n\n\n<p>Navy\u0161e, m\u00f4\u017eete ju vyu\u017e\u00edva\u0165 aj ako hypotek\u00e1rnu kalkula\u010dku. <strong>Jej limity dovo\u013euj\u00fa zvoli\u0165 si v\u00fd\u0161ku p\u00f4\u017ei\u010dky do 100 000 EUR<\/strong> s dobou splatnosti a\u017e 50 rokov.\u00a0Tu je kr\u00e1tky n\u00e1vod, ako funguje spl\u00e1tkov\u00e1 kalkula\u010dka:<\/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\/10\/kalkulacka-2-min.png\"><img decoding=\"async\" width=\"800\" height=\"741\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2019\/10\/kalkulacka-2-min.png\" alt=\"Kalkulacka-2-min\" class=\"wp-image-4540\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/10\/kalkulacka-2-min.png 800w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/10\/kalkulacka-2-min-300x278.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/10\/kalkulacka-2-min-768x711.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/figure><\/div>\n\n\n<ul>\n<li><strong>Anuitn\u00e9 spl\u00e1canie<\/strong> &#8211; naj\u010dastej\u0161ie sa vyskytuj\u00faci sp\u00f4sob spl\u00e1cania. Za predpokladu nemenn\u00e9ho \u00faroku m\u00e1 anuitn\u00e1 spl\u00e1tka rovnak\u00fa v\u00fd\u0161ku po\u010das celej doby splatnosti p\u00f4\u017ei\u010dky alebo \u00faveru. Spl\u00e1cate ju v pravideln\u00fdch, v\u00e4\u010d\u0161inou mesa\u010dn\u00fdch intervaloch. \u00daroky st\u00e1le plat\u00edte iba z aktu\u00e1lne dlhovanej sumy. Postupom spl\u00e1cania \u00faveru kles\u00e1 podiel \u00farokov a zvy\u0161uje sa podiel zaplatenej \u010diastky<\/li>\n\n\n\n<li><strong>Line\u00e1rne spl\u00e1canie<\/strong> &#8211; Vyzna\u010duje sa t\u00fdm, \u017ee plat\u00edte ka\u017ed\u00fd mesiac rovnak\u00fa \u010diastku istiny.\u00a0Suma \u00farokov, ktor\u00e9\u00a0 spl\u00e1cate sa zni\u017euje a\u00a0t\u00fdm p\u00e1dom sa zni\u017euje aj celkov\u00e1 mesa\u010dn\u00e1 spl\u00e1tka \u00faveru. Toto spl\u00e1canie je v\u00fdhodn\u00e9 pre \u013eud\u00ed, ktor\u00ed chc\u00fa banke zaplati\u0165 \u010do najmenej \u00farokov.<\/li>\n<\/ul>\n\n\n\n<p>Po spr\u00e1vnom nastaven\u00ed spl\u00e1tkovej kalkula\u010dky sa okam\u017eite zobraz\u00ed <strong>spl\u00e1tkov\u00fd kalend\u00e1r.\u00a0<\/strong>Spl\u00e1tkov\u00e1 kalkula\u010dka v\u00e1m tak pom\u00e1ha z\u00edska\u0165 dobr\u00fd preh\u013ead o spl\u00e1tkach, ale aj sume \u00farokov a celkov\u00fdch n\u00e1kladov na \u00faver.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Je_spltkov_kalkulaka_presn\">Je spl\u00e1tkov\u00e1 kalkula\u010dka presn\u00e1?<\/h2>\n\n\n\n<p>Sna\u017e\u00edme sa o \u010do najv\u00e4\u010d\u0161iu presnos\u0165, aby sme v\u00e1m v\u00e1\u0161 \u017eivot \u010do najviac u\u013eah\u010dili. Preto sme napr\u00edklad do na\u0161ej kalkula\u010dky zahrnuli poplatky za spracovanie. Ale existuj\u00fa in\u00e9 \u010fal\u0161ie faktory, ktor\u00e9 m\u00f4\u017eu zmeni\u0165 sumy platieb, ale nie s\u00fa zahrnut\u00e9 v na\u0161ej kalkula\u010dke. Patria medzi ne\u00a0r\u00f4zne z\u013eavy alebo mo\u017enos\u0165 pred\u010dasn\u00e9ho splatenia p\u00f4\u017ei\u010dky.<\/p>\n\n\n\n<p>Tieto faktory m\u00f4\u017eu zn\u00ed\u017ei\u0165 alebo zv\u00fd\u0161i\u0165 va\u0161u v\u00fd\u0161ku spl\u00e1tok. M\u00f4\u017eeme v\u00e1s v\u0161ak ubezpe\u010di\u0165, \u017ee moment\u00e1lne sme v procese implement\u00e1cie t\u00fdchto faktorov. V bl\u00edzkej bud\u00facnosti tak bude na\u0161a spl\u00e1tkov\u00e1 kalkula\u010dka vylep\u0161en\u00e1, aby sme poskytli e\u0161te presnej\u0161ie v\u00fdsledky a aby ste vy mali menej starost\u00ed.<\/p>\n\n\n\n<p>Na to, aby ste mohli v plnej miere vyu\u017ei\u0165 n\u00e1\u0161\u00a0<strong>spl\u00e1tkov\u00fd kalend\u00e1r na mieru<\/strong>, mus\u00edte najsk\u00f4r po\u017eiada\u0165 o spotrebn\u00fd \u00faver. Dobre si zv\u00e1\u017ete, \u010di a na \u010do ho potrebujete a po\u017eiadajte o\u0148 e\u0161te dnes. Nezabudnite si v\u0161ak porovna\u0165 v\u0161etky dostupn\u00e9 ponuky a vyvarujte sa zbyto\u010dn\u00fdch ch\u00fdb.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p style=\"text-align: center;\"><strong>Tip: Vysk\u00fa\u0161ajte si v na\u0161ej kalkula\u010dke zada\u0165 v\u00fd\u0161ku p\u00f4\u017ei\u010dky 5000 EUR s dobou splatnosti napr\u00edklad 8 rokov<\/strong><\/p>\n<p>Pri \u00farokovej sadzbe 10% preplat\u00edte takmer 460 EUR. N\u00e1sledne si zme\u0148te \u00farokov\u00fa sadzbu na 15%. Na \u00farokoch preplat\u00edte viac o 262 EUR. Plat\u00ed, \u017ee \u010d\u00edm dlh\u0161ia doba splatnosti, t\u00fdm viac preplat\u00edte. Sta\u010d\u00ed zn\u00ed\u017ei\u0165 dobu splatnosti z \u00f4smich na p\u00e4\u0165 rokov a va\u0161e preplatenie klesne o takmer 300 EUR.<\/p><\/div>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Online spl\u00e1tkov\u00e1 kalkula\u010dka v\u00e1m r\u00fdchlo poskytne preh\u013ead spl\u00e1tok, \u00farokov, platieb a zost\u00e1vaj\u00face dlhy. Vyu\u017eite ju a vytvorte si ucelen\u00fa predstavu\u2026 <\/p>\n","protected":false},"author":87,"featured_media":831,"parent":824,"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":[1],"tags":[488],"_links":{"self":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/829"}],"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=829"}],"version-history":[{"count":43,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/829\/revisions"}],"predecessor-version":[{"id":77828,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/829\/revisions\/77828"}],"up":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/824"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media\/831"}],"wp:attachment":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media?parent=829"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/categories?post=829"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/tags?post=829"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}