{"id":18263,"date":"2022-01-13T20:00:00","date_gmt":"2022-01-13T19:00:00","guid":{"rendered":"https:\/\/financer.sk\/?p=18263"},"modified":"2024-09-09T14:13:58","modified_gmt":"2024-09-09T12:13:58","slug":"top-10-najlepsich-financnych-spolocnosti-2022","status":"publish","type":"post","link":"https:\/\/financer.sk\/osobne-financie\/clanky\/top-10-najlepsich-financnych-spolocnosti-2022\/","title":{"rendered":"TOP 10 najlep\u0161\u00edch spolo\u010dnost\u00ed na slovenskom trhu v roku 2024"},"content":{"rendered":"<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3>K\u013e\u00fa\u010dov\u00e9 zistenia<\/h3><ul>\n<li><strong>159<\/strong> recenzi\u00ed zo Slovenska vs. <strong>7 136<\/strong> recenzi\u00ed na v\u0161etk\u00fdch trhoch<\/li>\n<li>Priemern\u00e1 recenzia na Slovensku m\u00e1 <strong>3,58<\/strong>\u00a0bodu z 5<\/li>\n<li>Priemern\u00e1 recenzia na v\u0161etk\u00fdch trhoch m\u00e1 <strong>3,60<\/strong> bodu z 5<\/li>\n<li>Najvy\u0161\u0161ie (5) sk\u00f3re recenzi\u00ed na Slovensku tvor\u00ed <strong>37,82 %<\/strong><\/li>\n<li>Najni\u017e\u0161ie (1) sk\u00f3re recenzi\u00ed na Slovensku tvor\u00ed <strong>17,95 %<\/strong><\/li>\n<\/ul><\/div>\n\n\n<p>Pre\u010d\u00edtajte si viac o <a href=\"#kriteria\" data-type=\"internal\" data-id=\"#kriteria\">krit\u00e9ri\u00e1ch n\u00e1\u0161ho hodnotenia<\/a> a pozrite si ni\u017e\u0161ie uveden\u00e9 <a href=\"#charts\">tabu\u013eky a rebr\u00ed\u010dky<\/a>, kde n\u00e1jdete \u010fal\u0161ie inform\u00e1cie o tom, ako sme postupovali pri ur\u010dovan\u00ed najlep\u0161\u00edch finan\u010dn\u00fdch spolo\u010dnost\u00ed na Slovensku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"TOP_10_finannch_spolonost_na_slovenskom_trhu\">TOP 10 finan\u010dn\u00fdch spolo\u010dnost\u00ed na slovenskom trhu<\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table class=\"has-fixed-layout\"><thead><tr><th>Poz\u00edcia<\/th><th>Spolo\u010dnos\u0165<\/th><th>Hodnotenie<\/th><\/tr><\/thead><tbody><tr><td>\ud83e\udd47\u00a0<strong>1<\/strong><\/td><td><img decoding=\"async\" width=\"150\" height=\"67\" class=\"wp-image-5394\" style=\"width: 150px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2019\/11\/axa.png\" alt=\"axa-logo\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/11\/axa.png 360w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/11\/axa-300x133.png 300w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/td><td><strong>5,00<\/strong><\/td><\/tr><tr><td>\ud83e\udd48\u00a0<strong>2<\/strong><\/td><td><img decoding=\"async\" width=\"150\" height=\"50\" class=\"wp-image-3980\" style=\"width: 150px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2019\/08\/estateguru-logo.png\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/08\/estateguru-logo.png 1069w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/08\/estateguru-logo-300x101.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/08\/estateguru-logo-1024x344.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/08\/estateguru-logo-768x258.png 768w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/td><td><strong>4,86<\/strong><\/td><\/tr><tr><td>\ud83e\udd49\u00a0<strong>3<\/strong><\/td><td><img decoding=\"async\" width=\"150\" height=\"68\" class=\"wp-image-5147\" style=\"width: 150px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2019\/08\/mintos.png\" alt=\"mintos-logo-new\"><\/td><td><strong>4,70<\/strong><br><\/td><\/tr><tr><td><strong>4<\/strong><\/td><td><img decoding=\"async\" width=\"150\" height=\"44\" class=\"wp-image-4258\" style=\"width: 150px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2019\/08\/port-top-logo-1-e1641845010183.png\" alt=\"port-invest\"><\/td><td><strong>4,33<\/strong><\/td><\/tr><tr><td><strong>5<\/strong><\/td><td><img decoding=\"async\" width=\"150\" height=\"46\" class=\"wp-image-4456\" style=\"width: 150px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2019\/01\/port-system-logo.png\" alt=\"PORT-system-logo\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/01\/port-system-logo.png 720w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/01\/port-system-logo-300x92.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/01\/port-system-logo-702x220.png 702w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/td><td><strong>4,19<\/strong><\/td><\/tr><tr><td><strong>6<\/strong><\/td><td><img decoding=\"async\" width=\"150\" height=\"46\" class=\"wp-image-1428\" style=\"width: 150px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/09\/hyperpozicka.png\" alt=\"hyperpozicka\"><\/td><td><strong>4,07<\/strong><\/td><\/tr><tr><td><strong>7<\/strong><\/td><td><img decoding=\"async\" width=\"150\" height=\"32\" class=\"wp-image-10955\" style=\"width: 150px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/10\/vub_banka_logo.png\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/10\/vub_banka_logo.png 370w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2018\/10\/vub_banka_logo-300x63.png 300w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/td><td><strong>3,93<\/strong><\/td><\/tr><tr><td><strong>8<\/strong><\/td><td><img decoding=\"async\" width=\"150\" height=\"46\" class=\"wp-image-652\" style=\"width: 150px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/08\/mbank-logo.jpg\" alt=\"Mbank-logo-financer\"><\/td><td><strong>3,54<\/strong><\/td><\/tr><tr><td><strong>9<\/strong><\/td><td><img decoding=\"async\" width=\"150\" height=\"74\" class=\"wp-image-10954\" style=\"width: 150px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/08\/oranz-postova-banka-logo-4xmin_velkost-rgb.png\" 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: 150px) 100vw, 150px\" \/><\/td><td><strong>3,10<\/strong><\/td><\/tr><tr><td><strong>10<\/strong><\/td><td><img decoding=\"async\" width=\"150\" height=\"70\" class=\"wp-image-15587\" style=\"width: 150px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/11\/zlty-melon-logo-e1641845032458.png\" alt=\"\u017elt\u00fd_mel\u00f3n-logo\"><\/td><td><strong>3,02<\/strong><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">TOP 10 finan\u010dn\u00fdch spolo\u010dnost\u00ed p\u00f4sobiacich na slovenskom trhu<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"i1_AXA\">1. AXA<\/h2>\n\n\n\n<p><strong>Hodnotenie: 5,00<\/strong><\/p>\n\n\n\n<p>Najvy\u0161\u0161ie hodnotenie spomedzi v\u0161etk\u00fdch spolo\u010dnost\u00ed na na\u0161om webe z\u00edskala pois\u0165ovna AXA. <strong>T\u00e1 je ob\u013e\u00faben\u00e1 predov\u0161etk\u00fdm v\u010faka svojmu cestovn\u00e9mu poisteniu<\/strong>.<\/p>\n\n\n\n<p>To s\u00edce vzh\u013eadom na situ\u00e1ciu s koronav\u00edrusom neza\u017e\u00edva najjednoduch\u0161ie obdobie, no na na\u0161om webe patr\u00ed medzi najvyberanej\u0161ie produkty.<\/p>\n\n\n\n<p>AXA pon\u00faka, podobne ako in\u00e9 slovensk\u00e9 pois\u0165ovne, kompletn\u00e9 portf\u00f3lio pois\u0165ovac\u00edch produktov.<\/p>\n\n\n\n<p>Pozrite sa na jej najv\u00e4\u010d\u0161ie v\u00fdhody a nev\u00fdhody:<\/p>\n\n\n<h3 id=\"Vhody\">V\u00fdhody<\/h3><br><ul><li>\u0160irok\u00e9 portf\u00f3lio pois\u0165ovac\u00edch produktov<\/li><li>Ob\u013e\u00faben\u00e9 cestovn\u00e9 poistenie<\/li><li>Dobr\u00e1 z\u00e1kazn\u00edcka podpora<\/li><\/ul>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Nevhody\">Nev\u00fdhody<\/h3><li>\n<p>Drah\u0161ie havarijn\u00e9 poistenie<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.sk\/spolocnost\/axa\/\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_blank\"  rel=\"nofollow\">Nav\u0161t\u00edvi\u0165 str\u00e1nku<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"i2_EstateGuru\">2. EstateGuru<\/h2>\n\n\n\n<p><strong>Hodnotenie: 4,86<\/strong><\/p>\n\n\n\n<p>EstateGuru je est\u00f3nska platforma, ktor\u00e1 sprostredk\u00fava mal\u00fdm investorom mo\u017enos\u0165 <a href=\"https:\/\/financer.sk\/sporenie\/investovanie-do-nehnutelnosti\/\" data-type=\"page\" data-id=\"5566\">investova\u0165 do nehnute\u013enost\u00ed <\/a>u\u017e od 50 EUR s ro\u010dn\u00fdm v\u00fdnosom na \u00farovni 11%.<\/p>\n\n\n\n<p>Jej pou\u017e\u00edvatelia najviac vyzdvihuj\u00fa pr\u00edvetivos\u0165 a jednoduchos\u0165 u\u017e\u00edvate\u013esk\u00e9ho prostredia. Navy\u0161e platforma pon\u00faka mo\u017enos\u0165 sekund\u00e1rneho trhu, automatick\u00e9ho investovania a to do nehnute\u013enost\u00ed zabezpe\u010dn\u00fdch hypot\u00e9kov v \u0161iestich eur\u00f3pskych \u0161t\u00e1toch.<\/p>\n\n\n\n<p>O tejto ob\u013e\u00fabenej investi\u010dnej mo\u017enosti st\u00e1le netu\u0161\u00ed ve\u013ea Slov\u00e1kov. My sme sa na \u0148u pozreli bli\u017e\u0161ie v <a href=\"https:\/\/financer.sk\/spolocnost\/estateguru\/\" data-type=\"company_single\" data-id=\"3974\">tejto komplexnej recenzii<\/a>.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Vhody\">V\u00fdhody<\/h3><li>\n<p>Mo\u017enos\u0165 investova\u0165 u\u017e od 50 EUR<\/p>\n<\/li><li>\n<p>Automatick\u00e9 investovanie<\/p>\n<\/li><li>\n<p>Sekund\u00e1rny trh<\/p>\n<\/li><li>\n<p>Stabiln\u00fd v\u00fdnos na \u00farovni 11%<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Nevhody\">Nev\u00fdhody<\/h3><li>\n<p>Limitovan\u00e9 mo\u017enosti diverzifik\u00e1cie<\/p>\n<\/li><li>\n<p>Ch\u00fdbaj\u00faci slovensk\u00fd alebo \u010desk\u00fd jazyk<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.sk\/spolocnost\/estateguru\/\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_blank\"  rel=\"nofollow\">Nav\u0161t\u00edvi\u0165 str\u00e1nku<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"i3_Mintos\">3. Mintos<\/h2>\n\n\n\n<p><strong>Hodnotenie: 4,70<\/strong><\/p>\n\n\n\n<p>Mintos je \u010fal\u0161ia investi\u010dn\u00e1 platforma, ktor\u00e1 sprostredk\u00fava mo\u017enos\u0165 investovania do takzvan\u00fdch P2P, alebo <a href=\"https:\/\/financer.sk\/pozicky\/pozicky-od-ludi\/\" data-type=\"page\" data-id=\"2111\">kolekt\u00edvnych p\u00f4\u017ei\u010diek<\/a>.<\/p>\n\n\n\n<p>U investorov je ob\u013e\u00faben\u00e1 najm\u00e4 pre mo\u017enos\u0165 investova\u0165 u\u017e od 10 EUR, \u010do znamen\u00e1, \u017ee za\u010da\u0165 m\u00f4\u017eete naozaj s m\u00e1lom.<\/p>\n\n\n\n<p>V poslednom obdob\u00ed s\u00edce za\u017e\u00edva aj vplyvom koronav\u00edrusu pomal\u00fd \u00fastup zo svojich niekdaj\u0161\u00edch poz\u00edci\u00ed, no st\u00e1le je ve\u013emi ob\u013e\u00faben\u00e1.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Vhody\">V\u00fdhody<\/h3><li>\n<p>Dobr\u00e9 mo\u017enosti diverzifik\u00e1cie<\/p>\n<\/li><li>\n<p>N\u00edzky minim\u00e1lny vklad u\u017e od 10 EUR<\/p>\n<\/li><li>\n<p>Dostupn\u00e9 v \u010deskom jazyku<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Nevhody\">Nev\u00fdhody<\/h3><li>\n<p>Rizik\u00e1 nie je mo\u017en\u00e9 v\u017edy dobre odhadn\u00fa\u0165<\/p>\n<\/li><li>\n<p>Platforma za\u017e\u00edva \u00fastup zo svojich poz\u00edci\u00ed<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.sk\/spolocnost\/mintos\/\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_blank\"  rel=\"nofollow\">Nav\u0161t\u00edvi\u0165 str\u00e1nku<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"i4_Port_Invest\">4. Port Invest<\/h2>\n\n\n\n<p><strong>Hodnotenie: 4,33<\/strong><\/p>\n\n\n\n<p>\u0160tvrt\u00e9 miesto v na\u0161om rebr\u00ed\u010dku op\u00e4\u0165 patr\u00ed investi\u010dnej platforme. PORT Invest je slovensk\u00e1 P2P platforma, ktor\u00e1 pon\u00faka mo\u017enos\u0165 investova\u0165 podobne ako Mintos, teda do kolekt\u00edvnych p\u00f4\u017ei\u010diek.<\/p>\n\n\n\n<p>Vznikla pomerne ned\u00e1vno, no st\u00e1le sa te\u0161\u00ed ob\u013eube aj napriek svojmu pomerne vysok\u00e9mu prvotn\u00e9mu vkladu, ktor\u00fd je 500 EUR.<\/p>\n\n\n\n<p>Na druhej strane, v porovnan\u00ed s konkurenciou pon\u00faka najvy\u0161\u0161\u00ed v\u00fdnos vo v\u00fd\u0161ke pribli\u017ene 20% ro\u010dne.<\/p>\n\n\n\n<p>Pre\u010d\u00edtajte si viac o <a href=\"https:\/\/financer.sk\/spolocnost\/port-invest\/\" data-type=\"company_single\" data-id=\"3976\">platforme PORT Invest<\/a><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Vhody\">V\u00fdhody<\/h3><li>\n<p>Slovensk\u00e1 platforma<\/p>\n<\/li><li>\n<p>V\u00fdnos na \u00farovni 20% ro\u010dne<\/p>\n<\/li><li>\n<p>Mo\u017enos\u0165 automatick\u00e9ho investovania<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Nevhody\">Nev\u00fdhody<\/h3><li>\n<p>Vy\u0161\u0161\u00ed minim\u00e1lny vklad a\u017e 500 EUR<\/p>\n<\/li><li>\n<p>Rizik\u00e1 nie je mo\u017en\u00e9 v\u017edy presne odhadn\u00fa\u0165<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.sk\/spolocnost\/port-invest\/\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_blank\"  rel=\"nofollow\">Nav\u0161t\u00edvi\u0165 str\u00e1nku<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"i5_Port_System\">5. Port System<\/h2>\n\n\n\n<p><strong>Hodnotenie: 4,19<\/strong><\/p>\n\n\n\n<p><strong>Piate miesto patr\u00ed nebankovej spolo\u010dnosti PORT System<\/strong>, ktor\u00e1 pon\u00faka r\u00fdchle p\u00f4\u017ei\u010dky do 500 EUR so splatnos\u0165ou do 30 dn\u00ed prostredn\u00edctvom aukcie.<\/p>\n\n\n\n<p>Je vyh\u013ead\u00e1van\u00e1 predov\u0161etk\u00fdm pre svoju r\u00fdchlos\u0165 schva\u013eovania a \u017eiadne skryt\u00e9 poplatky. Od za\u010diatku viete, ko\u013eko a kedy mus\u00edte v pr\u00edpade \u010derpania p\u00f4\u017ei\u010dky zaplati\u0165.<\/p>\n\n\n\n<p>Da\u0148ou za pomerne vysok\u00fa mieru schva\u013eovate\u013enosti s\u00fa vysok\u00e9 auk\u010dn\u00e9 poplatky.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Vhody\">V\u00fdhody<\/h3><li>\n<p>R\u00fdchle vyplatenie pe\u0148az\u00ed na \u00fa\u010det<\/p>\n<\/li><li>\n<p>Vysok\u00e1 miera schva\u013eovate\u013enosti<\/p>\n<\/li><li>\n<p>P\u00f4\u017ei\u010dka aj bez registra a dokladovania pr\u00edjmu<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Nevhody\">Nev\u00fdhody<\/h3><li>\n<p>Vysok\u00fd auk\u010dn\u00fd poplatok<\/p>\n<\/li><li>\n<p>P\u00f4\u017ei\u010dka len do 500 EUR<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.sk\/spolocnost\/port-system\/\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_blank\"  rel=\"nofollow\">Nav\u0161t\u00edvi\u0165 str\u00e1nku<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"i6_Hyperpika\">6. Hyperp\u00f4\u017ei\u010dka<\/h2>\n\n\n\n<p><strong>Hodnotenie: 4,07<\/strong><\/p>\n\n\n\n<p>\u0160ieste miesto patr\u00ed spolo\u010dnosti, respekt\u00edve produktu s n\u00e1zvom Hyperp\u00f4\u017ei\u010dka. T\u00e1 je na na\u0161om webe v\u00f4bec najvyberanej\u0161ia, <strong>na\u0161i \u010ditatelia a n\u00e1v\u0161tevn\u00edci si ju vybrali u\u017e rekordn\u00fdch viac ako 53 000-kr\u00e1t<\/strong>.<\/p>\n\n\n\n<p>Aj napriek vysok\u00e9mu po\u010dtu v\u00fdberov tohto produktu si dlhodobo dr\u017e\u00ed stabiln\u00e9 hodnotenie na \u00farovni 4 bodu z 5.<\/p>\n\n\n\n<p>Jej \u010derpatelia najviac vyzdvihuj\u00fa \u00faroky a poplatky, ale aj samotn\u00fa flexibilitu poskytovate\u013ea.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Vhody\">V\u00fdhody<\/h3><li>\n<p>Individu\u00e1lne mo\u017enosti \u010derpania \u00faveru<\/p>\n<\/li><li>\n<p>Okam\u017eit\u00e9 online spracovanie \u017eiadosti<\/p>\n<\/li><li>\n<p>Vysok\u00e1 miera schva\u013eovate\u013enosti<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Nevhody\">Nev\u00fdhody<\/h3><li>\n<p>Vy\u0161\u0161ie \u00farokov\u00e9 sadzby<\/p>\n<\/li><li>\n<p>Spolo\u010dnos\u0165 nie je priamym poskytovate\u013eom \u00faverov<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.sk\/spolocnost\/hyperpozicka\/\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_blank\"  rel=\"nofollow\">Nav\u0161t\u00edvi\u0165 str\u00e1nku<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"i7_VB_banka\">7. V\u00daB banka<\/h2>\n\n\n\n<p><strong>Hodnotenie: 3,93<\/strong><\/p>\n\n\n\n<p>Najlep\u0161ia banka v na\u0161om rebr\u00ed\u010dku sa umiestnila a\u017e na 7. mieste. Je to V\u0161eobecn\u00e1 \u00faverov\u00e1 banka, respekt\u00edve v skratke V\u00daB.<\/p>\n\n\n\n<p><strong>Jej pou\u017e\u00edvatelia vyzdvihuj\u00fa predov\u0161etk\u00fdm funkcionalitu webu a internetov\u00e9ho bankovn\u00edctva<\/strong>, medzi najv\u00e4\u010d\u0161ie slabiny patria samotn\u00e9 \u00faroky a poplatky spojen\u00e9 s poskytovan\u00edm p\u00f4\u017ei\u010diek.<\/p>\n\n\n\n<p>Banka v s\u00fa\u010dasnosti pon\u00faka klasick\u00e9 portf\u00f3lio bankov\u00fdch produktov od spotrebn\u00fdch \u00faverov, cez hypot\u00e9ky a sporiace \u00favery a\u017e po investi\u010dn\u00e9 produkty.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Vhody\">V\u00fdhody<\/h3><li>\n<p>Jednoduch\u00fd a preh\u013eadn\u00fd internet banking<\/p>\n<\/li><li>\n<p>Spotrebn\u00fd \u00faver a\u017e do 30 000 EUR<\/p>\n<\/li><li>\n<p>Stabiln\u00e1 a etablovan\u00e1 banka<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Nevhody\">Nev\u00fdhody<\/h3><li>\n<p>Poplatok 4% z v\u00fd\u0161ky istiny za vybavenie p\u00f4\u017ei\u010dky<\/p>\n<\/li><li>\n<p>Vy\u0161\u0161ie \u00faroky v porovnan\u00ed s konkurenciou<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.sk\/spolocnost\/vub\/\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_blank\"  rel=\"nofollow\">Nav\u0161t\u00edvi\u0165 str\u00e1nku<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"i8_mBank\">8. mBank<\/h2>\n\n\n\n<p><strong>Hodnotenie: 3,54<\/strong><\/p>\n\n\n\n<p>\u010eal\u0161ou bankou, tentokr\u00e1t na \u00f4smom mieste v na\u0161om rebr\u00ed\u010dku je mBank, ktorej hlavn\u00e9 s\u00eddlo je v susednom Po\u013esku.<\/p>\n\n\n\n<p><strong>Na na\u0161om webe si dr\u017e\u00ed hodnotenie 3,54 z 5 bodov<\/strong>, jej najv\u00e4\u010d\u0161ou v\u00fdhodou je pod\u013ea hodnotiacich pou\u017e\u00edvate\u013eov podpora a z\u00e1kazn\u00edcky servis.<\/p>\n\n\n\n<p>Naopak, medzi nev\u00fdhody pou\u017e\u00edvatelia zaradzuj\u00fa predov\u0161etk\u00fdm vy\u0161\u0161ie poplatky a \u00faroky, najm\u00e4 ak ste so spl\u00e1tkami v ome\u0161kan\u00ed.<\/p>\n\n\n\n<p>Na druhej strane, ako jedna z m\u00e1la b\u00e1nk poskytuje p\u00f4\u017ei\u010dku s 0% \u00farokom len s poplatkom za poskytnutie.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Vhody\">V\u00fdhody<\/h3><li>\n<p>Intuit\u00edvne mobiln\u00e9 bankovn\u00edctvo<\/p>\n<\/li><li>\n<p>Dobr\u00e1 z\u00e1kazn\u00edcka podpora a servis<\/p>\n<\/li><li>\n<p>Mo\u017enos\u0165 \u010derpa\u0165 bez\u00faro\u010dn\u00fa p\u00f4\u017ei\u010dku<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Nevhody\">Nev\u00fdhody<\/h3><li>\n<p>Vy\u0161\u0161ie poplatky ak ste v ome\u0161kan\u00ed so spl\u00e1tkami<\/p>\n<\/li><li>\n<p>\u00dazka sie\u0165 kamenn\u00fdch pobo\u010diek na Slovensku<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.sk\/spolocnost\/mbank\/\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_blank\"  rel=\"nofollow\">Nav\u0161t\u00edvi\u0165 str\u00e1nku<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"i9_Potov_banka\">9. Po\u0161tov\u00e1 banka<\/h2>\n\n\n\n<p><strong>Hodnotenie: 3,10<\/strong><\/p>\n\n\n\n<p>Tre\u0165ou bankou v na\u0161om rebr\u00ed\u010dku je Po\u0161tov\u00e1 banka, ktorej hodnotenie je 3,10 bodu z 5. Pred nieko\u013ek\u00fdmi mesiacmi do\u0161lo k jej splynutiu s p\u00f4vodne od\u0161tepn\u00fdm z\u00e1vodom a sesterskou 365 bank.<\/p>\n\n\n\n<p>T\u00e1 sa s\u00edce na za\u010diatku profilovala ako v\u00fdsostne online banka, no v\u010faka u\u017e\u0161ej spolupr\u00e1ci dnes na Slovensku n\u00e1jdete aj kamenn\u00e9 pobo\u010dky tejto banky.<\/p>\n\n\n\n<p><strong>Hodnotiaci u\u017e\u00edvatelia najviac na slu\u017eb\u00e1ch Po\u0161tovej banky vyzdvihuj\u00fa dobre funguj\u00facu z\u00e1kazn\u00edcku podporu<\/strong>, nep\u00e1\u010dia sa im vy\u0161\u0161ie \u00faroky a poplatky.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Vhody\">V\u00fdhody<\/h3><li>\n<p>Dostupnos\u0165 na ka\u017edej Po\u0161te<\/p>\n<\/li><li>\n<p>\u0160irok\u00e9 portf\u00f3lio produktov<\/p>\n<\/li><li>\n<p>P\u00f4\u017ei\u010dka aj bez dokladovania pr\u00edjmu<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Nevhody\">Nev\u00fdhody<\/h3><li>\n<p>Vy\u0161\u0161ie poplatky a pokuty v pr\u00edpade nespl\u00e1cania<\/p>\n<\/li><li>\n<p>Vy\u0161\u0161ie priemern\u00e9 v\u00fd\u0161ky spl\u00e1tok<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.sk\/spolocnost\/postova-banka\/\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_blank\"  rel=\"nofollow\">Nav\u0161t\u00edvi\u0165 str\u00e1nku<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"i10_lt_meln\">10. \u017dlt\u00fd mel\u00f3n<\/h2>\n\n\n\n<p><strong>Hodnotenie: 3,02<\/strong><\/p>\n\n\n\n<p>Posledn\u00e9 desiate miesto v na\u0161om rebr\u00ed\u010dku patr\u00ed alternat\u00edvnej platforme \u017dlt\u00fd mel\u00f3n. <strong>T\u00e1 na Slovensku poskytuje kolekt\u00edvne p\u00f4\u017ei\u010dky od \u013eud\u00ed u\u017e od roku 2012<\/strong>.<\/p>\n\n\n\n<p>Bez pr\u00edtomnosti banky sp\u00e1ja t\u00fdch, ktor\u00ed si potrebuj\u00fa po\u017ei\u010da\u0165 s t\u00fdmi, ktor\u00ed by svoje nadbyto\u010dn\u00e9 finan\u010dn\u00e9 prostriedky radi zhodnotil<\/p>\n\n\n\n<p>Na\u0161i u\u017e\u00edvatelia najviac pochva\u013euj\u00fa pr\u00edvetiv\u00e9 a \u013eahko ovl\u00e1date\u013en\u00e9 u\u017e\u00edvate\u013esk\u00e9 rozhranie, no n\u00e1jdu sa aj tak\u00ed, ktor\u00ed kritizuj\u00fa n\u00e1ro\u010dn\u00e9 krit\u00e9ria v\u00fdberu pri schva\u013eovan\u00ed p\u00f4\u017ei\u010dky.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Vhody\">V\u00fdhody<\/h3><li>\n<p>Ro\u010dn\u00e9 \u00farokov\u00e9 sadzby lep\u0161ie ako v komer\u010dn\u00fdch bank\u00e1ch<\/p>\n<\/li><li>\n<p>Fixn\u00fd \u00farok po\u010das celej doby spl\u00e1cania<\/p>\n<\/li><li>\n<p>\u017diadne skryt\u00e9 poplatky a netransparentn\u00e9 podmienky<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Nevhody\">Nev\u00fdhody<\/h3><li>\n<p>N\u00e1ro\u010dn\u00e9 hodnotiace krit\u00e9ri\u00e1<\/p>\n<\/li><li>\n<p>Dlh\u0161\u00ed proces schva\u013eovania p\u00f4\u017ei\u010dky<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.sk\/spolocnost\/zlty-melon\/\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_blank\"  rel=\"nofollow\">Nav\u0161t\u00edvi\u0165 str\u00e1nku<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Kritri_pre_zostavenie_hodnotenia\">Krit\u00e9ri\u00e1 pre zostavenie hodnotenia<\/h2>\n\n\n\n<p>Na zostavenie hodnotenia sme analyzovali v\u0161etky pou\u017e\u00edvate\u013emi vytvoren\u00e9 recenzie finan\u010dn\u00fdch spolo\u010dnost\u00ed na na\u0161ej str\u00e1nke za 36 mesiacov na 26 trhoch, na ktor\u00fdch moment\u00e1lne p\u00f4sob\u00edme.<\/p>\n\n\n\n<p>Rozsah vstupov hodnotenia tvoria cel\u00e9 \u010d\u00edsla od 1 (najni\u017e\u0161ie sk\u00f3re) do 5 (najvy\u0161\u0161ie sk\u00f3re). Odstr\u00e1nili sme tie\u017e recenzie n\u00edzkej kvality a potenci\u00e1lne spamov\u00e9 recenzie, aby sme zachovali \u010do najobjekt\u00edvnej\u0161ie hodnotenia.<\/p>\n\n\n\n<p>Po\u010das na\u0161ej anal\u00fdzy sme zaokr\u00fahlili v\u0161etky sk\u00f3re recenzi\u00ed na najbli\u017e\u0161ie desatinn\u00e9 miesto a pre v\u0161etky prezentovan\u00e9 priemery sme pou\u017eili met\u00f3du v\u00fdpo\u010dtu v\u00e1\u017een\u00e9ho priemeru.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Nae_rebrky\">Na\u0161e rebr\u00ed\u010dky<\/h2>\n\n\n\n<p>Pre lep\u0161iu ilustr\u00e1ciu na\u0161ich zisten\u00ed sme vytvorili nieko\u013eko grafov vr\u00e1tane toho, ako sa sk\u00f3re recenzi\u00ed na Slovensku porovn\u00e1va s glob\u00e1lnym sk\u00f3re a ako s\u00fa recenzie rozdelen\u00e9 v r\u00e1mci na\u0161ich 26 trhov.<\/p>\n\n\n\n<p>Vytvorili sme nasleduj\u00face grafy:<\/p>\n\n\n\n<ul>\n<li>Tabu\u013eka priemern\u00e9ho hodnotenia<\/li>\n\n\n\n<li>Priemern\u00e9 hodnotenie vs. glob\u00e1lne hodnotenie<\/li>\n\n\n\n<li>Distrib\u00facia hodnoten\u00ed v r\u00e1mci jednotliv\u00fdch trhov<\/li>\n\n\n\n<li>Glob\u00e1lna distrib\u00facia hodnoten\u00ed<\/li>\n\n\n\n<li>Distrib\u00facia hodnoten\u00ed na Slovensku<\/li>\n<\/ul>\n\n\n\n<p>Ni\u017e\u0161ie s\u00fa uveden\u00e9 na\u0161e zistenia so sprievodn\u00fdmi grafmi, ktor\u00e9 poskytuj\u00fa podrobn\u00e9 \u00fadaje o finan\u010dn\u00fdch spolo\u010dnostiach na Slovensku a o tom, ako sme ur\u010dili 10 najlep\u0161\u00edch.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Tabuka_priemernho_hodnotenia\">Tabu\u013eka priemern\u00e9ho hodnotenia<\/h3>\n\n\n\n<div style=\"text-align:center\"><iframe width=\"608\" height=\"376\" seamless=\"\" frameborder=\"0\" scrolling=\"\u201cyes\u201d\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/e\/2PACX-1vQUDIYwrmqge3X9_UXeKGtmm9yyX6AILk9sZJ4b0-irOV_T1ohgmX2SsH6yLwOlvYB9n_hU117Nrzlz\/pubchart?oid=283776598&amp;format=interactive\"><\/iframe><\/div>\n\n\n\n<p>T\u00e1to tabu\u013eka ukazuje priemern\u00e9 sk\u00f3re hodnotenia v\u0161etk\u00fdch spolo\u010dnost\u00ed na v\u0161etk\u00fdch 26 akt\u00edvnych trhoch spolo\u010dnosti Financer.com. <a href=\"https:\/\/financer.sk\/spolocnost\/\">Slovensk\u00e9 finan\u010dn\u00e9 spolo\u010dnosti<\/a> maj\u00fa priemern\u00e9 hodnotenie 3,58 z 5.<\/p>\n\n\n\n<p><strong>Trhy, na ktor\u00fdch dosiahli finan\u010dn\u00e9 spolo\u010dnosti najvy\u0161\u0161ie priemern\u00e9 sk\u00f3re s\u00fa N\u00f3rsko (a\u017e 4,57 z 5.) a Taliansko (4,50 z 5)<\/strong>. Na druhej strane rebr\u00ed\u010dka je \u0160v\u00e9dsko s priemern\u00fdm sk\u00f3re (1,94 z 5)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Priemern_hodnotenie_vs_globlne_hodnotenie\">Priemern\u00e9 hodnotenie vs. glob\u00e1lne hodnotenie<\/h3>\n\n\n\n<div style=\"text-align:center\"><iframe width=\"600\" height=\"371\" seamless=\"\" frameborder=\"0\" scrolling=\"\u201cyes\u201d\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/e\/2PACX-1vQUDIYwrmqge3X9_UXeKGtmm9yyX6AILk9sZJ4b0-irOV_T1ohgmX2SsH6yLwOlvYB9n_hU117Nrzlz\/pubchart?oid=926401384&amp;format=interactive\"><\/iframe><\/div>\n\n\n\n<p>Tento graf ukazuje, ako dopadli hodnotenia na jednotliv\u00fdch trhoch v porovnan\u00ed s glob\u00e1lnym priemerom. Na Slovensku m\u00e1me hodnotenia odch\u00fdlen\u00e9 len o 1,09% od priemeru.<\/p>\n\n\n\n<p><strong>Najv\u00e4\u010d\u0161\u00ed rozdiel medzi lok\u00e1lnymi a celkov\u00fdm glob\u00e1lnym hodnoten\u00edm m\u00f4\u017eeme vidie\u0165 vo \u0160v\u00e9dsku<\/strong>, kde je rozdiel a\u017e -47,73% a susednom Ma\u010farsku, kde rozdiel predstavuje -43,10%.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Distribcia_hodnoten_v_rmci_jednotlivch_trhov\">Distrib\u00facia hodnoten\u00ed v r\u00e1mci jednotliv\u00fdch trhov<\/h3>\n\n\n\n<div style=\"text-align:center\"><iframe width=\"600\" height=\"371\" seamless=\"\" frameborder=\"0\" scrolling=\"\u201cyes\u201d\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/e\/2PACX-1vQUDIYwrmqge3X9_UXeKGtmm9yyX6AILk9sZJ4b0-irOV_T1ohgmX2SsH6yLwOlvYB9n_hU117Nrzlz\/pubchart?oid=607747336&amp;format=interactive\"><\/iframe><\/div>\n\n\n\n<p>Tento graf ukazuje, ako s\u00fa distribuovan\u00e9 hodnotenia na ka\u017edom z na\u0161ich 26 trhov samostatne. <strong>Napr\u00edklad v USA je viac ako 47% spolo\u010dnost\u00ed s celkov\u00fdm hodnoten\u00edm 5 z 5<\/strong>, pri\u010dom 20,7% z nich m\u00e1 najni\u017e\u0161ie mo\u017en\u00e9 sk\u00f3re.<\/p>\n\n\n\n<p>Najvy\u0161\u0161ie percento najlep\u0161\u00edch mo\u017en\u00fdch hodnoten\u00ed (a\u017e 77,53%) je v Nemecku, ktor\u00e9mu sekunduje Rusko so 70,92% a Est\u00f3nsko (69,15%). Naopak, najni\u017e\u0161ie percento najvy\u0161\u0161\u00edch mo\u017en\u00fdch hodnoten\u00ed je vo F\u00ednsku, len 24,58%.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Globlna_distribcia_hodnoten\">Glob\u00e1lna distrib\u00facia hodnoten\u00ed<\/h3>\n\n\n\n<div style=\"text-align:center\"><iframe width=\"600\" height=\"371\" seamless=\"\" frameborder=\"0\" scrolling=\"\u201cyes\u201d\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/e\/2PACX-1vQUDIYwrmqge3X9_UXeKGtmm9yyX6AILk9sZJ4b0-irOV_T1ohgmX2SsH6yLwOlvYB9n_hU117Nrzlz\/pubchart?oid=2001111302&amp;format=interactive\"><\/iframe><\/div>\n\n\n\n<p>Tento graf ukazuje, ak\u00e9 vysok\u00e9 alebo n\u00edzke s\u00fa hodnotenia v priemere na v\u0161etk\u00fdch na\u0161ich trhoch dohromady. Takmer 50% predstavuj\u00fa najvy\u0161\u0161ie mo\u017en\u00e9 hodnotenia (5 z 5), pri\u010dom 20,6% tvoria najni\u017e\u0161ie mo\u017en\u00e9 hodnotenia (1 z 5).<\/p>\n\n\n\n<p>Zvy\u0161n\u00fdch 30,2% je rozdelen\u00fdch medzi ostatn\u00e9 hodnotenia od 2 do 4 z 5.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Distribcia_hodnoten_na_Slovensku\">Distrib\u00facia hodnoten\u00ed na Slovensku<\/h3>\n\n\n\n<div style=\"text-align:center\"><iframe width=\"600\" height=\"371\" seamless=\"\" frameborder=\"0\" scrolling=\"\u201cyes\u201d\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/e\/2PACX-1vQUDIYwrmqge3X9_UXeKGtmm9yyX6AILk9sZJ4b0-irOV_T1ohgmX2SsH6yLwOlvYB9n_hU117Nrzlz\/pubchart?oid=84424043&amp;format=interactive\"><\/iframe><\/div>\n\n\n\n<p>Tento graf ukazuje, ako s\u00fa distribuovan\u00e9 hodnotenia v r\u00e1mci Slovenska. <strong>37,8% zo v\u0161etk\u00fdch hodnoten\u00ed predstavuj\u00fa najvy\u0161\u0161ie mo\u017en\u00e9 hodnotenie (5 z 5)<\/strong>, zatia\u013e \u010do 17,9% predstavuje najni\u017e\u0161ie mo\u017en\u00e9 hodnotenie (1 z 5)<\/p>\n\n\n\n<p>28,8% hodnoten\u00ed na Slovensku dosiahlo v\u00fdsledn\u00fa zn\u00e1mku 4 z 5. Na druhej strane, 8,3% hodnoten\u00ed je 3 z 5. Vo v\u0161eobecnosti, viac ako 65% spolo\u010dnost\u00ed p\u00f4sobiacich na Slovensku dosiahlo minim\u00e1lne sk\u00f3re 4 z 5 alebo vy\u0161\u0161ie.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Ako_njs_najlepie_finann_spolonosti\">Ako n\u00e1js\u0165 najlep\u0161ie finan\u010dn\u00e9 spolo\u010dnosti?<\/h2>\n\n\n\n<p>Pri \u017eiadosti o <a href=\"https:\/\/financer.sk\/pozicky\/spotrebny-uver\/\" data-type=\"page\" data-id=\"452\">p\u00f4\u017ei\u010dku<\/a> je potrebn\u00e9 vzia\u0165 do \u00favahy viacero faktorov. Mali by ste sa pozera\u0165 nielen na v\u00fd\u0161ku p\u00f4\u017ei\u010dky a dobu spl\u00e1cania, ale mali by ste zv\u00e1\u017ei\u0165 aj nasleduj\u00face skuto\u010dnosti, aby ste na\u0161li najlep\u0161iu spolo\u010dnos\u0165 pre va\u0161e konkr\u00e9tne potreby:<\/p>\n\n\n\n<ul>\n<li><strong>Porovnajte a presk\u00famajte v\u0161etk\u00fdch poskytovate\u013eov:<\/strong>\u00a0Porovnajte \u010do najviac poskytovate\u013eov po\u017ei\u010diek, aby ste na\u0161li t\u00fa spr\u00e1vnu ponuku p\u00f4\u017ei\u010diek pre va\u0161u konkr\u00e9tnu situ\u00e1ciu. Financer.com porovn\u00e1va 55+ spolo\u010dnost\u00ed na Slovensku a poskytuje re\u00e1lne hodnotenia a recenzie z\u00e1kazn\u00edkov.<\/li>\n\n\n\n<li><strong>Zv\u00e1\u017ete v\u0161etky poplatky: <\/strong>Zv\u00e1\u017ete nielen \u00farokov\u00e9 sadzby spotrebn\u00fdch \u00faverov, ale aj v\u0161etky poplatky \u00fa\u010dtovan\u00e9 poskytovate\u013eom. Tie m\u00f4\u017eu zah\u0155\u0148a\u0165 poplatky z ome\u0161kania, poplatky za poskytnutie a poplatky za pred\u010dasn\u00e9 splatenie.<\/li>\n\n\n\n<li><strong>Skontrolujte kvalifika\u010dn\u00e9 po\u017eiadavky: <\/strong>Niektor\u00ed poskytovatelia maj\u00fa presn\u00e9 po\u017eiadavky na to, aby ste dostali p\u00f4\u017ei\u010dku. Uistite sa o nich e\u0161te pred podan\u00edm \u017eiadosti.<\/li>\n\n\n\n<li><strong>Porovnajte v\u0161etky RPMN:<\/strong> <a href=\"https:\/\/financer.sk\/wiki\/co-je-to-rpmn\/\" data-type=\"wiki\" data-id=\"18079\">Ro\u010dn\u00e1 percentu\u00e1lna miera n\u00e1kladov<\/a> (RPMN) zah\u0155\u0148a \u00farokov\u00fa sadzbu a v\u0161etky ostatn\u00e9 poplatky. Ponuky od niektor\u00fdch poskytovate\u013eov m\u00f4\u017eu dosta\u0165 RPMN a\u017e k trojcifern\u00fdm \u010d\u00edslam.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Zver\">Z\u00e1ver<\/h2>\n\n\n\n<p>Anal\u00fdzou recenzi\u00ed finan\u010dn\u00fdch spolo\u010dnost\u00ed vytvoren\u00fdch pou\u017e\u00edvate\u013emi na Financer.com za posledn\u00e9 tri roky sme z\u00fa\u017eili na\u0161ich 10 najlep\u0161\u00edch finan\u010dn\u00fdch spolo\u010dnost\u00ed na Slovensku na z\u00e1klade skuto\u010dnej sp\u00e4tnej v\u00e4zby od z\u00e1kazn\u00edkov.<\/p>\n\n\n\n<p>Priemern\u00e9 u\u017e\u00edvate\u013esk\u00e9 hodnotenie spolo\u010dnost\u00ed na Slovensku je 3,49 v porovnan\u00ed s celosvetov\u00fdm priemerom 3,70. Analyzovali sme 159 pou\u017e\u00edvate\u013esk\u00fdch recenzi\u00ed v USA a 7136 pou\u017e\u00edvate\u013esk\u00fdch recenzi\u00ed na v\u0161etk\u00fdch na\u0161ich trhoch.<\/p>\n\n\n\n<p>Najlep\u0161ie <a href=\"https:\/\/financer.sk\/spolocnost\/\">finan\u010dn\u00e9 spolo\u010dnosti na Slovensku<\/a> vynikaj\u00fa predov\u0161etk\u00fdm v slu\u017eb\u00e1ch z\u00e1kazn\u00edkom, jednoduchosti pou\u017eitia a \u00farokov\u00fdch sadzieb za p\u00f4\u017ei\u010dky. Viac ako 37 % finan\u010dn\u00fdch spolo\u010dnost\u00ed na Slovensku m\u00e1 najvy\u0161\u0161ie hodnotenie (5 z 5), zatia\u013e \u010do 17,95 % m\u00e1 najni\u017e\u0161ie hodnotenie (1 z 5).<\/p>\n\n\n\n<p>Po anal\u00fdze 159 recenzi\u00ed na slovenskom trhu sme zistili, \u017ee aj ke\u010f 37,7 % spolo\u010dnost\u00ed z\u00edskalo vynikaj\u00face hodnotenie, st\u00e1le existuje ve\u013ea priestoru na zlep\u0161enie. Z\u00e1kazn\u00edci uviedli aspekty ako vysok\u00e9 poplatky a zl\u00fd z\u00e1kazn\u00edcky servis ako naj\u010dastej\u0161ie sa opakuj\u00face negat\u00edvne faktory.<\/p>\n\n\n\n<p>Ak m\u00e1te ak\u00e9ko\u013evek ot\u00e1zky t\u00fdkaj\u00face sa spr\u00e1vy alebo potrebujete inform\u00e1cie o niektorej z na\u0161ich vybran\u00fdch finan\u010dn\u00fdch spolo\u010dnost\u00ed, <a href=\"https:\/\/financer.sk\/o-nas\/kontakt\/\">kontaktujte n\u00e1s<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pre\u010d\u00edtajte si viac o krit\u00e9ri\u00e1ch n\u00e1\u0161ho hodnotenia a pozrite si ni\u017e\u0161ie uveden\u00e9 tabu\u013eky a rebr\u00ed\u010dky, kde n\u00e1jdete \u010fal\u0161ie inform\u00e1cie o\u2026 <\/p>\n","protected":false},"author":87,"featured_media":18286,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","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,"footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/posts\/18263"}],"collection":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/types\/post"}],"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=18263"}],"version-history":[{"count":50,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/posts\/18263\/revisions"}],"predecessor-version":[{"id":78397,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/posts\/18263\/revisions\/78397"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media\/18286"}],"wp:attachment":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media?parent=18263"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/categories?post=18263"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/tags?post=18263"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}