{"id":1874,"date":"2023-05-17T12:17:40","date_gmt":"2023-05-17T10:17:40","guid":{"rendered":"https:\/\/www.poistim.sk\/faq\/"},"modified":"2024-05-07T17:23:40","modified_gmt":"2024-05-07T15:23:40","slug":"faq","status":"publish","type":"page","link":"https:\/\/www.poistim.sk\/skke\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"[vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;#eaf1f2&#8243; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; class=&#8221;faq-bb&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column top_padding_desktop=&#8221;40px&#8221; bottom_padding_desktop=&#8221;40px&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/6&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;advanced&#8221; gradient_type=&#8221;default&#8221;][\/vc_column][vc_column column_padding=&#8221;padding-5-percent&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;top-bottom&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;2\/3&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;default&#8221; gradient_type=&#8221;default&#8221;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221; class=&#8221;tabba&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text]\n<h2>Poistenie<\/h2>\n[\/vc_column_text][toggles style=&#8221;minimal&#8221; accordion=&#8221;true&#8221; accordion_starting_functionality=&#8221;closed&#8221;][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;Mus\u00ed ma\u0165 moje vozidlo PZP?&#8221;][vc_column_text]\u00c1no, ka\u017ed\u00e9 prihl\u00e1sen\u00e9 vozidlo, ktor\u00e9 je sp\u00f4sobil\u00e9 na prem\u00e1vku na pozemn\u00fdch komunik\u00e1ci\u00e1ch mus\u00ed ma\u0165 uzatvoren\u00e9 a riadne uhraden\u00e9 platn\u00e9 PZP.[\/vc_column_text][vc_column_text][\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;Kedy je potrebn\u00e9 PZP uhradi\u0165?&#8221;][vc_column_text]<span style=\"font-weight: 400;\">Ihne\u010f po uzatvoren\u00ed PZP. V opa\u010dnom pr\u00edpade vozidlo nie je poisten\u00e9.<\/span>[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;Mus\u00edm si vybra\u0165 ro\u010dn\u00e9 PZP?&#8221;][vc_column_text]To ur\u010dite nie. Na v\u00fdber m\u00e1te z jednej platby ro\u010dne, dvoch platieb ka\u017ed\u00fdch 6 mesiacov alebo troch platieb ka\u017ed\u00fd \u0161tvr\u0165rok. V\u017edy v\u0161ak plat\u00ed, \u017ee \u010d\u00edm \u010dastej\u0161ia platba v roku, t\u00fdm je menej v\u00fdhodn\u00e1.[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;Ako realizova\u0165 \u00fahradu PZP?&#8221;][vc_column_text]Plati\u0165 m\u00f4\u017eete bankov\u00fdm prevodom, \u0161ekom \u010di priamym vkladom v banke. Osobne v hotovosti nie je mo\u017en\u00e9 plati\u0165 na \u017eiadnej z na\u0161ich pobo\u010diek.[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;Ak\u00e9 sp\u00f4soby vypovedania PZP existuj\u00fa?&#8221;][vc_column_text]Konkr\u00e9tne ide o \u0161tyri mo\u017enosti, pri ktor\u00fdch m\u00e1te pln\u00e9 pr\u00e1vo po\u017eiada\u0165 o vypovedanie poistnej zmluvy:<\/p>\n<ol>\n<li><strong>Predaj vozidla<\/strong> &#8211; na z\u00e1klade osobne doru\u010den\u00e9ho (ve\u013ek\u00e9ho) technick\u00e9ho preukazu (odhl\u00e1sen\u00e9 vozidlo, resp. prihl\u00e1sen\u00e9 na nov\u00e9ho majite\u013ea) na ktor\u00fako\u013evek z na\u0161ich pobo\u010diek. V\u0161etko vybav\u00edme na po\u010dkanie do p\u00e1r min\u00fat.<\/li>\n<li><strong>Vyradenie vozidla z jeho prev\u00e1dzky<\/strong> &#8211; na z\u00e1klade osobne doru\u010den\u00e9ho potvrdenia pol\u00edcie o do\u010dasnom odhl\u00e1sen\u00ed vozidl\u00e1 alebo potvrdenia zo \u0161rotoviska.<\/li>\n<li><strong>Zmena pois\u0165ovne<\/strong> &#8211; z p\u00f4vodnej pois\u0165ovne obdr\u017e\u00edte (cca 2-3 mesiace) pred ukon\u010den\u00edm poistn\u00e9ho obdobia nov\u00fd predpis poistn\u00e9ho. Odo d\u0148a obdr\u017eania tejto p\u00edsomnosti a\u017e do doby 6 t\u00fd\u017ed\u0148ov pred ukon\u010den\u00edm p\u00f4vodnej poistnej zmluvy m\u00e1te pr\u00e1vo na zmenu pois\u0165ovne, teda aj na samotn\u00e9 zru\u0161enie PZP v danej pois\u0165ovni.<\/li>\n<li><strong>Nov\u00e1 poistn\u00e1 zmluva<\/strong> &#8211; pri novej poistnej zmluve m\u00e1te n\u00e1rok do dvoch mesiacov od takejto zmluvy odst\u00fapi\u0165.<\/li>\n<\/ol>\n[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;Ako funguj\u00fa pripoistenia?&#8221;][vc_column_text]Pripoistenia sl\u00fa\u017eia na nav\u00fd\u0161enie krytia v pr\u00edpade, kedy sa KASKO neoplat\u00ed rie\u0161i\u0165 (naj\u010dastej\u0161ie u star\u0161\u00edch vozidiel). Ide o individu\u00e1lny v\u00fdber bal\u00ed\u010dka, na z\u00e1klade ktor\u00e9ho si ka\u017ed\u00fd zostav\u00ed vlastn\u00e9 poistenie na mieru jeho potreb\u00e1m.[\/vc_column_text][\/toggle][\/toggles][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/6&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][\/vc_column][\/vc_row][vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; top_padding=&#8221;50px&#8221; bottom_padding=&#8221;50px&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; class=&#8221;faq-bb&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column right_padding_desktop=&#8221;30px&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/6&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;advanced&#8221; gradient_type=&#8221;default&#8221;][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;2\/3&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text]\n<h2>\u00davery<\/h2>\n[\/vc_column_text][toggles style=&#8221;minimal&#8221; accordion=&#8221;true&#8221; accordion_starting_functionality=&#8221;closed&#8221;][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;Ako dlho trv\u00e1 vybavenie hypotek\u00e1rneho \u00faveru?&#8221;][vc_column_text]V pr\u00edpade, \u017ee m\u00e1te v\u0161etky potrebn\u00e9 doklady uveden\u00e9 v zmluvn\u00fdch podmienkach, hypotek\u00e1rny \u00faver dok\u00e1\u017eeme vybavi\u0165 u\u017e do 2 t\u00fd\u017ed\u0148ov!<br \/>\nH\u00da na mobiln\u00e9 domy &#8211; Vybavenie hypotek\u00e1rneho \u00faveru na mobiln\u00fd dom je zlo\u017eit\u00e9, resp. je probl\u00e9m n\u00e1js\u0165 banku, ktor\u00e1 tak\u00fdto sp\u00f4sob financovania akceptuje.[\/vc_column_text][vc_column_text][\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;Ak\u00e9 doklady potrebujem k vybaveniu hypot\u00e9ky?&#8221;][vc_column_text]Pri k\u00fape &#8211; k\u00fapna zmluva.<br \/>\nPri v\u00fdstavbe\/rekon\u0161trukcii &#8211; stavebn\u00e9 povolenie, (pri malej rekon\u0161trukcii nie je potrebn\u00e9), projekty, znaleck\u00fd posudok hotovej stavby, niektor\u00e9 banky vy\u017eaduj\u00fa aj fotky po rekon\u0161trukcii.<br \/>\nPri k\u00fape bytu z developersk\u00e9ho projektu ak e\u0161te nie s\u00fa byty hotov\u00e9 &#8211; zmluva, nadob\u00fadacia hodnota.<br \/>\nPri bez\u00fa\u010delovej hypot\u00e9ke (americk\u00e1 hypot\u00e9ka) v\u00e4\u010d\u0161ina b\u00e1nk schv\u00e1li len 70% zo znaleck\u00e9ho posudku zakladanej nehnute\u013enosti.<br \/>\nPri refinancovan\u00ed &#8211; p\u00f4vodn\u00e1 \u00faverov\u00e1 zmluva, ak bola zalo\u017een\u00e1 nehnute\u013enos\u0165, aj z\u00e1lo\u017en\u00e9 zmluvy, aktu\u00e1lny znaleck\u00fd posudok.<br \/>\nAk ste zamestnancom \u0161t\u00e1tnej spr\u00e1vy mus\u00edte ma\u0165 tie\u017e potvrdenie o prijme od zamestn\u00e1vate\u013ea. Tla\u010divo na toto potvrdenie v\u00e1m d\u00e1me my pod\u013ea konkr\u00e9tnej banky. Tla\u010divo vieme odosla\u0165 aj na mail.<br \/>\nPri SZ\u010cO a pr\u00e1vnickej osobe &#8211; da\u0148ov\u00e9 priznanie, \u00fa\u010dtovn\u00e1 z\u00e1vierka, potvrdenie o v\u00fd\u0161ke dane na z\u00e1klade podan\u00e9ho da\u0148ov\u00e9ho priznania a z\u00e1kladu dane. Toto tla\u010divo vy\u017eiada va\u0161a ekon\u00f3mka cez finan\u010dn\u00fa spr\u00e1vu. Klient si ho osobne prevezme na DU, poplatok 0,50\u20ac.<br \/>\nPri \u017een\u00e1ch na materskej &#8211; je potrebn\u00e9 potvrdenie z \u00daradu pr\u00e1ce, soci\u00e1lnych vec\u00ed a rodiny.[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;Ak sme man\u017eelia, mus\u00edme \u00eds\u0165 do hypot\u00e9ky obaja?&#8221;][vc_column_text]\u00c1no. V\u0161etky doklady treba od oboch man\u017eelov.<br \/>\nAk m\u00e1te BSM, m\u00f4\u017ee \u010derpa\u0165 hypotek\u00e1rny \u00faver len jeden z dvojice.<\/p>\n<p>Ak\u00fd star\u00fd m\u00f4\u017ee by\u0165 znaleck\u00fd posudok pre hypotek\u00e1rny \u00faver?<br \/>\nJe to r\u00f4zne, pod\u013ea toho ak\u00fa m\u00e1 klient po\u017eiadavku. Ka\u017ed\u00e1 banka m\u00e1 in\u00e9 pravidl\u00e1. S t\u00fdmto v\u00e1m vieme poradi\u0165 pod\u013ea konkr\u00e9tneho pr\u00edpadu.[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;St\u00e1le je potrebn\u00fd znaleck\u00fd posudok?&#8221;][vc_column_text]\u00c1no.[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;Ak\u00fa sumu mi banka pon\u00fakne?&#8221;][vc_column_text]Ak m\u00e1te znaleck\u00fd posudok vy\u0161\u0161\u00ed ako suma na k\u00fapnej zmluve, banka v\u00e1m d\u00e1 ponuku pod\u013ea zmluvy. Ak je znaleck\u00fd posudok ni\u017e\u0161\u00ed, banka d\u00e1va ponuku pod\u013ea znaleck\u00e9ho posudku.<br \/>\n[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;Musim byt zamestnan\u00fd?&#8221;][vc_column_text]\u00c1no minim\u00e1lne 3 mesiace, ale ide\u00e1lne je aspo\u0148 pol roka. 3 mesiace akceptuje len 1 banka, t\u00fdm p\u00e1dom nebudete ma\u0165 mo\u017enos\u0165 v\u00fdberu. Uprednost\u0148uje sa zamestnanie na dobu neur\u010dit\u00fa. Ak ste zamestnan\u00fd na dobu ur\u010dit\u00fa, mus\u00ed trva\u0165 zamestnanie e\u0161te 3 mesiace po na\u010derpan\u00ed hypot\u00e9ky.[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;Ako r\u00fdchlo dostanem peniaze?&#8221;][vc_column_text]Hne\u010f po podpise zmluvy a podpise z\u00e1lo\u017en\u00e9ho pr\u00e1va. V\u00e4\u010d\u0161iinou do 2 pracovn\u00fdch dn\u00ed.<br \/>\nPri k\u00fape pr\u00eddu prostriedky rovno na \u00fa\u010det pred\u00e1vaj\u00facemu.[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;D\u00e1 sa vzia\u0165 hypotek\u00e1rny \u00faver na chatu?&#8221;][vc_column_text]Je to zlo\u017eit\u00e9. Banky to ve\u013emi nechc\u00fa akceptova\u0165. Posudzuje sa ve\u013emi ve\u013ea faktorov.[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;Je mo\u017en\u00e9 vybavi\u0165 hypotek\u00e1rny \u00faver na mobiln\u00e9 domy?&#8221;][vc_column_text]Vybavenie je tie\u017e je to zlo\u017eitej\u0161ie kv\u00f4li poisteniu.[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;Do ko\u013ek\u00fdch rokov m\u00f4\u017eem bra\u0165 hypot\u00e9ku?&#8221;][vc_column_text]Je to r\u00f4zne v ka\u017edej banke. Kontaktujte n\u00e1s a my v\u00e1m porad\u00edme.[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;Dostanem hypot\u00e9ku ak m\u00e1m alebo som mal exek\u00faciu?&#8221;][vc_column_text]Nie. Sta\u010d\u00ed, \u017ee ste me\u0161kali v poslednom pol roku s ak\u00fdmiko\u013evek spl\u00e1tkami a m\u00f4\u017ee vznikn\u00fa\u0165 probl\u00e9m pri schva\u013eovan\u00ed. To ist\u00e9 plat\u00ed aj pri firm\u00e1ch, ak uhradia nesk\u00f4r da\u0148.<br \/>\nAk m\u00e1te v registri aj star\u0161iu exek\u00faciu, m\u00f4\u017ee to by\u0165 probl\u00e9m.[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;Do kedy sa d\u00e1 zru\u0161i\u0165 podp\u00edsan\u00e1 zmluva?&#8221;][vc_column_text]Do 14 dni.[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;Kedy sa oplat\u00ed refinancovanie?&#8221;][vc_column_text]Je to ve\u013emi individu\u00e1lne. Ide\u00e1lne je poradi\u0165 sa s na\u0161im \u0161pecialistom. Nemus\u00edte \u010dakat na ukon\u010denie fix\u00e1cie. 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