{"id":1924,"date":"2020-04-19T13:17:20","date_gmt":"2020-04-19T11:17:20","guid":{"rendered":"https:\/\/www.ak-ak.sk\/?p=1924"},"modified":"2023-04-24T08:21:16","modified_gmt":"2023-04-24T06:21:16","slug":"odklad-splatok-uveru-ako-na-to","status":"publish","type":"post","link":"https:\/\/www.ak-ak.sk\/de\/odklad-splatok-uveru-ako-na-to\/","title":{"rendered":"Odklad spl\u00e1tok \u00faveru &#8211; ako na to?"},"content":{"rendered":"\n<p class=\"has-cyan-bluish-gray-background-color has-background\"><strong>Kto m\u00f4\u017ee po\u017eiada\u0165 o odklad spl\u00e1tok \u00faveru?<\/strong><\/p>\n\n\n\n<ul><li>fyzick\u00e9 osoby,<\/li><li>\u017eivnostn\u00edci,<\/li><li>mal\u00e9 a&nbsp;stredn\u00e9 podniky do&nbsp;250 zamestnancov.<\/li><\/ul>\n\n\n\n<p> Podmienkou je, aby bol \u00faver spl\u00e1can\u00fd pravidelne v stanoven\u00fdch a dohodnut\u00fdch spl\u00e1tkach.<\/p>\n\n\n\n<p class=\"has-cyan-bluish-gray-background-color has-background\"><strong>Ako m\u00f4\u017eem po\u017eiada\u0165 o odklad spl\u00e1tok \u00faveru?<\/strong><\/p>\n\n\n\n<p>O odklad spl\u00e1tok m\u00f4\u017eete po\u017eiada\u0165 prostredn\u00edctvom <strong>\u017diadosti o&nbsp;odklad spl\u00e1tok z &nbsp;d\u00f4vodu zmiernenia&nbsp; negat\u00edvnych n\u00e1sledkov pand\u00e9mie.<\/strong> Tak\u00e1to \u017eiados\u0165 sa nach\u00e1dza na webovej str\u00e1nke ka\u017edej banky alebo nebankov\u00e9ho subjektu s t\u00fdm, \u017ee \u017eiados\u0165 m\u00f4\u017eete poda\u0165 elektronicky alebo p\u00edsomne.&nbsp;<\/p>\n\n\n\n<p class=\"has-cyan-bluish-gray-background-color has-background\"><strong>O ak\u00fd najdlh\u0161\u00ed odklad spl\u00e1tok \u00faveru m\u00f4\u017eem po\u017eiada\u0165?<\/strong><\/p>\n\n\n\n<p>Po\u017eiada\u0165 o odklad spl\u00e1tok \u00faveru m\u00f4\u017eete banku maxim\u00e1lne jedenkr\u00e1t <strong>s odkladom na 9 mesiacov.&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"has-cyan-bluish-gray-background-color has-background\"><strong>Dokedy ma banka mus\u00ed informova\u0165 o vybaven\u00ed mojej \u017eiadosti?&nbsp;<\/strong><\/p>\n\n\n\n<p>D<strong>o 30-tich dn\u00ed <\/strong>od podania \u017eiadosti o&nbsp;odklad spl\u00e1tok. Pri\u010dom ka\u017ed\u00e9 rozhodnutie je posudzovan\u00e9 individu\u00e1lne a mus\u00ed by\u0165 riadne zd\u00f4vodnen\u00e9.&nbsp;<\/p>\n\n\n\n<p class=\"has-cyan-bluish-gray-background-color has-background\"><strong>Kedy mi nemusia povoli\u0165 odklad spl\u00e1tok?&nbsp;<\/strong><\/p>\n\n\n\n<ol><li>Ak ste <strong>v&nbsp;ome\u0161kan\u00ed so spl\u00e1can\u00edm \u00faveru viac ako 30 dn\u00ed<\/strong> ku d\u0148u podania \u017eiadosti o&nbsp;odklad spl\u00e1tok,<\/li><li>Ak ste <strong>v&nbsp;ome\u0161kan\u00ed so spl\u00e1tkou in\u00e9ho \u00faveru u&nbsp;tej istej banky alebo nebankov\u00e9ho subjektu minim\u00e1lne vo v\u00fd\u0161ke 100,-\u20ac,<\/strong><\/li><li>Ak ste riadne vyplnili <strong>\u017eiados\u0165<\/strong> o&nbsp;odklad spl\u00e1tok,<\/li><li>Ak <strong>\u017eiados\u0165<\/strong> o&nbsp;doklad spl\u00e1tok <strong>neobsahuje potrebn\u00e9 n\u00e1le\u017eitosti,<\/strong><\/li><li>Ak ste boli ku d\u0148u podania \u017eiadosti <strong>v stave zlyhania<\/strong> pod\u013ea osobitn\u00e9ho predpisu.&nbsp;<\/li><\/ol>\n\n\n\n<p class=\"has-cyan-bluish-gray-background-color has-background\"><strong>M\u00f4\u017ee by\u0165 odlo\u017een\u00e1 spl\u00e1tka \u00faveru pova\u017eovan\u00e1 za ome\u0161kan\u00fa platbu?<\/strong><\/p>\n\n\n\n<p>NIE. Pozit\u00edvom je, \u017ee <strong>nebudete ma\u0165 \u017eiadny z\u00e1pis v&nbsp;\u00faverovom registri <\/strong>a v&nbsp;bud\u00facnosti V\u00e1m nehrozia komplik\u00e1cie a in\u00e9 ob\u0161trukcie pri \u010derpan\u00ed in\u00e9ho \u00faveru.<\/p>\n\n\n\n<p class=\"has-cyan-bluish-gray-background-color has-background\"><strong>Zmenia sa mi podmienky uzatvorenej \u00faverovej zmluvy a mus\u00edm nie\u010do dodato\u010dne podpisova\u0165?<\/strong><\/p>\n\n\n\n<p>Podpisova\u0165 dodato\u010dne ni\u010d nemus\u00edte, av\u0161ak d\u00f4jde k zmene spotrebite\u013eskej zmluvy v podobe dodatku k zmluve.&nbsp;<\/p>\n\n\n\n<p>Banka je V\u00e1m povinn\u00e1 do dvoch mesiacov od povolenia odkladu spl\u00e1tok zasla\u0165:&nbsp;<\/p>\n\n\n\n<ul><li>Inform\u00e1cie o Va\u0161ej <strong>povinnosti zaplati\u0165 \u00farok za obdobie odkladu<\/strong> a&nbsp;o&nbsp;jeho celkovej v\u00fd\u0161ke,<\/li><li>Inform\u00e1cie o <strong>postupe, ktor\u00fd sa uplatn\u00ed po skon\u010den\u00ed odkladu spl\u00e1tok,<\/strong><\/li><li>Inform\u00e1cie o <strong>mo\u017enosti spl\u00e1cania \u00faveru i&nbsp;po\u010das obdobia schv\u00e1len\u00e9ho odkladu<\/strong> spl\u00e1tok \u00faveru a&nbsp;o&nbsp;in\u00fdch skuto\u010dnostiach, ktor\u00e9 maj\u00fa vplyv na celkov\u00e9 n\u00e1klady spojen\u00e9 s&nbsp;\u00faverom.<\/li><\/ul>\n\n\n\n<p class=\"has-cyan-bluish-gray-background-color has-background\"><strong>Mus\u00edm za podanie \u017eiadosti o odklad spl\u00e1tok zaplati\u0165?<\/strong><\/p>\n\n\n\n<p>NIE. Podanie \u017eiadosti <strong>nie je spoplatnen\u00e9.<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-background-color has-background\"><strong>POZOR &#8211; Odklad spl\u00e1tok \u00faveru nie je zadarmo!<\/strong><\/p>\n\n\n\n<p>Odklad spl\u00e1tok \u00faveru nie je odpusten\u00edm dlhu. I napriek tomu, \u017ee V\u00e1m bud\u00fa spl\u00e1tky odlo\u017een\u00e9 po\u010das tohto obdobie <strong>ste povinn\u00fd hradi\u0165 \u00faroky z jednotliv\u00fdch spl\u00e1tok \u00faveru.<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"has-text-align-center has-background\" style=\"background-color:#88a5b2\"><strong>Ak ste sa ocitli v nepriaznivej situ\u00e1cii sp\u00f4sobenej koronav\u00edrusom a potrebujete poskytn\u00fa\u0165 pr\u00e1vne poradenstvo,&nbsp;sme tu pre V\u00e1s. Nev\u00e1hajte n\u00e1s kontaktova\u0165 na e-mailovej adrese:&nbsp;<\/strong><a href=\"mailto:absolonova@ak-ak.sk\">absolonova@ak-ak.sk<\/a><strong>,&nbsp;<\/strong><a href=\"mailto:kornhauser@ak-ak.sk\">kornhauser@ak-ak.sk<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kto m\u00f4\u017ee po\u017eiada\u0165 o odklad spl\u00e1tok \u00faveru? fyzick\u00e9 osoby, \u017eivnostn\u00edci, mal\u00e9 a&nbsp;stredn\u00e9 podniky do&nbsp;250 zamestnancov. Podmienkou je, aby bol \u00faver spl\u00e1can\u00fd pravidelne v stanoven\u00fdch a dohodnut\u00fdch spl\u00e1tkach. Ako m\u00f4\u017eem po\u017eiada\u0165 o odklad spl\u00e1tok \u00faveru? O odklad spl\u00e1tok m\u00f4\u017eete po\u017eiada\u0165 prostredn\u00edctvom \u017diadosti o&nbsp;odklad spl\u00e1tok z &nbsp;d\u00f4vodu zmiernenia&nbsp; negat\u00edvnych n\u00e1sledkov pand\u00e9mie. Tak\u00e1to \u017eiados\u0165 sa nach\u00e1dza na webovej [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1925,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[60],"tags":[],"_links":{"self":[{"href":"https:\/\/www.ak-ak.sk\/de\/wp-json\/wp\/v2\/posts\/1924"}],"collection":[{"href":"https:\/\/www.ak-ak.sk\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ak-ak.sk\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ak-ak.sk\/de\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ak-ak.sk\/de\/wp-json\/wp\/v2\/comments?post=1924"}],"version-history":[{"count":4,"href":"https:\/\/www.ak-ak.sk\/de\/wp-json\/wp\/v2\/posts\/1924\/revisions"}],"predecessor-version":[{"id":3446,"href":"https:\/\/www.ak-ak.sk\/de\/wp-json\/wp\/v2\/posts\/1924\/revisions\/3446"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ak-ak.sk\/de\/wp-json\/wp\/v2\/media\/1925"}],"wp:attachment":[{"href":"https:\/\/www.ak-ak.sk\/de\/wp-json\/wp\/v2\/media?parent=1924"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ak-ak.sk\/de\/wp-json\/wp\/v2\/categories?post=1924"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ak-ak.sk\/de\/wp-json\/wp\/v2\/tags?post=1924"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}