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The law protects you, and financial agents are ready to provide you with the available mortgage financing options.","\u003Ch2>Fair terms and the right of withdrawal \u003C\u002Fh2>\n\u003Cp>Statutory protection safeguards you as a consumer even after signing the documents, giving you the freedom to make your own decisions:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>Financial intermediation:\u003C\u002Fstrong> You can withdraw from our mortgage services free of charge at any time before signing the financial service agreement.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Loans:\u003C\u002Fstrong> You have the right to withdraw from a loan agreement with the bank within 14 calendar days of its conclusion.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Insurance:\u003C\u002Fstrong> You can withdraw from a non-life insurance policy within 14 days of its conclusion; for life insurance, the withdrawal period is 30 days from the conclusion of the agreement.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>We inform you transparently about your rights, so you can be confident that using our services carries no risk for you.\u003C\u002Fp>\n\u003Cblockquote>\n\u003Cp>Transparency is key for you.\u003C\u002Fp>\n\u003C\u002Fblockquote>",{"id":641,"collection":1689,"background":1680,"anchor":7,"item":1744},{"id":1745,"date_created":1746,"date_updated":7,"desktop_height":194,"mobile_height":1115},103,"2026-02-03T15:15:03.255Z",{"id":642,"collection":1748,"background":1680,"anchor":7,"item":1749},"block_cards",{"id":126,"date_created":1750,"date_updated":1751,"cards":1752},"2026-02-03T15:15:03.272Z","2026-07-19T16:42:06.944Z",[1753,1771,1786,1801],{"id":39,"block_cards_id":126,"block_card_id":1754},{"id":136,"sort":7,"date_created":1755,"date_updated":1756,"title":1757,"description":1758,"show_more":5,"headline":7,"text":1759,"image":7,"icon":1760},"2026-02-12T13:49:01.018Z","2026-07-19T16:25:06.628Z","Professional experience since 2006","We successfully handle complex cases that require expertise and a thorough understanding of mortgage processes.","\u003Ch2 class=\"font-claude-response-body break-words whitespace-normal\" dir=\"auto\">Two Decades of Experience\u003C\u002Fh2>\n\u003Cp class=\"font-claude-response-body break-words whitespace-normal\" dir=\"auto\">Thanks to our banking background and two decades of experience, we know the details of financial products and the internal procedures of financial institutions. We have information about exceptions and options that may not be commonly available.\u003C\u002Fp>\n\u003Cp class=\"font-claude-response-body break-words whitespace-normal\" dir=\"auto\">Our long-standing relationships with financial institutions allow us to arrange a mortgage even in non-standard situations. The experience of our financial agents is also used by estate agents from other agencies and developers, for their own clients, to complete property deals.\u003C\u002Fp>\n\u003Cblockquote>\n\u003Cp>Practical experience brings solutions.\u003C\u002Fp>\n\u003C\u002Fblockquote>",{"id":1761,"storage":10,"filename_disk":1762,"filename_download":1763,"title":1764,"type":63,"folder":1765,"uploaded_by":16,"created_on":1766,"modified_by":18,"modified_on":1767,"charset":7,"filesize":1768,"width":7,"height":7,"duration":7,"embed":7,"description":1769,"location":7,"tags":7,"metadata":7,"focal_point_x":7,"focal_point_y":7,"tus_id":7,"tus_data":7,"uploaded_on":1770},"2ab0af2c-57bb-4581-a286-1c221860db7f","2ab0af2c-57bb-4581-a286-1c221860db7f.svg","SpecialIcon.svg","Ikonka pohára víťazov","baced99c-fa20-4ee5-992e-f930f13df264","2025-11-25T15:15:32.963Z","2026-07-14T15:32:31.798Z","2722","Výťazný pohár symbolizujúci úspech a odbornosť.","2025-11-25T15:15:32.974Z",{"id":42,"block_cards_id":126,"block_card_id":1772},{"id":77,"sort":7,"date_created":1773,"date_updated":1774,"title":1775,"description":1776,"show_more":5,"headline":7,"text":1777,"image":7,"icon":1778},"2026-02-12T13:53:57.428Z","2026-07-19T16:42:06.947Z","Everything in one place","We work with all our partners to get you better financing and insurance terms.","\u003Ch2>Finportal and our partner network\u003C\u002Fh2>\n\u003Cp class=\"font-claude-response-body break-words whitespace-normal\" dir=\"auto\">Our partners include Finportal a.s., which brings together all financial companies on the Slovak market that cooperate with registered financial agents. We have direct online access to their systems and specialist calculators, allowing us to compare financial product offers in real time.\u003C\u002Fp>\n\u003Cp class=\"font-claude-response-body break-words whitespace-normal\" dir=\"auto\">We also work with developers, estate agencies and estate agents. Thanks to all our partners, we can offer you a wide range of options.\u003C\u002Fp>\n\u003Cblockquote>\n\u003Cp>More options mean better terms.\u003C\u002Fp>\n\u003C\u002Fblockquote>",{"id":1779,"storage":10,"filename_disk":1780,"filename_download":1763,"title":1781,"type":63,"folder":153,"uploaded_by":16,"created_on":1782,"modified_by":18,"modified_on":1783,"charset":7,"filesize":1784,"width":7,"height":7,"duration":7,"embed":7,"description":7,"location":7,"tags":7,"metadata":7,"focal_point_x":7,"focal_point_y":7,"tus_id":7,"tus_data":7,"uploaded_on":1785},"2839f568-6f10-448e-a70d-04d7ef14ddbe","2839f568-6f10-448e-a70d-04d7ef14ddbe.svg","Special Icon","2026-03-12T14:48:41.775Z","2026-07-16T08:06:45.400Z","1790","2026-03-12T14:48:41.788Z",{"id":45,"block_cards_id":126,"block_card_id":1787},{"id":413,"sort":7,"date_created":1788,"date_updated":1789,"title":1790,"description":1791,"show_more":5,"headline":7,"text":1792,"image":7,"icon":1793},"2026-02-13T00:18:08.434Z","2026-07-19T16:42:06.954Z"," Free financial services","We provide financial intermediation professionally and free of charge, in accordance with Act No. 186\u002F2009 Coll.","\u003Ch2>Free and paid services\u003C\u002Fh2>\n\u003Cp class=\"font-claude-response-body break-words whitespace-normal\" dir=\"auto\">Licensed financial agents take on the expert and administrative burden for you. As part of our services, we provide:\u003C\u002Fp>\n\u003Cul class=\"[li_&]:mb-0 [li_&]:mt-1 [li_&]:gap-1 [&:not(:last-child)_ul]:pb-1 [&:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\" dir=\"auto\">\n\u003Cli class=\"font-claude-response-body whitespace-normal break-words pl-2\">\u003Cstrong>Market research:\u003C\u002Fstrong> Analysis and preparation of tailor-made mortgage offers based on your needs and options.\u003C\u002Fli>\n\u003Cli class=\"font-claude-response-body whitespace-normal break-words pl-2\">\u003Cstrong>Continuous optimisation:\u003C\u002Fstrong> Even while the approval process is under way, we actively look for and negotiate better terms on your behalf.\u003C\u002Fli>\n\u003Cli class=\"font-claude-response-body whitespace-normal break-words pl-2\">\u003Cstrong>Complete process:\u003C\u002Fstrong> From preparing the mortgage application through to the paperwork involved in land registry recording and drawdown.\u003C\u002Fli>\n\u003Cli class=\"font-claude-response-body whitespace-normal break-words pl-2\">\u003Cstrong>Documentation review:\u003C\u002Fstrong> Professional review of the contractual documentation you sign with developers or estate agencies.\u003C\u002Fli>\n\u003Cli class=\"font-claude-response-body whitespace-normal break-words pl-2\">\u003Cstrong>Legal certainty:\u003C\u002Fstrong> Early warning of any discrepancies, reducing the risk of mortgage rejection, loss of the reservation fee or other funds.\u003C\u002Fli>\n\u003Cli class=\"font-claude-response-body whitespace-normal break-words pl-2\">\u003Cstrong>Insurance:\u003C\u002Fstrong> The option to arrange property insurance, or other types of insurance, all in one place.\u003C\u002Fli>\n\u003Cli class=\"font-claude-response-body whitespace-normal break-words pl-2\">\u003Cstrong>Zero cost to you:\u003C\u002Fstrong> You do not pay for these financial intermediation services, they are covered by the financial institutions.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp class=\"font-claude-response-body break-words whitespace-normal\" dir=\"auto\">You can also use the paid estate agency services of our company, AGENT.SK, which speed up the search for or sale of a property through the efficient matching of listings with active demand from verified buyers.\u003C\u002Fp>\n\u003Cblockquote>\n\u003Cp>Comprehensive services save you time.\u003C\u002Fp>\n\u003C\u002Fblockquote>",{"id":1794,"storage":10,"filename_disk":1795,"filename_download":1763,"title":1796,"type":63,"folder":1765,"uploaded_by":16,"created_on":1797,"modified_by":18,"modified_on":1767,"charset":7,"filesize":1798,"width":7,"height":7,"duration":7,"embed":7,"description":1799,"location":7,"tags":7,"metadata":7,"focal_point_x":7,"focal_point_y":7,"tus_id":7,"tus_data":7,"uploaded_on":1800},"e20c7081-eae5-4a94-a7f8-6233b07b2c7e","e20c7081-eae5-4a94-a7f8-6233b07b2c7e.svg","Ikona štítu a času","2025-11-25T15:16:37.076Z","1314","Štít zobrazujíci čas","2025-11-25T15:16:37.087Z",{"id":106,"block_cards_id":126,"block_card_id":1802},{"id":49,"sort":7,"date_created":1803,"date_updated":1804,"title":1805,"description":1806,"show_more":5,"headline":7,"text":1807,"image":7,"icon":1808},"2026-02-23T20:44:21.267Z","2026-07-19T16:42:06.961Z","Our client centric approach","We build the quality of services on expertise and transparency, not on aggressive marketing.","\u003Ch2>Client satisfaction and references\u003C\u002Fh2>\n\u003Cp class=\"font-claude-response-body break-words whitespace-normal\" dir=\"auto\">In the financial intermediation sector, there is a general rule that when a loan is repaid early, agents return all or part of their commission to the bank that provided it. This fact strongly motivates us to negotiate genuinely favourable and sustainable terms for you.\u003C\u002Fp>\n\u003Cp class=\"font-claude-response-body break-words whitespace-normal\" dir=\"auto\">We want you to feel secure, with no reason to leave your bank early, whether you chose it yourself or we helped you choose it. We can also optimise your mortgage terms after drawdown, which some banks now allow. If we find better terms for you during the repayment period, we will gladly present them to you with the aim of reducing your costs.\u003C\u002Fp>\n\u003Cp class=\"font-claude-response-body break-words whitespace-normal\" dir=\"auto\">Our long-term strategy is to build relationships based on the recommendations of satisfied clients. Positive references matter more to us than short-term profit.\u003C\u002Fp>\n\u003Cblockquote>\n\u003Cp>We build on satisfaction and recommendations.\u003C\u002Fp>\n\u003C\u002Fblockquote>",{"id":1809,"storage":10,"filename_disk":1810,"filename_download":1763,"title":1781,"type":63,"folder":153,"uploaded_by":16,"created_on":1811,"modified_by":18,"modified_on":1783,"charset":7,"filesize":1812,"width":7,"height":7,"duration":7,"embed":7,"description":7,"location":7,"tags":7,"metadata":7,"focal_point_x":7,"focal_point_y":7,"tus_id":7,"tus_data":7,"uploaded_on":1813},"5b5421e2-5cb2-4134-8151-4f8fc6ae1eac","5b5421e2-5cb2-4134-8151-4f8fc6ae1eac.svg","2026-02-25T13:01:46.035Z","1801","2026-02-25T13:01:46.049Z",{"id":643,"collection":1689,"background":1680,"anchor":7,"item":1815},{"id":1816,"date_created":1817,"date_updated":7,"desktop_height":1818,"mobile_height":194},111,"2026-02-05T12:07:16.888Z",80,{"id":644,"collection":1736,"background":1680,"anchor":7,"item":1820},{"id":1517,"date_created":1821,"date_updated":1822,"Title":1823,"Text":557,"show_button_more":5,"position":558,"text_more":1824},"2026-02-09T12:31:59.031Z","2026-03-15T21:57:28.733Z","Licensed Financial Agents","\u003Ch3>We educate ourselves more than the law requires\u003C\u002Fh3>\n\u003Cp>Our specialists undergo mandatory annual education and, every four years, successfully pass professional exams supervised by an educational institution under the auspices of the NBS (National Bank of Slovakia).\u003C\u002Fp>\n\u003Cp>Beyond our legal obligations, we participate in professional finance and real estate conferences organized by our partners. We also complete individual training focused specifically on banking and insurance products.\u003C\u002Fp>\n\u003Cp>Thanks to this continuous development, we can provide you with up-to-date information even in the dynamically changing mortgage market environment. Your security and the professional standard of the services provided are always our top priority.\u003C\u002Fp>\n\u003Cp>You can choose a specific mortgage specialist from our list. Alternatively, call or write to us, and we will ensure that an expert directly from your region contacts you.\u003C\u002Fp>\n\u003Cblockquote>\n\u003Cp>Expertise is the foundation of your security.\u003C\u002Fp>\n\u003C\u002Fblockquote>",{"id":645,"collection":1689,"background":1680,"anchor":7,"item":1826},{"id":730,"date_created":1827,"date_updated":1828,"desktop_height":194,"mobile_height":1115},"2026-02-09T12:31:59.050Z","2026-02-09T12:37:42.502Z",{"id":646,"collection":1830,"background":1680,"anchor":7,"item":1831},"block_specialists",{"id":77,"date_created":1832,"date_updated":1833,"specialists":1834},"2026-02-04T08:02:43.568Z","2026-07-22T20:37:49.047Z",[1835,1849,1862,1878,1894,1899,1912,1918,1924,1930,1936,1942],{"id":638,"block_specialists_id":77,"sort":4,"specialists_id":1836},{"id":573,"status":283,"sort":264,"user_created":18,"date_created":1837,"user_updated":18,"date_updated":1838,"name":356,"position":1839,"tags":1840,"text":7,"phone":7,"email":361,"language":29,"contact_link":7,"image":1843},"2026-03-01T16:40:30.244Z","2026-07-17T18:19:09.255Z","Financial agent",[1841,1842],"Sector: loans","Eurovea City, Bratilava",{"id":1844,"storage":10,"filename_disk":1845,"filename_download":365,"title":356,"type":299,"folder":527,"uploaded_by":18,"created_on":1846,"modified_by":7,"modified_on":1847,"charset":7,"filesize":368,"width":303,"height":304,"duration":7,"embed":7,"description":7,"location":7,"tags":7,"metadata":1848,"focal_point_x":7,"focal_point_y":7,"tus_id":7,"tus_data":7,"uploaded_on":1847},"0864a052-47b1-455d-b34b-4dda15da5480","0864a052-47b1-455d-b34b-4dda15da5480.jpg","2026-07-17T18:14:28.539Z","2026-07-17T18:14:28.544Z",{},{"id":637,"block_specialists_id":77,"sort":28,"specialists_id":1850},{"id":264,"status":283,"sort":236,"user_created":18,"date_created":1851,"user_updated":18,"date_updated":1852,"name":377,"position":1839,"tags":1853,"text":7,"phone":7,"email":7,"language":29,"contact_link":7,"image":1855},"2026-03-01T16:48:43.275Z","2026-07-17T18:19:50.926Z",[1854,290],"Sector: loans, insurance",{"id":1856,"storage":10,"filename_disk":1857,"filename_download":385,"title":1858,"type":299,"folder":527,"uploaded_by":18,"created_on":1859,"modified_by":7,"modified_on":1860,"charset":7,"filesize":388,"width":303,"height":304,"duration":7,"embed":7,"description":7,"location":7,"tags":7,"metadata":1861,"focal_point_x":7,"focal_point_y":7,"tus_id":7,"tus_data":7,"uploaded_on":1860},"a46e3f56-9847-4272-b3a2-def1d7c5c93c","a46e3f56-9847-4272-b3a2-def1d7c5c93c.jpg","Miriam Boljesikova","2026-07-17T18:14:38.484Z","2026-07-17T18:14:38.489Z",{},{"id":636,"block_specialists_id":77,"sort":79,"specialists_id":1863},{"id":72,"status":283,"sort":573,"user_created":18,"date_created":1864,"user_updated":18,"date_updated":1865,"name":313,"position":1866,"tags":1867,"text":7,"phone":1869,"email":319,"language":29,"contact_link":7,"image":1870},"2026-03-01T16:38:41.175Z","2026-07-17T18:19:35.638Z","CEO",[1868,290],"Contact for everyone","+421 911 502 745",{"id":1871,"storage":10,"filename_disk":1872,"filename_download":323,"title":1873,"type":299,"folder":527,"uploaded_by":18,"created_on":1874,"modified_by":7,"modified_on":1875,"charset":7,"filesize":326,"width":303,"height":304,"duration":7,"embed":7,"description":7,"location":7,"tags":7,"metadata":1876,"focal_point_x":7,"focal_point_y":7,"tus_id":7,"tus_data":7,"uploaded_on":1877},"b8ab0f59-fed5-4259-af28-ce04de4b9d36","b8ab0f59-fed5-4259-af28-ce04de4b9d36.jpg","Robert Posolda","2026-07-17T18:14:03.865Z","2026-07-17T18:14:03.871Z",{},"2026-07-17T18:14:03.870Z",{"id":635,"block_specialists_id":77,"sort":126,"specialists_id":1879},{"id":236,"status":283,"sort":72,"user_created":18,"date_created":1880,"user_updated":18,"date_updated":1881,"name":286,"position":1882,"tags":1883,"text":7,"phone":1885,"email":293,"language":29,"contact_link":7,"image":1886},"2026-03-01T16:43:58.036Z","2026-07-17T18:18:55.606Z","COO",[1884,290],"Sector: all sectors","+421 624 674",{"id":1887,"storage":10,"filename_disk":1888,"filename_download":298,"title":1889,"type":299,"folder":527,"uploaded_by":18,"created_on":1890,"modified_by":7,"modified_on":1891,"charset":7,"filesize":302,"width":303,"height":304,"duration":7,"embed":7,"description":7,"location":7,"tags":7,"metadata":1892,"focal_point_x":7,"focal_point_y":7,"tus_id":7,"tus_data":7,"uploaded_on":1893},"aa6c5165-2bfb-492e-bb04-0f8b79a69749","aa6c5165-2bfb-492e-bb04-0f8b79a69749.jpg","Katarina 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& Service FAQ","Make use of our years of experience and ask us anything about mortgage financing. We are happy to advise you, and you can take advantage of our free mortgage services.",{"id":649,"collection":1689,"background":1680,"anchor":7,"item":1959},{"id":732,"date_created":1960,"date_updated":1961,"desktop_height":194,"mobile_height":1115},"2026-02-09T12:31:59.089Z","2026-02-09T12:37:42.471Z",{"id":650,"collection":1963,"background":1680,"anchor":7,"item":1964},"block_faqs",{"id":39,"date_created":1965,"date_updated":1966,"faqs":1967,"show_banner":5,"title":1983,"text_before_phone":1984,"text_end":1985,"phone":7,"use_default_phone":5},"2026-02-04T08:02:43.603Z","2026-07-26T21:55:07.374Z",[1968,1971,1974,1977,1980],{"question":1969,"answer":1970},"How to achieve the lowest APRC for a mortgage?","Simply. The lower the initial fees and regular costs, the lower the resulting APRC and the total overpayment of your mortgage.",{"question":1972,"answer":1973},"Is it possible to get a 100% mortgage in Slovakia?","A 100% mortgage (a loan for the full value of the security, i.e. the property) is currently generally only available when refinancing. Even so, it is possible to achieve 100% financing of a property purchase another way, by combining a mortgage with a consumer loan to cover the remaining amount. This solution is mainly available to applicants under 35 who are buying their first property.",{"question":1975,"answer":1976},"Should I insure my mortgage through the bank or elsewhere?","Concluding insurance directly through the bank often determines the interest rate discount. Individual insurance outside the bank, however, can offer more comprehensive damage coverage at a comparable price.",{"question":1978,"answer":1979},"Will you help me with buying a property?","Yes, and you can use the free services of a financial agent who will assist you during the purchase of a property while handling the mortgage. If you need active assistance or representation in searching for a property and comprehensive legal services from an attorney, you can use the paid buyer's agent service.",{"question":1981,"answer":1982},"Will you help me with selling a property?","Yes, gladly. You can use our free as well as paid real estate services. If you have a buyer for your property and correctly prepared documents, we will perform a free audit of them and then arrange mortgage financing for the buyer so that you receive the money from the sale into your account with legal certainty. If you are looking for a professional sale of your property, we will be happy to provide our real estate services or the services of our partners.","Still have questions?","We're here for you","Helping for 20 years",{"id":651,"collection":1689,"background":1680,"anchor":7,"item":1987},{"id":733,"date_created":1988,"date_updated":1989,"desktop_height":1818,"mobile_height":194},"2026-02-09T12:31:59.098Z","2026-02-09T12:37:42.441Z",{"id":652,"collection":1695,"background":1680,"anchor":7,"item":1991},{"id":188,"banner":1992},{"id":241,"date_created":242,"date_updated":243,"title":244,"layout":147,"text":7,"image":1993,"image_tablet":7,"buttons":1995},{"id":246,"storage":10,"filename_disk":247,"filename_download":248,"title":249,"type":14,"folder":15,"uploaded_by":16,"created_on":250,"modified_by":18,"modified_on":251,"charset":7,"filesize":252,"width":253,"height":254,"duration":7,"embed":7,"description":255,"location":7,"tags":7,"metadata":1994,"focal_point_x":7,"focal_point_y":7,"tus_id":7,"tus_data":7,"uploaded_on":257},{},{"buttons_m2m":1996},[1997,1999],{"block_button_id":1998},{"id":264,"sort":136,"date_created":265,"date_updated":266,"type":74,"url":267,"label":268,"variant":75,"button_group":7,"phone":7,"email":7,"show_default_phone":6,"page":7,"form":7},{"block_button_id":2000},{"id":178,"sort":45,"date_created":271,"date_updated":272,"type":74,"url":273,"label":274,"variant":177,"button_group":275,"phone":7,"email":7,"show_default_phone":6,"page":7,"form":7},{"id":653,"collection":1689,"background":1680,"anchor":7,"item":2002},{"id":734,"date_created":2003,"date_updated":2004,"desktop_height":1818,"mobile_height":194},"2026-02-09T12:31:59.122Z","2026-02-09T12:37:42.411Z",["Reactive",2006],{"id":4,"interest_rate_default":2007,"maturity_period_default":2008,"maturity_period_max":2009,"maturity_period_min":42,"mortgage_amount_default":2010,"mortgage_amount_max":2011,"mortgage_amount_min":2012,"translations":2013},3.09,360,480,200000,9999999,10000,[2014,2035],{"id":4,"main_mortgage_calculator_id":4,"languages_code":294,"mortgage_amount_title":2015,"mortgage_amount_desc":2016,"mortgage_amount_more_text":2017,"maturity_period_title":2018,"maturity_period_desc":2019,"maturity_period_text":2020,"interest_rate_title":2021,"interest_rate_desc":2022,"interest_rate_text":2023,"mortgage_fees_title":2024,"mortgage_fees_desc":2025,"mortgage_fees_text":2026,"onetime_fees_title":2027,"onetime_fees_text":7,"monthly_fees_title":2028,"monthly_fees_text":7,"yearly_fees_title":2029,"yearly_fees_text":7,"interest_base_title":7,"interest_base_desc":7,"interest_base_text":7,"user_guide_text":2030,"user_guide_modal_title":2031,"tooltip_amount":2032,"tooltip_period":2033,"tooltip_rate":2034},"Výška hypotéky","O akú výšku a LTV môžem požiadať?","\u003Ch2>Výška hypotéky a limity LTV\u003C\u002Fh2>\n\u003Cp>Aplikácia \u003Cstrong>Hypokalkulačka.sk\u003C\u002Fstrong> vám pri výpočte okamžite zobrazí potrebnú hodnotu zabezpečenia, ktorú banky vyžadujú pre schválenie úveru. Výpočet zohľadňuje limity \u003Cstrong>80 % a 90 % LTV\u003C\u002Fstrong> (Loan To Value). Tento limit predstavuje pomer medzi sumou úveru a celkovou hodnotou zakladaných nehnuteľností.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Dôležité upozornenie:\u003C\u002Fstrong> Túto hodnotu určuje banka na základe \u003Cstrong>znaleckého posudku\u003C\u002Fstrong> alebo \u003Cstrong>interného ocenenia\u003C\u002Fstrong>, nie kúpna cena nehnuteľnosti. Ako predmet zabezpečenia môže slúžiť jedna nehnuteľnosť, ale aj kombinácia viacerých (napr. existujúca a kupovaná).\u003C\u002Fp>\n\u003Ch3>Ktoré nehnuteľnosti banky akceptujú?\u003C\u002Fh3>\n\u003Cp>Primárne ide o rezidenčné nehnuteľnosti určené na celoročné bývanie, medzi ktoré patria byty, vybrané apartmány, rodinné domy a pozemky určené na výstavbu nehnuteľností na bývanie.\u003C\u002Fp>\n\u003Ch3>Na čo si dať pozor:\u003C\u002Fh3>\n\u003Cul>\n\u003Cli>\u003Cstrong>Vyššie LTV = menej možností:\u003C\u002Fstrong> Pri financovaní nad 80 % sa výber bánk zužuje a úroková sadzba sa spravidla zvyšuje.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Právny stav nehnuteľnosti:\u003C\u002Fstrong> Pred schvaľovaním je nevyhnutné preveriť ťarchy, exekúcie či prístupové cesty.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Disponujeme zoznamami spolupracujúcich súdnych znalcov akceptovaných všetkými bankami a rovnako vieme zabezpečiť interný odhad banky.\u003C\u002Fp>\n\u003Cblockquote>\n\u003Cp>Nižšia suma hypotéky vzhľadom k hodnote nehnuteľnosti prináša širší výber bánk a výhodnejšie podmienky.\u003C\u002Fp>\n\u003C\u002Fblockquote>","Splatnosť hypotéky","Akú splatnosť si mám vybrať?","\u003Ch2>Splatnosť hypotéky a flexibilita splácania\u003C\u002Fh2>\n\u003Cp>Doba splatnosti sa štandardne nastavuje do 30 rokov, pričom niektoré banky ju umožňujú nastaviť až na 40 rokov (v závislosti od veku žiadateľa a limitov DTI\u002FDSTI). Platí pravidlo, čím dlhšia je splatnosť, tým vyššie sú celkové náklady na úrokoch, ale nižšie mesačné zaťaženie.\u003C\u002Fp>\n\u003Cp>Z dlhodobého hľadiska môže byť efektívnejšie zvoliť dlhšiu splatnosť a nižšiu povinnú splátku. Prebytočné financie môžete smerovať do tvorby rezervy, mimoriadnych vkladov alebo investovania. Tento prístup zvyšuje vašu finančnú flexibilitu a chráni pred neočakávaným výpadkom príjmov.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Dobu splatnosti môžete skrátiť a predĺžiť aj počas doby splácania.\u003C\u002Fstrong> V súlade s legislatívou a podmienkami bánk môžete realizovať mimoriadne vklady alebo hypotéku predčasne splatiť úplne bez poplatkov (napríklad pri ukončení fixácie alebo v rámci zákonných ročných limitov).\u003C\u002Fp>\n\u003Cblockquote>\n\u003Cp>Rozumná splatnosť chráni váš rozpočet.\u003C\u002Fp>\n\u003C\u002Fblockquote>","Úroková sadzba","Ako získam najnižší úrok?","\u003Ch2>Úrok a fixácia v širšom kontexte\u003C\u002Fh2>\n\u003Cp>Úroková sadzba je dôležitý parameter, ktorý určuje výšku mesačnej splátky a preplatenie hypotéky. \u003Cstrong>Rozumné je však sledovať aj celkové náklady vyjadrené cez RPMN.\u003C\u002Fstrong> Po uplynutí fixácie môžete bezplatne zmeniť podmienky v súčasnej banke alebo hypotéku refinancovať a preniesť ju do inej banky.\u003C\u002Fp>\n\u003Ch3>Vplyv ostatných parametrov na cenu hypotéky\u003C\u002Fh3>\n\u003Cul>\n\u003Cli>\u003Cstrong>Zmluvné podmienky a servis:\u003C\u002Fstrong> Pri minimálnom rozdiele v sadzbách je rozhodujúcim faktorom flexibilita banky a kvalita následného servisu.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Možnosti počas fixácie:\u003C\u002Fstrong> Niektoré banky umožňujú zníženie úroku v rámci retenčných programov bez nutnosti refinancovania. Iné dovoľujú zafixovanie výhodnejšej sadzby v predstihu.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Individuálny prístup:\u003C\u002Fstrong> Prístup bánk k schvaľovaniu výnimiek pri hypotéke sa líši v závislosti od ich aktuálnej obchodnej stratégie a trhových podmienok.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Komplexný pohľad na zmluvu a flexibilitu inštitúcie prináša z dlhodobého hľadiska vyššiu úsporu než zameranie sa výhradne na základnú úrokovú sadzbu. \u003Cstrong>Celkové náklady hypotéky počítajte do konca prvého fixného obdobia.\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cblockquote>\n\u003Cp>Správna fixácia vám môže ušetriť peniaze.\u003C\u002Fp>\n\u003C\u002Fblockquote>","Poplatky pre podrobný výpočet a RPMN","Aké poplatky sú pri hypotéke?","\u003Ch2>Poplatky a ostatné náklady\u003C\u002Fh2>\n\u003Cp>Poplatky a ostatné náklady sú súčasťou hypotekárneho procesu, pokiaľ práve neprebieha kampaň na ich odpustenie. Pre presný výpočet RPMN, ktorá odzrkadľuje skutočnú cenu hypotéky, môžete do kalkulačky zadať sumy pre nasledujúce položky:\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Vstupné poplatky\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>Spracovanie alebo schválenie hypotéky\u003C\u002Fstrong> (poplatok banky).\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Vyhotovenie znaleckého posudku\u003C\u002Fstrong> (poplatok znalca alebo banky).\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Listy vlastníctva a vklad do katastra\u003C\u002Fstrong> (správne poplatky).\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Cstrong>Pravidelné náklady\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>Mesačný poplatok za vedenie účtu:\u003C\u002Fstrong> Započítajte ho, ak je podmienkou výhodnejšej úrokovej sadzby.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Mesačné poistenie hypotéky:\u003C\u002Fstrong> Tento produkt nemusí byť efektívny ani pri ponúkanej zľave z úroku.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Ročné poistenie nehnuteľnosti:\u003C\u002Fstrong> Uzatvorenie priamo cez banku môže byť  podmienkou zľavy na úroku.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>V rámci trhovej súťaže existujú mechanizmy na minimalizáciu alebo úplné odpustenie poplatkov. Konečné rozhodnutie je vždy v kompetencii financujúcej banky, no odborne vyjednávanie dokáže náklady na vašu hypotéku výrazne znížiť.\u003C\u002Fp>\n\u003Cblockquote>\n\u003Cp>RPMN odhaľuje ďalšie náklady.\u003C\u002Fp>\n\u003C\u002Fblockquote>","Vstupné","Mesačné","Ročné","\u003Ch2>Pridajte si hypokalkulačku na plochu\u003C\u002Fh2>\n\u003Ctable style=\"width: 100%; border-collapse: collapse; font-family: sans-serif; font-size: 14px; color: #333; border: 1px solid #ddd;\">\n\u003Cthead>\n\u003Ctr style=\"background-color: #f8f9fa;\">\n\u003Cth style=\"padding: 10px; border: 1px solid #ddd; text-align: left;\">Zariadenie\u003C\u002Fth>\n\u003Cth style=\"padding: 10px; border: 1px solid #ddd; text-align: left;\">Prehliadač\u003C\u002Fth>\n\u003Cth style=\"padding: 10px; border: 1px solid #ddd; text-align: left;\">Ako inštalovať\u003C\u002Fth>\n\u003C\u002Ftr>\n\u003C\u002Fthead>\n\u003Ctbody>\n\u003Ctr>\n\u003Ctd style=\"padding: 10px; border: 1px solid #ddd;\">\u003Cstrong>Android\u003C\u002Fstrong>\u003C\u002Ftd>\n\u003Ctd style=\"padding: 10px; border: 1px solid #ddd;\">Chrome, Edge a ďalšie\u003C\u002Ftd>\n\u003Ctd style=\"padding: 10px; border: 1px solid #ddd;\">V menu (3 bodky) zvoľte \u003Cstrong>\"Inštalovať aplikáciu\"\u003C\u002Fstrong>.\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd style=\"padding: 10px; border: 1px solid #ddd;\">\u003Cstrong>iPhone \u002F iPad\u003C\u002Fstrong>\u003C\u002Ftd>\n\u003Ctd style=\"padding: 10px; border: 1px solid #ddd;\">Safari, Chrome a ďalšie\u003C\u002Ftd>\n\u003Ctd style=\"padding: 10px; border: 1px solid #ddd;\">Kliknite na \u003Cstrong>Zdieľať\u003C\u002Fstrong> (štvorec so šípkou) a potom \u003Cstrong>\"Pridať na plochu\"\u003C\u002Fstrong>.\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd style=\"padding: 10px; border: 1px solid #ddd;\">\u003Cstrong>PC \u002F Mac\u003C\u002Fstrong>\u003C\u002Ftd>\n\u003Ctd style=\"padding: 10px; border: 1px solid #ddd;\">Chrome, Edge a ďalšie\u003C\u002Ftd>\n\u003Ctd style=\"padding: 10px; border: 1px solid #ddd;\">V adresnom riadku vpravo hore kliknite na ikonu \u003Cstrong>(+) Inštalovať\u003C\u002Fstrong>.\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003C\u002Ftbody>\n\u003C\u002Ftable>\n\u003Cp>\u003Cstrong>Ovládajte šípkami\u003Cbr>\u003Cspan style=\"font-size: 18px; line-height: 1;\" aria-hidden=\"true\">⬅️➡️\u003C\u002Fspan>\u003C\u002Fstrong> prepínate medzi posuvníkmi\u003Cbr>\u003Cstrong>\u003Cspan style=\"font-size: 18px; line-height: 1;\" aria-hidden=\"true\">⬆️⬇️\u003C\u002Fspan>\u003C\u002Fstrong> upravujete výšku hodnoty\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Vlastné hodnoty bez limitov\u003Cbr>\u003C\u002Fstrong>Do políčok môžete vpísať vyššiu hodnotu manuálne, napríklad nad 500 000 € alebo nad 7,99 %.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Vysvetlivky\u003Cbr>\u003C\u002Fstrong>Klikajte na ikonky (›) vedľa otázok pre detailné informácie.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Bezplatná pomoc\u003C\u002Fstrong>\u003Cbr>Naši licencovaní agenti vám s hypotékou poradia bezplatne.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Našli ste chybu?\u003C\u002Fstrong> Kliknite na \u003Ca href=\"mailto:info@agent.sk\">\u003Cspan style=\"text-decoration: underline;\">nahlásiť chybu\u003C\u002Fspan>\u003C\u002Fa> a dajte nám vedieť. Budeme vďační za každú spätnú väzbu!\u003C\u002Fp>\n\u003Cp>Ďakujeme, že používate \u003Cstrong>Hypokalkulačka.sk\u003C\u002Fstrong>, Tím \u003Cstrong>AGENT.SK\u003C\u002Fstrong>\u003C\u002Fp>","Užitočné tipy","Vložte  sumu","Vložte vašu splatnosť","Vložte vašu sadzbu",{"id":28,"main_mortgage_calculator_id":4,"languages_code":29,"mortgage_amount_title":2036,"mortgage_amount_desc":2037,"mortgage_amount_more_text":2038,"maturity_period_title":2039,"maturity_period_desc":2040,"maturity_period_text":2041,"interest_rate_title":2042,"interest_rate_desc":2043,"interest_rate_text":2044,"mortgage_fees_title":2045,"mortgage_fees_desc":2046,"mortgage_fees_text":2047,"onetime_fees_title":2048,"onetime_fees_text":7,"monthly_fees_title":2049,"monthly_fees_text":7,"yearly_fees_title":2050,"yearly_fees_text":7,"interest_base_title":7,"interest_base_desc":7,"interest_base_text":7,"user_guide_text":2051,"user_guide_modal_title":2052,"tooltip_amount":2053,"tooltip_period":2054,"tooltip_rate":2055},"Mortgage amount","What loan amount and LTV can I apply for?","\u003Ch2>Mortgage amount and LTV Limits\u003C\u002Fh2>\n\u003Cp>\u003Cstrong>Hypokalkulačka.sk\u003C\u002Fstrong> instantly calculates the required collateral value needed for loan approval. The calculation takes into account \u003Cstrong>80% and 90% LTV\u003C\u002Fstrong> (Loan To Value) limits. This ratio represents the relationship between the loan amount and the total value of the pledged properties.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Important Note:\u003C\u002Fstrong> This value is determined by the bank based on a \u003Cstrong>surveyor's report (appraisal)\u003C\u002Fstrong> or an \u003Cstrong>internal valuation\u003C\u002Fstrong>, not the purchase price. A single property or a combination of multiple properties (e.g., existing and newly purchased) can serve as collateral.\u003C\u002Fp>\n\u003Ch3>Which property types are accepted?\u003C\u002Fh3>\n\u003Cp>Banks primarily accept residential properties intended for year-round living, such as apartments, selected holiday flats, family houses, and land plots designated for residential construction.\u003C\u002Fp>\n\u003Ch3>Key considerations:\u003C\u002Fh3>\n\u003Cul>\n\u003Cli>\u003Cstrong>Higher LTV = Fewer Options:\u003C\u002Fstrong> Financing above 80% LTV typically reduces your choice of lenders and leads to higher interest rates.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Legal Status:\u003C\u002Fstrong> Before applying, it is crucial to verify liens, encumbrances, and legal access roads.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>We provide access to certified surveyors accepted by all major banks and can also arrange for an internal bank appraisal.\u003C\u002Fp>\n\u003Cblockquote>\n\u003Cp>A lower mortgage amount relative to the property value results in more financing options and better terms.\u003C\u002Fp>\n\u003C\u002Fblockquote>","Mortgage term","What term should I choose?","\u003Ch2>Mortgage term and repayment flexibility\u003C\u002Fh2>\n\u003Cp>Mortgage term is standardly set at 30 years, while some banks allow it to be set up to 40 years (depending on the applicant's age and DTI\u002FDSTI limits). The rule applies: the longer the maturity, the higher the total interest costs, but the lower the monthly burden.\u003C\u002Fp>\n\u003Cp>From a long-term perspective, it may be more efficient to choose a longer maturity and lower mandatory payment. You can direct excess funds into creating a reserve, extraordinary deposits, or investing. This approach increases your financial flexibility and protects against an unexpected loss of income.\u003C\u002Fp>\n\u003Cp>You can \u003Cstrong>shorten or extend\u003C\u002Fstrong> the mortgage term period even during the repayment period. In accordance with legislation and bank conditions, you can make extraordinary deposits or repay the mortgage early without fees (for example, upon the end of fixation or within statutory annual limits).\u003C\u002Fp>\n\u003Cblockquote>\n\u003Cp>Reasonable maturity protects your budget.\u003C\u002Fp>\n\u003C\u002Fblockquote>","Interest rate","How do I get the lowest rate?","\u003Ch2>Interest rate and fixation in a broader context\u003C\u002Fh2>\n\u003Cp>The interest rate is an important parameter that determines the amount of your monthly payment and mortgage overpayment. However, it is wise to also monitor the \u003Cstrong>total costs (APR)\u003C\u002Fstrong>. After the expiration of the fixation, you can change the conditions at the current bank for free or refinance the mortgage and transfer it to another bank.\u003C\u002Fp>\n\u003Ch3>Impact of other parameters on the mortgage price\u003C\u002Fh3>\n\u003Cul>\n\u003Cli>\u003Cstrong>Contractual conditions and service:\u003C\u002Fstrong> With a minimal difference in rates, the decisive factor is the bank's flexibility and the quality of subsequent service.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Options during fixation:\u003C\u002Fstrong> Some banks allow interest rate reductions within retention programs without the need for refinancing. Others allow you to fix a more favorable rate in advance.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Individual approach:\u003C\u002Fstrong> Banks' approach to mortgage exceptions varies depending on their current business strategy and market conditions.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>A comprehensive view of the contract and the institution's flexibility brings higher savings in the long run than focusing exclusively on the base interest rate. \u003Cstrong>Calculate the total mortgage costs until the end of the first fixed period.\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cblockquote>\n\u003Cp>Proper fixation can save you money.\u003C\u002Fp>\n\u003C\u002Fblockquote>","Fees for detailed calculation and APR","What fees apply to a mortgage?","\u003Ch2>Fees and other costs\u003C\u002Fh2>\n\u003Cp>Fees and other costs are part of the mortgage process, unless a special campaign for their waiver is currently underway. For an accurate APR calculation, which reflects the true cost of the mortgage, you can enter the amounts for the following items into the calculator:\u003C\u002Fp>\n\u003Ch3>Initial fees\u003C\u002Fh3>\n\u003Cul>\n\u003Cli>Processing or approval of the mortgage (bank fee).\u003C\u002Fli>\n\u003Cli>Preparation of an expert appraisal (expert or bank fee).\u003C\u002Fli>\n\u003Cli>Title deeds and proposal for entry into the cadastre (administrative fees).\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>Regular costs\u003C\u002Fh3>\n\u003Cul>\n\u003Cli>\u003Cstrong>Monthly account maintenance fee:\u003C\u002Fstrong> Include if required for a lower interest rate.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Monthly mortgage insurance:\u003C\u002Fstrong> This product may not be effective even with the offered interest rate discount.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Annual property insurance:\u003C\u002Fstrong> Concluding insurance directly through the bank is often a condition for a rate discount.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Within the market competition, there are mechanisms to minimize or completely waive fees. The final decision is always within the competence of the financing bank, but professional negotiation can significantly reduce the costs of your mortgage.\u003C\u002Fp>\n\u003Cblockquote>\n\u003Cp>APR reveals additional costs.\u003C\u002Fp>\n\u003C\u002Fblockquote>","Upfront","Monthly","Yearly","\u003Ch2>Pridajte si hypokalkulačku na plochu\u003C\u002Fh2>\n\u003Ctable style=\"width: 100%; border-collapse: collapse; font-family: sans-serif; font-size: 14px; color: #333; border: 1px solid #ddd;\">\n\u003Cthead>\n\u003Ctr style=\"background-color: #f8f9fa;\">\n\u003Cth style=\"padding: 10px; border: 1px solid #ddd; text-align: left;\">Zariadenie\u003C\u002Fth>\n\u003Cth style=\"padding: 10px; border: 1px solid #ddd; text-align: left;\">Prehliadač\u003C\u002Fth>\n\u003Cth style=\"padding: 10px; border: 1px solid #ddd; text-align: left;\">Ako inštalovať\u003C\u002Fth>\n\u003C\u002Ftr>\n\u003C\u002Fthead>\n\u003Ctbody>\n\u003Ctr>\n\u003Ctd style=\"padding: 10px; border: 1px solid #ddd;\">\u003Cstrong>Android\u003C\u002Fstrong>\u003C\u002Ftd>\n\u003Ctd style=\"padding: 10px; border: 1px solid #ddd;\">Chrome, Edge a ďalšie\u003C\u002Ftd>\n\u003Ctd style=\"padding: 10px; border: 1px solid #ddd;\">V menu (3 bodky) zvoľte \u003Cstrong>\"Inštalovať aplikáciu\"\u003C\u002Fstrong>.\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd style=\"padding: 10px; border: 1px solid #ddd;\">\u003Cstrong>iPhone \u002F iPad\u003C\u002Fstrong>\u003C\u002Ftd>\n\u003Ctd style=\"padding: 10px; border: 1px solid #ddd;\">Safari (odporúčané)\u003C\u002Ftd>\n\u003Ctd style=\"padding: 10px; border: 1px solid #ddd;\">Kliknite na \u003Cstrong>Zdieľať\u003C\u002Fstrong> (štvorec so šípkou) a potom \u003Cstrong>\"Pridať na plochu\"\u003C\u002Fstrong>. V iných prehliadačoch (napr. Chrome) sa vytvorí len záložka bez plnej funkcionality appky.\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd style=\"padding: 10px; border: 1px solid #ddd;\">\u003Cstrong>PC \u002F Mac\u003C\u002Fstrong>\u003C\u002Ftd>\n\u003Ctd style=\"padding: 10px; border: 1px solid #ddd;\">Chrome, Edge a ďalšie\u003C\u002Ftd>\n\u003Ctd style=\"padding: 10px; border: 1px solid #ddd;\">V adresnom riadku vpravo hore kliknite na ikonu \u003Cstrong>(+) Inštalovať\u003C\u002Fstrong>.\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003C\u002Ftbody>\n\u003C\u002Ftable>\n\u003Cp>\u003Cstrong>Ovládajte šípkami\u003Cbr>\u003Cspan style=\"font-size: 18px; line-height: 1;\" aria-hidden=\"true\">⬅️➡️\u003C\u002Fspan>\u003C\u002Fstrong> prepínate medzi posuvníkmi\u003Cbr>\u003Cstrong>\u003Cspan style=\"font-size: 18px; line-height: 1;\" aria-hidden=\"true\">⬆️⬇️\u003C\u002Fspan>\u003C\u002Fstrong> upravujete výšku hodnoty\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Vlastné hodnoty bez limitov\u003Cbr>\u003C\u002Fstrong>Do políčok môžete vpísať vyššiu hodnotu manuálne, napríklad nad 500 000 € alebo nad 7,99 %.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Vysvetlivky\u003Cbr>\u003C\u002Fstrong>Klikajte na ikonky (›) vedľa otázok pre detailné informácie.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Bezplatná pomoc\u003C\u002Fstrong>\u003Cbr>Naši licencovaní agenti vám s hypotékou poradia bezplatne.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Našli ste chybu?\u003C\u002Fstrong> Kliknite na \u003Ca href=\"mailto:info@agent.sk\">\u003Cspan style=\"text-decoration: underline;\">nahlásiť chybu\u003C\u002Fspan>\u003C\u002Fa> a dajte nám vedieť. Budeme vďační za každú spätnú väzbu!\u003C\u002Fp>\n\u003Cp>Ďakujeme, že používate \u003Cstrong>Hypokalkulačka.sk\u003C\u002Fstrong>, Tím \u003Cstrong>AGENT.SK\u003C\u002Fstrong>\u003C\u002Fp>","Useful tips","Enter amount","Enter your term","Enter yor rate",1786479178557]