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Pre najpresnejšiu ponuku je potrebné sprcovať nazáväznú žiadosť o hypotéku v bankách a to cez finančného agenta, ktorý ich má v portfóliu všetky.",{"question":1729,"answer":1727},"Prečo sa moja výsledná hypotéka môže líšiť od výpočtu v hypotekárnej kalkulačke?",{"question":1731,"answer":1727},"Ako viem, či hypotéku vôbec dostanem?",{"question":1733,"answer":1727},"Kedy je najlepšie riešiť hypotéku?",{"question":1735,"answer":1727},"Ako sa zmení moja splátka a celkové preplatenie hypotéky po skončení fixácie?","Nenašli ste odpoveď?","Sme tu pre vás","Pomáhame už 20 rokov",{"id":1740,"collection":1699,"background":1689,"anchor":7,"item":1741},161,{"id":694,"date_created":1742,"date_updated":7,"desktop_height":1707,"mobile_height":194},"2026-02-09T12:44:07.676Z",{"id":1744,"collection":1699,"background":1689,"anchor":7,"item":1745},163,{"id":695,"date_created":1746,"date_updated":7,"desktop_height":1707,"mobile_height":194},"2026-02-09T12:44:55.097Z",["Reactive",1748],{"id":4,"default_interest_rate":1749,"nbs_dti_base_multiplier":1750,"nbs_dti_floor_multiplier":1751,"nbs_dti_age_threshold":194,"nbs_dti_age_reduction_per_year":1752,"nbs_dsti_limit_percent":1753,"credit_card_dti_percent":1754,"credit_card_dsti_percent":1751,"life_minimum_first_adult":1755,"life_minimum_next_adult":1756,"life_minimum_child":1757,"max_age_at_maturity":1758,"stress_test_short_fixation_pp":1759,"stress_test_long_fixation_pp":1760,"translations":1761},"3.39000","8.00000","3.00000","0.25000","60.00000","20.00000","295.22000","205.96000","134.80000","75","2.00000","1.00000",[1762,1784],{"id":4,"calculator_by_dti_dsti_id":4,"languages_code":294,"step_1_title":1763,"step_1_desc":1764,"step_1_text":7,"step_2_title":1765,"step_2_desc":1766,"step_2_text":1767,"step_3_title":1768,"step_3_desc":1769,"step_3_text":1770,"step_4_title":1771,"step_4_desc":1772,"step_4_text":7,"applicant_age":1773,"applicant_net_income":1774,"co_applicant_age":1775,"co_applicant_net_income":1776,"tooltip_applicant_age":7,"tooltip_applicant_net_income":7,"tooltip_co_applicant_age":7,"tooltip_co_applicant_net_income":7,"number_of_children":1777,"tooltip_number_of_children":7,"loan_balance":7,"remaining_maturity":7,"actual_monthly_payment":7,"fixation":7,"tooltip_loan_balance":7,"tooltip_remaining_maturity":7,"tooltip_interest_rate":7,"sum_limits":1778,"tooltip_sum_limits":7,"interest_rate":7,"nbs_stress_test":7,"tooltip_results_maturity_period":7,"tooltip_results_interest_rate":7,"tooltip_fixation":7,"results_interest_rate_stress":7,"results_fixation":7,"results_maturity_period":7,"results_interest_rate":7,"user_guide_modal_title":1779,"user_guide_text":1780,"warning_low_mortgage":1781,"warning_stress_off":1782,"warning_age_limited_maturity_text":1783},"Údaje o vás a vašich príjmoch","Aké údaje potrebujem vložiť pre výpočet?","Nezaopatrené deti","Ktoré deti mám započítať?","\u003Cp>RIEŠIM DIZAJN\u003C\u002Fp>","Finančné záväzky","Ktoré finančné záväzky mám počítať?","\u003Ch2>RIEŠIM DIZAJN\u003C\u002Fh2>","Kreditné limity a prečerpanie","Aké limity mám započítať?","Vek žiadateľa","Čistý príjem","Vek 2. žiadateľa","Čistý príjem 2. žiadateľa","Počet nezaopatrených detí","Súčet limitov","Navod","\u003Cp>SK navod\u003C\u002Fp>","Pre zadané príjmy nie je dostupná hypotéka. Odporúčame zvýšiť príjem, pridať spolužiadateľa alebo zvoliť dlhšiu dobu splatnosti.","Táto suma je informatívna. Banka pri posudzovaní úveru vždy aplikuje úrokový stres test, takže reálna maximálna výška úveru  môže byť nižšia. ","Maximálna doba splatnosti je obmedzená na {maxYears} rokov, pretože úver musí byť splatený najneskôr do {maxAge}. roku života žiadateľa.",{"id":28,"calculator_by_dti_dsti_id":4,"languages_code":29,"step_1_title":1785,"step_1_desc":1786,"step_1_text":1787,"step_2_title":1788,"step_2_desc":1789,"step_2_text":1790,"step_3_title":1791,"step_3_desc":1792,"step_3_text":1793,"step_4_title":1794,"step_4_desc":1795,"step_4_text":1796,"applicant_age":1797,"applicant_net_income":1798,"co_applicant_age":1799,"co_applicant_net_income":1800,"tooltip_applicant_age":1801,"tooltip_applicant_net_income":1802,"tooltip_co_applicant_age":1803,"tooltip_co_applicant_net_income":1804,"number_of_children":1805,"tooltip_number_of_children":1806,"loan_balance":1807,"remaining_maturity":1808,"actual_monthly_payment":1809,"fixation":1810,"tooltip_loan_balance":1811,"tooltip_remaining_maturity":1812,"tooltip_interest_rate":1813,"sum_limits":1814,"tooltip_sum_limits":1815,"interest_rate":1816,"nbs_stress_test":1817,"tooltip_results_maturity_period":1818,"tooltip_results_interest_rate":1819,"tooltip_fixation":1820,"results_interest_rate_stress":1821,"results_fixation":1822,"results_maturity_period":1823,"results_interest_rate":1824,"user_guide_modal_title":1825,"user_guide_text":1826,"warning_low_mortgage":1827,"warning_stress_off":1828,"warning_age_limited_maturity_text":1829},"Step 1","What details do I need for a basic calculation?","\u003Ch2>RIEŠIM DIZAJN step 1\u003C\u002Fh2>","Step 2","What types of income do banks accept?","\u003Ch3> step 2 RIEŠIM DIZAJN\u003C\u002Fh3>","Existing loanss","Which loans to count??","\u003Ch2>RIEŠIM DIZAJN EN step 3\u003C\u002Fh2>","Step 4","Step 4 desc","\u003Cp>Step 4 texttt\u003C\u002Fp>","Applicant agee","Applicant ne tincome","Coapplicant age","Coapplicant net income","A Tooltip","ANI Tooltip","CA Tooltip","CANIvTooltip","Number of children","NC Tooltip","Balance","Remaining maturityt","Actual monthly payment","Fixationn","bal Tool","RM Tooltip","IR Tip","Sum limits label","sum lim","Interest rate","Nbs stress test","MP tooltip","IR tooltip","F Tool","Interest rate stress res","Fixation res","Maturity period res","Interest rate res","User Guide","\u003Cp>EN guide\u003C\u002Fp>","No mortgage is available for the entered income. We recommend increasing income, adding a co-applicant, or choosing a longer maturity period.","This amount is informational. Banks always apply an interest rate stress test when assessing loan applications, so the actual maximum loan amount may be lower.  ","Maximum maturity is limited to {maxYears} years because the loan must be repaid by age {maxAge}. ",1792142125647]