{"id":1399,"date":"2018-10-08T12:19:03","date_gmt":"2018-10-08T10:19:03","guid":{"rendered":"https:\/\/financer.com\/sk\/?post_type=company_single&#038;p=1399"},"modified":"2024-02-22T00:16:43","modified_gmt":"2024-02-21T23:16:43","slug":"vub","status":"publish","type":"company_single","link":"https:\/\/financer.com\/sk\/spolocnost\/vub\/","title":{"rendered":"V\u00daB Banka"},"content":{"rendered":"\n<p>V\u00daB Banka, alebo tie\u017e skr\u00e1tene len V\u00daB je po <a href=\"https:\/\/financer.com\/sk\/spolocnost\/slsp\/\">Slovenskej sporite\u013eni<\/a> <strong>druhou najv\u00e4\u010d\u0161ou slovenskou bankou,\u00a0<\/strong>ktor\u00e1 sa star\u00e1 o 1,2 mili\u00f3na klientov.\u00a0Z\u00e1rove\u0148 je aj jedinou univerz\u00e1lnou bankou s kompletnou licenciou na poskytovanie pln\u00e9ho rozsahu bankov\u00fdch slu\u017eieb be\u017en\u00fdm ob\u010danom, firm\u00e1m a in\u0161tit\u00faci\u00e1m.<\/p>\n\n\n\n<p>Vo svojom portf\u00f3liu finan\u010dn\u00fdch produktov sa najv\u00e4\u010d\u0161mi opiera o <strong>hypotek\u00e1rne a spotrebn\u00e9 \u00favery<\/strong>, firemn\u00e9 bankovn\u00edctvo a financovanie zahrani\u010dnoobchodn\u00fdch aktiv\u00edt, spotrebite\u013esk\u00e9 financovanie a faktoring.<\/p>\n\n\n\n<p>Je dostupn\u00e1, svoje slu\u017eby poskytuje v \u0161irokej sieti obchodn\u00fdch miest a pobo\u010diek, ktor\u00fdch je dnes 182. Okrem nich s\u00fa pod spr\u00e1vou V\u00daB prev\u00e1dzkovan\u00e9 firemn\u00e9 pobo\u010dky, Magnifica centr\u00e1 a 11 hypotek\u00e1rnych centier, ktor\u00e9 sa \u0161pecializuj\u00fa na kompletn\u00fd servis spojen\u00fd s financovan\u00edm b\u00fdvania. Hypot\u00e9ka od V\u00daB vyhrala v s\u00fa\u0165a\u017ei Hypot\u00e9ka roka 2018.<\/p>\n\n\n\n<p>Banka, ktor\u00e1 sa m\u00f4\u017ee p\u00fd\u0161i\u0165 titulom <strong>Banka roka 2017 na Slovensku<\/strong> v\u0161ak nezab\u00fada na dobro\u010dinn\u00fd a podporuj\u00faci rozmer a aktivity tohto typu vykon\u00e1va prostredn\u00edctvom Nad\u00e1cie V\u00daB. <\/p>\n\n\n\n<p>T\u00e1 v\u00fdznamne podporuje mnoh\u00e9 verejnoprospe\u0161n\u00e9 projekty a aktivity. Za doteraj\u0161ie roky svojej existencie podporila viac ako 1000 projektov v ktor\u00fdch <strong>rozdala cez 9 mili\u00f3nov eur<\/strong>.<\/p>\n\n\n\n<p>Navy\u0161e, pri poskytovan\u00ed kompletn\u00e9ho finan\u010dn\u00e9ho portf\u00f3lia sa m\u00f4\u017ee spo\u013eahn\u00fa\u0165 na podporu nadn\u00e1rodnej talianskej bankovej skupiny\u00a0<strong>Intesa Sanpaolo.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">V\u00fdhody<\/h3>\n\n\n\n<ul class=\"is-style-pros-list\">\n<li>Mo\u017enos\u0165 \u010derpa\u0165 a\u017e 35 000 \u20ac<\/li>\n\n\n\n<li>Ro\u010dn\u00e9 \u00farokov\u00e9 sadzby od 6,5 %<\/li>\n\n\n\n<li>Doba spl\u00e1cania a\u017e 8 rokov<\/li>\n\n\n\n<li>Stabiln\u00e1 a etablovan\u00e1 banka<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3>Nev\u00fdhody<\/h3><li>\n<p>4 % poplatok z v\u00fd\u0161ky istiny za vybavenie<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Internet_banking\">Internet banking<\/h2>\n\n\n\n<p>Internet banking od V\u00daB mo\u017eno definova\u0165 ako jednoducho ovl\u00e1date\u013en\u00fd a\u00a0bezpe\u010dn\u00fd. Pri prvom prihl\u00e1sen\u00ed je potrebn\u00e9 zada\u0165 identifika\u010dn\u00e9 \u010d\u00edslo a\u00a0heslo.<\/p>\n\n\n\n<p>V\u00a0druhom kroku je potrebn\u00e9 zada\u0165 druh\u00fd bezpe\u010dnostn\u00fd prvok \u2013 Token, Mobiln\u00fd Token, mobiln\u00fd PIN alebo m\u00f4\u017eete pou\u017ei\u0165 tradi\u010dn\u00fa SMS autoriz\u00e1ciu.<\/p>\n\n\n\n<p>Do mobilnej aplik\u00e1cie V\u00daB Mobil Banking sa taktie\u017e m\u00f4\u017eete prihl\u00e1si\u0165 PIN k\u00f3dom, ktor\u00fdm autorizujete aj va\u0161e transakcie. <\/p>\n\n\n\n<p>Aplik\u00e1cia je jednoduch\u00e1, zrozumite\u013en\u00e1 a\u00a0pon\u00faka dostato\u010dn\u00fd preh\u013ead o\u00a0financi\u00e1ch na va\u0161om \u00fa\u010dte. Umo\u017e\u0148uje v\u00e1m r\u00fdchlej\u0161ie platby cez Scan&amp;Pay, kedy mobilom naskenujete, QR k\u00f3d, IBAN alebo EAN k\u00f3d.<\/p>\n\n\n\n<p>V\u00daB Mobil Banking taktie\u017e umo\u017e\u0148uje v\u00fdber z\u00a0bankomatu bez pou\u017eitia karty \u010di jej uzamknutie v\u00a0pr\u00edpade straty.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Recenzie\">Recenzie<\/h2>\n\n\n\n<p>V\u00daB sa dlhodobo zara\u010fuje k d\u00f4veryhodn\u00fdm poskytovate\u013eom finan\u010dn\u00fdch produktov. V jej portf\u00f3liu n\u00e1jdeme <strong>kompletn\u00e9 slu\u017eby a d\u00f4veruje jej viac ako 1,2 mili\u00f3na klientov<\/strong> na celom Slovensku.\u00a0V jej prospech hovoria ocenenia, ktor\u00e9 ako banka ka\u017edoro\u010dne z\u00edskava, \u010di u\u017e v celkovom hodnoten\u00ed spokojnosti z\u00e1kazn\u00edkov alebo v r\u00e1mci hodnotenia jednotliv\u00fdch finan\u010dn\u00fdch produktov.<\/p>\n\n\n\n<p>Hlavn\u00fd \u00faverov\u00fd produkt, <strong>Flexip\u00f4\u017ei\u010dka do 35 000 EUR<\/strong> je klasick\u00fdm spotrebn\u00fdm \u00faverom na \u010doko\u013evek bez ru\u010dite\u013ea. \u00darokov\u00e9 sadzby patria k tomu lep\u0161iemu, \u010do pon\u00faka slovensk\u00fd trh. Nev\u00fdhodou je \u00fa\u010dtovan\u00fd poplatok 4% z v\u00fd\u0161ky \u00faveru za vybavenie \u00faveru. <strong>Ten si v s\u00fa\u010dasnosti viete zn\u00ed\u017ei\u0165 o polovicu<\/strong>, ak po\u017eiadate o p\u00f4\u017ei\u010dku s odmenou.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><tbody><tr><th>V\u00fd\u0161ka p\u00f4\u017ei\u010dky<\/th><th>3 000 \u20ac<\/th><th>7 000 \u20ac<\/th><th>20 000 \u20ac<\/th><\/tr><tr><td>Po\u010det spl\u00e1tok<\/td><td>24<\/td><td>60<\/td><td>96<\/td><\/tr><tr><td>Mesa\u010dn\u00e1 spl\u00e1tka<\/td><td>145,46 \u20ac<\/td><td>155,36 \u20ac<\/td><td>281,72 \u20ac<\/td><\/tr><tr><td>Ro\u010dn\u00fd \u00farok<\/td><td>15 %<\/td><td>11,9 %<\/td><td>7,9 %<\/td><\/tr><tr><td>Poplatok za vybavenie<\/td><td>2 %<\/td><td>2 %<\/td><td>2 %<\/td><\/tr><tr><td>RPMN<\/td><td>18,47 %<\/td><td>13,57 %<\/td><td>8,8 %<\/td><\/tr><tr><td><strong>Celkov\u00e1 \u010diastka na zaplatenie<\/strong><\/td><td><strong>3 551,04 \u20ac<\/strong><\/td><td><strong>9 461,60 \u20ac<\/strong><\/td><td><strong>27 445,12 \u20ac<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Cieov_skupina\">Cie\u013eov\u00e1 skupina<\/h3>\n\n\n\n<p>Cie\u013eovou skupinou V\u00daB banky s\u00fa tak ako u v\u00e4\u010d\u0161iny klasick\u00fdch komer\u010dn\u00fdch b\u00e1nk prim\u00e1rne pracuj\u00faci ob\u010dania Slovenskej republiky so st\u00e1lym zdrojom pr\u00edjmov. <\/p>\n\n\n\n<p>Pri V\u00daB banke plat\u00ed, \u017ee je \u0161tedr\u00e1 predov\u0161etk\u00fdm k svojim dlhodob\u00fdm klientom a pon\u00faka im napr\u00edklad <strong>mo\u017enos\u0165 \u010derpania predschv\u00e1len\u00e9ho spotrebn\u00e9ho \u00faveru a\u017e do v\u00fd\u0161ky 10 000 EUR<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Zkazncky_servis\">Z\u00e1kazn\u00edcky servis<\/h3>\n\n\n\n<p>O kvalit\u00e1ch a \u00farovni z\u00e1kazn\u00edckeho servisu V\u00daB banky sved\u010d\u00ed predov\u0161etk\u00fdm ocenenie\u00a0<em>Slovensk\u00e1 Banka<\/em><em> roka 2017.\u00a0<\/em>Hoci sa jej tento titul nepodarilo v roku 2018 obh\u00e1ji\u0165, ni\u010d to nemen\u00ed na skuto\u010dnosti, \u017ee si dlhodobo udr\u017eiava ve\u013emi dobr\u00fd z\u00e1kazn\u00edcky \u0161tandard. V\u0161etky d\u00f4le\u017eit\u00e9 inform\u00e1cie s\u00fa na webovej str\u00e1nke banky riadne dostupn\u00e9 a <strong>prostredn\u00edctvom bezplatnej kontaktnej linky dok\u00e1\u017eete vyrie\u0161i\u0165 ka\u017ed\u00fd probl\u00e9m<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"VB_Banka__sksenosti\">V\u00daB Banka \u2013 sk\u00fasenosti<\/h2>\n\n\n\n<p>M\u00e1te osobn\u00e9 sk\u00fasenosti s V\u00daB bankou, ktor\u00e9 sa nemusia t\u00fdka\u0165 iba \u010derpania p\u00f4\u017ei\u010dky? Vyu\u017eite priestor a mo\u017enos\u0165 na zanechanie referencie v koment\u00e1roch. <strong>Hodnoti\u0165 m\u00f4\u017eete slovne a zanechan\u00edm hodnotenia na \u0161k\u00e1le 1 a\u017e 5 hviezdi\u010diek<\/strong> (5 je najlep\u0161ie hodnotenie) v \u0161tyroch pre koncov\u00e9ho z\u00e1kazn\u00edka k\u013e\u00fa\u010dov\u00fdch oblastiach.<\/p>\n\n\n<div class=\"fn_block block_fn_button buttons is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.com\/sk\/spolocnost\/vub\/redirect\/\" class=\"button is-rounded is-primary is-medium\" target=\"_blank\" rel=\"sponsored nofollow\">Chcem p\u00f4\u017ei\u010dku od V\u00daB<\/a><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"u010casto_kladenu00e9_otu00e1zky\">\u010casto kladen\u00e9 ot\u00e1zky<\/h3><h4>\u010co potrebujem k \u017eiadosti o Flexip\u00f4\u017ei\u010dku s odmenou?<\/h4><div class=\"faq_inner\">V\u00daB banka deklaruje, \u017ee v\u00e1m bude \u00faplne sta\u010di\u0165 jeden doklad toto\u017enosti. Ak v\u0161ak chcete po\u017eiada\u0165 o refinancovanie, je nutn\u00e9 prinies\u0165 si so sebou aj doteraj\u0161ie zmluvy k finan\u010dn\u00fdm z\u00e1v\u00e4zkom, ktor\u00e9 pl\u00e1nujete refinancova\u0165.<\/div><h4>Ako z\u00edskam odmenu k p\u00f4\u017ei\u010dke?<\/h4><div class=\"faq_inner\">Odmenu k p\u00f4\u017ei\u010dke v podobe 2% z\u013eavy z va\u0161ej \u00farokovej sadzby z\u00edskate hne\u010f po za\u010diatku \u010derpania va\u0161ej p\u00f4\u017ei\u010dky. Je potrebn\u00e9 dodr\u017ea\u0165 nieko\u013eko krokov na to, aby ste mohli ma\u0165 zn\u00ed\u017een\u00fa \u00farokov\u00fa sadzbu po\u010das celej doby spl\u00e1cania. Z\u00e1rove\u0148 plat\u00ed, \u017ee n\u00e1rok na odmenu k p\u00f4\u017ei\u010dke zanik\u00e1, ak sa so spl\u00e1can\u00edm dostanete do ome\u0161kania minim\u00e1lne v dvoch po sebe id\u00facich mesiacoch.<\/div><h4>\u010co mus\u00edm robi\u0165, aby mi bol vr\u00e1ten\u00fd poplatok za poskytnutie \u00faveru?<\/h4><div class=\"faq_inner\">N\u00e1rok na vr\u00e1tenie poplatku za poskytnutie \u00faveru v\u00e1m vznik\u00e1 po 18 mesiacoch riadneho spl\u00e1cania vtedy, ak na \u00fa\u010det ur\u010den\u00fd na spl\u00e1canie p\u00f4\u017ei\u010dky posielate mesa\u010dne minim\u00e1lne dvojn\u00e1sobok mesa\u010dnej spl\u00e1tky.<\/div><\/div>\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Napu00edu0161te_svoju_recenziu\">Nap\u00ed\u0161te svoju recenziu<\/h3><p style=\"text-align: center\">M\u00e1te sk\u00fasenosti s V\u00daB bankou? Povedzte n\u00e1m o nich v koment\u00e1roch a u\u013eah\u010dite tak rozhodovanie in\u00fdm.<\/p><\/div>","protected":false},"author":87,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","company_type":[1097,6],"overall_rating":"3.26136364","_links":{"self":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_single\/1399"}],"collection":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_single"}],"about":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/types\/company_single"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/users\/87"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/comments?post=1399"}],"version-history":[{"count":49,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_single\/1399\/revisions"}],"predecessor-version":[{"id":45671,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_single\/1399\/revisions\/45671"}],"wp:attachment":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/media?parent=1399"}],"wp:term":[{"taxonomy":"company_type","embeddable":true,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_type?post=1399"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}