{"id":2103,"date":"2018-11-03T12:17:54","date_gmt":"2018-11-03T11:17:54","guid":{"rendered":"https:\/\/financer.com\/sk\/?post_type=company_single&#038;p=2103"},"modified":"2024-01-23T15:17:40","modified_gmt":"2024-01-23T14:17:40","slug":"finzo","status":"publish","type":"company_single","link":"https:\/\/financer.com\/sk\/spolocnost\/finzo\/","title":{"rendered":"Finzo"},"content":{"rendered":"<ul>\n<li>Mo\u017enos\u0165 po\u017ei\u010da\u0165 si od 50 a\u017e do 2000 EUR<\/li>\n<li>Ro\u010dn\u00e1 \u00farokov\u00e1 sadzba od 11%<\/li>\n<li>Kr\u00e1tkodob\u00e9 p\u00f4\u017ei\u010dky s maxim\u00e1lnou dobou splatnosti 3 mesiace<\/li>\n<li>Dlhodob\u00e9 p\u00f4\u017ei\u010dky s maxim\u00e1lnou dobou splatnosti 2 roky<\/li>\n<li>Cel\u00fd proces zvl\u00e1dnete online<\/li>\n<\/ul>\n<div class=\"msg info\">\n<p><strong>Reprezentat\u00edvny pr\u00edklad:<\/strong><\/p>\n<p>P\u00f4\u017ei\u010dka 1000 \u20ac s \u00farokovou sadzbou 25% ro\u010dne, dobou splatnosti 24 mesiacov predstavuje ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov 30,79% pri mesa\u010dnej spl\u00e1tke \u00faveru vo v\u00fd\u0161ke 53,37 \u20ac. Celkov\u00e1 suma, ktor\u00fa klient uhrad\u00ed je 1300,92 \u20ac.<\/p>\n<\/div>\n<p style=\"text-align: center;\"><a class=\"button is-normal is-primary is-rounded small\" href=\"https:\/\/financer.com\/sk\/spolocnost\/finzo\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\">Chcem p\u00f4\u017ei\u010dku od Finzo<\/a><\/p>\n<div class=\"boxed msg\">\n<h4>\u010co potrebujete splni\u0165?<\/h4>\n<ul>\n<li>Trval\u00fd pobyt na \u00fazem\u00ed SR<\/li>\n<li>V de\u0148 podania \u017eiadosti vek minim\u00e1lne 18 rokov<\/li>\n<li>Trval\u00fd a dokladovate\u013en\u00fd pr\u00edjem<\/li>\n<\/ul>\n<\/div>\n<h2 id=\"O_spolonosti_Finzo\">O spolo\u010dnosti Finzo<\/h2>\n<p>Finzo OU je \u00faspe\u0161n\u00e1 a\u00a0st\u00e1le <strong>mlad\u00e1 finan\u010dn\u00e1 spolo\u010dnos\u0165 z\u00a0Est\u00f3nka<\/strong>, ktorej vznik sa datuje do roku 2011. Postupne v\u0161ak jej popularita narastala a\u00a0rozhodla sa expandova\u0165 aj na trhy Strednej Eur\u00f3py, pri\u010dom nevynechala ani Slovensko.<\/p>\n<p>V\u00a0s\u00fa\u010dasnosti p\u00f4sob\u00ed v\u00a033 \u0161t\u00e1toch sveta a\u00a0podarilo sa jej sprostredkova\u0165 \u00favery medzi \u017eiadate\u013emi a\u00a0investormi v\u00a0celkovej v\u00fd\u0161ke viac ako 12 mili\u00f3nov eur. <strong>V\u00a0syst\u00e9me spolo\u010dnosti Finzo je zaregistrovan\u00fdch u\u017e viac ako 40\u00a0000 u\u017e\u00edvate\u013eov<\/strong>.<\/p>\n<p>Dlhodob\u00fdm cie\u013eom firmy je sta\u0165 sa stabiln\u00fdm, d\u00f4veryhodn\u00fdm a vyh\u013ead\u00e1van\u00fdm poskytovate\u013eom kolekt\u00edvnych, respekt\u00edve P2P p\u00f4\u017ei\u010diek nie len na Slovensku, ale aj v\u00a0ostatn\u00fdch krajin\u00e1ch svojho p\u00f4sobenia.<\/p>\n<h2 id=\"Vhody_a_nevhody\">V\u00fdhody a nev\u00fdhody<\/h2>\n<ul class=\"like\">\n<li>Kolekt\u00edvne p\u00f4\u017ei\u010diavanie bez banky<\/li>\n<li>Vybavenie kompletne online<\/li>\n<li>P\u00f4\u017ei\u010dka do v\u00fd\u0161ky 2 000 EUR<\/li>\n<li>4 \u00farovne \u00faverov\u00e9ho hodnotenia<\/li>\n<li>R\u00fdchle vyhodnotenie \u017eiadosti<\/li>\n<li>Nastavenie vlastn\u00fdch podmienok<\/li>\n<li>Finzo zabezpe\u010d\u00ed cel\u00fa s\u00favisiacu administrat\u00edvu<\/li>\n<\/ul>\n<ul class=\"dislike\">\n<li>Vy\u0161\u0161ie zmluvn\u00e9 poplatky a\u00a0\u00farokov\u00e9 sadzby<\/li>\n<li>Kr\u00e1tka doba splatnosti (maxim\u00e1lne 2 roky)<\/li>\n<\/ul>\n<h2 id=\"asto_kladen_otzky\">\u010casto kladen\u00e9 ot\u00e1zky<\/h2>\n<h4>Ak\u00e9 vysok\u00e9 s\u00fa dodato\u010dn\u00e9 poplatky?<\/h4>\n<p>Podobne ako pri in\u00fdch podobn\u00fdch sprostredkovate\u013esk\u00fdch spolo\u010dnostiach, aj Finzo si \u00fa\u010dtuje poplatky <strong>a\u017e po skompletizovan\u00ed a\u00a0schv\u00e1len\u00ed va\u0161ej kolekt\u00edvnej p\u00f4\u017ei\u010dky. <\/strong>Nemus\u00edte sa teda ob\u00e1va\u0165 \u017eiadnych vymyslen\u00fdch poplatkov vopred. Po schv\u00e1len\u00ed p\u00f4\u017ei\u010dky v\u00e1m Finzo po\u0161le na \u00fa\u010det sumu, o\u00a0ktor\u00fa ste po\u017eiadali u\u017e okresan\u00fa o\u00a0potrebn\u00e9 poplatky. V\u00a0s\u00fa\u010dasnosti s\u00fa to tieto:<\/p>\n<table>\n<tbody>\n<tr>\n<td><strong>Prov\u00edzia<\/strong><\/td>\n<td>30 % z celkov\u00e9ho \u00faroku za \u00faver<\/td>\n<\/tr>\n<tr>\n<td><strong>Pred\u010dasn\u00e9 splatenie p\u00f4\u017ei\u010dky<\/strong><\/td>\n<td>10 \u20ac + \u00faroky za 1 mesiac<\/td>\n<\/tr>\n<tr>\n<td><b>Prevody z virtu\u00e1lneho \u00fa\u010dtu<\/b><\/td>\n<td>0,50 \u20ac<\/td>\n<\/tr>\n<tr>\n<td><strong>Ome\u0161kan\u00e1 spl\u00e1tka<\/strong><\/td>\n<td>do 30 \u20ac<\/td>\n<\/tr>\n<tr>\n<td><b>Platby do z\u00e1ru\u010dn\u00e9ho fondu<\/b><\/td>\n<td>5 % zo sumy \u00faveru<\/td>\n<\/tr>\n<tr>\n<td><b>Poplatok za zmluvu (kr\u00e1tkodob\u00fd \u00faver)<\/b><\/td>\n<td>0 \u20ac<\/td>\n<\/tr>\n<tr>\n<td><b>Poplatok za zmluvu (dlhodob\u00fd \u00faver)<\/b><\/td>\n<td>2 % zo sumy \u00faveru, min. 5 \u20ac<\/td>\n<\/tr>\n<tr>\n<td><b>Poplatok za spr\u00e1vu \u00faverov\u00e9ho registra<\/b><\/td>\n<td>20 \u20ac<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div class=\"warning msg\">\n<p><strong>D\u00d4LE\u017dIT\u00c9:<\/strong><br \/>\nAk dostanete va\u0161u prv\u00fa ponuku, ktor\u00e1 sa v\u00e1m bude zda\u0165 nev\u00fdhodn\u00e1, jednoducho iba podajte \u017eiados\u0165 o pozdr\u017eanie. T\u00fdm p\u00e1dom bud\u00fa m\u00f4c\u0165 investori, ktor\u00ed sa v\u00e1m na p\u00f4\u017ei\u010dku \u201eskladaj\u00fa\u201c zmeni\u0165 podmienky.\u00a0<strong>Neodpor\u00fa\u010dame prija\u0165 hne\u010f prv\u00fa ponuku.<\/strong><\/p>\n<\/div>\n<h4>Ako vybav\u00edm Finzo p\u00f4\u017ei\u010dku?<\/h4>\n<p><strong>Registr\u00e1cia na webe<\/strong><\/p>\n<p>Prv\u00fd krok je jasn\u00fd. Mus\u00edte\u00a0sa zaregistrova\u0165 na port\u00e1li Finzo.sk. Pri registr\u00e1cii sta\u010d\u00ed vyplni\u0165 jednoduch\u00fd online formul\u00e1r, kde uvediete z\u00e1kladn\u00e9 osobn\u00e9 a\u00a0kontaktn\u00e9 \u00fadaje. Finzo si over\u00ed v\u00e1\u0161 e-mail, kedy v\u00e1m doru\u010d\u00ed potvrdzovac\u00ed link a\u00a0takisto telef\u00f3nne \u010d\u00edslo formou SMS. Pripravte sa aj na overenie bankov\u00e9ho \u00fa\u010dtu, kedy si m\u00f4\u017eu pracovn\u00edci spolo\u010dnosti Finzo vy\u017eiada\u0165 dopl\u0148uj\u00face doklady. Aktiv\u00e1cia je na konci a\u017e po s\u00fahlase s\u00a0podmienkami pou\u017e\u00edvania.<\/p>\n<p><strong> Podanie \u017eiadosti o\u00a0\u00faver<\/strong><\/p>\n<p>Najd\u00f4le\u017eitej\u0161\u00ed krok, podanie \u017eiadosti o\u00a0\u00faver je vyrie\u0161en\u00e9 ve\u013emi jednoducho a\u00a0intuit\u00edvne. Vo va\u0161om pr\u00edpade si sta\u010d\u00ed zvoli\u0165 po\u017eadovan\u00fa v\u00fd\u0161ku a\u00a0dopl\u0148uj\u00face podmienky. Intern\u00fd syst\u00e9m Finzo za v\u00e1s vyh\u013ead\u00e1 najschodnej\u0161ie mo\u017enosti. Ak budete s\u00a0vybranou ponukou s\u00fahlasi\u0165, nasleduje elektronick\u00fd podpis zmluvy, ni\u010d nemus\u00edte posiela\u0165 po\u0161tou.<\/p>\n<p>Ak s\u00a0n\u00e1vrhom p\u00f4\u017ei\u010dky a\u00a0jej podmienok s\u00fahlasi\u0165 nebudete, m\u00f4\u017eete vytvori\u0165 vlastn\u00fa ponuku a\u00a07 dn\u00ed po\u010dka\u0165, k\u00fdm sa ohl\u00e1sia investori sami. Ak sa n\u00e1jdu investori, ktor\u00ed s\u00fa ochotn\u00ed vysklada\u0165 sa v\u00e1m na p\u00f4\u017ei\u010dku a\u00a0vami zadan\u00e9 krit\u00e9ri\u00e1, zmluva sa automaticky uzavrie a\u00a0vy dostanete peniaze na v\u00e1\u0161 virtu\u00e1lny Finzo \u00fa\u010det.<\/p>\n<p><strong> Prevod finan\u010dn\u00fdch prostriedkov<\/strong><\/p>\n<p>Peniaze nedostanete priamo na vami zadan\u00fd bankov\u00fd \u00fa\u010det. Ak v\u00e1m bud\u00fa schv\u00e1len\u00e9 a\u00a0prip\u00edsan\u00e9 na Finzo \u00fa\u010det, mus\u00edte si ich vy sami presun\u00fa\u0165 prevodom na \u00fa\u010det v\u00a0banke, ktor\u00fd je veden\u00fd na va\u0161e meno.<\/p>\n<p><strong> Spl\u00e1canie<\/strong><\/p>\n<p>Po\u017ei\u010dan\u00e9 mus\u00edte aj vr\u00e1ti\u0165. Dohodnut\u00e9 mesa\u010dn\u00e9 spl\u00e1tky s\u00a0fixnou v\u00fd\u0161kou \u00faroku v\u00e1m bud\u00fa strh\u00e1van\u00e9 v\u017edy v\u00a0konkr\u00e9tny de\u0148 automaticky z\u00a0virtu\u00e1lneho \u00fa\u010dtu. Peniaze mus\u00edte ma\u0165 na \u00fa\u010dte Finzo v\u00a0dostato\u010dnom predstihu, aby ste predi\u0161li pr\u00edpadn\u00fdm nedorozumeniam. Cel\u00fd postup, ako to urobi\u0165, n\u00e1jdete priamo vo va\u0161om Finzo \u00fa\u010dte.<\/p>\n<h4>Ako funguje \u00faverov\u00e9 hodnotenie spolo\u010dnosti Finzo?<\/h4>\n<p>Sprostredkovate\u013e mus\u00ed pre svojich investorov zabezpe\u010di\u0165 dostato\u010dne hodnovern\u00e9 ohodnotenia \u017eiadate\u013ea o\u00a0p\u00f4\u017ei\u010dku. Vo svojej podstate ide o\u00a0odraz va\u0161ej doteraj\u0161ej platobnej discipl\u00edny a\u00a0bonity, teda schopnosti spl\u00e1ca\u0165 svoje z\u00e1v\u00e4zky.<\/p>\n<p>Tak ako pri klasick\u00fdch p\u00f4\u017ei\u010dk\u00e1ch z\u00a0b\u00e1nk alebo nebankov\u00fdch spolo\u010dnost\u00ed, pri tvorbe \u00faverov\u00e9ho hodnotenia zohr\u00e1vaj\u00fa d\u00f4le\u017eit\u00fa \u00falohu viacer\u00e9 faktory. Do \u00favahy pripadaj\u00fa faktory ako va\u0161e zamestnanie, rodinn\u00fd stav, priemern\u00fd mesa\u010dn\u00fd pr\u00edjem, vlastn\u00edctvo nehnute\u013enosti a\u00a0in\u00e9 finan\u010dn\u00e9 z\u00e1v\u00e4zky.<\/p>\n<p>\u010c\u00edm vy\u0161\u0161ie hodnotenie m\u00e1te, t\u00fdm v\u00fdhodnej\u0161ie podmienky m\u00f4\u017eete dosta\u0165. Finzo del\u00ed \u00faverov\u00e9 hodnotenia do 4 z\u00e1kladn\u00fdch \u00farovn\u00ed.<\/p>\n<ol>\n<li>Hodnotenie 601 \u2013 700 je minimum, ak m\u00e1te\u00a0menej ako 601, tak \u00faver nez\u00edskate.<\/li>\n<li>Nov\u00fd \u017eiadate\u013e z\u00edskava\u00a0naj\u010dastej\u0161ie hodnotenie 701 \u2013 800.<\/li>\n<li>Hodnotenie 801 \u2013 900 z\u00edskate\u00a0pri poskytnut\u00ed dopl\u0148uj\u00facich inform\u00e1cii.<\/li>\n<li>Najlep\u0161ie mo\u017en\u00e9 je 901 \u2013 1\u00a0000,\u00a0pri\u010dom rozhoduje plat a\u00a0zamestnanie.<\/li>\n<\/ol>\n<h2 id=\"Finzo__referencie\">Finzo \u2013 referencie<\/h2>\n<p>Pozreli sme sa na spolo\u010dnos\u0165 Finzo bli\u017e\u0161ie.<\/p>\n<h3 id=\"Pika\">P\u00f4\u017ei\u010dka<\/h3>\n<p>Nako\u013eko ide o p\u00f4\u017ei\u010dku od \u013eud\u00ed pre \u013eud\u00ed, o\u010dak\u00e1vali sme vy\u0161\u0161iu ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov, ktor\u00e1 sa pohybuje v pomerne \u0161irokom r\u00e1mci od 11% a\u017e po 50%. Z h\u013eadiska maxim\u00e1lnej mo\u017enej po\u017ei\u010danej sumy zara\u010fujeme Finzo p\u00f4\u017ei\u010dku sk\u00f4r k r\u00fdchlym p\u00f4\u017ei\u010dk\u00e1m, kde si nepo\u017ei\u010diate <strong>viac ako 2000 \u20ac s maxim\u00e1lnou dobou splatnosti 2 roky<\/strong>.<\/p>\n<p>Z h\u013eadiska \u00farokov\u00fdch sadzieb a celkovej v\u00fd\u0161ky poplatkov dok\u00e1\u017eete n\u00e1js\u0165 na slovenskom trhu aj v\u00fdrazne v\u00fdhodnej\u0161ie alternat\u00edvy. Vyu\u017eite <a href=\"https:\/\/financer.com\/sk\/pozicky\/\">na\u0161e porovnanie<\/a> a vyberte si p\u00f4\u017ei\u010dku na mieru pre v\u00e1s.<\/p>\n<h3 id=\"Cieov_skupina\">Cie\u013eov\u00e1 skupina<\/h3>\n<p>Podobne ako pri ostatn\u00fdch P2P platform\u00e1ch je cie\u013eov\u00e1 skupina spolo\u010dnosti Finzo relat\u00edvne \u0161irok\u00e1. Na to, aby ste mohli po\u017eiada\u0165 o p\u00f4\u017ei\u010dku potrebujete ma\u0165 viac ako 18 rokov, trval\u00fd pobyt na \u00fazem\u00ed SR a st\u00e1ly pr\u00edjem, na z\u00e1klade ktor\u00e9ho budete ohodnoten\u00ed a zaraden\u00ed do jedn\u00e9ho zo \u0161tyroch \u00faverov\u00fdch hodnoten\u00ed.<\/p>\n<p>V pr\u00edpade spolo\u010dnosti Finzo <strong>v porovnan\u00ed s ostatn\u00fdmi konkuren\u010dn\u00fdmi poskytovate\u013emi je vy\u017eadovanie pr\u00edjmu nev\u00fdhodou<\/strong>, preto\u017ee ostatn\u00e9 nebankov\u00e9 spolo\u010dnosti s\u00fa schopn\u00e9 po\u017ei\u010da\u0165 v\u00e1m aj viac ako 2000 EUR a to aj bez dokladovania pr\u00edjmov.<\/p>\n<h3 id=\"Zkazncky_servis\">Z\u00e1kazn\u00edcky servis<\/h3>\n<p>Kon\u0161tatujeme, \u017ee ak z\u00e1kazn\u00edk prv\u00fdkr\u00e1t nav\u0161t\u00edvi web spolo\u010dnosti Finzo, m\u00f4\u017ee sa c\u00edti\u0165 jemne dezorientovan\u00fd. <strong>Dop\u00e1tra\u0165 sa ku kontaktn\u00fdm inform\u00e1ci\u00e1m je pomerne zlo\u017eit\u00e9<\/strong> a mali by ich umiestni\u0165 na vidite\u013enej\u0161ie miesto. Na druhej strane, na n\u00e1\u0161 sk\u00fa\u0161obn\u00fd e-mail, ktor\u00fdm sme chceli preveri\u0165 ich pohotovos\u0165 a schopnos\u0165 odpoveda\u0165, odpovedali v priebehu nieko\u013ek\u00fdch hod\u00edn.<\/p>\n<h3 id=\"Finzo__sksenosti\">Finzo \u2013 sk\u00fasenosti<\/h3>\n<p>Najlep\u0161ie spozn\u00e1te spolo\u010dnos\u0165 pod\u013ea toho, \u010do o \u0148om hovoria jej re\u00e1lni klienti. Pre tento pr\u00edpad poskytujeme na\u0161im n\u00e1v\u0161tevn\u00edkom mo\u017enos\u0165\u00a0<strong>zanecha\u0165 k danej spolo\u010dnosti koment\u00e1r<\/strong>\u00a0a ohodnoti\u0165 konkr\u00e9tneho poskytovate\u013ea v\u00a0<strong>\u0161tyroch k\u013e\u00fa\u010dov\u00fdch oblastiach<\/strong>.<\/p>\n<p>Presved\u010dte sa sami, ak\u00e9 s\u00fa doteraj\u0161ie sk\u00fasenosti so spolo\u010dnos\u0165ou Finzo, pr\u00edpadne sami pop\u00ed\u0161te svoju vlastn\u00fa sk\u00fasenos\u0165.<\/p>\n<p style=\"text-align: center;\"><a class=\"button is-normal is-primary is-rounded small\" href=\"https:\/\/financer.com\/sk\/spolocnost\/finzo\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\">Chcem p\u00f4\u017ei\u010dku od Finzo<\/a><\/p>\n<div class=\"msg info\" style=\"text-align: center;\">M\u00e1te sk\u00fasenosti so spolo\u010dnos\u0165ou Finzo? Povedzte n\u00e1m o nich v koment\u00e1roch a u\u013eah\u010dite tak rozhodovanie in\u00fdm.<\/div>\n","protected":false},"author":87,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","company_type":[1105],"overall_rating":"3.00000000","_links":{"self":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_single\/2103"}],"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=2103"}],"version-history":[{"count":46,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_single\/2103\/revisions"}],"predecessor-version":[{"id":45399,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_single\/2103\/revisions\/45399"}],"wp:attachment":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/media?parent=2103"}],"wp:term":[{"taxonomy":"company_type","embeddable":true,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_type?post=2103"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}