{"id":2588,"date":"2019-01-28T19:35:59","date_gmt":"2019-01-28T19:35:59","guid":{"rendered":"https:\/\/financer.com\/sk\/?post_type=company_single&#038;p=2588"},"modified":"2024-02-20T22:22:57","modified_gmt":"2024-02-20T21:22:57","slug":"raiffeisen","status":"publish","type":"company_single","link":"https:\/\/financer.com\/sk\/spolocnost\/raiffeisen\/","title":{"rendered":"Raiffeisen"},"content":{"rendered":"\n<p>Slovensk\u00e1 vetva spolo\u010dnosti Raiffeisen p\u00f4sob\u00ed na slovenskom trhu pod hlavi\u010dkou Tatra banky. Patr\u00ed do silnej rak\u00faskej bankovej skupiny <strong>Raiffeisen Bank International Group<\/strong> s viac ako 130-ro\u010dnou trad\u00edciou v poskytovan\u00ed rozli\u010dn\u00fdch bankov\u00fdch slu\u017eieb. Jej matersk\u00e1 spolo\u010dnos\u0165 Raiffeisen Bank International AG p\u00f4sobiaca v Rak\u00fasku je ved\u00facou korpor\u00e1tnou a investi\u010dnou bankou.<\/p>\n\n\n\n<p>Opiera sa tak o siln\u00e9 z\u00e1zemie a ide o <strong>seri\u00f3zneho poskytovate\u013ea bankov\u00fdch slu\u017eieb s\u00a0 riadne udelenou a platnou licenciou od NBS<\/strong>. T\u00e1to klasick\u00e1 banka pon\u00faka na Slovensku tradi\u010dn\u00e9 portf\u00f3lio po\u010dn\u00fac spotrebn\u00fdmi \u00favermi, sporiacimi \u00fa\u010dtami a viazan\u00fdmi vkladmi s fixn\u00fdm percentu\u00e1lnym zhodnoten\u00edm<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3>V\u00fdhody<\/h3><li><p>Z\u00e1zemie silnej zahrani\u010dnej banky<\/p>\n<\/li><li><p>P\u00f4\u017ei\u010dka bez ak\u00fdchko\u013evek poplatkov za poskytnutie<\/p>\n<\/li><li><p>Mo\u017enos\u0165 po\u017ei\u010dka\u0165 si \u0161irok\u00e9 rozp\u00e4tie s\u00fam<\/p>\n<\/li><li><p>Cel\u00fa p\u00f4\u017ei\u010dku vyrie\u0161ite online do 15 min\u00fat<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3>Nev\u00fdhody<\/h3><li><p>Nutnos\u0165 potvrdenia o v\u00fd\u0161ke pr\u00edjmu<\/p>\n<\/li><li><p>Obmedzenie pre podnikate\u013eov v celkovej v\u00fd\u0161ke p\u00f4\u017ei\u010dky<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Internet_banking\">Internet banking<\/h2>\n\n\n\n<p>Raiffeisen banka ako v\u00e4\u010d\u0161ina b\u00e1nk pon\u00faka internet banking ka\u017ed\u00e9mu klientovi s\u00a0otvoren\u00fdm \u00fa\u010dtom, viazan\u00fdm vkladom \u010di p\u00f4\u017ei\u010dkou. Na prihl\u00e1senie v\u00e1m sta\u010d\u00ed \u010d\u00edslo klienta, ktor\u00e9 n\u00e1jdete uveden\u00e9 v\u00a0zmluve a\u00a0heslo. <\/p>\n\n\n\n<p>Na prv\u00e9 prihl\u00e1senie pou\u017eijete heslo, ktor\u00e9 dostanete v\u00a0SMS po podp\u00edsan\u00ed zmluvy, pre \u010fal\u0161ie prihl\u00e1senia si heslo m\u00f4\u017eete samozrejme zmeni\u0165.<\/p>\n\n\n\n<p>Prihlasovanie do internet bankingu cez mobiln\u00fa aplik\u00e1ciu prebieha rovnako ako v\u00a0desktopovej verzii.<\/p>\n\n\n\n<p>Pri Raiffeisen banke si m\u00f4\u017eete v\u00a0internet bankingu nastavi\u0165 tzv. R\u00fdchle prihl\u00e1senie, kedy si zvol\u00edte vlastn\u00fd prihlasovac\u00ed k\u00f3d. Zauj\u00edmavos\u0165ou je, \u017ee tento k\u00f3d si m\u00f4\u017eete nastavi\u0165 pre ka\u017ed\u00e9 zariadenie a\u00a0ka\u017ed\u00fd prehliada\u010d individu\u00e1lne.<\/p>\n\n\n\n<p>Pre vy\u0161\u0161iu mieru bezpe\u010dnosti je potrebn\u00e9 pri transakci\u00e1ch nad 500 eur dan\u00fa oper\u00e1ciu potvrdi\u0165 SMS k\u00f3dom. Pokia\u013e v\u0161ak vyu\u017e\u00edvate u\u017e spom\u00ednan\u00e9 R\u00fdchle prihl\u00e1senie, autoriz\u00e1cia SMS k\u00f3dom sa nevy\u017eaduje.<\/p>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"asto_kladen_otzky\">\u010casto kladen\u00e9 ot\u00e1zky<\/h3><h4>Ako dlho trv\u00e1 schv\u00e1lenie p\u00f4\u017ei\u010dky?<\/h4><div class=\"faq_inner\"><p>Raiffeisen banka dok\u00e1\u017ee po va\u0161om odoslan\u00ed formul\u00e1ru vyhodnoti\u0165 \u017eiados\u0165 u\u017e do 10 min\u00fat. Ide tak o skuto\u010dne r\u00fdchly sp\u00f4sob, ako sa dosta\u0165 k peniazom v pr\u00edpade, \u017ee sp\u013a\u0148ate v\u0161etky nevyhnutn\u00e9 podmienky.<\/p><\/div><h4>M\u00f4\u017eem si aj pri minip\u00f4\u017ei\u010dke zvoli\u0165 v\u00fd\u0161ku spl\u00e1tky?<\/h4><div class=\"faq_inner\"><p><\/p>\n<p>Nie. Spl\u00e1tky minip\u00f4\u017ei\u010diek od Raiffeisen od 200 do 600 EUR, ktor\u00fdch v\u00fd\u0161ky spl\u00e1tok uv\u00e1dzame ni\u017e\u0161ie s\u00fa fixne dan\u00e9 a neviete s nimi ak\u00fdmko\u013evek sp\u00f4sobom h\u00fdba\u0165.<\/p>\n<p><\/p><\/div><h4>Ak\u00fdm sp\u00f4sobom m\u00f4\u017eem spl\u00e1ca\u0165 p\u00f4\u017ei\u010dku?<\/h4><div class=\"faq_inner\"><p><\/p>\n<p>Spl\u00e1ca\u0165 m\u00f4\u017eete klasicky z \u00fa\u010dtu Raiffeisen banky, v hotovosti alebo aj z bankov\u00e9ho \u00fa\u010dtu veden\u00e9ho v inej banke. Spolo\u010dnos\u0165 z\u00e1rove\u0148 d\u00e1va klientovi mo\u017enos\u0165 individu\u00e1lneho v\u00fdberu d\u0148a spl\u00e1tky.<\/p>\n<p><\/p><\/div><h4>Je pri p\u00f4\u017ei\u010dke potrebn\u00fd ru\u010dite\u013e?<\/h4><div class=\"faq_inner\"><p><\/p>\n<p>Nie, pri p\u00f4\u017ei\u010dke od Raiffeisen banky nepotrebujete \u017eiadneho ru\u010dite\u013ea ani zakladanie majetku.<\/p>\n<p><\/p><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Sksenosti\">Sk\u00fasenosti<\/h2>\n\n\n\n<p>Pozreli sme sa na spolo\u010dnos\u0165 Raiffeisen Bank a jej portf\u00f3lio bli\u017e\u0161ie.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Pika\">P\u00f4\u017ei\u010dka<\/h3>\n\n\n\n<p>Raiffeisen pon\u00faka \u0161irok\u00fa \u0161k\u00e1lu mo\u017enost\u00ed. <strong>\u010cerpa\u0165 p\u00f4\u017ei\u010dku m\u00f4\u017eete u\u017e od 200 EUR<\/strong>. Okrem tejto sumy m\u00f4\u017eete ako mal\u00fa r\u00fdchlu p\u00f4\u017ei\u010dku \u010derpa\u0165 aj sumy 400 EUR a 600 EUR s vopred stanovenou dobou splatnosti a v\u00fd\u0161kou mesa\u010dnej spl\u00e1tky. Ich preh\u013ead v\u00e1m pon\u00fakame v tejto tabu\u013eke.<\/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>V\u00fd\u0161ka mesa\u010dnej spl\u00e1tky<\/th><th>Obdobie spl\u00e1cania (mesiace)<\/th><th>Spolu zaplat\u00edte<\/th><\/tr><tr><td>200 \u20ac<\/td><td>31,08 \u20ac<\/td><td>7<\/td><td>217,56 \u20ac<\/td><\/tr><tr><td>400 \u20ac<\/td><td>36,82 \u20ac<\/td><td>12<\/td><td>441,84 \u20ac<\/td><\/tr><tr><td>600 \u20ac<\/td><td>38,51 \u20ac<\/td><td>18<\/td><td>693,18 \u20ac<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>P\u00f4\u017ei\u010dka od 700 EUR a\u017e do 25 000 EUR<\/strong> je v spolo\u010dnosti Raiffeisen klasifikovan\u00e1 ako <a href=\"https:\/\/financer.com\/sk\/pozicky\/spotrebny-uver\/\">spotrebn\u00fd \u00faver<\/a>. Ro\u010dn\u00e9 \u00farokov\u00e9 sadzby maj\u00fa tie\u017e pomerne \u0161irok\u00e9, <strong>od 8,90% a\u017e po 26% ro\u010dne<\/strong>, \u010do tento \u00faver zara\u010fuje sk\u00f4r do hor\u0161ej druhej polovice slovensk\u00e9ho trhu a rozhodnete dok\u00e1\u017eete n\u00e1js\u0165 aj v\u00fdhodnej\u0161ie ponuky.<\/p>\n\n\n\n<p>V\u00fdhodou zost\u00e1va, \u017ee z\u00edskan\u00e9 peniaze m\u00f4\u017eete pou\u017ei\u0165 na \u010doko\u013evek a to aj bez ru\u010dite\u013ea alebo zakladania majetku. Navy\u0161e sama banka prehlasuje, \u017ee <strong>cel\u00fd proces od podania \u017eiadosti po jej definit\u00edvne schv\u00e1lenie v\u00e1m nezaberie viac ako 15 min\u00fat<\/strong>. <\/p>\n\n\n\n<p>Ak aj nem\u00e1te \u00fa\u010det veden\u00fd v Raiffeisen, peniaze by ste mohli ma\u0165 v pr\u00edpade \u00faspe\u0161n\u00e9ho schv\u00e1lenia \u017eiadosti na \u00fa\u010dte u\u017e v priebehu nasleduj\u00facich dvoch dn\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Flexibilita\">Flexibilita<\/h3>\n\n\n\n<p>Pokia\u013e ide o flexibilitu, dl\u017en\u00edk si mus\u00ed by\u0165 vedom\u00fd toho, \u017ee m\u00e1 v\u017edy <strong>mo\u017enos\u0165 bezplatne splati\u0165 svoj \u00faver v plnej v\u00fd\u0161ke<\/strong>. Zatia\u013e \u010do mnoh\u00e9 banky inzeruj\u00fa bezplatn\u00fa \u0161peci\u00e1lnu spl\u00e1tku, st\u00e1va sa, \u017ee len \u010das\u0165 zostatku dlhu m\u00f4\u017ee by\u0165 vyplaten\u00e1 pred\u010dasne bezplatne. <\/p>\n\n\n\n<p>Pri Raiffeisen to neplat\u00ed a va\u0161u p\u00f4\u017ei\u010dku skuto\u010dne m\u00f4\u017eete splati\u0165 pred\u010dasne v plnej v\u00fd\u0161ke bez ak\u00fdchko\u013evek poplatkov. V prospech tejto spolo\u010dnosti hovoria aj nulov\u00e9 poplatky za samotn\u00e9 poskytnutie \u00faveru.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Cieov_skupina\">Cie\u013eov\u00e1 skupina<\/h3>\n\n\n\n<p>Raiffeisen sa svojimi po\u017eiadavkami zameriava predov\u0161etk\u00fdm na pracuj\u00facu skupinu \u013eud\u00ed v produkt\u00edvnom veku, ke\u010f\u017ee prakticky jedinou podmienkou pre z\u00edskanie p\u00f4\u017ei\u010dky je\u00a0<strong>st\u00e1ly a preuk\u00e1zate\u013en\u00fd pr\u00edjem<\/strong> posta\u010duj\u00faci na jej splatenie.<\/p>\n\n\n\n<p>Spolo\u010dnos\u0165 je ale schopn\u00e1 bra\u0165 do \u00favahy aj in\u00e9 druhy pr\u00edjmov ako napr\u00edklad d\u00f4chodok, rodi\u010dovsk\u00fd pr\u00edspevok alebo pr\u00edjem z podnikania.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Vaa_recenzia\">Va\u0161a recenzia<\/h3><p style=\"text-align: center\">M\u00e1te sk\u00fasenosti so spolo\u010dnos\u0165ou Raiffeisen? Pode\u013ete sa o ne a u\u013eah\u010dite tak rozhodovanie \u010fal\u0161\u00edm \u010ditate\u013eom.<\/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":"0.00000000","_links":{"self":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_single\/2588"}],"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=2588"}],"version-history":[{"count":47,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_single\/2588\/revisions"}],"predecessor-version":[{"id":45618,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_single\/2588\/revisions\/45618"}],"wp:attachment":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/media?parent=2588"}],"wp:term":[{"taxonomy":"company_type","embeddable":true,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_type?post=2588"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}