{"id":387,"date":"2018-07-28T08:46:07","date_gmt":"2018-07-28T08:46:07","guid":{"rendered":"https:\/\/financer.com\/sk\/?post_type=company_single&#038;p=387"},"modified":"2024-03-21T15:34:40","modified_gmt":"2024-03-21T14:34:40","slug":"cetelem","status":"publish","type":"company_single","link":"https:\/\/financer.com\/sk\/spolocnost\/cetelem\/","title":{"rendered":"Cetelem"},"content":{"rendered":"<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3>Ukon\u010denie aktiv\u00edt na Slovensku<\/h3><p>Od 1. 7. 2023, bolo pozastaven\u00e9 poskytovanie nov\u00fdch \u00faverov spolo\u010dnos\u0165ou Cetelem na Slovensku. Existuj\u00face \u00favery n\u00e1kupov na spl\u00e1tky spravuje Cetelem na\u010falej pod\u013ea platnej zmluvnej dokument\u00e1cie.<\/p><\/div>\n\n\n<p>Spolo\u010dnos\u0165 Cetelem na slovenskom trhu poskytuje finan\u010dn\u00e9 produkty ako s\u00fa <a href=\"https:\/\/financer.com\/sk\/pozicky\/spotrebny-uver\/\">spotrebn\u00e9 \u00favery<\/a>, <a href=\"https:\/\/financer.com\/sk\/kreditna-karta\/\">kreditn\u00e9 karty<\/a> a n\u00e1kupy na spl\u00e1tky. S Cetelem p\u00f4\u017ei\u010dkou si m\u00f4\u017eete po\u017ei\u010da\u0165 a\u017e 50 000 \u20ac s dobou splatnosti a\u017e 8 rokov. \u00darokov\u00e1 sadzba sa za\u010d\u00edna na 8,4 % ro\u010dne. <\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><tbody><tr><td><strong>Typ p\u00f4\u017ei\u010diek<\/strong><\/td><td>Spotrebn\u00e9 \u00favery<\/td><\/tr><tr><td><strong>\u00daverov\u00fd r\u00e1mec<\/strong><\/td><td>500 &#8211; 50 000 \u20ac<\/td><\/tr><tr><td><strong>Splatnos\u0165<\/strong><\/td><td>6 &#8211; 96 mesiacov<\/td><\/tr><tr><td><strong>\u00darok<\/strong><\/td><td>od 8,4 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Cetelem p\u00f4\u017ei\u010dky si navy\u0161e m\u00f4\u017eete aj poisti\u0165, <\/strong>\u010do v pr\u00edpade straty schopnosti spl\u00e1ca\u0165 ochr\u00e1ni v\u00e1s aj va\u0161ich bl\u00edzkych. M\u00f4\u017ee \u00eds\u0165 o stratu schopnosti spl\u00e1ca\u0165 z d\u00f4vodu smrti, hospitaliz\u00e1cie, pracovnej neschopnosti, invalidity alebo straty zamestnania.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div>\u010eal\u0161\u00edm \u00faverov\u00fdm produktom je<strong> Cetelem kreditn\u00e1 karta, <\/strong>ktor\u00e1 v\u00e1m poskytne \u00faverov\u00fd r\u00e1mec a\u017e do v\u00fd\u0161ky 5 000 \u20ac. Bez\u00faro\u010dn\u00e9 obdobie je a\u017e 55 dn\u00ed. N\u00e1sledne mus\u00edte po\u010d\u00edta\u0165 s \u00farokom 1,49% p.m., teda 17,88% p.a.<\/div>\n\n\n<p><strong>Chcete si od spolo\u010dnosti Cetelem po\u017ei\u010da\u0165?\u00a0<\/strong>Ur\u010dite v\u00e1m odpor\u00fa\u010dame pre\u010d\u00edta\u0165 si na\u0161u Cetelem recenziu. Nezabudnite si tie\u017e pre\u010d\u00edta\u0165 recenzie a sk\u00fasenosti na\u0161ich n\u00e1v\u0161tevn\u00edkov, ktor\u00e9 n\u00e1jdete na konci tejto str\u00e1nky.<\/p>\n\n\n\t<div class=\"block-fn-toc\">\n\t\t\t\t\t<h3 class=\"block-fn-toc__title\">\n\t\t\t\tObsah recenzie\t\t\t<\/h3>\n\t\t\t\t<ul start=\"1\" class=\"block-fn-toc__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n<p>V pr\u00edpade, \u017ee ste sami mali p\u00f4\u017ei\u010dku od spolo\u010dnosti Cetelem, budeme radi, ke\u010f sa podel\u00edte o svoje sk\u00fasenosti a nap\u00ed\u0161ete svoju recenziu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Cetelem_piky\">Cetelem p\u00f4\u017ei\u010dky<\/h2>\n\n\n\n<p><strong>Spolo\u010dnos\u0165 Cetelem pon\u00faka viacero druhov p\u00f4\u017ei\u010diek,<\/strong> ktor\u00e9 sa od seba odli\u0161uj\u00fa predov\u0161etk\u00fdm \u00faverov\u00fdm r\u00e1mcom, splatnos\u0165ou, ale aj \u00farokom. Ka\u017ed\u00fa z p\u00f4\u017ei\u010diek si v\u0161ak m\u00f4\u017eete poisti\u0165 proti neschopnosti spl\u00e1ca\u0165. <\/p>\n\n\n\n<p>Pri \u017eiadnej z t\u00fdchto p\u00f4\u017ei\u010diek <strong>nie je potrebn\u00fd ru\u010dite\u013e alebo ru\u010denie nehnute\u013enos\u0165ou. <\/strong>Cetelem p\u00f4\u017ei\u010dky m\u00f4\u017eete navy\u0161e pred\u010dasne splati\u0165 bez ak\u00fdchko\u013evek poplatkov alebo sankci\u00ed. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Cetelem_pika_na_splatenie_verov\">Cetelem p\u00f4\u017ei\u010dka na splatenie \u00faverov<\/h3>\n\n\n\n<p><strong>Prvou z p\u00f4\u017ei\u010diek Cetelem je p\u00f4\u017ei\u010dka na splatenie \u00faverov, <\/strong>resp. <a href=\"https:\/\/financer.com\/sk\/pozicky\/konsolidacia-uveru\/\">konsolid\u00e1cia<\/a>. To znamen\u00e1, \u017ee ke\u010f m\u00e1te viacero \u00faverov, pri ktor\u00fdch m\u00e1te rozdielne \u00faroky, d\u013a\u017eku splatnosti a poplatky, m\u00f4\u017eete ich spoji\u0165 do jednej p\u00f4\u017ei\u010dky navy\u0161e s v\u00fdhodnej\u0161\u00edm \u00farokom 8,4%.<\/p>\n\n\n\n<p><strong>Zl\u00fa\u010den\u00edm viacer\u00fdch p\u00f4\u017ei\u010diek do jednej u\u0161etr\u00edte nemal\u00e9 peniaze. <\/strong>Spolo\u010dnos\u0165 Cetelem si navy\u0161e ne\u00fa\u010dtuje poplatky za poskytnutie \u00faveru, \u010di mimoriadne spl\u00e1tky. Pri z\u00edskanie p\u00f4\u017ei\u010dky navy\u0161e nie je nutn\u00e9 zalo\u017ei\u0165 si nov\u00fd bankov\u00fd \u00fa\u010det, vysta\u010d\u00edte si s t\u00fdm, \u010do u\u017e m\u00e1te.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Reprezentatvny_prklad\">Reprezentat\u00edvny pr\u00edklad<\/h3><em>Pri \u00favere vo v\u00fd\u0161ke 25 000 \u20ac, s \u00farokovou sadzbou 8,40 % ro\u010dne, s po\u010dtom mesa\u010dn\u00fdch spl\u00e1tok 84 vo v\u00fd\u0161ke\u00a0394,66 \u20ac (resp. 422,24 \u20ac vr\u00e1tane poistenia*), s dobou splatnosti 84 mesiacov je celkov\u00e1 \u010diastka, ktor\u00fa spotrebite\u013e zaplat\u00ed 33\u00a0151,44 \u20ac (resp.\u00a035\u00a0468,16\u00a0\u20ac vr\u00e1tane poistenia*). Poplatok za poskytnutie \u00faveru je 0 \u20ac. RPMN je vo v\u00fd\u0161ke 8,75 %. V\u00fdpo\u010det RPMN nezoh\u013ead\u0148uje sumu ur\u010den\u00fa na \u00fahradu poistn\u00e9ho, preto\u017ee poistenie nie je podmienkou poskytnutia \u00faveru.\u00a0V\u00fd\u0161ka RPMN plat\u00ed za predpokladu \u017eiadania \u00faveru 15. de\u0148 v\u00a0mesiaci, s prvou spl\u00e1tkou 15. de\u0148 mesiaca nasleduj\u00faceho a v\u0161etk\u00fdch \u010fal\u0161\u00edch k 15. d\u0148u v mesiaci.\u00a0\u00a0\u00a0<\/em><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Cetelem_pika_na_rekontrukciu_a_bvanie\">Cetelem p\u00f4\u017ei\u010dka na rekon\u0161trukciu a b\u00fdvanie<\/h3>\n\n\n\n<p>Dal\u0161ou Cetelem p\u00f4\u017ei\u010dkou je <strong>p\u00f4\u017ei\u010dka ur\u010den\u00e1 na rekon\u0161trukciu alebo b\u00fdvanie. <\/strong>Po\u017ei\u010da\u0165 si m\u00f4\u017eete od 2 000 do 34 000 \u20ac so splatnos\u0165ou od 6 do 84 mesiacov. \u00darokov\u00e1 sadzba za\u010d\u00edna na 9,9%. <\/p>\n\n\n\n<p>Rovnako ako pri ostatn\u00fdch p\u00f4\u017ei\u010dk\u00e1ch Cetelem, ani tu nie je potrebn\u00fd ru\u010dite\u013e alebo in\u00fd typ ru\u010denia. Neplat\u00edte za poskytnutie \u00faveru. <strong>V niektor\u00fdch pr\u00edpadoch v\u00e1m po\u017ei\u010daj\u00fa a\u017e 50 000 \u20ac. <\/strong>P\u00f4\u017ei\u010dku si taktie\u017e m\u00f4\u017eete poisti\u0165 proti neschopnosi spl\u00e1ca\u0165.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><tbody><tr><td><strong>\u00daverov\u00fd r\u00e1mec<\/strong><\/td><td>2 000 &#8211; 34 000 \u20ac<\/td><\/tr><tr><td><strong>Splatnos\u0165 <\/strong><\/td><td>6 &#8211; 84 mesiacov<\/td><\/tr><tr><td><strong>\u00darok<\/strong><\/td><td>9,9%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Cetelem p\u00f4\u017ei\u010dka na rekon\u0161trukciu a b\u00fdvanie<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Cetelem_pika_na_ojazden_auto\">Cetelem p\u00f4\u017ei\u010dka na ojazden\u00e9 auto<\/h3>\n\n\n\n<p>Cetelem p\u00f4\u017ei\u010dka na ojazden\u00e1 auto<strong> v\u00e1m pom\u00f4\u017ee k\u00fapi\u0165 si va\u0161e vysn\u00edvan\u00e9 vozidlo. <\/strong>Na rozdiel od <a href=\"https:\/\/financer.com\/sk\/osobne-financie\/klasicky-leasing\/\">leasingu<\/a> tak budete ma\u0165 auto vo svojom vlastn\u00edctve hne\u010f od za\u010diatku a nemus\u00edte zlo\u017ei\u0165 \u017eiadnu akont\u00e1ciu. <\/p>\n\n\n\n<p>Po\u017ei\u010da\u0165 si m\u00f4\u017eete od 2 000 do 34 000 \u20ac s dobou splatnosti od 6 do 84 mesiacov. \u00darokov\u00e1 sadzba sa za\u010d\u00edna na 9,9%. <strong>P\u00f4\u017ei\u010dka Cetelem je flexibiln\u00e1, teda sa v\u017edy prisp\u00f4sob\u00ed va\u0161ej \u017eivotnej situ\u00e1ci\u00ed,<\/strong> navy\u0161e si ju m\u00f4\u017eete poisti\u0165. <\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><tbody><tr><td><strong>\u00daverov\u00fd r\u00e1mec<\/strong><\/td><td>2 000 &#8211; 34 000 \u20ac<\/td><\/tr><tr><td><strong>Splatnos\u0165<\/strong><\/td><td>6 &#8211; 84 mesiacov<\/td><\/tr><tr><td><strong>\u00darok<\/strong><\/td><td>9,9%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Cetelem p\u00f4\u017ei\u010dka na ojazden\u00e9 auto<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Cetelem_pika_na_nov_auto\">Cetelem p\u00f4\u017ei\u010dka na nov\u00e9 auto<\/h3>\n\n\n\n<p>S Cetelem<strong> si m\u00f4\u017eete po\u017ei\u010da\u0165 nielen na ojazden\u00e9, ale aj na nov\u00e9 auto. <\/strong>\u00daverov\u00fd r\u00e1mec, splatnos\u0165 aj \u00farok je rovnak\u00fd ako pri p\u00f4\u017ei\u010dke na ojazden\u00e9 auto. Ak sa st\u00e1le neviete rozhodn\u00fa\u0165, \u010di pri zaobstar\u00e1van\u00ed nov\u00e9ho vozidla zvoli\u0165 <a href=\"https:\/\/financer.com\/sk\/pozicky\/uver-na-auto\/\">p\u00f4\u017ei\u010dku na auto<\/a> alebo leasing, pre\u010d\u00edtajte si <a href=\"https:\/\/financer.com\/sk\/pozicky\/pozicka-na-auto-alebo-leasing\/\">n\u00e1\u0161 \u010dl\u00e1nok na t\u00fato t\u00e9mu. <\/a><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><tbody><tr><td><strong>\u00daverov\u00fd r\u00e1mec<\/strong><\/td><td>2 000 &#8211; 34 000 \u20ac<\/td><\/tr><tr><td><strong>Splatnos\u0165<\/strong><\/td><td>6 &#8211; 84 mesiacov<\/td><\/tr><tr><td><strong>\u00darok<\/strong><\/td><td>9,9%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Cetelem p\u00f4\u017ei\u010dka na nov\u00e9 auto<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Cetelem_pika_na_okovek\">Cetelem p\u00f4\u017ei\u010dka na \u010doko\u013evek<\/h3>\n\n\n\n<p>V\u00fdhodou Cetelem p\u00f4\u017ei\u010dky na \u010doko\u013evek je, \u017ee <strong>nie je potrebn\u00e9 dokladova\u0165 na ak\u00fd \u00fa\u010del ju pl\u00e1nujete pou\u017ei\u0165, <\/strong>preto\u017ee je bez\u00fa\u010delov\u00e1. Po\u017ei\u010da\u0165 si m\u00f4\u017eete od 2 000 do 25 000 \u20ac s dobou splatnosti od 6 do 96 mesiacov. \u00darokov\u00e1 sadzba sa za\u010d\u00edna na 9,9% ro\u010dne. <\/p>\n\n\n\n<p>Za poskytnutie Cetelem \u00faveru ni\u010d neplat\u00edte. P\u00f4\u017ei\u010dku navy\u0161e z\u00edskate bez ru\u010dite\u013ea alebo potreby ru\u010di\u0165 nehnute\u013enos\u0165ou. Po vyplnen\u00ed \u017eiadosti o p\u00f4\u017ei\u010dku dostanete <strong>do p\u00e1r min\u00fat predbe\u017en\u00e9 pos\u00fadenie va\u0161ej \u017eiadosti.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><tbody><tr><td><strong>\u00daverov\u00fd r\u00e1mec<\/strong><\/td><td>2 000 &#8211; 25 000 \u20ac<\/td><\/tr><tr><td><strong>Splatnos\u0165<\/strong><\/td><td>6 &#8211; 96 mesiacov<\/td><\/tr><tr><td><strong>\u00darok<\/strong><\/td><td>9,9%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Cetelem p\u00f4\u017ei\u010dka na \u010doko\u013evek<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Cetelem_expresn_pika\">Cetelem expresn\u00e1 p\u00f4\u017ei\u010dka<\/h3>\n\n\n\n<p>Posledn\u00fdm typom p\u00f4\u017ei\u010dky od Cetelem je produkt expresn\u00e1 p\u00f4\u017ei\u010dka.<strong> Po\u017ei\u010da\u0165 si m\u00f4\u017eete od 500 do 2 000 \u20ac <\/strong>s dobou splatnosti od 6 do 48 mesiacov. \u00darokov\u00e1 sadzba sa za\u010d\u00edna na 0% ro\u010dne. <\/p>\n\n\n\n<p><strong>O p\u00f4\u017ei\u010dku m\u00f4\u017eete po\u017eiada\u0165 prostredn\u00edctvom internetu.<\/strong> \u017diadosti s\u00fa spracov\u00e1van\u00e9 prednostne, \u010do v\u00e1m umo\u017e\u0148uje z\u00edska\u0165 p\u00f4\u017ei\u010dku ove\u013ea r\u00fdchlej\u0161ie. Po spracovan\u00ed va\u0161ej \u017eiadosti a dolo\u017een\u00ed potrebn\u00fdch dokladov, v\u00e1m celtelem peniaze ihne\u010f po\u0161le. <\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><tbody><tr><td><strong>\u00daverov\u00fd r\u00e1mec<\/strong><\/td><td>500 &#8211; 2 000 \u20ac<\/td><\/tr><tr><td><strong>Splatnos\u0165<\/strong><\/td><td>6 &#8211; 48 mesiacov<\/td><\/tr><tr><td><strong>\u00darok<\/strong><\/td><td>14,9%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Cetelem expresn\u00e1 p\u00f4\u017ei\u010dka<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Cetelem_pika_podmienky_\">Cetelem p\u00f4\u017ei\u010dka podmienky <\/h2>\n\n\n\n<p>O ak\u00fako\u013evek z Cetelem p\u00f4\u017ei\u010diek <strong>m\u00f4\u017eete po\u017eiada\u0165 cez internet, pr\u00edpadne telefonicky.<\/strong> \u010co sa t\u00fdka podmienok Cetelem p\u00f4\u017ei\u010dky, nie s\u00fa obzvl\u00e1\u0161\u0165 pr\u00edsne. Posta\u010d\u00ed, ak m\u00e1te vek od 18 do 75 rokov, trval\u00fd pobyt na \u00fazem\u00ed SR a pravideln\u00fd pr\u00edjem.<\/p>\n\n\n\n<p><strong>K \u017eiadosti o p\u00f4\u017ei\u010dku budete musie\u0165 dolo\u017ei\u0165<\/strong> aj ur\u010dit\u00e9 dokumenty, ako napr\u00edklad:<\/p>\n\n\n\n<ul>\n<li>Ob\u010diansky preukaz<\/li>\n\n\n\n<li>\u010eal\u0161\u00ed doklad toto\u017enosti napr\u00edklad vodi\u010dsk\u00fd preukaz alebo pas<\/li>\n\n\n\n<li>V\u00fdpis z bankov\u00e9ho \u00fa\u010dtu<\/li>\n\n\n\n<li>Dolo\u017eenie pravideln\u00fdch pr\u00edjmov<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Ako_poiada_o_Cetelem_piku\">Ako po\u017eiada\u0165 o Cetelem p\u00f4\u017ei\u010dku?<\/h2>\n\n\n<div class=\"single-article__steps\"><div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">Krok 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Webove-stranky-Cetelem\">Webov\u00e9 str\u00e1nky Cetelem<\/h3>Ak m\u00e1te z\u00e1ujem o Cetelem p\u00f4\u017ei\u010dku, m\u00f4\u017eete o \u0148u po\u017eiada\u0165 aj online. Sta\u010d\u00ed ak nav\u0161t\u00edvite webov\u00e9 str\u00e1nky spolo\u010dnosti Cetelem. Na \u00favodnej str\u00e1nke sa v\u00e1m zobraz\u00ed Cetelem kalkula\u010dka, na ktorej si zvol\u00edte, ko\u013eko si chcete po\u017ei\u010da\u0165, ako dlho chcete p\u00f4\u017ei\u010dku spl\u00e1ca\u0165, pr\u00edpadne ako si predstavujete v\u00fd\u0161ku mesa\u010dn\u00fdch spl\u00e1tok. N\u00e1sledne kliknete na zelen\u00e9 tla\u010didlo so sumou va\u0161ej p\u00f4\u017ei\u010dky.\n<img decoding=\"async\" class=\"aligncenter wp-image-39448 size-full\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-min.png\" alt=\"\" width=\"2316\" height=\"1428\" srcset=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-min.png 2316w, https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-min-300x185.png 300w, https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-min-1024x631.png 1024w, https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-min-768x474.png 768w, https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-min-1536x947.png 1536w, https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-min-2048x1263.png 2048w, https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-min-246x152.png 246w\" sizes=\"(max-width: 2316px) 100vw, 2316px\" \/><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Krok 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Online-formular\">Online formul\u00e1r <\/h3>Budete presmerovan\u00fd na online formul\u00e1r, v ktorom vypln\u00edte z\u00e1kladn\u00e9 \u00fadaje, ako je va\u0161e meno, priezvisko, rodn\u00e9 \u010d\u00edslo, telef\u00f3nne \u010d\u00edslo a e-mail.\n<img decoding=\"async\" class=\"aligncenter wp-image-39449 size-full\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-2-min.png\" alt=\"\" width=\"2430\" height=\"1420\" srcset=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-2-min.png 2430w, https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-2-min-300x175.png 300w, https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-2-min-1024x598.png 1024w, https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-2-min-768x449.png 768w, https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-2-min-1536x898.png 1536w, https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-2-min-2048x1197.png 2048w\" sizes=\"(max-width: 2430px) 100vw, 2430px\" \/><\/div><\/div> <div class=\"single-article__conclusion\">\n <div class=\"single-article__conclusion-tag alt\" id=\"step_3\">Krok 3<\/div><div class=\"single-article__conclusion-item\"><div class=\"single-article__conclusion-content\"><h3 id=\"Doplnujuce-udaje\">Dopl\u0148uj\u00face \u00fadaje<\/h3>Postupne vypln\u00edte aj \u00fadaje, ktor\u00e9 sa bud\u00fa t\u00fdka\u0165 v\u00e1\u0161ho zamestnania, financi\u00ed, rodinnej situ\u00e1cie a podobne. \u017diados\u0165 n\u00e1sledne odo\u0161lete a po\u010dk\u00e1te si na v\u00fdsledky predbe\u017en\u00e9ho pos\u00fadenia.\u00a0\n<img decoding=\"async\" class=\"size-full wp-image-39450 aligncenter\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-3.png\" alt=\"\" width=\"1576\" height=\"588\" srcset=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-3.png 1576w, https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-3-300x112.png 300w, https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-3-1024x382.png 1024w, https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-3-768x287.png 768w, https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/07\/cetelem-prihlasenie-3-1536x573.png 1536w\" sizes=\"(max-width: 1576px) 100vw, 1576px\" \/><\/div><\/div> <\/div>\n <\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Cetelem_kreditn_karta\">Cetelem kreditn\u00e1 karta<\/h2>\n\n\n\n<p>Ako sme u\u017e v \u00favode spomenuli, <strong>spolo\u010dnos\u0165 Cetelem pon\u00faka aj kreditn\u00e9 karty. <\/strong>V\u010faka Cetelem kreditnej karte m\u00e1te mo\u017enos\u0165 plati\u0165 za tovary a slu\u017eby v kamenn\u00fdch prev\u00e1dzkach, ale aj na internete. <\/p>\n\n\n\n<p>T\u00e1to kreditn\u00e1 karta v\u00e1m pon\u00faka<strong> \u00faverov\u00fd r\u00e1mec a\u017e 5 000 \u20ac s bez\u00faro\u010dn\u00fdm obdob\u00edm a\u017e 55 dn\u00ed. <\/strong>Po uplynut\u00ed bez\u00faro\u010dn\u00e9ho obdobia v\u00e1m bude \u00fa\u010dtovan\u00fd \u00farok 1,49% p.m., teda 17,88% p.a.<\/p>\n\n\n\n<p>V\u00fdhodou je, \u017ee neplat\u00edte \u017eiadne mesa\u010dn\u00e9 poplatky. <strong>Pou\u017e\u00edva\u0165 ju m\u00f4\u017eete aj v zahrani\u010d\u00ed, <\/strong>pri\u010dom m\u00e1te NON STOP pr\u00edstup k v\u00e1\u0161mu \u00fa\u010dtu. Rovnako ako in\u00e9 \u00faverov\u00e9 produkty od Cetelem, aj kartu si m\u00f4\u017eete poisti\u0165. Z\u00e1rove\u0148 pri ka\u017edej platbe Cetelem kartou z\u00edskavate 1% z n\u00e1kupu nasp\u00e4\u0165 na kartu.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Reprezentatvny_prklad_pre_revolvingov_ver\">Reprezentat\u00edvny pr\u00edklad pre revolvingov\u00fd \u00faver<\/h3><em data-rich-text-format-boundary=\"true\">V\u00fd\u0161ka \u00faverov\u00e9ho r\u00e1mca 900,00 \u20ac, ro\u010dn\u00e1 percentu\u00e1lna miera n\u00e1kladov 19,42 %, Dodato\u010dn\u00e9 predpoklady pre v\u00fdpo\u010det RPMN: v\u00fd\u0161ka \u010derpania revolvingov\u00e9ho \u00faveru 900,00 \u20ac, s\u00a0fixnou \u00farokovou sadzbou 17,88 % a \u00a0s poplatkom za kreditn\u00fa kartu 0,00 \u20ac. Klient \u00faver splat\u00ed v 12 spl\u00e1tkach v mesa\u010dn\u00fdch intervaloch, pri\u010dom spl\u00e1tka istiny bude v\u017edy v rovnakej v\u00fd\u0161ke 75,00 \u20ac a pripo\u010d\u00edtaj\u00fa sa k nej poplatky a \u00faroky. Celkov\u00e1 \u010diastka k zaplateniu: 987,18 \u20ac. Pre v\u00fdpo\u010det RPMN nebola zoh\u013eadnen\u00e1 suma ur\u010den\u00e1 na \u00fahradu poistn\u00e9ho, preto\u017ee poistenie nie je podmienkou poskytnutia revolvingov\u00e9ho \u00faveru. In\u00e9 mechanizmy \u010derpania revolvingov\u00e9ho \u00faveru m\u00f4\u017eu vies\u0165 k vy\u0161\u0161ej ro\u010dnej percentu\u00e1lnej miere n\u00e1kladov.<\/em><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Nkup_na_spltky_Cetelem\">N\u00e1kup na spl\u00e1tky Cetelem<\/h2>\n\n\n\n<p>Novinka na slovenskom trhu, n\u00e1kup na spl\u00e1tky Cetelem,<strong> kombinuje kreditn\u00fa kartu so spl\u00e1can\u00edm zn\u00e1mym zo spl\u00e1tkov\u00e9ho predaja.<\/strong> V\u010faka tomuto produktu m\u00f4\u017eete nakupova\u0165 bez papierova\u010diek a \u010dakania. <\/p>\n\n\n\n<p>Kreditnou kartou m\u00f4\u017eete <strong>zaplati\u0165 v kamenn\u00fdch, ale aj internetov\u00fdch predajniach, <\/strong>pri\u010dom po\u017ei\u010dan\u00e9 peniaze spl\u00e1cate prostredn\u00edctvom pravideln\u00fdch spl\u00e1tok. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><strong>Nakupova\u0165 m\u00f4\u017eete u partnerov spolo\u010dnosti Cetelem, <\/strong>patria sem predajne ako napr\u00edklad: FaxCOPY, MALL.SK, alza.sk, Merkury Market, insportline, Ikea, Decathlon, oresi alebo Okay.<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"O_poskytovateovi\">O poskytovate\u013eovi<\/h2>\n\n\n\n<p><strong>Spolo\u010dnos\u0165\u00a0 Cetelem p\u00f4sob\u00ed na slovenskom trhu od roku 2000<\/strong>. Za\u010d\u00ednala ako finan\u010dn\u00e1 spolo\u010dnos\u0165 \u0161pecializuj\u00faca sa predov\u0161etk\u00fdm na poskytovanie spotrebite\u013esk\u00fdch \u00faverov, nesk\u00f4r v\u0161ak svoje portf\u00f3lio slu\u017eieb roz\u0161irovala o mo\u017enos\u0165 n\u00e1kupu na spl\u00e1tky a kreditn\u00fa kartu Cetelem.<\/p>\n\n\n\n<p>Ako \u010dlen jednej z najv\u00e4\u010d\u0161\u00edch b\u00e1nk na svete\u00a0<strong>BNP Paribas\u00a0<\/strong>predstavuje eur\u00f3psku jednotku v po\u010dte poskytnut\u00fdch \u00faverov. Len na Slovenskom trhu doteraz poskytla viac ako 2 mili\u00f3ny \u00faverov, \u010do sved\u010d\u00ed o jej ob\u013e\u00fabenosti u \u0161irok\u00e9ho spektra z\u00e1kazn\u00edkov.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Cieov_skupina\">Cie\u013eov\u00e1 skupina<\/h3>\n\n\n\n<p>Spolo\u010dnos\u0165 Cetelem sa v ponuke svojich finan\u010dn\u00fdch produktov <strong>zameriava na skupinu \u013eud\u00ed v produkt\u00edvnom veku<\/strong> od 18 do 65 rokov. <\/p>\n\n\n\n<p>To v\u0161ak neznamen\u00e1, \u017ee z mo\u017enosti po\u017eiada\u0165 o p\u00f4\u017ei\u010dku vyl\u00fa\u010dili d\u00f4chodcov. M\u00f4\u017eu tak urobi\u0165 aj \u013eudia nad 65 rokov v pr\u00edpade, \u017ee<strong> v \u010dase doplatenia p\u00f4\u017ei\u010dky budete ma\u0165 maxim\u00e1lne 75 rokov<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Cetelem_kontakt\">Cetelem kontakt<\/h3>\n\n\n\n<p>Z h\u013eadiska r\u00fdchlosti prip\u00edsania finan\u010dn\u00fdch prostriedkov na \u00fa\u010det je na tom Cetelem v porovnan\u00ed s ostatn\u00fdmi bankov\u00fdmi spolo\u010dnos\u0165ami dobre. Garantuj\u00fa <strong>peniaze na \u00fa\u010dte do 24 hod\u00edn<\/strong> od definit\u00edvneho schv\u00e1lenia p\u00f4\u017ei\u010dky.<\/p>\n\n\n\n<p>Okrem toho m\u00e1 Cetelem vypracovan\u00fa rozsiahlu podstr\u00e1nku venovan\u00fa odpovediam na \u010dasto kladen\u00e9 ot\u00e1zky. <strong>Cetelem infolinka<\/strong> je dostupn\u00e1 ka\u017ed\u00fd pracovn\u00fd de\u0148 do 18:00. S\u00fa pomerne \u013eahko dostupn\u00ed aj vtedy, ak ich kontaktujete cez e-mail, \u010dakacia doba je v\u0161ak mierne dlh\u0161ia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Cetelem_recenzie_a_sksenosti\">Cetelem recenzie a sk\u00fasenosti<\/h3>\n\n\n\n<p>Obdobou dobre zn\u00e1meho interentov\u00e9ho bankovn\u00edctva u in\u00fdch b\u00e1nk je takzvan\u00e1\u00a0<strong>Klientska z\u00f3na.<\/strong> Po prihl\u00e1sen\u00ed do nej z\u00edskate pr\u00edstup k v\u00e1\u0161mu virtu\u00e1lnemu \u00fa\u010dtu, kde uvid\u00edte preh\u013ead v\u0161etk\u00fdch finan\u010dn\u00fdch produktov.<\/p>\n\n\n\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\n\n\n<p>Presved\u010dte sa sami, ak\u00e9 s\u00fa doteraj\u0161ie sk\u00fasenosti so spolo\u010dnos\u0165ou Cetelem, pr\u00edpadne sami pop\u00ed\u0161te svoju vlastn\u00fa sk\u00fasenos\u0165.<\/p>\n\n\n<h3 id=\"Vhody\">V\u00fdhody<\/h3>\n<ul>\n<li>Spotrebn\u00fd \u00faver a\u017e do 50 000 EUR<\/li>\n<li>Pri p\u00f4\u017ei\u010dke do 5000 EUR kreditn\u00e1 karta Cetelem<\/li>\n<li>Kladn\u00e9 hodnotenia doteraj\u0161\u00edch klientov<\/li>\n<li>Ako pr\u00edjem posta\u010duje aj d\u00f4chodok<\/li>\n<li>Bez zalo\u017eenia \u00fa\u010dtu a viazanosti<\/li>\n<\/ul>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Nevhody\">Nev\u00fdhody<\/h3><li>\n<p>Pr\u00edsnej\u0161ie krit\u00e9ri\u00e1 na v\u00fd\u0161ku pr\u00edjmu<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"u010casto_kladenu00e9_otu00e1zky\">\u010casto kladen\u00e9 ot\u00e1zky<\/h3><h4>Ak\u00e9 doklady potrebujem dolo\u017ei\u0165 k p\u00f4\u017ei\u010dke?<\/h4><div class=\"faq_inner\">Sta\u010d\u00ed v\u00e1m dolo\u017ei\u0165 jeden doklad toto\u017enosti, napr\u00edklad ob\u010diansky preukaz. \u010ealej v\u00fdpis z v\u00e1\u0161ho bankov\u00e9ho \u00fa\u010dtu a doklad o pravidelnom pr\u00edjme. Ten z\u00e1vis\u00ed od toho, \u010di ste zamestnancom na trval\u00fd pracovn\u00fd pomer, d\u00f4chodcom alebo samostatne z\u00e1robkovo \u010dinnou osobou.<\/div><h4>Ako r\u00fdchlo budem ma\u0165 peniaze na svojom \u00fa\u010dte?<\/h4><div class=\"faq_inner\">Spolo\u010dnos\u0165 Cetelem deklaruje zaslanie finan\u010dn\u00fdch prostriedkov na \u00fa\u010det do 24 hod\u00edn od definit\u00edvneho schv\u00e1lenia \u017eiadosti po kontrole v\u0161etk\u00fdch \u00fadajov a predlo\u017een\u00fdch dokumentov.<\/div><h4>Pracujem v zahrani\u010d\u00ed, m\u00f4\u017eem po\u017eiada\u0165 o p\u00f4\u017ei\u010dku?<\/h4><div class=\"faq_inner\">Cetelem v s\u00fa\u010dasnosti akceptuje klientov s pr\u00edjmom zo zahrani\u010dia, pokia\u013e ide o pr\u00edjem zo z\u00e1vislej \u010dinnosti. Po\u017eiadavk\u00e1m v\u0161ak nevyhoviete v pr\u00edpade, ak m\u00e1te pr\u00edjem priamo z podnikania v zahrani\u010d\u00ed.<\/div><h4>Ako funguje Cetelem karta?<\/h4><div class=\"faq_inner\">Kreditn\u00e1 karta Cetelem funguje ako klasick\u00e1 kreditka s vopred ur\u010denou v\u00fd\u0161kou kreditu, \u00farokovou sadzbou a maxim\u00e1lnym bez\u00faro\u010dn\u00fdm obdob\u00edm.\u00a0<\/div><h4>Ako zru\u0161i\u0165 Cetelem kartu?<\/h4><div class=\"faq_inner\">Zru\u0161i\u0165 kartu Cetelem m\u00f4\u017eete nav\u0161t\u00edven\u00edm ich pobo\u010dky, na ktorej v\u00e1m pom\u00f4\u017eu s vyp\u00edsan\u00edm potrebn\u00e9ho formul\u00e1ru so \u017eiados\u0165ou o zru\u0161enie karty. Formul\u00e1r n\u00e1jdete aj na internete, na ofici\u00e1lnom webe Cetelem.<\/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 so spolo\u010dnos\u0165ou Cetelem? 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":"4.01388889","_links":{"self":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_single\/387"}],"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=387"}],"version-history":[{"count":50,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_single\/387\/revisions"}],"predecessor-version":[{"id":45795,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_single\/387\/revisions\/45795"}],"wp:attachment":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/media?parent=387"}],"wp:term":[{"taxonomy":"company_type","embeddable":true,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_type?post=387"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}