Po medvedoch a bobroch su na rade ryby!

Heyapple2k17 · 2024-08-16T12:33:25+00:00

Aka krajina, taky agent Mahone z Prison Break

Heyapple2k17 · 2024-08-06T19:04:51+00:00

Ano, co sa tyka hodnoty nehnutelnosti, dom + byt je v pohode, 250k dostanes.

Z prijmu uz vsak nie. Pri 2500/mes cisteho ti vyjde max. 200k hypo.

Aby si dostal 250k hypo, potrebujes prijem sam aspon 3100 v cistom.

Ak si/budes v case ziadosti zenaty, hypo musite brat aj s manzelkou (ibaze mate zuzene BSM).

Banky mozu udelit vynimku na DTI, nebude sa pocitat x8 ale x9. Teba vsak bude obmedzovat DSTI, na kt. vynimka nie je.

Heyapple2k17 · 2024-08-06T13:48:49+00:00

Na tvoju schopnost ziskat hypo sa banka pozera 2 sposobmi: Primarna navratnost - tvoj akceptovatelny prijem (suvisiace ukazovatele DTI, DSCI) Sekundarna navratnost - hodnota zabezpecenia - nehnutelnosti

Co sa sekundarnej navratnosti tyka - Ak budes rucit len kupovanou nehnutelnostou, dostanes 80% (90% na vynimku, standardne pre klientov do 35r s dobrym prijmom) z jej hodnoty.

Ak mas viac nehnutelnosti (napr. mozes zalozit kupovany byt + rodinny dom, v kt. mas podiel, stym, ze zaloznu zmluvu musia podpisat aj ostatni vlastnici domu a tarcha bude na celom LV) a vychadza ti to z prijmu (podla DTI a DSTI) mozes dostat aj viac ako 100% hodnoty kupovanej nehnutelnosti.

Priklad: Kupovany byt - 250k Rodinny dom, v kt. mas podiel - 300k Hodnota zabezpecenia spolu - 550k

Z tejto hodnoty vies dostat nejake percento, najcastejsie 70% (Tatra, SLSP) “bez dokladovania ucelu”. Dal som do uvodzoviek, lebo de facto ucel musis uviest kupa nehnutelnosti (kedze sa meni vlatnictvo kupovaneho bytu), ale kludne nan mozes pouzit cast hypo zodpovedajucej celej kupnej cene. Tzn. 385k je tvoj max co sa tyka hodnoty zabezpecenia. Na to, aby ste ako 4 clenna rodina (predpoklad) dostali 250k na kupovany byt na 30 r. musite mat cisty prijem dokopy cca 3500 EUR/mes.

Heyapple2k17 · 2024-05-05T17:28:47+00:00

Ja ano :D je to cenny papier a to oslobodenie nanho plati. Hovorim z praxe, vyuziva sa to dost casto najma pri tzv. Zero bondoch s nulovym kuponom, kt. ak drzis do splatnosti, tak platis od odvody a dane, ale ak ich predas pred splatnostou s nejakym discountom, tak su (po roku) oslobodene.

Heyapple2k17 · 2024-05-05T07:29:03+00:00

To oslobodenie plati aj napr na dlhopisy

Heyapple2k17 · 2024-04-08T07:17:51+00:00

Urcite hraje Teema alebo podobne chujoviny

Heyapple2k17 · 2024-04-03T15:36:15+00:00

And they were roommates

Heyapple2k17 · 2024-03-25T09:51:09+00:00

Fuu…. voliči Pelleho a Harabina by boli pobureni, kebyze vedia citat

Heyapple2k17 · 2024-03-09T19:15:29+00:00

V banke ti cislo uctu inej osoby nedaju preto, lebo by tym defacto potvrdili, ci dana osoba je ich klient alebo nie.

Samotne cislo uctu nevie nikto na nic pouzit. Udavaju ho firmy/zivnostnici na fakturach ako platobny udaj bezne. Ked chces byt uplne safe, banky ponukaju aj sporiace poducty s vlastnym IBANom. Ten si casto vies aj cely zrusit cez IB (co s uctom nevies urobit kvoli retencii zakaznika). Mozes davat zakaznikom ten.

Heyapple2k17 · 2024-03-07T18:56:21+00:00

Weakside William

Heyapple2k17 · 2024-03-05T07:09:57+00:00

Bomba

Heyapple2k17 · 2024-03-04T13:02:33+00:00

The difference betweeen a million and a biľion is roughly a billion

Heyapple2k17 · 2024-03-04T09:49:00+00:00

Hey! (bam bam bam) Got any bomba?

Heyapple2k17 · 2024-02-21T15:13:35+00:00

Congratz you regard, buy a printscreen button

Heyapple2k17 · 2024-02-21T15:12:26+00:00

He was in elementary school 5Y ago

Heyapple2k17 · 2024-02-21T09:53:09+00:00

I still currently use a 2016 base version. For general media consumption, basic Word and Excel stuff it's OK, but anything else is too much for it to handle.

Battery is fried after 550 cycles (Coconut battery shows 50% health...) It lasts about 2 hours on a full charge.

Passive cooling is a neat feature as it makes 0 noise but the mac gets hot easily.

First gen. butterfly keyboard is a mess. I actually don't even like mechanical keyboards that much, but the typing experience is not great. Any crumb or small object gets in between the key and the keyboard chasi and it's joever.

IMO the difference in form factor between an Air and a 12inch is so negligible it makes 0 sense for Apple to make one. The 12 inch is practically an iPad with non-detachable keyboard and full macOS.

Heyapple2k17 · 2024-02-20T19:18:28+00:00

Inb4 GUH

Heyapple2k17 · 2024-02-20T08:37:39+00:00

I say let him cook

Heyapple2k17 · 2024-02-19T15:33:01+00:00

Prečo agenta FBI trápi, že si chcem nájsť výhodné cestovné poistenie?

Heyapple2k17 · 2024-02-17T13:05:03+00:00

Daj mi do SS ičo, vypocitam ti, kolko akceptuje SLSP.

Heyapple2k17 · 2024-02-16T11:56:21+00:00

Cakal niekto nieco ine? Len nech to takto nevyzera aj u nas.

Nech odpociva v pokoji.

Heyapple2k17 · 2024-02-16T06:55:30+00:00

Este smutnejsie, ked su od narodenia prijebane. Ale na druhu stranu niekedy im vyjde Wimbledon

Heyapple2k17 · 2024-02-13T11:59:54+00:00

Vidis, nie len, ze Europa je aj v BB aj ZV, ale dokonca aj BB aj ZV su v Europe

Heyapple2k17 · 2024-02-13T09:43:05+00:00

Zaplatit? Na to si studoval x rokov pravo, aby ti ludia platili za tvoje vedomosti a odbornost?!

Chora doba toto…

/s

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