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{"sheet":"Voľba typu úveru","index":1,"n_rows":10,"n_cols":13,"rows_kept":10,"cut":false,"hidden":false,"merged":[[8,1,8,10],[8,12,8,21],[9,1,9,10],[9,12,9,21],[0,1,0,21],[1,1,1,21],[6,1,6,10],[6,12,6,21],[7,1,7,10],[7,12,7,21]]}
[null,"Vyber typ úveru"]
[null,"(stlač tlačidlo \"Na rekonštrukciu\" alebo \"Na dofinancovanie ČSOB hypotéky\" a začni vypĺňať žiadosť o úver)"]
[]
[]
[]
[]
[null,"Proces žiadosti o REKO úver",null,null,null,null,null,null,null,null,null,null,"Proces žiadosti o HypoEXTRA"]
[null,"Spracovanie: KP ČSOB alebo akvizícia/TIP\nUlož si verziu Kalkulačky úverov stavebnej sporiteľne na disk U.\n1. Vyber typ spracovania a vyplň údaje v danej sekcii\n2. Vyplň údaje o žiadateľovi (okrem bunky \"Úverový register - výsledok\")\n3. Vytlač súhlas na vstup do úverového registra cez tlačidlo v hornej lište a daj ho žiadateľovi podpísať. Podpísaný súhlas + tebou overenú fotokópiu OP žiadateľa oskenuj a pošli mailom na reko@csob.sk\n4. Vyplň so žiadateľom záznam zo stretnutia. Počas tejto doby obdržíš mailom  príznak z úverového registra, ktorý dopíšeš do bunky \"Úverový register - výsledok\"\n5. Doplnením príznaku z úverového registra aplikácia vyhodnotí či je možné pokračovať v žiadosti ďalej\n6. Vyplň údaje žiadateľa a ďalšie údaje o úvere\n7. Stlač tlačidlo \"Prepočet\" - dozvieš sa či klient vyhovuje a aké sú parametre úveru (max. splatnosť atď.) - ak nevyhovuje zníž výšku úveru, pridaj spolužiadateľa 2 alebo zvýš/zníž dobu splatnosti úveru\n8. Vyplň ostatné údaje žiadateľa a prevzatie dokumentov\n9. Stlač tlačidlo \"Export do schvalovacieho procesu\" a odošli vygenerovanú elektronickú žiadosť o úver mailom na uverysp@csob.sk\n10. Stlač tlačidlo \"Tlač - žiadosť o úver\", daj podpísať všetkým účastníkom úveru a pošli na adresu: ČSOB SP, úsek Úvery, Žižkova 11, 811 02 Bratislava\npre rýchlejšie spracovanie pošli sken podpísanej žiadosti spolu so všetkými prílohami a dokladmi na mail uverysp@csob.sk",null,null,null,null,null,null,null,null,null,null,"Spracovanie: KP ČSOB alebo akvizícia/TIP\nUlož si verziu Kalkulačky úverov stavebnej sporiteľne na disk U.\n1. Vyplň všetky polia v žiadosti podsvietené oranžovou \n2. Kalkulačka vypočíta parametre úveru\n3. Ak žiadateľovi nevyhovujú parametre tak premodeluj výšku úveru alebo dobu splatnosti\n4. Vyber typ spracovania a vyplň povinné polia v tejto sekcii\n5. Stlač tlačidlo \"Tlač žiadosti\" v hornej lište\n6. Žiadosť daj podpísať všetkým účastníkom\n7. Naskenuj a pošli mailom na hypoextraSP@csob.sk:\n-podpísaná žiadosť o HypoEXTRA\n-žiadosť o hypotéku (kópiu)\n-kúpnu zmluvu objektu financovania\n-List vlastníctva k objektu financovania\n-overená fotokópia OP/iného potrebného dokumentu na identifikáciu klienta\n-doklady o príjmoch\n-ďalšie doklady podľa povahy úveru\n8. Po schválení hypotéky pošli mailom schvaľovací mail o tejto skutočnosti na hypoextraSP@csob.sk\n9. Keď obdržíš informáciu, že je všetko OK, tak originál týchto dokumentov (okrem žiadosti o hypotéku) pošli na adresu: ČSOB SP, úsek Úvery, Žižkova 11, 811 02 Bratislava"]
[null,"Čakaj na schválenie :)",null,null,null,null,null,null,null,null,null,null,"Čakaj na schválenie :)"]
[null,"Špecifické pre spracovanie maklérom formou \"kompletné spracovanie\": Maklér pri tomto typ spracovania netlačí súhlas na vstup do úverového registra, ale uvádza do bunky úverový register - výsledok hodnotu \"nezáväzná ponuka ...\". Následne maklér prinesie originál celej žiadosti na pobočku ČSOB, ktorú si zvolil v žiadosti a odovzdá zložku KP ČSOB, ktorý následne odošle cez internú poštu na adresu: ČSOB SP, úsek Úvery, Žižkova 11, 811 02 Bratislava",null,null,null,null,null,null,null,null,null,null,"Špecifické pre spracovanie maklérom formou \"kompletné spracovanie\": originál žiadosti odovzdáva na pobočku ČSOB maklér, sken žiadosti spolu s prílohami zasiela mailom KP ČSOB"]

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[]
[null,"Prepočet možností financovania kúpy nehnuteľnosti"]
[null,"Vyplňte polia v tejto sekcii podfarbené šedou a stlačte prepočet. Aplikácia preráta možnosti financovania od ČSOB"]
[null,"Požadovaná výška financovania nehnuteľnosti"]
[null,"Výška hypotéky"]
[null,"Výška úveru na dofinancovanie",null,null,null,null,null,null,{"$f":"IF((F5+F6)>F7,\"Výška hypotéky + výška úveru na dofinancovanie nesmie byť vyššia ako hodnota nehnuteľnosti.\",\"\")","v":""}]
[null,"Hodnota nehnuteľnosti (max do výšky kúpnej ceny)"]
[null,"Splatnosť úverov a ich úroková sadzba"]
[null,"Hypotéka","Splatnosť v rokoch"]
[null,null,"Úroková sadzba p.a."]
[null,"HypoEXTRA","Splatnosť v rokoch"]
[null,null,"Úroková sadzba p.a.",null,null,{"$f":"urokova_sadzba_MU","v":4.5900000000000003E-2}]
[null,"Spotrebný úver","Splatnosť v rokoch"]
[null,null,"Úroková sadzba p.a."]
[null,"Počet účastníkov"]
[null,"Príjem účastníkov"]
[null,"Počet nezaopatrených detí"]
[null,"Výživné"]
[null,"Splátka hypotéky od ČSOB",null,null,null,{"$f":"IFERROR(D32,\"\")","v":""}]
[null,"Existujúce splátky úverov na bývanie"]
[null,"Existujúce splátky ostatných úverov"]
[null,"Zostatok existujúcich úverov spolu"]
[null,"Povolené prečerpania a kreditné karty - limity"]
[]
[]
[null,"Porovnanie HypoEXTRA so spotrebným úverom (v maximálnej možnej výške na dofinancovanie)"]
[null,"Parametre",null,"1. alternatíva",null,null,null,"2. alternatíva"]
[null,null,null,"Hypotéka","HypoEXTRA","Spolu",null,"Hypotéka","Spotrebný úver","Spolu"]
[null,"Výška úveru",null,{"$f":"F5","v":0},{"$f":"IFERROR(MIN(zohladnena_max_vyska_HE,F6),\"\")","v":""},{"$f":"IFERROR(D29+E29,\"\")","v":""},null,{"$f":"F5","v":0},{"$f":"IFERROR(MIN(zohladnena_max_vyska_SU,F6),\"\")","v":""},{"$f":"IFERROR(H29+I29,\"\")","v":""}]
[null,"Doba splatnosti v rokoch",null,{"$f":"F9","v":0},{"$f":"F11","v":0},{"$f":"F9&\" hypot. / \"&F11&\" HypoEXTRA\"","v":" hypot. /  HypoEXTRA"},null,{"$f":"F9","v":0},{"$f":"F13","v":0},{"$f":"H30&\" hypot. / \"&I30&\" SÚ\"","v":"0 hypot. / 0 SÚ"}]
[null,"Úroková sadzba p.a.",null,{"$f":"F10","v":0},{"$f":"F12","v":4.5900000000000003E-2},{"$f":"F10*100&\" % p.a. hypot. / \"&F12*100&\" % p.a. HypoEXTRA\"","v":"0 % p.a. hypot. / 4,59 % p.a. HypoEXTRA"},null,{"$f":"F10","v":0},{"$f":"F14","v":0},{"$f":"F10*100&\" % p.a. hypot. / \"&F14*100&\" % p.a. SÚ\"","v":"0 % p.a. hypot. / 0 % p.a. SÚ"}]
[null,"Splátka úveru",null,{"$f":"IFERROR(PMT(F10/12,F9*12,-F5,0,0),\"\")","v":""},{"$f":"IFERROR(IF(E29=0,0,ROUND((F12*E29)*IF(MOD(YEAR(TODAY()),4)=0,366,365)/12/360,2)+VLOOKUP(F11,tab_koef_ponuka,2,FALSE)*E29),\"\")","v":""},{"$f":"IFERROR(D32+E32,\"\")","v":""},null,{"$f":"IFERROR(PMT(F10/12,F9*12,-F5,0,0),\"\")","v":""},{"$f":"IFERROR(PPMT(F14/12,1,F13*12,-I29,0,1),\"\")","v":""},{"$f":"IFERROR(H32+I32,\"\")","v":""}]
[null,"Preplatenosť",null,{"$f":"IFERROR(D32*F9*12-F5,\"\")","v":""},{"$f":"IFERROR(E32*F11*12-vyska_uver_stsp,\"\")","v":""},{"$f":"IFERROR(D33+E33,\"\")","v":""},null,{"$f":"IFERROR(D32*F9*12-F5,\"\")","v":""},{"$f":"IFERROR(I32*F13*12-I29,\"\")","v":""},{"$f":"IFERROR(H33+I33,\"\")","v":""}]
[null,"Uvedené prepočty jednotlivých alternatív možností financovania, ako aj maximálnej výšky Spotrebného úveru a HypoExtra sú informatívne a nemajú záväzný charakter."]

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[null,"VYPLŇTE POLIA PODFARBENÉ ORANŽOVOU !"]
[null,"Vyhodnotenie žiadosti / Chybové hlášky"]
[null,{"$f":"IFERROR(chyb_hl_celkova,\"ERROR\")","v":"OK"}]
[]
[]
[null,"Údaje o úvere - vstupné údaje"]
[null,"Číslo žiadosti"]
[null,"Suma existujúcich úverov v ČSOB St. Sp."]
[null,"Výška úveru ČSOB St Sp"]
[null,"Doba splatnosti v rokoch úveru"]
[null,"Uplatňovanie nároku na Štátnu prémiu","nie"]
[null,"Účel úveru"]
[null,"Účel úveru 2"]
[null,"Účel úveru 3"]
[null,"Číslo listu vlastníctva"]
[null,"Číslo bytu / súpisné číslo objektu úveru"]
[]
[null,"Doplňujúce údaje o úvere"]
[null,"Zabezpečenie nehnuteľnosťou","nie"]
[null,"Poistenie úveru"]
[null,"Posielanie výpisu o účte"]
[null,"Spôsob čerpania úveru","po predložení dokladov"]
[null,"Spôsob splácania úveru","bankový prevod"]
[]
[null,"Ďalší účastník úveru (spoludlžník)"]
[]
[null,"Údaje o účastníkoch úveru","Žiadateľ","Manželský partner \nžiadateľa","Spoludlžník","Manželský partner \nspoludlžníka"]
[null,"Meno"]
[null,"Priezvisko"]
[null,"Rodné priezvisko"]
[null,"Rodinný stav"]
[null,"Titul"]
[null,"Rodné číslo",null,null,null,null,{"$f":"IF(vek_podmienka=TRUE,\"Vek \" & IF(vek_ziadatel<23, \"žiadateľa\",IF(vek_pristupitel<23,\"ručiteľa\",\"\")) & \" je rovný alebo menší ako 22 rokov.\",\"\")","v":""}]
[null,"Ulica, číslo"]
[null,"Mesto"]
[null,"PSČ"]
[null,"Štát"]
[null,"Číslo dokladu totožnosti"]
[null,"Telefón"]
[null,"E-mail"]
[null,"Osoba s osobitným vzťahom k banke"]
[null,"Politicky exponovaná osoba"]
[null,"Štát daňovej rezidencie"]
[null,"Daňové identifikačné číslo"]
[null,"Dôvod nesúladu medzi štátom trvalého bydliska a štátom daňovej rezidencii"]
[]
[null,"Doplňujúce údaje o účastníkoch úveru","Žiadateľ","Manželský partner \nžiadateľa","Spoludlžník","Manželský partner \nspoludlžníka"]
[null,"Druh príjmu"]
[null,"Typ zamestnania"]
[null,"Typ pracovnej činnosti"]
[null,"Druh podnikateľskej činnosti"]
[null,"Pracovná pozícia"]
[null,"Pracovný pomer od dátumu"]
[null,"Forma vyplácania príjmu"]
[null,"Zdroj príjmu štát"]
[null,"Ďalší príjem"]
[null,"Druh príjmu 2"]
[null,"Typ zamestnania 2"]
[null,"Typ pracovnej činnosti 2"]
[null,"Druh podnikateľskej činnosti 2"]
[null,"Pracovný pomer od dátumu 2"]
[null,"Forma vyplácania príjmu 2"]
[null,"Ďalší príjem 2"]
[null,"Druh príjmu 3"]
[null,"Typ zamestnania 3"]
[null,"Typ pracovnej činnosti 3"]
[null,"Druh podnikateľskej činnosti 3"]
[null,"Pracovný pomer od dátumu 3"]
[null,"Forma vyplácania príjmu 3"]
[]
[null,"PARAMETRE ÚVERU ČSOB Stavebná sporiteľňa"]
[null,"Typ úveru","HypoEXTRA"]
[null,"Splátka medziúveru",{"$f":"IFERROR(splatka_MU+poistne_MU,\"\")","v":""}]
[null,"Stavebné sporenie",{"$f":"IFERROR(vklad_SS,\"\")","v":""}]
[null,"Splátka úrokov medziúveru",{"$f":"+urok_MU","v":0.21}]
[null,"Poistné medziúveru",{"$f":"+poistne_MU","v":0}]
[null,"Splátka následného stavebného úveru",{"$f":"IFERROR(splatka_SU+poistne_SU,\"\")","v":""}]
[null,"Poistné stavebného úveru",{"$f":"+poistne_SU","v":0}]
[null,"Úroková sadzba MU (p.a.)",{"$f":"urokova_sadzba_MU","v":4.5900000000000003E-2}]
[null,"Úroková sadzba SU (p.a.)",{"$f":"urokova_sadzba","v":4.5900000000000003E-2}]
[null,"Doba medziúveru v rokoch",{"$f":"IFERROR(doba_MU,\"\")","v":""}]
[null,"Doba stavebného úveru v rokoch",{"$f":"IFERROR(doba_SU,\"\")","v":""}]
[]
[null,"Spracovanie žiadosti"]
[null,"Spracovanie žiadosti"]
[null,"Miesto"]
[null,"Dátum",{"$f":"TODAY()","v":43885}]
[null,"Spracovanie - KP ČSOB"]
[null,"Spoločnosť / KP","ČSOB Banka"]
[null,"Pobočka ČSOB Banka"]
[null,"Provízne číslo pobočky",{"$f":"IF(FA_pobocka=\"\",\"\",VLOOKUP(FA_pobocka,pobocky_banka,2,FALSE))","v":""}]
[null,"Meno a priezvisko KP"]
[null,"Osobné číslo KP"]
[null,"Email KP"]
[null,"Telefón KP"]
[null,"Meno a priezvisko 2. podpísujúceho úv. zmluvu"]
[null,"Informácie o finančnom agentovi"]
[null,"Meno a priezvisko FA"]
[null,"Provízne číslo spoločnosti v ČSOB SP"]
[null,"EDS spoločnosť",{"$f":"IF(EDS_prov_cislo=\"\",\"\",IF(ISERROR(VLOOKUP(EDS_prov_cislo,list_eds,2,0)),\"Nesprávne provízne číslo.\",VLOOKUP(EDS_prov_cislo,list_eds,2,0)))","v":""}]
[null,"Ident. číslo agenta v rámci EDS spoločnosti"]
[null,"Registračné číslo finančného agenta v NBS"]
[null,"Spracovanie - EDS kompletné spracovanie"]
[null,"Meno a priezvisko FA"]
[null,"Provízne číslo spoločnosti v ČSOB SP"]
[null,"Spoločnosť",{"$f":"IF(EDS_prov_cislo_ks=\"\",\"\",IF(ISERROR(VLOOKUP(EDS_prov_cislo_ks,list_eds,2,0)),\"Nesprávne provízne číslo.\",VLOOKUP(EDS_prov_cislo_ks,list_eds,2,0)))","v":""}]
[null,"Ident. číslo agenta v rámci EDS spoločnosti"]
[null,"Registračné číslo finančného agenta v NBS"]
[null,"Email FA"]
[null,"Miesto odovzdania žiadosti","pobočka ČSOB"]
[null,"Pobočka"]
[null,"Provízne číslo pobočky",{"$f":"IFERROR(VLOOKUP(EDS_pobocka,pobocky_banka,2,FALSE),\"\")","v":""}]

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[null,"VYHLÁSENIA VŠETKÝCH ÚČASTNÍKOV ÚVERU",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true,{"$f":"COUNTA(AN:AN)","v":78}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Evidenčné číslo zmluvy:",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(cislo_ziadosti=\"\",\"\",cislo_ziadosti)","v":""},null,null,null,null,null,null,"Dátum žiadosti:",null,null,null,null,{"$f":"IF(datum_ziadosti=\"\",\"\",datum_ziadosti)","v":43885},null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Žiadateľ o úver (stavebný sporiteľ):",null,null,null,null,null,null,{"$f":"ziadatel_meno & \" \" & ziadatel_priezvisko","v":" "},null,null,null,null,null,null,null,null,null,null,null,"Rodné číslo:",null,null,null,null,{"$f":"IF(ziadatel_RC=\"\",\"\",ziadatel_RC)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Spolužiadateľ:",null,null,null,null,null,null,{"$f":"spoluziadatel_meno & \" \" & spoluziadatel_priezvisko","v":" "},null,null,null,null,null,null,null,null,null,null,null,"Rodné číslo:",null,null,null,null,{"$f":"IF(spoluziadatel_RC=\"\",\"\",spoluziadatel_RC)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Podpisom tejto žiadosti potvrdzujeme, že všetky poskytnuté údaje uvedené v tejto žiadosti sú pravdivé, presné  a úplné. Akúkoľvek ich zmenu sa zaväzujeme oznámiť ČSOB SP bez zbytočného odkladu. Následkom poskytnutia nepresných, nepravdivých alebo neúplných informácií môže byť  neposkytnutie stavebného úveru/medziúveru, resp. vyhlásenie okamžitej splatnosti celého úveru. ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Za spracovanie a schválenie žiadosti o poskytnutie medziúveru, resp. stavebného úveru je ČSOB SP oprávnená účtovať poplatok v zmysle platného Sadzobníka poplatkov pre fyzické osoby - občanov, a to aj v prípade, ak nedôjde k uzatvoreniu úverovej zmluvy, a to bez ohľadu na dôvod jej neuzatvorenia.\n",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Súhlasím, aby si ČSOB SP preverila mnou predložené doklady o príjme u zamestnávateľa. Zároveň súhlasím, aby  Československá obchodná banka, a.s., Žižkova 11, 811 02 Bratisalva, IČO: 36 854 140 (ďalej len \"Československá obchodná banka, a.s.\"), poskytla ČSOB SP informácie o výške mojich príjmov v prípade, ak sú poukazované na účet v Československej obchodnej banke, a.s.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Poskytované finančné prostriedky z poskytnutého stavebného úveru, resp. medziúveru (vrátane zostatku do  výšky 500,00 EUR) je možné použiť len na stavebné účely v zmysle § 11 zákona č. 310/1992 Zb. o  stavebnom  sporení v znení neskorších predpisov (ďalej len „Zákon“).",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"V zmysle § 91 ods. (1) Zákona o bankách súhlasím s poskytovaním a sprístupňovaním údajov o bankových obchodoch uzatvorených s ČSOB SP (vrátane údajov získaných ČSOB SP pri rokovaní o ich uzatvorení), ich zabezpečení, platobnej disciplíne z hľadiska splácania záväzkov, na účely posúdenia mojej schopnosti splácať úver v rozsahu a za podmienok uvedených v § 92a  Zákona o bankách:\n-    prevádzkovateľovi Spoločného registra bankových informácií, ktorým je  spoločnosť Slovak Banking Credit Bureau, s.r.o., IČO: 35 869 810, so sídlom Mlynské Nivy 14, 821 09 Bratislava– Staré Mesto (ďalej „SRBI“),  \n-    subjektom povereným spracúvaním údajov v SRBI,\n-    bankám a pobočkám zahraničných bánk,\n-    prostredníctvom Non-Banking  Credit  Bureau,  záujmové združenie právnických osôb, IČO: 42 053 404, so sídlom Mlynské nivy 14, 821 09 Bratislava-Staré Mesto (ďalej „NRKI“) oprávneným užívateľom NRKI,\na to na dobu 5 rokov odo dňa ich poskytnutia a v prípade uzatvorenia bankového obchodu, na dobu stanovenú v Zákone o bankách.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Žiadateľ,  ktorý začne čerpať medziúver po 1.1.2019 stráca nárok na štátnu prémiu na všetkých zmluvách stavebného sporenia uzatvorených v ktorejkoľvek stavebnej sporiteľni.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Žiadateľ bol na účely dofinancovania úveru z ČSOB SP úverom z Československej obchodnej banky, a. s. oboznámený so spracovaním a poskytnutím svojich osobných údajov a súhlasí s poskytnutím údajov o bankovom tajomstve v ČSOB SP pre Československú obchodnú banku, a. s. a súčasne so spracovaním a poskytnutím svojich osobných údajov a údajov o bankovom tajomstve v Československej obchodnej banke, a. s. pre ČSOB SP.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Žiadateľ vyhlasuje, že všetky uvedené údaje a informácie sú pravdivé a aktuálne a že bol informovaný o svojich právach dotknutej osoby v zmysle Nariadenia EP a Rady (EÚ) 2016/679 o ochrane fyzických osôb pri spracúvaní osobných údajov a o voľnom pohybe takýchto údajov, ktorým sa zrušuje smernica 95/46/ES (všeobecné nariadenie o ochrane údajov)- GDPR, v prípade spracúvania osobných údajov v krajinách, ktoré neuplatňujú právo EÚ i podľa § 59 a nasled. zák. č. 18/2018 Z. z. ochrane osobných údajov. Viac informácií o zásadách spracúvania osobných údajov sa nachádza na www.csob.sk/pravne-informacie#memorandum-ochrany-osobnych-udajov, alebo v priestoroch pobočiek ČSOB.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Žiadateľ berie na vedomie, že v prípade zamietnutia alebo odvolania úveru od Československej obchodnej banky, a. s., ktorý mal byť dofinancovaný úverom od ČSOB SP  bude táto žiadosť o takýto úver považovaná za bezpredmetnú.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Vyhlasujem, že nebol voči mne za posledných  5 rokov podaný návrh  na vyhlásenie konkurzu, alebo vyhlásený konkurz alebo zamietnutý konkurz pre nedostatok  majetku, ani nebolo začaté konkurzné alebo reštrukturalizačné konanie, alebo  akékoľvek  súdne konanie, vrátane exekučného, nie som v likvidácii, nemám nedoplatky voči daňovým úradom, colným úradom, Sociálnej poisťovni a iným subjektom.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Súhlas s vykonaním zmien vrámci spracovania úveru so zmluvou o stavebnom sporení POHODA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"X",null,"Súhlasím s vykonaním zmien a poverujem ČSOB SP na vykonanie nasledovných úkonov:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,"- stanovenie akceptovateľného príjmu, 0,00 €",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,"- úpravy cieľovej sumy, a jej zníženie na minimálnu akceptovateľnú cieľovú sumu (Eur): 1500,00 €",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,"- uviesť aktuálne splátky úverov,\n- vykonať prípadne iné zmeny súvisiace so žiadosťou o úver na Zmluve o stavebnom sporení a Žiadosti o úver na základe aktuálnych zistení o mojich príjmoch a úverovej angažovanosti tak, aby bolo možné automaticky pokračovať v posudzovaní úveru bez nutnosti spísania novej Zmluvy o stavebnom sporení a Žiadosti o úver. Uvedené oprávnenie má ČSOB SP na dobu maximálne 30 dní od podpisu tejto žiadosti.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"X",null,"ČSOB SP je v prípade zamietnutia alebo odvolania tejto žiadosti podanej stavebným sporiteľom oprávnená zmluvu o stavebnom sporení  č.  vypovedať v zmysle čl. 9 VOP. V prípade, ak po zmietnutí alebo odvolaní tejto žiadosti nedôjde k uhradeniu poplatku v  lehote v zmysle VOP sa táto skutočnosť považuje  za rozväzovaciu podmienku v zmysle § 36 Občianskeho zákonníka a zmluva po stavebnom sporení č.  zaniká posledný deň lehoty stanovenej na zaplatenie poplatku, ak ČSOB SP neurčí inak.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"Stavebný sporiteľ týmto žiada o zasielanie Výpisu z účtu:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(vypis=\"\",\"\",vypis)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AN29","v":false}]
[null,null,"na e-mail:",null,null,{"$f":"IF(ziadatel_email=\"\",\"\",ziadatel_email)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"vypis=\"e-mailom\"","v":false}]
[null,null,"(uviesť iba 1 e-mail, ďalej len adresa)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AN29","v":false}]
[null,null,"ČSOB SP poskytuje Výpis z účtu v elektronickej forme stavebnému sporiteľovi v lehote a za podmienok v zmysle platných VOP na Adresu a to k všetkým platným a účinným zmluvám o stavebnom sporení, ktorých je majiteľom a úverovým zmluvám, na ktorých stavebný sporiteľ figuruje ako hlavný dlžník, bez ohľadu na dátum uzatvorenia zmluvy.\nČSOB SP poskytuje Výpis z účtu vždy na poslednú e-mailovú adresu oznámenú stavebným sporiteľom v príslušnom tlačive ČSOB SP.\nVýpisy z účtu v elektronickej forme sú zasielané na Adresu vo formáte PDF skomprimované do Zip súboru a zabezpečené heslom.\nZa heslo sa považujú posledné 4 číslice rodného čísla a rok narodenia majiteľa účtu: ČČČČRRRR.\nStavebný sporiteľ zároveň podpisom tejto žiadosti súhlasí s tým, aby aj prípadné ďalšie informácie zo strany ČSOB SP týkajúce sa zmlúv o stavebnom sporení a úverových zmlúv, ku ktorým sa poskytuje Výpis z účtu v elektronickej forme, boli zasielané na Adresu.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AN29","v":false}]
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[null,null,"na adresu:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"vypis=\"poštou\"","v":false}]
[null,null,"(ďalej len adresa)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AN41","v":false}]
[null,null,"ČSOB SP poskytuje Výpis z účtu písomne poštou Stavebnému sporiteľovi v lehote a za podmienok v zmysle platných VOP na Adresu a to k všetkým platným a účinným zmluvám o stavebnom sporení, ktorých je majiteľom a úverovým zmluvám, na ktorých Stavebný sporiteľ figuruje ako hlavný dlžník bez ohľadu na dátum uzatvorenia zmluvy. Táto služba je spoplatnená v zmysle platného Sadzobníka poplatkov pre fyzické osoby – obyvateľov. Poplatok za poskytnutie informácie o zúčtovaní na účte k zmluve stavebného sporenia (ročne poštou) 3,50 € a poplatok za poskytnutie informácie o zúčtovaní na účte k zmluve o medziúvere alebo stavebnom úvere (ročne poštou) 2,50 € ku dňu podpísania tejto žiadosti. \nStavebný sporiteľ zároveň zmenou Adresy mení Korešpondenčnú adresu pre doručovanie písomností zasielaných zo strany ČSOB SP.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AN41","v":false}]
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[null,null,"Žiadateľ o úver (stavebný sporiteľ) prevzal:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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[null,null,null,null,"Osobne v listinnej podobe",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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[null,null,null,null,"Zaslaním elektronickou poštou na e-mail uvedený v časti údaje o stavebnom sporiteľovi.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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[null," a) Všeobecné obchodné podmienky pre stavebné sporenie (ďalej len „VOP“) a ich prílohu „Typy sporenia pre fyzické osoby - obyvateľov“,",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null," b) Sadzobník poplatkov pre fyzické osoby – obyvateľov,",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null," c) Informačný formulár pre vkladateľa",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Podpis žiadateľa o úver (stavebného sporiteľa)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(spoluziadatel_RC=\"\",\"\",\"_________________________________________________\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"DÁTUM A PODPIS\nŽIADATEĽA\n(stavebný sporiteľ) : ",null,null,null,null,null,null,null,null,{"$f":"ziadatel_meno & \" \" & ziadatel_priezvisko & IF(ziadatel_titul=\"\",\"\",\", \" & ziadatel_titul)","v":" "},null,null,null,null,null,null,null,null,null,{"$f":"IF(spoluziadatel_RC=\"\",\"\",\"DÁTUM A PODPIS\nSPOLUŽIADATEĽA:\")","v":""},null,null,null,null,null,null,null,null,{"$f":"spoluziadatel_meno & \" \" & spoluziadatel_priezvisko & IF(spoluziadatel_titul=\"\",\"\",\", \" & spoluziadatel_titul)","v":" "},null,null,null,null,null,null,null,null,true]
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[null,{"$f":"IF(pristupitel_RC=\"\",\"\",\"_________________________________________________\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_RC=\"\",\"\",\"_________________________________________________\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AN71","v":false}]
[null,null,{"$f":"IF(pristupitel_RC=\"\",\"\",\"DÁTUM A PODPIS\nPRISTUPITEĽA:\")","v":""},null,null,null,null,null,null,null,null,{"$f":"pristupitel_meno & \" \" & pristupitel_priezvisko & IF(pristupitel_titul=\"\",\"\",\", \" & pristupitel_titul)","v":" "},null,null,null,null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_RC=\"\",\"\",\"DÁTUM A PODPIS MANŽ.\nPART. PRISTUPITEĽA:\")","v":""},null,null,null,null,null,null,null,null,{"$f":"manz_pristupitela_meno & \" \" & manz_pristupitela_priezvisko & IF(manz_pristupitela_titul=\"\",\"\",\", \" & manz_pristupitela_titul)","v":" "},null,null,null,null,null,null,null,null,{"$f":"OR(C71<>\"\",V71<>\"\")","v":false}]
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[null,{"$f":"IF(OR(datum_ziadosti=\"\",ziadost_miesto=\"\"),\"\",TEXT(datum_ziadosti,\"dd.mm.yyyy\") & \", \" & ziadost_miesto)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"dátum, miesto",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PODPIS SPROSTREDKOVATEĽA, KTORÝ OVERIL ÚDAJE UVEDENÉ OPROTI ČÍSLAM DOKLADOV TOTOŽNOSTI V ŽIADOSTI, TOTOŽNOSTI A PODPISY VYŠETKÝCH ÚČASTNÍKOV ÚVEROVÉHO VZŤAHU RESP. SPLNOMOCNENÝCH OSÔB:\n",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,{"$f":"IF(spracovanie=list_EDS_spracovanie_komplet,\"Poradca: \" & EDS_meno_priezvisko_ks & \", provízne číslo: \" & EDS_prov_cislo_ks,\"Poradca: \" & FA_meno_priezvisko & \", provízne číslo: \" & FA_prov_cislo)","v":"Poradca: , provízne číslo: "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"ČSOB stavebná sporiteľňa, a.s.\nBratislava 1, PSČ 811 02, Žižkova 11; IČO: 35 799 200; DIČ: 2021544030; IČ pre DPH: SK7020000218 \nzapísaná v Obchodnom registri Okresného súdu Bratislava I. v odd. Sa, vložka č. 2590/B\ninfolinka: 0800 111 303,  fax:  02 5966 7920; www.csob.sk; csobsp@csobsp.sk",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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[null,"ZÁZNAM ZO STRETNUTIA"]
[null,"spísaný finančným agentom podľa zákona č. 186/2009 Z.z. o finančnom sprostredkovaní a finančnom poradenstve a o zmene a doplnení niektorých zákonov (ďalej len „zákon“)"]
[null,"KLIENT"]
[null,"Meno a priezvisko, titul",null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_ziadatel_titul_pred=\"\",\"\",RK_ziadatel_titul_pred & \" \" ) & IF(RK_ziadatel_meno=\"\",\"\",RK_ziadatel_meno & \" \" ) & IF(RK_ziadatel_priezvisko=\"\",\"\",RK_ziadatel_priezvisko) & IF(RK_ziadatel_titul_za=\"\",\"\",\", \" & RK_ziadatel_titul_za),IF(ziadatel_meno=\"\",\"\",ziadatel_meno & \" \" ) & IF(ziadatel_priezvisko=\"\",\"\",ziadatel_priezvisko) & IF(ziadatel_titul=\"\",\"\",\", \" & ziadatel_titul))","v":""}]
[null,"Rodné číslo",null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_ziadatel_rc=\"\",\"\",RK_ziadatel_rc),IF(ziadatel_RC=\"\",\"\",ziadatel_RC))","v":""}]
[null,"Telefón",null,null,null,null,null,null,null,null,null,null,"Mobil",{"$f":"IF(p_REKO,IF(RK_ziadatel_tel=\"\",\"\",RK_ziadatel_tel),IF(ziadatel_telefon=\"\",\"\",ziadatel_telefon))","v":""}]
[null,"Adresa trvalého pobytu",null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_ziadatel_ulica=\"\",\"\",RK_ziadatel_ulica & \", \" & RK_ziadatel_mesto & \" \" & TEXT(RK_ziadatel_PSC,\"00000\")),IF(ziadatel_ulica=\"\",\"\",ziadatel_ulica & \", \" & ziadatel_mesto & \" \" & ziadatel_PSC))","v":""}]
[null,"E-mail",null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_ziadatel_mail=\"\",\"\",RK_ziadatel_mail),IF(ziadatel_email=\"\",\"\",ziadatel_email))","v":""}]
[null,"FINANČNÝ AGENT (sprostredkovateľ finančnej služby)"]
[null,"Názov",null,null,null,null,null,"Československá obchodná banka, a.s."]
[null,"Miesto podnikania",null,null,null,null,null,"Žižkova 11, 81102  Bratislava"]
[null,"Registrácia v registri NBS pod č.:",null,null,null,null,null,131420]
[null,"Registračné číslo agenta vo finančnej inštitúcií:",null,null,null,null,null,{"$f":"IF(p_REKO,KP_provcis,FA_prov_cislo)","v":""}]
[null,"POŽIADAVKY A POTREBY KLIENTA"]
[null,null,null,null,null,null,null,"Predbežná výška požadovaného úveru"]
[null,null,null,null,null,null,null,"Očakávaná dĺžka splácania úveru",null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,"Očakávaná výška mesačnej splátky",null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,"Účel úveru"]
[null,null,null,null,null,null,null,"Očakávaná dĺžka sporenia",null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,"Očakávaná výška mesačnej/jednorázovej platby",null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,"Ostatné požiadavky"]
[null,"SKÚSENOSTI A ZNALOSTI KLIENTA"]
[null,"Aké finančné sporiace a investičné produkty využívate v súčasnosti alebo ste využívali v minulosti?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,false,false]
[null,"Aké finančné úverové produkty využívate v súčasnosti alebo ste využívali v minulosti?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,false,false]
[null,"Ste, resp. boli ste klientom stavebnej sporiteľne?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,"Klientove znalosti o produkte stavebného sporenia",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,false]
[null,"Klientove znalosti s úverom zo stavebnej sporiteľne",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,false]
[null,"FINANČNÉ UKAZOVATELE KLIENTA"]
[null,"Aká je výška priemerného čistého mesačného príjmu Vašej domácnosti?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,false]
[null,"Aká je výška priemerných mesačných výdavkov Vašej domácnosti?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,"Aké zmeny Vášho bývania plánujete v období\npribližne 5 rokov?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,"KVALITA ŽIVOTA A BUDÚCNOSTI"]
[null,"Ako máte zabezpečenú svoju osobu a svoju \nrodinu?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,false]
[null,"Ako si vytvárate finančnú rezervu\ndo budúcnosti?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,false]
[null,"Využívate štátne prémie a daňové výhody?",null,null,null,null,null,null,null,null,null,null,null,"Na koľko členov rodiny",null,null,null,null,null,null,null,false,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"str. 1/2"]
[]
[null,"ZÁZNAM ZO STRETNUTIA"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,"Podľa zistenia potrieb a požiadaviek finančný agent odporučil nasledovnú finančnú službu a klient súhlasil:"]
[null,"Názov finančnej služby",null,null,null,"Typ sporenia",null,null,null,"Číslo zmluvy/návrhu",null,null,"Cieľová suma/Výška úveru",null,null,"Dĺžka zmluvy*"]
[null,"úver",null,null,null,{"$f":"IF(p_REKO,\"REKO úver\",\"HypoEXTRA\")","v":"REKO úver"},null,null,null,{"$f":"IF(p_REKO,IF(RK_cislo_zmluvy=\"\",\"\",RK_cislo_zmluvy),cislo_ziadosti)","v":""},null,null,{"$f":"IF(p_REKO,RK_ziadost_vyska_uveru,vyska_uveru)","v":0},null,null,{"$f":"IF(p_REKO,RK_ziadost_splatnost,doba_splatnosti)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"Poznámka: "]
[null,"* Dĺžka splatnosti úveru, dĺžka sporenia"]
[]
[null,"Posúdenie vhodnosti produktu:"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[]
[null,"Spoločnosť neudelila finančnému agentovi oprávnenie preberať akúkoľvek finančnú hotovosť od klienta, vyberať vklady a prijímať finančné plnenie za poskytnuté finančné sprostredkovanie."]
[]
[null,"Oprávnenie poskytovať finančné sprostredkovanie:\nFinančný agent vykonáva finančné sprostredkovanie v zmysle zákona, a to na základe písomnej zmluvy s ČSOB stavebnou sporiteľňou, a.s., Žižkova 11, 811 02 Bratislava, IČO: 35 799 200 zapísanou v Obchodnom registri Okresného súdu Bratislava I, oddiel: Sa, vložka číslo: 2590/B (ďalej len „Spoločnosť“) ako finančnou inštitúciou, pričom táto zmluva má výhradnú povahu. Finančný agent, ktorý s klientom spisuje tento záznam, musí byť v registri Národnej banky Slovenska zapísaný tak v podregistri prijímania vkladov, ako aj v podregistri poskytovania úverov, úverov na bývanie a spotrebiteľských úverov, pričom v oboch prípadoch ide o zoznam viazaných finančných agentov. Zápis v jednotlivých podregistroch ako aj registračné číslo finančného agenta je možné overiť na internetovej stránke Národnej banky Slovenska www.nbs.sk v časti dohľad nad finančným trhom."]
[]
[null,"Informácia o spôsobe ochrany v prípade zlyhania finančnej inštitúcie: \nČinnosť Spoločnosti  je vykonávaná pod dohľadom Národnej banky Slovenska. Produkty Spoločnosti vo forme vkladov sú chránené prostredníctvom Fondu ochrany vkladov, ktorý bol zriadený zákonom NR SR č. 118/1996 Z.z. o ochrane vkladov a o zmene a doplnení niektorých zákonov v znení neskorších predpisov. Záväzky dlžníka voči veriteľovi môžu byť postúpené inej úverovej inštitúcii alebo inému postupníkovi, voči ktorému bude dlžník povinný naďalej plniť svoje záväzky zo zmluvy, pričom postupca je povinný dlžníkovi túto zmenu oznámiť písomne."]
[]
[null,"Právne následky uzatvorenia zmluvy o poskytnutí finančnej služby: \nPrávnym následkom uzatvorenia zmluvy o finančnej službe je predovšetkým vznik práv a povinností klienta aj finančnej inštitúcie, vyplývajúcich so zmluvy o stavebnom sporení / úverovej zmluvy a všeobecných obchodných podmienok. Zmluva o finančnej službe je záväzok oboch zmluvných strán respektíve právo na dohodnuté finančné plnenie na dohodnutú dobu. Porušenie povinností vyplývajúcich pre Klienta zo zmluvy o finančnej služby je spojené so sankciami uvedenými v predmetnej zmluve o finančnej službe, a k nej príslušných obchodných podmienkach. "]
[]
[null,"Kvalifikované účasti: \nFinančný agent nemá žiadny podiel na základnom imaní ani na hlasovacích právach Spoločnosti. Spoločnosť, ani osoba ovládajúca Spoločnosť nemá žiadny podiel na základnom imaní finančného agenta ani na hlasovacích právach finančného agenta."]
[]
[null,"Odmena za finančné sprostredkovanie: \nFinančný agent prijíma za finančné sprostredkovanie vo vzťahu k uzatváranej zmluve o finančnej službe peňažné alebo nepeňažné plnenie od Spoločnosti v súlade s platnými províznymi poriadkami Spoločnosti, pričom v prípade, že klient požaduje byť informovaný aj o výške odmeny je finančný agent povinný mu ju oznámiť. Nepeňažné plnenie súvisí s možnými súťažami alebo bonusmi podľa dohodnutých podmienok medzi Spoločnosťou a finančným agentom."]
[]
[null,"Vyhlásenie Finančného agenta: \nV súvislosti s vykonávaním finančného sprostredkovania neposkytol klientovi žiadne finančné výhody alebo výhody hmotnej alebo nehmotnej povahy, ani neprijal od klienta akékoľvek peňažné alebo nepeňažné plnenie."]
[]
[null,"Postup pri podávaní sťažností: \nPrípadné sťažnosti je možné podať:\na) písomne na adresu: Kontaktné centrum ČSOB, Žižkova 11, 811 02 Bratislava\nb) e-mailom na adresu: csobsp@csob.sk prostredníctvom kontaktného formulára zverejneného na internetovej stránke Spoločnosti www.csob.sk\nc) príslušnému orgánu dohľadu, ktorým je Národná banka Slovenska, Imricha Karvaša 1, 813 25 Bratislava, SR.\nPodaním sťažnosti, podľa vyššie uvedeného, nie je dotknuté právo klienta riešiť prípadné spory vyplývajúce z finančného sprostredkovania formou mimosúdneho vyrovnania (napr. podľa zákona č. 420/2004 Z.z. o mediácii a o doplnení niektorých zákonov v platnom znení) alebo prostredníctvom súdneho konania v súlade s príslušnými osobitnými právnymi predpismi.\nReklamačný poriadok je k dispozícii na stránke www.csob.sk."]
[]
[null,"Vyhlásenie klienta:\nVyhlasujem, že mi bola, v súlade s ustanovením § 35 ods. 1 až 3 zákona, jasnou a zrozumiteľnou formou prezentovaná obchodná ponuka Spoločnosti, na základe ktorej som si vybral vyššie uvedenú finančnú službu a to slobodne a bez nátlaku. Som si vedomý právnych následkov uzatvorenia zmluvy o poskytnutí finančnej služby a o spôsoboch a systéme ochrany pred zlyhaním finančnej inštitúcie. Taktiež vyhlasujem, že som informovaný o poplatkoch a iných nákladoch súvisiacich s finančnou službou, pričom finančný agent mi odovzdal informácie o poplatkoch a ostatných nákladoch v písomnej forme. "]
[]
[null,"Vyhlasujem, že nemám žiadne pochybnosti a ani nejasnosti o finančnej službe, ktorá mi je sprostredkovaná a že mi boli poskytnuté všetky informácie podľa § 33 zákona a že všetky informácie, potrebné pre rozhodnutie, som dostal v dostatočnom časovom predstihu pred uzatvorením zmluvy."]
[]
[null,"Beriem na vedomie, že finančný agent je v súlade s ustanovením § 31 zákona oprávnený získavať od klienta osobné údaje a iné informácie od klienta a od zástupcu klienta."]
[]
[null,"Spracovanie osobných údajov za účelom finančného sprostredkovania vykonáva finančný agent v súlade so zákonom č. 186/2009 Z.z. o finančnom sprostredkovaní a finančnom poradenstve a o zmene a doplnení niektorých zákonov, Nariadením EP a Rady (EÚ) 2016/679 o ochrane fyzických osôb pri spracúvaní osobných údajov a o voľnom pohybe takýchto údajov, ktorým sa zrušuje smernica 95/46/ES (všeobecné nariadenie o ochrane údajov)- GDPR, v prípade spracúvania osobných údajov v krajinách, ktoré neuplatňujú právo EÚ i podľa zák. č. 18/2018 Z. z. o ochrane osobných údajov. Viac informácií o zásadách spracúvania osobných údajov sa nachádza na www.csob.sk/pravne-informacie#memorandum-ochrany-osobnych-udajov, alebo v priestoroch pobočiek ČSOB."]
[]
[null,"Svojim podpisom potvrdzujem, že všetky mnou uvedené údaje sú pravdivé, úplné, pravé a správne. Na znak súhlasu s uvedenými údajmi a vyhláseniami na oboch stranách záznamu zo stretnutia predmetný záznam zo stretnutia podpisujem."]
[]
[]
[null,null,{"$f":"IF(p_REKO,IF(RK_miesto=\"\",\"\",RK_miesto & \", dňa \" & TEXT(RK_ziadost_datum,\"d.m.yyyy\")),IF(ziadost_miesto=\"\",\"\",\"V \" & ziadost_miesto & \", dňa \" & TEXT(datum_ziadosti,\"d.m.yyyy\")))","v":""}]
[null,null,"miesto, dátum"]
[]
[null,null,"podpis žiadateľa o úver",null,null,null,null,null,null,null,null,"podpis finančného agenta"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"str. 2/2"]

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[]
[]
[]
[null,null,null,null,null,null,null,"Záznam o sprostredkovaní poistenia"]
[]
[]
[null,"spísaný finančným agentom podľa  zákona č. 186/2009 Z. z. o finančnom sprostredkovaní\n  a finančnom poradenstve  a o zmene a doplnení niektorých zákonov v platnom znení\n(ďalej len \"zákon o finančnom sprostredkovaní a finančnom poradenstve\")"]
[]
[null,"VIAZANÝ FINANČNÝ AGENT( ďalej len \"VFA\" )"]
[null,"ČSOB Stavebná sporiteľňa, a.s., zapísaná v\nobchodnom registri Okresného súdu Bratislava I, oddiel:\nSa, číslo vložky:2590/B",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Sídlo:\nŽižkova 11, 811 02 Bratislava, Slovenská\nrepublika, IČO: 35 799 200"]
[null,"Registrovaný/Povolenie:\nVFA je zapísaný v Zozname registra vedeného Národnou bankou Slovenska (ďalej len \"NBS\") pod č. 218610.\nRegister vedie NBS alebo ňou poverená osoba. Informácie sú zverejnené na internetovej stránke www.nbs.sk."]
[null,"Identifikačné číslo v ČSOB Poisťovni, a.s.: 900 10504"]
[]
[null,"VFA vykonáva finančné sprostredkovanie na základe písomnej zmluvy s ČSOB Poisťovňou, a.s., so sídlom  Žižkova 11, 811 02 Bratislava, Slovenská republika, IČO: 31325416 (ďalej len „ČSOB Poisťovňa, a. s.“), pričom táto zmluva má výhradnú povahu."]
[null,"VFA nemá kvalifikovanú účasť na základnom imaní alebo hlasovacích právach v ČSOB Poisťovni, a.s. ČSOB Poisťovňa, a.s., ani osoba ovládajúca poisťovňu, nemá žiadny podiel na základnom imaní alebo hlasovacích právach vo VFA."]
[null,"Sťažnosti možno podať na akomkoľvek priamom alebo nepriamom kontaktnom mieste ČSOB Poisťovne, a.s. (napr. osobne na pobočke, písomne poštou na adresu ČSOB Poisťovne, a.s., telefonicky, emailom alebo vyplnením kontaktného formulára na internetovej stránke ČSOB Poisťovne, a.s.). Sťažovateľ má možnosť obrátiť sa so svojou sťažnosťou aj na orgán vykonávajúci dohľad nad finančným trhom, ktorým je Národná banka Slovenska. ČSOB Poisťovňa, a.s. je povinná sťažnosť prešetriť a informovať sťažovateľa o spôsobe vybavenia sťažnosti do 30 dní odo dňa jej doručenia. V odôvodnených prípadoch je možné lehotu podľa predchádzajúcej vety predĺžiť o ďalších 30 dní, o čom bude sťažovateľ informovaný. Podaním sťažnosti podľa vyššie uvedeného nie je dotknuté právo klienta riešiť prípadné spory vyplývajúce zo sprostredkovania poistenia formou mimosúdneho vyrovnania (napr. podľa zákona č.244/2002 Z. z. o rozhodcovskom konaní v znení zákona č. 521/2005 Z. z., zákona č. 420/2004 Z. z. o mediácii a o doplnení niektorých zákonov) alebo prostredníctvom súdneho konania v súlade s príslušnými osobitnými právnymi predpismi."]
[null,"Národná banka Slovenska vykonáva pravidelne kvalifikovaný dohľad nad technickými rezervami ČSOB Poisťovne, a.s. a jej zaistením, pretože neexistuje systém ochrany vkladov ani iný systém náhrad pre investorov."]
[null,"Právnym následkom uzatvorenia poistnej zmluvy je vznik práv a povinnosti uvedených v poistnej zmluve a poistných podmienkach, najmä vzniká právo poisteného na poistné plnenie, ak nastane poistná udalosť označená v poistnej zmluve a povinnosť poistníka platiť poistné."]
[]
[null,"POISTNÍK"]
[null,"ČSOB Stavebná sporiteľňa, a.s., zapísaná v obchodnom registri Okresného súdu Bratislava I, oddiel: Sa,\nčíslo vložky: 2590/B\nSídlo: Žižkova 11, 811 02 Bratislava, Slovenská republika, IČO: 35 799 200\n"]
[]
[]
[]
[null,"KLIENT - POISTENÝ"]
[null,"Meno, priezvisko, titul",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rodné číslo"]
[null,{"$f":"IF(p_REKO,IF(RK_ziadatel_meno=\"\",\"\",TRIM(RK_ziadatel_titul_pred & \" \" & RK_ziadatel_meno & \" \" & RK_ziadatel_priezvisko & \" \" & RK_ziadatel_titul_za)),ziadatel_meno & \" \" & ziadatel_priezvisko & \", \" & ziadatel_titul)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_ziadatel_rc=\"\",\"\",RK_ziadatel_rc),IF(ziadatel_RC=\"\",\"\",ziadatel_RC))","v":""}]
[]
[null,"Požiadavky klienta na životné poistenie"]
[null,"Požadovaná výška poistného krytia",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Poistná suma"]
[null,null,null,"Variant A)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ZoS_variant_A,IF(p_REKO,RK_ziadost_vyska_uveru,vyska_uveru),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,"EUR"]
[null,"poistenie pre prípad smrti, invalidity následkom úrazu alebo choroby, pracovnej neschopnosti poisteného (dlžníka)1"]
[null,null,null,"Variant B)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ZoS_variant_B,IF(p_REKO,RK_ziadost_vyska_uveru,vyska_uveru),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,"EUR"]
[null,"poistenie pre prípad smrti, invalidity následkom úrazu alebo choroby, pracovnej neschopnosti a straty zamestnania poisteného (dlžníka)2"]
[]
[null,"Iné výslovné požiadavky a potreby klienta súvisiace s dojednávaným poistením"]
[]
[]
[null,"Klientove skúsenosti s príslušným poistením:"]
[]
[null,null,null,"nemá skúsenosti",null,null,null,null,null,null,null,null,null,null,null,null,null,"má skúsenosti (klientove poznámky)"]
[]
[null,"Klientove znalosti o príslušnom poistení:"]
[]
[null,null,null,"má postačujúce znalosti",null,null,null,null,null,null,null,null,null,null,null,null,null,"nemá znalosti",null,null,null,null,null,null,null,null,null,null,"nevie posúdiť"]
[]
[null,"Klientova finančná situácia s ohľadom na povahu poistenia, ktoré je predmetom sprostredkovania:"]
[]
[null,"Mesačný príjem domácnosti:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"EUR"]
[null,"Mesačné výdavky domácnosti:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"EUR"]
[null,"Akceptované navýšenie výdavkov na poistenie:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"EUR"]
[]
[null,null,null,"Klient príjem a výdavky neuvádza, ale prehlasuje, že jeho finančná situácia zodpovedá požadovaným poisteniam, ktoré sú predmetom sprostredkovania."]
[]
[]
[null,null,null,"Klient odmieta poskytnúť údaje o svojich požiadavkách, potrebách, skúsenostiach, znalostiach a o svojej finančnej situácii a trvá na uzatvorení poistnej zmluvy."]
[]
[]
[null,"Posúdenie vhodnosti produktu:"]
[null,null,null,"nižšie uvedený produkt je pre klienta vhodný"]
[null,null,null,"nižšie uvedený produkt je pre klienta nevhodný. Klient napriek tomu požaduje uzatvorenie poistnej zmluvy."]
[]
[null,"1 pre poistenie pracovnej neschopnosti poisteného je poistná suma špecifikovaná v poistných podmienkach"]
[null,"2 pre poistenie straty zamestnania poisteného je poistná suma špecifikovaná v poistných podmienkach"]
[]
[]
[]
[null,"Podľa zistenia potrieb a požiadaviek klienta mu zamestnanec VFA odporučil nasledovný poistný produkt, pričom klient súhlasí s výberom odporučeného produktu:"]
[null,"Názov produktu:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Výška poistného a frekvencia platenia:"]
[null,"Poistenie dlžníkov z úveru",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"TEXT(IF(p_REKO,RK_poistne_MU,poistne_MU),\"0,00 €\") &\" / mesačne\"","v":{"$error":"#N/A"}}]
[]
[null,"VFA / zamestnanec VFA vyhlasuje, že:"]
[null,"­ s vykonávaním finančného sprostredkovania neposkytol klientovi žiadne finančné výhody alebo výhody hmotnej alebo nehmotnej povahy, ani neprijal od klienta akékoľvek peňažné alebo nepeňažné plnenie,"]
[null,"­ sprostredkovanie vo vzťahu k uzatváranej poistnej zmluve prijíma finančnú odmenu stanovenú ako % hodnotu z prijatého poistného počas doby trvania poistenia, pričom % výška odmeny sa v jednotlivých rokoch môže líšiť. V odôvodnených prípadoch môže byť VFA zahrnutý aj do súťaží, ktoré ČSOB Poisťovňa, a. s. pre VFA organizuje a odmenený môže byť aj nefinančným spôsobom. Pri zániku poistenia má VFA nárok na pomernú časť provízie za dobu od začiatku poistenia do jeho zániku."]
[null,"Na základe požiadavky klienta musí byť klient jednoznačne, vyčerpávajúcim, presným a zrozumiteľným spôsobom informovaný aj o výške odmeny za finančné sprostredkovanie vo vzťahu k uzatváranej zmluve."]
[]
[null,"Klient vyhlasuje, že:"]
[null,"­ mu bola v súlade s ustanoveniami zákona o finančnom sprostredkovaní a finančnom poradenstve jasnou a zrozumiteľnou formou prezentovaná obchodná ponuka ČSOB Poisťovne, a.s., na základe ktorej si vybral vyššie uvedený poistný produkt slobodne a bez nátlaku,"]
[null,"­ bol oboznámený a súhlasí s poistnými podmienkami a výškou poistného pre tento poistný produkt, čo potvrdzuje svojím podpisom,"]
[null,"­ dostal a prevzal všetky informácie uvedené v zákone o finančnom sprostredkovaní a finančnom poradenstve,"]
[null,"­ bol v zmysle zákona o finančnom sprostredkovaní a finančnom poradenstve informovaný o existencii a povahe odmeny, ktorú prijíma VFA za finančné sprostredkovanie vo vzťahu k uzatváranej poistnej zmluve,"]
[null,"­ bol informovaný o tom, že iné ako bežné platby za finančnú službu sa neuplatňujú v súvislosti so sprostredkovaním poistenia. Poplatky súvisiace s poistením sú uvedené v poistnej zmluve a vo všeobecných poistných podmienkach."]
[]
[]
[null,"Dátum vyhotovenia \nzáznamu:",null,null,null,null,null,null,null,"Vlastnoručný podpis poisteného",null,null,null,null,null,null,null,"Meno, priezvisko a osobné číslo zamestnanca VFA",null,null,null,null,null,null,null,null,null,"Vlastnoručný podpis zamestnanca VFA"]
[]
[null,{"$f":"NOW()","v":43885.543904976854},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_ziadost_spracovanie=list_EDS_spracovanie_KP,KP_meno & \" \" & KP_priezvisko,IF(RK_ziadost_spracovanie=list_EDS_spracovanie_tiper,KP_meno & \" \" & KP_priezvisko,IF(RK_ziadost_spracovanie=list_EDS_spracovanie_komplet,RK_FA_meno & \" \" & RK_FA_priezvisko,\"\"))),IF(spracovanie=list_EDS_spracovanie_KP,FA_meno_priezvisko,IF(spracovanie=list_EDS_spracovanie_tiper,FA_meno_priezvisko,IF(spracovanie=list_EDS_spracovanie_komplet,EDS_meno_priezvisko_ks,\"\"))))","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(spracovanie=list_EDS_spracovanie_KP,\"Provízne číslo pobočky: \" & KP_provcis,IF(spracovanie=list_EDS_spracovanie_tiper,\"Provízne číslo pobočky: \" & KP_provcis,IF(spracovanie=list_EDS_spracovanie_komplet,\"Provízne číslo spoločnosti v ČSOB SP: \" & RK_FA_provcis,\"\"))),IF(spracovanie=list_EDS_spracovanie_KP,\"Provízne číslo pobočky: \" & FA_prov_cislo,IF(spracovanie=list_EDS_spracovanie_tiper,\"Provízne číslo pobočky: \" & FA_prov_cislo,IF(spracovanie=list_EDS_spracovanie_komplet,\"Provízne číslo spoločnosti v ČSOB SP: \" & EDS_prov_cislo_ks,\"\"))))","v":""}]

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["Potvrdenie o odovzdaní produktov ČSOB Stavebnej sporiteľne"]
[]
[]
[]
[]
[]
[null,"Základné údaje o obchodnom zástupcovi"]
[]
[null,"Obchodný zástupca (názov spoločnosti)",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_FA_nazov_spol=\"\",\"\",RK_FA_nazov_spol),IF(EDS_spolocnost_ks=\"\",\"\",EDS_spolocnost_ks))","v":""}]
[null,"Meno agenta",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_FA_priezvisko=\"\",\"\",RK_FA_meno & \" \" & RK_FA_priezvisko),IF(EDS_meno_priezvisko_ks=\"\",\"\",EDS_meno_priezvisko_ks))","v":""}]
[null,"Provízne číslo",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_FA_provcis=\"\",\"\",RK_FA_provcis),IF(EDS_prov_cislo_ks=\"\",\"\",EDS_prov_cislo_ks))","v":""}]
[]
[null,"Kompletné spracovanie (S)",null,null,null,null,null,null,null,null,null,null,"áno"]
[]
[null,"Základné údaje o klientovi"]
[]
[null,{"$f":"IF(p_REKO,\"Číslo zmluvy stavebného sporenia\",\"Číslo žiadosti z MA:\")","v":"Číslo zmluvy stavebného sporenia"},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_cislo_zmluvy=\"\",\"\",RK_cislo_zmluvy),IF(cislo_ziadosti=\"\",\"\",cislo_ziadosti))","v":""}]
[]
[null,"Meno klienta",null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_ziadatel_meno=\"\",\"\",RK_ziadatel_meno & \" \" ) & IF(RK_ziadatel_priezvisko=\"\",\"\",RK_ziadatel_priezvisko),IF(OR(ziadatel_meno=\"\",ziadatel_priezvisko=\"\"),\"\",ziadatel_meno & \" \" & ziadatel_priezvisko & IF(ziadatel_titul=\"\",\"\",\", \" & ziadatel_titul)))","v":""}]
[null,"Dátum narodenia",null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_ziadatel_rc=\"\",\"\",RCtoDATUM(RK_ziadatel_rc)),IF(ziadatel_RC=\"\",\"\",RCtoDATUM(ziadatel_RC)))","v":""}]
[null,"Výška úveru",null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_ziadost_vyska_uveru=\"\",\"\",RK_ziadost_vyska_uveru),IF(vyska_uveru=\"\",\"\",vyska_uveru))","v":""}]
[null,"Typ úveru",null,null,null,null,null,{"$f":"IF(p_REKO,\"REKO úver\",IF(typ_uveru=\"\",\"\",typ_uveru))","v":"REKO úver"}]
[null,"Poznámka"]
[]
[]
[null,"Obchodný zástupca svojim podpisom potvrdzuje správnosť zadaných údajov."]
[]
[null,"Dátum a čas prevzatia",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Meno a priezvisko pracovníka banky / 1.podpisujúceho UZ"]
[null,"Miesto prevzatia"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Osobné číslo "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pobočka/číslo, adresa"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Provízne číslo pobočky",null,null,null,null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(potvrdenie_pobocka,pobocky_banka,2,FALSE),\"\")","v":""}]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,"Podpis Agenta",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Podpis pracovníka banky"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Meno a priezvisko 2.podpisujúceho UZ"]

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[]
[]
[]
[]
[null,null,null,null,null,null,null,"DIVÍZIA EXTERNÝCH PARTNEROV"]
[]
[]
[]
[]
[null,null,"Odovzdávací protokol produktov ČSOB Stavebnej sporiteľne"]
[]
[]
[]
[null,null,null,"Obchodný zástupca (názov maklérskej spoločnosti)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_FA_nazov_spol=\"\",\"\",RK_FA_nazov_spol),IF(EDS_spolocnost=\"\",\"\",EDS_spolocnost))","v":""}]
[]
[null,null,null,"Meno predajcu",null,null,null,null,{"$f":"IF(p_REKO,IF(RK_FA_priezvisko=\"\",\"\",RK_FA_meno & \" \" & RK_FA_priezvisko),IF(EDS_meno_priezvisko=\"\",\"\",EDS_meno_priezvisko))","v":""}]
[]
[]
[]
[null,null,null,"Provízne číslo (maklérskej spoločnosti)",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_FA_provcis=\"\",\"\",RK_FA_provcis),IF(EDS_prov_cislo=\"\",\"\",EDS_prov_cislo))","v":""}]
[null,null,null,"Ident. číslo agenta v rámci EDS spoločnosti",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_FA_id_agent=\"\",\"\",RK_FA_id_agent),IF(EDS_cislo_fa=\"\",\"\",EDS_cislo_fa))","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_cislo_zmluvy=\"\",\"\",RK_cislo_zmluvy),IF(cislo_ziadosti=\"\",\"\",cislo_ziadosti))","v":""}]
[null,null,null,"X","Akvizícia - stavebný úver (medziúver)",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,\"Číslo zmluvy stavebného sporenia\",\"Číslo žiadosti z MA:\")","v":"Číslo zmluvy stavebného sporenia"}]
[]
[]
[]
[null,null,null,"Meno klienta",null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_ziadatel_meno=\"\",\"\",RK_ziadatel_meno & \" \" ) & IF(RK_ziadatel_priezvisko=\"\",\"\",RK_ziadatel_priezvisko),IF(OR(ziadatel_priezvisko=\"\",ziadatel_meno=\"\"),\"\",ziadatel_meno&\" \"&ziadatel_priezvisko))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"Dátum narodenia",null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_ziadatel_rc=\"\",\"\",RCtoDATUM(RK_ziadatel_rc)),IF(ziadatel_RC=\"\",\"\",RCtoDATUM(ziadatel_RC)))","v":""}]
[]
[null,null,null,"Výška úveru",null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_ziadost_vyska_uveru=\"\",\"\",RK_ziadost_vyska_uveru),IF(vyska_uveru=\"\",\"\",vyska_uveru))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"Podpis klienta"]
[]
[null,null,"Týmto poskytujem svoje osobné údaje a ďalšie, tvoriace predmet bankového tajomstva v zmysle § 91 zákona č. 483/2001 Z. z. o bankách v platnom znení, na účely vykonania obchodu uvedeného v tomto dokumente vrátane úkonov potrebných na riadne spracovanie a vykonanie tohto obchodu ČSOB stavebnou sporiteľňou, a.s. (ďalej len „zastúpený“), ako aj obchodným zástupcom uvedeným v tomto doklade, a to v súlade s Nariadením EP a Rady (EÚ) 2016/679 o ochrane fyzických osôb pri spracúvaní osobných údajov a o voľnom pohybe takýchto údajov, ktorým sa zrušuje smernica 95/46/ES (všeobecné nariadenie o ochrane údajov)- GDPR, v prípade spracovateľských operácií, na ktoré sa neuplatňuje právo EÚ i podľa zák. č. 18/2018 Z. z. o ochrane osobných údajov. \nČSOB Stavebná sporiteľňa týmto informuje Klienta, že zásady spracúvania osobných údajov v zmysle Nariadenia európskeho parlamentu a rady (EÚ) 2016/679 o ochrane fyzických osôb pri spracúvaní osobných údajov a o voľnom pohybe takýchto údajov sú upravené v Memorande osobných údajov ČSOB Finančnej skupiny (ďalej ako Memorandum) a sú poskytnuté Klientovi formou zverejnenia v pobočke alebo na www.csob.sk/pravne-informacie#memorandum-ochrany-osobnych-udajov."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,"Odovzdávajúci",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Preberajúci - ČSOB Banka"]
[]
[null,null,null,"Meno a priezvisko",null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_FA_priezvisko=\"\",\"\",RK_FA_meno & \" \" & RK_FA_priezvisko),IF(EDS_meno_priezvisko=\"\",\"\",EDS_meno_priezvisko))","v":""},null,null,null,null,null,null,null,null,null,"Meno a priezvisko",null,null,null,null,null,{"$f":"IF(p_REKO,IF(KP_priezvisko=\"\",\"\",KP_meno & \" \" & KP_priezvisko),IF(FA_meno_priezvisko=\"\",\"\",FA_meno_priezvisko))","v":""}]
[]
[null,null,null,"Provízne č. v ČSOB St. sp.",null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_FA_provcis=\"\",\"\",RK_FA_provcis),IF(EDS_prov_cislo=\"\",\"\",EDS_prov_cislo))","v":""},null,null,null,null,null,null,null,null,null,"Porad. Miesto",null,null,null,null,null,"ČSOB Banka"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Provízne číslo",null,null,null,null,null,{"$f":"IF(p_REKO,IF(KP_provcis=\"\",\"\",KP_provcis),IF(FA_prov_cislo=\"\",\"\",FA_prov_cislo))","v":""}]
[]
[null,null,null,null,null,null,null,null,"V",null,null,{"$f":"IF(p_REKO,IF(RK_miesto=\"\",\"\",RK_miesto),IF(ziadost_miesto=\"\",\"\",ziadost_miesto))","v":""},null,null,null,null,null,null,null,null,null,null,null,"Dňa",null,null,null,{"$f":"IF(p_REKO,IF(RK_ziadost_datum=\"\",\"\",TEXT(RK_ziadost_datum,\"dd.mm.yyyy\")),IF(datum_ziadosti=\"\",\"\",TEXT(datum_ziadosti,\"dd.mm.yyyy\")))","v":"24.02.2020"}]
[]
[null,null,null,null,null,null,null,null,"Podpis",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Podpis"]
[]
[]
[null,null,"ČSOB stavebná sporiteľňa, a.s.",null,null,null,null,null,null,null,null,null,null,null,"IČO: 35 799 200",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"0800 111 303"]
[null,null,"Žižkova 11",null,null,null,null,null,null,null,null,null,null,null,"Zapísaná v obchodnom registri Okresného súdu",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"www.csob.sk"]
[null,null,"811 02 Bratislava",null,null,null,null,null,null,null,null,null,null,null,"Bratislava I, oddiel Sa, vložka č. 2590/B",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"csobsp@csobsp.sk"]

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[null,"ZÁKLADNÉ INFORMÁCIE O ÚVERE NA BÝVANIE V CUDZEJ MENE"]
[null,"TIETO INFORMÁCIE BOLI VYTVORENÉ PRE",null,{"$f":"ziadatel_meno & \" \" & ziadatel_priezvisko","v":" "}]
[null,"dňa ",null,{"$f":"datum_ziadosti","v":43885}]
[null,"Tieto informácie boli vytvorené na základe údajov, ktoré ste doteraz poskytli, a na základe aktuálnych podmienok na finančnom trhu"]
[null,"Informácie, ktoré sa uvádzajú nižšie sú platné až do ",null,"30 dní, resp. do podpisu zmluvy o úvere na bývanie"]
[null,"Tieto informácie nezakladajú záväzok pre ČSOB stavebnú sporiteľňu, a.s. (ďalej len „ČSOB SP“) poskytnúť Vám úver na bývanie, resp. úver na bývanie v cudzej mene. "]
[null,"Základné informácie o úvere na bývanie v cudzej mene "]
[null,"Tento úver na bývanie je úverom na bývanie v cudzej mene",null,{"$f":"VLOOKUP(ziadatel_zdroj_prijmu_stat,cm_list,2,FALSE)","v":{"$error":"#N/A"}}]
[null,null,null,"národnej mene spotrebiteľa"]
[null,{"$f":"\"Hodnota Vášho úveru na bývanie v \" & cm_mena & \" sa môže zmeniť.\"","v":{"$error":"#N/A"}}]
[null,{"$f":"\"Ak hodnota  \" & cm_mena & \" klesne o 20 % v porovnaní s EUR na  \" & cm_kurz*1.2 & \" \" & cm_mena & \"/EUR, zvýši sa hodnota Vášho úveru na \" & TEXT(vyska_uveru*cm_kurz*1.2,\"# ###,00\") & \". Táto hodnota však môže byť ešte vyššia, ak hodnota  \" & cm_mena & \" klesne o viac ako 20 %.\"","v":{"$error":"#N/A"}}]
[null,"Výška každej splátky"]
[null,{"$f":"\"Výška sumy, ktorú budete platiť v \" & cm_mena & \" každý mesiac sa môže zmeniť. Napríklad ak hodnota \" & cm_mena & \" klesne o 20 % v porovnaní s EUR, budete musieť platiť v medziúvere o \"& TEXT(MU_Mesacna_splatka_celkom*cm_kurz*1.2-MU_Mesacna_splatka_celkom*cm_kurz,\"# ###,00\")&\" každý mesiac viac a v stavebnom úvere o \"& TEXT(SU_Mesacna_splatka_celkom*cm_kurz*1.2-SU_Mesacna_splatka_celkom*cm_kurz,\"# ###,00\")&\" každý mesiac viac. Splátky by sa mohli zvýšiť ešte oveľa viac.\"","v":{"$error":"#N/A"}}]
[]
[null,"Práva a povinnosti spojené s úverom na bývanie v cudzej mene:"]
[null,"- v prípade poskytnutia úveru na bývanie  v cudzej mene, máte právo kedykoľvek počas trvania Zmluvy o (mimoriadnom) medziúveru na bývanie  v cudzej mene a stavebnom úvere na bývanie v cudzej mene, resp. Zmluvy o stavebnom úvere na bývanie v cudzej mene (ďalej len „Úverová zmluva“) bezodplatne zmeniť menu úveru na bývanie na alternatívnu menu alebo ČSOB SP poskytujúca úver na bývanie v cudzej mene je povinná prijať opatrenia na predchádzanie vzniku kurzového rizika, ktorému ste vystavený v súvislosti s poskytnutím úveru na bývanie v cudzej mene.  Alternatívnou menou sa na účely týchto informácií rozumie mena: "]
[null,"a) v ktorej poberáte príjem alebo ste držiteľom aktív, z ktorých sa má úver na bývanie splatiť, ako bolo uvedené v čase vykonania posúdenia Vašej schopnosti splácať úver na bývanie vo vzťahu k Úverovej zmluve;"]
[null,"b) členského štátu, v ktorom ste mali trvalý pobyt v čase uzavretia Úverovej zmluvy alebo v ktorom máte trvalý pobyt v súčasnosti."]
[null,"- pri zmene meny v Úverovej zmluvy na alternatívnu menu, sa na prepočet cudzej meny použije výmenný kurz, ktorý je platný v deň podania žiadosti o zmenu meny v Úverovej zmluve, ak v Úverovej zmluve. Výmenným kurzom sa na tieto účely rozumie výmenný kurz, ktorý sa používa ako základ na prepočet medzi menami a je určený pre príslušné meny Európskou centrálnou bankou  alebo Národnou bankou Slovenska."]
[null,"- ak máte  uzavretú Úverovú zmluvu, na základe ktorej Vám ČSOB SP poskytla úver na bývanie v cudzej mene, ČSOB SP je povinná Vás pravidelne informovať písomnou formou alebo v podobe zápisu na inom trvanlivom médiu, ktoré je Vám dostupné, a  minimálne vtedy, ak pri výmennom kurze medzi menou uvedenou v Úverovej zmluvy a menou členského štátu platnou v čase uzavretia Úverovej zmluvy sa celková výška úveru na bývanie, ktorú musíte splatiť a ktorá ostáva nesplatená alebo výška pravidelných mesačných úverových splátok odlišuje o viac ako 20 %., pričom tieto informácie obsahujú upozornenia pre Vás o:"]
[null,"a) zvýšení celkovej výšky úveru na bývanie, ktorú musíte zaplatiť,"]
[null,"b) určení práva uskutočniť zmenu na alternatívnu menu a podmienky takejto zmeny a"]
[null,"c) mechanizme, ktorý je uplatniteľný na obmedzenie rizík výmenného kurzu, ktorým ste vystavený."]
[]
[]
[]
[]
[]
[null,"DÁTUM A PODPIS ŽIADATEĽA:",null,"DÁTUM A PODPIS SPOLUŽIADATEĽA (manželský partner žiadateľa):"]
[null,{"$f":"TRIM(IF(ziadatel_titul=\"\",\"\",ziadatel_titul)&\" \"&IF(ziadatel_meno=\"\",\"\",ziadatel_meno)&\" \"&IF(ziadatel_priezvisko=\"\",\"\",ziadatel_priezvisko))","v":""},null,{"$f":"TRIM(IF(spoluziadatel_titul=\"\",\"\",spoluziadatel_titul)&\" \"&IF(spoluziadatel_meno=\"\",\"\",spoluziadatel_meno)&\" \"&IF(spoluziadatel_priezvisko=\"\",\"\",spoluziadatel_priezvisko))","v":""}]
[]
[]
[]
[null,"DÁTUM A PODPIS SPOLUDLŽNÍKA: ",null,"DÁTUM A PODPIS MANŽ. PART. SPOLUDLŽNÍKA:"]
[null,{"$f":"TRIM(IF(pristupitel_titul=\"\",\"\",pristupitel_titul)&\" \"&IF(pristupitel_meno=\"\",\"\",pristupitel_meno)&\" \"&IF(pristupitel_priezvisko=\"\",\"\",pristupitel_priezvisko))","v":""},null,{"$f":"TRIM(IF(manz_pristupitela_titul=\"\",\"\",manz_pristupitela_titul)&\" \"&IF(manz_pristupitela_meno=\"\",\"\",manz_pristupitela_meno)&\" \"&IF(manz_pristupitela_priezvisko=\"\",\"\",manz_pristupitela_priezvisko))","v":""}]
[]
[]
[]
[null,null,null,{"$f":"verzia & \"_\" & TEXT(NOW(),\"YYYYMMDDHHMM\")","v":"AMU_20200215_202002241303"}]

{"sheet":"INFOLIST","index":10,"n_rows":46,"n_cols":22,"rows_kept":46,"cut":false,"hidden":true,"merged":[[43,4,43,12],[26,8,26,12],[36,21,36,25],[27,8,27,12],[37,21,37,25],[41,4,41,12],[42,4,42,12],[37,8,37,12],[27,21,27,25],[35,8,35,12],[29,1,29,25],[25,21,25,25],[36,8,36,12],[26,21,26,25],[24,21,24,25],[15,1,16,24],[17,1,17,26],[34,8,34,12],[19,1,19,25],[23,8,23,12],[33,21,33,25],[24,8,24,12],[34,21,34,25],[25,8,25,12],[35,21,35,25],[33,8,33,12],[23,21,23,25]]}
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Informatívny prepočet možností financovania bývania od ČSOB"]
[]
[null,"Vážený klient,"]
[]
[null,"pre Vás osobne Vám ponúkame alternatívne možnosti financovania bývania spolu s ČSOB hypotekárnym úverom."]
[]
[null,"Naša ponuka je pre Vás ideálnym riešením, ako si vyriešiť financovanie bývania pod jednou strechou."]
[]
[null,"1. alternatíva (ČSOB Hypotekárny úver s úverom od ČSOB Stavebnej sporiteľne)"]
[]
[null,{"$f":"'MOŽNOSTI FINANCOVANIA'!B9","v":"Hypotéka"},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!B11","v":"HypoEXTRA"}]
[]
[null,"▪ Výška úveru",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!H29","v":0},null,null,null,null,null,"▪ Výška úveru",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!E29","v":""}]
[null,"▪ Doba úveru v rokoch",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!H30","v":0},null,null,null,null,null,"▪ Doba úveru v rokoch",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!E30","v":0}]
[null,"▪ Úroková sadzba p.a.",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!H31","v":0},null,null,null,null,null,"▪ Úroková sadzba p.a.",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!E31","v":4.5900000000000003E-2}]
[null,"▪ Mesačná splátka úveru",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!H32","v":""},null,null,null,null,null,"▪ Mesačná splátka úveru",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!E32","v":""}]
[null,"▪ Preplatenosť",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!H33","v":""},null,null,null,null,null,"▪ Preplatenosť",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!E33","v":""}]
[]
[null,"2. alternatíva (ČSOB Hypotekárny úver so spotrebným úverom)"]
[]
[null,{"$f":"'MOŽNOSTI FINANCOVANIA'!B9","v":"Hypotéka"},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!B13","v":"Spotrebný úver"}]
[]
[null,"▪ Výška úveru",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!D29","v":0},null,null,null,null,null,"▪ Výška úveru",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!I29","v":""}]
[null,"▪ Doba úveru v rokoch",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!D30","v":0},null,null,null,null,null,"▪ Doba úveru v rokoch",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!I30","v":0}]
[null,"▪ Úroková sadzba p.a.",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!D31","v":0},null,null,null,null,null,"▪ Úroková sadzba p.a.",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!I31","v":0}]
[null,"▪ Mesačná splátka úveru",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!D32","v":""},null,null,null,null,null,"▪ Mesačná splátka úveru",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!I32","v":""}]
[null,"▪ Preplatenosť",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!D33","v":""},null,null,null,null,null,"▪ Preplatenosť",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA'!I33","v":""}]
[]
[null,"V prípade akýchkoľvek otázok som Vám k dispozícii. "]
[]
[null,"Meno:",null,null,{"$f":"IF(FA_meno_priezvisko=\"\",\"\",FA_meno_priezvisko)","v":""}]
[null,"tel.:",null,null,{"$f":"IF(FA_tel=\"\",\"\",FA_tel)","v":""}]
[null,"e-mail:",null,null,{"$f":"IF(FA_email=\"\",\"\",FA_email)","v":""}]
[]
[null,"Všetky uvedené prepočty sú informatívne a nemajú záväzný charakter"]

{"sheet":"premenne","index":11,"n_rows":51,"n_cols":13,"rows_kept":51,"cut":false,"hidden":true,"merged":[]}
["Globalne","dopocitane_SU","dopocitane_MU","zadane",null,null,null,null,"ZIADATEL","SPOLUDLZNIK","PRISTUPITEL","MANZ_PRISTUPITELA","ZAZNAM_O_SPROSTREDKOVANI"]
["verzia","splatka_SU","splatka_MU","doba_splatnosti","doba_splatnosti_MU","doba_splatnosti_SU","poistne_MU","poistne_SU","cudzia_mena_ziadatel","cudzia_mena_spoludlznik","cudzia_mena_pristupitel","cudzia_mena_manz_pristupitela","ZoS_1"]
["AMU_20200215",{"$f":"+koeficient_SU*vyska_uveru","v":{"$error":"#N/A"}},{"$f":"urok_MU+vklad_SS","v":{"$error":"#N/A"}},{"$f":"doba_splatnosti","v":0},{"$f":"VLOOKUP(doba_splatnosti,tab_doba_uveru,2,0)","v":{"$error":"#N/A"}},{"$f":"+D3-E3","v":{"$error":"#N/A"}},{"$f":"IF(poistenie=\"základný súbor A\",ROUND(urok_MU*4.65%,2),0)","v":0},{"$f":"IF(poistenie=\"základný súbor A\",ROUND(splatka_SU*4.65%,2),0)","v":0},{"$f":"OR(ziadatel_stat=\"ČR\",ziadatel_stat=\"Švajčiarsko\",ziadatel_stat=\"Veľká Británia\",ziadatel_zdroj_prijmu_stat=\"Veľká Británia\",ziadatel_zdroj_prijmu_stat=\"ČR\",ziadatel_zdroj_prijmu_stat=\"Švajčiarsko\")","v":false},{"$f":"OR(spoluziadatel_stat=\"ČR\",spoluziadatel_stat=\"Švajčiarsko\",spoluziadatel_stat=\"Veľká Británia\",spoluziadatel_zdroj_prijmu_stat=\"Veľká Británia\",spoluziadatel_zdroj_prijmu_stat=\"ČR\",spoluziadatel_zdroj_prijmu_stat=\"Švajčiarsko\")","v":false},{"$f":"OR(pristupitel_stat=\"ČR\",pristupitel_stat=\"Švajčiarsko\",pristupitel_stat=\"Veľká Británia\",pristupitel_zdroj_prijmu_stat=\"Veľká Británia\",pristupitel_zdroj_prijmu_stat=\"ČR\",pristupitel_zdroj_prijmu_stat=\"Švajčiarsko\")","v":false},{"$f":"OR(manz_pristupitela_stat=\"ČR\",manz_pristupitela_stat=\"Švajčiarsko\",manz_pristupitela_stat=\"Veľká Británia\",manz_pristupitela_zdroj_prijmu_stat=\"Veľká Británia\",manz_pristupitela_zdroj_prijmu_stat=\"ČR\",manz_pristupitela_zdroj_prijmu_stat=\"Švajčiarsko\")","v":false},false]
["ID_tlac","koeficient_SU","koeficient_MU","vyska_uveru",null,null,{"$f":"IF(poistenie=\"komplexný súbor B\",ROUND(urok_MU*8.7%,2),0)","v":0},{"$f":"IF(poistenie=\"komplexný súbor B\",ROUND(splatka_SU*8.7%,2),0)","v":0},null,null,null,null,"ZoS_2"]
[{"$f":"verzia & \"_\" & TEXT(ID_tlac_pom,\"YYYY-MM-DD HH:MM:SS\")","v":"AMU_20200215_1900-01-00 00:00:00"},{"$f":"VLOOKUP(doba_splatnosti,tab_koef_splatky,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(doba_splatnosti,tab_koef_splatky,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"vyska_uveru","v":0},null,null,{"$f":"poistne_MU_A+poistne_MU_B","v":0},{"$f":"poistne_SU_A+poistne_SU_B","v":0},null,null,null,null,false]
["ID_tlac_pom",null,"urok_MU",null,null,null,null,null,null,null,null,null,"ZoS_3"]
[null,null,{"$f":"ROUNDUP(ROUND((urokova_sadzba_MU*vyska_uveru)*IF(MOD(YEAR(TODAY()),4)=0,366,365)/12/360,2)+ROUND((poplatok_rocny_vypis+poplatok_vedenie_uver)/12,2),2)","v":0.21},null,null,null,null,null,null,null,null,null,false]
["urokova_sadzba_MU",null,"vklad_SS",null,null,null,null,null,null,null,null,null,"ZoS_4"]
[4.5900000000000003E-2,null,{"$f":"ROUND(koeficient_MU*vyska_uveru,2)","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,false]
["urokova_sadzba",null,null,null,null,null,null,null,null,null,null,null,"ZoS_5"]
[4.5900000000000003E-2,null,null,null,null,null,null,null,null,null,null,null,false]
["poplatok_rocny_vypis",null,null,null,null,null,null,null,null,null,null,null,"ZoS_6"]
[{"$f":"IF(vypis=\"e-mailom\",0,2.5)","v":2.5},null,null,null,null,null,null,null,null,null,null,null,false]
["poplatok_vedenie_uver",null,null,null,null,null,null,null,null,null,null,null,"ZoS_7"]
[0,null,null,null,null,null,null,null,null,null,null,null,false]
["tlacit_spoluziadatel",null,null,null,null,null,null,null,null,null,null,null,"ZoS_8"]
[{"$f":"IF(spoluziadatel_RC<>\"\",TRUE,FALSE)","v":false},null,null,null,null,null,null,null,null,null,null,null,false]
["tlacit_pristupitel",null,null,null,null,null,null,null,null,null,null,null,"ZoS_9"]
[{"$f":"IF(pristupitel_RC<>\"\",TRUE,FALSE)","v":false},null,null,null,null,null,null,null,null,null,null,null,false]
["tlacit_manz_pristupitela",null,null,null,null,null,null,null,null,null,null,null,"ZoS_variant_A"]
[{"$f":"IF(manz_pristupitela_RC<>\"\",TRUE,FALSE)","v":false},null,null,null,null,null,null,null,null,null,null,null,{"$f":"OR(poistenie=poistenieA,RK_ziadost_poistenie=poistenieA)","v":false}]
["max_vyska_uver",null,null,null,null,null,null,null,null,null,null,null,"ZoS_variant_B"]
[35000,null,null,null,null,null,null,null,null,null,null,null,{"$f":"OR(poistenie=poistenieB,RK_ziadost_poistenie=poistenieB)","v":false}]
["cudzia_mena_podmienka"]
[{"$f":"OR(cudzia_mena_ziadatel,cudzia_mena_spoludlznik,cudzia_mena_pristupitel,cudzia_mena_manz_pristupitela)","v":false}]
["cm_kurz"]
[{"$f":"VLOOKUP(cm_mena,cm_kurz_list,2,FALSE)","v":{"$error":"#N/A"}}]
["cm_ine"]
[false]
["cm_eur"]
[true]
["limity_max_limit_HE"]
[{"$f":"ROUNDDOWN(PV(urokova_sadzba_MU/12,180,-limity_max_splatka_SU),-2)","v":{"$error":"#VALUE!"}}]
["limity_max_limit_SU"]
[{"$f":"ROUNDDOWN(PV(sadzba_limity_banka/12,96,-limity_max_splatka_SU),-2)","v":{"$error":"#VALUE!"}}]
["limity_max_splatka_SU"]
[{"$f":"MIN(limity_max_splatka_DSTI_SU,limity_max_splatka_1_SU)","v":{"$error":"#VALUE!"}}]
["limity_max_splatka_DSTI_SU"]
[{"$f":"0.65*limity_prijem-(limity_HU_sbcb+'MOŽNOSTI FINANCOVANIA'!D32)/IF(limity_pocet_ucastnikov=2,1,2)-limity_SU_sbcb-0.05*limity_PPU_KK","v":{"$error":"#VALUE!"}}]
["limity_max_splatka_1_SU"]
[{"$f":"0.7*(limity_prijem-limity_ziv_min-limity_vyzivne)-1.1*(limity_HU_sbcb+'MOŽNOSTI FINANCOVANIA'!D32+limity_SU_sbcb)-0.03*limity_PPU_KK","v":{"$error":"#VALUE!"}}]
["limity_ziv_min"]
[{"$f":"par_vydavky_ziadatel+IF(limity_pocet_ucastnikov=2,par_vydavky_partner,0)+par_vydavky_dieta*limity_pocet_deti","v":210.2}]
["sadzba_limity_banka"]
[4.9000000000000002E-2]
["max_limit_he"]
[{"$f":"IF(limity_pocet_ucastnikov=1,20000,IF(limity_pocet_ucastnikov=2,35000,0))","v":0}]
["zohladnena_max_vyska_HE"]
[{"$f":"MIN(ROUNDDOWN(8*(12*limity_prijem+1)-limity_zostatky,-2),IF(OR(limity_max_limit_HE<0,ISERROR(limity_max_limit_HE)),0,IF(limity_max_limit_HE>max_limit_he,max_limit_he,limity_max_limit_HE)))","v":{"$error":"#VALUE!"}}]
["zohladnena_max_vyska_SU"]
[{"$f":"IF(MIN(ROUNDDOWN(8*(12*limity_prijem+1)-limity_zostatky,-2),IF(OR(limity_max_limit_SU<600,ISERROR(limity_max_limit_SU)),0,IF(limity_max_limit_SU>25000,25000,limity_max_limit_SU)))<0,0,MIN(ROUNDDOWN(8*(12*limity_prijem+1)-limity_zostatky,-2),IF(OR(limity_max_limit_SU<600,ISERROR(limity_max_limit_SU)),0,IF(limity_max_limit_SU>25000,25000,limity_max_limit_SU))))","v":{"$error":"#VALUE!"}}]

{"sheet":"chyb_hlas","index":12,"n_rows":22,"n_cols":6,"rows_kept":22,"cut":false,"hidden":true,"merged":[[0,0,0,3],[9,0,9,2]]}
["Stop hlasenia - Ziadost",null,null,null,null,"Vyhodnotenie chybovych hlasok"]
["popis","PODMIENKA","CHYBA","Chybove hlasenie",null,{"$f":"IF(chyb_hl_stop_vyhodnotenie=TRUE,chyb_hl_stop_text,IF(chyb_hl_ziadost=TRUE,chyb_hl_ziadost_text,\"OK\"))","v":"OK"}]
["vyska uveru v celych 100-kach EUR",{"$f":"MOD(vyska_uveru,100)<>0","v":false},{"$f":"IF(ISERROR(B3),FALSE,B3)","v":false},"Výška úveru ČSOB St Sp musí byť uvedená v celých stovkách €."]
["limit vysky na jedneho ucastnika",{"$f":"IF(AND(spoluziadatel_RC=\"\",OR(rucitel=nie,rucitel=\"\")),IF(vyska_uveru+uver_angaz>20000,TRUE,FALSE),IF(vyska_uveru+uver_angaz>35000,TRUE,FALSE))","v":false},{"$f":"IF(ISERROR(B4),FALSE,B4)","v":false},"Pre úver ČSOB St Sp je povinný druhý účastník úveru (manžel/ka žiadateľa alebo spoludlžník) z dôvodu výšky úveru. Maximálna výška úveru pre 1 účastníka je 20000 €, pre dvoch 35000€."]
["uverova angazovanost",{"$f":"uv_angaz_podmienka=TRUE","v":false},{"$f":"IF(ISERROR(B5),FALSE,B5)","v":false},{"$f":"\"Maximálna výška úveru z dôvodu úverovej angažovanosti v ČSOB St. Sp. je \" & TEXT(max_vyska_uver-uver_angaz,0)&\" € !\"","v":"Maximálna výška úveru z dôvodu úverovej angažovanosti v ČSOB St. Sp. je 35000 € !"}]
["limit splatnost",{"$f":"doba_SU>10","v":{"$error":"#N/A"}},{"$f":"IF(ISERROR(B6),FALSE,B6)","v":false},"Doba stavebného úveru presahuje 10 rokov."]
["sposob prevzatia dokumentov",{"$f":"AND(vyhlasenia_prevzal_elektronicky=\"\",vyhlasenia_prevzal_osobne=\"\")","v":true},{"$f":"IF(ISERROR(B7),FALSE,B7)","v":true},"Vyplňte spôsob prevzatia dokumetov (VOP, sadzobník, ...) v hárku vyhlasenia"]
["Zobrazené chybové hlásenie:",null,{"$f":"IF(OR(vyska_uveru=0),FALSE,OR(C3:C7))","v":false},{"$f":"IF(chyb_hl_stop_vyhodnotenie,VLOOKUP(TRUE,C3:D7,2,FALSE),\"\")","v":""}]
[]
["ziadost",null,null,"predpripravene na povinne polia a postupne dalsie harky"]
["pole/podmienka","CHYBA","Chybové hlásenie"]
["test",{"$f":"FALSE","v":false},"testovacia hlaska"]
["cislo_ziadosti",{"$f":"AND(INDIRECT(A13)=\"\",spracovanie<>list_EDS_spracovanie_komplet,spracovanie<>\"\")","v":false},"Do poľa číslo žiadosti vpíšte registračné číslo z Modelovej aplikácie"]
["EDS_meno_priezvisko_ks",{"$f":"AND(INDIRECT(A14)=\"\",spracovanie=list_EDS_spracovanie_komplet)","v":false},{"$f":"\"Vyplňte pole: \" & OFFSET(INDIRECT(A14),0,-1)","v":"Vyplňte pole: Meno a priezvisko FA"}]
["EDS_prov_cislo_ks",{"$f":"AND(INDIRECT(A15)=\"\",spracovanie=list_EDS_spracovanie_komplet)","v":false},{"$f":"\"Vyplňte pole: \" & OFFSET(INDIRECT(A15),0,-1)","v":"Vyplňte pole: Provízne číslo spoločnosti v ČSOB SP"}]
["EDS_cislo_fa_ks",{"$f":"AND(INDIRECT(A16)=\"\",spracovanie=list_EDS_spracovanie_komplet)","v":false},"Vyplňte pole: Ident. číslo agenta v rámci EDS spoločnosti"]
["EDS_cislo_NBS_ks",{"$f":"AND(INDIRECT(A17)=\"\",spracovanie=list_EDS_spracovanie_komplet)","v":false},"Vyplňte pole: Registračné číslo finančného agenta v NBS"]
["EDS_meno_priezvisko",{"$f":"AND(INDIRECT(A18)=\"\",spracovanie=list_EDS_spracovanie_tiper)","v":false},"Vyplňte pole: Meno a priezvisko FA"]
["EDS_prov_cislo",{"$f":"AND(INDIRECT(A19)=\"\",spracovanie=list_EDS_spracovanie_tiper)","v":false},"Vyplňte pole: Provízne číslo spoločnosti v ČSOB SP"]
["EDS_cislo_fa",{"$f":"AND(INDIRECT(A20)=\"\",spracovanie=list_EDS_spracovanie_tiper)","v":false},"Vyplňte pole: Ident. číslo agenta v rámci EDS spoločnosti"]
["EDS_cislo_NBS",{"$f":"AND(INDIRECT(A21)=\"\",spracovanie=list_EDS_spracovanie_tiper)","v":false},"Vyplňte pole: Registračné číslo finančného agenta v NBS"]
["celkové vyhodnotenie",{"$f":"OR(B12:B21)","v":false},{"$f":"IF(B22,VLOOKUP(TRUE,B12:C21,2,FALSE),\"\")","v":""}]

{"sheet":"ziadost_tlac","index":13,"n_rows":58,"n_cols":33,"rows_kept":58,"cut":false,"hidden":true,"merged":[[37,11,37,19],[37,26,37,37],[53,1,53,37],[40,13,40,19],[39,8,39,19],[38,32,38,37],[39,31,39,37],[40,25,40,37],[51,1,51,37],[43,30,43,37],[45,30,45,37],[47,30,47,37],[49,30,49,37],[48,30,48,37],[44,30,44,37],[46,30,46,37],[0,2,4,31],[14,29,14,37],[12,29,12,37],[12,4,15,19],[12,1,15,3],[13,29,13,37],[11,11,11,19],[11,29,11,37],[7,13,7,19],[9,11,9,19],[9,29,9,37],[10,29,10,37],[10,11,10,19],[5,1,6,37],[7,20,7,24],[7,25,7,29],[57,0,58,0],[57,1,58,25],[17,0,22,0],[55,0,56,0],[55,1,56,37],[20,10,20,19],[21,10,21,19],[22,10,22,19],[18,10,18,19],[19,10,19,19],[18,30,18,37],[25,1,25,6],[19,30,19,37],[20,30,20,37],[22,30,22,37],[36,32,36,37],[35,26,35,37],[34,26,34,37],[29,30,29,37],[28,30,28,37],[33,30,33,37],[32,30,32,37],[30,26,30,37],[31,32,31,37],[25,7,25,15],[36,13,36,19],[35,11,35,19],[34,11,34,19],[28,11,28,19],[30,11,30,19],[32,11,32,19],[29,11,29,19],[31,11,31,19]]}
[null,null,"NÁVRH NA UZATVORENIE ZMLUVY O STAVEBNOM SPORENÍ\nA\nŽIADOSŤ O MEDZIÚVER"]
[]
[]
[]
[]
[null,"\"Navrhujem uzavrieť s ČSOB stavebnou sporiteľňou, a.s. zmluvu o stavebnom sporení podľa zákona č. 310/1992 Zb. o stavebnom sporení v platnom znení (ďalej len \"zmluva\") a úver podľa zákona č. 90/2016 Zb. o  úveroch na bývanie v platnom znení.\""]
[]
[null,"Evidenčné číslo zmluvy:",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(cislo_ziadosti=\"\",\"\",cislo_ziadosti)","v":""},null,null,null,null,null,null,"Dátum žiadosti:",null,null,null,null,{"$f":"IF(datum_ziadosti=\"\",\"\",datum_ziadosti)","v":43885}]
[null,"Základné údaje:"]
[null,"Typ sporenia",null,null,null,null,null,null,null,null,null,{"$f":"IF(typ_uveru=\"\",\"\",typ_uveru)","v":"HypoEXTRA"},null,null,null,null,null,null,null,null,"Štátna prémia",null,null,null,null,null,null,null,null,{"$f":"IF(statna_premia=\"\",\"\",statna_premia)","v":"nie"}]
[null,"Cieľová suma",null,null,null,null,null,null,null,null,null,{"$f":"IF(vyska_uveru=\"\",\"\",vyska_uveru)","v":""},null,null,null,null,null,null,null,null,"Zabezpečenie nehnuteľnosťou",null,null,null,null,null,null,null,null,{"$f":"IF(zabezpecenie_uveru=\"\",\"\",zabezpecenie_uveru)","v":"nie"}]
[null,"Doba splatnosti v rokoch",null,null,null,null,null,null,null,null,null,{"$f":"IF(doba_splatnosti=\"\",\"\",doba_splatnosti)","v":""},null,null,null,null,null,null,null,null,"Poistenie úveru",null,null,null,null,null,null,null,null,{"$f":"IF(poistenie=\"\",\"\",poistenie)","v":""}]
[null,"Účel",null,null,{"$f":"IF(AND(ucel1=\"\",ucel2=\"\"),\"\",(ucel1 & IF(ucel2=\"\",\"\",\" ; \" & ucel2)))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Posielanie výpisu z účtu",null,null,null,null,null,null,null,null,{"$f":"IF(vypis=\"\",\"\",vypis)","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Spôsob čerpania úveru",null,null,null,null,null,null,null,null,{"$f":"IF(cerpanie_uver=\"\",\"\",cerpanie_uver)","v":"po predložení dokladov"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Spôsob splácania úveru",null,null,null,null,null,null,null,null,{"$f":"IF(splacanie_uver=\"\",\"\",splacanie_uver)","v":"bankový prevod"}]
[]
[]
[null,"Súhrn"]
[null,"Celková splátka v medziúvere",null,null,null,null,null,null,null,null,{"$f":"IF(vyska_uveru=\"\",\"\",vklad_SS+urok_MU+poistne_MU)","v":""},null,null,null,null,null,null,null,null,null,"Celková splátka stavebného úveru",null,null,null,null,null,null,null,null,null,{"$f":"IF(vyska_uveru=\"\",\"\",splatka_SU+poistne_SU)","v":""}]
[null,"Splátka MU",null,null,null,null,null,null,null,null,{"$f":"IF(vyska_uveru=\"\",\"\",urok_MU)","v":""},null,null,null,null,null,null,null,null,null,"Splátka stavebného úveru",null,null,null,null,null,null,null,null,null,{"$f":"IF(vyska_uveru=\"\",\"\",splatka_SU)","v":""}]
[null,"Vklad na sporenie",null,null,null,null,null,null,null,null,{"$f":"IF(vyska_uveru=\"\",\"\",vklad_SS)","v":""},null,null,null,null,null,null,null,null,null,"Poistné",null,null,null,null,null,null,null,null,null,{"$f":"IF(vyska_uveru=\"\",\"\",poistne_SU)","v":""}]
[null,"Poistné",null,null,null,null,null,null,null,null,{"$f":"IF(vyska_uveru=\"\",\"\",poistne_MU)","v":""}]
[null,"Úroková sadzba MU",null,null,null,null,null,null,null,null,{"$f":"IF(vyska_uveru=\"\",\"\",urokova_sadzba_MU)","v":""},null,null,null,null,null,null,null,null,null,"Úroková sadzba SU",null,null,null,null,null,null,null,null,null,{"$f":"IF(vyska_uveru=\"\",\"\",urokova_sadzba)","v":""}]
[]
[]
[null,"Spracovanie žiadosti",null,null,null,null,null,{"$f":"IF(spracovanie=\"\",\"\",spracovanie)","v":""}]
[]
[null,"Žiadosť vystavil finančný agent :"]
[null,"Miesto",null,null,null,null,null,null,null,null,null,{"$f":"IF(ziadost_miesto=\"\",\"\",ziadost_miesto)","v":""},null,null,null,null,null,null,null,null,"Dátum",null,null,null,null,null,null,null,null,null,{"$f":"IF(datum_ziadosti=\"\",\"\",TEXT(datum_ziadosti,\"dd.mm.yyyy\"))","v":"24.02.2020"}]
[null,"Meno a priezvisko",null,null,null,null,null,null,null,null,null,{"$f":"IF(FA_meno_priezvisko=\"\",\"\",FA_meno_priezvisko)","v":""},null,null,null,null,null,null,null,null,"Spoločnosť / Finančný agent",null,null,null,null,null,null,null,null,null,{"$f":"IF(ziadost_FA=\"\",\"\",ziadost_FA)","v":"ČSOB Banka"}]
[null,"Osobné číslo FA",null,null,null,null,null,null,null,null,null,{"$f":"IF(FA_osobne_cislo=\"\",\"\",FA_osobne_cislo)","v":""},null,null,null,null,null,null,null,null,"Pobočka",null,null,null,null,null,{"$f":"IF(FA_pobocka=\"\",\"\",FA_pobocka)","v":""}]
[null,"Telefón",null,null,null,null,null,null,null,null,null,{"$f":"IF(FA_tel=\"\",\"\",FA_tel)","v":""},null,null,null,null,null,null,null,null,"Registračné číslo finančného agenta v NBS",null,null,null,null,null,null,null,null,null,null,null,131420]
[null,"Email FA",null,null,null,null,null,null,null,null,null,{"$f":"IF(FA_email=\"\",\"\",FA_email)","v":""},null,null,null,null,null,null,null,null,"Provízne číslo pobočky",null,null,null,null,null,null,null,null,null,{"$f":"IF(FA_prov_cislo=\"\",\"\",FA_prov_cislo)","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Meno 2. podpísujúceho úv. zmluvu",null,null,null,null,null,null,null,null,null,{"$f":"IF(ziadost_riaditel_pobocky=\"\",\"\",ziadost_riaditel_pobocky)","v":""}]
[null,"Meno a priezvisko",null,null,null,null,null,null,null,null,null,{"$f":"IF(EDS_meno_priezvisko_ks=\"\",\"\",EDS_meno_priezvisko_ks)","v":""},null,null,null,null,null,null,null,null,"Email",null,null,null,null,null,{"$f":"IF(EDS_email_ks=\"\",\"\",EDS_email_ks)","v":""}]
[null,"Provízne číslo EDS",null,null,null,null,null,null,null,null,null,{"$f":"IF(EDS_prov_cislo_ks=\"\",\"\",EDS_prov_cislo_ks)","v":""},null,null,null,null,null,null,null,null,"Spoločnosť",null,null,null,null,null,{"$f":"IF(EDS_spolocnost_ks=\"\",\"\",EDS_spolocnost_ks)","v":""}]
[null,"Ident. číslo agenta v rámci EDS spoločnosti",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(EDS_cislo_fa_ks=\"\",\"\",EDS_cislo_fa_ks)","v":""},null,null,null,null,null,null,"Registračné číslo finančného agenta v NBS",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(EDS_cislo_NBS_ks=\"\",\"\",EDS_cislo_NBS_ks)","v":""}]
[null,"Miesto odovzdania žiadosti",null,null,null,null,null,null,null,null,null,{"$f":"IF(EDS_odovzdanie=\"\",\"\",EDS_odovzdanie)","v":"pobočka ČSOB"},null,null,null,null,null,null,null,null,"Pobočka",null,null,null,null,null,{"$f":"IF(EDS_pobocka=\"\",\"\",EDS_pobocka)","v":""}]
[null,"Tiper:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Registračné číslo finančného agenta v NBS",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(EDS_cislo_NBS=\"\",\"\",EDS_cislo_NBS)","v":""}]
[null,"Meno a priezvisko FA",null,null,null,null,null,null,{"$f":"IF(EDS_meno_priezvisko=\"\",\"\",EDS_meno_priezvisko)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Provízne číslo spoločnosti v ČSOB SP",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(EDS_prov_cislo=\"\",\"\",EDS_prov_cislo)","v":""}]
[null,"Ident. číslo agenta v rámci EDS spoločnosti",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(EDS_cislo_fa=\"\",\"\",EDS_cislo_fa)","v":""},null,null,null,null,null,null,"EDS spoločnosť",null,null,null,null,{"$f":"IF(EDS_spolocnost=\"\",\"\",EDS_spolocnost)","v":""}]
[]
[null,"Vybrané poplatky v zmysle platného Sadzobníka poplatkov pre fyzické osoby – obyvateľov, ktoré budú zúčtované v súlade s VOP."]
[null,"Uzatvorenie zmluvy o stavebnom sporení:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"0 Eur"]
[null,"Spracovanie a schválenie úverového prípadu - pri medziúvere:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"0 Eur"]
[null,"Správa účtu k zmluve o stavebnom sporení:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"16 Eur ročne"]
[null,"Správa úverového účtu - pri medziúvere, pri stavebnom úvere:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"bez poplatku"]
[null,"Poskytnutie informácie o zúčtovaní na účte k zmluve stavebného sporenia (ročne poštou)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"3,50 Eur"]
[null,"Poskytnutie informácie o zúčtovaní na účte k zmluve o medziúvere alebo stavebnom úvere (ročne poštou)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2,50 Eur"]
[null,"Poskytnutie informácie o zúčtovaní na účte (ročne sprístupnený v elektronickej forme)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"bez poplatku"]
[null,"Stavebná sporiteľňa je oprávnená meniť poplatky za podmienok uvedených vo VOP."]
[]
[]
[null,"Stavebný sporiteľ, ktorý uzatvorí zmluvu o medziúvere a začne čerpať medziúver po 1.1.2019 stráca nárok na štátnu prémiu na všetkých zmluvách stavebného sporenia uzatvorených v ktorejkoľvek stavebnej sporiteľni."]
[]
[null,"Prepočet uvádzaný v tejto žiadosti ako aj predpokladaná dĺžka trvania úveru je len informatívna, nakoľko je závislá od splnenia a dodržiania dohodnutých podmienok . Skutočné trvanie úveru a výška mesačných splátok stavebného úveru môže byť odlišná od údajov uvedených v tejto žiadosti."]
[]
[null,"ČSOB stavebná sporiteľňa, a.s.\nBratislava 1, PSČ 811 02, Žižkova 11; IČO: 35 799 200; DIČ: 2021544030; IČ pre DPH: SK7020000218 \nzapísaná v Obchodnom registri Okresného súdu Bratislava I. v odd. Sa, vložka č. 2590/B\ninfolinka: 0800 111 303,  fax:  02 5966 7920; www.csob.sk; csobsp@csobsp.sk"]

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[]
[null,"OSOBNÉ ÚDAJE A HODNOTENIE\nŽIADATEĽA A SPOLUŽIADATEĽA"]
[]
[]
[null,"Evidenčné číslo zmluvy:",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(cislo_ziadosti=\"\",\"\",cislo_ziadosti)","v":""},null,null,null,null,null,null,"Dátum žiadosti:",null,null,null,null,{"$f":"IF(datum_ziadosti=\"\",\"\",datum_ziadosti)","v":43885}]
[null,"Žiadateľ o úver (stavebný sporiteľ):"]
[null,"Meno",null,null,null,null,{"$f":"IF(ziadatel_meno=\"\",\"\",ziadatel_meno)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"E-mail1)",null,null,null,null,null,null,null,null,{"$f":"IF(ziadatel_email=\"\",\"\",ziadatel_email)","v":""}]
[null,"Priezvisko",null,null,null,null,{"$f":"IF(ziadatel_priezvisko=\"\",\"\",ziadatel_priezvisko)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"Telefón",null,null,null,null,null,null,null,null,{"$f":"IF(ziadatel_telefon=\"\",\"\",ziadatel_telefon)","v":""}]
[null,"Rodné priezvisko",null,null,null,null,{"$f":"IF(ziadatel_rodne_priezvisko=\"\",\"\",ziadatel_rodne_priezvisko)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"S osobitným vzťahom k banke2)",null,null,null,null,null,null,null,null,{"$f":"IF(ziadatel_osobity_vztah=\"\",\"\",ziadatel_osobity_vztah)","v":""}]
[null,"Titul",null,null,null,null,{"$f":"IF(ziadatel_titul=\"\",\"\",ziadatel_titul)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"Politicky exponovaná osoba3)",null,null,null,null,null,null,null,null,{"$f":"IF(ziadatel_PEO=\"\",\"\",ziadatel_PEO)","v":""}]
[null,"Rodné číslo",null,null,null,null,{"$f":"IF(ziadatel_RC=\"\",\"\",ziadatel_RC)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"Štát daňovej rezidencie4)",null,null,null,null,null,null,null,null,{"$f":"IF(ziadatel_danova_rezidencia=\"\",\"\",ziadatel_danova_rezidencia)","v":""}]
[null,"Číslo dokladu totožnosti",null,null,null,null,null,null,null,{"$f":"IF(ziadatel_OP=\"\",\"\",ziadatel_OP)","v":""},null,null,null,null,null,null,null,null,null,null,"Daňové identifikačné číslo5)",null,null,null,null,null,null,null,null,{"$f":"IF(ziadatel_dic=\"\",\"\",ziadatel_dic)","v":""}]
[null,"Dôvod nesúladu medzi štátom trvalého\npobytu a štátom daňovej rezidencie je6)",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ziadatel_dovod_nesulad=\"\",\"\",ziadatel_dovod_nesulad)","v":""}]
[]
[]
[null,"Adresa trvalého bydliska"]
[null,"Ulica, číslo",null,null,null,null,null,null,{"$f":"IF(ziadatel_ulica=\"\",\"\",ziadatel_ulica)","v":""},null,null,null,null,null,null,null,null,null,null,null,"PSČ",null,null,null,null,null,null,null,null,{"$f":"IF(ziadatel_PSC=\"\",\"\",ziadatel_PSC)","v":""}]
[null,"Mesto",null,null,null,null,null,null,{"$f":"IF(ziadatel_mesto=\"\",\"\",ziadatel_mesto)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Štát",null,null,null,null,null,null,null,null,{"$f":"IF(ziadatel_stat=\"\",\"\",ziadatel_stat)","v":""}]
[]
[null,"Údaje o zamestnaní:"]
[null,"Druh pracovného pomeru",null,null,null,null,null,null,{"$f":"IF(ziadatel_prijem_z=\"\",\"\",ziadatel_prijem_z)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Typ pracovnej činnosti",null,null,null,null,null,null,null,null,{"$f":"IF(ziadatel_pracovna_cinnost=\"\",\"\",ziadatel_pracovna_cinnost)","v":""}]
[null,"Zdroj príjmu - štát",null,null,null,null,null,null,{"$f":"IF(ziadatel_zdroj_prijmu_stat=\"\",\"\",ziadatel_zdroj_prijmu_stat)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Pracovný pomer od dátumu",null,null,null,null,null,null,null,null,{"$f":"IF(ziadatel_pomer_od=\"\",\"\",ziadatel_pomer_od)","v":""}]
[null,"Typ zamestnania",null,null,null,null,null,null,{"$f":"IF(ziadatel_pracovna_oblast=\"\",\"\",ziadatel_pracovna_oblast)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Forma vyplácania príjmu",null,null,null,null,null,null,null,null,{"$f":"IF(ziadatel_forma_vyplaty=\"\",\"\",ziadatel_forma_vyplaty)","v":""}]
[]
[]
[null,"Pracovná pozícia",null,null,null,null,null,null,{"$f":"IF(ziadatel_prac_pozicia=\"\",\"\",ziadatel_prac_pozicia)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Podnikateľská činnosť žiadateľa:",null,null,null,null,null,null,null,null,{"$f":"IF(ziadatel_podnikat_cinnost=\"\",\"\",ziadatel_podnikat_cinnost)","v":""}]
[]
[null,"Údaje o zamestnaní 2:"]
[null,"Druh pracovného pomeru",null,null,null,null,null,null,{"$f":"IF(ziadatel_prijem_z_2=\"\",\"\",ziadatel_prijem_z_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Typ pracovnej činnosti",null,null,null,null,null,null,null,null,{"$f":"IF(ziadatel_pracovna_cinnost_2=\"\",\"\",ziadatel_pracovna_cinnost_2)","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pracovný pomer od dátumu",null,null,null,null,null,null,null,null,{"$f":"IF(ziadatel_pomer_od_2=\"\",\"\",ziadatel_pomer_od_2)","v":""}]
[null,"Typ zamestnania",null,null,null,null,null,null,{"$f":"IF(ziadatel_pracovna_oblast_2=\"\",\"\",ziadatel_pracovna_oblast_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Forma vyplácania príjmu",null,null,null,null,null,null,null,null,{"$f":"IF(ziadatel_forma_vyplaty_2=\"\",\"\",ziadatel_forma_vyplaty_2)","v":""}]
[]
[null,"Údaje o zamestnaní 3:"]
[null,"Druh pracovného pomeru",null,null,null,null,null,null,{"$f":"IF(ziadatel_prijem_z_3=\"\",\"\",ziadatel_prijem_z_3)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Typ pracovnej činnosti",null,null,null,null,null,null,null,null,{"$f":"IF(ziadatel_pracovna_cinnost_3=\"\",\"\",ziadatel_pracovna_cinnost_3)","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pracovný pomer od dátumu",null,null,null,null,null,null,null,null,{"$f":"IF(ziadatel_pomer_od_3=\"\",\"\",ziadatel_pomer_od_3)","v":""}]
[null,"Typ zamestnania",null,null,null,null,null,null,{"$f":"IF(ziadatel_pracovna_oblast_3=\"\",\"\",ziadatel_pracovna_oblast_3)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Forma vyplácania príjmu",null,null,null,null,null,null,null,null,{"$f":"IF(ziadatel_forma_vyplaty_3=\"\",\"\",ziadatel_forma_vyplaty_3)","v":""}]
[]
[]
[null,"Číslo listu vlastníctva",null,null,null,null,null,null,{"$f":"IF(ziadatel_lv=\"\",\"\",ziadatel_lv)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Číslo bytu/súpisné č. objektu úveru",null,null,null,null,null,null,null,null,{"$f":"IF(ziadatel_cislo_bytu=\"\",\"\",ziadatel_cislo_bytu)","v":""}]
[]
[]
[]
[null,"Spolužiadateľ (manželský partner žiadateľa):"]
[null,"Meno",null,null,null,null,{"$f":"IF(spoluziadatel_meno=\"\",\"\",spoluziadatel_meno)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"E-mail1)",null,null,null,null,null,null,null,null,{"$f":"IF(spoluziadatel_email=\"\",\"\",spoluziadatel_email)","v":""}]
[null,"Priezvisko",null,null,null,null,{"$f":"IF(spoluziadatel_priezvisko=\"\",\"\",spoluziadatel_priezvisko)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"Telefón",null,null,null,null,null,null,null,null,{"$f":"IF(spoluziadatel_telefon=\"\",\"\",spoluziadatel_telefon)","v":""}]
[null,"Rodné priezvisko",null,null,null,null,{"$f":"IF(spoluziadatel_rodne_priezvisko=\"\",\"\",spoluziadatel_rodne_priezvisko)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"S osobitným vzťahom k banke2)",null,null,null,null,null,null,null,null,{"$f":"IF(spoluziadatel_osobity_vztah=\"\",\"\",spoluziadatel_osobity_vztah)","v":""}]
[null,"Titul",null,null,null,null,{"$f":"IF(spoluziadatel_titul=\"\",\"\",spoluziadatel_titul)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"Politicky exponovaná osoba3)",null,null,null,null,null,null,null,null,{"$f":"IF(spoluziadatel_PEO=\"\",\"\",spoluziadatel_PEO)","v":""}]
[null,"Rodné číslo",null,null,null,null,{"$f":"IF(spoluziadatel_RC=\"\",\"\",spoluziadatel_RC)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"Číslo dokladu totožnosti",null,null,null,null,null,null,null,null,{"$f":"IF(spoluziadatel_OP=\"\",\"\",spoluziadatel_OP)","v":""}]
[]
[null,"Adresa trvalého bydliska"]
[null,"Ulica, číslo",null,null,null,null,null,null,{"$f":"IF(spoluziadatel_ulica=\"\",\"\",spoluziadatel_ulica)","v":""},null,null,null,null,null,null,null,null,null,null,null,"PSČ",null,null,null,null,null,null,null,null,{"$f":"IF(spoluziadatel_PSC=\"\",\"\",spoluziadatel_PSC)","v":""}]
[null,"Mesto",null,null,null,null,null,null,{"$f":"IF(spoluziadatel_mesto=\"\",\"\",spoluziadatel_mesto)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Štát",null,null,null,null,null,null,null,null,{"$f":"IF(spoluziadatel_stat=\"\",\"\",spoluziadatel_stat)","v":""}]
[]
[null,"Údaje o zamestnaní:"]
[null,"Druh pracovného pomeru",null,null,null,null,null,null,{"$f":"IF(spoluziadatel_prijem_z=\"\",\"\",spoluziadatel_prijem_z)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Typ pracovnej činnosti",null,null,null,null,null,null,null,null,{"$f":"IF(spoluziadatel_pracovna_cinnost=\"\",\"\",spoluziadatel_pracovna_cinnost)","v":""}]
[null,"Zdroj príjmu - štát",null,null,null,null,null,null,{"$f":"IF(spoluziadatel_zdroj_prijmu_stat=\"\",\"\",spoluziadatel_zdroj_prijmu_stat)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Pracovný pomer od dátumu",null,null,null,null,null,null,null,null,{"$f":"IF(spoluziadatel_pomer_od=\"\",\"\",spoluziadatel_pomer_od)","v":""}]
[null,"Typ zamestnania",null,null,null,null,null,null,{"$f":"IF(spoluziadatel_pracovna_oblast=\"\",\"\",spoluziadatel_pracovna_oblast)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Forma vyplácania príjmu",null,null,null,null,null,null,null,null,{"$f":"IF(spoluziadatel_forma_vyplaty=\"\",\"\",spoluziadatel_forma_vyplaty)","v":""}]
[]
[]
[null,"Pracovná pozícia",null,null,null,null,null,null,{"$f":"IF(spoluziadatel_prac_pozicia=\"\",\"\",spoluziadatel_prac_pozicia)","v":""},null,null,null,null,null,null,null,null,null,"Podnikateľská činnosť spolužiadateľa:",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(spoluziadatel_podnikat_cinnost=\"\",\"\",spoluziadatel_podnikat_cinnost)","v":""}]
[]
[null,"Údaje o zamestnaní 2:"]
[null,"Druh pracovného pomeru",null,null,null,null,null,null,{"$f":"IF(spoluziadatel_prijem_z_2=\"\",\"\",spoluziadatel_prijem_z_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Typ pracovnej činnosti",null,null,null,null,null,null,null,null,{"$f":"IF(spoluziadatel_pracovna_cinnost_2=\"\",\"\",spoluziadatel_pracovna_cinnost_2)","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pracovný pomer od dátumu",null,null,null,null,null,null,null,null,{"$f":"IF(spoluziadatel_pomer_od_2=\"\",\"\",spoluziadatel_pomer_od_2)","v":""}]
[null,"Typ zamestnania",null,null,null,null,null,null,{"$f":"IF(spoluziadatel_pracovna_oblast_2=\"\",\"\",spoluziadatel_pracovna_oblast_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Forma vyplácania príjmu",null,null,null,null,null,null,null,null,{"$f":"IF(spoluziadatel_forma_vyplaty_2=\"\",\"\",spoluziadatel_forma_vyplaty_2)","v":""}]
[]
[null,"Údaje o zamestnaní 3:"]
[null,"Druh pracovného pomeru",null,null,null,null,null,null,{"$f":"IF(spoluziadatel_prijem_z_3=\"\",\"\",spoluziadatel_prijem_z_3)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Typ pracovnej činnosti",null,null,null,null,null,null,null,null,{"$f":"IF(spoluziadatel_pracovna_cinnost_3=\"\",\"\",spoluziadatel_pracovna_cinnost_3)","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pracovný pomer od dátumu",null,null,null,null,null,null,null,null,{"$f":"IF(spoluziadatel_pomer_od_3=\"\",\"\",spoluziadatel_pomer_od_3)","v":""}]
[null,"Typ zamestnania",null,null,null,null,null,null,{"$f":"IF(spoluziadatel_pracovna_oblast_3=\"\",\"\",spoluziadatel_pracovna_oblast_3)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Forma vyplácania príjmu",null,null,null,null,null,null,null,null,{"$f":"IF(spoluziadatel_forma_vyplaty_3=\"\",\"\",spoluziadatel_forma_vyplaty_3)","v":""}]
[]
[null,"1) V dôsledku zmeny e-mailovej adresy uvedenej v tejto žiadosti dochádza k zmene e-mailovej adresy na zasielanie Výpisu z účtu elektronicky, pokiaľ som o tento spôsob zasielania Výpisu z účtu požiadal.  Zároveň aj prípadné ďalšie informácie zo strany ČSOB SP týkajúce sa zmlúv o stavebnom sporení a úverových zmlúv, ku ktorým sa poskytuje Výpis z účtu v elektronickej forme, budú zasielané na túto novú e-mailovú adresu.\nSpracovanie osobných údajov, tvoriacich predmet bankového tajomstva, na účely tohto obchodu vykonáva ČSOB SP v súlade so zákonom č. 483/2001 Z. z. o bankách a o zmene a doplnení niektorých zákonov v platnom znení a Nariadením EP a Rady (EÚ) 2016/679 o ochrane fyzických osôb pri spracúvaní osobných údajov a o voľnom pohybe takýchto údajov, ktorým sa zrušuje smernica 95/46/ES (všeobecné nariadenie o ochrane údajov) - GDPR, v prípade spracúvania osobných údajov v krajinách, ktoré neuplatňujú právo EÚ i podľa zák. č. 18/2018 Z. z. o ochrane osobných údajov.\n2) Vyhlasujem, že nie som osobou s osobitným vzťahom k banke v zmysle § 35 zákona č. 483/2001 Z. z. o bankách v platnom znení. V prípade, ak nastane zmena vo vzťahu k tomuto vyhláseniu, sa zaväzujem takúto zmenu oznámiť bez zbytočného odkladu.  Nepravdivosti tohto vyhlásenia má za následok neplatnosť tohto právneho úkonu. \n3) Vyhlasujem, že nie som politicky exponovaná osoba v zmysle zákona č. 297/2008 Z.z.\n4) Štát, v ktorom stavebný sporiteľ platí dane zo svojich celosvetových príjmov.\n5) Rodné číslo, DIČ alebo obchodné číslo používané pre daňové účely v štáte daňovej rezidencie.\n6) Vyplňte iba v prípade ak sa štát daňovej rezidencie líši od štátu uvedenom v trvalom pobyte stavebného sporiteľa.\n"]
[null,{"$f":"IF(spracovanie=list_EDS_spracovanie_komplet,\"Poradca: \" & EDS_meno_priezvisko_ks & \", provízne číslo: \" & EDS_prov_cislo_ks,\"Poradca: \" & FA_meno_priezvisko & \", provízne číslo: \" & FA_prov_cislo)","v":"Poradca: , provízne číslo: "}]
[null,"ČSOB stavebná sporiteľňa, a.s.\nBratislava 1, PSČ 811 02, Žižkova 11; IČO: 35 799 200; DIČ: 2021544030; IČ pre DPH: SK7020000218 \nzapísaná v Obchodnom registri Okresného súdu Bratislava I. v odd. Sa, vložka č. 2590/B\ninfolinka: 0800 111 303,  fax:  02 5966 7920; www.csob.sk; csobsp@csobsp.sk"]

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[]
[null,"OSOBNÉ ÚDAJE A HODNOTENIE\nPRISTUPITEĽA A JEHO MANŽELSKÉHO PARTNERA"]
[]
[]
[null,"Evidenčné číslo zmluvy:",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(cislo_ziadosti=\"\",\"\",cislo_ziadosti)","v":""},null,null,null,null,null,null,"Dátum žiadosti:",null,null,null,null,{"$f":"IF(datum_ziadosti=\"\",\"\",datum_ziadosti)","v":43885}]
[null,"Pristupiteľ:"]
[null,"Meno",null,null,null,null,{"$f":"IF(pristupitel_meno=\"\",\"\",pristupitel_meno)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"E-mail1)",null,null,null,null,null,null,null,null,{"$f":"IF(pristupitel_email=\"\",\"\",pristupitel_email)","v":""}]
[null,"Priezvisko",null,null,null,null,{"$f":"IF(pristupitel_priezvisko=\"\",\"\",pristupitel_priezvisko)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"Telefón",null,null,null,null,null,null,null,null,{"$f":"IF(pristupitel_telefon=\"\",\"\",pristupitel_telefon)","v":""}]
[null,"Rodné priezvisko",null,null,null,null,{"$f":"IF(pristupitel_rodne_priezvisko=\"\",\"\",pristupitel_rodne_priezvisko)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"S osobitným vzťahom k banke2)",null,null,null,null,null,null,null,null,{"$f":"IF(pristupitel_osobity_vztah=\"\",\"\",pristupitel_osobity_vztah)","v":""}]
[null,"Titul",null,null,null,null,{"$f":"IF(pristupitel_titul=\"\",\"\",pristupitel_titul)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"Politicky exponovaná osoba3)",null,null,null,null,null,null,null,null,{"$f":"IF(pristupitel_PEO=\"\",\"\",pristupitel_PEO)","v":""}]
[null,"Rodné číslo",null,null,null,null,{"$f":"IF(pristupitel_RC=\"\",\"\",pristupitel_RC)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"Číslo dokladu totožnosti",null,null,null,null,null,null,null,null,{"$f":"IF(pristupitel_OP=\"\",\"\",pristupitel_OP)","v":""}]
[]
[null,"Adresa trvalého bydliska"]
[null,"Ulica, číslo",null,null,null,null,null,null,{"$f":"IF(pristupitel_ulica=\"\",\"\",pristupitel_ulica)","v":""},null,null,null,null,null,null,null,null,null,null,null,"PSČ",null,null,null,null,null,null,null,null,{"$f":"IF(pristupitel_PSC=\"\",\"\",pristupitel_PSC)","v":""}]
[null,"Mesto",null,null,null,null,null,null,{"$f":"IF(pristupitel_mesto=\"\",\"\",pristupitel_mesto)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Štát",null,null,null,null,null,null,null,null,{"$f":"IF(pristupitel_stat=\"\",\"\",pristupitel_stat)","v":""}]
[]
[null,"Údaje o zamestnaní:"]
[null,"Druh pracovného pomeru",null,null,null,null,null,null,{"$f":"IF(pristupitel_prijem_z=\"\",\"\",pristupitel_prijem_z)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Typ pracovnej činnosti",null,null,null,null,null,null,null,null,{"$f":"IF(pristupitel_pracovna_cinnost=\"\",\"\",pristupitel_pracovna_cinnost)","v":""}]
[null,"Zdroj príjmu - štát",null,null,null,null,null,null,{"$f":"IF(pristupitel_zdroj_prijmu_stat=\"\",\"\",pristupitel_zdroj_prijmu_stat)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Pracovný pomer od dátumu",null,null,null,null,null,null,null,null,{"$f":"IF(pristupitel_pomer_od=\"\",\"\",pristupitel_pomer_od)","v":""}]
[null,"Typ zamestnania",null,null,null,null,null,null,{"$f":"IF(pristupitel_pracovna_oblast=\"\",\"\",pristupitel_pracovna_oblast)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Forma vyplácania príjmu",null,null,null,null,null,null,null,null,{"$f":"IF(pristupitel_forma_vyplaty=\"\",\"\",pristupitel_forma_vyplaty)","v":""}]
[]
[]
[null,"Pracovná pozícia",null,null,null,null,null,null,{"$f":"IF(pristupitel_prac_pozicia=\"\",\"\",pristupitel_prac_pozicia)","v":""},null,null,null,null,null,null,null,null,null,null,"Podnikateľská činnosť pristupiteľa:",null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(pristupitel_druh_podnikania,\"\")","v":""}]
[]
[null,"Údaje o zamestnaní 2:"]
[null,"Druh pracovného pomeru",null,null,null,null,null,null,{"$f":"IF(pristupitel_prijem_z_2=\"\",\"\",pristupitel_prijem_z_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Typ pracovnej činnosti",null,null,null,null,null,null,null,null,{"$f":"IF(pristupitel_pracovna_cinnost_2=\"\",\"\",pristupitel_pracovna_cinnost_2)","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pracovný pomer od dátumu",null,null,null,null,null,null,null,null,{"$f":"IF(pristupitel_pomer_od_2=\"\",\"\",pristupitel_pomer_od_2)","v":""}]
[null,"Typ zamestnania",null,null,null,null,null,null,{"$f":"IF(pristupitel_pracovna_oblast_2=\"\",\"\",pristupitel_pracovna_oblast_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Forma vyplácania príjmu",null,null,null,null,null,null,null,null,{"$f":"IF(pristupitel_forma_vyplaty_2=\"\",\"\",pristupitel_forma_vyplaty_2)","v":""}]
[]
[null,"Údaje o zamestnaní 3:"]
[null,"Druh pracovného pomeru",null,null,null,null,null,null,{"$f":"IF(pristupitel_prijem_z_3=\"\",\"\",pristupitel_prijem_z_3)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Typ pracovnej činnosti",null,null,null,null,null,null,null,null,{"$f":"IF(pristupitel_pracovna_cinnost_3=\"\",\"\",pristupitel_pracovna_cinnost_3)","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pracovný pomer od dátumu",null,null,null,null,null,null,null,null,{"$f":"IF(pristupitel_pomer_od_3=\"\",\"\",pristupitel_pomer_od_3)","v":""}]
[null,"Typ zamestnania",null,null,null,null,null,null,{"$f":"IF(pristupitel_pracovna_oblast_3=\"\",\"\",pristupitel_pracovna_oblast_3)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Forma vyplácania príjmu",null,null,null,null,null,null,null,null,{"$f":"IF(pristupitel_forma_vyplaty_3=\"\",\"\",pristupitel_forma_vyplaty_3)","v":""}]
[]
[]
[]
[null,"Manželský partner pristupiteľa:"]
[null,"Meno",null,null,null,null,{"$f":"IF(manz_pristupitela_meno=\"\",\"\",manz_pristupitela_meno)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"E-mail1)",null,null,null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_email=\"\",\"\",manz_pristupitela_email)","v":""}]
[null,"Priezvisko",null,null,null,null,{"$f":"IF(manz_pristupitela_priezvisko=\"\",\"\",manz_pristupitela_priezvisko)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"Telefón",null,null,null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_telefon=\"\",\"\",manz_pristupitela_telefon)","v":""}]
[null,"Rodné priezvisko",null,null,null,null,{"$f":"IF(manz_pristupitela_rodne_priezvisko=\"\",\"\",manz_pristupitela_rodne_priezvisko)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"S osobitným vzťahom k banke2)",null,null,null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_osobity_vztah=\"\",\"\",manz_pristupitela_osobity_vztah)","v":""}]
[null,"Titul",null,null,null,null,{"$f":"IF(manz_pristupitela_titul=\"\",\"\",manz_pristupitela_titul)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"Politicky exponovaná osoba3)",null,null,null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_PEO=\"\",\"\",manz_pristupitela_PEO)","v":""}]
[null,"Rodné číslo",null,null,null,null,{"$f":"IF(manz_pristupitela_RC=\"\",\"\",manz_pristupitela_RC)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"Číslo dokladu totožnosti",null,null,null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_OP=\"\",\"\",manz_pristupitela_OP)","v":""}]
[]
[null,"Adresa trvalého bydliska"]
[null,"Ulica, číslo",null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_ulica=\"\",\"\",manz_pristupitela_ulica)","v":""},null,null,null,null,null,null,null,null,null,null,null,"PSČ",null,null,null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_PSC=\"\",\"\",manz_pristupitela_PSC)","v":""}]
[null,"Mesto",null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_mesto=\"\",\"\",manz_pristupitela_mesto)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Štát",null,null,null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_stat=\"\",\"\",manz_pristupitela_stat)","v":""}]
[]
[null,"Údaje o zamestnaní:"]
[null,"Druh pracovného pomeru",null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_prijem_z=\"\",\"\",manz_pristupitela_prijem_z)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Typ pracovnej činnosti",null,null,null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_pracovna_cinnost=\"\",\"\",manz_pristupitela_pracovna_cinnost)","v":""}]
[null,"Zdroj príjmu - štát",null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_zdroj_prijmu_stat=\"\",\"\",manz_pristupitela_zdroj_prijmu_stat)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Pracovný pomer od dátumu",null,null,null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_pomer_od=\"\",\"\",manz_pristupitela_pomer_od)","v":""}]
[null,"Typ zamestnania",null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_pracovna_oblast=\"\",\"\",manz_pristupitela_pracovna_oblast)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Forma vyplácania príjmu",null,null,null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_forma_vyplaty=\"\",\"\",manz_pristupitela_forma_vyplaty)","v":""}]
[]
[]
[null,"Pracovná pozícia",null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_prac_pozicia=\"\",\"\",manz_pristupitela_prac_pozicia)","v":""},null,null,null,null,null,null,null,null,null,"Podn. čin. manž. partnera pristupiteľa :",null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(manz_pristupitela_druh_podnikania,\"\")","v":""}]
[]
[null,"Údaje o zamestnaní 2:"]
[null,"Druh pracovného pomeru",null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_prijem_z_2=\"\",\"\",manz_pristupitela_prijem_z_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Typ pracovnej činnosti",null,null,null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_pracovna_cinnost_2=\"\",\"\",manz_pristupitela_pracovna_cinnost_2)","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pracovný pomer od dátumu",null,null,null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_pomer_od_2=\"\",\"\",manz_pristupitela_pomer_od_2)","v":""}]
[null,"Typ zamestnania",null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_pracovna_oblast_2=\"\",\"\",manz_pristupitela_pracovna_oblast_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Forma vyplácania príjmu",null,null,null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_forma_vyplaty_2=\"\",\"\",manz_pristupitela_forma_vyplaty_2)","v":""}]
[]
[null,"Údaje o zamestnaní 3:"]
[null,"Druh pracovného pomeru",null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_prijem_z_3=\"\",\"\",manz_pristupitela_prijem_z_3)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Typ pracovnej činnosti",null,null,null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_pracovna_cinnost_3=\"\",\"\",manz_pristupitela_pracovna_cinnost_3)","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pracovný pomer od dátumu",null,null,null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_pomer_od_3=\"\",\"\",manz_pristupitela_pomer_od_3)","v":""}]
[null,"Typ zamestnania",null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_pracovna_oblast_3=\"\",\"\",manz_pristupitela_pracovna_oblast_3)","v":""},null,null,null,null,null,null,null,null,null,null,null,"Forma vyplácania príjmu",null,null,null,null,null,null,null,null,{"$f":"IF(manz_pristupitela_forma_vyplaty_3=\"\",\"\",manz_pristupitela_forma_vyplaty_3)","v":""}]
[]
[null,"1) V dôsledku zmeny e-mailovej adresy uvedenej v tejto žiadosti dochádza k zmene e-mailovej adresy na zasielanie Výpisu z účtu elektronicky, pokiaľ som o tento spôsob zasielania Výpisu z účtu požiadal.  Zároveň aj prípadné ďalšie informácie zo strany ČSOB SP týkajúce sa zmlúv o stavebnom sporení a úverových zmlúv, ku ktorým sa poskytuje Výpis z účtu v elektronickej forme, budú zasielané na túto novú e-mailovú adresu.\nSpracovanie osobných údajov, tvoriacich predmet bankového tajomstva, na účely tohto obchodu vykonáva ČSOB SP v súlade so zákonom č. 483/2001 Z. z. o bankách a o zmene a doplnení niektorých zákonov v platnom znení a Nariadením EP a Rady (EÚ) 2016/679 o ochrane fyzických osôb pri spracúvaní osobných údajov a o voľnom pohybe takýchto údajov, ktorým sa zrušuje smernica 95/46/ES (všeobecné nariadenie o ochrane údajov) - GDPR, v prípade spracúvania osobných údajov v krajinách, ktoré neuplatňujú právo EÚ i podľa zák. č. 18/2018 Z. z. o ochrane osobných údajov.\n2) Vyhlasujem, že nie som osobou s osobitným vzťahom k banke v zmysle § 35 zákona č. 483/2001 Z. z. o bankách v platnom znení. V prípade, ak nastane zmena vo vzťahu k tomuto vyhláseniu, sa zaväzujem takúto zmenu oznámiť bez zbytočného odkladu.  Nepravdivosti tohto vyhlásenia má za následok neplatnosť tohto právneho úkonu. \n3) Vyhlasujem, že nie som politicky exponovaná osoba v zmysle zákona č. 297/2008 Z.z."]
[null,{"$f":"IF(spracovanie=list_EDS_spracovanie_komplet,\"Poradca: \" & EDS_meno_priezvisko_ks & \", provízne číslo: \" & EDS_prov_cislo_ks,\"Poradca: \" & FA_meno_priezvisko & \", provízne číslo: \" & FA_prov_cislo)","v":"Poradca: , provízne číslo: "}]
[null,"ČSOB stavebná sporiteľňa, a.s.\nBratislava 1, PSČ 811 02, Žižkova 11; IČO: 35 799 200; DIČ: 2021544030; IČ pre DPH: SK7020000218 \nzapísaná v Obchodnom registri Okresného súdu Bratislava I. v odd. Sa, vložka č. 2590/B\ninfolinka: 0800 111 303,  fax:  02 5966 7920; www.csob.sk; csobsp@csobsp.sk"]

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["Potvrdenie o odovzdaní produktov ČSOB Stavebnej sporiteľne"]
[]
[]
[]
[]
[]
[null,"Základné údaje o obchodnom zástupcovi"]
[]
[null,"Obchodný zástupca (názov spoločnosti)",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_FA_nazov_spol=\"\",\"\",RK_FA_nazov_spol),IF(EDS_spolocnost_ks=\"\",\"\",EDS_spolocnost_ks))","v":""}]
[null,"Meno agenta",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_FA_priezvisko=\"\",\"\",RK_FA_meno & \" \" & RK_FA_priezvisko),IF(EDS_meno_priezvisko_ks=\"\",\"\",EDS_meno_priezvisko_ks))","v":""}]
[null,"Provízne číslo",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_FA_provcis=\"\",\"\",RK_FA_provcis),IF(EDS_prov_cislo_ks=\"\",\"\",EDS_prov_cislo_ks))","v":""}]
[]
[null,"Kompletné spracovanie (S)",null,null,null,null,null,null,null,null,null,null,"áno"]
[]
[null,"Základné údaje o klientovi"]
[]
[null,"Číslo žiadosti z MA:",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_cislo_zmluvy=\"\",\"\",RK_cislo_zmluvy),IF(cislo_ziadosti=\"\",\"\",cislo_ziadosti))","v":""}]
[]
[null,"Meno klienta",null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_ziadatel_meno=\"\",\"\",RK_ziadatel_meno & \" \" ) & IF(RK_ziadatel_priezvisko=\"\",\"\",RK_ziadatel_priezvisko),IF(OR(ziadatel_meno=\"\",ziadatel_priezvisko=\"\"),\"\",ziadatel_meno & \" \" & ziadatel_priezvisko & \", \" & ziadatel_titul))","v":""}]
[null,"Dátum narodenia",null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_ziadatel_rc=\"\",\"\",RCtoDATUM(RK_ziadatel_rc)),IF(ziadatel_RC=\"\",\"\",RCtoDATUM(ziadatel_RC)))","v":""}]
[null,"Výška úveru",null,null,null,null,null,{"$f":"IF(p_REKO,IF(RK_ziadost_vyska_uveru=\"\",\"\",RK_ziadost_vyska_uveru),IF(vyska_uveru=\"\",\"\",vyska_uveru))","v":""}]
[null,"Typ úveru",null,null,null,null,null,{"$f":"IF(p_REKO,\"REKO úver\",IF(typ_uveru=\"\",\"\",typ_uveru))","v":"REKO úver"}]
[null,"Poznámka",null,null,null,null,null,{"$f":"IF(potvrdenie_poznamka=\"\",\"\",potvrdenie_poznamka)","v":""}]
[]
[]
[]
[]
[]
[null,"Obchodný zástupca svojim podpisom potvrdzuje správnosť zadaných údajov."]
[]
[null,"Dátum a čas prevzatia",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Meno a priezvisko pracovníka banky/ 1.podpisujúceho UZ"]
[null,"Miesto prevzatia"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Osobné číslo "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pobočka/číslo, adresa",null,null,null,null,null,null,null,null,{"$f":"IF(potvrdenie_pobocka<>\"\",potvrdenie_pobocka,IF(p_REKO,RK_FA_pobocka,EDS_pobocka))","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Provízne číslo pobočky",null,null,null,null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(AC34,pobocky_banka,2,FALSE),\"\")","v":""}]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,"Podpis Agenta",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Podpis pracovníka banky"]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Meno a priezvisko 2.podpisujúceho UZ"]

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[null,"ZÁZNAM ZO STRETNUTIA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true,{"$f":"COUNTA($AN:$AN)","v":104}]
[null,"spísaný finančným agentom podľa zákona č. 186/2009 Z.z. o finančnom sprostredkovaní a finančnom poradenstve a o zmene a doplnení niektorých zákonov (ďalej len „zákon“)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true,{"$f":"COUNTIF($AN:$AN,TRUE)","v":104}]
[null,"KLIENT",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true,{"$f":"COUNTIF($AN:$AN,FALSE)","v":0}]
[null,"Meno a priezvisko, titul",null,null,null,null,null,null,{"$f":"zaznam_klient_meno","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rodné číslo",null,null,null,null,{"$f":"zaznam_klient_RC","v":""},null,null,null,null,null,null,null,true]
[null,"Adresa trvalého pobytu",null,null,null,null,null,null,{"$f":"zaznam_klient_adresa","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Telefón",null,null,null,null,{"$f":"IF(zaznam_klient_telefon=\"\",\"\",zaznam_klient_telefon)","v":""},null,null,null,null,null,null,null,true]
[null,"E-mail",null,null,null,null,null,null,{"$f":"zaznam_klient_email","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mobil",null,null,null,null,{"$f":"IF(zaznam_klient_mobil=\"\",\"\",zaznam_klient_mobil)","v":""},null,null,null,null,null,null,null,true]
[]
[null,"FINANČNÝ AGENT (sprostredkovateľ finančnej služby)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Názov:",null,null,null,null,null,null,null,null,null,null,null,"Československá obchodná banka, a.s.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Miesto podnikania:",null,null,null,null,null,null,null,null,null,null,null,"Žižkova 11, 811 02  Bratislava",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Registrácia v registri NBS pod č.:",null,null,null,null,null,null,null,null,null,null,null,131420,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Registračné číslo agenta vo finančnej inštitúcií:",null,null,null,null,null,null,null,null,null,null,null,{"$f":"zaznam_zo_stretnutia!H13","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"POŽIADAVKY A POTREBY KLIENTA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Uvažujete o možnosti zobrať si úver?\n",null,null,null,null,null,null,null,null,null,null,null,null,"Predbežná výška požadovaného úveru",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(predbezna_vyska=\"\",\"\",predbezna_vyska)","v":""},null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Očakávaná dĺžka splácania úveru",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ocakavana_dlzka=\"\",\"\",ocakavana_dlzka)","v":""},null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,{"$f":"IF(moznost_uver1,\"X\",\"\")","v":""},"áno",null,{"$f":"IF(moznost_uver2,\"X\",\"\")","v":""},"nie",null,null,null,null,"Očakávaná výška mesačnej splátky",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ocakavana_vyska=\"\",\"\",ocakavana_vyska)","v":""},null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Účel úveru",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ucel_uveru=\"\",\"\",ucel_uveru)","v":""},null,null,null,null,null,null,null,null,null,null,true]
[null,"Uvažujete o možnosti výhodného sporenia?",null,null,null,null,null,null,null,null,null,null,null,null,"Očakávaná dĺžka sporenia",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ocakavana_dlzka_sp=\"\",\"\",ocakavana_dlzka_sp)","v":""},null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,{"$f":"IF(moznost_sporenie1,\"X\",\"\")","v":""},"áno",null,{"$f":"IF(moznost_sporenie2,\"X\",\"\")","v":""},"nie",null,null,null,null,"Očakávaná výška mesačnej/jednorázovej platby",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ocakavana_vyska_sp=\"\",\"\",ocakavana_vyska_sp)","v":""},null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Ostatné požiadavky",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ostatne_poziadavky=\"\",\"\",ostatne_poziadavky)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"SKÚSENOSTI A ZNALOSTI KLIENTA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Aké finančné sporiace a investičné produkty\nvyužívate v súčasnosti alebo ste využívali v minulosti?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(vyuzivane_produkty1,\"X\",\"\")","v":""},"Stavebné sporenie",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(vyuzivane_produkty4,\"X\",\"\")","v":""},"Bežný účet",null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(vyuzivane_produkty2,\"X\",\"\")","v":""},"Vkladná knižka",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(vyuzivane_produkty5,\"X\",\"\")","v":""},"Termínovaný účet",null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(vyuzivane_produkty3,\"X\",\"\")","v":""},"Kolektívne investovanie",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(vyuzivane_produkty6,\"X\",\"\")","v":""},"Iné",{"$f":"IF(ine_skusenosti1=\"\",\"\",ine_skusenosti1)","v":""},null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Aké finančné úverové produkty využívate v sú-\nčasnosti alebo ste využívali v minulosti?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(vyuzivane_produkty7,\"X\",\"\")","v":""},"Úver zo stavebného sporenia",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(vyuzivane_produkty9,\"X\",\"\")","v":""},"Hypotekárny úver",null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(vyuzivane_produkty8,\"X\",\"\")","v":""},"Spotrebiteľský úver",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(vyuzivane_produkty10,\"X\",\"\")","v":""},"Iné",{"$f":"IF(ine_skusenosti2=\"\",\"\",ine_skusenosti2)","v":""},null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Ste, resp. boli ste klientom stavebnej sporiteľne?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Súčasný/bývalý klient ČSOB Stavebnej sporiteľne",null,null,null,null,null,null,null,null,null,null,null,"Súčasný/bývalý klient \ninej stavebnej sporiteľne",null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(klient_SS1,\"X\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(klient_SS3,\"X\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(klient_SS2,\"X\",\"\")","v":""},"Neklient",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Klientove znalosti o produkte stavebného sporenia"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(klient_znalostSS_1,\"X\",\"\")","v":""},"má postačujúce",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(klient_znalostSS_2,\"X\",\"\")","v":""},"nemá znalosti"]
[]
[null,"Klientove znalosti s úverom zo stavebnej sporiteľne"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(klient_znalostUV_1,\"X\",\"\")","v":""},"má postačujúce",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(klient_znalostUV_2,\"X\",\"\")","v":""},"nemá znalosti"]
[]
[]
[null,"FINANČNÉ UKAZOVATELE KLIENTA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Aká je výška priemerného čistého mesačného príjmu Vašej domácnosti?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(vyska_prijem1,\"X\",\"\")","v":""},"od 0€ do 400€",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(vyska_prijem3,\"X\",\"\")","v":""},"od 1 001€ do 2 000€",null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(vyska_prijem2,\"X\",\"\")","v":""},"od 401€ do 1 000€",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(vyska_prijem4,\"X\",\"\")","v":""},"2 001€ a viac",null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Aká je výška priemerných mesačných\nvýdavkov Vašej domácnosti?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(vyska_vydavky1,\"X\",\"\")","v":""},"od 0€ do 500€",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(vyska_vydavky3,\"X\",\"\")","v":""},"1 001€ a viac",null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(vyska_vydavky2,\"X\",\"\")","v":""},"od 501€ do 1 000€",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Aké zmeny Vášho bývania plánujete v období\npribližne 5 rokov?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(zmeny_byvania2,\"X\",\"\")","v":""},"Rekonštrukcia/modernizácia bytu,RD",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(zmeny_byvania5,\"X\",\"\")","v":""},"Prístavba, nadstavba RD",null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(zmeny_byvania3,\"X\",\"\")","v":""},"Iné",{"$f":"IF(kvalita_byvania2=\"\",\"\",kvalita_byvania2)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"KVALITA ŽIVOTA A BUDÚCNOSTI",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Ako máte zabezpečenú svoju osobu a svoju \nrodinu?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(zabezpecenie1,\"X\",\"\")","v":""},"Životné poistenie",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(zabezpecenie3,\"X\",\"\")","v":""},"Úrazové poistenie",null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(zabezpecenie2,\"X\",\"\")","v":""},"Poistenie detí",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(zabezpecenie4,\"X\",\"\")","v":""},"Iné",{"$f":"IF(kvalita_zivota1=\"\",\"\",kvalita_zivota1)","v":""},null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Ako si vytvárate finančnú rezervu\ndo budúcnosti?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(rezerva1,\"X\",\"\")","v":""},"Termínované a sporiace účty",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(rezerva4,\"X\",\"\")","v":""},"Stavebné sporenie",null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(rezerva2,\"X\",\"\")","v":""},"Komerčné poistenie",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(rezerva5,\"X\",\"\")","v":""},"Kolektívne investovanie",null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(rezerva3,\"X\",\"\")","v":""},"Iné sporenie",null,null,null,{"$f":"IF(kvalita_zivota2=\"\",\"\",kvalita_zivota2)","v":""},null,null,null,null,null,null,{"$f":"IF(rezerva6,\"X\",\"\")","v":""},"Nevytváram si rezervu",null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Využívate štátne prémie a daňové výhody?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(statna_premia_ano,\"X\",\"\")","v":""},"áno",null,{"$f":"IF(statna_premia_nie,\"X\",\"\")","v":""},"nie",null,null,null,null,null,null,"Na koľko členov rodiny",null,null,null,null,null,{"$f":"IF(kvalita_zivota3=\"\",\"\",kvalita_zivota3)","v":""},null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[]
[null,null,{"$f":"IF(odmietnutie,\"X\",\"\")","v":""},"Odmietam uviesť informácie ohľadne mojich potrieb a požiadaviek a trvám na poskytnutí nasledovnej finančnej služby"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Záznam zo stretnutia str. 1/3",null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"ZÁZNAM ZO STRETNUTIA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true,{"$f":"COUNTA($AN:$AN)","v":104}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true,{"$f":"COUNTIF($AN:$AN,TRUE)","v":104}]
[]
[null,"Podľa zistenia potrieb a požiadaviek finančný agent odporučil nasledovnú finančnú službu a klient súhlasil:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Názov finančnej služby",null,null,null,null,null,null,null,null,null,null,null,"Typ sporenia",null,null,null,null,"Číslo zmluvy/návrhu",null,null,null,null,null,"Cieľová suma/Výška úveru",null,null,null,null,null,null,null,"Dĺžka zmluvy*",null,null,null,null,null,null,true]
[null,{"$f":"IF(nazov1=\"\",\"\",nazov1)","v":"úver"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(_typ1=\"\",\"\",_typ1)","v":"REKO úver"},null,null,null,null,{"$f":"IF(cislo1=\"\",\"\",cislo1)","v":""},null,null,null,null,null,{"$f":"IF(vyska1=\"\",\"\",vyska1)","v":0},null,null,null,null,null,null,null,{"$f":"IF(dlzka1=\"\",\"\",dlzka1)","v":0},null,null,null,null,null,null,true]
[null,{"$f":"IF(nazov2=\"\",\"\",nazov2)","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(_typ2=\"\",\"\",_typ2)","v":""},null,null,null,null,{"$f":"IF(cislo2=\"\",\"\",cislo2)","v":""},null,null,null,null,null,{"$f":"IF(vyska2=\"\",\"\",vyska2)","v":""},null,null,null,null,null,null,null,{"$f":"IF(dlzka2=\"\",\"\",dlzka2)","v":""},null,null,null,null,null,null,true]
[null,{"$f":"IF(nazov3=\"\",\"\",nazov3)","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(_typ3=\"\",\"\",_typ3)","v":""},null,null,null,null,{"$f":"IF(cislo3=\"\",\"\",cislo3)","v":""},null,null,null,null,null,{"$f":"IF(vyska3=\"\",\"\",vyska3)","v":""},null,null,null,null,null,null,null,{"$f":"IF(dlzka3=\"\",\"\",dlzka3)","v":""},null,null,null,null,null,null,true]
[null,"Poznámka:",null,null,null,{"$f":"IF(poznamka=\"\",\"\",poznamka)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"* Dĺžka splatnosti úveru, dĺžka sporenia",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[]
[null,"Posúdenie vhodnosti produktu:"]
[]
[null,{"$f":"IF(posudenie_1,\"X\",\"\")","v":""},"vyššie uvedený produkt je pre klienta vhodný"]
[]
[null,{"$f":"IF(posudenie_2,\"X\",\"\")","v":""},"vyššie uvedený produkt je pre klienta nevhodný. Klient napriek tomu požaduje uzatvorenie zmluvy."]
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[null,"Spoločnosť neudelila finančnému agentovi oprávnenie preberať akúkoľvek finančnú hotovosť od klienta, vyberať vklady a prijímať finančné plnenie za poskytnuté finančné sprostredkovanie.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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[null,"Oprávnenie poskytovať finančné sprostredkovanie:\nFinančný agent vykonáva finančné sprostredkovanie v zmysle zákona, a to na základe písomnej zmluvy s ČSOB stavebnou sporiteľňou, a.s., Žižkova 11, 811 02 Bratislava, IČO: 35 799 200 zapísanou v Obchodnom registri Okresného súdu Bratislava I, oddiel: Sa, vložka číslo: 2590/B (ďalej len „Spoločnosť“) ako finančnou inštitúciou, pričom táto zmluva má výhradnú povahu. Finančný agent, ktorý s klientom spisuje tento záznam, musí byť v registri Národnej banky Slovenska zapísaný tak v podregistri prijímania vkladov, ako aj v podregistri poskytovania úverov, úverov na bývanie a spotrebiteľských úverov, pričom v oboch prípadoch ide o zoznam viazaných finančných agentov. Zápis v jednotlivých podregistroch ako aj registračné číslo finančného agenta je možné overiť na internetovej stránke Národnej banky Slovenska www.nbs.sk v časti dohľad nad finančným trhom.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Informácia o spôsobe ochrany v prípade zlyhania finančnej inštitúcie: \nČinnosť Spoločnosti  je vykonávaná pod dohľadom Národnej banky Slovenska. Produkty Spoločnosti vo forme vkladov sú chránené prostredníctvom Fondu ochrany vkladov, ktorý bol zriadený zákonom NR SR č. 118/1996 Z.z. o ochrane vkladov a o zmene a doplnení niektorých zákonov v znení neskorších predpisov. Záväzky dlžníka voči veriteľovi môžu byť postúpené inej úverovej inštitúcii alebo inému postupníkovi, voči ktorému bude dlžník povinný naďalej plniť svoje záväzky zo zmluvy, pričom postupca je povinný dlžníkovi túto zmenu oznámiť písomne.\n",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Právne následky uzatvorenia zmluvy o poskytnutí finančnej služby: \nPrávnym následkom uzatvorenia zmluvy o finančnej službe je predovšetkým vznik práv a povinností klienta aj finančnej inštitúcie, vyplývajúcich so zmluvy o stavebnom sporení / úverovej zmluvy a všeobecných obchodných podmienok. Zmluva o finančnej službe je záväzok oboch zmluvných strán respektíve právo na dohodnuté finančné plnenie na dohodnutú dobu. Porušenie povinností vyplývajúcich pre Klienta zo zmluvy o finančnej služby je spojené so sankciami uvedenými v predmetnej zmluve o finančnej službe, a k nej príslušných obchodných podmienkach. \n",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Kvalifikované účasti: \nFinančný agent nemá žiadny podiel na základnom imaní ani na hlasovacích právach Spoločnosti. Spoločnosť, ani osoba ovládajúca Spoločnosť nemá žiadny podiel na základnom imaní finančného agenta ani na hlasovacích právach finančného agenta.\n",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Odmena za finančné sprostredkovanie: \nFinančný agent prijíma za finančné sprostredkovanie vo vzťahu k uzatváranej zmluve o finančnej službe peňažné alebo nepeňažné plnenie od Spoločnosti v súlade s platnými províznymi poriadkami Spoločnosti, pričom v prípade, že klient požaduje byť informovaný aj o výške odmeny je finančný agent povinný mu ju oznámiť. Nepeňažné plnenie súvisí s možnými súťažami alebo bonusmi podľa dohodnutých podmienok medzi Spoločnosťou a finančným agentom.\n",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Vyhlásenie Finančného agenta: \nV súvislosti s vykonávaním finančného sprostredkovania neposkytol klientovi žiadne finančné výhody alebo výhody hmotnej alebo nehmotnej povahy, ani neprijal od klienta akékoľvek peňažné alebo nepeňažné plnenie.\n"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Záznam zo stretnutia str. 2/3",null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"ZÁZNAM ZO STRETNUTIA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true,{"$f":"COUNTA($AN:$AN)","v":104}]
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[null,"Postup pri podávaní sťažností: \nPrípadné sťažnosti je možné podať:\na) písomne na adresu: Kontaktné centrum ČSOB, Žižkova 11, 811 02 Bratislava\nb) e-mailom na adresu: csobsp@csob.sk prostredníctvom kontaktného formulára zverejneného na internetovej stránke Spoločnosti www.csob.sk\nc) príslušnému orgánu dohľadu, ktorým je Národná banka Slovenska, Imricha Karvaša 1, 813 25 Bratislava, SR.\nPodaním sťažnosti, podľa vyššie uvedeného, nie je dotknuté právo klienta riešiť prípadné spory vyplývajúce z finančného sprostredkovania formou mimosúdneho vyrovnania (napr. podľa zákona č. 420/2004 Z.z. o mediácii a o doplnení niektorých zákonov v platnom znení) alebo prostredníctvom súdneho konania v súlade s príslušnými osobitnými právnymi predpismi.\nReklamačný poriadok je k dispozícii na stránke www.csob.sk.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[]
[null,"Vyhlásenie klienta:\nVyhlasujem, že mi bola v súlade s ustanovením § 35 ods. 1 až 3 zákona, jasnou a zrozumiteľnou formou prezentovaná obchodná ponuka Spoločnosti, na základe ktorej som si vybral vyššie uvedenú finančnú službu a to slobodne a bez nátlaku. Som si vedomý právnych následkov uzatvorenia zmluvy o poskytnutí finančnej služby a o spôsoboch a systéme ochrany pred zlyhaním finančnej inštitúcie. Taktiež vyhlasujem, že som informovaný o poplatkoch a iných nákladoch súvisiacich s finančnou službou, pričom finančný agent mi odovzdal informácie o poplatkoch a ostatných nákladoch v písomnej forme. \n\nVyhlasujem, že nemám žiadne pochybnosti a ani nejasnosti o finančnej službe, ktorá mi je sprostredkovaná a že mi boli poskytnuté všetky informácie podľa § 33 zákona a že všetky informácie, potrebné pre rozhodnutie, som dostal v dostatočnom časovom predstihu pred uzatvorením zmluvy.\nBeriem na vedomie, že finančný agent je v súlade s ustanovením § 31 zákona oprávnený získavať od klienta osobné údaje a iné informácie od klienta a od zástupcu klienta.\n\nSpracovanie osobných údajov za účelom finančného sprostredkovania vykonáva finančný agent v súlade so zákonom č. 186/2009 Z.z. o finančnom sprostredkovaní a finančnom poradenstve a o zmene a doplnení niektorých zákonov, Nariadením EP a Rady (EÚ) 2016/679 o ochrane fyzických osôb pri spracúvaní osobných údajov a o voľnom pohybe takýchto údajov, ktorým sa zrušuje smernica 95/46/ES (všeobecné nariadenie o ochrane údajov)- GDPR, v prípade spracúvania osobných údajov v krajinách, ktoré neuplatňujú právo EÚ i podľa zák. č. 18/2018 Z. z. o ochrane osobných údajov. Viac informácií o zásadách spracúvania osobných údajov sa nachádza na www.csob.sk/pravne-informacie#memorandum-ochrany-osobnych-udajov, alebo v priestoroch pobočiek ČSOB.\n\nSvojim podpisom potvrdzujem, že všetky mnou uvedené údaje sú pravdivé, úplné, pravé a správne. Na znak súhlasu s uvedenými údajmi a vyhláseniami na oboch stranách záznamu zo stretnutia predmetný záznam zo stretnutia podpisujem.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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[null,null,"V",{"$f":"IF(p_REKO,IF(RK_miesto=\"\",\"\",RK_miesto ),IF(ziadost_miesto=\"\",\"\",ziadost_miesto))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"dňa",null,{"$f":"IF(p_REKO,IF(RK_miesto=\"\",\"\",TEXT(RK_ziadost_datum,\"d.m.yyyy\")),IF(ziadost_miesto=\"\",\"\",TEXT(datum_ziadosti,\"d.m.yyyy\")))","v":""}]
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[null,null,"podpis žiadateľa o úver",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"podpis finančného agenta",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Záznam zo stretnutia str. 3/3"]

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[null,null,null,"SÚHLAS S POSKYTNUTÍM A SO SPRACÚVANÍM OSOBNÝCH ÚDAJOV"]
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[null,null,null,"podľa Nariadenia Európskeho parlamentu a Rady č. 2016/679 o ochrane fyzických osôb pri spracúvaní osobných údajov a o voľnom pohybe takýchto údajov (všeobecné nariadenie o ochrane údajov)."]
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[null,null,null,"Vážený klient a záujemca o uzatvorenie zmluvného vzťahu,"]
[]
[null,null,null,"\n","aj naďalej Vám chceme prinášať riešenia, ktoré vyhovujú Vašim individuálnym potrebám. Podpisom Súhlasu s poskytnutím osobných údajov a ich spracúvaním vyjadrujete súhlas s poskytnutím Vašich osobných údajov a s ich následným spracúvaním pre Československú obchodnú banku, a.s., IČO: 36 854 140, ČSOB Poisťovňu, a.s., IČO: 31 325 416, ČSOB stavebnú sporiteľňu, a.s., IČO: 35 799 200, ČSOB Leasing, a.s., IČO: 35 704 713, ČSOB Leasing poisťovací maklér, s.r.o., IČO: 35 887 222, KBC Asset Management NV, pobočka zahraničnej správcovskej spoločnosti, IČO: 47 243 929 (ďalej všetko spolu ako „ČSOB Finančná skupina“), a to pre všetkých členov ČSOB Finančnej skupiny, vrátane ich právnych nástupcov, jednotlivo, ale i medzi jednotlivými členmi navzájom na účely uvedené ďalej v tomto tlačive, čo prispeje ku kvalitnejšiemu poskytovaniu produktov a služieb všetkých členov ČSOB Finančnej skupiny. Vaše osobné údaje chránime rovnako dôsledne ako Vaše investície. Aktuálny zoznam členov ČSOB Finančnej skupiny nájdete na www.csob.sk/memorandum."]
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[null,null,null,"Meno a priezvisko:"]
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[null,null,null,"Bydlisko:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Dátum narodenia:"]
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[null,null,null,"Týmto súhlasím s poskytnutím svojich osobných údajov v nižšie uvedenom rozsahu a s ich následným spracúvaním pre všetkých členov ČSOB Finančnej skupiny na účel prípravy a realizácie marketingových aktivít súvisiacich s poskytovaní produktov a služieb členov ČSOB Finančnej skupiny. Súhlasím s tým, aby v rámci uvedeného účelu boli moje osobné údaje analyzované a profilované, na základe čoho mi môžu členovia ČSOB Finančnej skupiny adresovať podľa mojich preferencií marketingové ponuky. Tento súhlas udeľujem k nasledovným osobným údajom: meno, priezvisko, dátum narodenia, pohlavie, adresa, e-mailová adresa, telefónne číslo, geolokačné údaje, socio-demografické údaje, transakčné údaje, údaje získané na základe analýz, údaje z internetových stránok a aplikácií a údaje získané pri zriadení a využívaní produktov a služieb všetkých členov ČSOB Finančnej skupiny."]
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[null,null,null,"Týmto súhlasím s poskytnutím svojich osobných údajov a s ich následným spracúvaním pre všetkých členov ČSOB Finančnej skupiny na účel oslovenia, realizácie, vyhodnotenia a určenia výhercov a súťažiacich v spotrebiteľských súťažiach.\nV rozsahu sú nasledovné osobné údaje: meno, priezvisko, dátum narodenia, pohlavie, adresa, e-mailová adresa, telefónne číslo, socio-demografické údaje, transakčné údaje a údaje získané pri zriadení a využívaní produktov a služieb všetkých členov ČSOB Finančnej skupiny."]
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[null,null,null,"ČSOB stavebná sporiteľňa, a.s.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"IČO: 35 799 200",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"0800 111 303"]
[null,null,null,"Žižkova 11",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Zapísaná v obchodnom registri Okresného súdu",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"csobsp@csob.sk"]
[null,null,null,"811 02 Bratislava, Slovenská Republika",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bratislava I, oddiel Sa, vložka č. 2590/B",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"www.csob.sk"]
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[null,null,null,"Informácie pre dotknutú osobu"]
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[null,null,null,"Vaše osobné údaje bude každý člen ČSOB Finančnej skupiny spracúvať po celú dobu, keď budete klientom ČSOB Finančnej skupiny, a 5 rokov od ukončenia všetkých zmluvných vzťahov medzi vami a členmi ČSOB Finančnej skupiny. V prípade, ak nevstúpite do žiadneho zmluvného vzťahu s niektorým z členov ČSOB Finančnej skupiny, Vaše osobné údaje bude každý člen ČSOB Finančnej skupiny spracúvať po dobu 12 mesiacov odo dňa udelenia Vášho súhlasu. Udelený súhlas môžete kedykoľvek odvolať. Informácie o spôsobe odvolania súhlasu nájdete na www.csob.sk/memorandum."]
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[null,null,null,"Klient vyhlasuje, že mu boli poskytnuté podmienky Memoranda ochrany osobných údajov ČSOB Finančnej skupiny (ďalej ako „Memorandum“), ktoré obsahuje podmienky spracúvania osobných údajov a informácie k právam dotknutých osôb. Memorandum je dostupné na príslušných kontaktných miestach ČSOB a na stránke www.csob.sk/memorandum."]
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[null,null,null,"V",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"dňa"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Podpis dotknutej osoby"]
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[null,null,null,"ČSOB stavebná sporiteľňa, a.s.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"IČO: 35 799 200",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"0800 111 303"]
[null,null,null,"Žižkova 11",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Zapísaná v obchodnom registri Okresného súdu",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"csobsp@csob.sk"]
[null,null,null,"811 02 Bratislava, Slovenská Republika",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bratislava I, oddiel Sa, vložka č. 2590/B",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"www.csob.sk"]

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["áno","nadobudnutie vlastníctva bytu",8,{"$f":"(35%*vyska_uveru)/(ROUNDUP(39-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uveru),0))/vyska_uveru","v":{"$error":"#DIV/0!"}},{"$f":"splatka_MU/vyska_uveru","v":{"$error":"#N/A"}},{"$f":"+C2","v":8},3.4,{"$f":"C2-G2","v":4.5999999999999996},"Hypotéka","bez poistenia","príjem zo závislej činnosti v SR","Živnostník","Štát EÚ",null,null,"slobodný/slobodná","e-mailom",14145219,"Allfin s.r.o.","po predložení dokladov","bankový prevod","manuálna práca","SZČO - základ dane","X","7512 - Bratislava - Detvianska 10A",13725019,12467919,"A-FinAdvice s.r.o.","SR","EUR",1,8,{"$f":"(35%*vyska_uver_stsp)/(ROUNDUP(39-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uver_stsp),0))/vyska_uver_stsp","v":{"$error":"#VALUE!"}},"Kredit I.","občiansky preukaz",1,"slobodný/slobodná","základné","SR","Banskobystrický kraj","V osobnom vlastníctve s hypotékou","doba neurčitá","SZČO","podiel na zisku","novej zmluve SS","klient FS ČSOB","účet ČSOB","ihneď po splnení odkladacích podmienok, preddavkovo","Vlastné bývanie","v SR","v SR zo základu dane",1,"starobný","materská","prenájom","Úver - banka/sporiteľňa","Administratíva","zamestnanec","Byt","vo vlastníctve žiadateľa/spoludlžníka","osobne v listinnej podobe","rodič",{"$f":"IF(BM2,1,0)","v":0},"Živnostník",{"$f":"zoz_prijmy_pc","v":false},1,{"$f":"IF(BN2<=$BL$14,VLOOKUP(BN2,$BK$2:$BL$13,2,FALSE),\"-\")","v":"Študent"},{"$f":"IF(BR2,1,0)","v":0},"manuálna práca",{"$f":"OR(zoz_prijmy_zc,zoz_prijmy_pc)","v":false},1,{"$f":"IF(BS2<=$BQ$8,VLOOKUP(BS2,$BP$2:$BQ$7,2,FALSE),\"-\")","v":"študent"},"v hotovosti","KP ČSOB","kompletné spracovanie",{"$f":"OR(vek_ziadatel<23,vek_pristupitel<23)","v":false},{"$f":"IF(ziadatel_RC=\"\",\"\",DATEDIF(DATE(1900+VALUE(LEFT(ziadatel_RC,2)),IF(VALUE(MID(ziadatel_RC,3,2))>12,VALUE(MID(ziadatel_RC,3,2))-50,VALUE(MID(ziadatel_RC,3,2))),VALUE(MID(ziadatel_RC,5,2))),TODAY(),\"y\"))","v":""},{"$f":"IF(pristupitel_RC=\"\",\"\",DATEDIF(DATE(1900+VALUE(LEFT(pristupitel_RC,2)),IF(VALUE(MID(pristupitel_RC,3,2))>12,VALUE(MID(pristupitel_RC,3,2))-50,VALUE(MID(pristupitel_RC,3,2))),VALUE(MID(pristupitel_RC,5,2))),TODAY(),\"y\"))","v":""},0.7,{"$f":"+CEILING(financovanie/hodnota_nehnutelnosti,0.1)*100","v":{"$error":"#NAME?"}},1,"Banskobystrický kraj","Banská Bystrica",{"$f":"IF(RK_ziadatel_kraj=$CD2,$CC2,\"\")","v":""},{"$f":"MIN(CF:CF)","v":0},{"$f":"IF(CG2=0,\"\",VLOOKUP(CG2,$CC$2:$CE$80,3,FALSE))","v":""},{"$f":"IF(RK_OU1_kraj=$CD2,$CC2,\"\")","v":""},{"$f":"MIN(CI:CI)","v":0},{"$f":"IF(CJ2=0,\"\",VLOOKUP(CJ2,$CC$2:$CE$80,3,FALSE))","v":""},{"$f":"IF(RK_OU2_kraj=$CD2,$CC2,\"\")","v":""},{"$f":"MIN(CL:CL)","v":0},{"$f":"IF(CM2=0,\"\",VLOOKUP(CM2,$CC$2:$CE$80,3,FALSE))","v":""},{"$f":"IF(RK_OU3_kraj=$CD2,$CC2,\"\")","v":""},{"$f":"MIN(CO:CO)","v":0},{"$f":"IF(CP2=0,\"\",VLOOKUP(CP2,$CC$2:$CE$80,3,FALSE))","v":""},{"$f":"IF(RK_OU4_kraj=$CD2,$CC2,\"\")","v":""},{"$f":"MIN(CR:CR)","v":0},{"$f":"IF(CS2=0,\"\",VLOOKUP(CS2,$CC$2:$CE$80,3,FALSE))","v":""},{"$f":"IF(CW2,1,0)","v":0},1,{"$f":"AND(pom_GLOW_environment,RK_ziadost_spracovanie<>\"\",RK_ziadost_spracovanie<>list_EDS_spracovanie_komplet)","v":false},1,{"$f":"IF(CX2<=$CV$11,VLOOKUP(CX2,$CU$2:$CV$10,2,FALSE),\"-\")","v":"nezáväzná ponuka - žiadny úver"},"1 účastník = žiadatel slobodný bez spolužiadateľa",false,"bytu",false,"bytu",false,"výstavba, prístavba, vstavba, stavebné úpravy bytu","úver s nehnuteľnosťou","Bc.","PhD.","Vyhlasujem, že som bol/a oboznámený/á s Poistnou zmluvou o poistení dlžníkov z medziúveru a stavebného úveru č. 2950000015 zo dňa 5.6.2007 a jej platnými dodatkami, Všeobecnými poistnými podmienkami pre životné poistenie v platnom znení  a Osobitnými poistnými podmienkami – poistenie pre prípad smrti, invalidity, invalidity následkom úrazu, pracovnej neschopnosti a straty zamestnania B-S, I, IÚ, PN, N v platnom znení a žiadam o poistenie úveru v prípade, ak mi bude stavebnou sporiteľňou poskytnutý.","ČSOB SP","bez zabezpečenia","euro",1,"SR","EUR","žiadateľ","centrála ČSOB SP",12467919,"A-FinAdvice s.r.o.","Letná 27","Košice","040 01","Trvalý pracovný pomer",{"$f":"IF(EA2,1,0)","v":0},"Živnostník",{"$f":"zoz_prijmy_pc_spoludlznik","v":false},1,{"$f":"IF(EB2<=$DZ$14,VLOOKUP(EB2,$DY$2:$DZ$13,2,FALSE),\"-\")","v":"Študent"},{"$f":"IF(EF2,1,0)","v":0},"Živnostník",{"$f":"zoz_prijmy_pc_pristupitel","v":false},1,{"$f":"IF(EG2<=$EE$14,VLOOKUP(EG2,$ED$2:$EE$13,2,FALSE),\"-\")","v":"Študent"},{"$f":"IF(EK2,1,0)","v":0},"Živnostník",{"$f":"zoz_prijmy_pc_manz_pristupitela","v":false},1,{"$f":"IF(EL2<=$EJ$14,VLOOKUP(EL2,$EI$2:$EJ$13,2,FALSE),\"-\")","v":"Študent"}]
["nie","nadobudnutie vlastníctva rodinného domu",9,{"$f":"(35%*vyska_uveru)/(ROUNDUP(45-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uveru),0))/vyska_uveru","v":{"$error":"#DIV/0!"}},{"$error":"#N/A"},{"$f":"+C3","v":9},3.9,5.0999999999999996,{"$f":"+IF(ltv<=0.7,\"Hypotéka pre mladých\",\"\")","v":{"$error":"#NAME?"}},"základný súbor A","príjem zo závislej činnosti v zahraničí","Podnikateľ","Veľká Británia","libra",0.83508000000000004,"ženatý/vydatá","poštou",16143719,"Allianz Slovenská poisťovňa a.s.","preddavkovo","SEPA inkasom z účtu žiadateľa","duševná práca","SZČO - opatrovateľka",null,"7516 - Bratislava - Pribinova 8 - Eurovea",16237619,12454819,"Agentúra Zimný s.r.o.","ČR","CZK",24.893000000000001,9,{"$f":"(35%*vyska_uver_stsp)/(ROUNDUP(45-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uver_stsp),0))/vyska_uver_stsp","v":{"$error":"#VALUE!"}},"Kredit II.","dokl.tot.občana iného štátu",2,"ženatý/vydatá rozdielne priezviská","vyučený","ČR","Bratislavský kraj","V osobnom vlastníctve bez hypotéky","doba určitá","slobodné povolania","zisk/tržby","existujúcej zmluve SS","neklient FS ČSOB","poistenie ČSOB","ihneď po splnení odkladacích podmienok, po predložení dokladov","Nehnuteľnosť na prenájom","v ČR","v SR z obratu/tržieb",0.35,"predčasný starobný","rodič. príspevok","doktorand","Splátkové spoločnosti","Bankovníctvo","podnikateľ","Rozostavaný byt","v nájme žiadateľa/spoludlžníka","zaslaním elektronickou poštou na e-mail uvedený v časti údaje o žiadateľovi","súrodenec",{"$f":"IF(BM3,BK2+1,0)","v":0},"Podnikateľ",{"$f":"zoz_prijmy_pc","v":false},2,{"$f":"IF(BN3<=$BL$14,VLOOKUP(BN3,$BK$2:$BL$13,2,FALSE),\"-\")","v":"Dôchodca"},{"$f":"IF(BR3,BP2+1,0)","v":0},"duševná práca",{"$f":"OR(zoz_prijmy_zc,zoz_prijmy_pc)","v":false},2,"dôchodca","na účet v banke","akvizícia / Tip",null,{"$f":"(vyska_uveru+uver_angaz)>max_vyska_uver","v":false},null,null,0.8,{"$f":"ltv*100","v":{"$error":"#NAME?"}},2,"Banskobystrický kraj","Banská Štiavnica","",{"$f":"IF(OR(CG2=0,CG2+1>kraj_max),0,CG2+1)","v":0},{"$f":"IF(CG3=0,\"\",VLOOKUP(CG3,$CC$2:$CE$80,3,FALSE))","v":""},"",{"$f":"IF(OR(CJ2=0,CJ2+1>kraj_max1),0,CJ2+1)","v":0},{"$f":"IF(CJ3=0,\"\",VLOOKUP(CJ3,$CC$2:$CE$80,3,FALSE))","v":""},"",{"$f":"IF(OR(CM2=0,CM2+1>kraj_max2),0,CM2+1)","v":0},{"$f":"IF(CM3=0,\"\",VLOOKUP(CM3,$CC$2:$CE$80,3,FALSE))","v":""},"",{"$f":"IF(OR(CP2=0,CP2+1>kraj_max3),0,CP2+1)","v":0},{"$f":"IF(CP3=0,\"\",VLOOKUP(CP3,$CC$2:$CE$80,3,FALSE))","v":""},"",{"$f":"IF(OR(CS2=0,CS2+1>kraj_max4),0,CS2+1)","v":0},{"$f":"IF(CS3=0,\"\",VLOOKUP(CS3,$CC$2:$CE$80,3,FALSE))","v":""},{"$f":"IF(CW3,CU2+1,0)","v":0},2,false,2,"nezáväzná ponuka - s omeškanými splátkami","2 účastníci = žiadatel  ženatý/vydatá s (BSM) resp. druh/družka",false,"rodinného domu",false,"rodinného domu",false,"výstavba, prístavba, vstavba, stavebné úpravy rodinného domu","úver bez zabezpečenia","Mgr.","ArtD.","Vyhlasujem, že som bol/a oboznámený/á s Poistnou zmluvou o poistení dlžníkov z medziúveru a stavebného úveru č. 2950000015 zo dňa 5.6.2007 a jej platnými dodatkami, Všeobecnými poistnými podmienkami pre životné poistenie v platnom znení  a Osobitnými poistnými podmienkami – poistenie pre prípad smrti, invalidity, invalidity následkom úrazu, pracovnej neschopnosti a straty zamestnania B-S, I, IÚ, PN, N v platnom znení a žiadam o poistenie úveru v prípade, ak mi bude stavebnou sporiteľňou poskytnutý. Súčasne vyhlasujem, že spĺňam nasledujúce podmienky:\n• som plnoletý/á, spôsobilý/á na právne úkony, mladší/ia ako 57 rokov,\n• som zdravý/á*,\n• nie som v pracovnej neschopnosti,\n• v posledných 12 mesiacoch som nebol/a v pracovnej neschopnosti dlhšej ako 30 po sebe idúcich kalendárnych dní,\n• mám hlavný pracovný pomer uzavretý na dobu neurčitú a súčasne som bol/a zamestnaný/á v hlavnom pracovnom pomere nepretržite v predchádzajúcich 12 mesiacoch,\n• nezrušil/a som so zamestnávateľom okamžite pracovný pomer, nepodal/a som a ani mi nebola daná výpoveď zo strany zamestnávateľa, nezaslal/a som zamestnávateľovi a ani som neobdržal/a od zamestnávateľa návrh na skončenie pracovného pomeru dohodou,\n• nie som podľa môjho vedomia zamestnancom, s ktorým by mohol byť v dobe nasledujúcich 12 mesiacov rozviazaný pracovný pomer z dôvodov uvedených v §63 ods. 1 písm. a) a b) zákona č. 311/2001 Z. z. Zákonník práce v platnom znení najmä v dôsledku znižovania počtu zamestnancov alebo v dôsledku organizačných zmien zamestnávateľa.\n","ostatné stav. sporiteľne","bez zabezpečenia - 2 účastníci","libra",0.84835000000000005,"ČR","CZK","spolužiadateľ 1","pobočka ČSOB",12454819,"Agentúra Zimný s.r.o.","Trnavská cesta 37","Bratislava 3","831 04","Trvalý pracovný pomer, vlastná s.r.o.",{"$f":"IF(EA3,DY2+1,0)","v":0},"Podnikateľ",{"$f":"zoz_prijmy_pc_spoludlznik","v":false},2,{"$f":"IF(EB3<=$DZ$14,VLOOKUP(EB3,$DY$2:$DZ$13,2,FALSE),\"-\")","v":"Dôchodca"},{"$f":"IF(EF3,ED2+1,0)","v":0},"Podnikateľ",{"$f":"zoz_prijmy_pc_pristupitel","v":false},2,{"$f":"IF(EG3<=$EE$14,VLOOKUP(EG3,$ED$2:$EE$13,2,FALSE),\"-\")","v":"Dôchodca"},{"$f":"IF(EK3,EI2+1,0)","v":0},"Podnikateľ",{"$f":"zoz_prijmy_pc_manz_pristupitela","v":false},2,{"$f":"IF(EL3<=$EJ$14,VLOOKUP(EL3,$EI$2:$EJ$13,2,FALSE),\"-\")","v":"Dôchodca"}]
[null,"nadobudnutie vlastníctva stavebného pozemku za účelom výstavby rodinného domu",10,{"$f":"(35%*vyska_uveru)/(ROUNDUP(51-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uveru),0))/vyska_uveru","v":{"$error":"#DIV/0!"}},{"$error":"#N/A"},10,4.4000000000000004,5.6,null,"komplexný súbor B","Iné","Študent","ČR","CZK",25.507999999999999,"ženatý/vydatá bez BSM",null,16124219,"Allrisk Slovakia, s.r.o.",null,"SEPA inkasom z účtu spoludlžníka","študent","SZČO - iná forma",null,"7518 - Nitra - Coboriho 7",16242119,13465819,"Akadémia FG, s.r.o.","Štáty Eurozóny (EUR)","EUR",1,10,{"$f":"(35%*vyska_uver_stsp)/(ROUNDUP(51-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uver_stsp),0))/vyska_uver_stsp","v":{"$error":"#VALUE!"}},"Kredit III.",null,3,"ženatý/vydatá","vyučený s maturitou","Štáty Eurozóny (EUR)","Košický kraj","S rodičmi",null,"vlastná s.r.o.",null,null,null,null,"na základe písomnej žiadosti, preddavkovo","Nehnuteľnosť určená na budúci predaj","v zahraničí","s.r.o. - tržby",0.15,"výsluhový","prídavok na dieťa","vdov.dôchodok","Poistné","Cestovný ruch, gastro, hoteliérstvo","študent/dieťa","Rodinný dom","trvalým/prechodným bydliskom žiadateľa/spoludlžníka",null,"dieťa",{"$f":"IF(BM4,MAX(BK$2:BK3)+1,0)","v":1},"Študent",{"$f":"AND(zoz_prijmy_zc=FALSE,zoz_prijmy_pc=FALSE)","v":true},3,"Pracovná stáž",{"$f":"IF(BR4,MAX(BP$2:BP3)+1,0)","v":1},"študent",{"$f":"AND(zoz_prijmy_zc=FALSE,zoz_prijmy_pc=FALSE)","v":true},3,"iná","na účet v ČSOB","kompletné spracovanie",null,null,null,null,0.9,null,3,"Banskobystrický kraj","Brezno","",0,"","",0,"","",0,"","",0,"","",0,"",{"$f":"IF(CW4,MAX(CU$2:CU3)+1,0)","v":0},3,false,3,"nezáväzná ponuka - bez omeškaných splátok","2 účastníci = žiadateľ slobodný so slobodnbým spolužiadateľom",false,"stavebného pozemku za účelom výstavby rodinného domu",false,"bytového domu",false,"výstavba, prístavba, vstavba, stavebné úpravy bytového domu",null,"Mgr. art.","ThLic.","* Zdravá osoba je osoba, ktorá nie je v pravidelnej lekárskej opatere, nie je pod pravidelným lekárskym dohľadom v dôsledku zisteného chronického ochorenia s trvalým užívaním liekov, netrpí najmä nevyliečiteľnou chorobou, alebo chronickým ochorením, alebo ochorením, ktoré by mohlo ohroziť jej zdravie alebo život, alebo ochorením, ktoré by mohlo mať za následok vznik invalidity.","ostatné banky","nehnuteľnosť","švajčiarsky frank",1.0714999999999999,"Štáty Eurozóny (EUR)","EUR","spolužiadateľ 2",null,13465819,"Akadémia FG, s.r.o.","Boliarov č. 7","Kecerovce","044 47","Dočasný pracovný pomer",{"$f":"IF(EA4,MAX(DY$2:DY3)+1,0)","v":1},"Študent",{"$f":"AND(zoz_prijmy_zc_spoludlznik=FALSE,zoz_prijmy_pc_spoludlznik=FALSE)","v":true},3,"Pracovná stáž",{"$f":"IF(EF4,MAX(ED$2:ED3)+1,0)","v":1},"Študent",{"$f":"AND(zoz_prijmy_zc_pristupitel=FALSE,zoz_prijmy_pc_pristupitel=FALSE)","v":true},3,"Pracovná stáž",{"$f":"IF(EK4,MAX(EI$2:EI3)+1,0)","v":1},"Študent",{"$f":"AND(zoz_prijmy_zc_manz_pristupitela=FALSE,zoz_prijmy_pc_manz_pristupitela=FALSE)","v":true},3,"Pracovná stáž"]
[null,"nadobudnutie vlastníctva pozemku na ktorom sa už nachádza rodinný dom",11,{"$f":"(35%*vyska_uveru)/(ROUNDUP(57-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uveru),0))/vyska_uveru","v":{"$error":"#DIV/0!"}},{"$error":"#N/A"},11,4.9000000000000004,6.1,null,null,"SZČO","Dôchodca","Švajčiarsko","švajčiarsky frank",1.0982000000000001,"druh/družka",null,11468119,"Broker Consulting, a.s.",null,null,"dôchodca",null,null,"7520 - Levice - Nám. Šoltésovej 11",16241319,14145219,"Allfin s.r.o.","Švajčiarsko","švajčiarsky frank",1.0714999999999999,11,{"$f":"(35%*vyska_uver_stsp)/(ROUNDUP(57-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uver_stsp),0))/vyska_uver_stsp","v":{"$error":"#VALUE!"}},"Kredit IV.",null,4,"ženatý/vydatá bez BSM","stredoškolské s maturitou","Ostatné","Nitriansky kraj","Nájomný byt",null,null,null,null,null,null,"na základe písomnej žiadosti, po predložení dokladov","Rekreačný objekt/druhé bývanie",null,"s.r.o. - podiel na zisku",0.86,"invalidný čiastočný",null,"sirot.dôchodok","Lízing","Doprava, špedícia, logistika","dôchodca","Rozostavaný rodinný dom","objektom nadobudnutia do vlastníctva žiadateľa/spoludlžníka",null,"iný rodinný príslušník",{"$f":"IF(BM5,MAX(BK$2:BK4)+1,0)","v":2},"Dôchodca",{"$f":"AND(zoz_prijmy_zc=FALSE,zoz_prijmy_pc=FALSE)","v":true},4,"Rodičovská dovolenka",{"$f":"IF(BR5,MAX(BP$2:BP4)+1,0)","v":2},"dôchodca",{"$f":"AND(zoz_prijmy_zc=FALSE,zoz_prijmy_pc=FALSE)","v":true},4,"-","iná",null,null,null,null,null,null,null,4,"Banskobystrický kraj","Detva","",0,"","",0,"","",0,"","",0,"","",0,"",{"$f":"IF(CW5,MAX(CU$2:CU4)+1,0)","v":0},4,false,4,"-","3 účastníci = žiadatel slobodný so ženatým spolužiadateľom (s BSM) ",false,"pozemku na ktorom sa už nachádza rodinný dom",false,"zariadení využívajúcich alternatívne zdroje energie, domových čističiek odpadových vôd",false,"prestavba nebytových priestorov na byt",null,"Ing.","MBA",null,"mimo ČSOB SP",null,"poľský zlotý",4.2450999999999999,"Švajčiarsko","švajčiarsky frank","spolužiadateľ 3",null,14145219,"Allfin s.r.o.","Popradská 54","Košice 1","040 01","Práca na dohodu",{"$f":"IF(EA5,MAX(DY$2:DY4)+1,0)","v":2},"Dôchodca",{"$f":"AND(zoz_prijmy_zc_spoludlznik=FALSE,zoz_prijmy_pc_spoludlznik=FALSE)","v":true},4,"Rodičovská dovolenka",{"$f":"IF(EF5,MAX(ED$2:ED4)+1,0)","v":2},"Dôchodca",{"$f":"AND(zoz_prijmy_zc_pristupitel=FALSE,zoz_prijmy_pc_pristupitel=FALSE)","v":true},4,"Rodičovská dovolenka",{"$f":"IF(EK5,MAX(EI$2:EI4)+1,0)","v":2},"Dôchodca",{"$f":"AND(zoz_prijmy_zc_manz_pristupitela=FALSE,zoz_prijmy_pc_manz_pristupitela=FALSE)","v":true},4,"Rodičovská dovolenka"]
[null,null,12,{"$f":"(35%*vyska_uveru)/(ROUNDUP(63-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uveru),0))/vyska_uveru","v":{"$error":"#DIV/0!"}},{"$error":"#N/A"},12,5.33,6.67,null,null,null,"Trvalý pracovný pomer","iné",null,null,"rozvedený/rozvedená",null,12463619,"Broker Service Group a.s.",null,null,"manažér",null,null,"7528 - Trnava - Ferka Urbánka 11 - OC Max",16247219,16143719,"Allianz - Slovenská poisťovňa, a.s.","Veľká Británia","libra",0.84835000000000005,12,{"$f":"(35%*vyska_uver_stsp)/(ROUNDUP(63-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uver_stsp),0))/vyska_uver_stsp","v":{"$error":"#VALUE!"}},"Kredit V.",null,5,"druh/družka","vyššie odborné",null,"Prešovský kraj","Družstevný byt",null,null,null,null,null,null,"postupné čerpanie, ihneď po splnení odkladacích podmienok, preddavkovo","Pozemok kúpený za účelom predaja/prenájmu (nie výstavba)",null,"s.r.o. - zo zisku",0.7,"invalidný plný",null,"prísp.za opatrovanie","Iné výdavky","Ekonomika, financie, účtovníctvo","nezamestnaný/dobrovoľne nezamestnaný","Nebytový priestor (prestavba na byt)",null,null,"partner/partnerka",{"$f":"IF(BM6,MAX(BK$2:BK5)+1,0)","v":0},"Trvalý pracovný pomer",{"$f":"zoz_prijmy_zc","v":false},5,"Materská dovolenka",{"$f":"IF(BR6,MAX(BP$2:BP5)+1,0)","v":0},"manažér",{"$f":"zoz_prijmy_zc","v":false},5,"-",null,null,null,null,null,null,null,null,5,"Banskobystrický kraj","Krupina","",0,"","",0,"","",0,"","",0,"","",0,"",{"$f":"IF(CW6,MAX(CU$2:CU5)+1,0)","v":0},5,false,5,"-","3 účastníci = žiadateľ  ženatý/vydatá s (BSM) resp. druh/družka so slobodným spolužiadateľom",false,"nebytových priestorov za účelom prestavby na byt",null,null,false,"úhrada podielu bytovému družstvu za účelom nadobudnutia bytu",null,"Ing. arch.","DrSc.",null,null,null,"maďarský forint",336.76,"Veľká Británia","libra",null,null,16143719,"Allianz - Slovenská poisťovňa, a.s.","Dostojevského rad 4","Bratislava","815 74",null,{"$f":"IF(EA6,MAX(DY$2:DY5)+1,0)","v":0},"Trvalý pracovný pomer",{"$f":"zoz_prijmy_zc_spoludlznik","v":false},5,"Materská dovolenka",{"$f":"IF(EF6,MAX(ED$2:ED5)+1,0)","v":0},"Trvalý pracovný pomer",{"$f":"zoz_prijmy_zc_pristupitel","v":false},5,"Materská dovolenka",{"$f":"IF(EK6,MAX(EI$2:EI5)+1,0)","v":0},"Trvalý pracovný pomer",{"$f":"zoz_prijmy_zc_manz_pristupitela","v":false},5,"Materská dovolenka"]
[null,null,13,{"$f":"(35%*vyska_uveru)/(ROUNDUP(69-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uveru),0))/vyska_uveru","v":{"$error":"#DIV/0!"}},{"$error":"#N/A"},13,5.83,7.17,null,null,null,"Trvalý pracovný pomer, vlastná s.r.o.",null,null,null,"vdovec/vdova",null,16152519,"Brokeria, a.s.",null,null,"iná",null,null,"7538 - Banská Bystrica - Na troskách 25 - OC Europa",16231719,16124219,"Allrisk Slovakia, s.r.o.","Ostatné","iné",null,13,{"$f":"(35%*vyska_uver_stsp)/(ROUNDUP(69-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uver_stsp),0))/vyska_uver_stsp","v":{"$error":"#VALUE!"}},"Kredit VI.",null,null,"rozvedený/rozvedená","vysokoškolské so zápisom v OP",null,"Trenčiansky kraj","Obecný byt",null,null,null,null,null,null,"postupné čerpanie, ihneď po splnení odklad. podm., po predložení dokladov",null,null,"SZČO - EP",0.7,null,null,"prísp.na bývanie","Prečerpanie BU/limit kredit.karty","Elektrotechnika a energetika",null,"Stavebný pozemok",null,null,"známy/kamarát",{"$f":"IF(BM7,MAX(BK$2:BK6)+1,0)","v":0},"Trvalý pracovný pomer, vlastná s.r.o.",{"$f":"zoz_prijmy_zc","v":false},6,"Iné",{"$f":"IF(BR7,MAX(BP$2:BP6)+1,0)","v":3},"iná",true,6,"-",null,null,null,null,null,null,null,null,6,"Banskobystrický kraj","Lučenec","",0,"","",0,"","",0,"","",0,"","",0,"",{"$f":"IF(CW7,MAX(CU$2:CU6)+1,0)","v":0},6,false,6,"-","4 účastníci = žiadateľ  ženatý/vydatá s (BSM) resp. druh/družka so ženatým spolužiadateľom (s BSM) ",false,"nadobudnutie zariadení využívajúcich alternatívne zdroje energie, domových čističiek odpadových vôd",null,null,false,"príprava stavebných pozemkov určených na výstavbu rodinných domov a bytových domov",null,"MUDr.","CSc.",null,null,null,"iné",null,"Ostatné",null,null,null,16124219,"Allrisk Slovakia, s.r.o.","Prievozská 4B","Bratislava 2","821 09",null,{"$f":"IF(EA7,MAX(DY$2:DY6)+1,0)","v":0},"Trvalý pracovný pomer, vlastná s.r.o.",{"$f":"zoz_prijmy_zc_spoludlznik","v":false},6,"Iné",{"$f":"IF(EF7,MAX(ED$2:ED6)+1,0)","v":0},"Trvalý pracovný pomer, vlastná s.r.o.",{"$f":"zoz_prijmy_zc_pristupitel","v":false},6,"Iné",{"$f":"IF(EK7,MAX(EI$2:EI6)+1,0)","v":0},"Trvalý pracovný pomer, vlastná s.r.o.",{"$f":"zoz_prijmy_zc_manz_pristupitela","v":false},6,"Iné"]
[null,null,14,{"$f":"(35%*vyska_uveru)/(ROUNDUP(77-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uveru),0))/vyska_uveru","v":{"$error":"#DIV/0!"}},{"$error":"#N/A"},14,6.5,7.5,null,null,null,"Dočasný pracovný pomer",null,null,null,null,null,16145319,"Deluvis s.r.o.",null,null,null,null,null,"7540 - Zvolen - Sládkovičova 10",16234119,11468119,"Broker Consulting, a.s.",null,null,null,14,{"$f":"(35%*vyska_uver_stsp)/(ROUNDUP(77-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uver_stsp),0))/vyska_uver_stsp","v":{"$error":"#VALUE!"}},"Profit",null,null,"vdovec/vdova","vysokoškolské bez zápisu v OP",null,"Trnavský kraj","Štátny byt",null,null,null,null,null,null,"postupné čerpanie, na základe písomnej žiadosti, preddavkovo",null,null,"Opatrovateľka v Rak.",0.85,null,null,"odmena pestúna",null,"Farmaceutický priemysel",null,null,null,null,null,{"$f":"IF(BM8,MAX(BK$2:BK7)+1,0)","v":0},"Dočasný pracovný pomer",{"$f":"zoz_prijmy_zc","v":false},7,"-","max",{"$f":"MAX(BP2:BP7)","v":3},null,null,{"$f":"\"zoznamy!\" & BT9 &\"2:\" & BT9 & BQ8+1","v":"zoznamy!BT2:BT4"},null,null,null,null,null,null,null,null,7,"Banskobystrický kraj","Poltár","",0,"","",0,"","",0,"","",0,"","",0,"",{"$f":"IF(CW8,MAX(CU$2:CU7)+1,0)","v":1},"nezáväzná ponuka - žiadny úver",true,7,"-",null,null,null,null,null,false,"výstavba zariadení využívajúcich alternatívne zdroje energie, domových čističiek odpadových vôd",null,"MVDr.",null,null,null,null,"CZK",24.893000000000001,null,null,null,null,11468119,"Broker Consulting, a.s.","Pribinova 25","Bratislava 1","811 09",null,{"$f":"IF(EA8,MAX(DY$2:DY7)+1,0)","v":0},"Dočasný pracovný pomer",{"$f":"zoz_prijmy_zc_spoludlznik","v":false},7,"-",{"$f":"IF(EF8,MAX(ED$2:ED7)+1,0)","v":0},"Dočasný pracovný pomer",{"$f":"zoz_prijmy_zc_pristupitel","v":false},7,"-",{"$f":"IF(EK8,MAX(EI$2:EI7)+1,0)","v":0},"Dočasný pracovný pomer",{"$f":"zoz_prijmy_zc_manz_pristupitela","v":false},7,"-"]
[null,null,15,{"$f":"(35%*vyska_uveru)/(ROUNDUP(85-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uveru),0))/vyska_uveru","v":{"$error":"#DIV/0!"}},{"$f":"splatka_MU/vyska_uveru","v":{"$error":"#N/A"}},15,7.08,7.92,null,null,null,"Práca na dohodu",null,null,null,null,null,14136419,"European Financial Corporation, s.r.o.",null,null,null,null,null,"7542 - Prievidza - Nábrežná 5a - OC Korzo",16232519,12463619,"BROKER SERVICE GROUP",null,null,null,15,{"$f":"(35%*vyska_uver_stsp)/(ROUNDUP(85-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uver_stsp),0))/vyska_uver_stsp","v":{"$error":"#VALUE!"}},"Profit Mini, Maxi",null,null,null,null,null,"Žilinský kraj","Iné",null,null,null,null,null,null,"postupné čerpanie, na základe písomnej žiadosti, po predložení dokladov",null,null,"Členovia komory",0.5,null,null,"odvodová úľava",null,"Informačné technológie",null,null,null,null,null,{"$f":"IF(BM9,MAX(BK$2:BK8)+1,0)","v":0},"Práca na dohodu",{"$f":"zoz_prijmy_zc","v":false},8,"-",null,null,null,null,{"$f":"MID(ADDRESS(1,COLUMN(BT1),1,1),2,2)","v":"BT"},null,null,null,null,null,null,null,null,8,"Banskobystrický kraj","Revúca","",0,"","",0,"","",0,"","",0,"","",0,"",{"$f":"IF(CW9,MAX(CU$2:CU8)+1,0)","v":2},"nezáväzná ponuka - s omeškanými splátkami",true,8,"-",null,null,null,null,null,false,"získanie energetického certifikátu rodinného domu alebo bytového domu",null,"MDDr.",null,null,null,null,null,null,null,null,null,null,12463619,"BROKER SERVICE GROUP","Mlynské Nivy 71","Bratislava 2","821 05",null,{"$f":"IF(EA9,MAX(DY$2:DY8)+1,0)","v":0},"Práca na dohodu",{"$f":"zoz_prijmy_zc_spoludlznik","v":false},8,"-",{"$f":"IF(EF9,MAX(ED$2:ED8)+1,0)","v":0},"Práca na dohodu",{"$f":"zoz_prijmy_zc_pristupitel","v":false},8,"-",{"$f":"IF(EK9,MAX(EI$2:EI8)+1,0)","v":0},"Práca na dohodu",{"$f":"zoz_prijmy_zc_manz_pristupitela","v":false},8,"-"]
[null,null,16,{"$f":"(35%*vyska_uveru)/(ROUNDUP(92-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uveru),0))/vyska_uveru","v":{"$error":"#DIV/0!"}},{"$error":"#N/A"},16,7.67,8.33,null,null,null,"Pracovná stáž",null,null,null,null,null,16150919,"FG Financial Group - SK, a.s.",null,null,null,null,null,"7544 - Topoľčany - Obchodná 1",16233319,16152519,"Brokeria, a.s.",null,null,null,16,{"$f":"(35%*vyska_uver_stsp)/(ROUNDUP(92-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uver_stsp),0))/vyska_uver_stsp","v":{"$error":"#VALUE!"}},"Profit (SU 6%)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SZČO v ČR z obratu/tržieb",0.29749999999999999,null,null,"iné",null,"Ľudské zdroje a personalistika",null,null,null,null,null,{"$f":"IF(BM10,MAX(BK$2:BK9)+1,0)","v":3},"Pracovná stáž",{"$f":"AND(zoz_prijmy_zc=FALSE,zoz_prijmy_pc=FALSE)","v":true},9,"-",null,null,null,null,null,null,null,null,null,null,null,null,null,9,"Banskobystrický kraj","Rimavská Sobota","",0,"","",0,"","",0,"","",0,"","",0,"",{"$f":"IF(CW10,MAX(CU$2:CU9)+1,0)","v":3},"nezáväzná ponuka - bez omeškaných splátok",true,9,"-",null,null,null,null,null,false,"refinancovanie úveru/úverov - spotrebiteský účel",null,"RNDr.",null,null,null,null,null,null,null,null,null,null,16152519,"Brokeria, a.s.","Einsteinova 11/3677","Bratislava 5","851 01",null,{"$f":"IF(EA10,MAX(DY$2:DY9)+1,0)","v":3},"Pracovná stáž",{"$f":"AND(zoz_prijmy_zc_spoludlznik=FALSE,zoz_prijmy_pc_spoludlznik=FALSE)","v":true},9,"-",{"$f":"IF(EF10,MAX(ED$2:ED9)+1,0)","v":3},"Pracovná stáž",{"$f":"AND(zoz_prijmy_zc_pristupitel=FALSE,zoz_prijmy_pc_pristupitel=FALSE)","v":true},9,"-",{"$f":"IF(EK10,MAX(EI$2:EI9)+1,0)","v":3},"Pracovná stáž",{"$f":"AND(zoz_prijmy_zc_manz_pristupitela=FALSE,zoz_prijmy_pc_manz_pristupitela=FALSE)","v":true},9,"-"]
[null,null,17,{"$f":"(35%*vyska_uveru)/(ROUNDUP(100-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uveru),0))/vyska_uveru","v":{"$error":"#DIV/0!"}},{"$error":"#N/A"},17,8.25,8.75,null,null,null,"Rodičovská dovolenka",null,null,null,null,null,16149619,"Finanzpartner a.s.",null,null,null,null,null,"7546 - Prešov - Vihorlatská 2a - OC Max",16245619,14124119,"CENTRUM POISTENIA , s.r.o.",null,null,null,17,{"$f":"(35%*vyska_uver_stsp)/(ROUNDUP(100-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uver_stsp),0))/vyska_uver_stsp","v":{"$error":"#VALUE!"}},"Profit (SU 5,4%)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SZČO v ČR zo základu dane",0.85,null,null,null,null,"Manažment",null,null,null,null,null,{"$f":"IF(BM11,MAX(BK$2:BK10)+1,0)","v":4},"Rodičovská dovolenka",{"$f":"AND(zoz_prijmy_zc=FALSE,zoz_prijmy_pc=FALSE)","v":true},10,"-",null,null,null,null,null,null,null,null,null,null,null,null,null,10,"Banskobystrický kraj","Veľký Krtíš","",0,"","",0,"","",0,"","",0,"","",0,"","max",{"$f":"MAX(CU2:CU10)","v":3},null,null,{"$f":"\"zoznamy!\" & CY12 &\"2:\" & CY12 & CV11+1","v":"zoznamy!CY2:CY4"},null,null,null,null,null,false,"refinancovanie úveru/úverov - nespotrebiteľský účel",null,"PharmDr.",null,null,null,null,null,null,null,null,null,null,14124119,"CENTRUM POISTENIA , s.r.o.","Agátová 1171/20","Senica nad Myjavou 1","905 01",null,{"$f":"IF(EA11,MAX(DY$2:DY10)+1,0)","v":4},"Rodičovská dovolenka",{"$f":"AND(zoz_prijmy_zc_spoludlznik=FALSE,zoz_prijmy_pc_spoludlznik=FALSE)","v":true},10,"-",{"$f":"IF(EF11,MAX(ED$2:ED10)+1,0)","v":4},"Rodičovská dovolenka",{"$f":"AND(zoz_prijmy_zc_pristupitel=FALSE,zoz_prijmy_pc_pristupitel=FALSE)","v":true},10,"-",{"$f":"IF(EK11,MAX(EI$2:EI10)+1,0)","v":4},"Rodičovská dovolenka",{"$f":"AND(zoz_prijmy_zc_manz_pristupitela=FALSE,zoz_prijmy_pc_manz_pristupitela=FALSE)","v":true},10,"-"]
[null,null,18,{"$f":"(35%*vyska_uveru)/(ROUNDUP(108-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uveru),0))/vyska_uveru","v":{"$error":"#DIV/0!"}},{"$error":"#N/A"},18,8.9,9.1,null,null,null,"Materská dovolenka",null,null,null,null,null,11686319,"Fincentrum, a.s.",null,null,null,null,null,"7555 - Žilina - Štúrova 13",16250119,16145319,"DELUVIS, s.r.o.",null,null,null,18,{"$f":"(35%*vyska_uver_stsp)/(ROUNDUP(108-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uver_stsp),0))/vyska_uver_stsp","v":{"$error":"#VALUE!"}},"Profit (SU 5%)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Marketing, reklama, PR",null,null,null,null,null,{"$f":"IF(BM12,MAX(BK$2:BK11)+1,0)","v":5},"Materská dovolenka",{"$f":"AND(zoz_prijmy_zc=FALSE,zoz_prijmy_pc=FALSE)","v":true},11,"-",null,null,null,null,null,null,null,null,null,null,null,null,null,11,"Banskobystrický kraj","Zvolen","",0,"","",0,"","",0,"","",0,"","",0,"",null,null,null,null,{"$f":"MID(ADDRESS(1,COLUMN(CY1),1,1),2,2)","v":"CY"},null,null,null,null,null,false,"prípravu a vypracovanie územnej dokumentácie alebo projektovej dokumentácie na stavebné účely",null,"PhDr.",null,null,null,null,null,null,null,null,null,null,16145319,"DELUVIS, s.r.o.","Plynárenská 7/A","Bratislava 2","821 09",null,{"$f":"IF(EA12,MAX(DY$2:DY11)+1,0)","v":5},"Materská dovolenka",{"$f":"AND(zoz_prijmy_zc_spoludlznik=FALSE,zoz_prijmy_pc_spoludlznik=FALSE)","v":true},11,"-",{"$f":"IF(EF12,MAX(ED$2:ED11)+1,0)","v":5},"Materská dovolenka",{"$f":"AND(zoz_prijmy_zc_pristupitel=FALSE,zoz_prijmy_pc_pristupitel=FALSE)","v":true},11,"-",{"$f":"IF(EK12,MAX(EI$2:EI11)+1,0)","v":5},"Materská dovolenka",{"$f":"AND(zoz_prijmy_zc_manz_pristupitela=FALSE,zoz_prijmy_pc_manz_pristupitela=FALSE)","v":true},11,"-"]
[null,null,19,{"$f":"(35%*vyska_uveru)/(ROUNDUP(115-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uveru),0))/vyska_uveru","v":{"$error":"#DIV/0!"}},{"$error":"#N/A"},19,9.5,9.5,null,null,null,"Iné",null,null,null,null,null,88719,"FinCo Services, a.s.  \n ",null,null,null,null,null,"7557 - Košice - Mlynská 16",16240519,14138019,"EuroFinancie, s.r.o.",null,null,null,19,{"$f":"(35%*vyska_uver_stsp)/(ROUNDUP(115-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uver_stsp),0))/vyska_uver_stsp","v":{"$error":"#VALUE!"}},"Profit akcia (SU 2,99%_SU 6%)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ziadatel",{"$f":"IF(RK_ziadatel_prijem_podn_typ=\"\",0,VLOOKUP(RK_ziadatel_prijem_podn_typ,prijem_podnikanie_akceptacia,2,FALSE))","v":0},null,null,null,null,"Poisťovníctvo",null,null,null,null,null,{"$f":"IF(BM13,MAX(BK$2:BK12)+1,0)","v":6},"Iné",{"$f":"AND(zoz_prijmy_zc=FALSE,zoz_prijmy_pc=FALSE)","v":true},null,{"$f":"\"zoznamy!\" & BO14 &\"2:\" & BO14 & BL14+1","v":"zoznamy!BO2:BO7"},null,null,null,null,null,null,null,null,null,null,null,null,null,12,"Banskobystrický kraj","Žarnovica","",0,"","",0,"","",0,"","",0,"","",0,"",null,null,null,null,null,null,null,null,null,null,false,"nadobudnutie, výstavbu a prestavbu tuz. nehn. s prevažujúcou funkciou bývania a ubytovania (soc. služby a štud. internáty)",null,"JUDr.",null,null,null,null,null,null,null,null,null,null,14138019,"EuroFinancie, s.r.o.","Cesta k Paľovej búde 8713/15D","Žilina","010 01",null,{"$f":"IF(EA13,MAX(DY$2:DY12)+1,0)","v":6},"Iné",{"$f":"AND(zoz_prijmy_zc_spoludlznik=FALSE,zoz_prijmy_pc_spoludlznik=FALSE)","v":true},null,{"$f":"\"zoznamy!\" & EC14 &\"2:\" & EC14 & DZ14+1","v":"zoznamy!EC2:EC7"},{"$f":"IF(EF13,MAX(ED$2:ED12)+1,0)","v":6},"Iné",{"$f":"AND(zoz_prijmy_zc_pristupitel=FALSE,zoz_prijmy_pc_pristupitel=FALSE)","v":true},null,{"$f":"\"zoznamy!\" & EH14 &\"2:\" & EH14 & EE14+1","v":"zoznamy!EH2:EH7"},{"$f":"IF(EK13,MAX(EI$2:EI12)+1,0)","v":6},"Iné",{"$f":"AND(zoz_prijmy_zc_manz_pristupitela=FALSE,zoz_prijmy_pc_manz_pristupitela=FALSE)","v":true},null,{"$f":"\"zoznamy!\" & EM14 &\"2:\" & EM14 & EJ14+1","v":"zoznamy!EM2:EM7"}]
[null,null,20,{"$f":"(35%*vyska_uveru)/(ROUNDUP(120-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uveru),0))/vyska_uveru","v":{"$error":"#DIV/0!"}},{"$error":"#N/A"},20,10,10,null,null,null,null,null,null,null,null,null,16142919,"FINGO.SK s.r.o.",null,null,null,null,null,"7560 - Košice - Toryská 5 - OC Galéria",16239219,11596719,"EUROLIVE plus, s.r.o.",null,null,null,20,{"$f":"(35%*vyska_uver_stsp)/(ROUNDUP(115-IF(statna_premia=\"nie\",3,0)-(max_vyska_uver/vyska_uver_stsp),0))/vyska_uver_stsp","v":{"$error":"#VALUE!"}},"Profit akcia (SU 2,99%_SU 5,4%)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"spoluziadatel",{"$f":"IF(RK_spoluziadatel_prijem_podn_typ=\"\",0,VLOOKUP(RK_spoluziadatel_prijem_podn_typ,prijem_podnikanie_akceptacia,2,FALSE))","v":0},null,null,null,null,"Poľnohospodárstvo a potravinárstvo",null,null,null,null,null,"max",{"$f":"MAX(BK2:BK13)","v":6},null,null,{"$f":"MID(ADDRESS(1,COLUMN(BO1),1,1),2,2)","v":"BO"},null,null,null,null,null,null,null,null,null,null,null,null,null,13,"Banskobystrický kraj","Žiar nad Hronom","",0,"","",0,"","",0,"","",0,"","",0,"",null,null,null,null,null,null,null,null,null,null,null,null,null,"PaedDr.",null,null,null,null,null,null,null,null,null,null,11596719,"EUROLIVE plus, s.r.o.","Uhrova 18","Bratislava 37","831 01",null,"max",{"$f":"MAX(DY2:DY13)","v":6},null,null,{"$f":"MID(ADDRESS(1,COLUMN(EC1),1,1),2,2)","v":"EC"},"max",{"$f":"MAX(ED2:ED13)","v":6},null,null,{"$f":"MID(ADDRESS(1,COLUMN(EH1),1,1),2,2)","v":"EH"},"max",{"$f":"MAX(EI2:EI13)","v":6},null,null,{"$f":"MID(ADDRESS(1,COLUMN(EM1),1,1),2,2)","v":"EM"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14144419,"Finmax,s.r.o.",null,null,null,null,null,"8001 - Bratislava - Bory Mall",16017819,14136419,"European Financial Corporation, s.r.o.",null,null,null,null,null,"Variant (do 2003)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"pristupitel",{"$f":"IF(RK_pristupitel_prijem_podn_typ=\"\",0,VLOOKUP(RK_pristupitel_prijem_podn_typ,prijem_podnikanie_akceptacia,2,FALSE))","v":0},null,null,null,null,"Pomocné práce",null,null,null,null,null,"zč",{"$f":"RK_ziadatel_prijem_ZC>0","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14,"Bratislavský kraj","Bratislava I","",0,"","",0,"","",0,"","",0,"","",0,"",null,null,null,null,null,null,null,null,null,null,null,null,null,"ThDr.",null,null,null,null,null,null,null,null,null,null,14136419,"European Financial Corporation, s.r.o.","Janka Kráľa 4A","Banská Bystrica 1","974 01",null,"zč",{"$f":"RK_spoluziadatel_prijem_ZC>0","v":false},null,null,null,"zč",{"$f":"RK_pristupitel_prijem_ZC>0","v":false},null,null,null,"zč",{"$f":"RK_spolupristupitel_prijem_ZC>0","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,12449219,"FINPO MB, s.r.o.",null,null,null,null,null,"8210 - Bratislava - Krížna 46",11748719,11466519,"Finančné centrum, a. s.",null,null,null,null,null,"Variant akcia (do 2003 - 2,99%)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"spolupristupitel",{"$f":"IF(RK_spolupristupitel_prijem_podn_typ=\"\",0,VLOOKUP(RK_spolupristupitel_prijem_podn_typ,prijem_podnikanie_akceptacia,2,FALSE))","v":0},null,null,null,null,"Právo a legislatíva",null,null,null,null,null,"pč",{"$f":"AND(RK_ziadatel_prijem_ZC=0,RK_ziadatel_prijem_podn>0)","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15,"Bratislavský kraj","Bratislava II","",0,"","",0,"","",0,"","",0,"","",0,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16150919,"FG Financial Group - SK, a.s.","Plynárenská 7/B","Bratislava ","821 09",null,"pč",{"$f":"AND(RK_spoluziadatel_prijem_ZC=0,RK_spoluziadatel_prijem_podn>0)","v":false},null,null,null,"pč",{"$f":"AND(RK_pristupitel_prijem_ZC=0,RK_pristupitel_prijem_podn>0)","v":false},null,null,null,"pč",{"$f":"AND(RK_spolupristupitel_prijem_ZC=0,RK_spolupristupitel_prijem_podn>0)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,13471119,"Finportal, a.s.",null,null,null,null,null,"8211 - Bratislava Centrál",11749519,16149619,"Finanzpartner a.s.",null,null,null,null,null,"Profit Plus",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ISERROR(SUM(AZ13:AZ16))","v":false},null,null,null,null,"Priemysel",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16,"Bratislavský kraj","Bratislava III","",null,{"$f":"MID(ADDRESS(1,COLUMN(zoz_area),1,1),2,2)","v":"CH"},"",null,{"$f":"MID(ADDRESS(1,COLUMN(zoz_area1),1,1),2,2)","v":"CK"},"",null,{"$f":"MID(ADDRESS(1,COLUMN(zoz_area2),1,1),2,2)","v":"CN"},"",null,{"$f":"MID(ADDRESS(1,COLUMN(zoz_area3),1,1),2,2)","v":"CQ"},"",null,{"$f":"MID(ADDRESS(1,COLUMN(zoz_area4),1,1),2,2)","v":"CT"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16149619,"Finanzpartner a.s.","Tallerova 5","Bratislava","811 02"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16123419,"GEPARD FINANCE, s.r.o.",null,null,null,null,null,"8213 - Bratislava - Nám. SNP 29",11751619,11686319,"Fincentrum a.s.",null,null,null,null,null,"Profit Maxi Plus",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Samospráva",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,17,"Bratislavský kraj","Bratislava IV","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11686319,"Fincentrum a.s.","Gorkého 3","Bratislava 1","811 01"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16146119,"Global Finance, a.s.",null,null,null,null,null,"8214 - Bratislava - Karadžičova 8",11752419,88719,"FinCo Services, a.s.",null,null,null,null,null,"_Kredit_VII. - STARÁ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Služby",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,18,"Bratislavský kraj","Bratislava V","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,88719,"FinCo Services, a.s.","Pribinova 25","Bratislava","811 09"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11589519,"Poistenie.sk s. r. o.",null,null,null,null,null,"8216 - Bratislava - Panónska cesta 5/A",11754019,16142919,"FINGO.SK s.r.o.",null,null,null,null,null,"Kredit II. (do 7/2008)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Stavebníctvo",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,19,"Bratislavský kraj","Malacky","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16142919,"FINGO.SK s.r.o.","Turčianska 19","Bratislava","821 09"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14112919,"Hypocentrum finančné služby, s.r.o.",null,null,null,null,null,"8217 - Bratislava - Hany Meličkovej 43",14426619,14115319,"FINGRANIT s.r.o.",null,null,null,null,null,"Kredit IV. (do 7/2008)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Školstvo, vzdelávanie, veda, výskum",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20,"Bratislavský kraj","Pezinok","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14115319,"FINGRANIT s.r.o.","Južná trieda 119","Košice 1","040 01"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14121719,"Hypomaklér s.r.o.",null,null,null,null,null,"8220 - Banská Bystrica - Dolná 12",11755919,14144419,"Finmax, s.r.o.",null,null,null,null,null,"Kredit VI. (do 2/2009)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Štátna a verejná služba",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,21,"Bratislavský kraj","Senec","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14144419,"Finmax, s.r.o.","Strojnícka 8","Bratislava 2","821 05"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14147919,"IHF Consulting, s.r.o.",null,null,null,null,null,"8221 - Martin - M.R.Štefánika 56",11756719,12449219,"FINPO MB, s.r.o.",null,null,null,null,null,"Benefit",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Telekomunikácie",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,22,"Košický kraj","Gelnica","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,12449219,"FINPO MB, s.r.o.","Zábranie 204/68","Hlohovec 1","920 01"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,13476219,"INSIA SK s.r.o.",null,null,null,null,null,"8222 - Prievidza - Nám. Slobody 9",11757519,13471119,"Finportal, a.s.",null,null,null,null,null,"Kredit (do 2005)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Umenie a kultúra",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,23,"Košický kraj","Košice - Okolie","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,13471119,"Finportal, a.s.","Pribinova 4","Bratislava 1","811 09"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14131319,"JNP Finance, a. s.",null,null,null,null,null,"8223 - Púchov - Športovcov 892",11758319,16123419,"GEPARD FINANCE, s.r.o.",null,null,null,null,null,"Kredit (2005 - 2007)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Veda, výskum",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,24,"Košický kraj","Košice I","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16123419,"GEPARD FINANCE, s.r.o.","Kutlíkova 17","Bratislava","852 50"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16144519,"MACULA poisťovacie  služby s.r.o.",null,null,null,null,null,"8224 - Trenčín - Vajanského 3",11759119,14118819,"Gianna s.r.o.",null,null,null,null,null,"Variant (od 2003)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Výroba",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,25,"Košický kraj","Košice II","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14118819,"Gianna s.r.o.","Lúčka 102","Lúčka","087 01"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11682019,"MBI Consulting s.r.o.",null,null,null,null,null,"8225 - Zvolen - Nám. SNP 41",11760419,16146119,"Global Finance, a.s",null,null,null,null,null,"Komfort 4",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Zdravotníctvo a sociálna starostlivosť",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,26,"Košický kraj","Košice III","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16146119,"Global Finance, a.s","Mlynské Nivy 73/A","Bratislava 2","821 05"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14150819,"OVB Allfinanz Slovensko, a.s.",null,null,null,null,null,"8228 - Žiar nad Hronom - Štefana Moysesa 56",11761219,11589519,"HEUREKA, s.r.o.",null,null,null,null,null,"Komfort 8",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Iná",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,27,"Košický kraj","Košice IV","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11589519,"Poistenie.sk s. r. o.","M.R-Štefánika 66","Martin 1","036 01"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16148819,"PROMIUM a.s.",null,null,null,null,null,"8229 - Žilina - Jána Milca 14",16249919,14112919,"Hypocentrum finančné služby, s.r.o.",null,null,null,null,null,"Hypo plus",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,28,"Košický kraj","Michalovce","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14112919,"Hypocentrum finančné služby, s.r.o.","Laurinská 18","Bratislava 1","811 01"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14106519,"PROSIGHT Slovensko a.s.",null,null,null,null,null,"8230 - Považská Bystrica - Nám. A. Hlinku 25/30",11763919,14121719,"Hypomaklér s.r.o.",null,null,null,null,null,"Profit / Kľúčik (do 5/2005)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,29,"Košický kraj","Rožňava","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14121719,"Hypomaklér s.r.o.","Trnavská cesta 74 A","Bratislava 2","821 02"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11588719,"R.I.C. Slovakia, s.r.o.",null,null,null,null,null,"8231 - Ružomberok - Podhora 46",11764719,14147919,"IHF Consulting, s.r.o.",null,null,null,null,null,"Profit / Kľúčik (od 6/2005 do 10/2007)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30,"Košický kraj","Sobrance","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14147919,"IHF Consulting, s.r.o.","Alberta Mamateja 2/13","Martin 1","036 01"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14135619,"Respect Slovakia s.r.o.",null,null,null,null,null,"8232 - Nové Mesto nad Váhom - Čsl. armády 16",11765519,13476219,"INSIA SK, s.r.o.",null,null,null,null,null,"Kredit V. akcia (pre mladých)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,31,"Košický kraj","Spišská Nová Ves","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,13476219,"INSIA SK, s.r.o.","Laurinská 3","Bratislava 1","811 01"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11591619,"RTP Group, s.r.o.",null,null,null,null,null,"8233 - Dubnica nad Váhom - Pod Hájom 952/1",11766319,14131319,"JNP Finance, a.s.",null,null,null,null,null,"Kredit V. fix 1 rok",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32,"Košický kraj","Trebišov","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14131319,"JNP Finance, a.s.","Seberíniho 9","Bratislava 2","821 03"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16151719,"Silverside Financial services, s.r.o.",null,null,null,null,null,"8236 - Bánovce nad Bebravou - Námestie Ľ. Štúra 10/10",11767119,14107319,"LEONIDES s.r.o",null,null,null,null,null,"Kredit V. akcia 4,09 fix 1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,33,"Nitriansky kraj","Komárno",{"$f":"IF(RK_ziadatel_kraj=$CD34,$CC34,\"\")","v":""},null,null,{"$f":"IF(RK_OU1_kraj=$CD34,$CC34,\"\")","v":""},null,null,{"$f":"IF(RK_OU2_kraj=$CD34,$CC34,\"\")","v":""},null,null,{"$f":"IF(RK_OU3_kraj=$CD34,$CC34,\"\")","v":""},null,null,{"$f":"IF(RK_OU4_kraj=$CD34,$CC34,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16144519,"MACULA poisťovacie  služby s.r.o.","Nám. M. Benku 14","Bratislava 1","811 07"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14149519,"SOPHISTIC Pro Finance a.s.",null,null,null,null,null,"8237 - Banská Bystrica - Horná 69",11769819,13470319,"Maxima Broker, a.s.",null,null,null,null,null,"Kredit VI. akcia 4,09 fix 1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,34,"Nitriansky kraj","Levice","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,13470319,"Maxima Broker, a.s.","Moldavská cesta10/2273","Košice 11","040 11"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14140119,"Umbrella Group, s.r.o.",null,null,null,null,null,"8238 - Bratislava – Žižkova",16254419,11682019,"MBI Marketingberatung International s.r.o.",null,null,null,null,null,"Kredit V. fix 3",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35,"Nitriansky kraj","Nitra","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11682019,"MBI Marketingberatung International s.r.o.","Jašíkova 2","Bratislava 2","821 03"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14152419,"UNIVERSAL maklérsky dom, a.s.",null,null,null,null,null,"8240 - Košice - Hlavná 23",11770019,14146019,"NRF, s.r.o.",null,null,null,null,null,"Kredit VI. fix 3",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,36,"Nitriansky kraj","Nové Zámky","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14150819,"OVB Allfinanz Slovensko a.s.","Kukuričná 8","Bratislava 3","832 48"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16143719,"Smart Brokers s.r.o.",null,null,null,null,null,"8241 - Košice - Námestie Osloboditeľov 5",11771919,14150819,"OVB Allfinanz Slovensko a.s.",null,null,null,null,null,"Kredit IX.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,37,"Nitriansky kraj","Šaľa","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16148819,"PROMIUM a.s. ","Bajkalská 9/B","Bratislava","831 04"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,13473819,"Univerzálna maklérska spoločnosť, s.r.o.",null,null,null,null,null,"8244 - Michalovce - Námestie Osloboditeľov 60",11772719,16148819,"PROMIUM a.s.",null,null,null,null,null,"Kredit IX. fix 1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,38,"Nitriansky kraj","Topoľčany","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14106519,"PROSIGHT Slovensko a.s.","Kavečianska cesta 1A/3637","Košice 1","040 01"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8245 - Poprad - 1. mája 23",11773519,14106519,"PROSIGHT Slovensko a.s.",null,null,null,null,null,"Kredit IX. fix 3",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,39,"Nitriansky kraj","Zlaté Moravce","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,12456419,"QNT SK, s.r.o.","Moldavská 43","Košice 1","040 11"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8246 - Prešov - Hlavná 96",11774319,12456419,"QNT SK, s.r.o.",null,null,null,null,null,"Kredit IX. fix 5",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,40,"Prešovský kraj","Bardejov","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11588719,"R.I.C. Slovakia, s.r.o.","Mostná 66","Nitra 1","949 01"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8247 - Humenné - Nám. Slobody 2",11775119,11588719,"R.I.C. Slovakia, s.r.o.",null,null,null,null,null,"Kredit VIII.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,41,"Prešovský kraj","Humenné","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14135619,"Respect Slovakia s.r.o.","Valova 39","Piešťany 1","921 01"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8248 - Liptovský Mikuláš - 1. mája 16",11777819,14135619,"Respect Slovakia s.r.o.",null,null,null,null,null,"Kredit X.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,42,"Prešovský kraj","Kežmarok","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11591619,"RTP Group, s.r.o.","Mamateyova 13","Bratislava 5","851 04"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8249 - Lučenec - Dr. Vodu 2",11778619,11591619,"RTP Group, s.r.o.",null,null,null,null,null,"Kredit XI.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,43,"Prešovský kraj","Levoča","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16151719,"Silverside Financial services, s.r.o.","Plynárenská 7/B","Bratislava","821 09"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8252 - Bardejov - Radničné námestie 7",11779419,14149519,"SOPHISTIC Pro finance a.s.",null,null,null,null,null,"Kredit IX. fix 3 akcia",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,44,"Prešovský kraj","Medzilaborce","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14149519,"SOPHISTIC Pro finance a.s.","Matičné námestie 1141","Čadca 1","022 01"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8253 - Spišská Nová Ves - Letná 48",11780719,13474619,"TotalMoney s.r.o.",null,null,null,null,null,"ZFP Kombi",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,45,"Prešovský kraj","Poprad","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,13474619,"TotalMoney s.r.o.","Tatranské námestie 5","Poprad 1","058 01"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8254 - Košice - Letná 45",11781519,14140119,"Umbrella Group, s.r.o.",null,null,null,null,null,"UI.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,46,"Prešovský kraj","Prešov","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14140119,"Umbrella Group, s.r.o.","Štefánikova 15","Bratislava 1","811 05"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8255 - Prešov - Hlavná 1",11782319,14152419,"UNIVERSAL maklérsky dom a.s.",null,null,null,null,null,"UII.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,47,"Prešovský kraj","Sabinov","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14152419,"UNIVERSAL maklérsky dom a.s.","Lovinského 22","Bratislava 1","811 04"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8256 - Rožňava - Šafárikova 18",11783119,13473819,"Univerzálna maklérska spoločnosť, s.r.o.",null,null,null,null,null,"UIII.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,48,"Prešovský kraj","Snina","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,13473819,"Univerzálna maklérska spoločnosť, s.r.o.","Dolnopotočná 5","Trnava 1","917 01"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8257 - Rimavská Sobota - Hlavné nám. 15",11785819,null,null,null,null,null,null,null,"UIV.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,49,"Prešovský kraj","Stará Ľubovňa","",null,null,"",null,null,"",null,null,"",null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"RK_FA_provcis","v":0},{"$f":"IFERROR(VLOOKUP($DS50,EDS_list,2,FALSE),\"\")","v":""},{"$f":"IFERROR(VLOOKUP($DS50,EDS_list,3,FALSE),\"\")","v":""},{"$f":"IFERROR(VLOOKUP($DS50,EDS_list,4,FALSE),\"\")","v":""},{"$f":"IFERROR(VLOOKUP($DS50,EDS_list,5,FALSE),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8260 - Komárno - M. R. Štefánika 11",11786619,null,null,null,null,null,null,null,"UV.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,50,"Prešovský kraj","Stropkov","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8261 - Levice - Nám. Hrdinov 13",11787419,null,null,null,null,null,null,null,"UVI.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,51,"Prešovský kraj","Svidník","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8262 - Piešťany - Nám. Slobody 17",11788219,null,null,null,null,null,null,null,"HypoEXTRA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,52,"Prešovský kraj","Vranov nad Topľou","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8263 - Nitra - Fraňa Mojtu 4",11789019,null,null,null,null,null,null,null,"REKO úver",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,53,"Trenčiansky kraj","Bánovce nad Bebravou","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8264 - Nové Zámky - M. R. Štefánika 19",11790319,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,54,"Trenčiansky kraj","Ilava","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8265 - Skalica - Nám. slobody 21",11791119,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,55,"Trenčiansky kraj","Myjava","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8266 - Trnava - Štefánikova 25",11793819,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,56,"Trenčiansky kraj","Nové Mesto nad Váhom","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8267 - Dunajská Streda - Korzo B.Bartóka 9",11794619,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,57,"Trenčiansky kraj","Partizánske","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8268 - Nitra - Štefánikova 45",11795419,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,58,"Trenčiansky kraj","Považská Bystrica","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8270 - Senec - Lichnerova 23",11796219,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,59,"Trenčiansky kraj","Prievidza","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8271 - Trnava - Hlavná 14",11797019,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,60,"Trenčiansky kraj","Púchov","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8272 - Topoľčany - M.R.Štefánika 20",11798919,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,61,"Trenčiansky kraj","Trenčín","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8273 - Pezinok - M. R.Štefánika 20",11799719,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,62,"Trnavský kraj","Dunajská Streda","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8274 - Hlohovec - SNP 9",11800919,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,63,"Trnavský kraj","Galanta","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8284 - Sereď - M.R.Štefánika 280/3",11801719,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,64,"Trnavský kraj","Hlohovec","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8287 - Senica nad Myjavou - Hurbanova 529/2",11802519,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,65,"Trnavský kraj","Piešťany",{"$f":"IF(RK_ziadatel_kraj=$CD66,$CC66,\"\")","v":""},null,null,{"$f":"IF(RK_OU1_kraj=$CD66,$CC66,\"\")","v":""},null,null,{"$f":"IF(RK_OU2_kraj=$CD66,$CC66,\"\")","v":""},null,null,{"$f":"IF(RK_OU3_kraj=$CD66,$CC66,\"\")","v":""},null,null,{"$f":"IF(RK_OU4_kraj=$CD66,$CC66,\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8288 - Šaľa - Hlavná 10/33",11803319,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,66,"Trnavský kraj","Senica","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8289 - Malacky - Ľ. Zúbka 4",11804119,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,67,"Trnavský kraj","Skalica","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8298 - Bratislava - M.Sch.Trnavského 8",11806819,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,68,"Trnavský kraj","Trnava","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8299 - Bratislava - Ružinovská 5",11807619,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,69,"Žilinský kraj","Bytča","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8302 - Bratislava - Aupark II.",11809219,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,70,"Žilinský kraj","Čadca","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8304 - Bratislava - Kaštieľska 2",11810519,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,71,"Žilinský kraj","Dolný Kubín","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8306 - Vráble - Levická 579",13208919,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,72,"Žilinský kraj","Kysucké Nové Mesto","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8309 - Bratislava - Ivánska cesta 16",11811319,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,73,"Žilinský kraj","Liptovský Mikuláš","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8310 - Dolný Kubín - Samuela Nováka 2194",11812119,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,74,"Žilinský kraj","Martin","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8312 - Brezno - Čsl. armády 55",11814819,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,75,"Žilinský kraj","Námestovo","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8314 - Žilina - J. M. Hurbana 1",16248019,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,76,"Žilinský kraj","Ružomberok","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8316 - Čadca - Palárikova 85",11816419,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,77,"Žilinský kraj","Turčianske Teplice","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8317 - Kežmarok - Hlavné nám. 48",11817219,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,78,"Žilinský kraj","Tvrdošín","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8318 - Trebišov - M.R.Štefánika 2104",11818019,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,79,"Žilinský kraj","Žilina","",null,null,"",null,null,"",null,null,"",null,null,""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8319 - Vranov nad Topľou - Nám. Slobody 98",11819919]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8320 - Galanta - Hlavná 21",11820119]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8321 - Zlaté Moravce - Župná 15",11822819]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8322 - Štúrovo - Hlavná 144/28",11823619]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8324 - Bytča - Námestie SR 10",11824419]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8325 - Námestovo - Mláka 6/1",11825219]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8328 - Veľký Krtíš - Nemocničná 10",11826019]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8329 - Partizánske - Gen. Svobodu 885",11827919]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8330 - Poprad - Nám. sv. Egídia 83",11828719]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8332 - Košice - Americká trieda 11",14497919]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8333 - Snina - Strojárska 2525",11829519]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8334 - Šamorín - Hlavná 43",11830819]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8341 - Bratislava - Račianska 21",11832419]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8342 - Stará Ľubovňa - Nám. Sv. Mikuláša 27",13215019]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8344 - Bratislava - Kazanská 56",11834019]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8345 - Bratislava - Vajnorská 100",11835919]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8347 - Žilina - Vysokoškolákov 52",11836719]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8348 - Trenčín - Generála Svobodu 1",11837519]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8350 - Bratislava - Aupark",12065119]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8351 - Dunajská Streda - Galantska cesta",12041619]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8352 - Nitra - Chrenovská cesta",12039519]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8353 - Myjava - Námestie M.R.Štefánika 42",12603319]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8357 - Bratislava - Nám. Hraničiarov 33",13216919]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8361 - Modra - Dukelská 1",13217719]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8367 - Bratislava - Stromová",14376519]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"8368 - Košice - Nám. osloboditeľov, Aupark SC",14357019]

{"sheet":"MOŽNOSTI FINANCOVANIA REKO","index":21,"n_rows":27,"n_cols":21,"rows_kept":27,"cut":false,"hidden":true,"merged":[[7,3,7,4],[8,3,8,4],[19,1,20,1],[26,1,26,5],[16,1,16,4],[15,1,15,4],[14,1,14,4],[1,19,1,20],[18,19,18,20],[11,1,11,4],[10,1,10,4],[18,1,18,5],[13,1,13,4],[12,1,12,4],[2,1,2,5],[1,1,1,5],[3,1,3,4],[4,1,4,5],[9,1,9,4],[5,1,6,2],[7,1,8,2],[5,3,5,4],[6,3,6,4]]}
[null,null,null,null,null,null,null,null,null,null,null,null,"hide","hide","hide","hide","hide","hide","hide","hide","hide"]
[null,"Prepočet možností financovania\nrekonštrukcie alebo modernizácie nehnuteľnosti",null,null,null,null,null,null,null,null,null,null,"splatnost_MU",{"$f":"VLOOKUP(F6,tbl_splatnost,2,FALSE)","v":{"$error":"#N/A"}},"RK_splatnost_SU",{"$f":"VLOOKUP(F6,tbl_splatnost,3,FALSE)","v":{"$error":"#N/A"}},null,4.2000000000000003E-2,null,"DSTI"]
[null,"Vyplňte polia v tejto sekcii podfarbené šedou a stlačte prepočet. Aplikácia preráta možnosti financovania od ČSOB",null,null,null,null,null,null,null,null,null,null,"pridelenie_percento",0.4,"SU_vyska",{"$f":"D22-N20","v":{"$error":"#VALUE!"}},null,4.4499999999999998E-2,null,"max_limit_CSOBSTSP",{"$f":"ROUNDDOWN(PV(F7/12,F6*12,-U5),-2)","v":0}]
[null,"Požadovaná výška úveru",null,null,null,null,null,null,null,null,null,null,"MU_splatka_sporenie",{"$f":"ROUND(D22*N3/N2,2)","v":{"$error":"#VALUE!"}},"SU_splatka",{"$f":"ROUND(PMT(RK_sadzba_SU/12,P2,-P3,0),2)","v":{"$error":"#N/A"}},null,4.7E-2,null,"max_limit_spotr_uv_CSOB",{"$f":"ROUNDDOWN(PV(U9/12,96,-U5),-2)","v":-11400}]
[null,"Splatnosť úverov a ich úroková sadzba",null,null,null,null,null,null,null,null,null,null,"MU_splatka_uroky",{"$f":"ROUND(D22*F7*365/360/12,2)","v":{"$error":"#VALUE!"}},null,null,null,4.9500000000000002E-2,null,"limity_max_splatka_SU",{"$f":"MIN(U6,U7)","v":-147.13999999999999}]
[null,"REKO úver",null,"Splatnosť v rokoch",null,null,null,null,null,null,null,null,"sprava_SS_mesacne",{"$f":"popl_sprava_SS*(N2+12)/N2/12","v":{"$error":"#N/A"}},"ziadost_check_splatky",{"$f":"IF(ABS(ROUND(N19-P4,2))<0.5,0.5,ABS(ROUND(N19-P4,2)))","v":{"$error":"#VALUE!"}},null,null,null,"limity_max_splatka_DSTI_SU",{"$f":"0.65*F11-(F14/IF(F10=2,1,2))-F15-0.05*F17","v":0}]
[null,null,null,"Úroková sadzba p.a. fix 3r.",null,null,null,null,null,null,null,null,"ziadost_SP_vyska",{"$f":"ROUND(N10,2)","v":{"$error":"#VALUE!"}},"MUSU_splatka_pom",{"$f":"MAX(N19,P4)","v":{"$error":"#VALUE!"}},null,null,null,"limity_max_splatka_1_SU",{"$f":"0.7*(F11-U8-F13)-1.1*F14-1.1*F15-0.03*F17","v":-147.13999999999999}]
[null,"Spotrebný úver",null,"Splatnosť v rokoch",null,null,null,null,null,null,null,null,"ziadost_SP_vyska_spolu",{"$f":"N7*N2*0","v":{"$error":"#VALUE!"}},"ziadost_zaplatene_spolu",{"$f":"P10+P9","v":{"$error":"#N/A"}},null,null,null,"ziv_min",{"$f":"par_vydavky_ziadatel+IF(F10=2,par_vydavky_partner,0)+par_vydavky_dieta*F12","v":210.2}]
[null,null,null,"Úroková sadzba p.a.",null,5.5E-2,null,null,null,null,null,null,"ziadost_SP_mesacne",{"$f":"N8/(F6*12)","v":{"$error":"#VALUE!"}},"ziadost_zaplatene_SU",{"$f":"P2*P4","v":{"$error":"#N/A"}},null,null,null,"sadzba_banka_spotr_uver",{"$f":"F9","v":5.5E-2}]
[null,"Počet účastníkov",null,null,null,null,null,null,null,null,null,null,"ziadost_SP_podmienka",{"$f":"IF((N4*0.05)>(66.38/12),66.38/12,N4*0.05)","v":{"$error":"#VALUE!"}},"ziadost_zaplatene_MU",{"$f":"N2*N19-N8","v":{"$error":"#N/A"}},null,null,null,"max vyska uveru od CSOB ST SP",{"$f":"IF(F10=1,20000,IF(F10=2,35000,0))","v":0}]
[null,"Príjem účastníkov",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DTI max cielovka",{"$f":"ROUNDDOWN(8*(12*F11+1)-F16,-2)","v":0}]
[null,"Počet nezaopatrených detí"]
[null,"Výživné"]
[null,"Existujúce splátky úverov na bývanie"]
[null,"Existujúce splátky ostatných úverov"]
[null,"Zostatok existujúcich úverov spolu"]
[null,"Povolené prečerpania a kreditné karty - limity"]
[]
[null,"Porovnanie REKO úveru so spotrebným úverom (v maximálnej možnej výške na financovanie)",null,null,null,null,null,null,null,null,null,null,"MU_splatka",{"$f":"N4+N5-RK_ziadost_SP_vyska+N6","v":{"$error":"#VALUE!"}},"ziadost_preplatenie",{"$f":"P8-D22","v":{"$error":"#N/A"}},null,null,null,"MAXIMÁLNA VÝŠKA ÚVEROV"]
[null,"Parametre",null,"1. alternatíva",null,"2. alternatíva",null,null,null,null,null,null,"MU_NS_celkom",{"$f":"ROUND(FV(urok_sporenie/12,N2,-N4),2)","v":{"$error":"#N/A"}},null,null,null,null,null,"Spotrebný úver ČSOB banky","REKO od ČSOB SP"]
[null,null,null,"REKO úver",null,"Spotrebný úver",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(MIN(U11,IF(OR(U4<600,ISERROR(U4)),0,IF(U4>25000,25000,U4)))<0,0,MIN(U11,IF(OR(U4<600,ISERROR(U4)),0,IF(U4>25000,25000,U4))))","v":0},{"$f":"IF(MIN(U11,IF(OR(U3<0,ISERROR(U3)),0,IF(U3>U10,U10,U3)))<0,0,MIN(U11,IF(OR(U3<0,ISERROR(U3)),0,IF(U3>U10,U10,U3))))","v":0}]
[null,"Výška úveru",null,{"$f":"TEXT(IF(MIN(F4,U21)<0,0,MIN(F4,U21)),\"0 000\") & \" €\"","v":"0 000 €"},null,{"$f":"TEXT(IF(MIN(F4,T21)<0,0,MIN(F4,T21)),\"0 000\") & \" €\"","v":"0 000 €"}]
[null,"Doba splatnosti v rokoch",null,{"$f":"F6","v":0},null,{"$f":"F8","v":0}]
[null,"Úroková sadzba p.a. od",null,{"$f":"F7","v":0},null,{"$f":"F9","v":5.5E-2}]
[null,"Splátka úveru",null,{"$f":"IFERROR(P7,\"\")","v":""},null,{"$f":"IFERROR(PPMT(F9/12,1,F8*12,-F22,0,1),\"\")","v":""}]
[null,"Preplatenosť",null,{"$f":"IFERROR(P19,\"\")","v":""},null,{"$f":"IFERROR(F25*F8*12-F22,\"\")","v":""}]
[null,"Uvedené prepočty jednotlivých alternatív možností financovania, ako aj maximálnej výšky, doby úveru a sadzby REKO úveru a Spotrebného úveru sú informatívne a nemajú záväzný charakter."]

{"sheet":"INFOLIST_REKO","index":22,"n_rows":48,"n_cols":9,"rows_kept":48,"cut":false,"hidden":true,"merged":[[37,8,37,12],[45,4,45,12],[38,8,38,12],[39,8,39,12],[43,4,43,12],[44,4,44,12],[30,8,30,12],[31,8,31,12],[33,1,33,25],[35,8,35,12],[36,8,36,12],[28,8,28,12],[20,1,21,25],[25,1,25,25],[27,8,27,12],[29,8,29,12]]}
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Informatívny prepočet možností financovania rekonštrukcie bývania od ČSOB"]
[]
[null,"Vážený klient,"]
[]
[null,"naša ponuka je pre Vás ideálnym riešením, ako vyriešiť financovanie rekonštrukcie bývania bez zabezpečenia nehnuteľnosti."]
[]
[]
[]
[]
[null,"1. alternatíva REKO úver (úver na rekonštrukciu)"]
[]
[null,"▪ Výška úveru",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA REKO'!D22","v":"0 000 €"}]
[null,"▪ Doba úveru v rokoch",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA REKO'!D23","v":0}]
[null,"▪ Úroková sadzba p.a. fix 3r.",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA REKO'!D24","v":0}]
[null,"▪ Mesačná splátka úveru",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA REKO'!D25","v":""}]
[null,"▪ Preplatenosť",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA REKO'!D26","v":""}]
[]
[null,"2. alternatíva Spotrebný úver"]
[]
[null,"▪ Výška úveru",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA REKO'!F22","v":"0 000 €"}]
[null,"▪ Doba úveru v rokoch",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA REKO'!F23","v":0}]
[null,"▪ Úroková sadzba p.a.",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA REKO'!F24","v":5.5E-2}]
[null,"▪ Mesačná splátka úveru",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA REKO'!F25","v":""}]
[null,"▪ Preplatenosť",null,null,null,null,null,null,{"$f":"'MOŽNOSTI FINANCOVANIA REKO'!F26","v":""}]
[]
[null,"V prípade akýchkoľvek otázok som Vám k dispozícii. "]
[]
[null,"Meno:",null,null,{"$f":"IF(FA_meno_priezvisko=\"\",\"\",FA_meno_priezvisko)","v":""}]
[null,"tel.:",null,null,{"$f":"IF(FA_tel=\"\",\"\",FA_tel)","v":""}]
[null,"e-mail:",null,null,{"$f":"IF(FA_email=\"\",\"\",FA_email)","v":""}]
[]
[null,"Všetky uvedené prepočty sú informatívne a nemajú záväzný charakter."]

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[]
[null,null,null,null,null,null,null,null,null,"CELKOVÉ HODNOTENIE"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(RK_ziadost_vyska_uveru=\"\",RK_ziadost_splatnost=\"\",RK_ziadost_uvreg=\"\",RK_ziadost_vypis=\"\",priznane_prijmy_spolu+priznane_prijmy_spolu_pristupitel=0),\"\",IFERROR(hodnotenie_ziadatel_text_celk,\"NEVYHOVUJE\"))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"02 / 5966 7991 - číslo Helpdesk"]
[]
[null,"Kontrola žiadosti:",null,{"$f":"IF(RK_chyb_hl_uver=\"OK\",\"OK\",IF(RK_chyb_hl_stop_vyhodnotenie,\"CHYBA\",\"Zadajte pole\"))","v":"Zadajte pole"},null,null,null,null,null,{"$f":"RK_chyb_hl_stop_hlasenie","v":""}]
[null,null,null,{"$f":"RK_chyb_hl_uver","v":"Spracovanie žiadosti"}]
[]
[null,null,null,null,null,null,null,null,null,{"$f":"RK_chyb_hl_info_hlasenie","v":""}]
[]
[]
[]
[null,null,"Spracovanie žiadosti",null,null,null,null,null,null,null,null,null,"Číslo zmluvy stavebného sporenia"]
[]
[null,null,"Údaje KP ČSOB"]
[]
[null,null,"Meno",null,null,null,null,null,null,null,null,null,"Osobné číslo KP ČSOB"]
[null,null,"Priezvisko",null,null,null,null,null,null,null,null,null,"Registračné číslo agenta z NBS",null,null,null,null,131420]
[null,null,"Titul(y) pred",null,null,null,null,null,"za",null,null,null,"Pobočka/číslo, adresa"]
[null,null,"E-mail",null,null,null,null,null,null,null,null,null,"Provízne číslo pobočky",null,null,null,null,{"$f":"IF(KP_pobocka=\"\",\"\",VLOOKUP(KP_pobocka,pobocky_banka,2,FALSE))","v":""}]
[null,null,"Tel. kontakt",null,null,null,null,null,null,null,null,null,"Meno a priezvisko 2.podpisujúceho UZ"]
[]
[null,null,"Údaje agenta EDS"]
[]
[null,null,"Meno",null,null,null,null,null,null,null,null,null,"Registračné číslo agenta z NBS"]
[null,null,"Priezvisko",null,null,null,null,null,null,null,null,null,"Identifikačné číslo agenta"]
[null,null,"Titul(y) pred",null,null,null,null,null,"za",null,null,null,"Provízne číslo maklérskej spoločnosti"]
[null,null,"E-mail ",null,null,null,null,null,null,null,null,null,"Názov maklérskej spoločnosti",null,null,null,null,{"$f":"IF(RK_FA_provcis=\"\",\"\",VLOOKUP(RK_FA_provcis,EDS_list,2,FALSE))","v":""}]
[null,null,"Tel. kontakt. ",null,null,null,null,null,null,null,null,null,"Miesto spísania žiadosti"]
[null,null,"Adresa - ulica, číslo",null,null,null,null,null,null,null,null,null,"Miesto odovzdania žiadosti",null,null,null,null,"pobočka ČSOB"]
[null,null,"Adresa - PSČ, mesto",null,null,null,null,null,null,null,null,null,"Pobočka"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Provízne číslo pobočky",null,null,null,null,{"$f":"IFERROR(VLOOKUP(RK_FA_pobocka,pobocky_banka,2,FALSE),\"\")","v":""}]
[]
[]
[null,null,"ŽIADOSŤ O ÚVER",null,null,null,null,null,null,null,{"$f":"IF(spotrebitelsky_ucel,\"úver v zmysle Zákona č. 129/2010\",\"úver v zmysle Zákona č. 90/2016\")","v":"úver v zmysle Zákona č. 90/2016"},null,null,null,null,null,null,"Dátum žiadosti: ",null,null,{"$f":"NOW()","v":43885.543904166669}]
[]
[]
[null,null,"Žiadateľ",null,null,null,null,null,null,null,null,null,"Základné údaje o úvere"]
[]
[null,null,"Meno",null,null,null,null,null,null,null,null,null,"Max. výška úveru/cieľová suma do"]
[null,null,"Priezvisko",null,null,null,null,null,null,null,null,null,"Min. výška úveru akceptovaná klientom"]
[null,null,"Titul(y) pred",null,null,null,null,null,"za",null,null,null,"Typ sporenia",null,null,null,null,"REKO úver",null,null,null,null,null,{"$f":"IF(OR(vykricnik_ziadatel=\"!!\",vykricnik_ziadatel=\"!!!\"),\"Vek žiadateľa prekročil 57 rokov a  nespĺňa podmienky pre poistenie!\",\"\")","v":""}]
[null,null,"Rodné číslo",null,null,null,{"$f":"IF(X42=\"\",\"\",\"!\") & IF(AND(RK_ziadost_poistenie<>\"\",RK_ziadost_poistenie<>\"bez poistenia\",RK_ziadatel_vek>56,RK_ziadatel_vek<>\"\"),\"!!\",\"\")","v":""},null,"Vek",{"$f":"IF(RK_ziadatel_rc=\"\",\"\",IFERROR(DATEDIF(RCtoDATUM(RK_ziadatel_rc),RK_ziadost_datum,\"y\"),\"\"))","v":""},null,null,"Doba splatnosti úveru",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(RK_ziadatel_rc=\"\",prijmy_ziadatel_spolu=0),\"\",IF(RK_ziadatel_vek>69,\"Žiadateľovi nie je možné poskytnúť úver pre vysoký vek.\",IF(ziadatel_vek_pri_splatnosti>podmienka_vek,\"Úver v ČSOB Stavebnej sporiteľni musí byť splatený do \" & podmienka_vek & \" roku veku žiadateľa. Znížte dobu splatnosti.\",\"\")))","v":""}]
[null,null,"Číslo dokladu totožnosti",null,null,null,null,null,"Druh",null,null,null,"Poistenie úveru"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Nárok na štátnu prémiu",null,null,null,null,"nie"]
[null,null,"Účel postkytnutia úveru",null,null,null,null,null,null,null,null,null,"Zostatok existujúcich úverov v ČSOB St. SP"]
[null,null,"Nadobudnutie vlastníctva:"]
[null,null,{"$f":"IF(nadobudnutie_vlastnictva_1,OFFSET(nadobudnutie_vlastnictva_1,0,1) & \"; \",\"\") & IF(nadobudnutie_vlastnictva_2,OFFSET(nadobudnutie_vlastnictva_2,0,1) & \"; \",\"\") & IF(nadobudnutie_vlastnictva_3,OFFSET(nadobudnutie_vlastnictva_3,0,1) & \"; \",\"\") & IF(nadobudnutie_vlastnictva_4,OFFSET(nadobudnutie_vlastnictva_4,0,1) & \"; \",\"\") & IF(nadobudnutie_vlastnictva_5,OFFSET(nadobudnutie_vlastnictva_5,0,1) & \"; \",\"\") & IF(nadobudnutie_vlastnictva_6,OFFSET(nadobudnutie_vlastnictva_6,0,1) & \"; \",\"\")","v":""}]
[null,null,"Modernizácia:"]
[null,null,{"$f":"IF(modernizacia_1,OFFSET(modernizacia_1,0,1) & \"; \",\"\") & IF(modernizacia_2,OFFSET(modernizacia_2,0,1) & \"; \",\"\") & IF(modernizacia_3,OFFSET(modernizacia_3,0,1) & \"; \",\"\") & IF(modernizacia_4,OFFSET(modernizacia_4,0,1) & \"; \",\"\")","v":""}]
[null,null,"Iné účely:"]
[null,null,{"$f":"IF(ine_ucely_1,OFFSET(ine_ucely_1,0,1) & \"; \",\"\") & IF(ine_ucely_2,OFFSET(ine_ucely_2,0,1) & \"; \",\"\") & IF(ine_ucely_3,OFFSET(ine_ucely_3,0,1) & \"; \",\"\") & IF(ine_ucely_4,OFFSET(ine_ucely_4,0,1) & \"; \",\"\") & IF(ine_ucely_5,OFFSET(ine_ucely_5,0,1) & \"; \",\"\") & IF(ine_ucely_6,OFFSET(ine_ucely_6,0,1) & \"; \",\"\") & IF(ine_ucely_7,OFFSET(ine_ucely_7,0,1) & \"; \",\"\") & IF(ine_ucely_8,OFFSET(ine_ucely_8,0,1) & \"; \",\"\") & IF(ine_ucely_9,OFFSET(ine_ucely_9,0,1) & \"; \",\"\") & IF(ine_ucely_10,OFFSET(ine_ucely_10,0,1) & \"; \",\"\") & IF(ine_ucely_11,OFFSET(ine_ucely_11,0,1) & \"; \",\"\") & IF(ine_ucely_12,OFFSET(ine_ucely_12,0,1),\"\") & IF(nadobudnutie_vlastnictva_6,OFFSET(nadobudnutie_vlastnictva_6,0,1),\"\")","v":""}]
[null,null,"Účel využitia financovanej nehnuteľnosti"]
[]
[null,null,"Úverový register - výsledok",-1495786969.778198]
[]
[]
[]
[null,null,"Ďaľšie údaje žiadateľa"]
[]
[null,null,"Rodinný stav",null,null,null,null,null,null,null,null,null,"Štátna príslušnosť"]
[null,null,"Vzdelanie",null,null,null,null,null,null,null,null,null,"Spôsob bývania"]
[null,null,"Adresa trvalého pobytu",null,null,null,null,null,null,null,null,null,"Počet členov v domácnosti"]
[null,null,"Ulica, číslo",null,null,null,null,null,null,null,null,null,"Z toho nezaopatrené deti"]
[null,null,"Mesto",null,null,null,null,null,null,null,null,null,"Podnikateľská činnosť / SZČO"]
[null,null,"PSČ",null,null,null,null,null,null,null,null,null,"Čistý mesačný príjem z podnikania"]
[null,null,"Štát",null,null,null,null,"SR",null,null,null,null,"Podnikateľská činnosť  od dátumu"]
[null,null,"Kraj",null,null,null,null,null,null,null,null,null,"Druh podnikateľskej činnosti"]
[null,null,"Okres",null,null,null,null,null,null,null,null,null,"IČO (resp. DIČ)"]
[null,null,"Tel. kontakt",null,null,null,null,null,null,null,null,null,"Čistý mesačný príjem zo závislej činnosti"]
[null,null,"E-mail2)",null,null,null,null,null,null,null,null,null,"Príjem zo ZČ v zahraničí v mene"]
[null,null,"Štát daňovej rezidencie3)",null,null,null,null,"SR",null,null,null,null,"Pracovný pomer od dátumu"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Druh pracovného pomeru",null,null,null,null,null,null,"do"]
[]
[null,null,"Počet účastníkov úverového vzťahu"]
[null,null,"Dôvodom nesúladu medzi štátom trvalého bydliska a štátom daňovej rezidencie je4)"]
[]
[]
[]
[null,null,"Ďaľšie údaje o úvere"]
[]
[null,null,"Žiadosť o úver na",null,null,null,null,"novej zmluve SS",null,null,null,null,"Predschválený limit na úver v ČSOB"]
[null,null,"Aktuálne údaje existujúcej zmluvy",null,null,null,null,null,null,null,null,null,"Nasporená suma na iných zmluvách"]
[null,null,"Dátum platnosti zmluvy",null,null,null,null,null,null,null,null,null,"Nasporená suma"]
[null,null,"Cieľová suma",null,null,null,null,null,null,null,null,null,"Hodnotiace číslo"]
[null,null,"Typ sporenia",null,null,null,null,null,null,null,null,null,"Príznak nároku na štátnu prémiu"]
[]
[null,null,"Kombinácia úverov spotrebiteľ. a na bývanie",null,null,null,null,null,null,null,null,null,"Nárok na zľavu z úrokovej sadzby pri MU",null,null,null,null,null,null,{"$f":"IF(RK_ziadost_zlava_1_typ<>\"\",VLOOKUP(RK_ziadost_zlava_1_typ,tab_zlavy,2,FALSE),\"\")","v":""}]
[null,null,"Číslo 1. zmluvy - podľa spotrebiteľ. zákona",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_zlava_2_typ<>\"\",VLOOKUP(RK_ziadost_zlava_2_typ,tab_zlavy,2,FALSE),\"\")","v":""}]
[]
[null,null,{"$f":"IF(popl_spracovanie=0,\"\",\"Spôsob úhrady poplatkov\")","v":""},null,null,null,null,null,null,null,{"$f":"IF(popl_spracovanie=0,\"\",\"inkasom z účtu klienta pri 1. čerpaní\")","v":""}]
[null,null,"Spôsob splácania úveru",null,null,null,null,null,null,null,"bankový prevod"]
[null,null,"Spôsob čerpania úveru",null,null,null,null,null,null,null,"ihneď po splnení odkladacích podmienok, preddavkovo"]
[]
[null,null,"Refinancovanie úverov",null,null,null,null,null,null,null,null,null,"Forma zasielania výpisu z účtu"]
[]
[]
[]
[null,null,"Parametre úveru"]
[]
[null,null,"Celková doba splatnosti",null,null,null,null,{"$f":"RK_ziadost_splatnost","v":0}]
[]
[null,null,"MEDZIÚVER",null,null,null,null,null,null,null,null,null,"STAVEBNÝ ÚVER"]
[]
[null,null,"Splátka medziúveru (MÚ)",null,null,null,null,{"$f":"RK_MUSU_splatka_pom+H108","v":{"$error":"#N/A"}},null,null,null,null,"Splátka stavebného úveru (SÚ)",null,null,null,null,{"$f":"RK_MUSU_splatka_pom+R107","v":{"$error":"#N/A"}}]
[]
[null,null,"Vklad na stavebné sporenie",null,null,null,null,{"$f":"H104-RK_MU_splatka_uroky-H108","v":{"$error":"#N/A"}},null,null,null,null,"Splátka SÚ",null,null,null,null,{"$f":"RK_MUSU_splatka_pom","v":{"$error":"#N/A"}}]
[null,null,"Splátka úrokov z MÚ",null,null,null,null,{"$f":"RK_MU_splatka_uroky","v":{"$error":"#N/A"}},null,null,null,null,"Poistné SÚ",null,null,null,null,{"$f":"RK_poistne_SU","v":{"$error":"#N/A"}}]
[null,null,"Poistné MÚ",null,null,null,null,{"$f":"RK_poistne_MU","v":{"$error":"#N/A"}},null,null,null,null,"Úroková sadzba SÚ (p.a.)",null,null,null,null,{"$f":"RK_sadzba_SU","v":0.05}]
[null,null,"Úroková sadzba MÚ (p.a.) - fix 3 r.",null,null,null,null,{"$f":"RK_sadzba_final","v":5.5E-2},null,null,null,null,"RPMN SU",null,null,null,null,{"$f":"RK_RPMN_SU_2","v":{"$error":"#N/A"}}]
[null,null,"RPMN MU",null,null,null,null,{"$f":"RPMN_MU","v":0},null,null,null,null,"Doba SÚ v mesiacoch",null,null,null,null,{"$f":"RK_splatnost_SU","v":{"$error":"#N/A"}}]
[null,null,"Doba MÚ v mesiacoch",null,null,null,null,{"$f":"RK_splatnost_MU","v":{"$error":"#N/A"}}]
[]
[null,null,"Zaplatené celkom",null,null,null,null,{"$f":"RK_ziadost_zaplatene_spolu","v":{"$error":"#N/A"}}]
[null,null,"Preplatenie",null,null,null,null,{"$f":"RK_ziadost_zaplatene_spolu-RK_ziadost_vyska_uveru","v":{"$error":"#N/A"}}]
[]
[]
[]
[null,null,"Spolužiadateľ 1"]
[]
[null,null,"Meno",null,null,null,null,null,null,null,null,null,"Adresa trvalého pobytu"]
[null,null,"Priezvisko",null,null,null,null,null,null,null,null,null,"Ulica, číslo"]
[null,null,"Titul(y) pred",null,null,null,null,null,"za",null,null,null,"Mesto"]
[null,null,"Rodné číslo",null,null,null,{"$f":"IF(X123=\"\",\"\",\"!\")","v":""},null,"Vek",{"$f":"IF(RK_spoluziadatel_RC=\"\",\"\",IFERROR(DATEDIF(RCtoDATUM(RK_spoluziadatel_RC),RK_ziadost_datum,\"y\"),\"\"))","v":""},null,null,"PSČ",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(RK_spoluziadatel_RC=\"\",prijmy_spoludlznik_spolu=0),\"\",IF(RK_spoluziadatel_vek>74,\"Žiadateľovi nie je možné poskytnúť úver pre vysoký vek.\",IF(spoluziadatel_vek_pri_splatnosti>podmienka_vek,\"Úver v ČSOB Stavebnej sporiteľni musí byť splatený do \" & podmienka_vek & \" roku veku spolužiadateľa. Znížte dobu splatnosti.\",\"\")))","v":""}]
[null,null,"Číslo dokladu totožnosti",null,null,null,null,null,"Druh",null,null,null,"Štát"]
[null,null,"Rodinný stav",null,null,null,null,null,null,null,null,null,"Tel. kontakt"]
[null,null,"Vzdelanie",null,null,null,null,null,null,null,null,null,"E-mail"]
[null,null,"Podnikateľská činnosť / SZČO"]
[null,null,"Pracovný pomer od dátumu"]
[null,null,"Druh pracovného pomeru ",null,null,null,null,null,"do"]
[null,null,"Podnikateľská činnosť  od dátumu"]
[null,null,"Druh podnikateľskej činnosti"]
[null,null,"IČO (resp. DIČ)"]
[]
[]
[]
[null,null,"Dalšie čisté mesačné príjmy žiadateľa"]
[]
[null,null,"Diéty",null,null,null,null,null,null,null,null,null,"Dôchodky"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Materská, rodič. príspevok, prídavok"]
[null,null,"Príjmy spolu",null,null,null,null,{"$f":"prijmy_ziadatel_spolu","v":0},null,null,null,null,"Iné príjmy"]
[]
[null,null,"Čisté mesačné príjmy spolužiadateľa 1"]
[]
[null,null,"z podnikania",null,null,null,null,null,null,null,null,null,"Dôchodky"]
[null,null,"zo závislej činnosti",null,null,null,null,null,null,null,null,null,"Materská, rodič. príspevok, prídavok"]
[null,null,"Príjem v zahraničí v mene",null,null,null,null,null,null,null,null,null,"Iné príjmy"]
[null,null,"Diéty"]
[null,null,"Príjmy spolu",null,null,null,null,{"$f":"prijmy_spoludlznik_spolu","v":0}]
[]
[null,null,"Výdavky domácnosti",null,null,null,null,null,null,null,null,null,"Splátky existujúcich úverov, iné platby"]
[]
[null,null,"Výživné",null,null,null,null,null,null,null,null,null,"Typ výdavku",null,null,null,null,"Splátka/Úver. Limit",null,"Zostatok/Využitie"]
[null,null,"Výdavky spolu",null,null,null,null,{"$f":"penazne_zavazky_ziadatel+min_vydavky_ziadatel+RK_ziadatel_vyzivne","v":210.2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_splatka1_druh<>\"Prečerpanie BU/limit kredit.karty\",IF(RK_ziadatel_splatka1_pom=\"\",\"\",RK_ziadatel_splatka1_pom),\"\")","v":""},{"$f":"IF(RK_ziadatel_splatka1_druh=\"Prečerpanie BU/limit kredit.karty\",IF(RK_ziadatel_splatka1_pom=\"\",\"\",RK_ziadatel_splatka1_pom),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_splatka2_druh<>\"Prečerpanie BU/limit kredit.karty\",IF(RK_ziadatel_splatka2_pom=\"\",\"\",RK_ziadatel_splatka2_pom),\"\")","v":""},{"$f":"IF(RK_ziadatel_splatka2_druh=\"Prečerpanie BU/limit kredit.karty\",IF(RK_ziadatel_splatka2_pom=\"\",\"\",RK_ziadatel_splatka2_pom),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_splatka3_druh<>\"Prečerpanie BU/limit kredit.karty\",IF(RK_ziadatel_splatka3_pom=\"\",\"\",RK_ziadatel_splatka3_pom),\"\")","v":""},{"$f":"IF(RK_ziadatel_splatka3_druh=\"Prečerpanie BU/limit kredit.karty\",IF(RK_ziadatel_splatka3_pom=\"\",\"\",RK_ziadatel_splatka3_pom),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_splatka4_druh<>\"Prečerpanie BU/limit kredit.karty\",IF(RK_ziadatel_splatka4_pom=\"\",\"\",RK_ziadatel_splatka4_pom),\"\")","v":""},{"$f":"IF(RK_ziadatel_splatka4_druh=\"Prečerpanie BU/limit kredit.karty\",IF(RK_ziadatel_splatka4_pom=\"\",\"\",RK_ziadatel_splatka4_pom),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_splatka5_druh<>\"Prečerpanie BU/limit kredit.karty\",IF(RK_ziadatel_splatka5_pom=\"\",\"\",RK_ziadatel_splatka5_pom),\"\")","v":""},{"$f":"IF(RK_ziadatel_splatka5_druh=\"Prečerpanie BU/limit kredit.karty\",IF(RK_ziadatel_splatka5_pom=\"\",\"\",RK_ziadatel_splatka5_pom),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_splatka6_druh<>\"Prečerpanie BU/limit kredit.karty\",IF(RK_ziadatel_splatka6_pom=\"\",\"\",RK_ziadatel_splatka6_pom),\"\")","v":""},{"$f":"IF(RK_ziadatel_splatka6_druh=\"Prečerpanie BU/limit kredit.karty\",IF(RK_ziadatel_splatka6_pom=\"\",\"\",RK_ziadatel_splatka6_pom),\"\")","v":""}]
[]
[]
[]
[null,null,"Ostatné údaje žiadateľa"]
[]
[null,null,"Názov zamestnávateľa",null,null,null,null,null,null,null,null,null,"Pracovná pozícia / funkcia"]
[null,null,"IČO"]
[null,null,"Adresa zamestnávateľa",null,null,null,null,null,null,null,null,null,"Typ zamestnania"]
[null,null,"Ulica, číslo",null,null,null,null,null,null,null,null,null,"Pracovná oblasť"]
[null,null,"Mesto",null,null,null,null,null,null,null,null,null,"Typ pracovnej činnosti"]
[null,null,"PSČ",null,null,null,null,null,null,null,null,null,"Forma vyplácania"]
[null,null,"Štát",null,null,null,null,null,null,null,null,null,"Zamestnávateľ je rodinný príslušník"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Politicky exponovaná osoba5)"]
[null,null,"Počet objektov úveru",null,null,null,null,null,null,null,null,null,"Osoba s osobitným vzťahom k banke6)"]
[]
[null,null,"Korešpondenčná adresa je iná ako adresa trvalého bydliska"]
[]
[null,null,"Korešpondenčná adresa žiadateľa"]
[null,null,"Ulica, číslo",null,null,null,null,null,null,null,null,null,"PSČ"]
[null,null,"Mesto",null,null,null,null,null,null,null,null,null,"Štát"]
[]
[]
[]
[null,null,"Ostatné údaje spolužiadateľa 1"]
[]
[null,null,"Názov zamestnávateľa",null,null,null,null,null,null,null,null,null,"Typ zamestnania"]
[null,null,"IČO",null,null,null,null,null,null,null,null,null,"Pracovná pozícia / funkcia"]
[null,null,"Forma vyplácania",null,null,null,null,null,null,null,null,null,"Zamestnávateľ je rodinný príslušník"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Štátna a verejná služba"]
[null,null,"Adresa zamestnávateľa"]
[null,null,"Ulica, číslo",null,null,null,null,null,null,null,null,null,"Politicky exponovaná osoba"]
[null,null,"Mesto",null,null,null,null,null,null,null,null,null,"Osoba s osobitným vzťahom k banke"]
[null,null,"PSČ"]
[null,null,"Štát"]
[]
[null,null,"Korešpondenčná adresa je iná ako adresa trvalého bydliska"]
[]
[null,null,"Korešpondenčná adresa spolužiadateľa 1"]
[null,null,"Ulica, číslo",null,null,null,null,null,null,null,null,null,"PSČ"]
[null,null,"Mesto",null,null,null,null,null,null,null,null,null,"Štát"]
[]
[]
[]
[null,null,"Objekt úveru 1"]
[]
[null,null,"Druh objektu úveru"]
[null,null,"List vlastníctva číslo",null,null,null,null,null,null,null,null,null,"Adresa nehnuteľnosti"]
[null,null,"Katastrálne územie",null,null,null,null,null,null,null,null,null,"Ulica, číslo"]
[null,null,"Súpisné číslo",null,null,null,null,null,null,null,null,null,"Mesto / obec"]
[null,null,"Číslo bytu",null,null,null,null,null,null,null,null,null,"Kraj"]
[null,null,"Vchod",null,null,null,null,null,null,null,null,null,"Okres"]
[]
[]
[]
[null,null,"Objekt úveru 2"]
[]
[null,null,"Druh objektu úveru"]
[null,null,"List vlastníctva číslo",null,null,null,null,null,null,null,null,null,"Adresa nehnuteľnosti"]
[null,null,"Katastrálne územie",null,null,null,null,null,null,null,null,null,"Ulica, číslo"]
[null,null,"Súpisné číslo",null,null,null,null,null,null,null,null,null,"Mesto / obec"]
[null,null,"Číslo bytu",null,null,null,null,null,null,null,null,null,"Kraj"]
[null,null,"Vchod",null,null,null,null,null,null,null,null,null,"Okres"]
[]
[]
[]
[null,null,"Objekt úveru 3"]
[]
[null,null,"Druh objektu úveru"]
[null,null,"List vlastníctva číslo",null,null,null,null,null,null,null,null,null,"Adresa nehnuteľnosti"]
[null,null,"Katastrálne územie",null,null,null,null,null,null,null,null,null,"Ulica, číslo"]
[null,null,"Súpisné číslo",null,null,null,null,null,null,null,null,null,"Mesto / obec"]
[null,null,"Číslo bytu",null,null,null,null,null,null,null,null,null,"Kraj"]
[null,null,"Vchod",null,null,null,null,null,null,null,null,null,"Okres"]
[]
[]
[]
[null,null,"Objekt úveru 4"]
[]
[null,null,"Druh objektu úveru"]
[null,null,"List vlastníctva číslo",null,null,null,null,null,null,null,null,null,"Adresa nehnuteľnosti"]
[null,null,"Katastrálne územie",null,null,null,null,null,null,null,null,null,"Ulica, číslo"]
[null,null,"Súpisné číslo",null,null,null,null,null,null,null,null,null,"Mesto / obec"]
[null,null,"Číslo bytu",null,null,null,null,null,null,null,null,null,"Kraj"]
[null,null,"Vchod",null,null,null,null,null,null,null,null,null,"Okres"]
[]
[]
[]
[null,null,"Spolužiadateľ 2"]
[]
[null,null,"Meno",null,null,null,null,null,null,null,null,null,"Rodinný stav"]
[null,null,"Priezvisko",null,null,null,null,null,null,null,null,null,"Vzdelanie"]
[null,null,"Titul(y) pred",null,null,null,null,null,"za",null,null,null,"Adresa trvalého pobytu"]
[null,null,"Rodné číslo",null,null,null,{"$f":"IF(X251=\"\",\"\",\"!\")","v":""},null,"Vek",{"$f":"IF(RK_pristupitel_RC=\"\",\"\",IFERROR(DATEDIF(RCtoDATUM(RK_pristupitel_RC),RK_ziadost_datum,\"y\"),\"\"))","v":""},null,null,"Ulica, číslo",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(RK_pristupitel_RC=\"\",prijmy_pristupitel_spolu=0),\"\",IF(RK_pristupitel_vek>74,\"Žiadateľovi nie je možné poskytnúť úver pre vysoký vek.\",IF(pristupitel_vek_pri_splatnosti>podmienka_vek,\"Úver v ČSOB Stavebnej sporiteľni musí byť splatený do \" & podmienka_vek & \" roku veku účastníkov. Znížte dobu splatnosti.\",\"\")))","v":""}]
[null,null,"Číslo dokladu totožnosti",null,null,null,null,null,"Druh",null,null,null,"Mesto"]
[null,null,"Vzťah spolužiadateľa 2 k žiadateľovi",null,null,null,null,null,null,null,null,null,"PSČ"]
[null,null,"Počet členov v domácnosti",null,null,null,null,null,null,null,null,null,"Štát"]
[null,null,"Z toho nezaopatrené deti",null,null,null,null,null,null,null,null,null,"Tel. kontakt"]
[null,null,"Podnikateľská činnosť / SZČO",null,null,null,null,null,null,null,null,null,"E-mail"]
[null,null,"Pracovný pomer od dátumu"]
[null,null,"Druh pracovného pomeru ",null,null,null,null,null,"do",null,null,null,"Názov zamestnávateľa"]
[null,null,"Typ zamestnania",null,null,null,null,null,null,null,null,null,"IČO"]
[null,null,"Pracovná pozícia / funkcia",null,null,null,null,null,null,null,null,null,"Zamestnávateľ je rodinný príslušník"]
[null,null,"Podnikateľská činnosť  od dátumu",null,null,null,null,null,null,null,null,null,"Štátna a verejná služba"]
[null,null,"Druh podnikateľskej činnosti",null,null,null,null,null,null,null,null,null,"Adresa zamestnávateľa"]
[null,null,"IČO (resp. DIČ)",null,null,null,null,null,null,null,null,null,"Ulica, číslo"]
[null,null,"Forma vyplácania",null,null,null,null,null,null,null,null,null,"Mesto"]
[null,null,"Politicky exponovaná osoba",null,null,null,null,null,null,null,null,null,"PSČ"]
[null,null,"Osoba s osobitným vzťahom k banke",null,null,null,null,null,null,null,null,null,"Štát"]
[]
[null,null,"Korešpondenčná adresa je iná ako adresa trvalého bydliska"]
[]
[null,null,"Korešpondenčná adresa spolužiadateľa 2"]
[null,null,"Ulica, číslo",null,null,null,null,null,null,null,null,null,"PSČ"]
[null,null,"Mesto",null,null,null,null,null,null,null,null,null,"Štát"]
[]
[]
[]
[null,null,"Spolužiadateľ 3"]
[]
[null,null,"Meno",null,null,null,null,null,null,null,null,null,"Adresa trvalého pobytu"]
[null,null,"Priezvisko",null,null,null,null,null,null,null,null,null,"Ulica, číslo"]
[null,null,"Titul(y) pred",null,null,null,null,null,"za",null,null,null,"Mesto"]
[null,null,"Rodné číslo",null,null,null,{"$f":"IF(X281=\"\",\"\",\"!\")","v":""},null,"Vek",{"$f":"IF(RK_spolupristupitel_RC=\"\",\"\",IFERROR(DATEDIF(RCtoDATUM(RK_spolupristupitel_RC),RK_ziadost_datum,\"y\"),\"\"))","v":""},null,null,"PSČ",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(RK_spolupristupitel_RC=\"\",prijmy_manz_pristupitela_spolu=0),\"\",IF(RK_spolupristupitel_vek>74,\"Žiadateľovi nie je možné poskytnúť úver pre vysoký vek.\",IF(spolupristupitel_vek_pri_splatnosti>podmienka_vek,\"Úver v ČSOB Stavebnej sporiteľni musí byť splatený do \" & podmienka_vek & \" roku veku účastníkov. Znížte dobu splatnosti.\",\"\")))","v":""}]
[null,null,"Číslo dokladu totožnosti",null,null,null,null,null,"Druh",null,null,null,"Štát"]
[null,null,"Rodinný stav",null,null,null,null,null,null,null,null,null,"Tel. kontakt"]
[null,null,"Vzdelanie",null,null,null,null,null,null,null,null,null,"E-mail"]
[null,null,"Podnikateľská činnosť / SZČO"]
[null,null,"Pracovný pomer od dátumu",null,null,null,null,null,null,null,null,null,"Názov zamestnávateľa"]
[null,null,"Druh pracovného pomeru ",null,null,null,null,null,"do",null,null,null,"IČO"]
[null,null,"Typ zamestnania",null,null,null,null,null,null,null,null,null,"Zamestnávateľ je rodinný príslušník"]
[null,null,"Pracovná pozícia / funkcia",null,null,null,null,null,null,null,null,null,"Štátna a verejná služba"]
[null,null,"Podnikateľská činnosť od dátumu"]
[null,null,"Druh podnikateľskej činnosti",null,null,null,null,null,null,null,null,null,"Adresa zamestnávateľa"]
[null,null,"IČO (resp. DIČ)",null,null,null,null,null,null,null,null,null,"Ulica, číslo"]
[null,null,"Forma vyplácania",null,null,null,null,null,null,null,null,null,"Mesto"]
[null,null,"Politicky exponovaná osoba",null,null,null,null,null,null,null,null,null,"PSČ"]
[null,null,"Osoba s osobitným vzťahom k banke",null,null,null,null,null,null,null,null,null,"Štát"]
[]
[null,null,"Korešpondenčná adresa je iná ako adresa trvalého bydliska"]
[]
[null,null,"Korešpondenčná adresa spolužiadateľa 3"]
[null,null,"Ulica, číslo",null,null,null,null,null,null,null,null,null,"PSČ"]
[null,null,"Mesto",null,null,null,null,null,null,null,null,null,"Štát"]
[]
[]
[]
[null,null,"Čistý mesačný príjem spolužiadateľa 2"]
[]
[null,null,"z podnikania",null,null,null,null,null,null,null,null,null,"Dôchodky"]
[null,null,"zo závislej činnosti",null,null,null,null,null,null,null,null,null,"Materská, rodič. príspevok, prídavok"]
[null,null,"Príjem v zahraničí v mene",null,null,null,null,null,null,null,null,null,"Iné príjmy"]
[null,null,"Diéty"]
[null,null,"Príjmy spolu",null,null,null,null,{"$f":"prijmy_pristupitel_spolu","v":0}]
[]
[null,null,"Čistý mesačný príjem spolužiadateľa 3"]
[]
[null,null,"z podnikania",null,null,null,null,null,null,null,null,null,"Dôchodky"]
[null,null,"zo závislej činnosti",null,null,null,null,null,null,null,null,null,"Materská, rodič. príspevok, prídavok"]
[null,null,"Príjem v zahraničí v mene",null,null,null,null,null,null,null,null,null,"Iné príjmy"]
[null,null,"Diéty"]
[null,null,"Priznané príjmy spolu",null,null,null,null,{"$f":"prijmy_manz_pristupitela_spolu","v":0}]
[]
[null,null,"Výdavky domácnosti",null,null,null,null,null,null,null,null,null,"Splátky existujúcich úverov, iné platby"]
[]
[null,null,"Výživné",null,null,null,null,null,null,null,null,null,"Typ výdavku",null,null,null,null,"Splátka/Úver. limit",null,"Zostatok/Využitie"]
[null,null,"Výdavky spolu",null,null,null,null,{"$f":"penazne_zavazky_pristupitel+min_vydavky_pristupitel+RK_pristupitel_vyzivne","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_splatka1_druh<>\"Prečerpanie BU/limit kredit.karty\",IF(RK_pristupitel_splatka1_pom=\"\",\"\",RK_pristupitel_splatka1_pom),\"\")","v":""},{"$f":"IF(RK_pristupitel_splatka1_druh=\"Prečerpanie BU/limit kredit.karty\",IF(RK_pristupitel_splatka1_pom=\"\",\"\",RK_pristupitel_splatka1_pom),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_splatka2_druh<>\"Prečerpanie BU/limit kredit.karty\",IF(RK_pristupitel_splatka2_pom=\"\",\"\",RK_pristupitel_splatka2_pom),\"\")","v":""},{"$f":"IF(RK_pristupitel_splatka2_druh=\"Prečerpanie BU/limit kredit.karty\",IF(RK_pristupitel_splatka2_pom=\"\",\"\",RK_pristupitel_splatka2_pom),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_splatka3_druh<>\"Prečerpanie BU/limit kredit.karty\",IF(RK_pristupitel_splatka3_pom=\"\",\"\",RK_pristupitel_splatka3_pom),\"\")","v":""},{"$f":"IF(RK_pristupitel_splatka3_druh=\"Prečerpanie BU/limit kredit.karty\",IF(RK_pristupitel_splatka3_pom=\"\",\"\",RK_pristupitel_splatka3_pom),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_splatka4_druh<>\"Prečerpanie BU/limit kredit.karty\",IF(RK_pristupitel_splatka4_pom=\"\",\"\",RK_pristupitel_splatka4_pom),\"\")","v":""},{"$f":"IF(RK_pristupitel_splatka4_druh=\"Prečerpanie BU/limit kredit.karty\",IF(RK_pristupitel_splatka4_pom=\"\",\"\",RK_pristupitel_splatka4_pom),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_splatka5_druh<>\"Prečerpanie BU/limit kredit.karty\",IF(RK_pristupitel_splatka5_pom=\"\",\"\",RK_pristupitel_splatka5_pom),\"\")","v":""},{"$f":"IF(RK_pristupitel_splatka5_druh=\"Prečerpanie BU/limit kredit.karty\",IF(RK_pristupitel_splatka5_pom=\"\",\"\",RK_pristupitel_splatka5_pom),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_splatka6_druh<>\"Prečerpanie BU/limit kredit.karty\",IF(RK_pristupitel_splatka6_pom=\"\",\"\",RK_pristupitel_splatka6_pom),\"\")","v":""},{"$f":"IF(RK_pristupitel_splatka6_druh=\"Prečerpanie BU/limit kredit.karty\",IF(RK_pristupitel_splatka6_pom=\"\",\"\",RK_pristupitel_splatka6_pom),\"\")","v":""}]
[]
[]
[]
[null,null,"Prevzatie"]
[]
[null,null,"Žiadateľ o úver (stavebný sporiteľ) prevzal"]
[]
[null,null,"a) Všeobecné obchodné podmienky pre stavebné sporenie (ďalej len \"VOP\" a ich prílohu \"Typy sporenia pre fyzické osoby - obyvateľov\","]
[null,null,"b) Sadzobník poplatkov pre fyzické osoby - obyvateľov,"]
[null,null,"c) Informačný formulár pre vkladateľa"]
[]
[]
[]
[null,null,"Prepočet uvádzaný v tejto žiadosti ako aj predpokladaná dĺžka trvania úveru je len informatívna, nakoľko je závislá od splnenia a dodržania dojednaných podmienok (napr. od výšky získanej štátnej prémie, od poplatkov za poskytované bankové služby, od platobnej disciplíny a pod.). Skutočné trvanie úveru a výška mesačných splátok stavebného úveru môže byť odlišná od údajov uvedených v tejto žiadosti."]
[null,null,"1) V dôsledku zmeny e-mailovej adresy uvedenej v tejto žiadosti dochádza k zmene e-mailovej adresy na zasielanie Výpisu z účtu elektronicky, pokiaľ som o tento spôsob zasielania Výpisu z účtu požiadal.  Zároveň aj prípadné ďalšie informácie zo strany ČSOB SP týkajúce sa zmlúv o stavebnom sporení a úverových zmlúv, ku ktorým sa poskytuje Výpis z účtu v elektronickej forme, budú zasielané na túto novú e-mailovú adresu."]
[null,null,"2) Štát, v ktorom stavebný sporiteľ platí dane zo svojich celosvetových príjmov."]
[null,null,"3) Vyplňte iba v prípade ak sa štát daňovej rezidencie líši od štátu uvedenom v trvalom pobyte žiadateľa o úver (stavebného sporiteľa)"]
[null,null,"4) Vyhlasujem, že nie som politicky exponovaná osoba v zmysle zákona č. 297/2008 Z.z."]
[null,null,"5) Vyhlasujem, že nie som osobou s osobitným vzťahom k banke v zmysle § 35 zákona č. 483/2001 Z. z. o bankách v platnom znení. V prípade, ak nastane zmena vo vzťahu k tomuto vyhláseniu, sa zaväzujem takúto zmenu oznámiť bez zbytočného odkladu.  Nepravdivosti tohto vyhlásenia má za následok neplatnosť tohto právneho úkonu. "]
[null,null,"6) ČSOB SP poskytuje Výpis z účtu v elektronickej forme stavebnému sporiteľovi v lehote a za podmienok v zmysle platných VOP na uvedenú mailovú adresu  (ďalej len „Adresu“)  a to k všetkým platným a účinným zmluvám o stavebnom sporení, ktorých je majiteľom a úverovým zmluvám, na ktorých stavebný sporiteľ figuruje ako hlavný dlžník, bez ohľadu na dátum uzatvorenia zmluvy.\nČSOB SP poskytuje Výpis z účtu vždy na poslednú e-mailovú adresu oznámenú stavebným sporiteľom v príslušnom tlačive ČSOB SP.\nVýpisy z účtu v elektronickej forme sú zasielané na Adresu vo formáte PDF skomprimované do Zip súboru a zabezpečené heslom.\nZa heslo sa považujú posledné 4 číslice rodného čísla a rok narodenia majiteľa účtu: ČČČČRRRR.\nStavebný sporiteľ zároveň podpisom tejto žiadosti súhlasí s tým, aby aj prípadné ďalšie informácie zo strany ČSOB SP týkajúce sa zmlúv o stavebnom sporení a úverových zmlúv, ku ktorým sa poskytuje Výpis z účtu v elektronickej forme, boli zasielané na Adresu."]
[]
[null,null,"Vybrané poplatky v zmysle platného Sadzobníka poplatkov pre fyzické osoby – obyvateľov, ktoré budú zúčtované v súlade s VOP."]
[null,null,"Uzatvorenie zmluvy o stavebnom sporení:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Spracovanie a schválenie úverového prípadu - pri medziúvere:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"popl_spracovanie","v":0}]
[null,null,"Správa účtu k zmluve o stavebnom sporení:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"16 € ročne"]
[null,null,"Správa úverového účtu - pri medziúvere, pri stavebnom úvere:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"bez poplatku"]
[null,null,"Poskytnutie informácie o zúčtovaní na účte k zmluve stavebného sporenia (ročne poštou)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,3.5]
[null,null,"Poskytnutie informácie o zúčtovaní na účte k zmluve o medziúvere alebo stavebnom úvere (ročne poštou)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,2.5]
[null,null,"Poskytnutie informácie o zúčtovaní na účte (ročne sprístupnený v elektronickej forme)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"bez poplatku"]
[null,null,"Stavebná sporiteľňa je oprávnená meniť poplatky za podmienok uvedených vo VOP."]
[null,null,"Výška vyššie uvedených poplatkov môže byť primerane znížená v závislosti od podmienok akciovej ponuky ČSOB SP."]

{"sheet":"REKO_refinancovanie","index":24,"n_rows":41,"n_cols":20,"rows_kept":41,"cut":false,"hidden":true,"merged":[[36,5,36,12],[21,10,21,12],[22,10,22,12],[31,7,31,8],[32,7,32,8],[33,7,33,8]]}
[null,"Postup:"]
[null,"1. Možné je refinancovať len úvery ČSOB SP, ostatných stavebných sporiteľní  a spotrebné úvery ostatných bánk."]
[null,"2. Ak spĺňate túto podmienku zadajte v tabuľke 1. informácie ohľadom pôvodných refinancovaných úverov. Začnite voľbou „Inštitúcia“."]
[null,"3. Riadky v tabuľke musia byť riadne vyplnené - buď je riadok prázdny alebo sú vyplnené všetky povinné bunky ! Povinnosť bunky je závislá od Inštitúcie a je podsvietená červeným."]
[null,"4. Výšku CS zadáte pre prípad pôvodného medziúveru v ČSOB SP, výšku zostatku úveru zadáte pre prípad pôvodného stavebného úveru ČSOB SP alebo úveru od ostatných stavebných sporiteľní a spotrebného úveru ostatných bánk."]
[null,"5. Po vyplnení všetkých povinných polí sa zobrazí nižšie výsledok či je kontrola vyplnenia tabuľky OK. Ak je OK tak sa môžete vrátiť naspäť do žiadosti a pokračovať v jej vypĺňaní. Výstup z tohto hárku sa vytlačí automaticky spolu so žiadosťou o úver."]
[null,"6. Ak nie sú správne vyplnené polia zobrazí sa hláška „Riadok nie je správne vyplnený“ a je potrebné vykonať opravu, resp. úver nie je možné refinancovať."]
[]
[]
[null,"Tabuľka 1. - INFORMÁCIA OHĽADOM AKCIE ZJEDNODUŠENÉ SPLATENIE A POPLATKU ZA PREDČASNÉ SPLATENIE ÚVERU ČSOB SP"]
[null,"Pôvodné úvery, ktoré budú refinancované",null,null,null,{"$f":"IF(SUM(Q13:Q17)=0,\"\",\"Vyplňte červeným podfarbené polia!\")","v":""}]
[null,"Poradie","Inštitúcia","Číslo úveru","Typ sporenia","Typ úveru","Úver určený na vlastné bývanie","Zabezpečenie","Fixácia úveru","Úver starší ako 12 mesiacov v ČSOB SP","Výška CS","Výška\nzostatku\núveru (SU)","Splátka úveru","Úroková sadzba","Nasporená suma"]
[null,"1.",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(F13=\"MU\",L13>0,NOT(AND(COUNTIF(refin_institucia,zoz_CSOBSP)=1,COUNTIF(refin_institucia,zoz_ine_banky)=1))),FALSE,IF(AND(F13=\"SU\",K13>0),FALSE,TRUE))","v":true},{"$f":"IF(OR(T13=\"\",ISERROR(T13)),0,1)","v":0},null,null,{"$f":"IF(AND(OR(E13=\"Kredit VIII.\",E13=\"Kredit X.\",E13=\"Kredit XI.\"),H13=zab_nehn),\"Pre zvolený typ sporenia nie je možné zabezpečenie nehnuteľnosťou!\",IF(OR(AND(COUNTA(D13:N13)>0,C13=\"\"),AND(COUNTA(D13:N13)>0,COUNTA(D13:N13)<9,C13=zoz_CSOBSP)),\"Riadok nie je správne vyplnený!\",IF(AND(OR(C13=zoz_ine_banky,C13=zoz_ineSS),OR(G13=\"\",H13=\"\",L13=\"\",M13=\"\",D13=\"\",E13<>\"\",F13<>\"\",I13<>\"\",K13<>\"\",N13<>\"\")),\"Riadok nie je správne vyplnený!\",IF(P13,IF(OR(G13=nie,AND(C13=zoz_CSOBSP,J13=nie)),\"Tento typ úveru nie je možné refinancovať úverom z ČSOB SP\",\"\"),\"Vyplnili ste navyše výšku CS, resp. výšku úveru.\"))))","v":""}]
[null,"2.",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(F14=\"MU\",L14>0,NOT(AND(COUNTIF(refin_institucia,zoz_CSOBSP)=1,COUNTIF(refin_institucia,zoz_ine_banky)=1))),FALSE,IF(AND(F14=\"SU\",K14>0),FALSE,TRUE))","v":true},{"$f":"IF(OR(T14=\"\",ISERROR(T14)),0,1)","v":0},null,null,{"$f":"IF(AND(OR(E14=\"Kredit VIII.\",E14=\"Kredit X.\",E14=\"Kredit XI.\"),H14=zab_nehn),\"Pre zvolený typ sporenia nie je možné zabezpečenie nehnuteľnosťou!\",IF(OR(AND(COUNTA(D14:N14)>0,C14=\"\"),AND(COUNTA(D14:N14)>0,COUNTA(D14:N14)<9,C14=zoz_CSOBSP)),\"Riadok nie je správne vyplnený!\",IF(AND(OR(C14=zoz_ine_banky,C14=zoz_ineSS),OR(G14=\"\",H14=\"\",L14=\"\",M14=\"\",D14=\"\",E14<>\"\",F14<>\"\",I14<>\"\",K14<>\"\",N14<>\"\")),\"Riadok nie je správne vyplnený!\",IF(P14,IF(OR(G14=nie,AND(C14=zoz_CSOBSP,J14=nie)),\"Tento typ úveru nie je možné refinancovať úverom z ČSOB SP\",\"\"),\"Vyplnili ste navyše výšku CS, resp. výšku úveru.\"))))","v":""}]
[null,"3.",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(F15=\"MU\",L15>0),FALSE,IF(AND(F15=\"SU\",K15>0),FALSE,TRUE))","v":true},{"$f":"IF(OR(T15=\"\",ISERROR(T15)),0,1)","v":0},null,null,{"$f":"IF(AND(OR(E15=\"Kredit VIII.\",E15=\"Kredit X.\",E15=\"Kredit XI.\"),H15=zab_nehn),\"Pre zvolený typ sporenia nie je možné zabezpečenie nehnuteľnosťou!\",IF(OR(AND(COUNTA(D15:N15)>0,C15=\"\"),AND(COUNTA(D15:N15)>0,COUNTA(D15:N15)<9,C15=zoz_CSOBSP)),\"Riadok nie je správne vyplnený!\",IF(AND(OR(C15=zoz_ine_banky,C15=zoz_ineSS),OR(G15=\"\",H15=\"\",L15=\"\",M15=\"\",D15=\"\",E15<>\"\",F15<>\"\",I15<>\"\",K15<>\"\",N15<>\"\")),\"Riadok nie je správne vyplnený!\",IF(P15,IF(OR(G15=nie,AND(C15=zoz_CSOBSP,J15=nie)),\"Tento typ úveru nie je možné refinancovať úverom z ČSOB SP\",\"\"),\"Vyplnili ste navyše výšku CS, resp. výšku úveru.\"))))","v":""}]
[null,"4.",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(F16=\"MU\",L16>0),FALSE,IF(AND(F16=\"SU\",K16>0),FALSE,TRUE))","v":true},{"$f":"IF(OR(T16=\"\",ISERROR(T16)),0,1)","v":0},null,null,{"$f":"IF(AND(OR(E16=\"Kredit VIII.\",E16=\"Kredit X.\",E16=\"Kredit XI.\"),H16=zab_nehn),\"Pre zvolený typ sporenia nie je možné zabezpečenie nehnuteľnosťou!\",IF(OR(AND(COUNTA(D16:N16)>0,C16=\"\"),AND(COUNTA(D16:N16)>0,COUNTA(D16:N16)<9,C16=zoz_CSOBSP)),\"Riadok nie je správne vyplnený!\",IF(AND(OR(C16=zoz_ine_banky,C16=zoz_ineSS),OR(G16=\"\",H16=\"\",L16=\"\",M16=\"\",D16=\"\",E16<>\"\",F16<>\"\",I16<>\"\",K16<>\"\",N16<>\"\")),\"Riadok nie je správne vyplnený!\",IF(P16,IF(OR(G16=nie,AND(C16=zoz_CSOBSP,J16=nie)),\"Tento typ úveru nie je možné refinancovať úverom z ČSOB SP\",\"\"),\"Vyplnili ste navyše výšku CS, resp. výšku úveru.\"))))","v":""}]
[null,"5.",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(F17=\"MU\",L17>0),FALSE,IF(AND(F17=\"SU\",K17>0),FALSE,TRUE))","v":true},{"$f":"IF(OR(T17=\"\",ISERROR(T17)),0,1)","v":0},null,null,{"$f":"IF(AND(OR(E17=\"Kredit VIII.\",E17=\"Kredit X.\",E17=\"Kredit XI.\"),H17=zab_nehn),\"Pre zvolený typ sporenia nie je možné zabezpečenie nehnuteľnosťou!\",IF(OR(AND(COUNTA(D17:N17)>0,C17=\"\"),AND(COUNTA(D17:N17)>0,COUNTA(D17:N17)<9,C17=zoz_CSOBSP)),\"Riadok nie je správne vyplnený!\",IF(AND(OR(C17=zoz_ine_banky,C17=zoz_ineSS),OR(G17=\"\",H17=\"\",L17=\"\",M17=\"\",D17=\"\",E17<>\"\",F17<>\"\",I17<>\"\",K17<>\"\",N17<>\"\")),\"Riadok nie je správne vyplnený!\",IF(P17,IF(OR(G17=nie,AND(C17=zoz_CSOBSP,J17=nie)),\"Tento typ úveru nie je možné refinancovať úverom z ČSOB SP\",\"\"),\"Vyplnili ste navyše výšku CS, resp. výšku úveru.\"))))","v":""}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(K13:K17)","v":0},{"$f":"SUM(L13:L17)","v":0},{"$f":"SUM(M13:M17)","v":0}]
[null,"Svojim podpisom potvrdzujem správnosť vyplnených údajov.",null,null,null,null,null,null,{"$f":"IF(podmienka_topup_refinanc,\"Pri refinancovaní musí byť výška úveru aspoň:\",\"\")","v":""},{"$f":"IF(I19<>\"\",ROUNDUP(refin_suma_vyska_uveru_povo,-2)+3000,\"\")","v":""}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,".............................................................."]
[null,null,null,null,null,null,null,null,null,null,"podpis žiadateľa o úver"]
[null,null,null,{"$f":"IF(OR(SUM($Q$13:$Q$17)>0,refin_suma_splatka=0),\"\",\"Kontrola vyplnenia Tabuľky 1 je OK.\")","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,{"$f":"refin_sumaCS_pov+refin_suma_vyska_uveru_povo+2000","v":2000},{"$f":"IF(sumaAbsolutna>RK_ziadost_vyska_uveru,1,0)","v":1},{"$f":"SUMIFS(refin_vyskaCS_pov,refin_institucia,zoz_CSOBSP)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,{"$f":"(refin_sumaCS_pov+refin_suma_vyska_uveru_povo)*1.05","v":0},{"$f":"IF(sumaRelativna>RK_ziadost_vyska_uveru,1,0)","v":0},{"$f":"SUMIFS(refin_vyska_uveru_pov,refin_institucia,zoz_CSOBSP)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,"splatka",{"$f":"IF((SUMIF(refin_dobauveru_pov,\"áno\",refin_splatka))>=MAX(RK_MU_splatka_final,RK_SU_splatka_final),1,0)","v":{"$error":"#N/A"}},{"$f":"SUMIFS(refin_NS,refin_institucia,zoz_CSOBSP)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ISERROR(SUM(R26:R28)),TRUE,SUM(R26:R28)=3)","v":true},{"$f":"IF(RK_ziadost_vyska_uveru-(S26+S27-S28)<0,0,RK_ziadost_vyska_uveru-(S26+S27-S28))","v":0}]
[]
[null,null,null,null,"Tabuľka 2."]
[null,null,null,null,"Nový úver",null,null,"Výška úveru pre poplatok za predčasné splatenie"]
[null,null,null,null,"Možnosť","Typ úveru","Zabezpečenie","Výška CS / úveru",null,"Úroková sadzba"]
[null,null,null,null,"1.","MU","bez zabezpečenia",{"$f":"CEILING(SUMIF(refin_fixaciauveru_pov,ano,refin_vyskaCS_pov)*1.3+SUMIF(refin_fixaciauveru_pov,nie,refin_vyskaCS_pov),100)","v":0},null,0,{"$f":"+IF(AND(refin_vyskaCS_novy<=RK_ziadost_vyska_uveru,refin_sadzba_novy<=RK_sadzba_final),\"OK\",\"NOT OK\")","v":"OK"}]
[]
[null,null,null,null,null,{"$f":"IF(SUM(Q13:Q17)=0,\"\",\"Tabuľka 1. nie je správne vyplnená.\")","v":""}]
[null,null,null,null,null,{"$f":"IF(COUNTIF(refin_institucia,zoz_CSOBSP)=0,\"\",\"Úvery podľa zákona 129 o spotrebiľských úveroch sú bez poplatku za predčasné splatenie. Popl. za predčasné splatenie  úveru ČSOBSP je 50 % poplatku za predčasné splatenie podľa aktuálne platného Sadzobníka poplatkov FO.\")","v":""}]
[null,null,null,null,null,{"$f":"IF(SUM(E40:E41)=0,\"\",\"Úver nie je schváliteľný podľa aktuálnych podmienok refinancovania úveru ČSOB SP !\")","v":""}]
[]
[null,null,null,null,{"$f":"IF(ISERROR(F40),0,IF(F40=\"\",0,1))","v":0},{"$f":"IF(D13=\"\",\"\",IF(refin_kontrola1=\"OK\",\"\",\"\"))","v":""}]
[null,null,null,null,{"$f":"IF(ISERROR(F41),0,IF(F41=\"\",0,1))","v":0},{"$f":"IF(COUNTIFS(refin_dobauveru_pov,\"nie\",refin_institucia,zoz_CSOBSP)>0,\"Doba pôvodného úveru ČSOB SP je kratšia ako požadovaná doba.\",\"\")","v":""}]

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[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Zvoľte účastníka úverového vzťahu"]
[]
[]
[null,null,null,"SÚHLAS S POSKYTNUTÍM A SO SPRACÚVANÍM OSOBNÝCH ÚDAJOV"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,"podľa Nariadenia Európskeho parlamentu a Rady č. 2016/679 o ochrane fyzických osôb pri spracúvaní osobných údajov a o voľnom pohybe takýchto údajov (všeobecné nariadenie o ochrane údajov)."]
[]
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[]
[]
[]
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[null,null,null,"Vážený klient a záujemca o uzatvorenie zmluvného vzťahu,"]
[]
[null,null,null,"\n","aj naďalej Vám chceme prinášať riešenia, ktoré vyhovujú Vašim individuálnym potrebám. Podpisom Súhlasu s poskytnutím osobných údajov a ich spracúvaním vyjadrujete súhlas s poskytnutím Vašich osobných údajov a s ich následným spracúvaním pre Československú obchodnú banku, a.s., IČO: 36 854 140, ČSOB Poisťovňu, a.s., IČO: 31 325 416, ČSOB stavebnú sporiteľňu, a.s., IČO: 35 799 200, ČSOB Leasing, a.s., IČO: 35 704 713, ČSOB Leasing poisťovací maklér, s.r.o., IČO: 35 887 222, KBC Asset Management NV, pobočka zahraničnej správcovskej spoločnosti, IČO: 47 243 929 (ďalej všetko spolu ako „ČSOB Finančná skupina“), a to pre všetkých členov ČSOB Finančnej skupiny, vrátane ich právnych nástupcov, jednotlivo, ale i medzi jednotlivými členmi navzájom na účely uvedené ďalej v tomto tlačive, čo prispeje ku kvalitnejšiemu poskytovaniu produktov a služieb všetkých členov ČSOB Finančnej skupiny. Vaše osobné údaje chránime rovnako dôsledne ako Vaše investície. Aktuálny zoznam členov ČSOB Finančnej skupiny nájdete na www.csob.sk/memorandum."]
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[null,null,null,"Meno a priezvisko:"]
[]
[]
[]
[]
[null,null,null,"Bydlisko:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Dátum narodenia:"]
[]
[]
[]
[]
[null,null,null,"Týmto súhlasím s poskytnutím svojich osobných údajov v nižšie uvedenom rozsahu a s ich následným spracúvaním pre všetkých členov ČSOB Finančnej skupiny na účel prípravy a realizácie marketingových aktivít súvisiacich s poskytovaní produktov a služieb členov ČSOB Finančnej skupiny. Súhlasím s tým, aby v rámci uvedeného účelu boli moje osobné údaje analyzované a profilované, na základe čoho mi môžu členovia ČSOB Finančnej skupiny adresovať podľa mojich preferencií marketingové ponuky. Tento súhlas udeľujem k nasledovným osobným údajom: meno, priezvisko, dátum narodenia, pohlavie, adresa, e-mailová adresa, telefónne číslo, geolokačné údaje, socio-demografické údaje, transakčné údaje, údaje získané na základe analýz, údaje z internetových stránok a aplikácií a údaje získané pri zriadení a využívaní produktov a služieb všetkých členov ČSOB Finančnej skupiny."]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Áno",null,null,null,null,"Nie"]
[]
[]
[]
[null,null,null,"Týmto súhlasím s poskytnutím svojich osobných údajov a s ich následným spracúvaním pre všetkých členov ČSOB Finančnej skupiny na účel oslovenia, realizácie, vyhodnotenia a určenia výhercov a súťažiacich v spotrebiteľských súťažiach.\nV rozsahu sú nasledovné osobné údaje: meno, priezvisko, dátum narodenia, pohlavie, adresa, e-mailová adresa, telefónne číslo, socio-demografické údaje, transakčné údaje a údaje získané pri zriadení a využívaní produktov a služieb všetkých členov ČSOB Finančnej skupiny."]
[]
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[]
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[]
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[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Áno",null,null,null,null,"Nie"]
[]
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[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,"ČSOB stavebná sporiteľňa, a.s.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"IČO: 35 799 200",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"0800 111 303"]
[null,null,null,"Žižkova 11",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Zapísaná v obchodnom registri Okresného súdu",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"csobsp@csob.sk"]
[null,null,null,"811 02 Bratislava, Slovenská Republika",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bratislava I, oddiel Sa, vložka č. 2590/B",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"www.csob.sk"]
[]
[]
[]
[]
[null,null,null,"Informácie pre dotknutú osobu"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,"Vaše osobné údaje bude každý člen ČSOB Finančnej skupiny spracúvať po celú dobu, keď budete klientom ČSOB Finančnej skupiny, a 5 rokov od ukončenia všetkých zmluvných vzťahov medzi vami a členmi ČSOB Finančnej skupiny. V prípade, ak nevstúpite do žiadneho zmluvného vzťahu s niektorým z členov ČSOB Finančnej skupiny, Vaše osobné údaje bude každý člen ČSOB Finančnej skupiny spracúvať po dobu 12 mesiacov odo dňa udelenia Vášho súhlasu. Udelený súhlas môžete kedykoľvek odvolať. Informácie o spôsobe odvolania súhlasu nájdete na www.csob.sk/memorandum."]
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[null,null,null,"Klient vyhlasuje, že mu boli poskytnuté podmienky Memoranda ochrany osobných údajov ČSOB Finančnej skupiny (ďalej ako „Memorandum“), ktoré obsahuje podmienky spracúvania osobných údajov a informácie k právam dotknutých osôb. Memorandum je dostupné na príslušných kontaktných miestach ČSOB a na stránke www.csob.sk/memorandum."]
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[]
[]
[null,null,null,"V",{"$f":"RK_miesto","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"dňa",null,{"$f":"TODAY()","v":43885}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Podpis dotknutej osoby"]
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[]
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[]
[null,null,null,"ČSOB stavebná sporiteľňa, a.s.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"IČO: 35 799 200",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"0800 111 303"]
[null,null,null,"Žižkova 11",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Zapísaná v obchodnom registri Okresného súdu",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"csobsp@csob.sk"]
[null,null,null,"811 02 Bratislava, Slovenská Republika",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bratislava I, oddiel Sa, vložka č. 2590/B",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"www.csob.sk"]

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["sheet","field","sheet","field","value","format","calculated","description","type","čís.","T/F","format cell","CIBIS","value",{"$f":"OR(O2:O1100)","v":true},{"$f":"COUNTA(C:C)","v":1100},"key","format","format","decimal"]
["REKO_premenne","XML_filename","premenne","XML_filename",{"$f":"IFERROR(IF(INDIRECT($A2 & \"!\" & $B2)=\"\",\"N/A\",INDIRECT($A2 & \"!\" & $B2)),\"N/A\")","v":"N/A"},{"$f":"VLOOKUP($L2,format_types,3,FALSE)","v":"string"},0,"Názov súboru XML",0,null,null,{"$f":"IFERROR(CELL(\"format\",INDIRECT($A2 & \"!\" & $B2)),\"G\")","v":"G"},null,"u111222004_20200224_114936",{"$f":"IF(OR(ISERROR(E2),ISERROR(N2)),FALSE,E2=N2)","v":false},null,"D1","dd.mm.yyyy h:mm","date",0]
["REKO_premenne","XML_generovanie","premenne","XML_generovanie",{"$f":"IFERROR(IF(INDIRECT($A3 & \"!\" & $B3)=\"\",\"N/A\",INDIRECT($A3 & \"!\" & $B3)),\"N/A\")","v":"N/A"},"date",0,"Dátum generovania XML súboru",0,null,null,"D1",null,43885.492777777778,{"$f":"IF(OR(ISERROR(E3),ISERROR(N3)),FALSE,E3=N3)","v":false},null,",0",0,"int",0]
["REKO_premenne","XML_typ","premenne","XML_typ",{"$f":"IFERROR(IF(INDIRECT($A4 & \"!\" & $B4)=\"\",\"N/A\",INDIRECT($A4 & \"!\" & $B4)),\"N/A\")","v":"N/A"},"int",0,"Typ súboru XML",0,null,null,"F0",null,1,false,null,",2","# ##0,00 €","decimal",2]
["N/A","N/A","uver","poplatky",{"$f":"IFERROR(IF(INDIRECT($A5 & \"!\" & $B5)=\"\",\"N/A\",INDIRECT($A5 & \"!\" & $B5)),\"N/A\")","v":"N/A"},"string",0,"-",0,null,null,"G",null,"N/A",true,null,"F0","0","int",0]
["REKO_premenne","RK_miesto","uver","miesto",{"$f":"IFERROR(IF(INDIRECT($A6 & \"!\" & $B6)=\"\",\"N/A\",INDIRECT($A6 & \"!\" & $B6)),\"N/A\")","v":"N/A"},"string",0,"-",0,null,null,"G",null,"Bratislava",false,null,"F1","0,0","decimal",1]
["N/A","N/A","uver","kat_klienta","N/A","string",0,"Kategória klienta",-6,"x",null,"G",null,"N/A",true,null,"F2","0,00","decimal",2]
["REKO_premenne","RK_cislo_zmluvy","uver","cislo_zmluvy","N/A","int",0,"Číslo zmluvy o stavebnom sporení",-4,null,null,",0",null,111222004,false,true,"F3","0,000","decimal",3]
["REKO_uver","RK_ziadost_datum","uver","datum_ziadosti",43885.543904166669,"date",0,"-",-2,null,null,"D1",null,43885.492793981481,false,null,"F6","0,000000","decimal",6]
["N/A","N/A","uver","datum_platnosti_zmluvy_zadany","N/A","string",0,"Dátum platnosti zmluvy",-2,null,null,"G",null,"N/A",true,null,"C0","# ##0 €","decimal",0]
["N/A","N/A","uver","povodna_CS","N/A","string",0,"Pôvodná cieľová suma",0,null,null,"G",null,"N/A",true,null,"C2","# ##0,00 €","decimal",2]
["N/A","N/A","uver","povodny_typ_sporenia","N/A","string",0,"Pôvodný typ sporenia",0,null,null,"G",null,"N/A",true,null,"G","General","string",0]
["N/A","N/A","uver","HC_aktualne","N/A","string",0,"Aktuálne hodnotiace číslo",-4,null,null,"G",null,"N/A",true,null,"P2","0,00%","decimal",2]
["N/A","N/A","uver","aktualna_NS","N/A","string",0,"Aktuálna nasporená suma",-4,null,null,"G",null,"N/A",true,null,"B",null,"boolean",0]
["N/A","N/A","uver","pripisane_uroky","N/A","string",0,"- pripísané úroky",0,null,null,"G",null,"N/A",true,null,"P1","0,0%","decimal",1]
["N/A","N/A","uver","pripisana_SP","N/A","string",0,"- pripísaná štátna prémia",0,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","nepripisane_uroky","N/A","string",0,"Nepripísané úroky",0,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","nepripisana_SP","N/A","string",0,"Nepripísaná štátna prémia",0,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadost_ts","uver","novy_typ_sporenia_zvoleny","REKO úver","string",0,"Typ sporenia",-6,"x",null,"G",null,"REKO úver",true]
["REKO_uver","RK_ziadost_vyska_uveru","uver","vyska_uveru","N/A","decimal",0,"Cieľová suma",-4,null,null,"C2",null,15000,false]
["N/A","N/A","uver","uver_CS","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadost_sp","uver","narok_na_SP","nie",{"$f":"VLOOKUP($L22,format_types,3,FALSE)","v":"string"},0,"Uplatňovanie nároku na ŠP",0,null,null,"G",null,"nie",true]
["REKO_uver","RK_ziadost_poistenie","uver","poistenie_vybrane","N/A","string",0,"Poistenie úveru (Úvery/Smlouvy/Prijetí žádosti/FO/Poištení úveru/Varianta pojištení)",-6,"x",null,"G",null,"základný súbor A",false]
["N/A","N/A","uver","akcia_vybrana","N/A","string",0,"Akcia",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","uver","zabezpecenie_nehnutelnostou_vybrane","N/A","string",0,"Zabezpečenie nehnuteľnosťou",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","uver","vklady_do_vybrane","nasporenia min. podielu NS","string",0,"Vklady do",0,null,null,"G",null,"nasporenia min. podielu NS",true]
["N/A","N/A","uver","iny_mesacny_vklad","N/A","string",0,"Iný mesačný vklad",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","ina_splatka_SU","N/A","string",0,"Iná splátka SÚ (Úvery/Smlouvy/FO/Smlouvní údaje/Stavební úvěr/Výše splátky)",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","fixacia_urokovej_sadzby","fix 3","string",0,"Fixacia urokovej sadzby",-6,null,null,"G",null,"fix 3",true]
["REKO_uver","RK_ziadost_zlava_1_typ","uver","group_zlava_1_typ","N/A","string",0,"typ groupovej zlavy",-6,null,null,"G",null,"účet ČSOB",false]
["REKO_uver","RK_ziadost_zlava_1","premenne","group_zlava_1","N/A","decimal",1,"vyska groupovej zlavy",-4,null,null,"P2",null,5.0000000000000001E-3,false]
["REKO_uver","RK_ziadost_zlava_2_typ","uver","group_zlava_2_typ","N/A","string",0,"typ groupovej zlavy",-6,null,null,"G",null,"poistenie ČSOB",false]
["REKO_uver","RK_ziadost_zlava_2","premenne","group_zlava_2","N/A","decimal",1,"vyska groupovej zlavy",-4,null,null,"P2",null,2.5000000000000001E-3,false]
["REKO_uver","RK_ziadost_uvreg","uver","uverovy_register","N/A","string",0,"-",-6,null,"x","G",null,5,false,true]
["N/A","N/A","uver","uverovy_register_skore","N/A","string",0,"-",0,null,null,"G",null,"N/A",true,true]
["N/A","N/A","uver","zjednodusene_splacanie","N/A","string",1,"-",-5,null,"x","G",null,"N/A",true]
["N/A","N/A","uver","najnizsi_vkladSS","N/A","string",0,"Najnižší mesačný vklad klienta na SS za posledný rok",-4,null,"x","G",null,"N/A",true]
["N/A","N/A","uver","nasporena_suma_ineSS","N/A","string",0,"Nasporená suma na iných zmluvách SS žiadateľa o úver",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","rizikova_oblast","N/A","string",0,"-",-6,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","vyska_splatky_refinanc","N/A","string",1,"Pôvodná výška splátky úveru, ktorý je refinancovaný",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","uverova_historia","N/A","string",0,"Úverová história",-6,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadost_uverova_angazovanost","uver","uverova_angazovanost","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["N/A","N/A","uver","ziadost_kombinacia","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","ziadost_u5_he","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","uverova_historia_ziadatela","N/A","string",0,"Úverová história žiadateľ",-5,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","UU_zmena_na_existujucom_uvere","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadost_refinanc_SS","uver","refinancovanie","N/A","string",0,"Refinancovanie",-6,null,null,"G",null,"N/A",true]
["REKO_premenne","CSOBSP","uver","CSOBSP","N/A","string",0,"Refinancovanie v ČSOBSP",-5,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadost_vypis","uver","vypis","N/A","string",0,"sposob posielania informativny",0,null,null,"G",null,"e-mailom",false]
["N/A","N/A","uver","zlava_popl_spracovanie","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","podiel_poc_vkladu_zvoleny","N/A","string",0,"Vklad pred 1. čerpaním",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","iny_poc_vklad","N/A","string",0,"Ďalší vklad pred 1. čerpaním",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","min_vklad_1_datum","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","mim_vklad_1_suma","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","min_vklad_2_datum","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","mim_vklad_2_suma","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","min_vklad_3_datum","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","mim_vklad_3_suma","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","zmluva_1","N/A",{"$f":"VLOOKUP($L59,format_types,3,FALSE)","v":"string"},0,"-",-3,null,null,"G",null,"N/A",true,true]
["REKO_premenne","zmluva_2","premenne","zmluva_2",false,"string",0,"-",-3,null,null,"G",null,false,true,true]
["N/A","N/A","uver","zmluva_1_cislo_zmluvy2","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true,true]
["N/A","N/A","uver","zmluva_1_websu","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true,true]
["N/A","N/A","uver","zmluva_1_refinanc2","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_ziadost_zmluva1","uver","zmluva_2_cislo_zmluvy1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true,true]
["N/A","N/A","uver","zmluva_2_websu","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true,true]
["N/A","N/A","uver","zmluva_2_refinanc1","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true,true]
["zoznamy","nadobudnutie_vlastnictva_1","zoznamy","nadobudnutie_vlastnictva_1",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["zoznamy","nadobudnutie_vlastnictva_2","zoznamy","nadobudnutie_vlastnictva_2",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["zoznamy","nadobudnutie_vlastnictva_3","zoznamy","nadobudnutie_vlastnictva_3",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["zoznamy","nadobudnutie_vlastnictva_4","zoznamy","nadobudnutie_vlastnictva_4",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["zoznamy","nadobudnutie_vlastnictva_5","zoznamy","nadobudnutie_vlastnictva_5",false,{"$f":"VLOOKUP($L71,format_types,3,FALSE)","v":"boolean"},0,"-",-3,null,null,"B",null,false,true]
["zoznamy","nadobudnutie_vlastnictva_6","zoznamy","nadobudnutie_vlastnictva_6",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["zoznamy","modernizacia_1","zoznamy","modernizacia_1",false,"boolean",0,"-",-3,null,null,"B",null,true,{"$f":"IF(OR(ISERROR(E73),ISERROR(N73)),FALSE,E73=N73)","v":false}]
["zoznamy","modernizacia_2","zoznamy","modernizacia_2",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["zoznamy","modernizacia_3","zoznamy","modernizacia_3",{"$f":"IFERROR(IF(INDIRECT($A75 & \"!\" & $B75)=\"\",\"N/A\",INDIRECT($A75 & \"!\" & $B75)),\"N/A\")","v":false},"boolean",0,"-",-3,null,null,"B",null,false,true]
["zoznamy","modernizacia_4","zoznamy","modernizacia_4",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["zoznamy","ine_ucely_1","zoznamy","ine_ucely_1",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["zoznamy","ine_ucely_2","zoznamy","ine_ucely_2",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["zoznamy","ine_ucely_3","zoznamy","ine_ucely_3",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["zoznamy","ine_ucely_4","zoznamy","ine_ucely_4",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["zoznamy","ine_ucely_5","zoznamy","ine_ucely_5",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["zoznamy","ine_ucely_6","zoznamy","ine_ucely_6",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["zoznamy","ine_ucely_7","zoznamy","ine_ucely_7",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["zoznamy","ine_ucely_8","zoznamy","ine_ucely_8",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["zoznamy","ine_ucely_9","zoznamy","ine_ucely_9",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["zoznamy","ine_ucely_10","zoznamy","ine_ucely_10",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["zoznamy","ine_ucely_11","zoznamy","ine_ucely_11",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["zoznamy","ine_ucely_12","zoznamy","ine_ucely_12",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["REKO_uver","RK_ziadost_ucel_pouzitia_financii","uver","ucel_pouzitia_financii","N/A","string",0,"Účel použitia finančných prostriedkov zo žiadaného úveru:",-6,null,null,{"$f":"IFERROR(CELL(\"format\",INDIRECT($A89 & \"!\" & $B89)),\"G\")","v":"G"},null,"Vlastné bývanie",false]
["REKO_uver","RK_ziadost_sposob_uhrady_popl","uver","sposob_platby_poplatku","N/A","string",0,"Spôsob úhrady poplatku:",0,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","odkladacia_podmienka_vybrana","N/A","string",0,"Odkladacia podmienka čerpania:",0,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadost_sposob_cerpania","uver","sposob_cerpania_vybrany",{"$f":"IFERROR(IF(INDIRECT($A92 & \"!\" & $B92)=\"\",\"N/A\",INDIRECT($A92 & \"!\" & $B92)),\"N/A\")","v":"ihneď po splnení odkladacích podmienok, preddavkovo"},"string",0,"Spôsob čerpania:",0,null,null,"G",null,"ihneď po splnení odkladacích podmienok, preddavkovo",true]
["REKO_uver","RK_ziadost_sposob_splacania","uver","sposob_splacania_vybrany","bankový prevod","string",0,"Spôsob splácania:",0,null,null,"G",null,"bankový prevod",true]
["REKO_premenne","poradca_meno","uver","poradca_meno","N/A","string",0,"-",0,null,null,"G",null,"a",false,true]
["REKO_premenne","poradca_priezvisko","uver","poradca_priezvisko","N/A","string",0,"-",0,null,null,"G",null,"d",false,true]
["REKO_premenne","poradca_titul","uver","poradca_titul","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["REKO_premenne","poradca_adr1","uver","poradca_adr1","N/A","string",0,"-",0,null,null,"G",null,"Detvianska 10A",false,true]
["REKO_premenne","poradca_adr2","uver","poradca_adr2","N/A","string",0,"-",0,null,null,"G",null,"Bratislava",false,true]
["REKO_premenne","poradca_cislo","uver","poradca_cislo","N/A","string",0,"Provízne číslo agenta (Úvery/Smlouvy/FO/Prijetí žádosti/Obchodní zástupce)",15,null,null,"G",null,13725019,false,true]
["REKO_premenne","poradca_cislo_maklera","uver","poradca_cislo_maklera","N/A","string",0," (nové: 4.10.2013)",15,null,null,"G",null,"N/A",true,true]
["REKO_premenne","poradca_cislo_maklera_nazov","uver","poradca_cislo_maklera_nazov","N/A","string",0,"-",0,null,null,"G",null,"N/A",true,true]
["REKO_premenne","poradca_cislo_registracne","uver","poradca_cislo_registracne","N/A","string",0,"",0,null,null,"G",null,131420,false,true]
["REKO_premenne","poradca_telefon","uver","poradca_telefon","N/A","string",0,"Telefón",0,null,null,"G",null,"0",false,true]
["REKO_premenne","poradca_email","uver","poradca_email","N/A","string",0,"E-mail",0,null,null,"G",null,"mail",false,true]
["REKO_premenne","makler_meno","uver","makler_meno","N/A","string",0,"-",0,null,null,"G",null,"N/A",true,true]
["REKO_premenne","makler_priezvisko","uver","makler_priezvisko","N/A","string",0,"-",0,null,null,"G",null,"N/A",true,true]
["REKO_premenne","makler_titul","uver","makler_titul","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["REKO_premenne","makler_cislo","uver","makler_cislo","N/A","string",0,"-",15,null,null,"G",null,"N/A",true,true]
["REKO_premenne","makler_cislo_maklera","uver","makler_cislo_maklera","N/A","string",0,"-",15,null,null,"G",null,"N/A",true,true]
["REKO_premenne","makler_cislo_maklera_nazov","uver","makler_cislo_maklera_nazov","N/A","string",0,"-",0,null,null,"G",null,"N/A",true,true]
["REKO_premenne","makler_cislo_registracne","uver","makler_cislo_registracne","N/A","string",0,"-",0,null,null,"G",null,"N/A",true,true]
["REKO_premenne","makler_telefon","uver","makler_telefon","N/A","string",0,"-",0,null,null,"G",null,"N/A",true,true]
["REKO_premenne","makler_email","uver","makler_email","N/A","string",0,"-",0,null,null,"G",null,"N/A",true,true]
["N/A","N/A","uver","pozicia","N/A","string",0,"-",0,null,null,"G",null,"N/A",true,true]
["REKO_premenne","teritorium","uver","teritorium","N/A","string",0,"-",-6,null,null,"G",null,"KP ČSOB",false]
["REKO_uver","KP_2_podpis","uver","poradca_druhy_podpisujuci","N/A","string",0,"-",0,null,null,"G",null,"dg",false,true]
["REKO_premenne","zaslanie_uv_dok","uver","zaslanie_uv_dok",{"$f":"IFERROR(IF(INDIRECT($A117 & \"!\" & $B117)=\"\",\"N/A\",INDIRECT($A117 & \"!\" & $B117)),\"N/A\")","v":"e-mail"},"string",0,"-",0,null,null,"G",null,"e-mail",true,true]
["N/A","N/A","uver","spracovanie","N/A","string",0,"-",-6,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","spracovanie_meno","N/A","string",0,"-",0,null,null,"G",null,"N/A",true,true]
["N/A","N/A","uver","spracovanie_priezvisko","N/A","string",0,"-",0,null,null,"G",null,"N/A",true,true]
["N/A","N/A","uver","spracovanie_titul","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","spracovanie_provcis","N/A","string",0,"-",0,null,null,"G",null,"N/A",true,true]
["N/A","N/A","uver","spracovanie_spolocnost","N/A","string",0,"-",0,null,null,"G",null,"N/A",true,true]
["N/A","N/A","uver","spracovanie_ulica","N/A","string",0,"-",0,null,null,"G",null,"N/A",true,true]
["N/A","N/A","uver","spracovanie_mesto","N/A","string",0,"-",0,null,null,"G",null,"N/A",true,true]
["N/A","N/A","uver","spracovanie_PSC","N/A","string",0,"-",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_ziadatel_meno","ziadatel","meno_ziadatel","N/A","string",0,"(zadané pod Smlouvy, musí byť totožné )",0,null,null,"G",null,"a",false,true]
["REKO_uver","RK_ziadatel_priezvisko","ziadatel","priezvisko_ziadatel","N/A","string",0,"(zadané pod Smlouvy, musí byť totožné )",0,null,null,"G",null,"m",false,true]
["REKO_uver","RK_ziadatel_titul_pred","ziadatel","titul_pred_ziadatel","N/A","string",0,"(zadané pod Smlouvy, musí byť totožné )",15,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_titul_za","ziadatel","titul_za_ziadatel","N/A","string",0,"(zadané pod Smlouvy, musí byť totožné )",15,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_rc","ziadatel","RC_ziadatel","N/A","string",0,"(zadané pod Smlouvy, musí byť totožné )",10,null,null,"G",null,"9004227309",false,true]
["REKO_uver","RK_ziadatel_tel","ziadatel","mobil_ziadatel","N/A","string",0,"(Evidence fyzických osob/Mobil)",30,null,null,"G",null,"6846",false,true]
["N/A","N/A","ziadatel","druh_mobilu_ziadatel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","ziadatel","telefon_ziadatel","N/A","string",0,"(Evidence fyzických osob/Telefon domu)",30,null,null,"G",null,"N/A",true,true]
["N/A","N/A","ziadatel","druh_telefonu_ziadatel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_mail","ziadatel","email_ziadatel","N/A",{"$f":"VLOOKUP($L136,format_types,3,FALSE)","v":"string"},0,"(Evidence fyzických osob/E-mail)",0,null,null,{"$f":"IFERROR(CELL(\"format\",INDIRECT($A136 & \"!\" & $B136)),\"G\")","v":"G"},null,"vaha",false,true]
["REKO_uver","RK_ziadatel_rodinny_stav","ziadatel","stav_ziadatel","N/A","string",0,"(Evidence fyzických osob/Rodinný stav)",-6,"x",null,"G",null,"slobodný/slobodná",false]
["REKO_uver","RK_ziadatel_vzdelanie","ziadatel","vzdelanie_ziadatel","N/A","string",0,"Žiadateľ - vzdelanie",-6,"x",null,"G",null,"vysokoškolské so zápisom v OP",{"$f":"IF(OR(ISERROR(E138),ISERROR(N138)),FALSE,E138=N138)","v":false}]
["REKO_uver","RK_ziadatel_doklad_druh","ziadatel","doklad1_ziadatel","N/A",{"$f":"VLOOKUP($L139,format_types,3,FALSE)","v":"string"},0,"Žiadateľ - prvý doklad totožnosti",-6,"x",null,"G",null,"občiansky preukaz",false]
["REKO_uver","RK_ziadatel_doklad_cislo","ziadatel","doklad1_cislo_ziadatel","N/A",{"$f":"VLOOKUP($L140,format_types,3,FALSE)","v":"string"},0,"-",0,null,null,"G",null,"uh481548",false,true]
["REKO_premenne","dochodca_ziadatel","ziadatel","dochodca_ziadatel",{"$f":"IFERROR(IF(INDIRECT($A141 & \"!\" & $B141)=\"\",\"N/A\",INDIRECT($A141 & \"!\" & $B141)),\"N/A\")","v":"nie"},"string",0,"(Evidence fyzických osob/Povolaní)",-5,null,"x","G",null,"nie",true]
["N/A","N/A","ziadatel","student_ziadatel","N/A","string",0,"Žiadateľ - študent",-5,null,"x","G",null,"N/A",true]
["REKO_uver","RK_ziadatel_obcianstvo","ziadatel","stat_ziadatel","N/A","string",0,"(Evidence fyzických osob/Stát)",50,null,null,"G",null,"sr",false,true]
["REKO_uver","RK_ziadatel_OsOVkB","ziadatel","osobitny_vztah_ziadatel","N/A","string",0,"-",0,null,null,"G",null,"nie",false]
["N/A","N/A","ziadatel","spoludlznik","N/A","string",0,"-",-5,null,"x","G",null,"N/A",true]
["REKO_uver","RK_spoluziadatel_meno","ziadatel","meno_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Jméno)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_priezvisko","ziadatel","priezvisko_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Příjmení)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_titul_pred","ziadatel","titul_pred_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Titul před)",15,null,null,"G",null,"N/A",true]
["REKO_uver","RK_spoluziadatel_titul_za","ziadatel","titul_za_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Titul za)",15,null,null,"G",null,"N/A",true]
["REKO_uver","RK_spoluziadatel_RC","ziadatel","RC_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/RČ)",10,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_tel","ziadatel","mobil_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Mobil)",0,null,null,"G",null,"N/A",true,true]
["N/A","N/A","ziadatel","druh_mobilu_spoludlznik","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","ziadatel","telefon_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Telefon domu)",0,null,null,"G",null,"N/A",true,true]
["N/A","N/A","ziadatel","druh_telefonu_spoludlznik","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["REKO_uver","RK_spoluziadatel_mail","ziadatel","email_spoludlznik","N/A",{"$f":"VLOOKUP($L155,format_types,3,FALSE)","v":"string"},0,"(Evidence fyzických osob/PFSU/Pristupitel/E-mail)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_rodinny_stav","ziadatel","stav_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Rodinný stav)",-6,null,null,"G",null,"N/A",true]
["REKO_premenne","dochodca_spoluziadatel","ziadatel","dochodca_spoludlznik","nie","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Povolaní)",-5,null,"x","G",null,"nie",true]
["N/A","N/A","ziadatel","stat_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Stát)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_OsOVkB","ziadatel","osobitny_vztah_spoludlznik","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["REKO_premenne","ziad_kor_1","ziadatel","ziad_kor_1",false,"boolean",0,"iná korešp. adresa žiadateľa",-3,null,null,"B",null,false,true]
["REKO_premenne","ziad_kor_2","ziadatel","ziad_kor_2",false,"boolean",0,"iná korešp. adresa spolužiadateľa",-3,null,null,"B",null,false,true]
["REKO_uver","RK_ziadatel_ulica","ziadatel","ulica_trv_ziadatel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Adresa)",0,null,null,"G",null,"a",false,true]
["REKO_uver","RK_ziadatel_mesto","ziadatel","mesto_trv_ziadatel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Adresa)",30,null,null,"G",null,"b",false,true]
["REKO_uver","RK_ziadatel_PSC","ziadatel","PSC_trv_ziadatel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Adresa)",-1,null,null,"G",null,"84101",false,true]
["REKO_uver","RK_ziadatel_stat","ziadatel","stat_trv_ziadatel","SR",{"$f":"VLOOKUP($L165,format_types,3,FALSE)","v":"string"},0,"(Evidence fyzických osob/PFSU/Pristupitel/Adresa)",0,null,null,"G",null,"SR",true,true]
["REKO_uver","RK_ziadatel_kraj","ziadatel","kraj_trv_ziadatel","N/A","string",0,"Žiadateľ - kraj",-6,"x",null,"G",null,"Bratislavský kraj",false,true]
["REKO_uver","RK_ziadatel_okres","ziadatel","okres_trv_ziadatel","N/A","string",0,"Žiadateľ - okres",-6,"x",null,"G",null,"Bratislava IV",false,true]
["N/A","N/A","ziadatel","datum_trv_ziadatel","N/A","string",0,"Žiadateľ - dátum nasťahovania",-1,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_kor_adr_ulica","ziadatel","ulica_kor_ziadatel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Koresp.adresa/Adresa)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_ziadatel_kor_adr_mesto","ziadatel","mesto_kor_ziadatel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Koresp.adresa/Adresa)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_ziadatel_kor_adr_PSC","ziadatel","PSC_kor_ziadatel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Koresp.adresa/PSČ)",-1,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_ziadatel_kor_adr_stat","ziadatel","stat_kor_ziadatel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Koresp.adresa/Stát)",0,null,null,"G",null,"N/A",true,true]
["N/A","N/A","ziadatel","datum_kor_ziadatel","N/A","string",0,"Žiadateľ - dátum nasťahovania (kor.adr.)",-1,null,null,"G",null,"N/A",true]
["N/A","N/A","ziadatel","pobyt_od_ziadatel","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_sposob_byvania","ziadatel","sposob_byvania_ziadatel","N/A","string",0,"-",-6,null,null,"G",null,"V osobnom vlastníctve bez hypotéky",false]
["N/A","N/A","ziadatel","DIC_ziadatel","N/A","string",0,"-",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_ziadatel_stat_dan_rez","ziadatel","stat_danrez_ziadatel","SR","string",0,"-",0,null,null,"G",null,"SR",true,true]
["REKO_uver","RK_ziadatel_nesulad_dan_rez","ziadatel","nesulad_danrez_ziadatel","N/A","string",0,"-",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_ulica","ziadatel","ulica_trv_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Adresa)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_mesto","ziadatel","mesto_trv_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Adresa)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_PSC","ziadatel","PSC_trv_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Adresa)",-1,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_stat","ziadatel","stat_trv_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Adresa)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_kor_adr_ulica","ziadatel","ulica_kor_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Koresp.adresa/Adresa)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_kor_adr_mesto","ziadatel","mesto_kor_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Koresp.adresa/Adresa)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_kor_adr_PSC","ziadatel","PSC_kor_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Koresp.adresa/PSČ)",-1,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_kor_adr_stat","ziadatel","stat_kor_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Koresp.adresa/Stát)",0,null,null,"G",null,"N/A",true,true]
["N/A","N/A","ziadatel","pobyt_od_spoludlznik","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_zamestnavatel","ziadatel","zamestnavatel_ziadatel","N/A","string",0,"(Evidence fyzických osob/PFSU/Klient/Funkce/Zaměstnavatel/Zaměstnávatel)",50,null,null,"G",null,"Fa",false,true]
["N/A","N/A","ziadatel","zamestnavatel2_ziadatel","N/A","string",0,"(Evidence fyzických osob/PFSU/Klient/Funkce/Zaměstnavatel/Zaměstnávatel)",40,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_ziadatel_zamestnavatel_ICO","ziadatel","zamestnavatel_ICO_ziadatel","N/A","string",0,"(Evidence fyzických osob/PFSU/Klient/Funkce/Zaměstnavatel/Zaměstnávatel)",10,null,null,"G",null,"35799200",false,true]
["REKO_uver","RK_ziadatel_zamestnavatel_rodina","ziadatel","zamestnavatel_rodina_ziadatel","N/A","string",0,"-",-5,null,null,"G",null,"nie",false]
["REKO_uver","RK_ziadatel_zamestnavatel_ulica","ziadatel","zamestnavatel_ulica_ziadatel","N/A","string",0,"(Evidence fyzických osob/PFSU/Klient/Funkce/Zaměstnavatel/Adresa)",40,null,null,"G",null,"a",false,true]
["REKO_uver","RK_ziadatel_zamestnavatel_mesto","ziadatel","zamestnavatel_mesto_ziadatel","N/A","string",0,"(Evidence fyzických osob/PFSU/Klient/Funkce/Zaměstnavatel/Adresa)",40,null,null,"G",null,"Fa",false,true]
["REKO_uver","RK_ziadatel_zamestnavatel_PSC","ziadatel","zamestnavatel_PSC_ziadatel","N/A","string",0,"(Evidence fyzických osob/PFSU/Klient/Funkce/Zaměstnavatel/PSČ)",-1,null,null,"G",null,"81102",false,true]
["REKO_uver","RK_ziadatel_zamestnavatel_stat","ziadatel","zamestnavatel_stat_ziadatel","N/A","string",0,"(Evidence fyzických osob/PFSU/Klient/Funkce/Zaměstnavatel/Stát)",30,null,null,"G",null,"SR",false,true]
["REKO_uver","RK_ziadatel_prac_pozicia","ziadatel","prac_pozicia_ziadatel","N/A","string",0,"-",30,null,null,"G",null,"riaditel",false,true]
["REKO_uver","RK_ziadatel_prac_pomer_od","ziadatel","prac_pomer_od_ziadatel","N/A","date",0,"(Evidence fyzických osob/PFSU/Klient/Funkce/Zaměstnavatel/Zač. prac.poměru)",-2,null,null,"D1",null,42370,false,true]
["REKO_uver","RK_ziadatel_zamestnanie_typ","ziadatel","typ_zamestnania_ziadatel","N/A","string",0,"Typ zamestnania:",-6,"x",null,"G",null,"Trvalý pracovný pomer",false]
["REKO_uver","RK_ziadatel_pracovna_oblast","ziadatel","pracovna_cinnost_ziadatel","N/A","string",0,"Pracovná oblasť:",-6,"x",null,"G",null,"Informačné technológie",false]
["REKO_uver","RK_ziadatel_pracovna_cinnost","ziadatel","typ_prac_cinnosti_ziadatel","N/A","string",0,"Typ pracovnej činnosti:",-6,"x",null,"G",null,"manažér",false]
["REKO_uver","RK_ziadatel_forma_vyplacania","ziadatel","forma_vyplacania_ziadatel","N/A","string",0,"Forma vyplácania:",-6,"x",null,"G",null,"na účet v ČSOB",false]
["REKO_uver","RK_ziadatel_prac_pomer","ziadatel","prac_pomer_druh_ziadatel","N/A",{"$f":"VLOOKUP($L202,format_types,3,FALSE)","v":"string"},0,"-",-6,"x",null,{"$f":"IFERROR(CELL(\"format\",INDIRECT($A202 & \"!\" & $B202)),\"G\")","v":"G"},null,"doba neurčitá",false]
["REKO_uver","RK_ziadatel_prac_pomer_do","ziadatel","doba_urcita_do_ziadatel","N/A","date",0,"-",-2,null,null,"D1",null,"N/A",true]
["REKO_uver","RK_spoluziadatel_zamestnavatel","ziadatel","zamestnavatel_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Funkce/Zaměstnavatel/Zaměstnávatel)",50,null,null,"G",null,"N/A",{"$f":"IF(OR(ISERROR(E204),ISERROR(N204)),FALSE,E204=N204)","v":true},true]
["N/A","N/A","ziadatel","zamestnavatel2_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Funkce/Zaměstnavatel/Zaměstnávatel)",40,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_zamestnavatel_ICO","ziadatel","zamestnavatel_ICO_spoludlznik",{"$f":"IFERROR(IF(INDIRECT($A206 & \"!\" & $B206)=\"\",\"N/A\",INDIRECT($A206 & \"!\" & $B206)),\"N/A\")","v":"N/A"},"string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Funkce/Zaměstnavatel/Zaměstnávatel)",10,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_zamestnavatel_rodina","ziadatel","zamestnavatel_rodina_spoludlznik","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["REKO_uver","RK_spoluziadatel_zamestnavatel_ulica","ziadatel","zamestnavatel_ulica_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Funkce/Zaměstnavatel/Adresa)",40,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_zamestnavatel_mesto","ziadatel","zamestnavatel_mesto_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Funkce/Zaměstnavatel/Adresa)",40,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_zamestnavatel_PSC","ziadatel","zamestnavatel_PSC_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Funkce/Zaměstnavatel/PSČ)",-1,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_zamestnavatel_stat","ziadatel","zamestnavatel_stat_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Funkce/Zaměstnavatel/Stát)",30,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_prac_pozicia","ziadatel","prac_pozicia_spoludlznik","N/A","string",0,"-",30,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_prac_pomer_od","ziadatel","prac_pomer_od_spoludlznik","N/A","date",0,"(Evidence fyzických osob/PFSU/Pristupitel/Funkce/Zaměstnavatel/Zač. prac.poměru)",-2,null,null,"D1",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_zamestnanie_typ","ziadatel","typ_zamestnania_spoludlznik","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_spoluziadatel_prac_pomer","ziadatel","prac_pomer_druh_spoludlznik","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_spoluziadatel_prac_pomer_do","ziadatel","doba_urcita_do_spoludlznik","N/A","date",0,"-",-2,null,null,"D1",null,"N/A",true]
["REKO_premenne","ziad_pod_cin","ziadatel","ziad_pod_cin",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["REKO_premenne","spoludlznik_pod_cin","ziadatel","spoludlznik_pod_cin",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["REKO_uver","RK_ziadatel_podnikanie_druh","ziadatel","druh_podn_cinnosti_ziadatel","N/A","string",0,"(Evidence fyzických osob/PFSU/Klient/Povolání)",-6,"x",null,"G",null,"N/A",true,true]
["REKO_uver","RK_ziadatel_podnikanie_od","ziadatel","podn_cinnost_od_ziadatel","N/A","date",0,"-",-2,null,null,"D1",null,"N/A",true,true]
["REKO_uver","RK_ziadatel_ICO","ziadatel","ICO_ziadatel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Funkce/Zaměstnavatel/Zamestnávatel)",10,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_podnikanie_druh","ziadatel","druh_podn_cinnosti_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Povolání)",-6,"x",null,"G",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_podnikanie_od","ziadatel","podn_cinnost_od_spoludlznik","N/A","date",0,"-",-2,null,null,"D1",null,"N/A",true,true]
["REKO_uver","RK_spoluziadatel_ICO","ziadatel","ICO_spoludlznik","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Funkce/Zaměstnavatel/Zamestnávatel)",10,null,null,"G",null,"N/A",true,true]
["N/A","N/A","premenne","p_overenie_prijmu_UU","N/A","string",0,"-",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","p_overenie_prijmu","N/A","string",0,"without_income_verification",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","ziadatel","prijem_dokladovanie","N/A","string",0,"Dokladovanie príjmu",-5,null,null,"G",null,"N/A",true]
["N/A","N/A","ziadatel","prijem_overenieSP","N/A","string",0,"Overenie príjmu v SP",-5,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_prijem_podn","ziadatel","prijmy_podnikanie_ziadatel","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_ziadatel_prijem_podn_typ","ziadatel","prijmy_podnikanie_ziadatel_zahr","N/A","string",0,"-",-6,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_prijem_ZC","ziadatel","prijmy_zavisla_cin_ziadatel","N/A","decimal",0,"-",-4,null,null,"C2",null,1800,false]
["REKO_uver","RK_ziadatel_prijem_ZC_typ","ziadatel","prijmy_zahr_ziadatel","N/A","string",0,"-",-6,"x",null,"G",null,"v SR",false]
["REKO_uver","RK_ziadatel_prijem_zahr_mena","ziadatel","prijmy_zahr_mena_ziadatel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_prijem_diety","ziadatel","diety_ziadatel","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_ziadatel_prijem_dochodok","ziadatel","soc_prijmy_ziadatel","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_ziadatel_prijem_dochodok_typ","ziadatel","typ_dochodku_ziadatel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_prijem_prispevky","ziadatel","rod_prispevok_ziadatel","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_ziadatel_prijem_prispevky_typ","ziadatel","typ_rod_prispevok_ziadatel","N/A","string",0,"-",-6,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_prijem_ine","ziadatel","ostatne_prijmy_ziadatel","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_ziadatel_prijem_ine_typ","ziadatel","typ_ine_prijmy_ziadatel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_spoluziadatel_prijem_podn","ziadatel","prijmy_podnikanie_spoludlznik","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_spoluziadatel_prijem_podn_typ","ziadatel","prijmy_podnikanie_spoludlznik_zahr","N/A","string",0,"-",-6,null,null,"G",null,"N/A",true]
["REKO_uver","RK_spoluziadatel_prijem_ZC","ziadatel","prijmy_zavisla_cin_spoludlznik","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_spoluziadatel_prijem_ZC_typ","ziadatel","prijmy_zahr_spoludlznik","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_spoluziadatel_prijem_zahr_mena","ziadatel","prijmy_zahr_mena_spoludlznik","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_spoluziadatel_prijem_diety","ziadatel","diety_spoludlznik","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_spoluziadatel_prijem_dochodok","ziadatel","soc_prijmy_spoludlznik","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_spoluziadatel_prijem_dochodok_typ","ziadatel","typ_dochodku_spoludlznik","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_spoluziadatel_prijem_prispevky","ziadatel","rod_prispevok_spoludlznik","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_spoluziadatel_prijem_prispevky_typ","ziadatel","typ_rod_prispevok_spoludlznik","N/A","string",0,"-",-6,null,null,"G",null,"N/A",true]
["REKO_uver","RK_spoluziadatel_prijem_ine","ziadatel","ostatne_prijmy_spoludlznik","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_spoluziadatel_prijem_ine_typ","ziadatel","typ_ine_prijmy_spoludlznik","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_pocet_clenov_doma","ziadatel","pocet_clenov_dom_ziadatel","N/A","string",0,"-",-1,null,null,"G",null,1,false]
["REKO_uver","RK_ziadatel_deti","ziadatel","pocet_deti_ziadatel","N/A","string",0,"-",-1,null,null,"G",null,0,false]
["REKO_premenne","poc_clenov_s_prijmom_ziadatel","ziadatel","poc_clenov_s_prijmom_ziadatel",0,"string",0,"Počet členov s príjmom",-1,null,null,"G",null,1,false]
["N/A","N/A","ziadatel","real_vydavky_ziadatel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_vyzivne","ziadatel","vyzivne_ziadatel","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka1_druh","ziadatel","splatka1_druh_ziadatel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka1","ziadatel","splatka1_vyska_ziadatel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka11","ziadatel","splatka11_vyska_ziadatel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","ziadatel","splatka1_UVB_ziadatel","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka2_druh","ziadatel","splatka2_druh_ziadatel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka2","ziadatel","splatka2_vyska_ziadatel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka22","ziadatel","splatka22_vyska_ziadatel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","ziadatel","splatka2_UVB_ziadatel","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka3_druh","ziadatel","splatka3_druh_ziadatel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka3","ziadatel","splatka3_vyska_ziadatel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka33","ziadatel","splatka33_vyska_ziadatel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","ziadatel","splatka3_UVB_ziadatel","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka4_druh","ziadatel","splatka4_druh_ziadatel","N/A",{"$f":"VLOOKUP($L270,format_types,3,FALSE)","v":"string"},0,"-",-6,"x",null,{"$f":"IFERROR(CELL(\"format\",INDIRECT($A270 & \"!\" & $B270)),\"G\")","v":"G"},null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka4","ziadatel","splatka4_vyska_ziadatel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka44","ziadatel","splatka44_vyska_ziadatel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",{"$f":"IF(OR(ISERROR(E272),ISERROR(N272)),FALSE,E272=N272)","v":true}]
["N/A","N/A","ziadatel","splatka4_UVB_ziadatel","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka5_druh","ziadatel","splatka5_druh_ziadatel",{"$f":"IFERROR(IF(INDIRECT($A274 & \"!\" & $B274)=\"\",\"N/A\",INDIRECT($A274 & \"!\" & $B274)),\"N/A\")","v":"N/A"},"string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka5","ziadatel","splatka5_vyska_ziadatel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka55","ziadatel","splatka55_vyska_ziadatel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","ziadatel","splatka5_UVB_ziadatel","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka6_druh","ziadatel","splatka6_druh_ziadatel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka6","ziadatel","splatka6_vyska_ziadatel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka66","ziadatel","splatka66_vyska_ziadatel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","ziadatel","splatka6_UVB_ziadatel","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["REKO_uver","N/A","ziadatel","splatka7_druh_ziadatel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","N/A","ziadatel","splatka7_vyska_ziadatel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","N/A","ziadatel","splatka77_vyska_ziadatel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","N/A","ziadatel","splatka7_UVB_ziadatel","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["REKO_uver","N/A","ziadatel","splatka8_druh_ziadatel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","N/A","ziadatel","splatka8_vyska_ziadatel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","N/A","ziadatel","splatka88_vyska_ziadatel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","N/A","ziadatel","splatka8_UVB_ziadatel","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka1_zostatok","ziadatel","splatka1_zostatok_ziadatel","N/A","decimal",0,"-",-4,null,null,",2",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka2_zostatok","ziadatel","splatka2_zostatok_ziadatel","N/A","decimal",0,"-",-4,null,null,",2",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka3_zostatok","ziadatel","splatka3_zostatok_ziadatel","N/A","decimal",0,"-",-4,null,null,",2",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka4_zostatok","ziadatel","splatka4_zostatok_ziadatel","N/A","decimal",0,"-",-4,null,null,",2",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka5_zostatok","ziadatel","splatka5_zostatok_ziadatel","N/A","decimal",0,"-",-4,null,null,",2",null,"N/A",true]
["REKO_uver","RK_ziadatel_splatka6_zostatok","ziadatel","splatka6_zostatok_ziadatel","N/A","decimal",0,"-",-4,null,null,",2",null,"N/A",true]
["REKO_uver","N/A","ziadatel","splatka7_zostatok_ziadatel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","N/A","ziadatel","splatka8_zostatok_ziadatel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_meno","pristupitel","meno_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Jméno)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_priezvisko","pristupitel","priezvisko_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Příjmení)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_titul_pred","pristupitel","titul_pred_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Titul před)",15,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_titul_za","pristupitel","titul_za_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Titul za)",15,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_RC","pristupitel","RC_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/RČ)",10,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_tel","pristupitel","mobil_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Mobil)",0,null,null,"G",null,"N/A",true,true]
["N/A","N/A","pristupitel","druh_mobilu_pristupitel","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","pristupitel","telefon_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Telefon domu)",0,null,null,"G",null,"N/A",true,true]
["N/A","N/A","pristupitel","druh_telefonu_pristupitel","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_mail","pristupitel","email_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/E-mail)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_rodinny_stav","pristupitel","stav_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Rodinný stav)",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_vztah_ziadatel","pristupitel","vztah_ziadatel_pristupitel","N/A","string",0,"-",-6,null,null,"G",null,"N/A",true]
["REKO_premenne","dochodca_pristupitel","pristupitel","dochodca_pristupitel","nie","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Povolaní)",-5,null,"x","G",null,"nie",true]
["N/A","N/A","pristupitel","stat_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Stát)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_OsOVkB","pristupitel","osobitny_vztah_pristupitel","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","pristupitel","manz_pristupitela","N/A","string",0,"-",-5,null,"x","G",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_meno","pristupitel","meno_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Jméno)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_priezvisko","pristupitel","priezvisko_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Příjmení)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_titul_pred","pristupitel","titul_pred_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Titul před)",15,null,null,"G",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_titul_za","pristupitel","titul_za_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Titul za)",15,null,null,"G",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_RC","pristupitel","RC_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/RČ)",10,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_tel","pristupitel","mobil_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Mobil)",0,null,null,"G",null,"N/A",true,true]
["N/A","N/A","pristupitel","druh_mobilu_manz_pristupitela","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","pristupitel","telefon_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Telefon domu)",0,null,null,"G",null,"N/A",true,true]
["N/A","N/A","pristupitel","druh_telefonu_manz_pristupitela","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_mail","pristupitel","email_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/E-mail)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_rodinny_stav","pristupitel","stav_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Rodinný stav)",-6,"x",null,"G",null,"N/A",true]
["REKO_premenne","dochodca_spolupristupitel","pristupitel","dochodca_manz_pristupitela","nie","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Povolaní)",-5,null,"x","G",null,"nie",true]
["N/A","N/A","pristupitel","stat_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Stát)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_OsOVkB","pristupitel","osobitny_vztah_manz_pristupitela","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["REKO_premenne","pr_kor_1","pristupitel","pr_kor_1",false,"boolean",0,"iná korešp. adresa pristupiteľa",-3,null,null,"B",null,false,true]
["REKO_premenne","pr_kor_2","pristupitel","pr_kor_2",false,"boolean",0,"iná korešp. adresa manželky pristupiteľa",-3,null,null,"B",null,false,true]
["REKO_uver","RK_pristupitel_ulica","pristupitel","ulica_trv_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Adresa)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_mesto","pristupitel","mesto_trv_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Adresa)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_PSC","pristupitel","PSC_trv_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Adresa)",-1,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_stat","pristupitel","stat_trv_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Adresa)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_kor_adr_ulica","pristupitel","ulica_kor_pristupitel","N/A",{"$f":"VLOOKUP($L334,format_types,3,FALSE)","v":"string"},0,"(Evidence fyzických osob/PFSU/Pristupitel/Koresp.adresa/Adresa)",0,null,null,{"$f":"IFERROR(CELL(\"format\",INDIRECT($A334 & \"!\" & $B334)),\"G\")","v":"G"},null,"N/A",true,true]
["REKO_uver","RK_pristupitel_kor_adr_mesto","pristupitel","mesto_kor_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Koresp.adresa/Adresa)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_kor_adr_PSC","pristupitel","PSC_kor_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Koresp.adresa/PSČ)",-1,null,null,"G",null,"N/A",{"$f":"IF(OR(ISERROR(E336),ISERROR(N336)),FALSE,E336=N336)","v":true},true]
["REKO_uver","RK_pristupitel_kor_adr_stat","pristupitel","stat_kor_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Koresp.adresa/Stát)",0,null,null,"G",null,"N/A",true,true]
["N/A","N/A","pristupitel","pobyt_od_pristupitel",{"$f":"IFERROR(IF(INDIRECT($A338 & \"!\" & $B338)=\"\",\"N/A\",INDIRECT($A338 & \"!\" & $B338)),\"N/A\")","v":"N/A"},"string",0,"-",0,null,null,"G",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_ulica","pristupitel","ulica_trv_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Adresa)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_mesto","pristupitel","mesto_trv_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Adresa)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_PSC","pristupitel","PSC_trv_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Adresa)",-1,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_stat","pristupitel","stat_trv_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Adresa)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_kor_adr_ulica","pristupitel","ulica_kor_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Koresp.adresa/Adresa)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_kor_adr_mesto","pristupitel","mesto_kor_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Koresp.adresa/Adresa)",0,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_kor_adr_PSC","pristupitel","PSC_kor_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Koresp.adresa/PSČ)",-1,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_kor_adr_stat","pristupitel","stat_kor_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Koresp.adresa/Stát)",0,null,null,"G",null,"N/A",true,true]
["N/A","N/A","pristupitel","pobyt_od_manz_pristupitela","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_zamestnavatel","pristupitel","zamestnavatel_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Klient/Funkce/Zaměstnavatel/Zaměstnávatel)",50,null,null,"G",null,"N/A",true,true]
["N/A","N/A","pristupitel","zamestnavatel2_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Klient/Funkce/Zaměstnavatel/Zaměstnávatel)",40,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_zamestnavatel_ICO","pristupitel","zamestnavatel_ICO_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Klient/Funkce/Zaměstnavatel/Zaměstnávatel)",10,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_zamestnavatel_rodina","pristupitel","zamestnavatel_rodina_pristupitel","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_zamestnavatel_ulica","pristupitel","zamestnavatel_ulica_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Klient/Funkce/Zaměstnavatel/Adresa)",40,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_zamestnavatel_mesto","pristupitel","zamestnavatel_mesto_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Klient/Funkce/Zaměstnavatel/Adresa)",40,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_zamestnavatel_PSC","pristupitel","zamestnavatel_PSC_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Klient/Funkce/Zaměstnavatel/PSČ)",-1,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_zamestnavatel_stat","pristupitel","zamestnavatel_stat_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Klient/Funkce/Zaměstnavatel/Stát)",30,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_prac_pozicia","pristupitel","prac_pozicia_pristupitel","N/A","string",0,"-",30,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_prac_pomer_od","pristupitel","prac_pomer_od_pristupitel","N/A","date",0,"(Evidence fyzických osob/PFSU/Klient/Funkce/Zaměstnavatel/Zač. prac.poměru)",-2,null,null,"D1",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_zamestnanie_typ","pristupitel","typ_zamestnania_pristupitel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_prac_pomer","pristupitel","prac_pomer_druh_pristupitel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_prac_pomer_do","pristupitel","doba_urcita_do_pristupitel","N/A","date",0,"-",-2,null,null,"D1",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_zamestnavatel","pristupitel","zamestnavatel_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Funkce/Zaměstnavatel/Zaměstnávatel)",50,null,null,"G",null,"N/A",true,true]
["N/A","N/A","pristupitel","zamestnavatel2_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Funkce/Zaměstnavatel/Zaměstnávatel)",40,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_zamestnavatel_ICO","pristupitel","zamestnavatel_ICO_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Funkce/Zaměstnavatel/Zaměstnávatel)",10,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_zamestnavatel_rodina","pristupitel","zamestnavatel_rodina_manz_pristupitela","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_zamestnavatel_ulica","pristupitel","zamestnavatel_ulica_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Funkce/Zaměstnavatel/Adresa)",40,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_zamestnavatel_mesto","pristupitel","zamestnavatel_mesto_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Funkce/Zaměstnavatel/Adresa)",40,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_zamestnavatel_PSC","pristupitel","zamestnavatel_PSC_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Funkce/Zaměstnavatel/PSČ)",-1,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_zamestnavatel_stat","pristupitel","zamestnavatel_stat_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Funkce/Zaměstnavatel/Stát)",30,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_prac_pozicia","pristupitel","prac_pozicia_manz_pristupitela","N/A","string",0,"-",30,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_prac_pomer_od","pristupitel","prac_pomer_od_manz_pristupitela","N/A","date",0,"(Evidence fyzických osob/PFSU/Pristupitel/Funkce/Zaměstnavatel/Zač. prac.poměru)",-2,null,null,"D1",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_zamestnanie_typ","pristupitel","typ_zamestnania_manz_pristupitela","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_prac_pomer","pristupitel","prac_pomer_druh_manz_pristupitela","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_prac_pomer_do","pristupitel","doba_urcita_do_manz_pristupitela","N/A","date",0,"-",-2,null,null,"D1",null,"N/A",true]
["REKO_premenne","pr_pod_cin","pristupitel","pr_pod_cin",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["REKO_premenne","manz_pr_pod_cin","pristupitel","manz_pr_pod_cin",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["REKO_uver","RK_pristupitel_podnikanie_druh","pristupitel","druh_podn_cinnosti_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Klient/Povolání)",-6,"x",null,"G",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_podnikanie_od","pristupitel","podn_cinnost_od_pristupitel","N/A","date",0,"-",-2,null,null,"D1",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_ICO","pristupitel","ICO_pristupitel","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Funkce/Zaměstnavatel/Zamestnávatel)",10,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_podnikanie_druh","pristupitel","druh_podn_cinnosti_manz_pristupitela","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Povolání)",-6,"x",null,"G",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_podnikanie_od","pristupitel","podn_cinnost_od_manz_pristupitela","N/A","date",0,"-",-2,null,null,"D1",null,"N/A",true,true]
["REKO_uver","RK_spolupristupitel_ICO","pristupitel","ICO_pristupitel_manz","N/A","string",0,"(Evidence fyzických osob/PFSU/Pristupitel/Funkce/Zaměstnavatel/Zamestnávatel)",10,null,null,"G",null,"N/A",true,true]
["REKO_uver","RK_pristupitel_prijem_podn","pristupitel","prijmy_podnikanie_pristupitel","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_pristupitel_prijem_podn_typ","pristupitel","prijmy_podnikanie_pristupitel_zahr","N/A","string",0,"-",-6,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_prijem_ZC","pristupitel","prijmy_zavisla_cin_pristupitel","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_pristupitel_prijem_ZC_typ","pristupitel","prijmy_zahr_pristupitel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_prijem_zahr_mena","pristupitel","prijmy_zahr_mena_pristupitel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_prijem_diety","pristupitel","diety_pristupitel","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_pristupitel_prijem_dochodok","pristupitel","soc_prijmy_pristupitel","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_pristupitel_prijem_dochodok_typ","pristupitel","typ_dochodku_pristupitel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_prijem_prispevky","pristupitel","rod_prispevok_pristupitel","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_pristupitel_prijem_prispevky_typ","pristupitel","typ_rod_prispevok_pristupitel","N/A","string",0,"-",-6,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_prijem_ine","pristupitel","ostatne_prijmy_pristupitel","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_pristupitel_prijem_ine_typ","pristupitel","typ_ine_prijmy_pristupitel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_prijem_podn","pristupitel","prijmy_podnikanie_manz_pristupitela","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_prijem_podn_typ","pristupitel","prijmy_podnikanie_manz_pristupitela_zahr","N/A","string",0,"-",-6,null,null,"G",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_prijem_ZC","pristupitel","prijmy_zavisla_cin_manz_pristupitela","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_prijem_ZC_typ","pristupitel","prijmy_zahr_manz_pristupitela","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_prijem_zahr_mena","pristupitel","prijmy_zahr_mena_manz_pristupitela","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_prijem_diety","pristupitel","diety_manz_pristupitela","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_prijem_dochodok","pristupitel","soc_prijmy_manz_pristupitela","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_prijem_dochodok_typ","pristupitel","typ_dochodku_pristupitel_partner","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_prijem_prispevky","pristupitel","rod_prispevok_manz_pristupitela","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_prijem_prispevky_typ","pristupitel","typ_rod_prispevok_manz_pristupitela","N/A","string",0,"-",-6,null,null,"G",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_prijem_ine","pristupitel","ostatne_prijmy_manz_pristupitela","N/A",{"$f":"VLOOKUP($L404,format_types,3,FALSE)","v":"decimal"},0,"-",-4,null,null,{"$f":"IFERROR(CELL(\"format\",INDIRECT($A404 & \"!\" & $B404)),\"G\")","v":"C2"},null,"N/A",true]
["REKO_uver","RK_spolupristupitel_prijem_ine_typ","pristupitel","typ_ine_prijmy_pristupitel_partner","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_pocet_clenov_doma","pristupitel","pocet_clenov_dom_pristupitel","N/A","string",0,"-",-1,null,null,"G",null,"N/A",{"$f":"IF(OR(ISERROR(E406),ISERROR(N406)),FALSE,E406=N406)","v":true}]
["REKO_uver","RK_pristupitel_deti","pristupitel","pocet_deti_pristupitel","N/A","string",0,"-",-1,null,null,"G",null,"N/A",true]
["N/A","N/A","pristupitel","real_vydavky_pristupitel",{"$f":"IFERROR(IF(INDIRECT($A408 & \"!\" & $B408)=\"\",\"N/A\",INDIRECT($A408 & \"!\" & $B408)),\"N/A\")","v":"N/A"},"string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_vyzivne","pristupitel","vyzivne_pristupitel","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka1_druh","pristupitel","splatka1_druh_pristupitel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka1","pristupitel","splatka1_vyska_pristupitel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka11","pristupitel","splatka11_vyska_pristupitel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","pristupitel","splatka1_UVB_pristupitel","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka2_druh","pristupitel","splatka2_druh_pristupitel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka2","pristupitel","splatka2_vyska_pristupitel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka22","pristupitel","splatka22_vyska_pristupitel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","pristupitel","splatka2_UVB_pristupitel","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka3_druh","pristupitel","splatka3_druh_pristupitel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka3","pristupitel","splatka3_vyska_pristupitel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka33","pristupitel","splatka33_vyska_pristupitel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","pristupitel","splatka3_UVB_pristupitel","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka4_druh","pristupitel","splatka4_druh_pristupitel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka4","pristupitel","splatka4_vyska_pristupitel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka44","pristupitel","splatka44_vyska_pristupitel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","pristupitel","splatka4_UVB_pristupitel","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka5_druh","pristupitel","splatka5_druh_pristupitel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka5","pristupitel","splatka5_vyska_pristupitel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka55","pristupitel","splatka55_vyska_pristupitel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","pristupitel","splatka5_UVB_pristupitel","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka6_druh","pristupitel","splatka6_druh_pristupitel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka6","pristupitel","splatka6_vyska_pristupitel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka66","pristupitel","splatka66_vyska_pristupitel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","pristupitel","splatka6_UVB_pristupitel","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["N/A","N/A","pristupitel","splatka7_druh_pristupitel","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","pristupitel","splatka7_vyska_pristupitel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","pristupitel","splatka77_vyska_pristupitel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","pristupitel","splatka7_UVB_pristupitel","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["N/A","N/A","pristupitel","splatka8_vyska_pristupitel","N/A","string",0,"-",-6,null,null,"G",null,"N/A",true]
["N/A","N/A","pristupitel","splatka8_druh_pristupitel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","pristupitel","splatka88_vyska_pristupitel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","pristupitel","splatka8_UVB_pristupitel","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka1_zostatok","pristupitel","splatka1_zostatok_pristupitel","N/A","decimal",0,"-",-4,null,null,",2",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka2_zostatok","pristupitel","splatka2_zostatok_pristupitel","N/A","decimal",0,"-",-4,null,null,",2",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka3_zostatok","pristupitel","splatka3_zostatok_pristupitel","N/A","decimal",0,"-",-4,null,null,",2",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka4_zostatok","pristupitel","splatka4_zostatok_pristupitel","N/A","decimal",0,"-",-4,null,null,",2",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka5_zostatok","pristupitel","splatka5_zostatok_pristupitel","N/A","decimal",0,"-",-4,null,null,",2",null,"N/A",true]
["REKO_uver","RK_pristupitel_splatka6_zostatok","pristupitel","splatka6_zostatok_pristupitel","N/A","decimal",0,"-",-4,null,null,",2",null,"N/A",true]
["N/A","N/A","pristupitel","splatka7_zostatok_pristupitel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","pristupitel","splatka8_zostatok_pristupitel","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","meno_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Jméno)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","priezvisko_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Příjmení)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","titul_pred_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Titul před)",15,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","titul_za_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Titul za)",15,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","RC_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/RČ)",10,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","mobil_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Mobil)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","druh_mobilu_rucitel1","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","telefon_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Telefon domu)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","druh_telefonu_rucitel1","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","email_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/E-mail)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","stav_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Rodinný stav)",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","dochodca_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Povolaní)",-5,null,"x","G",null,"N/A",true]
["N/A","N/A","rucitel1","stat_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Stát)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","osobitny_vztah_rucitel1","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","cislo_uctu_rucitel1","N/A","string",0,"(Evidence rolí osob/PFSU/Ručitel/Bank.spoj.)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","kod_banky_rucitel1","N/A","string",0,"(Evidence rolí osob/PFSU/Ručitel/Bank.spoj.)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","manz_rucitel1","N/A","string",0,"-",-5,null,"x","G",null,"N/A",true]
["N/A","N/A","rucitel1","meno_manz_rucitel1","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","priezvisko_manz_rucitel1","N/A",{"$f":"VLOOKUP($L468,format_types,3,FALSE)","v":"string"},0,"-",0,null,null,{"$f":"IFERROR(CELL(\"format\",INDIRECT($A468 & \"!\" & $B468)),\"G\")","v":"G"},null,"N/A",true]
["N/A","N/A","rucitel1","titul_pred_manz_rucitel1","N/A","string",0,"-",15,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","titul_za_manz_rucitel1","N/A","string",0,"-",15,null,null,"G",null,"N/A",{"$f":"IF(OR(ISERROR(E470),ISERROR(N470)),FALSE,E470=N470)","v":true}]
["N/A","N/A","rucitel1","RC_manz_rucitel1","N/A","string",0,"-",10,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","mobil_manz_rucitel1",{"$f":"IFERROR(IF(INDIRECT($A472 & \"!\" & $B472)=\"\",\"N/A\",INDIRECT($A472 & \"!\" & $B472)),\"N/A\")","v":"N/A"},"string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","druh_mobilu_manz_rucitel1","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","telefon_manz_rucitel1","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","druh_telefonu_manz_rucitel1","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","email_manz_rucitel1","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","stav_manz_rucitel1","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","dochodca_manz_rucitel1","N/A","string",0,"-",-5,null,"x","G",null,"N/A",true]
["N/A","N/A","rucitel1","stat_manz_rucitel1","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","osobitny_vztah_manz_rucitel1","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","cislo_uctu_manz_rucitel1","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","kod_banky_manz_rucitel1","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","ruc1_kor_1","N/A","string",0,"iná korešp. adresa ručiteľa1",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","ruc1_kor_2","N/A","string",0,"iná korešp. adresa manželky ručiteľa1",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","ulica_trv_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Adresa)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","mesto_trv_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Adresa)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","PSC_trv_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Adresa)",-1,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","stat_trv_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Adresa)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","ulica_kor_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Koresp.adresa/Adresa)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","mesto_kor_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Koresp.adresa/Adresa)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","PSC_kor_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Koresp.adresa/PSČ)",-1,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","stat_kor_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Koresp.adresa/Stát)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","pobyt_od_rucitel1","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","ulica_trv_manz_rucitel1","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","mesto_trv_manz_rucitel1","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","PSC_trv_manz_rucitel1","N/A","string",0,"-",-1,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","stat_trv_manz_rucitel1","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","ulica_kor_manz_rucitel1","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","mesto_kor_manz_rucitel1","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","PSC_kor_manz_rucitel1","N/A","string",0,"-",-1,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","stat_kor_manz_rucitel1","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","pobyt_od_manz_rucitel1","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","zamestnavatel_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Funkce/Zaměstnavatel/Zaměstnávatel)",50,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","zamestnavatel2_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Funkce/Zaměstnavatel/Zaměstnávatel)",40,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","zamestnavatel_ICO_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Funkce/Zaměstnavatel/Zaměstnávatel)",10,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","zamestnavatel_ulica_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Funkce/Zaměstnavatel/Adresa)",40,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","zamestnavatel_mesto_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Funkce/Zaměstnavatel/Adresa)",40,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","zamestnavatel_PSC_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Funkce/Zaměstnavatel/PSČ)",-1,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","zamestnavatel_stat_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Funkce/Zaměstnavatel/Stát)",30,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","prac_pozicia_rucitel1","N/A","string",0,"-",30,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","prac_pomer_od_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Funkce/Zaměstnavatel/Zač. prac.poměru)",-2,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","prac_pomer_druh_rucitel1","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","doba_urcita_do_rucitel1","N/A","string",0,"-",-2,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","zamestnavatel_manz_rucitel1","N/A","string",0,"-",50,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","zamestnavatel2_manz_rucitel1","N/A","string",0,"-",40,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","zamestnavatel_ICO_manz_rucitel1","N/A","string",0,"-",10,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","zamestnavatel_ulica_manz_rucitel1","N/A","string",0,"-",40,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","zamestnavatel_mesto_manz_rucitel1","N/A","string",0,"-",40,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","zamestnavatel_PSC_manz_rucitel1","N/A","string",0,"-",-1,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","zamestnavatel_stat_manz_rucitel1","N/A","string",0,"-",30,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","prac_pozicia_manz_rucitel1","N/A","string",0,"-",30,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","prac_pomer_od_manz_rucitel1","N/A","string",0,"-",-2,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","prac_pomer_druh_manz_rucitel1","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","doba_urcita_do_manz_rucitel1","N/A","string",0,"-",-2,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","ruc1_pod_cin","N/A","string",0,"-",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","manz_ruc1_pod_cin","N/A","string",0,"-",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","druh_podn_cinnosti_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Povolání)",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","podn_cinnost_od_rucitel1","N/A","string",0,"-",-2,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","ICO_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Funkce/Zaměstnavatel/Zamestnávatel)",10,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","druh_podn_cinnosti_manz_rucitel1","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Povolání)",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","podn_cinnost_od_manz_rucitel1","N/A","string",0,"-",-2,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","ICO_rucitel1_manz","N/A",{"$f":"VLOOKUP($L532,format_types,3,FALSE)","v":"string"},0,"(Evidence fyzických osob/PFSU/Ručiteľ/Funkce/Zaměstnavatel/Zamestnávatel)",10,null,null,{"$f":"IFERROR(CELL(\"format\",INDIRECT($A532 & \"!\" & $B532)),\"G\")","v":"G"},null,"N/A",true]
["N/A","N/A","rucitel1","prijmy_podnikanie_rucitel1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","prijmy_podnikanie_rucitel1_zahr","N/A","string",0,"-",-6,null,null,"G",null,"N/A",{"$f":"IF(OR(ISERROR(E534),ISERROR(N534)),FALSE,E534=N534)","v":true}]
["N/A","N/A","rucitel1","prijmy_zavisla_cin_rucitel1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","prijmy_zahr_rucitel1",{"$f":"IFERROR(IF(INDIRECT($A536 & \"!\" & $B536)=\"\",\"N/A\",INDIRECT($A536 & \"!\" & $B536)),\"N/A\")","v":"N/A"},"string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","diety_rucitel1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","soc_prijmy_rucitel1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","rod_prispevok_rucitel1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","ostatne_prijmy_rucitel1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","prijmy_podnikanie_manz_rucitel1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","prijmy_podnikanie_manz_rucitel1_zahr","N/A","string",0,"-",-6,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","prijmy_zavisla_cin_manz_rucitel1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","prijmy_zahr_manz_rucitel1","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","diety_manz_rucitel1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","soc_prijmy_manz_rucitel1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","rod_prispevok_manz_rucitel1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","ostatne_prijmy_manz_rucitel1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","pocet_clenov_dom_rucitel1","N/A","string",0,"-",-1,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","pocet_deti_rucitel1","N/A","string",0,"-",-1,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","real_vydavky_rucitel1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","splatka1_druh_rucitel1","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","splatka1_vyska_rucitel1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","splatka2_druh_rucitel1","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","splatka2_vyska_rucitel1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","splatka3_druh_rucitel1","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","splatka3_vyska_rucitel1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","splatka4_druh_rucitel1","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","splatka4_vyska_rucitel1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","splatka5_druh_rucitel1","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","splatka5_vyska_rucitel1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","splatka6_druh_rucitel1","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","splatka6_vyska_rucitel1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","splatka7_druh_rucitel1","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","splatka7_vyska_rucitel1","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","meno_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Jméno)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","priezvisko_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Příjmení)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","titul_pred_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Titul před)",15,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","titul_za_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Titul za)",15,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","RC_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/RČ)",10,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","mobil_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Mobil)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","druh_mobilu_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","telefon_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Telefon domu)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","druh_telefonu_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","email_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/E-mail)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","stav_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Rodinný stav)",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","dochodca_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Povolaní)",-5,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","stat_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Stát)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","osobitny_vztah_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","cislo_uctu_rucitel2","N/A","string",0,"(Evidence rolí osob/PFSU/Ručitel/Bank.spoj.)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","kod_banky_rucitel2","N/A","string",0,"(Evidence rolí osob/PFSU/Ručitel/Bank.spoj.)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","manz_rucitel2","N/A","string",0,"-",-5,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","meno_manz_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","priezvisko_manz_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","titul_pred_manz_rucitel2","N/A","string",0,"-",15,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","titul_za_manz_rucitel2","N/A","string",0,"-",15,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","RC_manz_rucitel2","N/A","string",0,"-",10,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","mobil_manz_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","druh_mobilu_manz_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","telefon_manz_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","druh_telefonu_manz_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","email_manz_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","stav_manz_rucitel2","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","dochodca_manz_rucitel2","N/A","string",0,"-",-5,null,"x","G",null,"N/A",true]
["N/A","N/A","rucitel2","stat_manz_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","osobitny_vztah_manz_rucitel2","N/A",{"$f":"VLOOKUP($L596,format_types,3,FALSE)","v":"string"},0,"-",0,null,null,{"$f":"IFERROR(CELL(\"format\",INDIRECT($A596 & \"!\" & $B596)),\"G\")","v":"G"},null,"N/A",true]
["N/A","N/A","rucitel2","cislo_uctu_manz_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","kod_banky_manz_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",{"$f":"IF(OR(ISERROR(E598),ISERROR(N598)),FALSE,E598=N598)","v":true}]
["N/A","N/A","rucitel2","ruc2_kor_1","N/A","string",0,"iná korešp. adresa ručiteľa1",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","ruc2_kor_2",{"$f":"IFERROR(IF(INDIRECT($A600 & \"!\" & $B600)=\"\",\"N/A\",INDIRECT($A600 & \"!\" & $B600)),\"N/A\")","v":"N/A"},"string",0,"iná korešp. adresa manželky ručiteľa1",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","ulica_trv_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Adresa)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","mesto_trv_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Adresa)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","PSC_trv_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Adresa)",-1,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","stat_trv_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Adresa)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","ulica_kor_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Koresp.adresa/Adresa)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","mesto_kor_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Koresp.adresa/Adresa)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","PSC_kor_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Koresp.adresa/PSČ)",-1,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","stat_kor_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Koresp.adresa/Stát)",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","pobyt_od_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","ulica_trv_manz_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","mesto_trv_manz_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","PSC_trv_manz_rucitel2","N/A","string",0,"-",-1,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","stat_trv_manz_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","ulica_kor_manz_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","mesto_kor_manz_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","PSC_kor_manz_rucitel2","N/A","string",0,"-",-1,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","stat_kor_manz_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","pobyt_od_manz_rucitel2","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","zamestnavatel_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Funkce/Zaměstnavatel/Zaměstnávatel)",50,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","zamestnavatel2_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Funkce/Zaměstnavatel/Zaměstnávatel)",40,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","zamestnavatel_ICO_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Funkce/Zaměstnavatel/Zaměstnávatel)",10,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","zamestnavatel_ulica_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Funkce/Zaměstnavatel/Adresa)",40,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","zamestnavatel_mesto_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Funkce/Zaměstnavatel/Adresa)",40,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","zamestnavatel_PSC_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Funkce/Zaměstnavatel/PSČ)",-1,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","zamestnavatel_stat_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Funkce/Zaměstnavatel/Stát)",30,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","prac_pozicia_rucitel2","N/A","string",0,"-",30,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","prac_pomer_od_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Funkce/Zaměstnavatel/Zač. prac.poměru)",-2,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","prac_pomer_druh_rucitel2","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","doba_urcita_do_rucitel2","N/A","string",0,"-",-2,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","zamestnavatel_manz_rucitel2","N/A","string",0,"-",50,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","zamestnavatel2_manz_rucitel2","N/A","string",0,"-",40,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","zamestnavatel_ICO_manz_rucitel2","N/A","string",0,"-",10,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","zamestnavatel_ulica_manz_rucitel2","N/A","string",0,"-",40,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","zamestnavatel_mesto_manz_rucitel2","N/A","string",0,"-",40,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","zamestnavatel_PSC_manz_rucitel2","N/A","string",0,"-",-1,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","zamestnavatel_stat_manz_rucitel2","N/A","string",0,"-",30,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","prac_pozicia_manz_rucitel2","N/A","string",0,"-",30,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","prac_pomer_od_manz_rucitel2","N/A","string",0,"-",-2,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","prac_pomer_druh_manz_rucitel2","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","doba_urcita_do_manz_rucitel2","N/A","string",0,"-",-2,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","ruc2_pod_cin","N/A","string",0,"-",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","manz_ruc2_pod_cin","N/A","string",0,"-",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","druh_podn_cinnosti_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Povolání)",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","podn_cinnost_od_rucitel2","N/A","string",0,"-",-2,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","ICO_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Funkce/Zaměstnavatel/Zamestnávatel)",10,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","druh_podn_cinnosti_manz_rucitel2","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručitel/Povolání)",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","podn_cinnost_od_manz_rucitel2","N/A","string",0,"-",-2,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","ICO_rucitel2_manz","N/A","string",0,"(Evidence fyzických osob/PFSU/Ručiteľ/Funkce/Zaměstnavatel/Zamestnávatel)",10,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","prijmy_podnikanie_rucitel2","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","prijmy_podnikanie_rucitel2_zahr","N/A","string",0,"-",-6,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","prijmy_zavisla_cin_rucitel2","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","prijmy_zahr_rucitel2","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","diety_rucitel2","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","soc_prijmy_rucitel2","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","rod_prispevok_rucitel2","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","ostatne_prijmy_rucitel2","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","prijmy_podnikanie_manz_rucitel2","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","prijmy_podnikanie_manz_rucitel2_zahr","N/A","string",0,"-",-6,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","prijmy_zavisla_cin_manz_rucitel2","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","prijmy_zahr_manz_rucitel2","N/A",{"$f":"VLOOKUP($L660,format_types,3,FALSE)","v":"string"},0,"-",-6,"x",null,{"$f":"IFERROR(CELL(\"format\",INDIRECT($A660 & \"!\" & $B660)),\"G\")","v":"G"},null,"N/A",true]
["N/A","N/A","rucitel2","diety_manz_rucitel2","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","soc_prijmy_manz_rucitel2","N/A","string",0,"-",-4,null,null,"G",null,"N/A",{"$f":"IF(OR(ISERROR(E662),ISERROR(N662)),FALSE,E662=N662)","v":true}]
["N/A","N/A","rucitel2","rod_prispevok_manz_rucitel2","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","ostatne_prijmy_manz_rucitel2",{"$f":"IFERROR(IF(INDIRECT($A664 & \"!\" & $B664)=\"\",\"N/A\",INDIRECT($A664 & \"!\" & $B664)),\"N/A\")","v":"N/A"},"string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","pocet_clenov_dom_rucitel2","N/A","string",0,"-",-1,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","pocet_deti_rucitel2","N/A","string",0,"-",-1,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","real_vydavky_rucitel2","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","splatka1_druh_rucitel2","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","splatka1_vyska_rucitel2","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","splatka2_druh_rucitel2","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","splatka2_vyska_rucitel2","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","splatka3_druh_rucitel2","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","splatka3_vyska_rucitel2","N/A","string",0,"-",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","splatka4_druh_rucitel2","N/A","string",0,"-",-6,"x",null,"G",null,"N/A",true]
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["REKO_premenne","zoznamy_suhlas3","zoznamy","zoznamy_suhlas3",false,"string",0,"-",0,null,null,"G",null,false,{"$f":"IF(OR(ISERROR(E917),ISERROR(N917)),FALSE,E917=N917)","v":true}]
["REKO_premenne","zoznamy_suhlas4","zoznamy","zoznamy_suhlas4",{"$f":"IFERROR(IF(INDIRECT($A918 & \"!\" & $B918)=\"\",\"N/A\",INDIRECT($A918 & \"!\" & $B918)),\"N/A\")","v":false},"string",0,"-",0,null,null,"G",null,true,false]
["N/A","N/A","zoznamy","zoznamy_rozhodcovska_dolozka",{"$f":"IFERROR(IF(INDIRECT($A919 & \"!\" & $B919)=\"\",\"N/A\",INDIRECT($A919 & \"!\" & $B919)),\"N/A\")","v":"N/A"},"string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","vyhlasenia","vyhlasenia_poznamky","N/A","string",0,"-",-7,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadost_vyska_uveru_akceptovana","premenne","vyhl_MinAkceptCS","N/A","decimal",0,"-",-4,null,null,"C2",null,"N/A",true]
["N/A","N/A","ZaP","zap_VIP_ziadatel","N/A","string",0,"-",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","ZaP","zap_VIP_spoluziadatel","N/A","string",0,"-",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","p_vynimka_zolikUS","N/A","string",0,"-",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","p_vynimka_zolikpoplatok","N/A","string",0,"-",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","p_vynimka_he_U5","N/A","string",0,"-",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","p_vynimka","N/A","string",0,"-",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","p_vynimka_prijem","N/A","string",0,"-",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","p_vynimka_vek","N/A","string",0,"-",-3,null,null,"G",null,"N/A",true]
["REKO_premenne","PEO_ziadatel","premenne","PEO_ziadatel",{"$f":"IFERROR(IF(INDIRECT($A930 & \"!\" & $B930)=\"\",\"N/A\",INDIRECT($A930 & \"!\" & $B930)),\"N/A\")","v":false},"boolean",0,"-",0,null,null,"B",null,false,true]
["REKO_premenne","PEO_spoluziadatel","premenne","PEO_spoluziadatel",false,"boolean",0,"-",0,null,null,"B",null,false,true]
["REKO_premenne","PEO_pristupitel","premenne","PEO_pristupitel",false,"boolean",0,"-",0,null,null,"B",null,false,true]
["REKO_premenne","PEO_spolupristupitel","premenne","PEO_manz_pristupitela",false,"boolean",0,"-",0,null,null,"B",null,false,true]
["REKO_premenne","spotrebitelsky_ucel","premenne","spotrebitelsky_ucel","N/A","boolean",0,"-",-3,null,null,"B",null,true,false]
["REKO_premenne","rk_cm","premenne","cm_eur",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["REKO_premenne","rk_cm_ine","premenne","cm_ine",false,"boolean",0,"-",-3,null,null,"B",null,false,true]
["N/A","N/A","TechnickePremenne","tp_typ_Sx","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","TechnickePremenne","tp_typ_SSx","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","TechnickePremenne","tp_typ_Px","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","TechnickePremenne","tp_typ_PSx","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","TechnickePremenne","tp_II_DPx","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","TechnickePremenne","tp_II_ISEZx","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","TechnickePremenne","tp_II_INEx","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","overenie_OZ_LSS","N/A","string",0,"Overenie OZ LSS",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","overenie_OZ_LUV","N/A","string",0,"Overenie OZ LUV",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_ziadatel","N/A","string",0,"BL_ziadatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_spoludlznik","N/A","string",0,"BL_spoludlznik",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_ziadatel_podnikatel","N/A","string",0,"BL_ziadatel_podnikatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_spoludlznik_podnikatel","N/A","string",0,"BL_spoludlznik_podnikatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_ziadatel_zamestnavatel","N/A","string",0,"BL_ziadatel_zamestnavatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_spoludlznik_zamestnavatel","N/A","string",0,"BL_spoludlznik_zamestnavatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_pristupitel","N/A","string",0,"BL_pristupitel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_manz_pristupitela","N/A","string",0,"BL_manz_pristupitela",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_pristupitel_podnikatel","N/A","string",0,"BL_pristupitel_podnikatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_manz_pristupitela_podnikatel","N/A","string",0,"BL_manz_pristupitela_podnikatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_pristupitel_zamestnavatel","N/A","string",0,"BL_pristupitel_zamestnavatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_manz_pristupitela_zamestnavatel","N/A","string",0,"BL_manz_pristupitela_zamestnavatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_rucitel1","N/A","string",0,"BL_rucitel1",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_manz_rucitel1","N/A","string",0,"BL_manz_rucitel1",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_rucitel1_podnikatel","N/A","string",0,"BL_rucitel1_podnikatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_manz_rucitel1_podnikatel","N/A","string",0,"BL_manz_rucitel1_podnikatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_rucitel1_zamestnavatel","N/A","string",0,"BL_rucitel1_zamestnavatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_manz_rucitel1_zamestnavatel","N/A","string",0,"BL_manz_rucitel1_zamestnavatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_rucitel2","N/A","string",0,"BL_rucitel2",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_manz_rucitel2","N/A","string",0,"BL_manz_rucitel2",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_rucitel2_podnikatel","N/A","string",0,"BL_rucitel2_podnikatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_manz_rucitel2_podnikatel","N/A","string",0,"BL_manz_rucitel2_podnikatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_rucitel2_zamestnavatel","N/A","string",0,"BL_rucitel2_zamestnavatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_manz_rucitel2_zamestnavatel","N/A","string",0,"BL_manz_rucitel2_zamestnavatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_ziadatel_meno","N/A","string",0,"BL_ziadatel_meno",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_spoludlznik_meno","N/A","string",0,"BL_spoludlznik_meno",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_pristupitel_meno","N/A","string",0,"BL_pristupitel_meno",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_manz_pristupitela_meno","N/A","string",0,"BL_manz_pristupitela_meno",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_ziadatel_zamestnavatel_nazov","N/A","string",0,"BL_ziadatel_zamestnavatel_nazov",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_spoludlznik_zamestnavatel_nazov","N/A","string",0,"BL_spoludlznik_zamestnavatel_nazov",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_pristupitel_zamestnavatel_nazov","N/A","string",0,"BL_pristupitel_zamestnavatel_nazov",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","BL_manz_pristupitela_zamestnavatel_nazov","N/A","string",0,"BL_manz_pristupitela_zamestnavatel_nazov",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_ziadatel_RC","N/A","string",0,"BL_rucitel1",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_ziadatel_meno","N/A",{"$f":"VLOOKUP($L979,format_types,3,FALSE)","v":"string"},0,"BL_manz_rucitel1",0,null,null,{"$f":"IFERROR(CELL(\"format\",INDIRECT($A979 & \"!\" & $B979)),\"G\")","v":"G"},null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_ziadatel_RC6","N/A","string",0,"BL_rucitel1_podnikatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_spoludlznik_RC","N/A","string",0,"BL_manz_rucitel1_podnikatel",0,null,null,"G",null,"N/A",{"$f":"IF(OR(ISERROR(E981),ISERROR(N981)),FALSE,E981=N981)","v":true}]
["N/A","N/A","overenie","OsOVkB_spoludlznik_meno","N/A","string",0,"BL_rucitel1_zamestnavatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_spoludlznik_RC6",{"$f":"IFERROR(IF(INDIRECT($A983 & \"!\" & $B983)=\"\",\"N/A\",INDIRECT($A983 & \"!\" & $B983)),\"N/A\")","v":"N/A"},"string",0,"BL_manz_rucitel1_zamestnavatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_pristupitel_RC","N/A","string",0,"BL_rucitel1",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_pristupitel_meno","N/A","string",0,"BL_manz_rucitel1",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_pristupitel_RC6","N/A","string",0,"BL_rucitel1_podnikatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_manz_pristupitela_RC","N/A","string",0,"BL_manz_rucitel1_podnikatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_manz_pristupitela_meno","N/A","string",0,"BL_rucitel1_zamestnavatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_manz_pristupitela_RC6","N/A","string",0,"BL_manz_rucitel1_zamestnavatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_rucitel1_RC","N/A","string",0,"BL_rucitel1",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_rucitel1_meno","N/A","string",0,"BL_manz_rucitel1",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_rucitel1_RC6","N/A","string",0,"BL_rucitel1_podnikatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_manz_rucitel1_RC","N/A","string",0,"BL_manz_rucitel1_podnikatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_manz_rucitel1_meno","N/A","string",0,"BL_rucitel1_zamestnavatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_manz_rucitel1_RC6","N/A","string",0,"BL_manz_rucitel1_zamestnavatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_rucitel2_RC","N/A","string",0,"BL_rucitel1",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_rucitel2_meno","N/A","string",0,"BL_manz_rucitel1",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_rucitel2_RC6","N/A","string",0,"BL_rucitel1_podnikatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_manz_rucitel2_RC","N/A","string",0,"BL_manz_rucitel1_podnikatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_manz_rucitel2_meno","N/A","string",0,"BL_rucitel1_zamestnavatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","OsOVkB_manz_rucitel2_RC6","N/A","string",0,"BL_manz_rucitel1_zamestnavatel",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","overenie_datum","N/A","string",0,"Dátum overenia",0,null,null,"G",null,"N/A",true]
["N/A","N/A","overenie","overenie_hist_UR","N/A","string",0,"História v úverovom registri",-5,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_doklad_cislo","schvalovaci_protokol","schp_OP_ziad_cislo","N/A","string",0,"-",0,null,null,"G",null,"uh481548",false]
["REKO_uver","RK_spoluziadatel_doklad_cislo","schvalovaci_protokol","schp_OP_spoluziad_cislo","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["REKO_uver","RK_pristupitel_doklad_cislo","schvalovaci_protokol","schp_OP_prist_cislo","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["REKO_uver","RK_spolupristupitel_doklad_cislo","schvalovaci_protokol","schp_OP_manzprist_cislo","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["REKO_premenne","NS_prepocitana","premenne","NS_prepocitana",0,"decimal",1,"Prepočítaná nasporená suma",-4,null,null,"F2",null,0,true]
["REKO_premenne","HC_prepocitane","premenne","HC_prepocitane",0,"string",1,"Prepočítané hodnotiace číslo",-4,null,null,"G",null,0,true]
["REKO_premenne","doterajsia_doba_sporenia","premenne","doterajsia_doba_sporenia",0,"string",1,"Doterajšia doba sporenia (v mesiacoch)",-1,null,null,"G",null,0,true]
["REKO_premenne","RK_MU_NS_min_percento","premenne","min_NS_percento","N/A","decimal",1,"Minimálna nasporená suma (%)",-4,null,null,{"$f":"IFERROR(CELL(\"format\",INDIRECT($A1011 & \"!\" & $B1011)),\"G\")","v":"P2"},null,0.50260000000000005,false]
["N/A","N/A","premenne","podiel_NS_suma","N/A","string",1,"Minimálna nasporená suma",-4,null,null,"G",null,"N/A",true]
["REKO_premenne","min_HC","premenne","min_HC",7,"decimal",1,"Minimálne hodnotiace číslo",-4,null,null,"F1",null,7,true]
["REKO_premenne","min_doba_sporenia","premenne","min_doba_sporenia",21,"string",1,"Minimálna doba sporenia",-1,null,null,"G",null,21,true]
["REKO_premenne","urok_sporenie","premenne","urok_sporenie",1E-3,"decimal",1,"Úroková sadzba sporenia",-4,null,null,"P2",null,1E-3,true]
["N/A","N/A","premenne","min_vklad_percento","N/A","string",1,"Minimálny vklad (%)",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","min_vklad_suma","N/A","string",1,"Minimálny vklad",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","zabezpecenie_final","N/A","string",1,"Zabezpečenie úveru",-6,null,null,"G",null,"N/A",true]
["N/A","N/A","ZaP","zap_splatenie_mimo_CSOBSP","N/A","string",0,"Splatenie úveru mimo ČSOB SP",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","p_platnost_parametrov","N/A","string",0,"Platnosť parametrov",-1,null,null,"G",null,"N/A",true]
["N/A","N/A","uver","out_MU_vyska_uveru_zabezpecenie","N/A","string",1,"Výška úveru pre zabezpečenie",-4,null,null,"G",null,"N/A",true]
["REKO_premenne","RK_sadzba_final","uver","out_MU_urokova_sadzba",5.5E-2,"decimal",1,"Úroková sadzba medziúveru (Úvery/Smlouvy/Další informace/Úroková sadzba)",-4,null,null,"P2",null,4.2000000000000003E-2,false]
["REKO_premenne","RPMN_MU","uver","out_MU_RPMN",0,"decimal",1,"RPMN medziúveru (Úvery/Smlouvy/Další informace/Úroková sadzba/RPMN PÚ )",0,null,null,"P2",null,4.698129754820015E-2,false]
["REKO_premenne","RK_splatnost_MU","premenne","trvanie_MU","N/A","string",1,"Predpokladané trvanie MÚ (v mesiacoch)",-1,null,null,"G",null,72,false]
["REKO_premenne","RK_MU_splatka_final","uver","out_MU_Mesacna_splatka_celkom","N/A","decimal",1,"Mesačná splátka MÚ celkom",-4,null,null,"C2",null,163.74555555555554,false]
["REKO_premenne","RK_MU_splatka_sporenie","uver","out_MU_vkladSS","N/A","decimal",1,"vklad na sporenie",-4,null,null,"C2",null,108.96,false]
["REKO_premenne","RK_MU_splatka_uroky","uver","out_MU_splatka_urokov","N/A","decimal",1,"splátka úrokov z MÚ",-4,null,null,"C2",null,53.23,false]
["REKO_premenne","RK_poistne_MU","uver","out_MU_poistne","N/A","string",1,"poistné MÚ",-4,null,null,"G",null,2.48,false]
["N/A","N/A","uver","out_MU_zaplatene_uroky","N/A","string",1,"Zaplatené úroky z MÚ celkom",-4,null,null,"G",null,"N/A",true]
["REKO_premenne","RK_SU_vyska","uver","out_SU_vyska_uveru","N/A","decimal",1,"Predpokladaná výška SÚ:",-4,null,null,"C2",null,7131.63,false]
["REKO_premenne","RK_sadzba_SU","uver","out_SU_urokova_sadzba",0.05,"decimal",1,"Úroková sadzba SÚ",-4,null,null,"P2",null,0.05,true]
["REKO_premenne","RPMN_SU","uver","out_SU_RPMN",0,"decimal",1,"RPMN SÚ (Úvery/Smlouvy/Další informace/Úroková sadzba/RPMN SÚ )",0,null,null,"P2",null,5.1224890090475067E-2,false]
["REKO_premenne","RK_splatnost_SU","premenne","trvanie_SU","N/A","string",1,"Predpokladané trvanie SÚ (v mesiacoch)",-1,null,null,"G",null,48,false]
["N/A","N/A","uver","out_SU_Mesacna_splatka_predpisana","N/A","string",1,"Predpísaná splátka SÚ",0,null,null,"G",null,"N/A",true]
["REKO_premenne","RK_SU_splatka_final","uver","out_SU_Mesacna_splatka_celkom","N/A","decimal",1,"Mesačná splátka SÚ celkom",-4,null,null,"C2",null,164.24,false]
["N/A","N/A","uver","out_SU_splatka","N/A","string",1,"splátka úrokov a istiny SÚ",-4,null,null,"G",null,"N/A",true]
["REKO_premenne","RK_poistne_SU","uver","out_SU_poistne","N/A","string",1,"poistné SÚ",-4,null,null,"G",null,7.64,false]
["N/A","N/A","uver","out_SU_zaplatene_uroky","N/A","string",1,"Zaplatené úroky zo SÚ celkom",-4,null,null,"G",null,"N/A",true]
["REKO_premenne","prijmy_ziadatel_spolu","premenne","prijmy_ziadatel_spolu",0,"string",1,"Príjmy žiadateľa spolu (Úvery/Smlouvy/Bonita/Klient )",-4,null,null,"G",null,1800,false]
["REKO_premenne","prijmy_spoludlznik_spolu","premenne","prijmy_spoludlznik_spolu",0,"string",1,"Príjmy spoludlžníka spolu (Úvery/Smlouvy/Bonita/Partner klienta)",-4,null,null,"G",null,0,true]
["REKO_premenne","min_vydavky_ziadatel","premenne","min_vydavky_ziadatel",210.2,"string",1,"Minimálne výdavky domácnosti",-4,null,null,"G",null,210.2,true]
["N/A","N/A","premenne","celkove_vydavky_ziadatel","N/A","string",1,"Celkové výdavky domácnosti (Úvery/Smlouvy/Bonita/Klient )",-4,null,null,"G",null,"N/A",true]
["REKO_premenne","priznane_prijmy_spolu","premenne","priznane_prijmy_spolu",0,"string",1,"Priznané príjmy spolu",-4,null,null,"G",null,1800,false]
["REKO_premenne","disponibilne_zdroje_ziadatel","premenne","disponibilne_zdroje_ziadatel",-126.11999999999999,"decimal",1,"Disponibilné zdroje domácnosti (Úvery/Smlouvy/Bonita/Disponibilní zdroje domácnosti)",-4,null,null,"F2",null,953.87999999999988,false]
["N/A","N/A","ziadatel","out_ziadatel_bonita1","N/A","string",1,"Splátka pre hodnotenie bonity (Úvery/Smlouvy/Bonita/Splátka pre bonitu)",-4,null,null,"G",null,"N/A",true]
["REKO_premenne","rozhodujuca_splatka","ziadatel","rezerva_splatky_ziadatel",{"$f":"IFERROR(IF(INDIRECT($A1046 & \"!\" & $B1046)=\"\",\"N/A\",INDIRECT($A1046 & \"!\" & $B1046)),\"N/A\")","v":"N/A"},"string",1,"Splátka pre hodnotenie bonity (Úvery/Smlouvy/Bonita/Splátka pre bonitu)",-4,null,null,"G",null,201.36,false]
["REKO_premenne","financny_ukazovatel_ziadatel","premenne","financny_ukazovatel_ziadatel","N/A",{"$f":"VLOOKUP($L1047,format_types,3,FALSE)","v":"string"},1,"Finančný ukazovateľ žiadateľa (Úvery/Smlouvy/Bonita/Finanční ukazatel)",-4,null,null,{"$f":"IFERROR(CELL(\"format\",INDIRECT($A1047 & \"!\" & $B1047)),\"G\")","v":"G"},null,0.21109573531261799,false]
["REKO_premenne","financny_ukazovatel_ziadatel_rezerva","premenne","financny_ukazovatel_ziadatel_rezerva","N/A","string",1,"-",-4,null,null,"G",null,0.21109573531261799,false]
["REKO_premenne","hodnotenie_ziadatel_kod","hodnotenie","hodnotenie_ziadatel_kod","A","string",1,"Finančné hodnotenie žiadateľa",1,null,null,"G",null,"A",true]
["REKO_premenne","hodnotenie_ziadatel_nef_kod","premenne","hodnotenie_ziadatel_nef_kod","N/A","string",0,"Nefinančné hodnotenie žiadateľa",1,null,null,"G",null,"B",{"$f":"IF(OR(ISERROR(E1050),ISERROR(N1050)),FALSE,E1050=N1050)","v":false}]
["REKO_premenne","hodnotenie_ziadatel_nef_value","premenne","hodnotenie_ziadatel_nef_value","N/A","string",1,"Nefinančné hodnotenie žiadateľa - šifrovaná hodnota",-4,null,null,"G",null,3.3095499999999998,false]
["N/A","N/A","premenne","hodnotenie_ziadatel_nef_karta",{"$f":"IFERROR(IF(INDIRECT($A1052 & \"!\" & $B1052)=\"\",\"N/A\",INDIRECT($A1052 & \"!\" & $B1052)),\"N/A\")","v":"N/A"},"string",1,"Nefinančné hodnotenie žiadateľa - skórovacia karta (E, N)",1,null,null,"G",null,"N/A",true]
["REKO_premenne","verzia_skoring","premenne","hodnotenie_ziadatel_nef_verzia",{"$f":"IFERROR(IF(INDIRECT($A1053 & \"!\" & $B1053)=\"\",\"N/A\",INDIRECT($A1053 & \"!\" & $B1053)),\"N/A\")","v":"2.3"},"string",1,"Nefinančné hodnotenie žiadateľa - verzia skóringu (X.Y)",3,null,null,"G",null,"2.3",true]
["N/A","N/A","premenne","hodnotenie_ziadatel_kod_celk","N/A","string",1,"Celkové hodnotenie žiadateľa",1,null,null,"G",null,"N/A",true]
["REKO_premenne","DSTI","premenne","DSTI","N/A","decimal",1,"-",-4,null,null,"P2",null,9.1244444444444447E-2,false]
["REKO_premenne","hodnotenie_ziadatel_DSTI_celk","premenne","DSTI_vyhodnotenie","nevyhovuje","string",1,"-",0,null,null,"G",null,"vyhovuje",false]
["REKO_premenne","DSTI_limit","premenne","DSTI_limit",0.55000000000000004,"decimal",1,"-",-4,null,null,"P2",null,0.65,false]
["REKO_premenne","LTI","premenne","LTI","N/A","decimal",1,"-",-4,null,null,"F2",null,0.69444444444444442,false]
["REKO_premenne","DTI","premenne","DTI","N/A","decimal",1,"-",-4,null,null,"F2",null,0.69444444444444442,false]
["REKO_premenne","prijmy_pristupitel_spolu","premenne","prijmy_pristupitel_spolu",0,"string",1,"Príjmy pristupiteľa spolu (Úvery/Smlouvy/Bonita/Přistupitel 1)",-4,null,null,"G",null,0,true]
["REKO_premenne","prijmy_manz_pristupitela_spolu","premenne","prijmy_manz_pristupitela_spolu",0,"string",1,"Príjmy manž. pristupiteľa spolu",-4,null,null,"G",null,0,true]
["REKO_premenne","min_vydavky_pristupitel","premenne","min_vydavky_pristupitel",0,"string",1,"Minimálne výdavky domácnosti pristupiteľa",-4,null,null,"G",null,0,true]
["N/A","N/A","premenne","celkove_vydavky_pristupitel","N/A","string",1,"Celkové výdavky domácnosti pristupiteľa (Úvery/Smlouvy/Bonita/Přistupitel 1)",-4,null,null,"G",null,"N/A",true]
["REKO_premenne","priznane_prijmy_spolu_pristupitel","premenne","priznane_prijmy_spolu_pristupitel",0,"string",1,"Priznané príjmy pristupiteľa spolu",-4,null,null,"G",null,0,true]
["REKO_premenne","disponibilne_zdroje_pristupitel","premenne","disponibilne_zdroje_pristupitel",0,"decimal",1,"Disponibilné zdroje domácnosti pristupiteľa",-4,null,null,"F2",null,0,true]
["N/A","N/A","premenne","prijmy_rucitel1_spolu","N/A","string",1,"Príjmy ručiteľa1 spolu (Úvery/Smlouvy/Bonita/Ručitel 1)",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","prijmy_manz_rucitel1_spolu","N/A","string",1,"Príjmy manž. ručiteľa1 spolu",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","min_vydavky_rucitel1","N/A","string",1,"Minimálne výdavky domácnosti ručiteľa1",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","celkove_vydavky_rucitel1","N/A","string",1,"Celkové výdavky domácnosti ručiteľa1 (Úvery/Smlouvy/Bonita/Ručitel 1)",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","priznane_prijmy_spolu_rucitel1","N/A","string",1,"Priznané príjmy ručiteľa1 spolu",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","disponibilne_zdroje_rucitel1","N/A","string",1,"Disponibilné zdroje domácnosti ručiteľa1",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel1","out_rucitel1_bonita1","N/A","string",1,"Splátka pre hodnotenie bonity",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","financny_ukazovatel_rucitel1","N/A","string",1,"Finančný ukazovateľ ručiteľa1",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","hodnotenie","hodnotenie_rucitel1_kod","N/A","string",1,"Celkové hodnotenie ručiteľa1",1,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","prijmy_rucitel2_spolu","N/A","string",1,"Príjmy ručiteľa2 spolu",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","prijmy_manz_rucitel2_spolu","N/A","string",1,"Príjmy manž. ručiteľa2 spolu",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","min_vydavky_rucitel2","N/A","string",1,"Minimálne výdavky domácnosti ručiteľa2",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","celkove_vydavky_rucitel2","N/A","string",1,"Celkové výdavky domácnosti ručiteľa2",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","priznane_prijmy_spolu_rucitel2","N/A","string",1,"Priznané príjmy ručiteľa2 spolu",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","disponibilne_zdroje_rucitel2","N/A","string",1,"Disponibilné zdroje domácnosti ručiteľa2",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","rucitel2","out_rucitel2_bonita1","N/A","string",1,"Splátka pre hodnotenie bonity",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","financny_ukazovatel_rucitel2","N/A","string",1,"Finančný ukazovateľ ručiteľa2",-4,null,null,"G",null,"N/A",true]
["N/A","N/A","hodnotenie","hodnotenie_rucitel2_kod","N/A","string",1,"Celkové hodnotenie ručiteľa2",1,null,null,"G",null,"N/A",true]
["N/A","N/A","typy_sporenia","ts_K10_mmv","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["N/A","N/A","typy_sporenia","ts_K11_mmv","N/A","string",0,"-",0,null,null,"G",null,"N/A",true]
["REKO_uver","RK_ziadatel_vek","premenne","vek_ziadatel","N/A","string",1,"Vek žiadateľa v čase žiadosti",-1,null,null,"G",null,29,false]
["N/A","N/A","premenne","self_employment_income","N/A","string",1,"Ex.",-3,null,null,"G",null,"N/A",true]
["REKO_premenne","typ_zmluvy_text","premenne","typ_zmluvy","MU_N","string",1,"1-MU_N; 2-MU_E; 3-SU",-1,null,null,"G",null,"MU_N",true]
["N/A","N/A","premenne","trv_kor_ina","N/A","string",1,"Iná korešpondenčná adresa žiadateľa.",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","trv_zam_ina","N/A","string",1,"TRUE/FALSE (psč), 1. porovnať obce, 2. psč, rozdielna trvalá adresa a adresa zamestnávateľa",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","kor_zam_ina","N/A","string",1,"TRUE/FALSE (psč), 1. porovnať obce, 2. psč, rozdielna korešpodenčná adresa a adresa zamestnávateľa",-3,null,null,"G",null,"N/A",true]
["N/A","N/A","premenne","K9_rovnaka_splatka","N/A","string",0,"K9 - rovnaká splátka",0,null,null,"G",null,"N/A",true]
["REKO_premenne","fin_rezerva_percento","premenne","fin_rezerva_percento",{"$f":"IFERROR(IF(INDIRECT($A1093 & \"!\" & $B1093)=\"\",\"N/A\",INDIRECT($A1093 & \"!\" & $B1093)),\"N/A\")","v":0},"decimal",1,"-",-4,null,null,"P2",null,0.87334255881242928,false]
["REKO_premenne","p_prepocet_reftime","premenne","p_prepocet_reftime","N/A","string",1,"-",0,null,null,"G",null,"2020-02-24_11:47:15",false]
["REKO_premenne","risk_band","premenne","risc_band","L","string",1,"Risk band",1,null,null,"G",null,"VL",false]
["REKO_uver","RK_ziadost_splatnost","uver","splatnost_RK","N/A","int",0,"splatnost reko uveru v rokoch",-1,null,null,"F0",null,10,false]
["REKO_premenne","REKO_existujuci","uver","REKO_existujuci","nie","string",0,"identifikator existujuceho klienta (ci splna na lubovolnej zmluve podmienky)",-5,null,null,"G",null,"áno",false]
["REKO_premenne","p_REKO","premenne","p_REKO",true,"string",0,"identifikator, ci ide o ziadost z AMU+REKO",-3,null,null,"G",null,true,true]
["N/A","N/A","uver","REKO_existujuci_zmluva","N/A","string",0,"zmluva na ktorej klient splna podmienky existujuceho klienta",-4,null,null,"G",null,"N/A",true]
["REKO_premenne","RK_max_tenor","premenne","max_tenor_RK",15,"string",1,"max mozna splatnost reko uveru",-1,null,null,"G",null,15,true]

{"sheet":"REKO_premenne","index":27,"n_rows":125,"n_cols":8,"rows_kept":125,"cut":false,"hidden":true,"merged":[]}
["PARAMETRE","VIAZANÉ BUNKY","POMOCNE PREMENNE","DOPOČÍTANÉ ÚVER","DOPOČÍTANÉ ŽIADATEĽ","DOPOČÍTANÉ PRISTUPITEĽ","POMOCNÉ ŽIADATEĽ","POMOCNÉ PRISTUPITEĽ"]
["druh_uveru_vybrany","ziadatel_kor_adr","pom_REKO_existujuci","RK_max_tenor","pom_chh_ziadatel_prijem","pom_chh_pristupitel_prijem","ziadatel_vek_pri_splatnosti","pristupitel_vek_pri_splatnosti"]
["(mimoriadny) medziúver",{"$f":"pom_ziadatel_kor_adr=ano","v":false},{"$f":"RK_ziadost_predschvaleny=ano","v":false},{"$f":"RK_max_tenor_pom","v":15},{"$f":"OR(AND(RK_ziadatel_prijem_ine<>\"\",RK_ziadatel_prijem_ine_typ<>\"iné\"),RK_ziadatel_prijem_prispevky<>\"\",AND(RK_ziadatel_prijem_dochodok<>\"\",RK_ziadatel_prijem_dochodok_typ<>\"výsluhový\"))","v":false},{"$f":"OR(AND(RK_pristupitel_prijem_ine<>\"\",RK_pristupitel_prijem_ine_typ<>\"iné\"),RK_pristupitel_prijem_prispevky<>\"\",AND(RK_pristupitel_prijem_dochodok<>\"\",RK_pristupitel_prijem_dochodok_typ<>\"výsluhový\"))","v":false},{"$f":"IF(RK_ziadatel_rc=\"\",-1,(DATEDIF(DATE(IF(LEN(RK_ziadatel_rc)=9,1900,IF(VALUE(LEFT(RK_ziadatel_rc,2))>=54,1900,2000))+VALUE(LEFT(RK_ziadatel_rc,2)),IF(VALUE(MID(RK_ziadatel_rc,3,2))>12,VALUE(MID(RK_ziadatel_rc,3,2))-50,VALUE(MID(RK_ziadatel_rc,3,2))),VALUE(MID(RK_ziadatel_rc,5,2))),TODAY()+15,\"m\")+RK_splatnost_MU+RK_splatnost_SU)/12)","v":-1},{"$f":"IF(RK_pristupitel_RC=\"\",-1,(DATEDIF(DATE(IF(LEN(RK_pristupitel_RC)=9,1900,IF(VALUE(LEFT(RK_pristupitel_RC,2))>=54,1900,2000))+VALUE(LEFT(RK_pristupitel_RC,2)),IF(VALUE(MID(RK_pristupitel_RC,3,2))>12,VALUE(MID(RK_pristupitel_RC,3,2))-50,VALUE(MID(RK_pristupitel_RC,3,2))),VALUE(MID(RK_pristupitel_RC,5,2))),TODAY()+15,\"m\")+RK_splatnost_MU+RK_splatnost_SU)/12)","v":-1}]
["min_doba_sporenia","spoluziadatel_kor_adr","REKO_existujuci","RK_splatnost_MU","pom_chh_spoluziadatel_prijem","pom_chh_spolupristupitel_prijem","spoluziadatel_vek_pri_splatnosti","spolupristupitel_vek_pri_splatnosti"]
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["min_HC","pristupitel_kor_adr","pom_risc_band_class_1","RK_splatnost_SU","splatky_limit_DSTI_ziadatel","splatky_limit_DSTI_pristupitel","dochodca_ziadatel","dochodca_pristupitel"]
[7,{"$f":"pom_pristupitel_kor_adr=ano","v":false},{"$f":"RK_ziadost_uvreg=1","v":false},{"$f":"VLOOKUP(RK_ziadost_splatnost,tbl_splatnost,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"SUMIF(RK_ziadatel_zoznam_druh_splatok,\"Prečerpanie BU/limit kredit.karty\",RK_ziadatel_zoznam_splatok)*koef_limit_DSTI","v":0},{"$f":"SUMIF(RK_pristupitel_zoznam_druh_splatok,\"Prečerpanie BU/limit kredit.karty\",RK_pristupitel_zoznam_splatok)*koef_limit_DSTI","v":0},{"$f":"IF(RK_ziadatel_prijem_dochodok<>0,ano,nie)","v":"nie"},{"$f":"IF(RK_pristupitel_prijem_dochodok<>0,ano,nie)","v":"nie"}]
["min_NS_suma","spolupristupitel_kor_adr","pom_risc_band_class_2","hodnotenie_ziadatel_nef_kod","priznane_prijmy_spolu","priznane_prijmy_spolu_pristupitel","dochodca_spoluziadatel","dochodca_spolupristupitel"]
[{"$f":"ROUNDUP(RK_ziadost_vyska_uveru*1,2)","v":0},{"$f":"pom_spolupristupitel_kor_adr=ano","v":false},{"$f":"RK_ziadost_uvreg=2","v":false},null,{"$f":"prijmy_ziadatel_spolu+prijmy_spoludlznik_spolu+prijem_zahr_akceptacia_ziadatel-RK_ziadatel_prijem_diety-RK_spoluziadatel_prijem_diety+IF(RK_ziadatel_prijem_diety>0,MIN(RK_ziadatel_prijem_ZC,RK_ziadatel_prijem_diety*0.4),0)+IF(RK_spoluziadatel_prijem_diety>0,MIN(RK_spoluziadatel_prijem_ZC,RK_spoluziadatel_prijem_diety*0.4),0)","v":0},{"$f":"prijmy_pristupitel_spolu+prijmy_manz_pristupitela_spolu+prijem_zahr_akceptacia_pristupitel-RK_pristupitel_prijem_diety-RK_spolupristupitel_prijem_diety+IF(RK_pristupitel_prijem_diety>0,MIN(RK_pristupitel_prijem_ZC,RK_pristupitel_prijem_diety*0.4),0)+IF(RK_spolupristupitel_prijem_diety>0,MIN(RK_spolupristupitel_prijem_ZC,RK_spolupristupitel_prijem_diety*0.4),0)","v":0},{"$f":"IF(RK_spoluziadatel_prijem_dochodok<>0,ano,nie)","v":"nie"},{"$f":"IF(RK_spolupristupitel_prijem_dochodok<>0,ano,nie)","v":"nie"}]
["RK_sadzba_SU","rk_cm","pom_risc_band_class_3","hodnotenie_ziadatel_nef_value","prijmy_ziadatel_spolu","prijmy_pristupitel_spolu",null,"pristupitel_akceptacny_prijem"]
[0.05,false,{"$f":"RK_ziadost_uvreg=3","v":false},null,{"$f":"prijem_podnikanie_akceptacia_ziadatel*RK_ziadatel_prijem_podn+RK_ziadatel_prijem_ZC+RK_ziadatel_prijem_diety+RK_ziadatel_prijem_dochodok+RK_ziadatel_prijem_prispevky+IF(RK_ziadatel_prijem_ine_typ=\"prenájom\",0.5,1)*RK_ziadatel_prijem_ine","v":0},{"$f":"prijem_podnikanie_akceptacia_pristupitel*RK_pristupitel_prijem_podn+RK_pristupitel_prijem_ZC+RK_pristupitel_prijem_diety+RK_pristupitel_prijem_dochodok+RK_pristupitel_prijem_prispevky+IF(RK_pristupitel_prijem_ine_typ=\"prenájom\",0.5,1)*RK_pristupitel_prijem_ine","v":0},null,{"$f":"prijem_podnikanie_akceptacia_pristupitel*RK_pristupitel_prijem_podn+RK_pristupitel_prijem_ZC+IF(RK_pristupitel_prijem_dochodok_typ=\"výsluhový\",1,0)*RK_pristupitel_prijem_dochodok+IF(RK_pristupitel_prijem_ine_typ=\"doktorand\",1,0)*RK_pristupitel_prijem_ine","v":0}]
["RK_sadzba_MU_zakladna","rk_cm_ine","pom_risc_band_class_4","pocet_ucastnikov","prijmy_spoludlznik_spolu","prijmy_manz_pristupitela_spolu",null,"spolupristupitel_akceptacny_prijem"]
[4.9500000000000002E-2,false,{"$f":"OR(RK_ziadost_uvreg=4,RK_ziadost_uvreg=\"nezáväzná ponuka - s omeškanými splátkami\")","v":false},{"$f":"IF(RK_ziadatel_rc<>\"\",1,0)+IF(RK_spoluziadatel_RC<>\"\",1,0)+IF(RK_pristupitel_RC<>\"\",1,0)+IF(RK_spolupristupitel_RC<>\"\",1,0)","v":0},{"$f":"prijem_podnikanie_akceptacia_spoludlznik*RK_spoluziadatel_prijem_podn+RK_spoluziadatel_prijem_ZC+RK_spoluziadatel_prijem_diety+RK_spoluziadatel_prijem_dochodok+RK_spoluziadatel_prijem_prispevky+IF(RK_spoluziadatel_prijem_ine_typ=\"prenájom\",0.5,1)*RK_spoluziadatel_prijem_ine","v":0},{"$f":"prijem_podnikanie_akceptacia_manz_pristupitela*RK_spolupristupitel_prijem_podn+RK_spolupristupitel_prijem_ZC+RK_spolupristupitel_prijem_diety+RK_spolupristupitel_prijem_dochodok+RK_spolupristupitel_prijem_prispevky+IF(RK_spolupristupitel_prijem_ine_typ=\"prenájom\",0.5,1)*RK_spolupristupitel_prijem_ine","v":0},null,{"$f":"prijem_podnikanie_akceptacia_manz_pristupitela*RK_spolupristupitel_prijem_podn+RK_spolupristupitel_prijem_ZC+IF(RK_spolupristupitel_prijem_dochodok_typ=\"výsluhový\",1,0)*RK_spolupristupitel_prijem_dochodok+IF(RK_spolupristupitel_prijem_ine_typ=\"doktorand\",1,0)*RK_spolupristupitel_prijem_ine","v":0}]
["lehota_pridelenia_CS","ziad_pod_cin","pom_risc_band_class_5","doterajsia_doba_sporenia","prijem_zahr_akceptacia_ziadatel","prijem_zahr_akceptacia_pristupitel"]
[3,{"$f":"RK_ziadatel_podnikanie=ano","v":false},{"$f":"OR(RK_ziadost_uvreg=5,RK_ziadost_uvreg=\"\",RK_ziadost_uvreg=\"nezáväzná ponuka\",RK_ziadost_uvreg=\"nezáväzná ponuka - bez omeškaných splátok\")","v":true},{"$f":"IF(RK_ziadost_povodna_platnost=0,0,DATEDIF(RK_ziadost_povodna_platnost-DAY(RK_ziadost_povodna_platnost),RK_ziadost_datum,\"m\"))","v":0},{"$f":"IF(OR(RK_ziadatel_prijem_ZC_typ=\"v zahraničí\",RK_ziadatel_prijem_ZC_typ=\"v ČR\"),-RK_ziadatel_prijem_ZC*0.15,0)+IF(OR(RK_spoluziadatel_prijem_ZC_typ=\"v zahraničí\",RK_spoluziadatel_prijem_ZC_typ=\"v ČR\"),-RK_spoluziadatel_prijem_ZC*0.15,0)","v":0},{"$f":"IF(OR(RK_pristupitel_prijem_ZC_typ=\"v zahraničí\",RK_pristupitel_prijem_ZC_typ=\"v ČR\"),-RK_pristupitel_prijem_ZC*0.15,0)+IF(OR(RK_spolupristupitel_prijem_ZC_typ=\"v zahraničí\",RK_spolupristupitel_prijem_ZC_typ=\"v ČR\"),-RK_spolupristupitel_prijem_ZC*0.15,0)","v":0}]
["popl_sprava_SS","spoludlznik_pod_cin","pom_risc_band_class_6","trvanie_celkom","disponibilne_zdroje_ziadatel","disponibilne_zdroje_pristupitel"]
[16,{"$f":"RK_spoluziadatel_podnikanie=ano","v":false},{"$f":"OR(RK_ziadost_uvreg=6,RK_ziadost_uvreg=\"nezáväzná ponuka - žiadny úver\")","v":false},{"$f":"RK_ziadost_splatnost*12","v":0},{"$f":"priznane_prijmy_spolu-penazne_zavazky_ziadatel-celkove_naklady_ziadatel+disponibilne_zdroje_pristupitel","v":-126.11999999999999},{"$f":"priznane_prijmy_spolu_pristupitel-penazne_zavazky_pristupitel-celkove_naklady_pristupitel","v":0}]
["popl_vypis_SS","pr_pod_cin","pom_GLOW_environment","HC_prepocitane","penazne_zavazky_ziadatel","penazne_zavazky_pristupitel"]
[3.5,{"$f":"RK_pristupitel_podnikanie=ano","v":false},{"$f":"funDomain()","v":true},{"$f":"ROUND(IF(RK_ziadost_vyska_uveru>0,RK_ziadost_povodna_CS/RK_ziadost_vyska_uveru*RK_ziadost_povodna_HC,0),3)","v":0},{"$f":"pom_ziadatel_zavazky_lizing+pom_ziadatel_zavazky_poistne+pom_ziadatel_zavazky_SS+pom_ziadatel_zavazky_ine+pom_ziadatel_zavazky_uvery+pom_ziadatel_zavazky_KK*koef_limit_NBS","v":0},{"$f":"pom_pristupitel_zavazky_lizing+pom_pristupitel_zavazky_poistne+pom_pristupitel_zavazky_SS+pom_pristupitel_zavazky_ine+pom_pristupitel_zavazky_uvery+pom_pristupitel_zavazky_KK*koef_limit_NBS","v":0}]
["popl_vypis_MU","manz_pr_pod_cin","pom_GLOW_username","RISK_BAND","celkove_naklady_ziadatel","celkove_naklady_pristupitel"]
[2.5,{"$f":"RK_spolupristupitel_podnikanie=ano","v":false},{"$f":"funLogin()","v":"JE07377"},{"$f":"pom_risk_band","v":"L"},{"$f":"min_vydavky_ziadatel+RK_ziadatel_vyzivne+koef_rezerva_buffer*(priznane_prijmy_spolu-min_vydavky_ziadatel-RK_ziadatel_vyzivne)","v":126.11999999999999},{"$f":"IF(AND(RK_pristupitel_RC=\"\",RK_spolupristupitel_RC=\"\"),0,min_vydavky_pristupitel+RK_pristupitel_vyzivne+koef_rezerva_buffer*(priznane_prijmy_spolu_pristupitel-min_vydavky_pristupitel-RK_pristupitel_vyzivne))","v":0}]
["popl_vypis_SU","ziad_kor_1","pom_prijem_spolu","RK_prirazka_riziko","min_vydavky_ziadatel","min_vydavky_pristupitel"]
[2.5,{"$f":"pom_ziadatel_kor_adr=ano","v":false},{"$f":"priznane_prijmy_spolu + priznane_prijmy_spolu_pristupitel","v":0},{"$f":"VLOOKUP(risk_band,tab_prirazka_riziko,2,FALSE)","v":0.02},{"$f":"par_vydavky_ziadatel+IF(AND(RK_ziadatel_pocet_clenov_doma>=2,RK_ziadatel_pocet_clenov_doma-RK_ziadatel_deti>1),par_vydavky_partner,0)+RK_ziadatel_deti*par_vydavky_dieta","v":210.2},{"$f":"IF(AND(RK_pristupitel_RC=\"\",RK_spolupristupitel_RC=\"\"),0,par_vydavky_ziadatel+IF(AND(RK_pristupitel_pocet_clenov_doma>=2,RK_pristupitel_pocet_clenov_doma-RK_pristupitel_deti>1),par_vydavky_partner,0)+RK_pristupitel_deti*par_vydavky_dieta)","v":0}]
["urok_sporenie","ziad_kor_2","RK_sadzba_KM","RK_sadzba_final","pom_ziadatel_zavazky_lizing","pom_pristupitel_zavazky_lizing"]
[1E-3,{"$f":"pom_spoluziadatel_kor_adr=ano","v":false},{"$f":"pom_sadzba_KM","v":5.5E-2},{"$f":"pom_sadzba_final","v":5.5E-2},{"$f":"SUMIF(RK_ziadatel_zoznam_druh_splatok,\"Lízing\",RK_ziadatel_zoznam_splatok)","v":0},{"$f":"SUMIF(RK_pristupitel_zoznam_druh_splatok,\"Lízing\",RK_pristupitel_zoznam_splatok)","v":0}]
["popl_spracovanie","pr_kor_1","RK_DSTI_limit","NS_prepocitana","pom_ziadatel_zavazky_poistne","pom_pristupitel_zavazky_poistne"]
[{"$f":"IF(p_REKO_kampan,0,IF((RK_ziadost_vyska_uveru*1.1%)<49,49,IF((RK_ziadost_vyska_uveru*1.1%)>1399,1399,RK_ziadost_vyska_uveru*1.1%)))","v":0},{"$f":"pom_pristupitel_kor_adr=ano","v":false},{"$f":"pom_dsti_limit","v":0.55000000000000004},{"$f":"ROUND(SUM(RK_ziadost_povodna_NS,IF(OR(typ_zmluvy,RK_ziadost_povodna_ts=RK_ziadost_ts),0,IF(AND(DATEDIF(RK_ziadost_povodna_platnost,TODAY(),\"y\")>=6,RK_ziadost_povodna_platnost<>0),-za_ZTS,-za_ZTS/2)),-IF(RK_ziadost_povodna_CS=\"\",0,IF(RK_ziadost_povodna_CS>RK_ziadost_vyska_uveru,(RK_ziadost_povodna_CS-RK_ziadost_vyska_uveru)*za_znizenie_CS,IF(RK_ziadost_povodna_CS<RK_ziadost_vyska_uveru,za_zvysenie_CS,0)))),2)","v":0},{"$f":"SUMIF(RK_ziadatel_zoznam_druh_splatok,\"Poistné\",RK_ziadatel_zoznam_splatok)","v":0},{"$f":"SUMIF(RK_pristupitel_zoznam_druh_splatok,\"Poistné\",RK_pristupitel_zoznam_splatok)","v":0}]
["za_ZTS","pr_kor_2","typ_zmluvy","RK_MU_splatka_sporenie","pom_ziadatel_zavazky_SS","pom_pristupitel_zavazky_SS"]
[150,{"$f":"pom_spolupristupitel_kor_adr=ano","v":false},{"$f":"RK_ziadost_na=nova_zmluva","v":true},{"$f":"ROUND(RK_ziadost_vyska_uveru*RK_MU_pridelenie_percento/RK_splatnost_MU,2)","v":{"$error":"#N/A"}},{"$f":"SUMIF(RK_ziadatel_zoznam_druh_splatok,\"Vklad stavebného sporenia\",RK_ziadatel_zoznam_splatok)","v":0},{"$f":"SUMIF(RK_pristupitel_zoznam_druh_splatok,\"Vklad stavebného sporenia\",RK_pristupitel_zoznam_splatok)","v":0}]
["za_zvysenie_CS","print_preview","p_empty","RK_MU_splatka_uroky","pom_ziadatel_zavazky_ine","pom_pristupitel_zavazky_ine"]
[12,false,{"$f":"AND(RK_ziadost_vyska_uveru<>\"\",p_REKO)","v":false},{"$f":"ROUND(RK_ziadost_vyska_uveru*RK_sadzba_final*365/360/12,2)+RK_vypisMU_mesacne","v":{"$error":"#N/A"}},{"$f":"SUMIF(RK_ziadatel_zoznam_druh_splatok,\"Iné výdavky\",RK_ziadatel_zoznam_splatok)","v":0},{"$f":"SUMIF(RK_pristupitel_zoznam_druh_splatok,\"Iné výdavky\",RK_pristupitel_zoznam_splatok)","v":0}]
["za_znizenie_CS","teritorium","p_REKO","RK_sprava_SS_mesacne","pom_ziadatel_zavazky_uvery","pom_pristupitel_zavazky_uvery"]
[{"$f":"IF(AND(DATEDIF(RK_ziadost_povodna_platnost,RK_ziadost_datum,\"y\")>=6,RK_ziadost_povodna_platnost<>0),0,IF(AND(DATEDIF(RK_ziadost_povodna_platnost,RK_ziadost_datum,\"y\")>=4,RK_ziadost_povodna_platnost<>0),0.5%,IF(AND(DATEDIF(RK_ziadost_povodna_platnost,RK_ziadost_datum,\"y\")>=2,RK_ziadost_povodna_platnost<>0),1%,1.5%)))","v":1.4999999999999999E-2},{"$f":"IF(p_KP_CSOB,\"KP ČSOB\",IF(p_akv_tip,IF(RK_FA_provcis=14150819,\"OVB tiper KP ČSOB\",\"EDS tiper KP ČSOB\"),IF(p_kompletne,IF(RK_FA_provcis=14150819,\"OVB\",\"EDS\"),\"\")))","v":""},true,{"$f":"popl_sprava_SS*(RK_splatnost_MU+12)/RK_splatnost_MU/12","v":{"$error":"#N/A"}},{"$f":"(SUMIF(RK_ziadatel_zoznam_druh_splatok,\"Splátkové spoločnosti\",RK_ziadatel_zoznam_splatok)+SUMIF(RK_ziadatel_zoznam_druh_splatok,\"Úver - banka/sporiteľňa\",RK_ziadatel_zoznam_splatok))*1.1","v":0},{"$f":"(SUMIF(RK_pristupitel_zoznam_druh_splatok,\"Splátkové spoločnosti\",RK_pristupitel_zoznam_splatok)+SUMIF(RK_pristupitel_zoznam_druh_splatok,\"Úver - banka/sporiteľňa\",RK_pristupitel_zoznam_splatok))*1.1","v":0}]
["koef_percento_KK_KTK","poradca_meno","p_zadaj_ucely","RK_vypis_mesacne","pom_ziadatel_zavazky_KK","pom_pristupitel_zavazky_KK"]
[0.2,{"$f":"IF(OR(p_KP_CSOB,p_akv_tip),KP_meno,IF(p_kompletne,RK_FA_meno,\"\"))","v":""},{"$f":"NOT(OR(ine_ucely_zadane,modernizacia_zadane,nadobudnutie_vlastnictva_zadane))","v":true},{"$f":"IF(RK_ziadost_vypis=\"e-mailom\",0,popl_vypis_SS*(RK_splatnost_MU+12)/RK_splatnost_MU/12)","v":{"$error":"#N/A"}},{"$f":"SUMIF(RK_ziadatel_zoznam_druh_splatok,\"Prečerpanie BU/limit kredit.karty\",RK_ziadatel_zoznam_splatok)","v":0},{"$f":"SUMIF(RK_pristupitel_zoznam_druh_splatok,\"Prečerpanie BU/limit kredit.karty\",RK_pristupitel_zoznam_splatok)","v":0}]
["koef_rezerva_buffer","poradca_priezvisko","spotrebitelsky_ucel","RK_vypisMU_mesacne","pom_ziadatel_zostatky_uvery","pom_pristupitel_zostatky_uvery"]
[0.4,{"$f":"IF(OR(p_KP_CSOB,p_akv_tip),KP_priezvisko,IF(p_kompletne,RK_FA_priezvisko,\"\"))","v":""},null,{"$f":"IF(RK_ziadost_vypis=\"e-mailom\",0,popl_vypis_MU*(RK_splatnost_MU+12)/RK_splatnost_MU/12)","v":{"$error":"#N/A"}},{"$f":"SUMIF(RK_ziadatel_zoznam_druh_splatok,\"Úver - banka/sporiteľňa\",RK_zoznam_zostatok_ziadatel)","v":0},{"$f":"SUMIF(RK_pristupitel_zoznam_druh_splatok,\"Úver - banka/sporiteľňa\",RK_zoznam_zostatok_pristupitel)","v":0}]
["min_fin_rezerva_percento","poradca_titul","uver_vzz","RK_vypisSU_mesacne","pom_ziadatel_zostatky_SS","pom_pristupitel_zostatky_SS"]
[0.2,{"$f":"IF(OR(p_KP_CSOB,p_akv_tip),TRIM(KP_titul_pred & IF(AND(KP_titul_pred<>\"\",KP_titul_za<>\"\"),\", \",\"\") & KP_titul_za),IF(p_kompletne,TRIM(RK_FA_titul_pred & IF(AND(RK_FA_titul_pred<>\"\",RK_FA_titul_za<>\"\"),\", \",\"\") & RK_FA_titul_za),\"\"))","v":""},{"$f":"IF(spotrebitelsky_ucel=\"\",FALSE,IF(spotrebitelsky_ucel,FALSE,TRUE))","v":false},{"$f":"IF(RK_ziadost_vypis=\"e-mailom\",0,popl_vypis_SU*(RK_splatnost_SU+12)/RK_splatnost_SU/12)","v":{"$error":"#N/A"}},{"$f":"SUMIF(RK_ziadatel_zoznam_druh_splatok,\"Splátkové spoločnosti\",RK_zoznam_zostatok_ziadatel)","v":0},{"$f":"SUMIF(RK_pristupitel_zoznam_druh_splatok,\"Splátkové spoločnosti\",RK_zoznam_zostatok_pristupitel)","v":0}]
["koef_limit_DSTI","poradca_adr1","generovanie","RK_MU_splatka","pom_ziadatel_zostatky_KK","pom_pristupitel_zostatky_KK"]
[0.05,{"$f":"IF(OR(p_KP_CSOB,p_akv_tip),TRIM(MID(SUBSTITUTE(KP_pobocka,\"-\",REPT(\" \",255)),2*255,255)),IF(p_kompletne,IF(RK_FA_ulica=\"\",\"\",RK_FA_ulica),\"\"))","v":""},{"$f":"IF(OR(XML_generovanie=0,export_bez_zmeny=FALSE),NOW(),XML_generovanie)","v":"2020-02-24T13:03:14.600"},{"$f":"RK_MU_splatka_sporenie+RK_MU_splatka_uroky-RK_ziadost_SP_vyska+RK_sprava_SS_mesacne+popl_spracovanie/RK_splatnost_MU+RK_vypis_mesacne+RK_vypisMU_mesacne","v":{"$error":"#N/A"}},{"$f":"SUMIF(RK_ziadatel_zoznam_druh_splatok,\"Prečerpanie BU/limit kredit.karty\",RK_zoznam_zostatok_ziadatel)","v":0},{"$f":"SUMIF(RK_pristupitel_zoznam_druh_splatok,\"Prečerpanie BU/limit kredit.karty\",RK_zoznam_zostatok_pristupitel)","v":0}]
["koef_limit_NBS","poradca_adr2","XML_generovanie","RK_MU_NS_celkom","pom_ziadatel_zostatky_lizing","pom_pristupitel_zostatky_lizing"]
[0.03,{"$f":"IF(OR(p_KP_CSOB,p_akv_tip),RK_miesto,IF(p_kompletne,IF(RK_FA_mesto=\"\",\"\",RK_FA_mesto),\"\"))","v":""},null,{"$f":"ROUND(FV(urok_sporenie/12,RK_splatnost_MU,-RK_MU_splatka_sporenie),2)-popl_spracovanie","v":{"$error":"#N/A"}},{"$f":"SUMIF(RK_ziadatel_zoznam_druh_splatok,\"Lízing\",RK_zoznam_zostatok_ziadatel)","v":0},{"$f":"SUMIF(RK_pristupitel_zoznam_druh_splatok,\"Lízing\",RK_zoznam_zostatok_pristupitel)","v":0}]
["par_vydavky_ziadatel","poradca_cislo","XML_filename","RK_MU_NS_min","zostatok_exist_uverov_ziadatel","zostatok_exist_uverov_pristupitel"]
[210.2,{"$f":"IF(OR(p_KP_CSOB,p_akv_tip),KP_provcis,IF(p_kompletne,RK_FA_id_agent,\"\"))","v":""},null,{"$f":"ROUND(FV(urok_sporenie/12,RK_splatnost_MU-lehota_pridelenia_CS,-RK_MU_splatka_sporenie),2)","v":{"$error":"#N/A"}},{"$f":"pom_ziadatel_zostatky_uvery+pom_ziadatel_zostatky_SS+pom_ziadatel_zostatky_KK+pom_ziadatel_zostatky_lizing","v":0},{"$f":"pom_pristupitel_zostatky_KK+pom_pristupitel_zostatky_SS+pom_pristupitel_zostatky_uvery+pom_pristupitel_zostatky_lizing","v":0}]
["par_vydavky_partner","poradca_cislo_registracne","p_pomocka","RK_MU_HC_pri_prideleni","perc_necerpane_KTK_KK_ziadatel","perc_necerpane_KTK_KK_pristupitel"]
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["par_vydavky_dieta","poradca_cislo_maklera","p_KP_CSOB","RK_MU_NS_min_percento","celkova_zadlzenost_ziadatel"]
[95.96,{"$f":"IF(OR(p_KP_CSOB,p_akv_tip),\"\",IF(p_kompletne,RK_FA_provcis,\"\"))","v":""},{"$f":"RK_ziadost_spracovanie=list_EDS_spracovanie_KP","v":false},{"$f":"ROUND(RK_MU_NS_min/RK_ziadost_vyska_uveru,4)","v":{"$error":"#N/A"}},{"$f":"RK_ziadost_vyska_uveru+zostatok_exist_uverov_ziadatel+zostatok_exist_uverov_pristupitel+perc_necerpane_KTK_KK_ziadatel+perc_necerpane_KTK_KK_pristupitel","v":0}]
["sadzba_poistenia","poradca_cislo_maklera_nazov","p_akv_tip","RK_MU_pridelenie_percento","financny_ukazovatel_ziadatel"]
[{"$f":"IF(OR(RK_ziadost_poistenie=\"bez poistenia\",RK_ziadost_poistenie=\"\"),0,VLOOKUP(RK_ziadost_poistenie,tab_sadzba_poistneho,2,FALSE))","v":0},{"$f":"IF(OR(p_KP_CSOB,p_akv_tip),\"\",IF(p_kompletne,RK_FA_nazov_spol,\"\"))","v":""},{"$f":"RK_ziadost_spracovanie=list_EDS_spracovanie_tiper","v":false},0.52302614968440031,{"$f":"(rozhodujuca_splatka+penazne_zavazky_ziadatel+penazne_zavazky_pristupitel)/(priznane_prijmy_spolu+priznane_prijmy_spolu_pristupitel-celkove_naklady_ziadatel-celkove_naklady_pristupitel)","v":{"$error":"#N/A"}}]
["koeficient_rezerva_splatky","poradca_telefon","p_kompletne","RK_ziadost_check_splatky","hodnotenie_ziadatel_kod"]
[0.02,{"$f":"IF(OR(p_KP_CSOB,p_akv_tip),KP_tel,IF(p_kompletne,RK_FA_tel,\"\"))","v":""},{"$f":"RK_ziadost_spracovanie=list_EDS_spracovanie_komplet","v":false},{"$f":"IF(ABS(ROUND(RK_MU_splatka-RK_SU_splatka,2))<0.5,0.5,ABS(ROUND(RK_MU_splatka-RK_SU_splatka,2)))","v":{"$error":"#N/A"}},{"$f":"funFinancneHodnotenie(financny_ukazovatel_ziadatel)","v":"A"}]
["par_pridavok_dieta","poradca_email","p_spoluziadatel","real_RK_ziadost_check_splatky","financny_ukazovatel_ziadatel_rezerva"]
[24.95,{"$f":"IF(OR(p_KP_CSOB,p_akv_tip),KP_mail,IF(p_kompletne,RK_FA_mail,\"\"))","v":""},{"$f":"OR(RK_ziadatel_rodinny_stav=\"ženatý/vydatá\",RK_ziadatel_rodinny_stav=\"ženatý/vydatá rozdielne priezviská\",RK_ziadatel_rodinny_stav=\"druh/družka\")","v":false},{"$f":"ROUND(RK_MU_splatka-RK_SU_splatka,2)","v":{"$error":"#N/A"}},{"$f":"IF(AND(hodnotenie_ziadatel_kod=\"F\",fin_rezerva_percento>=min_fin_rezerva_percento),1,financny_ukazovatel_ziadatel)","v":{"$error":"#N/A"}}]
["RK_cislo_zmluvy","makler_meno","p_pristupitel","RK_SU_vyska","DSTI"]
[null,{"$f":"IF(p_akv_tip,RK_FA_meno,\"\")","v":""},false,{"$f":"RK_ziadost_vyska_uveru-RK_MU_NS_celkom","v":{"$error":"#N/A"}},{"$f":"(SUM(RK_ziadatel_zoznam_splatok)-pom_ziadatel_zavazky_KK+SUM(RK_pristupitel_zoznam_splatok)-pom_pristupitel_zavazky_KK+splatky_limit_DSTI_ziadatel+splatky_limit_DSTI_pristupitel+MAX(RK_MU_splatka,RK_SU_splatka))/(priznane_prijmy_spolu+priznane_prijmy_spolu_pristupitel)","v":{"$error":"#N/A"}}]
["XML_typ","makler_priezvisko","p_spolupristupitel","RK_SU_splatka","DSTI_limit"]
[null,{"$f":"IF(p_akv_tip,RK_FA_priezvisko,\"\")","v":""},{"$f":"OR(RK_pristupitel_rodinny_stav=\"ženatý/vydatá\",RK_pristupitel_rodinny_stav=\"ženatý/vydatá rozdielne priezviská\")","v":false},{"$f":"ROUND(PMT(RK_sadzba_SU/12,RK_splatnost_SU,-RK_SU_vyska,0),2)+RK_vypisSU_mesacne","v":{"$error":"#N/A"}},{"$f":"pom_dsti_limit","v":0.55000000000000004}]
["verzia_ID","makler_titul","poc_clenov_s_prijmom_ziadatel","RK_MUSU_splatka_pom","DTI"]
["AMU_REKO",{"$f":"IF(p_akv_tip,TRIM(RK_FA_titul_pred & IF(AND(RK_FA_titul_pred<>\"\",RK_FA_titul_za<>\"\"),\", \",\"\") & RK_FA_titul_za),\"\")","v":""},{"$f":"IF(AND(prijmy_ziadatel_spolu>0,RK_ziadatel_rc<>\"\"),1,0)+IF(AND(prijmy_spoludlznik_spolu>0,RK_spoluziadatel_RC<>\"\"),1,0)","v":0},{"$f":"MAX(RK_MU_splatka_final,RK_SU_splatka_final)","v":{"$error":"#N/A"}},{"$f":"celkova_zadlzenost_ziadatel/((priznane_prijmy_spolu+priznane_prijmy_spolu_pristupitel)*12)","v":{"$error":"#DIV/0!"}}]
["verzia_RK","makler_cislo","but_pristupitel_caption","RK_MU_splatka_final","LTI"]
["32.2",{"$f":"IF(p_akv_tip,RK_FA_id_agent,\"\")","v":""},{"$f":"IF(p_pristupitel,\"ZRUŠ SPOLUŽIADATEĽA 2\",\"PRIDAJ SPOLUŽIADATEĽA 2\")","v":"PRIDAJ SPOLUŽIADATEĽA 2"},{"$f":"RK_MU_splatka","v":{"$error":"#N/A"}},{"$f":"(SUM(RK_zoznam_zostatok_pristupitel,RK_zoznam_zostatok_ziadatel)+RK_ziadost_vyska_uveru)/((priznane_prijmy_spolu+priznane_prijmy_spolu_pristupitel)*12)","v":{"$error":"#DIV/0!"}}]
["verzia_date","makler_cislo_registracne","pom_pole","RK_SU_splatka_final","fin_rezerva_percento"]
["15.02.2020",{"$f":"IF(p_akv_tip,RK_FA_regcis_NBS,\"\")","v":""},{"$f":"CELL(\"address\",INDEX(REKO_chyb_hlasky!A3:B310,MATCH(TRUE,REKO_chyb_hlasky!B3:B310,0),1))","v":"'[Kalkulačka úverov stavebnej sporiteľne_20200224_EXT.xlsm]REKO_chyb_hlasky'!$A$3"},{"$f":"RK_SU_splatka","v":{"$error":"#N/A"}},{"$f":"IFERROR(1-((rozhodujuca_splatka+penazne_zavazky_ziadatel+penazne_zavazky_pristupitel)/(priznane_prijmy_spolu-min_vydavky_ziadatel-RK_ziadatel_vyzivne+priznane_prijmy_spolu_pristupitel-min_vydavky_pristupitel-RK_pristupitel_vyzivne)),0)","v":0}]
["verzia_typ","makler_cislo_maklera",{"$f":"FIND(\"!\",C65)","v":77},"hodnotenie_ziadatel_text_celk"]
["EDS",{"$f":"IF(p_akv_tip,RK_FA_provcis,\"\")","v":""},{"$f":"IFERROR(INDIRECT(\"REKO_chyb_hlasky!\"&RIGHT(C65,LEN(C65)-C66)),\"\")","v":"RK_ziadost_spracovanie"},{"$f":"IF(OR(ISERROR(hodnotenie_ziadatel_text),hodnotenie_ziadatel_text=\"NEVYHOVUJE\",hodnotenie_ziadatel_DSTI_celk=\"nevyhovuje\",ISERROR(hodnotenie_ziadatel_DSTI_celk),hodnotenie_ziadatel_nef_kod=\"N/A\",ISERROR(hodnotenie_ziadatel_nef_kod),AND(financny_ukazovatel_ziadatel>0.9,financny_ukazovatel_ziadatel<=1,hodnotenie_ziadatel_nef_kod=\"E\")),\"NEVYHOVUJE\",IF(hodnotenie_ziadatel_text=\"INDIVIDUÁLNE POSÚDENIE\",\"INDIVIDUÁLNE POSÚDENIE\",\"VYHOVUJE\"))","v":{"$error":"#N/A"}}]
["verzia_skoring","makler_cislo_maklera_nazov","RK_uv_angaz_podmienka","hodnotenie_ziadatel_text"]
["2.3",{"$f":"IF(p_akv_tip,RK_FA_nazov_spol,\"\")","v":""},{"$f":"(RK_ziadost_vyska_uveru+RK_ziadost_uverova_angazovanost)>35000","v":false},{"$f":"IF(OR(financny_ukazovatel_ziadatel<0,AND(financny_ukazovatel_ziadatel>1,fin_rezerva_percento<min_fin_rezerva_percento)),\"NEVYHOVUJE\",IF(AND(financny_ukazovatel_ziadatel>1,fin_rezerva_percento>=min_fin_rezerva_percento),\"INDIVIDUÁLNE POSÚDENIE\",\"VYHOVUJE\"))","v":{"$error":"#N/A"}}]
["typ_zmluvy_text","makler_telefon","p_zoz_ine_banky_count","hodnotenie_ziadatel_DSTI_celk"]
["MU_N",{"$f":"IF(p_akv_tip,RK_FA_tel,\"\")","v":""},{"$f":"COUNTIF(refin_institucia,zoz_ine_banky)>0","v":false},{"$f":"IF(ISERROR(DSTI),\"nevyhovuje\",IF(OR(DSTI>DSTI_limit,priznane_prijmy_spolu+priznane_prijmy_spolu_pristupitel=0),\"nevyhovuje\",\"vyhovuje\"))","v":"nevyhovuje"}]
["podmienka_vek","makler_email","podmienka_topup_refinanc","rozhodujuca_splatka"]
[65,{"$f":"IF(p_akv_tip,RK_FA_mail,\"\")","v":""},{"$f":"AND(COUNTIF(refin_institucia,zoz_ine_banky)>0,RK_ziadost_vyska_uveru<refin_suma_vyska_uveru_povo+3000)","v":false},{"$f":"MAX(virtualna_splatka_MU+RK_MU_splatka_sporenie+virtualne_poistne_MU+IF(D55>0,D55,0),RK_SU_splatka+RK_poistne_SU+IF(D55<0,0,ABS(D55)))","v":{"$error":"#N/A"}}]
["p_REKO_kampan","zmluva_2","RK_pocet_ucastnikov","virtualna_splatka_MU"]
[{"$f":"AND(p_REKO,RK_ziadost_datum>=DATE(2018,9,17),RK_ziadost_datum<=DATE(2020,5,15))","v":true},{"$f":"AND(RK_ziadost_kombinacia=ano,RK_ziadost_zmluva1<>\"\")","v":false},{"$f":"IF(RK_ziadatel_rc<>\"\",1,0)+IF(RK_spoluziadatel_RC<>\"\",1,0)+IF(RK_pristupitel_RC<>\"\",1,0)+IF(RK_spolupristupitel_RC<>\"\",1,0)","v":0},{"$f":"ROUND(RK_ziadost_vyska_uveru*(RK_sadzba_final+IF(RK_ziadost_zlava_1=\"\",0,RK_ziadost_zlava_1)+IF(RK_ziadost_zlava_2=\"\",0,RK_ziadost_zlava_2)+koeficient_rezerva_splatky)*365/360/12+popl_vypis_MU/12,2)","v":0.21}]
["p_REKO_sutaz","zaslanie_uv_dok","kontrola_pocet_castnikov","virtualne_poistne_MU"]
[{"$f":"AND(p_REKO,RK_ziadost_datum>=DATE(2018,9,17),RK_ziadost_datum<=DATE(2018,11,30))","v":false},"e-mail",{"$f":"VALUE(LEFT(RK_ziadost_pocet_ucastnikov,1))<>RK_pocet_ucastnikov","v":{"$error":"#VALUE!"}},{"$f":"ROUND(virtualna_splatka_MU*sadzba_poistenia,2)","v":0}]
["footer_left","zoznamy_suhlas3","kontrola_ICO_ziadatel_1","RK_poistne_MU"]
[{"$f":"verzia_ID & \"_\" & TEXT(verzia_date,\"yyyymmdd\") & \"v\" & verzia_RK","v":"AMU_REKO_20200215v32.2"},{"$f":"RK_ziadost_prevzatie=\"osobne v listinnej podobe\"","v":false},{"$f":"funOverRC_ICO(RK_ziadatel_ICO)=1","v":false},{"$f":"ROUND(RK_MU_splatka_uroky*sadzba_poistenia,2)","v":{"$error":"#N/A"}}]
["footer_center","zoznamy_suhlas4","kontrola_ICO_ziadatel_2","RK_poistne_SU"]
["&[Page]/&[Pages]",{"$f":"RK_ziadost_prevzatie=\"zaslaním elektronickou poštou na e-mail uvedený v časti údaje o žiadateľovi\"","v":false},{"$f":"funOverRC_ICO(RK_ziadatel_zamestnavatel_ICO)=1","v":false},{"$f":"ROUND(RK_SU_splatka*sadzba_poistenia,2)","v":{"$error":"#N/A"}}]
["footer_right",null,"kontrola_ICO_spoluziadatel_1","RK_ziadost_zaplatene_spolu"]
[{"$f":"TEXT(XML_generovanie,\"YYYY-MM-DD HH:MM:SS\")","v":"1900-01-00 00:00:00"},null,{"$f":"funOverRC_ICO(RK_spoluziadatel_ICO)=1","v":false},{"$f":"RK_ziadost_zaplatene_MU+RK_ziadost_zaplatene_SU","v":{"$error":"#N/A"}}]
["p_REKO_akcia",null,"kontrola_ICO_spoluziadatel_2","RK_ziadost_zaplatene_SU"]
[{"$f":"AND(RK_ziadost_datum>=DATE(2019,7,1),RK_ziadost_datum<=DATE(2020,5,15))","v":true},null,{"$f":"funOverRC_ICO(RK_spoluziadatel_zamestnavatel_ICO)=1","v":false},{"$f":"RK_splatnost_SU*RK_SU_splatka+RK_poistne_SU*RK_splatnost_SU","v":{"$error":"#N/A"}}]
["p_prepocitane",null,"kontrola_ICO_pristupitel_1","RK_ziadost_zaplatene_MU"]
[false,null,{"$f":"funOverRC_ICO(RK_pristupitel_ICO)=1","v":false},{"$f":"RK_splatnost_MU*RK_MU_splatka-RK_ziadost_SP_vyska_spolu+RK_poistne_MU*RK_splatnost_MU","v":{"$error":"#N/A"}}]
["p_prepocet_reftime",null,"kontrola_ICO_pristupitel_2","RK_ziadost_preplatenie"]
[null,null,{"$f":"funOverRC_ICO(RK_pristupitel_zamestnavatel_ICO)=1","v":false},{"$f":"RK_ziadost_zaplatene_spolu-min_NS_suma","v":{"$error":"#N/A"}}]
["provizia_spotrebitelsky",null,"kontrola_ICO_spolupristupitel_1","RK_ziadost_SP_vyska"]
[1.4999999999999999E-2,null,{"$f":"funOverRC_ICO(RK_spolupristupitel_ICO)=1","v":false},{"$f":"IF(RK_ziadost_sp=\"áno\",ROUND(RK_ziadost_SP_podmienka,2),0)","v":0}]
[null,null,"kontrola_ICO_spolupristupitel_2","RK_ziadost_SP_vyska_spolu"]
[null,null,{"$f":"funOverRC_ICO(RK_spolupristupitel_zamestnavatel_ICO)=1","v":false},{"$f":"RK_ziadost_SP_vyska*RK_splatnost_MU","v":{"$error":"#N/A"}}]
[null,null,"RK_cm_kurz","RK_ziadost_SP_mesacne"]
[null,null,{"$f":"VLOOKUP(RK_cm_mena,cis_prijem_mena_kurz,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"RK_ziadost_SP_vyska_spolu/trvanie_celkom","v":{"$error":"#N/A"}}]
[null,null,"RK_cudzia_mena_ziadatel","RK_ziadost_SP_podmienka"]
[null,null,{"$f":"OR(RK_ziadatel_stat=\"ČR\",RK_ziadatel_stat=\"Švajčiarsko\",RK_ziadatel_stat=\"Veľká Británia\",RK_ziadatel_prijem_ZC_typ=\"v ČR\",RK_ziadatel_prijem_zahr_mena=\"libra\",RK_ziadatel_prijem_zahr_mena=\"švajčiarsky frank\",RK_ziadatel_prijem_zahr_mena=\"poľský zlotý\",RK_ziadatel_prijem_zahr_mena=\"maďarský forint\")","v":false},{"$f":"IF((RK_MU_splatka_sporenie*0.05)>(66.38/12),66.38/12,RK_MU_splatka_sporenie*0.05)","v":{"$error":"#N/A"}}]
[null,null,"RK_cudzia_mena_spoluziadatel","RPMN_MU"]
[null,null,{"$f":"OR(RK_spoluziadatel_stat=\"ČR\",RK_spoluziadatel_stat=\"Švajčiarsko\",RK_spoluziadatel_stat=\"Veľká Británia\",RK_spoluziadatel_prijem_ZC_typ=\"v ČR\",RK_spoluziadatel_prijem_zahr_mena=\"libra\",RK_spoluziadatel_prijem_zahr_mena=\"švajčiarsky frank\",RK_spoluziadatel_prijem_zahr_mena=\"poľský zlotý\",RK_spoluziadatel_prijem_zahr_mena=\"maďarský forint\")","v":false},{"$f":"RK_RPMN_MU","v":0}]
[null,null,"RK_cudzia_mena_pristupitel","RPMN_SU"]
[null,null,{"$f":"OR(RK_pristupitel_stat=\"ČR\",RK_pristupitel_stat=\"Švajčiarsko\",RK_pristupitel_stat=\"Veľká Británia\",RK_pristupitel_prijem_ZC_typ=\"v ČR\",RK_pristupitel_prijem_zahr_mena=\"libra\",RK_pristupitel_prijem_zahr_mena=\"švajčiarsky frank\",RK_pristupitel_prijem_zahr_mena=\"poľský zlotý\",RK_pristupitel_prijem_zahr_mena=\"maďarský forint\")","v":false},{"$f":"RK_RPMN_SU","v":0}]
[null,null,"RK_cudzia_mena_spolupristupitel","odplata_MU"]
[null,null,{"$f":"OR(RK_spolupristupitel_stat=\"ČR\",RK_spolupristupitel_stat=\"Švajčiarsko\",RK_spolupristupitel_stat=\"Veľká Británia\",RK_spolupristupitel_prijem_ZC_typ=\"v ČR\",RK_spolupristupitel_prijem_zahr_mena=\"libra\",RK_spolupristupitel_prijem_zahr_mena=\"švajčiarsky frank\",RK_spolupristupitel_prijem_zahr_mena=\"poľský zlotý\",RK_spolupristupitel_prijem_zahr_mena=\"maďarský forint\")","v":false},{"$f":"RK_sadzba_final+((popl_spracovanie+popl_vypis_MU*(RK_splatnost_MU/12+1))/min_NS_suma)","v":{"$error":"#N/A"}}]
[null,null,"RK_cudzia_mena_podmienka","odplata_SU"]
[null,null,{"$f":"AND(spotrebitelsky_ucel=FALSE,OR(RK_cudzia_mena_ziadatel,RK_cudzia_mena_spoluziadatel,RK_cudzia_mena_pristupitel,RK_cudzia_mena_spolupristupitel))","v":false},{"$f":"RK_sadzba_SU+(popl_vypis_SU*RK_splatnost_SU/12+1)/RK_SU_vyska","v":{"$error":"#N/A"}}]
[null,null,"RK_cudzia_mena_nevyhovuje"]
[null,null,{"$f":"AND(spotrebitelsky_ucel=FALSE,OR(AND(RK_cudzia_mena_podmienka,rk_cm_ine),RK_ziadatel_stat=\"ostatné\",RK_spoluziadatel_stat=\"ostatné\",RK_pristupitel_stat=\"ostatné\",RK_spolupristupitel_stat=\"ostatné\",RK_ziadatel_prijem_zahr_mena=\"iné\",RK_spoluziadatel_prijem_zahr_mena=\"iné\",RK_pristupitel_prijem_zahr_mena=\"iné\",RK_spolupristupitel_prijem_zahr_mena=\"iné\"))","v":false}]
[null,null,"RK_miesto"]
[null,null,{"$f":"IF(p_kompletne,IF(RK_FA_miesto=\"\",\"\",RK_FA_miesto),TRIM(MID(SUBSTITUTE(KP_pobocka,\"-\",REPT(\" \",255)),255,255)))","v":""}]
[null,null,"PEO_ziadatel"]
[null,null,{"$f":"RK_ziadatel_PEO=ano","v":false}]
[null,null,"PEO_spoluziadatel"]
[null,null,{"$f":"RK_spoluziadatel_PEO=ano","v":false}]
[null,null,"PEO_pristupitel"]
[null,null,{"$f":"RK_pristupitel_PEO=ano","v":false}]
[null,null,"PEO_spolupristupitel"]
[null,null,{"$f":"RK_spolupristupitel_PEO=ano","v":false}]
[null,null,"ZaP_P1"]
[null,null,{"$f":"ZaP_UZ-IF(RK_ziadost_zlava_1=\"\",0,RK_ziadost_zlava_1)-IF(RK_ziadost_zlava_2=\"\",0,RK_ziadost_zlava_2)","v":-1.4500000000000006E-2}]
[null,null,"ZaP_P2"]
[null,null,{"$f":"RK_prirazka_riziko","v":0.02}]
[null,null,"CSOBSP"]
[null,null,{"$f":"IF(AND(ref_institucia_1=\"\",ref_institucia_2=\"\",ref_institucia_3=\"\",ref_institucia_4=\"\",ref_institucia_5=\"\"),\"\",IF(COUNTIF(refin_institucia,zoz_CSOBSP)<>0,ano,nie))","v":""}]
[null,null,"pom_CS_vs_prijem"]
[null,null,{"$f":"IFERROR(RK_ziadost_vyska_uveru/(1+priznane_prijmy_spolu+priznane_prijmy_spolu_pristupitel),100)","v":0}]

{"sheet":"REKO_tabulky","index":28,"n_rows":28,"n_cols":74,"rows_kept":28,"cut":false,"hidden":true,"merged":[[0,66,0,73],[0,58,2,59],[3,58,3,59],[0,43,0,46],[0,49,0,50],[0,52,0,53],[19,5,19,6],[1,9,1,15],[1,16,1,21],[2,9,3,9],[2,11,3,11],[2,12,3,12],[2,13,3,13],[2,16,3,16],[2,18,3,18],[2,19,3,19],[2,20,3,20],[2,21,3,21],[2,10,3,10],[2,17,3,17],[0,0,0,1],[0,3,0,6],[2,29,3,29],[2,30,3,30],[2,32,3,32],[2,14,2,15],[2,31,3,31],[11,49,12,50],[9,43,9,44],[0,29,1,29],[1,30,1,36],[0,39,0,40],[2,33,3,33],[2,34,3,34],[2,35,2,36]]}
["zlavy",null,null,"splatnost",null,null,null,null,"tbl_max_tenor_RK",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ja-identita","meno","utvar","rola",null,"tbl_RISK_\nBAND",null,null,null,null,null,null,null,null,null,"REKO",null,null,"MAX DSTI","prijem_spolu *",null,null,null,null,null,"Kompetenčný model",null,null,"ZaP",null,null,"sadzby poistneho",null,null,"Typ spotrebiteľského úveru",null,"od 3 do 6 mesiacov","od 6 do 12 mesiacov","od 1 do 5 rokov","od 5 do 10 rokov","nad 10 rokov",null,"Comment adjust - REKO_uver"]
["účet ČSOB",5.0000000000000001E-3,null,null,"roky","MU mesiace","SU mesiace",null,null,"novy klient",null,null,null,null,null,null,"existujuci klient",null,null,null,null,null,null,null,"JE07377","Andrej Mosný","IT",1,null,null,"úverový register",null,null,null,null,null,null,null,null,"risk band","prirazka",null,"risk_band","0 < * ≤ 550","550 < * ≤ 750","750 < * ≤ 1100","* > 1100",null,null,"risk_band","REKO",null,"zakladna sadzba",{"$f":"RK_sadzba_MU_zakladna","v":4.9500000000000002E-2},null,"základný súbor A",4.65E-2,null,null,null,"Priemerná hodnota","Priemerná hodnota","Priemerná hodnota","Priemerná hodnota","Priemerná hodnota",null,"address","Row","Comment","top","left","width","height","cell.top"]
["poistenie ČSOB",2.5000000000000001E-3,null,{"$f":"IF(AND(RK_max_tenor>=E3,RK_ziadost_vyska_uveru>3000),1,0)","v":0},20,144,96,null,"CB score ->","A","B","C,D","E,F,G","H - M","kód & CS/(1+prizn.prijm)",null,"A","B","C,D","E,F,G","H - M","kód",null,null,"U95201","Katarína Držíková","URR",1,null,"nef. Hod","A","B","C,D","E,F,G","H, …, M","kód & CS/(1+prizn.prijm)",null,null,null,"VL",5.0000000000000001E-3,null,"VL",0.4,0.55000000000000004,0.65,0.65,{"$f":"IF(ISERROR(risk_band),0,IF(risk_band=AQ3,1,0))","v":0},null,"VL",4.9500000000000002E-2,null,"risk_prirazka",{"$f":"RK_prirazka_riziko","v":0.02},null,"komplexný súbor B",8.6999999999999994E-2,null,null,null,"RPMN","RPMN","RPMN","RPMN","RPMN",null,"$H$12",12,"KP ČSOB - kompletné spracovanie na strane pobočky\nAkvizícia/tip – tiperska spolupráca s EDS\nKompletné spracovanie – kompletné spracovanie EDS\n",164.25,450,236.25,47.25,143.25]
[null,null,null,0,19,132,96,null,"nef. hod.",null,null,null,null,null,"<10",">=10",null,null,null,null,null,null,null,null,"prihlásený:",{"$f":"pom_GLOW_username","v":"JE07377"},{"$f":"IFERROR(VLOOKUP(pom_GLOW_username,tbl_login,2,FALSE),0)","v":"Andrej Mosný"},{"$f":"IFERROR(VLOOKUP(pom_GLOW_username,tbl_login,4,FALSE),0)","v":1},null,null,null,null,null,null,null,"<10",">=10",null,null,"L",0.02,null,"L",0.35,0.5,0.55000000000000004,0.6,{"$f":"IF(ISERROR(risk_band),0,IF(risk_band=AQ4,2,0))","v":2},null,"L",5.9499999999999997E-2,null,"univerzalna_zlava",{"$f":"-(BB2+BB3-BB5)","v":-1.4500000000000006E-2},null,null,null,null,null,null,1,2,3,4,5,null,"$Q$12",12,"Číslo zmluvy sa generuje automaticky, okrem spôsobu spracovania 'kompletné spracovanie'",135.75,746.25,161.25,51.75,143.25]
[null,null,null,0,18,132,84,null,"A",0,12,12,15,15,15,15,0,12,12,15,15,15,{"$f":"IF(OR(ISERROR(hodnotenie_ziadatel_nef_kod),hodnotenie_ziadatel_nef_kod=I5,hodnotenie_ziadatel_nef_kod=\"\",hodnotenie_ziadatel_nef_kod=\"N/A\"),1,0)","v":1},null,null,null,null,null,null,"A","M","M","M","VL","VL","VL","VL",{"$f":"IF(ISERROR(hodnotenie_ziadatel_nef_kod),0,IF(hodnotenie_ziadatel_nef_kod=AD5,1,0))","v":0},null,"M",0.03,null,"M",0.35,0.5,0.55000000000000004,0.55000000000000004,{"$f":"IF(ISERROR(risk_band),0,IF(risk_band=AQ5,3,0))","v":0},null,"M",7.5499999999999998E-2,null,"kompetencny_model",{"$f":"RK_sadzba_KM","v":5.5E-2},null,null,null,null,1,"Spotrebiteľské úvery so zabezpečením alebo lízing vo výške do 1500 eur vrátane",20,22.72,18.03,12.73,0,null,"$R$39",39,"Výška žiadaného úveru",73963.5,837.75,102,33,531.75]
[null,null,null,0,17,120,84,null,"B",0,12,12,15,15,15,15,0,12,12,15,15,15,{"$f":"IF(ISERROR(hodnotenie_ziadatel_nef_kod),0,IF(hodnotenie_ziadatel_nef_kod=I6,2,0))","v":0},null,null,null,null,null,null,"B","H","M","M","L","VL","VL","VL",{"$f":"IF(ISERROR(hodnotenie_ziadatel_nef_kod),0,IF(hodnotenie_ziadatel_nef_kod=AD6,2,0))","v":0},null,"H",0.04,null,"H",0.3,0.35,0.45,0.5,{"$f":"IF(ISERROR(risk_band),0,IF(risk_band=AQ6,4,0))","v":0},null,"H",9.9500000000000005E-2,null,"zlava_1_ucet",{"$f":"IFERROR(-RK_ziadost_zlava_1,0)","v":0},null,null,null,null,2,"Spotrebiteľské úvery so zabezpečením alebo lízing vo výške od 1500 do 6500 eur vrátane",0,16.670000000000002,15.29,12.63,0,null,"$R$40",40,"Výška úveru akceptovaná klientom, napr. v prípade prehodnotenia príjmov v schvalovacom procese.",73977,837.75,114.75,51,545.25]
[null,null,null,0,16,120,72,null,"C",0,10,10,12,15,12,10,0,12,12,15,15,12,{"$f":"IF(ISERROR(hodnotenie_ziadatel_nef_kod),0,IF(hodnotenie_ziadatel_nef_kod=I7,3,0))","v":0},null,null,null,null,null,null,"C","VH","H","H","L","L","M","H",{"$f":"IF(ISERROR(hodnotenie_ziadatel_nef_kod),0,IF(hodnotenie_ziadatel_nef_kod=AD7,3,0))","v":0},null,"VH",0.06,null,"VH",0.25,0.25,0.35,0.4,{"$f":"IF(ISERROR(risk_band),0,IF(risk_band=AQ7,5,0))","v":0},null,"VH",0.1099,null,"zlava_2_poistenie",{"$f":"IFERROR(-RK_ziadost_zlava_2,0)","v":0},null,null,null,null,3,"Spotrebiteľské úvery so zabezpečením alebo lízing vo výške viac ako 6500 eur",0,3.58,10.76,10.87,0,null,"$R$43",43,"Poistenie A \n-smrť\n-invalidita následkom choroby alebo úrazu (od 70%), \n-dlhodobá práceneschopnosť (od 60 dní trvania PN)\nPoistenie B \n-smrť\n-invalidita následkom choroby alebo úrazu (od 70%), \n-dlhodobá práceneschopnosť (od 60 dní trvania PN)\n-strata zamestnania (nedobrovoľná, v dobe min. 60 dní)\n",76200.75,837.75,235.5,108.75,587.25]
[null,null,null,0,15,108,72,null,"D",0,5,5,10,12,10,5,0,5,5,12,12,10,{"$f":"IF(ISERROR(hodnotenie_ziadatel_nef_kod),0,IF(hodnotenie_ziadatel_nef_kod=I8,4,0))","v":0},null,null,null,null,null,null,"D","VH","VH","VH","M","L","M","VH",{"$f":"IF(ISERROR(hodnotenie_ziadatel_nef_kod),0,IF(hodnotenie_ziadatel_nef_kod=AD8,4,0))","v":0},null,null,null,null,null,{"$f":"IF(AND(pom_prijem_spolu>0,pom_prijem_spolu<=550),1,0)","v":0},{"$f":"IF(AND(pom_prijem_spolu>550,pom_prijem_spolu<=750),2,0)","v":0},{"$f":"IF(AND(pom_prijem_spolu>750,pom_prijem_spolu<=1100),3,0)","v":0},{"$f":"IF(pom_prijem_spolu>1100,4,0)","v":0},null,null,null,null,null,"pom_sadzba_final",{"$f":"BB5+BB6+BB7","v":5.5E-2},null,null,null,null,4,"Ostatné spotrebiteľské úvery neuvedené v r. 1 až 3 vo výške do 1500 eur vrátane",20.2,14.94,15.71,12.5,0,null,"$R$44",44,"Žiadateľ uzatvorením medziúveru stráca nárok na štátnu prémiu na všetkých zmluvách stavebného sporenia uzatvorených v ktorejkoľvek stavebnej sporiteľni.\n",76214.25,837.75,220.5,56,600.75]
[null,null,null,0,14,96,72,null,"E",0,0,0,0,10,0,0,0,0,0,5,10,0,{"$f":"IF(ISERROR(hodnotenie_ziadatel_nef_kod),0,IF(hodnotenie_ziadatel_nef_kod=I9,5,0))","v":0},null,null,null,null,null,null,"E","VH","VH","VH","VH","M","VH","VH",{"$f":"IF(ISERROR(hodnotenie_ziadatel_nef_kod),0,IF(hodnotenie_ziadatel_nef_kod=AD9,5,0))","v":0},null,null,null,null,null,null,null,null,null,null,null,"pom_sadzba_KM",null,null,null,null,null,null,null,null,5,"Ostatné spotrebiteľské úvery neuvedené v r. 1 až 3 vo výške od 1500 eur do 6500 eur vrátane",13.01,14.09,10.97,10.08,5.78,null,"$R$45",45,"Z dôvodu limitu úverovej angažovanosti (max. 35 000 € pre 2 účastníkov, 20 000 € pre 1 účastníka doplňte sumu zostatkov existujúcich úverov klienta v ČSOB St. Sp.).\nAk má klient úver vo výške 5 000 € môže požiadať maximálne o úver 15 000 € (ak je 1 účastník) alebo 30 000 € (ak sú min. 2 účastníci úveru).",76954.5,646.5,211.5,90,616.5]
[null,null,null,0,13,96,60,null,null,{"$f":"IF(AND(pom_REKO_existujuci=FALSE,pom_risc_band_class_1),1,0)","v":0},{"$f":"IF(AND(pom_REKO_existujuci=FALSE,pom_risc_band_class_2),2,0)","v":0},{"$f":"IF(AND(pom_REKO_existujuci=FALSE,pom_risc_band_class_3),3,0)","v":0},{"$f":"IF(AND(pom_REKO_existujuci=FALSE,pom_risc_band_class_4),4,0)","v":0},{"$f":"IF(AND(pom_REKO_existujuci=FALSE,pom_risc_band_class_5),5,0)","v":5},{"$f":"IF(AND(pom_REKO_existujuci=FALSE,pom_risc_band_class_6,pom_CS_vs_prijem<10),6,0)","v":0},{"$f":"IF(AND(pom_REKO_existujuci=FALSE,pom_risc_band_class_6,pom_CS_vs_prijem>=10),7,0)","v":0},{"$f":"IF(AND(pom_REKO_existujuci,pom_risc_band_class_1),8,0)","v":0},{"$f":"IF(AND(pom_REKO_existujuci,pom_risc_band_class_2),9,0)","v":0},{"$f":"IF(AND(pom_REKO_existujuci,pom_risc_band_class_3),10,0)","v":0},{"$f":"IF(AND(pom_REKO_existujuci,pom_risc_band_class_4),11,0)","v":0},{"$f":"IF(AND(pom_REKO_existujuci,pom_risc_band_class_5),12,0)","v":0},{"$f":"IF(AND(pom_REKO_existujuci,pom_risc_band_class_6),13,0)","v":0},null,null,null,null,null,null,null,null,{"$f":"IF(pom_risc_band_class_1,1,0)","v":0},{"$f":"IF(pom_risc_band_class_2,2,0)","v":0},{"$f":"IF(pom_risc_band_class_3,3,0)","v":0},{"$f":"IF(pom_risc_band_class_4,4,0)","v":0},{"$f":"IF(pom_risc_band_class_5,5,0)","v":5},{"$f":"IF(AND(pom_risc_band_class_6,pom_CS_vs_prijem<10),6,0)","v":0},{"$f":"IF(AND(pom_risc_band_class_6,pom_CS_vs_prijem>=10),7,0)","v":0},null,null,null,null,null,null,"pom_dsti_limit",null,{"$f":"INDEX(AR3:AU7,SUM(AV3:AV7),SUM(AR8:AU8))","v":0.55000000000000004},null,null,null,null,{"$f":"VLOOKUP(risk_band,IF(p_REKO_akcia,AX15:AY19,tab_sadzba_KM),2,FALSE)","v":5.5E-2},null,null,null,null,null,null,null,6,"Ostatné spotrebiteľské úvery neuvedené v r. 1 až 3 vo výške viac ako 6500 eur",4.84,8.1199999999999992,8.3699999999999992,7.93,5.22,null,"$K$52",52,"Pokiaľ sa jedná o financovanie iného ako vlastného bývania, max. doba splatnosti môže byť menej ako 12 rokov!",77092.5,837.75,180,60,754.5]
[null,null,null,0,12,84,60,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"$C$60",60,"Rodinný stav \"druh/družka\" je možné zadať ak:\n- nadobúdajú nehnuteľnosť do spoločného vlastníctva\n- majú rovnakú korešpondenčnú adresu (kor. adresa jedného je zároveň adresou trvalého pobytu druhého)",29855.25,255,237.75,51.75,868.5]
[null,null,null,0,11,84,48,null,null,{"$f":"IF(OR(SUM(J10:V10)=0,SUM(W5:W9)=0),0,INDEX(J5:V9,SUM(W5:W9),SUM(J10:V10)))","v":15},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"default","L",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kompetenčný model\nakcia",null,null,null,null,null,null,null,null,null,null,"MU","SU",null,null,null,null,"$R$65",65,"Výpočet zo základu dane: Základ dane podľa §6 - daň / 12 (resp. počet mesiacov podnikateľskej činnosti v predchádzajúcom zdaňovacom období, napr. SZČO od 1.6.2017, počet mesiacov: 7)",77900,740,260,55]
[null,null,null,0,10,72,48,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"RISK BAND",{"$f":"IF(OR(SUM(AE10:AK10)=0,SUM(AL5:AL9)=0),AE12,INDEX(AE5:AK9,SUM(AL5:AL9),SUM(AE10:AK10)))","v":"L"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Výška úveru",{"$f":"RK_ziadost_vyska_uveru","v":0},{"$f":"RK_ziadost_vyska_uveru","v":0},null,null,null,null,"$R$68",68,"IČO musí byť vyplnené vždy, ak ho má podnikateľ pridelené.\nV prípade, že IČO nemá pridelené, pretože nepodniká v zmysle Živnostenského alebo Obchodného zákona vyplní DIČ (napr. slobodné povolanie, podnikanie na základe autorského zákona a pod.)",77962.5,837.75,228.75,72.75,989.25]
[null,null,null,0,9,60,48,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"risk_band","REKO",null,null,null,null,null,null,null,null,"Trvanie MU",{"$f":"RK_splatnost_MU","v":{"$error":"#N/A"}},{"$f":"RK_splatnost_MU","v":{"$error":"#N/A"}},null,null,null,null,"$K$74",74,"pr1: žiadatel slobodný bez pristupitela = 1 účastník\npr2: žiadateľ ženatý/vydatá s (BSM) resp. druh/družka = 2 účastníci\npr3: žiadateľ slobodný so slobodnbým pristupiteľom = 2 účastníci\npr4: žiadatel slobodný so ženatým pristupiteľom (s BSM) = 3 účastníci\npr5: žiadateľ ženatý/vydatá s (BSM) resp. druh/družka so slobodným pristupiteľom = 3 účastníci\npr6: žiadateľ ženatý/vydatá s (BSM) resp. druh/družka so ženatým pristupiteľom (s BSM) = 4 účastníci\n\nŽiadateľ/pristupiteľ ženatý/vydatá so zrušeným BSM, vstupuje do zmluvy len samostatne",78051,837.75,500,15,1077.75]
[null,null,null,0,8,60,36,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"VL",4.9500000000000002E-2,null,null,null,null,null,null,null,null,"Trvanie SU",{"$f":"RK_splatnost_SU","v":{"$error":"#N/A"}},{"$f":"RK_splatnost_SU","v":{"$error":"#N/A"}},null,null,null,null,"$K$75",75,"Ak je rovnaký štát trvalého pobytu a štát daňovej rezidencie, uvedte štát trvalého pobytu.",78064.5,837.75,215.25,30,1091.25]
[null,null,null,0,7,48,36,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"L",5.5E-2,null,null,null,null,null,null,null,null,"zabezpečenie (posun riadku)",3,3,null,null,null,null,"$C$87",87,"áno - ak ide o kombináciu dvoch REKO úverov posudzovaných podľa dvoch zákonov\nnie - pokiaľ nejde o kombináciu ",19958.25,255,192,54.75,1215.75]
[null,null,null,0,6,48,24,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"M",6.9000000000000006E-2,null,null,null,null,null,null,null,null,"riadok",{"$f":"IF(BI13<=1500,1,IF(BI13<=6500,2,3))+BI16","v":4},{"$f":"IF(BJ13<=1500,1,IF(BJ13<=6500,2,3))+BJ16","v":4},null,null,null,null,"$M$87",87,"Zľava počas obdobia prvej fixácie medziúveru\n",88179,646.5,132.75,38.25,1215.75]
[null,null,null,{"$f":"IF(RK_max_tenor>=E18,1,0)","v":1},5,36,24,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"H",9.9500000000000005E-2,null,null,null,null,null,null,null,null,"stĺpec MU",{"$f":"IF(BI14<=6,1,IF(BI14<=12,2,IF(BI14<=60,3,IF(BI14<=120,4,5))))","v":{"$error":"#N/A"}},null,null,null,null,null,"$R$87",87,"Účet vedený na žiadateľa o úver\n",88179,739.5,103.5,37.5,1215.75]
[null,null,null,{"$f":"SUMIF(D3:D18,1)","v":1},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"VH",0.1099,null,null,null,null,null,null,null,null,"stĺpec SU",{"$f":"IF(BI15<=6,1,IF(BI15<=12,2,IF(BI15<=60,3,IF(BI15<=120,4,5))))","v":{"$error":"#N/A"}},null,null,null,null,null,"$R$88",88,"Základný súbor A alebo komplexný súbor B (vzťahujúce sa iba k tomuto úveru)\npoistenie DOMOS\n (vzťahujúce sa k nehnuteľnosti, ktorá je predmetom kúpy/rekonštrukcie/úhradou záväzkov týmto úverom)\n",88194,739.5,219.75,85,1229.25]
[null,null,null,{"$f":"COUNTIF(D3:D18,0)","v":15},null,{"$f":"\"REKO_tabulky!E\" & 3+D20-IF(RK_max_tenor<5,1,0) & \":E18\"","v":"REKO_tabulky!E18:E18"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Priemerný RPMN MU",{"$f":"VLOOKUP($BI$17,BG5:BM10,$BI$18+2,FALSE)/100","v":{"$error":"#N/A"}},null,null,null,null,null,"$C$94",94,"max 2 úvery zo stav. sporitelní alebo úverov od ostatných bánk",92315.25,248.25,108.75,38.25,1314.75]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Priemerný RPMN SU",{"$f":"VLOOKUP($BJ$17,BG5:BM10,$BI$19+2,FALSE)/100","v":{"$error":"#N/A"}},null,null,null,null,null,"$M$139",139,"Ak poberáte aj prídavok na dieťa započítajte ho do materskej alebo rodičovského príspevku.",0,653.25,108,59.25]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"$H$142",142,"Výpočet zo základu dane: Základ dane podľa §6 - daň / 12 (resp. počet mesiacov podnikateľskej činnosti v predchádzajúcom zdaňovacom období, napr. SZČO od 1.6.2017, počet mesiacov: 7)",94000,300,260,55]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"$M$145",145,"Ak poberáte aj prídavok na dieťa započítajte ho do materskej alebo rodičovského príspevku.",0,653.25,108,59.25]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"$H$172",170,"Je to objekt( dom,byt,...) na ktorý sa úver vzťahuje",95618.25,432,190.5,28.5,2406]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"$H$308",308,"Výpočet zo základu dane: Základ dane podľa §6 - daň / 12 (resp. počet mesiacov podnikateľskej činnosti v predchádzajúcom zdaňovacom období, napr. SZČO od 1.6.2017, počet mesiacov: 7)",307000,300,260,55]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"$M$312",312,"Ak poberáte aj prídavok na dieťa započítajte ho do materskej alebo rodičovského príspevku.",0,653.25,108,59.25]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"$H$316",316,"Výpočet zo základu dane: Základ dane podľa §6 - daň / 12 (resp. počet mesiacov podnikateľskej činnosti v predchádzajúcom zdaňovacom období, napr. SZČO od 1.6.2017, počet mesiacov: 7)",315000,300,260,55]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"$M$320",320,"Ak poberáte aj prídavok na dieťa započítajte ho do materskej alebo rodičovského príspevku.",0,653.25,108,59.25]

{"sheet":"REKO_chyb_hlasky","index":29,"n_rows":312,"n_cols":9,"rows_kept":312,"cut":false,"hidden":true,"merged":[[0,0,0,2],[0,5,0,8],[41,5,41,8]]}
["uver",null,null,"kontrola dat ponuka",null,"STOP hlásenia do hárku úver"]
["pole / podmienka","CHYBA","Chybové hlásenie",{"$f":"OR(D3:D72)","v":false},null,"Popis","PODMIENKA","CHYBA","Chybové hlásenie"]
["RK_ziadost_spracovanie",{"$f":"INDIRECT(A3)=\"\"","v":true},{"$f":"INDIRECT(\"popis_\" & A3)","v":"Spracovanie žiadosti"},{"$f":"AND(verzia_typ=\"KP_CSOB\",B3)","v":false},null,"Kontrola správnosti vyplnenia",{"$f":"prijem_podnikanie_akceptacia_chyba","v":false},{"$f":"IF(ISERROR(G3),FALSE,G3)","v":false},"Upravte špecifikáciu príjmu z podnikania. Aktuálne vybraná, nie je povolená."]
["RK_cislo_zmluvy_pom",{"$f":"AND(INDIRECT(A4)=\"\",p_kompletne)","v":false},"Číslo zmluvy stavebného sporenia",false,null,"uv_reg =A,B,1; max tenor_rk=0",{"$f":"OR(pom_risc_band_class_1,RK_max_tenor_pom=0)","v":false},false,"Klient nevyhovuje interným podmienkam ČSOB SP pre vyhodnotenie úverového registra, úver nie je možné poskytnúť!"]
["KP_meno",{"$f":"AND(INDIRECT(A5)=\"\",OR(p_KP_CSOB,p_akv_tip))","v":false},"Meno KP ČSOB",{"$f":"AND(verzia_typ=\"KP_CSOB\",B5)","v":false},null,"Vek 22 rokov",{"$f":"OR(RK_ziadatel_vek<23,RK_pristupitel_vek<23)","v":false},{"$f":"IF(ISERROR(G5),FALSE,G5)","v":false},{"$f":"\"Vek \" & IF(RK_ziadatel_vek<23, \"žiadateľa\",IF(RK_pristupitel_vek<23,\"spolužiadateľa 2\",\"\")) & \" je rovný alebo menší ako 22 rokov. Vek \" & IF(RK_ziadatel_vek<23, \"žiadateľa\",IF(RK_pristupitel_vek<23,\"spolužiadateľa 2\",\"\")) & \" musí byť minimálne 23 rokov.\"","v":"Vek  je rovný alebo menší ako 22 rokov. Vek  musí byť minimálne 23 rokov."}]
["KP_priezvisko",false,"Priezvisko KP ČSOB",{"$f":"AND(verzia_typ=\"KP_CSOB\",B6)","v":false},null,"limit vysky na jedneho ucastnika",{"$f":"IF(RK_ziadost_vyska_uveru+RK_ziadost_uverova_angazovanost>IF(pocet_ucastnikov<2,20000,35000),TRUE,FALSE)","v":false},false,"Pre úver ČSOB St Sp je povinný druhý účastník úveru (manžel/ka, druh/žka žiadateľa alebo spolužiadateľ 2) z dôvodu výšky úveru. Maximálna výška úveru pre 1 účastníka je 20000 €, pre dvoch 35000€."]
["KP_mail",false,"Email KP ČSOB",false,null,"uverova angazovanost",{"$f":"RK_uv_angaz_podmienka=TRUE","v":false},false,{"$f":"\"Maximálna výška úveru z dôvodu úverovej angažovanosti v ČSOB St. Sp. je \" & TEXT(35000-RK_ziadost_uverova_angazovanost,0)&\" € !\"","v":"Maximálna výška úveru z dôvodu úverovej angažovanosti v ČSOB St. Sp. je 35000 € !"}]
["KP_tel",false,"Tel. kontakt KP ČSOB",false,null,"Prístupiteľ - vyplnené príjmy bez RČ",{"$f":"OR(AND(RK_pristupitel_RC=0,prijmy_pristupitel_spolu>0),AND(RK_spolupristupitel_RC=0,prijmy_manz_pristupitela_spolu>0))","v":false},false,"Vymažte príjmy spolužiadateľa 2."]
["KP_osobne_cislo",{"$f":"AND(INDIRECT(A9)=\"\",OR(p_KP_CSOB,p_akv_tip))","v":false},"Osobné číslo KP ČSOB",{"$f":"AND(verzia_typ=\"KP_CSOB\",B9)","v":false},null,"Poistenie invalida",{"$f":"AND(RK_ziadatel_prijem_dochodok>0,RK_ziadatel_prijem_dochodok_typ=\"invalidný plný\",OR(RK_ziadost_poistenie=poistenieA,RK_ziadost_poistenie=poistenieB))","v":false},{"$f":"IF(ISERROR(G9),FALSE,G9)","v":false},"Nie je možné poistenie úveru z dôvodu invalidity žiadateľa."]
["KP_pobocka",false,"Pobočku KP ČSOB",{"$f":"AND(verzia_typ=\"KP_CSOB\",B10)","v":false},null,"Žiadateľ a spolužiadateľ 1 - vyplnené príjmy bez RČ",{"$f":"OR(AND(RK_ziadatel_rc=0,prijmy_ziadatel_spolu>0),AND(RK_spoluziadatel_RC=0,prijmy_spoludlznik_spolu>0))","v":false},false,"Vymažte príjmy žiadateľa a spolužiadateľa 1"]
["KP_2_podpis",false,"Meno 2. podpisujúceho KP ČSOB",false,null,"Spolužiadateľ 2 a 3 - vyplnené príjmy bez RČ",{"$f":"OR(AND(RK_pristupitel_RC=0,prijmy_pristupitel_spolu>0),AND(RK_spolupristupitel_RC=0,prijmy_manz_pristupitela_spolu>0))","v":false},false,"Vymažte príjmy spolužiadateľa 2 a 3"]
["RK_FA_meno",{"$f":"AND(INDIRECT(A12)=\"\",OR(p_kompletne,p_akv_tip))","v":false},"Meno FA",false,null,"Refinancovanie v ČSOBSP - kontrola",{"$f":"AND(NOT(RK_ziadost_refinanc_SS=\"\"),refinancovanie_kontrola=\"\")","v":false},false,"Vyplňte hárok refinancovanie!"]
["RK_FA_priezvisko",false,"Priezvisko FA",false,null,"refinancovanie top up 3000",{"$f":"podmienka_topup_refinanc","v":false},false,"Výška úveru musí byť vyššia aspoň o 3000€ oproti sume zostatkov refinancovaných úverov!"]
["RK_FA_mail",false,"Email FA",false,null,"splatnosť úveru po 70tke",{"$f":"AND(OR(vykricnik_ziadatel<>\"\",vykricnik_spoluziadatel<>\"\",vykricnik_pristupitel<>\"\",vykricnik_spolupristupitel<>\"\"))","v":false},false,"Doba splatnosti úveru presahuje max. akceptovaný vek účastníkov úverového vzťahu. Zníž celkovú dobu splatnosti v rokoch."]
["RK_FA_tel",{"$f":"AND(INDIRECT(A15)=\"\",OR(p_kompletne,p_akv_tip))","v":false},"Tel. kontakt FA",false,null,"Príjem zahraničie + ČR,  prac.pomer < 1 rok",{"$f":"OR(AND(OR(RK_ziadatel_prijem_ZC_typ=\"v zahraničí\",RK_ziadatel_prijem_ZC_typ=\"v ČR\"),YEARFRAC(RK_ziadatel_prac_pomer_od,RK_ziadost_datum)<1),AND(OR(RK_spoluziadatel_prijem_ZC_typ=\"v zahraničí\",RK_spoluziadatel_prijem_ZC_typ=\"v ČR\"),YEARFRAC(RK_spoluziadatel_prac_pomer_od,RK_ziadost_datum)<1),AND(OR(RK_pristupitel_prijem_ZC_typ=\"v zahraničí\",RK_pristupitel_prijem_ZC_typ=\"v ČR\"),YEARFRAC(RK_pristupitel_prac_pomer_od,RK_ziadost_datum)<1),AND(OR(RK_spolupristupitel_prijem_ZC_typ=\"v zahraničí\",RK_spolupristupitel_prijem_ZC_typ=\"v ČR\"),YEARFRAC(RK_spolupristupitel_prac_pomer_od,RK_ziadost_datum)<1))","v":false},false,"Neakceptovateľná dĺžka pracovného pomeru v zmysle aktuálne platnej metodiky."]
["RK_FA_ulica",{"$f":"AND(INDIRECT(A16)=\"\",p_kompletne)","v":false},"Adresa - ulica, číslo",false,null,"refinancovanie",{"$f":"OR(AND(COUNTIF(refin_institucia,zoz_CSOBSP)=0,CSOBSP=ano),AND(COUNTIF(refin_institucia,zoz_ine_banky)+COUNTIF(refin_institucia,zoz_ineSS)=0,CSOBSP=nie),AND(RK_ziadost_refinanc_SS=\"úver s nehnuteľnosťou\",COUNTIF(refin_zabezpecenie_pov,zab_nehn)=0),AND(refin_sumaCS_pov+refin_suma_vyska_uveru_povo>0,RK_ziadost_refinanc_SS=\"\"))","v":false},false,"Pole Refinancovanie/Splatenie nie je v súlade s hárkom refinancovanie."]
["RK_FA_mesto",{"$f":"AND(INDIRECT(A17)=\"\",p_kompletne)","v":false},"Adresa - PSČ, mesto",false,null,"limit odplata",{"$f":"IF(spotrebitelsky_ucel=TRUE,OR(AND(odplata_MU<>\"\",odplata_MU>(2*RK_priem_RPMN_MU)),AND(odplata_SU<>\"\",odplata_SU>(2*RK_priem_RPMN_SU))),FALSE)","v":false},false,"Úver nie je možné schváliť z dôvodu prekročenia limitu Odplaty. Zmeň dobu splatnosti úveru na kratšie obdobie."]
["RK_FA_regcis_NBS",false,"Registračné č. NBS FA",false,null,"Nesulad kraj+okres",{"$f":"IF(OR(RK_ziadatel_kraj=\"\",RK_ziadatel_okres=\"\"),FALSE,IF(INDIRECT(\"zoznamy!CD\" & MATCH(RK_ziadatel_okres,zoznamy!CE:CE,0))=RK_ziadatel_kraj,FALSE,TRUE))","v":false},false,"Nesúlad okresu a kraja bydliska žiadateľa."]
["RK_FA_id_agent",false,"Identifikačné č. FA",false,null,"invalidny vs statna premia",{"$f":"AND(RK_ziadost_sp=ano,RK_ziadatel_prijem_dochodok<>0,OR(RK_ziadatel_prijem_dochodok_typ=\"invalidný čiastočný\",RK_ziadatel_prijem_dochodok_typ=\"invalidný plný\"))","v":false},false,"Nie je možné poskytnúť štátnu prémiu - žiadateľ je invalidný dôchodca."]
["RK_FA_provcis",false,"Provízne č. spoločnosti FA",false,null,"ine ako vlastne byvanie - ostatne ts",{"$f":"AND(RK_ziadost_ucel_pouzitia_financii<>\"\",RK_ziadost_ucel_pouzitia_financii<>ucel_vlastne_byvanie,RK_ziadost_splatnost>12)","v":false},false,"Úver je možné poskytnúť s max. dobou splatnosti 12 rokov – znížte dobu splatnosti!"]
["RK_FA_miesto",{"$f":"AND(INDIRECT(A21)=\"\",p_kompletne)","v":false},"Miesto spísania žiadosti",false,null,"cudzia_mena_nevyhovuje",{"$f":"RK_cudzia_mena_nevyhovuje","v":false},false,"Klient nevyhovuje úverovým podmienkam ČSOB SP."]
["RK_FA_odovzdanie",{"$f":"AND(INDIRECT(A22)=\"\",p_kompletne)","v":false},"Miesto odovzdania žiadosti",false,null,"nefinancne E + financne E",{"$f":"AND(hodnotenie_ziadatel_nef_kod=\"E\",financny_ukazovatel_ziadatel>0.9,financny_ukazovatel_ziadatel<=1,priznane_prijmy_spolu+priznane_prijmy_spolu_pristupitel>0)","v":{"$error":"#N/A"}},false,"Klient nevyhovuje úverovým podmienkam ČSOB SP, úver nie je možné poskytnúť!"]
["RK_FA_pobocka",{"$f":"AND(INDIRECT(A23)=\"\",p_kompletne,RK_FA_odovzdanie=\"pobočka ČSOB\")","v":false},"Pobočka",false,null,"financne hodnotenie F",{"$f":"AND(hodnotenie_ziadatel_kod=\"F\",priznane_prijmy_spolu+priznane_prijmy_spolu_pristupitel>0,fin_rezerva_percento<min_fin_rezerva_percento)","v":false},false,"Nebonitný klient – vysoká výška požadovaného  úveru. Znížte max. výšku úveru alebo doplňte spolužiadateľa 2 s príjmom."]
["RK_ziadatel_meno",{"$f":"INDIRECT(A24)=\"\"","v":true},"Meno žiadateľa",false,null,"pristupitel + patner s prijmom",{"$f":"AND(OR(RK_pristupitel_RC<>\"\",RK_pristupitel_RC<>0,RK_spolupristupitel_RC<>\"\",RK_spolupristupitel_RC<>0),pristupitel_akceptacny_prijem+spolupristupitel_akceptacny_prijem=0)","v":false},false,"Vyplň príjem buď spolužiadateľa2 resp. spolužiadateľa3 zo závislej činnosti, z podnikania, výsluhového dôchodku alebo doktorandského príjmu."]
["RK_ziadatel_priezvisko",{"$f":"INDIRECT(A25)=\"\"","v":true},"Priezvisko žiadateľa",false,null,"ucel,refinancovanie",{"$f":"AND(RK_ziadost_refinanc_SS<>\"\",NOT(OR(ine_ucely_9,ine_ucely_10)))","v":false},false,"Doplňte účel refinancovanie."]
["RK_ziadatel_rc",true,"Rodné číslo žiadateľa",{"$f":"AND(verzia_typ=\"KP_CSOB\",B26)","v":false},null,"kontrola prijem ucastnikov",{"$f":"IF(OR(pom_chh_ziadatel_prijem,pom_chh_spoluziadatel_prijem,pom_chh_pristupitel_prijem,pom_chh_spolupristupitel_prijem),IF(OR(RK_ziadatel_prijem_podn<>\"\",RK_ziadatel_prijem_ZC<>\"\",RK_spoluziadatel_prijem_podn<>\"\",RK_spoluziadatel_prijem_ZC<>\"\",RK_pristupitel_prijem_podn<>\"\",RK_pristupitel_prijem_ZC<>\"\",RK_spolupristupitel_prijem_podn<>\"\",RK_spolupristupitel_prijem_ZC<>\"\"),FALSE,TRUE),FALSE)","v":false},false,"Doplň príjem zo závislej činnosti alebo podnikania."]
["RK_ziadatel_doklad_cislo",true,"Číslo dokladu žiadateľa",false,null,"kontrola pocet ucastnikov",{"$f":"kontrola_pocet_castnikov","v":{"$error":"#VALUE!"}},false,"Zvolený počet účastníkov nesedí voči vyplneným údajom."]
["RK_ziadatel_doklad_druh",true,"Typ dokladu žiadateľa",false,null,"kontrola pocet clenov domacnosti ziadatel",{"$f":"AND(RK_ziadatel_pocet_clenov_doma<>\"\",RK_ziadatel_rodinny_stav=\"ženatý/vydatá bez BSM\",RK_ziadatel_pocet_clenov_doma-RK_ziadatel_deti<2)","v":false},false,"Do počtu členov domácnosti je potrebné uviesť aj manželského partnera!"]
["RK_ziadost_vyska_uveru",true,"Výška úveru",{"$f":"AND(verzia_typ=\"KP_CSOB\",B29)","v":false},null,"kontrola pocet clenov domacnosti ziadatel",{"$f":"AND(RK_ziadatel_pocet_clenov_doma<>\"\",RK_ziadatel_rodinny_stav<>\"\",RK_ziadatel_rodinny_stav<>\"ženatý/vydatá bez BSM\",RK_ziadatel_pocet_clenov_doma<>RK_ziadatel_deti+IF(RK_ziadatel_rc<>\"\",1,0)+IF(RK_spoluziadatel_RC<>\"\",1,0))","v":false},false,"Skontrolujte údaje počtu detí, počet členov domácnosti a správnosť vyplnení rodných čísel!"]
["RK_ziadost_splatnost",true,"Doba splatnosti úveru",{"$f":"AND(verzia_typ=\"KP_CSOB\",B30)","v":false},null,"kontrola pocet clenov domacnosti pristupitel",{"$f":"AND(RK_pristupitel_pocet_clenov_doma<>\"\",RK_pristupitel_rodinny_stav=\"ženatý/vydatá bez BSM\",RK_pristupitel_pocet_clenov_doma-RK_pristupitel_deti<2)","v":false},false,"Do počtu členov domácnosti je potrebné uviesť aj manželského partnera!"]
["RK_ziadost_poistenie",true,"Poistenie úveru",{"$f":"AND(verzia_typ=\"KP_CSOB\",B31)","v":false},null,"kontrola pocet clenov domacnosti pristupitel",{"$f":"AND(RK_pristupitel_pocet_clenov_doma<>\"\",RK_pristupitel_rodinny_stav<>\"\",RK_pristupitel_rodinny_stav<>\"ženatý/vydatá bez BSM\",RK_pristupitel_pocet_clenov_doma<>RK_pristupitel_deti+IF(RK_pristupitel_RC<>\"\",1,0)+IF(RK_spolupristupitel_RC<>\"\",1,0))","v":false},false,"Skontrolujte údaje počtu detí, počet členov domácnosti a správnosť vyplnení rodných čísel!"]
["RK_ziadost_sp",false,"Nárok na štátnu prémiu",false,null,"kontrola prijmov I ziadatel",{"$f":"AND(RK_ziadatel_podnikanie=nie,RK_ziadatel_prijem_podn>0)","v":false},false,"Pole 'Podnikateľská činnosť / SZČO' žiadateľa zmeňte na áno."]
["RK_ziadost_uverova_angazovanost",false,"Zostatok existujúcich úverov v ČSOB St. SP",false,null,"kontrola prijmov I spoluziadatel 1",{"$f":"AND(RK_spoluziadatel_podnikanie=nie,RK_spoluziadatel_prijem_podn>0)","v":false},false,"Pole 'Podnikateľská činnosť / SZČO' spolužiadateľa 1 zmeňte na áno."]
["ucely",{"$f":"NOT(OR(nadobudnutie_vlastnictva_zadane,modernizacia_zadane,ine_ucely_zadane))","v":true},"Účely poskytnutia úveru",false,null,"kontrola prijmov I spoluziadatel 2",{"$f":"AND(RK_pristupitel_podnikanie=nie,RK_pristupitel_prijem_podn>0)","v":false},false,"Pole 'Podnikateľská činnosť / SZČO' spolužiadateľa 2 zmeňte na áno."]
["RK_ziadost_ucel_pouzitia_financii",true,"Účel použitia finančných prostriedkov",{"$f":"AND(verzia_typ=\"KP_CSOB\",B35)","v":false},null,"kontrola prijmov I spoluziadatel 3",{"$f":"AND(RK_spolupristupitel_podnikanie=nie,RK_spolupristupitel_prijem_podn>0)","v":false},false,"Pole 'Podnikateľská činnosť / SZČO' spolužiadateľa 3 zmeňte na áno."]
["RK_ziadost_uvreg",true,"Úverový register - výsledok",{"$f":"AND(verzia_typ=\"KP_CSOB\",B36)","v":false},null,"kontrola prijmov II ziadatel",{"$f":"AND(RK_ziadatel_prac_pomer_od<>\"\",RK_ziadatel_prijem_ZC=\"\")","v":false},false,"Vyplňte pole 'Čistý mesačný príjem zo závislej činnosti' žiadateľa."]
["RK_ziadatel_rodinny_stav",true,"Rodinný stav žiadateľa",{"$f":"AND(verzia_typ=\"KP_CSOB\",B37)","v":false},null,"kontrola prijmov II spoluziadatel 1",{"$f":"AND(RK_spoluziadatel_prac_pomer_od<>\"\",RK_spoluziadatel_prijem_ZC=\"\")","v":false},false,"Vyplňte pole 'Čistý mesačný príjem zo závislej činnosti' spolužiadateľa 1."]
["RK_ziadatel_vzdelanie",true,"Vzdelanie žiadateľa",{"$f":"AND(verzia_typ=\"KP_CSOB\",B38)","v":false},null,"kontrola prijmov II spoluziadatel 2",{"$f":"AND(RK_pristupitel_prac_pomer_od<>\"\",RK_pristupitel_prijem_ZC=\"\")","v":false},false,"Vyplňte pole 'Čistý mesačný príjem zo závislej činnosti' spolužiadateľa 2."]
["RK_ziadatel_ulica",true,"Ulica, číslo žiadateľa",false,null,"kontrola prijmov II spoluziadatel 3",{"$f":"AND(RK_spolupristupitel_prac_pomer_od<>\"\",RK_spolupristupitel_prijem_ZC=\"\")","v":false},false,"Vyplňte pole 'Čistý mesačný príjem zo závislej činnosti' spolužiadateľa 3."]
["RK_ziadatel_mesto",true,"Mesto žiadateľa",false,null,"Zobrazené chybové hlásenie:",null,{"$f":"IF(RK_ziadost_vyska_uveru=0,FALSE,OR(H3:H39))","v":false},{"$f":"IF(RK_chyb_hl_stop_vyhodnotenie,VLOOKUP(TRUE,H3:I39,2,FALSE),\"\")","v":""}]
["RK_ziadatel_PSC",true,"PSČ žiadateľa",false]
["RK_ziadatel_stat",false,"Štát žiadateľa",false,null,"INFO HLASKY HAROK REKO_uver"]
["RK_ziadatel_kraj",true,"Kraj žiadateľa",{"$f":"AND(verzia_typ=\"KP_CSOB\",B43)","v":false},null,"Popis","PODMIENKA","CHYBA","Chybové hlásenie"]
["RK_ziadatel_okres",true,"Okres žiadateľa",{"$f":"AND(verzia_typ=\"KP_CSOB\",B44)","v":false},null,"fin_hod >1 a rezerva > 20%",{"$f":"hodnotenie_ziadatel_text=\"INDIVIDUÁLNE POSÚDENIE\"","v":{"$error":"#N/A"}},{"$f":"IF(ISERROR(G44),FALSE,G44)","v":false},"Klient nemá dostatočnú finančnú rezervu, požadovaný úver môže byť znížený schvaľovateľom. Prípadne môžete pridať ďalšieho účastníka s dostatočným príjmom."]
["RK_ziadatel_tel",true,"Tel. kontakt žiadateľa",false,null,"DTI>8",{"$f":"IFERROR(DTI,0)>8","v":false},false,"Vzhľadom na vysokú celkovú zadĺženosť, požadovaný úver môže byť znížený schvaľovateľom."]
["RK_ziadatel_mail",true,"E-mail žiadateľa",false,null,"Zobrazené chybové hlásenie:",null,{"$f":"IF(RK_ziadost_vyska_uveru=0,FALSE,OR(H44:H45))","v":false},{"$f":"IF(RK_chyb_hl_info_vyhodnotenie,VLOOKUP(TRUE,H44:I45,2,FALSE),\"\")","v":""}]
["RK_ziadatel_stat_dan_rez",false,"Štát daňovej rezidencie",false]
["RK_ziadatel_obcianstvo",true,"Štátna príslušnosť",false]
["RK_ziadatel_sposob_byvania",true,"Spôsob bývania",{"$f":"AND(verzia_typ=\"KP_CSOB\",B49)","v":false}]
["RK_ziadatel_pocet_clenov_doma",true,"Počet členov domácnosti",false]
["RK_ziadatel_deti",true,"Počet nezaopatrených detí",false]
["RK_ziadatel_podnikanie",true,"Podnikateľská činnosť",false]
["RK_ziadatel_prijem_podn",{"$f":"AND(INDIRECT(A53)=\"\",RK_ziadatel_podnikanie=ano)","v":false},"Príjem z podnikania žiadateľa",false]
["RK_ziadatel_prijem_podn_typ",{"$f":"AND(INDIRECT(A54)=\"\",RK_ziadatel_podnikanie=ano,RK_ziadatel_prijem_podn<>0)","v":false},"Typ príjmu z podnikania žiadateľa",false]
["RK_ziadatel_podnikanie_od",{"$f":"AND(INDIRECT(A55)=\"\",RK_ziadatel_podnikanie=ano)","v":false},"Podnikateľská činnosť od žiadateľa",false]
["RK_ziadatel_podnikanie_druh",{"$f":"AND(INDIRECT(A56)=\"\",RK_ziadatel_podnikanie=ano)","v":false},"Druh podnikania žiadateľa",false]
["RK_ziadatel_podnikanie_zisk",false,"Druh podnikania žiadateľa",false]
["RK_ziadatel_ICO",{"$f":"AND(INDIRECT(A58)=\"\",RK_ziadatel_podnikanie=ano)","v":false},"IČO žiadateľa",false]
["RK_ziadatel_prijem_ZC",false,"Príjem zo ZČ žiadateľa",false]
["RK_ziadatel_prijem_ZC_typ",{"$f":"AND(INDIRECT(A60)=\"\",RK_ziadatel_prijem_ZC<>0)","v":false},"Typ príjmu zo ZČ žiadateľa",{"$f":"AND(verzia_typ=\"KP_CSOB\",B60)","v":false}]
["RK_ziadatel_prijem_zahr_mena",{"$f":"AND(INDIRECT(A61)=\"\",RK_ziadatel_prijem_ZC_typ=\"v zahraničí\")","v":false},"Príjem v zahraničí v mene",false]
["RK_ziadatel_prac_pomer_od",{"$f":"AND(INDIRECT(A62)=\"\",RK_ziadatel_prijem_ZC<>0)","v":false},"Pracovný pomer od žiadateľa",false]
["RK_ziadatel_prac_pomer",{"$f":"AND(INDIRECT(A63)=\"\",RK_ziadatel_prijem_ZC<>0)","v":false},"Druh pracovného pomeru žiadateľa",false]
["RK_ziadatel_prac_pomer_do",{"$f":"AND(INDIRECT(A64)=\"\",RK_ziadatel_prac_pomer=\"doba určitá\")","v":false},"Pracovný pomer do žiadateľa",false]
["RK_ziadost_pocet_ucastnikov",{"$f":"INDIRECT(A65)=\"\"","v":true},"Počet účastníkov úveru",false]
["RK_ziadatel_nesulad_dan_rez",{"$f":"AND(INDIRECT(A66)=\"\",RK_ziadatel_stat_dan_rez<>\"\",RK_ziadatel_stat<>\"\",RK_ziadatel_stat_dan_rez<>RK_ziadatel_stat)","v":false},"Dôvod nesúladu daňovej rezidencie",false]
["RK_ziadost_predschvaleny",{"$f":"INDIRECT(A67)=\"\"","v":true},"Predschválený limit na úver v ČSOB",{"$f":"AND(verzia_typ=\"KP_CSOB\",B67)","v":false}]
["RK_ziadost_kombinacia",{"$f":"INDIRECT(A68)=\"\"","v":true},"Kombinácia úverov spotrebiteľ. a na bývanie",false]
["RK_ziadost_zmluva1",{"$f":"AND(INDIRECT(A69)=\"\",RK_ziadost_kombinacia=ano,spotrebitelsky_ucel=FALSE,spotrebitelsky_ucel<>\"\")","v":false},"Číslo 1. zmluvy - podľa spotrebiteľ. Zákona",false]
["RK_ziadost_sposob_cerpania",false,"Spôsob čerpania úveru",false]
["RK_ziadost_refinanc_SS",{"$f":"AND(INDIRECT(A71)=\"\",OR(ine_ucely_10,ine_ucely_9))","v":false},"Refinancovanie úverov od Stav. Sporiteľní",false]
["RK_ziadost_vypis",{"$f":"INDIRECT(A72)=\"\"","v":true},"Forma zasielania výpisu",{"$f":"AND(verzia_typ=\"KP_CSOB\",B72)","v":false}]
["RK_spoluziadatel_meno",{"$f":"AND(INDIRECT(A73)=\"\",p_spoluziadatel)","v":false},"Meno spolužiadateľa"]
["RK_spoluziadatel_priezvisko",false,"Priezvisko spolužiadateľa"]
["RK_spoluziadatel_RC",false,"Rodné číslo spolužiadateľa"]
["RK_spoluziadatel_doklad_cislo",false,"Číslo dokladu spolužiadateľa"]
["RK_spoluziadatel_doklad_druh",false,"Typ dokladu spolužiadateľa"]
["RK_spoluziadatel_rodinny_stav",false,"Rodinný stav spolužiadateľa"]
["RK_spoluziadatel_vzdelanie",false,"Vzdelanie spolužiadateľa"]
["RK_spoluziadatel_podnikanie",false,"Podnikateľská činnosť spolužiadateľa"]
["RK_spoluziadatel_prac_pomer_od",{"$f":"AND(INDIRECT(A81)=\"\",RK_spoluziadatel_prijem_ZC<>0)","v":false},"Pracovný pomer od spolužiadateľa"]
["RK_spoluziadatel_prac_pomer",{"$f":"AND(INDIRECT(A82)=\"\",RK_spoluziadatel_prijem_ZC<>0)","v":false},"Druh pracového pomeru spolužiadateľa"]
["RK_spoluziadatel_prac_pomer_do",{"$f":"AND(INDIRECT(A83)=\"\",RK_spoluziadatel_podnikanie=nie,RK_spoluziadatel_prac_pomer=\"doba určitá\")","v":false},"Pracovný pomer do spolužiadateľa"]
["RK_spoluziadatel_podnikanie_od",{"$f":"AND(INDIRECT(A84)=\"\",RK_spoluziadatel_podnikanie=ano)","v":false},"Podnikateľská činnosť od spolužiadateľa"]
["RK_spoluziadatel_podnikanie_druh",{"$f":"AND(INDIRECT(A85)=\"\",RK_spoluziadatel_podnikanie=ano)","v":false},"Druh podnikania spolužiadateľa"]
["RK_spoluziadatel_podnikanie_zisk",false,"Druh podnikania spolužiadateľa"]
["RK_spoluziadatel_ICO",{"$f":"AND(INDIRECT(A87)=\"\",RK_spoluziadatel_podnikanie=ano)","v":false},"IČO spolužiadateľa"]
["RK_spoluziadatel_ulica",{"$f":"AND(INDIRECT(A88)=\"\",p_spoluziadatel)","v":false},"Ulica, číslo spolužiadateľa"]
["RK_spoluziadatel_mesto",false,"Mesto spolužiadateľa"]
["RK_spoluziadatel_PSC",false,"PSČ spolužiadateľa"]
["RK_spoluziadatel_stat",false,"Štát spolužiadateľa"]
["RK_spoluziadatel_tel",false,"Tel. kontakt spolužiadateľa"]
["RK_spoluziadatel_mail",false,"E-mail spolužiadateľa"]
["RK_ziadatel_prijem_dochodok_typ",{"$f":"AND(INDIRECT(A94)=\"\",RK_ziadatel_prijem_dochodok<>\"\")","v":false},"Typ dôchodku žiadateľa"]
["RK_ziadatel_prijem_prispevky_typ",{"$f":"AND(INDIRECT(A95)=\"\",RK_ziadatel_prijem_prispevky<>\"\")","v":false},"Typ rodičovského príspevku žiadateľa"]
["RK_ziadatel_prijem_ine_typ",{"$f":"AND(INDIRECT(A96)=\"\",RK_ziadatel_prijem_ine<>\"\")","v":false},"Typ iných príjmov žiadateľa"]
["RK_spoluziadatel_prijem_podn",{"$f":"AND(INDIRECT(A97)=\"\",RK_spoluziadatel_podnikanie=ano)","v":false},"Príjem z podnikania spolužiadateľa"]
["RK_spoluziadatel_prijem_podn_typ",{"$f":"AND(INDIRECT(A98)=\"\",RK_spoluziadatel_podnikanie=ano,RK_spoluziadatel_prijem_podn<>0,p_spoluziadatel)","v":false},"Typ príjmu z podnikania spolužiadateľa"]
["RK_spoluziadatel_prijem_ZC_typ",{"$f":"AND(INDIRECT(A99)=\"\",RK_spoluziadatel_prijem_ZC<>0,p_spoluziadatel)","v":false},"Typ príjmu zo ZČ spolužiadateľa"]
["RK_spoluziadatel_prijem_zahr_mena",{"$f":"AND(INDIRECT(A100)=\"\",RK_spoluziadatel_prijem_ZC_typ=\"v zahraničí\")","v":false},"Príjem v zahraničí v mene"]
["RK_spoluziadatel_prijem_dochodok_typ",{"$f":"AND(INDIRECT(A101)=\"\",RK_spoluziadatel_prijem_dochodok<>\"\",p_spoluziadatel)","v":false},"Typ dôchodku spolužiadateľa"]
["RK_spoluziadatel_prijem_prispevky_typ",{"$f":"AND(INDIRECT(A102)=\"\",RK_spoluziadatel_prijem_prispevky<>\"\",p_spoluziadatel)","v":false},"Typ rodičovského príspevku spolužiadateľa"]
["RK_spoluziadatel_prijem_ine_typ",{"$f":"AND(INDIRECT(A103)=\"\",RK_spoluziadatel_prijem_ine<>\"\",p_spoluziadatel)","v":false},"Typ iných príjmov spolužiadateľa"]
["RK_ziadatel_splatka1_pom",{"$f":"AND(INDIRECT(A104)=\"\",RK_ziadatel_splatka1_druh<>\"\")","v":false},"Splátka žiadateľa"]
["RK_ziadatel_splatka1_zostatok",{"$f":"AND(INDIRECT(A105)=\"\",OR(RK_ziadatel_splatka1_druh=\"Úver - banka/sporiteľňa\",RK_ziadatel_splatka1_druh=\"Lízing\",RK_ziadatel_splatka1_druh=\"Splátkové spoločnosti\",RK_ziadatel_splatka1_druh=\"Prečerpanie BU/limit kredit.karty\"))","v":false},"Zostatok žiadateľa"]
["RK_ziadatel_splatka1_UVB",false,"Úver na bývanie žiadateľa"]
["RK_ziadatel_splatka2_pom",{"$f":"AND(INDIRECT(A107)=\"\",RK_ziadatel_splatka2_druh<>\"\")","v":false},"Splátka žiadateľa"]
["RK_ziadatel_splatka2_zostatok",{"$f":"AND(INDIRECT(A108)=\"\",OR(RK_ziadatel_splatka2_druh=\"Úver - banka/sporiteľňa\",RK_ziadatel_splatka2_druh=\"Lízing\",RK_ziadatel_splatka2_druh=\"Splátkové spoločnosti\",RK_ziadatel_splatka2_druh=\"Prečerpanie BU/limit kredit.karty\"))","v":false},"Zostatok žiadateľa"]
["RK_ziadatel_splatka2_UVB",false,"Úver na bývanie žiadateľa"]
["RK_ziadatel_splatka3_pom",{"$f":"AND(INDIRECT(A110)=\"\",RK_ziadatel_splatka3_druh<>\"\")","v":false},"Splátka žiadateľa"]
["RK_ziadatel_splatka3_zostatok",{"$f":"AND(INDIRECT(A111)=\"\",OR(RK_ziadatel_splatka3_druh=\"Úver - banka/sporiteľňa\",RK_ziadatel_splatka3_druh=\"Lízing\",RK_ziadatel_splatka3_druh=\"Splátkové spoločnosti\",RK_ziadatel_splatka3_druh=\"Prečerpanie BU/limit kredit.karty\"))","v":false},"Zostatok žiadateľa"]
["RK_ziadatel_splatka3_UVB",false,"Úver na bývanie žiadateľa"]
["RK_ziadatel_splatka4_pom",{"$f":"AND(INDIRECT(A113)=\"\",RK_ziadatel_splatka4_druh<>\"\")","v":false},"Splátka žiadateľa"]
["RK_ziadatel_splatka4_zostatok",{"$f":"AND(INDIRECT(A114)=\"\",OR(RK_ziadatel_splatka4_druh=\"Úver - banka/sporiteľňa\",RK_ziadatel_splatka4_druh=\"Lízing\",RK_ziadatel_splatka4_druh=\"Splátkové spoločnosti\",RK_ziadatel_splatka4_druh=\"Prečerpanie BU/limit kredit.karty\"))","v":false},"Zostatok žiadateľa"]
["RK_ziadatel_splatka4_UVB",false,"Úver na bývanie žiadateľa"]
["RK_ziadatel_splatka5_pom",{"$f":"AND(INDIRECT(A116)=\"\",RK_ziadatel_splatka5_druh<>\"\")","v":false},"Splátka žiadateľa"]
["RK_ziadatel_splatka5_zostatok",{"$f":"AND(INDIRECT(A117)=\"\",OR(RK_ziadatel_splatka5_druh=\"Úver - banka/sporiteľňa\",RK_ziadatel_splatka5_druh=\"Lízing\",RK_ziadatel_splatka5_druh=\"Splátkové spoločnosti\",RK_ziadatel_splatka5_druh=\"Prečerpanie BU/limit kredit.karty\"))","v":false},"Zostatok žiadateľa"]
["RK_ziadatel_splatka5_UVB",false,"Úver na bývanie žiadateľa"]
["RK_ziadatel_splatka6_pom",{"$f":"AND(INDIRECT(A119)=\"\",RK_ziadatel_splatka6_druh<>\"\")","v":false},"Splátka žiadateľa"]
["RK_ziadatel_splatka6_zostatok",{"$f":"AND(INDIRECT(A120)=\"\",OR(RK_ziadatel_splatka6_druh=\"Úver - banka/sporiteľňa\",RK_ziadatel_splatka6_druh=\"Lízing\",RK_ziadatel_splatka6_druh=\"Splátkové spoločnosti\",RK_ziadatel_splatka6_druh=\"Prečerpanie BU/limit kredit.karty\"))","v":false},"Zostatok žiadateľa"]
["RK_ziadatel_splatka6_UVB",false,"Úver na bývanie žiadateľa"]
["RK_ziadatel_zamestnavatel",{"$f":"AND(INDIRECT(A122)=\"\",RK_ziadatel_prijem_ZC<>0)","v":false},"Názov zamestnávateľa žiadateľa"]
["RK_ziadatel_zamestnavatel_ICO",false,"IČO zamestnávateľa žiadateľa"]
["RK_ziadatel_zamestnavatel_ulica",false,"Ulicu zamestnávateľa žiadateľa"]
["RK_ziadatel_zamestnavatel_mesto",false,"Mesto zamestnávateľa žiadateľa"]
["RK_ziadatel_zamestnavatel_PSC",false,"PSČ zamestnávateľa žiadateľa"]
["RK_ziadatel_zamestnavatel_stat",false,"Štát zamestnávateľa žiadateľa"]
["RK_ziadost_pocet_OU",{"$f":"INDIRECT(A128)=\"\"","v":true},"Počet objektov úveru"]
["RK_ziadatel_prac_pozicia",{"$f":"AND(INDIRECT(A129)=\"\",RK_ziadatel_prijem_ZC<>0)","v":false},"Pracovná pozícia žiadateľa"]
["RK_ziadatel_zamestnanie_typ",{"$f":"AND(INDIRECT(A130)=\"\",prijmy_ziadatel_spolu>0)","v":false},"Typ zamestnania žiadateľa"]
["RK_ziadatel_pracovna_oblast",{"$f":"INDIRECT(A131)=\"\"","v":true},"Pracovná oblasť žiadateľa"]
["RK_ziadatel_pracovna_cinnost",true,"Typ pracovnej činnosti žiadateľa"]
["RK_ziadatel_forma_vyplacania",true,"Forma vyplácania žiadateľa"]
["RK_ziadatel_zamestnavatel_rodina",{"$f":"AND(INDIRECT(A134)=\"\",RK_ziadatel_prijem_ZC>0)","v":false},"Zamestnávateľ člen rodiny žiadateľa"]
["RK_ziadatel_PEO",true,"Politicky exponovaná osoba žiadateľa"]
["RK_ziadatel_OsOVkB",true,"Osoba s osobitým vzťahom k banke žiadateľa"]
["RK_ziadatel_kor_adr_ulica",{"$f":"AND(INDIRECT(A137)=\"\",ziadatel_kor_adr)","v":false},"Ulicu korešpondenčnej adresy žiadateľa"]
["RK_ziadatel_kor_adr_mesto",{"$f":"AND(INDIRECT(A138)=\"\",ziadatel_kor_adr)","v":false},"Mesto korešpondenčnej adresy žiadateľa"]
["RK_ziadatel_kor_adr_PSC",{"$f":"AND(INDIRECT(A139)=\"\",ziadatel_kor_adr)","v":false},"PSČ korešpondenčnej adresy žiadateľa"]
["RK_ziadatel_kor_adr_stat",{"$f":"AND(INDIRECT(A140)=\"\",ziadatel_kor_adr)","v":false},"Štát korešpondenčnej adresy žiadateľa"]
["RK_spoluziadatel_zamestnavatel",{"$f":"AND(INDIRECT(A141)=\"\",RK_spoluziadatel_prijem_ZC<>0)","v":false},"Názov zamestnávateľa spolužiadateľa"]
["RK_spoluziadatel_zamestnavatel_ICO",false,"IČO zamestnávateľa spolužiadateľa"]
["RK_spoluziadatel_forma_vyplacania",{"$f":"AND(INDIRECT(A143)=\"\",RK_spoluziadatel_prijem_dochodok<>0)","v":false},"Forma vyplácania spolužiadateľa"]
["RK_spoluziadatel_zamestnavatel_ulica",false,"Ulicu zamestnávateľa spolužiadateľa"]
["RK_spoluziadatel_zamestnavatel_mesto",false,"Mesto zamestnávateľa spolužiadateľa"]
["RK_spoluziadatel_zamestnavatel_PSC",false,"PSČ zamestnávateľa spolužiadateľa"]
["RK_spoluziadatel_zamestnavatel_stat",false,"Štát zamestnávateľa spolužiadateľa"]
["RK_spoluziadatel_zamestnanie_typ",{"$f":"AND(INDIRECT(A148)=\"\",prijmy_spoludlznik_spolu>0)","v":false},"Typ zamestnania"]
["RK_spoluziadatel_prac_pozicia",false,"Pracovná pozícia spolužiadateľa"]
["RK_spoluziadatel_zamestnavatel_rodina",false,"Zamestnávateľ člen rodiny spolužiadateľa"]
["RK_spoluziadatel_statna_sluzba",false,"Štátna a verejná služba spolužiadateľa"]
["RK_spoluziadatel_PEO",{"$f":"AND(INDIRECT(A152)=\"\",p_spoluziadatel)","v":false},"Politicky exponovaná osoba spolužiadateľa"]
["RK_spoluziadatel_OsOVkB",{"$f":"AND(INDIRECT(A153)=\"\",p_spoluziadatel)","v":false},"Osoba s osobitým vzťahom k banke spolužiadateľa"]
["RK_spoluziadatel_kor_adr_ulica",{"$f":"AND(INDIRECT(A154)=\"\",spoluziadatel_kor_adr)","v":false},"Ulicu korešpondenčnej adresy spolužiadateľa"]
["RK_spoluziadatel_kor_adr_mesto",{"$f":"AND(INDIRECT(A155)=\"\",spoluziadatel_kor_adr)","v":false},"Mesto korešpondenčnej adresy spolužiadateľa"]
["RK_spoluziadatel_kor_adr_PSC",{"$f":"AND(INDIRECT(A156)=\"\",spoluziadatel_kor_adr)","v":false},"PSČ korešpondenčnej adresy spolužiadateľa"]
["RK_spoluziadatel_kor_adr_stat",{"$f":"AND(INDIRECT(A157)=\"\",spoluziadatel_kor_adr)","v":false},"Štát korešpondenčnej adresy spolužiadateľa"]
["RK_OU1_druh",{"$f":"AND(INDIRECT(A158)=\"\",RK_ziadost_pocet_OU>0)","v":false},"Druh objektu úveru 1"]
["RK_OU1_LV",{"$f":"AND(INDIRECT(A159)=\"\",RK_ziadost_pocet_OU>0)","v":false},"List vlastnícvta objektu úveru 1"]
["RK_OU1_kataster",{"$f":"AND(INDIRECT(A160)=\"\",RK_ziadost_pocet_OU>0)","v":false},"Katastrálne územie objektu úveru 1"]
["RK_OU1_supisne",{"$f":"AND(INDIRECT(A161)=\"\",RK_ziadost_pocet_OU>0,RK_OU1_druh<>\"Rozostavaný byt\",RK_OU1_druh<>\"Rozostavaný rodinný dom\",RK_OU1_druh<>\"Stavebný pozemok\")","v":false},"Súpisné číslo objektu úveru 1"]
["RK_OU1_cislo_bytu",{"$f":"AND(INDIRECT(A162)=\"\",RK_ziadost_pocet_OU>0,RK_OU1_druh=\"Byt\")","v":false},"Číslo bytu objektu úveru 1"]
["RK_OU1_vchod",{"$f":"AND(INDIRECT(A163)=\"\",RK_ziadost_pocet_OU>0,RK_OU1_druh=\"Byt\")","v":false},"Vchod objektu úveru 1"]
["RK_OU1_ulica",{"$f":"AND(INDIRECT(A164)=\"\",RK_ziadost_pocet_OU>0)","v":false},"Ulica, číslo objektu úveru 1"]
["RK_OU1_mesto",{"$f":"AND(INDIRECT(A165)=\"\",RK_ziadost_pocet_OU>0)","v":false},"Mesto objektu úveru 1"]
["RK_OU1_kraj",{"$f":"AND(INDIRECT(A166)=\"\",RK_ziadost_pocet_OU>0)","v":false},"Kraj objektu úveru 1"]
["RK_OU1_okres",{"$f":"AND(INDIRECT(A167)=\"\",RK_ziadost_pocet_OU>0)","v":false},"Okres objektu úveru 1"]
["RK_OU2_druh",{"$f":"AND(INDIRECT(A168)=\"\",RK_ziadost_pocet_OU>1)","v":false},"Druh objektu úveru 2"]
["RK_OU2_LV",{"$f":"AND(INDIRECT(A169)=\"\",RK_ziadost_pocet_OU>1)","v":false},"List vlastnícvta objektu úveru 2"]
["RK_OU2_kataster",{"$f":"AND(INDIRECT(A170)=\"\",RK_ziadost_pocet_OU>1)","v":false},"Katastrálne územie objektu úveru 2"]
["RK_OU2_supisne",{"$f":"AND(INDIRECT(A171)=\"\",RK_ziadost_pocet_OU>1,RK_OU2_druh<>\"Rozostavaný byt\",RK_OU2_druh<>\"Rozostavaný rodinný dom\",RK_OU2_druh<>\"Stavebný pozemok\")","v":false},"Súpisné číslo objektu úveru 2"]
["RK_OU2_cislo_bytu",{"$f":"AND(INDIRECT(A172)=\"\",RK_ziadost_pocet_OU>1,RK_OU2_druh=\"Byt\")","v":false},"Číslo bytu objektu úveru 2"]
["RK_OU2_vchod",{"$f":"AND(INDIRECT(A173)=\"\",RK_ziadost_pocet_OU>1,RK_OU2_druh=\"Byt\")","v":false},"Vchod objektu úveru 2"]
["RK_OU2_ulica",{"$f":"AND(INDIRECT(A174)=\"\",RK_ziadost_pocet_OU>1)","v":false},"Ulica, číslo objektu úveru 2"]
["RK_OU2_mesto",{"$f":"AND(INDIRECT(A175)=\"\",RK_ziadost_pocet_OU>1)","v":false},"Mesto objektu úveru 2"]
["RK_OU2_kraj",{"$f":"AND(INDIRECT(A176)=\"\",RK_ziadost_pocet_OU>1)","v":false},"Kraj objektu úveru 2"]
["RK_OU2_okres",{"$f":"AND(INDIRECT(A177)=\"\",RK_ziadost_pocet_OU>1)","v":false},"Okres objektu úveru 2"]
["RK_OU3_druh",{"$f":"AND(INDIRECT(A178)=\"\",RK_ziadost_pocet_OU>2)","v":false},"Druh objektu úveru 3"]
["RK_OU3_LV",{"$f":"AND(INDIRECT(A179)=\"\",RK_ziadost_pocet_OU>2)","v":false},"List vlastnícvta objektu úveru 3"]
["RK_OU3_kataster",{"$f":"AND(INDIRECT(A180)=\"\",RK_ziadost_pocet_OU>2)","v":false},"Katastrálne územie objektu úveru 3"]
["RK_OU3_supisne",{"$f":"AND(INDIRECT(A181)=\"\",RK_ziadost_pocet_OU>2,RK_OU3_druh<>\"Rozostavaný byt\",RK_OU3_druh<>\"Rozostavaný rodinný dom\",RK_OU3_druh<>\"Stavebný pozemok\")","v":false},"Súpisné číslo objektu úveru 3"]
["RK_OU3_cislo_bytu",{"$f":"AND(INDIRECT(A182)=\"\",RK_ziadost_pocet_OU>2,RK_OU3_druh=\"Byt\")","v":false},"Číslo bytu objektu úveru 3"]
["RK_OU3_vchod",{"$f":"AND(INDIRECT(A183)=\"\",RK_ziadost_pocet_OU>2,RK_OU3_druh=\"Byt\")","v":false},"Vchod objektu úveru 3"]
["RK_OU3_ulica",{"$f":"AND(INDIRECT(A184)=\"\",RK_ziadost_pocet_OU>2)","v":false},"Ulica, číslo objektu úveru 3"]
["RK_OU3_mesto",{"$f":"AND(INDIRECT(A185)=\"\",RK_ziadost_pocet_OU>2)","v":false},"Mesto objektu úveru 3"]
["RK_OU3_kraj",{"$f":"AND(INDIRECT(A186)=\"\",RK_ziadost_pocet_OU>2)","v":false},"Kraj objektu úveru 3"]
["RK_OU3_okres",{"$f":"AND(INDIRECT(A187)=\"\",RK_ziadost_pocet_OU>2)","v":false},"Okres objektu úveru 3"]
["RK_OU4_druh",{"$f":"AND(INDIRECT(A188)=\"\",RK_ziadost_pocet_OU>3)","v":false},"Druh objektu úveru 4"]
["RK_OU4_LV",{"$f":"AND(INDIRECT(A189)=\"\",RK_ziadost_pocet_OU>3)","v":false},"List vlastnícvta objektu úveru 4"]
["RK_OU4_kataster",{"$f":"AND(INDIRECT(A190)=\"\",RK_ziadost_pocet_OU>3)","v":false},"Katastrálne územie objektu úveru 4"]
["RK_OU4_supisne",{"$f":"AND(INDIRECT(A191)=\"\",RK_ziadost_pocet_OU>3,RK_OU4_druh<>\"Rozostavaný byt\",RK_OU4_druh<>\"Rozostavaný rodinný dom\",RK_OU4_druh<>\"Stavebný pozemok\")","v":false},"Súpisné číslo objektu úveru 4"]
["RK_OU4_cislo_bytu",{"$f":"AND(INDIRECT(A192)=\"\",RK_ziadost_pocet_OU>3,RK_OU4_druh=\"Byt\")","v":false},"Číslo bytu objektu úveru 4"]
["RK_OU4_vchod",{"$f":"AND(INDIRECT(A193)=\"\",RK_ziadost_pocet_OU>3,RK_OU4_druh=\"Byt\")","v":false},"Vchod objektu úveru 4"]
["RK_OU4_ulica",{"$f":"AND(INDIRECT(A194)=\"\",RK_ziadost_pocet_OU>3)","v":false},"Ulica, číslo objektu úveru 4"]
["RK_OU4_mesto",{"$f":"AND(INDIRECT(A195)=\"\",RK_ziadost_pocet_OU>3)","v":false},"Mesto objektu úveru 4"]
["RK_OU4_kraj",{"$f":"AND(INDIRECT(A196)=\"\",RK_ziadost_pocet_OU>3)","v":false},"Kraj objektu úveru 4"]
["RK_OU4_okres",{"$f":"AND(INDIRECT(A197)=\"\",RK_ziadost_pocet_OU>3)","v":false},"Okres objektu úveru 4"]
["RK_pristupitel_meno",{"$f":"AND(INDIRECT(A198)=\"\",p_pristupitel)","v":false},"Meno spolužiadateľa 2"]
["RK_pristupitel_priezvisko",false,"Priezvisko spolužiadateľa 2"]
["RK_pristupitel_RC",false,"Rodné číslo spolužiadateľa 2"]
["RK_pristupitel_doklad_cislo",false,"Číslo dokladu spolužiadateľa 2"]
["RK_pristupitel_doklad_druh",false,"Typ dokladu spolužiadateľa 2"]
["RK_pristupitel_vztah_ziadatel",false,"Vzťah spolupristupiteľa 2 k žiadateľovi"]
["RK_pristupitel_rodinny_stav",false,"Rodinný stav spolužiadateľa 2"]
["RK_pristupitel_vzdelanie",false,"Vzdelanie spolužiadateľa 2"]
["RK_pristupitel_ulica",false,"Ulica, číslo spolužiadateľa 2"]
["RK_pristupitel_mesto",false,"Mesto spolužiadateľa 2"]
["RK_pristupitel_PSC",false,"PSČ spolužiadateľa 2"]
["RK_pristupitel_stat",false,"Štát spolužiadateľa 2"]
["RK_pristupitel_tel",false,"Tel. kontakt spolužiadateľa 2"]
["RK_pristupitel_mail",false,"E-mail spolužiadateľa 2"]
["RK_pristupitel_pocet_clenov_doma",false,"Počet členov domácnosti spolužiadateľa 2"]
["RK_pristupitel_deti",false,"Počet nezaopatrených detí spolužiadateľa 2"]
["RK_pristupitel_podnikanie",false,"Podnikateľská činnosť spolužiadateľa 2"]
["RK_pristupitel_prac_pomer_od",{"$f":"AND(INDIRECT(A215)=\"\",p_pristupitel,RK_pristupitel_prijem_ZC<>0)","v":false},"Pracovný pomer od spolužiadateľa 2"]
["RK_pristupitel_prac_pomer",{"$f":"AND(INDIRECT(A216)=\"\",p_pristupitel,RK_pristupitel_prijem_ZC<>0)","v":false},"Druh pracovného pomeru spolužiadateľa 2"]
["RK_pristupitel_prac_pomer_do",{"$f":"AND(INDIRECT(A217)=\"\",p_pristupitel,RK_pristupitel_podnikanie=nie,RK_pristupitel_prac_pomer=\"doba určitá\")","v":false},"Pracovný pomer do spolužiadateľa 2"]
["RK_pristupitel_zamestnanie_typ",{"$f":"AND(INDIRECT(A218)=\"\",p_pristupitel,prijmy_pristupitel_spolu>0)","v":false},"Typ zamestnania spolužiadateľa 2"]
["RK_pristupitel_prac_pozicia",{"$f":"AND(INDIRECT(A219)=\"\",p_pristupitel,RK_pristupitel_prijem_ZC<>\"\")","v":false},"Pracovná pozícia / funkcia spolužiadateľa 2"]
["RK_pristupitel_podnikanie_od",{"$f":"AND(INDIRECT(A220)=\"\",p_pristupitel,RK_pristupitel_podnikanie=ano)","v":false},"Podnikateľská činnosť od spolužiadateľa 2"]
["RK_pristupitel_podnikanie_druh",{"$f":"AND(INDIRECT(A221)=\"\",p_pristupitel,RK_pristupitel_podnikanie=ano)","v":false},"Druh podnikania spolužiadateľa 2"]
["RK_pristupitel_podnikanie_zisk",false,"Druh podnikania spolužiadateľa 2"]
["RK_pristupitel_ICO",{"$f":"AND(INDIRECT(A223)=\"\",p_pristupitel,RK_pristupitel_podnikanie=ano)","v":false},"IČO spolužiadateľa 2"]
["RK_pristupitel_forma_vyplacania",{"$f":"AND(INDIRECT(A224)=\"\",p_pristupitel,RK_pristupitel_prijem_dochodok<>0)","v":false},"Forma vyplácania spolužiadateľa 2"]
["RK_pristupitel_PEO",{"$f":"AND(INDIRECT(A225)=\"\",p_pristupitel)","v":false},"Politicky exponovaná osoba spolužiadateľa 2"]
["RK_pristupitel_OsOVkB",{"$f":"AND(INDIRECT(A226)=\"\",p_pristupitel)","v":false},"Osoba s osobitým vzťahom k banke spolužiadateľa 2"]
["RK_pristupitel_zamestnavatel",{"$f":"AND(INDIRECT(A227)=\"\",RK_pristupitel_prijem_ZC<>0)","v":false},"Názov zamestnávateľa spolužiadateľa 2"]
["RK_pristupitel_zamestnavatel_ICO",false,"IČO zamestnávateľa spolužiadateľa 2"]
["RK_pristupitel_zamestnavatel_rodina",false,"Zamestnávateľ člen rodiny spolužiadateľa 2"]
["RK_pristupitel_statna_sluzba",false,"Štátna a verejná služba spoluspolužiadateľa 2 2"]
["RK_pristupitel_zamestnavatel_ulica",false,"Ulicu zamestnávateľa spolužiadateľa 2"]
["RK_pristupitel_zamestnavatel_mesto",false,"Mesto zamestnávateľa spolužiadateľa 2"]
["RK_pristupitel_zamestnavatel_PSC",false,"PSČ zamestnávateľa spolužiadateľa 2"]
["RK_pristupitel_zamestnavatel_stat",false,"Štát zamestnávateľa spolužiadateľa 2"]
["RK_pristupitel_kor_adr_ulica",{"$f":"AND(INDIRECT(A235)=\"\",p_pristupitel,pristupitel_kor_adr)","v":false},"Ulicu korešpondenčnej adresy spolužiadateľa 2"]
["RK_pristupitel_kor_adr_mesto",{"$f":"AND(INDIRECT(A236)=\"\",p_pristupitel,pristupitel_kor_adr)","v":false},"Mesto korešpondenčnej adresy spolužiadateľa 2"]
["RK_pristupitel_kor_adr_PSC",{"$f":"AND(INDIRECT(A237)=\"\",p_pristupitel,pristupitel_kor_adr)","v":false},"PSČ korešpondenčnej adresy spolužiadateľa 2"]
["RK_pristupitel_kor_adr_stat",{"$f":"AND(INDIRECT(A238)=\"\",p_pristupitel,pristupitel_kor_adr)","v":false},"Štát korešpondenčnej adresy spolužiadateľa 2"]
["RK_spolupristupitel_meno",{"$f":"AND(INDIRECT(A239)=\"\",p_spolupristupitel)","v":false},"Meno spolužiadateľa 3"]
["RK_spolupristupitel_priezvisko",{"$f":"AND(INDIRECT(A240)=\"\",p_spolupristupitel)","v":false},"Priezvisko spolužiadateľa 3"]
["RK_spolupristupitel_RC",false,"Rodné číslo spolužiadateľa 3"]
["RK_spolupristupitel_doklad_cislo",false,"Číslo dokladu spolužiadateľa 3"]
["RK_spolupristupitel_doklad_druh",false,"Typ dokladu spolužiadateľa 3"]
["RK_spolupristupitel_rodinny_stav",false,"Rodinný stav spolužiadateľa 3"]
["RK_spolupristupitel_vzdelanie",false,"Vzdelanie spolužiadateľa 3"]
["RK_spolupristupitel_ulica",false,"Ulica, číslo spolužiadateľa 3"]
["RK_spolupristupitel_mesto",false,"Mesto spolužiadateľa 3"]
["RK_spolupristupitel_PSC",false,"PSČ spolužiadateľa 3"]
["RK_spolupristupitel_stat",false,"Štát spolužiadateľa 3"]
["RK_spolupristupitel_tel",false,"Tel. kontakt spolužiadateľa 3"]
["RK_spolupristupitel_mail",false,"E-mail spolužiadateľa 3"]
["RK_spolupristupitel_podnikanie",false,"Podnikateľská činnosť spolužiadateľa 3"]
["RK_spolupristupitel_prac_pomer_od",{"$f":"AND(INDIRECT(A253)=\"\",p_spolupristupitel,RK_spolupristupitel_prijem_ZC<>0)","v":false},"Pracovný pomer od spolužiadateľa 3"]
["RK_spolupristupitel_prac_pomer",{"$f":"AND(INDIRECT(A254)=\"\",p_spolupristupitel,RK_spolupristupitel_prijem_ZC<>0)","v":false},"Druh pracovného pomeru spolužiadateľa 3"]
["RK_spolupristupitel_prac_pomer_do",{"$f":"AND(INDIRECT(A255)=\"\",p_spolupristupitel,RK_spolupristupitel_prijem_ZC<>0,RK_spolupristupitel_prac_pomer=\"doba určitá\")","v":false},"Pracovný pomer do spolužiadateľa 3"]
["RK_spolupristupitel_zamestnanie_typ",{"$f":"AND(INDIRECT(A256)=\"\",p_spolupristupitel,prijmy_manz_pristupitela_spolu>0)","v":false},"Typ zamestnania spolužiadateľa 3"]
["RK_spolupristupitel_prac_pozicia",{"$f":"AND(INDIRECT(A257)=\"\",p_spolupristupitel,RK_spolupristupitel_prijem_ZC<>\"\")","v":false},"Pracovná pozícia / funkcia spolužiadateľa 3"]
["RK_spolupristupitel_podnikanie_od",{"$f":"AND(INDIRECT(A258)=\"\",p_spolupristupitel,RK_spolupristupitel_podnikanie=ano)","v":false},"Podnikateľská činnosť od spolužiadateľa 3"]
["RK_spolupristupitel_podnikanie_druh",{"$f":"AND(INDIRECT(A259)=\"\",p_spolupristupitel,RK_spolupristupitel_podnikanie=ano)","v":false},"Druh podnikania spolužiadateľa 3"]
["RK_spolupristupitel_podnikanie_zisk",false,"Druh podnikania spolužiadateľa 3"]
["RK_spolupristupitel_ICO",{"$f":"AND(INDIRECT(A261)=\"\",p_spolupristupitel,RK_spolupristupitel_podnikanie=ano)","v":false},"IČO spolužiadateľa 3"]
["RK_spolupristupitel_forma_vyplacania",{"$f":"AND(INDIRECT(A262)=\"\",p_spolupristupitel,RK_spolupristupitel_prijem_dochodok<>0)","v":false},"Forma vyplácania spolužiadateľa 3"]
["RK_spolupristupitel_PEO",{"$f":"AND(INDIRECT(A263)=\"\",p_spolupristupitel)","v":false},"Politicky exponovaná osoba spolužiadateľa 3"]
["RK_spolupristupitel_OsOVkB",{"$f":"AND(INDIRECT(A264)=\"\",p_spolupristupitel)","v":false},"Osoba s osobitým vzťahom k banke spolužiadateľa 3"]
["RK_spolupristupitel_zamestnavatel",{"$f":"AND(INDIRECT(A265)=\"\",RK_spolupristupitel_prijem_ZC<>0)","v":false},"Názov zamestnávateľa spolužiadateľa 3"]
["RK_spolupristupitel_zamestnavatel_ICO",false,"IČO zamestnávateľa spolužiadateľa 3"]
["RK_spolupristupitel_zamestnavatel_rodina",false,"Zamestnávateľ člen rodiny spolužiadateľa 3"]
["RK_spolupristupitel_statna_sluzba",false,"Štátna a verejná služba spolužiadateľa 3"]
["RK_spolupristupitel_zamestnavatel_ulica",false,"Ulicu zamestnávateľa spolužiadateľa 3"]
["RK_spolupristupitel_zamestnavatel_mesto",false,"Mesto zamestnávateľa spolužiadateľa 3"]
["RK_spolupristupitel_zamestnavatel_PSC",false,"PSČ zamestnávateľa spolužiadateľa 3"]
["RK_spolupristupitel_zamestnavatel_stat",false,"Štát zamestnávateľa spolužiadateľa 3"]
["RK_spolupristupitel_kor_adr_ulica",{"$f":"AND(INDIRECT(A273)=\"\",p_spolupristupitel,spolupristupitel_kor_adr)","v":false},"Ulicu korešpondenčnej adresy spolužiadateľa 3"]
["RK_spolupristupitel_kor_adr_mesto",{"$f":"AND(INDIRECT(A274)=\"\",p_spolupristupitel,spolupristupitel_kor_adr)","v":false},"Mesto korešpondenčnej adresy spolužiadateľa 3"]
["RK_spolupristupitel_kor_adr_PSC",{"$f":"AND(INDIRECT(A275)=\"\",p_spolupristupitel,spolupristupitel_kor_adr)","v":false},"PSČ korešpondenčnej adresy spolužiadateľa 3"]
["RK_spolupristupitel_kor_adr_stat",{"$f":"AND(INDIRECT(A276)=\"\",p_spolupristupitel,spolupristupitel_kor_adr)","v":false},"Štát korešpondenčnej adresy spolužiadateľa 3"]
["RK_pristupitel_prijem_podn",{"$f":"AND(INDIRECT(A277)=\"\",p_pristupitel,RK_pristupitel_podnikanie=ano)","v":false},"Príjem z podnikania spolužiadateľa 2"]
["RK_pristupitel_prijem_podn_typ",{"$f":"AND(INDIRECT(A278)=\"\",p_pristupitel,RK_pristupitel_podnikanie=ano,RK_pristupitel_prijem_podn<>0)","v":false},"Typ príjmu z podnikania spolužiadateľa 2"]
["RK_pristupitel_prijem_ZC",false,"Príjem zo ZČ spolužiadateľa 2"]
["RK_pristupitel_prijem_ZC_typ",{"$f":"AND(INDIRECT(A280)=\"\",p_pristupitel,RK_pristupitel_prijem_ZC<>\"\")","v":false},"Typ príjmu zo ZČ spolužiadateľa 2"]
["RK_pristupitel_prijem_zahr_mena",{"$f":"AND(INDIRECT(A281)=\"\",RK_pristupitel_prijem_ZC_typ=\"v zahraničí\")","v":false},"Príjem v zahraničí v mene"]
["RK_pristupitel_prijem_dochodok_typ",{"$f":"AND(INDIRECT(A282)=\"\",RK_pristupitel_prijem_dochodok<>\"\")","v":false},"Typ dôchodku spolužiadateľa 2"]
["RK_pristupitel_prijem_prispevky_typ",{"$f":"AND(INDIRECT(A283)=\"\",RK_pristupitel_prijem_prispevky<>\"\")","v":false},"Typ rodičovského príspevku spolužiadateľa 2"]
["RK_pristupitel_prijem_ine_typ",{"$f":"AND(INDIRECT(A284)=\"\",RK_pristupitel_prijem_ine<>\"\")","v":false},"Typ iných príjmov spolužiadateľa 2"]
["RK_spolupristupitel_prijem_podn",{"$f":"AND(INDIRECT(A285)=\"\",p_spolupristupitel,RK_spolupristupitel_podnikanie=ano)","v":false},"Príjem z podnikania spolužiadateľa 3"]
["RK_spolupristupitel_prijem_podn_typ",{"$f":"AND(INDIRECT(A286)=\"\",p_spolupristupitel,RK_spolupristupitel_podnikanie=ano,RK_spolupristupitel_prijem_podn<>0)","v":false},"Typ príjmu z podnikania spolužiadateľa 3"]
["RK_spolupristupitel_prijem_ZC_typ",{"$f":"AND(INDIRECT(A287)=\"\",p_spolupristupitel,RK_spolupristupitel_prijem_ZC<>\"\")","v":false},"Typ príjmu zo ZČ spolužiadateľa 3"]
["RK_spolupristupitel_prijem_zahr_mena",{"$f":"AND(INDIRECT(A288)=\"\",RK_spolupristupitel_prijem_ZC_typ=\"v zahraničí\")","v":false},"Príjem v zahraničí v mene"]
["RK_spolupristupitel_prijem_dochodok_typ",{"$f":"AND(INDIRECT(A289)=\"\",RK_spolupristupitel_prijem_dochodok<>\"\")","v":false},"Typ dôchodku spolužiadateľa 3"]
["RK_spolupristupitel_prijem_prispevky_typ",{"$f":"AND(INDIRECT(A290)=\"\",RK_spolupristupitel_prijem_prispevky<>\"\")","v":false},"Typ rodičovského príspevku spolužiadateľa 3"]
["RK_spolupristupitel_prijem_ine_typ",{"$f":"AND(INDIRECT(A291)=\"\",RK_spolupristupitel_prijem_ine<>\"\")","v":false},"Typ iných príjmov spolužiadateľa 3"]
["RK_pristupitel_splatka1_pom",{"$f":"AND(INDIRECT(A292)=\"\",RK_pristupitel_splatka1_druh<>\"\")","v":false},"Splátka spolužiadateľa 2"]
["RK_pristupitel_splatka1_zostatok",{"$f":"AND(INDIRECT(A293)=\"\",OR(RK_pristupitel_splatka1_druh=\"Úver - banka/sporiteľňa\",RK_pristupitel_splatka1_druh=\"Lízing\",RK_pristupitel_splatka1_druh=\"Splátkové spoločnosti\",RK_pristupitel_splatka1_druh=\"Prečerpanie BU/limit kredit.karty\"))","v":false},"Zostatok spolužiadateľa 2"]
["RK_pristupitel_splatka1_UVB",false,"Úver na bývanie spolužiadateľa 2"]
["RK_pristupitel_splatka2_pom",{"$f":"AND(INDIRECT(A295)=\"\",RK_pristupitel_splatka2_druh<>\"\")","v":false},"Splátka spolužiadateľa 2"]
["RK_pristupitel_splatka2_zostatok",{"$f":"AND(INDIRECT(A296)=\"\",OR(RK_pristupitel_splatka2_druh=\"Úver - banka/sporiteľňa\",RK_pristupitel_splatka2_druh=\"Lízing\",RK_pristupitel_splatka2_druh=\"Splátkové spoločnosti\",RK_pristupitel_splatka2_druh=\"Prečerpanie BU/limit kredit.karty\"))","v":false},"Zostatok spolužiadateľa 2"]
["RK_pristupitel_splatka2_UVB",false,"Úver na bývanie spolužiadateľa 2"]
["RK_pristupitel_splatka3_pom",{"$f":"AND(INDIRECT(A298)=\"\",RK_pristupitel_splatka3_druh<>\"\")","v":false},"Splátka spolužiadateľa 2"]
["RK_pristupitel_splatka3_zostatok",{"$f":"AND(INDIRECT(A299)=\"\",OR(RK_pristupitel_splatka3_druh=\"Úver - banka/sporiteľňa\",RK_pristupitel_splatka3_druh=\"Lízing\",RK_pristupitel_splatka3_druh=\"Splátkové spoločnosti\",RK_pristupitel_splatka3_druh=\"Prečerpanie BU/limit kredit.karty\"))","v":false},"Zostatok spolužiadateľa 2"]
["RK_pristupitel_splatka3_UVB",false,"Úver na bývanie spolužiadateľa 2"]
["RK_pristupitel_splatka4_pom",{"$f":"AND(INDIRECT(A301)=\"\",RK_pristupitel_splatka4_druh<>\"\")","v":false},"Splátka spolužiadateľa 2"]
["RK_pristupitel_splatka4_zostatok",{"$f":"AND(INDIRECT(A302)=\"\",OR(RK_pristupitel_splatka4_druh=\"Úver - banka/sporiteľňa\",RK_pristupitel_splatka4_druh=\"Lízing\",RK_pristupitel_splatka4_druh=\"Splátkové spoločnosti\",RK_pristupitel_splatka4_druh=\"Prečerpanie BU/limit kredit.karty\"))","v":false},"Zostatok spolužiadateľa 2"]
["RK_pristupitel_splatka4_UVB",false,"Úver na bývanie spolužiadateľa 2"]
["RK_pristupitel_splatka5_pom",{"$f":"AND(INDIRECT(A304)=\"\",RK_pristupitel_splatka5_druh<>\"\")","v":false},"Splátka spolužiadateľa 2"]
["RK_pristupitel_splatka5_zostatok",{"$f":"AND(INDIRECT(A305)=\"\",OR(RK_pristupitel_splatka5_druh=\"Úver - banka/sporiteľňa\",RK_pristupitel_splatka5_druh=\"Lízing\",RK_pristupitel_splatka5_druh=\"Splátkové spoločnosti\",RK_pristupitel_splatka5_druh=\"Prečerpanie BU/limit kredit.karty\"))","v":false},"Zostatok spolužiadateľa 2"]
["RK_pristupitel_splatka5_UVB",false,"Úver na bývanie spolužiadateľa 2"]
["RK_pristupitel_splatka6_pom",{"$f":"AND(INDIRECT(A307)=\"\",RK_pristupitel_splatka6_druh<>\"\")","v":false},"Splátka spolužiadateľa 2"]
["RK_pristupitel_splatka6_zostatok",{"$f":"AND(INDIRECT(A308)=\"\",OR(RK_pristupitel_splatka6_druh=\"Úver - banka/sporiteľňa\",RK_pristupitel_splatka6_druh=\"Lízing\",RK_pristupitel_splatka6_druh=\"Splátkové spoločnosti\",RK_pristupitel_splatka6_druh=\"Prečerpanie BU/limit kredit.karty\"))","v":false},"Zostatok spolužiadateľa 2"]
["RK_pristupitel_splatka6_UVB",false,"Úver na bývanie spolužiadateľa 2"]
["RK_ziadost_prevzatie",{"$f":"INDIRECT(A310)=\"\"","v":true},"Spôsob prevzatia dokumentov"]
["STOP",false,"STOP!"]
["celkové vyhodnotenie",{"$f":"OR(B3:B311)","v":true},{"$f":"IF(B312,VLOOKUP(TRUE,B3:C311,2,FALSE),IF(RK_chyb_hl_stop_vyhodnotenie,\"STOP!\",\"OK\"))","v":"Spracovanie žiadosti"}]

{"sheet":"REKO_RPMN","index":30,"n_rows":371,"n_cols":24,"rows_kept":371,"cut":false,"hidden":true,"merged":[]}
[null,null,null,null,null,"Pripomienky:",null,null,null,null,null,null,null,null,null,null,null,null,"Ročné poplatky","správa účtu","papier. Výpis","elek.výpis","SPOLU"]
["Výška úveru",null,{"$f":"min_NS_suma","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"pre MU",16,{"$f":"2.5+3.5","v":6},0,{"$f":"T2+U2","v":22},{"$f":"W2/C7","v":{"$error":"#N/A"}}]
["Splátka MU+popl",null,{"$f":"SUM(RK_MU_splatka_uroky,RK_vypis_mesacne,RK_vypisMU_mesacne,RK_sprava_SS_mesacne,RK_poistne_MU)","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"pre SU",null,2.5,0,{"$f":"U3","v":2.5},{"$f":"W3/C8","v":{"$error":"#N/A"}}]
["Popl. za schavlenie Mu",null,{"$f":"popl_spracovanie","v":0}]
["SU vyska",null,{"$f":"RK_SU_vyska","v":{"$error":"#N/A"}}]
["Splátka SU+popl",null,{"$f":"RK_SU_splatka+RK_poistne_SU","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,"Alternatívny výpočet",null,{"$f":"(1+RATE(C8,-C6-X3,C5,,0))^12-1","v":{"$error":"#N/A"}}]
["Počet mes MU",null,{"$f":"RK_splatnost_MU","v":{"$error":"#N/A"}}]
["Počet mes SU",null,{"$f":"RK_splatnost_SU","v":{"$error":"#N/A"}},null,null,"RPMN MU",null,null,null,null,null,"RPMN SU"]
[null,null,null,null,null,null,{"$f":"SUM(I12:I371)","v":{"$error":"#N/A"}},null,null,null,null,null,{"$f":"SUM(O12:O371)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,{"$f":"G9-C2","v":{"$error":"#N/A"}},null,null,null,null,null,{"$f":"C5-M9","v":{"$error":"#N/A"}}]
["Mesiace",null,null,null,null,"Dni","Dni kumulat","Cash flow","Diskont Cash flow",null,null,"Dni","Dni kumulat","Cash flow","Diskont Cash flow"]
[0,null,null,null,null,1,{"$f":"+F12","v":1},null,{"$f":"H12/(1+$G$8)^(G12/365)","v":0},null,null,null,null,null,null,null,{"$f":"C5","v":{"$error":"#N/A"}},{"$f":"Q12*0.05/12","v":{"$error":"#N/A"}}]
[1,null,null,null,null,{"$f":"30.42","v":30.42},{"$f":"F13+G12","v":31.42},{"$f":"IF(A12<$C$7,$C$3,IF($C$7=A12,$C$2+$C$3+$W$2,0))","v":{"$error":"#N/A"}},{"$f":"H13/(1+$G$8)^(G13/365)","v":{"$error":"#N/A"}},null,null,{"$f":"30.42","v":30.42},{"$f":"+L13+M12","v":30.42},{"$f":"IF(AND(Q13=0,A13=$C$8),Q12,IF(A12<$C$8,$C$6,0))","v":{"$error":"#N/A"}},{"$f":"N13/(1+$M$8)^(M13/365)","v":{"$error":"#N/A"}},null,{"$f":"IF(A13<$C$8,Q12-$C$6+R12,0)","v":{"$error":"#N/A"}},{"$f":"Q13*0.05/12","v":{"$error":"#N/A"}},null,"výpočty na RPMN cez rate pre MU"]
[2,null,null,null,null,30.416,{"$f":"+F14+G13","v":61.835999999999999},{"$f":"IF(A13<$C$7,$C$3,IF($C$7=A13,$C$2+$C$3+$W$2,0))","v":{"$error":"#N/A"}},{"$f":"H14/(1+$G$8)^(G14/365)","v":{"$error":"#N/A"}},null,null,30.416,{"$f":"+L14+M13","v":60.835999999999999},{"$error":"#N/A"},{"$f":"N14/(1+$M$8)^(M14/365)","v":{"$error":"#N/A"}},null,{"$f":"IF(A14<$C$8,Q13-$C$6+R13,0)","v":{"$error":"#N/A"}},{"$f":"Q14*0.05/12","v":{"$error":"#N/A"}},null,null,{"$f":"(1+RATE(108,-C3-X3-C6-X2,C2))^12-1","v":{"$error":"#N/A"}}]
[3,null,null,null,null,30.416,{"$f":"+F15+G14","v":92.251999999999995},{"$error":"#N/A"},{"$error":"#N/A"},null,null,30.416,{"$f":"+L15+M14","v":91.251999999999995},{"$error":"#N/A"},{"$error":"#N/A"},null,{"$error":"#N/A"},{"$error":"#N/A"},null,{"$f":"15000/9","v":1666.6666666666667},{"$f":"T15/12","v":138.88888888888889}]
[4,null,null,null,null,30.416,122.66799999999999,{"$error":"#N/A"},{"$error":"#N/A"},null,null,30.416,121.66799999999999,{"$error":"#N/A"},{"$error":"#N/A"},null,{"$error":"#N/A"},{"$error":"#N/A"}]
[5,null,null,null,null,30.416,153.084,{"$error":"#N/A"},{"$error":"#N/A"},null,null,30.416,152.084,{"$error":"#N/A"},{"$error":"#N/A"},null,{"$error":"#N/A"},{"$error":"#N/A"}]
[6,null,null,null,null,30.416,183.5,{"$error":"#N/A"},{"$error":"#N/A"},null,null,30.416,182.5,{"$error":"#N/A"},{"$error":"#N/A"},null,{"$error":"#N/A"},{"$error":"#N/A"}]
[7,null,null,null,null,30.416,213.916,{"$error":"#N/A"},{"$error":"#N/A"},null,null,30.416,212.916,{"$error":"#N/A"},{"$error":"#N/A"},null,{"$error":"#N/A"},{"$error":"#N/A"}]
[8,null,null,null,null,30.416,244.33199999999999,{"$error":"#N/A"},{"$error":"#N/A"},null,null,30.416,243.33199999999999,{"$error":"#N/A"},{"$error":"#N/A"},null,{"$error":"#N/A"},{"$error":"#N/A"}]
[9,null,null,null,null,30.416,274.74799999999999,{"$error":"#N/A"},{"$error":"#N/A"},null,null,30.416,273.74799999999999,{"$error":"#N/A"},{"$error":"#N/A"},null,{"$error":"#N/A"},{"$error":"#N/A"}]
[10,null,null,null,null,30.416,305.16399999999999,{"$error":"#N/A"},{"$error":"#N/A"},null,null,30.416,304.16399999999999,{"$error":"#N/A"},{"$error":"#N/A"},null,{"$error":"#N/A"},{"$error":"#N/A"}]
[11,null,null,null,null,30.416,335.58,{"$error":"#N/A"},{"$error":"#N/A"},null,null,30.416,334.58,{"$error":"#N/A"},{"$error":"#N/A"},null,{"$error":"#N/A"},{"$error":"#N/A"}]
[12,null,null,null,null,30.416,365.99599999999998,{"$error":"#N/A"},{"$error":"#N/A"},null,null,30.416,364.99599999999998,{"$error":"#N/A"},{"$error":"#N/A"},null,{"$error":"#N/A"},{"$error":"#N/A"}]
[13,null,null,null,null,30.416,396.41199999999998,{"$error":"#N/A"},{"$error":"#N/A"},null,null,30.416,395.41199999999998,{"$error":"#N/A"},{"$error":"#N/A"},null,{"$error":"#N/A"},{"$error":"#N/A"}]
[14,null,null,null,null,30.416,426.82799999999997,{"$error":"#N/A"},{"$error":"#N/A"},null,null,30.416,425.82799999999997,{"$error":"#N/A"},{"$error":"#N/A"},null,{"$error":"#N/A"},{"$error":"#N/A"}]
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[null,"   ZOZNAM POŽADOVANÝCH DOKUMENTOV",null,null,null,null,null,null,null,null,null,null,null,true,{"$f":"COUNTA(N:N)","v":357},null,null,"hide","hide","hide","hide","hide","hide","hide","hide","hide","hide","hide"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,true,null,null,null,"podmienka","hlaska"]
[null,"ŽIADOSŤ",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N4:N9,TRUE)>0,TRUE,FALSE)","v":true}]
[null,{"$f":"IF(R4,S4,\"\")","v":"Žiadosť o úver zopnutá a podpísaná všetkými účastníkmi úveru a poradcom"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B4=\"\",FALSE,TRUE)","v":true},null,null,null,true,"Žiadosť o úver zopnutá a podpísaná všetkými účastníkmi úveru a poradcom"]
[null,{"$f":"IF(R5,S5,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B5=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"RK_ziadost_spracovanie=\"akvizícia / Tip\"","v":false},"Odovzdávací protokol produktov ČSOB SP"]
[null,{"$f":"IF(R6,S6,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadost_poistenie=\"komplexný súbor B\"","v":false},"Pracovná zmluva k poisteniu B"]
[null,{"$f":"IF(R7,S7,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadost_refinanc_SS<>\"\"","v":false},"Úverová zmluva refinancovaného úveru"]
[null,{"$f":"IF(R8,S8,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadost_predschvaleny=\"áno\"","v":false},"Sken predschváleného limitu z S-CUBE"]
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[null,"OSOBA - ŽIADATEĽ",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N11:N97,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R11,S11,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_meno<>\"\"","v":false},"Kópia občianskeho preukazu / Cestovný doklad (pas) spolu s povolením na trvalý pobyt"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_ziadatel_stat=\"Štáty Eurozóny (EUR)\",RK_ziadatel_stat=\"ČR\")","v":false},"Identifikačný doklad totožnosti vydaný štátom Európskej únie s uvedeným trvalým pobytom"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_stat=\"ostatné\"","v":false},"Cestovný doklad (pas)"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_stat=\"ostatné\"","v":false},"Druhý doklad, v ktorom bude uvedený trvalý pobyt danej osoby - nestačí čestné prehlásenie o trvalom pobyte"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_rodinny_stav=\"rozvedený/rozvedená\"","v":false},"Právoplatný rozsudok o rozvode"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_rodinny_stav=\"ženatý/vydatá bez BSM\"","v":false},"Právoplatný rozsudok o zrušení BSM (úplná kópia)"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_rodinny_stav=\"ženatý/vydatá rozdielne priezviská\"","v":false},"Sobášny list"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_vzdelanie=\"vysokoškolské bez zápisu v OP\"","v":false},"Vysokoškolský diplom"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_zamestnanie_typ=\"Študent\"","v":false},"Potvrdenie o dennom štúdiu"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_zamestnanie_typ=\"Študent\"","v":false},"Rodný list"]
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[null,"PRÍJEM - ŽIADATEĽ",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N23:N93,TRUE)>0,TRUE,FALSE)","v":false}]
[null,"ZÁVISLÁ ČINNOSŤ SR",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N24:N28,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R24,S24,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_pracovna_oblast=\"štátna a verejná služba\"","v":false},"Potrvrdenie o zamestnaní a príjme"]
[null,{"$f":"IF(R25,S25,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_pracovna_oblast=\"štátna a verejná služba\"","v":false},"Výpis z účtu za posledný mesiac"]
[null,{"$f":"IF(R26,S26,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_zamestnavatel_rodina=\"áno\"","v":false},"Kópia daňového priznania a výkazy zamestnávateľa za posledné zdaňovacie obdobie"]
[null,{"$f":"IF(R27,S27,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_zamestnavatel_rodina=\"áno\"","v":false},"V prípade, ak je zamestnávateľ SZČO potvrdenie o podaní daňového priznania a daňových nedoplatkoch a potvrdenie o zaplatení dane"]
[null,{"$f":"IF(R28,S28,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(RK_ziadatel_zamestnanie_typ=\"Trvalý pracovný pomer, vlastná s.r.o.\",RK_ziadatel_prijem_ZC<>\"\")","v":false},"Kópia daňového priznania a výkazy zamestnávateľa za posledné zdaňovacie obdobie"]
[null,"DIÉTY",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N30:N31,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R30,S30,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_diety<>\"\"","v":false},"Výpis z účtu za posledných 6 mesiacov"]
[null,{"$f":"IF(R31,S31,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_diety<>\"\"","v":false},"V prípade, ak z preukázaného výpisu z účtu nebude možné presne identifikovať výšku diét aj potvrdenie od zamestnávateľa o výške poukazovaných diét za posledných  6 mesiacov"]
[null,"ZÁVISLÁ ČINNOSŤ V ZAHRANIČÍ",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N33:N36,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R33,S33,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(RK_ziadatel_prijem_ZC_typ<>\"v sr\",RK_ziadatel_prijem_ZC_typ<>\"\")","v":false},"Potvrdenie o zamestnaní a príjme "]
[null,{"$f":"IF(R34,S34,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(RK_ziadatel_prijem_ZC_typ<>\"v sr\",RK_ziadatel_prijem_ZC_typ<>\"\")","v":false},"Úplný originál výpisu z účtu za posledné 3 mesiace"]
[null,{"$f":"IF(R35,S35,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(RK_ziadatel_prijem_ZC_typ<>\"v sr\",RK_ziadatel_prijem_ZC_typ<>\"\")","v":false},"Overená kópia pracovnej zmluvy"]
[null,{"$f":"IF(R36,S36,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(RK_ziadatel_prijem_ZC_typ<>\"v sr\",RK_ziadatel_prijem_ZC_typ<>\"\")","v":false},"Overená kópia pracovného povolenia, ak krajina v ktorej účastník pracuje podľa príslušných platných právnych predpisov, takéto povolenie požaduje, resp. povolenia k pobytu"]
[null,"PRÍJEM OPATROVATEĽKY V RAKÚSKU",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N38:N42,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R38,S38,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_podn_typ=\"Opatrovateľka v Rak.\"","v":false},"Výpis z rakúskeho živnostenského oprávnenia"]
[null,{"$f":"IF(R39,S39,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_podn_typ=\"Opatrovateľka v Rak.\"","v":false},"Overená fotokópia výpisu/dokladu o úhrade odvodov do Sociálnej poisťovne v Rakúsku"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_podn_typ=\"Opatrovateľka v Rak.\"","v":false},"Overená fotokópia platnej zmluvy o dielo (tzn. opatrovateľská zmluva)"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_podn_typ=\"Opatrovateľka v Rak.\"","v":false},"Overená fotokópia úplného výpisu z účtu za posledné 3 mesiace"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_podn_typ=\"Opatrovateľka v Rak.\"","v":false},"Overená kópia daňového priznania k dani z príjmu fyzických osôb za posledné zdaňovacie obdobie podaného v SR, kde sú zahrnuté príjmy z Rakúska"]
[null,"SZČO (SR, ČR)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N44:N47,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R44,S44,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_ziadatel_podnikanie_druh=\"SZČO\",RK_ziadatel_podnikanie_druh=\"slobodné povolania\")","v":false},"Kópia daňového priznania a výkazy za posledné zdaňovacie obdobie"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_ziadatel_podnikanie_druh=\"SZČO\",RK_ziadatel_podnikanie_druh=\"slobodné povolania\")","v":false},"Potvrdenie o podaní daňového priznania a daňových nedoplatkoch pre fyzickú osobu"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_podnikanie_druh=\"slobodné povolania\"","v":false},"Kópia oprávnenia na výkon podnikateľskej činnosti: pri inej forme podnikania alebo inej samostatnej zárobkovej činnosti fyzickej osoby (napr. slobodné povolania) - doklad o pridelení DIČ, v prípade finančných agentov a poradcov je potrebné zdokladovať aj registráciu v registri finančných agentov a poradcov"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_ziadatel_podnikanie_druh=\"SZČO\",RK_ziadatel_podnikanie_druh=\"slobodné povolania\")","v":false},"Doklady preukazujúce príjmy v období medzi podaním posledného daňového priznania a posúdením schopnosti klienta splácať úver (napr. výpisy z podnikateľského účtu, mesačné závierky z elektronickej registračnej pokladne, faktúry,  zmluvy uzatvorené s treťou stranou preukazujúcou príjem a iné doklady, ktorými sa dá hodnoverne preukázať obrat za obdobie, ktoré nie je pokryté daňovým priznaním, minimálne za posledný mesiac)"]
[null,"PRÍJEM Z VLASTNEJ S.R.O.",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N49:N56,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R49,S49,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,false,"Kópia daňového priznania a výkazy za posledné zdaňovacie obdobie"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,false,"Potvrdenie o podaní daňového priznania a daňových nedoplatkoch pre právnickú osobu"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_ziadatel_prijem_podn_typ=\"s.r.o. - podiel na zisku\",RK_ziadatel_prijem_podn_typ=\"s.r.o. - zo zisku\",RK_ziadatel_prijem_podn_typ=\"s.r.o. - tržby\",RK_ziadatel_prijem_podn_typ=\"\nv SR z obratu/tržieb\")","v":false},"Kópia daňového priznania a výkazy (účtovná závierka) za posledné zdaňovacie obdobie v prípade ak nie sú zverejnené v Registri účtovných závierok"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_ziadatel_prijem_podn_typ=\"s.r.o. - podiel na zisku\",RK_ziadatel_prijem_podn_typ=\"s.r.o. - zo zisku\",RK_ziadatel_prijem_podn_typ=\"s.r.o. - tržby\",RK_ziadatel_prijem_podn_typ=\"\nv SR z obratu/tržieb\")","v":false},"Potvrdenie o podaní daňového priznania a daňových nedoplatkoch pre právnickú osobu"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_podn_typ=\"s.r.o. - podiel na zisku\"","v":false},"Právoplatný doklad o rozdelení zisku (napr. zápisnica) schváleného štatutárnym orgánom spoločnosti"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_podn_typ=\"s.r.o. - podiel na zisku\"","v":false},"Doklad o úhrade zisku - výpis z účtu, na ktorý bol podiel na zisku poukázaný"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,false,"Potvrdenie o registrácii do obchodného registra príslušným registrovaným súdom nie je vždy povinné,  ale schvaľovateľ si ho môže vyžiadať"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_ziadatel_prijem_podn_typ=\"s.r.o. - podiel na zisku\",RK_ziadatel_prijem_podn_typ=\"s.r.o. - zo zisku\",RK_ziadatel_prijem_podn_typ=\"s.r.o. - tržby\",RK_ziadatel_prijem_podn_typ=\"\nv SR z obratu/tržieb\")","v":false},"Doklady preukazujúce príjmy v období medzi podaním posledného daňového priznania a posúdením schopnosti klienta splácať úver (napr. výpisy z podnikateľského účtu, mesačné závierky z elektronickej registračnej pokladne, faktúry, zmluvy uzatvorené s treťou stranou preukazujúcou príjem a iné doklady, ktorými sa dá hodnoverne preukázať obrat za obdobie, ktoré nie je pokryté daňovým priznaním, minimálne za posledný mesiac)"]
[null,"PRÍJEM ČLENOV VYBRANÝCH KOMÔR",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N58:N61,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R58,S58,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_podn_typ=\"členovia komory\"","v":false},"Doklad preukazujúci členstvo v komore"]
[null,{"$f":"IF(R59,S59,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_podn_typ=\"členovia komory\"","v":false},"Kópia daňového priznania a výkazy za posledné zdaňovacie obdobie"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_podn_typ=\"členovia komory\"","v":false},"Potvrdenie o podaní daňového priznania a daňových nedoplatkoch pre fyzickú osobu"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_podn_typ=\"členovia komory\"","v":false},"Doklady preukazujúce príjmy v období medzi podaním posledného daňového priznania a posúdením schopnosti klienta splácať úver (napr. výpisy z podnikateľského účtu, mesačné závierky z elektronickej registračnej pokladne, faktúry, zmluvy uzatvorené s treťou stranou preukazujúcou príjem a iné doklady, ktorými sa dá hodnoverne preukázať obrat za obdobie, ktoré nie je pokryté daňovým priznaním, minimálne za posledný mesiac)"]
[null,"PRÍJEM NA ZÁKLADE PROVÍZIÍ PRE VYBRANÝCH EXTERNÝCH PARTNEROV",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N63:N65,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R63,S63,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B63=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"RK_ziadatel_prijem_podn_typ=\"SZČO - EP\"","v":false},"Potvrdenie o vyplatených províziách"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_podn_typ=\"SZČO - EP\"","v":false},"Kópia daňového priznania a výkazy za posledné zdaňovacie obdobie"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_podn_typ=\"SZČO - EP\"","v":false},"Potvrdenie o podaní daňového priznania a daňových nedoplatkoch"]
[null,"PRÍJEM - PRECHOD ZO SZČO NA S.R.O.",null,null,null,null,null,null,null,null,null,null,null,false]
[null,"PRÍJEM Z PRENÁJMU NEHNUTEĽNOSTI",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N68:N70,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R68,S68,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_ine_typ=\"prenájom\"","v":false},"Výpis z listu vlastníctva k prenajímanej nehnuteľnosti, môže byť stiahnutý z katasterportálu (žiadateľ alebo spolužiadateľ 1 musí byť vlastníkom)"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_ine_typ=\"prenájom\"","v":false},"Overená fotokópia nájomnej zmluvy"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_ine_typ=\"prenájom\"","v":false},"Kópia daňového priznania a výkazy za posledné zdaňovacie obdobie. V prípade nepodania daňového priznania (klient s uvedenou činnosťou začal v danom roku) príjem zdokladuje výpismi z účtu min. za posledné 3 mesiace (overená fotokópia predajcom)"]
[null,"PRÍJEM DOKTORANDA",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N72:N73,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R72,S72,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_ine_typ=\"Doktorand\"","v":false},"Potvrdenie o dennej forme doktorandského štúdia"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_ine_typ=\"Doktorand\"","v":false},"Úplný výpis z účtu za posledných 6 mesiacov"]
[null,"DÔCHODOK",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N75:N76,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R75,S75,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_ziadatel_prijem_dochodok_typ=\"výsluhový\",RK_ziadatel_prijem_ine_typ=\"sirot.dôchodok\",RK_ziadatel_prijem_ine_typ=\"vdov.dôchodok\")","v":false},"Platný výmer, rozhodnutie alebo iný doklad"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_ziadatel_prijem_dochodok_typ=\"výsluhový\",RK_ziadatel_prijem_ine_typ=\"sirot.dôchodok\",RK_ziadatel_prijem_ine_typ=\"vdov.dôchodok\")","v":false},"Úplný výpis z účtu za posledný mesiac resp. potvrdenie príslušnej pošty o vyplatení dôchodku"]
[null,"RODIČOVSKÝ PRÍSPEVOK",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N78,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R78,S78,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_prispevky_typ=\"rodič. príspevok\"","v":false},"V prípade, že klient poberá rodičovský príspevok v pravidelnej výške a výška príspevku je preukázateľná napr. výpisom z účtu, k rozhodnutiu úveru nie je potrebné predloženie rozhodnutia z ÚPSVR o poberaní rodičovského príspevku, postačuje len predloženie výpisu z účtu"]
[null,"MATERSKÁ",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N80,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R80,S80,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_ziadatel_prijem_prispevky_typ=\"materská\"","v":false},"V prípade poberania materského príspevku je k žiadosti o úver potrebné predložiť okrem rozhodnutia z ÚPSVR o poberaní príspevku aj výpis z účtu"]
[null,"PRÍSPEVOK ZAMESTNÁVATEĽA NA BÝVANIE (INÉ BENEFITY)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N82:N83,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R82,S82,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B82=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_ziadatel_prijem_ine),RK_ziadatel_prijem_ine_typ=\"prísp.na bývanie\")","v":false},"Potvrdenie od zamestnávateľa"]
[null,{"$f":"IF(R83,S83,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B83=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_ziadatel_prijem_ine),RK_ziadatel_prijem_ine_typ=\"prísp.na bývanie\")","v":false},"Výpis z účtu za posledné 3 mesiace"]
[null,"ODMENA PESTÚNA",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N85:N86,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R85,S85,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B85=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_ziadatel_prijem_ine),RK_ziadatel_prijem_ine_typ=\"odmena pestúna\")","v":false},"Potvrdenie o preberaní príspevku"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(ISNUMBER(RK_ziadatel_prijem_ine),RK_ziadatel_prijem_ine_typ=\"odmena pestúna\")","v":false},"Výpis z účtu za posledné 3 mesiace"]
[null,"PRÍSPEVOK ZA OPATROVANIE",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N88:N89,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R88,S88,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(ISNUMBER(RK_ziadatel_prijem_ine),RK_ziadatel_prijem_ine_typ=\"prísp.za opatrovanie\")","v":false},"Potvrdenie o preberaní príspevku"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(ISNUMBER(RK_ziadatel_prijem_ine),RK_ziadatel_prijem_ine_typ=\"prísp.za opatrovanie\")","v":false},"Výpis z účtu za posledné 3 mesiace"]
[null,"ODVODOVÁ  ÚĽAVA",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N91:N93,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R91,S91,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(ISNUMBER(RK_ziadatel_prijem_ine),RK_ziadatel_prijem_ine_typ=\"odvodová úľava\")","v":false},"Potvrdenie o poskytnutí odvodovej úľavy pre zamestnávateľa na zamestnanca (účastníka úveru)"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(ISNUMBER(RK_ziadatel_prijem_ine),RK_ziadatel_prijem_ine_typ=\"odvodová úľava\")","v":false},"Overená kópia pracovnej zmluvy, resp. potvrdenia od zamestnávateľa"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(ISNUMBER(RK_ziadatel_prijem_ine),RK_ziadatel_prijem_ine_typ=\"odvodová úľava\")","v":false},"Výpis z účtu za posledné 3 mesiace"]
[null,"VÝNIMKA",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N95:N97,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R95,S95,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"YEARFRAC(RK_ziadatel_prac_pomer_od,TODAY())*12<6","v":false},"Pracovná zmluva od predchádzajúceho zamestnávateľa"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"YEARFRAC(RK_ziadatel_prac_pomer_od,TODAY())*12<6","v":false},"Výpisy z účtu min. za posledné 3 mesiace (kde boli poukazované príjmy od predchádzajúceho zamestnávateľa)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,"OSOBA - SPOLUŽIADATEĽ 1(PARTNER ŽIADATEĽA)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N99:N185,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R99,S99,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_meno<>\"\"","v":false},"Kópia občianskeho preukazu / Cestovný doklad (pas) spolu s povolením na trvalý pobyt"]
[null,{"$f":"IF(R100,S100,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_stat=\"Štáty Eurozóny (EUR)\"","v":false},"Identifikačný doklad totožnosti vydaný štátom Európskej únie s uvedeným trvalým pobytom"]
[null,{"$f":"IF(R101,S101,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_stat=\"ostatné\"","v":false},"Cestovný doklad (pas)"]
[null,{"$f":"IF(R102,S102,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_stat=\"ostatné\"","v":false},"Druhý doklad, v ktorom bude uvedený trvalý pobyt danej osoby - nestačí čestné prehlásenie o trvalom pobyte"]
[null,{"$f":"IF(R103,S103,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_rodinny_stav=\"rozvedený/rozvedená\"","v":false},"Právoplatný rozsudok o rozvode"]
[null,{"$f":"IF(R104,S104,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_rodinny_stav=\"ženatý/vydatá bez BSM\"","v":false},"Právoplatný rozsudok o zrušení BSM (úplná kópia)"]
[null,{"$f":"IF(R105,S105,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_rodinny_stav=\"ženatý/vydatá rozdielne priezviská\"","v":false},"Sobášny list"]
[null,{"$f":"IF(R106,S106,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_vzdelanie=\"vysokoškolské bez zápisu v OP\"","v":false},"Vysokoškolský diplom"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,"PRÍJEM - SPOLUŽIADATEĽ 1 (PARTNER ŽIADATEĽA)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N109:N180,TRUE)>0,TRUE,FALSE)","v":false}]
[null,"ZÁVISLÁ ČINNOSŤ SR",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N110:N114,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R110,S110,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_statna_sluzba=\"áno\"","v":false},"Potrvrdenie o zamestnaní a príjme"]
[null,{"$f":"IF(R111,S111,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_statna_sluzba=\"áno\"","v":false},"Výpis z účtu za posledný mesiac"]
[null,{"$f":"IF(R112,S112,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_zamestnavatel_rodina=\"áno\"","v":false},"Kópia daňového priznania a výkazy zamestnávateľa za posledné zdaňovacie obdobie"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_zamestnavatel_rodina=\"áno\"","v":false},"V prípade, ak je zamestnávateľ SZČO potvrdenie o podaní daňového priznania a daňových nedoplatkoch a potvrdenie o zaplatení dane"]
[null,{"$f":"IF(R114,S114,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(RK_spoluziadatel_zamestnanie_typ=\"Trvalý pracovný pomer, vlastná s.r.o.\",RK_spoluziadatel_prijem_ZC<>\"\")","v":false},"Kópia daňového priznania a výkazy zamestnávateľa za posledné zdaňovacie obdobie"]
[null,"DIÉTY",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N116:N117,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R116,S116,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_diety<>\"\"","v":false},"Výpis z účtu za posledných 6 mesiacov"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_diety<>\"\"","v":false},"V prípade, ak z preukázaného výpisu z účtu nebude možné presne identifikovať výšku diét aj potvrdenie od zamestnávateľa o výške poukazovaných diét za posledných  6 mesiacov"]
[null,"ZÁVISLÁ ČINNOSŤ V ZAHRANIČÍ",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N119:N122,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R119,S119,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(RK_spoluziadatel_prijem_ZC_typ<>\"v sr\",RK_spoluziadatel_prijem_ZC_typ<>\"\")","v":false},"Potvrdenie o zamestnaní a príjme "]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(RK_spoluziadatel_prijem_ZC_typ<>\"v sr\",RK_spoluziadatel_prijem_ZC_typ<>\"\")","v":false},"Úplný originál výpisu z účtu za posledné 3 mesiace"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(RK_spoluziadatel_prijem_ZC_typ<>\"v sr\",RK_spoluziadatel_prijem_ZC_typ<>\"\")","v":false},"Overená kópia pracovnej zmluvy"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(RK_spoluziadatel_prijem_ZC_typ<>\"v sr\",RK_spoluziadatel_prijem_ZC_typ<>\"\")","v":false},"Overená kópia pracovného povolenia, ak krajina v ktorej účastník pracuje podľa príslušných platných právnych predpisov, takéto povolenie požaduje, resp. povolenia k pobytu"]
[null,"PRÍJEM OPATROVATEĽKY V RAKÚSKU",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N124:N128,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R124,S124,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_podn_typ=\"Opatrovateľka v Rak.\"","v":false},"Výpis z rakúskeho živnostenského oprávnenia"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_podn_typ=\"Opatrovateľka v Rak.\"","v":false},"Overená fotokópia výpisu/dokladu o úhrade odvodov do Sociálnej poisťovne v Rakúsku"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_podn_typ=\"Opatrovateľka v Rak.\"","v":false},"Overená fotokópia platnej zmluvy o dielo (tzn. opatrovateľská zmluva)"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_podn_typ=\"Opatrovateľka v Rak.\"","v":false},"Overená fotokópia úplného výpisu z účtu za posledné 3 mesiace"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B128=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"RK_spoluziadatel_prijem_podn_typ=\"Opatrovateľka v Rak.\"","v":false},"Overená kópia daňového priznania k dani z príjmu fyzických osôb za posledné zdaňovacie obdobie podaného v SR, kde sú zahrnuté príjmy z Rakúska"]
[null,"SZČO (SR, ČR)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N130:N133,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R130,S130,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_spoluziadatel_podnikanie_druh=\"SZČO\",RK_spoluziadatel_podnikanie_druh=\"slobodné povolania\")","v":false},"Kópia daňového priznania a výkazy za posledné zdaňovacie obdobie"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_spoluziadatel_podnikanie_druh=\"SZČO\",RK_spoluziadatel_podnikanie_druh=\"slobodné povolania\")","v":false},"Potvrdenie o podaní daňového priznania a daňových nedoplatkoch pre fyzickú osobu"]
[null,{"$f":"IF(R132,S132,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_podnikanie_druh=\"slobodné povolania\"","v":false},"Kópia oprávnenia na výkon podnikateľskej činnosti: pri inej forme podnikania alebo inej samostatnej zárobkovej činnosti fyzickej osoby (napr. slobodné povolania) - doklad o pridelení DIČ, v prípade finančných agentov a poradcov je potrebné zdokladovať aj registráciu v registri finančných agentov a poradcov"]
[null,{"$f":"IF(R133,S133,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_spoluziadatel_podnikanie_druh=\"SZČO\",RK_spoluziadatel_podnikanie_druh=\"slobodné povolania\")","v":false},"Doklady preukazujúce príjmy v období medzi podaním posledného daňového priznania a posúdením schopnosti klienta splácať úver (napr. výpisy z podnikateľského účtu, mesačné závierky z elektronickej registračnej pokladne, faktúry,  zmluvy uzatvorené s treťou stranou preukazujúcou príjem a iné doklady, ktorými sa dá hodnoverne preukázať obrat za obdobie, ktoré nie je pokryté daňovým priznaním, minimálne za posledný mesiac) "]
[null,"PRÍJEM Z VLASTNEJ S.R.O.",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N135:N142,TRUE)>0,TRUE,FALSE)","v":false},null,null,null,null,null,null,null,null,"`"]
[null,{"$f":"IF(R135,S135,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,false,"Kópia daňového priznania a výkazy za posledné zdaňovacie obdobie"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,false,"Potvrdenie o podaní daňového priznania a daňových nedoplatkoch pre právnickú osobu"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_spoluziadatel_prijem_podn_typ=\"s.r.o. - podiel na zisku\",RK_spoluziadatel_prijem_podn_typ=\"s.r.o. - zo zisku\",RK_spoluziadatel_prijem_podn_typ=\"s.r.o. - tržby\",RK_spoluziadatel_prijem_podn_typ=\"\nv SR z obratu/tržieb\")","v":false},"Kópia daňového priznania a výkazy (účtovná závierka) za posledné zdaňovacie obdobie v prípade ak nie sú zverejnené v Registri účtovných závierok"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_spoluziadatel_prijem_podn_typ=\"s.r.o. - podiel na zisku\",RK_spoluziadatel_prijem_podn_typ=\"s.r.o. - zo zisku\",RK_spoluziadatel_prijem_podn_typ=\"s.r.o. - tržby\",RK_spoluziadatel_prijem_podn_typ=\"\nv SR z obratu/tržieb\")","v":false},"Potvrdenie o podaní daňového priznania a daňových nedoplatkoch pre právnickú osobu"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_podn_typ=\"s.r.o. - podiel na zisku\"","v":false},"Právoplatný doklad o rozdelení zisku (napr. zápisnica) schváleného štatutárnym orgánom spoločnosti"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_podn_typ=\"s.r.o. - podiel na zisku\"","v":false},"Doklad o úhrade zisku - výpis z účtu, na ktorý bol podiel na zisku poukázaný"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,false,"Potvrdenie o registrácii do obchodného registra príslušným registrovaným súdom nie je vždy povinné,  ale schvaľovateľ si ho môže vyžiadať"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_spoluziadatel_prijem_podn_typ=\"s.r.o. - podiel na zisku\",RK_spoluziadatel_prijem_podn_typ=\"s.r.o. - zo zisku\",RK_spoluziadatel_prijem_podn_typ=\"s.r.o. - tržby\",RK_spoluziadatel_prijem_podn_typ=\"\nv SR z obratu/tržieb\")","v":false},"Doklady preukazujúce príjmy v období medzi podaním posledného daňového priznania a posúdením schopnosti klienta splácať úver (napr. výpisy z podnikateľského účtu, mesačné závierky z elektronickej registračnej pokladne, faktúry, zmluvy uzatvorené s treťou stranou preukazujúcou príjem a iné doklady, ktorými sa dá hodnoverne preukázať obrat za obdobie, ktoré nie je pokryté daňovým priznaním, minimálne za posledný mesiac)"]
[null,"PRÍJEM ČLENOV VYBRANÝCH KOMÔR",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N144:N147,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R144,S144,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_podn_typ=\"členovia komory\"","v":false},"Doklad preukazujúci členstvo v komore"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_podn_typ=\"členovia komory\"","v":false},"Kópia daňového priznania a výkazy za posledné zdaňovacie obdobie"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_podn_typ=\"členovia komory\"","v":false},"Potvrdenie o podaní daňového priznania a daňových nedoplatkoch pre fyzickú osobu"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_podn_typ=\"členovia komory\"","v":false},"Doklady preukazujúce príjmy v období medzi podaním posledného daňového priznania a posúdením schopnosti klienta splácať úver (napr. výpisy z podnikateľského účtu, mesačné závierky z elektronickej registračnej pokladne, faktúry, zmluvy uzatvorené s treťou stranou preukazujúcou príjem a iné doklady, ktorými sa dá hodnoverne preukázať obrat za obdobie, ktoré nie je pokryté daňovým priznaním, minimálne za posledný mesiac)"]
[null,"PRÍJEM NA ZÁKLADE PROVÍZIÍ PRE VYBRANÝCH EXTERNÝCH PARTNEROV",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N149:N151,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R149,S149,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_podn_typ=\"SZČO - EP\"","v":false},"Potvrdenie o vyplatených províziách"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_podn_typ=\"SZČO - EP\"","v":false},"Kópia daňového priznania a výkazy za posledné zdaňovacie obdobie"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_podn_typ=\"SZČO - EP\"","v":false},"Potvrdenie o podaní daňového priznania a daňových nedoplatkoch"]
[null,"PRÍJEM - PRECHOD ZO SZČO NA S.R.O.",null,null,null,null,null,null,null,null,null,null,null,false]
[null,"PRÍJEM Z PRENÁJMU NEHNUTEĽNOSTI",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N154:N156,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R154,S154,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_ine_typ=\"prenájom\"","v":false},"Výpis z listu vlastníctva k prenajímanej nehnuteľnosti, môže byť stiahnutý z katasterportálu (žiadateľ alebo spolužiadateľ 1 musí byť vlastníkom)"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_ine_typ=\"prenájom\"","v":false},"Overená fotokópia nájomnej zmluvy"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_ine_typ=\"prenájom\"","v":false},"Kópia daňového priznania a výkazy za posledné zdaňovacie obdobie. V prípade nepodania daňového priznania (klient s uvedenou činnosťou začal v danom roku) príjem zdokladuje výpismi z účtu min. za posledné 3 mesiace (overená fotokópia predajcom)"]
[null,"PRÍJEM DOKTORANDA",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N158:N159,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R158,S158,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_ine_typ=\"Doktorand\"","v":false},"Potvrdenie o dennej forme doktorandského štúdia"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_ine_typ=\"Doktorand\"","v":false},"Úplný výpis z účtu za posledných 6 mesiacov"]
[null,"DÔCHODOK",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N161:N162,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R161,S161,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_spoluziadatel_prijem_dochodok_typ=\"výsluhový\",RK_spoluziadatel_prijem_ine_typ=\"sirot.dôchodok\",RK_spoluziadatel_prijem_ine_typ=\"vdov.dôchodok\")","v":false},"Platný výmer, rozhodnutie alebo iný doklad"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_spoluziadatel_prijem_dochodok_typ=\"výsluhový\",RK_spoluziadatel_prijem_ine_typ=\"sirot.dôchodok\",RK_spoluziadatel_prijem_ine_typ=\"vdov.dôchodok\")","v":false},"Úplný výpis z účtu za posledný mesiac resp. potvrdenie príslušnej pošty o vyplatení dôchodku"]
[null,"RODIČOVSKÝ PRÍSPEVOK",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N164,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R164,S164,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_prispevky_typ=\"rodič. Príspevok\"","v":false},"V prípade, že klient poberá rodičovský príspevok v pravidelnej výške a výška príspevku je preukázateľná napr. výpisom z účtu, k rozhodnutiu úveru nie je potrebné predloženie rozhodnutia z ÚPSVR o poberaní rodičovského príspevku, postačuje len predloženie výpisu z účtu"]
[null,"MATERSKÁ",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N166,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R166,S166,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spoluziadatel_prijem_prispevky_typ=\"materská\"","v":false},"V prípade poberania materského príspevku je k žiadosti o úver potrebné predložiť okrem rozhodnutia z ÚPSVR o poberaní príspevku aj výpis z účtu"]
[null,"PRÍSPEVOK ZAMESTNÁVATEĽA NA BÝVANIE (INÉ BENEFITY)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N168:N169,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R168,S168,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B168=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_spoluziadatel_prijem_ine),RK_spoluziadatel_prijem_ine_typ=\"prísp.na bývanie\")","v":false},"Potvrdenie od zamestnávateľa"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B169=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_spoluziadatel_prijem_ine),RK_spoluziadatel_prijem_ine_typ=\"prísp.na bývanie\")","v":false},"Výpis z účtu za posledné 3 mesiace"]
[null,"ODMENA PESTÚNA",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N171:N172,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R171,S171,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B171=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_spoluziadatel_prijem_ine),RK_spoluziadatel_prijem_ine_typ=\"odmena pestúna\")","v":false},"Potvrdenie o preberaní príspevku"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B172=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_spoluziadatel_prijem_ine),RK_spoluziadatel_prijem_ine_typ=\"odmena pestúna\")","v":false},"Výpis z účtu za posledné 3 mesiace"]
[null,"PRÍSPEVOK ZA OPATROVANIE",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N174:N175,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R174,S174,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B174=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_spoluziadatel_prijem_ine),RK_spoluziadatel_prijem_ine_typ=\"prísp.za opatrovanie\")","v":false},"Potvrdenie o preberaní príspevku"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B175=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_spoluziadatel_prijem_ine),RK_spoluziadatel_prijem_ine_typ=\"prísp.za opatrovanie\")","v":false},"Výpis z účtu za posledné 3 mesiace"]
[null,"ODVODOVÁ  ÚĽAVA",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N177:N179,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R177,S177,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B177=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_spoluziadatel_prijem_ine),RK_spoluziadatel_prijem_ine_typ=\"odvodová úľava\")","v":false},"Potvrdenie o poskytnutí odvodovej úľavy pre zamestnávateľa na zamestnanca (účastníka úveru)"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B178=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_spoluziadatel_prijem_ine),RK_spoluziadatel_prijem_ine_typ=\"odvodová úľava\")","v":false},"Overená kópia pracovnej zmluvy, resp. potvrdenia od zamestnávateľa"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B179=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_spoluziadatel_prijem_ine),RK_spoluziadatel_prijem_ine_typ=\"odvodová úľava\")","v":false},"Výpis z účtu za posledné 3 mesiace"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,"VÝNIMKA - SPOLUŽIADATEĽ (PARTNER ŽIADATEĽA)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N182:N183,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R182,S182,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"YEARFRAC(RK_spoluziadatel_prac_pomer_od,TODAY())*12<6","v":false},"Pracovná zmluva od predchádzajúceho zamestnávateľa"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"YEARFRAC(RK_spoluziadatel_prac_pomer_od,TODAY())*12<6","v":false},"Výpisy z účtu min. za posledné 3 mesiace (kde boli poukazované príjmy od predchádzajúceho zamestnávateľa)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,"OSOBA - SPOLUŽIADATEĽ 2",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N187:N268,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R187,S187,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_meno<>\"\"","v":false},"Kópia občianskeho preukazu / Cestovný doklad (pas) spolu s povolením na trvalý pobyt"]
[null,{"$f":"IF(R188,S188,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_stat=\"Štáty Eurozóny (EUR)\"","v":false},"Identifikačný doklad totožnosti vydaný štátom Európskej únie s uvedeným trvalým pobytom"]
[null,{"$f":"IF(R189,S189,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_stat=\"ostatné\"","v":false},"Cestovný doklad (pas)"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_stat=\"ostatné\"","v":false},"Druhý doklad, v ktorom bude uvedený trvalý pobyt danej osoby - nestačí čestné prehlásenie o trvalom pobyte"]
[null,{"$f":"IF(R191,S191,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_rodinny_stav=\"rozvedený/rozvedená\"","v":false},"Právoplatný rozsudok o rozvode"]
[null,{"$f":"IF(R192,S192,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_rodinny_stav=\"ženatý/vydatá bez BSM\"","v":false},"Právoplatný rozsudok o zrušení BSM (úplná kópia)"]
[null,{"$f":"IF(R193,S193,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_rodinny_stav=\"ženatý/vydatá rozdielne priezviská\"","v":false},"Sobášny list"]
[null,{"$f":"IF(R194,S194,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_vzdelanie=\"vysokoškolské bez zápisu v OP\"","v":false},"Vysokoškolský diplom"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,"PRÍJEM - SPOLUŽIADATEĽ 2",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N197:N268,TRUE)>0,TRUE,FALSE)","v":false}]
[null,"ZÁVISLÁ ČINNOSŤ SR",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N198:N202,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R198,S198,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B198=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"RK_pristupitel_statna_sluzba=\"áno\"","v":false},"Potrvrdenie o zamestnaní a príjme"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_statna_sluzba=\"áno\"","v":false},"Výpis z účtu za posledný mesiac"]
[null,{"$f":"IF(R200,S200,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_zamestnavatel_rodina=\"áno\"","v":false},"Kópia daňového priznania a výkazy zamestnávateľa za posledné zdaňovacie obdobie"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_zamestnavatel_rodina=\"áno\"","v":false},"V prípade, ak je zamestnávateľ SZČO potvrdenie o podaní daňového priznania a daňových nedoplatkoch a potvrdenie o zaplatení dane"]
[null,{"$f":"IF(R202,S202,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(RK_pristupitel_zamestnanie_typ=\"Trvalý pracovný pomer, vlastná s.r.o.\",RK_pristupitel_prijem_ZC<>\"\")","v":false},"Kópia daňového priznania a výkazy zamestnávateľa za posledné zdaňovacie obdobie"]
[null,"DIÉTY",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N204:N205,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R204,S204,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_diety<>\"\"","v":false},"Výpis z účtu za posledných 6 mesiacov"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_diety<>\"\"","v":false},"V prípade, ak z preukázaného výpisu z účtu nebude možné presne identifikovať výšku diét aj potvrdenie od zamestnávateľa o výške poukazovaných diét za posledných  6 mesiacov"]
[null,"ZÁVISLÁ ČINNOSŤ V ZAHRANIČÍ",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N207:N210,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R207,S207,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(RK_pristupitel_prijem_ZC_typ<>\"v sr\",RK_pristupitel_prijem_ZC_typ<>\"\")","v":false},"Potvrdenie o zamestnaní a príjme "]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(RK_pristupitel_prijem_ZC_typ<>\"v sr\",RK_pristupitel_prijem_ZC_typ<>\"\")","v":false},"Úplný originál výpisu z účtu za posledné 3 mesiace"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(RK_pristupitel_prijem_ZC_typ<>\"v sr\",RK_pristupitel_prijem_ZC_typ<>\"\")","v":false},"Overená kópia pracovnej zmluvy"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(RK_pristupitel_prijem_ZC_typ<>\"v sr\",RK_pristupitel_prijem_ZC_typ<>\"\")","v":false},"Overená kópia pracovného povolenia, ak krajina v ktorej účastník pracuje podľa príslušných platných právnych predpisov, takéto povolenie požaduje, resp. povolenia k pobytu"]
[null,"PRÍJEM OPATROVATEĽKY V RAKÚSKU",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N212:N216,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R212,S212,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_podn_typ=\"Opatrovateľka v Rak.\"","v":false},"Výpis z rakúskeho živnostenského oprávnenia"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_podn_typ=\"Opatrovateľka v Rak.\"","v":false},"Overená fotokópia výpisu/dokladu o úhrade odvodov do Sociálnej poisťovne v Rakúsku"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_podn_typ=\"Opatrovateľka v Rak.\"","v":false},"Overená fotokópia platnej zmluvy o dielo (tzn. opatrovateľská zmluva)"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_podn_typ=\"Opatrovateľka v Rak.\"","v":false},"Overená fotokópia úplného výpisu z účtu za posledné 3 mesiace"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_podn_typ=\"Opatrovateľka v Rak.\"","v":false},"Overená kópia daňového priznania k dani z príjmu fyzických osôb za posledné zdaňovacie obdobie podaného v SR, kde sú zahrnuté príjmy z Rakúska"]
[null,"SZČO (SR, ČR)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N218:N221,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R218,S218,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_pristupitel_podnikanie_druh=\"SZČO\",RK_pristupitel_podnikanie_druh=\"slobodné povolania\")","v":false},"Kópia daňového priznania a výkazy za posledné zdaňovacie obdobie"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_pristupitel_podnikanie_druh=\"SZČO\",RK_pristupitel_podnikanie_druh=\"slobodné povolania\")","v":false},"Potvrdenie o podaní daňového priznania a daňových nedoplatkoch pre fyzickú osobu"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_podnikanie_druh=\"slobodné povolania\"","v":false},"Kópia oprávnenia na výkon podnikateľskej činnosti: pri inej forme podnikania alebo inej samostatnej zárobkovej činnosti fyzickej osoby (napr. slobodné povolania) - doklad o pridelení DIČ, v prípade finančných agentov a poradcov je potrebné zdokladovať aj registráciu v registri finančných agentov a poradcov"]
[null,{"$f":"IF(R221,S221,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_pristupitel_podnikanie_druh=\"SZČO\",RK_pristupitel_podnikanie_druh=\"slobodné povolania\")","v":false},"Doklady preukazujúce príjmy v období medzi podaním posledného daňového priznania a posúdením schopnosti klienta splácať úver (napr. výpisy z podnikateľského účtu, mesačné závierky z elektronickej registračnej pokladne, faktúry,  zmluvy uzatvorené s treťou stranou preukazujúcou príjem a iné doklady, ktorými sa dá hodnoverne preukázať obrat za obdobie, ktoré nie je pokryté daňovým priznaním, minimálne za posledný mesiac) "]
[null,"PRÍJEM Z VLASTNEJ S.R.O.",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N223:N230,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R223,S223,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,false,"Kópia daňového priznania a výkazy za posledné zdaňovacie obdobie"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,false,"Potvrdenie o podaní daňového priznania a daňových nedoplatkoch pre právnickú osobu"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_pristupitel_prijem_podn_typ=\"s.r.o. - podiel na zisku\",RK_pristupitel_prijem_podn_typ=\"s.r.o. - zo zisku\",RK_pristupitel_prijem_podn_typ=\"s.r.o. - tržby\",RK_pristupitel_prijem_podn_typ=\"\nv SR z obratu/tržieb\")","v":false},"Kópia daňového priznania a výkazy (účtovná závierka) za posledné zdaňovacie obdobie v prípade ak nie sú zverejnené v Registri účtovných závierok"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_pristupitel_prijem_podn_typ=\"s.r.o. - podiel na zisku\",RK_pristupitel_prijem_podn_typ=\"s.r.o. - zo zisku\",RK_pristupitel_prijem_podn_typ=\"s.r.o. - tržby\",RK_pristupitel_prijem_podn_typ=\"\nv SR z obratu/tržieb\")","v":false},"Potvrdenie o podaní daňového priznania a daňových nedoplatkoch pre právnickú osobu"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_podn_typ=\"s.r.o. - podiel na zisku\"","v":false},"Právoplatný doklad o rozdelení zisku (napr. zápisnica) schváleného štatutárnym orgánom spoločnosti"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_podn_typ=\"s.r.o. - podiel na zisku\"","v":false},"Doklad o úhrade zisku - výpis z účtu, na ktorý bol podiel na zisku poukázaný"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,false,"Potvrdenie o registrácii do obchodného registra príslušným registrovaným súdom nie je vždy povinné,  ale schvaľovateľ si ho môže vyžiadať"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_pristupitel_prijem_podn_typ=\"s.r.o. - podiel na zisku\",RK_pristupitel_prijem_podn_typ=\"s.r.o. - zo zisku\",RK_pristupitel_prijem_podn_typ=\"s.r.o. - tržby\",RK_pristupitel_prijem_podn_typ=\"\nv SR z obratu/tržieb\")","v":false},"Doklady preukazujúce príjmy v období medzi podaním posledného daňového priznania a posúdením schopnosti klienta splácať úver (napr. výpisy z podnikateľského účtu, mesačné závierky z elektronickej registračnej pokladne, faktúry, zmluvy uzatvorené s treťou stranou preukazujúcou príjem a iné doklady, ktorými sa dá hodnoverne preukázať obrat za obdobie, ktoré nie je pokryté daňovým priznaním, minimálne za posledný mesiac)"]
[null,"PRÍJEM ČLENOV VYBRANÝCH KOMÔR",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N232:N235,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R232,S232,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_podn_typ=\"členovia komory\"","v":false},"Doklad preukazujúci členstvo v komore"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_podn_typ=\"členovia komory\"","v":false},"Kópia daňového priznania a výkazy za posledné zdaňovacie obdobie"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_podn_typ=\"členovia komory\"","v":false},"Potvrdenie o podaní daňového priznania a daňových nedoplatkoch pre fyzickú osobu"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_podn_typ=\"členovia komory\"","v":false},"Doklady preukazujúce príjmy v období medzi podaním posledného daňového priznania a posúdením schopnosti klienta splácať úver (napr. výpisy z podnikateľského účtu, mesačné závierky z elektronickej registračnej pokladne, faktúry, zmluvy uzatvorené s treťou stranou preukazujúcou príjem a iné doklady, ktorými sa dá hodnoverne preukázať obrat za obdobie, ktoré nie je pokryté daňovým priznaním, minimálne za posledný mesiac)"]
[null,"PRÍJEM NA ZÁKLADE PROVÍZIÍ PRE VYBRANÝCH EXTERNÝCH PARTNEROV",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N237:N239,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R237,S237,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_podn_typ=\"SZČO - EP\"","v":false},"Potvrdenie o vyplatených províziách"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_podn_typ=\"SZČO - EP\"","v":false},"Kópia daňového priznania a výkazy za posledné zdaňovacie obdobie"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_podn_typ=\"SZČO - EP\"","v":false},"Potvrdenie o podaní daňového priznania a daňových nedoplatkoch"]
[null,"PRÍJEM - PRECHOD ZO SZČO NA S.R.O.",null,null,null,null,null,null,null,null,null,null,null,false]
[null,"PRÍJEM Z PRENÁJMU NEHNUTEĽNOSTI",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N242:N244,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R242,S242,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_ine_typ=\"prenájom\"","v":false},"Výpis z listu vlastníctva k prenajímanej nehnuteľnosti, môže byť stiahnutý z katasterportálu (žiadateľ alebo spolužiadateľ 1 musí byť vlastníkom)"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_ine_typ=\"prenájom\"","v":false},"Overená fotokópia nájomnej zmluvy"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_ine_typ=\"prenájom\"","v":false},"Kópia daňového priznania a výkazy za posledné zdaňovacie obdobie. V prípade nepodania daňového priznania (klient s uvedenou činnosťou začal v danom roku) príjem zdokladuje výpismi z účtu min. za posledné 3 mesiace (overená fotokópia predajcom)"]
[null,"PRÍJEM DOKTORANDA",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N246:N247,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R246,S246,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_ine_typ=\"Doktorand\"","v":false},"Potvrdenie o dennej forme doktorandského štúdia"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_ine_typ=\"Doktorand\"","v":false},"Úplný výpis z účtu za posledných 6 mesiacov"]
[null,"DÔCHODOK",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N249:N250,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R249,S249,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_pristupitel_prijem_dochodok_typ=\"výsluhový\",RK_pristupitel_prijem_ine_typ=\"sirot.dôchodok\",RK_pristupitel_prijem_ine_typ=\"vdov.dôchodok\")","v":false},"Platný výmer, rozhodnutie alebo iný doklad"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_pristupitel_prijem_dochodok_typ=\"výsluhový\",RK_pristupitel_prijem_ine_typ=\"sirot.dôchodok\",RK_pristupitel_prijem_ine_typ=\"vdov.dôchodok\")","v":false},"Úplný výpis z účtu za posledný mesiac resp. potvrdenie príslušnej pošty o vyplatení dôchodku"]
[null,"RODIČOVSKÝ PRÍSPEVOK",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N252,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R252,S252,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_pristupitel_prijem_prispevky_typ=\"rodič. príspevok\"","v":false},"V prípade, že klient poberá rodičovský príspevok v pravidelnej výške a výška príspevku je preukázateľná napr. výpisom z účtu, k rozhodnutiu úveru nie je potrebné predloženie rozhodnutia z ÚPSVR o poberaní rodičovského príspevku, postačuje len predloženie výpisu z účtu"]
[null,"MATERSKÁ",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N254,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R254,S254,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B254=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"RK_pristupitel_prijem_prispevky_typ=\"materská\"","v":false},"V prípade poberania materského príspevku je k žiadosti o úver potrebné predložiť okrem rozhodnutia z ÚPSVR o poberaní príspevku aj výpis z účtu"]
[null,"PRÍSPEVOK ZAMESTNÁVATEĽA NA BÝVANIE (INÉ BENEFITY)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N256:N257,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R256,S256,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B256=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_pristupitel_prijem_ine),RK_pristupitel_prijem_ine_typ=\"prísp.na bývanie\")","v":false},"Potvrdenie od zamestnávateľa"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B257=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_pristupitel_prijem_ine),RK_pristupitel_prijem_ine_typ=\"prísp.na bývanie\")","v":false},"Výpis z účtu za posledné 3 mesiace"]
[null,"ODMENA PESTÚNA",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N259:N260,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R259,S259,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B259=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_pristupitel_prijem_ine),RK_pristupitel_prijem_ine_typ=\"odmena pestúna\")","v":false},"Potvrdenie o preberaní príspevku"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B260=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_pristupitel_prijem_ine),RK_pristupitel_prijem_ine_typ=\"odmena pestúna\")","v":false},"Výpis z účtu za posledné 3 mesiace"]
[null,"PRÍSPEVOK ZA OPATROVANIE",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N262:N263,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R262,S262,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B262=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_pristupitel_prijem_ine),RK_pristupitel_prijem_ine_typ=\"prísp.za opatrovanie\")","v":false},"Potvrdenie o preberaní príspevku"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B263=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_pristupitel_prijem_ine),RK_pristupitel_prijem_ine_typ=\"prísp.za opatrovanie\")","v":false},"Výpis z účtu za posledné 3 mesiace"]
[null,"ODVODOVÁ  ÚĽAVA",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N265:N267,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R265,S265,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B265=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_pristupitel_prijem_ine),RK_pristupitel_prijem_ine_typ=\"odvodová úľava\")","v":false},"Potvrdenie o poskytnutí odvodovej úľavy pre zamestnávateľa na zamestnanca (účastníka úveru)"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B266=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_pristupitel_prijem_ine),RK_pristupitel_prijem_ine_typ=\"odvodová úľava\")","v":false},"Overená kópia pracovnej zmluvy, resp. potvrdenia od zamestnávateľa"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B267=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_pristupitel_prijem_ine),RK_pristupitel_prijem_ine_typ=\"odvodová úľava\")","v":false},"Výpis z účtu za posledné 3 mesiace"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,"OSOBA - SPOLUŽIADATEĽ 3 (PARTNER SPOLUŽIADATEĽA 2)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N270:N354,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R270,S270,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_meno<>\"\"","v":false},"Kópia občianskeho preukazu / Cestovný doklad (pas) spolu s povolením na trvalý pobyt"]
[null,{"$f":"IF(R271,S271,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_stat=\"Štáty Eurozóny (EUR)\"","v":false},"Identifikačný doklad totožnosti vydaný štátom Európskej únie s uvedeným trvalým pobytom"]
[null,{"$f":"IF(R272,S272,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_stat=\"ostatné\"","v":false},"Cestovný doklad (pas)"]
[null,{"$f":"IF(R273,S273,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_stat=\"ostatné\"","v":false},"Druhý doklad, v ktorom bude uvedený trvalý pobyt danej osoby - nestačí čestné prehlásenie o trvalom pobyte"]
[null,{"$f":"IF(R274,S274,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_rodinny_stav=\"rozvedený/rozvedená\"","v":false},"Právoplatný rozsudok o rozvode"]
[null,{"$f":"IF(R275,S275,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_rodinny_stav=\"ženatý/vydatá bez BSM\"","v":false},"Právoplatný rozsudok o zrušení BSM (úplná kópia)"]
[null,{"$f":"IF(R276,S276,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_rodinny_stav=\"ženatý/vydatá rozdielne priezviská\"","v":false},"Sobášny list"]
[null,{"$f":"IF(R277,S277,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_vzdelanie=\"vysokoškolské bez zápisu v OP\"","v":false},"Vysokoškolský diplom"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,"PRÍJEM - SPOLUŽIADATEĽ 3",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N280:N350,TRUE)>0,TRUE,FALSE)","v":false}]
[null,"ZÁVISLÁ ČINNOSŤ SR",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N281:N285,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R281,S281,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_statna_sluzba=\"áno\"","v":false},"Potrvrdenie o zamestnaní a príjme"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_statna_sluzba=\"áno\"","v":false},"Výpis z účtu za posledný mesiac"]
[null,{"$f":"IF(R283,S283,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_zamestnavatel_rodina=\"áno\"","v":false},"Kópia daňového priznania a výkazy zamestnávateľa za posledné zdaňovacie obdobie"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_zamestnavatel_rodina=\"áno\"","v":false},"V prípade, ak je zamestnávateľ SZČO potvrdenie o podaní daňového priznania a daňových nedoplatkoch a potvrdenie o zaplatení dane"]
[null,{"$f":"IF(R285,S285,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(RK_spolupristupitel_zamestnanie_typ=\"Trvalý pracovný pomer, vlastná s.r.o.\",RK_spolupristupitel_prijem_ZC<>\"\")","v":false},"Kópia daňového priznania a výkazy zamestnávateľa za posledné zdaňovacie obdobie"]
[null,"DIÉTY",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N287:N288,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R287,S287,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_diety<>\"\"","v":false},"Výpis z účtu za posledných 6 mesiacov"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_diety<>\"\"","v":false},"V prípade, ak z preukázaného výpisu z účtu nebude možné presne identifikovať výšku diét aj potvrdenie od zamestnávateľa o výške poukazovaných diét za posledných  6 mesiacov"]
[null,"ZÁVISLÁ ČINNOSŤ V ZAHRANIČÍ",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N290:N293,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R290,S290,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(RK_spolupristupitel_prijem_ZC_typ<>\"v sr\",RK_spolupristupitel_prijem_ZC_typ<>\"\")","v":false},"Potvrdenie o zamestnaní a príjme "]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(RK_spolupristupitel_prijem_ZC_typ<>\"v sr\",RK_spolupristupitel_prijem_ZC_typ<>\"\")","v":false},"Úplný originál výpisu z účtu za posledné 3 mesiace"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(RK_spolupristupitel_prijem_ZC_typ<>\"v sr\",RK_spolupristupitel_prijem_ZC_typ<>\"\")","v":false},"Overená kópia pracovnej zmluvy"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"AND(RK_spolupristupitel_prijem_ZC_typ<>\"v sr\",RK_spolupristupitel_prijem_ZC_typ<>\"\")","v":false},"Overená kópia pracovného povolenia, ak krajina v ktorej účastník pracuje podľa príslušných platných právnych predpisov, takéto povolenie požaduje, resp. povolenia k pobytu"]
[null,"PRÍJEM OPATROVATEĽKY V RAKÚSKU",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N295:N299,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R295,S295,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_podn_typ=\"Opatrovateľka v Rak.\"","v":false},"Výpis z rakúskeho živnostenského oprávnenia"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_podn_typ=\"Opatrovateľka v Rak.\"","v":false},"Overená fotokópia výpisu/dokladu o úhrade odvodov do Sociálnej poisťovne v Rakúsku"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_podn_typ=\"Opatrovateľka v Rak.\"","v":false},"Overená fotokópia platnej zmluvy o dielo (tzn. opatrovateľská zmluva)"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_podn_typ=\"Opatrovateľka v Rak.\"","v":false},"Overená fotokópia úplného výpisu z účtu za posledné 3 mesiace"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_podn_typ=\"Opatrovateľka v Rak.\"","v":false},"Overená kópia daňového priznania k dani z príjmu fyzických osôb za posledné zdaňovacie obdobie podaného v SR, kde sú zahrnuté príjmy z Rakúska"]
[null,"SZČO (SR, ČR)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N301:N304,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R301,S301,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_spolupristupitel_podnikanie_druh=\"SZČO\",RK_spolupristupitel_podnikanie_druh=\"slobodné povolania\")","v":false},"Kópia daňového priznania a výkazy za posledné zdaňovacie obdobie"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_spolupristupitel_podnikanie_druh=\"SZČO\",RK_spolupristupitel_podnikanie_druh=\"slobodné povolania\")","v":false},"Potvrdenie o podaní daňového priznania a daňových nedoplatkoch pre fyzickú osobu"]
[null,{"$f":"IF(R303,S303,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_podnikanie_druh=\"slobodné povolania\"","v":false},"Kópia oprávnenia na výkon podnikateľskej činnosti: pri inej forme podnikania alebo inej samostatnej zárobkovej činnosti fyzickej osoby (napr. slobodné povolania) - doklad o pridelení DIČ, v prípade finančných agentov a poradcov je potrebné zdokladovať aj registráciu v registri finančných agentov a poradcov"]
[null,{"$f":"IF(R304,S304,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_spolupristupitel_podnikanie_druh=\"SZČO\",RK_spolupristupitel_podnikanie_druh=\"slobodné povolania\")","v":false},"Doklady preukazujúce príjmy v období medzi podaním posledného daňového priznania a posúdením schopnosti klienta splácať úver (napr. výpisy z podnikateľského účtu, mesačné závierky z elektronickej registračnej pokladne, faktúry,  zmluvy uzatvorené s treťou stranou preukazujúcou príjem a iné doklady, ktorými sa dá hodnoverne preukázať obrat za obdobie, ktoré nie je pokryté daňovým priznaním, minimálne za posledný mesiac) "]
[null,"PRÍJEM Z VLASTNEJ S.R.O.",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N306:N313,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R306,S306,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,false,"Kópia daňového priznania a výkazy za posledné zdaňovacie obdobie"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,false,"Potvrdenie o podaní daňového priznania a daňových nedoplatkoch pre právnickú osobu"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_spolupristupitel_prijem_podn_typ=\"s.r.o. - podiel na zisku\",RK_spolupristupitel_prijem_podn_typ=\"s.r.o. - zo zisku\",RK_spolupristupitel_prijem_podn_typ=\"s.r.o. - tržby\",RK_spolupristupitel_prijem_podn_typ=\"\nv SR z obratu/tržieb\")","v":false},"Kópia daňového priznania a výkazy (účtovná závierka) za posledné zdaňovacie obdobie v prípade ak nie sú zverejnené v Registri účtovných závierok"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_spolupristupitel_prijem_podn_typ=\"s.r.o. - podiel na zisku\",RK_spolupristupitel_prijem_podn_typ=\"s.r.o. - zo zisku\",RK_spolupristupitel_prijem_podn_typ=\"s.r.o. - tržby\",RK_spolupristupitel_prijem_podn_typ=\"\nv SR z obratu/tržieb\")","v":false},"Potvrdenie o podaní daňového priznania a daňových nedoplatkoch pre právnickú osobu"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_podn_typ=\"s.r.o. - podiel na zisku\"","v":false},"Právoplatný doklad o rozdelení zisku (napr. zápisnica) schváleného štatutárnym orgánom spoločnosti"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_podn_typ=\"s.r.o. - podiel na zisku\"","v":false},"Doklad o úhrade zisku - výpis z účtu, na ktorý bol podiel na zisku poukázaný"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,false,"Potvrdenie o registrácii do obchodného registra príslušným registrovaným súdom nie je vždy povinné,  ale schvaľovateľ si ho môže vyžiadať"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_spolupristupitel_prijem_podn_typ=\"s.r.o. - podiel na zisku\",RK_spolupristupitel_prijem_podn_typ=\"s.r.o. - zo zisku\",RK_spolupristupitel_prijem_podn_typ=\"s.r.o. - tržby\",RK_spolupristupitel_prijem_podn_typ=\"\nv SR z obratu/tržieb\")","v":false},"Doklady preukazujúce príjmy v období medzi podaním posledného daňového priznania a posúdením schopnosti klienta splácať úver (napr. výpisy z podnikateľského účtu, mesačné závierky z elektronickej registračnej pokladne, faktúry, zmluvy uzatvorené s treťou stranou preukazujúcou príjem a iné doklady, ktorými sa dá hodnoverne preukázať obrat za obdobie, ktoré nie je pokryté daňovým priznaním, minimálne za posledný mesiac)"]
[null,"PRÍJEM ČLENOV VYBRANÝCH KOMÔR",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N315:N318,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R315,S315,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_podn_typ=\"členovia komory\"","v":false},"Doklad preukazujúci členstvo v komore"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_podn_typ=\"členovia komory\"","v":false},"Kópia daňového priznania a výkazy za posledné zdaňovacie obdobie"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_podn_typ=\"členovia komory\"","v":false},"Potvrdenie o podaní daňového priznania a daňových nedoplatkoch pre fyzickú osobu"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_podn_typ=\"členovia komory\"","v":false},"Doklady preukazujúce príjmy v období medzi podaním posledného daňového priznania a posúdením schopnosti klienta splácať úver (napr. výpisy z podnikateľského účtu, mesačné závierky z elektronickej registračnej pokladne, faktúry, zmluvy uzatvorené s treťou stranou preukazujúcou príjem a iné doklady, ktorými sa dá hodnoverne preukázať obrat za obdobie, ktoré nie je pokryté daňovým priznaním, minimálne za posledný mesiac)"]
[null,"PRÍJEM NA ZÁKLADE PROVÍZIÍ PRE VYBRANÝCH EXTERNÝCH PARTNEROV",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N320:N322,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R320,S320,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_podn_typ=\"SZČO - EP\"","v":false},"Potvrdenie o vyplatených províziách"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B321=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"RK_spolupristupitel_prijem_podn_typ=\"SZČO - EP\"","v":false},"Kópia daňového priznania a výkazy za posledné zdaňovacie obdobie"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_podn_typ=\"SZČO - EP\"","v":false},"Potvrdenie o podaní daňového priznania a daňových nedoplatkoch"]
[null,"PRÍJEM - PRECHOD ZO SZČO NA S.R.O.",null,null,null,null,null,null,null,null,null,null,null,false]
[null,"PRÍJEM Z PRENÁJMU NEHNUTEĽNOSTI",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N325:N327,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R325,S325,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_ine_typ=\"prenájom\"","v":false},"Výpis z listu vlastníctva k prenajímanej nehnuteľnosti, môže byť stiahnutý z katasterportálu (žiadateľ alebo spolužiadateľ 1 musí byť vlastníkom)"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_ine_typ=\"prenájom\"","v":false},"Overená fotokópia nájomnej zmluvy"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_ine_typ=\"prenájom\"","v":false},"Kópia daňového priznania a výkazy za posledné zdaňovacie obdobie. V prípade nepodania daňového priznania (klient s uvedenou činnosťou začal v danom roku) príjem zdokladuje výpismi z účtu min. za posledné 3 mesiace (overená fotokópia predajcom)"]
[null,"PRÍJEM DOKTORANDA",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B329=\"\",FALSE,TRUE)","v":false}]
[null,{"$f":"IF(R329,S329,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_ine_typ=\"Doktorand\"","v":false},"Potvrdenie o dennej forme doktorandského štúdia"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_ine_typ=\"Doktorand\"","v":false},"Úplný výpis z účtu za posledných 6 mesiacov"]
[null,"DÔCHODOK",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N332:N333,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R332,S332,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_spolupristupitel_prijem_dochodok_typ=\"výsluhový\",RK_spolupristupitel_prijem_ine_typ=\"sirot.dôchodok\",RK_spolupristupitel_prijem_ine_typ=\"vdov.dôchodok\")","v":false},"Platný výmer, rozhodnutie alebo iný doklad"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"OR(RK_spolupristupitel_prijem_dochodok_typ=\"výsluhový\",RK_spolupristupitel_prijem_ine_typ=\"sirot.dôchodok\",RK_spolupristupitel_prijem_ine_typ=\"vdov.dôchodok\")","v":false},"Úplný výpis z účtu za posledný mesiac resp. potvrdenie príslušnej pošty o vyplatení dôchodku"]
[null,"RODIČOVSKÝ PRÍSPEVOK",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B335=\"\",FALSE,TRUE)","v":false}]
[null,{"$f":"IF(R335,S335,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_prispevky_typ=\"rodič. príspevok\"","v":false},"V prípade, že klient poberá rodičovský príspevok v pravidelnej výške a výška príspevku je preukázateľná napr. výpisom z účtu, k rozhodnutiu úveru nie je potrebné predloženie rozhodnutia z ÚPSVR o poberaní rodičovského príspevku, postačuje len predloženie výpisu z účtu"]
[null,"MATERSKÁ",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B337=\"\",FALSE,TRUE)","v":false}]
[null,{"$f":"IF(R337,S337,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"RK_spolupristupitel_prijem_prispevky_typ=\"materská\"","v":false},"V prípade poberania materského príspevku je k žiadosti o úver potrebné predložiť okrem rozhodnutia z ÚPSVR o poberaní príspevku aj výpis z účtu"]
[null,"PRÍSPEVOK ZAMESTNÁVATEĽA NA BÝVANIE (INÉ BENEFITY)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N339:N340,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R339,S339,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B339=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_spolupristupitel_prijem_ine),RK_spolupristupitel_prijem_ine_typ=\"prísp.na bývanie\")","v":false},"Potvrdenie od zamestnávateľa"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B340=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_spolupristupitel_prijem_ine),RK_spolupristupitel_prijem_ine_typ=\"prísp.na bývanie\")","v":false},"Výpis z účtu za posledné 3 mesiace"]
[null,"ODMENA PESTÚNA",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N342:N343,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R342,S342,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B342=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_spolupristupitel_prijem_ine),RK_spolupristupitel_prijem_ine_typ=\"odmena pestúna\")","v":false},"Potvrdenie o preberaní príspevku"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B343=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_spolupristupitel_prijem_ine),RK_spolupristupitel_prijem_ine_typ=\"odmena pestúna\")","v":false},"Výpis z účtu za posledné 3 mesiace"]
[null,"PRÍSPEVOK ZA OPATROVANIE",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N345:N346,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R345,S345,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B345=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_spolupristupitel_prijem_ine),RK_spolupristupitel_prijem_ine_typ=\"prísp.za opatrovanie\")","v":false},"Potvrdenie o preberaní príspevku"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B346=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_spolupristupitel_prijem_ine),RK_spolupristupitel_prijem_ine_typ=\"prísp.za opatrovanie\")","v":false},"Výpis z účtu za posledné 3 mesiace"]
[null,"ODVODOVÁ  ÚĽAVA",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTIF(N348:N350,TRUE)>0,TRUE,FALSE)","v":false}]
[null,{"$f":"IF(R348,S348,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B348=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_spolupristupitel_prijem_ine),RK_spolupristupitel_prijem_ine_typ=\"odvodová úľava\")","v":false},"Potvrdenie o poskytnutí odvodovej úľavy pre zamestnávateľa na zamestnanca (účastníka úveru)"]
[null,{"$f":"IF(R349,S349,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B349=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_spolupristupitel_prijem_ine),RK_spolupristupitel_prijem_ine_typ=\"odvodová úľava\")","v":false},"Overená kópia pracovnej zmluvy, resp. potvrdenia od zamestnávateľa"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B350=\"\",FALSE,TRUE)","v":false},null,null,null,{"$f":"AND(ISNUMBER(RK_spolupristupitel_prijem_ine),RK_spolupristupitel_prijem_ine_typ=\"odvodová úľava\")","v":false},"Výpis z účtu za posledné 3 mesiace"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B351=\"\",FALSE,TRUE)","v":false}]
[null,"VÝNIMKA - SPOLUŽIADATEĽ 3",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B353=\"\",FALSE,TRUE)","v":false}]
[null,{"$f":"IF(R353,S353,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"YEARFRAC(RK_spolupristupitel_prac_pomer_od,TODAY())*12<6","v":false},"Pracovná zmluva od predchádzajúceho zamestnávateľa"]
[null,"",null,null,null,null,null,null,null,null,null,null,null,false,null,null,null,{"$f":"YEARFRAC(RK_spolupristupitel_prac_pomer_od,TODAY())*12<6","v":false},"Výpisy z účtu min. za posledné 3 mesiace (kde boli poukazované príjmy od predchádzajúceho zamestnávateľa)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Vypracované dňa: ",null,{"$f":"TODAY()","v":43885},null,null,null,null,"Podpis sprostredkovateľa:",null,null,null,null,true]

{"sheet":"REKO_SEI","index":32,"n_rows":71,"n_cols":3,"rows_kept":71,"cut":false,"hidden":true,"merged":[[25,1,25,2],[0,1,0,2],[2,1,2,2],[9,1,9,2],[10,1,10,2],[13,1,14,1],[62,1,62,2],[70,1,70,2],[26,1,28,1],[29,1,31,1],[44,1,50,1],[51,1,51,2],[58,1,58,2]]}
[null,"ŠTANDARDNÉ EURÓPSKE INFORMÁCIE O SPOTREBITEĽSKOM ÚVERE"]
[]
[null,"1. Totožnosť a kontaktné údaje veriteľa spotrebiteľského úveru"]
[null,"Veriteľ","ČSOB stavebná sporiteľňa, a.s., IČO: 35 799 200, \nzapísaná v Obchodnom registri Okresného súdu Bratislava I. v odd. Sa, vložka č. 2590/B"]
[null,"Adresa","Žižkova 11, 811 02 Bratislava"]
[null,"Telefónne číslo (*)","infolinka: 0800 111 303"]
[null,"E-mailová adresa (*)","e-mail: csobsp@csobsp.sk"]
[null,"Faxové číslo (*)","421 2 5966 7920"]
[null,"Webové sídlo (*)","www.csob.sk"]
[null,"(*) Táto informácia nie je pre veriteľa povinná"]
[null,"2. Opis hlavných vlastností spotrebiteľského úveru"]
[null,"Druh spotrebiteľského úveru",{"$f":"RK_ziadost_ts","v":"REKO úver"}]
[null,"Celková výška spotrebiteľského úveru \n(Maximálna výška alebo celková čiastka, ktorá bola dohodnutá v zmluve o spotrebiteľskom úvere)",{"$f":"RK_ziadost_vyska_uveru","v":0}]
[null,"Podmienky, ktoré upravujú čerpanie peňažných prostriedkov\n(Akým spôsobom a kedy spotrebiteľ dostane peniaze)\n\n\n\n\n","Klient začne čerpať úver až po splnení odkladacích podmienok dohodnutých v článku V. zmluvy o spotrebiteľskom úvere (ďalej len „Zmluva“), a to bezhotovostným prevodom z úverového účtu na účet uvedený v Zmluve. V prípade, že po uzatvorení Zmluvy dlžník písomne požiada o čerpanie úveru na účet odlišný od účtu uvedeného v Zmluve v zmysle predložených dokladov účelového použitia, úver bude čerpaný v súlade s písomnou žiadosťou dlžníka a za podmienok stanovených Veriteľom.  \nČerpanie úveru sa uskutoční nasledovným spôsobom: "]
[null,null,{"$f":"IF(RK_ziadost_sposob_cerpania=\"\",\"\",RK_ziadost_sposob_cerpania)","v":"ihneď po splnení odkladacích podmienok, preddavkovo"}]
[null,"Doba trvania zmluvy o spotrebiteľskom úvere",{"$f":"(trvanie_celkom) & \" \" & \"mesiacov\"","v":"0 mesiacov"}]
[null,"Splátky a prípadne poradie, v ktorom sa budú splátky poukazovať:\n\n\n\n\n\n\n","Spotrebiteľ musí zaplatiť:"]
[null,{"$f":"IF(RK_splatnost_MU=0,\" \",\"počet x výška splátky (mimoriadneho) medziúveru:\")","v":{"$error":"#N/A"}},{"$f":"IF(RK_splatnost_MU=0,\" \",RK_splatnost_MU&\" \"&\"x\"&\" \"&ROUND(RK_MU_splatka,2)&\" \"&\"€\")","v":{"$error":"#N/A"}}]
[null,{"$f":"IF(RK_splatnost_MU=0,\" \",\"počet x výška splátky stavebného úveru:\")","v":{"$error":"#N/A"}},{"$f":"IF(RK_splatnost_SU=0,\" \",RK_splatnost_SU&\" \"&\"x\"&\" \"&ROUND(RK_SU_splatka,2)&\" \"&\"€\")","v":{"$error":"#N/A"}}]
[null,null,"Splátky je potrebné uhrádzať mesačne, vždy najneskôr do 16-teho dňa v mesiaci na účet uvedený v Zmluve"]
[null,null,"Úrok a poplatky sa budú splácať takto:"]
[null,null,"ako súčasť splátky, mesačne, vždy k 16. dňu v mesiaci na účet uvedený v Zmluve "]
[null,"Celková čiastka, ktorú bude spotrebiteľ musieť zaplatiť \n(Výška požičanej istiny plus úroky a prípadne náklady spojené so spotrebiteľským úverom)",{"$f":"RK_ziadost_zaplatene_spolu","v":{"$error":"#N/A"}}]
[null,"Vyžadované záruky"]
[null,{"$f":"IF(druh_uveru_vybrany=\"(mimoriadny) medziúver\",\"Splátky (mimoriadneho) medziúveru nevedú k okamžitej amortizácii istiny\",\" \")","v":"Splátky (mimoriadneho) medziúveru nevedú k okamžitej amortizácii istiny"},{"$f":"IF(druh_uveru_vybrany=\"(mimoriadny) medziúver\",\"Počas splácania (mimoriadneho) medziúveru spotrebiteľ platí úrok a poplatky\",\" \")","v":"Počas splácania (mimoriadneho) medziúveru spotrebiteľ platí úrok a poplatky"}]
[null,"3. Náklady spojené so spotrebiteľským úverom"]
[null,"Úroková sadzba spotrebiteľského úveru alebo v prípade potreby rôzne úrokové sadzby spotrebiteľského úveru, ktoré sa vzťahujú na zmluvu o spotrebiteľskom úvere: \n\n",{"$f":"\"úroková sadzba (mimoriadneho) medziúveru\"&\":\"&\" \"&RK_sadzba_final*100&\" \"&\"%\"&\" \"&\"p.a.\"","v":"úroková sadzba (mimoriadneho) medziúveru: 5,5 % p.a."}]
[null,null,{"$f":"\"úroková sadzba stavebného úveru\"&\":\"&\" \"&RK_sadzba_SU*100&\" \"&\"%\"&\" \"&\"p.a.\"","v":"úroková sadzba stavebného úveru: 5 % p.a."}]
[]
[null,"Ročná percentuálna miera nákladov \n(Celkové náklady vyjadrené ako ročné percento z celkovej výšky úveru)\nRočná percentuálna miera nákladov pomáha spotrebiteľovi porovnať si rôzne ponuky)\n\n\n\n\n\n\n\n\n",{"$f":"\"RPMN medziúveru\"&\":\"&\" \"&ROUND(RK_RPMN_MU*100,2)&\" \"&\"%\"&\" \"&\"p.a.\"","v":"RPMN medziúveru: 0 % p.a."}]
[null,null,{"$f":"\"RPMN stavebného úveru\"&\":\"&\" \"&ROUND(RK_RPMN_SU_2*100,2)&\" \"&\"%\"&\" \"&\"p.a.\"","v":{"$error":"#N/A"}}]
[null,null,"Reprezentatívny príklad:\nSchválený medziúver (MÚ) :\nVyplatený úver  – 10 000 € \nÚroková sadzba – 6,67% p.a.\nSplátka MÚ – 56,57 € (vrátane poplatku o poskytnutí informácií o zúčtovaní na účte)\nPočet splátok - 79"]
[null,null,"Poplatky vstupujúce do výpočtu RPMN:\nPoplatok za spracovanie MÚ, poplatok o poskytnutí informácií o zúčtovaní na účte, iné poplatky (napr. poplatok za podanie návrhu na vklad do katastra a pod)"]
[null,null,"RPMN Medziúver (X) = 7,15%"]
[null,null,"Preklopený stavebný úver (SÚ)\nObjem po preklopení – 7 248 € \nÚroková sadzba – 5,49% p.a.\nSplátka SÚ – 89,57 € \nPočet splátok - 101"]
[null,null,"Poplatky vstupujúce do výpočtu RPMN:\nAlikvotná časť poplatku za uzatvorenie zmluvy o stavebnom sporení, poplatok o poskytnutí informácií o zúčtovaní na účte.\n\n\n\n\nRPMN Stavebný úver (X) = 5,50%"]
[null,null,"Ročná percentuálna miera nákladov\nNa účely výpočtu ročnej percentuálnej miery nákladov sa použijú celkové náklady spotrebiteľa spojené so spotrebiteľským úverom s výnimkou poplatkov, ktoré musí spotrebiteľ zaplatiť za nedodržanie akýchkoľvek záväzkov ustanovených v zmluve o spotrebiteľskom úvere, a iných poplatkov, ktorú je  spotrebiteľ povinný zaplatiť za kúpu tovaru alebo uskutočnenie služieb bez ohľadu na to, či sa operácia vykoná v hotovosti alebo na úver.\nRovnica pre výpočet RPMN:\nm                                                    m'\n∑ Ck(1+X)-tk = ∑ Dl (1+X)-Sl\n k=1                    l=1\nVýznam symbolov: \n– X je ročná percentuálna miera nákladov,\n– m je číslo posledného čerpania,\n– k je číslo čerpania, preto 1 ≤ k ≤ m,\n– Ck je výška čerpania k,\n– tk je interval vyjadrený v rokoch a zlomkoch roka medzi dátumom prvého čerpania a dátumom každého nasledujúceho čerpania, preto t1 = 0,\n– m' je číslo poslednej splátky alebo platby poplatkov,\n– l je číslo splátky alebo platby poplatkov,\n– Dl je výška splátky alebo platby poplatkov,\n– Sl je interval vyjadrený v rokoch a zlomkoch roka medzi dátumom prvého čerpania a dátumom každej splátky alebo platby poplatkov.\nPredpoklady pre výpočet RPMN:\n– Pri prepočte RPMN sa  používa výška poplatkov podľa sadzobníka platného v dobe schválenia úveru.\n– Všetky poplatky sú zohľadnené pri výpočte v termínoch, ktoré zodpovedajú zmluvným podmienkam"]
[null,"Súvisiace náklady *","vždy v zmysle aktuálneho sadzobníka poplatkov"]
[null,"poplatok za spracovanie a schválenie úverového prípadu: ",{"$f":"popl_spracovanie","v":0}]
[null,"Poskytnutie informácie o zúčtovaní na účte k zmluve o medziúvere alebo stavebnom úvere:",2.5]
[null,"Poskytnutie informácie o zúčtovaní na účte k zmluve stavebného sporenia poštou:",3.5]
[null,"Akékoľvek iné náklady vyplývajúce zo zmluvy o spotrebiteľskom úvere","NIE"]
[null,"Podmienky, za ktorých sa uvedené náklady spojené so zmluvou o spotrebiteľskom úvere môžu zmeniť \n","Výška poplatkov sa riadi aktuálne platným sadzobníkom poplatkov a počas trvania úveru sa môže zmeniť rozhodnutím veriteľa. Prípadná zmena sadzobníka bude oznámená zverejnením na internetovej stránke veriteľa a jeho obchodných miestach najmenej 15 dní pred nadobudnutím účinnosti príslušnej zmeny."]
[null,"Povinnosť klienta zaplatiť notárske poplatky ","Podpis na zmluvnej dokumentácii musí byť úradne overený. Overenie podpisu môžu vykonať osoby oprávnené vykonávať túto činnosť na základe udeleného plnomocenstva resp. poverení  zamestnanci veriteľa (bez poplatku) alebo matrika alebo notárske úrady (za poplatok)."]
[null,"Náklady v prípade oneskorených splátok\n\n(Chýbajúce splátky môžu mať pre spotrebiteľa vážne následky a to až vyhlásením okamžitej splatnosti úveru zo strany veriteľa)","Za chýbajúce splátky sa bude spotrebiteľovi účtovať\n- úrok z omeškania v zmysle Zmluvy: "]
[null,null,{"$f":"IF(druh_uveru_vybrany=\"(mimoriadny) medziúver\",\"(mimoriadny) medziúver: 5% p.a.\",\" \")","v":"(mimoriadny) medziúver: 5% p.a."}]
[null,null,"stavebný úver: 3% p.a."]
[null,null,"Poplatky za upomienky pri neplnení záväzkov:"]
[null,null,"1. upomienka:     10 €"]
[null,null,"2. upomienka:     18 €"]
[null,null,"Ďalšia výzva:      bez poplatku"]
[null,"4. Iné dôležité právne aspekty"]
[null,"Právo na odstúpenie od zmluvy o úvere\n(Spotrebiteľ má právo na odstúpenie od zmluvy o spotrebiteľskom úvere v lehote 14 kalendárnych dní)","ÁNO - na základe písomnej žiadosti doručenej veriteľovi dohodnutým spôsobom\n"]
[null,"Predčasné splatenie úveru\n(Spotrebiteľ má právo na úplné alebo čiastočné predčasné splatenie úveru kedykoľvek počas splácania úveru)","ÁNO - na základe písomnej žiadosti doručenej veriteľovi dohodnutým spôsobom\n"]
[null,"Veriteľ má pri predčasnom splatení spotrebiteľského úveru právo na kompenzáciu","Poplatok max. 1 % výšky splateného úveru pred lehotou splatnosti, ak obdobie medzi splatením úveru a dohodnutým dátumom ukončenia presahuje 1 rok. Nemôže presiahnuť 0,5%, ak obdobie medzi splatením úveru a dohodnutým dátumom splatnosti nepresahuje 1 rok. Táto výška nesmie presiahnuť výšku úroku, ktorú by spotrebiteľ zaplatil  počas obdobia medzi splatením úveru a dohodnutým dátumom ukončenia úveru.\nAk suma splátok splateného spotrebiteľského úveru pred dohodnutou lehotou splatnosti za obdobie predchádzajúcich po sebe idúcich 12 mesiacov vrátane naposledy vykonanej splátky nepresahuje 10 000 eur alebo splatenie spotrebiteľského úveru pred dohodnutou lehotou splatnosti sa uskutoční v súvislosti s uplynutím doby fixácie úrokovej sadzby spotrebiteľského úveru je predčasné splatenie úveru bez poplatku."]
[null,"Nahliadnutie do databázy\n(Veriteľ musí spotrebiteľa okamžite a bezplatne informovať o výsledku nahliadnutia do databázy, ak žiadosť o spotrebiteľský úver zamietol na základe tohto nahliadnutia. Neplatí to, ak je poskytnutie takejto informácie zakázané podľa právnych predpisov Európskej únie)","Ak bude úver zamietnutý na základe nahliadnutia do databázy, písomné oznámenie o zamietnutí úveru bude obsahovať informáciu, na základe výsledku akej databázy bol úver zamietnutý "]
[null,"Právo na vyhotovenie návrhu zmluvy o spotrebiteľskom úvere\n(Spotrebiteľ má právo dostať bezplatne na vlastnú žiadosť vyhotovenie návrhu zmluvy o spotrebiteľskom úvere pred uzavretím zmluvy o úvere. Toto ustanovenie sa neuplatňuje, ak veriteľ v čase podania žiadosti spotrebiteľa nie je ochotný so spotrebiteľom uzavrieť zmluvu o spotrebiteľskom úvere.)","ÁNO - ak úver bude schválený, spotrebiteľ môže pred uzavretím zmluvy požiadať o vyhotovenie návrhu zmluvy"]
[null,"Čas, počas ktorého je veriteľ viazaný informáciami poskytnutými pred uzavretím zmluvy o spotrebiteľskom úvere","Tieto informácie sú platné 15 dní od dátumu vystavenia ponuky\n"]
[null,"* poplatky uvedené v tejto informácii sú poplatky platné ku dňu vystavenia informácie a môžu sa počas splácania úveru meniť"]
[]
[null,"Dátum vystavenia ponuky:",{"$f":"TODAY()","v":43885}]
[]
[null,"Svojim podpisom potvrdzujem prevzatie formulára Štandardné európske informácie o spotrebiteľskom úvere."]
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[null,"Podpis žiadateľa o úver:"]
[null,null,{"$f":"TRIM(IF(RK_ziadatel_titul_pred=\"\",\"\",RK_ziadatel_titul_pred)&\" \"&IF(RK_ziadatel_meno=\"\",\"\",RK_ziadatel_meno)&\" \"&IF(RK_ziadatel_priezvisko=\"\",\"\",RK_ziadatel_priezvisko)&IF(RK_ziadatel_titul_za=\"\",\"\",\", \"&RK_ziadatel_titul_za))","v":""}]
[]
[null,"ČSOB stavebná sporiteľňa, a.s.\nBratislava 1, PSČ 811 02, Žižkova 11; IČO: 35 799 200; DIČ: 2021544030; IČ pre DPH: SK7020000218 \nzapísaná v Obchodnom registri Okresného súdu Bratislava I. v odd. Sa, vložka č. 2590/B\ninfolinka: 0800 111 303,  fax:  02 5966 7920; www.csob.sk; csobsp@csobsp.sk"]

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[]
[null,"ROČNÁ PERCENTUÁLNA MIERA NÁKLADOV A PRIEMERNÁ ROČNÁ PERCENTUÁLNA MIERA NÁKLADOV                            "]
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[null,"Ročná percentuálna miera nákladov \n(celkové náklady vyjadrené ako ročné percento z celkovej výšky úveru)\n\n\n\n\n\n\n\n\n",{"$f":"REKO_SEI!$C$30","v":"RPMN medziúveru: 0 % p.a."}]
[null,null,{"$f":"REKO_SEI!$C$31","v":{"$error":"#N/A"}}]
[null,"Priemerná hodnota ročnej percentuálnej miery nákladov za príslušný kalendárny štvrťrok (v % p.a.)\n",{"$f":"REKO_SEI!#REF!","v":{"$error":"#REF!"}}]
[null,null,{"$f":"REKO_SEI!#REF!","v":{"$error":"#REF!"}}]
[]
[]
[null,{"$f":"REKO_SEI!B61","v":"Dátum vystavenia ponuky:"},{"$f":"TODAY()","v":43885}]
[]
[null,"Svojim podpisom potvrdzujem prevzatie Formulára - ročná percentuálna miera nákladov a priemerná ročná percentuálna miera nákladov."]
[]
[]
[null,"Podpis žiadateľa o úver:"]
[null,null,{"$f":"TRIM(IF(RK_ziadatel_titul_pred=\"\",\"\",RK_ziadatel_titul_pred)&\" \"&IF(RK_ziadatel_meno=\"\",\"\",RK_ziadatel_meno)&\" \"&IF(RK_ziadatel_priezvisko=\"\",\"\",RK_ziadatel_priezvisko)&IF(RK_ziadatel_titul_za=\"\",\"\",\", \"&RK_ziadatel_titul_za))","v":""}]
[]
[]
[null,"ČSOB stavebná sporiteľňa, a.s.\nBratislava 1, PSČ 811 02, Žižkova 11; IČO: 35 799 200; DIČ: 2021544030; IČ pre DPH: SK7020000218 \nzapísaná v Obchodnom registri Okresného súdu Bratislava I. v odd. Sa, vložka č. 2590/B\ninfolinka: 0800 111 303,  fax:  02 5966 7920; www.csob.sk; csobsp@csobsp.sk"]

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[null,null,"PREHLÁSENIE KLIENTA"]
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[null,null,"Ja, doleuvedený podpísaný: "]
[null,null,"narodený: "]
[null,null,"trvale bytom: "]
[null,null,"prehlasujem, že som oboznámený s tým, že politicky exponovanou osobou v zmysle zákona č. 297/2008 Z. z. O ochrane pred legalizáciou príjmov z trestnej činnosti a o ochrane pred financovaním terorizmu a o zmene a doplnení niektorých zákonov, sa rozumie:"]
[null,null,"1. Fyzická osoba, ktorá je vo významnej verejnej funkcii a nemá po dobu jej výkonu a po dobu jedného roka od skončenia výkonu významnej verejnej funkcie trvalý pobyt na území Slovenskej republiky. \n\n2. Významnou verejnou funkciou je :\na) hlava štátu, predseda vlády, podpredseda vlády, minister, vedúci ústredného orgánu štátnej správy, štátny tajomník alebo obdobný zástupca ministra,\nb) poslanec zákonodarného zboru,\nc) sudca najvyššieho súdu, sudca ústavného súdu alebo iných súdnych orgánov vyššieho stupňa, proti rozhodnutiu ktorých sa s výnimkou osobitných prípadov už nemožno odvolať,\nd) člen dvora audítorov alebo rady centrálnej banky,\ne) veľvyslanec, chargé d´affaires,\nf) vysoko postavený príslušník ozbrojených síl,\ng) člen riadiaceho orgánu, dozorného orgánu alebo kontrolného orgánu štátneho podniku alebo obchodnej spoločnosti patriacej do vlastníctva štátu, alebo\nh) osoba v inej obdobnej funkcii vykonávanej v inštitúciách Európskej únie alebo v medzinárodných organizáciách.\n\n3. Politicky exponovanou osobou sa rozumie aj fyzická osoba, ktorou je \na) manžel, manželka alebo osoba, ktorá má podobné postavenie ako manžel alebo manželka osoby uvedenej v odseku 1,\nb) dieťa, zať, nevesta osoby uvedenej v odseku 1 alebo osoba, ktorá má podobné postavenie ako zať alebo nevesta osoby uvedenej v odseku 1, alebo\nc) rodič osoby uvedenej v odseku 1.\n\n4. Politicky exponovanou osobou sa rozumie aj fyzická osoba, o ktorej je známe, že je konečným užívateľom výhod: \na) rovnakého klienta alebo inak ovláda rovnakého klienta ako osoba uvedená v odseku 1 alebo podniká spolu s osobou uvedenou v odseku 1, alebo\nb) klienta, ktorý bol zriadený v prospech osoby uvedenej v odseku 1.\n"]
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[null,null,"S ohľadom na vyššie uvedené prehlasujem, že:"]
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[null,null,null,null,null,"nespĺňam kritériá politicky exponovanej osoby "]
[]
[null,null,null,null,null,"som ______________________________________________1  a teda spĺňam kritériá politicky exponovanej osoby."]
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[]
[null,null,"V",{"$f":"RK_miesto","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"dňa",null,{"$f":"RK_ziadost_datum","v":43885.543904166669}]
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[null,null,"podpis"]
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[null,null,"1 Doplňte slovne alebo odkazom na príslušný odstavec, ktorá z kategórií politicky exponovanej osoby sa na Vás vzťahuje."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PEO - 1/4"]
[null,null,"REPRESENTATION"]
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[]
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[null,null,"I, the undersigned: ",null,null,null,null,null,null,{"$f":"IF(peo_meno=\"\",\"\",peo_meno)","v":""}]
[null,null,"born on: ",null,null,null,null,null,null,{"$f":"IF(peo_narodeny=\"\",\"\",peo_narodeny)","v":""}]
[null,null,"permanently residing in: ",null,null,null,null,null,null,{"$f":"IF(peo_trvale_bytom=\"\",\"\",peo_trvale_bytom)","v":""}]
[null,null,"represent that I understand the ’term person politically exposed’ pursuant to ACT No. 297/2008 on Prevention of the Legalization of Proceeds of Crime and the Financing of Terrorism and on Amendments and Supplements to Certain Acts, which means:"]
[null,null,"1. An individual holding a prominent public office who is not permanently domiciled in the Slovak Republic during and one year after their term of office.   \n\n2. A prominent public office shall mean:\na) the head of state, prime minister, deputy prime minister, minister, a head of a government agency, state secretary or a similar deputy of a minister;  \nb) a member of the Parliament;\nc) a judge of the supreme court, judge of the constitutional court or other high-level judicial body the decisions of which are not subject to further appeal, except in exceptional circumstances;\nd) a member of the court of auditors or of the central bank board;\ne) an ambassador or chargé d’affaires;\nf) a high-rank military officer;\ng) a member of the executive body or supervisory body of a state enterprise or a state-owned company; or \nh) a person holding a similar post in the institutions of the European Union or international organizations.\n\n3. For the purposes hereof, a politically exposed person shall also mean an individual who is\na) the spouse, or a partner equivalent to the spouse, of a person referred to in subsection 1, or\nb) a child, a son-in law or daughter-in law of a person referred to in subsection 1, or a person having a status similar to that of a son-in law or daughter-in law of a person referred to in subsection 1; or\nc) a parent of a person referred to in subsection 1.\n\n4. For the purposes hereof, a politically exposed person shall also be taken to mean an individual known to be the beneficial owner of\na) the same client, or to be otherwise in control of the same client, as a person referred to in subsection 1, or known to run a common business with a person referred to in subsection 1; or\nb) a client established for the benefit of a person referred to in subsection 1.\n"]
[]
[null,null,"With regard to the above-mentioned text I represent that:"]
[]
[null,null,null,null,null,"I do not fulfil the criteria of a politically exposed person "]
[]
[null,null,null,null,null,"I am __________________________________________2   and that is why I fulfil the criteria of a politically exposed person."]
[]
[]
[]
[null,null,"in",{"$f":"RK_miesto","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"date",null,{"$f":"RK_ziadost_datum","v":43885.543904166669}]
[]
[]
[]
[]
[]
[null,null,"signature"]
[]
[]
[]
[]
[null,null,"2 Fill in in words or by reference to the respective Paragraph which category of the politically exposed person applies to you."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PEO - 2/4"]
[null,null,"Prehlásenie o Pôvode finančných prostriedkov"]
[]
[]
[]
[null,null,"V zmysle Zákona č. 297/2008 Z. z. o ochrane pred legalizáciou príjmov z trestnej činnosti a o ochrane pred financovaním terorizmu a o zmene a doplnení niektorých zákonov, účinného od 1.9.2008 (ďalej len \"Zákon\"), najmä § 12, požaduje Banka od svojich klientov, ktorí sú v zmysle uvedeného Zákona identifikovaní ako Politicky exponovaná osoba (§ 6 Zákona, ďalej len \"PEO\"), toto Prehlásenie o pôvode finančných prostriedkov. Rovnaké Prehlásenie Banka vyžaduje aj od osôb s dispozičným oprávnením ku účtom klientov, ktoré sú v zmysle uvedeného Zákona identifikovaní ako PEO. Banka je povinná toto prehlásenie vyžadovať u všetkých transakcií, ktoré vykoná PEO na všetkých účtoch, ktorých je majiteľom, alebo ku ktorým má dispozičné oprávnenia. "]
[]
[]
[]
[]
[]
[null,null,"Meno a priezvisko PEO klienta  (fyzická osoba)",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(peo_meno=\"\",\"\",peo_meno)","v":""}]
[null,null,"Plná adresa sídla PEO ",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(peo_trvale_bytom=\"\",\"\",peo_trvale_bytom)","v":""}]
[null,null,"Číslo účtu a čiastka"]
[null,null,"Rodné číslo alebo dátum narodenia klienta"]
[]
[null,null,"Na základe uvedeného Zákona prehlasujem, že finančné prostriedky na horeuvedenom účte pochádzajú z nasledovnej (nasledovných) činnosti: "]
[]
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[]
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[]
[]
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[]
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[]
[]
[null,null,"V",{"$f":"RK_miesto","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"dňa",null,{"$f":"RK_ziadost_datum","v":43885.543904166669}]
[]
[]
[]
[]
[]
[null,null,"podpis PEO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"meno a podpis finančného agenta"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PEO - 3/4"]
[null,null,"Declaration on the Origins of financial funds"]
[]
[]
[]
[null,null,"Based on the Act. no 297/2008 on Prevention of the Legalization of Proceeds of Crime and the Financing of Terrorism and on Amendments and Supplements to Certain Acts, effective from 1.9.2008 (further only the Act), mainly article 12, the Bank requests from its clients, who fall under identification as Politically Exposed Persons (article 6 of the Act, further only PEP's) this Declaration on the Origins of financial funds. The Bank requests the same Declaration from the persons with the rights of disposal to client's accounts, which are identified as PEP's. The Bank is obliged to request this declaration as for all transactions, made by the PEP on his acounts, or on the accounts, where he holds disposal rights. "]
[]
[]
[]
[]
[]
[null,null,"Name and Surname of the PEP (physical person)",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(peo_meno=\"\",\"\",peo_meno)","v":""}]
[null,null,"Full adress of the PEP",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(peo_trvale_bytom=\"\",\"\",peo_trvale_bytom)","v":""}]
[null,null,"Account number and value",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(peo_cislo_zmluvy=\"\",\"\",peo_cislo_zmluvy)","v":""}]
[null,null,"Birth certificate number or date of birth",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(peo_RC=\"\",\"\",peo_RC)","v":""}]
[]
[]
[null,null,"Based on the mentioned Act, I hereby declare, that the financial funds credited to the stated account originate from following activities:"]
[]
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[]
[]
[]
[]
[]
[]
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[null,null,"in",{"$f":"RK_miesto","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"date",null,{"$f":"RK_ziadost_datum","v":43885.543904166669}]
[]
[]
[]
[]
[]
[null,null,"signature of PEP",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"full name and signature of financial agent"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PEO - 4/4"]

{"sheet":"REKO_vyhlasenia_UR_tlac","index":35,"n_rows":21,"n_cols":31,"rows_kept":21,"cut":false,"hidden":true,"merged":[[17,1,17,6],[17,7,17,16],[17,18,17,37],[18,1,18,37],[17,0,20,0],[19,1,20,25],[20,26,20,29],[20,30,20,37],[0,1,2,29],[4,10,4,24],[6,10,6,24],[6,29,6,37],[7,1,7,37],[8,1,8,37],[9,1,9,37],[5,10,5,24],[11,1,11,14],[19,26,19,29],[19,30,19,37],[12,2,12,13]]}
[null,"SÚHLAS NA VSTUP DO SPOLOČNÉHO REGISTRA BANKOVÝCH INFORMÁCIÍ A VYHLÁSENIE ŽIADATEĽA  ÚVERU"]
[]
[]
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[null,"Cieľová suma:",null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_vyska_uveru=\"\",\" \",RK_ziadost_vyska_uveru)","v":" "}]
[null,"Druh úveru:",null,null,null,null,null,null,null,null,{"$f":"IF(spotrebitelsky_ucel,\"úver v zmysle Zákona č. 129/2010\",\"úver v zmysle Zákona č. 90/2016\")","v":"úver v zmysle Zákona č. 90/2016"}]
[null,"Žiadateľ o úver:",null,null,null,null,null,null,null,null,{"$f":"TRIM(IF(RK_ziadatel_titul_pred=\"\",\"\",RK_ziadatel_titul_pred)&\" \"&IF(RK_ziadatel_meno=\"\",\"\",RK_ziadatel_meno)&\" \"&IF(RK_ziadatel_priezvisko=\"\",\"\",RK_ziadatel_priezvisko)&IF(RK_ziadatel_titul_za=\"\",\"\",\", \"&RK_ziadatel_titul_za))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rodné číslo:",null,null,null,{"$f":"IF(RK_ziadatel_rc=\"\",\" \",RK_ziadatel_rc)","v":" "}]
[null,"V zmysle § 91 ods. (1) Zákona o bankách súhlasím s poskytovaním a sprístupňovaním údajov o bankových obchodoch uzatvorených s ČSOB SP (vrátane údajov získaných ČSOB SP pri rokovaní o ich uzatvorení), ich zabezpečení, platobnej disciplíne z hľadiska splácania záväzkov, na účely posúdenia mojej schopnosti splácať úver v rozsahu a za podmienok uvedených v § 92a  Zákona o bankách:\n-    prevádzkovateľovi Spoločného registra bankových informácií, ktorým je  spoločnosť Slovak Banking Credit Bureau, s.r.o., IČO: 35 869 810, so sídlom Mlynské Nivy 14, 821 09 Bratislava– Staré Mesto (ďalej „SRBI“),  \n-    subjektom povereným spracúvaním údajov v SRBI,\n-    bankám a pobočkám zahraničných bánk,\n-    prostredníctvom Non-Banking  Credit  Bureau,  záujmové združenie právnických osôb, IČO: 42 053 404, so sídlom Mlynské nivy 14, 821 09 Bratislava-Staré Mesto (ďalej „NRKI“) oprávneným užívateľom NRKI,\na to na dobu 5 rokov odo dňa ich poskytnutia a v prípade uzatvorenia bankového obchodu, na dobu stanovenú v Zákone o bankách."]
[null,"Žiadateľ vyhlasuje, že všetky uvedené údaje a informácie sú pravdivé a aktuálne a že bol informovaný o svojich právach dotknutej osoby v zmysle Nariadenia EP a Rady (EÚ) 2016/679 o ochrane fyzických osôb pri spracúvaní osobných údajov a o voľnom pohybe takýchto údajov, ktorým sa zrušuje smernica 95/46/ES (všeobecné nariadenie o ochrane údajov)- GDPR, v prípade spracúvania osobných údajov v krajinách, ktoré neuplatňujú právo EÚ i podľa § 59 a nasled. zák. č. 18/2018 Z. z. ochrane osobných údajov. Viac informácií o zásadách spracúvania osobných údajov sa nachádza na www.csob.sk/pravne-informacie#memorandum-ochrany-osobnych-udajov, alebo v priestoroch pobočiek ČSOB.\n"]
[null,"Súhlasím  s vykonaním odvolania dopytu do Spoločného registra bankových informácií v prípade nepodpísania žiadosti o poskytnutie úveru."]
[]
[null,{"$f":"NOW()","v":43885.543904976854}]
[null,null,"dátum"]
[]
[]
[]
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[null,"PODPIS\nŽIADATEĽA O ÚVER: ",null,null,null,null,null,{"$f":"TRIM(IF(RK_ziadatel_titul_pred=\"\",\"\",RK_ziadatel_titul_pred)&\" \"&IF(RK_ziadatel_meno=\"\",\"\",RK_ziadatel_meno)&\" \"&IF(RK_ziadatel_priezvisko=\"\",\"\",RK_ziadatel_priezvisko)&IF(RK_ziadatel_titul_za=\"\",\"\",\", \"&RK_ziadatel_titul_za))","v":""},null,null,null,null,null,null,null,null,null,null,"PODPIS SPROSTREDKOVATEĽA, KTORÝ OVERIL TOTOŽNOSŤ A PODPIS ŽIADATEĽA O ÚVER:"]
[null,{"$f":"IF(RK_ziadost_spracovanie=\"kompletné spracovanie\",CONCATENATE(\"Finančný agent: \",IF(RK_FA_titul_pred=\"\",\"\",\", \"&RK_FA_titul_pred),RK_FA_meno,\" \",RK_FA_priezvisko,IF(RK_FA_titul_za=\"\",\"\",\", \"&RK_FA_titul_za),\", číslo: \",RK_FA_provcis,\", tel.: \",RK_FA_tel),CONCATENATE(\"Finančný agent: \",IF(KP_titul_pred=\"\",\"\",\", \"&KP_titul_pred),KP_meno,\" \",KP_priezvisko,IF(KP_titul_za=\"\",\"\",\", \"&KP_titul_za),\", číslo: \",KP_provcis,\", tel.: \",KP_tel))","v":"Finančný agent:  , číslo: , tel.: "}]
[null,"ČSOB stavebná sporiteľňa, a.s.\nBratislava 1, PSČ 811 02, Žižkova 11; IČO: 35 799 200; DIČ: 2021544030; IČ pre DPH: SK7020000218 \nzapísaná v Obchodnom registri Okresného súdu Bratislava I. v odd. Sa, vložka č. 2590/B\ninfolinka: 0800 111 303,  fax:  02 5966 7920; www.csob.sk; csobsp@csobsp.sk",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"XML:",null,null,null,{"$f":"generovanie","v":"2020-02-24T13:03:14.600"}]
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[null,"NÁVRH NA UZATVORENIE ZMLUVY O STAVEBNOM SPORENÍ A ŽIADOSŤ O REKO ÚVER",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true,{"$f":"COUNTA(AV:AV)","v":391}]
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[null,"\"Navrhujem uzavrieť s ČSOB stavebnou sporiteľňou, a.s. zmluvu o stavebnom sporení podľa zákona č. 310/1992 Zb. o stavebnom sporení v platnom znení (ďalej len \"zmluva\").",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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[null,null,"Číslo zmluvy stavebného sporenia:",null,null,null,null,null,null,null,{"$f":"IF(RK_cislo_zmluvy=\"\",\"\",RK_cislo_zmluvy)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!K34","v":"úver v zmysle Zákona č. 90/2016"},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(popis_RK_ziadost_datum=\"\",\"\",popis_RK_ziadost_datum)","v":"Dátum žiadosti: "},null,null,null,null,{"$f":"IF(RK_ziadost_datum=\"\",\"\",RK_ziadost_datum)","v":43885.543904166669},null,null,null,null,null,true]
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[null,null,{"$f":"REKO_uver!C39","v":"Meno"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_meno=\"\",\"\",RK_ziadatel_meno)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M39","v":"Max. výška úveru/cieľová suma do"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_vyska_uveru=\"\",\"\",RK_ziadost_vyska_uveru)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C40","v":"Priezvisko"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_priezvisko=\"\",\"\",RK_ziadatel_priezvisko)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Min. výška úveru akcept. klientom",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_vyska_uveru_akceptovana=\"\",\"\",RK_ziadost_vyska_uveru_akceptovana)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C41","v":"Titul(y) pred"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_titul_pred=\"\",\"\",RK_ziadatel_titul_pred)","v":""},null,null,null,null,"za",null,{"$f":"IF(RK_ziadatel_titul_za=\"\",\"\",RK_ziadatel_titul_za)","v":""},null,null,null,null,null,{"$f":"REKO_uver!M41","v":"Typ sporenia"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_ts=\"\",\"\",RK_ziadost_ts)","v":"REKO úver"},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C42","v":"Rodné číslo"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_rc=\"\",\"\",RK_ziadatel_rc)","v":""},null,null,null,null,"vek",null,{"$f":"IF(RK_ziadatel_vek=\"\",\"\",RK_ziadatel_vek)","v":""},null,null,null,null,null,"Doba splatnosti úveru v rokoch",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_splatnost=\"\",\"\",RK_ziadost_splatnost)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C43","v":"Číslo dokladu totožnosti"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_doklad_cislo=\"\",\"\",RK_ziadatel_doklad_cislo)","v":""},null,null,null,null,"druh",null,{"$f":"IF(RK_ziadatel_doklad_druh=\"\",\"\",RK_ziadatel_doklad_druh)","v":""},null,null,null,null,null,{"$f":"REKO_uver!M43","v":"Poistenie úveru"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_poistenie=\"\",\"\",RK_ziadost_poistenie)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Nárok na štátnu prémiu",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_sp=\"\",\"\",RK_ziadost_sp)","v":"nie"},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Zostatok exist. úverov v ČSOB St. SP",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_uverova_angazovanost=\"\",\"\",RK_ziadost_uverova_angazovanost)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
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[null,null,{"$f":"REKO_uver!C58","v":"Ďaľšie údaje žiadateľa"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C60","v":"Rodinný stav"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_rodinny_stav=\"\",\"\",RK_ziadatel_rodinny_stav)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M60","v":"Štátna príslušnosť"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_obcianstvo=\"\",\"\",RK_ziadatel_obcianstvo)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C61","v":"Vzdelanie"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_vzdelanie=\"\",\"\",RK_ziadatel_vzdelanie)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M61","v":"Spôsob bývania"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_sposob_byvania=\"\",\"\",RK_ziadatel_sposob_byvania)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C62","v":"Adresa trvalého pobytu"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M62","v":"Počet členov v domácnosti"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_pocet_clenov_doma=\"\",\"\",RK_ziadatel_pocet_clenov_doma)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C63","v":"Ulica, číslo"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_ulica=\"\",\"\",RK_ziadatel_ulica)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M63","v":"Z toho nezaopatrené deti"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_deti=\"\",\"\",RK_ziadatel_deti)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C64","v":"Mesto"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_mesto=\"\",\"\",RK_ziadatel_mesto)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M64","v":"Podnikateľská činnosť / SZČO"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_podnikanie=\"\",\"\",RK_ziadatel_podnikanie)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C65","v":"PSČ"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_PSC=\"\",\"\",RK_ziadatel_PSC)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M71","v":"Pracovný pomer od dátumu"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_prac_pomer_od=\"\",\"\",RK_ziadatel_prac_pomer_od)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C66","v":"Štát"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_stat=\"\",\"\",RK_ziadatel_stat)","v":"SR"},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M72","v":"Druh pracovného pomeru"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_prac_pomer=\"\",\"\",RK_ziadatel_prac_pomer)","v":""},null,null,null,null,"do",{"$f":"IF(RK_ziadatel_prac_pomer_do=\"\",\"\",RK_ziadatel_prac_pomer_do)","v":""},null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C67","v":"Kraj"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_kraj=\"\",\"\",RK_ziadatel_kraj)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M66","v":"Podnikateľská činnosť  od dátumu"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_podnikanie_od=\"\",\"\",RK_ziadatel_podnikanie_od)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C68","v":"Okres"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_okres=\"\",\"\",RK_ziadatel_okres)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M67","v":"Druh podnikateľskej činnosti"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_podnikanie_druh=\"\",\"\",RK_ziadatel_podnikanie_druh)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C69","v":"Tel. kontakt"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_tel=\"\",\"\",RK_ziadatel_tel)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M68","v":"IČO (resp. DIČ)"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_ICO=\"\",\"\",RK_ziadatel_ICO)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"E-mail1)",null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_mail=\"\",\"\",RK_ziadatel_mail)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"Štát daňovej rezidencie2)",null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_stat_dan_rez=\"\",\"\",RK_ziadatel_stat_dan_rez)","v":"SR"},null,null,null,null,null,null,null,null,null,null,null,null,"Politicky exponovaná osoba4)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_PEO=\"\",\"\",RK_ziadatel_PEO)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Osoba s osob. vzťahom k banke5)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_OsOVkB=\"\",\"\",RK_ziadatel_OsOVkB)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C74","v":"Počet účastníkov úverového vzťahu"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_pocet_ucastnikov=\"\",\"\",RK_ziadost_pocet_ucastnikov)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"Dôvodom nesúladu medzi štátom trvalého bydliska a štátom daňovej rezidencie je3)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_nesulad_dan_rez=\"\",\"\",RK_ziadatel_nesulad_dan_rez)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($K$43=\"\",FALSE,TRUE)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C176","v":"Korešpondenčná adresa žiadateľa"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C177","v":"Ulica, číslo"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_kor_adr_ulica=\"\",\"\",RK_ziadatel_kor_adr_ulica)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M177","v":"PSČ"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_kor_adr_PSC=\"\",\"\",RK_ziadatel_kor_adr_PSC)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C178","v":"Mesto"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_kor_adr_mesto=\"\",\"\",RK_ziadatel_kor_adr_mesto)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M178","v":"Štát"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_kor_adr_stat=\"\",\"\",RK_ziadatel_kor_adr_stat)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C162","v":"Ostatné údaje žiadateľa"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C164","v":"Názov zamestnávateľa"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_zamestnavatel=\"\",\"\",RK_ziadatel_zamestnavatel)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M164","v":"Pracovná pozícia / funkcia"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_prac_pozicia=\"\",\"\",RK_ziadatel_prac_pozicia)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C165","v":"IČO"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_zamestnavatel_ICO=\"\",\"\",RK_ziadatel_zamestnavatel_ICO)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M166","v":"Typ zamestnania"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_zamestnanie_typ=\"\",\"\",RK_ziadatel_zamestnanie_typ)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C166","v":"Adresa zamestnávateľa"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M167","v":"Pracovná oblasť"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_pracovna_oblast=\"\",\"\",RK_ziadatel_pracovna_oblast)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C167","v":"Ulica, číslo"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_zamestnavatel_ulica=\"\",\"\",RK_ziadatel_zamestnavatel_ulica)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M168","v":"Typ pracovnej činnosti"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_pracovna_cinnost=\"\",\"\",RK_ziadatel_pracovna_cinnost)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C168","v":"Mesto"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_zamestnavatel_mesto=\"\",\"\",RK_ziadatel_zamestnavatel_mesto)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M169","v":"Forma vyplácania"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_forma_vyplacania=\"\",\"\",RK_ziadatel_forma_vyplacania)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C169","v":"PSČ"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_zamestnavatel_PSC=\"\",\"\",RK_ziadatel_zamestnavatel_PSC)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M170","v":"Zamestnávateľ je rodinný príslušník"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_zamestnavatel_rodina=\"\",\"\",RK_ziadatel_zamestnavatel_rodina)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C170","v":"Štát"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_zamestnavatel_stat=\"\",\"\",RK_ziadatel_zamestnavatel_stat)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C172","v":"Počet objektov úveru"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_pocet_OU=\"\",\"\",RK_ziadost_pocet_OU)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"p_spoluziadatel","v":false}]
[null,null,{"$f":"REKO_uver!C118","v":"Spolužiadateľ 1"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C120","v":"Meno"},null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_meno=\"\",\"\",RK_spoluziadatel_meno)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C127","v":"Podnikateľská činnosť / SZČO"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_podnikanie=\"\",\"\",RK_spoluziadatel_podnikanie)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C121","v":"Priezvisko"},null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_priezvisko=\"\",\"\",RK_spoluziadatel_priezvisko)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C128","v":"Pracovný pomer od dátumu"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_prac_pomer_od=\"\",\"\",RK_spoluziadatel_prac_pomer_od)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C122","v":"Titul(y) pred"},null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_titul_pred=\"\",\"\",RK_spoluziadatel_titul_pred)","v":""},null,null,null,null,"za",null,{"$f":"IF(RK_spoluziadatel_titul_za=\"\",\"\",RK_spoluziadatel_titul_za)","v":""},null,null,null,null,null,{"$f":"REKO_uver!C129","v":"Druh pracovného pomeru "},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_prac_pomer=\"\",\"\",RK_spoluziadatel_prac_pomer)","v":""},null,null,null,"do",{"$f":"IF(RK_spoluziadatel_prac_pomer_do=\"\",\"\",RK_spoluziadatel_prac_pomer_do)","v":""},null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C123","v":"Rodné číslo"},null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_RC=\"\",\"\",RK_spoluziadatel_RC)","v":""},null,null,null,null,"vek",null,{"$f":"IF(RK_spoluziadatel_vek=\"\",\"\",RK_spoluziadatel_vek)","v":""},null,null,null,null,null,{"$f":"REKO_uver!C130","v":"Podnikateľská činnosť  od dátumu"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_podnikanie_od=\"\",\"\",RK_spoluziadatel_podnikanie_od)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"Číslo dokladu totožnosti",null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_doklad_cislo=\"\",\"\",RK_spoluziadatel_doklad_cislo)","v":""},null,null,null,null,"druh",null,{"$f":"IF(RK_spoluziadatel_doklad_druh=\"\",\"\",RK_spoluziadatel_doklad_druh)","v":""},null,null,null,null,null,{"$f":"REKO_uver!C131","v":"Druh podnikateľskej činnosti"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_podnikanie_druh=\"\",\"\",RK_spoluziadatel_podnikanie_druh)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C125","v":"Rodinný stav"},null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_rodinny_stav=\"\",\"\",RK_spoluziadatel_rodinny_stav)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C132","v":"IČO (resp. DIČ)"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_ICO=\"\",\"\",RK_spoluziadatel_ICO)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C126","v":"Vzdelanie"},null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_vzdelanie=\"\",\"\",RK_spoluziadatel_vzdelanie)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!M125","v":"Tel. kontakt"},null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_tel=\"\",\"\",RK_spoluziadatel_tel)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Politicky exponovaná osoba4)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_PEO=\"\",\"\",RK_spoluziadatel_PEO)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"E-mail1)",null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_mail=\"\",\"\",RK_spoluziadatel_mail)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Osoba s osob. vzťahom k banke5)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_OsOVkB=\"\",\"\",RK_spoluziadatel_OsOVkB)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!M120","v":"Adresa trvalého pobytu"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!M121","v":"Ulica, číslo"},null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_ulica=\"\",\"\",RK_spoluziadatel_ulica)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M123","v":"PSČ"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_PSC=\"\",\"\",RK_spoluziadatel_PSC)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!M122","v":"Mesto"},null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_mesto=\"\",\"\",RK_spoluziadatel_mesto)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M124","v":"Štát"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_stat=\"\",\"\",RK_spoluziadatel_stat)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($K$78=\"\",FALSE,TRUE)","v":false}]
[null,null,{"$f":"REKO_uver!C196","v":"Korešpondenčná adresa spolužiadateľa 1"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C197","v":"Ulica, číslo"},null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_kor_adr_ulica=\"\",\"\",RK_spoluziadatel_kor_adr_ulica)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M197","v":"PSČ"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_kor_adr_PSC=\"\",\"\",RK_spoluziadatel_kor_adr_PSC)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"p_spoluziadatel","v":false}]
[null,null,{"$f":"REKO_uver!C182","v":"Ostatné údaje spolužiadateľa 1"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C184","v":"Názov zamestnávateľa"},null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_zamestnavatel=\"\",\"\",RK_spoluziadatel_zamestnavatel)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Typ zamestnania",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_zamestnanie_typ=\"\",\"\",RK_spoluziadatel_zamestnanie_typ)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C185","v":"IČO"},null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_zamestnavatel_ICO=\"\",\"\",RK_spoluziadatel_zamestnavatel_ICO)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M185","v":"Pracovná pozícia / funkcia"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_prac_pozicia=\"\",\"\",RK_spoluziadatel_prac_pozicia)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C186","v":"Forma vyplácania"},null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_forma_vyplacania=\"\",\"\",RK_spoluziadatel_forma_vyplacania)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M186","v":"Zamestnávateľ je rodinný príslušník"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_zamestnavatel_rodina=\"\",\"\",RK_spoluziadatel_zamestnavatel_rodina)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M187","v":"Štátna a verejná služba"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_statna_sluzba=\"\",\"\",RK_spoluziadatel_statna_sluzba)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C188","v":"Adresa zamestnávateľa"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C189","v":"Ulica, číslo"},null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_zamestnavatel_ulica=\"\",\"\",RK_spoluziadatel_zamestnavatel_ulica)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C191","v":"PSČ"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_zamestnavatel_PSC=\"\",\"\",RK_spoluziadatel_zamestnavatel_PSC)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C190","v":"Mesto"},null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_zamestnavatel_mesto=\"\",\"\",RK_spoluziadatel_zamestnavatel_mesto)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C192","v":"Štát"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_zamestnavatel_stat=\"\",\"\",RK_spoluziadatel_zamestnavatel_stat)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"Čisté mesačné príjmy žiadateľa",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"z podnikania",null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_prijem_podn=\"\",\"\",RK_ziadatel_prijem_podn)","v":""},null,null,null,null,{"$f":"IF(RK_ziadatel_prijem_podn_typ=\"\",\"\",RK_ziadatel_prijem_podn_typ)","v":""},null,null,null,null,null,null,null,{"$f":"REKO_uver!M138","v":"Dôchodky"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_prijem_dochodok=\"\",\"\",RK_ziadatel_prijem_dochodok)","v":""},null,null,null,null,{"$f":"IF(RK_ziadatel_prijem_dochodok_typ=\"\",\"\",RK_ziadatel_prijem_dochodok_typ)","v":""},null,null,null,null,null,null,true]
[null,null,"zo závislej činnosti",null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_prijem_ZC=\"\",\"\",RK_ziadatel_prijem_ZC)","v":""},null,null,null,null,{"$f":"IF(RK_ziadatel_prijem_ZC_typ=\"\",\"\",RK_ziadatel_prijem_ZC_typ)","v":""},null,null,null,null,null,null,null,{"$f":"REKO_uver!M139","v":"Materská, rodič. príspevok, prídavok"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_prijem_prispevky=\"\",\"\",RK_ziadatel_prijem_prispevky)","v":""},null,null,null,null,{"$f":"IF(RK_ziadatel_prijem_prispevky_typ=\"\",\"\",RK_ziadatel_prijem_prispevky_typ)","v":""},null,null,null,null,null,null,true]
[null,null,"Príjem v zahr. v mene",null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_prijem_zahr_mena<>0,RK_ziadatel_prijem_zahr_mena,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C138","v":"Diéty"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_prijem_diety=\"\",\"\",RK_ziadatel_prijem_diety)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C140","v":"Príjmy spolu"},null,null,null,null,null,null,null,{"$f":"prijmy_ziadatel_spolu","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M140","v":"Iné príjmy"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_prijem_ine=\"\",\"\",RK_ziadatel_prijem_ine)","v":""},null,null,null,null,{"$f":"IF(RK_ziadatel_prijem_ine_typ=\"\",\"\",RK_ziadatel_prijem_ine_typ)","v":""},null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"Čisté mesačné príjmy spolužiadateľa 1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"p_spoluziadatel","v":false}]
[null,null,{"$f":"REKO_uver!C144","v":"z podnikania"},null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_prijem_podn=\"\",\"\",RK_spoluziadatel_prijem_podn)","v":""},null,null,null,null,{"$f":"IF(RK_spoluziadatel_prijem_podn_typ=\"\",\"\",RK_spoluziadatel_prijem_podn_typ)","v":""},null,null,null,null,null,null,null,{"$f":"REKO_uver!M144","v":"Dôchodky"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_prijem_dochodok=\"\",\"\",RK_spoluziadatel_prijem_dochodok)","v":""},null,null,null,null,{"$f":"IF(RK_spoluziadatel_prijem_dochodok_typ=\"\",\"\",RK_spoluziadatel_prijem_dochodok_typ)","v":""},null,null,null,null,null,null,{"$f":"p_spoluziadatel","v":false}]
[null,null,{"$f":"REKO_uver!C145","v":"zo závislej činnosti"},null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_prijem_ZC=\"\",\"\",RK_spoluziadatel_prijem_ZC)","v":""},null,null,null,null,{"$f":"IF(RK_spoluziadatel_prijem_ZC_typ=\"\",\"\",RK_spoluziadatel_prijem_ZC_typ)","v":""},null,null,null,null,null,null,null,{"$f":"REKO_uver!M145","v":"Materská, rodič. príspevok, prídavok"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_prijem_prispevky=\"\",\"\",RK_spoluziadatel_prijem_prispevky)","v":""},null,null,null,null,{"$f":"IF(RK_spoluziadatel_prijem_prispevky_typ=\"\",\"\",RK_spoluziadatel_prijem_prispevky_typ)","v":""},null,null,null,null,null,null,{"$f":"p_spoluziadatel","v":false}]
[null,null,"Príjem v zahr. v mene",null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_prijem_zahr_mena<>0,RK_spoluziadatel_prijem_zahr_mena,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C147","v":"Diéty"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_prijem_diety=\"\",\"\",RK_spoluziadatel_prijem_diety)","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"p_spoluziadatel","v":false}]
[null,null,{"$f":"REKO_uver!C148","v":"Príjmy spolu"},null,null,null,null,null,null,null,{"$f":"prijmy_spoludlznik_spolu","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M146","v":"Iné príjmy"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spoluziadatel_prijem_ine=\"\",\"\",RK_spoluziadatel_prijem_ine)","v":""},null,null,null,null,{"$f":"IF(RK_spoluziadatel_prijem_ine_typ=\"\",\"\",RK_spoluziadatel_prijem_ine_typ)","v":""},null,null,null,null,null,null,{"$f":"p_spoluziadatel","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C150","v":"Výdavky domácnosti"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M150","v":"Splátky existujúcich úverov, iné platby"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Typ výdavku",null,null,null,null,null,null,null,null,null,"Splátka/ Úver. Limit",null,null,null,null,"Zostatok/ Využitie",null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C152","v":"Výživné"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_vyzivne=\"\",\"\",RK_ziadatel_vyzivne)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_splatka1_druh=\"\",\"\",RK_ziadatel_splatka1_druh)","v":""},null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_splatka1_pom=\"\",\"\",RK_ziadatel_splatka1_pom)","v":""},null,null,null,null,{"$f":"IF(RK_ziadatel_splatka1_zostatok=\"\",\"\",RK_ziadatel_splatka1_zostatok)","v":""},null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C153","v":"Výdavky spolu"},null,null,null,null,null,null,null,{"$f":"penazne_zavazky_ziadatel+min_vydavky_ziadatel+RK_ziadatel_vyzivne","v":210.2},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_splatka2_druh=\"\",\"\",RK_ziadatel_splatka2_druh)","v":""},null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadatel_splatka2_pom=\"\",\"\",RK_ziadatel_splatka2_pom)","v":""},null,null,null,null,{"$f":"IF(RK_ziadatel_splatka2_zostatok=\"\",\"\",RK_ziadatel_splatka2_zostatok)","v":""},null,null,null,null,null,null,null,null,true]
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[null,null,{"$f":"REKO_uver!C83","v":"Dátum platnosti zmluvy"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_povodna_platnost=\"\",\"\",RK_ziadost_povodna_platnost)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M83","v":"Nasporená suma"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_povodna_NS=\"\",\"\",RK_ziadost_povodna_NS)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C84","v":"Cieľová suma"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_povodna_CS=\"\",\"\",RK_ziadost_povodna_CS)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M84","v":"Hodnotiace číslo"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_povodna_HC=\"\",\"\",RK_ziadost_povodna_HC)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C85","v":"Typ sporenia"},null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_povodna_ts=\"\",\"\",RK_ziadost_povodna_ts)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M85","v":"Príznak nároku na štátnu prémiu"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_povodna_SP=\"\",\"\",RK_ziadost_povodna_SP)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
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[null,null,{"$f":"REKO_uver!M81","v":"Predschválený limit na úver v ČSOB"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_predschvaleny=\"\",\"\",RK_ziadost_predschvaleny)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"Forma zasielania výpisu z účtu 6)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_vypis=\"\",\"\",RK_ziadost_vypis)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C90","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_sposob_uhrady_popl=\"\",\"\",RK_ziadost_sposob_uhrady_popl)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"C126<>\"\"","v":false}]
[null,null,{"$f":"REKO_uver!C91","v":"Spôsob splácania úveru"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_sposob_splacania=\"\",\"\",RK_ziadost_sposob_splacania)","v":"bankový prevod"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C92","v":"Spôsob čerpania úveru"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_sposob_cerpania=\"\",\"\",RK_ziadost_sposob_cerpania)","v":"ihneď po splnení odkladacích podmienok, preddavkovo"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C94","v":"Refinancovanie úverov"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_refinanc_SS=\"\",\"\",RK_ziadost_refinanc_SS)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!M87","v":"Nárok na zľavu z úrokovej sadzby pri MU"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_zlava_1_typ=\"\",\"\",RK_ziadost_zlava_1_typ)","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_zlava_1=\"\",\"\",RK_ziadost_zlava_1)","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
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[null,null,{"$f":"REKO_uver!C45","v":"Účel postkytnutia úveru"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C46","v":"Nadobudnutie vlastníctva:"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV138","v":false}]
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[null,null,{"$f":"REKO_uver!C48","v":"Modernizácia:"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV140","v":false}]
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[null,null,{"$f":"REKO_uver!C50","v":"Iné účely:"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV142","v":false}]
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[null,null,{"$f":"REKO_uver!C52","v":"Účel využitia financovanej nehnuteľnosti"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_ucel_pouzitia_financii=\"\",\"\",RK_ziadost_ucel_pouzitia_financii)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C98","v":"Parametre úveru"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C100","v":"Celková doba splatnosti"},null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_splatnost=\"\",\"\",RK_ziadost_splatnost)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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[null,null,"Medziúver (MÚ)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Stavebný úver (SÚ)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"Splátka MÚ celkom",null,null,null,null,null,null,null,null,{"$f":"REKO_uver!H104","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,"Splátka SÚ celkom",null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!R104","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C106","v":"Vklad na stavebné sporenie"},null,null,null,null,null,null,null,null,{"$f":"REKO_uver!H106","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C107","v":"Splátka úrokov z MÚ"},null,null,null,null,null,null,null,null,{"$f":"RK_MU_splatka_uroky","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M106","v":"Splátka SÚ"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!R106","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C108","v":"Poistné MÚ"},null,null,null,null,null,null,null,null,{"$f":"RK_poistne_MU","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M107","v":"Poistné SÚ"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"RK_poistne_SU","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"Úrok. sadzba MÚ (p.a.)-fix 3 r.",null,null,null,null,null,null,null,null,{"$f":"RK_sadzba_final","v":5.5E-2},null,null,null,null,null,null,null,null,null,null,null,"Úrok. sadzba SÚ (p.a.)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"RK_sadzba_SU","v":0.05},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C110","v":"RPMN MU"},null,null,null,null,null,null,null,null,{"$f":"REKO_uver!H110","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M109","v":"RPMN SU"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!R109","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C111","v":"Doba MÚ v mesiacoch"},null,null,null,null,null,null,null,null,{"$f":"RK_splatnost_MU","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M110","v":"Doba SÚ v mesiacoch"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"RK_splatnost_SU","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,true]
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[null,null,"Zaplatené celkom",null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_zaplatene_spolu=\"\",\"\",RK_ziadost_zaplatene_spolu)","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"Preplatenie",null,null,null,null,null,null,null,null,{"$f":"IF(RK_ziadost_zaplatene_spolu=\"\",\"\",RK_ziadost_zaplatene_spolu-RK_ziadost_vyska_uveru)","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"p_pristupitel","v":false}]
[null,null,{"$f":"REKO_uver!C246","v":"Spolužiadateľ 2"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C248","v":"Meno"},null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_meno=\"\",\"\",RK_pristupitel_meno)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C253","v":"Vzťah spolužiadateľa 2 k žiadateľovi"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_vztah_ziadatel=\"\",\"\",RK_pristupitel_vztah_ziadatel)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C249","v":"Priezvisko"},null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_priezvisko=\"\",\"\",RK_pristupitel_priezvisko)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C250","v":"Titul(y) pred"},null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_titul_pred=\"\",\"\",RK_pristupitel_titul_pred)","v":""},null,null,null,null,"za",null,{"$f":"IF(RK_pristupitel_titul_za=\"\",\"\",RK_pristupitel_titul_za)","v":""},null,null,null,null,null,{"$f":"REKO_uver!C256","v":"Podnikateľská činnosť / SZČO"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_podnikanie=\"\",\"\",RK_pristupitel_podnikanie)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C251","v":"Rodné číslo"},null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_RC=\"\",\"\",RK_pristupitel_RC)","v":""},null,null,null,null,"vek",null,{"$f":"IF(RK_pristupitel_vek=\"\",\"\",RK_pristupitel_vek)","v":""},null,null,null,null,null,{"$f":"REKO_uver!C257","v":"Pracovný pomer od dátumu"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_prac_pomer_od=\"\",\"\",RK_pristupitel_prac_pomer_od)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"Číslo dokladu totožnosti",null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_doklad_cislo=\"\",\"\",RK_pristupitel_doklad_cislo)","v":""},null,null,null,null,"druh",null,{"$f":"IF(RK_pristupitel_doklad_druh=\"\",\"\",RK_pristupitel_doklad_druh)","v":""},null,null,null,null,null,{"$f":"REKO_uver!C258","v":"Druh pracovného pomeru "},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_prac_pomer=\"\",\"\",RK_pristupitel_prac_pomer)","v":""},null,null,null,null,"do",{"$f":"IF(RK_pristupitel_prac_pomer_do=\"\",\"\",RK_pristupitel_prac_pomer_do)","v":""},null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!M248","v":"Rodinný stav"},null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_rodinny_stav=\"\",\"\",RK_pristupitel_rodinny_stav)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Typ zamestnania",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_zamestnanie_typ=\"\",\"\",RK_pristupitel_zamestnanie_typ)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!M249","v":"Vzdelanie"},null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_vzdelanie=\"\",\"\",RK_pristupitel_vzdelanie)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Pracovná pozícia / funkcia",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_prac_pozicia=\"\",\"\",RK_pristupitel_prac_pozicia)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!M250","v":"Adresa trvalého pobytu"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C261","v":"Podnikateľská činnosť  od dátumu"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_podnikanie_od=\"\",\"\",RK_pristupitel_podnikanie_od)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!M251","v":"Ulica, číslo"},null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_ulica=\"\",\"\",RK_pristupitel_ulica)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C262","v":"Druh podnikateľskej činnosti"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_podnikanie_druh=\"\",\"\",RK_pristupitel_podnikanie_druh)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!M252","v":"Mesto"},null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_mesto=\"\",\"\",RK_pristupitel_mesto)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C263","v":"IČO (resp. DIČ)"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_ICO=\"\",\"\",RK_pristupitel_ICO)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!M253","v":"PSČ"},null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_PSC=\"\",\"\",RK_pristupitel_PSC)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C264","v":"Forma vyplácania"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_forma_vyplacania=\"\",\"\",RK_pristupitel_forma_vyplacania)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!M254","v":"Štát"},null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_stat=\"\",\"\",RK_pristupitel_stat)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M258","v":"Názov zamestnávateľa"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_zamestnavatel=\"\",\"\",RK_pristupitel_zamestnavatel)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!M255","v":"Tel. kontakt"},null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_tel=\"\",\"\",RK_pristupitel_tel)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M259","v":"IČO"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_zamestnavatel_ICO=\"\",\"\",RK_pristupitel_zamestnavatel_ICO)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"E-mail1)",null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_mail=\"\",\"\",RK_pristupitel_mail)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M260","v":"Zamestnávateľ je rodinný príslušník"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_zamestnavatel_rodina=\"\",\"\",RK_pristupitel_zamestnavatel_rodina)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M261","v":"Štátna a verejná služba"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_statna_sluzba=\"\",\"\",RK_pristupitel_statna_sluzba)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"Politicky exponov. osoba4)",null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_PEO=\"\",\"\",RK_pristupitel_PEO)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M262","v":"Adresa zamestnávateľa"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"Osoba s osob. vzťahom k banke5)",null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_OsOVkB=\"\",\"\",RK_pristupitel_OsOVkB)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M263","v":"Ulica, číslo"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_zamestnavatel_ulica=\"\",\"\",RK_pristupitel_zamestnavatel_ulica)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M264","v":"Mesto"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_zamestnavatel_mesto=\"\",\"\",RK_pristupitel_zamestnavatel_mesto)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C254","v":"Počet členov v domácnosti"},null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_pocet_clenov_doma=\"\",\"\",RK_pristupitel_pocet_clenov_doma)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M265","v":"PSČ"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_zamestnavatel_PSC=\"\",\"\",RK_pristupitel_zamestnavatel_PSC)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C255","v":"Z toho nezaopatrené deti"},null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_deti=\"\",\"\",RK_pristupitel_deti)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M266","v":"Štát"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_zamestnavatel_stat=\"\",\"\",RK_pristupitel_zamestnavatel_stat)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($K$192<>\"\",TRUE,FALSE)","v":false}]
[null,null,{"$f":"REKO_uver!C270","v":"Korešpondenčná adresa spolužiadateľa 2"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C271","v":"Ulica, číslo"},null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_kor_adr_ulica=\"\",\"\",RK_pristupitel_kor_adr_ulica)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M271","v":"PSČ"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_kor_adr_PSC=\"\",\"\",RK_pristupitel_kor_adr_PSC)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C272","v":"Mesto"},null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_kor_adr_mesto=\"\",\"\",RK_pristupitel_kor_adr_mesto)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M272","v":"Štát"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_kor_adr_stat=\"\",\"\",RK_pristupitel_kor_adr_stat)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"p_spolupristupitel","v":false}]
[null,null,{"$f":"REKO_uver!C276","v":"Spolužiadateľ 3"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C278","v":"Meno"},null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_meno=\"\",\"\",RK_spolupristupitel_meno)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C285","v":"Podnikateľská činnosť / SZČO"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_podnikanie=\"\",\"\",RK_spolupristupitel_podnikanie)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C279","v":"Priezvisko"},null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_priezvisko=\"\",\"\",RK_spolupristupitel_priezvisko)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C286","v":"Pracovný pomer od dátumu"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_prac_pomer_od=\"\",\"\",RK_spolupristupitel_prac_pomer_od)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C280","v":"Titul(y) pred"},null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_titul_pred=\"\",\"\",RK_spolupristupitel_titul_pred)","v":""},null,null,null,null,{"$f":"REKO_uver!I280","v":"za"},null,{"$f":"IF(RK_spolupristupitel_titul_za=\"\",\"\",RK_spolupristupitel_titul_za)","v":""},null,null,null,null,null,"Druh pracovného pomeru ",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_prac_pomer=\"\",\"\",RK_spolupristupitel_prac_pomer)","v":""},null,null,null,null,{"$f":"REKO_uver!I287","v":"do"},{"$f":"IF(RK_spolupristupitel_prac_pomer_do=\"\",\"\",RK_spolupristupitel_prac_pomer_do)","v":""},null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C281","v":"Rodné číslo"},null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_RC=\"\",\"\",RK_spolupristupitel_RC)","v":""},null,null,null,null,"vek",null,{"$f":"IF(RK_spolupristupitel_vek=\"\",\"\",RK_spolupristupitel_vek)","v":""},null,null,null,null,null,"Typ zamestnania",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_zamestnanie_typ=\"\",\"\",RK_spolupristupitel_zamestnanie_typ)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"Číslo dokladu totožnosti",null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_doklad_cislo=\"\",\"\",RK_spolupristupitel_doklad_cislo)","v":""},null,null,null,null,"druh",null,{"$f":"IF(RK_spolupristupitel_doklad_druh=\"\",\"\",RK_spolupristupitel_doklad_druh)","v":""},null,null,null,null,null,"Pracovná pozícia / funkcia",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_prac_pozicia=\"\",\"\",RK_spolupristupitel_prac_pozicia)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C283","v":"Rodinný stav"},null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_rodinny_stav=\"\",\"\",RK_spolupristupitel_rodinny_stav)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C290","v":"Podnikateľská činnosť od dátumu"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_podnikanie_od=\"\",\"\",RK_spolupristupitel_podnikanie_od)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C284","v":"Vzdelanie"},null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_vzdelanie=\"\",\"\",RK_spolupristupitel_vzdelanie)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C291","v":"Druh podnikateľskej činnosti"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_podnikanie_druh=\"\",\"\",RK_spolupristupitel_podnikanie_druh)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!M278","v":"Adresa trvalého pobytu"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C292","v":"IČO (resp. DIČ)"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_ICO=\"\",\"\",RK_spolupristupitel_ICO)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!M279","v":"Ulica, číslo"},null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_ulica=\"\",\"\",RK_spolupristupitel_ulica)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C293","v":"Forma vyplácania"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_forma_vyplacania=\"\",\"\",RK_spolupristupitel_forma_vyplacania)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
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[null,null,{"$f":"REKO_uver!M283","v":"Tel. kontakt"},null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_tel=\"\",\"\",RK_spolupristupitel_tel)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M289","v":"Štátna a verejná služba"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_statna_sluzba=\"\",\"\",RK_spolupristupitel_statna_sluzba)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"E-mail1)",null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_mail=\"\",\"\",RK_spolupristupitel_mail)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M291","v":"Adresa zamestnávateľa"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
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[null,null,"Politicky expon. osoba4)",null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_PEO=\"\",\"\",RK_spolupristupitel_PEO)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M293","v":"Mesto"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_zamestnavatel_mesto=\"\",\"\",RK_spolupristupitel_zamestnavatel_mesto)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"Osoba s osob. vzťahom k banke5)",null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_OsOVkB=\"\",\"\",RK_spolupristupitel_OsOVkB)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M294","v":"PSČ"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_zamestnavatel_PSC=\"\",\"\",RK_spolupristupitel_zamestnavatel_PSC)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
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[null,null,{"$f":"REKO_uver!C305","v":"Čistý mesačný príjem spolužiadateľa 2"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
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[null,null,"Príjem v zahr. v mene",null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_prijem_zahr_mena=\"\",\"\",RK_pristupitel_prijem_zahr_mena)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C318","v":"Diéty"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_prijem_diety=\"\",\"\",RK_pristupitel_prijem_diety)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C311","v":"Príjmy spolu"},null,null,null,null,null,null,null,{"$f":"IF(prijmy_pristupitel_spolu=\"\",\"\",prijmy_pristupitel_spolu)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M309","v":"Iné príjmy"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_prijem_ine=\"\",\"\",RK_pristupitel_prijem_ine)","v":""},null,null,null,null,{"$f":"IF(RK_pristupitel_prijem_ine_typ=\"\",\"\",RK_pristupitel_prijem_ine_typ)","v":""},null,null,null,null,null,null,false]
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[null,null,"Príjem v zahr. v mene",null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_prijem_zahr_mena=\"\",\"\",RK_spolupristupitel_prijem_zahr_mena)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!C318","v":"Diéty"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_prijem_diety=\"\",\"\",RK_spolupristupitel_prijem_diety)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C319","v":"Priznané príjmy spolu"},null,null,null,null,null,null,null,{"$f":"IF(prijmy_manz_pristupitela_spolu=\"\",\"\",prijmy_manz_pristupitela_spolu)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M317","v":"Iné príjmy"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_spolupristupitel_prijem_ine=\"\",\"\",RK_spolupristupitel_prijem_ine)","v":""},null,null,null,null,{"$f":"IF(RK_spolupristupitel_prijem_ine_typ=\"\",\"\",RK_spolupristupitel_prijem_ine_typ)","v":""},null,null,null,null,null,null,false]
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[null,null,{"$f":"REKO_uver!C321","v":"Výdavky domácnosti"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M321","v":"Splátky existujúcich úverov, iné platby"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"p_pristupitel","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Typ výdavku",null,null,null,null,null,null,null,null,null,"Splátka/ Úver. Limit",null,null,null,null,"Zostatok/ Využitie",null,null,null,null,null,null,null,null,{"$f":"p_pristupitel","v":false}]
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[null,null,{"$f":"REKO_uver!C324","v":"Výdavky spolu"},null,null,null,null,null,null,null,{"$f":"penazne_zavazky_pristupitel+min_vydavky_pristupitel+RK_pristupitel_vyzivne","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_splatka2_druh=\"\",\"\",RK_pristupitel_splatka2_druh)","v":""},null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_pristupitel_splatka2_pom=\"\",\"\",RK_pristupitel_splatka2_pom)","v":""},null,null,null,null,{"$f":"IF(RK_pristupitel_splatka2_zostatok=\"\",\"\",RK_pristupitel_splatka2_zostatok)","v":""},null,null,null,null,null,null,null,null,{"$f":"p_pristupitel","v":false}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"p_pristupitel","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($K$248<>\"\",TRUE,FALSE)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C202","v":"Objekt úveru 1"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"Druh objektu úveru",null,null,null,null,null,null,null,{"$f":"IF(RK_OU1_druh=\"\",\"\",RK_OU1_druh)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C205","v":"List vlastníctva číslo"},null,null,null,null,null,null,null,{"$f":"IF(RK_OU1_LV=\"\",\"\",RK_OU1_LV)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M216","v":"Adresa nehnuteľnosti"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C206","v":"Katastrálne územie"},null,null,null,null,null,null,null,{"$f":"IF(RK_OU1_kataster=\"\",\"\",RK_OU1_kataster)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M217","v":"Ulica, číslo"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_OU1_ulica=\"\",\"\",RK_OU1_ulica)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C207","v":"Súpisné číslo"},null,null,null,null,null,null,null,{"$f":"IF(RK_OU1_supisne=\"\",\"\",RK_OU1_supisne)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M218","v":"Mesto / obec"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_OU1_mesto=\"\",\"\",RK_OU1_mesto)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C208","v":"Číslo bytu"},null,null,null,null,null,null,null,{"$f":"IF(RK_OU1_cislo_bytu=\"\",\"\",RK_OU1_cislo_bytu)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M219","v":"Kraj"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_OU1_kraj=\"\",\"\",RK_OU1_kraj)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C209","v":"Vchod"},null,null,null,null,null,null,null,{"$f":"IF(RK_OU1_vchod=\"\",\"\",RK_OU1_vchod)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M220","v":"Okres"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_OU1_okres=\"\",\"\",RK_OU1_okres)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($K$258<>\"\",TRUE,FALSE)","v":false}]
[null,null,{"$f":"REKO_uver!C213","v":"Objekt úveru 2"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"Druh objektu úveru",null,null,null,null,null,null,null,{"$f":"IF(RK_OU2_druh=\"\",\"\",RK_OU2_druh)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C216","v":"List vlastníctva číslo"},null,null,null,null,null,null,null,{"$f":"IF(RK_OU2_LV=\"\",\"\",RK_OU2_LV)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M216","v":"Adresa nehnuteľnosti"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C217","v":"Katastrálne územie"},null,null,null,null,null,null,null,{"$f":"IF(RK_OU2_kataster=\"\",\"\",RK_OU2_kataster)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M217","v":"Ulica, číslo"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_OU2_ulica=\"\",\"\",RK_OU2_ulica)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C218","v":"Súpisné číslo"},null,null,null,null,null,null,null,{"$f":"IF(RK_OU2_supisne=\"\",\"\",RK_OU2_supisne)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M218","v":"Mesto / obec"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_OU2_mesto=\"\",\"\",RK_OU2_mesto)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C219","v":"Číslo bytu"},null,null,null,null,null,null,null,{"$f":"IF(RK_OU2_cislo_bytu=\"\",\"\",RK_OU2_cislo_bytu)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M219","v":"Kraj"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_OU2_kraj=\"\",\"\",RK_OU2_kraj)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C220","v":"Vchod"},null,null,null,null,null,null,null,{"$f":"IF(RK_OU2_vchod=\"\",\"\",RK_OU2_vchod)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M220","v":"Okres"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_OU2_okres=\"\",\"\",RK_OU2_okres)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($K$268<>\"\",TRUE,FALSE)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C224","v":"Objekt úveru 3"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"Druh objektu úveru",null,null,null,null,null,null,null,{"$f":"IF(RK_OU3_druh=\"\",\"\",RK_OU3_druh)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C227","v":"List vlastníctva číslo"},null,null,null,null,null,null,null,{"$f":"IF(RK_OU3_LV=\"\",\"\",RK_OU3_LV)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M238","v":"Adresa nehnuteľnosti"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C228","v":"Katastrálne územie"},null,null,null,null,null,null,null,{"$f":"IF(RK_OU3_kataster=\"\",\"\",RK_OU3_kataster)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M239","v":"Ulica, číslo"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_OU3_ulica=\"\",\"\",RK_OU3_ulica)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C229","v":"Súpisné číslo"},null,null,null,null,null,null,null,{"$f":"IF(RK_OU3_supisne=\"\",\"\",RK_OU3_supisne)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M240","v":"Mesto / obec"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_OU3_mesto=\"\",\"\",RK_OU3_mesto)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C230","v":"Číslo bytu"},null,null,null,null,null,null,null,{"$f":"IF(RK_OU3_cislo_bytu=\"\",\"\",RK_OU3_cislo_bytu)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M241","v":"Kraj"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_OU3_kraj=\"\",\"\",RK_OU3_kraj)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C231","v":"Vchod"},null,null,null,null,null,null,null,{"$f":"IF(RK_OU3_vchod=\"\",\"\",RK_OU3_vchod)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M242","v":"Okres"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_OU3_okres=\"\",\"\",RK_OU3_okres)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($K$278<>\"\",TRUE,FALSE)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C235","v":"Objekt úveru 4"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"Druh objektu úveru",null,null,null,null,null,null,null,{"$f":"IF(RK_OU4_druh=\"\",\"\",RK_OU4_druh)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"List vlastníctva číslo",null,null,null,null,null,null,null,{"$f":"IF(RK_OU4_LV=\"\",\"\",RK_OU4_LV)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Adresa nehnuteľnosti",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"Katastrálne územie",null,null,null,null,null,null,null,{"$f":"IF(RK_OU4_kataster=\"\",\"\",RK_OU4_kataster)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Ulica, číslo",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_OU4_ulica=\"\",\"\",RK_OU4_ulica)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"Súpisné číslo",null,null,null,null,null,null,null,{"$f":"IF(RK_OU4_supisne=\"\",\"\",RK_OU4_supisne)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Mesto / obec",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_OU4_mesto=\"\",\"\",RK_OU4_mesto)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"Číslo bytu",null,null,null,null,null,null,null,{"$f":"IF(RK_OU4_cislo_bytu=\"\",\"\",RK_OU4_cislo_bytu)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Kraj",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_OU4_kraj=\"\",\"\",RK_OU4_kraj)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"Vchod",null,null,null,null,null,null,null,{"$f":"IF(RK_OU4_vchod=\"\",\"\",RK_OU4_vchod)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Okres",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_OU4_okres=\"\",\"\",RK_OU4_okres)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV287","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV287","v":false}]
[null,null,"Refinancované úvery",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"OR(AV288,AV296)","v":false}]
[null,null,"Inštitúcia",null,null,null,null,null,null,null,{"$f":"IF(ref_institucia_1=\"\",\"\",ref_institucia_1)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Úver určený na vlastné bývanie",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ref_uver_na_vl_byv_1=\"\",\"\",ref_uver_na_vl_byv_1)","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"K288<>\"\"","v":false}]
[null,null,"Číslo úveru",null,null,null,null,null,null,null,{"$f":"IF(ref_cislo_uveru_1=\"\",\"\",ref_cislo_uveru_1)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Úver starší ako 12 mes. v ČSOB SP",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ref_12mes_1=\"\",\"\",ref_12mes_1)","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV288","v":false}]
[null,null,"Typ sporenia",null,null,null,null,null,null,null,{"$f":"IF(ref_typ_sporenia_1=\"\",\"\",ref_typ_sporenia_1)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Výška CS",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ref_vyska_CS_1=\"\",\"\",ref_vyska_CS_1)","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV288","v":false}]
[null,null,"Typ úveru",null,null,null,null,null,null,null,{"$f":"IF(ref_typ_uveru_1=\"\",\"\",ref_typ_uveru_1)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Výška zostatku úveru (SU)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ref_vyska_uveru_1=\"\",\"\",ref_vyska_uveru_1)","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV288","v":false}]
[null,null,"Fixácia úveru",null,null,null,null,null,null,null,{"$f":"IF(ref_fixacia_uveru_1=\"\",\"\",ref_fixacia_uveru_1)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Splátka úveru",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ref_splatka_uveru_1=\"\",\"\",ref_splatka_uveru_1)","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV288","v":false}]
[null,null,"Zabezpečenie",null,null,null,null,null,null,null,{"$f":"IF(ref_zabezpecenie_1=\"\",\"\",ref_zabezpecenie_1)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Úroková sadzba",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ref_urokova_sadzba_1=\"\",\"\",ref_urokova_sadzba_1)","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV288","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Nasporená suma",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ref_NS_1=\"\",\"\",ref_NS_1)","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV288","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV296","v":false}]
[null,null,"Inštitúcia",null,null,null,null,null,null,null,{"$f":"IF(ref_institucia_2=\"\",\"\",ref_institucia_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Úver určený na vlastné bývanie",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ref_uver_na_vl_byv_2=\"\",\"\",ref_uver_na_vl_byv_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"K296<>\"\"","v":false}]
[null,null,"Číslo úveru",null,null,null,null,null,null,null,{"$f":"IF(ref_cislo_uveru_2=\"\",\"\",ref_cislo_uveru_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Úver starší ako 12 mes. v ČSOB SP",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ref_12mes_2=\"\",\"\",ref_12mes_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV296","v":false}]
[null,null,"Typ sporenia",null,null,null,null,null,null,null,{"$f":"IF(ref_typ_sporenia_2=\"\",\"\",ref_typ_sporenia_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Výška CS",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ref_vyska_CS_2=\"\",\"\",ref_vyska_CS_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV296","v":false}]
[null,null,"Typ úveru",null,null,null,null,null,null,null,{"$f":"IF(ref_typ_uveru_2=\"\",\"\",ref_typ_uveru_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Výška zostatku úveru (SU)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ref_vyska_uveru_2=\"\",\"\",ref_vyska_uveru_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV296","v":false}]
[null,null,"Fixácia úveru",null,null,null,null,null,null,null,{"$f":"IF(ref_fixacia_uveru_2=\"\",\"\",ref_fixacia_uveru_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Splátka úveru",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ref_splatka_uveru_2=\"\",\"\",ref_splatka_uveru_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV296","v":false}]
[null,null,"Zabezpečenie",null,null,null,null,null,null,null,{"$f":"IF(ref_zabezpecenie_2=\"\",\"\",ref_zabezpecenie_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Úroková sadzba",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ref_urokova_sadzba_2=\"\",\"\",ref_urokova_sadzba_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV296","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Nasporená suma",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ref_NS_2=\"\",\"\",ref_NS_2)","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV296","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV287","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"Žiadosť vystavil finančný agent :",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,{"$f":"REKO_uver!C14","v":"Údaje KP ČSOB"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"OR(RK_ziadost_spracovanie=list_EDS_spracovanie_KP,RK_ziadost_spracovanie=list_EDS_spracovanie_tiper)","v":false}]
[null,null,{"$f":"REKO_uver!C16","v":"Meno"},null,null,null,null,null,null,null,{"$f":"IF(KP_meno=\"\",\"\",KP_meno)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M17","v":"Registračné číslo agenta z NBS"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(KP_regcis_NBS=\"\",\"\",KP_regcis_NBS)","v":131420},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C17","v":"Priezvisko"},null,null,null,null,null,null,null,{"$f":"IF(KP_priezvisko=\"\",\"\",KP_priezvisko)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M18","v":"Pobočka/číslo, adresa"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(KP_pobocka=\"\",\"\",KP_pobocka)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C18","v":"Titul(y) pred"},null,null,null,null,null,null,null,{"$f":"IF(KP_titul_pred=\"\",\"\",KP_titul_pred)","v":""},null,null,null,null,"za","za",{"$f":"IF(KP_titul_za=\"\",\"\",KP_titul_za)","v":""},{"$f":"IF(KP_titul_za=\"\",\"\",KP_titul_za)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C19","v":"E-mail"},null,null,null,null,null,null,null,{"$f":"IF(KP_mail=\"\",\"\",KP_mail)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M19","v":"Provízne číslo pobočky"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(KP_provcis=\"\",\"\",KP_provcis)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C20","v":"Tel. kontakt"},null,null,null,null,null,null,null,{"$f":"IF(KP_tel=\"\",\"\",KP_tel)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M20","v":"Meno a priezvisko 2.podpisujúceho UZ"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(KP_2_podpis=\"\",\"\",KP_2_podpis)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"Osobné číslo KP ČSOB",null,null,null,null,null,null,null,{"$f":"IF(KP_osobne_cislo=\"\",\"\",KP_osobne_cislo)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C22","v":"Údaje agenta EDS"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"OR(RK_ziadost_spracovanie=list_EDS_spracovanie_komplet,RK_ziadost_spracovanie=list_EDS_spracovanie_tiper)","v":false}]
[null,null,{"$f":"REKO_uver!C24","v":"Meno"},null,null,null,null,null,null,null,{"$f":"IF(RK_FA_meno=\"\",\"\",RK_FA_meno)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M24","v":"Registračné číslo agenta z NBS"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_FA_regcis_NBS=\"\",\"\",RK_FA_regcis_NBS)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C25","v":"Priezvisko"},null,null,null,null,null,null,null,{"$f":"IF(RK_FA_priezvisko=\"\",\"\",RK_FA_priezvisko)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M25","v":"Identifikačné číslo agenta"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_FA_id_agent=\"\",\"\",RK_FA_id_agent)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C26","v":"Titul(y) pred"},null,null,null,null,null,null,null,{"$f":"IF(RK_FA_titul_pred=\"\",\"\",RK_FA_titul_pred)","v":""},null,null,null,null,"za","za",{"$f":"IF(RK_FA_titul_za=\"\",\"\",RK_FA_titul_za)","v":""},{"$f":"IF(RK_FA_titul_za=\"\",\"\",RK_FA_titul_za)","v":""},null,null,null,null,"Provízne číslo maklér. spoločnosti",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_FA_provcis=\"\",\"\",RK_FA_provcis)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C27","v":"E-mail "},null,null,null,null,null,null,null,{"$f":"IF(RK_FA_mail=\"\",\"\",RK_FA_mail)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M27","v":"Názov maklérskej spoločnosti"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_FA_nazov_spol=\"\",\"\",RK_FA_nazov_spol)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,{"$f":"REKO_uver!C28","v":"Tel. kontakt. "},null,null,null,null,null,null,null,{"$f":"IF(RK_FA_tel=\"\",\"\",RK_FA_tel)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Miesto odovzdania žiadosti",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_FA_odovzdanie=\"\",\"\",RK_FA_odovzdanie)","v":"pobočka ČSOB"},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"Adresa - ulica, číslo",null,null,null,null,null,null,null,{"$f":"IF(RK_FA_ulica=\"\",\"\",RK_FA_ulica)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Pobočka",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_FA_pobocka=\"\",\"\",RK_FA_pobocka)","v":""},null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,"Adresa - PSČ, mesto",null,null,null,null,null,null,null,{"$f":"IF(RK_FA_mesto=\"\",\"\",RK_FA_mesto)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"OR(RK_ziadost_spracovanie=list_EDS_spracovanie_komplet,RK_ziadost_spracovanie=list_EDS_spracovanie_tiper)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"REKO_uver!M31","v":"Provízne číslo pobočky"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(RK_FA_pobocka_provcis=\"\",\"\",RK_FA_pobocka_provcis)","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"OR(RK_ziadost_spracovanie=list_EDS_spracovanie_komplet,RK_ziadost_spracovanie=list_EDS_spracovanie_tiper)","v":false}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"0) V prípade, ak v priebehu jedného kalendárneho roka budú označené  viaceré zmluvy o stavebnom sporení ako prémiovo zvýhodnené a zároveň na tieto zmluvy bude vložený vklad/vklady na získanie štátnej prémie, stavebný sporiteľ stráca nárok na štátnu prémiu za tento rok zo všetkých zmlúv o stavebnom sporení uzatvorených v ktorejkoľvek stavebnej sporiteľni na území SR. Vyhlásenie o prémiovom zvýhodnení zmluvy sa môže zmeniť na zmluve o stavebnom sporení v priebehu kalendárneho roka len raz. Stavebný sporiteľ sa zaväzuje poskytnúť len úplné, presné a pravdivé údaje.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,"1) V dôsledku zmeny e-mailovej adresy uvedenej v tejto žiadosti dochádza k zmene e-mailovej adresy na zasielanie Výpisu z účtu elektronicky, pokiaľ som o tento spôsob zasielania Výpisu z účtu požiadal.  Zároveň aj prípadné ďalšie informácie zo strany ČSOB SP týkajúce sa zmlúv o stavebnom sporení a úverových zmlúv, ku ktorým sa poskytuje Výpis z účtu v elektronickej forme, budú zasielané na túto novú e-mailovú adresu.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"2) Štát, v ktorom stavebný sporiteľ platí dane zo svojich celosvetových príjmov.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"3) Vyplňte iba v prípade ak sa štát daňovej rezidencie líši od štátu uvedenom v trvalom pobyte žiadateľa o úver (stavebného sporiteľa)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"4) Vyhlasujem, že nie som politicky exponovaná osoba v zmysle zákona č. 297/2008 Z.z.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"5) Vyhlasujem, že nie som osobou s osobitným vzťahom k banke v zmysle § 35 zákona č. 483/2001 Z. z. o bankách v platnom znení. V prípade, ak nastane zmena vo vzťahu k tomuto vyhláseniu, sa zaväzujem takúto zmenu oznámiť bez zbytočného odkladu.  Nepravdivosti tohto vyhlásenia má za následok neplatnosť tohto právneho úkonu. ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"6) ČSOB SP poskytuje Výpis z účtu v elektronickej forme stavebnému sporiteľovi v lehote a za podmienok v zmysle platných VOP na uvedenú mailovú adresu  (ďalej len „Adresu“)  a to k všetkým platným a účinným zmluvám o stavebnom sporení, ktorých je majiteľom a úverovým zmluvám, na ktorých stavebný sporiteľ figuruje ako hlavný dlžník, bez ohľadu na dátum uzatvorenia zmluvy.\nČSOB SP poskytuje Výpis z účtu vždy na poslednú e-mailovú adresu oznámenú stavebným sporiteľom v príslušnom tlačive ČSOB SP.\nVýpisy z účtu v elektronickej forme sú zasielané na Adresu vo formáte PDF skomprimované do Zip súboru a zabezpečené heslom.\nZa heslo sa považujú posledné 4 číslice rodného čísla a rok narodenia majiteľa účtu: ČČČČRRRR.\nStavebný sporiteľ zároveň podpisom tejto žiadosti súhlasí s tým, aby aj prípadné ďalšie informácie zo strany ČSOB SP týkajúce sa zmlúv o stavebnom sporení a úverových zmlúv, ku ktorým sa poskytuje Výpis z účtu v elektronickej forme, boli zasielané na Adresu.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"Vybrané poplatky v zmysle platného Sadzobníka poplatkov pre fyzické osoby – obyvateľov, ktoré budú zúčtované v súlade s VOP.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"Uzatvorenie zmluvy o stavebnom sporení:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"Spracovanie a schválenie úverového prípadu - pri medziúvere:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"popl_spracovanie","v":0},null,null,null,null,null,null,null,null,null,null,true]
[null,null,"Správa účtu k zmluve o stavebnom sporení:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"16 € ročne",null,null,null,null,null,null,null,null,null,null,true]
[null,null,"Správa úverového účtu - pri medziúvere, pri stavebnom úvere:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"bez poplatku",null,null,null,null,null,null,null,null,null,null,true]
[null,null,"Poskytnutie informácie o zúčtovaní na účte k zmluve stavebného sporenia (ročne poštou)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3.5,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"Poskytnutie informácie o zúčtovaní na účte k zmluve o medziúvere alebo stavebnom úvere (ročne poštou)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2.5,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"Poskytnutie informácie o zúčtovaní na účte (ročne sprístupnený v elektronickej forme)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"bez poplatku",null,null,null,null,null,null,null,null,null,null,true]
[null,null,"Stavebná sporiteľňa je oprávnená meniť poplatky za podmienok uvedených vo VOP.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,null,"Výška vyššie uvedených poplatkov môže byť primerane znížená v závislosti od podmienok akciovej ponuky ČSOB SP.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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[null,"Stavebný sporiteľ, ktorý uzatvorí zmluvu o medziúvere a začne čerpať medziúver po 1.1.2019 stráca nárok na štátnu prémiu na všetkých zmluvách stavebného sporenia uzatvorených v ktorejkoľvek stavebnej sporiteľni.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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[null,"Podpisom tejto žiadosti potvrdzujeme, že všetky poskytnuté údaje uvedené v tejto žiadosti sú pravdivé, presné  a úplné. Akúkoľvek ich zmenu sa zaväzujeme oznámiť ČSOB SP bez zbytočného odkladu. Následkom poskytnutia nepresných, nepravdivých alebo neúplných informácií môže byť  neposkytnutie stavebného úveru/medziúveru, resp. vyhlásenie okamžitej splatnosti celého úveru. ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Podpisom tejto žiadosti žiadateľ potvrdzuje prevzatie formuláru s informáciami k sprostredkovaniu spotrebiteľského úveru.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AND(spotrebitelsky_ucel,OR(RK_ziadost_spracovanie=list_EDS_spracovanie_KP,RK_ziadost_spracovanie=list_EDS_spracovanie_tiper))","v":false}]
[null,"Za spracovanie a schválenie žiadosti o poskytnutie medziúveru, resp. stavebného úveru je ČSOB SP oprávnená účtovať poplatok v zmysle platného Sadzobníka poplatkov pre fyzické osoby - občanov, a to aj v prípade, ak nedôjde k uzatvoreniu úverovej zmluvy, a to bez ohľadu na dôvod jej neuzatvorenia.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Súhlasím, aby si ČSOB SP preverila mnou predložené doklady o príjme u zamestnávateľa. Zároveň súhlasím, aby  Československá obchodná banka, a.s., Žižkova 11, 811 02 Bratisalva, IČO: 36 854 140 (ďalej len \"Československá obchodná banka, a.s.\"), poskytla ČSOB SP informácie o výške mojich príjmov v prípade, ak sú poukazované na účet v Československej obchodnej banke, a.s.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Poskytované finančné prostriedky z poskytnutého stavebného úveru, resp. medziúveru (vrátane zostatku do  výšky 500,00 EUR) je možné použiť len na stavebné účely v zmysle § 11 zákona č. 310/1992 Zb. o  stavebnom  sporení v znení neskorších predpisov (ďalej len „Zákon“).",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"V zmysle § 91 ods. (1) Zákona o bankách súhlasím s poskytovaním a sprístupňovaním údajov o bankových obchodoch uzatvorených s bankou (vrátane údajov získaných bankou pri rokovaní o ich uzatvorení), ich zabezpečení, platobnej disciplíne z hľadiska splácania záväzkov, na účely posúdenia mojej schopnosti splácať úver v rozsahu a za podmienok uvedených v § 92a  Zákona o bankách:\n-    prevádzkovateľovi Spoločného registra bankových informácií, ktorým je  spoločnosť Slovak Banking Credit Bureau, s.r.o., IČO: 35 869 810, so sídlom Mlynské Nivy 14, 821 09 Bratislava– Staré Mesto (ďalej „SRBI“),  \n-    subjektom povereným spracúvaním údajov v SRBI,\n-    bankám a pobočkám zahraničných bánk,\n-    prostredníctvom Non-Banking  Credit  Bureau,  záujmové združenie právnických osôb, IČO: 42 053 404, so sídlom Mlynské nivy 14, 821 09 Bratislava-Staré Mesto(ďalej „NRKI“) oprávneným užívateľom NRKI,\na to na dobu 5 rokov odo dňa ich poskytnutia a v prípade uzatvorenia bankového obchodu, na dobu stanovenú v Zákone o bankách.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Žiadateľ,  ktorý začne čerpať medziúver po 1.1.2019 stráca nárok na štátnu prémiu na všetkých zmluvách stavebného sporenia uzatvorených v ktorejkoľvek stavebnej sporiteľni.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Žiadateľ na účely poskytnutia úveru z ČSOB SP sprostredkovaným Československou obchodnou bankou, a. s. (ďalej aj „ČSOB“) súhlasí s poskytnutím údajov o bankovom tajomstve týkajúcich sa jeho úverov v ČSOB SP pre ČSOB.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Žiadateľ vyjadruje súhlas s poskytnutím údajov chránených bankovým tajomstvom v ČSOB SP v rozsahu číslo zmluvy a rodné číslo pre ČSOB a ČSOB Poisťovňu, a.s., Žižkova 11, 811 02 Bratislava, IČO: 31 325 416 (ďalej len „ČSOB Poisťovňa“) na účely vyhodnotenia oprávnenosti nároku na zľavu z úrokovej sadzby medziúveru počas prvého obdobia fixácie, ak o uplatnenie týchto zliav požiadal. Zľavu je možné uplatniť za bežný účet vedený v ČSOB a poistenie Domos alebo poistenie úveru uzatvorené v ČSOB Poisťovni. Zároveň súhlasí s tým, aby ČSOB a ČSOB Poisťovňa poskytla ČSOB SP údaje chránené bankovým tajomstvom a poistnou mlčanlivosťou v rozsahu potvrdenia o existencii produktu a dátumu jeho uzatvorenia.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Žiadateľ vyhlasuje, že všetky uvedené údaje a informácie sú pravdivé a aktuálne a že bol informovaný o svojich právach dotknutej osoby v zmysle Nariadenia EP a Rady (EÚ) 2016/679 o ochrane fyzických osôb pri spracúvaní osobných údajov a o voľnom pohybe takýchto údajov, ktorým sa zrušuje smernica 95/46/ES (všeobecné nariadenie o ochrane údajov)- GDPR, v prípade spracúvania osobných údajov v krajinách, ktoré neuplatňujú právo EÚ i podľa § 59 a nasled. zák. č. 18/2018 Z. z. ochrane osobných údajov. Viac informácií o zásadách spracúvania osobných údajov sa nachádza na www.csob.sk/pravne-informacie#memorandum-ochrany-osobnych-udajov, alebo v priestoroch pobočiek ČSOB.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Vyhlasujem, že nebol voči mne za posledných  5 rokov podaný návrh  na vyhlásenie konkurzu, alebo vyhlásený konkurz alebo zamietnutý konkurz pre nedostatok  majetku, ani nebolo začaté konkurzné alebo reštrukturalizačné konanie, alebo  akékoľvek  súdne konanie, vrátane exekučného, nie som v likvidácii, nemám nedoplatky voči daňovým úradom, colným úradom, Sociálnej poisťovni a iným subjektom.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,"Poistenie úveru:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV357","v":false}]
[null,{"$f":"IF(RK_ziadost_poistenie=\"základný súbor A\",\"Poistenie vo variante A - poistenie pre prípad smrti, invalidity a pracovnej neschopnosti\",IF(RK_ziadost_poistenie=\"komplexný súbor B\",\"Poistenie vo variante B - poistenie pre prípad smrti, invalidity, pracovnej neschopnosti a straty zamestnania\",\"\"))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"B357<>\"\"","v":false}]
[null,"Vyhlasujem, že som bol/a oboznámený/á s Poistnou zmluvou o poistení dlžníkov z medziúveru a stavebného úveru č. 2950000015 zo dňa 5.6.2007 a jej platnými dodatkami, Všeobecnými poistnými podmienkami pre životné poistenie v platnom znení  a Osobitnými poistnými podmienkami – poistenie pre prípad smrti, invalidity, invalidity následkom úrazu, pracovnej neschopnosti a straty zamestnania B-S, I, IÚ, PN, N v platnom znení a žiadam o poistenie úveru v prípade, ak mi bude stavebnou sporiteľňou poskytnutý.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"RK_ziadost_poistenie=\"základný súbor A\"","v":false}]
[null,"Súčasne vyhlasujem, že spĺňam nasledujúce podmienky:\n• som plnoletý/á, spôsobilý/á na právne úkony, mladší/ia ako 57 rokov,\n• som zdravý/á*,\n• nie som v pracovnej neschopnosti,\n• v posledných 12 mesiacoch som nebol/a v pracovnej neschopnosti dlhšej ako 30 po sebe idúcich kalendárnych dní.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"RK_ziadost_poistenie=\"základný súbor A\"","v":false}]
[null,"Vyhlasujem, že som bol/a oboznámený/á s Poistnou zmluvou o poistení dlžníkov z medziúveru a stavebného úveru č. 2950000015 zo dňa 5.6.2007 a jej platnými dodatkami, Všeobecnými poistnými podmienkami pre životné poistenie v platnom znení  a Osobitnými poistnými podmienkami – poistenie pre prípad smrti, invalidity, invalidity následkom úrazu, pracovnej neschopnosti a straty zamestnania B-S, I, IÚ, PN, N v platnom znení a žiadam o poistenie úveru v prípade, ak mi bude stavebnou sporiteľňou poskytnutý.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"RK_ziadost_poistenie=\"komplexný súbor B\"","v":false}]
[null,"Súčasne vyhlasujem, že spĺňam nasledujúce podmienky:\n• som plnoletý/á, spôsobilý/á na právne úkony, mladší/ia ako 57 rokov,\n• som zdravý/á*,\n• nie som v pracovnej neschopnosti,\n• v posledných 12 mesiacoch som nebol/a v pracovnej neschopnosti dlhšej ako 30 po sebe idúcich kalendárnych dní,\n• mám hlavný pracovný pomer uzavretý na dobu neurčitú a súčasne som bol/a zamestnaný/á v hlavnom pracovnom pomere nepretržite v predchádzajúcich 12 mesiacoch,",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"RK_ziadost_poistenie=\"komplexný súbor B\"","v":false}]
[null,"• nezrušil/a som so zamestnávateľom okamžite pracovný pomer, nepodal/a som a ani mi nebola daná výpoveď zo strany zamestnávateľa, nezaslal/a som zamestnávateľovi a ani som neobdržal/a od zamestnávateľa návrh na skončenie pracovného pomeru dohodou,\n• nie som podľa môjho vedomia zamestnancom, s ktorým by mohol byť v dobe nasledujúcich 12 mesiacov rozviazaný pracovný pomer z dôvodov uvedených v §63 ods. 1 písm. a) a b) zákona č. 311/2001 Z. z. Zákonník práce v platnom znení najmä v dôsledku znižovania počtu zamestnancov alebo v dôsledku organizačných zmien zamestnávateľa.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"RK_ziadost_poistenie=\"komplexný súbor B\"","v":false}]
[null,"* Zdravá osoba je osoba, ktorá nie je v pravidelnej lekárskej opatere, nie je pod pravidelným lekárskym dohľadom v dôsledku zisteného chronického ochorenia s trvalým užívaním liekov, netrpí najmä nevyliečiteľnou chorobou, alebo chronickým ochorením, alebo ochorením, ktoré by mohlo ohroziť jej zdravie alebo život, alebo ochorením, ktoré by mohlo mať za následok vznik invalidity.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV357","v":false}]
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[null,null,"Žiadateľ o úver (stavebný sporiteľ) prevzal:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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[null,null,{"$f":"IF(RK_ziadost_prevzatie=\"osobne v listinnej podobe\",\"X\",\"\")","v":""},null,"Osobne v listinnej podobe",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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[null,null,{"$f":"IF(RK_ziadost_prevzatie=\"zaslaním elektronickou poštou na e-mail uvedený v časti údaje o žiadateľovi\",\"X\",\"\")","v":""},null,"Zaslaním elektronickou poštou na e-mail uvedený v časti údaje o stavebnom sporiteľovi.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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["a) Všeobecné obchodné podmienky pre stavebné sporenie (ďalej len „VOP“) a ich prílohu „Typy sporenia pre fyzické osoby -  obyvateľov“,",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
["b) Sadzobník poplatkov pre fyzické osoby – obyvateľov,",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
["c) Informačný formulár pre vkladateľa",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Podpis žiadateľa o úver (stavebného sporiteľa)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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[null,null,"DÁTUM A PODPIS\nŽIADATEĽA O ÚVER: ",null,null,null,null,null,null,null,null,null,{"$f":"TRIM(IF(RK_ziadatel_titul_pred=\"\",\"\",RK_ziadatel_titul_pred)&\" \"&IF(RK_ziadatel_meno=\"\",\"\",RK_ziadatel_meno)&\" \"&IF(RK_ziadatel_priezvisko=\"\",\"\",RK_ziadatel_priezvisko)&IF(RK_ziadatel_titul_za=\"\",\"\",\", \"&RK_ziadatel_titul_za))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"DÁTUM A PODPIS\nSPOLUŽIADATEĽA 1: ",null,null,null,null,null,null,null,null,null,{"$f":"TRIM(IF(RK_spoluziadatel_titul_pred=\"\",\"\",RK_spoluziadatel_titul_pred)&\" \"&IF(RK_spoluziadatel_meno=\"\",\"\",RK_spoluziadatel_meno)&\" \"&IF(RK_spoluziadatel_priezvisko=\"\",\"\",RK_spoluziadatel_priezvisko)&IF(RK_spoluziadatel_titul_za=\"\",\"\",\", \"&RK_spoluziadatel_titul_za))","v":""},null,null,null,null,null,null,null,null,null,null,null,true]
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[null,null,"DÁTUM A PODPIS\nSPOLUŽIADATEĽA 2: ",null,null,null,null,null,null,null,null,null,{"$f":"TRIM(IF(RK_pristupitel_titul_pred=\"\",\"\",RK_pristupitel_titul_pred)&\" \"&IF(RK_pristupitel_meno=\"\",\"\",RK_pristupitel_meno)&\" \"&IF(RK_pristupitel_priezvisko=\"\",\"\",RK_pristupitel_priezvisko)&IF(RK_pristupitel_titul_za=\"\",\"\",\", \"&RK_pristupitel_titul_za))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"DÁTUM A PODPIS\nSPOLUŽIADATEĽA 3: ",null,null,null,null,null,null,null,null,null,{"$f":"TRIM(IF(RK_spolupristupitel_titul_pred=\"\",\"\",RK_spolupristupitel_titul_pred)&\" \"&IF(RK_spolupristupitel_meno=\"\",\"\",RK_spolupristupitel_meno)&\" \"&IF(RK_spolupristupitel_priezvisko=\"\",\"\",RK_spolupristupitel_priezvisko)&IF(RK_spolupristupitel_titul_za=\"\",\"\",\", \"&RK_spolupristupitel_titul_za))","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"OR(M381<>\"\",AJ381<>\"\")","v":false}]
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[{"$f":"TEXT(generovanie,\"d.m.yyyy\") & \", \" & RK_miesto","v":"24.2.2020, "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
["dátum, miesto",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PODPIS SPROSTREDKOVATEĽA, KTORÝ OVERIL ÚDAJE UVEDENÉ OPROTI ČÍSLAM DOKLADOV TOTOŽNOSTI V ŽIADOSTI, TOTOŽNOSTI A PODPISY VYŠETKÝCH ÚČASTNÍKOV ÚVEROVÉHO VZŤAHU RESP. SPLNOMOCNENÝCH OSÔB:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[null,{"$f":"IF(RK_ziadost_spracovanie=\"kompletné spracovanie\",CONCATENATE(\"Finančný agent: \",IF(RK_FA_titul_pred=\"\",\"\",\", \"&RK_FA_titul_pred),RK_FA_meno,\" \",RK_FA_priezvisko,IF(RK_FA_titul_za=\"\",\"\",\", \"&RK_FA_titul_za),\", číslo: \",RK_FA_provcis,\", tel.: \",RK_FA_tel),CONCATENATE(\"Finančný agent: \",IF(KP_titul_pred=\"\",\"\",\", \"&KP_titul_pred),KP_meno,\" \",KP_priezvisko,IF(KP_titul_za=\"\",\"\",\", \"&KP_titul_za),\", číslo: \",KP_provcis,\", tel.: \",KP_tel))","v":"Finančný agent:  , číslo: , tel.: "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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[null,"Prepočet uvádzaný v tejto žiadosti ako aj predpokladaná dĺžka trvania úveru je len informatívna, nakoľko je závislá od splnenia a dodržania dohodnutých podmienok. Skutočné trvanie úveru a výška mesačných splátok stavebného úveru môže byť odlišná od údajov uvedených v tejto žiadosti.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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[null,"ČSOB stavebná sporiteľňa, a.s.\nBratislava 1, PSČ 811 02, Žižkova 11; IČO: 35 799 200; DIČ: 2021544030; IČ pre DPH: SK7020000218 \nzapísaná v Obchodnom registri Okresného súdu Bratislava I. v odd. Sa, vložka č. 2590/B\ninfolinka: 0800 111 303,  fax:  02 5966 7920; www.csob.sk; csobsp@csobsp.sk",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
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[null,"ZÁKLADNÉ INFORMÁCIE O ÚVERE NA BÝVANIE V CUDZEJ MENE"]
[null,"TIETO INFORMÁCIE BOLI VYTVORENÉ PRE",null,{"$f":"RK_ziadatel_meno & \" \" & RK_ziadatel_priezvisko","v":" "}]
[null,"dňa ",null,{"$f":"RK_ziadost_datum","v":43885.543904166669}]
[null,"Tieto informácie boli vytvorené na základe údajov, ktoré ste doteraz poskytli, a na základe aktuálnych podmienok na finančnom trhu"]
[null,"Informácie, ktoré sa uvádzajú nižšie sú platné až do ",null,"30 dní, resp. do podpisu zmluvy o úvere na bývanie"]
[null,"Tieto informácie nezakladajú záväzok pre ČSOB stavebnú sporiteľňu, a.s. (ďalej len „ČSOB SP“) poskytnúť Vám úver na bývanie, resp. úver na bývanie v cudzej mene. "]
[null,"Základné informácie o úvere na bývanie v cudzej mene "]
[null,"Tento úver na bývanie je úverom na bývanie v cudzej mene",null,{"$f":"IF(RK_ziadatel_prijem_ZC_typ=\"v ČR\",\"CZK\",IF(RK_ziadatel_prijem_zahr_mena=\"\",VLOOKUP(RK_ziadatel_stat,cis_RK_stat_mena,2,FALSE),RK_ziadatel_prijem_zahr_mena))","v":"EUR"}]
[null,null,null,"národnej mene spotrebiteľa"]
[null,{"$f":"\"Hodnota Vášho úveru na bývanie v \" & RK_cm_mena & \" sa môže zmeniť.\"","v":"Hodnota Vášho úveru na bývanie v EUR sa môže zmeniť."}]
[null,{"$f":"\"Ak hodnota  \" & RK_cm_mena & \" klesne o 20 % v porovnaní s EUR na  \" & RK_cm_kurz*1.2 & \" \" & RK_cm_mena & \"/EUR, zvýši sa hodnota Vášho úveru na \" & TEXT(RK_ziadost_vyska_uveru*RK_cm_kurz*1.2,\"# ###,00\") & \". Táto hodnota však môže byť ešte vyššia, ak hodnota  \" & RK_cm_mena & \" klesne o viac ako 20 %.\"","v":{"$error":"#N/A"}}]
[null,"Výška každej splátky"]
[null,{"$f":"\"Výška sumy, ktorú budete platiť v \" & RK_cm_mena & \" každý mesiac sa môže zmeniť. Napríklad ak hodnota \" & RK_cm_mena & \" klesne o 20 % v porovnaní s EUR, budete musieť platiť v medziúvere o \"& TEXT(RK_MU_splatka_final*RK_cm_kurz*1.2-RK_MU_splatka_final*RK_cm_kurz,\"# ###,00\")&\" každý mesiac viac a v stavebnom úvere o \"& TEXT(RK_SU_splatka_final*RK_cm_kurz*1.2-RK_SU_splatka_final*RK_cm_kurz,\"# ###,00\")&\" každý mesiac viac. Splátky by sa mohli zvýšiť ešte oveľa viac.\"","v":{"$error":"#N/A"}}]
[]
[null,"Práva a povinnosti spojené s úverom na bývanie v cudzej mene:"]
[null,"- v prípade poskytnutia úveru na bývanie  v cudzej mene, máte právo kedykoľvek počas trvania Zmluvy o (mimoriadnom) medziúveru na bývanie  v cudzej mene a stavebnom úvere na bývanie v cudzej mene, resp. Zmluvy o stavebnom úvere na bývanie v cudzej mene (ďalej len „Úverová zmluva“) bezodplatne zmeniť menu úveru na bývanie na alternatívnu menu alebo ČSOB SP poskytujúca úver na bývanie v cudzej mene je povinná prijať opatrenia na predchádzanie vzniku kurzového rizika, ktorému ste vystavený v súvislosti s poskytnutím úveru na bývanie v cudzej mene.  Alternatívnou menou sa na účely týchto informácií rozumie mena: "]
[null,"a) v ktorej poberáte príjem alebo ste držiteľom aktív, z ktorých sa má úver na bývanie splatiť, ako bolo uvedené v čase vykonania posúdenia Vašej schopnosti splácať úver na bývanie vo vzťahu k Úverovej zmluve;"]
[null,"b) členského štátu, v ktorom ste mali trvalý pobyt v čase uzavretia Úverovej zmluvy alebo v ktorom máte trvalý pobyt v súčasnosti."]
[null,"- pri zmene meny v Úverovej zmluvy na alternatívnu menu, sa na prepočet cudzej meny použije výmenný kurz, ktorý je platný v deň podania žiadosti o zmenu meny v Úverovej zmluve, ak v Úverovej zmluve. Výmenným kurzom sa na tieto účely rozumie výmenný kurz, ktorý sa používa ako základ na prepočet medzi menami a je určený pre príslušné meny Európskou centrálnou bankou  alebo Národnou bankou Slovenska."]
[null,"- ak máte  uzavretú Úverovú zmluvu, na základe ktorej Vám ČSOB SP poskytla úver na bývanie v cudzej mene, ČSOB SP je povinná Vás pravidelne informovať písomnou formou alebo v podobe zápisu na inom trvanlivom médiu, ktoré je Vám dostupné, a  minimálne vtedy, ak pri výmennom kurze medzi menou uvedenou v Úverovej zmluvy a menou členského štátu platnou v čase uzavretia Úverovej zmluvy sa celková výška úveru na bývanie, ktorú musíte splatiť a ktorá ostáva nesplatená alebo výška pravidelných mesačných úverových splátok odlišuje o viac ako 20 %., pričom tieto informácie obsahujú upozornenia pre Vás o:"]
[null,"a) zvýšení celkovej výšky úveru na bývanie, ktorú musíte zaplatiť,"]
[null,"b) určení práva uskutočniť zmenu na alternatívnu menu a podmienky takejto zmeny a"]
[null,"c) mechanizme, ktorý je uplatniteľný na obmedzenie rizík výmenného kurzu, ktorým ste vystavený."]
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[null,"DÁTUM A PODPIS ŽIADATEĽA:",null,"DÁTUM A PODPIS SPOLUŽIADATEĽA 1:"]
[null,{"$f":"TRIM(IF(RK_ziadatel_titul_pred=\"\",\"\",RK_ziadatel_titul_pred)&\" \"&IF(RK_ziadatel_meno=\"\",\"\",RK_ziadatel_meno)&\" \"&IF(RK_ziadatel_priezvisko=\"\",\"\",RK_ziadatel_priezvisko) & IF(RK_ziadatel_titul_za=\"\",\"\", \" \" & RK_ziadatel_titul_za))","v":""},null,{"$f":"TRIM(IF(RK_spoluziadatel_titul_pred=\"\",\"\",RK_spoluziadatel_titul_pred)&\" \"&IF(RK_spoluziadatel_meno=\"\",\"\",RK_spoluziadatel_meno)&\" \"&IF(RK_spoluziadatel_priezvisko=\"\",\"\",RK_spoluziadatel_priezvisko) & IF(RK_spoluziadatel_titul_za=\"\",\"\", \" \" & RK_spoluziadatel_titul_za))","v":""}]
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[null,"DÁTUM A PODPIS SPOLUŽIADATEĽA 2:",null,"DÁTUM A PODPIS SPOLUŽIADATEĽA 3:"]
[null,{"$f":"TRIM(IF(RK_pristupitel_titul_pred=\"\",\"\",RK_pristupitel_titul_pred)&\" \"&IF(RK_pristupitel_meno=\"\",\"\",RK_pristupitel_meno)&\" \"&IF(RK_pristupitel_priezvisko=\"\",\"\",RK_pristupitel_priezvisko) & IF(RK_pristupitel_titul_za=\"\",\"\", \" \" & RK_pristupitel_titul_za))","v":""},null,{"$f":"TRIM(IF(RK_spolupristupitel_titul_pred=\"\",\"\",RK_spolupristupitel_titul_pred)&\" \"&IF(RK_spolupristupitel_meno=\"\",\"\",RK_spolupristupitel_meno)&\" \"&IF(RK_spolupristupitel_priezvisko=\"\",\"\",RK_spolupristupitel_priezvisko) & IF(RK_spolupristupitel_titul_za=\"\",\"\", \" \" & RK_spolupristupitel_titul_za))","v":""}]
[]
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[null,null,null,{"$f":"verzia_ID & \"_\" & TEXT(verzia_date,\"yyyymmdd\") & \"v\" & verzia_RK","v":"AMU_REKO_20200215v32.2"}]

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["Tento informačný dokument vám má poskytnúť základný prehľad o rozsahu a podmienkach poistenia, pričom  kompletné informácie pred uzavretím poistnej zmluvy a zmluvné informácie o poistnom produkte sú uvedené v úverovej zmluve, vo Všeobecných poistných podmienkach pre životné poistenie a Osobitných poistných podmienkach – Poistenie pre prípad smrti, invalidity, invalidity následkom úrazu, pracovnej neschopnosti a straty zamestnania.\nO aké poistenie ide?\nUzatvorením poistenia môžete zredukovať svoje obavy, či budete v budúcnosti schopný splácať poskytnutý úver. Účelom tohto poistenia je chrániť Vás a Vašu rodinu pred prípadnými finančnými problémami, ktoré môžu nastať v dôsledku vybraných neočakávaných situácií. \n"]
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["\n\n             Čo je predmetom poistenia?\nPoistenie je možné uzatvoriť v dvoch variantoch.\nVariant A zahŕňa poistenia:\n✔ pre prípad smrti\n✔ pre prípad invalidity následkom choroby alebo úrazu (invalidita od 70%)\n✔ pre prípad dlhodobej pracovnej neschopnosti (od 60 dňa trvania PN)\nVariant B zahŕňa poistenie:\n✔ pre prípad smrti\n✔ pre prípad invalidity následkom choroby alebo úrazu (invalidita od 70%)\n✔ pre prípad pracovnej neschopnosti (od 60 dňa trvania PN)\n✔ pre prípad straty zamestnania (nedobrovoľnej a v dĺžke trvania min. 60 dní)\nAké je poistné plnenie?\n• v prípade smrti:\npoistné plnenie je vo výške záväzkov poisteného vyplývajúcich z úverovej zmluvy ku dňu smrti, v prípade, ak smrť nastala následkom úrazu, výška plnenia bude zvýšená o 25% (iba ak celkové plnenie za všetky poistenia poisteného v úhrne nepresiahne 100 000 EUR) \n• v prípade invalidity (od 70%):\npoistné plnenie je vo výške záväzkov poisteného vyplývajúcich z úverovej zmluvy ku dňu priznania invalidity, ak invalidita nastala následkom úrazu, výška plnenia bude zvýšená o 25% (iba ak celkové plnenie za všetky poistenia poisteného v úhrne nepresiahne 100 000 EUR)  \n• v prípade pracovnej neschopnosti sa poistné plnenie rovná splátkam úveru, ktorých splatnosť pripadá na dobu trvania pracovnej neschopnosti (max.12 splátok) alebo splátkam úveru a vkladom mesačného sporenia      (max.12 splátok úveru a 12 mesačných vkladov stavebného sporenia)\n• v prípade straty zamestnania sa poistné plnenie vypláca v splátkach vo výške splátok úveru, ktorých splatnosť pripadá na dobu trvania nezamestnanosti (max.12 splátok) alebo splátkam úveru a vkladom mesačného sporenia (max.12 splátok úveru a 12 mesačných vkladov stavebného sporenia)\n",null,null,null,null,null,"            \n\n               Čo nie je predmetom poistenia?\n✘ invalidita v prípade, ak bola schopnosť poisteného vykonávať zárobkovú činnosť znížená na menej ako 70%\n✘ pracovná neschopnosť a strata zamestnania, ku ktorej dôjde počas prvých 90 dní trvania poistenia \n✘ pracovná neschopnosť a strata zamestnania, ktorá trvá menej ako 60 dní \n✘ strata zamestnania ku ktorej dôjde následkom podania výpovede zo strany poisteného (zamestnanca) \n✘ strata zamestnania, ak poistený nebol evidovaný úradom práce na území Slovenskej republiky\n✘ krytie záväzkov vyplývajúcich z nedodržania zmluvných podmienok, termínov a výšky splátok, alebo nesplatenia ostatných peňažných záväzkov vyplývajúcich z tejto Zmluvy splatných pred dňom vzniku poistnej udalosti a na krytie záväzkov vzniknutých po dni vzniku poistnej udalosti\n"]
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[null,null,null,null,null,null,"            \n             Týkajú sa krytia nejaké obmedzenia?\n❗ Poistenie sa nevzťahuje najmä na:\n   ❗ následky ochorení alebo úrazov, ktoré vznikli alebo boli diagnostikované, alebo museli vzniknúť pred začiatkom poistenia,\n   ❗ úmyselné poškodenie vlastného zdravia,\n   ❗ poistné udalosti vzniknuté následkom samovraždy v prvých 5 rokoch trvania poistenia.\n❗ Poistenie pre prípad invalidity a pracovnej neschopnosti sa nevzťahuje najmä na:\n   ❗ degeneratívne ochorenia chrbtice a kĺbov, platničkových alebo chrbticových syndrómov,\n   ❗ asténiu, depresívne stavy, psychické poruchy, a akékoľvek závislosti,\n   ❗ následky diagnostických, liečebných, alebo preventívnych  zákrokov, ktoré neboli vykonané za účelom liečenia následkov úrazu alebo choroby.\n❗ Pri strate zamestnania a pri pracovnej neschopnosti sa z jednej poistnej udalosti uhrádza najviac 12 splátok úveru. Poskytnuté plnenie pripadajúce na jednu úverovú splátku alebo na jednu úverovú splátku a vklad stavebného sporenia nemôže presiahnuť 1 850 EUR.\nUpozornenie: Úplný zoznam obmedzení a výluk nájdete v čl. 11 Všeobecných poistných podmienok pre životné poistenie, v čl. 4 časti A , v čl. 3 časti B, v čl. 3 časti C, v čl. 3 časti D, v čl. 1 časti E, v čl.3 časti F a v čl. 3 časti H Osobitných poistných podmienok pre prípad smrti, invalidity, invalidity následkom úrazu, pracovnej neschopnosti a straty zamestnania"]
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["                         \n                Kde sa na mňa vzťahuje krytie?\n✔ Poistenie pre prípad smrti a pre prípad invalidity sa vzťahuje na udalosti kdekoľvek na svete.\n✔ Poistenie pre prípad pracovnej neschopnosti sa vzťahuje na udalosti kdekoľvek na svete.\n✔ Poistenie pre prípad straty zamestnania a následnej nezamestnanosti sa vzťahujú na evidenciu poisteného v zozname uchádzačov o zamestnanie na Úrade práce, sociálnych vecí a rodiny na území SR"]
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["\n             Aké mám povinnosti?\nPovinnosti pred uzavretím poistenia\n• Pri skúmaní podmienok vstupu do poistenia pred uzatvorením poistenia venujte náležitú pozornosť, aby ste na otázky poisťovne odpovedali pravdivo a úplne. V prípade nepravdivej odpovede týkajúcej sa splnenia týchto podmienok Vám hrozí odmietnutie poskytnutia poistného plnenia. Akékoľvek výhrady či pochybnosti o splnení týchto podmienok je nevyhnutné uviesť písomne na všetky vyhotovenia dokumentov, v ktorých vyhlasujete splnenie podmienok.\n• Pre uzavretie poistenia vo variante A musíte spĺňať nasledujúce podmienky:\n   • ste plnoletý, spôsobilý na právne úkony a ste mladší ako 57 rokov, \n   • nie ste práceneschopný, v posledných 12 mesiacoch ste neboli práceneschopný dlhšie ako 30 po sebe idúcich kalendárnych dní,\n   • ste zdravý, najmä nie ste v pravidelnej lekárskej opatere, nie ste pod pravidelným lekárskym dohľadom v dôsledku zisteného chronického ochorenia s trvalým užívaním liekov, netrpíte najmä nevyliečiteľnou chorobou, alebo chronickým ochorením, alebo ochorením, ktoré by mohlo ohroziť vaše zdravie alebo život, alebo ochorením, ktoré by mohlo mať za následok vznik invalidity,\n   • neboli ste práceneschopný viac ako 3 týždne v posledných piatich rokoch (s výnimkou zlomenín bez komplikácií, operácie slepého čreva alebo odstránenia krčných mandlí).\n• Pre uzavretie poistenia vo variante B musíte spĺňať okrem podmienok uvedených vo variante A nasledujúce ďalšie podmienky:\n   • máte hlavný pracovný pomer uzavretý na dobu neurčitú a súčasne ste boli zamestnaný v hlavnom pracovnom pomere nepretržite v predchádzajúcich 12 mesiacoch, \n   • nezrušili ste so zamestnávateľom okamžite pracovný pomer, nepodali a ani vám nebola daná výpoveď zo strany zamestnávateľa, nezaslali ste zamestnávateľovi a ani neobdržali od zamestnávateľa návrh na skončenie pracovného pomeru dohodou,\n   • nie ste podľa svojho vedomia zamestnancom, s ktorým by mohol byť v dobe nasledujúcich 12 mesiacov rozviazaný pracovný pomer z dôvodov najmä v dôsledku znižovania počtu zamestnancov alebo v dôsledku organizačných zmien zamestnávateľa. \nPovinnosti počas trvania poistenia\n• počas trvania poistenia je potrebné najmä pravidelne uhrádzať poistné,\n• po obdržaní rozhodnutia Sociálnej poisťovne ste povinný oznámiť túto skutočnosť bez zbytočného odkladu poisťovateľovi, \n• ste povinný zabezpečiť poisťovateľovi poskytnutie všetkých informácií, údajov a dokumentov potrebných k zisteniu rozsahu povinnosti      \n       poisťovateľa plniť, \n• v prípade choroby alebo úrazu ste povinný bez zbytočného odkladu vyhľadať lekára, dodržiavať jeho pokyny a liečebný režim, a ak \n       to poisťovateľ vyžaduje, dať sa na jeho náklady vyšetriť lekárom, ktorého vám poisťovateľ určí. \nPovinnosti v prípade poistnej udalosti \n• poistnú udalosť ste povinný čo najskôr oznámiť poisťovni a predložiť potrebné doklady (ich zoznam nájdete v tlačive oznámenia poistnej udalosti),\n• v prípade poistnej udalosti pracovnej neschopnosti alebo straty zamestnania pravidelne ste povinný mesačne predkladať poisťovni aktuálne písomné potvrdenie o trvaní pracovnej neschopnosti, resp. nezamestnanosti a o jej ukončení,\n• ste povinný umožniť poisťovateľovi získavať a spracúvať akúkoľvek zdravotnú dokumentáciu o vašej osobe, na jeho vyžiadanie zabezpečiť a zbaviť povinnosti mlčanlivosti všetkých lekárov, ktorí vás liečili alebo vyšetrovali, a to i z iných dôvodov, než je poistná udalosť a udeliť súhlas k podaniu všetkých nevyhnutných informácií poisťovateľovi a udeliť súhlas svojej zdravotnej poisťovni a/alebo príslušnému orgánu sociálneho poistenia k poskytnutiu všetkých informácií, ktoré si poisťovateľ vyžiada, \n• v prípade poistnej udalosti straty zamestnania ste povinný sa registrovať na príslušnom úrade práce do evidencie uchádzačov o zamestnanie, poskytovať súčinnosť úradu práce pri sprostredkovaní zamestnania a podnikať kroky na znovuzískanie zamestnania.                                        Poistenie dlžníkov zo spotrebného úveru je dobrovoľné."]
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["\n               Kedy a ako uhradím platbu? Poplatok za poistenie platíte mesačne, za každý mesiac trvania poistenia, jednou platbou spolu so splátkou úveru poskytovateľovi úveru. Splatnosť a možnosti platby sú rovnaké ako pri splátke úveru."]
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["\n               Kedy začína a končí krytie?\nKrytie začína: nultou hodinou dňa začiatku čerpania úveru.\nKrytie končí:\n• dňom splatnosti poslednej úverovej splátky alebo dňom splatenia dlhu, dňom zániku zmluvy o úvere, na ktorej úver sa poistenie vzťahuje,\n• dňom, v ktorom sa poistený dožije veku 66 rokov,\n• nezaplatením tzv. prvého poistného, ak poistné za prvé poistné obdobie nezaplatíte do 3 mesiacov odo dňa jeho splatnosti,                                           •  nezaplatením tzv. následného poistného, ak poistné  za ďalšie poistné obdobie nezaplatíte do 1 mesiaca odo dňa doručenia výzvy na jeho zaplatenie. Ak vám výzva nebola doručená do jedného mesiaca odo dňa splatnosti následného poistného, poistenie zanikne, ak následné poistné neuhradíte do 3 mesiacov odo dňa jeho splatnosti,                                                                                                                                                                       •  odstúpením poisťovateľa od zmluvy, ak pri pravdivom a úplnom zodpovedaní otázok zo strany poisteného a/alebo poistníka by poisťovateľ zmluvu neuzavrel \n• dňom smrti alebo dňom vzniku invalidity poisteného,\n• posledným dňom kalendárneho mesiaca, v ktorom poistený začne poberať starobný dôchodok,\n• odmietnutím plnenia, v prípade ak poistiteľ zistí až po poistnej udalosti, že jej príčinou bola skutočnosť, ktorú pre vedome nepravdivé alebo neúplné odpovede nemohol zistiť pri dojednávaní poistenia a ktorá bola podstatná pre uzavretie poistnej zmluvy,\n• ďalšími spôsobmi uvedenými v poistnej zmluve, v poistných podmienkach alebo spôsobmi stanovenými zákonom; a to vždy na základe tej právnej skutočnosti, ktorá nastala skôr."]
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["               \n              Ako môžem zmluvu vypovedať?\nO zrušenie poistenia môžete požiadať kedykoľvek u svojho poskytovateľa úveru. Poistenie zanikne uzavretím Dohody o ukončení poistenia medzi poisteným a poisťovateľom."]

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[null,"Informatívny prepočet možností financovania rekonštrukcie bývania od ČSOB"]
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[null,"Vážený klient,"]
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[null,"ponúkame Vám informatívny prepočet možnosti financovania bývania bez založenia nehnuteľnosti, účelovým REKO úverom."]
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[null,"Naša ponuka je pre Vás ideálnym riešením, ako vyriešiť financovanie rekonštrukcie bývania."]
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[null,"REKO úver"]
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[null,"Parametre úveru"]
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[null,"Výška úveru",null,null,null,null,null,{"$f":"RK_ziadost_vyska_uveru","v":0}]
[null,"Celková doba úveru v rokoch:",null,null,null,null,null,null,null,null,{"$f":"RK_ziadost_splatnost","v":0}]
[]
[null,"Fáza medziúveru (MU)",null,null,null,null,null,null,null,null,null,null,null,"Fáza stavebného úveru (SU)"]
[]
[null,"Splátka medziúveru ",null,null,null,null,null,{"$f":"RK_MUSU_splatka_pom+RK_poistne_MU","v":{"$error":"#N/A"}},null,null,null,null,null,"Splátka stavebného úveru",null,null,null,null,null,null,{"$f":"RK_MUSU_splatka_pom+RK_poistne_SU","v":{"$error":"#N/A"}}]
[null,"z toho: ",null,null,null,null,null,null,null,null,null,null,null,"z toho:"]
[null,"Vklad na stavebné sporenie",null,null,null,null,null,{"$f":"RK_MUSU_splatka_pom-RK_MU_splatka_uroky","v":{"$error":"#N/A"}},null,null,null,null,null,"Poistné",null,null,null,null,null,{"$f":"RK_poistne_SU","v":{"$error":"#N/A"}}]
[null,"Splátka úrokov z MÚ",null,null,null,null,null,{"$f":"RK_MU_splatka_uroky","v":{"$error":"#N/A"}},null,null,null,null,null,"Úroková sadzba p.a.",null,null,null,null,null,{"$f":"RK_sadzba_SU","v":0.05}]
[null,"Poistné",null,null,null,null,null,{"$f":"RK_poistne_MU","v":{"$error":"#N/A"}},null,null,null,null,null,"Doba SÚ v rokoch",null,null,null,null,null,null,{"$f":"RK_splatnost_SU/12","v":{"$error":"#N/A"}}]
[null,"Úroková sadzba p.a. (fix 3 r.)",null,null,null,null,null,null,{"$f":"RK_sadzba_final","v":5.5E-2}]
[null,"Doba MÚ v rokoch",null,null,null,null,null,{"$f":"RK_splatnost_MU/12","v":{"$error":"#N/A"}}]
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[null,"V prípade akýchkoľvek otázok som Vám k dispozícii. "]
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[null,{"$f":"IF(RK_ziadost_spracovanie=\"kompletné spracovanie\",CONCATENATE(\"Finančný agent: \",IF(RK_FA_titul_pred=\"\",\"\",RK_FA_titul_pred),RK_FA_meno,\" \",RK_FA_priezvisko,IF(RK_FA_titul_za=\"\",\"\",\", \"&RK_FA_titul_za),\", tel.: \",RK_FA_tel,\", e-mail: \",RK_FA_mail),CONCATENATE(\"Finančný agent: \",IF(KP_titul_pred=\"\",\"\",KP_titul_pred),KP_meno,\" \",KP_priezvisko,IF(KP_titul_za=\"\",\"\",\", \"&KP_titul_za),\", tel.: \",KP_tel,\", e-mail: \",KP_mail))","v":"Finančný agent:  , tel.: , e-mail: "}]
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[null,"Vyššie uvedený prepočet je len orientačný, nemá zaväzný charakter."]

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[null,null,null,"ŽIADOSŤ O UPLATNENIE BENEFITU A SÚHLAS S POSKYTNUTÍM INFORMÁCIÍ"]
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[null,null,null,"Meno a priezvisko klienta:",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,RK_ziadatel_meno & \" \" & RK_ziadatel_priezvisko,ziadatel_meno & \" \" & ziadatel_priezvisko)","v":" "}]
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[null,null,null,"Adresa bydliska:",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,RK_ziadatel_ulica & \" \" & RK_ziadatel_mesto & \", \" & RK_ziadatel_PSC,ziadatel_ulica & \" \" & ziadatel_mesto & \", \" & ziadatel_PSC)","v":" , "}]
[]
[null,null,null,"Rodné číslo:",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,RK_ziadatel_rc,ziadatel_RC)","v":0}]
[]
[null,null,null,"Číslo dokladu totožnosti:",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,RK_ziadatel_doklad_cislo,ziadatel_OP)","v":0}]
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[null,null,null,"Žiadam o uplatnenie benefitu od Československej obchodnej banky, a.s. so sídlom Žižkova 11, 811 02 Bratislava, IČO: 36 854 140 (ďalej len „ČSOB“) prostredníctvom ČSOB stavebnej sporiteľne, a.s.                         so sídlom Žižkova 11, 811 02 Bratislava, IČO: 35 799 200 (ďalej len „ČSOB SP“). \n\nBenefit spočíva v získaní stavebnej prémie pre plnoletého stavebného sporiteľa ČSOB SP za aktívne využívanie bežného účtu v ČSOB. Bližšie podmienky nároku stavebnej prémie a jej vyplácania upravujú Pravidlá a podmienky akcie „stavebná prémia od ČSOB“  zverejnené na www.csob.sk v časti obchodné a poistné podmienky/Ďalšie obchodné podmienky a dôležité dokumenty.\n\nPodpisom tejto žiadosti vyjadrujem súhlas s poskytnutím údajov chránených bankovým tajomstvom                              v ČSOB SP pre ČSOB na účely vyhodnocovania nároku a priznania stavebnej prémie v nasledovnom rozsahu: meno, priezvisko, rodné číslo, informácia o požiadaní benefitu stavebnej prémie, informácia o realizácii požadovaného vkladu na zmluve stavebného sporenia. Súhlas udeľujem po dobu nárokovania stavebnej prémie. \n\nVyhlasujem, že mi boli poskytnuté Pravidlá a podmienky akcie „stavebná prémia od ČSOB“.\n\nUvedený súhlas je možné kedykoľvek písomne odvolať. "]
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[null,null,null,"V",{"$f":"IF(p_REKO,RK_miesto,ziadost_miesto)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"dňa",null,{"$f":"IF(p_REKO,RK_ziadost_datum,datum_ziadosti)","v":43885.543904166669}]
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[null,null,null,null,null,null,null,null,null,"podpis klienta",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"podpis finančného agenta / zamestnanca, ktorý overil totožnosť a podpis klienta"]
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[null,null,null,"Údaje o finančnom agentovi / zamestnancovi"]
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[null,null,null,"Distribučný kanál:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(OR(p_KP_CSOB,p_akv_tip),\"KP ČSOB\",\"maklérske spoločnosti\"),IF(OR(spracovanie=list_EDS_spracovanie_KP,spracovanie=list_EDS_spracovanie_tiper),\"KP ČSOB\",\"maklérske spoločnosti\"))","v":"maklérske spoločnosti"}]
[null,null,null,"Meno a priezvisko:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(p_kompletne,RK_FA_meno & \" \" & RK_FA_priezvisko,KP_meno & \" \" & KP_priezvisko),IF(spracovanie=list_EDS_spracovanie_komplet,EDS_meno_priezvisko_ks,FA_meno_priezvisko))","v":" "}]
[null,null,null,{"$f":"IF(p_REKO,IF(p_kompletne,\"Identifikačné číslo agenta:\",\"Osobné číslo:\"),IF(spracovanie=list_EDS_spracovanie_komplet,\"Identifikačné číslo agenta:\",\"Osobné číslo:\"))","v":"Osobné číslo:"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(p_kompletne,RK_FA_id_agent,KP_osobne_cislo),IF(spracovanie=list_EDS_spracovanie_komplet,EDS_cislo_fa_ks,FA_osobne_cislo))","v":0}]
[null,null,null,"Telefónne číslo:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(p_kompletne,RK_FA_tel,KP_tel),IF(spracovanie=list_EDS_spracovanie_komplet,\"\",FA_tel))","v":0}]
[null,null,null,"E-mail:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(p_kompletne,RK_FA_mail,KP_mail),IF(spracovanie=list_EDS_spracovanie_komplet,EDS_email_ks,FA_email))","v":0}]
[null,null,null,{"$f":"IF(p_REKO,IF(p_kompletne,\"Provízne číslo:\",\"Provízne číslo pobočky:\"),IF(spracovanie=list_EDS_spracovanie_komplet,\"Provízne číslo:\",\"Provízne číslo pobočky:\"))","v":"Provízne číslo pobočky:"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(p_REKO,IF(p_kompletne,RK_FA_provcis,KP_provcis),IF(spracovanie=list_EDS_spracovanie_komplet,EDS_prov_cislo_ks,FA_prov_cislo))","v":""}]
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[]
[null,null,null,"ČSOB stavebná sporiteľňa, a.s.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"IČO: 35 799 200",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"0800 111 303"]
[null,null,null,"Žižkova 11",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Zapísaná v obchodnom registri Okresného súdu",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"csobsp@csob.sk"]
[null,null,null,"811 02 Bratislava",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bratislava I, oddiel Sa, vložka č. 2590/B",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"www.csob.sk"]

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[]
[]
[null,null,"FORMULÁR  S  INFORMÁCIAMI  K SPROSTREDKOVANIU \nSPOTREBITEĽSKÉHO ÚVERU "]
[]
[]
[]
[]
[]
[]
[null,"Názov veriteľa  "]
[null,"ČSOB stavebná sporiteľňa, a.s."]
[null,"sídlom: Žižkova 11, 811 02 Bratislava"]
[null,"IČO: 35 799 200"]
[null,"zapísaná v obchodnom registri Okresného súdu Bratislava I, oddiel Sa, vložka č.2590/B "]
[null,"bezplatná infolinka: 0800 111 303, www.csob.sk"]
[null,"Celková výška spotrebiteľského úveru ",null,null,null,null,null,null,{"$f":"RK_ziadost_vyska_uveru","v":0}]
[]
[]
[null,"Predpokladaná odmena finančného agenta pri sprostredkovaní spotrebiteľského úveru, ktorý spotrebiteľovi spotrebiteľský úver priamo sprostredkoval  ",null,null,null,null,null,null,{"$f":"provizia_spotrebitelsky*RK_ziadost_vyska_uveru","v":0}]
[]
[]
[null,"Predpokladaný percentuálny podiel odmeny finančného agenta pri sprostredkovaní spotrebiteľského úveru z celkovej výšky spotrebiteľského úveru ",null,null,null,null,null,null,{"$f":"provizia_spotrebitelsky","v":1.4999999999999999E-2}]