{"id":115,"date":"2025-06-01T15:20:36","date_gmt":"2025-06-01T15:20:36","guid":{"rendered":"https:\/\/likapk.com\/?p=115"},"modified":"2025-06-01T15:20:38","modified_gmt":"2025-06-01T15:20:38","slug":"how-to-get-a-loan-from-jpmorgan-chase","status":"publish","type":"post","link":"https:\/\/likapk.com\/sk\/how-to-get-a-loan-from-jpmorgan-chase\/115\/","title":{"rendered":"Ako z\u00edska\u0165 p\u00f4\u017ei\u010dku od JPMorgan Chase"},"content":{"rendered":"<p>JPMorgan Chase je najv\u00e4\u010d\u0161ia banka v Spojen\u00fdch \u0161t\u00e1toch. Obsluhuje viac ako 60 mili\u00f3nov dom\u00e1cnost\u00ed a pon\u00faka \u0161irok\u00fa \u0161k\u00e1lu \u00faverov\u00fdch produktov pre osobn\u00e9 aj firemn\u00e9 pou\u017eitie.<\/p>\n\n\n\n<p>Pochopenie mo\u017enost\u00ed \u00faverov od spolo\u010dnosti Chase v\u00e1m m\u00f4\u017ee tento rok pom\u00f4c\u0165 pri lep\u0161\u00edch finan\u010dn\u00fdch rozhodnutiach.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pon\u00faka Chase osobn\u00e9 p\u00f4\u017ei\u010dky?<\/h2>\n\n\n\n<p>Chase nepon\u00faka nezabezpe\u010den\u00e9 osobn\u00e9 p\u00f4\u017ei\u010dky ako niektor\u00e9 in\u00e9 ve\u013ek\u00e9 banky. To znamen\u00e1, \u017ee o tradi\u010dn\u00fa osobn\u00fa p\u00f4\u017ei\u010dku nem\u00f4\u017eete po\u017eiada\u0165 priamo prostredn\u00edctvom ich syst\u00e9mu.<\/p>\n\n\n\n<p>V r\u00e1mci produktov\u00e9ho radu Chase s\u00fa v\u0161ak st\u00e1le k dispoz\u00edcii alternat\u00edvy, ktor\u00e9 sl\u00fa\u017eia na podobn\u00e9 \u00fa\u010dely.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Auto\u00favery Chase<\/h2>\n\n\n\n<p>Spolo\u010dnos\u0165 Chase poskytuje financovanie nov\u00fdch aj ojazden\u00fdch vozidiel. \u017diados\u0165 m\u00f4\u017eete z\u00edska\u0165 prostredn\u00edctvom ich webovej str\u00e1nky alebo priamo u z\u00fa\u010dastnen\u00fdch predajcov, ktor\u00ed s\u00fa partnermi spolo\u010dnosti Chase Auto.<\/p>\n\n\n\n<p>Doba spl\u00e1cania \u00faveru sa zvy\u010dajne pohybuje od 36 do 72 mesiacov s fixnou \u00farokovou sadzbou.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ako sa kvalifikova\u0165 na auto\u00faver Chase<\/h2>\n\n\n\n<p>Na z\u00edskanie \u00faveru budete potrebova\u0165 siln\u00fd \u00faverov\u00fd profil a doklad o pr\u00edjme. V\u00e4\u010d\u0161ina schv\u00e1len\u00ed sa ude\u013euje dl\u017en\u00edkom s \u00faverov\u00fdm sk\u00f3re nad 680.<\/p>\n\n\n\n<p>Pou\u017e\u00edvanie online n\u00e1stroja na predkvalifik\u00e1ciu od spolo\u010dnosti Chase v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165 odhadn\u00fa\u0165 va\u0161u sadzbu bez ovplyvnenia v\u00e1\u0161ho kreditn\u00e9ho sk\u00f3re.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">P\u00f4\u017ei\u010dky Chase viazan\u00e9 na kreditn\u00e9 karty<\/h2>\n\n\n\n<p>Ak m\u00e1te kreditn\u00fa kartu Chase, m\u00f4\u017eete ma\u0165 n\u00e1rok na \u0161peci\u00e1lne mo\u017enosti \u00faveru, ako napr\u00edklad <strong>Moja p\u00f4\u017ei\u010dka Chase\u00ae<\/strong>. T\u00e1to funkcia v\u00e1m umo\u017e\u0148uje po\u017ei\u010diava\u0165 si z v\u00e1\u0161ho existuj\u00faceho \u00faverov\u00e9ho limitu s fixn\u00fdmi spl\u00e1tkami.<\/p>\n\n\n\n<p>Je to r\u00fdchle a flexibiln\u00e9 rie\u0161enie pre mal\u00e9 \u00faverov\u00e9 potreby.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u010co je to moja p\u00f4\u017ei\u010dka Chase\u00ae?<\/h2>\n\n\n\n<p>T\u00e1to slu\u017eba v\u00e1m umo\u017e\u0148uje previes\u0165 \u010das\u0165 v\u00e1\u0161ho dostupn\u00e9ho \u00faveru na \u0161trukt\u00farovan\u00fd \u00faver. Spl\u00e1ca\u0165 ho budete po\u010das stanoven\u00e9ho obdobia s fixnou \u00farokovou sadzbou.<\/p>\n\n\n\n<p>Na rozdiel od osobnej p\u00f4\u017ei\u010dky nemus\u00edte \u017eiada\u0165 ani predklada\u0165 dokumenty \u2013 aktivuje sa z ovl\u00e1dacieho panela va\u0161ej karty.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00daverov\u00e1 linka na b\u00fdvanie (HELOC)<\/h2>\n\n\n\n<p>Spolo\u010dnos\u0165 Chase pon\u00faka HELOC \u00favery pre majite\u013eov domov, ktor\u00ed chc\u00fa z\u00edska\u0165 pr\u00edstup k finan\u010dn\u00fdm prostriedkom na z\u00e1klade vlastn\u00e9ho kapit\u00e1lu svojho domu. T\u00e1to \u00faverov\u00e1 linka funguje ako kreditn\u00e1 karta s flexibiln\u00fdmi limitmi \u00faverov.<\/p>\n\n\n\n<p>HELOC s\u00fa ob\u013e\u00fabenou n\u00e1hradou za ve\u013ek\u00e9 osobn\u00e9 p\u00f4\u017ei\u010dky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Zmluvn\u00e9 podmienky HELOC<\/h2>\n\n\n\n<p>\u00davery Chase HELOC maj\u00fa variabiln\u00e9 \u00farokov\u00e9 sadzby. Po\u010das obdobia \u010derpania, ktor\u00e9 zvy\u010dajne trv\u00e1 10 rokov, si m\u00f4\u017eete po\u017ei\u010da\u0165, splati\u0165 a znova po\u017ei\u010da\u0165.<\/p>\n\n\n\n<p>Existuj\u00fa minim\u00e1lne po\u017eiadavky na \u010derpanie a v niektor\u00fdch pr\u00edpadoch sa m\u00f4\u017eu \u00fa\u010dtova\u0165 poplatky za uzavretie zmluvy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Podnikate\u013esk\u00e9 \u00favery Chase<\/h2>\n\n\n\n<p>Pre majite\u013eov firiem pon\u00faka Chase nieko\u013eko \u00faverov\u00fdch rie\u0161en\u00ed. Patria sem podnikate\u013esk\u00e9 \u00faverov\u00e9 linky, komer\u010dn\u00e9 term\u00ednovan\u00e9 \u00favery a financovanie kryt\u00e9 SBA.<\/p>\n\n\n\n<p>Budete musie\u0165 sp\u013a\u0148a\u0165 \u0161pecifick\u00e9 po\u017eiadavky v z\u00e1vislosti od ve\u013ekosti va\u0161ej firmy, pr\u00edjmov a \u00faverov\u00e9ho profilu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kto m\u00f4\u017ee po\u017eiada\u0165 o podnikate\u013esk\u00e9 p\u00f4\u017ei\u010dky Chase?<\/h2>\n\n\n\n<p>Spolo\u010dnos\u0165 Chase zvy\u010dajne spolupracuje so zaveden\u00fdmi podnikmi. Po\u017eadovan\u00e1 dokument\u00e1cia zah\u0155\u0148a obchodn\u00e9 licencie, da\u0148ov\u00e9 priznania a finan\u010dn\u00e9 v\u00fdkazy.<\/p>\n\n\n\n<p>Startupy bez pr\u00edjmov m\u00f4\u017eu ma\u0165 \u0165a\u017e\u0161ie schv\u00e1lenie.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ako po\u017eiada\u0165 o p\u00f4\u017ei\u010dku Chase<\/h2>\n\n\n\n<p>\u017diadosti o auto\u00favery a HELOC je mo\u017en\u00e9 poda\u0165 online. Budete musie\u0165 zada\u0165 svoje osobn\u00e9 \u00fadaje, \u00fadaje o pr\u00edjme a \u010d\u00edslo soci\u00e1lneho zabezpe\u010denia.<\/p>\n\n\n\n<p>V pr\u00edpade podnikate\u013esk\u00fdch \u00faverov Chase uprednost\u0148uje osobn\u00e9 konzult\u00e1cie alebo priamu komunik\u00e1ciu s bank\u00e1rom.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Po\u017eadovan\u00e1 dokument\u00e1cia<\/h2>\n\n\n\n<p>Medzi be\u017ene potrebn\u00e9 dokumenty patria:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Preukaz toto\u017enosti vydan\u00fd vl\u00e1dou<\/li>\n\n\n\n<li>Doklad o pr\u00edjme (v\u00fdplatn\u00e9 p\u00e1sky alebo da\u0148ov\u00e9 priznania)<\/li>\n\n\n\n<li>Inform\u00e1cie o hypot\u00e9ke alebo nehnute\u013enosti pre HELOC<\/li>\n\n\n\n<li>Registr\u00e1cia firmy, ak sa uch\u00e1dzate o komer\u010dn\u00e9 \u00fa\u010dely<\/li>\n<\/ul>\n\n\n\n<p>Ch\u00fdbaj\u00face dokumenty m\u00f4\u017eu spomali\u0165 proces schva\u013eovania.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u010casov\u00fd r\u00e1mec financovania<\/h2>\n\n\n\n<p>Financovanie auto\u00faveru zvy\u010dajne trv\u00e1 1 \u2013 3 pracovn\u00e9 dni. Financovanie HELOC m\u00f4\u017ee trva\u0165 nieko\u013eko t\u00fd\u017ed\u0148ov z d\u00f4vodu ohodnotenia nehnute\u013enosti a pr\u00e1vneho presk\u00famania.<\/p>\n\n\n\n<p>Finan\u010dn\u00e9 prostriedky z programu My Chase Loan\u00ae s\u00fa zvy\u010dajne k dispoz\u00edcii opr\u00e1vnen\u00fdm dr\u017eite\u013eom kreditn\u00fdch kariet do 24 hod\u00edn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00darokov\u00e9 sadzby Chase<\/h2>\n\n\n\n<p>\u00darokov\u00e9 sadzby sa l\u00ed\u0161ia v z\u00e1vislosti od produktu. Auto\u00favery za\u010d\u00ednaj\u00fa pribli\u017ene <strong>6.39% RPSN<\/strong>. HELOC maj\u00fa variabiln\u00e9 RPSN za\u010d\u00ednaj\u00face bl\u00edzko <strong>8.50%<\/strong>, v z\u00e1vislosti od \u00faverovej bonity a hodnoty nehnute\u013enosti.<\/p>\n\n\n\n<p>\u00darokov\u00e9 sadzby mojej p\u00f4\u017ei\u010dky Chase\u00ae s\u00fa vo v\u0161eobecnosti vy\u0161\u0161ie, \u010dasto okolo <strong>15% \u2013 20% RPSN<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Predkvalifik\u00e1cia v Chase<\/h2>\n\n\n\n<p>Chase umo\u017e\u0148uje predkvalifik\u00e1ciu na auto\u00favery prostredn\u00edctvom m\u00e4kk\u00e9ho overenia \u00faverovej hist\u00f3rie. Tento n\u00e1stroj zobrazuje odhadovan\u00fa ro\u010dn\u00fa percentu\u00e1lnu sadzbu (RPSN), dobu splatnosti \u00faveru a v\u00fd\u0161ku spl\u00e1tky bez toho, aby po\u0161kodil v\u00e1\u0161 \u00faverov\u00fd rating.<\/p>\n\n\n\n<p>Je to u\u017eito\u010dn\u00e9 na porovn\u00e1vanie pon\u00fak alebo na zostavenie rozpo\u010dtu vopred.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">V\u00fdhody p\u00f4\u017ei\u010dky od Chase<\/h2>\n\n\n\n<p>Po\u017ei\u010diavanie si od Chase znamen\u00e1 spolupr\u00e1cu s jednou z najbezpe\u010dnej\u0161\u00edch b\u00e1nk v krajine. Z\u00edskate tie\u017e pr\u00edstup k ich digit\u00e1lnym n\u00e1strojom a z\u00e1kazn\u00edckej podpore 24 hod\u00edn denne, 7 dn\u00ed v t\u00fd\u017edni.<\/p>\n\n\n\n<p>Majitelia \u00fa\u010dtov m\u00f4\u017eu z\u00edska\u0165 lep\u0161ie podmienky \u00faveru alebo zn\u00ed\u017een\u00e9 poplatky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Rizik\u00e1 a obmedzenia<\/h2>\n\n\n\n<p>Najv\u00e4\u010d\u0161\u00edm obmedzen\u00edm je absencia nezabezpe\u010den\u00fdch osobn\u00fdch p\u00f4\u017ei\u010diek. Ak potrebujete tento typ \u00faveru, Chase nemus\u00ed by\u0165 pre v\u00e1s tou najlep\u0161ou vo\u013ebou.<\/p>\n\n\n\n<p>P\u00f4\u017ei\u010dky viazan\u00e9 na kreditn\u00e9 karty m\u00f4\u017eu ma\u0165 aj vy\u0161\u0161ie RPSN ako tradi\u010dn\u00ed veritelia.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Alternat\u00edvy mimo Chase<\/h2>\n\n\n\n<p>Ak potrebujete osobn\u00fa p\u00f4\u017ei\u010dku, zv\u00e1\u017ete verite\u013eov ako napr\u00edklad <strong>SoFi<\/strong>, <strong>Marcus od Goldman Sachs<\/strong>, alebo <strong>LightStream<\/strong>. Tieto spolo\u010dnosti pon\u00fakaj\u00fa konkurencieschopn\u00e9 osobn\u00e9 p\u00f4\u017ei\u010dky s pevnou \u00farokovou sadzbou a r\u00fdchlym financovan\u00edm.<\/p>\n\n\n\n<p>Predt\u00fdm, ako sa zavia\u017eete, si v\u017edy porovnajte ponuky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Zlep\u0161enie va\u0161ich \u0161anc\u00ed na schv\u00e1lenie<\/h2>\n\n\n\n<p>Pre zlep\u0161enie svojich \u0161anc\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Udr\u017eujte si kreditn\u00e9 sk\u00f3re nad 700<\/li>\n\n\n\n<li>Zn\u00ed\u017ete existuj\u00faci dlh<\/li>\n\n\n\n<li>Udr\u017eiavajte si st\u00e1ly pr\u00edjem<\/li>\n\n\n\n<li>Po\u017eiadajte o produkty, ktor\u00e9 zodpovedaj\u00fa v\u00e1\u0161mu finan\u010dn\u00e9mu profilu<\/li>\n<\/ul>\n\n\n\n<p>Dobr\u00e1 pr\u00edprava vedie k lep\u0161\u00edm v\u00fdsledkom schva\u013eovania a ni\u017e\u0161\u00edm \u00farokov\u00fdm sadzb\u00e1m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Je Chase dobrou vo\u013ebou pre p\u00f4\u017ei\u010dky?<\/h2>\n\n\n\n<p>Ak potrebujete p\u00f4\u017ei\u010dku na auto, HELOC alebo financovanie podnikania, Chase je vynikaj\u00facou vo\u013ebou. Kombinuje digit\u00e1lne pohodlie s in\u0161titucion\u00e1lnou bezpe\u010dnos\u0165ou.<\/p>\n\n\n\n<p>V pr\u00edpade nezabezpe\u010den\u00fdch osobn\u00fdch p\u00f4\u017ei\u010diek v\u0161ak budete musie\u0165 h\u013eada\u0165 inde.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Z\u00e1vere\u010dn\u00e9 my\u0161lienky<\/h2>\n\n\n\n<p>JPMorgan Chase nepon\u00faka v\u0161etky typy \u00faverov, ale produkty, ktor\u00e9 poskytuje, s\u00fa \u00fa\u010dinn\u00e9. So spr\u00e1vnym \u00faverov\u00fdm ratingom a pl\u00e1novan\u00edm dok\u00e1\u017ee Chase uspokoji\u0165 \u0161irok\u00fa \u0161k\u00e1lu potrieb v oblasti \u00faverov.<\/p>\n\n\n\n<p>Pochopenie mo\u017enost\u00ed pred podan\u00edm \u017eiadosti v\u00e1m pom\u00f4\u017ee zabezpe\u010di\u0165, aby ste z\u00edskali najlep\u0161iu mo\u017en\u00fa ponuku.<\/p>","protected":false},"excerpt":{"rendered":"<p>JPMorgan Chase is the largest bank in the United States. It serves over 60 million households and offers a wide [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":67,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[9],"tags":[],"class_list":["post-115","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"_links":{"self":[{"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/posts\/115","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/comments?post=115"}],"version-history":[{"count":1,"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/posts\/115\/revisions"}],"predecessor-version":[{"id":116,"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/posts\/115\/revisions\/116"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/media\/67"}],"wp:attachment":[{"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/media?parent=115"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/categories?post=115"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/tags?post=115"}],"curies":[{"name":"pracovn\u00fd list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}