{"id":1434,"date":"2023-08-07T13:05:41","date_gmt":"2023-08-07T11:05:41","guid":{"rendered":"https:\/\/regbu.com\/?p=1434"},"modified":"2025-09-05T07:40:13","modified_gmt":"2025-09-05T05:40:13","slug":"refinancovani-vs-konsolidace-pujcek","status":"publish","type":"post","link":"https:\/\/regbu.com\/sl\/refinanciranje-in-konsolidacija-posojil\/","title":{"rendered":"Refinanciranje in konsolidacija posojil"},"content":{"rendered":"<p>Refinanciranje je pojem, ki je tesno povezan z npr.\u00a0<strong><a href=\"https:\/\/regbu.com\/sl\/ameriska-hipotekarka-iz-klasicne-filozofije-lissa\/\">Ameri\u0161ka hipoteka<\/a><\/strong>, obi\u010dajne hipoteke, potro\u0161ni\u0161ka posojila in druge vrste posojil. Konkurent tega finan\u010dnega produkta je konsolidacija posojil. Oba imata en pomemben cilj.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Zni\u017eanje mese\u010dnih obrokov<\/li>\n\n\n\n<li>Ni\u017eje obresti<\/li>\n\n\n\n<li>Zmanj\u0161anje stro\u0161kov<\/li>\n<\/ul>\n\n\n\n<p>Vendar pa je treba vedeti, kaj so <em>razlike med obema razli\u010dicama<\/em>. Vsak od njih ima ne le druga\u010den pomen. Imajo tudi dolo\u010dene prednosti in slabosti. O tem vas bomo prepri\u010dali v naslednjih vrsticah.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kaj je refinanciranje posojila?<\/h2>\n\n\n\n<p>Ko re\u010dete <strong>refinanciranje posojil<\/strong>si lahko samo predstavljate. Poenostavljeno povedano, staro posojilo se nadomesti z novim. To bo imelo bolj\u0161e kreditne pogoje. To pomeni, da ima ni\u017ejo obrestno mero ali ponuja nekaj dodatnega. To potezo boste torej naredili z obetom, da boste prihranili denar. Hkrati lahko postane re\u0161itev, ko neugodnih dolgov ne morete odpla\u010dati.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Konsolidacija posojil in dodatne informacije<\/h3>\n\n\n\n<p>Konsolidacija v bistvu temelji na refinanciranju. Vendar se za tem izrazom skriva <strong>zdru\u017eitev ali, \u010de \u017eelite, zdru\u017eevanje.<\/strong>. Ve\u010d posojil se zdru\u017ei hkrati. Ta so dejansko nadome\u0161\u010dena z enim samim. V spodnjih vrsticah boste spoznali prednosti obeh re\u0161itev.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1691492587714\"><strong class=\"schema-faq-question\">Katere izdelke je mogo\u010de zdru\u017eiti?<\/strong> <p class=\"schema-faq-answer\">To so lahko neban\u010dna posojila, potro\u0161ni\u0161ka posojila, prekora\u010ditve stanj na ra\u010dunih in kreditne kartice.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492594135\"><strong class=\"schema-faq-question\">Ali lahko z refinanciranjem zmanj\u0161am mese\u010dno pla\u010dilo?<\/strong> <p class=\"schema-faq-answer\">Da, predvsem zaradi ugodnej\u0161e obrestne mere. Potem lahko k temu prispeva tudi podalj\u0161anje ro\u010dnosti posojila.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492600712\"><strong class=\"schema-faq-question\">Ali se konsolidacija vedno spla\u010da?<\/strong> <p class=\"schema-faq-answer\">Ni treba, da je tako. \u010ce so na primer stara posojila povezana z visokimi kaznimi za pred\u010dasno odpla\u010dilo, se jih ne spla\u010da najemati.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492609378\"><strong class=\"schema-faq-question\">Ali lahko s temi izdelki dobim dodaten denar?<\/strong> <p class=\"schema-faq-answer\">Da, tako pri konsolidaciji kot pri refinanciranju lahko pridobite dodatno financiranje. Biti morate le dovolj kreditno sposobna stranka. To pomeni, da morate novemu posojilodajalcu dokazati svojo kreditno sposobnost.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492618453\"><strong class=\"schema-faq-question\">Kateri ponudnik ponuja konsolidacijo in refinanciranje?<\/strong> <p class=\"schema-faq-answer\">Teh posojilnih produktov trenutno ne ponujajo le ban\u010dne institucije. Izkoristite lahko tudi ponudbo produktov neban\u010dnih dru\u017eb, ki imajo dovoljenje CNB.<\/p> <\/div> <\/div>","protected":false},"excerpt":{"rendered":"<p>Refinanciranje je pojem, ki je tesno povezan na primer z ameri\u0161kimi hipotekami, obi\u010dajnimi hipotekami, potro\u0161ni\u0161kimi posojili in drugimi vrstami posojil. Konkurent tega finan\u010dnega produkta je konsolidacija posojil. Oba imata en pomemben cilj. Vendar pa je bistveno, da poznate razlike med obema mo\u017enostma. Vsaka od njiju nima le druga\u010dnega pomena. Povezani sta z razli\u010dnimi vrstami posojil, ki jih je treba izvesti, in sicer z namenom, da bi ... <\/p>","protected":false},"author":2,"featured_media":1435,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[1758,1191,650,618,1756,1757,1760,1759,627,628],"class_list":["post-1434","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-konsolidace-pujcek","tag-nahrazeni","tag-pujcka","tag-pujcky","tag-refinancovani","tag-refinancovani-pujcky","tag-sjednoceni","tag-slouceni","tag-uver","tag-uvery"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek - REGBU.COM<\/title>\n<meta name=\"description\" content=\"V\u00edte, co si p\u0159edstavit pod pojmem refinancov\u00e1n\u00ed? 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V\u0161e V\u00e1m prozrad\u00edme.","og_url":"https:\/\/regbu.com\/sl\/refinanciranje-in-konsolidacija-posojil\/","og_site_name":"REGBU.COM","article_published_time":"2023-08-07T11:05:41+00:00","article_modified_time":"2025-09-05T05:40:13+00:00","og_image":[{"width":1200,"height":675,"url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","type":"image\/jpeg"}],"author":"George Martin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"George Martin","Est. reading time":"2 minuti"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/regbu.com\/sl\/refinanciranje-in-konsolidacija-posojil\/#article","isPartOf":{"@id":"https:\/\/regbu.com\/sl\/refinanciranje-in-konsolidacija-posojil\/"},"author":{"name":"George Martin","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"headline":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek","datePublished":"2023-08-07T11:05:41+00:00","dateModified":"2025-09-05T05:40:13+00:00","mainEntityOfPage":{"@id":"https:\/\/regbu.com\/sl\/refinanciranje-in-konsolidacija-posojil\/"},"wordCount":473,"image":{"@id":"https:\/\/regbu.com\/sl\/refinanciranje-in-konsolidacija-posojil\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","keywords":["konsolidace p\u016fj\u010dek","nahrazen\u00ed","p\u016fj\u010dka","p\u016fj\u010dky","refinancov\u00e1n\u00ed","refinancov\u00e1n\u00ed p\u016fj\u010dky","sjednocen\u00ed","slou\u010den\u00ed","\u00fav\u011br","\u00fav\u011bry"],"articleSection":["Finance"],"inLanguage":"sl-SI"},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/regbu.com\/sl\/refinanciranje-in-konsolidacija-posojil\/","url":"https:\/\/regbu.com\/sl\/refinanciranje-in-konsolidacija-posojil\/","name":"Refinanciranje in konsolidacija posojil - REGBU.COM","isPartOf":{"@id":"https:\/\/regbu.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/regbu.com\/sl\/refinanciranje-in-konsolidacija-posojil\/#primaryimage"},"image":{"@id":"https:\/\/regbu.com\/sl\/refinanciranje-in-konsolidacija-posojil\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","datePublished":"2023-08-07T11:05:41+00:00","dateModified":"2025-09-05T05:40:13+00:00","author":{"@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"description":"Ali veste, kaj mislite z refinanciranjem? 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Pak k tomu m\u016f\u017ee p\u0159isp\u011bt i prodlou\u017een\u00ed splatnosti p\u016fj\u010dky.","inLanguage":"sl-SI"},"inLanguage":"sl-SI"},{"@type":"Question","@id":"https:\/\/regbu.com\/sl\/refinanciranje-in-konsolidacija-posojil\/#faq-question-1691492600712","position":3,"url":"https:\/\/regbu.com\/sl\/refinanciranje-in-konsolidacija-posojil\/#faq-question-1691492600712","name":"Ali se konsolidacija vedno spla\u010da?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Nemus\u00ed tomu tak b\u00fdt. Pokud se nap\u0159\u00edklad star\u00e9 \u00fav\u011bry poj\u00ed s vysok\u00fdmi sank\u010dn\u00edmi poplatky za p\u0159ed\u010dasn\u00e9 uhrazen\u00ed, nevyplat\u00ed se.","inLanguage":"sl-SI"},"inLanguage":"sl-SI"},{"@type":"Question","@id":"https:\/\/regbu.com\/sl\/refinanciranje-in-konsolidacija-posojil\/#faq-question-1691492609378","position":4,"url":"https:\/\/regbu.com\/sl\/refinanciranje-in-konsolidacija-posojil\/#faq-question-1691492609378","name":"Ali lahko s temi izdelki dobim dodaten denar?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, jak s pomoc\u00ed konsolidace, tak refinancov\u00e1n\u00edm lze z\u00edskat finance nav\u00edc. Mus\u00edte b\u00fdt pouze dostate\u010dn\u011b bonitn\u00edm klientem. To znamen\u00e1, \u017ee nov\u00e9mu poskytovateli \u00fav\u011bru prok\u00e1\u017eete svoji \u00fav\u011bruschopnost.","inLanguage":"sl-SI"},"inLanguage":"sl-SI"},{"@type":"Question","@id":"https:\/\/regbu.com\/sl\/refinanciranje-in-konsolidacija-posojil\/#faq-question-1691492618453","position":5,"url":"https:\/\/regbu.com\/sl\/refinanciranje-in-konsolidacija-posojil\/#faq-question-1691492618453","name":"Kateri ponudnik ponuja konsolidacijo in refinanciranje?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Tyto \u00fav\u011brov\u00e9 produkty v sou\u010dasn\u00e9 dob\u011b nab\u00edz\u00ed nejenom bankovn\u00ed instituce. Vyu\u017e\u00edt m\u016f\u017eete tak\u00e9 produktov\u00fdch nab\u00eddek nebankovn\u00edch spole\u010dnost\u00ed s licenc\u00ed od \u010cNB.","inLanguage":"sl-SI"},"inLanguage":"sl-SI"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/posts\/1434","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/comments?post=1434"}],"version-history":[{"count":2,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/posts\/1434\/revisions"}],"predecessor-version":[{"id":1446,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/posts\/1434\/revisions\/1446"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/media\/1435"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/media?parent=1434"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/categories?post=1434"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/tags?post=1434"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}