{
  "id": "sk/lending/splatnost-spotrebitelsky",
  "catalog": "BC-001103",
  "title": "Maximálna splatnosť spotrebiteľského (nezabezpečeného) úveru",
  "title_en": "Maximum maturity of a consumer (unsecured) loan",
  "value": 8,
  "unit": "roky",
  "period": "2026",
  "valid_from": "2020-01-01",
  "valid_to": null,
  "applies_to": "SK",
  "note": "Nezabezpečený (spotrebiteľský) úver môže mať splatnosť najviac 8 rokov (96 mesiacov). Pri úveroch so zostatkovou splatnosťou nad 8 rokov banka počíta splátku s úrokom o 2 p. b. vyšším (max 6 %) kvôli stress testu.",
  "aliases": [
    "hypoteka",
    "uver",
    "nbs",
    "limit",
    "uver na byvanie",
    "mortgage",
    "loan",
    "2026",
    "maximalna splatnost spotrebitelskeho uveru",
    "8 rokov uver",
    "spotrebny uver splatnost",
    "nezabezpeceny uver",
    "consumer loan maturity"
  ],
  "source": {
    "name": "Národná banka Slovenska — Maturity (splatnosť)",
    "url": "https://nbs.sk/en/financial-stability/fs-instruments/maturity/",
    "retrieved": "2026-06-14",
    "quote": "The maturity of an unsecured loan may not exceed eight years.",
    "published": "2020-01-01",
    "published_kind": "effective",
    "quote_en": "The maturity of an unsecured loan may not exceed eight years."
  },
  "confidence": "high",
  "status": "ok",
  "corroboration": [
    {
      "name": "Credities.com — Úverová kalkulačka 2026: Koľko si môžem požičať?",
      "url": "https://www.credities.com/uverova-kalkulacka/",
      "retrieved": "2026-06-07"
    }
  ],
  "sources_count": 2,
  "verification": {
    "is_real": true,
    "method": "cross-checked proti viacerým nezávislým zdrojom (web research 2026-06-07)",
    "checked": "2026-06-14",
    "checked_by": "botcorpus verifikácia (web research, cross-check)",
    "note": "Reálny fakt overený z viacerých nezávislých zdrojov — nie halucinácia. Re-overené 2026-06-14: auto-updater zachytil zmenu obsahu zdroja; hodnota proti aktuálnym zdrojom potvrdená nezmenená.",
    "note_en": "A real fact verified from multiple independent sources — not a hallucination."
  },
  "freshness": {
    "source_dated": "2020-01-01",
    "retrieved": "2026-06-14",
    "last_checked": "2026-06-14",
    "next_check": "2026-06-21",
    "cadence_days": 7,
    "stale": false,
    "source_hash": "f8d275e5923ebad6"
  }
}