2016-01-13

Jak zwiększyć zdolność kredytową?

Jak zwiększyć zdolność kredytową? Doradcy kredytowi z Metrohouse przypominają o kilku podstawowych zasadach.

Już w grudniu ubiegłego roku po informacji o wprowadzeniu podatku bankowego pierwsze banki zdecydowały o podwyższeniu marż kredytów hipotecznych. Dotychczas dość przystępny sposób pozyskiwania finansowania staje się coraz droższy, ale i trudniej dostępny. Warto więc sprawdzić, jak zwiększyć swoją zdolność kredytową, by uzyskać kredyt o takiej wysokości, o jaką będziemy wnioskować.

Zrezygnuj z kart kredytowych

Karty debetowe i kredytowe są w portfelach milionów Polaków. Warto jednak wiedzieć, że wysokie oprocentowanie kredytu na karcie skutkuje znaczącym zmniejszeniem zdolności kredytowej. Jeżeli właścicielami takich kart są obie osoby starające się o kredyt, może to nawet pokrzyżować plany związane z zakupem mieszkania. Warto dokładnie przemyśleć pokusę korzystania z debetu. To znacznie poprawi naszą sytuację na rynku kredytów.

Spłać małe kredyty ratalne

Na zdolność kredytową wpływają wszelkie zobowiązania kredytowe, nawet gdy jest to „tylko” kredyt gotówkowy na zakup telewizora, czy pożyczka na wakacyjny wyjazd. Nawet najmniejsza pożyczka/kredyt mogą skutkować obniżeniem zdolności kredytowej. Jeśli z tytułu takich kredytów płacisz miesięcznie kilkaset złotych rat, może to skutkować obniżeniem zdolności o kilkadziesiąt tysięcy złotych. Jeśli balansujesz na granicy zdolności kredytowej, warto pozbyć się tego balastu.

Konsolidacja zobowiązań gotówkowych, gdy spłata jest niemożliwa

W sytuacji, kiedy nie posiadasz odpowiednich środków na jednorazową spłatę drobnych zobowiązań kredytowych, pomyśl o ich konsolidacji. To dobre rozwiązanie, aby obniżyć wartość comiesięcznych rat i wykazać się przed bankiem większą wiarygodnością kredytową. Rynek oferuje wiele możliwości dokonania konsolidacji. Wydłużając czas spłaty kredytu i uzyskując korzystniejsze warunki spłaty możesz znacząco zwiększyć swoją zdolność kredytową.

Znajdź kogoś, kto może wziąć kredyt razem z tobą

Nie zawsze twoje miesięczne dochody będą podstawą do udzielenia pozytywnej decyzji o kredycie. Dlatego warto zastanowić się nad znalezieniem osoby, która wraz z tobą zaciągnie zobowiązanie. Nie zawsze musi to być partner lub współmałżonek, ale np. rodzice (o ile ich wiek na to pozwala). Wasze wspólne dochody będą wyższe, przez co będzie można liczyć na wyższą zdolność do kredytu.

Wybierz raty równe

Raty równe kredytu są na początku spłaty kredytu znacznie niższe niż raty malejące. Comiesięczna niższa rata kredytu powoduje, że Twoje zobowiązania kredytowe mogą być o kilkaset złotych mniejsze.

Wydłuż okres kredytowania

Jeżeli wiek kredytobiorcy na to pozwala warto wnioskować o możliwie długi okres spłaty kredytu. Dzięki temu można także zmniejszyć comiesięczne obciążenia kredytowe, a co za tym idzie poprawić wyliczoną przez bank zdolność.

Zmień pracę

Najlepszym patentem na poprawę swojej zdolności jest znalezienie lepiej płatnej pracy! Należy jednak pamiętać, że zaraz po zmianie pracy bank może odmówić udzielenia kredytu. Karencja wynosi zwykle minimum 3 miesiące. Prowadząc działalność gospodarczą o kredyt możesz się starać zazwyczaj nie wcześniej niż po 12 miesiącach od założenia firmy.

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Nasi klienci powiedzieli

,,Bardzo dziękujemy Pani Annie Boruckiej za piękny dom i bardzo miłą transakcję. Nasza radość jest podobna do radości naszej córki, która nigdy wcześniej nie była tak ekspresyjna: https://www.youtube.com/watch?v=jzLA-04NAbs"

— Natalia N., Warszawa

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0.00026	7	getArrayAssoc	SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE m.visible = 1 AND m.parent_id="158" ORDER BY m.weight ASC
0.00020	0	getArrayAssoc	SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "160" AND m.visible=1 ORDER BY m.weight ASC
0.00019	0	getArrayAssoc	SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "117" AND m.visible=1 ORDER BY m.weight ASC
0.00021	0	getArrayAssoc	SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "172" AND m.visible=1 ORDER BY m.weight ASC
0.00019	0	getArrayAssoc	SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "135" AND m.visible=1 ORDER BY m.weight ASC
0.00019	0	getArrayAssoc	SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "136" AND m.visible=1 ORDER BY m.weight ASC
0.00018	0	getArrayAssoc	SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "159" AND m.visible=1 ORDER BY m.weight ASC
0.00018	0	getArrayAssoc	SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "161" AND m.visible=1 ORDER BY m.weight ASC
0.00021	3	getArrayAssoc	SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE m.visible = 1 AND m.parent_id="162" ORDER BY m.weight ASC
0.00019	0	getArrayAssoc	SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "107" AND m.visible=1 ORDER BY m.weight ASC
0.00018	0	getArrayAssoc	SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "112" AND m.visible=1 ORDER BY m.weight ASC
0.00018	0	getArrayAssoc	SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "163" AND m.visible=1 ORDER BY m.weight ASC
0.00022	3	getArrayAssoc	SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE m.visible = 1 AND m.parent_id="164" ORDER BY m.weight ASC
0.00019	0	getArrayAssoc	SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "165" AND m.visible=1 ORDER BY m.weight ASC
0.00018	0	getArrayAssoc	SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "166" AND m.visible=1 ORDER BY m.weight ASC
0.00022	0	getArrayAssoc	SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "167" AND m.visible=1 ORDER BY m.weight ASC
0.00007	14	getList	SELECT * FROM dynamic_text
0.00018	10	getArrayAssoc	SELECT * FROM banner WHERE banner_categories_id = '1' AND languages_id='5' AND ((publish_from IS NULL AND publish_till IS NULL) OR (publish_from <= NOW() AND publish_till IS NULL) OR (publish_till >= NOW() AND publish_from IS NULL) OR (NOW() between publish_from and publish_till)) AND published = 1 ORDER BY priority DESC
0.00035	1	getArrayAssoc	SELECT * FROM velemenyek WHERE visible = 1 AND language='5' AND tipus=1 ORDER BY rand() LIMIT 0,1
0.00007	1	getList	SELECT * FROM module_enabler
0.00964	2051	getList	SELECT * FROM sys_picklist_values_all WHERE language_id="5"
0.00049	1	getRow	SELECT * FROM blog WHERE id="207" LIMIT 0,1
0.00021	14	getList	SELECT * FROM dynamic_text

Q.Time(s)

Aff. Rows

Run

Query

0.00009

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00007

Run

SET sql_mode = ''

0.00031

getRow

SELECT url, active FROM routes WHERE alias='blog-jak-zwiekszyc-zdolnosc-kredytowa' OR alias='/blog-jak-zwiekszyc-zdolnosc-kredytowa' LIMIT 0,1

0.00012

getList

SELECT id, code FROM languages WHERE active = '1' AND site = 'frontend' ORDER BY default_lang DESC

0.00004

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00005

Run

SET sql_mode = ''

0.00027

getList

SELECT * FROM dh_url_parameters WHERE field="sale_or_rent"

0.00009

getArrayAssoc

SELECT id,url FROM search_element_values WHERE element_id='1'

0.00009

getArrayAssoc

SELECT url FROM search_element_lang WHERE element_id='1' AND type='value'

0.00009

getArrayAssoc

SELECT url FROM search_element_lang WHERE element_id='2' AND type='value'

0.00007

getField

SELECT lang FROM search_element_lang WHERE url='for-sale' AND type='value' LIMIT 0,1

0.00003

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00003

Run

SET sql_mode = ''

0.00012

getField

SELECT id FROM languages WHERE active=1 AND code='en' AND site='frontend' ORDER BY name LIMIT 0,1

0.00011

getField

SELECT lang FROM search_element_lang WHERE url='zu-verkaufen' AND type='value' LIMIT 0,1

0.00004

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00006

Run

SET sql_mode = ''

0.00016

getField

SELECT id FROM languages WHERE active=1 AND code='de' AND site='frontend' ORDER BY name LIMIT 0,1

0.00009

getField

SELECT lang FROM search_element_lang WHERE url='for-rent' AND type='value' LIMIT 0,1

0.00003

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00003

Run

SET sql_mode = ''

0.00010

getField

SELECT id FROM languages WHERE active=1 AND code='en' AND site='frontend' ORDER BY name LIMIT 0,1

0.00009

getField

SELECT lang FROM search_element_lang WHERE url='zu-vermieten' AND type='value' LIMIT 0,1

0.00004

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00004

Run

SET sql_mode = ''

0.00011

getField

SELECT id FROM languages WHERE active=1 AND code='de' AND site='frontend' ORDER BY name LIMIT 0,1

0.00237

359

getArrayAssoc

SELECT alias FROM routes WHERE (url LIKE '%module/blog/%' OR url LIKE '%module/blog') AND (url LIKE '%site/%' OR url NOT LIKE '%site/%')

0.00011

getField

SELECT url FROM search_langs WHERE defaultValue='1' LIMIT 0,1

0.00009

getArrayAssoc

SELECT id,url,valueName FROM search_elements WHERE status IS NULL ORDER BY 'order' ASC

0.00007

getList

SELECT id,url FROM search_langs

0.00008

getArrayAssoc

SELECT id,url,query_value FROM search_element_values WHERE element_id='1'

0.00012

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='1' AND lang='en'

0.00007

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='1' AND lang='de'

0.00007

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='2' AND lang='en'

0.00007

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='2' AND lang='de'

0.00006

getArrayAssoc

SELECT id,url,query_value FROM search_element_values WHERE element_id='2'

0.00008

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='3' AND lang='en'

0.00008

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='3' AND lang='de'

0.00008

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='4' AND lang='en'

0.00008

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='4' AND lang='de'

0.00009

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='5' AND lang='en'

0.00008

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='5' AND lang='de'

0.00007

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='6' AND lang='en'

0.00007

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='6' AND lang='de'

0.00006

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='7' AND lang='en'

0.00006

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='7' AND lang='de'

0.00006

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='8' AND lang='en'

0.00006

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='8' AND lang='de'

0.00006

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='9' AND lang='en'

0.00006

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='9' AND lang='de'

0.00007

getArrayAssoc

SELECT id,url,query_value FROM search_element_values WHERE element_id='1'

0.00010

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='1' AND lang='en'

0.00008

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='1' AND lang='de'

0.00007

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='2' AND lang='en'

0.00007

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='2' AND lang='de'

0.00007

getArrayAssoc

SELECT id,url,query_value FROM search_element_values WHERE element_id='2'

0.00007

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='3' AND lang='en'

0.00007

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='3' AND lang='de'

0.00007

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='4' AND lang='en'

0.00008

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='4' AND lang='de'

0.00010

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='5' AND lang='en'

0.00007

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='5' AND lang='de'

0.00007

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='6' AND lang='en'

0.00007

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='6' AND lang='de'

0.00008

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='7' AND lang='en'

0.00012

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='7' AND lang='de'

0.00009

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='8' AND lang='en'

0.00009

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='8' AND lang='de'

0.00009

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='9' AND lang='en'

0.00009

getArrayAssoc

SELECT id,lang,url FROM search_element_lang WHERE type='value' AND element_id='9' AND lang='de'

0.00004

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00005

Run

SET sql_mode = ''

0.00034

332

getList

SELECT CONCAT(field,"##",value,"##",language) as id , url FROM dh_url_parameters

0.00003

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00003

Run

SET sql_mode = ''

0.00035

332

getArrayAssoc

SELECT * , CONCAT(field,"##",value,"##",language) as id FROM dh_url_parameters

0.00003

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00004

Run

SET sql_mode = ''

0.00014

getList

SELECT CONCAT(compliler,"##",other_param,"##",language) as id , search_text FROM dh_url_search_text

0.00009

getArrayAssoc

SELECT id,url FROM search_element_values WHERE element_id='1'

0.00008

getArrayAssoc

SELECT url FROM search_element_lang WHERE element_id='1' AND type='value'

0.00007

getArrayAssoc

SELECT url FROM search_element_lang WHERE element_id='2' AND type='value'

0.00007

getField

SELECT lang FROM search_element_lang WHERE url='for-sale' AND type='value' LIMIT 0,1

0.00003

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00005

Run

SET sql_mode = ''

0.00013

getField

SELECT id FROM languages WHERE active=1 AND code='en' AND site='frontend' ORDER BY name LIMIT 0,1

0.00007

getField

SELECT lang FROM search_element_lang WHERE url='zu-verkaufen' AND type='value' LIMIT 0,1

0.00003

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00005

Run

SET sql_mode = ''

0.00010

getField

SELECT id FROM languages WHERE active=1 AND code='de' AND site='frontend' ORDER BY name LIMIT 0,1

0.00007

getField

SELECT lang FROM search_element_lang WHERE url='for-rent' AND type='value' LIMIT 0,1

0.00003

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00004

Run

SET sql_mode = ''

0.00010

getField

SELECT id FROM languages WHERE active=1 AND code='en' AND site='frontend' ORDER BY name LIMIT 0,1

0.00007

getField

SELECT lang FROM search_element_lang WHERE url='zu-vermieten' AND type='value' LIMIT 0,1

0.00003

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00008

Run

SET sql_mode = ''

0.00010

getField

SELECT id FROM languages WHERE active=1 AND code='de' AND site='frontend' ORDER BY name LIMIT 0,1

0.00003

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00003

Run

SET sql_mode = ''

0.00011

getList

SELECT * FROM languages WHERE active=1 ORDER BY name

0.00003

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00004

Run

SET sql_mode = ''

0.00009

getField

SELECT id FROM languages WHERE active=1 AND site="frontend" AND default_lang="1" LIMIT 0,1

0.00003

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00004

Run

SET sql_mode = ''

0.00641

617

getArrayAssoc

SELECT MD5(TRIM(lw.text)) as md5 , li.word_id, TRIM(li.text) as text FROM _language_items_view as li LEFT JOIN _language_words_view as lw ON lw.word_id=li.word_id AND lw.language_id='2' WHERE ((li.site='' AND li.module='') OR (li.site='frontend' AND li.module='') OR (li.site='frontend' AND li.module='blog')) AND li.mode='1' AND li.language_id='5'

0.00016

getArrayAssoc

SELECT * FROM languages WHERE active = 1 AND site = 'frontend' AND id != '5' ORDER BY default_lang DESC,name

0.00008

getRow

SELECT * FROM languages WHERE id = '5' LIMIT 0,1

0.00039

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id WHERE true AND menus.position=1 AND menus.languages_id="5" AND m.visible=1 AND m.parent_id = 0 ORDER BY m.weight ASC

0.00031

getArrayAssoc

SELECT menus.languages_id , menus.position, m.id, r.url, r.alias, m.openin, m.link_module, m.link_mode, m.protect, m.parent_id, m.visible, m.name, m.link, m.link_prefix, m.menu_image, m.menu_link, r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.visible=1 AND m.parent_id = 0 ORDER BY m.weight ASC

0.00028

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE m.visible = 1 AND m.parent_id="154" ORDER BY m.weight ASC

0.00020

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "155" AND m.visible=1 ORDER BY m.weight ASC

0.00019

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "105" AND m.visible=1 ORDER BY m.weight ASC

0.00019

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "173" AND m.visible=1 ORDER BY m.weight ASC

0.00019

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "144" AND m.visible=1 ORDER BY m.weight ASC

0.00019

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "111" AND m.visible=1 ORDER BY m.weight ASC

0.00021

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "156" AND m.visible=1 ORDER BY m.weight ASC

0.00021

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "157" AND m.visible=1 ORDER BY m.weight ASC

0.00026

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE m.visible = 1 AND m.parent_id="158" ORDER BY m.weight ASC

0.00020

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "160" AND m.visible=1 ORDER BY m.weight ASC

0.00019

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "117" AND m.visible=1 ORDER BY m.weight ASC

0.00021

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "172" AND m.visible=1 ORDER BY m.weight ASC

0.00019

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "135" AND m.visible=1 ORDER BY m.weight ASC

0.00019

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "136" AND m.visible=1 ORDER BY m.weight ASC

0.00018

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "159" AND m.visible=1 ORDER BY m.weight ASC

0.00018

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "161" AND m.visible=1 ORDER BY m.weight ASC

0.00021

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE m.visible = 1 AND m.parent_id="162" ORDER BY m.weight ASC

0.00019

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "107" AND m.visible=1 ORDER BY m.weight ASC

0.00018

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "112" AND m.visible=1 ORDER BY m.weight ASC

0.00018

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "163" AND m.visible=1 ORDER BY m.weight ASC

0.00022

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE m.visible = 1 AND m.parent_id="164" ORDER BY m.weight ASC

0.00019

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "165" AND m.visible=1 ORDER BY m.weight ASC

0.00018

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "166" AND m.visible=1 ORDER BY m.weight ASC

0.00022

getArrayAssoc

SELECT menus.languages_id , menus.position,m.id,r.url,r.alias,m.openin,m.link_module,m.link_mode,m.protect, m.parent_id,m.visible,m.name,m.link,m.link_prefix,r2.alias as article_alias FROM menu_items as m LEFT JOIN routes as r ON r.id = m.route_id LEFT JOIN article as a ON m.article = a.id LEFT JOIN routes as r2 ON r2.id = a.route_id LEFT JOIN menus as menus ON menus.id = m.menu_id WHERE true AND menus.position=2 AND menus.languages_id="5" AND m.parent_id = "167" AND m.visible=1 ORDER BY m.weight ASC

0.00007

getList

SELECT * FROM dynamic_text

0.00018

getArrayAssoc

SELECT * FROM banner WHERE banner_categories_id = '1' AND languages_id='5' AND ((publish_from IS NULL AND publish_till IS NULL) OR (publish_from <= NOW() AND publish_till IS NULL) OR (publish_till >= NOW() AND publish_from IS NULL) OR (NOW() between publish_from and publish_till)) AND published = 1 ORDER BY priority DESC

0.00035

getArrayAssoc

SELECT * FROM velemenyek WHERE visible = 1 AND language='5' AND tipus=1 ORDER BY rand() LIMIT 0,1

0.00007

getList

SELECT * FROM module_enabler

0.00964

2051

getList

SELECT * FROM sys_picklist_values_all WHERE language_id="5"

0.00049

getRow

SELECT * FROM blog WHERE id="207" LIMIT 0,1

0.00021

getList

SELECT * FROM dynamic_text

Array ( [core_data] => Array ( [config] => Array ( [core_config] => Array ( [version] => 1.0 [less] => 0 [dirs] => Array ( [bigcore] => bigcore ) [email] => Array ( [enable_developer_mode] => 1 [developer_address] => wwwformularze@metrohouse.pl [from_name] => Metrohouse.pl [from_email] => crm@metrohouse.pl ) [database] => Array ( [host] => localhost [user] => metro_production_devuser [pass] => nPsm7cEFGq9fGCb2BYhJSQ5N [database] => mh [charset] => UTF8 [collation] => utf8_general_ci ) [memcached] => Array ( [host] => localhost [port] => 11211 [enable] => 0 [flush] => 1 ) [authantication] => Array ( [bigcore_hash] => 6bb8a2147d1550d56cc24e7cd577b043 ) [default_site] => frontend [loader_load_prefix] => ../../ [error] => Array ( [enable_error_handler] => 1 [show_apache_error_handler] => 0 [error_handler_level] => E_ALL [show_bigcore_error_handler] => 0 ) [devbar] => Array ( [enable_devel_bar] => 1 [show_devel_bar] => 1 ) [log] => Array ( [error_log] => Array ( [enable] => 0 [filename] => files/log/error.log [sizelimit] => 20971520 ) [debug_log] => Array ( [enable] => 0 [filename] => files/log/debug.log [sizelimit] => 20971520 ) [mysql_log] => Array ( [enable] => 0 [onlyerror] => 1 [filename] => files/log/mysql.log [sizelimit] => 20971520 ) [slowquery_log] => Array ( [limit] => 0 [enable] => 1 [filename] => files/log/slow_query.log [sizelimit] => 20971520 ) ) [debug] => Array ( [enable] => 1 ) [form] => Array ( [after_text] => : [radiobox] => Array ( [radiobox_pattern] =>

##input####label##

) [checkbox] => Array ( [checkbox_pattern] =>

##input####label##

Name

Time(s)

Total Load

0.31102

Config Load

0.01833

Module Load

0.26106

SQL Execution

0.03402

Generate Tpl

0.03163

Name

Memory usage (kB)

Memory usage (MB)

Total Memory Usage

2,543.6875 kB

2.4841 MB

Include Files

778.0234 kB

0.7598 MB

Module Load

1,127.5156 kB

1.1011 MB

Generate Tpl

638.1484 kB

0.6232 MB

	Report
	Data
	Query
	0.31102 s
	2.4841 MB

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