2017-06-20

Czy dziecko zmniejszy zdolność kredytową?

Obliczając zdolność kredytową przy kredycie hipotecznym banki biorą pod uwagę nie tylko dochody przyszłego kredytobiorcy. Liczy się także między innymi to, ile osób liczy gospodarstwo domowe i czy są w nim dzieci.

Pierwszym krokiem mającym na celu oszacowanie własnych możliwości finansowych przed zakupem mieszkania powinno być sprawdzenie posiadanej zdolności kredytowej u doświadczonego i posiadającego możliwie najszerszą ofertę produktową pośrednika kredytowego. Dlaczego szeroka oferta produktów kredytowych jest tak ważna? Jak wynika z opracowania analityków kredytowych Metrofinance, spółki wchodzącej w skład Metrohouse, różnice w oferowanej maksymalnej kwocie pomiędzy czołowymi bankami mogą dochodzić do kilkudziesięciu procent.

Ile z dzieckiem, a ile bez?

Aby pokazać istniejące różnice analitycy Metrofinance przyjęli do wyliczeń następujące dane: dochody kredytobiorcy netto na poziomie średniej krajowej wynoszącej 4 488,08 zł brutto tj. 3 193,21 zł netto, 30 letni okres kredytowania. Obliczenia przeprowadzili dla kilku modelowych przykładów gospodarstw domowych. W każdym z przypadku przyjęto brak dodatkowych zobowiązań takich jak kredyty lub np. alimenty.

U singla bez zobowiązań, którego dochody wynoszą jedną średnią krajową, zdolność kredytowa jest oceniana zależnie od banku na kwotę od 260 000 do 370 000 zł. Tymczasem osoba samotnie wychowująca dziecko, zarabiająca tyle samo, otrzyma średnio w bankach od już tylko od 180 000 do 250 000 zł. Małżonkowie bez dzieci, zarabiający łącznie dwie średnie krajowe mogą uzyskać kwotę średnio od 540 000 do 760 000 zł. Jeśli to samo małżeństwo zechce ubiegać się o kredyt po urodzeniu pierwszego dziecka, otrzyma już maksymalnie kwotę od 500 000 do 650 000 zł. Rodzina czteroosobowa o tych samych parametrach dochodowych i dwójce dzieci może liczyć na kwotę od 400 000 do 520 000 zł, zaś duża 5 osobowa rodzina z trójką dzieci na utrzymaniu otrzyma już średnio od 270 000 do 420 000 zł. Z opracowania wynika więc, że grupą, która może liczyć na najwyższą zdolność kredytową są małżeństwa/pary bez dzieci. Jeżeli porównamy maksymalną zdolność kredytową tej grupy kredytobiorców i rodziny z trójką dzieci, to różnice mogą osiągnąć nawet 340 000 zł. Należy zauważyć, że każde kolejne dziecko zmniejsza maksymalną zdolność kredytową przynajmniej o 100 000 zł.

Do niniejszego zestawienia należy dodać jedną ważną uwagę. – Często bank z mniej atrakcyjną ofertą i wyższym oprocentowaniem oferuje na zachętę większą kwotę kredytu – trzeba o tym pamiętać porównując oferty, dodaje Piotr Firlej, dyrektor w Metrofinance. Warto więc skorzystać z pomocy doświadczonego specjalisty, który oprócz rzetelnej informacji o zdolności wskaże ewentualne koszty dodatkowe, jakimi możemy być obarczeni wybierając bank oferujący najwyższą kwotę na rynku.

500+ a zdolność kredytowa

Klienci często pytają czy na ich zdolność kredytową wpłyną otrzymywane środki z programu 500+. – Niestety nie i raczej nie zapowiada się, by banki zaczęły uwzględniać je w przyszłości. Podobnie rzecz ma się z alimentami zasądzonymi na dziecko. Przy wnioskowaniu o kredyt hipoteczny banki niestety solidarnie ich nie uwzględniają, poza jednym, który jest w stanie zdyskontować częściowo koszty życia gospodarstwa, co może poprawić nieznacznie zdolność kredytową, wyjaśnia Piotr Firlej.

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,,Szanowny Panie, chciałbym pochwalić profesjonalizm w pracy Pana Patryka Przewodowskiego. Jestem zaskoczony zaangażowaniem, z jakim podchodzi on do pracy. Piszę do Pana, ponieważ nigdy nie spotkałem pośrednika nieruchomości, który z taką pasją zajmował się swoimi klientami."

— Łukasz D., Warszawa

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0.00027	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
0.00021	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 = "160" 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 = "117" AND m.visible=1 ORDER BY m.weight ASC
0.00023	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
0.00021	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 = "135" AND m.visible=1 ORDER BY m.weight ASC
0.00038	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
0.00046	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
0.00024	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
0.00031	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
0.00036	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
0.00022	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 = "112" 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 = "163" AND m.visible=1 ORDER BY m.weight ASC
0.00027	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
0.00022	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 = "165" 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 = "166" AND m.visible=1 ORDER BY m.weight ASC
0.00024	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
0.00010	14	getList	SELECT * FROM dynamic_text
0.00024	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
0.00041	1	getArrayAssoc	SELECT * FROM velemenyek WHERE visible = 1 AND language='5' AND tipus=1 ORDER BY rand() LIMIT 0,1
0.00009	1	getList	SELECT * FROM module_enabler
0.01142	2051	getList	SELECT * FROM sys_picklist_values_all WHERE language_id="5"
0.00065	1	getRow	SELECT * FROM news WHERE id="559" LIMIT 0,1
0.00020	14	getList	SELECT * FROM dynamic_text

Q.Time(s)

Aff. Rows

Run

Query

0.00011

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00009

Run

SET sql_mode = ''

0.00032

getRow

SELECT url, active FROM routes WHERE alias='news-czy-dziecko-zmniejszy-zdolnosc-kredytowa-' OR alias='/news-czy-dziecko-zmniejszy-zdolnosc-kredytowa-' LIMIT 0,1

0.00006

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00004

Run

SET sql_mode = ''

0.00027

getList

SELECT * FROM dh_url_parameters WHERE field="sale_or_rent"

0.00016

getArrayAssoc

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

0.00012

getArrayAssoc

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

0.00012

getArrayAssoc

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

0.00009

getField

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

0.00010

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00008

Run

SET sql_mode = ''

0.00027

getField

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

0.00010

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

0.00004

Run

SET sql_mode = ''

0.00013

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

0.00003

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

0.00035

getField

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

0.00006

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00005

Run

SET sql_mode = ''

0.00015

getField

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

0.00208

766

getArrayAssoc

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

0.00012

getField

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

0.00013

getArrayAssoc

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

0.00010

getList

SELECT id,url FROM search_langs

0.00013

getArrayAssoc

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

0.00013

getArrayAssoc

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

0.00009

getArrayAssoc

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

0.00008

getArrayAssoc

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

0.00008

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'

0.00008

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'

0.00008

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'

0.00008

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'

0.00008

getArrayAssoc

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

0.00007

getArrayAssoc

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

0.00007

getArrayAssoc

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

0.00008

getArrayAssoc

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

0.00007

getArrayAssoc

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

0.00007

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'

0.00008

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'

0.00009

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'

0.00008

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'

0.00008

getArrayAssoc

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

0.00007

getArrayAssoc

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

0.00008

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'

0.00008

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'

0.00007

getArrayAssoc

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

0.00007

getArrayAssoc

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

0.00007

getArrayAssoc

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

0.00007

getArrayAssoc

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

0.00008

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

0.00007

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00005

Run

SET sql_mode = ''

0.00051

332

getArrayAssoc

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

0.00005

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00006

Run

SET sql_mode = ''

0.00017

getList

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

0.00011

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'

0.00010

getArrayAssoc

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

0.00009

getField

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

0.00006

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00005

Run

SET sql_mode = ''

0.00016

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-verkaufen' AND type='value' LIMIT 0,1

0.00003

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00004

Run

SET sql_mode = ''

0.00014

getField

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

0.00008

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 = ''

0.00011

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

0.00005

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

0.00004

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00004

Run

SET sql_mode = ''

0.00013

getList

SELECT * FROM languages WHERE active=1 ORDER BY name

0.00004

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

0.00005

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00005

Run

SET sql_mode = ''

0.00656

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='news')) AND li.mode='1' AND li.language_id='5'

0.00022

getArrayAssoc

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

0.00011

getRow

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

0.00045

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

0.00033

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

0.00029

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

0.00021

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 = "155" AND m.visible=1 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 = "105" AND m.visible=1 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 = "173" 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 = "144" 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 = "111" AND m.visible=1 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 = "156" AND m.visible=1 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 = "157" AND m.visible=1 ORDER BY m.weight ASC

0.00027

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

0.00021

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 = "160" 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 = "117" AND m.visible=1 ORDER BY m.weight ASC

0.00023

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

0.00021

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 = "135" AND m.visible=1 ORDER BY m.weight ASC

0.00038

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

0.00046

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

0.00024

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

0.00031

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,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

0.00036

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

0.00022

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 = "112" 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 = "163" AND m.visible=1 ORDER BY m.weight ASC

0.00027

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

0.00022

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 = "165" 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 = "166" AND m.visible=1 ORDER BY m.weight ASC

0.00024

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

0.00010

getList

SELECT * FROM dynamic_text

0.00024

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

0.00041

getArrayAssoc

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

0.00009

getList

SELECT * FROM module_enabler

0.01142

2051

getList

SELECT * FROM sys_picklist_values_all WHERE language_id="5"

0.00065

getRow

SELECT * FROM news WHERE id="559" LIMIT 0,1

0.00020

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

0.32492

Config Load

0.01889

Module Load

0.27312

SQL Execution

0.03866

Generate Tpl

0.03291

Name

Memory usage (kB)

Memory usage (MB)

Total Memory Usage

2,547.8984 kB

2.4882 MB

Include Files

777.5859 kB

0.7594 MB

Module Load

1,129.5078 kB

1.1030 MB

Generate Tpl

640.8047 kB

0.6258 MB

	Report
	Data
	Query
	0.32492 s
	2.4882 MB

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