2016-12-14

Jaki wkład własny w 2017 r.?

Jaki wkład własny?

Jak twierdzą eksperci Metrofinance, pośredniczący w uzyskiwaniu kredytów dla klientów Metrohouse, nie należy spodziewać się, że wszystkie banki będą zwiększać poziom obowiązkowego wkładu własnego klienta do 20%. To dobra wiadomość dla osób planujących zakup mieszkania w przyszłym roku. – Jest niemal pewne, że nadal wiele banków pozostanie przy dotychczasowym wariancie dozwolonym przez KNF oczekując 10 proc. wkładu własnego i ubezpieczenia pozostałej wartości od ryzyka niskiego wkładu własnego, mówi Tomasz Przyrowski, członek zarządu Metrofinance. Dzięki temu rozwiązaniu zapisy wynikające rekomendacji są spełnione, a klient ma szanse uzyskać kredyt o wyższym parametrze LTV (Loan to Value – stosunek kwoty kredytu do wartości nieruchomości).

Ile kosztuje ubezpieczenie niskiego wkładu własnego?

W praktyce dodatkowe ubezpieczenie oznacza koszt po stronie klienta. – Banki stosują różne rozwiązania. Jedne podnoszą oprocentowanie całego kredytu do czasu, kiedy saldo osiągnie 80% wartości zaciągniętego kredytu. Inne natomiast pobierają opłatę za cały okres, kiedy kredyt będzie podlegał ubezpieczeniu i jest to składka jednorazowa, mówi Karol Smentoch, dyrektor Metrofinance w Gdańsku. Jeżeli przyjmiemy zakup nieruchomości o wartości 300 tys. zł, to w pierwszym przypadku w jednym z dużych banków marża zostaje podwyższona o 0,25% do czasu, kiedy saldo kredytu spadnie poniżej kwoty 240.000zł. Miesięczny koszt takiego ubezpieczenia wyniesie zatem 133,62 zł, przy założeniu 30-letniego okresu kredytowania i oprocentowania 3,56%. W przypadku drugiego wariantu w innym banku jednorazowy koszt wynosi 1170 zł.

Nie ma powodów do paniki

Zdaniem ekspertów kredytowych z Metrofinance nie ma powodu, by z racji przełomu roku podejmować pochopne decyzje kredytowe, które są podyktowane wyłącznie zbliżającymi się zmianami w rekomendacji. – Wiele pojawiających się informacji wywołuje konsternację wśród klientów, którzy kierują do nas liczne pytania o to, czy rzeczywiście będą zobligowani do wniesienia w całości 20% wkładu własnego. Doniesienia medialne na ten temat nie mają podstaw w informacjach płynących od samych banków, które dotychczas nie przekazują oficjalnego stanowiska w tej kwestii, co tylko dowodzi, że rewolucji nie będzie, mówi Tomasz Przyrowski. Oficjalne stanowiska banków spodziewane są w okresie najbliższych świąt.

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,,Chciałabym serdecznie podziękować za współpracę oraz sprawne przeprowadzenie transakcji. Szczególnie dziękuję Pani Monice Łopatce za profesjonalne wsparcie i cierpliwość do wszelkich moich wątpliwości. Dzięki Pani to była przyjemność. Życzę wielu sukcesów i zadowolonych klientów! "

— Anna K., Warszawa

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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 = "172" AND m.visible=1 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 = "135" AND m.visible=1 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 = "136" 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 = "159" 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 = "161" AND m.visible=1 ORDER BY m.weight ASC
0.00024	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
0.00024	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 = "107" AND m.visible=1 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 = "112" AND m.visible=1 ORDER BY m.weight ASC
0.00025	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
0.00025	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
0.00020	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 = "165" AND m.visible=1 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 = "166" 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 = "167" AND m.visible=1 ORDER BY m.weight ASC
0.00009	14	getList	SELECT * FROM dynamic_text
0.00020	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
0.01079	2051	getList	SELECT * FROM sys_picklist_values_all WHERE language_id="5"
0.00066	1	getRow	SELECT * FROM news WHERE id="536" LIMIT 0,1
0.00016	14	getList	SELECT * FROM dynamic_text

Q.Time(s)

Aff. Rows

Run

Query

0.00006

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00008

Run

SET sql_mode = ''

0.00027

getRow

SELECT url, active FROM routes WHERE alias='news-jaki-wklad-wlasny-w-2017-r-' OR alias='/news-jaki-wklad-wlasny-w-2017-r-' LIMIT 0,1

0.00011

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00008

Run

SET sql_mode = ''

0.00035

getList

SELECT * FROM dh_url_parameters WHERE field="sale_or_rent"

0.00015

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'

0.00013

getArrayAssoc

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

0.00010

getField

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

0.00004

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00011

Run

SET sql_mode = ''

0.00014

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

0.00005

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='de' AND site='frontend' ORDER BY name LIMIT 0,1

0.00010

getField

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

0.00007

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00008

Run

SET sql_mode = ''

0.00015

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 = ''

0.00013

getField

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

0.00260

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/%')

0.00019

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

0.00009

getList

SELECT id,url FROM search_langs

0.00011

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'

0.00009

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'

0.00008

getArrayAssoc

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

0.00009

getArrayAssoc

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

0.00009

getArrayAssoc

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

0.00029

getArrayAssoc

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

0.00010

getArrayAssoc

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

0.00011

getArrayAssoc

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

0.00011

getArrayAssoc

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

0.00010

getArrayAssoc

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

0.00009

getArrayAssoc

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

0.00010

getArrayAssoc

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

0.00009

getArrayAssoc

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

0.00008

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'

0.00008

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'

0.00009

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'

0.00028

getArrayAssoc

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

0.00009

getArrayAssoc

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

0.00012

getArrayAssoc

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

0.00009

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'

0.00009

getArrayAssoc

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

0.00009

getArrayAssoc

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

0.00009

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'

0.00009

getArrayAssoc

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

0.00008

getArrayAssoc

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

0.00009

getArrayAssoc

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

0.00009

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'

0.00010

getArrayAssoc

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

0.00005

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00005

Run

SET sql_mode = ''

0.00032

332

getList

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

0.00008

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00006

Run

SET sql_mode = ''

0.00047

332

getArrayAssoc

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

0.00007

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00005

Run

SET sql_mode = ''

0.00017

getList

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

0.00025

getArrayAssoc

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

0.00019

getArrayAssoc

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

0.00016

getArrayAssoc

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

0.00013

getField

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

0.00005

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='en' AND site='frontend' ORDER BY name LIMIT 0,1

0.00014

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

0.00012

getField

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

0.00005

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00006

Run

SET sql_mode = ''

0.00017

getField

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

0.00015

getField

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

0.00008

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00006

Run

SET sql_mode = ''

0.00012

getField

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

0.00005

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00005

Run

SET sql_mode = ''

0.00014

getList

SELECT * FROM languages WHERE active=1 ORDER BY name

0.00005

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00006

Run

SET sql_mode = ''

0.00012

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

0.00006

Run

SET sql_mode = ''

0.00700

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'

0.00024

getArrayAssoc

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

0.00010

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

0.00034

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

0.00021

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

0.00021

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 = "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

0.00021

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 = "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

0.00022

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 = "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

0.00030

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

0.00022

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 = "117" 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 = "172" 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 = "135" 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 = "136" 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 = "159" 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 = "161" 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 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

0.00024

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 = "107" 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 = "112" AND m.visible=1 ORDER BY m.weight ASC

0.00025

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

0.00025

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

0.00020

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 = "165" 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 = "166" 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 = "167" AND m.visible=1 ORDER BY m.weight ASC

0.00009

getList

SELECT * FROM dynamic_text

0.00020

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

0.01079

2051

getList

SELECT * FROM sys_picklist_values_all WHERE language_id="5"

0.00066

getRow

SELECT * FROM news WHERE id="536" LIMIT 0,1

0.00016

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

0.29667

Config Load

0.01540

Module Load

0.25277

SQL Execution

0.03975

Generate Tpl

0.02850

Name

Memory usage (kB)

Memory usage (MB)

Total Memory Usage

2,544.1797 kB

2.4846 MB

Include Files

777.4688 kB

0.7592 MB

Module Load

1,125.9063 kB

1.0995 MB

Generate Tpl

640.8047 kB

0.6258 MB

	Report
	Data
	Query
	0.29667 s
	2.4846 MB

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