2015-11-04

Ile kosztuje ubezpieczenie niskiego wkładu własnego?

Od 01.01.2015 wzrasta wysokość wkładu własnego do kredytu przy zakupie nieruchomości. Jeśli nie będziemy w stanie zebrać więcej niż 10 proc. wkładu własnego, nie tracimy szans na uzyskanie kredytu. Zgodnie ze znowelizowaną Rekomendacją S uzyskanie kredytu na sfinansowanie 90 proc. inwestycji będzie nadal możliwe pod warunkiem ustanowienia dodatkowego zabezpieczenia wkładu własnego. Koszty obsługi takiego kredytu będą nieco jednak wyższe. Jak bardzo?

Prześledźmy to na przykładzie kilku wariantów. Za każdym razem przedmiotem zakupu jest mieszkanie w cenie 300 tys. zł. W pierwszym przypadku posiadacz tylko 10 proc. wkładu własnego musi ubezpieczyć niski wkład własny, co wiąże się z marżą kredytu wyższą o 0,25 pkt. proc. Przez ponad 5 lat jego rata uwzględnia wyższą marżę i wynosi 1284,36 zł, następnie rata spada do poziomu 1245,82 zł. Jeżeli mamy 15 proc. wkładu własnego przez pierwsze trzy lata zapłacimy ratę w wysokości 1198,38 zł, a kolejne już nieco niższe – 1162,21 zł. Posiadając pełny wymagany wkład własny oczywiście nie ma potrzeby ubezpieczania niskiego wkładu własnego, a rata wyniesie 1073,69 zł. Kupując w 2016 r. mieszkanie z 10 proc. wkładem własnym wyższa marża spowoduje wzrost kosztu całego kredytu o 2582,18 zł, a przy 15 proc. wkładu własnego 1338,29 zł.

Photo credit: Diana Parkhouse / Foter.com / CC BY

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,,Chciałbym jeszcze raz wyrazić swoją wdzięczność Pani Izabeli Janik za bardzo profesjonalne podejście, zadbanie o wszystkie, nawet najdrobniejsze szczegóły. Wysoki profesjonalizm nie tylko przyczynił się do szybkiego i jak najbardziej skutecznego przebiegu podpisania umowy, lecz od początku wywołał we mnie wielkie zaufanie, co jest moim zdaniem szczególnie ważne w takiej sytuacji."

— Damian T., Gdynia

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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
0.00020	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
0.00028	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
0.00025	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="162" ORDER BY m.weight ASC
0.00026	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
0.00019	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 = "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
0.00022	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
0.00020	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
0.00024	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
0.00012	14	getList	SELECT * FROM dynamic_text
0.00025	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
0.00038	1	getArrayAssoc	SELECT * FROM velemenyek WHERE visible = 1 AND language='5' AND tipus=1 ORDER BY rand() LIMIT 0,1
0.00008	1	getList	SELECT * FROM module_enabler
0.00070	0	getArrayAssoc	SELECT fuv.last_view_date, p.* FROM frontend_users_views as fuv INNER JOIN properties as p ON fuv.property_id = p.property_id WHERE fuv.DHU="lGhFR9B7zrtrGPV2iKW9" AND p.status IN ('SPV00000000011F', 'SPV000000000582', 'SPV00000000011D' ) GROUP BY fuv.property_id ORDER BY fuv.last_view_date DESC LIMIT 200
0.00035	1	getRow	SELECT * FROM blog WHERE id="199" LIMIT 0,1
0.00016	14	getList	SELECT * FROM dynamic_text

Q.Time(s)

Aff. Rows

Run

Query

0.00010

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00008

Run

SET sql_mode = ''

0.00030

getRow

SELECT url, active FROM routes WHERE alias='blog-kosztuje-ubezpieczenie-niskiego-wkladu-wlasnego' OR alias='/blog-kosztuje-ubezpieczenie-niskiego-wkladu-wlasnego' LIMIT 0,1

0.00016

getList

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

0.00003

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00004

Run

SET sql_mode = ''

0.00022

getList

SELECT * FROM dh_url_parameters WHERE field="sale_or_rent"

0.00014

getArrayAssoc

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

0.00013

getArrayAssoc

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

0.00011

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

0.00003

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00004

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

0.00003

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

0.00011

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

0.00012

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

0.00002

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

0.00227

358

getArrayAssoc

SELECT alias FROM routes WHERE (url LIKE '%module/blog/%' OR url LIKE '%module/blog') AND (url LIKE '%site/frontend%' 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

0.00006

getList

SELECT id,url FROM search_langs

0.00008

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'

0.00006

getArrayAssoc

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

0.00006

getArrayAssoc

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

0.00006

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'

0.00006

getArrayAssoc

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

0.00006

getArrayAssoc

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

0.00006

getArrayAssoc

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

0.00006

getArrayAssoc

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

0.00006

getArrayAssoc

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

0.00006

getArrayAssoc

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

0.00006

getArrayAssoc

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

0.00006

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'

0.00005

getArrayAssoc

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

0.00006

getArrayAssoc

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

0.00006

getArrayAssoc

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

0.00006

getArrayAssoc

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

0.00006

getArrayAssoc

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

0.00005

getArrayAssoc

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

0.00006

getArrayAssoc

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

0.00006

getArrayAssoc

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

0.00006

getArrayAssoc

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

0.00006

getArrayAssoc

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

0.00006

getArrayAssoc

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

0.00006

getArrayAssoc

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

0.00006

getArrayAssoc

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

0.00006

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'

0.00013

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'

0.00006

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

0.00004

Run

SET sql_mode = ''

0.00032

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

0.00004

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00005

Run

SET sql_mode = ''

0.00015

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'

0.00009

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

0.00004

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

0.00008

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

0.00003

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

0.00009

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 = ''

0.00011

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

0.00003

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='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

0.00005

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00006

Run

SET sql_mode = ''

0.00013

getField

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

0.00004

Run

SET NAMES UTF8 COLLATE utf8_general_ci

0.00004

Run

SET sql_mode = ''

0.00674

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'

0.00019

getArrayAssoc

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

0.00009

getRow

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

0.00042

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

0.00030

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, 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

0.00027

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="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

0.00019

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

0.00019

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 = "156" 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 = "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

0.00022

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

0.00021

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

0.00020

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

0.00028

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 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

0.00025

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="162" 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 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

0.00019

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 = "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

0.00022

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

0.00020

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

0.00024

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

0.00012

getList

SELECT * FROM dynamic_text

0.00025

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

0.00038

getArrayAssoc

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

0.00008

getList

SELECT * FROM module_enabler

0.00070

getArrayAssoc

SELECT fuv.last_view_date, p.* FROM frontend_users_views as fuv INNER JOIN properties as p ON fuv.property_id = p.property_id WHERE fuv.DHU="lGhFR9B7zrtrGPV2iKW9" AND p.status IN ('SPV00000000011F', 'SPV000000000582', 'SPV00000000011D' ) GROUP BY fuv.property_id ORDER BY fuv.last_view_date DESC LIMIT 200

0.00035

getRow

SELECT * FROM blog WHERE id="199" 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	0.38582
Config Load	0.03572
Module Load	0.31259
SQL Execution	0.0254
Generate Tpl	0.03751

Name

Time(s)

Total Load

0.38582

Config Load

0.03572

Module Load

0.31259

SQL Execution

0.0254

Generate Tpl

0.03751

Name	Memory usage (kB)	Memory usage (MB)
Total Memory Usage	9,866.4531 kB	9.6352 MB
Include Files	6,616.9609 kB	6.4619 MB
Module Load	910.4844 kB	0.8891 MB
Generate Tpl	2,339.0078 kB	2.2842 MB

Name

Memory usage (kB)

Memory usage (MB)

Total Memory Usage

9,866.4531 kB

9.6352 MB

Include Files

6,616.9609 kB

6.4619 MB

Module Load

910.4844 kB

0.8891 MB

Generate Tpl

2,339.0078 kB

2.2842 MB

	Report
	Data
	Query
	0.38582 s
	9.6352 MB

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