[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.stavir.cz\/kdy-a-proc-refinancovat\/#Article","mainEntityOfPage":"https:\/\/www.stavir.cz\/kdy-a-proc-refinancovat\/","headline":"Kdy a pro\u010d refinancovat?","name":"Kdy a pro\u010d refinancovat?","description":"Pokud si chceme splnit sen o vlastn\u00edm bydlen\u00ed, bez chyt\u0159e zvolen\u00e9ho hypote\u010dn\u00edho \u00fav\u011bru se n\u00e1m to poda\u0159\u00ed jen st\u011b\u017e\u00ed. Ov\u0161em i ta nejv\u00fdhodn\u011bj\u0161\u00ed hypot\u00e9ka za p\u00e1r let u\u017e v\u016fbec tak v\u00fdhodn\u00fd b\u00fdt nemus\u00ed mezi z\u00e1plavami nab\u00eddek dal\u0161\u00edch bankovn\u00edch i nebankovn\u00edch... ","datePublished":"2021-03-16","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.stavir.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.stavir.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a231d13c7dfc9c75f2343f864438f5ab9c0bfebd1aa37dfd3bb16118c04f838c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a231d13c7dfc9c75f2343f864438f5ab9c0bfebd1aa37dfd3bb16118c04f838c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"stavir.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.stavir.cz\/wp-content\/uploads\/pen%C3%ADze%20na%20uzd%C4%9B_3.jpg","url":"https:\/\/www.stavir.cz\/wp-content\/uploads\/pen%C3%ADze%20na%20uzd%C4%9B_3.jpg","height":0,"width":0},"url":"https:\/\/www.stavir.cz\/kdy-a-proc-refinancovat\/","about":["Pen\u00edze"],"wordCount":412,"articleBody":"     Pokud si chceme splnit sen o vlastn\u00edm bydlen\u00ed, bez chyt\u0159e zvolen\u00e9ho hypote\u010dn\u00edho \u00fav\u011bru se n\u00e1m to poda\u0159\u00ed jen st\u011b\u017e\u00ed. Ov\u0161em i ta nejv\u00fdhodn\u011bj\u0161\u00ed hypot\u00e9ka za p\u00e1r let u\u017e v\u016fbec tak v\u00fdhodn\u00fd b\u00fdt nemus\u00ed mezi z\u00e1plavami nab\u00eddek dal\u0161\u00edch bankovn\u00edch i nebankovn\u00edch spole\u010dnost\u00ed. Co te\u010f? D\u00e1l spl\u00e1cet nev\u00fdhodn\u00fd \u00fav\u011br, i kdy\u017e na trhu v sou\u010dasnosti jsou daleko v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddky. Ne, \u0159e\u0161en\u00edm je refinancov\u00e1n\u00ed hypot\u00e9ky https:\/\/www.fahd.cz\/refinancovani-hypoteky\/. Refinancov\u00e1n\u00ed p\u0159ed koncem fixaceRefinancov\u00e1n\u00ed hypot\u00e9ky je ve zkratku splacen\u00ed aktu\u00e1ln\u00edho hypote\u010dn\u00edho \u00fav\u011bru \u00fav\u011brem nov\u00fdm, kter\u00fd je sjedn\u00e1n pro dlu\u017en\u00edka za v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek. A jak refinancov\u00e1n\u00ed vlastn\u011b prob\u00edh\u00e1? N\u011bkolik m\u011bs\u00edc\u016f p\u0159ed koncem fixn\u00edho obdob\u00ed by m\u011bl aktu\u00e1ln\u00ed v\u011b\u0159itel (banka) poslat dlu\u017en\u00edkovi nov\u00e9 podm\u00ednky na dal\u0161\u00ed fixn\u00ed obdob\u00ed. Pokud s nimi dlu\u017en\u00edk souhlas\u00ed, nic z\u00e1sadn\u00edho se pro n\u011bj nem\u011bn\u00ed. I nad\u00e1le bude spl\u00e1cet dle smlouvy st\u00e1vaj\u00edc\u00edmu v\u011b\u0159iteli. Pokud se ale rozhodne, \u017ee na novou nab\u00eddku nep\u0159istoup\u00ed, je ide\u00e1ln\u00ed doba na refinancov\u00e1n\u00ed. P\u0159ed koncem fixace je tedy ide\u00e1ln\u00ed \u010das na hled\u00e1n\u00ed nov\u00e9ho hypote\u010dn\u00edho \u00fav\u011bru za v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek. To m\u016f\u017ee b\u00fdt kup\u0159\u00edkladu ni\u017e\u0161\u00ed ro\u010dn\u00ed \u00farokov\u00e1 sazba s del\u0161\u00ed fixac\u00ed, men\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky, del\u0161\u00ed doba splacen\u00ed nebo zv\u00fdhodn\u011bn\u00ed dal\u0161\u00edch dopl\u0148kov\u00fdch slu\u017eeb. Aby se p\u0159ed\u010dasn\u00e9 splacen\u00ed aktu\u00e1ln\u00edho \u00fav\u011bru vyplatilo, je zapot\u0159eb\u00ed naj\u00edt takov\u00fd druh hypot\u00e9ky, kde je v\u00fdrazn\u011b ni\u017e\u0161\u00ed \u00farokov\u00e1 sazba. V dob\u011b fixace v\u00e1m \u017e\u00e1dn\u00e1 banka nem\u016f\u017ee na\u00fa\u010dtovat jak\u00fdkoliv poplatek nebo sankci za p\u0159ed\u010dasn\u00e9 splacen\u00ed. V sou\u010dasnosti v\u0161ak i mimo fixa\u010dn\u00ed obdob\u00ed jsou sankce za p\u0159ed\u010dasn\u00e9 splacen\u00ed zanedbateln\u00e9. Souhlas aktu\u00e1ln\u00edho v\u011b\u0159iteleHypote\u010dn\u00ed \u00fav\u011br je mo\u017en\u00e9 p\u0159ed\u010dasn\u011b splatit bez souhlasu aktu\u00e1ln\u00edho v\u011b\u0159itele, je ov\u0161em zapot\u0159eb\u00ed ho informovat alespo\u0148 m\u011bs\u00edc dop\u0159edu s informac\u00ed, \u017ee hodl\u00e1te refinancovat a ve spl\u00e1cen\u00ed budete pokra\u010dovat u jin\u00e9ho v\u011b\u0159itele.                                                                                                                                                                                                                                                                                                                                                                                           4.8\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy a pro\u010d refinancovat?","item":"https:\/\/www.stavir.cz\/kdy-a-proc-refinancovat\/#breadcrumbitem"}]}]