[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kocicarny.cz\/refinancovani-jako-krok-k-lepsi-hypotece\/#Article","mainEntityOfPage":"https:\/\/www.kocicarny.cz\/refinancovani-jako-krok-k-lepsi-hypotece\/","headline":"Refinancov\u00e1n\u00ed jako krok k lep\u0161\u00ed hypot\u00e9ce","name":"Refinancov\u00e1n\u00ed jako krok k lep\u0161\u00ed hypot\u00e9ce","description":"Refinancov\u00e1n\u00ed hypot\u00e9ky je mnoh\u00e9 velkou nezn\u00e1mou, to ale neznamen\u00e1, \u017ee je pot\u0159eba se tohoto kroku ob\u00e1vat. Je tomu pr\u00e1v\u011b naopak, spr\u00e1vn\u00fdm refinancov\u00e1n\u00edm st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho...","datePublished":"2021-02-18","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.kocicarny.cz\/author\/#Person","name":"","url":"https:\/\/www.kocicarny.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kocicarny.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kocicarny.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_10_10_10_1.jpg","url":"https:\/\/www.kocicarny.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_10_10_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.kocicarny.cz\/refinancovani-jako-krok-k-lepsi-hypotece\/","about":["Pen\u00edze"],"wordCount":436,"articleBody":"        Refinancov\u00e1n\u00ed hypot\u00e9ky je mnoh\u00e9 velkou nezn\u00e1mou, to ale neznamen\u00e1, \u017ee je pot\u0159eba se tohoto kroku ob\u00e1vat. Je tomu pr\u00e1v\u011b naopak, spr\u00e1vn\u00fdm refinancov\u00e1n\u00edm st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho \u00fav\u011bru lze toti\u017e jenom u\u0161et\u0159it, p\u0159\u00edpadn\u011b z\u00edskat v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky pro spl\u00e1cen\u00ed. Refinancov\u00e1n\u00ed hypot\u00e9ky v\u0161ak podl\u00e9h\u00e1 cel\u00e1 \u0159ada faktor\u016f, kter\u00e9 ho mohou ve v\u00fdsledku sp\u00ed\u0161e znev\u00fdhodnit. Na co se tedy p\u0159ed koncem fixace zam\u011b\u0159it? Jak spr\u00e1vn\u011b refinancovat st\u00e1vaj\u00edc\u00ed \u00fav\u011br?Kdy je ta spr\u00e1vn\u00e1 doba na refinancov\u00e1n\u00ed?Refinancov\u00e1n\u00ed hypot\u00e9ky nen\u00ed nic jin\u00e9ho ne\u017e splacen\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru \u00fav\u011brem nov\u00fdm, kter\u00fd by m\u011bl b\u00fdt sjedn\u00e1n pro dlu\u017en\u00edka za v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek. Z toho jasn\u011b vypl\u00fdv\u00e1, \u017ee refinancov\u00e1n\u00ed p\u0159ich\u00e1z\u00ed v \u00favahu ve chv\u00edli, kdy dlu\u017en\u00edkovi jin\u00fd bankovn\u00ed \u010di nebankovn\u00ed subjekt nab\u00eddne v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky. V sou\u010dasnosti je mo\u017en\u00e9 st\u00e1vaj\u00edc\u00ed \u00fav\u011br splatit p\u0159ed\u010dasn\u011b kdykoliv, ov\u0161em v dob\u011b, kdy je \u00fav\u011br spjat s pevn\u011b stanovenou \u00farokovou sazbou p\u0159eci jenom o n\u011bco v\u00fdhodn\u011bji. B\u011bhem doby fixace je toti\u017e p\u0159ed\u010dasn\u00e9 splacen\u00ed hypote\u010dn\u00edho \u00fav\u011bru zcela zdarma, bez sankc\u00ed a poplatk\u016f. Pokud se tedy dlu\u017en\u00edk rozhodne odej\u00edt ke konkurenci, je ide\u00e1ln\u00ed doba pr\u00e1v\u011b p\u0159ed koncem fixn\u00edho obdob\u00ed \u00farokov\u00e9 sazby. P\u0159ibli\u017en\u011b t\u0159i m\u011bs\u00edce p\u0159ed vypr\u0161en\u00edm doby fixace je dlu\u017en\u00edk obezn\u00e1men v\u011b\u0159itelem s novou nab\u00eddkou na dal\u0161\u00ed fixn\u00ed obdob\u00ed. Pokud nab\u00eddku akceptuje, pokra\u010duje ve spl\u00e1cen\u00ed d\u00e1le za standartn\u00edch podm\u00ednek, v p\u0159\u00edpad\u011b, kdy mu ale nov\u00e1 nab\u00eddka nevyhovuje, je nejvy\u0161\u0161\u00ed \u010das p\u0159em\u00fd\u0161let o refinancov\u00e1n\u00ed. Mnoho lid\u00ed v\u0161ak aktu\u00e1ln\u00ed nab\u00eddky hypote\u010dn\u00edch \u00fav\u011br\u016f p\u0159\u00edli\u0161 nesleduje a tak mo\u017en\u00e1 zbyte\u010dn\u011b spl\u00e1c\u00ed nev\u00fdhodn\u00fd \u00fav\u011br. Je tedy v z\u00e1jmu dlu\u017en\u00edka se p\u0159ed koncem fixa\u010dn\u00edho obdob\u00ed o nab\u00eddky jin\u00fdch bank zaj\u00edmat a v p\u0159\u00edpad\u011b, kdy jin\u00e1 bankovn\u00ed \u010di nebankovn\u00ed spole\u010dnost nab\u00eddne v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00ed \u00fav\u011br, neot\u00e1let a refinancovat je\u0161t\u011b p\u0159ed koncem fixace. Spr\u00e1vn\u00fdm refinancov\u00e1n\u00edm je toti\u017e mo\u017en\u00e9 u\u0161et\u0159it i n\u011bkolik tis\u00edc ro\u010dn\u011b.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Refinancov\u00e1n\u00ed jako krok k lep\u0161\u00ed hypot\u00e9ce","item":"https:\/\/www.kocicarny.cz\/refinancovani-jako-krok-k-lepsi-hypotece\/#breadcrumbitem"}]}]