[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.stykr.cz\/myty-spojene-s-refinancovanim-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.stykr.cz\/myty-spojene-s-refinancovanim-hypoteky\/","headline":"M\u00fdty spojen\u00e9 s refinancov\u00e1n\u00edm hypot\u00e9ky","name":"M\u00fdty spojen\u00e9 s refinancov\u00e1n\u00edm hypot\u00e9ky","description":"Ohledn\u011b refinancov\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011bru toho bylo naps\u00e1no ji\u017e hodn\u011b, ale co je skute\u010dn\u011b pravda a co jen vykonstruovan\u00fd m\u00fdtus, kter\u00fd n\u00e1m br\u00e1n\u00ed ve spr\u00e1vn\u00e9m \u00fasudku. Kolem refinancov\u00e1n\u00ed panuje cel\u00e1 \u0159ada m\u00fdt\u016f a polopravd, poj\u010fme je tedy spole\u010dn\u011b jednou pro v\u017edy vyvr\u00e1tit. P\u00e1r m\u011bs\u00edc\u016f p\u0159ed koncem doby fixace by m\u011bl v\u011b\u0159itel dlu\u017en\u00edka obezn\u00e1mit s nov\u00fdmi podm\u00ednkami...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.stykr.cz\/myty-spojene-s-refinancovanim-hypoteky\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> &ldquo;M\u00fdty spojen\u00e9 s refinancov\u00e1n\u00edm hypot\u00e9ky&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2021-02-18","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.stykr.cz\/author\/#Person","name":"stykr.cz\n","url":"https:\/\/www.stykr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4c8347e48acde4b8838164e4b1c9b1c2409c44aff1922a8b9d7dd631b9ae52bb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4c8347e48acde4b8838164e4b1c9b1c2409c44aff1922a8b9d7dd631b9ae52bb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"stykr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.stykr.cz\/wp-content\/uploads\/pot%C5%99esen%C3%AD%20rukou_7.jpg","url":"https:\/\/www.stykr.cz\/wp-content\/uploads\/pot%C5%99esen%C3%AD%20rukou_7.jpg","height":0,"width":0},"url":"https:\/\/www.stykr.cz\/myty-spojene-s-refinancovanim-hypoteky\/","about":["Domov"],"wordCount":431,"articleBody":"       Ohledn\u011b refinancov\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011bru toho bylo naps\u00e1no ji\u017e hodn\u011b, ale co je skute\u010dn\u011b pravda a co jen vykonstruovan\u00fd m\u00fdtus, kter\u00fd n\u00e1m br\u00e1n\u00ed ve spr\u00e1vn\u00e9m \u00fasudku. Kolem refinancov\u00e1n\u00ed panuje cel\u00e1 \u0159ada m\u00fdt\u016f a polopravd, poj\u010fme je tedy spole\u010dn\u011b jednou pro v\u017edy vyvr\u00e1tit. P\u00e1r m\u011bs\u00edc\u016f p\u0159ed koncem doby fixace by m\u011bl v\u011b\u0159itel dlu\u017en\u00edka obezn\u00e1mit s nov\u00fdmi podm\u00ednkami na dal\u0161\u00ed fixn\u00ed obdob\u00ed. V tomto \u010dase m\u00e1 dlu\u017en\u00edk dv\u011b mo\u017enosti, bu\u010f bude nov\u00e9 podm\u00ednky akceptovat a i nad\u00e1le spl\u00e1cet \u00fav\u011br jako doposud nebo se rozhodne pro refinancov\u00e1n\u00ed hypot\u00e9ky. Druh\u00e1 mo\u017enost nast\u00e1v\u00e1 v p\u0159\u00edpad\u011b, kdy dlu\u017en\u00edkovi jin\u00e1 banka nab\u00eddne v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky oproti st\u00e1vaj\u00edc\u00edmu poskytovateli \u00fav\u011bru. M\u016f\u017ee to b\u00fdt ni\u017e\u0161\u00ed \u00farokov\u00e1 sazba, del\u0161\u00ed doba spl\u00e1cen\u00ed, men\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky apod. I v dne\u0161n\u00ed dob\u011b, kdy se refinancov\u00e1n\u00ed stalo doslova fenom\u00e9nem, najdeme celou \u0159adu \u010cech\u016f, kter\u00e9 aktu\u00e1ln\u00ed nab\u00eddky ostatn\u00edch bank nezkoumaj\u00ed. Takov\u00fd dlu\u017en\u00edk m\u016f\u017ee ka\u017edoro\u010dn\u011b vynalo\u017eit zbyte\u010dn\u00e9 finance nav\u00edc. P\u0159itom to rozhodn\u011b nejsou zanedbateln\u00e9 \u010d\u00e1stky, p\u0159i spr\u00e1vn\u00e9m refinancov\u00e1n\u00ed m\u016f\u017eeme u\u0161et\u0159it i kolem 10 tis\u00edc ro\u010dn\u011b. Refinancov\u00e1n\u00ed jen se souhlasem v\u011b\u0159iteleRefinancov\u00e1n\u00ed hypot\u00e9ky je ve zkratce p\u0159ed\u010dasn\u00e9 splacen\u00ed st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho \u00fav\u011bru \u00fav\u011brem nov\u00fdm, kter\u00fd je ov\u0161em pro dlu\u017en\u00edka sjedn\u00e1n za lep\u0161\u00edch podm\u00ednek. Pokud se tedy z jak\u00e9hokoliv d\u016fvodu dlu\u017en\u00edk rozhodne vyu\u017e\u00edt jin\u00e9 nab\u00eddky od konkurence, nen\u00ed zapot\u0159eb\u00ed \u017e\u00e1dn\u00fd souhlas aktu\u00e1ln\u00edho v\u011b\u0159itele. Je ov\u0161em zapot\u0159eb\u00ed sv\u016fj z\u00e1m\u011br v\u011b\u0159iteli ozn\u00e1mit a to alespo\u0148 m\u011bs\u00edc p\u0159ed pl\u00e1novan\u00fdm odchodem. Vysok\u00e9 pen\u00e1le a sank\u010dn\u00ed poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00edV p\u0159\u00edpad\u011b, kdy se dlu\u017en\u00edk rozhodne refinancovat st\u00e1vaj\u00edc\u00ed hypote\u010dn\u00ed \u00fav\u011br v dob\u011b, kdy je pevn\u011b sv\u00e1z\u00e1n fixac\u00ed, st\u00e1vaj\u00edc\u00ed poskytovatel nem\u016f\u017ee po dlu\u017en\u00edkovi vym\u00e1hat \u017e\u00e1dn\u00e9 poplatky ani u\u0161l\u00fd zisk za p\u0159ed\u010dasn\u00e9 splacen\u00ed. I kdy\u017e je refinancov\u00e1n\u00ed p\u0159ed koncem fixace p\u0159eci jenom o n\u011bco v\u00fdhodn\u011bj\u0161\u00ed, pro p\u0159ed\u010dasn\u00e9 splacen\u00ed se m\u016f\u017ee dlu\u017en\u00edk rozhodnout kdykoliv.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00fdty spojen\u00e9 s refinancov\u00e1n\u00edm hypot\u00e9ky","item":"https:\/\/www.stykr.cz\/myty-spojene-s-refinancovanim-hypoteky\/#breadcrumbitem"}]}]