[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ceros.cz\/myty-spjate-s-refinancovanim-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.ceros.cz\/myty-spjate-s-refinancovanim-hypoteky\/","headline":"M\u00fdty spjat\u00e9 s refinancov\u00e1n\u00edm hypot\u00e9ky","name":"M\u00fdty spjat\u00e9 s refinancov\u00e1n\u00edm hypot\u00e9ky","description":"Refinancov\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru je pom\u011brn\u011b novou slu\u017ebou bankovn\u00edch i nebankovn\u00edch instituc\u00ed. I z tohoto d\u016fvodu kolem refinancov\u00e1n\u00ed koluje st\u00e1le \u0159ada m\u00fdt\u016f a polopravd. Poj\u010fme si proto alespo\u0148 n\u011bkter\u00e9 v tomto \u010dl\u00e1nku vyvr\u00e1tit. S koncem obdob\u00ed fixace st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho \u00fav\u011bru byste m\u011bli dostat vyrozum\u011bn\u00ed od st\u00e1vaj\u00edc\u00edho poskytovatele, kter\u00fd navrhuje nov\u00e9 podm\u00ednky na dal\u0161\u00ed fixn\u00ed obdob\u00ed. Pokud […]","datePublished":"2021-10-22","dateModified":"2021-10-22","author":{"@type":"Person","@id":"https:\/\/www.ceros.cz\/author\/#Person","name":"","url":"https:\/\/www.ceros.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0004469d2196026c4aaacbb56e80b8fe204b91e98e8d884732a12310e081011a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0004469d2196026c4aaacbb56e80b8fe204b91e98e8d884732a12310e081011a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ceros.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ceros.cz\/wp-content\/uploads\/pexels-rodnae-productions-5915230_1.jpg","url":"https:\/\/www.ceros.cz\/wp-content\/uploads\/pexels-rodnae-productions-5915230_1.jpg","height":0,"width":0},"url":"https:\/\/www.ceros.cz\/myty-spjate-s-refinancovanim-hypoteky\/","about":["Online"],"wordCount":422,"articleBody":"      Refinancov\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru je pom\u011brn\u011b novou slu\u017ebou bankovn\u00edch i nebankovn\u00edch instituc\u00ed. I z tohoto d\u016fvodu kolem refinancov\u00e1n\u00ed koluje st\u00e1le \u0159ada m\u00fdt\u016f a polopravd. Poj\u010fme si proto alespo\u0148 n\u011bkter\u00e9 v tomto \u010dl\u00e1nku vyvr\u00e1tit. S koncem obdob\u00ed fixace st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho \u00fav\u011bru byste m\u011bli dostat vyrozum\u011bn\u00ed od st\u00e1vaj\u00edc\u00edho poskytovatele, kter\u00fd navrhuje nov\u00e9 podm\u00ednky na dal\u0161\u00ed fixn\u00ed obdob\u00ed. Pokud s nov\u011b nastaven\u00fdmi podm\u00ednkami souhlas\u00edte, nic z\u00e1sadn\u00edho se pro v\u00e1s nem\u011bn\u00ed. Situace je odli\u0161n\u00e1 v p\u0159\u00edpad\u011b, kdy se rozhodnete d\u00e1le ve spl\u00e1cen\u00ed nepokra\u010dovat a sv\u016fj st\u00e1vaj\u00edc\u00ed hypote\u010dn\u00ed \u00fav\u011br refinancovat. Refinancov\u00e1n\u00ed hypot\u00e9ky je v\u00fdhodn\u00e9 v p\u0159\u00edpad\u011b, kdy v\u00e1m jin\u00fd poskytovatel nab\u00eddne v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky v podob\u011b \u00farokov\u00e9 sazby, del\u0161\u00ed doby fixace \u010di zv\u00fdhodn\u011bn\u00ed dal\u0161\u00edch finan\u010dn\u00edch slu\u017eeb a produkt\u016f. Mnoho dlu\u017en\u00edk\u016f v\u0161ak neporovn\u00e1v\u00e1 nab\u00eddky od jin\u00fdch bank a rad\u011bji z\u016fst\u00e1v\u00e1 nad\u00e1le u sejn\u00e9ho v\u011b\u0159itele a spl\u00e1c\u00ed nev\u00fdhodn\u00fd \u00fav\u011br. P\u0159itom spr\u00e1vn\u00fdm refinancov\u00e1n\u00edm je mo\u017en\u00e9 u\u0161et\u0159it tis\u00edce korun ro\u010dn\u011b, co\u017e skute\u010dn\u011b nen\u00ed m\u00e1lo. Poj\u010fme si te\u010f vyvr\u00e1tit alespo\u0148 p\u00e1r m\u00fdt\u016f, kter\u00e9 mnohdy uv\u00e1d\u00ed dlu\u017en\u00edky v omyl. Refinancov\u00e1n\u00ed jen s p\u00edsemn\u00fdm souhlasem bankyRefinancov\u00e1n\u00ed hypot\u00e9ky Fahd je vlastn\u011b ve zkratce 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 v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek. Pokud se dlu\u017en\u00edk rozhodne vyu\u017e\u00edt v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddky konkurence, nen\u00ed zapot\u0159eb\u00ed \u017e\u00e1dat o svolen\u00ed st\u00e1vaj\u00edc\u00edho v\u011b\u0159itele. Minim\u00e1ln\u011b m\u011bs\u00edc p\u0159ed refinancov\u00e1n\u00edm je ale dobr\u00e9 v\u011b\u0159itele o dal\u0161\u00edm po\u010d\u00edn\u00e1n\u00ed informovat. Vysok\u00e9 pen\u00e1le za p\u0159ed\u010dasn\u00e9 splacen\u00edDal\u0161\u00ed velmi \u010dast\u00fd m\u00fdtus, pokud se rozhodnete refinancovat hypot\u00e9ku v dob\u011b fixace, st\u00e1vaj\u00edc\u00ed poskytovatel v\u00e1m nem\u016f\u017ee na\u00fa\u010dtovat \u017e\u00e1dn\u00e9 pen\u00e1le za p\u0159ed\u010dasn\u00e9 splacen\u00ed. Nen\u00ed tak zapot\u0159eb\u00ed se ob\u00e1vat, \u017ee by v\u00e1m banka na\u00fa\u010dtovala pen\u00e1le za u\u0161l\u00fd zisk, kter\u00e9 ji vzniklo p\u0159ed\u010dasn\u00fdm splacen\u00edm.                                                                                                                                                                                                                                                                                                                                                                                           4.1\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00fdty spjat\u00e9 s refinancov\u00e1n\u00edm hypot\u00e9ky","item":"https:\/\/www.ceros.cz\/myty-spjate-s-refinancovanim-hypoteky\/#breadcrumbitem"}]}]