[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/allcb.cz\/caste-myty-ohledne-refinancovani-hypoteky\/#Article","mainEntityOfPage":"https:\/\/allcb.cz\/caste-myty-ohledne-refinancovani-hypoteky\/","headline":"\u010cast\u00e9 m\u00fdty ohledn\u011b refinancov\u00e1n\u00ed hypot\u00e9ky","name":"\u010cast\u00e9 m\u00fdty ohledn\u011b refinancov\u00e1n\u00ed hypot\u00e9ky","description":"P\u0159em\u00fd\u0161l\u00edte o refinancov\u00e1n\u00ed hypot\u00e9ky, ale boj\u00edte se p\u0159\u00edli\u0161 vysok\u00e9ho pen\u00e1le za p\u0159ed\u010dasn\u00e9 splacen\u00ed, zbyte\u010dn\u00e9ho pap\u00edrov\u00e1n\u00ed nebo byrokracie? Ohledn\u011b refinancov\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru koluje cel\u00e1 \u0159ada m\u00fdt\u016f a polopravd, kter\u00e9 je zapot\u0159eb\u00ed jednou prov\u017edy vyvr\u00e1tit. Poj\u010fme se spole\u010dn\u011b pod\u00edvat na ty nej\u010dast\u011bj\u0161\u00ed, kter\u00e9 jste mo\u017en\u00e1 zaslechli i vy. P\u0159ibli\u017en\u011b t\u0159i m\u011bs\u00edce p\u0159ed koncem fixn\u00edho obdob\u00ed \u00farokov\u00e9 sazby […]","datePublished":"2021-01-22","dateModified":"2021-01-22","author":{"@type":"Person","@id":"https:\/\/allcb.cz\/author\/#Person","name":"","url":"https:\/\/allcb.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"allcb.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/allcb.cz\/wp-content\/uploads\/mu%C5%BE%20na%20po%C4%8D%C3%ADta%C4%8Di_1.jpg","url":"https:\/\/allcb.cz\/wp-content\/uploads\/mu%C5%BE%20na%20po%C4%8D%C3%ADta%C4%8Di_1.jpg","height":0,"width":0},"url":"https:\/\/allcb.cz\/caste-myty-ohledne-refinancovani-hypoteky\/","about":["Online"],"wordCount":412,"articleBody":"         P\u0159em\u00fd\u0161l\u00edte o refinancov\u00e1n\u00ed hypot\u00e9ky, ale boj\u00edte se p\u0159\u00edli\u0161 vysok\u00e9ho pen\u00e1le za p\u0159ed\u010dasn\u00e9 splacen\u00ed, zbyte\u010dn\u00e9ho pap\u00edrov\u00e1n\u00ed nebo byrokracie? Ohledn\u011b refinancov\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru koluje cel\u00e1 \u0159ada m\u00fdt\u016f a polopravd, kter\u00e9 je zapot\u0159eb\u00ed jednou prov\u017edy vyvr\u00e1tit. Poj\u010fme se spole\u010dn\u011b pod\u00edvat na ty nej\u010dast\u011bj\u0161\u00ed, kter\u00e9 jste mo\u017en\u00e1 zaslechli i vy. P\u0159ibli\u017en\u011b t\u0159i m\u011bs\u00edce p\u0159ed koncem fixn\u00edho obdob\u00ed \u00farokov\u00e9 sazby je dlu\u017en\u00edk obezn\u00e1men s nov\u00fdmi podm\u00ednkami na dal\u0161\u00ed fixn\u00ed obdob\u00ed. V tuto chv\u00edli m\u00e1 dlu\u017en\u00edk dv\u011b mo\u017enosti, bu\u010f p\u0159ijme podm\u00ednky v\u011b\u0159itele a nad\u00e1le bude spl\u00e1cet jako doposud nebo se rozhodne refinancovat a p\u0159ej\u00edt k jin\u00e9mu v\u011b\u0159iteli. Refinancov\u00e1n\u00ed by m\u011blo nastat ve chv\u00edli, kdy jin\u00e1 banka nab\u00eddne v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky v podob\u011b ni\u017e\u0161\u00ed \u00farokov\u00e9 sazby \u010di zv\u00fdhodn\u011bn\u00ed u jin\u00fdch dopl\u0148kov\u00fdch produkt\u016f nebo slu\u017eeb. I dnes se v\u0161ak najde \u0159ada \u010cech\u016f, kte\u0159\u00ed nesrovn\u00e1vaj\u00ed nab\u00eddky ostatn\u00edch poskytovatel\u016f a i nad\u00e1le spl\u00e1c\u00ed st\u00e1vaj\u00edc\u00ed hypote\u010dn\u00ed \u00fav\u011br, i kdy\u017e by v p\u0159\u00edpad\u011b refinancov\u00e1n\u00ed mohli v\u00fdrazn\u011b u\u0161et\u0159it. U\u0161et\u0159it lze p\u0159itom opravdu hodn\u011b!M\u00fdty spojen\u00e9 s refinancov\u00e1n\u00edmRefinancov\u00e1n\u00ed jen se souhlasem v\u011b\u0159iteleRefinancov\u00e1n\u00ed hypot\u00e9ky je ve zkratce vlastn\u011b splacen\u00ed aktu\u00e1ln\u00edho hypote\u010dn\u00edho \u00fav\u011bru \u00fav\u011brem nov\u00fdm, kter\u00fd je sjedn\u00e1n za lep\u0161\u00edch podm\u00ednek pro dlu\u017en\u00edka. Pokud se tedy z jak\u00e9hokoliv d\u016fvodu rozhodn\u011b dlu\u017en\u00edk sv\u016fj b\u011b\u017e\u00edc\u00ed \u00fav\u011br refinancovat, m\u016f\u017ee tak u\u010dinit i bez souhlasu v\u011b\u0159itele. Je ale zapot\u0159eb\u00ed v\u011b\u0159itele o tomto kroku informovat s dostate\u010dn\u00fdm p\u0159edstihem (min. 30 dn\u016f p\u0159ed koncem fixace). Vysok\u00e9 sank\u010dn\u00ed poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00edPokud se hypot\u00e9ka nach\u00e1z\u00ed v obdob\u00ed fixace, je p\u0159ed\u010dasn\u00e9 splacen\u00ed takov\u00e9ho \u00fav\u011bru pro dlu\u017en\u00edka zcela zdarma. Banka si tedy nesm\u00ed \u00fa\u010dtovat \u017e\u00e1dn\u00e9 poplatky za u\u0161l\u00fd zisk, o kter\u00fd p\u0159i\u0161la v d\u016fsledku p\u0159ed\u010dasn\u00e9ho splacen\u00ed. Aktu\u00e1ln\u011b je refinancov\u00e1n\u00ed mimo obdob\u00ed fixace zpoplatn\u011bno, ov\u0161em u \u0159ady bank je to v \u0159\u00e1du stokorun.                                                                                                                                                                                                                                                                                                                                                                                                   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