[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.clanroy.cz\/co-je-potreba-vedet-o-refinancovani-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.clanroy.cz\/co-je-potreba-vedet-o-refinancovani-hypoteky\/","headline":"Co je pot\u0159eba v\u011bd\u011bt o refinancov\u00e1n\u00ed hypot\u00e9ky?","name":"Co je pot\u0159eba v\u011bd\u011bt o refinancov\u00e1n\u00ed hypot\u00e9ky?","description":"Refinancov\u00e1n\u00ed hypot\u00e9ky je vlastn\u011b ve zkratce p\u0159ed\u010dasn\u00e9 splacen\u00ed aktu\u00e1ln\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. To znamen\u00e1 <a class=\"mh-excerpt-more\" href=\"https:\/\/www.clanroy.cz\/co-je-potreba-vedet-o-refinancovani-hypoteky\/\" title=\"Co je pot\u0159eba v\u011bd\u011bt o refinancov\u00e1n\u00ed hypot\u00e9ky?\">[...]<\/a>","datePublished":"2021-08-23","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.clanroy.cz\/author\/#Person","name":"","url":"https:\/\/www.clanroy.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9994033610bfa8d5c75e7c2dd1b5bdd54900f4ed2e7e5c6722d4887246e31af4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9994033610bfa8d5c75e7c2dd1b5bdd54900f4ed2e7e5c6722d4887246e31af4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"clanroy.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.clanroy.cz\/wp-content\/uploads\/pod%C3%A1n%C3%AD%20rukou_10_10_9.jpg","url":"https:\/\/www.clanroy.cz\/wp-content\/uploads\/pod%C3%A1n%C3%AD%20rukou_10_10_9.jpg","height":0,"width":0},"url":"https:\/\/www.clanroy.cz\/co-je-potreba-vedet-o-refinancovani-hypoteky\/","about":["Finance"],"wordCount":422,"articleBody":"      Refinancov\u00e1n\u00ed hypot\u00e9ky je vlastn\u011b ve zkratce p\u0159ed\u010dasn\u00e9 splacen\u00ed aktu\u00e1ln\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. To znamen\u00e1 jedin\u00e9, refinancov\u00e1n\u00ed hypot\u00e9ky se vyplat\u00ed ve chv\u00edli, kdy v\u00e1m jin\u00e1 banka nab\u00eddne v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky. Za ty se m\u016f\u017ee pova\u017eovat ni\u017e\u0161\u00ed \u00farokov\u00e1 sazba, del\u0161\u00ed doba fixace \u010di spl\u00e1cen\u00ed, ni\u017e\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka anebo zv\u00fdhodn\u011bn\u00ed dal\u0161\u00edch bankovn\u00edch produkt\u016f. V sou\u010dasn\u00e9 dob\u011b je mo\u017en\u00e9 hypot\u00e9ku refinancovat kdykoliv, ov\u0161em v dob\u011b fixace je to p\u0159eci jenom v\u00fdhodn\u011bj\u0161\u00ed. Kdy je spr\u00e1vn\u00fd \u010das na refinancov\u00e1n\u00ed? Refinancov\u00e1n\u00ed hypot\u00e9ky se \u0159ada lid\u00ed ob\u00e1v\u00e1, nebo\u0165 se boj\u00ed slo\u017eit\u00e9ho pap\u00edrov\u00e1n\u00ed a byrokracie. Ov\u0161em t\u00edmto rozhodnut\u00edm se mnohdy okr\u00e1daj\u00ed o tis\u00edce korun ro\u010dn\u011b, kter\u00e9 by refinancov\u00e1n\u00edm z\u00edskali. Je to z d\u016fvodu prom\u011bnliv\u00e9 \u00farokov\u00e9 sazby, kter\u00e1 se m\u011bn\u00ed v z\u00e1vislosti na ekonomick\u00e9 situaci v zemi \u010di konkurenci ostatn\u00edch poskytovatel\u016f \u00fav\u011br\u016f. Je\u0161t\u011b p\u0159ed uplynut\u00edm aktu\u00e1ln\u00edho fixn\u00edho obdob\u00ed by v\u00e1s m\u011bl v\u011b\u0159itel kontaktovat s nab\u00eddkou na dal\u0161\u00ed obdob\u00ed fixace. Pokud s nov\u011b nastaven\u00fdmi podm\u00ednkami souhlas\u00edte, nic se pro v\u00e1s nem\u011bn\u00ed. I nad\u00e1le budete spl\u00e1cet aktu\u00e1ln\u00ed \u00fav\u011br bez v\u011bt\u0161\u00edch zm\u011bn. Ov\u0161em pokud s nov\u00fdmi podm\u00ednkami nesouhlas\u00edte, je skv\u011bl\u00fd \u010das st\u00e1vaj\u00edc\u00ed \u00fav\u011br refinancovat. To je v sou\u010dasnosti mo\u017en\u00e9 kdykoliv, p\u0159eci jenom se vyplat\u00ed refinancovat sp\u00ed\u0161e v obdob\u00ed fixace, kdy v\u00e1m v\u011b\u0159itel nen\u00ed opr\u00e1vn\u011bn na\u00fa\u010dtovat pen\u00e1le \u010di u\u0161l\u00fd zik za p\u0159ed\u010dasn\u00e9 splacen\u00ed. O va\u0161em z\u00e1m\u011bru by m\u011bl aktu\u00e1ln\u00ed v\u011b\u0159itel v\u011bd\u011bt alespo\u0148 m\u011bs\u00edc dop\u0159edu. Tato oznamovac\u00ed povinnost v\u0161ak nen\u00ed podm\u00edn\u011bna souhlasem aktu\u00e1ln\u00edho v\u011b\u0159itele. Pokud v\u00e1m jin\u00e1 banka \u010di nebankovn\u00ed subjekt nab\u00eddl v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky, nen\u00ed zapot\u0159eb\u00ed i nad\u00e1le platit nev\u00fdhodn\u011bj\u0161\u00ed \u00fav\u011br. M\u011bjte na pam\u011bti, \u017ee refinancov\u00e1n\u00edm se d\u00e1 u\u0161et\u0159it tis\u00edce ro\u010dn\u011b, pro\u010d tedy p\u0159etrv\u00e1vat u nev\u00fdhodn\u00e9ho poskytovatele a platit zbyte\u010dn\u00e9 finance nav\u00edc?                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co je pot\u0159eba v\u011bd\u011bt o refinancov\u00e1n\u00ed hypot\u00e9ky?","item":"https:\/\/www.clanroy.cz\/co-je-potreba-vedet-o-refinancovani-hypoteky\/#breadcrumbitem"}]}]