[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cyclura.cz\/myty-ohledne-refinancovani-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.cyclura.cz\/myty-ohledne-refinancovani-hypoteky\/","headline":"M\u00fdty ohledn\u011b refinancov\u00e1n\u00ed hypot\u00e9ky","name":"M\u00fdty ohledn\u011b refinancov\u00e1n\u00ed hypot\u00e9ky","description":"Refinancov\u00e1n\u00ed hypot\u00e9ky je spojeno s celou \u0159adou m\u00fdt\u016f a polopravd. P\u0159itom spr\u00e1vn\u00fdm refinancov\u00e1n\u00edm se d\u00e1 u\u0161et\u0159it i n\u011bkolik tis\u00edc korun ro\u010dn\u011b. N\u011bkte\u0159\u00ed lid\u00e9 v\u0161ak rad\u011bji nad\u00e1le spl\u00e1c\u00ed nev\u00fdhodn\u00fd \u00fav\u011br, nebo\u0165 se ob\u00e1vaj\u00ed p\u0159\u00edli\u0161 slo\u017eit\u00e9...","datePublished":"2020-09-21","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.cyclura.cz\/author\/#Person","name":"cyclura.cz\n","url":"https:\/\/www.cyclura.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8e6cbe5510d042e6a0b15162e198f2fd22eed76a4b5a1734d2174c652daccabc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8e6cbe5510d042e6a0b15162e198f2fd22eed76a4b5a1734d2174c652daccabc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cyclura.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/cyclura.cz\/wp-content\/uploads\/uzav%C5%99en%C3%AD%20smlouvy_10_3.jpg","url":"https:\/\/cyclura.cz\/wp-content\/uploads\/uzav%C5%99en%C3%AD%20smlouvy_10_3.jpg","height":"","width":""},"url":"https:\/\/www.cyclura.cz\/myty-ohledne-refinancovani-hypoteky\/","about":["Neza\u0159azen\u00e9"],"wordCount":424,"articleBody":"      Refinancov\u00e1n\u00ed hypot\u00e9ky je spojeno s celou \u0159adou m\u00fdt\u016f a polopravd. P\u0159itom spr\u00e1vn\u00fdm refinancov\u00e1n\u00edm se d\u00e1 u\u0161et\u0159it i n\u011bkolik tis\u00edc korun ro\u010dn\u011b. N\u011bkte\u0159\u00ed lid\u00e9 v\u0161ak rad\u011bji nad\u00e1le spl\u00e1c\u00ed nev\u00fdhodn\u00fd \u00fav\u011br, nebo\u0165 se ob\u00e1vaj\u00ed p\u0159\u00edli\u0161 slo\u017eit\u00e9 byrokracie \u010di pap\u00edrov\u00e1n\u00ed. Jak je tomu ale doopravdy? Poj\u010fme si vyvr\u00e1tit n\u011bkolik m\u00fdt\u016f a polopravd, kter\u00e9 se b\u011b\u017en\u011b poj\u00ed se slovem \u201erefinancov\u00e1n\u00ed\u201c. S nadch\u00e1zej\u00edc\u00edm koncem fixace m\u00e1 dlu\u017en\u00edk dv\u011b mo\u017enosti. Bu\u010f k\u00fdvne na novou nab\u00eddku ze strany aktu\u00e1ln\u00edho v\u011b\u0159itele pro nov\u00e9 fixn\u00ed obdob\u00ed, nebo se rozhodne poohl\u00e9dnout jinde. V tu chv\u00edli p\u0159ich\u00e1z\u00ed na sc\u00e9nu refinancov\u00e1n\u00ed. Jedn\u00e1 se vlastn\u011b o p\u0159ed\u010dasn\u00e9 splacen\u00ed st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho \u00fav\u011bru \u00fav\u011brem nov\u00fdm, sjednan\u00fdm za v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek pro dlu\u017en\u00edka. Spr\u00e1vn\u00fd \u010das na refinancov\u00e1n\u00ed tedy p\u0159ich\u00e1z\u00ed ve chv\u00edli, kdy v\u00e1m jin\u00fd poskytovatel nab\u00eddne v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky (ni\u017e\u0161\u00ed \u00farokovou sazbu, del\u0161\u00ed dobu spl\u00e1cen\u00ed \u010di men\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky).M\u00fdtus \u010d\u00edslo 1: Refinancovat je mo\u017en\u00e9 jen se souhlasem aktu\u00e1ln\u00edho v\u011b\u0159itelePokud se dlu\u017en\u00edk rozhodne sv\u016fj st\u00e1vaj\u00edc\u00ed \u00fav\u011br refinancovat, aktu\u00e1ln\u00ed v\u011b\u0159itel mu v tom nem\u016f\u017ee br\u00e1nit. Nen\u00ed zapot\u0159eb\u00ed \u017e\u00e1dn\u00fd souhlas, v r\u00e1mci udr\u017een\u00ed dobr\u00fdch vztah\u016f je ov\u0161em dobr\u00e9 v\u011b\u0159itele informovat o skute\u010dnosti, \u017ee \u00fav\u011br bude p\u0159ed\u010dasn\u011b splacen. Tento z\u00e1m\u011br je dobr\u00e9 ozn\u00e1mit bance alespo\u0148 s m\u011bs\u00ed\u010dn\u00edm p\u0159edstihem. M\u00fdtus \u010d\u00edslo 2: Vysok\u00e9 pen\u00e1le za p\u0159ed\u010dasn\u00e9 splacen\u00edRefinancov\u00e1n\u00ed hypot\u00e9ky v dob\u011b fixace je zcela zdarma. V\u011b\u0159itel tud\u00ed\u017e nem\u00e1 \u017e\u00e1dn\u00e9 opr\u00e1vn\u011bn\u00ed se po dlu\u017en\u00edkovi dom\u00e1hat u\u0161l\u00e9ho zisku, kter\u00fd byl zap\u0159\u00ed\u010din\u011bn p\u0159ed\u010dasn\u00fdm splacen\u00edm. M\u00fdtus \u010d\u00edslo 3: Refinancov\u00e1n\u00ed je mo\u017en\u00e9 jen na konci fixaceJe sice pravda, \u017ee refinancov\u00e1n\u00ed je nejv\u00fdhodn\u011bj\u0161\u00ed pr\u00e1v\u011b konce fixace, ov\u0161em to neznamen\u00e1, \u017ee nen\u00ed mo\u017en\u00e9 p\u0159ed\u010dasn\u011b splatit \u00fav\u011br t\u00e9m\u011b\u0159 kdykoliv. Mimo obdob\u00ed fixace ov\u0161em p\u0159ed\u010dasn\u00e9 splacen\u00ed podl\u00e9h\u00e1 finan\u010dn\u00ed kompenzaci u\u0161l\u00fdch zisk\u016f. V\u00fd\u0161e t\u00e9to \u010d\u00e1stky se li\u0161\u00ed banku od banky.                                                                                                                                                                                                                                                                                                                                                                                           4.5\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00fdty ohledn\u011b refinancov\u00e1n\u00ed hypot\u00e9ky","item":"https:\/\/www.cyclura.cz\/myty-ohledne-refinancovani-hypoteky\/#breadcrumbitem"}]}]