[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.demkovic.cz\/proc-se-spokojit-s-malem\/#Article","mainEntityOfPage":"https:\/\/www.demkovic.cz\/proc-se-spokojit-s-malem\/","headline":"Pro\u010d se spokojit s m\u00e1lem?","name":"Pro\u010d se spokojit s m\u00e1lem?","description":"Jakmile se p\u0159ibl\u00ed\u017e\u00ed doba konce fixace, je ta spr\u00e1vn\u00e1 doba uva\u017eovat o refinancov\u00e1n\u00ed. Mnoho lid\u00ed p\u0159i uzav\u00edr\u00e1n\u00ed hypot\u00e9ky \u017eije v myln\u00e9 v\u00ed\u0159e, \u017ee sehnala \u00fav\u011br s tou nejlep\u0161\u00ed \u00farokovou sazbou a za nejlep\u0161\u00edch podm\u00ednek. Ute\u010de p\u00e1r let a v\u0161echno m\u016f\u017ee […]","datePublished":"2021-01-22","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.demkovic.cz\/author\/#Person","name":"","url":"https:\/\/www.demkovic.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/06473a178d94fb830b46e277369729e9534f2612e261ec2f1ee96b672ef473e2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/06473a178d94fb830b46e277369729e9534f2612e261ec2f1ee96b672ef473e2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"demkovic.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.demkovic.cz\/wp-content\/uploads\/pod%C3%A1n%C3%AD%20rukou_10_2.jpg","url":"https:\/\/www.demkovic.cz\/wp-content\/uploads\/pod%C3%A1n%C3%AD%20rukou_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.demkovic.cz\/proc-se-spokojit-s-malem\/","about":["Ekonomika"],"wordCount":441,"articleBody":"      Jakmile se p\u0159ibl\u00ed\u017e\u00ed doba konce fixace, je ta spr\u00e1vn\u00e1 doba uva\u017eovat o refinancov\u00e1n\u00ed. Mnoho lid\u00ed p\u0159i uzav\u00edr\u00e1n\u00ed hypot\u00e9ky \u017eije v myln\u00e9 v\u00ed\u0159e, \u017ee sehnala \u00fav\u011br s tou nejlep\u0161\u00ed \u00farokovou sazbou a za nejlep\u0161\u00edch podm\u00ednek. Ute\u010de p\u00e1r let a v\u0161echno m\u016f\u017ee b\u00fdt jinak. Najednou se v z\u00e1plav\u011b nab\u00eddek nov\u00fdch, st\u00e1vaj\u00edc\u00ed hypote\u010dn\u00ed \u00fav\u011br st\u00e1v\u00e1 nev\u00fdhodn\u00fdm. P\u0159ibli\u017en\u011b t\u0159i m\u011bs\u00edce p\u0159ed koncem pevn\u011b stanoven\u00e9 \u00farokov\u00e9 sazby v\u00e1s st\u00e1vaj\u00edc\u00ed v\u011b\u0159itel obezn\u00e1m\u00ed s nov\u00fdmi podm\u00ednkami, kter\u00e9 budou plynout ze zapo\u010dnut\u00ed dal\u0161\u00edho fixn\u00edho obdob\u00ed. V takov\u00e9m p\u0159\u00edpad\u011b se nab\u00edz\u00ed dv\u011b mo\u017enosti. Bu\u010f budete nad\u00e1le spl\u00e1cet st\u00e1vaj\u00edc\u00ed \u00fav\u011br dan\u00e9mu v\u011b\u0159iteli, nebo v\u00e1s zaujme nab\u00eddka od nov\u00e9ho a rozhodnete se st\u00e1vaj\u00edc\u00ed \u00fav\u011br refinancovat. Je\u0161t\u011b ne\u017e se do takov\u00e9 akce rozhodnete j\u00edt, zkuste vyjednat podm\u00ednky se st\u00e1vaj\u00edc\u00edm poskytovatelem. Refinancov\u00e1n\u00ed se vyplat\u00ed hlavn\u011b v p\u0159\u00edpadech, kdy jin\u00e9 banky nab\u00edz\u00ed v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00ed \u00farokovou sazbu nebo zv\u00fdhodn\u011bn\u00ed dal\u0161\u00edch finan\u010dn\u00edch produkt\u016f a slu\u017eeb. \u0158ada \u010cech\u016f se v\u0161ak st\u00e1le refinancov\u00e1n\u00ed ob\u00e1v\u00e1 a to hlavn\u011b z d\u016fvodu nejr\u016fzn\u011bj\u0161\u00edch m\u00fdt\u016f a polopravd, kter\u00e9 kolem refinancov\u00e1n\u00ed koluj\u00ed. I nad\u00e1le tak z\u016fst\u00e1vaj\u00ed u stejn\u00e9ho v\u011b\u0159itele, i kdy\u017e ve v\u00fdsledku zaplat\u00ed daleko v\u00edce ne\u017e by museli. Bez souhlasu aktu\u00e1ln\u00edho v\u011b\u0159itele nelze refinancovatRefinancov\u00e1n\u00ed je ve zkratce p\u0159ed\u010dasn\u00e9 splacen\u00ed st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho \u00fav\u011bru \u00fav\u011brem nov\u00fdm od jin\u00e9ho poskytovatele. Pokud se tedy z jak\u00e9hokoliv d\u016fvodu rozhodnete pro refinancov\u00e1n\u00ed hypot\u00e9ky, rozhodn\u011b k tomu nepot\u0159ebujete souhlas v\u011b\u0159itele. Posta\u010d\u00ed obezn\u00e1men\u00ed o refinancov\u00e1n\u00ed p\u0159ibli\u017en\u011b m\u011bs\u00edc p\u0159edem. Vysok\u00e9 pen\u00e1le za p\u0159ed\u010dasn\u00e9 splacen\u00edPokud je va\u0161e hypot\u00e9ka pr\u00e1v\u011b v dob\u011b fixace, p\u0159ed\u010dasn\u00e9 splacen\u00ed takov\u00e9ho \u00fav\u011bru je pro dlu\u017en\u00edka bez \u017e\u00e1dn\u00fdch sankc\u00ed a poplatk\u016f. Nen\u00ed se v\u0161ak pot\u0159eba ob\u00e1vat, \u017ee si banka na\u00fa\u010dtuje nap\u0159\u00edklad u\u0161l\u00fd zisk nebo \u00faroky plynouc\u00ed z p\u0159ed\u010dasn\u00e9ho splacen\u00ed.Refinancov\u00e1n\u00ed jen na konci fixaceZ\u00e1kon jasn\u011b dokl\u00e1d\u00e1, \u017ee hypote\u010dn\u00ed \u00fav\u011br je mo\u017en\u00e9 splatit kdykoliv, tedy i v dob\u011b, kdy nen\u00ed pevn\u011b sv\u00e1z\u00e1n fixac\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d se spokojit s m\u00e1lem?","item":"https:\/\/www.demkovic.cz\/proc-se-spokojit-s-malem\/#breadcrumbitem"}]}]