[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.nepo.cz\/myty-ktere-koluji-kolem-refinancovani-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.nepo.cz\/myty-ktere-koluji-kolem-refinancovani-hypoteky\/","headline":"M\u00fdty, kter\u00e9 koluj\u00ed kolem refinancov\u00e1n\u00ed hypot\u00e9ky","name":"M\u00fdty, kter\u00e9 koluj\u00ed kolem refinancov\u00e1n\u00ed hypot\u00e9ky","description":"Kolem refinancov\u00e1n\u00ed hypot\u00e9ky u\u017e bylo mnoho \u0159e\u010deno a naps\u00e1no. P\u0159esto mezi lidmi st\u00e1le koluje cel\u00e1 \u0159ada m\u00fdt\u016f a polopravd, kter\u00e1 je od tohoto kroku odrazuj\u00ed. Mnoho lid\u00ed m\u00e1 refinancov\u00e1n\u00ed spojeno se slo\u017eit\u00fdm pap\u00edrov\u00e1n\u00edm a tolik nen\u00e1vid\u011bnou byrokraci\u00ed, jin\u00ed se zase myln\u011b domn\u00edvaj\u00ed, \u017ee za p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru je \u010dek\u00e1 vysok\u00e9 pen\u00e1le. V\u0161echno je ale p\u0159itom […]","datePublished":"2021-05-22","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.nepo.cz\/author\/#Person","name":"","url":"https:\/\/www.nepo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/633c8fb9866a4b0403353760c35030d9478298d226363320d7bf91cdc3dbe3b6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/633c8fb9866a4b0403353760c35030d9478298d226363320d7bf91cdc3dbe3b6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"nepo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.nepo.cz\/wp-content\/uploads\/kl%C3%AD%C4%8De%20od%20domu_10_5.jpg","url":"https:\/\/www.nepo.cz\/wp-content\/uploads\/kl%C3%AD%C4%8De%20od%20domu_10_5.jpg","height":0,"width":0},"url":"https:\/\/www.nepo.cz\/myty-ktere-koluji-kolem-refinancovani-hypoteky\/","about":["Pen\u00edze"],"wordCount":421,"articleBody":"      Kolem refinancov\u00e1n\u00ed hypot\u00e9ky u\u017e bylo mnoho \u0159e\u010deno a naps\u00e1no. P\u0159esto mezi lidmi st\u00e1le koluje cel\u00e1 \u0159ada m\u00fdt\u016f a polopravd, kter\u00e1 je od tohoto kroku odrazuj\u00ed. Mnoho lid\u00ed m\u00e1 refinancov\u00e1n\u00ed spojeno se slo\u017eit\u00fdm pap\u00edrov\u00e1n\u00edm a tolik nen\u00e1vid\u011bnou byrokraci\u00ed, jin\u00ed se zase myln\u011b domn\u00edvaj\u00ed, \u017ee za p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru je \u010dek\u00e1 vysok\u00e9 pen\u00e1le. V\u0161echno je ale p\u0159itom docela jinak! Refinancov\u00e1n\u00ed hypot\u00e9ky je ve zkratce vlastn\u011b splacen\u00ed st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho \u00fav\u011bru \u00fav\u011brem nov\u00fdm. Ten je v\u0161ak mnohdy pro dlu\u017en\u00edka sjedn\u00e1n za v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek. Mezi kter\u00e9 pat\u0159\u00ed prim\u00e1rn\u011b v\u00fd\u0161e \u00farokov\u00e9 sazby, doba spl\u00e1cen\u00ed nebo m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. Jakmile se tak bl\u00ed\u017e\u00ed konec sjednan\u00e9 doby fixace, dlu\u017en\u00edk m\u00e1 dv\u011b mo\u017enosti, jak postupovat. Bu\u010f bude nov\u00e9 podm\u00ednky na dal\u0161\u00ed fixn\u00ed obdob\u00ed akceptovat a \u00fav\u011br nad\u00e1le spl\u00e1cet jako doposud anebo bude proz\u00edrav\u011bj\u0161\u00ed a rozhodne se \u00fav\u011br p\u0159ed\u010dasn\u011b splatit. K tomu mu dopom\u016f\u017ee jin\u00e1 bankovn\u00ed, p\u0159\u00edpadn\u011b nebankovn\u00ed spole\u010dnost, kter\u00e1 za n\u011bj \u00fav\u011br u sou\u010dasn\u00e9ho v\u011b\u0159itele splat\u00ed a jemu nab\u00eddne v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky nov\u00e9ho \u00fav\u011bru. Najde se v\u0161ak cel\u00e1 \u0159ada \u010cech\u016f, kte\u0159\u00ed se spokoj\u00ed s aktu\u00e1ln\u00edmi podm\u00ednkami nev\u00fdhodn\u011b uzav\u0159en\u00e9ho \u00fav\u011bru. Poj\u010fme se ale te\u010f pod\u00edvat na nej\u010dast\u011bj\u0161\u00ed m\u00fdty, kter\u00e9 doprov\u00e1zej\u00ed tuto pom\u011brn\u011b novou slu\u017ebu \u0159ady bank. Refinancov\u00e1n\u00ed jen po dohod\u011b se sou\u010dasn\u00fdm v\u011b\u0159itelemPokud se dlu\u017en\u00edk p\u0159ed koncem doby fixace rozhodne vyu\u017e\u00edt v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku jin\u00e9 banky, nen\u00ed povinen m\u00edt souhlas aktu\u00e1ln\u00edho v\u011b\u0159itele. Jedin\u00e9, co je zapot\u0159eb\u00ed, je sou\u010dasn\u00e9ho v\u011b\u0159itele s dan\u00fdm z\u00e1m\u011brem obezn\u00e1mit s dostate\u010dn\u00fdm p\u0159edstihem. Uv\u00e1d\u00ed se alespo\u0148 jeden kalend\u00e1\u0159n\u00ed m\u011bs\u00edc. Vysok\u00e9 pen\u00e1le za p\u0159ed\u010dasn\u00e9 splacen\u00edDal\u0161\u00ed m\u00fdtus, kter\u00fd je spojen\u00fd s refinancov\u00e1n\u00edm hypot\u00e9ky. P\u0159itom pokud dlu\u017en\u00edk refinancuje v dob\u011b fixace, banka po n\u011bm nen\u00ed opr\u00e1vn\u011bna po\u017eadovat \u017e\u00e1dn\u00e9 pen\u00e1le za p\u0159ed\u010dasn\u00e9 splacen\u00ed. Nen\u00ed zapot\u0159eb\u00ed se tak ob\u00e1vat zbyte\u010dn\u011b vysok\u00fdch poplatk\u016f.                                                                                                                                                                                                                                                                                                                                                                                           4.2\/5 - (11 votes)        M\u00fdty, kter\u00e9 koluj\u00ed kolem refinancov\u00e1n\u00ed hypot\u00e9ky"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00fdty, kter\u00e9 koluj\u00ed kolem refinancov\u00e1n\u00ed hypot\u00e9ky","item":"https:\/\/www.nepo.cz\/myty-ktere-koluji-kolem-refinancovani-hypoteky\/#breadcrumbitem"}]}]