[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hc1.cz\/myty-ktera-vam-mozna-brani-v-refinancovani-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.hc1.cz\/myty-ktera-vam-mozna-brani-v-refinancovani-hypoteky\/","headline":"M\u00fdty, kter\u00e1 v\u00e1m mo\u017en\u00e1 br\u00e1n\u00ed v refinancov\u00e1n\u00ed hypot\u00e9ky","name":"M\u00fdty, kter\u00e1 v\u00e1m mo\u017en\u00e1 br\u00e1n\u00ed v refinancov\u00e1n\u00ed hypot\u00e9ky","description":"Refinancov\u00e1n\u00ed je velmi \u010dasto spojov\u00e1no s celou \u0159adou m\u00fdt\u016f a polopravd, poj\u010fme si proto […]","datePublished":"2021-10-23","dateModified":"2023-06-02","author":{"@type":"Person","@id":"https:\/\/www.hc1.cz\/author\/#Person","name":"","url":"https:\/\/www.hc1.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hc1.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.hc1.cz\/wp-content\/uploads\/money-g37662abf8_640.jpg","url":"https:\/\/www.hc1.cz\/wp-content\/uploads\/money-g37662abf8_640.jpg","height":0,"width":0},"url":"https:\/\/www.hc1.cz\/myty-ktera-vam-mozna-brani-v-refinancovani-hypoteky\/","about":["Finance"],"wordCount":430,"articleBody":"   Refinancov\u00e1n\u00ed je velmi \u010dasto spojov\u00e1no s celou \u0159adou m\u00fdt\u016f a polopravd, poj\u010fme si proto dnes alespo\u0148 n\u011bkter\u00e9 z nich vyvr\u00e1tit. \u0158ada lid\u00ed se nap\u0159\u00edklad myln\u011b domn\u00edv\u00e1, \u017ee refinancov\u00e1n\u00ed je sv\u00e1z\u00e1no s nen\u00e1vid\u011bnou byrokraci\u00ed a slo\u017eit\u00fdm pap\u00edrov\u00e1n\u00edm, p\u0159i p\u0159ed\u010dasn\u00e9m splacen\u00ed bude banka vy\u017eadovat vysok\u00e9 pen\u00e1le nebo \u017ee refinancov\u00e1n\u00edm je mo\u017en\u00e9 u\u0161et\u0159it jen minim\u00e1ln\u011b. P\u0159ed koncem fixace hypote\u010dn\u00edho \u00fav\u011bru, je mo\u017en\u00e9 postupovat dv\u011bma zp\u016fsoby. Bu\u010f p\u0159ijmete nov\u011b nastaven\u00e9 podm\u00ednky na dal\u0161\u00ed fixn\u00ed obdob\u00ed, nebo se je rozhodnete neakceptovat. V takov\u00e9m p\u0159\u00edpad\u011b, je ten spr\u00e1vn\u00fd \u010das na refinancov\u00e1n\u00ed. J ale zapot\u0159eb\u00ed naj\u00edt nab\u00eddku od jin\u00e9ho poskytovatele \u00fav\u011bru, kter\u00fd v\u00e1m nab\u00eddne v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky. Ty mohou tkv\u011bt v ni\u017e\u0161\u00ed \u00farokov\u00e9 sazb\u011b, n\u00ed\u017ee nastaven\u00fdch spl\u00e1tk\u00e1ch \u010di zv\u00fdhodn\u011bn\u00ed dal\u0161\u00edch slu\u017eeb. Mnoho \u010cech\u016f v\u0161ak dlouhodob\u011b nesleduje aktu\u00e1ln\u00ed situaci a neorientuje se v nab\u00eddk\u00e1ch ostatn\u00edch bank. Rad\u011bji i nad\u00e1le spl\u00e1c\u00ed nev\u00fdhodn\u00fd hypote\u010dn\u00ed \u00fav\u011br, ke kter\u00e9mu se uv\u00e1zali. Jen\u017ee pr\u00e1v\u011b spr\u00e1vn\u00fdm refinancov\u00e1n\u00edm je mo\u017en\u00e9 u\u0161et\u0159it a\u017e tis\u00edce korun ro\u010dn\u011b. Refinancov\u00e1n\u00ed jen se souhlasem aktu\u00e1ln\u00edho v\u011b\u0159iteleRefinancov\u00e1n\u00ed hypot\u00e9ky je vlastn\u011b ve zkratce splacen\u00ed st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho \u00fav\u011bru \u00fav\u011brem nov\u00fdm, kter\u00fd je pro dlu\u017en\u00edka uzav\u0159en za v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek. Pokud se rozhodnete vyu\u017e\u00edt v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku od jin\u00e9ho poskytovatele \u00fav\u011br\u016f, nen\u00ed zapot\u0159eb\u00ed m\u00edt k tomu souhlas aktu\u00e1ln\u00edho v\u011b\u0159itele. Je ale zapot\u0159eb\u00ed ho obezn\u00e1mit o sv\u00e9m dal\u0161\u00edm po\u010d\u00edn\u00e1n\u00ed alespo\u0148 30 dn\u00ed p\u0159ed koncem fixace hypot\u00e9ky. Vysok\u00e9 pen\u00e1le za p\u0159ed\u010dasn\u00e9 splacen\u00edPokud je refinancov\u00e1n\u00ed uskute\u010dn\u011bno v dob\u011b fixace, st\u00e1vaj\u00edc\u00ed v\u011b\u0159itel nen\u00ed opr\u00e1vn\u011bn dlu\u017en\u00edkovi na\u00fa\u010dtovat jak\u00e9koliv pen\u00e1le \u010di u\u0161l\u00fd zisk, kter\u00fd mu vznikl s ohledem na p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru. Refinancovat st\u00e1vaj\u00edc\u00ed hypote\u010dn\u00ed \u00fav\u011br je ale podle z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru mo\u017en\u00e9 kdykoliv. Mimo obdob\u00ed fixace ale banka m\u016f\u017ee po\u017eadovat zaplatit \u00fahradu vynalo\u017een\u00fdch n\u00e1klad\u016f.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (16 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00fdty, kter\u00e1 v\u00e1m mo\u017en\u00e1 br\u00e1n\u00ed v refinancov\u00e1n\u00ed hypot\u00e9ky","item":"https:\/\/www.hc1.cz\/myty-ktera-vam-mozna-brani-v-refinancovani-hypoteky\/#breadcrumbitem"}]}]