[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rychlajehla.cz\/blizi-se-konec-fixace-co-ted\/#Article","mainEntityOfPage":"https:\/\/www.rychlajehla.cz\/blizi-se-konec-fixace-co-ted\/","headline":"Bl\u00ed\u017e\u00ed se konec fixace, co te\u010f?","name":"Bl\u00ed\u017e\u00ed se konec fixace, co te\u010f?","description":"O refinancov\u00e1n\u00ed se ka\u017edoro\u010dn\u011b zaj\u00edm\u00e1 tis\u00edce \u010cech\u016f a nen\u00ed se \u010demu divit. Jedn\u00e1 se o vcelku jednoduch\u00fd zp\u016fsob jak ka\u017edoro\u010dn\u011b u\u0161et\u0159it i n\u011bkolik tis\u00edc korun, kter\u00e9 lze vz\u00e1p\u011bt\u00ed pou\u017e\u00edt smyslupln\u011bji ne\u017e na spl\u00e1cen\u00ed hypote\u010dn\u00edho \u00fav\u011bru. Hlavn\u00edm c\u00edlem, kter\u00fd vede ka\u017edoro\u010dn\u011b stovky, ba tis\u00edce lid\u00ed k refinancov\u00e1n\u00ed jsou v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky v podob\u011b ni\u017e\u0161\u00ed \u00farokov\u00e9 sazby, krat\u0161\u00ed&hellip; <br> <a class=\"read-more\" href=\"https:\/\/www.rychlajehla.cz\/blizi-se-konec-fixace-co-ted\/\">V\u00edce<\/a>","datePublished":"2021-02-18","dateModified":"2023-05-25","author":{"@type":"Person","@id":"https:\/\/www.rychlajehla.cz\/author\/#Person","name":"","url":"https:\/\/www.rychlajehla.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rychlajehla.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rychlajehla.cz\/wp-content\/uploads\/puzzle%20d%C5%AFm_7.jpg","url":"https:\/\/www.rychlajehla.cz\/wp-content\/uploads\/puzzle%20d%C5%AFm_7.jpg","height":0,"width":0},"url":"https:\/\/www.rychlajehla.cz\/blizi-se-konec-fixace-co-ted\/","about":["Internet"],"wordCount":408,"articleBody":"   O refinancov\u00e1n\u00ed se ka\u017edoro\u010dn\u011b zaj\u00edm\u00e1 tis\u00edce \u010cech\u016f a nen\u00ed se \u010demu divit. Jedn\u00e1 se o vcelku jednoduch\u00fd zp\u016fsob jak ka\u017edoro\u010dn\u011b u\u0161et\u0159it i n\u011bkolik tis\u00edc korun, kter\u00e9 lze vz\u00e1p\u011bt\u00ed pou\u017e\u00edt smyslupln\u011bji ne\u017e na spl\u00e1cen\u00ed hypote\u010dn\u00edho \u00fav\u011bru. Hlavn\u00edm c\u00edlem, kter\u00fd vede ka\u017edoro\u010dn\u011b stovky, ba tis\u00edce lid\u00ed k refinancov\u00e1n\u00ed jsou v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky v podob\u011b ni\u017e\u0161\u00ed \u00farokov\u00e9 sazby, krat\u0161\u00ed doby spl\u00e1cen\u00ed nebo men\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. Jak refinancov\u00e1n\u00ed hypot\u00e9ky ale vlastn\u011b funguje a kdy se vyplat\u00ed?Refinancov\u00e1n\u00ed je hodn\u011b ovlivn\u011bno fixa\u010dn\u00ed dobou \u00farokov\u00e9 sazby, kter\u00e1 je u v\u011b\u0159itel\u016f rozd\u00edln\u00e1. Princip je ale v\u017edy stejn\u00fd, zajistit dlu\u017en\u00edkovi stejnou \u00farokovou sazbu na n\u011bkolik let, kter\u00e1 nebude podl\u00e9hat aktu\u00e1ln\u00ed ekonomick\u00e9 situaci. Toto obdob\u00ed m\u016f\u017ee trvat 5 let, n\u011bkdy dokonce a\u017e 10. Doba v\u017edy z\u00e1le\u017e\u00ed na oboustrann\u00e9 dohod\u011b mezi bankou a klientem. Klient je pak n\u011bkolik m\u011bs\u00edc\u016f p\u0159ed koncem fixce obezn\u00e1men s nov\u00fdmi podm\u00ednkami n dal\u0161\u00ed fixn\u00ed obdob\u00ed. Pokud s nimi souhlas\u00ed, nic v\u00fdznamn\u00e9ho se pro n\u011b nem\u011bn\u00ed, i nad\u00e1le bude spl\u00e1cet stejnou v\u00fd\u0161i \u00fav\u011bru aktu\u00e1ln\u00edmu v\u011b\u0159iteli. V p\u0159\u00edpad, kdy ale nen\u00ed s novou nab\u00eddkou spokojen, je ide\u00e1ln\u00ed doba na refinancov\u00e1n\u00ed. Co je refinancov\u00e1n\u00ed hypot\u00e9ky a kdy se pro n\u011bj rozhodnout?Pokud se tedy rozhodne dlu\u017en\u00edk novou nab\u00eddku od t\u00e1vaj\u00edc\u00edho v\u011b\u0159itele neakceptovat, m\u00e1 pln\u00e9 pr\u00e1vo refinancovat a p\u0159ej\u00edt k jin\u00e9mu poskytovateli. Refinancov\u00e1n\u00ed je vlastn\u011b splacen\u00ed aktu\u00e1ln\u00edho hypote\u010dn\u00edho \u00fav\u011bru \u00fav\u011brem nov\u00fdm. Ten by m\u011bl b\u00fdt sjedn\u00e1n pro dlu\u017en\u00edka za v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek, ne\u017e tomu bylo doposud. Po refinancov\u00e1n\u00ed spl\u00e1c\u00ed i nad\u00e1le stejnou v\u00fd\u0161i \u00fav\u011bru, ale za v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek. Roli pro refinancov\u00e1n\u00ed m\u016f\u017ee hr\u00e1t cel\u00e1 \u0159ada faktor\u016f, jako je v\u00fd\u0161e \u00farokov\u00e9 sazby, v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky, doba spl\u00e1cen\u00ed apod. Refinancov\u00e1n\u00ed je v\u0161ak v\u017edy nejv\u00fdhodn\u011bj\u0161\u00ed v dob\u011b fixce, nebo\u0165 v tuto dobu je mo\u017en\u00e9 p\u0159ed\u010dasn\u00e9 splacen\u00ed bez dal\u0161\u00edch poplatk\u016f a sankc\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           5\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bl\u00ed\u017e\u00ed se konec fixace, co te\u010f?","item":"https:\/\/www.rychlajehla.cz\/blizi-se-konec-fixace-co-ted\/#breadcrumbitem"}]}]