[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tapomat.cz\/kdy-prichazi-ta-spravna-chvile-na-refinancovani-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.tapomat.cz\/kdy-prichazi-ta-spravna-chvile-na-refinancovani-hypoteky\/","headline":"Kdy p\u0159ich\u00e1z\u00ed ta spr\u00e1vn\u00e1 chv\u00edle na refinancov\u00e1n\u00ed hypot\u00e9ky?","name":"Kdy p\u0159ich\u00e1z\u00ed ta spr\u00e1vn\u00e1 chv\u00edle na refinancov\u00e1n\u00ed hypot\u00e9ky?","description":"Refinancov\u00e1n\u00ed hypot\u00e9ky je pom\u011brn\u011b novinkou s p\u0159ihl\u00eddnut\u00edm na dal\u0161\u00ed \u00fav\u011brov\u00e9 slu\u017eby. Mnoho lid\u00ed se v\u0161ak refinancovat sv\u016fj st\u00e1vaj\u00edc\u00ed \u00fav\u011br st\u00e1le…","datePublished":"2021-10-23","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.tapomat.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.tapomat.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tapomat.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tapomat.cz\/wp-content\/uploads\/house-gc5f0a1602_640.jpg","url":"https:\/\/www.tapomat.cz\/wp-content\/uploads\/house-gc5f0a1602_640.jpg","height":0,"width":0},"url":"https:\/\/www.tapomat.cz\/kdy-prichazi-ta-spravna-chvile-na-refinancovani-hypoteky\/","about":["Www"],"wordCount":432,"articleBody":"   Refinancov\u00e1n\u00ed hypot\u00e9ky je pom\u011brn\u011b novinkou s p\u0159ihl\u00eddnut\u00edm na dal\u0161\u00ed \u00fav\u011brov\u00e9 slu\u017eby. Mnoho lid\u00ed se v\u0161ak refinancovat sv\u016fj st\u00e1vaj\u00edc\u00ed \u00fav\u011br st\u00e1le ob\u00e1v\u00e1 a rad\u011bji nad\u00e1le spl\u00e1c\u00ed nev\u00fdhodn\u00fd \u00fav\u011br. P\u0159itom spr\u00e1vn\u00fdm refinancov\u00e1n\u00edm je mo\u017en\u00e9 v\u00fdrazn\u011b u\u0161et\u0159it, v n\u011bkter\u00fdch p\u0159\u00edpadech to jsou tis\u00edce korun ro\u010dn\u011b. Jen\u017ee kdy je vlastn\u011b ten spr\u00e1vn\u00fd \u010das na refinancov\u00e1n\u00ed? Refinancov\u00e1n\u00ed p\u0159ed koncem fixace Refinancov\u00e1n\u00edm hypot\u00e9ky se rozum\u00ed p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru \u00fav\u011brem nov\u00fdm, kter\u00fd je ov\u0161em pro dlu\u017en\u00edka sjedn\u00e1n za v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek. M\u016f\u017ee to b\u00fdt nap\u0159\u00edklad v\u00fdhodn\u011bj\u0161\u00ed \u00farokov\u00e1 sazba, del\u0161\u00ed trv\u00e1n\u00ed hypot\u00e9ky \u010di zv\u00fdhodn\u011bn\u00e1 nab\u00eddka dal\u0161\u00edch slu\u017eeb. P\u0159ed koncem by m\u011bl b\u00fdt dlu\u017en\u00edk obezn\u00e1men s nov\u00fdmi podm\u00ednkami na dal\u0161\u00ed fixn\u00ed obdob\u00ed, pokud s nimi souhlas\u00ed, nic z\u00e1sadn\u00edho se pro n\u011bj nem\u011bn\u00ed. I nad\u00e1le spl\u00e1c\u00ed hypote\u010dn\u00ed \u00fav\u011br stejn\u00e9mu v\u011b\u0159iteli. V p\u0159\u00edpad\u011b, kdy v\u0161ak s nov\u011b nastaven\u00fdmi podm\u00ednkami nen\u00ed spokojen, p\u0159ich\u00e1z\u00ed ta spr\u00e1vn\u00e1 chv\u00edle na refinancov\u00e1n\u00ed. O nab\u00eddky jin\u00fdch bankovn\u00edch i nebankovn\u00edch spole\u010dnost\u00ed byste se tak spr\u00e1vn\u011b m\u011bli zaj\u00edmat p\u0159ed koncem fixn\u00edho obdob\u00ed. S refinancov\u00e1n\u00edm hypote\u010dn\u00edho \u00fav\u011bru st\u00e1vaj\u00edc\u00ed v\u011b\u0159itel nemus\u00ed souhlasit, je zapot\u0159eb\u00ed ho v\u0161ak obezn\u00e1mit se sv\u00fdm \u00famyslem alespo\u0148 30 dn\u00ed p\u0159ed pl\u00e1novan\u00fdm refinancov\u00e1n\u00edm. Pokud stihnete refinancovat st\u00e1vaj\u00edc\u00ed \u00fav\u011br je\u0161t\u011b p\u0159ed koncem fixace, nebudete muset platit \u017e\u00e1dn\u00e9 poplatky \u010di pen\u00e1le za p\u0159ed\u010dasn\u00e9 placen\u00ed. Banka v\u00e1m tak nen\u00ed opr\u00e1vn\u011bna na\u00fa\u010dtovat u\u0161l\u00fd zisk za p\u0159ed\u010dasn\u00e9 splacen\u00ed. P\u0159ed\u010dasn\u011b splatit aktu\u00e1ln\u00ed hypote\u010dn\u00ed \u00fav\u011br \u00fav\u011brem nov\u00fdm m\u016f\u017eete samoz\u0159ejm\u011b i mimo obdob\u00ed fixace. V takov\u00e9 situaci po v\u00e1s ale bude banka s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed vym\u00e1hat \u00fahradu v\u010detn\u011b vynalo\u017een\u00fdch n\u00e1klad\u016f, kter\u00e9 j\u00ed vzniknou v souvislosti s p\u0159ed\u010dasn\u00fdm splacen\u00edm. Mnoho lid\u00ed se v\u0161ak tohoto velk\u00e9ho kroku ob\u00e1v\u00e1, p\u0159itom v\u011bt\u0161inu pr\u00e1ce za v\u00e1s odvede nov\u00fd v\u011b\u0159itel. Nen\u00ed se tedy v\u016fbec \u010deho ob\u00e1vat.                                                                                                                                                                                                                                                                                                                                                                                                   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