[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.jenta.cz\/refinancovani-hypoteky-jako-cesta-za-vyhodnejsim-uverem\/#Article","mainEntityOfPage":"https:\/\/www.jenta.cz\/refinancovani-hypoteky-jako-cesta-za-vyhodnejsim-uverem\/","headline":"Refinancov\u00e1n\u00ed hypot\u00e9ky jako cesta za v\u00fdhodn\u011bj\u0161\u00edm \u00fav\u011brem","name":"Refinancov\u00e1n\u00ed hypot\u00e9ky jako cesta za v\u00fdhodn\u011bj\u0161\u00edm \u00fav\u011brem","description":"Refinancov\u00e1n\u00ed je pom\u011brn\u011b novou slu\u017enou bank, o kterou se ale ka\u017edoro\u010dn\u011b zaj\u00edmaj\u00ed tis\u00edce \u010cech\u016f. Hlavn\u00edm c\u00edlem refinancov\u00e1n\u00ed je naj\u00edt v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky pro spl\u00e1cen\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru, co\u017e rozhodn\u011b nemus\u00ed b\u00fdt tak snadn\u00e9, jak se na prvn\u00ed pohled zd\u00e1. C\u00edlem by tedy p\u0159edev\u0161\u00edm m\u011blo b\u00fdt p\u0159ed koncem fixace naleznout v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky v podob\u011b ni\u017e\u0161\u00ed \u00farokov\u00e9 sazby a...","datePublished":"2021-01-22","dateModified":"2023-06-02","author":{"@type":"Person","@id":"https:\/\/www.jenta.cz\/author\/#Person","name":"","url":"https:\/\/www.jenta.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0dc285cbe86eecc8073f119fcb2e2c7032b51533f5bb47611c7d4a598558b8b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0dc285cbe86eecc8073f119fcb2e2c7032b51533f5bb47611c7d4a598558b8b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"jenta.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.jenta.cz\/wp-content\/uploads\/sloupec%20pen%C4%9Bz_6.jpg","url":"https:\/\/www.jenta.cz\/wp-content\/uploads\/sloupec%20pen%C4%9Bz_6.jpg","height":0,"width":0},"url":"https:\/\/www.jenta.cz\/refinancovani-hypoteky-jako-cesta-za-vyhodnejsim-uverem\/","about":["D\u016fm a zahrada"],"wordCount":447,"articleBody":" Refinancov\u00e1n\u00ed je pom\u011brn\u011b novou slu\u017enou bank, o kterou se ale ka\u017edoro\u010dn\u011b zaj\u00edmaj\u00ed tis\u00edce \u010cech\u016f. Hlavn\u00edm c\u00edlem refinancov\u00e1n\u00ed je naj\u00edt v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky pro spl\u00e1cen\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru, co\u017e rozhodn\u011b nemus\u00ed b\u00fdt tak snadn\u00e9, jak se na prvn\u00ed pohled zd\u00e1. C\u00edlem by tedy p\u0159edev\u0161\u00edm m\u011blo b\u00fdt p\u0159ed koncem fixace naleznout v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky v podob\u011b ni\u017e\u0161\u00ed \u00farokov\u00e9 sazby a na \u00fav\u011bru tak v\u00fdrazn\u011b u\u0161et\u0159it. Jak ale vlast\u011b takov\u00e9 refinancov\u00e1n\u00ed funguje, za jak\u00fdch podm\u00ednek je v\u00fdhodn\u00e9 a kdy je spr\u00e1vn\u00e1 doba na refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru?Doba fixace napov\u00ed\u2026Fixace \u00farokov\u00e9 sazby je jak\u00e9si obdob\u00ed, po kter\u00e9 je dlu\u017en\u00edkovi garantov\u00e1na nem\u011bnn\u00e1 v\u00fd\u0161e \u00farokov\u00e9 sazby. Tato doba se banku od banky li\u0161\u00ed, n\u011bkter\u00e1 fixaci \u00farokov\u00e9 sazby poskytuje na 5, jin\u00e1 na 10 let. V\u017edy z\u00e1le\u017e\u00ed na dohodnut\u00fdch podm\u00ednk\u00e1ch mezi poskytovatelem a dlu\u017en\u00edkem. N\u011bkolik m\u011bs\u00edc\u016f p\u0159ed uplynut\u00edm t\u00e9to lh\u016fty poskytovatel \u00fav\u011bru vyrozum\u00ed dlu\u017en\u00edka s nov\u00fdmi podm\u00ednkami na dal\u0161\u00ed fixn\u00ed obdob\u00ed. Pokud dlu\u017en\u00edk s takto nastaven\u00fdmi podm\u00ednkami souhlas\u00ed, je mu fixn\u00ed obdob\u00ed prodlou\u017eeno a pro n\u011bho se v z\u00e1sad\u011b nic nezm\u011bn\u00ed. Hlavn\u00ed zm\u011bnou je v tomto p\u0159\u00edpad\u011b v\u011bt\u0161inou \u00farokov\u00e1 sazba. Pokud v\u0161ak klient z jak\u00e9hokoliv d\u016fvodu novou nab\u00eddku neakceptuje, je na m\u00edst\u011b tzv. refinancov\u00e1n\u00ed hypot\u00e9ky fahd.cz. Co je refinancov\u00e1n\u00ed hypot\u00e9ky a jak\u00fd m\u00e1 pr\u016fb\u011bh?Pokud se z jak\u00e9hokoliv d\u016fvodu dlu\u017en\u00edk rozhodne na dal\u0161\u00ed fixn\u00ed obdob\u00ed nab\u00eddku v\u011b\u0159itele neakceptovat, m\u00e1 mo\u017enost splatit sv\u016fj st\u00e1vaj\u00edc\u00ed \u00fav\u011br \u00fav\u011brem nov\u00fdm. Ten mu zpravidla nab\u00eddne nov\u00fd poskytovatel za v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek. Tedy alespo\u0148 v p\u0159\u00edpad\u011b, kdy je refinancov\u00e1n\u00ed \u00fasp\u011b\u0161n\u00e9. Nov\u00fd \u00fav\u011br pak spl\u00e1c\u00ed nam\u00edsto toho p\u016fvodn\u00edho. Jak u\u017e bylo \u0159e\u010deno, refinancov\u00e1n\u00ed by pov\u011bt\u0161inou m\u011bla b\u00fdt cesta k v\u00fdhodn\u011bj\u0161\u00edm podm\u00ednk\u00e1m, jako je ni\u017e\u0161\u00ed \u00farokov\u00e1 sazba, men\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka nebo doba spl\u00e1cen\u00ed. V\u017edy v\u0161ak m\u011bjte na pam\u011bti, \u017ee refinancov\u00e1n\u00ed je v\u00fdhodn\u00e9 jen v dob\u011b skon\u010den\u00ed fixace st\u00e1vaj\u00edc\u00edho \u00fav\u011bru. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b jsou za p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru dlu\u017en\u00edkovi na\u00fa\u010dtovan\u00e9 vysok\u00e9 sankce. 4.2\/5 - (6 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Refinancov\u00e1n\u00ed hypot\u00e9ky jako cesta za v\u00fdhodn\u011bj\u0161\u00edm \u00fav\u011brem","item":"https:\/\/www.jenta.cz\/refinancovani-hypoteky-jako-cesta-za-vyhodnejsim-uverem\/#breadcrumbitem"}]}]