[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sw-style.cz\/myty-spjate-s-refinancovanim-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.sw-style.cz\/myty-spjate-s-refinancovanim-hypoteky\/","headline":"M\u00fdty spjat\u00e9 s refinancov\u00e1n\u00edm hypot\u00e9ky","name":"M\u00fdty spjat\u00e9 s refinancov\u00e1n\u00edm hypot\u00e9ky","description":"P\u0159em\u00fd\u0161l\u00edte nad refinancov\u00e1n\u00edm st\u00e1vaj\u00edc\u00edho \u00fav\u011bru? Ale nev\u00edte, za jak\u00fdch podm\u00ednek je to mo\u017en\u00e9, p\u0159\u00edpadn\u011b, zda v\u00e1m banka nena\u00fa\u010dtuje a\u017e p\u0159\u00edli\u0161…","datePublished":"2021-01-22","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.sw-style.cz\/author\/#Person","name":"","url":"https:\/\/www.sw-style.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/15c4177f6d86975c976af12ba80b10af7add2f97f8786f8cf1596253472c0ea7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/15c4177f6d86975c976af12ba80b10af7add2f97f8786f8cf1596253472c0ea7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sw-style.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sw-style.cz\/wp-content\/uploads\/pot%C5%99esen%C3%AD%20rukou_6.jpg","url":"https:\/\/www.sw-style.cz\/wp-content\/uploads\/pot%C5%99esen%C3%AD%20rukou_6.jpg","height":0,"width":0},"url":"https:\/\/www.sw-style.cz\/myty-spjate-s-refinancovanim-hypoteky\/","wordCount":414,"articleBody":"       P\u0159em\u00fd\u0161l\u00edte nad refinancov\u00e1n\u00edm st\u00e1vaj\u00edc\u00edho \u00fav\u011bru? Ale nev\u00edte, za jak\u00fdch podm\u00ednek je to mo\u017en\u00e9, p\u0159\u00edpadn\u011b, zda v\u00e1m banka nena\u00fa\u010dtuje a\u017e p\u0159\u00edli\u0161 vysok\u00e9 pen\u00e1le a poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed? Ohledn\u011b refinancov\u00e1n\u00ed hypot\u00e9k koluje cel\u00e1 \u0159ada m\u00fdt\u016f a polopravd, kter\u00e1 z jinak z v\u00fdhodn\u00e9ho refinancov\u00e1n\u00ed d\u011bl\u00e1 tak trochu odstra\u0161uj\u00edc\u00ed p\u0159\u00edpad pro dlu\u017en\u00edky. Poj\u010fme se spole\u010dn\u011b pod\u00edvat na nej\u010dast\u011bj\u0161\u00ed m\u00fdty, kter\u00e9 jste mo\u017en\u00e1 v minulosti zaslechli i vy. Minim\u00e1ln\u011b t\u0159i m\u011bs\u00edce p\u0159ed koncem fixace v\u00e1s st\u00e1vaj\u00edc\u00ed v\u011b\u0159itel (banka) obezn\u00e1m\u00ed s nov\u00fdmi podm\u00ednkami na dal\u0161\u00ed fixn\u00ed obdob\u00ed. V p\u0159\u00edpad\u011b, kdy v\u00e1m nov\u00e9 podm\u00ednky vyhovuj\u00ed, se pro v\u00e1s v z\u00e1sad\u011b v\u016fbec nic nem\u011bn\u00ed. V okam\u017eiku, kdy ale s nov\u00fdm n\u00e1vrhem nesouhlas\u00edte, je ide\u00e1ln\u00ed doba pro refinancov\u00e1n\u00ed. Pro druhou mo\u017enost se \u0159ada lid\u00ed rozhodne ve chv\u00edli, kdy jim jin\u00e1 banka nab\u00eddne v\u00fdrazn\u011b ni\u017e\u0161\u00ed \u00farokovou sazbu nebo dal\u0161\u00ed v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky v podob\u011b del\u0161\u00ed doby spl\u00e1cen\u00ed nebo men\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. St\u00e1le se v\u0161ak mezi n\u00e1mi najde \u0159ada \u010cech\u016f, kte\u0159\u00ed neradi m\u011bn\u00ed zab\u011bhnut\u00fd standart, z\u016fst\u00e1vaj\u00ed i nad\u00e1le u t\u00e9 sam\u00e9 banky, p\u0159itom by jinde z\u00edskali v\u00fdraznou \u00fasporu refinancov\u00e1n\u00edm. Poj\u010fme se spole\u010dn\u011b pod\u00edvat na nej\u010dast\u011bj\u0161\u00ed m\u00fdty a polopravdy, kter\u00e9 m\u016f\u017eeme o refinancov\u00e1n\u00ed hypot\u00e9ky zaslechnout.Bez souhlasu banky to nep\u016fjdeRefinancov\u00e1n\u00ed hypot\u00e9ky Fahd je ve zkratce splacen\u00ed st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho \u00fav\u011bru \u00fav\u011brem nov\u00fdm od jin\u00e9ho poskytovatele. Pokud se tedy rozhodnete vyu\u017e\u00edt slu\u017eby konkurence a uzav\u0159\u00edt hypot\u00e9ku i jin\u00e9 banky, \u017e\u00e1dn\u00fd souhlas st\u00e1vaj\u00edc\u00ed banky nepot\u0159ebujete. Je pouze zapot\u0159eb\u00ed st\u00e1vaj\u00edc\u00ed banku p\u0159ed koncem fixace upozornit, \u017ee zva\u017eujete refinancov\u00e1n\u00ed, to\u0165 v\u0161e. Ide\u00e1ln\u00ed doba se pova\u017euje 30 dn\u016f p\u0159ed ukon\u010den\u00edm. Vysok\u00e9 sankce za p\u0159ed\u010dasn\u00e9 splacen\u00edPokud se rozhodnete pro refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru v dob\u011b fixace, banka nem\u00e1 \u017e\u00e1dnou pravomoc na\u00fa\u010dtovat v\u00e1m poplatky ani v\u00fddaje spojen\u00e9 s p\u0159ed\u010dasn\u00fdm splacen\u00edm.                                                                                                                                                                                                                                                                                                                                                                                           4.1\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00fdty spjat\u00e9 s refinancov\u00e1n\u00edm hypot\u00e9ky","item":"https:\/\/www.sw-style.cz\/myty-spjate-s-refinancovanim-hypoteky\/#breadcrumbitem"}]}]