[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.audea.cz\/jak-a-kdy-refinancovat-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.audea.cz\/jak-a-kdy-refinancovat-hypoteku\/","headline":"Jak a kdy refinancovat hypot\u00e9ku?","name":"Jak a kdy refinancovat hypot\u00e9ku?","description":"Refinancov\u00e1n\u00ed hypot\u00e9ky je slu\u017enou \u0159ady bank a nen\u00ed tak zapot\u0159eb\u00ed se j\u00ed nikterak ob\u00e1vat. I kdy\u017e realita je mnohdy jin\u00e1, najde se \u0159ada lid\u00ed, kte\u0159\u00ed i nad\u00e1le spl\u00e1c\u00ed sv\u016fj st\u00e1vaj\u00edc\u00ed hypote\u010dn\u00ed \u00fav\u011br a do refinancov\u00e1n\u00ed se nepou\u0161t\u011bj\u00ed. Pokud pat\u0159\u00ed mezi ty, kte\u0159\u00ed naopak nad refinancov\u00e1n\u00edm u\u017e del\u0161\u00ed dobu uva\u017euj\u00ed, n\u00e1sleduj\u00edc\u00ed […]","datePublished":"2021-04-12","dateModified":"2021-04-12","author":{"@type":"Person","@id":"https:\/\/www.audea.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.audea.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6b1978a802e1d2522476d4f1a954a19e989b74ba84b3e15a182efb651cc75097?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6b1978a802e1d2522476d4f1a954a19e989b74ba84b3e15a182efb651cc75097?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"audea.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.audea.cz\/wp-content\/uploads\/prodej%20nemovitosti_2.jpg","url":"https:\/\/www.audea.cz\/wp-content\/uploads\/prodej%20nemovitosti_2.jpg","height":0,"width":0},"url":"https:\/\/www.audea.cz\/jak-a-kdy-refinancovat-hypoteku\/","about":["Ekonomika"],"wordCount":399,"articleBody":"        Refinancov\u00e1n\u00ed hypot\u00e9ky je slu\u017enou \u0159ady bank a nen\u00ed tak zapot\u0159eb\u00ed se j\u00ed nikterak ob\u00e1vat. I kdy\u017e realita je mnohdy jin\u00e1, najde se \u0159ada lid\u00ed, kte\u0159\u00ed i nad\u00e1le spl\u00e1c\u00ed sv\u016fj st\u00e1vaj\u00edc\u00ed hypote\u010dn\u00ed \u00fav\u011br a do refinancov\u00e1n\u00ed se nepou\u0161t\u011bj\u00ed. Pokud pat\u0159\u00ed mezi ty, kte\u0159\u00ed naopak nad refinancov\u00e1n\u00edm u\u017e del\u0161\u00ed dobu uva\u017euj\u00ed, n\u00e1sleduj\u00edc\u00ed \u0159\u00e1dky v\u00e1m mo\u017en\u00e1 pomohu p\u0159i rozhodov\u00e1n\u00ed.  Kdy je ten spr\u00e1vn\u00fd \u010das pro refinancov\u00e1n\u00ed? Refinancov\u00e1n\u00ed je ve zkratce splacen\u00ed st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho \u00fav\u011bru nov\u00fdm, kter\u00fd je ov\u0161em sjedn\u00e1n pro dlu\u017en\u00edka za v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek nebo alespo\u0148 tak by tomu m\u011blo b\u00fdt. Spr\u00e1vn\u00fd \u010das na refinancov\u00e1n\u00ed tedy p\u0159ich\u00e1z\u00ed ve chv\u00edli, kdy v\u00e1m jin\u00fd poskytovatel nab\u00eddne v\u00fdrazn\u011b ni\u017e\u0161\u00ed \u00farokovou sazbu nebo pro v\u00e1s atraktivn\u011bj\u0161\u00ed podm\u00ednky.   A jak postupovat? N\u011bkolik m\u011bs\u00edc\u016f p\u0159ed koncem aktu\u00e1ln\u00ed doby fixace by v\u00e1s m\u011bl v\u011b\u0159itel obezn\u00e1mit o podm\u00ednk\u00e1ch na dal\u0161\u00ed fixn\u00ed obdob\u00ed. Pokud se rozhodnete nov\u00e9 podm\u00ednky akceptovat, pokra\u010dujete i nad\u00e1le ve spl\u00e1cen\u00ed dan\u00e9ho \u00fav\u011bru. V p\u0159\u00edpad\u011b, kdy z jak\u00e9hokoliv d\u016fvodu s nov\u011b nastaven\u00fdmi podm\u00ednkami nesouhlas\u00edte, je ide\u00e1ln\u00ed \u010das na refinancov\u00e1n\u00ed. Nepot\u0159ebujete \u017e\u00e1dn\u00fd souhlas ani vyj\u00e1d\u0159en\u00ed od st\u00e1vaj\u00edc\u00edho poskytovatele, jenom ho nezapome\u0148te upozornit alespo\u0148 m\u011bs\u00edc p\u0159ed refinancov\u00e1n\u00edm.  Refinancov\u00e1n\u00ed hypot\u00e9ky se vyplat\u00ed p\u0159ed koncem fixace, pokud v\u00e1m toti\u017e aktu\u00e1ln\u011b nastaven\u00e9 podm\u00ednky nevyhovuj\u00ed a vy najdete v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku od jin\u00e9 banky, m\u016f\u017eete p\u0159ed\u010dasn\u011b splatit st\u00e1vaj\u00edc\u00ed \u00fav\u011br bez sankc\u00ed a poplatk\u016f, kter\u00e9 jsou spojen\u00e9 s p\u0159ed\u010dasn\u00fdm splacen\u00edm.   Jak si zajistit v\u00fdhodnou \u00farokovou sazbu na n\u011bkolik let dop\u0159edu? \u00darokov\u00e1 sazba se m\u011bn\u00ed s ohledem na aktu\u00e1ln\u00ed ekonomickou situaci v \u010cesk\u00e9 republice. Kdo nechce riskovat strm\u00fd r\u016fst \u00farokov\u00fdch sazeb, m\u016f\u017ee hypot\u00e9ku refinancovat klidn\u011b n\u011bkolik let p\u0159ed uplynut\u00edm doby fixace. V\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky si tak m\u016f\u017ee dlu\u017en\u00edk zajistit dlouho p\u0159ed koncem aktu\u00e1ln\u00edho fixn\u00edho obdob\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak a kdy refinancovat hypot\u00e9ku?","item":"https:\/\/www.audea.cz\/jak-a-kdy-refinancovat-hypoteku\/#breadcrumbitem"}]}]