[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.myubo.cz\/jak-refinancovat-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.myubo.cz\/jak-refinancovat-hypoteku\/","headline":"Jak refinancovat hypot\u00e9ku?","name":"Jak refinancovat hypot\u00e9ku?","description":"Refinancov\u00e1n\u00ed hypot\u00e9ky je vlastn\u011b splacen\u00ed st\u00e1vaj\u00edc\u00ed a z\u0159\u00edzen\u00ed nov\u00e9 hypot\u00e9ky. A to takov\u00e9, kter\u00e1 bude v\u00fdhodn\u011bj\u0161\u00ed a m\u016f\u017ee tak u\u0161et\u0159it tis\u00edce korun. Kdy a pro\u010d se refinancov\u00e1n\u00ed prov\u00e1d\u00ed? Jak\u00e9 jsou mo\u017enosti? \u00darokov\u00e1 m\u00edra hypot\u00e9k s\u00a0ub\u00edhaj\u00edc\u00edm \u010dasem r\u016fzn\u011b kol\u00eds\u00e1. Klienti, kte\u0159\u00ed si ji sjednali v\u00a0obdob\u00ed, kdy byla vysok\u00e1, nemus\u00ed tolik p\u0159epl\u00e1cet. Sta\u010d\u00ed si po\u010dkat na konec […]","datePublished":"2020-01-16","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.myubo.cz\/author\/#Person","name":"myubo.cz","url":"https:\/\/www.myubo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ddbdb36321e5b7d4d861793930db080587341c870bd6ed87a3d36e707e2e9ae3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ddbdb36321e5b7d4d861793930db080587341c870bd6ed87a3d36e707e2e9ae3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"myubo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.myubo.cz\/wp-content\/uploads\/img_a353850_w3302_t1568457096.jpg","url":"https:\/\/www.myubo.cz\/wp-content\/uploads\/img_a353850_w3302_t1568457096.jpg","height":0,"width":0},"url":"https:\/\/www.myubo.cz\/jak-refinancovat-hypoteku\/","about":["Finance"],"wordCount":444,"articleBody":"Refinancov\u00e1n\u00ed hypot\u00e9ky je vlastn\u011b splacen\u00ed st\u00e1vaj\u00edc\u00ed a z\u0159\u00edzen\u00ed nov\u00e9 hypot\u00e9ky. A to takov\u00e9, kter\u00e1 bude v\u00fdhodn\u011bj\u0161\u00ed a m\u016f\u017ee tak u\u0161et\u0159it tis\u00edce korun. Kdy a pro\u010d se refinancov\u00e1n\u00ed prov\u00e1d\u00ed? Jak\u00e9 jsou mo\u017enosti?\u00darokov\u00e1 m\u00edra hypot\u00e9k s\u00a0ub\u00edhaj\u00edc\u00edm \u010dasem r\u016fzn\u011b kol\u00eds\u00e1. Klienti, kte\u0159\u00ed si ji sjednali v\u00a0obdob\u00ed, kdy byla vysok\u00e1, nemus\u00ed tolik p\u0159epl\u00e1cet. Sta\u010d\u00ed si po\u010dkat na konec fixace, kdy je nejvhodn\u011bj\u0161\u00ed doba na refinancov\u00e1n\u00ed. To m\u016f\u017ee b\u00fdt v\u00fdhodn\u00e9 tak\u00e9 z\u00a0toho d\u016fvodu, \u017ee se dlu\u017en\u00e1 \u010d\u00e1stka m\u016f\u017ee nav\u00fd\u0161it a prodlou\u017eit se tak\u00e9 doba jej\u00edho spl\u00e1cen\u00ed. S\u00a0popt\u00e1vkou refinancov\u00e1n\u00ed hypot\u00e9ky je dobr\u00e9 za\u010d\u00edt asi 3 m\u011bs\u00edce p\u0159ed vypr\u0161en\u00edm st\u00e1vaj\u00edc\u00edho obdob\u00ed fixace. A ne v\u017edy je tento krok spojen\u00fd s\u00a0p\u0159echodem od jedn\u00e9 banky k\u00a0druh\u00e9. Dobr\u00e9 je nejd\u0159\u00edve oslovit st\u00e1vaj\u00edc\u00ed banku a u n\u00ed se pokusit si sjednat lep\u0161\u00ed podm\u00ednky na dal\u0161\u00ed obdob\u00ed fixace.Fixace b\u00fdv\u00e1 nej\u010dast\u011bji sjedn\u00e1v\u00e1na na 5 let, d\u00e1le pak na 3, 10 nebo pouze jeden rok. Po vypr\u0161en\u00ed t\u00e9to doby je mo\u017en\u00e9 p\u0159ej\u00edt na v\u00fdhodn\u011bj\u0161\u00ed \u00farokovou sazbu. Ta ale u n\u011bkter\u00fdch dom\u00e1cnost\u00ed nehraje prim, proto\u017ee cht\u011bj\u00ed m\u00edt jistotu pravideln\u00fdch spl\u00e1tek ve stejn\u00e9 v\u00fd\u0161i na co nejdel\u0161\u00ed dobu. A \u010d\u00edm del\u0161\u00ed je doba fixace, t\u00edm v\u011bt\u0161\u00ed tak\u00e9 bude \u00farokov\u00e1 sazba. Jin\u00ed up\u0159ednost\u0148uj\u00ed krat\u0161\u00ed dobu fixace (a tedy ni\u017e\u0161\u00ed \u00farokovou sazbu) a to i za tu cenu, \u017ee po skon\u010den\u00ed fixa\u010dn\u00edho obdob\u00ed, mohou b\u00fdt sazby vy\u0161\u0161\u00ed.Dobou fixace a v\u00fd\u0161\u00ed \u00farokov\u00fdch sazeb to ale nekon\u010d\u00ed. Refinancov\u00e1n\u00ed m\u016f\u017ee pomoct tak\u00e9 p\u0159i zv\u00fdhodn\u011bn\u00e9m p\u0159ipoji\u0161t\u011bn\u00ed hypot\u00e9ky nebo nav\u00fd\u0161en\u00ed hypote\u010dn\u00edho \u00fav\u011bru za stejnou cenu. Banky mezi sebou o tyto dlouhodob\u00e9 \u00fav\u011bry soupe\u0159\u00ed, nen\u00ed proto divem, \u017ee se na bankovn\u00edm trhu daj\u00ed po p\u00e1r letech objevit v\u00fdhodn\u011bj\u0161\u00ed a zaj\u00edmav\u011bj\u0161\u00ed podm\u00ednky, ne\u017e u sjednan\u00e9ho st\u00e1vaj\u00edc\u00edho dluhu.Zaj\u00edmav\u00e1 je mo\u017enost prefixu neboli dop\u0159edn\u00e9 fixaci. To znamen\u00e1, \u017ee lid\u00e9, kter\u00fdm fixace kon\u010d\u00ed a\u017e za jeden \u010di dva roky, si mohou zafixovat aktu\u00e1ln\u00ed \u00farokovou sazbu. Tak\u017ee pokud klient zjist\u00ed, \u017ee \u00farokov\u00e9 sazby stoupaj\u00ed, m\u016f\u017ee s\u00e1hnout po t\u00e9to metod\u011b a zajistit si tak n\u00edzk\u00e9 \u00farokov\u00e9 sazby na dobu a\u017e t\u0159\u00ed let dop\u0159edu.                                                                                                                                                                                                                                                                                                                                                                                        3.9\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak refinancovat hypot\u00e9ku?","item":"https:\/\/www.myubo.cz\/jak-refinancovat-hypoteku\/#breadcrumbitem"}]}]