[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.peril.cz\/myty-spojene-s-refinancovanim-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.peril.cz\/myty-spojene-s-refinancovanim-hypoteky\/","headline":"M\u00fdty spojen\u00e9 s refinancov\u00e1n\u00edm hypot\u00e9ky","name":"M\u00fdty spojen\u00e9 s refinancov\u00e1n\u00edm hypot\u00e9ky","description":"S refinancov\u00e1n\u00edm hypot\u00e9ky je spojena cel\u00e1 \u0159ada m\u00fdt\u016f a polopravd, tak pro\u010d je nevyvr\u00e1tit jednou pro v\u017edy? Mnoho lid\u00ed.","datePublished":"2021-04-12","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.peril.cz\/author\/#Person","name":"","url":"https:\/\/www.peril.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/16435f0a6c9262449b9ebb39f63178cd65c54b09f931b6f84682f48086e3d763?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/16435f0a6c9262449b9ebb39f63178cd65c54b09f931b6f84682f48086e3d763?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"peril.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.peril.cz\/wp-content\/uploads\/vlastn%C3%AD%20bydlen%C3%AD_7.jpg","url":"https:\/\/www.peril.cz\/wp-content\/uploads\/vlastn%C3%AD%20bydlen%C3%AD_7.jpg","height":0,"width":0},"url":"https:\/\/www.peril.cz\/myty-spojene-s-refinancovanim-hypoteky\/","about":["Internet"],"wordCount":417,"articleBody":"       S refinancov\u00e1n\u00edm hypot\u00e9ky je spojena cel\u00e1 \u0159ada m\u00fdt\u016f a polopravd, tak pro\u010d je nevyvr\u00e1tit jednou pro v\u017edy? Mnoho lid\u00ed se nap\u0159\u00edklad myln\u011b domn\u00edv\u00e1, \u017ee refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru podl\u00e9h\u00e1 velmi slo\u017eit\u00e9 administrativ\u011b a je \u010dasov\u011b velmi n\u00e1ro\u010dn\u00e9. Refinancov\u00e1n\u00ed hypot\u00e9ky je ve zkratce splacen\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru \u00fav\u011brem nov\u00fdm, kter\u00fd je dlu\u017en\u00edkem sjedn\u00e1n za v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek. Minim\u00e1ln\u011b t\u0159i m\u011bs\u00edce p\u0159ed ukon\u010den\u00edm st\u00e1vaj\u00edc\u00ed doby fixace by v\u00e1s st\u00e1vaj\u00edc\u00ed v\u011b\u0159itel m\u011bl informovat o nov\u011b nastaven\u00fdch podm\u00ednk\u00e1ch na dal\u0161\u00ed fixn\u00ed obdob\u00ed. Pokud je pro v\u00e1s nov\u00e1 nab\u00eddka akceptuj\u00edc\u00ed, v\u0161e pokra\u010duje beze zm\u011bny a vy nad\u00e1le spl\u00e1c\u00edte \u00fav\u011br stejn\u00e9mu poskytovateli. V p\u0159\u00edpad\u011b, kdy s nov\u011b nastaven\u00fdmi podm\u00ednkami nesouhlas\u00ed, je ide\u00e1ln\u00ed doba za\u010d\u00edt p\u0159em\u00fd\u0161let o refinancov\u00e1n\u00ed. St\u00e1le se v\u0161ak najde \u0159ada \u010cech\u016f, kte\u0159\u00ed nejsou ochotni p\u0159istoupit k refinancov\u00e1n\u00ed, zd\u00e1 se jim cel\u00fd proces p\u0159\u00edli\u0161 slo\u017eit\u00fd nebo se zkr\u00e1tka spokoj\u00ed i s nev\u00fdhodn\u00fdm \u00fav\u011brem, kter\u00fd doposud spl\u00e1celi. P\u0159itom jsou proti sob\u011b, spr\u00e1vn\u00fdm refinancov\u00e1n\u00edm se d\u00e1 u\u0161et\u0159it tis\u00edce ka\u017ed\u00fd rok. Poj\u010fme si te\u010f ale p\u0159edstavit a hlavn\u011b vyvr\u00e1tit nej\u010dast\u011bj\u0161\u00ed m\u00fdty, kter\u00e9 jsou spojeny s refinancov\u00e1n\u00edm.M\u00fdtus \u010d. 1: S refinancov\u00e1n\u00edm mus\u00ed st\u00e1vaj\u00edc\u00ed v\u011b\u0159itel souhlasitPokud se rozhodnete, \u017ee vyu\u017eijete nab\u00eddku jin\u00e9 banky a \u00fav\u011br p\u0159ed\u010dasn\u011b splat\u00edte, nepot\u0159ebujete k tomu souhlas od st\u00e1vaj\u00edc\u00ed banky. Sta\u010d\u00ed, kdy\u017e alespo\u0148 m\u011bs\u00edc p\u0159ed koncem fixa\u010dn\u00edho obdob\u00ed aktu\u00e1ln\u00edho v\u011b\u0159itele informujete, \u017ee jste se rozhodli \u00fav\u011br refinancovat. M\u00fdtus \u010d. 2: Vysok\u00e9 pen\u00e1le za p\u0159ed\u010dasn\u00e9 splacen\u00edV p\u0159\u00edpad\u011b, kdy se \u017eadatel rozhodne sv\u016fj st\u00e1vaj\u00edc\u00ed hypote\u010dn\u00ed \u00fav\u011br splatit v dob\u011b fixace, banka po n\u011bm nen\u00ed opr\u00e1vn\u011bna vym\u00e1hat pen\u00e1le ani dal\u0161\u00ed poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed. Hypot\u00e9ku je v\u0161ak mo\u017en\u00e9 p\u0159ed\u010dasn\u011b splatit i mimo obdob\u00ed fixace, je ale zapot\u0159eb\u00ed po\u010d\u00edtat s poplatky. Ty jsou ale v sou\u010dasn\u00e9 dob\u011b u v\u011bt\u0161iny bank v \u0159\u00e1dech stovek korun.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00fdty spojen\u00e9 s refinancov\u00e1n\u00edm hypot\u00e9ky","item":"https:\/\/www.peril.cz\/myty-spojene-s-refinancovanim-hypoteky\/#breadcrumbitem"}]}]