[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tasmina.cz\/je-vyhodne-refinancovat\/#Article","mainEntityOfPage":"https:\/\/www.tasmina.cz\/je-vyhodne-refinancovat\/","headline":"Je v\u00fdhodn\u00e9 refinancovat?","name":"Je v\u00fdhodn\u00e9 refinancovat?","description":"Refinancov\u00e1n\u00ed hypot\u00e9ky https:\/\/www.fahd.cz\/refinancovani-hypoteky\/ je v posledn\u00edch letech doslova fenom\u00e9nem a zaj\u00edm\u00e1 se tak o n\u011bj st\u00e1le v\u00edce \u010cech\u016f. Jejich jedin\u00fdm c\u00edlem je naj\u00edt v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky p\u0159ed koncem fixn\u00edho obdob\u00ed … ","datePublished":"2021-02-18","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.tasmina.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.tasmina.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f5ad5dcd5c02ecc0fdaf1fe4b2e9a39ad5c5cc2b614885090f6f77b1ccabb3a9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f5ad5dcd5c02ecc0fdaf1fe4b2e9a39ad5c5cc2b614885090f6f77b1ccabb3a9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tasmina.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tasmina.cz\/wp-content\/uploads\/nov%C3%A9%20bydlen%C3%AD_6.jpg","url":"https:\/\/www.tasmina.cz\/wp-content\/uploads\/nov%C3%A9%20bydlen%C3%AD_6.jpg","height":0,"width":0},"url":"https:\/\/www.tasmina.cz\/je-vyhodne-refinancovat\/","about":["Web"],"wordCount":414,"articleBody":"        Refinancov\u00e1n\u00ed hypot\u00e9ky https:\/\/www.fahd.cz\/refinancovani-hypoteky\/ je v posledn\u00edch letech doslova fenom\u00e9nem a zaj\u00edm\u00e1 se tak o n\u011bj st\u00e1le v\u00edce \u010cech\u016f. Jejich jedin\u00fdm c\u00edlem je naj\u00edt v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky p\u0159ed koncem fixn\u00edho obdob\u00ed a uzav\u0159\u00edt novou smlouvu za v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek u jin\u00e9 banky. Jak ale vlastn\u011b takov\u00e9 refinancov\u00e1n\u00ed funguje, co je k n\u011bmu pot\u0159eba a kolik se d\u00e1 ve v\u00fdsledku u\u0161et\u0159it?Fixace. Co to je, k \u010demu slou\u017e\u00ed a jak figuruje p\u0159i refinancov\u00e1n\u00ed?Fixace \u00farokov\u00e9 sazby je vlastn\u011b obdob\u00ed, po kter\u00e9 banka (v\u011b\u0159itel) garantuje klientovi (dlu\u017en\u00edkovi) konkr\u00e9tn\u00ed dohodnutou ro\u010dn\u00ed \u00farokovou sazbu. Doba fixn\u00edho obdob\u00ed je u v\u011b\u0159itel\u016f r\u016fzn\u00e1, n\u011bkde trv\u00e1 5, jindy dokonce 10 let. V\u017edy tedy z\u00e1le\u017e\u00ed na dohodnut\u00fdch podm\u00ednk\u00e1ch ve smlouv\u011b. Dlu\u017en\u00edk je v\u017edy p\u0159ed koncem aktu\u00e1ln\u00edho fixn\u00edho obdob\u00ed informov\u00e1n o nov\u00fdch podm\u00ednk\u00e1ch na dal\u0161\u00ed obdob\u00ed. V p\u0159\u00edpad\u011b, kdy dlu\u017en\u00edk novou \u00farokovou sazbu na dal\u0161\u00ed fixn\u00ed obdob\u00ed akceptuje, spl\u00e1c\u00ed d\u00e1l st\u00e1vaj\u00edc\u00ed \u00fav\u011br za nov\u00fdch podm\u00ednek. Pokud ale s novou \u00farokovou sazbou nen\u00ed ji\u017e nad\u00e1le spokojen, je ide\u00e1ln\u00ed \u010das st\u00e1vaj\u00edc\u00ed \u00fav\u011br refinancovat. Co znamen\u00e1 refinancovat?Pokud se dlu\u017en\u00edk rozhodne nad\u00e1le neakceptovat podm\u00ednky nastaven\u00e9 aktu\u00e1ln\u00edm v\u011b\u0159itel, m\u00e1 pln\u00e9 pr\u00e1vo refinancovat a spl\u00e1cet \u00fav\u011br u jin\u00e9ho v\u011b\u0159itele. Refinancov\u00e1n\u00ed by m\u011blo b\u00fdt provedeno ve chv\u00edli, kdy je nov\u00fd hypote\u010dn\u00ed \u00fav\u011br v\u00fdrazn\u011b levn\u011bj\u0161\u00ed ne\u017e ten st\u00e1vaj\u00edc\u00ed. Mezi rozhoduj\u00edc\u00ed faktory pat\u0159\u00ed hlavn\u011b \u00farokov\u00e1 sazba, v potaz p\u0159ich\u00e1z\u00ed i dal\u0161\u00ed v\u00fdhody v podob\u011b v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky, ni\u017e\u0161\u00edch poplatk\u016f nebo celkov\u00e9 doby spl\u00e1cen\u00ed. Pro\u010d je dobr\u00e9 sv\u016fj aktu\u00e1ln\u00ed hypote\u010dn\u00ed \u00fav\u011br refinancovat? Refinancov\u00e1n\u00ed je v posledn\u00edch letech velmi obl\u00edben\u00e9, ale je pot\u0159eba b\u00fdt ve st\u0159ehu, nemus\u00ed b\u00fdt toti\u017e v\u017edy v\u00fdhodn\u00e9. Refinancov\u00e1n\u00ed tedy d\u00e1v\u00e1 smysl hlavn\u011b v p\u0159\u00edpad\u011b, kdy se dlu\u017en\u00edk s v\u011b\u0159itel nedomluv\u00ed na adekv\u00e1tn\u00ed \u00farokov\u00e9 sazb\u011b pro dal\u0161\u00ed fixn\u00ed obdob\u00ed. V takov\u00e9m p\u0159\u00edpad\u011b je skute\u010dn\u011b \u010das p\u0159em\u00fd\u0161let o refinancov\u00e1n\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.4\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je v\u00fdhodn\u00e9 refinancovat?","item":"https:\/\/www.tasmina.cz\/je-vyhodne-refinancovat\/#breadcrumbitem"}]}]