[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tutumi.cz\/refinancovani-stavajiciho-uveru-je-vyhodne-jen-za-urcitych-podminek\/#Article","mainEntityOfPage":"https:\/\/www.tutumi.cz\/refinancovani-stavajiciho-uveru-je-vyhodne-jen-za-urcitych-podminek\/","headline":"Refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru je v\u00fdhodn\u00e9 jen za ur\u010dit\u00fdch podm\u00ednek","name":"Refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru je v\u00fdhodn\u00e9 jen za ur\u010dit\u00fdch podm\u00ednek","description":"Refinancov\u00e1n\u00ed je v posledn\u00edch letech velmi \u017e\u00e1danou slu\u017ebou \u0159ady bank. Ka\u017edoro\u010dn\u011b se o refinancov\u00e1n\u00ed hypot\u00e9ky na internetu zaj\u00edmaj\u00ed tis\u00edce lid\u00ed […]","datePublished":"2021-01-22","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.tutumi.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.tutumi.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/831abbcc684823965c5caa39ae4561083127c8aedfe9e524c6cecc176998c733?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/831abbcc684823965c5caa39ae4561083127c8aedfe9e524c6cecc176998c733?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tutumi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tutumi.cz\/wp-content\/uploads\/puzzle%20d%C5%AFm_6.jpg","url":"https:\/\/www.tutumi.cz\/wp-content\/uploads\/puzzle%20d%C5%AFm_6.jpg","height":0,"width":0},"url":"https:\/\/www.tutumi.cz\/refinancovani-stavajiciho-uveru-je-vyhodne-jen-za-urcitych-podminek\/","about":["Finance"],"wordCount":426,"articleBody":"       Refinancov\u00e1n\u00ed je v posledn\u00edch letech velmi \u017e\u00e1danou slu\u017ebou \u0159ady bank. Ka\u017edoro\u010dn\u011b se o refinancov\u00e1n\u00ed hypot\u00e9ky na internetu zaj\u00edmaj\u00ed tis\u00edce lid\u00ed s jedin\u00fdm c\u00edlem naj\u00edt v\u00fdhodn\u011bj\u0161\u00ed \u00fav\u011br, kter\u00fd jim zajist\u00ed ni\u017e\u0161\u00ed \u00farokovou sazbou, del\u0161\u00ed dobu spl\u00e1cen\u00ed nebo ni\u017e\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. Jak ale vlastn\u011b takov\u00e9 refinancov\u00e1n\u00ed funguje, co je k n\u011bmu pot\u0159eba a kdy je spr\u00e1vn\u00e1 doba? Fixn\u00ed doba napov\u00ed, kdy je nejlep\u0161\u00ed doba pro refinancov\u00e1n\u00edRefinancov\u00e1n\u00ed je v\u00fdhodn\u00e9 jen v p\u0159\u00edpad\u011b, kdy je provedeno v tu spr\u00e1vnou chv\u00edli. \u0158ada bankovn\u00edch i nebankovn\u00edch spole\u010dnost\u00ed m\u00e1 nastavenou fixaci \u00fav\u011br\u016f, b\u011bhem kter\u00e9 je p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru zna\u010dn\u011b nev\u00fdhodn\u00e9, nebo\u0165 je pokutov\u00e1na vysok\u00fdmi sank\u010dn\u00edmi poplatky. Po ukon\u010den\u00ed fixace m\u00e1 v\u0161ak dlu\u017en\u00edk mo\u017enost svou p\u016fj\u010dku refinancovat a odej\u00edt k jin\u00e9mu poskytovateli, kter\u00fd mu nab\u00eddne pro n\u011bho v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky. Doba fixace se u r\u016fzn\u00fdch poskytovatel\u016f li\u0161\u00ed, n\u011bkde to m\u016f\u017ee b\u00fdt 5 let, jinde 8, p\u0159\u00edpadn\u011b deset. V\u017edy tedy z\u00e1le\u017e\u00ed na dohodnut\u00fdch podm\u00ednk\u00e1ch ve smlouv\u011b. P\u0159ed koncem fixa\u010dn\u00edho obdob\u00ed \u00farokov\u00e9 sazby je dlu\u017en\u00edk obezn\u00e1men s nov\u00fdmi podm\u00ednkami na dal\u0161\u00ed fixn\u00ed obdob\u00ed, pokud s nimi souhlas\u00ed, smlouva d\u00e1l b\u011b\u017e\u00ed za standartn\u00edch podm\u00ednek. Pokud jsou ov\u0161em nov\u00e9 podm\u00ednky v rozporu s jeho p\u0159esv\u011bd\u010den\u00edm, m\u016f\u017ee \u017eadatel beztrestn\u011b odej\u00edt k jin\u00e9mu poskytovateli bez jak\u00fdchkoliv sankc\u00ed a poplatk\u016f za p\u0159ed\u010dasn\u00e9 splacen\u00ed. Refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru by tedy m\u011blo p\u0159ij\u00edt a\u017e za p\u0159edpokladu, \u017ee se v\u011b\u0159itel s dlu\u017en\u00edkem na nov\u00fdch podm\u00ednk\u00e1ch neshodnou. Co znamen\u00e1 refinancovat hypot\u00e9ku?V p\u0159\u00edpad\u011b, kdy se dlu\u017en\u00edk rozhodne novou nab\u00eddku na dal\u0161\u00ed fixn\u00ed obdob\u00ed od st\u00e1vaj\u00edc\u00edho poskytovatele neakceptovat, m\u00e1 pr\u00e1vo splatit sv\u016fj \u00fav\u011br nov\u00fdm \u00fav\u011brem od jin\u00e9ho poskytovatele. Nov\u00fd \u00fav\u011br pak spl\u00e1c\u00ed nam\u00edsto p\u0159edchoz\u00ed, ov\u0161em pro dlu\u017en\u00edka za v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek. D\u016fvod\u016f pro\u010d refinancovat m\u016f\u017ee b\u00fdt cel\u00e1 \u0159ada, je tedy v\u017edy na zv\u00e1\u017een\u00ed dlu\u017en\u00edka, zda u st\u00e1vaj\u00edc\u00edho poskytovatele p\u0159etrv\u00e1 nebo p\u016fjde za lep\u0161\u00ed nab\u00eddkou.                                                                                                                                                                                                                                                                                                                                                                                           4.2\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru je v\u00fdhodn\u00e9 jen za ur\u010dit\u00fdch podm\u00ednek","item":"https:\/\/www.tutumi.cz\/refinancovani-stavajiciho-uveru-je-vyhodne-jen-za-urcitych-podminek\/#breadcrumbitem"}]}]