[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.mcparnicek.cz\/jak-a-kdy-refinancovat-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.mcparnicek.cz\/jak-a-kdy-refinancovat-hypoteku\/","headline":"Jak a kdy refinancovat hypot\u00e9ku?","name":"Jak a kdy refinancovat hypot\u00e9ku?","description":"Na refinancov\u00e1n\u00ed hypot\u00e9ky nen\u00ed rozhodn\u011b nic slo\u017eit\u00e9ho a lid\u00e9 se ho tak v\u016fbec nemus\u00ed ob\u00e1vat, ba naopak d\u00edky tomuto kroku <a href=\"https:\/\/www.mcparnicek.cz\/jak-a-kdy-refinancovat-hypoteku\/\" class=\"read-more\">P\u0159e\u010d\u00edst...<\/a>","datePublished":"2021-01-22","dateModified":"2023-05-09","author":{"@type":"Person","@id":"https:\/\/www.mcparnicek.cz\/author\/#Person","name":"","url":"https:\/\/www.mcparnicek.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/33549a3bd69022b5544ec751c6f690d75868252394a5ec007d9ed3f2c30f7874?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/33549a3bd69022b5544ec751c6f690d75868252394a5ec007d9ed3f2c30f7874?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"mcparnicek.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.mcparnicek.cz\/wp-content\/uploads\/rodinn%C3%BD%20d%C5%AFm_10_1.jpg","url":"https:\/\/www.mcparnicek.cz\/wp-content\/uploads\/rodinn%C3%BD%20d%C5%AFm_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.mcparnicek.cz\/jak-a-kdy-refinancovat-hypoteku\/","about":["Online"],"wordCount":418,"articleBody":"   Na refinancov\u00e1n\u00ed hypot\u00e9ky nen\u00ed rozhodn\u011b nic slo\u017eit\u00e9ho a lid\u00e9 se ho tak v\u016fbec nemus\u00ed ob\u00e1vat, ba naopak d\u00edky tomuto kroku mohou n\u00e1sledn\u011b v\u00fdrazn\u011b u\u0161et\u0159it p\u0159\u00ed spl\u00e1cen\u00ed sv\u00e9ho \u00fav\u011bru. Pokud tedy v\u011b\u0159itel nen\u00ed spokojen s danou \u00farokovou sazbou hypot\u00e9ky, dobou spl\u00e1cen\u00ed nebo m\u011bs\u00ed\u010dn\u00edmi spl\u00e1tkami je refinancov\u00e1n\u00ed na m\u00edst\u011b. Je v\u0161ak pot\u0159eba poznamenat, \u017ee refinancov\u00e1n\u00ed je v\u00fdhodn\u00e9 pouze za ur\u010dit\u00fdch podm\u00ednek. Jak tedy postupovat, abychom z refinancov\u00e1n\u00ed vyt\u011b\u017eili co nejv\u00edce?Kdy je spr\u00e1vn\u00fd \u010das na refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru?Refinancov\u00e1n\u00ed hypot\u00e9ky v kr\u00e1tkosti znamen\u00e1 splacen\u00ed st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho \u00fav\u011bru \u00fav\u011brem nov\u00fdm, kter\u00fd je sjedn\u00e1n za v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek pro dlu\u017en\u00edka. Spr\u00e1vn\u00fd \u010das na refinancov\u00e1n\u00ed tedy p\u0159ich\u00e1z\u00ed v p\u0159\u00edpad\u011b, kdy n\u00e1m jin\u00fd poskytovatel nab\u00eddne v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky pro spl\u00e1cen\u00ed. V sou\u010dasn\u00e9 dob\u011b je mo\u017en\u00e9 hypot\u00e9ku p\u0159ed\u010dasn\u011b splatit kdykoliv. Ov\u0161em v dob\u011b fixace po v\u00e1s banka nesm\u00ed vym\u00e1hat \u017e\u00e1dn\u00e9 pen\u00e1le ani n\u00e1klady za p\u0159ed\u010dasn\u00e9 splacen\u00ed. Z toho vypl\u00fdv\u00e1, \u017ee hypot\u00e9ku je opravdu mo\u017en\u00e9 splatit kdykoliv, v ur\u010dit\u00e9m \u010dasov\u00e9m obdob\u00ed ov\u0161em pon\u011bkud v\u00fdhodn\u011bji. Co je refinancov\u00e1n\u00ed hypot\u00e9ky?N\u011bkolik m\u011bs\u00edc\u016f p\u0159ed ukon\u010den\u00edm doby fixace je dlu\u017en\u00edk sezn\u00e1men s novou nab\u00eddkou na dal\u0161\u00ed fixn\u00ed obdob\u00ed. Pokud mu v\u0161ak z jak\u00e9hokoliv d\u016fvodu tato nov\u00e1 nab\u00eddka nevyhovuje, je mo\u017en\u00e9 splatit st\u00e1vaj\u00edc\u00ed \u00fav\u011br nov\u00fdm \u00fav\u011brem od jin\u00e9ho poskytovatele. Tento nov\u00fd \u00fav\u011br pak spl\u00e1c\u00ed jako doposud, ov\u0161em nov\u00e9mu v\u011b\u0159iteli. Refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru by m\u011blo p\u0159ij\u00edt ve chv\u00edli, kdy v\u00e1m nov\u00fd poskytovatel nab\u00eddne v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky, jako je ni\u017e\u0161\u00ed \u00farokov\u00e1 sazba, p\u0159\u00edpadn\u011b dal\u0161\u00ed body dohody.Refinancov\u00e1n\u00ed je v principu podobn\u00e9 s konsolidac\u00ed p\u016fj\u010dek, jen s rozd\u00edlem, \u017ee konsolidace je prim\u00e1rn\u011b ur\u010den\u00e1 ke slou\u010den\u00ed v\u00edce \u00fav\u011br\u016f do jednoho. \u010casto s c\u00edlem sn\u00ed\u017een\u00ed m\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stky pro men\u0161\u00ed zat\u00ed\u017een\u00ed rodinn\u00e9ho rozpo\u010dtu, del\u0161\u00ed dobu spl\u00e1cen\u00ed \u010di pohodlnosti.   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