[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.flexit.cz\/myty-spjate-s-refinancovanim-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.flexit.cz\/myty-spjate-s-refinancovanim-hypoteky\/","headline":"M\u00fdty spjat\u00e9 s refinancov\u00e1n\u00edm hypot\u00e9ky","name":"M\u00fdty spjat\u00e9 s refinancov\u00e1n\u00edm hypot\u00e9ky","description":"Refinancov\u00e1n\u00ed hypot\u00e9ky nebankovnihypoteky.net je v posledn\u00edch letech velmi obl\u00edben\u00e1 forma nab\u00eddek n\u011bkter\u00fdch bank. Refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho \u00fav\u011bru se d\u00e1 toti\u017e u\u0161et\u0159it a\u017e tis\u00edce korun ro\u010dn\u011b. Ov\u0161em mnoho lid\u00ed se refinancov\u00e1n\u00ed st\u00e1le ob\u00e1v\u00e1, nebo\u0165 kolem n\u011bho koluje cel\u00e1 \u0159ada m\u00fdt\u016f a polopravd. Poj\u010fme si spole\u010dn\u011b alespo\u0148 n\u011bkter\u00e9 z nich vyvr\u00e1tit. Mo\u017en\u00e1 z\u00e1hy zjist\u00edte, \u017ee refinancov\u00e1n\u00ed hypot\u00e9ky […]","datePublished":"2021-08-23","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.flexit.cz\/author\/#Person","name":"flexit.cz","url":"https:\/\/www.flexit.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"flexit.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.flexit.cz\/wp-content\/uploads\/spole%C4%8Dn%C3%A9%20pl%C3%A1ny_10.jpg","url":"https:\/\/www.flexit.cz\/wp-content\/uploads\/spole%C4%8Dn%C3%A9%20pl%C3%A1ny_10.jpg","height":0,"width":0},"url":"https:\/\/www.flexit.cz\/myty-spjate-s-refinancovanim-hypoteky\/","about":["Ekonomika"],"wordCount":420,"articleBody":"      Refinancov\u00e1n\u00ed hypot\u00e9ky nebankovnihypoteky.net je v posledn\u00edch letech velmi obl\u00edben\u00e1 forma nab\u00eddek n\u011bkter\u00fdch bank. Refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho \u00fav\u011bru se d\u00e1 toti\u017e u\u0161et\u0159it a\u017e tis\u00edce korun ro\u010dn\u011b. Ov\u0161em mnoho lid\u00ed se refinancov\u00e1n\u00ed st\u00e1le ob\u00e1v\u00e1, nebo\u0165 kolem n\u011bho koluje cel\u00e1 \u0159ada m\u00fdt\u016f a polopravd. Poj\u010fme si spole\u010dn\u011b alespo\u0148 n\u011bkter\u00e9 z nich vyvr\u00e1tit. Mo\u017en\u00e1 z\u00e1hy zjist\u00edte, \u017ee refinancov\u00e1n\u00ed hypot\u00e9ky nen\u00ed a\u017e natolik administrativn\u011b n\u00e1ro\u010dn\u00e9 nebo \u017ee nemus\u00edte platit vysok\u00e9 pen\u00e1le za p\u0159ed\u010dasn\u00e9 splacen\u00ed. S p\u0159\u00edchodem bl\u00ed\u017e\u00edc\u00edho se konce sjednan\u00e9 doby fixace, m\u00e1 dlu\u017en\u00edk dv\u011b mo\u017enosti. Bu\u010f se rozhodne akceptovat nov\u011b nataven\u00e9 podm\u00ednky hypote\u010dn\u00edho \u00fav\u011bru na dal\u0161\u00ed fixn\u00ed obdob\u00ed anebo odejde ke konkurence, kter\u00e1 mu nab\u00edz\u00ed v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky. Ty se nej\u010dast\u011bji t\u00fdkaj\u00ed ro\u010dn\u00ed \u00farokov\u00e9 sazby, d\u00e9lky fixace, v\u00fd\u0161i spl\u00e1tek \u010di d\u00e9lky hypot\u00e9ky. Rozhoduj\u00edc\u00ed nen\u00ed v\u0161ak v\u017edy pouze \u00farok, zaj\u00edmat by v\u00e1s m\u011bly i dal\u0161\u00ed \u00falevy a slevy ze strany poskytovatele \u00fav\u011bru. Mnoho \u010cech\u016f se v\u0161ak rad\u011bji spokoj\u00ed s dra\u017e\u0161\u00ed hypot\u00e9kou, ne\u017e by porovnali nab\u00eddky jednotliv\u00fdch bank a p\u0159e\u0161li ke konkurenci pro v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky. Poj\u010fme si tedy p\u0159edstavit n\u011bkter\u00e9 m\u00fdty, kter\u00e9 koluj\u00ed kolem refinancov\u00e1n\u00ed hypot\u00e9ky! Refinancov\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru jen se souhlasem sou\u010dasn\u00e9ho v\u011b\u0159itelePokud se rozhodnete pro vyu\u017eit\u00ed v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddky u konkurence, nepot\u0159ebujete k tomu \u017e\u00e1dn\u00fd souhlas aktu\u00e1ln\u00edho v\u011b\u0159itele. Posta\u010d\u00ed, kdy\u017e p\u0159ed koncem fixace bance sd\u011bl\u00edte, \u017ee jste se rozhodli \u00fav\u011br refinancovat a p\u0159ej\u00edt ke konkurenci. M\u011bjte v\u0161ak na pam\u011bti, \u017ee refinancov\u00e1n\u00ed p\u0159eci jenom nen\u00ed ot\u00e1zkou n\u011bkolika dn\u00ed, je proto dobr\u00e9 za\u010d\u00edt jednat s jinou bankou s dostate\u010dn\u00fdm p\u0159edstihem. Vysok\u00e9 pen\u00e1le za p\u0159ed\u010dasn\u00e9 splacen\u00edP\u0159ed\u010dasn\u00e9 splacen\u00ed je v sou\u010dasn\u00e9 dob\u011b u v\u0161ech bank zcela zdarma, pokud tak u\u010din\u00edte v dob\u011b fixace. Banka po v\u00e1s v tuto dobu nen\u00ed opr\u00e1vn\u011bna po\u017eadovat \u017e\u00e1dn\u00e9 pen\u00e1le ani n\u00e1hradu u\u0161l\u00e9ho zisku, kter\u00fd j\u00ed p\u0159ed\u010dasn\u00fdm splacen\u00edm \u00fav\u011bru vznikl.                                                                                                                                                                                                                                                                                                                                                                                           4\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00fdty spjat\u00e9 s refinancov\u00e1n\u00edm hypot\u00e9ky","item":"https:\/\/www.flexit.cz\/myty-spjate-s-refinancovanim-hypoteky\/#breadcrumbitem"}]}]