[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.skvelydomov.cz\/refinancovani-aneb-neplatte-vic-nez-musite\/#Article","mainEntityOfPage":"https:\/\/www.skvelydomov.cz\/refinancovani-aneb-neplatte-vic-nez-musite\/","headline":"Refinancov\u00e1n\u00ed aneb nepla\u0165te v\u00edc, ne\u017e mus\u00edte","name":"Refinancov\u00e1n\u00ed aneb nepla\u0165te v\u00edc, ne\u017e mus\u00edte","description":"Sjednali jste si super v\u00fdhodnou hypot\u00e9ku a jste s n\u00ed nyn\u00ed spokojen\u00ed? U tohoto pocitu nemus\u00ed z\u016fstat nav\u017edy, p\u0159ece jen se jedn\u00e1 o p\u016fj\u010dku, kter\u00e1 trv\u00e1 v\u011bt\u0161inou v horizontu 10 a\u017e 30 let. S rozvojem a v\u00fdvojem finan\u010dn\u00edho trhu se tak m\u016f\u017ee snadno st\u00e1t, \u017ee se stane zastaralou. A nev\u00fdhodnou. Nemus\u00edte ale zoufat, i tak ... \u010c\u00edst d\u00e1l<\/a>","datePublished":"2020-09-20","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.skvelydomov.cz\/author\/#Person","name":"","url":"https:\/\/www.skvelydomov.cz\/author\/","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/75e4d40f94885f01aa9441f03c1e175b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/75e4d40f94885f01aa9441f03c1e175b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"skvelydomov.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/skvelydomov.cz\/wp-content\/uploads\/house-2026116_1280.png","url":"https:\/\/skvelydomov.cz\/wp-content\/uploads\/house-2026116_1280.png","height":"","width":""},"url":"https:\/\/www.skvelydomov.cz\/refinancovani-aneb-neplatte-vic-nez-musite\/","wordCount":436,"articleBody":" Sjednali jste si super v\u00fdhodnou hypot\u00e9ku a jste s n\u00ed nyn\u00ed spokojen\u00ed? U tohoto pocitu nemus\u00ed z\u016fstat nav\u017edy, p\u0159ece jen se jedn\u00e1 o p\u016fj\u010dku, kter\u00e1 trv\u00e1 v\u011bt\u0161inou v horizontu 10 a\u017e 30 let. S rozvojem a v\u00fdvojem finan\u010dn\u00edho trhu se tak m\u016f\u017ee snadno st\u00e1t, \u017ee se stane zastaralou. A nev\u00fdhodnou. Nemus\u00edte ale zoufat, i tak je mo\u017en\u00e9 si v\u00e1mi sjednanou hypot\u00e9ku poupravit tak, aby jste nezaplatili v\u00edc, ne\u017e opravdu mus\u00edte. Kdy a jak lze prov\u00e9st refinancov\u00e1n\u00ed hypot\u00e9ky?Refinancov\u00e1n\u00edm se rozum\u00ed splacen\u00ed st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho \u00fav\u011bru nov\u00fdm. Ten se vyzna\u010duje t\u00edm, \u017ee nab\u00edz\u00ed ni\u017e\u0161\u00ed \u00farokovou sazbu \u010di v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky, co\u017e ve v\u00fdsledku vede k finan\u010dn\u00ed \u00faspo\u0159e. Pokud tedy budete sledovat situaci na trhu s hypot\u00e9kami a naraz\u00edte na v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku, m\u016f\u017eete st\u00e1vaj\u00edc\u00ed \u00fav\u011br tak\u0159ka kdykoli splatit nov\u00fdm. Obecn\u011b se v\u0161ak uv\u00e1d\u00ed, \u017ee nejlep\u0161\u00ed doba je p\u0159ed koncem doby sjednan\u00e9 fixace. Tehdy v\u00e1m toti\u017e va\u0161e st\u00e1vaj\u00edc\u00ed banka nesm\u00ed na\u00fa\u010dtovat \u017e\u00e1dn\u00e9 poplatky ani pen\u00e1le. Dobr\u00e9 je pojistit si dobu vypr\u0161en\u00ed fixace do kalend\u00e1\u0159e telefonu \u010di po\u010d\u00edta\u010de, abyste nezapomn\u011bli. Nejl\u00e9pe je t\u0159eba situaci za\u010d\u00edt \u0159e\u0161it tak dva m\u011bs\u00edce p\u0159ed vypr\u0161en\u00edm.P\u0159i prov\u00e1d\u011bn\u00ed samotn\u00e9ho aktu sledujte krom\u011b \u00farokov\u00e9 m\u00edry tak\u00e9 ostatn\u00ed poplatky, kter\u00e9 souvis\u00ed s hypot\u00e9kou \u2013 sjedn\u00e1n\u00ed, veden\u00ed \u00fa\u010dtu, odhad nemovitosti atd. Nav\u00edc kdy\u017e naraz\u00edte na v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku, m\u016f\u017eete s n\u00ed zaj\u00edt do sv\u00e9 banky, kde v\u00e1m specialista \u010dasto dok\u00e1\u017ee vyjednat stejn\u00e9 podm\u00ednky. Pokud ne, klidn\u011b odejd\u011bte.A jak\u00fd je postup? Nejprve mus\u00edte informovat st\u00e1vaj\u00edc\u00ed banku o tom, \u017ee chcete hypot\u00e9ku refinancovat. Ta v\u00e1m vy\u010d\u00edsl\u00ed z\u016fstatek, vypln\u00edte souhlas s p\u0159istoupen\u00edm nov\u00e9 banky a nech\u00e1te si vystavit dokument slibuj\u00edc\u00ed v\u00fdmaz z\u00e1stavn\u00edho pr\u00e1va k nemovitosti. Nov\u00e9 bance oznamte v\u00e1\u0161 z\u00e1m\u011br, vypl\u0148te \u017e\u00e1dost o hypote\u010dn\u00ed \u00fav\u011br a postupujte dle po\u017eadavk\u016f nov\u00e9 banky. Jakmile banka obdr\u017e\u00ed potvrzen\u00ed o p\u0159\u00edjmu a p\u016fvodn\u00ed \u00fav\u011brovou smlouvu, za\u010dne proces schvalov\u00e1n\u00ed. \u010casto ani nepot\u0159ebuj\u00ed nov\u00fd odhad nemovitosti, tak\u017ee zde se nav\u00fd\u0161en\u00ed n\u00e1klad\u016f ob\u00e1vat nemus\u00edte. Cel\u00fd proces zabere v\u011bt\u0161inou m\u00e9n\u011b ne\u017e 14 dn\u00ed. 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