[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.starweg.cz\/kdyz-konci-fixace-stavajiciho-hypotecniho-uveru\/#Article","mainEntityOfPage":"https:\/\/www.starweg.cz\/kdyz-konci-fixace-stavajiciho-hypotecniho-uveru\/","headline":"Kdy\u017e kon\u010d\u00ed fixace st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho \u00fav\u011bru?","name":"Kdy\u017e kon\u010d\u00ed fixace st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho \u00fav\u011bru?","description":"S nab\u00eddkami na refinancov\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f se v posledn\u00edch letech doslova roztrhl pytel, nen\u00ed se tak \u010demu divit, \u017ee \u010ce\u0161i neust\u00e1le p\u0159em\u00fd\u0161l\u00ed jak ud\u011blat spl\u00e1cen\u00ed je\u0161t\u011b v\u00fdhodn\u011bj\u0161\u00ed. Hlavn\u00edm c\u00edlem refinancov\u00e1n\u00ed je naj\u00edt p\u0159ed koncem doby fixace v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku od st\u00e1vaj\u00edc\u00edho, p\u0159\u00edpadn\u011b nov\u00e9ho v\u011b\u0159itele, refinancovat a nad\u00e1le spl\u00e1cet stejnou v\u00fd\u0161i \u00fav\u011bru za v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek. Hlavn\u00edm l\u00e1kadlem […]","datePublished":"2021-01-22","dateModified":"2023-06-08","author":{"@type":"Person","@id":"https:\/\/www.starweg.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.starweg.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"starweg.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.starweg.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_10_9.jpg","url":"https:\/\/www.starweg.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_10_9.jpg","height":0,"width":0},"url":"https:\/\/www.starweg.cz\/kdyz-konci-fixace-stavajiciho-hypotecniho-uveru\/","about":["Ekonomika"],"wordCount":439,"articleBody":"   S nab\u00eddkami na refinancov\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f se v posledn\u00edch letech doslova roztrhl pytel, nen\u00ed se tak \u010demu divit, \u017ee \u010ce\u0161i neust\u00e1le p\u0159em\u00fd\u0161l\u00ed jak ud\u011blat spl\u00e1cen\u00ed je\u0161t\u011b v\u00fdhodn\u011bj\u0161\u00ed. Hlavn\u00edm c\u00edlem refinancov\u00e1n\u00ed je naj\u00edt p\u0159ed koncem doby fixace v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku od st\u00e1vaj\u00edc\u00edho, p\u0159\u00edpadn\u011b nov\u00e9ho v\u011b\u0159itele, refinancovat a nad\u00e1le spl\u00e1cet stejnou v\u00fd\u0161i \u00fav\u011bru za v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek. Hlavn\u00edm l\u00e1kadlem m\u016f\u017ee b\u00fdt \u00farokov\u00e1 sazba, kter\u00e1 je velmi prom\u011bnliv\u00e1 a v p\u0159\u00edpad\u011b ni\u017e\u0161\u00ed sazby m\u016f\u017ee dlu\u017en\u00edk na hypote\u010dn\u00edm \u00fav\u011bru v\u00fdrazn\u011b u\u0161et\u0159it. Jak tedy refinancov\u00e1n\u00ed funguje v praxi, d\u00e1 se na n\u011bm u\u0161et\u0159it a kdy je ten nejvhodn\u011bj\u0161\u00ed \u010das pro refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru?Refinancov\u00e1n\u00ed je \u00fazce spjat\u00e9 s fixac\u00ed Fixace \u00farokov\u00e9 sazby hypote\u010dn\u00edho \u00fav\u011bru je obdob\u00ed, po kter\u00e9 dlu\u017en\u00edkovi banka (p\u0159\u00edpadn\u011b jin\u00fd subjekt) garantuje nem\u011bnnou v\u00fd\u0161i \u00farokov\u00e9 sazby. Toto obdob\u00ed je prom\u011bnliv\u00e9 a ka\u017ed\u00e1 banka ho m\u00e1 nastaven\u00e9 na jinak dlouho, m\u017ee to b\u00fdt 5, 8 nebo dokonce 10 let. V\u017edy z\u00e1le\u017e\u00ed na podm\u00ednk\u00e1ch dan\u00e9 uzav\u0159en\u00edm smlouvy. P\u0159ibli\u017en\u011b 3 m\u011bs\u00edce p\u0159ed ukon\u010den\u00edm doby fixace je dlu\u017en\u00edkovi zasl\u00e1na nab\u00eddka na nov\u00e9 fixa\u010dn\u00ed obdob\u00ed s navrhnutou \u00farokovou sazbou. Pokud dlu\u017en\u00edk nov\u00e9 podm\u00ednky smlouvy akceptuje, spl\u00e1c\u00ed d\u00e1l ten sam\u00fd hypote\u010dn\u00ed \u00fav\u011br. Refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru nast\u00e1v\u00e1 ve chv\u00edli, kdy dlu\u017en\u00edkovi nevyhovuj\u00ed nov\u00e9 podm\u00ednky smlouvy a s v\u011b\u0159itelem nenajdou spole\u010dn\u00e9 \u0159e\u0161en\u00ed, kter\u00e9 by vyhovovalo ob\u011bma stran\u00e1m. Co je to refinancov\u00e1n\u00ed a jak prob\u00edh\u00e1?Pokud se z jak\u00e9hokoliv d\u016fvodu dlu\u017en\u00edk na dal\u0161\u00ed fixn\u00ed obdob\u00ed nehodl\u00e1 novou nab\u00eddku akceptovat, nesk\u00fdt\u00e1v\u00e1 se mu t\u00edmto mo\u017enost splatit st\u00e1vaj\u00edc\u00ed \u00fav\u011br \u00fav\u011brem nov\u00fdm od jin\u00e9ho poskytovatele. Nov\u00fd \u00fav\u011br pak spl\u00e1c\u00ed stejn\u011b jako p\u0159edchoz\u00ed a pro n\u011bho se nic nem\u011bn\u00ed. Refinancov\u00e1n\u00ed hypot\u00e9ky Fahd by m\u011blo pro dlu\u017en\u00edka znamenat spl\u00e1cen\u00ed za v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek, ne\u017e tomu bylo doposud. V tomto p\u0159\u00edpad\u011b jsou v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky my\u0161leny p\u0159edev\u0161\u00edm ni\u017e\u0161\u00ed \u00farokovou sazbou, kter\u00e1 by m\u011bla \u00fav\u011br v\u00fdrazn\u011b zlevnit.                                                                                                                                                                                                                                                                                                                                                                                           3.9\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy\u017e kon\u010d\u00ed fixace st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho \u00fav\u011bru?","item":"https:\/\/www.starweg.cz\/kdyz-konci-fixace-stavajiciho-hypotecniho-uveru\/#breadcrumbitem"}]}]