[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.infe.cz\/refinancovani-hypoteky-v-kostce\/#Article","mainEntityOfPage":"https:\/\/www.infe.cz\/refinancovani-hypoteky-v-kostce\/","headline":"Refinancov\u00e1n\u00ed hypot\u00e9ky v kostce","name":"Refinancov\u00e1n\u00ed hypot\u00e9ky v kostce","description":"V\u00fd\u0161e \u00farokov\u00e9 sazby u \u00fav\u011brov\u00fdch produkt\u016f nen\u00ed st\u00e1l\u00e9, ale v pr\u016fb\u011bhu let se neust\u00e1le m\u011bn\u00ed. N\u011bkdy roste, n\u011bkdy naopak kles\u00e1 a spole\u010dn\u011b s n\u00ed se m\u011bn\u00ed i v\u00fdhodnost jednotliv\u00fdch hypote\u010dn\u00edch i spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f. C\u00edlem v\u011b\u0159itele by ale v\u017edy m\u011blo b\u00fdt spl\u00e1cet co nejmen\u0161\u00ed mo\u017enou \u010d\u00e1stku. I z tohoto d\u016fvodu vzniklo tzv. refinancov\u00e1n\u00ed hypot\u00e9ky Fahd.cz. Ov\u0161em ... <a title=\"Refinancov\u00e1n\u00ed hypot\u00e9ky v kostce\" class=\"read-more\" href=\"https:\/\/www.infe.cz\/refinancovani-hypoteky-v-kostce\/\">Read more<span class=\"screen-reader-text\">Refinancov\u00e1n\u00ed hypot\u00e9ky v kostce<\/span><\/a>","datePublished":"2021-01-22","dateModified":"2023-05-11","author":{"@type":"Person","@id":"https:\/\/www.infe.cz\/author\/#Person","name":"","url":"https:\/\/www.infe.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/da76ffe9456a057fb26f92cd8eb3d2effca853864e9ae2a35290bd1e10b1f7d4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/da76ffe9456a057fb26f92cd8eb3d2effca853864e9ae2a35290bd1e10b1f7d4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"infe.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.infe.cz\/wp-content\/uploads\/%C4%8Dten%C3%AD%20smlouvy_7.jpg","url":"https:\/\/www.infe.cz\/wp-content\/uploads\/%C4%8Dten%C3%AD%20smlouvy_7.jpg","height":0,"width":0},"url":"https:\/\/www.infe.cz\/refinancovani-hypoteky-v-kostce\/","about":["Finance"],"wordCount":423,"articleBody":"   V\u00fd\u0161e \u00farokov\u00e9 sazby u \u00fav\u011brov\u00fdch produkt\u016f nen\u00ed st\u00e1l\u00e9, ale v pr\u016fb\u011bhu let se neust\u00e1le m\u011bn\u00ed. N\u011bkdy roste, n\u011bkdy naopak kles\u00e1 a spole\u010dn\u011b s n\u00ed se m\u011bn\u00ed i v\u00fdhodnost jednotliv\u00fdch hypote\u010dn\u00edch i spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f. C\u00edlem v\u011b\u0159itele by ale v\u017edy m\u011blo b\u00fdt spl\u00e1cet co nejmen\u0161\u00ed mo\u017enou \u010d\u00e1stku. I z tohoto d\u016fvodu vzniklo tzv. refinancov\u00e1n\u00ed hypot\u00e9ky Fahd.cz. Ov\u0161em aby bylo skute\u010dn\u011b v\u00fdhodn\u00e9 p\u016fvodn\u00ed \u00fav\u011br refinancovat, je zapot\u0159eb\u00ed hned n\u011bkolik okolnost\u00ed. Jak tedy p\u0159i refinancov\u00e1n\u00ed postupovat? Refinancov\u00e1n\u00ed dok\u00e1\u017ee u\u0161et\u0159it tis\u00edcePoj\u010fme si tedy v rychlosti vysv\u011btlit, jak takov\u00fd proces v\u016fbec prob\u00edh\u00e1 a co od n\u011bho m\u016f\u017eeme o\u010dek\u00e1vat. Refinancov\u00e1n\u00ed hypot\u00e9ky nemus\u00ed b\u00fdt v\u017edy tak v\u00fdhodn\u00e9, jak by se na prvn\u00ed pohled mohlo zd\u00e1t, d\u016fle\u017eit\u00fd je hlavn\u011b \u010das, kdy k refinancov\u00e1n\u00ed dojde. V\u00fdhodnost refinancov\u00e1n\u00ed m\u016f\u017eeme snadno posoudit v internetov\u00fdch kalkul\u00e1torech hypote\u010dn\u00edch \u00fav\u011br\u016f. Ty dle vypln\u011bn\u00fdch \u00fadaj\u016f dok\u00e1\u017e\u00ed vyhodnotit, kter\u00fd hypote\u010dn\u00ed \u00fav\u011br bude v danou chv\u00edli nejv\u00fdhodn\u011bj\u0161\u00ed. Konkr\u00e9tn\u00ed informace pak \u017eadatel z\u00edsk\u00e1 na pobo\u010dce dan\u00e9 banky. Refinancov\u00e1n\u00ed je vlastn\u011b velmi jednoduch\u00fd proces. Banka, kter\u00e1 refinancov\u00e1n\u00ed poskytuje, v\u00e1\u0161 st\u00e1vaj\u00edc\u00ed hypote\u010dn\u00ed \u00fav\u011br splat\u00ed st\u00e1vaj\u00edc\u00edmu v\u011b\u0159iteli a m\u00edsto n\u011bho v\u00e1m poskytne nov\u00fd. Pro v\u00e1s se v podstat\u011b nic nam\u011bn\u00ed, pouze budete spl\u00e1cet nov\u00e9mu v\u011b\u0159iteli pro v\u00e1s za v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek. Refinancov\u00e1n\u00ed v\u0161ak v\u016fbec nemus\u00ed prob\u00edhat mezi dv\u011bma r\u016fzn\u00fdmi v\u011b\u0159iteli, je mo\u017en\u00e9 refinancovat v r\u00e1mci jedn\u00e9 banky. Kdy je ten spr\u00e1vn\u00fd \u010das na refinancov\u00e1n\u00ed?Refinancov\u00e1n\u00ed je v\u00fdhodn\u00e9 jen za p\u0159edpokladu, \u017ee je tento proces proveden v ten spr\u00e1vn\u00fd okam\u017eik. V prvn\u00ed \u0159ad\u011b je tedy d\u016fle\u017eit\u00e9 zjistit, zda se n\u00e1m refinancov\u00e1n\u00ed v\u016fbec vyplat\u00ed. Spr\u00e1vn\u00fd \u010das nast\u00e1v\u00e1 p\u0159ed koncem doby fixace. Refinancovat b\u011bhem obdob\u00ed fixace je u v\u011bt\u0161iny hypote\u010dn\u00edch \u00fav\u011bru zna\u010dn\u011b nev\u00fdhodn\u00e9, nebo\u0165 s p\u0159ed\u010dasn\u00fdm splacen\u00edm \u00fav\u011bru jsou spojeny vysok\u00e9 sank\u010dn\u00ed poplatky. Ty jsou v n\u011bkter\u00fdch p\u0159\u00edpadech v \u0159\u00e1dech statis\u00edc\u016f.                                                                                                                                                                                                                                                                                                                                                                                           4.1\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Refinancov\u00e1n\u00ed hypot\u00e9ky v kostce","item":"https:\/\/www.infe.cz\/refinancovani-hypoteky-v-kostce\/#breadcrumbitem"}]}]