[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.jmtcz.cz\/co-znamena-refinancovani-hypoteky-a-kdy-je-na-ni-ten-spravny-cas\/#Article","mainEntityOfPage":"https:\/\/www.jmtcz.cz\/co-znamena-refinancovani-hypoteky-a-kdy-je-na-ni-ten-spravny-cas\/","headline":"Co znamen\u00e1 refinancov\u00e1n\u00ed hypot\u00e9ky a kdy je na n\u00ed ten spr\u00e1vn\u00fd \u010das?","name":"Co znamen\u00e1 refinancov\u00e1n\u00ed hypot\u00e9ky a kdy je na n\u00ed ten spr\u00e1vn\u00fd \u010das?","description":"Hypot\u00e9kou je v dne\u0161n\u00ed dob\u011b zat\u00ed\u017een\u00e1 ka\u017ed\u00e1 t\u0159et\u00ed dom\u00e1cnost. Nen\u00ed se \u010demu divit, sen o vlastn\u00edm bydlen\u00ed si chce splnit ka\u017ed\u00fd z n\u00e1s. P\u0159esto z\u00e1jem o n\u011b se v posledn\u00edch letech rapidn\u011b sn\u00ed\u017eil, proto se banky neust\u00e1le p\u0159edh\u00e1n\u011bj\u00ed a nab\u00edz\u00ed l\u00e1kav\u011bj\u0161\u00ed podm\u00ednky. S v\u00fdhodn\u00fdmi nab\u00eddkami nav\u00edc p\u0159i\u0161ly i nebankovn\u00ed spole\u010dnosti a nab\u00edzej\u00ed zaj\u00edmav\u00e9 produkty, jako […]","datePublished":"2020-10-24","dateModified":"2023-05-22","author":{"@type":"Person","@id":"https:\/\/www.jmtcz.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.jmtcz.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"jmtcz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.jmtcz.cz\/wp-content\/uploads\/nov%C3%BD%20domov_10.jpg","url":"https:\/\/www.jmtcz.cz\/wp-content\/uploads\/nov%C3%BD%20domov_10.jpg","height":0,"width":0},"url":"https:\/\/www.jmtcz.cz\/co-znamena-refinancovani-hypoteky-a-kdy-je-na-ni-ten-spravny-cas\/","about":["Finance"],"wordCount":461,"articleBody":"     Hypot\u00e9kou je v dne\u0161n\u00ed dob\u011b zat\u00ed\u017een\u00e1 ka\u017ed\u00e1 t\u0159et\u00ed dom\u00e1cnost. Nen\u00ed se \u010demu divit, sen o vlastn\u00edm bydlen\u00ed si chce splnit ka\u017ed\u00fd z n\u00e1s. P\u0159esto z\u00e1jem o n\u011b se v posledn\u00edch letech rapidn\u011b sn\u00ed\u017eil, proto se banky neust\u00e1le p\u0159edh\u00e1n\u011bj\u00ed a nab\u00edz\u00ed l\u00e1kav\u011bj\u0161\u00ed podm\u00ednky. S v\u00fdhodn\u00fdmi nab\u00eddkami nav\u00edc p\u0159i\u0161ly i nebankovn\u00ed spole\u010dnosti a nab\u00edzej\u00ed zaj\u00edmav\u00e9 produkty, jako je hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu https:\/\/www.hypotekybezregistru.cz\/ nebo rychl\u00e9 p\u016fj\u010dky do p\u00e1r hodin. \u00darokov\u00e1 sazba se v pr\u016fb\u011bhu let neust\u00e1le m\u011bn\u00ed, jej\u00ed v\u00fd\u0161e se odv\u00edj\u00ed od nejr\u016fzn\u011bj\u0161\u00edch faktor\u016f. N\u011bkdy jsou hypot\u00e9ky v\u00fdhodn\u011bj\u0161\u00ed, jindy o n\u011bco m\u00e9n\u011b. Kdy je ten spr\u00e1vn\u00fd \u010das pro refinancov\u00e1n\u00ed hypot\u00e9ky?Refinancov\u00e1n\u00ed hypot\u00e9ky je v podstat\u011b splacen\u00ed star\u00e9ho \u00fav\u011bru nov\u00fdm, kter\u00fd nab\u00edz\u00ed zpravidla ni\u017e\u0161\u00ed \u00farokovou sazbu nebo v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky. Spr\u00e1vn\u00fd \u010das na refinancov\u00e1n\u00ed hypot\u00e9ky je tedy v p\u0159\u00edpad\u011b, kdy n\u00e1m jin\u00e1 banka nab\u00eddne v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku. V dne\u0161n\u00ed dob\u011b je mo\u017en\u00e9 hypot\u00e9ku splatit p\u0159ed\u010dasn\u011b t\u00e9m\u011b\u0159 kdykoliv. Nejlep\u0161\u00ed doba pro refinancov\u00e1n\u00ed hypot\u00e9ky je zpravidla p\u0159ed koncem fixace. V p\u0159\u00edpad\u011b, kdy se rozhodnete odej\u00edt ke konkurenci v dob\u011b fixace, banka v\u00e1m nem\u016f\u017ee stanovit \u017e\u00e1dn\u00e9 poplatky ani sankce za p\u0159ed\u010dasn\u00e9 splacen\u00ed. O aktu\u00e1ln\u00edch podm\u00ednk\u00e1ch ostatn\u00edch bank se za\u010dn\u011bte zaj\u00edmat alespo\u0148 dop\u0159edu. Jak refinancovat hypot\u00e9ku?Refinancov\u00e1n\u00ed hypot\u00e9ky nen\u00ed nikterak slo\u017eit\u00e9. V prvn\u00ed \u0159ad\u011b je pot\u0159eba uv\u011bdomit banku, u kter\u00e9 m\u00e1te hypot\u00e9ku, \u017ee m\u00e1t v pl\u00e1nu sv\u016fj st\u00e1vaj\u00edc\u00ed hypote\u010dn\u00ed \u00fav\u011br refinancovat. Je pot\u0159eba banku po\u017e\u00e1dat o vy\u010d\u00edslen\u00ed \u00fav\u011bru a vymazat z\u00e1stavn\u00ed pr\u00e1vo k dan\u00e9 nemovitosti. Pak u\u017e nezb\u00fdv\u00e1 ne\u017e ozn\u00e1mit nov\u00e9 bance, \u017ee v\u00e1s zaujali jej\u00ed podm\u00ednky a hodl\u00e1te tak refinancovat svou hypot\u00e9ku pr\u00e1v\u011b u nich. N\u00e1sledn\u011b u\u017e sta\u010d\u00ed vyplnit v\u0161echny pot\u0159ebn\u00e9 doklady a domluvit se s hypote\u010dn\u00edm specialistou na dal\u0161\u00edm postupu. Nov\u00e1 banka po v\u00e1s bude vy\u017eadovat potvrzen\u00ed o m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmu a p\u016fvodn\u00ed \u00fav\u011brovou smlouvu. Pokud bude m\u00edt tyto dva dokumenty v ruce, u\u017e nic nebr\u00e1n\u00ed ve schv\u00e1len\u00ed. Cel\u00fd proces refinancov\u00e1n\u00ed je o pozn\u00e1n\u00ed rychlej\u0161\u00ed ne\u017e samotn\u00e9 sjedn\u00e1n\u00ed hypot\u00e9ky a v pr\u016fm\u011bru trv\u00e1 kolem 14 dn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           3.8\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co znamen\u00e1 refinancov\u00e1n\u00ed hypot\u00e9ky a kdy je na n\u00ed ten spr\u00e1vn\u00fd \u010das?","item":"https:\/\/www.jmtcz.cz\/co-znamena-refinancovani-hypoteky-a-kdy-je-na-ni-ten-spravny-cas\/#breadcrumbitem"}]}]