[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.recado.cz\/vyhodnejsi-podminky-uveru-za-pomoci-refinancovani\/#Article","mainEntityOfPage":"https:\/\/www.recado.cz\/vyhodnejsi-podminky-uveru-za-pomoci-refinancovani\/","headline":"V\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky \u00fav\u011bru za pomoci refinancov\u00e1n\u00ed","name":"V\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky \u00fav\u011bru za pomoci refinancov\u00e1n\u00ed","description":"Asi nen\u00ed s \u017e\u00e1dn\u00fdm podivem, \u017ee o refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru m\u00e1 ka\u017edoro\u010dn\u011b z\u00e1jem n\u011bkolik tis\u00edc \u010cech\u016f. Jedn\u00e1...","datePublished":"2021-01-22","dateModified":"2023-05-30","author":{"@type":"Person","@id":"https:\/\/www.recado.cz\/author\/#Person","name":"","url":"https:\/\/www.recado.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/01173f1da90dde8adb887d6793fa4e42c4004e53f8d645d9b1cb57c2dee8e188?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/01173f1da90dde8adb887d6793fa4e42c4004e53f8d645d9b1cb57c2dee8e188?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"recado.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.recado.cz\/wp-content\/uploads\/nov%C3%A9%20bydlen%C3%AD_5.jpg","url":"https:\/\/www.recado.cz\/wp-content\/uploads\/nov%C3%A9%20bydlen%C3%AD_5.jpg","height":0,"width":0},"url":"https:\/\/www.recado.cz\/vyhodnejsi-podminky-uveru-za-pomoci-refinancovani\/","wordCount":421,"articleBody":"   Asi nen\u00ed s \u017e\u00e1dn\u00fdm podivem, \u017ee o refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru m\u00e1 ka\u017edoro\u010dn\u011b z\u00e1jem n\u011bkolik tis\u00edc \u010cech\u016f. Jedn\u00e1 se o pom\u011brn\u011b nov\u00fd produkt bankovn\u00edch i nebankovn\u00edch poskytovatel\u016f, kter\u00fd si v\u0161ak velmi rychle z\u00edskal na obl\u00edbenosti. Hlavn\u00edm c\u00edlem refinancov\u00e1n\u00ed hypot\u00e9ky je naj\u00edt je\u0161t\u011b p\u0159ed vypr\u0161en\u00edm fixace v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky v \u010dele s ni\u017e\u0161\u00ed \u00farokovou sazbou dal\u0161\u00edch poskytovatel\u016f a n\u00e1sledn\u011b u\u0161et\u0159it. Jak tedy vlastn\u011b takov\u00e9 refinancov\u00e1n\u00ed funguje, na co si d\u00e1t pozor a jak se li\u0161\u00ed refinancov\u00e1n\u00ed a konsolidace \u00fav\u011br\u016f? Pro\u010d je pro refinancov\u00e1n\u00ed tolik d\u016fle\u017eit\u00e1 doba fixace?Refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru je v\u00fdhodn\u00e9 jen za ur\u010dit\u00fdch podm\u00ednek. D\u016fle\u017eitou roli zde hraje doba fixace. Zat\u00edmco v obdob\u00ed, kter\u00e9 je pevn\u011b sv\u00e1z\u00e1no fixac\u00ed, je krajn\u011b refinancov\u00e1n\u00ed krajn\u011b nev\u00fdhodn\u00e9, po vypr\u0161en\u00ed t\u00e9to lh\u016fty m\u016f\u017ee \u017eadatel p\u0159estupem k jin\u00e9mu \u00fav\u011brov\u00e9mu poskytovateli v\u00fdrazn\u011b u\u0161et\u0159it, p\u0159\u00edpadn\u011b z\u00edskat v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky. V dob\u011b fixace je p\u0159ed\u010dasn\u00e9 splacen\u00ed mnohdy spjato s vysok\u00fdmi sank\u010dn\u00edmi poplatky, kter\u00e9 ve v\u00fdsledku m\u016f\u017eou v\u00fdhody z nov\u00e9ho \u00fav\u011bru p\u0159ev\u00fd\u0161it. Doba fixace je u jednotliv\u00fdch \u00fav\u011brov\u00fdch poskytovatel\u016f rozd\u00edln\u00e1, n\u011bkde m\u016f\u017ee trvat 5, jinde klidn\u011b 10 let. V\u017edy z\u00e1le\u017e\u00ed na p\u0159edem smluven\u00fdch podm\u00ednk\u00e1ch mezi poskytovatelem a klientem. Dlu\u017en\u00edkovi jsou nejpozd\u011bji t\u0159i m\u011bs\u00edce p\u0159ed vypr\u0161en\u00edm doby, kter\u00e1 je sv\u00e1z\u00e1na fixac\u00ed, posl\u00e1ny nov\u00e9 podm\u00ednky na dal\u0161\u00ed obdob\u00ed. Pokud dlu\u017en\u00edk novou nab\u00eddku akceptuje, v z\u00e1sad\u011b se pro n\u011bj nic nem\u011bn\u00ed a i nad\u00e1le spl\u00e1c\u00ed \u00fav\u011br st\u00e1vaj\u00edc\u00edmu v\u011b\u0159iteli. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b je ten prav\u00fd \u010das na refinancov\u00e1n\u00ed hypot\u00e9ky. Jak\u00fd je rozd\u00edl mezi refinancov\u00e1n\u00edm a konsolidac\u00ed p\u016fj\u010dek?V principu se jedn\u00e1 o ten sam\u00ed postup. Konsolidace je v\u0161ak prim\u00e1rn\u011b ur\u010dena ke slou\u010den\u00ed n\u011bkolika \u00fav\u011br\u016f v jeden za doc\u00edlen\u00ed v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek pro dlu\u017en\u00edka. Z konsolidace plyne i nutnost spl\u00e1cet pouze jednomu v\u011b\u0159iteli, co\u017e je pro mnoh\u00e9 v\u011b\u0159itele daleko pohodln\u011bj\u0161\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.1\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky \u00fav\u011bru za pomoci refinancov\u00e1n\u00ed","item":"https:\/\/www.recado.cz\/vyhodnejsi-podminky-uveru-za-pomoci-refinancovani\/#breadcrumbitem"}]}]