[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/fixace-urokove-sazby\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/fixace-urokove-sazby\/","headline":"Fixace \u00farokov\u00e9 sazby","name":"Fixace \u00farokov\u00e9 sazby","description":"Fixace \u00farokov\u00e9 sazby aneb m\u011bnit tuto veli\u010dinu nebo nem\u011bnit? To je ot\u00e1zka, na kterou se sna\u017e\u00edme p\u0159ij\u00edt u\u017e cel\u00e9 roky. Kdy\u017e se n\u011bkde vzpomene fixace \u00faroku, tak je ka\u017ed\u00fd hned pro, proto\u017ee si mysl\u00ed, \u017ee to p\u0159in\u00e1\u0161\u00ed jenom sam\u00e9 v\u00fdhody, ale je tomu opravdu tak? Nebo se za t\u00edm schov\u00e1v\u00e1 je\u0161t\u011b n\u011bco jin\u00e9ho? V\u00edte nap\u0159\u00edklad, &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/fixace-urokove-sazby\/\"> <span class=\"screen-reader-text\">Fixace \u00farokov\u00e9 sazby<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-04","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.zerba.cz\/fixace-urokove-sazby\/","about":["P\u016fj\u010dky"],"wordCount":557,"articleBody":"Fixace \u00farokov\u00e9 sazby aneb m\u011bnit tuto veli\u010dinu nebo nem\u011bnit? To je ot\u00e1zka, na kterou se sna\u017e\u00edme p\u0159ij\u00edt u\u017e cel\u00e9 roky. Kdy\u017e se n\u011bkde vzpomene fixace \u00faroku, tak je ka\u017ed\u00fd hned pro, proto\u017ee si mysl\u00ed, \u017ee to p\u0159in\u00e1\u0161\u00ed jenom sam\u00e9 v\u00fdhody, ale je tomu opravdu tak? Nebo se za t\u00edm schov\u00e1v\u00e1 je\u0161t\u011b n\u011bco jin\u00e9ho? V\u00edte nap\u0159\u00edklad, \u017ee po ukon\u010den\u00ed fixace by bylo mo\u017en\u00e9 doplatit cel\u00fd \u00fav\u011br? Netu\u0161ili jste, \u017ee je to mo\u017en\u00e9? Je nav\u00edc mo\u017en\u00e9 si nechat zafixovat \u00farok u v\u0161ech typ\u016f \u00fav\u011br\u016f? Prozrad\u00edme je\u0161t\u011b v\u00edce podrobnost\u00ed.\tT\u00fdk\u00e1 se dlouhodob\u00fdch \u00fav\u011br\u016fTakzvan\u00e1 fixace je v\u011bt\u0161inou spjata s&nbsp;dlouhodob\u00fdmi \u00fav\u011bry. Nej\u010dast\u011bji se s&nbsp;n\u00ed m\u016f\u017eeme setkat p\u0159i hypote\u010dn\u00edm \u00fav\u011bru, proto\u017ee ten se sjedn\u00e1v\u00e1 nap\u0159\u00edklad na dvacet a\u017e t\u0159icet let doby spl\u00e1cen\u00ed. Nastav\u00ed se v\u00fd\u0161e spl\u00e1tek, spole\u010dn\u011b s&nbsp;\u00farokovou sazbou a doba spl\u00e1cen\u00ed, abychom cel\u00fd \u00fav\u011br mohli za ur\u010ditou dobu splatit. Podle toho, jak vysokou \u010d\u00e1stku dostaneme, jak dlouho chceme spl\u00e1cet a jak\u00fd je \u00farok, se vypo\u010d\u00edt\u00e1 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka. V&nbsp;tomto p\u0159\u00edpad\u011b se fixace bude t\u00fdkat jednoho \u010dlena z&nbsp;t\u011bchto v\u00fdpo\u010dt\u016f, a to \u00farokov\u00e9 sazby. Ta m\u016f\u017ee b\u00fdt zafixov\u00e1na po celou dobu spl\u00e1cen\u00ed nebo na p\u00e1r let, a z\u016fstane nem\u011bnn\u00e1. To znamen\u00e1, \u017ee se \u00farok nebude m\u011bnit. Ani navy\u0161ovat, ale ani klesat v&nbsp;z\u00e1vislosti na tr\u017en\u00ed ekonomice a aktu\u00e1ln\u00edm v\u00fdvoji trend\u016f. Z\u016fstane tedy po dobu, na jakou bude fixace ur\u010den\u00e1, nem\u011bnn\u00fd. Fixaci je mo\u017en\u00e9 nastavit na dobu jednoho roku, t\u0159\u00ed let, p\u011bti let nebo na jinou dobu. \u00darok se tedy po tuto dobu nem\u011bn\u00ed. Jakmile se fixace nastav\u00ed na n\u011bjak\u00e9 obdob\u00ed, pak \u00farok z\u016fstane nem\u011bnn\u00fd. To znamen\u00e1 zafixovan\u00fd. V&nbsp;n\u011bkter\u00fdch p\u0159\u00edpadech hypote\u010dn\u00edch \u00fav\u011br\u016f, m\u016f\u017ee b\u00fdt fixace \u00farokov\u00e9 sazby nastaven\u00e1 na celou dobu splatnosti. To znamen\u00e1, \u017ee jakmile na za\u010d\u00e1tku bude \u00farokov\u00e1 sazba nastavena, u\u017e se nad\u00e1le nebude m\u011bnit. Nesm\u00ed tedy stoupat, ale ani klesat v&nbsp;z\u00e1vislosti na ekonomice zem\u011b nebo vlivem ostatn\u00edch z\u00e1konn\u00fdch \u010di jin\u00fdch podm\u00ednek. Pokud by byla fixace nastaven\u00e1 na obdob\u00ed jednoho roku a vy je\u0161t\u011b pot\u00e9 spl\u00e1celi dal\u0161\u00edch p\u011bt let, pak se \u00farokov\u00e1 m\u00edra nebude m\u011bnit po dobu jednoho roku, ale jakmile fixace skon\u010d\u00ed, m\u016f\u017ee r\u016fzn\u011b klesat nebo stoupat a m\u016f\u017ee se m\u011bnit dle aktu\u00e1ln\u00edch hodnot a aktu\u00e1ln\u00edch trend\u016f. Ve\u0161ker\u00e9 podm\u00ednky se sjedn\u00e1vaj\u00ed ihned p\u0159i vy\u0159izov\u00e1n\u00ed \u00fav\u011bru, kde v\u00e1m mus\u00ed sd\u011blit, jak je to s&nbsp;fixac\u00ed a jej\u00edmi podm\u00ednkami. Fixaci si ka\u017ed\u00e1 spole\u010dnost poskytuj\u00edc\u00ed \u00fav\u011bry, \u010di banka nebo nebankovn\u00ed spole\u010dnost, m\u016f\u017ee nastavit jin\u00fdm zp\u016fsobem, dle r\u016fzn\u00fdch typ\u016f \u00fav\u011br\u016f. Na konci fixace je mo\u017en\u00e9 splatit \u010d\u00e1st nebo cel\u00fd \u00fav\u011br. Tato slu\u017eba je bez poplatk\u016f.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Fixace \u00farokov\u00e9 sazby","item":"https:\/\/www.zerba.cz\/fixace-urokove-sazby\/#breadcrumbitem"}]}]