[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/hypoteka-predcasne-splaceni\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/hypoteka-predcasne-splaceni\/","headline":"Hypot\u00e9ka p\u0159ed\u010dasn\u00e9 splacen\u00ed","name":"Hypot\u00e9ka p\u0159ed\u010dasn\u00e9 splacen\u00ed","description":"Dal\u0161\u00edm hodn\u011b diskutovateln\u00fdm t\u00e9matem je p\u0159ed\u010dasn\u00e9 splacen\u00ed u hypot\u00e9k. Je to mo\u017en\u00e9? Ano, samoz\u0159ejm\u011b, \u017ee je to mo\u017en\u00e9, ale v&nbsp;minulosti jsme se mohli setkat i s&nbsp;t\u00edm, \u017ee za tuto &bdquo;drobnost&ldquo;, byly \u00fa\u010dtov\u00e1ny vysok\u00e9 poplatky. Jak je tomu v&nbsp;dne\u0161n\u00ed dob\u011b? Zm\u011bnilo se n\u011bco? M\u016f\u017eeme \u0159\u00edct, \u017ee v&nbsp;posledn\u00ed dob\u011b upravila \u010cNB i tyto podm\u00ednky. Hypot\u00e9kou se obecn\u011b &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/hypoteka-predcasne-splaceni\/\"> <span class=\"screen-reader-text\">Hypot\u00e9ka p\u0159ed\u010dasn\u00e9 splacen\u00ed<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-01","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\/hypoteka-predcasne-splaceni\/","about":["Hypot\u00e9ky"],"wordCount":488,"articleBody":"Dal\u0161\u00edm hodn\u011b diskutovateln\u00fdm t\u00e9matem je p\u0159ed\u010dasn\u00e9 splacen\u00ed u hypot\u00e9k. Je to mo\u017en\u00e9? Ano, samoz\u0159ejm\u011b, \u017ee je to mo\u017en\u00e9, ale v&nbsp;minulosti jsme se mohli setkat i s&nbsp;t\u00edm, \u017ee za tuto &bdquo;drobnost&ldquo;, byly \u00fa\u010dtov\u00e1ny vysok\u00e9 poplatky. Jak je tomu v&nbsp;dne\u0161n\u00ed dob\u011b? Zm\u011bnilo se n\u011bco? M\u016f\u017eeme \u0159\u00edct, \u017ee v&nbsp;posledn\u00ed dob\u011b upravila \u010cNB i tyto podm\u00ednky.Hypot\u00e9kou se obecn\u011b m\u00edn\u00ed \u00fav\u011br, u kter\u00e9ho ru\u010d\u00edme n\u011bjakou nemovitost\u00ed. Nemovitost vlastn\u00edme a m\u016f\u017eeme ji poskytnout jako takzvanou &bdquo;z\u00e1stavu&ldquo;. Jestli\u017ee s&nbsp;n\u00ed budeme ru\u010dit a po\u017e\u00e1d\u00e1me o \u00fav\u011br, jedn\u00e1 se tedy o hypote\u010dn\u00ed \u00fav\u011br, zkr\u00e1cen\u011b hypot\u00e9ku. S&nbsp;hypot\u00e9kou se \u0159e\u0161\u00ed n\u00e1klady spojen\u00e9 s&nbsp;bydlen\u00edm, m\u016f\u017eete tedy se z\u00edskan\u00fdmi pen\u011bzi financovat stavbu domu, koupi bytu nebo rekonstrukci bytu \u010di domu, p\u0159\u00edstavbu a stavbu a spoustu dal\u0161\u00edho. Hypote\u010dn\u00ed \u00fav\u011br zprost\u0159edkov\u00e1vaj\u00ed bankovn\u00ed i nebankovn\u00ed instituce.Tak\u017ee p\u0159ejdeme, k&nbsp;ji\u017e zm\u00edn\u011bn\u00e9mu p\u0159ed\u010dasn\u00e9mu splacen\u00ed. Jakmile hypot\u00e9ku ji\u017e n\u011bjakou dobu plat\u00edte a dostanete se n\u011bjak\u00fdm zp\u016fsobem k&nbsp;dal\u0161\u00edm pen\u011bz\u016fm, m\u016f\u017eete p\u0159em\u00fd\u0161let o p\u0159ed\u010dasn\u00e9m splacen\u00ed. Doposud tento \u00fakon byl sp\u00ed\u0161e nev\u00fdhodn\u00fd. V&nbsp;historii jsme se setk\u00e1vali s&nbsp;t\u00edm, \u017ee za to byly hodn\u011b vysok\u00e9 poplatky a sazby. V&nbsp;dne\u0161n\u00ed dob\u011b je tomu jinak.\t\u010cNB upravila z\u00e1kladn\u00ed podm\u00ednkyNastal rok 2019 a \u010cNB se zam\u011b\u0159ila i na poplatky souvisej\u00edc\u00ed s&nbsp;p\u0159ed\u010dasn\u00fdm splacen\u00edm hypot\u00e9ky. Po t\u00e9to \u00faprav\u011b by se dalo \u0159\u00edct, \u017ee bank\u00e1m zbylo jen minimum toho, co si mohou na\u00fa\u010dtovat, tak\u017ee p\u0159ed\u010dasn\u00e9 splacen\u00ed by mohlo b\u00fdt t\u00e9m\u011b\u0159 u v\u0161ech instituc\u00ed skoro zadarmo. Banky nyn\u00ed nesm\u00ed \u00fa\u010dtovat sv\u00fdm klient\u016fm n\u00e1klady spojen\u00e9 se zaji\u0161t\u011bn\u00edm zdroj\u016f pro poskytnut\u00ed hypot\u00e9ky, kter\u00e9 \u010dasto banky \u00fa\u010dtovaly. Banka nesm\u00ed za\u00fa\u010dtovat ani provize, kter\u00e9 zaplatila zprost\u0159edkovateli za poskytnut\u00ed \u00fav\u011bru. Pozor by si m\u011bly d\u00e1t banky i v&nbsp;p\u0159\u00edpad\u011b um\u011bl\u00e9ho navy\u0161ov\u00e1n\u00ed. To ji\u017e nen\u00ed povoleno a banky v&nbsp;t\u00e9to souvislosti nesm\u00ed klient\u016fm \u00fa\u010dtovat \u017e\u00e1dn\u00e9 n\u00e1klady nav\u00edc, ale pouze takov\u00e9, kter\u00e9 jsou prokazateln\u011b za\u00fa\u010dtovan\u00e9 v&nbsp;\u00fa\u010detnictv\u00ed.D\u00edky t\u011bmto krok\u016fm se hodn\u011b sn\u00ed\u017e\u00ed poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed. Proto se ji\u017e v&nbsp;dne\u0161n\u00ed dob\u011b nemus\u00edte ob\u00e1vat, \u017ee by za p\u0159ed\u010dasn\u00e9 splacen\u00ed byly milionov\u00e9 sankce. U ka\u017ed\u00e9ho v\u011b\u0159itele, poskytovatele \u00fav\u011bru, se v\u0161ak tyto podm\u00ednky mohou st\u00e1le trochu od sebe li\u0161it.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka p\u0159ed\u010dasn\u00e9 splacen\u00ed","item":"https:\/\/www.zerba.cz\/hypoteka-predcasne-splaceni\/#breadcrumbitem"}]}]