[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/poplatek-za-predcasne-splaceni-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/poplatek-za-predcasne-splaceni-hypoteky\/","headline":"Poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky","name":"Poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky","description":"P\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky bylo v&nbsp;minulosti, jestli to tak m\u016f\u017eeme \u0159\u00edct, vlastn\u011b ve sv\u00e9 podstat\u011b pokutov\u00e1no, proto\u017ee banky v\u00e1m v&nbsp;p\u0159\u00edpad\u011b p\u0159ed\u010dasn\u00e9ho splacen\u00ed na\u00fa\u010dtovaly tak vysok\u00e9 pen\u00e1le, \u017ee jste celou hypot\u00e9ku skoro a\u017e dvakr\u00e1t p\u0159eplatili. To samoz\u0159ejm\u011b s&nbsp;nads\u00e1zkou. Byly ale \u010dasto \u00fa\u010dtov\u00e1ny vysok\u00e9 sazby a poplatky, tak\u017ee o n\u011bjak\u00e9m p\u0159ed\u010dasn\u00e9m splacen\u00ed hypot\u00e9ky nemohla b\u00fdt ani \u0159e\u010d. Tedy &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/poplatek-za-predcasne-splaceni-hypoteky\/\"> <span class=\"screen-reader-text\">Poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-13","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\/poplatek-za-predcasne-splaceni-hypoteky\/","about":["Hypot\u00e9ky"],"wordCount":484,"articleBody":"P\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky bylo v&nbsp;minulosti, jestli to tak m\u016f\u017eeme \u0159\u00edct, vlastn\u011b ve sv\u00e9 podstat\u011b pokutov\u00e1no, proto\u017ee banky v\u00e1m v&nbsp;p\u0159\u00edpad\u011b p\u0159ed\u010dasn\u00e9ho splacen\u00ed na\u00fa\u010dtovaly tak vysok\u00e9 pen\u00e1le, \u017ee jste celou hypot\u00e9ku skoro a\u017e dvakr\u00e1t p\u0159eplatili. To samoz\u0159ejm\u011b s&nbsp;nads\u00e1zkou. Byly ale \u010dasto \u00fa\u010dtov\u00e1ny vysok\u00e9 sazby a poplatky, tak\u017ee o n\u011bjak\u00e9m p\u0159ed\u010dasn\u00e9m splacen\u00ed hypot\u00e9ky nemohla b\u00fdt ani \u0159e\u010d. Tedy pouze v&nbsp;p\u0159\u00edpad\u011b, \u017ee byste si pohl\u00eddali v\u00fdro\u010d\u00ed sjedn\u00e1n\u00ed va\u0161\u00ed hypot\u00e9ky, kdy bylo mo\u017en\u00e9 jednou za x let splatit zdarma \u010d\u00e1st hypot\u00e9ky. S&nbsp;takov\u00fdmi podm\u00ednkami se na\u0161t\u011bst\u00ed u\u017e nikde nesetk\u00e1te a v&nbsp;dne\u0161n\u00ed dob\u011b m\u00e1te v\u00edce mo\u017enost\u00ed, jak p\u0159ed\u010dasn\u011b splatit hypot\u00e9ku, a to bu\u010fto jej\u00ed \u010d\u00e1st 25 % z&nbsp;jej\u00ed v\u00fd\u0161e jednou za rok b\u011bhem fixace nebo p\u0159\u00edpadn\u011b doplatit celou hypot\u00e9ku.\tJak\u00e9 sazby a poplatky se za to mohou na\u00fa\u010dtovat?Dal\u0161\u00ed ot\u00e1zkou z\u016fst\u00e1v\u00e1, jak\u00e9 sazby a \u010d\u00e1stky se za tuto &bdquo;slu\u017ebu&ldquo;, mohou na\u00fa\u010dtovat. Banky ji\u017e v&nbsp;tomto ohledu maj\u00ed hodn\u011b sv\u00e1zan\u00e9 ruce. \u010cNB toti\u017e vydala dal\u0161\u00ed normy a na\u0159\u00edzen\u00ed, kter\u00e9 je t\u0159eba respektovat a jasn\u011b definuje podm\u00ednky p\u0159ed\u010dasn\u00e9ho splacen\u00ed u hypot\u00e9k. Banky nyn\u00ed u\u017e nemohou \u00fa\u010dtovat u\u0161l\u00e9 finance, ani \u017e\u00e1dn\u00e9 n\u00e1klady na poskytov\u00e1n\u00ed \u00fav\u011bru, provize zprost\u0159edkovateli nebo n\u00e1klady na financov\u00e1n\u00ed \u00fav\u011bru. Mohou si v\u0161ak za\u00fa\u010dtovat administrativn\u00ed n\u00e1klady spojen\u00e9 a vynalo\u017een\u00e9 s&nbsp;poskytnut\u00edm hypot\u00e9ky.V&nbsp;p\u0159\u00edpad\u011b poplatk\u016f za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky bychom se tedy \u010d\u00edm d\u00e1l \u010dast\u011bji v&nbsp;budoucnu m\u011bli setk\u00e1vat s&nbsp;t\u00edm, \u017ee hypot\u00e9ky bude mo\u017en\u00e9 splatit kdykoliv b\u011bhem doby spl\u00e1cen\u00ed, a to nejenom m\u011bs\u00edc p\u0159ed v\u00fdro\u010dn\u00edm dnem, ale naprosto kdykoliv b\u011bhem cel\u00e9ho roku a nem\u011bly by za tuto &bdquo;slu\u017ebu&ldquo;, b\u00fdt \u00fa\u010dtov\u00e1ny \u017e\u00e1dn\u00e9 horentn\u00ed sumy. \u010cili \u017e\u00e1dn\u00e9 vysok\u00e9 \u010d\u00e1stky, proto\u017ee banky si do t\u011bchto poplatk\u016f mohou za\u00fa\u010dtovat pouze administrativn\u00ed n\u00e1klady a \u00fa\u010deln\u011b vynalo\u017een\u00fd n\u00e1klad, kter\u00fd je prokazateln\u00fd i v&nbsp;\u00fa\u010detnictv\u00ed. Laicky \u0159e\u010deno do t\u00e9to kategorie m\u016f\u017eeme zahrnout pr\u00e1ci zam\u011bstnance (jeho plat), kter\u00fd bude zpracov\u00e1vat \u017e\u00e1dost o p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky, poplatky z&nbsp;katastru nemovitost\u00ed, po\u0161tovn\u00e9, n\u00e1klady na tisk, kancel\u00e1\u0159sk\u00e9 pot\u0159eby, p\u0159\u00edpadn\u011b telefonn\u00ed poplatky.\u010c\u00edm d\u00e1l \u010dast\u011bji by tedy mohlo b\u00fdvat p\u0159ed\u010dasn\u00e9 splacen\u00ed zdarma nebo pouze za n\u011bjak\u00fd men\u0161\u00ed poplatek. Zat\u00edm se v\u0161ak podm\u00ednky u poskytovatel\u016f hypot\u00e9k li\u0161\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky","item":"https:\/\/www.zerba.cz\/poplatek-za-predcasne-splaceni-hypoteky\/#breadcrumbitem"}]}]