[{"@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\u00a0minulosti, jestli to tak m\u016f\u017eeme \u0159\u00edct, vlastn\u011b ve sv\u00e9 podstat\u011b pokutov\u00e1no, proto\u017ee banky v\u00e1m v\u00a0p\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\u00a0nads\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}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384383_4x3_20260816_193427_K4hOia.jpg","url":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384383_4x3_20260816_193427_K4hOia.jpg","height":0,"width":0},"url":"https:\/\/www.zerba.cz\/poplatek-za-predcasne-splaceni-hypoteky\/","about":["Hypot\u00e9ky"],"wordCount":466,"articleBody":"P\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky bylo v\u00a0minulosti, jestli to tak m\u016f\u017eeme \u0159\u00edct, vlastn\u011b ve sv\u00e9 podstat\u011b pokutov\u00e1no, proto\u017ee banky v\u00e1m v\u00a0p\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\u00a0nads\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\u00a0p\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\u00a0takov\u00fdmi podm\u00ednkami se na\u0161t\u011bst\u00ed u\u017e nikde nesetk\u00e1te a v\u00a0dne\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\u00a0jej\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 \u201eslu\u017ebu\u201c, mohou na\u00fa\u010dtovat. Banky ji\u017e v\u00a0tomto 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\u00a0poskytnut\u00edm hypot\u00e9ky.V\u00a0p\u0159\u00edpad\u011b poplatk\u016f za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky bychom se tedy \u010d\u00edm d\u00e1l \u010dast\u011bji v\u00a0budoucnu m\u011bli setk\u00e1vat s\u00a0t\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 \u201eslu\u017ebu\u201c, 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\u00a0\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\u00a0katastru 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.\t                                                                                                                                                                                                                                                                                                                                                                                                "},{"@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"}]}]