[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/poplatek-za-predcasne-splaceni-uveru\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/poplatek-za-predcasne-splaceni-uveru\/","headline":"Poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru","name":"Poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru","description":"\u00dav\u011bry v\u011bt\u0161inou nejsou poskytov\u00e1ny na tak dlouhou dobu jako hypot\u00e9ky. V\u00a0p\u0159\u00edpad\u011b hypot\u00e9k maj\u00ed banky toti\u017e del\u0161\u00ed dobu pravideln\u00e9 zisky a p\u0159\u00edjmy z\u00a0\u00farok\u016f, v\u00a0p\u0159\u00edpad\u011b spot\u0159ebitelsk\u00e9ho \u00fav\u011bru nemus\u00ed b\u00fdt \u00faroky z\u00a0pohledu doby splatnosti pro banky a\u017e tak zaj\u00edmav\u00e9. Ji\u017e p\u0159ed p\u00e1r lety prob\u011bhla \u00faprava z\u00e1konu o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kter\u00e1 spoustu v\u011bc\u00ed zm\u011bnila. Jak je to s\u00a0p\u0159ed\u010dasn\u00fdm splacen\u00edm? &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/poplatek-za-predcasne-splaceni-uveru\/\"> <span class=\"screen-reader-text\">Poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-21","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\/art384384_3x2_20260816_205947_e1aFDR.jpg","url":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384384_3x2_20260816_205947_e1aFDR.jpg","height":0,"width":0},"url":"https:\/\/www.zerba.cz\/poplatek-za-predcasne-splaceni-uveru\/","about":["P\u016fj\u010dky"],"wordCount":467,"articleBody":"\u00dav\u011bry v\u011bt\u0161inou nejsou poskytov\u00e1ny na tak dlouhou dobu jako hypot\u00e9ky. V\u00a0p\u0159\u00edpad\u011b hypot\u00e9k maj\u00ed banky toti\u017e del\u0161\u00ed dobu pravideln\u00e9 zisky a p\u0159\u00edjmy z\u00a0\u00farok\u016f, v\u00a0p\u0159\u00edpad\u011b spot\u0159ebitelsk\u00e9ho \u00fav\u011bru nemus\u00ed b\u00fdt \u00faroky z\u00a0pohledu doby splatnosti pro banky a\u017e tak zaj\u00edmav\u00e9. Ji\u017e p\u0159ed p\u00e1r lety prob\u011bhla \u00faprava z\u00e1konu o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kter\u00e1 spoustu v\u011bc\u00ed zm\u011bnila.\tJak je to s\u00a0p\u0159ed\u010dasn\u00fdm splacen\u00edm?Dostali jste se k\u00a0v\u011bt\u0161\u00edmu obnosu financ\u00ed? Za\u010dali jste l\u00e9pe m\u011bs\u00ed\u010dn\u011b vych\u00e1zet? Z\u00edskali jste zam\u011bstnan\u00ed za v\u00edce pen\u011bz a hodn\u011b jste si t\u00edm polep\u0161ili? N\u011bjak\u00fdm zp\u016fsobem jste se dostali k\u00a0v\u011bt\u0161\u00edm pen\u011bz\u016fm? P\u0159em\u00fd\u0161l\u00edte nad t\u00edm, \u017ee byste se d\u00edky tomu mohli zbavit v\u0161ech dosavadn\u00edch dluh\u016f? Pak z\u0159ejm\u011b uva\u017eujete nad p\u0159ed\u010dasn\u00fdm splacen\u00edm \u00fav\u011bru. V\u00a0minulosti toto p\u0159ed\u010dasn\u00e9 splacen\u00ed bylo hodn\u011b pokutov\u00e1no a banky si \u00fa\u010dtovaly vysok\u00e9 pen\u00e1le, sazby a r\u016fzn\u00e9 poplatky, aby si t\u00edm kompenzovaly u\u0161l\u00fd zisk. V\u00a0dne\u0161n\u00ed dob\u011b se podm\u00ednky zm\u011bnily a novela z\u00e1kona zm\u011bnila pohled na celkov\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br a v\u00a0dal\u0161\u00ed \u0159ad\u011b na\u0159\u00edzen\u00ed \u010cNB takt\u00e9\u017e p\u0159isp\u011blo k\u00a0tomu, \u017ee banky si u\u017e nemohou \u00fa\u010dtovat v\u0161echno, co cht\u011bj\u00ed nebo co pova\u017euj\u00ed za sv\u016fj n\u00e1klady vynalo\u017een\u00fd s\u00a0poskytnut\u00edm \u00fav\u011bru. Banky po t\u011bchto zm\u011bn\u00e1ch nab\u00edz\u00ed splacen\u00ed \u00fav\u011bru zdarma, a to kdykoliv b\u011bhem spl\u00e1cen\u00ed. Je to pova\u017eov\u00e1no za jak\u00fdsi benefit, aby si t\u00edmto zp\u016fsobem i nad\u00e1le udr\u017eely sv\u00e9 klienty. Konkurence je toti\u017e v\u00a0oblasti poskytov\u00e1n\u00ed \u00fav\u011br\u016f vysok\u00e1, a tak banky nab\u00edz\u00ed tuto slu\u017ebu \u2013 p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru, \u010dasto zcela zdarma. \u010cNB toti\u017e ud\u00e1v\u00e1 p\u0159esn\u011b stanoven\u00e9 podm\u00ednky, co v\u0161echno banky mohou \u00fa\u010dtovat do sv\u00e9ho takzvan\u011b u\u0161l\u00e9ho zisku. T\u011bchto n\u00e1klad\u016f v\u0161ak z\u016fstalo minimum, a tak se to n\u011bkter\u00fdm bank\u00e1m ani nevyplat\u00ed zapo\u010d\u00edt\u00e1vat. Banky v\u00e1m nap\u0159\u00edklad mohou za\u00fa\u010dtovat administrativn\u00ed n\u00e1klady spojen\u00e9 s\u00a0poskytnut\u00edm \u00fav\u011bru. V\u0161echny ostatn\u00ed n\u00e1klady jsou v\u00fdrazn\u011b se\u0159ezan\u00e9 a omezen\u00e9, tak\u017ee pen\u00e1le, kdysi pova\u017eovan\u00e9 jako hlavn\u00ed za p\u0159ed\u010dasn\u00e9 splacen\u00ed, se t\u00edm v\u00fdrazn\u011b sn\u00ed\u017eily.N\u011bco jin\u00e9ho je to v\u00a0p\u0159\u00edpad\u011b hypot\u00e9ky. Ov\u0161em i tam m\u00e1te hned n\u011bkolik mo\u017enost\u00ed, jak m\u016f\u017eete hypot\u00e9ku splatit, a to bu\u010fto \u010d\u00e1ste\u010dn\u011b nebo \u00fapln\u011b.\t                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru","item":"https:\/\/www.zerba.cz\/poplatek-za-predcasne-splaceni-uveru\/#breadcrumbitem"}]}]