[{"@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&nbsp;p\u0159\u00edpad\u011b hypot\u00e9k maj\u00ed banky toti\u017e del\u0161\u00ed dobu pravideln\u00e9 zisky a p\u0159\u00edjmy z&nbsp;\u00farok\u016f, v&nbsp;p\u0159\u00edpad\u011b spot\u0159ebitelsk\u00e9ho \u00fav\u011bru nemus\u00ed b\u00fdt \u00faroky z&nbsp;pohledu 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&nbsp;p\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}},"url":"https:\/\/www.zerba.cz\/poplatek-za-predcasne-splaceni-uveru\/","about":["P\u016fj\u010dky"],"wordCount":483,"articleBody":"\u00dav\u011bry v\u011bt\u0161inou nejsou poskytov\u00e1ny na tak dlouhou dobu jako hypot\u00e9ky. V&nbsp;p\u0159\u00edpad\u011b hypot\u00e9k maj\u00ed banky toti\u017e del\u0161\u00ed dobu pravideln\u00e9 zisky a p\u0159\u00edjmy z&nbsp;\u00farok\u016f, v&nbsp;p\u0159\u00edpad\u011b spot\u0159ebitelsk\u00e9ho \u00fav\u011bru nemus\u00ed b\u00fdt \u00faroky z&nbsp;pohledu 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&nbsp;p\u0159ed\u010dasn\u00fdm splacen\u00edm?Dostali jste se k&nbsp;v\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&nbsp;v\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&nbsp;minulosti 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&nbsp;dne\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&nbsp;dal\u0161\u00ed \u0159ad\u011b na\u0159\u00edzen\u00ed \u010cNB takt\u00e9\u017e p\u0159isp\u011blo k&nbsp;tomu, \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&nbsp;poskytnut\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&nbsp;oblasti poskytov\u00e1n\u00ed \u00fav\u011br\u016f vysok\u00e1, a tak banky nab\u00edz\u00ed tuto slu\u017ebu &ndash; 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&nbsp;poskytnut\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&nbsp;p\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.                                                                                                                                                                                                                                                                                                                                                                                                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