[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/predcasne-splaceni-hypoteky-je-stale-velmi-drahe\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/predcasne-splaceni-hypoteky-je-stale-velmi-drahe\/","headline":"P\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky je st\u00e1le velmi drah\u00e9","name":"P\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky je st\u00e1le velmi drah\u00e9","description":"\u00darokov\u00e9 sazby klesly pod dv\u011b procenta a hypot\u00e9ky jsou letos nejlevn\u011bj\u0161\u00ed v&nbsp;historii. Co to ale znamen\u00e1, pokud si chcete zaplatit hypot\u00e9ku p\u0159ed\u010dasn\u011b? Jak na to reaguj\u00ed banky, jak dlouho to trv\u00e1 a co k&nbsp;tomu pot\u0159ebujete? Jak\u00e9 jsou zm\u011bny v&nbsp;hypot\u00e9k\u00e1ch, kter\u00e9 se daj\u00ed napl\u00e1novat? Od po\u010d\u00e1tku roku 2017 bude platit z\u00e1kon na sn\u00ed\u017een\u00ed t\u00e9to sazby za &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/predcasne-splaceni-hypoteky-je-stale-velmi-drahe\/\"> <span class=\"screen-reader-text\">P\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky je st\u00e1le velmi drah\u00e9<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2016-10-04","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:\/\/zerba.cz\/wp-content\/uploads\/img_a277632_w1991_t1601806910.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a277632_w1991_t1601806910.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/predcasne-splaceni-hypoteky-je-stale-velmi-drahe\/","about":["Hypot\u00e9ky"],"wordCount":441,"articleBody":"\u00darokov\u00e9 sazby klesly pod dv\u011b procenta a hypot\u00e9ky jsou letos nejlevn\u011bj\u0161\u00ed v&nbsp;historii. Co to ale znamen\u00e1, pokud si chcete zaplatit hypot\u00e9ku p\u0159ed\u010dasn\u011b? Jak na to reaguj\u00ed banky, jak dlouho to trv\u00e1 a co k&nbsp;tomu pot\u0159ebujete? Jak\u00e9 jsou zm\u011bny v&nbsp;hypot\u00e9k\u00e1ch, kter\u00e9 se daj\u00ed napl\u00e1novat? Od po\u010d\u00e1tku roku 2017 bude platit z\u00e1kon na sn\u00ed\u017een\u00ed t\u00e9to sazby za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9\u010dn\u00edho \u00fav\u011bru.P\u0159\u00edklad Dejme tomu, \u017ee si vezmete hypote\u010dn\u00ed \u00fav\u011br a m\u00e1te rok a p\u016fl p\u0159ed jej\u00edm fin\u00e1ln\u00edm doplacen\u00edm. Zajdete si do banky zeptat se, zda je mo\u017en\u00e9 doplatit tuto \u010d\u00e1stku najednou a tedy doplatit hypot\u00e9\u010dn\u00ed \u00fav\u011br p\u0159ed\u010dasn\u011b. Banka si na to vezme n\u011bkolik t\u00fddn\u016f a vy jim p\u0159itom mus\u00edte alespo\u0148 dvakr\u00e1t zavolat, aby si posp\u00ed\u0161ili s&nbsp;rozhodnut\u00edm. Nakonec, kdy\u017e si do banky zajdete osobn\u011b, v\u00e1m \u0159eknou, \u017ee splacen\u00e9 p\u0159ed\u010dasn\u011b je mo\u017en\u00e9, samoz\u0159ejm\u011b.Kdy\u017e se zept\u00e1te na cenu, \u0159eknou v\u00e1m, \u017ee vyjma samotn\u00e9 splatn\u00e9 \u010d\u00e1stky pro zaplacen\u00ed hypot\u00e9ky je tento poplatek v&nbsp;hodnot\u011b v\u00edce ne\u017e deseti procent z&nbsp;celkov\u00e9 \u010d\u00e1stky &ndash; tak\u017ee pokud jste si vzali hypot\u00e9ku na jeden milion korun, poplatek jenom za zaplacen\u00ed poplatku za p\u0159ed\u010dasn\u00e9 splacen\u00e9 je sto tis\u00edc korun. Plus samoz\u0159ejm\u011b samotn\u00e1 \u010d\u00e1stka, kter\u00e1 zb\u00fdv\u00e1 za ten rok a p\u016fl doplatit.Jak\u00e9 jsou zm\u011bny v&nbsp;hypot\u00e9k\u00e1ch, kter\u00e9 lze napl\u00e1novat? &#8211;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Mimo\u0159\u00e1dn\u00e9 spl\u00e1cen\u00ed \u00fav\u011bru na nemovitosti ur\u010den\u00e9 k&nbsp;bydlen\u00ed&#8211;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Mo\u017enost splacen\u00ed bez sankce, nastane-li v&nbsp;\u017eivot\u011b klienta t\u011b\u017ek\u00e1 \u017eivotn\u00ed situace&#8211;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fixace hypot\u00e9ky je nem\u011bnn\u00e1Spl\u00e1tky bez poplatk\u016f?Ano, tato mo\u017enost existuje. Jako prvn\u00ed s&nbsp;t\u00edmto p\u0159i\u0161la Air bank, kter\u00e1 p\u0159i\u0161la s&nbsp;t\u00edm, \u017ee si m\u016f\u017eete nastavit hodnotu spl\u00e1tky, jak chcete, posouvat limit, vkl\u00e1dat mimo\u0159\u00e1dn\u00e9 obnosy a podobn\u011b. Nav\u00edc je v\u0161echno prost\u0159ednictv\u00edm internetov\u00e9ho bankovnictv\u00ed, co\u017e zaru\u010duje va\u0161e pohodl\u00ed.Nev\u00fdhodou v\u0161ak je, \u017ee banka ned\u00e1v\u00e1 hypot\u00e9\u010dn\u00ed \u00fav\u011bry nov\u00fdm klient\u016fm, pouze p\u0159eb\u00edr\u00e1 klienty odjinud. Nav\u00edc je to jenom v&nbsp;tom p\u0159\u00edpad\u011b, \u017ee v\u00e1m hypot\u00e9ka u\u017e kon\u010d\u00ed a nejde pouze o refinancov\u00e1n\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                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