[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/predcasne-splaceni-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/predcasne-splaceni-hypoteky\/","headline":"P\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky","name":"P\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky","description":"Chytli jste se do pasti jm\u00e9nem hypot\u00e9ka? Nev\u00edte, jak z&nbsp;n\u00ed ven? Hypot\u00e9ka nen\u00ed samoz\u0159ejm\u011b \u017e\u00e1dn\u00e1 past na lidi, jedn\u00e1 se ekonomick\u00fd uzn\u00e1van\u00fd bankovn\u00ed pojem, kter\u00fd p\u0159edstavuje konkr\u00e9tn\u00ed podm\u00ednky dan\u00e9ho finan\u010dn\u00edho produktu, ale pokud to takto s&nbsp;nadhledem pod\u00e1me, m\u016f\u017eeme se zamotat do v\u0161ech t\u011bch okolnost\u00ed kolem hypot\u00e9k a najednou nev\u011bd\u011bt, jak z&nbsp;nich ven. Hypot\u00e9ky se sjedn\u00e1vaj\u00ed &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/predcasne-splaceni-hypoteky\/\"> <span class=\"screen-reader-text\">P\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-10","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\/predcasne-splaceni-hypoteky\/","about":["Hypot\u00e9ky"],"wordCount":495,"articleBody":"Chytli jste se do pasti jm\u00e9nem hypot\u00e9ka? Nev\u00edte, jak z&nbsp;n\u00ed ven? Hypot\u00e9ka nen\u00ed samoz\u0159ejm\u011b \u017e\u00e1dn\u00e1 past na lidi, jedn\u00e1 se ekonomick\u00fd uzn\u00e1van\u00fd bankovn\u00ed pojem, kter\u00fd p\u0159edstavuje konkr\u00e9tn\u00ed podm\u00ednky dan\u00e9ho finan\u010dn\u00edho produktu, ale pokud to takto s&nbsp;nadhledem pod\u00e1me, m\u016f\u017eeme se zamotat do v\u0161ech t\u011bch okolnost\u00ed kolem hypot\u00e9k a najednou nev\u011bd\u011bt, jak z&nbsp;nich ven. Hypot\u00e9ky se sjedn\u00e1vaj\u00ed pro b\u011b\u017en\u00e9 spot\u0159ebitele i pro podnikatele. Ru\u010d\u00edte nemovitost\u00ed a pen\u00edze pou\u017eijete na bydlen\u00ed. To jsou z\u00e1kladn\u00ed vlastnosti hypot\u00e9k. V\u011bt\u0161inou n\u00e1m pr\u00e1v\u011b hypot\u00e9ky pom\u00e1haj\u00ed v&nbsp;tom, abychom si mohli zajistit vlastn\u00ed bydlen\u00ed, za\u010d\u00edt stav\u011bt d\u016fm nebo po\u0159izovat byt. S&nbsp;financemi m\u016f\u017eeme tak\u00e9 rekonstruovat, opravovat, p\u0159istavovat a mnoho dal\u0161\u00edho.M\u016f\u017ee se v\u0161ak st\u00e1t, \u017ee ji\u017e n\u011bjakou dobu spl\u00e1c\u00edte a najednou p\u0159ijdete n\u011bjak\u00fdm zp\u016fsobem k&nbsp;v\u011bt\u0161\u00edmu obnosu financ\u00ed. M\u016f\u017eete d\u011bdit po rodi\u010d\u00edch, prarodi\u010d\u00edch nebo vyhr\u00e1t v&nbsp;loterii. Nebo si \u0161et\u0159\u00edte z&nbsp;velk\u00e9 v\u00fdplaty ka\u017ed\u00fd m\u011bs\u00edc spoustu financ\u00ed a najednou zjist\u00edte, \u017ee m\u00e1te tolik, \u017ee byste cht\u011bli ulevit sv\u00fdm dluh\u016fm. Jak to ud\u011blat?\tSplacen\u00ed hypot\u00e9ky v&nbsp;n\u011bkolika variant\u00e1chExistuje hned n\u011bkolik variant, jak splatit \u010d\u00e1st nebo doplatit celou hypot\u00e9ku. Prvn\u00ed z&nbsp;mo\u017enost\u00ed je splacen\u00ed 25 % z&nbsp;vyp\u016fj\u010den\u00e9 \u010d\u00e1stky, a to p\u0159esn\u011b v&nbsp;obdob\u00ed fixace. Pokud to t\u00edmto zp\u016fsobem u\u010din\u00edte, m\u00e1te to zadarmo. A co je to ta doba fixace? Znamen\u00e1 to, \u017ee ka\u017ed\u00fd rok, m\u011bs\u00edc p\u0159ed dnem uzav\u0159en\u00ed va\u0161\u00ed smlouvy, m\u016f\u017eete splatit \u010d\u00e1st dluhu. Pokud budete cht\u00edt splatit v\u00edce jak 25 % z&nbsp;\u00fav\u011bru, m\u016f\u017eete to takt\u00e9\u017e prov\u00e9st b\u011bhem obdob\u00ed fixace, ale u\u017e s&nbsp;ur\u010dit\u00fdmi poplatky. Posledn\u00ed mo\u017enost\u00ed je splacen\u00ed cel\u00e9ho dluhu neboli doplacen\u00ed do \u010d\u00e1stky, na kterou jste si hypot\u00e9ku sjedn\u00e1vali. To m\u016f\u017eete prov\u00e9st, ale s&nbsp;jedno procentn\u00edm poplatkem. Ten v\u0161ak nem\u016f\u017ee p\u0159ekro\u010dit p\u0159i prodeji 50&nbsp;000K\u010d. Zm\u00ednit je\u0161t\u011b m\u016f\u017eeme mo\u017enost doplacen\u00ed cel\u00e9ho dluhu do jeho pln\u00e9 v\u00fd\u0161e na konci fixace, a to v&nbsp;p\u0159\u00edpad\u011b t\u011b\u017ek\u00e9 \u017eivotn\u00ed situace.P\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky je mo\u017en\u00e9 prov\u00e9st kdykoliv. D\u0159\u00edv\u011bj\u0161\u00ed z\u00e1kony to neumo\u017e\u0148ovaly nebo si za to spole\u010dnosti a banky \u00fa\u010dtovaly vysok\u00e9 poplatky. Ze z\u00e1kona je tedy tato mo\u017enost umo\u017en\u011bna.Ka\u017ed\u00fd si v\u0161ak mus\u00ed zjistit podm\u00ednky u sv\u00e9 banky nebo spole\u010dnosti, kter\u00e1 mu hypot\u00e9ku poskytla. Podm\u00ednky jsou v\u017edy uvedeny ve smlouv\u011b, kterou podepisujete.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky","item":"https:\/\/www.zerba.cz\/predcasne-splaceni-hypoteky\/#breadcrumbitem"}]}]