[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/predcasne-splaceni-uveru\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/predcasne-splaceni-uveru\/","headline":"P\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru","name":"P\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru","description":"Dostat se k&nbsp;n\u011bjak\u00fdm pen\u011bz\u016fm je hezk\u00e1 vidina. Stala se tato vidina ve va\u0161em p\u0159\u00edpad\u011b skute\u010dnost\u00ed? P\u0159em\u00fd\u0161l\u00edte, co se z\u00edskan\u00fdmi pen\u011bzi a cht\u011bli byste si nejrad\u011bji ulevit od dluh\u016f? V&nbsp;tom p\u0159\u00edpad\u011b samoz\u0159ejm\u011b m\u016f\u017eete. P\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru nebo i jak\u00e9koliv p\u016fj\u010dky je mo\u017en\u00e9. Ov\u0161em jak je tomu ve skute\u010dnosti a nejsou za to inkasov\u00e1ny n\u011bjak\u00e9 poplatky, jako &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/predcasne-splaceni-uveru\/\"> <span class=\"screen-reader-text\">P\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-05","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-uveru\/","about":["P\u016fj\u010dky"],"wordCount":456,"articleBody":"Dostat se k&nbsp;n\u011bjak\u00fdm pen\u011bz\u016fm je hezk\u00e1 vidina. Stala se tato vidina ve va\u0161em p\u0159\u00edpad\u011b skute\u010dnost\u00ed? P\u0159em\u00fd\u0161l\u00edte, co se z\u00edskan\u00fdmi pen\u011bzi a cht\u011bli byste si nejrad\u011bji ulevit od dluh\u016f? V&nbsp;tom p\u0159\u00edpad\u011b samoz\u0159ejm\u011b m\u016f\u017eete. P\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru nebo i jak\u00e9koliv p\u016fj\u010dky je mo\u017en\u00e9. Ov\u0161em jak je tomu ve skute\u010dnosti a nejsou za to inkasov\u00e1ny n\u011bjak\u00e9 poplatky, jako tomu \u010dasto b\u00fdvalo v&nbsp;minulosti? S&nbsp;vysok\u00fdmi poplatky jsme se setk\u00e1vali je\u0161t\u011b doned\u00e1vna. Ub\u011bhlo pouze p\u00e1r let a v\u0161echno m\u016f\u017ee b\u00fdt jinak a tak\u00e9 je jinak. V&nbsp;dne\u0161n\u00ed dob\u011b b\u00fdv\u00e1 p\u0159ed\u010dasn\u00e9 splacen\u00ed men\u0161\u00edch p\u016fj\u010dek zdarma. Banky a finan\u010dn\u00ed instituce si z&nbsp;toho ud\u011blaly jak\u00fdsi bonus nav\u00edc, kdy\u017e si u nich vezmete p\u016fj\u010dku. Splacen\u00ed zdarma je tedy jak\u00fdmsi benefitem \u010dili v\u00fdhodou, kterou m\u016f\u017eete \u010derpat spole\u010dn\u011b s&nbsp;t\u00edm, \u017ee si od nich p\u016fj\u010d\u00edte pen\u00edze. Naproti tomu \u00fav\u011bry a hypot\u00e9ky jsou trochu jin\u00e9 t\u00e9ma, tak\u017ee se k&nbsp;nim hned dostaneme. Tam toti\u017e m\u016f\u017eete je\u0161t\u011b st\u00e1le narazit na poplatky, ale v\u0161echno m\u00e1 sv\u00e9 hranice.\tPodrobn\u011bji o p\u0159ed\u010dasn\u00e9m splacen\u00ed \u00fav\u011bruV&nbsp;p\u0159\u00edpad\u011b dlouhodob\u011bj\u0161\u00edho \u00fav\u011bru, jak\u00fdm m\u016f\u017ee b\u00fdt i hypot\u00e9ka, se st\u00e1le m\u016f\u017eeme setkat s&nbsp;poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed. Je to d\u00e1no t\u00edm, \u017ee si banky sna\u017e\u00ed vykompenzovat finan\u010dn\u00ed ztr\u00e1tu. Obvykle toti\u017e hypot\u00e9ku spl\u00e1c\u00edte n\u011bkolik des\u00edtek let a banky vyd\u011bl\u00e1vaj\u00ed vlastn\u011b na \u00faroc\u00edch. To nen\u00ed nic tajn\u00e9ho, to v\u00edme jist\u011b v\u0161ichni. Jakmile by klient v\u0161echno zaplatil, banka by t\u00edm p\u0159i\u0161la o \u010d\u00e1st sv\u00e9ho &bdquo;zisku&ldquo;. Proto se to sna\u017e\u00ed kompenzovat poplatky \u010di sankcemi. V&nbsp;dne\u0161n\u00ed dob\u011b m\u016f\u017eete ka\u017ed\u00fd rok splatit a\u017e 25 % z&nbsp;celkov\u00e9 \u010d\u00e1stky \u00fav\u011bru, a to \u00fapln\u011b zdarma. Tuto mo\u017enost m\u016f\u017eete vyu\u017e\u00edt jednou ro\u010dn\u011b \u00fapln\u011b bezplatn\u011b. Dal\u0161\u00ed z&nbsp;mo\u017enost\u00ed je hypot\u00e9ku doplatit \u00fapln\u011b celou, za co\u017e v\u00e1m v\u0161ak banky nebo jin\u00e1 finan\u010dn\u00ed spole\u010dnost m\u016f\u017ee na\u00fa\u010dtovat poplatek. Tento poplatek je ji\u017e znormovan\u00fd platn\u00fdmi pravidly vydan\u00fdmi \u010cNB, kter\u00e9 banky mus\u00ed dodr\u017eovat, a proto plat\u00ed, \u017ee poplatek nesm\u00ed b\u00fdt vy\u0161\u0161\u00ed ne\u017e 1 % z&nbsp;\u010d\u00e1stky \u00fav\u011bru. V&nbsp;korun\u00e1ch nesm\u00ed p\u0159esahovat \u010d\u00e1stku vy\u0161\u0161\u00ed ne\u017e 50&nbsp;000 K\u010d.                                                                                                                                                                                                                                                                                                                                                                                                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