[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/refinancovani-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/refinancovani-hypoteky\/","headline":"Refinancov\u00e1n\u00ed hypot\u00e9ky","name":"Refinancov\u00e1n\u00ed hypot\u00e9ky","description":"Prvn\u00ed roky a\u017e pod dobu fixace plat\u00edme dohodnut\u00e9 spl\u00e1tky, kter\u00e9 se u obvykl\u00fdch druh\u016f hypot\u00e9k nem\u011bn\u00ed. Za\u010dne-li se bl\u00ed\u017eit doba, kdy n\u00e1m m\u016f\u017ee banka \u00faroky zv\u00fd\u0161it, m\u011bli bychom za\u010d\u00edt p\u0159em\u00fd\u0161let o refinancov\u00e1n\u00ed. D\u00edky refinancov\u00e1n\u00ed je mo\u017en\u00e9 po konci fixace \u00farokov\u00e9 sazby nahradit star\u00fd \u00fav\u011br nov\u00fdm a z\u00edskat tak lep\u0161\u00ed podm\u00ednky t\u0159eba s&nbsp;ni\u017e\u0161\u00ed \u00farokovou sazbou. Refinancovat &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/refinancovani-hypoteky\/\"> <span class=\"screen-reader-text\">Refinancov\u00e1n\u00ed hypot\u00e9ky<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2017-08-25","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_a298705_w1992_t1508960758.png","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a298705_w1992_t1508960758.png","height":"","width":""},"url":"https:\/\/www.zerba.cz\/refinancovani-hypoteky\/","about":["Hypot\u00e9ky"],"wordCount":446,"articleBody":"Prvn\u00ed roky a\u017e pod dobu fixace plat\u00edme dohodnut\u00e9 spl\u00e1tky, kter\u00e9 se u obvykl\u00fdch druh\u016f hypot\u00e9k nem\u011bn\u00ed. Za\u010dne-li se bl\u00ed\u017eit doba, kdy n\u00e1m m\u016f\u017ee banka \u00faroky zv\u00fd\u0161it, m\u011bli bychom za\u010d\u00edt p\u0159em\u00fd\u0161let o refinancov\u00e1n\u00ed. D\u00edky refinancov\u00e1n\u00ed je mo\u017en\u00e9 po konci fixace \u00farokov\u00e9 sazby nahradit star\u00fd \u00fav\u011br nov\u00fdm a z\u00edskat tak lep\u0161\u00ed podm\u00ednky t\u0159eba s&nbsp;ni\u017e\u0161\u00ed \u00farokovou sazbou. Refinancovat m\u016f\u017eeme u nov\u00e9 nebo st\u00e1vaj\u00edc\u00ed banky. Refinancov\u00e1n\u00ed bychom nem\u011bli nechat na posledn\u00ed chv\u00edli. Nejd\u016fle\u017eit\u011bj\u0161\u00ed je pro n\u00e1s datum konce fixa\u010dn\u00edho obdob\u00ed. Rozumn\u00e9 je zjistit si jak\u00e9 podm\u00ednky a \u00faroky nab\u00edz\u00ed ostatn\u00ed banky. Tak\u00e9 bychom m\u011bli v\u011bd\u011bt, jak\u00e9 up\u0159ednost\u0148ujeme v\u00fdhody.&#8211;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Zm\u011bna doby spl\u00e1cen\u00ed \/prodlou\u017een\u00ed nebo zkr\u00e1cen\u00ed\/&#8211;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Sn\u00ed\u017een\u00ed \u010di zv\u00fd\u0161en\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky&#8211;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Ni\u017e\u0161\u00ed \u00farokov\u00e1 sazbaJak postupovat?Za\u010dn\u011bte v\u010das p\u0159ed koncem fixace. Alespo\u0148 n\u011bkolik m\u011bs\u00edc\u016f p\u0159edem. Ur\u010dit\u011b n\u011bjak\u00fd \u010das v\u00e1m zabere jedn\u00e1n\u00ed s&nbsp;bankami. Po\u010d\u00edtejte s&nbsp;t\u00edm, \u017ee samotn\u00e9 refinancov\u00e1n\u00ed m\u016f\u017ee trvat i cel\u00fd m\u011bs\u00edc. M\u016f\u017eete vyu\u017e\u00edt nab\u00eddky n\u011bkter\u00fdch bankovn\u00edch institut\u016f, kter\u00e9 nab\u00edzej\u00ed mo\u017enost domluvit si refinancov\u00e1n\u00ed a\u017e jeden rok p\u0159edem s v\u00fdhodnou sazbou.Zvol\u00edte-li jinou ne\u017e st\u00e1vaj\u00edc\u00ed banku v\u011bt\u0161inou za v\u00e1s nov\u00e1 banky vy\u0159\u00edd\u00ed v\u0161e pot\u0159ebn\u00e9. Vypln\u00edte \u017e\u00e1dost, p\u0159edlo\u017e\u00edte p\u016fvodn\u00ed smlouvu a odhad nemovitosti.N\u011bkter\u00e9 banky nab\u00edz\u00ed takzvanou hypote\u010dn\u00ed z\u00f3nu. Tato slu\u017eba v\u00e1m nab\u00edz\u00ed kdykoli k&nbsp;dispozici ve\u0161ker\u00e9 dokumenty k&nbsp;hypot\u00e9ce v&nbsp;elektronick\u00e9 podob\u011b nebo m\u016f\u017eete za\u017e\u00e1dat o zm\u011bny v&nbsp;hypot\u00e9ce.V&nbsp;nab\u00eddce n\u011bkter\u00fdch bank m\u016f\u017eete nal\u00e9zt zpracov\u00e1n\u00ed a veden\u00ed \u00fav\u011bru zdarma, odhad nemovitosti zdarma, zpro\u0161t\u011bn\u00ed \u00fahrady od vstupn\u00edch poplatk\u016f nebo zdarma p\u0159i sjedn\u00e1n\u00ed \u00fav\u011bru automaticky z\u00edsk\u00e1te poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad \u00famrt\u00ed n\u00e1sledkem \u00farazu vznikl\u00e9ho p\u0159i dopravn\u00ed nehod\u011b.N\u011bkdy je t\u011b\u017ek\u00e9 se v&nbsp;nab\u00eddk\u00e1ch bankovn\u00edch institut\u016f vyznat. Banky n\u00e1s l\u00e1kaj\u00ed na nejr\u016fzn\u011bj\u0161\u00ed v\u00fdhody, ale n\u011bkdy to nen\u00ed tak jak to na prvn\u00ed pohled vypad\u00e1. Promyslete si proto v\u017edy pe\u010dliv\u011b jak\u00fd krok ud\u011bl\u00e1te.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Refinancov\u00e1n\u00ed hypot\u00e9ky","item":"https:\/\/www.zerba.cz\/refinancovani-hypoteky\/#breadcrumbitem"}]}]