[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/refinancovani-pujcky-a-uveru\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/refinancovani-pujcky-a-uveru\/","headline":"Refinancov\u00e1n\u00ed p\u016fj\u010dky a \u00fav\u011bru","name":"Refinancov\u00e1n\u00ed p\u016fj\u010dky a \u00fav\u011bru","description":"Co znamen\u00e1 pojem refinancov\u00e1n\u00ed? Jestli\u017ee se budeme bavit o refinancov\u00e1n\u00ed \u00fav\u011br\u016f a p\u016fj\u010dek, nejprve si mus\u00edme \u0159\u00edct, co samotn\u00e9 refinancov\u00e1n\u00ed znamen\u00e1. Mnohdy najdete spole\u010dn\u011b s\u00a0refinancov\u00e1n\u00edm p\u016fj\u010dek n\u00e1zev tak\u00e9 p\u0159eveden\u00ed, kter\u00fd v\u00a0podstat\u011b tuto t\u00e9matiku vystihuje. Refinancov\u00e1n\u00ed p\u016fj\u010dky je p\u0159eveden\u00ed p\u016fj\u010dky od jedn\u00e9 spole\u010dnosti ke druh\u00e9. \u010cili nap\u0159\u00edklad z\u00a0banky do jin\u00e9 banky, nebo od nebankovn\u00ed spole\u010dnosti na &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/refinancovani-pujcky-a-uveru\/\"> <span class=\"screen-reader-text\">Refinancov\u00e1n\u00ed p\u016fj\u010dky a \u00fav\u011bru<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-24","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:\/\/www.zerba.cz\/wp-content\/uploads\/art384739_3x2_20260813_062509_w8RPUr.jpg","url":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384739_3x2_20260813_062509_w8RPUr.jpg","height":0,"width":0},"url":"https:\/\/www.zerba.cz\/refinancovani-pujcky-a-uveru\/","about":["P\u016fj\u010dky"],"wordCount":458,"articleBody":"Co znamen\u00e1 pojem refinancov\u00e1n\u00ed? Jestli\u017ee se budeme bavit o refinancov\u00e1n\u00ed \u00fav\u011br\u016f a p\u016fj\u010dek, nejprve si mus\u00edme \u0159\u00edct, co samotn\u00e9 refinancov\u00e1n\u00ed znamen\u00e1. Mnohdy najdete spole\u010dn\u011b s\u00a0refinancov\u00e1n\u00edm p\u016fj\u010dek n\u00e1zev tak\u00e9 p\u0159eveden\u00ed, kter\u00fd v\u00a0podstat\u011b tuto t\u00e9matiku vystihuje. Refinancov\u00e1n\u00ed p\u016fj\u010dky je p\u0159eveden\u00ed p\u016fj\u010dky od jedn\u00e9 spole\u010dnosti ke druh\u00e9. \u010cili nap\u0159\u00edklad z\u00a0banky do jin\u00e9 banky, nebo od nebankovn\u00ed spole\u010dnosti na n\u011bjakou jinou nebankovn\u00ed spole\u010dnost nebo z\u00a0banky na nebankovn\u00ed spole\u010dnost nebo obr\u00e1cen\u011b z\u00a0nebankovn\u00ed spole\u010dnosti do banky. Z\u00e1le\u017e\u00ed na tom, kde klientovi poskytnou lep\u0161\u00ed a pro n\u011bj \u201ev\u00fdhodn\u011bj\u0161\u00ed\u201c podm\u00ednky. Co samotn\u00e9 refinancov\u00e1n\u00ed obsahuje? Refinancov\u00e1n\u00ed \u00fav\u011bru neznamen\u00e1 konsolidaci. V\u00a0mnoh\u00fdch p\u0159\u00edpadech m\u016f\u017eete narazit i na toto slovn\u00ed spojen\u00ed. \u010casto se zobrazuje refinancov\u00e1n\u00ed a konsolidace u podobn\u00fdch t\u00e9mat v\u00a0oblasti p\u016fj\u010dek a \u00fav\u011br\u016f. Ov\u0161em neznamenaj\u00ed tot\u00e9\u017e. Zat\u00edmco konsolidace spo\u010d\u00edv\u00e1 ve slou\u010den\u00ed v\u00edce p\u016fj\u010dek do jedn\u00e9 \u201ezast\u0159e\u0161uj\u00edc\u00ed\u201c p\u016fj\u010dky (zbav\u00edte se zbyte\u010dn\u00fdch poplatk\u016f a nadm\u011brn\u00e9 administrativy), refinancov\u00e1n\u00ed m\u016f\u017ee spo\u010d\u00edvat na jedn\u00e9 p\u016fj\u010dce, kdy klient z\u00edsk\u00e1 v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky u jin\u00e9 banky nebo nebankovn\u00ed spole\u010dnosti.\tSn\u00ed\u017een\u00ed spl\u00e1tekA jak je to se sn\u00ed\u017een\u00edm spl\u00e1tek? Mnoho spole\u010dnost\u00ed a bankovn\u00edch instituc\u00ed nab\u00edz\u00ed za refinancov\u00e1n\u00ed spot\u0159ebitelsk\u00e9ho \u00fav\u011bru nebo za refinancov\u00e1n\u00ed p\u0159eklenovac\u00edho \u00fav\u011bru v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky. Nap\u0159\u00edklad sn\u00ed\u017een\u00ed spl\u00e1tek. Dokl\u00e1d\u00e1 se p\u016fvodn\u00ed smlouva o p\u016fj\u010dce nebo o \u00fav\u011bru. Tento zp\u016fsob lze vyu\u017e\u00edt i v\u00a0p\u0159\u00edpad\u011b hypot\u00e9ky. Pokud vyu\u017eijete refinancov\u00e1n\u00ed hypot\u00e9ky, m\u016f\u017eete si nastavit ni\u017e\u0161\u00ed spl\u00e1tky, del\u0161\u00ed dobu spl\u00e1cen\u00ed a jin\u00e9 obdob\u00ed fixace. T\u00edmto zp\u016fsobem lze mnohdy u\u0161et\u0159it i tis\u00edce korun, proto tuto mo\u017enost poskytovatel\u00e9 nab\u00edz\u00ed. Refinancovat m\u016f\u017eete i p\u0159eklenovac\u00ed \u00fav\u011br. Refinancov\u00e1n\u00ed \u00fav\u011br\u016f se vyu\u017e\u00edv\u00e1 v\u00a0p\u0159\u00edpad\u011b, \u017ee klientovi m\u016f\u017ee poskytnout n\u011bkdo lep\u0161\u00ed a v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky, ne\u017e jak\u00e9 m\u00e1 nyn\u00ed ve smlouv\u011b. T\u00edmto zp\u016fsobem v\u00a0postat\u011b p\u0159evedete p\u016fj\u010dku z\u00a0jedn\u00e9 spole\u010dnosti do druh\u00e9. Nen\u00ed v\u0161ak pot\u0159eba \u017e\u00e1dn\u00e1 slo\u017eit\u00e1 administrativa, spole\u010dnosti si v\u0161e vy\u0159izuj\u00ed na z\u00e1klad\u011b Va\u0161eho souhlasu. Refinancov\u00e1n\u00ed p\u016fj\u010dek je velice obl\u00edben\u00e9 v\u00a0posledn\u00edch letech, proto\u017ee spole\u010dnosti se p\u0159edh\u00e1n\u00ed v\u00a0poskytov\u00e1n\u00ed \u201ev\u00fdhodn\u011bj\u0161\u00edch\u201c podm\u00ednek pro klienty.\t                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Refinancov\u00e1n\u00ed p\u016fj\u010dky a \u00fav\u011bru","item":"https:\/\/www.zerba.cz\/refinancovani-pujcky-a-uveru\/#breadcrumbitem"}]}]