[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/strach-z-predcasneho-splaceni\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/strach-z-predcasneho-splaceni\/","headline":"Strach z p\u0159ed\u010dasn\u00e9ho splacen\u00ed","name":"Strach z p\u0159ed\u010dasn\u00e9ho splacen\u00ed","description":"Ka\u017ed\u00fd rok nyn\u00ed m\u016f\u017eete splatit z hypot\u00e9ky a\u017e 25% bez jak\u00e9koli sankce i mimo term\u00ednu fixace. Strach, \u017ee nep\u016fjde platit v\u00edce nebo rychleji tedy m\u00edt nemus\u00edte, ale pozor, ale nep\u016fjde to kdykoli, n\u00fdbr\u017e jen ka\u017ed\u00fd m\u011bs\u00edc p\u0159ed &bdquo;v\u00fdro\u010d\u00edm&ldquo; smlouvy. Toto pravidlo plat\u00ed pro v\u0161echny nov\u011b uzav\u0159en\u00e9 hypot\u00e9ky a samoz\u0159ejm\u011b od data, kdy toto za\u010dne platit. &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/strach-z-predcasneho-splaceni\/\"> <span class=\"screen-reader-text\">Strach z p\u0159ed\u010dasn\u00e9ho splacen\u00ed<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2016-09-18","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\/strach-z-predcasneho-splaceni\/","about":["Finan\u010dn\u00ed spole\u010dnosti"],"wordCount":410,"articleBody":"\tKa\u017ed\u00fd rok nyn\u00ed m\u016f\u017eete splatit z hypot\u00e9ky a\u017e 25% bez jak\u00e9koli sankce i mimo term\u00ednu fixace. Strach, \u017ee nep\u016fjde platit v\u00edce nebo rychleji tedy m\u00edt nemus\u00edte, ale pozor, ale nep\u016fjde to kdykoli, n\u00fdbr\u017e jen ka\u017ed\u00fd m\u011bs\u00edc p\u0159ed &bdquo;v\u00fdro\u010d\u00edm&ldquo; smlouvy. Toto pravidlo plat\u00ed pro v\u0161echny nov\u011b uzav\u0159en\u00e9 hypot\u00e9ky a samoz\u0159ejm\u011b od data, kdy toto za\u010dne platit. Vztahovat se to bude i na hypot\u00e9ky uzav\u0159en\u00e9 d\u0159\u00edve, ale samoz\u0159ejm\u011b a\u017e po uplynut\u00ed doby jejich fixace.\tSplatit celou p\u016fj\u010dku najednouI splatit celou p\u016fj\u010dku najednou nebude takov\u00fd probl\u00e9m, tedy rozhodn\u011b to bude snaz\u0161\u00ed. Dosud jsme museli, pokud jsme se rozhodli splatit celou hypot\u00e9ku nar\u00e1z, uhradit p\u011bt procent ze zbyl\u00e9 \u010d\u00e1stky za ka\u017ed\u00fd den, o kter\u00fd jsme splatili d\u0159\u00edve, respektive do konce fixace. Nyn\u00ed u\u017e ale u bank p\u016fjde &bdquo;pouze&ldquo; o na\u00fa\u010dtov\u00e1n\u00ed si \u00fa\u010deln\u011b vynalo\u017een\u00fdch n\u00e1klad\u016f. A co to m\u016f\u017ee b\u00fdt? Nap\u0159\u00edklad \u00farok jin\u00e9 bance za p\u016fj\u010den\u00ed pen\u011bz, nebo n\u011bjak\u00e9 administrativn\u00ed operace, ale i n\u011bkolik dal\u0161\u00edch souvisej\u00edc\u00edch operac\u00ed. U \u00fav\u011br\u016f na bydlen\u00ed si takto v\u011bt\u0161inou poskytovatel p\u016fj\u010dky obstar\u00e1v\u00e1 pen\u011bz na dobu klientovy fixace.\tJedna v\u00fdjimka budePokud se klienti dostane do \u017eivotn\u011b nelehk\u00e9 situace, m\u016f\u017ee b\u00fdt klientovy poplatek za \u00fa\u010deln\u011b vynalo\u017een\u00e9 n\u00e1klady odpu\u0161t\u011bn zcela!\tMus\u00edte nemovitost prodatPokud se dostanete do situace, \u017ee budete muset nemovitost v dob\u011b spl\u00e1cen\u00ed hypot\u00e9ky prodat, bude si poskytovatel \u00fav\u011bru \u00fa\u010dtovat &bdquo;pen\u00e1le&ldquo; jen jedno procento z p\u0159ed\u010dasn\u011b splacen\u00e9 \u010d\u00e1stky. Hovo\u0159\u00edme tedy o hypot\u00e9k\u00e1ch star\u0161\u00edch ne\u017e dva roky. V ostatn\u00edch p\u0159\u00edpadech se jedn\u00e1 pouze o hypot\u00e9ky nov\u011b uzav\u0159en\u00e9.\tJin\u00e1 pravidla pro st\u00e1vaj\u00edc\u00ed klientyTi, co u\u017e hypot\u00e9ku maj\u00ed, nov\u00e1 pravidla za\u010dnou platit od skon\u010den\u00ed jejich fixace. Pokud m\u00e1te ale pohyblivou \u00farokovou sazbu, zm\u011bna se v\u00e1s bude t\u00fdkat okam\u017eit\u011b se za\u010d\u00e1tkem \u00fa\u010dinnosti z\u00e1kona.Samoz\u0159ejm\u011b, \u017ee se nab\u00edz\u00ed ot\u00e1zka, zda se poskytovatel\u00e9 p\u016fj\u010dek nebudou cht\u00edt zahojit jinde, nap\u0159\u00edklad op\u011btovn\u00fdm zv\u00fd\u0161en\u00edm \u00farok\u016f. Nechme se p\u0159ekvapit a snad to nebude p\u0159ekvapen\u00ed jen negativn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Strach z p\u0159ed\u010dasn\u00e9ho splacen\u00ed","item":"https:\/\/www.zerba.cz\/strach-z-predcasneho-splaceni\/#breadcrumbitem"}]}]