[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kcms.cz\/refinancovani-hypoteky-ano-ci-ne\/#Article","mainEntityOfPage":"https:\/\/www.kcms.cz\/refinancovani-hypoteky-ano-ci-ne\/","headline":"Refinancov\u00e1n\u00ed hypot\u00e9ky Ano? \u010di ne ?","name":"Refinancov\u00e1n\u00ed hypot\u00e9ky Ano? \u010di ne ?","description":"Jako \u00fapln\u011b nejd\u0159\u00edve by jsme si m\u011bly vysv\u011btlit co tento pojem vlastn\u011b znamen\u00e1. Refinancov\u00e1n\u00ed hypot\u00e9ky je vlastn\u011b spl\u00e1cen\u00ed hypote\u010dn\u00edho \u00fav\u011bru […]","datePublished":"2021-11-27","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.kcms.cz\/author\/#Person","name":"","url":"https:\/\/www.kcms.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2a487990a452554e9d027cbab96c6e6e6d3b119f22a2b3fb9e2bcb7e021cd643?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2a487990a452554e9d027cbab96c6e6e6d3b119f22a2b3fb9e2bcb7e021cd643?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kcms.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kcms.cz\/wp-content\/uploads\/infografika-srvt-refinancovani.png","url":"https:\/\/www.kcms.cz\/wp-content\/uploads\/infografika-srvt-refinancovani.png","height":0,"width":0},"url":"https:\/\/www.kcms.cz\/refinancovani-hypoteky-ano-ci-ne\/","about":["Finance"],"wordCount":430,"articleBody":"        Jako \u00fapln\u011b nejd\u0159\u00edve by jsme si m\u011bly vysv\u011btlit co tento pojem vlastn\u011b znamen\u00e1.Refinancov\u00e1n\u00ed hypot\u00e9ky je vlastn\u011b spl\u00e1cen\u00ed hypote\u010dn\u00edho \u00fav\u011bru u va\u0161\u00ed st\u00e1vaj\u00edc\u00ed banky, a jedn\u00e1 se o spl\u00e1cen\u00ed sjednan\u00e9 hypot\u00e9ky u jin\u00e9 banky. P\u0159i refinancov\u00e1n\u00ed hypot\u00e9ky si m\u016f\u017eete tak\u00e9 hypot\u00e9ky nav\u00fd\u0161it. Jednou z v\u00fdhod ref. hypot\u00e9ky je \u017ee nen\u00ed \u010dasov\u00e9 ani administrativn\u011b n\u00e1ro\u010dn\u00e1. Pokud se rozhodnete Ref. hypot\u00e9ku ke konci sjednan\u00e9 doby fixace ukon\u010dit nemus\u00edte se b\u00e1t \u017e\u00e1dn\u00fdch pokut ani zbyte\u010dn\u00e9ho pen\u00e1le. Mus\u00edte v\u0161ak va\u0161\u00ed bance ozn\u00e1mit alespo\u0148 30 dn\u00ed p\u0159ed vypr\u0161en\u00edm fixa\u010dn\u00ed doby za jak\u00fdm z\u00e1m\u011brem se to chyst\u00e1te prov\u00e9st.KDY SE REFINANCOV\u00c1N\u00cd HYPOT\u00c9KY NEVYPL\u00c1C\u00cd ?– Pokud je v\u00e1\u0161 p\u0159\u00edjem ni\u017e\u0161\u00ed nebo spl\u00e1c\u00edte dal\u0161\u00ed \u00fav\u011bry.– Pokud u va\u0161\u00ed banky m\u00e1te jak\u00e9koliv jin\u00e9 v\u00fdhody (nap\u0159. v\u00fdhodn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed nemovitosti nebo veden\u00ed b\u011b\u017en\u00e9ho \u00fa\u010dtu zdarma)Kalkula\u010dky– Jak jste si jist\u011b mohly v\u0161imnou na internetu najdete hromady odkaz\u016f na hypot\u00e9\u010dn\u00ed kalkula\u010dky a je tomu stejn\u011b i co se t\u00fd\u010de refinancov\u00e1n\u00ed hypot\u00e9ky Kalkula\u010dky ur\u010den\u00e9 k v\u00fdpo\u010dtu refinancov\u00e1n\u00ed hypot\u00e9ky vypadaj\u00ed zhruba takhle.1) \u00dadaje k sou\u010dasn\u00e9 hypot\u00e9ce – zad\u00e1te v\u00fd\u0161i \u00fav\u011bru, pot\u00e9 si vyberete d\u00e9lku splatnosti a jako posledn\u00ed zad\u00e1te dobu fixace a zad\u00e1te konec fixace 2)\u00dadaje refinancov\u00e1n\u00ed –  Op\u011bt jako prvn\u00ed zad\u00e1te cenu dan\u00e9 nemovitosti a jak dlouho chcete spl\u00e1cet, pot\u00e9 zad\u00e1te novou dobu fixace a je\u0161t\u011b dopln\u00edte kolik v\u00e1m zb\u00fdv\u00e1 zaplatit z dan\u00e9ho \u00fav\u011bru.Vzor : V\u00fd\u0161e \u00fav\u011bru – 2 000 000 K\u010d  Cena nemovitosti – 2 000 000 K\u010dD\u00e9lka splatnosti – 30 Let  Jak dlouho chci spl\u00e1cet ? – 30 let doba fixace – 4 roky  Nov\u00e1 doba fixace –  5 letKonec doby fixace – 09\/2022  zb\u00fdv\u00e1 doplatit – 1 100 000 K\u010dPo vypln\u011bn\u00ed kliknete na tla\u010d\u00edtko Chci nab\u00eddky refinancov\u00e1n\u00ed hypot\u00e9ky Pot\u00e9 v\u00e1m vyjede dal\u0161\u00ed tabulka (posledn\u00ed krok), tam vypln\u00edte \u00da\u010del \u00fav\u011bru, typ nemovitosti, zdroje p\u0159\u00edjmu va\u0161\u00ed dom\u00e1cnosti, \u010dist\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem a pot\u00e9 u\u017e jen sta\u010d\u00ed zadat va\u0161e kontaktn\u00ed \u00fadaje.\u00da\u010del \u00fav\u011bru – koup\u011b nemovitosti Typ nemovitosti – rodinn\u00fd d\u016fmZdroje p\u0159\u00edjmu – zam\u011bstnanec \u010cist\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem – 20 000Kontakt. \u00fadaje – xxxxx Pot\u00e9 u\u017e jenom po\u010dk\u00e1te a\u017e se v\u00e1m ozve dan\u00fd poradce a probere s v\u00e1mi danou v\u011bc                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Refinancov\u00e1n\u00ed hypot\u00e9ky Ano? \u010di ne ?","item":"https:\/\/www.kcms.cz\/refinancovani-hypoteky-ano-ci-ne\/#breadcrumbitem"}]}]