[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ruefa.cz\/myty-a-polopravdy-kolem-refinancovani-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.ruefa.cz\/myty-a-polopravdy-kolem-refinancovani-hypoteky\/","headline":"M\u00fdty a polopravdy kolem refinancov\u00e1n\u00ed hypot\u00e9ky","name":"M\u00fdty a polopravdy kolem refinancov\u00e1n\u00ed hypot\u00e9ky","description":"R\u00e1di byste refinancovali svou st\u00e1vaj\u00edc\u00ed hypot\u00e9ku, ale nev\u00edte, zda se v\u00e1m to vyplat\u00ed? P\u0159em\u00fd\u0161l\u00edte, co v\u0161e je pot\u0159eba a zda v\u016fbec st\u00e1vaj\u00edc\u00ed v\u011b\u0159itel povol\u00ed refinancov\u00e1n\u00ed? Na co v\u0161echno si d\u00e1t pozor a s jak\u00fdmi m\u00fdty a polopravdami se m\u016f\u017eeme na cest\u011b za v\u00fdhodn\u011bj\u0161\u00edm \u00fav\u011brem setkat? Poj\u010fme se spole\u010dn\u011b pod\u00edvat na ty nej\u010dast\u011bj\u0161\u00ed, kter\u00e9 mohou dlu\u017en\u00edka […]","datePublished":"2021-01-22","dateModified":"2023-05-10","author":{"@type":"Person","@id":"https:\/\/www.ruefa.cz\/author\/#Person","name":"","url":"https:\/\/www.ruefa.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/baa231f7e1963b29d6549eb0e137b049d877d4e97c51386f463c7d4fc98329bd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/baa231f7e1963b29d6549eb0e137b049d877d4e97c51386f463c7d4fc98329bd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ruefa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ruefa.cz\/wp-content\/uploads\/kl%C3%AD%C4%8D%20od%20domu_6.jpg","url":"https:\/\/www.ruefa.cz\/wp-content\/uploads\/kl%C3%AD%C4%8D%20od%20domu_6.jpg","height":0,"width":0},"url":"https:\/\/www.ruefa.cz\/myty-a-polopravdy-kolem-refinancovani-hypoteky\/","about":["Pen\u00edze"],"wordCount":468,"articleBody":"      R\u00e1di byste refinancovali svou st\u00e1vaj\u00edc\u00ed hypot\u00e9ku, ale nev\u00edte, zda se v\u00e1m to vyplat\u00ed? P\u0159em\u00fd\u0161l\u00edte, co v\u0161e je pot\u0159eba a zda v\u016fbec st\u00e1vaj\u00edc\u00ed v\u011b\u0159itel povol\u00ed refinancov\u00e1n\u00ed? Na co v\u0161echno si d\u00e1t pozor a s jak\u00fdmi m\u00fdty a polopravdami se m\u016f\u017eeme na cest\u011b za v\u00fdhodn\u011bj\u0161\u00edm \u00fav\u011brem setkat? Poj\u010fme se spole\u010dn\u011b pod\u00edvat na ty nej\u010dast\u011bj\u0161\u00ed, kter\u00e9 mohou dlu\u017en\u00edka mnohdy od refinancov\u00e1n\u00ed odradit a rad\u011bji d\u00e1l spl\u00e1c\u00ed m\u00e9n\u011b v\u00fdhodn\u00fd \u00fav\u011br u st\u00e1vaj\u00edc\u00edho poskytovatele. Jakmile se hypote\u010dn\u00ed \u00fav\u011br pomalu bl\u00ed\u017e\u00ed ke konci doby fixace, je ide\u00e1ln\u00ed doba na pom\u00fd\u0161len\u00ed refinancovat. Refinancov\u00e1n\u00ed hypot\u00e9ky https:\/\/www.fahd.cz\/refinancovani-hypoteky\/ je ve zkratce splacen\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru \u00fav\u011brem nov\u00fdm ov\u0161em za v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek pro v\u011b\u0159itele. P\u0159ibli\u017en\u011b t\u0159i m\u011bs\u00edce p\u0159ed vypr\u0161en\u00edm st\u00e1vaj\u00edc\u00edho fixn\u00edho obdob\u00ed je dlu\u017en\u00edk informov\u00e1n o nov\u00fdch podm\u00ednk\u00e1ch na dal\u0161\u00ed obdob\u00ed, pokud s nimi souhlas\u00ed, nic z\u00e1sadn\u00edho se pro n\u011bj nem\u011bn\u00ed. I nad\u00e1le dlu\u017en\u00edk spl\u00e1c\u00ed ten sam\u00fd \u00fav\u011br stejn\u00e9mu v\u011b\u0159iteli. Druh\u00e1 mo\u017enost nast\u00e1v\u00e1 ve chv\u00edli, kdy dlu\u017en\u00edk s takto nov\u011b nastaven\u00fdmi podm\u00ednkami spokojen nen\u00ed. Je mo\u017en\u00e9 pokusit se sjednat se st\u00e1vaj\u00edc\u00edm v\u011b\u0159itelem v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky, pokud si v\u0161ak banka bude st\u00e1t na sv\u00e9m je na \u0159ad\u011b refinancov\u00e1n\u00ed. To by m\u011blo p\u0159ij\u00edt ve chv\u00edli, kdy jin\u00e1 banka nab\u00eddne v\u00fdrazn\u011b p\u0159\u00edzniv\u011bj\u0161\u00ed podm\u00ednky, jako je ni\u017e\u0161\u00ed \u00farokov\u00e1 sazba, del\u0161\u00ed doba spl\u00e1cen\u00ed nebo men\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. Najde se v\u0161ak \u0159ada \u010cech\u016f, kter\u00fdm p\u0159ijde porovn\u00e1v\u00e1n\u00ed s dal\u0161\u00edmi bankami zbyte\u010dn\u00e9 a rad\u011bji nad\u00e1le spl\u00e1cen\u00ed stejn\u00e9mu v\u011b\u0159iteli. \u010casto se tak sami zbyte\u010dn\u011b p\u0159ipravuj\u00ed o pen\u00edze, kter\u00e9 by mohli z\u00edskat refinancov\u00e1n\u00edm. Souhlas st\u00e1vaj\u00edc\u00edho v\u011b\u0159itele\u0158ada lid\u00ed se myln\u011b domn\u00edv\u00e1, \u017ee k refinancov\u00e1n\u00ed pot\u0159ebuje souhlas st\u00e1vaj\u00edc\u00edho v\u011b\u0159itele, p\u0159itom se tato domn\u011bnka v\u016fbec neztoto\u017e\u0148uje se skute\u010dnost\u00ed. Ze z\u00e1kona m\u00e1 dlu\u017en\u00edk pr\u00e1vo kdykoliv \u00fav\u011br p\u0159ed\u010dasn\u011b splatit. Refinancov\u00e1n\u00ed je n\u00e1ro\u010dn\u00fd procesNab\u00eddky jednotliv\u00fdch bank i nebankovn\u00edch spole\u010dnost\u00ed jsou dnes dostupn\u00e9 na internetu, v\u0161e se d\u00e1 vy\u0159e\u0161it rychle a bez zbyte\u010dn\u00e9ho pap\u00edrov\u00e1n\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.5\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00fdty a polopravdy kolem refinancov\u00e1n\u00ed hypot\u00e9ky","item":"https:\/\/www.ruefa.cz\/myty-a-polopravdy-kolem-refinancovani-hypoteky\/#breadcrumbitem"}]}]