[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.amepo.cz\/kdyz-vam-konci-doba-fixace-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.amepo.cz\/kdyz-vam-konci-doba-fixace-hypoteky\/","headline":"Kdy\u017e v\u00e1m kon\u010d\u00ed doba fixace hypot\u00e9ky","name":"Kdy\u017e v\u00e1m kon\u010d\u00ed doba fixace hypot\u00e9ky","description":"Kdy je ten spr\u00e1vn\u00fd \u010das na refinancov\u00e1n\u00ed hypot\u00e9ku? No p\u0159ece p\u0159ed koncem fixace. O refinancov\u00e1n\u00ed se ka\u017ed\u00fd rok zaj\u00edm\u00e1 tis\u00edce \u010cech\u016f, jejich\u017e c\u00edlem je sjednat v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky na dal\u0161\u00ed fixn\u00ed obdob\u00ed. Co vlastn\u011b znamen\u00e1 doba fixace a pro\u010d je natolik d\u016fle\u017eit\u00e1? Fixace \u00farokov\u00e9 sazby je ve zkratce dohodnut\u00e9 obdob\u00ed mezi poskytovatelem \u00fav\u011bru a dlu\u017en\u00edkem, po","datePublished":"2021-04-12","dateModified":"2021-04-12","author":{"@type":"Person","@id":"https:\/\/www.amepo.cz\/author\/#Person","name":"","url":"https:\/\/www.amepo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/cfe4dae5aaf43720425415780408681beb9b9a829e9a657295ed1cacce5febc2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/cfe4dae5aaf43720425415780408681beb9b9a829e9a657295ed1cacce5febc2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"amepo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.amepo.cz\/wp-content\/uploads\/p%C5%AFj%C4%8Den%C3%AD%20pen%C4%9Bz_6.jpg","url":"https:\/\/www.amepo.cz\/wp-content\/uploads\/p%C5%AFj%C4%8Den%C3%AD%20pen%C4%9Bz_6.jpg","height":0,"width":0},"url":"https:\/\/www.amepo.cz\/kdyz-vam-konci-doba-fixace-hypoteky\/","about":["Online"],"wordCount":396,"articleBody":"   Kdy je ten spr\u00e1vn\u00fd \u010das na refinancov\u00e1n\u00ed hypot\u00e9ku? No p\u0159ece p\u0159ed koncem fixace. O refinancov\u00e1n\u00ed se ka\u017ed\u00fd rok zaj\u00edm\u00e1 tis\u00edce \u010cech\u016f, jejich\u017e c\u00edlem je sjednat v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky na dal\u0161\u00ed fixn\u00ed obdob\u00ed. Co vlastn\u011b znamen\u00e1 doba fixace a pro\u010d je natolik d\u016fle\u017eit\u00e1? Fixace \u00farokov\u00e9 sazby je ve zkratce dohodnut\u00e9 obdob\u00ed mezi poskytovatelem \u00fav\u011bru a dlu\u017en\u00edkem, po kter\u00e9 se nem\u011bn\u011bn\u00fd v\u00fd\u0161e \u00farokov\u00e9 sazby. Toto obdob\u00ed se li\u0161\u00ed s ka\u017edou \u00fav\u011brovou spole\u010dnost\u00ed. Je mo\u017en\u00e9 narazit na dobu fixace 5, 7 nebo dokonce 10 let. V\u017edy tedy z\u00e1le\u017e\u00ed na dohodnut\u00fdch podm\u00ednk\u00e1ch, kter\u00fdmi je zapot\u0159eb\u00ed se \u0159\u00eddit. V\u011b\u0159itel by m\u011bl dlu\u017en\u00edka p\u0159ibli\u017en\u011b 3 m\u011bs\u00edce p\u0159ed koncem fixace na tuto skute\u010dnost upozornit a z\u00e1rove\u0148 navrhnout nov\u00e9 podm\u00ednky pro dal\u0161\u00ed fixn\u00ed obdob\u00ed. Pokud dlu\u017en\u00edk s nov\u011b nastaven\u00fdmi podm\u00ednkami souhlas\u00ed, pokra\u010duje i nad\u00e1le ve spl\u00e1cen\u00ed aktu\u00e1ln\u00edho \u00fav\u011bru. Refinancov\u00e1n\u00ed hypot\u00e9ky nast\u00e1v\u00e1 ve chv\u00edli, kdy dlu\u017en\u00edk neakceptuje nov\u011b vznikl\u00e9 skute\u010dnosti a najde pro n\u011bj v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku. Co znamen\u00e1 refinancovat hypot\u00e9ku? Refinancov\u00e1n\u00ed hypot\u00e9ky ve zkratce znamen\u00e1 splacen\u00ed aktu\u00e1ln\u00edho \u00fav\u011bru \u00fav\u011brem nov\u00fdm, kter\u00fd je v\u0161ak pro dlu\u017en\u00edka uzav\u0159en za v\u00fdznamn\u011b lep\u0161\u00edch podm\u00ednek. Tento \u00fav\u011br pak spl\u00e1c\u00ed stejn\u011b jako doposud ov\u0161em jin\u00e9mu v\u011b\u0159iteli. Podm\u00ednky u nov\u00e9ho \u00fav\u011bru by m\u011bly b\u00fdt v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00ed, aby refinancov\u00e1n\u00ed v\u016fbec m\u011blo smysl. Nej\u010dast\u011bji je to men\u0161\u00ed \u00farokov\u00e1 sazba, ale roli mohou hr\u00e1t i dal\u0161\u00ed body smlouvy, jako jsou ni\u017e\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky, administrativa, del\u0161\u00ed doba spl\u00e1cen\u00ed nebo zv\u00fdhodn\u011bn\u00e9 dal\u0161\u00ed bankovn\u00ed slu\u017eby. Ve zkratce se refinancov\u00e1n\u00ed velmi podob\u00e1 konsolidaci p\u016fj\u010dek. Konsolidace je v\u0161ak prim\u00e1rn\u011b ur\u010den\u00e1 ke slou\u010den\u00ed v\u00edce \u00fav\u011br\u016f v jeden mnohdy s c\u00edlem sn\u00ed\u017eit finan\u010dn\u00ed v\u00fddaje spojen\u00e9 s \u00fav\u011brov\u00fdmi produkty. \u00dav\u011bry se slou\u010d\u00ed v jeden a to znamen\u00e1 tak\u00e9 jednu jedinou spl\u00e1tku, kter\u00e1 tolik nezat\u00ed\u017e\u00ed finan\u010dn\u00ed rozpo\u010det. Zatou\u017eili jste tako po refinancov\u00e1n\u00ed?                                                                                                                                                                                                                                                                                                                                                                                                   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