[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.fabp.cz\/co-je-refinancovani-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.fabp.cz\/co-je-refinancovani-hypoteky\/","headline":"Co je refinancov\u00e1n\u00ed hypot\u00e9ky","name":"Co je refinancov\u00e1n\u00ed hypot\u00e9ky","description":"Pokud si zvl\u00e1\u0161t\u011b mlad\u00ed lid\u00e9 cht\u011bj\u00ed koupit vlastn\u00ed d\u016fm \u010di byt, pak zdaleka nejb\u011b\u017en\u011bj\u0161\u00edm zp\u016fsobem, jak na n\u011bj z\u00edskat pen\u00edze, je hypot\u00e9ka. Ta m\u00e1 ov\u0161em ten h\u00e1\u010dek, \u017ee ji budeme spl\u00e1cet po mnoho n\u00e1sleduj\u00edc\u00edch let. A jak ukazuje sou\u010dasn\u00e1 situace, nikde nen\u00ed ps\u00e1no, \u017ee na\u0161e p\u0159\u00edjmy a v\u00fddaje z\u016fstanou po celou tu dobu stejn\u00e9. Co […]","datePublished":"2022-03-12","dateModified":"2022-03-12","author":{"@type":"Person","@id":"https:\/\/www.fabp.cz\/author\/#Person","name":"","url":"https:\/\/www.fabp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/64d58fab86512053c8bb518a6563e7284bb4a3422dc9af0106c3f39575364c7b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/64d58fab86512053c8bb518a6563e7284bb4a3422dc9af0106c3f39575364c7b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"fabp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.fabp.cz\/wp-content\/uploads\/hypoteka1_10_10_10_10_10_3.jpg","url":"https:\/\/www.fabp.cz\/wp-content\/uploads\/hypoteka1_10_10_10_10_10_3.jpg","height":0,"width":0},"url":"https:\/\/www.fabp.cz\/co-je-refinancovani-hypoteky\/","wordCount":474,"articleBody":"   Pokud si zvl\u00e1\u0161t\u011b mlad\u00ed lid\u00e9 cht\u011bj\u00ed koupit vlastn\u00ed d\u016fm \u010di byt, pak zdaleka nejb\u011b\u017en\u011bj\u0161\u00edm zp\u016fsobem, jak na n\u011bj z\u00edskat pen\u00edze, je hypot\u00e9ka. Ta m\u00e1 ov\u0161em ten h\u00e1\u010dek, \u017ee ji budeme spl\u00e1cet po mnoho n\u00e1sleduj\u00edc\u00edch let. A jak ukazuje sou\u010dasn\u00e1 situace, nikde nen\u00ed ps\u00e1no, \u017ee na\u0161e p\u0159\u00edjmy a v\u00fddaje z\u016fstanou po celou tu dobu stejn\u00e9.Co tedy m\u00e1me d\u011blat v p\u0159\u00edpad\u011b, \u017ee v d\u016fsledku nap\u0159\u00edklad sou\u010dasn\u00e9ho r\u016fstu cen ji\u017e nejsme schopni ji spl\u00e1cet? Mo\u017enost\u00ed m\u00e1me hned n\u011bkolik. Tou zdaleka nejb\u011b\u017en\u011bj\u0161\u00ed je prodej onoho domu \u010di bytu i s hypot\u00e9kou. Zde je v\u0161ak probl\u00e9m v tom, \u017ee o takto zat\u00ed\u017eenou nemovitost bude m\u00edt jen m\u00e1lokdo z\u00e1jem. Nav\u00edc to samoz\u0159ejm\u011b znamen\u00e1, \u017ee o n\u00e1\u0161 domov p\u0159ijdeme.Dal\u0161\u00ed mo\u017enost\u00ed, kter\u00e1 je v sou\u010dasnosti hojn\u011b nab\u00edzen\u00e1, je refinancov\u00e1n\u00ed hypot\u00e9ky Fahd.cz. To je zn\u00e1m\u00e9 p\u0159edev\u0161\u00edm z jin\u00fdch druh\u016f p\u016fj\u010dek, av\u0161ak je mo\u017en\u00e9 jej pou\u017e\u00edt i v tomto p\u0159\u00edpad\u011b. Jednodu\u0161e \u0159e\u010deno, jedn\u00e1 se o p\u0159evod hypot\u00e9ky k jin\u00e9mu poskytovateli, kter\u00fd nab\u00eddne ni\u017e\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky a v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky.Je jasn\u00e9, \u017ee cel\u00fd proces nen\u00ed zrovna jednoduch\u00fd, av\u0161ak rozhodn\u011b pom\u016f\u017ee uleh\u010dit na\u0161\u00ed pen\u011b\u017eence. Ot\u00e1zkou v\u0161ak je, zda ona \u00faleva bude dostate\u010dn\u00e1. Tady si mus\u00edme uv\u011bdomit p\u0159edev\u0161\u00edm to, kolik si vlastn\u011b m\u016f\u017eeme dovolit spl\u00e1cet, a podle toho se \u0159\u00eddit.Samoz\u0159ejm\u011b, st\u00e1vaj\u00edc\u00ed poskytovatel nebude cht\u00edt o sv\u00e9ho klienta p\u0159ij\u00edt, tak\u017ee je mo\u017en\u00e9, \u017ee p\u0159ijde s lep\u0161\u00ed nab\u00eddkou. Je pak na n\u00e1s, abychom se rozhodli, kter\u00e9 \u0159e\u0161en\u00ed pro n\u00e1s bude v\u00fdhodn\u011bj\u0161\u00ed. Je tedy dobr\u00e9 si pe\u010dliv\u011b p\u0159e\u010d\u00edst podm\u00ednky obou hypot\u00e9k a vybrat z nich tu, kter\u00e1 je v\u00fdhodn\u011bj\u0161\u00ed.Je toti\u017e mo\u017en\u00e9, \u017ee n\u00e1m budou nab\u00eddnuty ni\u017e\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky, av\u0161ak \u00faroky a poplatky budou vy\u0161\u0161\u00ed, tak\u017ee se nejen prodlou\u017e\u00ed celkov\u00e1 doba spl\u00e1cen\u00ed, ale z\u00e1rove\u0148 tak\u00e9 zaplat\u00edme v\u00edc. To je pom\u011brn\u011b b\u011b\u017en\u00e1 praxe, kter\u00e1 sice z kr\u00e1tkodob\u00e9ho hlediska vypad\u00e1 pro dlu\u017en\u00edka v\u00fdhodn\u011b (bude platit m\u00e9n\u011b), av\u0161ak v kone\u010dn\u00e9m d\u016fsledku je tomu naopak, nebo\u0165 nakonec zaplat\u00ed podstatn\u011b vy\u0161\u0161\u00ed \u010d\u00e1stku.M\u011bjme se tedy na pozoru a ne\u017e se pro tento krok rozhodneme, dob\u0159e v\u0161e zva\u017eme. Ud\u011blat zde chybu m\u016f\u017ee b\u00fdt toti\u017e za sou\u010dasn\u00e9 situace prakticky likvida\u010dn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                  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