[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.betaol.cz\/refinancovani-hypoteky-ano-ci-ne\/#Article","mainEntityOfPage":"https:\/\/www.betaol.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":"Jak jist\u011b v\u00edte v\u0161echny banky mezi sebou bojuj\u00ed aby z\u00edskali co nejv\u00edce nov\u00fdch klient\u016f. Pokud pr\u00e1v\u011b spl\u00e1c\u00edte hypot\u00e9ku tak se m\u016f\u017ee st\u00e1t \u017ee v\u00e1s kontaktuje tzv. hypote\u010dn\u00ed poradce od jak\u00e9koliv jin\u00e9 banky a bude v\u00e1m nab\u00edzet pr\u00e1v\u011b refinancov\u00e1n\u00ed hypot\u00e9ky za v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek. Refinancov\u00e1n\u00ed samo o...","datePublished":"2022-01-17","dateModified":"2022-01-17","author":{"@type":"Person","@id":"https:\/\/www.betaol.cz\/author\/#Person","name":"","url":"https:\/\/www.betaol.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b653a05acc9928bc50547a0b6ed51698115bbf59840455a4bc9d337f928ec9d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b653a05acc9928bc50547a0b6ed51698115bbf59840455a4bc9d337f928ec9d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"betaol.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.betaol.cz\/wp-content\/uploads\/refinanc.jpg","url":"https:\/\/www.betaol.cz\/wp-content\/uploads\/refinanc.jpg","height":0,"width":0},"url":"https:\/\/www.betaol.cz\/refinancovani-hypoteky-ano-ci-ne\/","about":["Finance"],"wordCount":893,"articleBody":"   Jak jist\u011b v\u00edte v\u0161echny banky mezi sebou bojuj\u00ed aby z\u00edskali co nejv\u00edce nov\u00fdch klient\u016f. Pokud pr\u00e1v\u011b spl\u00e1c\u00edte hypot\u00e9ku tak se m\u016f\u017ee st\u00e1t \u017ee v\u00e1s kontaktuje tzv. hypote\u010dn\u00ed poradce od jak\u00e9koliv jin\u00e9 banky a bude v\u00e1m nab\u00edzet pr\u00e1v\u011b refinancov\u00e1n\u00ed hypot\u00e9ky za v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek. Refinancov\u00e1n\u00ed samo o sob\u011b je takzvan\u00e9 spl\u00e1cen\u00ed va\u0161\u00ed hypot\u00e9ky u va\u0161\u00ed banky nov\u011b sjednanou hypot\u00e9kou u jin\u00e9 banky, Tak\u017ee hypote\u010dn\u00ed poradce v\u00e1m bude nab\u00edzet refinancov\u00e1n\u00ed d\u00edky kter\u00e9mu si vlastn\u011b sjedn\u00e1te novou hypot\u00e9ku u banky za kterou dan\u00fd hypote\u010dn\u00ed poradce mluv\u00ed. Tyto hypote\u010dn\u00ed poradci si v\u00e1s budou zkou\u0161et dostat na svoj\u00ed stranu r\u016fzn\u00fdmi mo\u017enostmi jednou z nich je nap\u0159\u00edklad nab\u00eddka ni\u017e\u0161\u00ed \u00farokov\u00e9 sazby hypot\u00e9ky. V p\u0159\u00edpad\u011b \u017ee se dan\u00e9mu poradci poda\u0159\u00ed jakoukoliv osobu p\u0159esv\u011bd\u010dit, tak klienti na refinancov\u00e1n\u00ed p\u0159istupuj\u00ed v\u011bt\u0161inou v dob\u011b kdy jim u jejich banky kon\u010d\u00ed doba sjednan\u00e9 fixace. Mezi dal\u0161\u00ed p\u0159\u00edklady kter\u00e9 v\u00e1m m\u016f\u017ee poradce nab\u00eddnout pat\u0159\u00ed nap\u0159\u00edklad : mo\u017enost \u00fapravy spl\u00e1tek, bude s v\u00e1mi projedn\u00e1vat p\u0159edev\u0161\u00edm \u00fapravu v\u00fd\u0161e spl\u00e1tek, jako dal\u0161\u00ed mo\u017enost je nap\u0159\u00edklad kr\u00e1tkodob\u00e9 p\u0159eru\u0161en\u00ed spl\u00e1cen\u00ed, p\u0159edev\u0161\u00edm pro osoby kter\u00e9 jsou v nep\u0159\u00edzniv\u00e9 \u017eivotn\u00ed situaci. Stoj\u00ed tedy refinancov\u00e1n\u00ed n\u011bco ? D\u00edky refinancov\u00e1n\u00ed m\u016f\u017eete z\u00edskat n\u011bjak\u00e9 ty pen\u00edze na v\u00edc, Tak\u017ee v p\u0159\u00edpad\u011b refinancov\u00e1n\u00ed si vy jako\u017eto klient p\u016fj\u010d\u00edte dal\u0161\u00ed pen\u00edze a m\u016f\u017eete je vyu\u017e\u00edt naprosto na cokoliv, a\u0165 u\u017e na koupi nov\u00e9ho auta nebo t\u0159eba jenom na opravu va\u0161e domu. Ne\u017e se ale rozhodnete k refinancov\u00e1n\u00ed p\u0159istoupit m\u011bli byste si nastudovat v\u0161e d\u016fle\u017eit\u00e9 a pot\u0159ebn\u00e9 pro spr\u00e1vn\u00fd a bezprobl\u00e9mov\u00fd postup p\u0159i refinancov\u00e1n\u00ed. U refinancov\u00e1n\u00ed hypot\u00e9ky se v\u0161ak nevyhnete ani placen\u00ed m\u016f\u017eete toti\u017e zaplatit nap\u0159\u00edklad za r\u016fzn\u00e9 n\u00e1vrhy, nap\u0159\u00edklad navrh na vymaz\u00e1n\u00ed z\u00e1stavn\u00edho pr\u00e1va z va\u0161\u00ed p\u0159ede\u0161l\u00e9 banky nebo za navrch na vklad z\u00e1stavn\u00ed smlouvy u va\u0161\u00ed nov\u00e9 banky ( jedn\u00e1 se o banku u kter\u00e9 jste podstoupili na refinancov\u00e1n\u00ed)Jak tedy za\u0159\u00eddit aby va\u0161e refinancov\u00e1n\u00ed prob\u011bhlo bez probl\u00e9m\u016f a spr\u00e1vn\u011b ? Jako prvn\u00ed si v\u017edy mus\u00edte pohl\u00eddat kdy v\u00e1m kon\u010d\u00ed doba fixace, V \u010cesk\u00e9 Republice klienti nej\u010dast\u011bji p\u0159istupuj\u00ed na fixaci \u00farokov\u00e9 sazby na t\u0159i a\u017e p\u011bt let. Pokud se v\u0161ak jedn\u00e1 o dobu n\u00edzk\u00fdch \u00farokov\u00fdch sazeb u n\u011bkter\u00fdch klient\u016f jejich z\u00e1jem o hypot\u00e9ku v\u00fdrazn\u011b roste, v tomto p\u0159\u00edpad\u011b se jedn\u00e1 o del\u0161\u00ed dobu fixace kde si n\u011bkte\u0159\u00ed klienti cht\u011bj\u00ed zajistit tzv. v\u00fdhodn\u00fd \u00farok a\u017e o deset let dop\u0159edu. Pokud se rozhodnete refinancov\u00e1n\u00ed hypot\u00e9ky https:\/\/nebankovnihypoteky.net\/refinancovani-hypoteky-k-nam\/ podstoupit je dobr\u00e9 aby jste si alespo\u0148 t\u0159i m\u011bs\u00edce p\u0159ed va\u0161\u00ed dobou fixace zpracovaly dan\u00e9 nab\u00eddky od jin\u00fdm bank. Mus\u00edte se zaj\u00edmat jak o v\u00fd\u0161i dan\u00e9 \u00farokov\u00e9 sazby ale tak\u00e9 o tzv. mo\u017enost p\u0159ed\u010dasn\u00e9ho spl\u00e1cen\u00ed nebo jestli bude nutn\u00e9 sjednat i dal\u0161\u00ed produkty nap\u0159\u00edklad – \u017eivotn\u00ed a majetkov\u00e9 poji\u0161t\u011bn\u00ed a podob. V p\u0159\u00edpad\u011b \u017ee z\u00edsk\u00e1te od dan\u00e9 banky n\u00e1rok na navrh \u00farokov\u00e9 sazby na dal\u0161\u00ed a del\u0161\u00ed dobu fixace, budete m\u00edt pro dan\u00e9 srovn\u00e1n\u00ed i nab\u00eddky od r\u016fzn\u00fdch konkurenc\u00ed. V tomto p\u0159\u00edpad\u011b se mus\u00edte obr\u00e1tit na va\u0161\u00ed st\u00e1vaj\u00edc\u00ed banku a projednat s n\u00ed jak\u00e9 jsou \u0161ance na dorovn\u00e1n\u00ed nab\u00eddky od jak\u00fdchkoliv konkurenc\u00ed. Pokud se v\u00e1m v\u0161ak stane \u017ee v\u00e1m va\u0161e st\u00e1vaj\u00edc\u00ed banka neslev\u00ed a dan\u00fd rozd\u00edl v podm\u00ednk\u00e1ch \u010di v \u00farokov\u00e9 sazb\u011b je zna\u010dn\u00fd, zkuste danou hypot\u00e9ku refinancovat. Jak\u00e9 doklady \u010di pap\u00edry budete pot\u0159ebovat u za\u0159izov\u00e1n\u00ed refinancov\u00e1n\u00ed hypot\u00e9ky u nov\u00e9 banky? 1) Dva jak\u00e9koliv doklady toto\u017enosti, nap\u0159\u00edklad OP nebo \u0158P a podob. (OP = ob\u010dansk\u00fd pr\u016fkaz, \u0158P = \u0158idi\u010dsk\u00fd pr\u016fkaz), 2) P\u016fvodn\u00ed smlouvy o hypote\u010dn\u00edm \u00fav\u011bru u star\u00e9 banky, 3) Z\u00e1stavn\u00ed smlouvu, 4) Takzvan\u00fd titul k dan\u00e9 nemovitosti, kterou jste nechaly zastavit a k tomu je\u0161t\u011b i sn\u00edmek z katastr\u00e1ln\u00ed mapy, 4) Potvrzen\u00ed o p\u0159\u00edjmu, 5) V\u00fdpis z katastru nemovitost\u00ed, 6) \u010c\u00edslo \u00fa\u010dtu pro va\u0161\u00ed novou banku, 7) Datum spl\u00e1tky p\u016fvodn\u00edho \u00fav\u011bru (tedy \u00fav\u011bru u va\u0161\u00ed star\u00e9 banky), 8) dan\u00fd souhlas va\u0161\u00ed star\u00e9 banky s p\u0159istoupen\u00edm nov\u00e9 banky tzv. druh\u00e9 m\u00edsto v z\u00e1stav\u011b (ov\u0161em do\u010dasn\u011b) Va\u0161e star\u00e1 banky by pot\u00e9 m\u011bla podat navrh na v\u00fdmaz z\u00e1stavn\u00edho pr\u00e1va z katastru nemovitost\u00ed nejpozd\u011bji do 30 dn\u016f od doby splacen\u00ed hypote\u010dn\u00edho \u00fav\u011bru. Pokud se v\u00e1m stane \u017ee by se banka tzv. cukala nebo se v\u00e1s zmocnila, m\u016f\u017eete podat navrh na v\u00fdmaz z\u00e1stav. pr\u00e1va z katastru nemovitost\u00ed samy.                                                                                                                                                                                                                                                                                                                                                                                           3.6\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Refinancov\u00e1n\u00ed hypot\u00e9ky Ano? \u010di ne?","item":"https:\/\/www.betaol.cz\/refinancovani-hypoteky-ano-ci-ne\/#breadcrumbitem"}]}]