[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.gopal.cz\/skonceni-fixace-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.gopal.cz\/skonceni-fixace-hypoteky\/","headline":"Skon\u010den\u00ed fixace hypot\u00e9ky","name":"Skon\u010den\u00ed fixace hypot\u00e9ky","description":"A\u0165 u\u017e jste si vy sami hypot\u00e9ky n\u011bkdy u n\u011bjak\u00e9<span class=\"more-button\"><a href=\"https:\/\/www.gopal.cz\/skonceni-fixace-hypoteky\/\" class=\"more-link\">Pokra\u010dovat ve \u010dten\u00ed<span class=\"screen-reader-text\">Skon\u010den\u00ed fixace hypot\u00e9ky<\/span><\/a><\/span>","datePublished":"2021-05-28","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.gopal.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.gopal.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/5522eb0fc8481dea5f6519f6a0b15ee2c46358d48429b281fd7c49cbb5a929f9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5522eb0fc8481dea5f6519f6a0b15ee2c46358d48429b281fd7c49cbb5a929f9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"gopal.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.gopal.cz\/wp-content\/uploads\/podpis%20smlouvy_4.jpeg","url":"https:\/\/www.gopal.cz\/wp-content\/uploads\/podpis%20smlouvy_4.jpeg","height":0,"width":0},"url":"https:\/\/www.gopal.cz\/skonceni-fixace-hypoteky\/","about":["Online"],"wordCount":456,"articleBody":"   A\u0165 u\u017e jste si vy sami hypot\u00e9ky n\u011bkdy u n\u011bjak\u00e9 bankovn\u00ed \u010di nebankovn\u00ed spole\u010dnosti vzali, nebo s k takov\u00e9mu podstatn\u00e9mu \u017eivotn\u00edmu kroku teprve chyst\u00e1te, jist\u011b byste m\u011bli v\u011bd\u011bt, \u017ee sjednan\u00e1 \u00farokov\u00e1 sazba nen\u00ed v\u017edy jistotou. Ka\u017ed\u00e9mu toti\u017e po ur\u010dit\u00e9 dob\u011b prost\u011b jednoho dne skon\u010d\u00ed fixace v r\u00e1mci hypot\u00e9ky, a tak se tedy velmi lehce stane, \u017ee spole\u010dnost, se kterou jste smlouvu uzav\u0159eli v\u00e1m zvedne sjednanou \u00farokovou sazbu. Nemus\u00edte se v\u0161ak v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b \u010dehokoli b\u00e1t, jeliko\u017e se jedn\u00e1 zcela o b\u011b\u017en\u00fd postup, a d\u00edky tomu je tak tedy jist\u00e9 jedno skv\u011bl\u00e9 \u0159e\u0161en\u00ed, kter\u00e9 v\u00e1m pr\u00e1v\u011b s t\u00edmto probl\u00e9mem pom\u016f\u017ee.Jedn\u00e1 se o refinancov\u00e1n\u00ed hypot\u00e9ky https:\/\/nebankovnihypoteky.net\/refinancovani-hypoteky-k-nam\/, p\u0159i kter\u00e9m tak tedy doch\u00e1z\u00ed k p\u0159eveden\u00ed hypot\u00e9ka v aktu\u00e1ln\u00ed banky k jin\u00e9 bance, a to zejm\u00e9na z toho d\u016fvodu, \u017ee va\u0161e \u201enov\u00e1\u201c banka v\u00e1m nab\u00eddne v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddka, ne\u017e jak\u00e9 je v\u00e1m schopna garantovat va\u0161e st\u00e1vaj\u00edc\u00ed banka. V\u011bt\u0161inou je refinancov\u00e1n\u00ed mo\u017en\u00ed 12 m\u011bs\u00edc\u016f p\u0159ed koncem fixa\u010dn\u00edho obdob\u00ed, av\u0161ak existuj\u00ed i banky, u nich\u017e je mo\u017en\u00e9 refinancov\u00e1n\u00ed a\u017e 24 m\u011bs\u00edc\u016f p\u0159ed koncem fixace, co\u017e vede k zaji\u0161t\u011bn\u00ed v\u00fdhodn\u011bj\u0161\u00ed \u00farokov\u00e9 sazby, ne\u017e na jakou byste dos\u00e1hli na konci fixa\u010dn\u00edho obdob\u00ed. Jedn\u00e1 se tak tedy o velmi pot\u0159ebn\u00fd institut, jeliko\u017e pr\u00e1v\u011b d\u00edky n\u011bmu op\u011bt z\u00edsk\u00e1te pevnou p\u016fdu pod nohama, jeliko\u017e zjist\u00edte, \u017ee se opravdu nem\u00e1te \u010deho b\u00e1t, \u017ee i va\u0161e situace m\u00e1 sv\u00e9 skv\u011bl\u00e9 \u0159e\u0161en\u00ed.Na druhou stranu je v\u0161ak nutn\u00e9, abyste po\u010d\u00edtali s t\u00edm, \u017ee banka bude nahl\u00ed\u017eet do registru dlu\u017en\u00edk\u016f, a \u017ee se bude zaj\u00edmat o to, jak\u00fd jste vlastn\u011b dlu\u017en\u00edk. Pokud tak tedy m\u00e1te n\u011bkde n\u011bjak\u00e9 probl\u00e9my, je mo\u017en\u00e9, \u017ee klasick\u00e1 banka, nach\u00e1zej\u00edc\u00ed se na finan\u010dn\u00edm trhu v r\u00e1mci \u010cesk\u00e9 republiky, va\u0161i \u017e\u00e1dost odm\u00edtne. Ani toto v\u0161ak nen\u00ed \u017e\u00e1dn\u00fd probl\u00e9m, jeliko\u017e pr\u00e1v\u011b dnes ji\u017e na\u0161t\u011bst\u00ed existuj\u00ed nebankovn\u00ed spole\u010dnosti, kter\u00e9 pom\u00e1haj\u00ed k lep\u0161\u00edmu \u017eivotu t\u011bm, jejich\u017e \u017eivot je o n\u011bco slo\u017eit\u011bj\u0161\u00ed, a\u0165 u\u017e kv\u016fli zam\u011bstn\u00e1n\u00ed \u010di dluh\u016fm. P\u0159i vyu\u017eit\u00ed nab\u00eddky od nebankovn\u00ed spole\u010dnosti se tak tedy m\u016f\u017ee st\u00e1t jedin\u011b v\u00edt\u011bzem, nikoli pora\u017een\u00fdm.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Skon\u010den\u00ed fixace hypot\u00e9ky","item":"https:\/\/www.gopal.cz\/skonceni-fixace-hypoteky\/#breadcrumbitem"}]}]