{"id":31274,"date":"2022-03-17T14:52:49","date_gmt":"2022-03-17T13:52:49","guid":{"rendered":"https:\/\/financera.cz\/?post_type=how_to&p=31274"},"modified":"2024-09-26T09:14:15","modified_gmt":"2024-09-26T07:14:15","slug":"refinancovani-hypoteky","status":"publish","type":"how_to","link":"https:\/\/financera.cz\/osobni-finance\/clanky\/refinancovani-hypoteky\/","title":{"rendered":"Refinancov\u00e1n\u00ed hypot\u00e9ky 2025"},"content":{"rendered":"\n

I p\u0159esto, \u017ee \u00farokov\u00e9 sazby v leto\u0161n\u00edm roce neust\u00e1le stoupaj\u00ed, st\u00e1le jsou relativn\u011b n\u00edzk\u00e9, co\u017e je d\u016fsledkem vysok\u00e9 konkurence v bankovn\u00edm i nebankovn\u00edm sektoru.<\/strong> Banky st\u00e1le bojuj\u00ed o ka\u017ed\u00e9ho klienta a v p\u0159\u00edpad\u011b, \u017ee si ho cht\u011bj\u00ed udr\u017eet, jsou ochotny nab\u00eddnout lep\u0161\u00ed podm\u00ednky.<\/p>\n\n\n\n

Refinancov\u00e1n\u00ed hypot\u00e9ky <\/strong>a p\u0159evod \u00fav\u011bru do jin\u00e9 banky je trend posledn\u00ed doby. Podle aktu\u00e1ln\u00edch odhad\u016f by se v\u0161ak v budoucnu m\u011bl tento trend v\u00fdrazn\u011b zpomalit, a to zejm\u00e9na z d\u016fvodu neust\u00e1le se zp\u0159\u00eds\u0148uj\u00edc\u00edch podm\u00ednek hypote\u010dn\u00edch \u00fav\u011br\u016f<\/strong> i rostouc\u00edch \u00farokov\u00fdch sazeb.<\/p>\n\n\n\n\n\n

Co je refinancov\u00e1n\u00ed hypot\u00e9ky<\/h2>\n\n\n\n

Refinancov\u00e1n\u00ed hypot\u00e9ky<\/strong> bychom mohli jednodu\u0161e vysv\u011btlit jako proces, ve kter\u00e9m se star\u00fd hypote\u010dn\u00ed \u00fav\u011br nahrad\u00ed nov\u00fdm \u00fav\u011brem, s n\u00edm\u017e se zpravidla v\u00e1\u017eou lep\u0161\u00ed podm\u00ednky a ni\u017e\u0161\u00ed \u00farokov\u00e1 sazba.<\/p>\n\n\n\n

V\u0161echno v\u0161ak z\u00e1vis\u00ed na aktu\u00e1ln\u00ed situaci na finan\u010dn\u00edm trhu. <\/strong>Pokud v\u00e1m nap\u0159\u00edklad kon\u010d\u00ed doba fixace pr\u00e1v\u011b letos a pl\u00e1nujete refinancovat, mus\u00edte po\u010d\u00edtat s vy\u0161\u0161\u00edmi \u00faroky, kter\u00e9 povedou i k vy\u0161\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky hypot\u00e9ky.<\/p>\n\n\n

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Refinancov\u00e1n\u00ed hypot\u00e9ky v roce 2025<\/h3>

V dne\u0161n\u00ed dob\u011b toti\u017e ji\u017e\u00a0\u00farokov\u00e9 sazby u v\u011bt\u0161iny bank p\u0159ekro\u010dily 4% hranici,<\/strong>\u00a0co\u017e je rozd\u00edl zhruba 2% v porovn\u00e1n\u00ed p\u0159ed p\u011bti lety. Odborn\u00edci p\u0159edpov\u00eddaj\u00ed, \u017ee tento r\u016fst se nezpomal\u00ed ani v bl\u00edzk\u00e9 budoucnosti,\u00a0\u00farokov\u00e9 sazby hypot\u00e9k by se tak m\u011bly vy\u0161plhat a\u017e na 7%.<\/strong><\/p>\n

S neust\u00e1le rostouc\u00edmi cenami za energie a tak\u00e9 rostouc\u00edmi cenami stavebn\u00edch mater\u00e1l\u016f, se\u00a0n\u00e1klady na bydlen\u00ed v roce <\/strong>2025\u00a0dom\u00e1cnostech v\u00fdrazn\u011b prodra\u017e\u00ed.<\/p><\/div>\n\n\n

Pokud v\u00e1m kon\u010d\u00ed fixace va\u0161\u00ed star\u00e9 hypot\u00e9ky v roce 2025<\/strong> bude to vy\u017eadovat d\u016fkladn\u00fd pr\u016fzkum v\u0161ech nab\u00eddek na trhu. St\u00e1le m\u016f\u017eete narazit na velmi v\u00fdhodn\u00e9 nab\u00eddky. Vzhledem k aktu\u00e1ln\u00ed p\u0159edpov\u011bdi v\u00fdvoje na trhu s finan\u010dn\u00edmi produkty byste v\u0161ak refinancov\u00e1n\u00ed m\u011bli prov\u00e9st, co nejd\u0159\u00edve.<\/p>\n\n\n

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Co je fixace hypot\u00e9ky?<\/h3>

Jedn\u00e1 se o obdob\u00ed po kter\u00e9 plat\u00ed konkr\u00e9tn\u011b dohodnut\u00e1 v\u00fd\u0161e \u00farokov\u00e9 sazby<\/strong> u \u00fav\u011br\u016f na bydlen\u00ed. D\u00e9lka tohoto obdob\u00ed se dohaduje p\u0159i sjedn\u00e1v\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru a je p\u0159edem pevn\u011b stanovena. Obvykle je d\u00e9lka fixace hypote\u010dn\u00edho \u00fav\u011bru, 3, 5 nebo 10 let.<\/p><\/div>\n\n\n

Jak funguje refinancov\u00e1n\u00ed hypot\u00e9ky?<\/h2>\n\n\n\n

Refinancov\u00e1n\u00ed hypot\u00e9ky <\/strong>bychom mohli p\u0159irovnat ke konsolidaci p\u016fj\u010dek<\/a>. V p\u0159\u00edpad\u011b konsolidace se v\u0161ak jedn\u00e1 o slou\u010den\u00ed v\u00edce p\u016fj\u010dek do jedn\u00e9. P\u0159i refinancov\u00e1n\u00ed se jedn\u00e1 pouze o jednu p\u016fj\u010dku, v tomto p\u0159\u00edpad\u011b o hypote\u010dn\u00ed \u00fav\u011br, jemu\u017e kon\u010d\u00ed doba fixace \u00farokov\u00e9 sazby.<\/p>\n\n\n\n

V p\u0159\u00edpad\u011b refinancov\u00e1n\u00ed banka v\u00e1\u0161 p\u016fvodn\u00ed \u00fav\u011br splat\u00ed a nab\u00eddne v\u00e1m nov\u00fd<\/strong> s odli\u0161n\u00fdmi podm\u00ednkami. Vy si v\u0161ak m\u016f\u017eete vybrat, jestli tuto nab\u00eddku p\u0159ijmete nebo se rozhl\u00e9dnete i po nab\u00eddk\u00e1ch jin\u00fdch bank. V\u0161e z\u00e1vis\u00ed na v\u00e1s a na tom, kde v\u00e1m nab\u00eddnou v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky.<\/p>\n\n\n

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Jak jsme ji\u017e zmi\u0148ovali refinancov\u00e1n\u00ed hypot\u00e9ky, ur\u010dit\u011b nen\u00ed n\u011bco, co by se mohlo odkl\u00e1dat. Nejlep\u0161\u00ed je za\u010d\u00edt nad refinancov\u00e1n\u00edm p\u0159em\u00fd\u0161let co nejd\u0159\u00edve. Ide\u00e1ln\u00ed doba je zejm\u00e9na 3 a\u017e 4 m\u011bs\u00edce p\u0159ed koncem fixa\u010dn\u00edho obdob\u00ed va\u0161\u00ed hypot\u00e9ky.<\/strong><\/p><\/div>\n\n\n

Refinancov\u00e1n\u00ed hypot\u00e9ky v dob\u011b fixace<\/h3>\n\n\n\n

Sv\u016fj hypote\u010dn\u00ed \u00fav\u011br m\u016f\u017eete refinancovat<\/strong> kdykoli<\/strong>, tak\u00e9 v obdob\u00ed fixace. Z\u00e1kon toti\u017e d\u00e1v\u00e1 mo\u017enost splatit hypot\u00e9ku kdykoli. Banka v\u0161ak od v\u00e1s m\u016f\u017ee po\u017eadovat poplatek na \u00fahradu \u00fa\u010deln\u011b vynalo\u017een\u00fdch n\u00e1klad\u016f, kter\u00e9 ji vzniknou v souvislosti s p\u0159ed\u010dasn\u00fdm splacen\u00edm.<\/p>\n\n\n\n

Banka si toti\u017e k tomu, aby mohla poskytnout hypot\u00e9ku klientovi, p\u016fj\u010duje u jin\u00e9 banky, za co\u017e samoz\u0159ejm\u011b t\u00e9to bance plat\u00ed \u00farok. V p\u0159\u00edpad\u011b, \u017ee se klient rozhodne pro refinancov\u00e1n\u00ed a odejde k jin\u00e9mu poskytovateli, banka ztr\u00e1c\u00ed.<\/strong><\/p>\n\n\n

Refinancov\u00e1n\u00ed hypot\u00e9ky postup<\/h3>

Na Financera.cz jsme pro v\u00e1s shrnuli, jak postupovat krok po kroku p\u0159i refinancov\u00e1n\u00ed hypot\u00e9ky v roce 2025.<\/p><\/div>