{"id":1107,"date":"2021-11-22T10:19:13","date_gmt":"2021-11-22T09:19:13","guid":{"rendered":"https:\/\/www.jiri-kovar.cz\/?page_id=1107"},"modified":"2025-09-05T08:08:57","modified_gmt":"2025-09-05T06:08:57","slug":"chci-snizit-preplatek-na-hypo","status":"publish","type":"page","link":"https:\/\/www.jiri-kovar.cz\/index.php\/chci-snizit-preplatek-na-hypo\/","title":{"rendered":"Chci sn\u00ed\u017eit p\u0159eplatek na HYPO"},"content":{"rendered":"[vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ color_overlay=“#282e34″ overlay_strength=“1″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ top_padding=“5%“ bottom_padding=“5%“ color_overlay=“#d8d8d8″ overlay_strength=“0.3″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/2″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][nectar_animated_title heading_tag=“h6″ style=“color-strip-reveal“ color=“Accent-Color“ text=“P\u0159idejte se k n\u00e1m“][vc_column_text css=“.vc_custom_1648453554628{padding-right: 5% !important;padding-bottom: 3% !important;}“]\n

Chcete sn\u00ed\u017eit p\u0159eplatek na hypote\u010dn\u00edm \u00fav\u011bru?<\/h2>\n[\/vc_column_text][vc_column_text css=“.vc_custom_1648453562205{margin-bottom: 30px !important;padding-right: 10% !important;}“ max_width=“550″]P\u0159eplatek na hypote\u010dn\u00edm \u00fav\u011bru je v\u011bt\u0161inou v \u0159\u00e1du statis\u00edc\u016f. Spole\u010dn\u011b zefektivn\u00edme Va\u0161e finance a p\u0159eplatek V\u00e1m sn\u00ed\u017e\u00edm na minimum. U\u0161et\u0159\u00edte, a je\u0161t\u011b si zkr\u00e1t\u00edte hypot\u00e9ku v pr\u016fm\u011bru o 10 let.[\/vc_column_text][image_with_animation image_url=“1216″ alignment=““ animation=“None“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“75%“ max_width_mobile=“default“][vc_column_text css=“.vc_custom_1648453569587{margin-bottom: 30px !important;padding-right: 10% !important;}“ max_width=“550″]Pro Va\u0161i p\u0159edstavu \u2013 na hypot\u00e9ce ve v\u00fd\u0161i\u00a04 000 000\u00a0K\u010d, kde je rozd\u00edl na\u00a0\u00farokov\u00e9 sazb\u011b 0,3 % p. a., je v\u00fd\u0161e p\u0159eplatku\u00a0216 000 K\u010d.<\/b>[\/vc_column_text][\/vc_column][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/4″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][fancy_box box_style=“color_box_hover“ icon_family=“iconsmind“ color=“accent-color“ box_alignment=“left“ enable_border=“true“ border_radius=“default“ image_loading=“lazy-load“ color_scheme=“dark“ secondary_content=“here’s some awesome text that would only be shown on hover“ icon_iconsmind=“iconsmind-Timer“ min_height=“300″ link_url=“https:\/\/www.jiri-kovar.cz\/index.php\/chci-snizit-preplatek-na-hypo\/#fixace“]\n

Pro ty, kter\u00fdm kon\u010d\u00ed fixace<\/h3>\n

3 roky dop\u0159edu m\u016f\u017eete refinancovat dokonce bez sankce ze strany banky<\/p>\n

 [\/fancy_box][\/vc_column][vc_column centered_text=“true“ column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/4″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][fancy_box box_style=“color_box_hover“ icon_family=“iconsmind“ color=“accent-color“ box_alignment=“left“ enable_border=“true“ border_radius=“default“ image_loading=“lazy-load“ color_scheme=“dark“ secondary_content=“here’s some awesome text that would only be shown on hover“ icon_iconsmind=“iconsmind-Mail-Money“ min_height=“300″ link_url=“https:\/\/www.jiri-kovar.cz\/index.php\/chci-snizit-preplatek-na-hypo\/#preplatek“]\n

Sn\u00ed\u017een\u00ed p\u0159eplatku na \u00fav\u011bru<\/h3>\n

smyslem je u\u0161et\u0159it statis\u00edce a je\u0161t\u011b si zkr\u00e1tit hypot\u00e9ku o \u0159adu let<\/p>\n

 [\/fancy_box][\/vc_column][\/vc_row][vc_row type=“in_container“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“custom“ custom_text_color=“#0a0a0a“ text_align=“left“ top_padding=“8%“ id=“fixace“ overlay_strength=“0.3″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/2″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][nectar_animated_title heading_tag=“h6″ style=“color-strip-reveal“ color=“Accent-Color“ text=“Nov\u00e9 fixa\u010dn\u00ed obdob\u00ed“][vc_column_text css=“.vc_custom_1648453593824{padding-right: 5% !important;padding-bottom: 3% !important;}“]\n

Pro ty, kter\u00fdm kon\u010d\u00ed fixace<\/h2>\n[\/vc_column_text][vc_column_text css=“.vc_custom_1754634602846{margin-bottom: 30px !important;padding-right: 10% !important;}“ max_width=“550″]Pokud\u00a0jste si vzali v minulosti \u00fav\u011br a nyn\u00ed m\u00e1te pocit, \u017ee by to mohlo b\u00fdt levn\u011bj\u0161\u00ed, st\u00e1vaj\u00edc\u00ed \u00fav\u011br m\u016f\u017eete refinancovat. V dne\u0161n\u00ed dob\u011b lze refinancovat hypot\u00e9ku a\u017e 3 roky dop\u0159edu za aktu\u00e1ln\u00ed \u00farokovou sazbu. To znamen\u00e1, \u017ee si dnes m\u016f\u017eete sjednat podm\u00ednky pro nov\u00fd fix na dal\u0161\u00ed 3 roky, na kter\u00e9 se nav\u00e1\u017ee po skon\u010den\u00ed sou\u010dasn\u00e9 fixace. Banka V\u00e1m automaticky nab\u00edz\u00ed novou \u00farokovou sazbu na dal\u0161\u00ed obdob\u00ed ve 3m\u011bs\u00ed\u010dn\u00ed lh\u016ft\u011b p\u0159ed uplynut\u00edm fixace.<\/p>\n

Velk\u00fd probl\u00e9m ale nast\u00e1v\u00e1, jestli\u017ee V\u00e1m kon\u010d\u00ed fixace a \u00farokov\u00e9 sazby jsou na vysok\u00e9 \u00farovni. To je \u010dast\u00fd p\u0159\u00edpad posledn\u00ed doby. Lid\u00e9, kte\u0159\u00ed si brali hypote\u010dn\u00ed \u00fav\u011br v roce 2017 se bl\u00ed\u017e\u00ed konci fixace. P\u0159i zalo\u017een\u00ed byla \u00farokov\u00e1 sazby 1,79 % p. a., dnes je ov\u0161em okolo 4,2 % p. a.[\/vc_column_text][image_with_animation image_url=“1298″ alignment=““ animation=“None“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“75%“ max_width_mobile=“default“][vc_column_text css=“.vc_custom_1648453623060{margin-bottom: 30px !important;padding-right: 10% !important;}“ max_width=“550″]Standardn\u011b pro klienty zaji\u0161\u0165uji refinancov\u00e1n\u00ed za co nejni\u017e\u0161\u00ed sazby na trhu, kdy oslov\u00edme v\u0161echny banky v\u010detn\u011b Va\u0161\u00ed st\u00e1vaj\u00edc\u00ed. V\u0161e spole\u010dn\u011b probereme a p\u0159iprav\u00edme, a\u0165 u\u017e kon\u010d\u00ed fixace za 3 m\u011bs\u00edce nebo za 2 roky, sv\u00fdm klient\u016fm v\u0161ak doporu\u010duji tuto ot\u00e1zku \u0159e\u0161it v\u017edy v p\u0159edstihu.\u00a0Spo\u010d\u00edt\u00e1m V\u00e1m, kolik t\u00edm u\u0161et\u0159\u00edte a jak si sn\u00ed\u017e\u00edte spl\u00e1tku, zkr\u00e1t\u00edte dobu spl\u00e1cen\u00ed nebo oboje sou\u010dasn\u011b. Hlavn\u00ed my\u0161lenkou je sn\u00ed\u017eit p\u0159eplatek na hypote\u010dn\u00edm \u00fav\u011bru na maximum, tedy naj\u00edt to nejlep\u0161\u00ed \u0159e\u0161en\u00ed pr\u00e1v\u011b pro V\u00e1s.[\/vc_column_text][\/vc_column][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/2″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][nectar_animated_title heading_tag=“h6″ style=“color-strip-reveal“ color=“Accent-Color“ text=“Nov\u00fd hypote\u010dn\u00ed \u00fav\u011br“][vc_column_text css=“.vc_custom_1648453641558{padding-right: 5% !important;padding-bottom: 3% !important;}“]\n

Sn\u00ed\u017een\u00ed p\u0159eplatku na hypote\u010dn\u00edm \u00fav\u011bru<\/h2>\n[\/vc_column_text][vc_column_text css=“.vc_custom_1648453660069{margin-bottom: 30px !important;padding-right: 10% !important;}“ max_width=“550″]Uva\u017eujete o hypote\u010dn\u00edm \u00fav\u011bru pro financov\u00e1n\u00ed Va\u0161\u00ed nemovitosti? P\u0159eplatek na hypote\u010dn\u00edm \u00fav\u011bru by pro V\u00e1s m\u011bl b\u00fdt jeden z nejd\u016fle\u017eit\u011bj\u0161\u00edch parametr\u016f \u00fav\u011bru p\u0159i v\u00fdb\u011bru banky, m\u016f\u017ee se jednat o p\u0159epl\u00e1cen\u00ed statis\u00edc\u016f p\u0159i v\u00fdb\u011bru nespr\u00e1vn\u00e9 banky.\u00a0Pro klienty hled\u00e1m nejlep\u0161\u00ed variantu, jak sn\u00ed\u017eit p\u0159eplatek a zkr\u00e1tit dobu hypote\u010dn\u00edho \u00fav\u011bru.<\/p>\n

Nab\u00eddky ka\u017ed\u00e9 jedn\u00e9 banky se mohou li\u0161it a nen\u00ed snadn\u011b se ve v\u0161ech mo\u017enostech vyznat, proto\u017ee \u010dasto je t\u0159eba \u010d\u00edst mezi \u0159\u00e1dky. Co na prvn\u00ed pohled vypad\u00e1 jako spr\u00e1vn\u00e1 volba, nemus\u00ed b\u00fdt ide\u00e1ln\u00ed mo\u017enost\u00ed pr\u00e1v\u011b pro V\u00e1s.<\/p>\n

Smyslem je u\u0161et\u0159it maximum finan\u010dn\u00edch prost\u0159edk\u016f<\/b>[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ top_padding=“3%“ overlay_strength=“0.3″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“774″ alignment=“right“ animation=“None“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"

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