{"id":518,"date":"2021-03-08T11:38:22","date_gmt":"2021-03-08T10:38:22","guid":{"rendered":"https:\/\/www.jiri-kovar.cz\/?page_id=518"},"modified":"2025-06-09T14:42:26","modified_gmt":"2025-06-09T12:42:26","slug":"refinancovani-a-konsolidace","status":"publish","type":"page","link":"https:\/\/www.jiri-kovar.cz\/index.php\/refinancovani-a-konsolidace\/","title":{"rendered":"Refinancov\u00e1n\u00ed a konsolidace"},"content":{"rendered":"[vc_row type=&#8220;in_container&#8220; full_screen_row_position=&#8220;middle&#8220; column_margin=&#8220;default&#8220; scene_position=&#8220;center&#8220; text_color=&#8220;dark&#8220; text_align=&#8220;left&#8220; top_padding=&#8220;10%&#8220; overlay_strength=&#8220;0.3&#8243; shape_divider_position=&#8220;bottom&#8220; bg_image_animation=&#8220;none&#8220; shape_type=&#8220;&#8220;][vc_column column_padding=&#8220;no-extra-padding&#8220; column_padding_position=&#8220;all&#8220; background_color_opacity=&#8220;1&#8243; background_hover_color_opacity=&#8220;1&#8243; column_link_target=&#8220;_self&#8220; column_shadow=&#8220;none&#8220; column_border_radius=&#8220;none&#8220; width=&#8220;1\/1&#8243; tablet_width_inherit=&#8220;default&#8220; tablet_text_alignment=&#8220;default&#8220; phone_text_alignment=&#8220;default&#8220; overlay_strength=&#8220;0.3&#8243; column_border_width=&#8220;none&#8220; column_border_style=&#8220;solid&#8220; bg_image_animation=&#8220;none&#8220;][vc_custom_heading text=&#8220;Refinancov\u00e1n\u00ed a konsolidace&#8220; font_container=&#8220;tag:h1|text_align:center|color:%23000000&#8243; use_theme_fonts=&#8220;yes&#8220;][divider line_type=&#8220;Small Line&#8220; line_alignment=&#8220;center&#8220; line_thickness=&#8220;1&#8243; divider_color=&#8220;extra-color-3&#8243; custom_height=&#8220;80&#8243; custom_line_width=&#8220;70&#8243;][vc_custom_heading text=&#8220;Vzali jste si v minulosti \u00fav\u011br a m\u00e1te pocit, \u017ee by to mohlo b\u00fdt levn\u011bj\u0161\u00ed? St\u00e1vaj\u00edc\u00ed \u00fav\u011br m\u016f\u017eete refinancovat. Spo\u010d\u00edt\u00e1m V\u00e1m, kolik t\u00edm u\u0161et\u0159\u00edte a jak se V\u00e1m sn\u00ed\u017e\u00ed spl\u00e1tka nebo dobu spl\u00e1cen\u00ed. Sv\u00fdm klient\u016fm zaji\u0161\u0165uji refinancov\u00e1n\u00ed hypot\u00e9ky a\u017e 3 roky dop\u0159edu za aktu\u00e1ln\u00ed \u00farokovou sazbu.&#8220; font_container=&#8220;tag:h3|text_align:center|color:%23ec4d53&#8243; use_theme_fonts=&#8220;yes&#8220;][\/vc_column][\/vc_row][vc_row type=&#8220;full_width_background&#8220; full_screen_row_position=&#8220;middle&#8220; column_margin=&#8220;default&#8220; bg_image=&#8220;626&#8243; bg_position=&#8220;left bottom&#8220; bg_repeat=&#8220;no-repeat&#8220; scene_position=&#8220;center&#8220; text_color=&#8220;light&#8220; text_align=&#8220;left&#8220; top_padding=&#8220;7%&#8220; bottom_padding=&#8220;7%&#8220; id=&#8220;hypotekanabyt&#8220; color_overlay=&#8220;rgba(40,46,52,0.08)&#8220; overlay_strength=&#8220;0.95&#8243; shape_divider_position=&#8220;bottom&#8220; bg_image_animation=&#8220;none&#8220; shape_type=&#8220;&#8220;][vc_column column_padding=&#8220;padding-3-percent&#8220; column_padding_position=&#8220;right&#8220; background_color_opacity=&#8220;1&#8243; background_hover_color_opacity=&#8220;1&#8243; column_link_target=&#8220;_self&#8220; column_shadow=&#8220;none&#8220; column_border_radius=&#8220;none&#8220; width=&#8220;1\/2&#8243; tablet_width_inherit=&#8220;default&#8220; tablet_text_alignment=&#8220;default&#8220; phone_text_alignment=&#8220;default&#8220; overlay_strength=&#8220;0.3&#8243; column_border_width=&#8220;none&#8220; column_border_style=&#8220;solid&#8220; bg_image_animation=&#8220;none&#8220;][vc_custom_heading text=&#8220;.&#8220; font_container=&#8220;tag:h2|font_size:30|text_align:left|color:%23ec4d53&#8243; google_fonts=&#8220;font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:300%20light%20regular%3A300%3Anormal&#8220; css=&#8220;.vc_custom_1631625076832{padding-top: 10% !important;}&#8220;][vc_custom_heading text=&#8220;Refinancov\u00e1n\u00ed hypot\u00e9ky&#8220; font_container=&#8220;tag:h2|font_size:55|text_align:left|color:%23003a5b|line_height:1.2em&#8220; google_fonts=&#8220;font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:600%20bold%20regular%3A600%3Anormal&#8220;][vc_column_text css=&#8220;.vc_custom_1647247367367{padding-top: 5% !important;}&#8220;]\n<div class=\"page\" title=\"Page 6\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p><span style=\"color: #333333;\">Spla\u0301ci\u0301te hypotec\u030cni\u0301 u\u0301ve\u030cr a ra\u0301di byste us\u030cetr\u030cili na me\u030csi\u0301c\u030cni\u0301 spla\u0301tce nebo na cele\u0301m u\u0301ve\u030cru? Hleda\u0301te zpu\u030asob, jak si sni\u0301z\u030cit me\u030csi\u0301c\u030cni\u0301 spla\u0301tku? Pokud ma\u0301te hypote\u0301ku, mu\u030az\u030cete refinancovat bud\u030c hned nebo dokonce az\u030c 3 roky dopr\u030cedu.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][\/vc_column][vc_column centered_text=&#8220;true&#8220; column_padding=&#8220;no-extra-padding&#8220; column_padding_position=&#8220;all&#8220; background_color_opacity=&#8220;1&#8243; background_hover_color_opacity=&#8220;1&#8243; column_link_target=&#8220;_self&#8220; column_shadow=&#8220;none&#8220; column_border_radius=&#8220;none&#8220; width=&#8220;1\/2&#8243; tablet_width_inherit=&#8220;default&#8220; tablet_text_alignment=&#8220;default&#8220; phone_text_alignment=&#8220;default&#8220; overlay_strength=&#8220;0.3&#8243; column_border_width=&#8220;none&#8220; column_border_style=&#8220;solid&#8220; bg_image_animation=&#8220;none&#8220;][image_with_animation image_url=&#8220;954&#8243; alignment=&#8220;&#8220; animation=&#8220;Fade In&#8220; hover_animation=&#8220;none&#8220; border_radius=&#8220;none&#8220; box_shadow=&#8220;none&#8220; image_loading=&#8220;default&#8220; max_width=&#8220;100%&#8220; max_width_mobile=&#8220;default&#8220;][\/vc_column][\/vc_row][vc_row type=&#8220;full_width_background&#8220; full_screen_row_position=&#8220;middle&#8220; column_margin=&#8220;default&#8220; scene_position=&#8220;center&#8220; text_color=&#8220;custom&#8220; custom_text_color=&#8220;#0c0c0c&#8220; text_align=&#8220;left&#8220; top_padding=&#8220;7%&#8220; bottom_padding=&#8220;7%&#8220; id=&#8220;hypotekanabyt&#8220; overlay_strength=&#8220;0.95&#8243; shape_divider_position=&#8220;bottom&#8220; bg_image_animation=&#8220;none&#8220; shape_type=&#8220;&#8220;][vc_column column_padding=&#8220;no-extra-padding&#8220; column_padding_position=&#8220;left-right&#8220; background_color_opacity=&#8220;1&#8243; background_hover_color_opacity=&#8220;1&#8243; column_link_target=&#8220;_self&#8220; column_shadow=&#8220;none&#8220; column_border_radius=&#8220;none&#8220; width=&#8220;1\/2&#8243; tablet_width_inherit=&#8220;default&#8220; tablet_text_alignment=&#8220;default&#8220; phone_text_alignment=&#8220;default&#8220; overlay_strength=&#8220;0.3&#8243; column_border_width=&#8220;none&#8220; column_border_style=&#8220;solid&#8220; bg_image_animation=&#8220;none&#8220;][vc_column_text]<span style=\"color: #333333;\"><b>Co je refinancov\u00e1n\u00ed hypot\u00e9ky?<\/b><\/span><\/p>\n<div class=\"page\" title=\"Page 6\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p>Refinancova\u0301ni\u0301 hypote\u0301ky znamena\u0301 splaceni\u0301 hypotec\u030cni\u0301ho u\u0301ve\u030cru u Vas\u030ci\u0301 sta\u0301vaji\u0301ci\u0301 banky nove\u030c sjednanou hypote\u0301kou u jine\u0301 banky. Nejc\u030caste\u030cji se refinancuje pro vy\u0301razne\u030c niz\u030cs\u030ci\u0301 u\u0301rokovou sazbu nebo vy\u0301hodne\u030cjs\u030ci\u0301 podmi\u0301nky. V okamz\u030ciku refinancova\u0301ni\u0301 hypote\u0301ky si mu\u030az\u030cete take\u0301 napr\u030ci\u0301klad navy\u0301s\u030cit hypote\u0301ku (jistinu u\u0301ve\u030cru), prodlouz\u030cit nebo naopak zkra\u0301tit dobu splatnosti u\u0301ve\u030cru nebo take\u0301 zdarma dluh c\u030ca\u0301stec\u030cne\u030c splatit a pr\u030ceve\u0301st mens\u030ci\u0301 hypote\u0301ku k nove\u0301 bance. Pru\u030abe\u030ch refinancova\u0301ni\u0301 hypote\u0301ky je jako kdyz\u030c z\u030ca\u0301da\u0301te o novy\u0301 hypotec\u030cni\u0301 u\u0301ve\u030cr.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><span style=\"color: #333333;\"><b>Nemus\u00edte se ob\u00e1vat pokut a pen\u00e1le<\/b><\/span><\/p>\n<div class=\"page\" title=\"Page 6\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p>Pokud se rozhodnete refinancovat hypote\u0301ku ke konci sjednane\u0301 doby fixace, nemusi\u0301te se oba\u0301vat z\u030ca\u0301dny\u0301ch pokut c\u030ci pena\u0301le. Va\u0301s\u030c za\u0301me\u030cr stac\u030ci\u0301 sta\u0301vaji\u0301ci\u0301 bance ozna\u0301mit nejme\u0301ne\u030c 30 dni\u0301 pr\u030ced vyprs\u030ceni\u0301m fixace u\u0301ve\u030cru. Ze za\u0301kona ma\u0301te pra\u0301vo splatit celou hypote\u0301ku i mimo obdobi\u0301 fixace. Poc\u030ci\u0301tejte s ti\u0301m, z\u030ce Va\u0301m banka mu\u030az\u030ce u\u0301c\u030ctovat u\u0301c\u030celne\u030c vynaloz\u030cene\u0301 na\u0301klady souviseji\u0301ci\u0301 s pr\u030cedc\u030casny\u0301m splaceni\u0301m u\u0301ve\u030cru na bydleni\u0301. U ve\u030cts\u030ciny bank navi\u0301c se aktua\u0301lne\u030c jedna\u0301 o vy\u0301daj v r\u030ca\u0301du ne\u030ckolika stokorun. Refinancova\u0301ni\u0301 tak mu\u030az\u030ce by\u0301t vhodne\u0301 i mimo fixac\u030cni\u0301 obdobi\u0301.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><span style=\"color: #333333;\"><b>Mezi \u00fa\u010deln\u011b vynalo\u017een\u00e9 n\u00e1klady pat\u0159\u00ed nap\u0159\u00edklad:<\/b><\/span><\/p>\n<div class=\"page\" title=\"Page 6\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<ul>\n<li>Administrativni\u0301 na\u0301klady (napr\u030c. spotr\u030cebovany\u0301 kancela\u0301r\u030csky\u0301 materia\u0301l, pos\u030ctovne\u0301, telefonni\u0301 poplatky, apod.)<\/li>\n<li>Mzdove\u0301 na\u0301klady na zame\u030cstnance, ktery\u0301 vyr\u030cizuje vas\u030ci z\u030ca\u0301dost o pr\u030cedc\u030casne\u0301 splaceni\u0301 hypote\u0301ky<\/li>\n<li>Poplatky placene\u0301 katastru nemovitosti\u0301<\/li>\n<li>Pr\u030ci\u0301padne\u0301 poplatky za nutne\u0301 nota\u0301r\u030cske\u0301 u\u0301kony<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p>Pr\u030ci refinancova\u0301ni\u0301 stare\u0301 hypote\u0301ky se nemusi\u0301te oba\u0301vat ani toho, z\u030ce po Va\u0301s bude pu\u030avodni\u0301 banka vyz\u030cadovat splaceni\u0301 us\u030cly\u0301ch u\u0301roku\u030a c\u030ci u\u0301hradu provize vyplacene\u0301<br \/>\nzprostr\u030cedkovateli hypote\u0301ky. Tyto na\u0301klady si banky ze za\u0301kona u\u0301c\u030ctovat nemohou.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"page\" title=\"Page 7\"><img decoding=\"async\" src=\"data:image\/png;base64,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\" alt=\"page7image642943424\" width=\"456.480000\" height=\"30.480000\" \/><\/div>\n[\/vc_column_text][\/vc_column][vc_column column_padding=&#8220;no-extra-padding&#8220; column_padding_position=&#8220;all&#8220; background_color_opacity=&#8220;1&#8243; background_hover_color_opacity=&#8220;1&#8243; column_link_target=&#8220;_self&#8220; column_shadow=&#8220;none&#8220; column_border_radius=&#8220;none&#8220; width=&#8220;1\/2&#8243; tablet_width_inherit=&#8220;default&#8220; tablet_text_alignment=&#8220;default&#8220; phone_text_alignment=&#8220;default&#8220; overlay_strength=&#8220;0.3&#8243; column_border_width=&#8220;none&#8220; column_border_style=&#8220;solid&#8220; bg_image_animation=&#8220;none&#8220; offset=&#8220;vc_hidden-xs&#8220;][image_with_animation image_url=&#8220;955&#8243; alignment=&#8220;&#8220; animation=&#8220;Fade In&#8220; hover_animation=&#8220;none&#8220; border_radius=&#8220;none&#8220; box_shadow=&#8220;none&#8220; image_loading=&#8220;default&#8220; max_width=&#8220;100%&#8220; max_width_mobile=&#8220;default&#8220;][\/vc_column][\/vc_row][vc_row type=&#8220;full_width_background&#8220; full_screen_row_position=&#8220;middle&#8220; column_margin=&#8220;default&#8220; bg_color=&#8220;#f7f7f7&#8243; scene_position=&#8220;center&#8220; text_color=&#8220;dark&#8220; text_align=&#8220;left&#8220; top_padding=&#8220;7%&#8220; bottom_padding=&#8220;7%&#8220; id=&#8220;hypotekanarodinnydum&#8220; overlay_strength=&#8220;0.95&#8243; shape_divider_position=&#8220;bottom&#8220; bg_image_animation=&#8220;none&#8220; shape_type=&#8220;&#8220;][vc_column centered_text=&#8220;true&#8220; column_padding=&#8220;no-extra-padding&#8220; column_padding_position=&#8220;left-right&#8220; background_color_opacity=&#8220;1&#8243; background_hover_color_opacity=&#8220;1&#8243; column_link_target=&#8220;_self&#8220; column_shadow=&#8220;none&#8220; column_border_radius=&#8220;none&#8220; width=&#8220;1\/1&#8243; tablet_width_inherit=&#8220;default&#8220; tablet_text_alignment=&#8220;default&#8220; phone_text_alignment=&#8220;default&#8220; overlay_strength=&#8220;0.3&#8243; column_border_width=&#8220;none&#8220; column_border_style=&#8220;solid&#8220; bg_image_animation=&#8220;none&#8220;][vc_custom_heading text=&#8220;.&#8220; font_container=&#8220;tag:h2|font_size:30|text_align:center|color:%23ec4d53&#8243; google_fonts=&#8220;font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:300%20light%20regular%3A300%3Anormal&#8220;][vc_custom_heading text=&#8220;Konsolidace p\u016fj\u010dek a hypot\u00e9k&#8220; font_container=&#8220;tag:h2|font_size:55|text_align:center|color:%23003a5b&#8220; google_fonts=&#8220;font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:600%20bold%20regular%3A600%3Anormal&#8220;][vc_row_inner column_margin=&#8220;default&#8220; text_align=&#8220;left&#8220;][vc_column_inner column_padding=&#8220;no-extra-padding&#8220; column_padding_position=&#8220;left-right&#8220; background_color_opacity=&#8220;1&#8243; background_hover_color_opacity=&#8220;1&#8243; column_shadow=&#8220;none&#8220; column_border_radius=&#8220;none&#8220; column_link_target=&#8220;_self&#8220; width=&#8220;1\/1&#8243; tablet_width_inherit=&#8220;default&#8220; overlay_strength=&#8220;0.3&#8243; column_border_width=&#8220;none&#8220; column_border_style=&#8220;solid&#8220; bg_image_animation=&#8220;none&#8220;][vc_column_text css=&#8220;.vc_custom_1630311618187{padding-top: 5% !important;}&#8220;]<span style=\"color: #333333;\">Spl\u00e1c\u00edte v\u00edce \u00fav\u011br\u016f sou\u010dasn\u011b a r\u00e1di byste odes\u00edlali jen jednu spl\u00e1tku m\u011bs\u00ed\u010dn\u011b? Hled\u00e1te zp\u016fsob, jak si sn\u00ed\u017eit m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku? Pokud m\u00e1te hypot\u00e9ku a dal\u0161\u00ed p\u016fj\u010dky, m\u016f\u017eete si v\u0161echny \u00fav\u011bry slou\u010dit do jednoho.<\/span>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][divider line_type=&#8220;No Line&#8220; custom_height=&#8220;20&#8243;][image_with_animation image_url=&#8220;984&#8243; alignment=&#8220;center&#8220; animation=&#8220;Fade In&#8220; hover_animation=&#8220;none&#8220; border_radius=&#8220;none&#8220; box_shadow=&#8220;none&#8220; image_loading=&#8220;default&#8220; max_width=&#8220;75%&#8220; max_width_mobile=&#8220;default&#8220;][\/vc_column][\/vc_row][vc_row type=&#8220;full_width_background&#8220; full_screen_row_position=&#8220;middle&#8220; column_margin=&#8220;default&#8220; scene_position=&#8220;center&#8220; text_color=&#8220;custom&#8220; custom_text_color=&#8220;#0c0c0c&#8220; text_align=&#8220;left&#8220; top_padding=&#8220;7%&#8220; bottom_padding=&#8220;12%&#8220; id=&#8220;hypotekanabyt&#8220; overlay_strength=&#8220;0.95&#8243; shape_divider_position=&#8220;bottom&#8220; bg_image_animation=&#8220;none&#8220; shape_type=&#8220;&#8220;][vc_column column_padding=&#8220;no-extra-padding&#8220; column_padding_position=&#8220;left-right&#8220; background_color_opacity=&#8220;1&#8243; background_hover_color_opacity=&#8220;1&#8243; column_link_target=&#8220;_self&#8220; column_shadow=&#8220;none&#8220; column_border_radius=&#8220;none&#8220; width=&#8220;1\/2&#8243; tablet_width_inherit=&#8220;default&#8220; tablet_text_alignment=&#8220;default&#8220; phone_text_alignment=&#8220;default&#8220; overlay_strength=&#8220;0.3&#8243; column_border_width=&#8220;none&#8220; column_border_style=&#8220;solid&#8220; bg_image_animation=&#8220;none&#8220;][vc_column_text]<span style=\"color: #333333;\"><b>Co je to konsolidace?<\/b><\/span><\/p>\n<div class=\"page\" title=\"Page 7\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p>Pr\u030cedstavte si, z\u030ce spla\u0301ci\u0301te pu\u030ajc\u030cku na auto, spotr\u030cebitelsky\u0301 u\u0301ve\u030cr na novou kuchyn\u030c a hypote\u0301ku na byt nebo du\u030am. V tomto pr\u030ci\u0301pade\u030c ma\u0301te tr\u030ci u\u0301ve\u030crove\u0301 smlouvy\u00a0s ru\u030azny\u0301mi podmi\u0301nkami, tr\u030ci ru\u030azne\u030c vysoke\u0301 spla\u0301tky a tr\u030ci termi\u0301ny splatnosti.\u00a0S kaz\u030cdou smlouvou mohou by\u0301t navi\u0301c spojeny dals\u030ci\u0301 poplatky, napr\u030ci\u0301klad za vedeni\u0301 u\u0301ve\u030crove\u0301ho u\u0301c\u030ctu nebo pojis\u030cte\u030cni\u0301 u\u0301ve\u030cru. Pokud byste rade\u030cji spla\u0301celi vs\u030cechny u\u0301ve\u030cry a pu\u030ajc\u030cky v jedne\u0301 spla\u0301tce, mu\u030az\u030cete si k hypote\u0301ce pr\u030cibrat sluz\u030cbu konsolidace nebo konsolidovat pouze pu\u030ajc\u030cky. Banka jednodus\u030ce spoji\u0301 vs\u030cechny Vas\u030ce u\u0301ve\u030cry do jednoho, c\u030ci\u0301mz\u030c zi\u0301ska\u0301te ve\u030cts\u030ci\u0301 pr\u030cehled o vas\u030cich financ\u030cni\u0301ch za\u0301vazci\u0301ch, a hlavne\u030c se Va\u0301m take\u0301 sni\u0301z\u030ci\u0301 me\u030csi\u0301c\u030cni\u0301 spla\u0301tka. Ti\u0301mto zpu\u030asobem mu\u030az\u030cete us\u030cetr\u030cit desi\u0301tky tisi\u0301c korun.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><span style=\"color: #333333;\">Konsolidovat lze spot\u0159ebitelsk\u00e9 \u00fav\u011bry i p\u016fj\u010dky od bankovn\u00edch i nebankovn\u00edch spole\u010dnost\u00ed. Banky u z\u00e1jemc\u016f o konsolidaci sleduj\u00ed nejen jejich bonitu, ale tak\u00e9 parametry v\u0161ech sjednan\u00fdch \u00fav\u011br\u016f a p\u016fj\u010dek (nap\u0159. v\u00fd\u0161i \u00farokov\u00e9 sazby, dobu splatnosti, v\u00fd\u0161i poplatk\u016f).<\/span><\/p>\n<p><span style=\"color: #333333;\"><b>V\u00fdhody konsolidace<\/b><\/span><\/p>\n<ul>\n<li><span style=\"color: #333333;\">U\u0161et\u0159it des\u00edtky tis\u00edc na \u00farok\u00e1ch, kter\u00e9 by jste zaplatili u sjednan\u00fdch \u00fav\u011br\u016f<\/span><\/li>\n<li><span style=\"color: #333333;\">V\u011bt\u0161\u00ed p\u0159ehled v\u00a0\u00fav\u011brov\u00fdch smlouv\u00e1ch<br \/>\n<\/span><\/li>\n<li><span style=\"color: #333333;\">Celkov\u00e1 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka je zpravidla ni\u017e\u0161\u00ed<\/span><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][vc_column column_padding=&#8220;no-extra-padding&#8220; column_padding_position=&#8220;all&#8220; background_color_opacity=&#8220;1&#8243; 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bg_image_animation=&#8220;none&#8220;][vc_custom_heading text=&#8220;Refinancov\u00e1n\u00edm m\u016f\u017eete u\u0161et\u0159it hodn\u011b pen\u011bz.&#8220; font_container=&#8220;tag:h3|font_size:30|text_align:center|line_height:1.2em&#8220; google_fonts=&#8220;font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:700%20bold%20regular%3A700%3Anormal&#8220; css=&#8220;.vc_custom_1635151349546{padding-top: 7% !important;}&#8220;][vc_custom_heading text=&#8220;Prvn\u00ed krok je na v\u00e1s, o zbytek se postar\u00e1m j\u00e1.&#8220; font_container=&#8220;tag:h3|font_size:22|text_align:center|line_height:1.2em&#8220; google_fonts=&#8220;font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:400%20regular%3A400%3Anormal&#8220; css=&#8220;.vc_custom_1635151353896{padding-bottom: 2% !important;}&#8220;][nectar_btn size=&#8220;large&#8220; button_style=&#8220;see-through-2&#8243; color_override=&#8220;#ffffff&#8220; hover_color_override=&#8220;#ffffff&#8220; 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