{"id":2246,"date":"2022-05-31T12:26:10","date_gmt":"2022-05-31T12:26:10","guid":{"rendered":"https:\/\/www.jiripec.cz\/?p=2246"},"modified":"2022-05-31T12:26:12","modified_gmt":"2022-05-31T12:26:12","slug":"ceka-vas-v-letosnim-roce-refinancovani-hypoteky-podivejte-se-o-kolik-se-muze-zvysit-vase-mesicni-splatka","status":"publish","type":"post","link":"https:\/\/www.jiripec.cz\/index.php\/2022\/05\/31\/ceka-vas-v-letosnim-roce-refinancovani-hypoteky-podivejte-se-o-kolik-se-muze-zvysit-vase-mesicni-splatka\/","title":{"rendered":"\u010cek\u00e1 v\u00e1s v leto\u0161n\u00edm roce refinancov\u00e1n\u00ed hypot\u00e9ky? Pod\u00edvejte se, o kolik se m\u016f\u017ee zv\u00fd\u0161it va\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Aktu\u00e1ln\u00ed zvy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb \u00fav\u011br\u016f na bydlen\u00ed se net\u00fdk\u00e1 pouze lid\u00ed, kte\u0159\u00ed aktu\u00e1ln\u011b hledaj\u00ed nov\u00e9 bydlen\u00ed. Zvy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb se t\u00fdk\u00e1 i t\u011bch, kte\u0159\u00ed hypot\u00e9ku ji\u017e maj\u00ed a bl\u00ed\u017e\u00ed se jim konec obdob\u00ed garantovan\u00e9 \u00farokov\u00e9 sazby. Podle odhad\u016f by m\u011bla v leto\u0161n\u00edm roce kon\u010dit v \u010cesk\u00e9 republice fixace u cca 40 000 hypot\u00e9k, co\u017e m\u016f\u017ee m\u00edt v\u00fdrazn\u00fd vliv na rodinn\u00e9 rozpo\u010dty<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010ce\u0161i v minul\u00fdch letech nej\u010dast\u011bji preferovali 5letou fixaci \u00farokov\u00fdch sazeb hypote\u010dn\u00edch \u00fav\u011br\u016f. P\u0159ed p\u011bti lety se hypot\u00e9ky b\u011b\u017en\u011b nab\u00edzely za \u00farokovou sazbu 1,89 %. Nyn\u00ed je ov\u0161em b\u011b\u017en\u00e1 sazba \u00fav\u011bru na bydlen\u00ed 5,89 % a nav\u00edc existuje velk\u00fd p\u0159edpoklad, \u017ee sazby je\u0161t\u011b porostou.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pro ty, kte\u0159\u00ed se nyn\u00ed na refinancov\u00e1n\u00ed p\u0159ipravuj\u00ed, jsme p\u0159ipravili t\u0159i modelov\u00e9 p\u0159\u00edklady, ze kter\u00fdch je patrn\u00e9, k jak vysok\u00e9mu nav\u00fd\u0161en\u00ed m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek, a t\u00edm p\u00e1dem zat\u00ed\u017een\u00ed rodinn\u00e9ho rozpo\u010dtu, m\u016f\u017ee doj\u00edt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Mlad\u00fd p\u00e1r s hypot\u00e9kou 2 mil. K\u010d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mlad\u00fd bezd\u011btn\u00fd p\u00e1r,kter\u00fd si v \u010dervnu 2017 kupoval byt za 2 500 000 K\u010d, financoval tuto nemovitost pomoc\u00ed hypot\u00e9ky ve v\u00fd\u0161i 2 000 000 K\u010d a se splatnost\u00ed 20 let. Sjedn\u00e1na byla \u00farokov\u00e1 sazba ve v\u00fd\u0161i 1,89 % s p\u011btiletou fixac\u00ed. M\u011bs\u00ed\u010dn\u00ed spl\u00e1tka vy\u0161la na 10 014 K\u010d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Po p\u011bti letech do\u0161lo ke splacen\u00ed jistiny v celkov\u00e9 v\u00fd\u0161i 431 559 K\u010d a doplatek \u00fav\u011bru tedy aktu\u00e1ln\u011b \u010din\u00ed 1 568 441 K\u010d. V p\u0159\u00edpad\u011b, \u017ee by do\u0161lo k uzav\u0159en\u00ed nov\u00e9ho hypote\u010dn\u00edho \u00fav\u011bru na zbylou \u010d\u00e1stku se splatnost\u00ed 15 let a \u00farokovou sazbou 5,89 %, op\u011bt s p\u011btiletou fixac\u00ed, vyjde nov\u00e1 spl\u00e1tka dr\u00e1\u017e o v\u00edce ne\u017e 30 % ne\u017e p\u0159ed p\u011bti lety, a to na 13 142 K\u010d m\u011bs\u00ed\u010dn\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Rodina s jedn\u00edm d\u00edt\u011btem a hypot\u00e9kou 5,4 mil. K\u010d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mlad\u00e1 rodina s jedn\u00edm d\u00edt\u011btem si zakoupila za\u010d\u00e1tkem l\u00e9ta 2017 rodinn\u00fd d\u016fm za 6 000 000 K\u010d. Ze sv\u00e9ho uhradili 600 000 K\u010d. Hypote\u010dn\u00ed \u00fav\u011br byl sjedn\u00e1n na 5 400 000 K\u010d s 25letou splatnost\u00ed, \u00farokovou sazbou 1,89 % a p\u011btiletou fixac\u00ed. Spl\u00e1tka vy\u0161la na 22 600 K\u010d m\u011bs\u00ed\u010dn\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Po p\u011bti letech spl\u00e1cen\u00ed do\u0161lo k \u00fahrad\u011b jistiny v celkov\u00e9 v\u00fd\u0161i 886 221 K\u010d a k doplacen\u00ed je\u0161t\u011b zb\u00fdv\u00e1 4 513 779 K\u010d. Spl\u00e1tka nov\u00e9 hypot\u00e9ky s p\u011btiletou fixac\u00ed, dobou spl\u00e1cen\u00ed 20 let a \u00farokovou sazbou 5,89 % vych\u00e1z\u00ed na 32 052 K\u010d m\u011bs\u00ed\u010dn\u011b. Rodina tedy bude muset ze sv\u00e9ho rozpo\u010dtu vydat na spl\u00e1tku \u00fav\u011bru na bydlen\u00ed o v\u00edce ne\u017e 40 % v\u00edce ne\u017e doposud.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Podnikatel\u00e9 se dv\u011bma d\u011btmi a hypot\u00e9kou na 10 mil. K\u010d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podnikatel\u00e9 se dv\u011bma d\u011btmi si po\u0159\u00eddili p\u0159ed p\u011bti lety rodinn\u00fd d\u016fm za 12 000 000 K\u010d. Ze sv\u00e9ho uhradili 2 mil. K\u010d a hypote\u010dn\u00ed \u00fav\u011br si vzali na rovn\u00fdch 10 mil. K\u010d se splatnost\u00ed 30 let, \u00farokovou sazbou 1,89 % a fixac\u00ed na 5 let. Garantovan\u00e1 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka vy\u0161la na 36 414 K\u010d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Po p\u011bti letech ov\u0161em bude pot\u0159eba po\u010d\u00edtat s vy\u0161\u0161\u00ed spl\u00e1tkou. Sice do\u0161lo za 5 let k \u00fahrad\u011b jistiny v celkov\u00e9 v\u00fd\u0161i 1 299 259 K\u010d, ale st\u00e1le k doplacen\u00ed \u00fav\u011bru z\u016fst\u00e1v\u00e1 8 700 741 K\u010d, co\u017e p\u0159i aktu\u00e1ln\u00ed \u00farokov\u00e9 sazb\u011b 5,89 % a s p\u011btiletou fixac\u00ed vych\u00e1z\u00ed na 55 475 K\u010d m\u011bs\u00ed\u010dn\u011b. M\u011bs\u00ed\u010dn\u00ed spl\u00e1tka se tak oproti p\u016fvodn\u00ed smlouv\u011b zv\u00fd\u0161\u00ed o v\u00edce ne\u017e 50 %.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ka\u017ed\u00fd, koho se t\u00fdk\u00e1 skon\u010den\u00ed fixace aktu\u00e1ln\u00edho hypote\u010dn\u00edho \u00fav\u011bru, by m\u011bl za\u010d\u00edt ji\u017e s p\u0159edstihem vyjedn\u00e1vat nov\u00e9 podm\u00ednky, a to nejen se svou sou\u010dasnou bankou, ale i s bankami ostatn\u00edmi. V\u00fdrazn\u011b m\u016f\u017ee pomoci osloven\u00ed zku\u0161en\u00e9ho hypote\u010dn\u00edho makl\u00e9\u0159e s mnohaletou prax\u00ed, kter\u00fd spolupracuje se v\u0161emi bankami. D\u00edky \u0161irok\u00e9mu rozsahu sv\u00fdch slu\u017eeb m\u016f\u017ee vybrat to nejoptim\u00e1ln\u011bj\u0161\u00ed \u0159e\u0161en\u00ed. Odborn\u00edci doporu\u010duj\u00ed nenech\u00e1vat v\u0161e na posledn\u00ed chv\u00edli. \u010c\u00edm d\u0159\u00edve za\u010dnete s refinancov\u00e1n\u00edm sou\u010dasn\u00e9ho \u00fav\u011bru na bydlen\u00ed, t\u00edm je pravd\u011bpodobn\u011bj\u0161\u00ed, \u017ee si vyjedn\u00e1te lep\u0161\u00ed podm\u00ednky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:8px\">ZDROJ: Realitymorava.cz<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aktu\u00e1ln\u00ed zvy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb \u00fav\u011br\u016f na bydlen\u00ed se net\u00fdk\u00e1 pouze lid\u00ed, kte\u0159\u00ed aktu\u00e1ln\u011b hledaj\u00ed nov\u00e9 bydlen\u00ed. Zvy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb se t\u00fdk\u00e1 i t\u011bch, kte\u0159\u00ed hypot\u00e9ku ji\u017e maj\u00ed a bl\u00ed\u017e\u00ed se jim konec obdob\u00ed garantovan\u00e9 \u00farokov\u00e9 sazby. Podle odhad\u016f by m\u011bla v leto\u0161n\u00edm roce kon\u010dit v \u010cesk\u00e9 republice fixace u cca 40 000 hypot\u00e9k, co\u017e m\u016f\u017ee [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2247,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2246","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.jiripec.cz\/index.php\/wp-json\/wp\/v2\/posts\/2246","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.jiripec.cz\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.jiripec.cz\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.jiripec.cz\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jiripec.cz\/index.php\/wp-json\/wp\/v2\/comments?post=2246"}],"version-history":[{"count":1,"href":"https:\/\/www.jiripec.cz\/index.php\/wp-json\/wp\/v2\/posts\/2246\/revisions"}],"predecessor-version":[{"id":2248,"href":"https:\/\/www.jiripec.cz\/index.php\/wp-json\/wp\/v2\/posts\/2246\/revisions\/2248"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.jiripec.cz\/index.php\/wp-json\/wp\/v2\/media\/2247"}],"wp:attachment":[{"href":"https:\/\/www.jiripec.cz\/index.php\/wp-json\/wp\/v2\/media?parent=2246"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jiripec.cz\/index.php\/wp-json\/wp\/v2\/categories?post=2246"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jiripec.cz\/index.php\/wp-json\/wp\/v2\/tags?post=2246"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}