{"id":2410,"date":"2024-05-22T09:06:11","date_gmt":"2024-05-22T07:06:11","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2410"},"modified":"2024-05-22T09:06:13","modified_gmt":"2024-05-22T07:06:13","slug":"predcasne-splaceni-hypoteky-vyhodne-poradime-jak-na-to","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/predcasne-splaceni-hypoteky-vyhodne-poradime-jak-na-to\/","title":{"rendered":"P\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky v\u00fdhodn\u011b? Porad\u00edme, jak na to"},"content":{"rendered":"\n

Podm\u00ednky pro p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky se s p\u0159\u00edchodem roku 2024 zp\u0159\u00edsnily. Pokud ale chcete z jak\u00e9hokoliv d\u016fvodu hypot\u00e9ku splatit p\u0159ed\u010dasn\u011b a vyhnout se placen\u00ed desetitis\u00edcov\u00fdch sankc\u00ed, po\u0159\u00e1d v\u00e1m p\u00e1r mo\u017enost\u00ed zb\u00fdv\u00e1. Pod\u00edvejte se na n\u011b s n\u00e1mi. <\/p>\n\n\n\n

Co se vlastn\u011b novelou z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru zm\u011bnilo? Z\u00e1konod\u00e1rci utnuli tipec takzvan\u00e9 hypote\u010dn\u00ed turistice t\u00edm nejjednodu\u0161\u0161\u00edm zp\u016fsobem: zm\u011bnili zp\u016fsob, jak mohou banky vypo\u010d\u00edt\u00e1vat poplatky za p\u0159ed\u010dasn\u00e9 spl\u00e1cen\u00ed hypot\u00e9ky v dob\u011b fixace. Krom\u011b \u201c\u00fa\u010deln\u011b vynalo\u017een\u00fdch administrativn\u00edch n\u00e1klad\u016f<\/strong>\u201d v maxim\u00e1ln\u00ed v\u00fd\u0161i 1 000 korun<\/strong> se nav\u00edc banka m\u016f\u017ee hojit na v\u00e1mi u\u0161et\u0159en\u00fdch \u00faroc\u00edch<\/strong>, a to do v\u00fd\u0161e 1 % p\u0159ed\u010dasn\u011b splacen\u00e9 jistiny<\/strong>. <\/p>\n\n\n\n

Ve v\u00fdsledku to znamen\u00e1, \u017ee za \u00fat\u011bk s hypot\u00e9kou k jin\u00e9 bance, kter\u00fd by v\u00e1s d\u0159\u00edve vy\u0161el na p\u00e1r stovek, nyn\u00ed d\u00e1te t\u0159eba vy\u0161\u0161\u00ed des\u00edtky tis\u00edc korun v z\u00e1vislosti na zb\u00fdvaj\u00edc\u00ed v\u00fd\u0161i \u00fav\u011bru. Nemus\u00ed tomu tak ale b\u00fdt v\u017edy, kdy\u017e si vyberete spr\u00e1vnou chv\u00edli.<\/p>\n\n\n\n

P\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky v\u00fdhodn\u011b: Jak\u00e9 m\u00e1te mo\u017enosti?<\/h2>\n\n\n\n

Pokud m\u00e1te tzv. hypot\u00e9ku s pohyblivou (floatovou) sazbou<\/strong>, poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed v\u00e1s za \u017e\u00e1dn\u00fdch okolnost\u00ed tr\u00e1pit nemus\u00ed. V\u017edy je toti\u017e mo\u017en\u00e9 z\u016fstatek hypot\u00e9ky splatit bez jak\u00fdchkoliv poplatk\u016f<\/strong>, pokud nen\u00ed \u00farokov\u00e1 sazba fixovan\u00e1<\/strong>. V\u011bt\u0161ina \u010cech\u016f v\u0161ak vyu\u017e\u00edv\u00e1 klasickou hypot\u00e9ku s pevnou \u00farokovou sazbou<\/strong>. Ta se na ur\u010dit\u00e9 obdob\u00ed fixuje, abyste ka\u017ed\u00fd m\u011bs\u00edc nebyli p\u0159ekvapeni zm\u011bnou spl\u00e1tky. <\/p>\n\n\n\n

V p\u0159\u00edpad\u011b, \u017ee se rozhodnete pro p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky s fixac\u00ed, m\u016f\u017eete si s pomoc\u00ed online kalkula\u010dek snadno spo\u010d\u00edtat, jak\u00e1 sankce by v\u00e1s \u010dekala. V\u017edy plat\u00ed, \u017ee \u010d\u00edm ni\u017e\u0161\u00ed je zbyl\u00e1 \u010d\u00e1stka k doplacen\u00ed \u00fav\u011bru<\/strong> nebo \u010d\u00edm ni\u017e\u0161\u00ed je jeho \u00farokov\u00e1 sazba<\/strong>, t\u00edm ni\u017e\u0161\u00ed pokutu zaplat\u00edte<\/strong>. Nejedn\u00e1 se ov\u0161em o faktory, kter\u00e9 byste mohli sami ovlivnit. Poplatk\u016fm se ale snadno vyhnete, kdy\u017e po\u010dk\u00e1te na ten spr\u00e1vn\u00fd moment<\/strong>. A za u\u0161et\u0159en\u00e9 pen\u00edze m\u016f\u017eete vyrazit t\u0159eba na p\u011bknou dovolenou.\u00a0<\/p>\n\n\n\n

\"p\u0159ed\u010dasn\u00e9<\/figure>\n\n\n\n

Konec a za\u010d\u00e1tek nov\u00e9 fixace <\/h3>\n\n\n\n

Konec fixace je skv\u011blou p\u0159\u00edle\u017eitost\u00ed nejen pro refinancov\u00e1n\u00ed hypot\u00e9ky<\/a>, ale i pro jej\u00ed p\u0159ed\u010dasn\u00e9 splacen\u00ed. Po skon\u010den\u00ed fixace <\/strong>toti\u017e m\u00e1te mo\u017enost bez sankc\u00ed splatit hypot\u00e9ku v term\u00ednu konce fixace<\/strong>. Hypot\u00e9ku tak\u00e9 m\u016f\u017eete doplatit v n\u00e1sleduj\u00edc\u00edch t\u0159ech m\u011bs\u00edc\u00edch <\/strong>po ozn\u00e1men\u00ed nov\u00e9 \u00farokov\u00e9 sazby<\/strong>. <\/p>\n\n\n\n

T\u011b\u017ek\u00e1 \u017eivotn\u00ed situace<\/h3>\n\n\n\n

Hypot\u00e9ku m\u016f\u017eete na z\u00e1klad\u011b z\u00e1kona p\u0159ed\u010dasn\u011b splatit v p\u0159\u00edpad\u011b, \u017ee v\u00fdrazn\u011b poklesne schopnost spl\u00e1cet \u00fav\u011br z d\u016fvodu \u00famrt\u00ed, invalidity nebo dlouhodob\u00e9 nemoci<\/strong> hypote\u010dn\u00edho dlu\u017en\u00edka <\/strong>(tedy i spoludlu\u017en\u00edka) nebo jeho man\u017eela \u010di partnera<\/strong>. Co to v praxi znamen\u00e1? Uvol\u0148uj\u00ed se tak podm\u00ednky umo\u0159en\u00ed dluhu pro dom\u00e1cnost, kter\u00e1 by najednou musela nad\u00e1le spl\u00e1cet hypot\u00e9ku s fixac\u00ed pouze z jednoho p\u0159\u00edjmu. <\/p>\n\n\n\n

Pro mnoho lid\u00ed v\u0161ak tato mo\u017enost m\u016f\u017ee b\u00fdt nedosa\u017eitelnou, proto\u017ee na splacen\u00ed hypot\u00e9ky jim zkr\u00e1tka v takov\u00e9 situaci nezb\u00fdvaj\u00ed prost\u0159edky<\/strong>. Vyplat\u00ed se proto myslet dop\u0159edu a m\u00edt z\u00e1chrannou s\u00ed\u0165 v podob\u011b \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong><\/a>, kter\u00e9 v\u00e1s ochr\u00e1n\u00ed v t\u011bch nejv\u00e1\u017en\u011bj\u0161\u00edch situac\u00edch. M\u016f\u017ee v\u00e1m pomoci i bankami \u010dasto nab\u00edzen\u00e9 poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet<\/strong><\/a>, ov\u0161em nejprve zhodno\u0165te jeho v\u00fdhody a nev\u00fdhody.<\/p>\n\n\n\n

Mimo\u0159\u00e1dn\u00e1 spl\u00e1tka p\u0159i v\u00fdro\u010d\u00ed<\/h3>\n\n\n\n

Pokud u\u017e se po letech bl\u00ed\u017e\u00edte k posledn\u00ed f\u00e1zi spl\u00e1cen\u00ed a zb\u00fdv\u00e1 u\u017e jen posledn\u00ed \u010dtvrtina \u010d\u00e1stky ke splacen\u00ed, hypot\u00e9ky se m\u016f\u017eete \u00fapln\u011b \u201czbavit\u201d p\u0159i nejbli\u017e\u0161\u00edm v\u00fdro\u010d\u00ed smlouvy<\/strong>. Ka\u017ed\u00fd rok, <\/strong>a to m\u011bs\u00edc p\u0159ed v\u00fdro\u010dn\u00edm datem<\/strong> uzav\u0159en\u00ed smlouvy, m\u00e1te mo\u017enost prov\u00e9st mimo\u0159\u00e1dnou spl\u00e1tku pr\u00e1v\u011b a\u017e do 25 % v\u00fd\u0161e \u00fav\u011bru<\/strong>. A\u0165 u\u017e chcete vyu\u017e\u00edt v\u00fdro\u010d\u00ed pro \u010d\u00e1ste\u010dn\u00e9 nebo v tomto p\u0159\u00edpad\u011b \u00fapln\u00e9 doplacen\u00ed \u00fav\u011bru, ne\u010dekaj\u00ed v\u00e1s \u017e\u00e1dn\u00e9 sankce ani jin\u00e1 p\u0159ekvapen\u00ed. Jde toti\u017e o situaci, kterou p\u0159edv\u00edd\u00e1 z\u00e1kon. <\/p>\n\n\n\n

Nov\u00e9 d\u016fvody pro p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky bez sankce<\/h3>\n\n\n\n

Ke zn\u00e1m\u00fdm a \u010dasto vyu\u017e\u00edvan\u00fdm p\u0159\u00edle\u017eitostem pro p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky bez poplatk\u016f se od roku 2024 p\u0159ipojily dal\u0161\u00ed dv\u011b situace. Hypot\u00e9ku m\u016f\u017eete v dob\u011b fixace \u201cbeztrestn\u011b\u201d splatit v p\u0159\u00edpad\u011b, \u017ee prod\u00e1v\u00e1te nemovitost<\/strong>, na kterou jste si onu hypot\u00e9ku d\u0159\u00edve vzali. Mus\u00edte ov\u0161em splnit podm\u00ednku prodeje nemovitosti nejd\u0159\u00edve po 2 letech<\/strong> od jej\u00ed koup\u011b, jinak si p\u0159iplat\u00edte. <\/p>\n\n\n\n

Druhou z nov\u00fdch mo\u017enost\u00ed je tak\u00e9 p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky bez pokuty v p\u0159\u00edpad\u011b vypo\u0159\u00e1d\u00e1n\u00ed spole\u010dn\u00e9ho jm\u011bn\u00ed<\/strong> man\u017eel\u016f, kter\u00e9 nast\u00e1v\u00e1 p\u0159i rozvodu man\u017eelstv\u00ed. Tento d\u016fvod se t\u00fdk\u00e1 mo\u017enosti splacen\u00ed hypot\u00e9ky, kde man\u017eel\u00e9 figuruj\u00ed spole\u010dn\u011b jako spoludlu\u017en\u00edci<\/strong>. Ze spole\u010dn\u00e9 hypot\u00e9ky se t\u00edmto zp\u016fsobem mohou b\u00fdval\u00ed man\u017eel\u00e9 elegantn\u011b vyv\u00e1zat, co\u017e d\u0159\u00edve \u010dinilo pom\u011brn\u011b velk\u00e9 probl\u00e9my. <\/p>\n\n\n\n

Je na p\u0159ed\u010dasn\u00e9 splacen\u00ed je\u0161t\u011b brzo? Pokud se v\u00e1m bl\u00ed\u017e\u00ed konec fixace a hled\u00e1te v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddky bank, m\u016f\u017eete zvolit cestu refinancov\u00e1n\u00ed hypot\u00e9ky<\/strong><\/a>. Jak na to a kde naj\u00edt tu nejlep\u0161\u00ed nab\u00eddku? Srovnejte si aktu\u00e1ln\u00ed \u00farokov\u00e9 sazby a podm\u00ednky, kter\u00e9 v\u00e1m banky mohou poskytnout. Stihnete to za minutku!<\/p>\n\n\n\n

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Srovnat refinancov\u00e1n\u00ed hypot\u00e9ky na RIXO.cz<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Podm\u00ednky pro p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky se s p\u0159\u00edchodem roku 2024 zp\u0159\u00edsnily. Pokud ale chcete z jak\u00e9hokoliv d\u016fvodu hypot\u00e9ku splatit p\u0159ed\u010dasn\u011b a vyhnout se placen\u00ed desetitis\u00edcov\u00fdch sankc\u00ed, po\u0159\u00e1d v\u00e1m p\u00e1r mo\u017enost\u00ed zb\u00fdv\u00e1. Pod\u00edvejte se na n\u011b s n\u00e1mi.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":2411,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[14,15],"tags":[52],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2410"}],"collection":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=2410"}],"version-history":[{"count":1,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2410\/revisions"}],"predecessor-version":[{"id":2426,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2410\/revisions\/2426"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/2411"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2410"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2410"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2410"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}