{"id":193,"date":"2025-01-07T08:16:14","date_gmt":"2025-01-07T07:16:14","guid":{"rendered":"https:\/\/hypo-online.cz\/blog\/?p=193"},"modified":"2025-01-07T08:16:14","modified_gmt":"2025-01-07T07:16:14","slug":"konec-fixacniho-obdobi-hypoteky-co-vas-ceka-pri-zmene-banky","status":"publish","type":"post","link":"https:\/\/hypo-online.cz\/blog\/2025\/01\/07\/konec-fixacniho-obdobi-hypoteky-co-vas-ceka-pri-zmene-banky\/","title":{"rendered":"Konec fixa\u010dn\u00edho obdob\u00ed hypot\u00e9ky: Co v\u00e1s \u010dek\u00e1 p\u0159i zm\u011bn\u011b banky?"},"content":{"rendered":"
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Po t\u0159ech, p\u011bti, sedmi nebo deseti letech p\u0159ich\u00e1z\u00ed konec fixa\u010dn\u00edho obdob\u00ed va\u0161\u00ed hypot\u00e9ky a vy se mus\u00edte rozhodnout, jak d\u00e1l. M\u016f\u017eete z\u016fstat u sv\u00e9 sou\u010dasn\u00e9 banky, nebo se poohl\u00e9dnout po lep\u0161\u00ed nab\u00eddce. Pokud se rozhodnete pro refinancov\u00e1n\u00ed, zjist\u00edte, co v\u00e1s \u010dek\u00e1, proto\u017ee banka prov\u011b\u0159\u00ed va\u0161i schopnost spl\u00e1cet.<\/p>\n<\/div>\n

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Dolo\u017een\u00ed bonity: Co v\u0161echno bude banka po\u017eadovat?<\/strong><\/h3>\n

Pokud refinancujete hypot\u00e9ku, banka si ov\u011b\u0159\u00ed va\u0161i bonitu. \u201ePro prok\u00e1z\u00e1n\u00ed schopnosti spl\u00e1cet je dnes nutn\u00e9 dolo\u017eit p\u0159\u00edjmy, proto\u017ee banka nyn\u00ed hodnot\u00ed nov\u00fd \u00fav\u011br, co\u017e nen\u00ed stejn\u00e9 jako d\u0159\u00edv, kdy sta\u010dilo m\u00edt dobrou platebn\u00ed mor\u00e1lku,\u201c<\/strong> vysv\u011btluje Jana Vaisov\u00e1, hypote\u010dn\u00ed specialistka z FinGO.<\/p>\n

Zam\u011bstnanci budou muset dolo\u017eit potvrzen\u00ed o p\u0159\u00edjmu, kter\u00e9 zam\u011bstnavatel elektronicky vypln\u00ed. K tomu p\u0159ilo\u017e\u00edte v\u00fdpisy z \u00fa\u010dtu za posledn\u00ed t\u0159i m\u011bs\u00edce.<\/p>\n

Pokud podnik\u00e1te, banka bude po\u017eadovat da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed. Pokud \u017e\u00e1d\u00e1te o \u00fav\u011br do 5 milion\u016f korun, posta\u010d\u00ed jedno p\u0159izn\u00e1n\u00ed. Nad 5 milion\u016f budou pot\u0159ebn\u00e1 dv\u011b p\u0159izn\u00e1n\u00ed.<\/p>\n

Co m\u016f\u017ee ovlivnit rozhodnut\u00ed banky?<\/strong><\/h3>\n

Banka se pod\u00edv\u00e1 na va\u0161e p\u0159\u00edjmy, ale i na va\u0161i platebn\u00ed historii. \u201eZkontrolujeme z\u00e1znamy v registrech, abychom zjistili, zda jste m\u011bli probl\u00e9my se spl\u00e1cen\u00edm z\u00e1vazk\u016f,\u201c<\/strong> \u0159\u00edk\u00e1 Lucie Leixnerov\u00e1, tiskov\u00e1 mluv\u010d\u00ed MONETA Money Bank. Pokud banka zjist\u00ed probl\u00e9my, m\u016f\u017ee to ovlivnit jej\u00ed rozhodnut\u00ed.<\/p>\n

Pokud m\u00e1te dal\u0161\u00ed z\u00e1vazky, banka je zohledn\u00ed. \u201eP\u0159i refinancov\u00e1n\u00ed banka zohledn\u00ed nejen v\u00fd\u0161i st\u00e1vaj\u00edc\u00ed hypot\u00e9ky, ale i p\u0159\u00edpadn\u00e9 dal\u0161\u00ed \u00fav\u011bry,\u201c<\/strong> vysv\u011btluje Luk\u00e1\u0161 Urb\u00e1nek, finan\u010dn\u00ed poradce Partners. Pokud jste si vzali jin\u00fd \u00fav\u011br, m\u016f\u017ee to sn\u00ed\u017eit va\u0161i bonitu a banka v\u00e1m \u00fav\u011br nemus\u00ed schv\u00e1lit.<\/p>\n

Banka se tak\u00e9 pod\u00edv\u00e1 na va\u0161e v\u00fddaje. Pokud m\u00e1te neobvykl\u00e9 v\u00fddaje, nap\u0159\u00edklad pravideln\u011b s\u00e1z\u00edte nebo plat\u00edte do kasina, m\u016f\u017ee to negativn\u011b ovlivnit rozhodnut\u00ed banky. Pokud spl\u00e1c\u00edte p\u016fj\u010dku, kter\u00e1 nen\u00ed viditeln\u00e1 v registrech, m\u016f\u017ee to tak\u00e9 zkomplikovat refinancov\u00e1n\u00ed.<\/p>\n

Stabilita p\u0159\u00edjmu: Co banky posuzuj\u00ed?<\/strong><\/h3>\n

Pokud jste ned\u00e1vno zm\u011bnili zam\u011bstn\u00e1n\u00ed nebo za\u010dali podnikat, banka m\u016f\u017ee m\u00edt obavy. Tak\u00e9 pokud je jeden z partner\u016f na rodi\u010dovsk\u00e9 dovolen\u00e9, banka to m\u016f\u017ee pova\u017eovat za probl\u00e9m.<\/p>\n

Jak\u00e9 dokumenty budete pot\u0159ebovat?<\/strong><\/h3>\n

Banka po v\u00e1s bude po\u017eadovat n\u011bkolik dokument\u016f. \u201eKrom\u011b dolo\u017een\u00ed p\u0159\u00edjm\u016f je nutn\u00e9 p\u0159edlo\u017eit \u00fav\u011brovou smlouvu, v\u00fdpis z katastru nemovitost\u00ed, z\u00e1stavn\u00ed smlouvu a nab\u00fdvac\u00ed tituly k nemovitosti, jako nap\u0159\u00edklad kupn\u00ed smlouvu,\u201c<\/strong> up\u0159es\u0148uje Jana Vaisov\u00e1.<\/p>\n

Banka tak\u00e9 zaji\u0161\u0165uje odhad nemovitosti. Pokud se odhad prov\u00e1d\u00ed online, budete muset dodat fotografie sou\u010dasn\u00e9ho stavu nemovitosti, energetick\u00fd \u0161t\u00edtek (u byt\u016f) nebo projektovou dokumentaci u rodinn\u00fdch dom\u016f.<\/p>\n

V\u00fdhody refinancov\u00e1n\u00ed: Jak\u00e9 podm\u00ednky si m\u016f\u017eete nastavit?<\/strong><\/h3>\n

Refinancov\u00e1n\u00ed hypot\u00e9ky je v podstat\u011b nov\u00fd \u00fav\u011br, a proto si m\u016f\u017eete nastavit podm\u00ednky podle sv\u00fdch pot\u0159eb. Pokud jde o fixa\u010dn\u00ed obdob\u00ed, v\u011bt\u0161ina lid\u00ed vol\u00ed krat\u0161\u00ed dobu kv\u016fli vysok\u00fdm \u00farokov\u00fdm sazb\u00e1m. Specialist\u00e9 doporu\u010duj\u00ed minim\u00e1ln\u011b t\u0159\u00edletou fixaci.<\/p>\n

Pokud chcete sn\u00ed\u017eit m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky, m\u016f\u017eete prodlou\u017eit dobu splatnosti. Pokud je va\u0161e nemovitost energeticky \u00fasporn\u00e1, m\u016f\u017ee v\u00e1m banka nab\u00eddnout splatnost a\u017e 35 let. Maxim\u00e1ln\u00ed v\u011bk pro splacen\u00ed hypot\u00e9ky je obvykle 70 let, ale n\u011bkter\u00e9 banky to prodlou\u017e\u00ed a\u017e na 75 let.<\/p>\n

Pokud chcete pen\u00edze na rekonstrukci nebo investici, m\u016f\u017ee v\u00e1m banka poskytnout i dal\u0161\u00ed prost\u0159edky. Pom\u011br mezi hodnotou \u00fav\u011bru a hodnotou nemovitosti (LTV) bude ale omezen. Pro \u017eadatele star\u0161\u00ed ne\u017e 36 let b\u00fdv\u00e1 LTV omezeno na 80 %, pro mlad\u0161\u00ed je maxim\u00e1ln\u00ed LTV 90 %. Banky tak\u00e9 obvykle limituj\u00ed \u010d\u00e1stku, kterou lze na investice z\u00edskat, \u010dasto je to maxim\u00e1ln\u011b 500 tis\u00edc korun.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Po t\u0159ech, p\u011bti, sedmi nebo deseti letech p\u0159ich\u00e1z\u00ed konec fixa\u010dn\u00edho obdob\u00ed va\u0161\u00ed hypot\u00e9ky a vy se mus\u00edte rozhodnout, jak d\u00e1l. M\u016f\u017eete z\u016fstat u sv\u00e9 sou\u010dasn\u00e9 […]<\/p>\n","protected":false},"author":1,"featured_media":195,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[111,113,110,109,115,108,114,112],"class_list":["post-193","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene","tag-bonita","tag-doklady","tag-hypoteka-a-zmena-banky","tag-konec-fixacniho-obdobi","tag-prijmy","tag-refinancovani-hypoteky","tag-rekonstrukce","tag-splatnost"],"yoast_head":"\nKonec fixa\u010dn\u00edho obdob\u00ed hypot\u00e9ky: Co v\u00e1s \u010dek\u00e1 p\u0159i zm\u011bn\u011b banky? - Hypo Online | Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hypo-online.cz\/blog\/2025\/01\/07\/konec-fixacniho-obdobi-hypoteky-co-vas-ceka-pri-zmene-banky\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Konec fixa\u010dn\u00edho obdob\u00ed hypot\u00e9ky: Co v\u00e1s \u010dek\u00e1 p\u0159i zm\u011bn\u011b banky? - Hypo Online | Blog\" \/>\n<meta property=\"og:description\" content=\"Po t\u0159ech, p\u011bti, sedmi nebo deseti letech p\u0159ich\u00e1z\u00ed konec fixa\u010dn\u00edho obdob\u00ed va\u0161\u00ed hypot\u00e9ky a vy se mus\u00edte rozhodnout, jak d\u00e1l. 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