{"id":47,"date":"2024-01-08T12:01:58","date_gmt":"2024-01-08T11:01:58","guid":{"rendered":"https:\/\/hypo-online.cz\/blog\/?p=47"},"modified":"2024-01-09T12:53:04","modified_gmt":"2024-01-09T11:53:04","slug":"refixace-hypotek-na-co-se-pripravit","status":"publish","type":"post","link":"https:\/\/hypo-online.cz\/blog\/2024\/01\/08\/refixace-hypotek-na-co-se-pripravit\/","title":{"rendered":"Refixace hypot\u00e9k &#8211; na co se p\u0159ipravit"},"content":{"rendered":"<p>Refixace hypot\u00e9k se bl\u00ed\u017e\u00ed a pro spoustu lid\u00ed to znamen\u00e1 p\u0159\u00edpravu na nav\u00fd\u0161en\u00ed m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek o cca 4 500 K\u010d. I kdy\u017e nejhor\u0161\u00ed skoky v \u00farokov\u00fdch sazb\u00e1ch jsou u\u017e za n\u00e1mi, pr\u016fm\u011brn\u00fd klient by se m\u011bl p\u0159ipravit na dal\u0161\u00ed n\u00e1r\u016fst. P\u0159esto\u017ee \u010ce\u0161i \u00fasp\u011b\u0161n\u011b zvl\u00e1dli obdob\u00ed \u00farokov\u00e9ho \u0161oku, kter\u00fd trval podstatn\u011b d\u00e9le a byl v\u011bt\u0161\u00ed ne\u017e cokoli jin\u00e9ho za posledn\u00edch 30 let, p\u0159edpov\u00edd\u00e1 hypote\u010dn\u00ed expert Libor Ostatek dal\u0161\u00ed vzr\u016fst n\u00e1klad\u016f.<\/p>\n<p>Podle Ostatka byla &#8222;\u00farokov\u00e1 bou\u0159e&#8220; vrcholem, ale klienti, jejich\u017e fixace hypot\u00e9k kon\u010d\u00ed, budou platit v\u00edce. Ka\u017ed\u00fd procentn\u00ed bod nav\u00fd\u0161en\u00ed \u00farokov\u00e9 sazby znamen\u00e1 zhruba 500 K\u010d n\u00e1r\u016fst m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky za ka\u017ed\u00fd vyp\u016fj\u010den\u00fd milion. I kdy\u017e se situace zlep\u0161uje, Ostatek rad\u00ed klient\u016fm vyjedn\u00e1vat s bankou, kter\u00e1 m\u00e1 \u010dtvrt roku p\u0159ed koncem fixace povinnost navrhnout nov\u00e9 podm\u00ednky.<\/p>\n<p>Ostatek varuje, \u017ee banky aktu\u00e1ln\u011b nab\u00edzej\u00ed \u00faroky kolem 5,5 procenta s t\u0159\u00edletou fixaci, s mo\u017enost\u00ed i p\u0159esahuj\u00edc\u00ed \u0161est procent. D\u00e9lka fixace hraje roli, a klienti s men\u0161\u00edm z\u016fstatkem mohou \u010delit vy\u0161\u0161\u00edm sazb\u00e1m. Vzhledem k nejistot\u011b budouc\u00edho v\u00fdvoje se v\u011bt\u0161ina lid\u00ed nakl\u00e1n\u00ed k t\u0159\u00edlet\u00e9 fixaci, kter\u00e9 nab\u00edz\u00ed stejnou nebo ni\u017e\u0161\u00ed \u00farokovou sazbu a kr\u00e1tk\u00e9 obdob\u00ed p\u0159ehledn\u00e9ho pl\u00e1nov\u00e1n\u00ed.<\/p>\n<div id=\"23C09F7B_D5AB_774B_291E_ECDD71ED292D\"><\/div>\n<div id=\"23C09F7B_D5AB_774B_291E_ECDD71ED292D\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Refixace hypot\u00e9k se bl\u00ed\u017e\u00ed a pro spoustu lid\u00ed to znamen\u00e1 p\u0159\u00edpravu na nav\u00fd\u0161en\u00ed m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek o cca 4 500 K\u010d. I kdy\u017e nejhor\u0161\u00ed skoky v [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":61,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[53,57,52,55,54,9,56,6],"class_list":["post-47","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene","tag-doba-fixace","tag-fixace-doba","tag-fixace-hypoteky","tag-hypotecni-smlouva","tag-promenna-sazba","tag-refinancovani-hypotek","tag-variabilni-urok","tag-vyvoj-urokovych-sazeb-a-vyber-fixace"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Refixace hypot\u00e9k - na co se p\u0159ipravit - 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\/2024\/01\/08\/refixace-hypotek-na-co-se-pripravit\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refixace hypot\u00e9k - na co se p\u0159ipravit - Hypo Online | Blog\" \/>\n<meta property=\"og:description\" content=\"Refixace hypot\u00e9k se bl\u00ed\u017e\u00ed a pro spoustu lid\u00ed to znamen\u00e1 p\u0159\u00edpravu na nav\u00fd\u0161en\u00ed m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek o cca 4 500 K\u010d. 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