[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lejhanec.cz\/urokova-sazba-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.lejhanec.cz\/urokova-sazba-hypoteky\/","headline":"\u00darokov\u00e1 sazba hypot\u00e9ky","name":"\u00darokov\u00e1 sazba hypot\u00e9ky","description":"Co se t\u00fd\u010de \u00farokov\u00e9 sazby, tak ta \u010dasto b\u00fdv\u00e1 fixov\u00e1na na n\u011bkolik let. V sou\u010dasn\u00e9 dob\u011b je nejobl\u00edben\u011bj\u0161\u00ed fixace na p\u011bt let, tu si vol\u00ed a\u017e pades\u00e1t procent \u017eadatel\u016f o hypot\u00e9ku. Tak\u00e9 za\u010d\u00edn\u00e1 r\u016fst popularita v\u00edcelet\u00e9 fixace, nej\u010dast\u011bji sedm, osm a deset let. Bohu\u017eel \u00farokov\u00e1 sazba v\u00edcelet\u00fdch fixac\u00ed je \u010dasto v n\u011bkter\u00fdch bank\u00e1ch vy\u0161\u0161\u00ed, ne\u017e...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.lejhanec.cz\/urokova-sazba-hypoteky\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> &ldquo;\u00darokov\u00e1 sazba hypot\u00e9ky&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2020-05-17","dateModified":"2023-05-17","author":{"@type":"Person","@id":"https:\/\/www.lejhanec.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.lejhanec.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1a78ecc0e437eba31014e33ef1099b06183f235c76cc2a60652b6bba7126ee97?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1a78ecc0e437eba31014e33ef1099b06183f235c76cc2a60652b6bba7126ee97?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lejhanec.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lejhanec.cz\/wp-content\/uploads\/%C3%BArok%20pen%C4%9Bz.jpg","url":"https:\/\/www.lejhanec.cz\/wp-content\/uploads\/%C3%BArok%20pen%C4%9Bz.jpg","height":0,"width":0},"url":"https:\/\/www.lejhanec.cz\/urokova-sazba-hypoteky\/","about":["Ekonomika"],"wordCount":424,"articleBody":"       Co se t\u00fd\u010de \u00farokov\u00e9 sazby, tak ta \u010dasto b\u00fdv\u00e1 fixov\u00e1na na n\u011bkolik let. V sou\u010dasn\u00e9 dob\u011b je nejobl\u00edben\u011bj\u0161\u00ed fixace na p\u011bt let, tu si vol\u00ed a\u017e pades\u00e1t procent \u017eadatel\u016f o hypot\u00e9ku. Tak\u00e9 za\u010d\u00edn\u00e1 r\u016fst popularita v\u00edcelet\u00e9 fixace, nej\u010dast\u011bji sedm, osm a deset let. Bohu\u017eel \u00farokov\u00e1 sazba v\u00edcelet\u00fdch fixac\u00ed je \u010dasto v n\u011bkter\u00fdch bank\u00e1ch vy\u0161\u0161\u00ed, ne\u017e je u p\u011btilet\u00e9 fixace. Tak\u00e9 ale n\u011bkter\u00e9 banky nab\u00edzej\u00ed v\u00edceletou fixaci za cenu stejnou, jako je u fixace p\u011btilet\u00e9. Nejm\u00e9n\u011b si lidi vol\u00ed fixaci na jeden rok a krat\u0161\u00ed, jeliko\u017e zde sazby b\u00fdvaj\u00ed v\u00fdrazn\u011b vy\u0161\u0161\u00ed. Pokud v\u00e1s zaj\u00edm\u00e1 \u00farokov\u00e1 sazba bl\u00ed\u017ee, m\u016f\u017eete se pod\u00edvat na \u00farokov\u00e1 sazba fahd a p\u0159e\u010d\u00edst si p\u0159ibli\u017en\u011bj\u0161\u00ed informace.Slevy Standardn\u00ed nab\u00eddky bank jsou vy\u0161\u0161\u00ed, ne\u017e \u00farokov\u00e1 sazba po zapo\u010d\u00edt\u00e1n\u00ed individu\u00e1ln\u00edch slev, kter\u00e9 si m\u016f\u017eete s bankou vyjednat. Pokud se bude jednat o financovan\u00ed koup\u011b nemovitosti, tak tam jsou rozd\u00edly v \u0159ad\u011b n\u011bkolika desetin procent, ale pokud se bude jednat o refinancov\u00e1n\u00ed hypot\u00e9ky, tak tam to m\u016f\u017ee b\u00fdt \u00faspora i n\u011bkolika procent. \u010casto m\u016f\u017eete vyu\u017e\u00edt slev, kter\u00e9 nab\u00edzej\u00ed banky, nap\u0159\u00edklad p\u0159i marketinkov\u00fdch akc\u00ed \u010di slev za dodate\u010dn\u00e9 poji\u0161t\u011bn\u00ed.Fixace \u00farokov\u00e9 sazbyDoba fixace \u00farokov\u00fd sazby, znamen\u00e1, \u017ee se jedn\u00e1 o obdob\u00ed, kdy se \u00farokov\u00e1 sazba nem\u011bn\u00ed a nem\u011bn\u00ed se ani v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky hypot\u00e9ky. Pokud bude kon\u010dit doba fixace, m\u016f\u017eete ud\u011blat mimo\u0159\u00e1dnou spl\u00e1tku zdarma \u010di hypot\u00e9ku refinancovat do jin\u00e9 banky. D\u016fle\u017eit\u00e9 je banku o takov\u00e9 spl\u00e1tce dop\u0159edu informovat. Kdy\u017e bude kon\u010dit doba fixace, banka po\u0161le klientovi novou nab\u00eddku \u00farokov\u00e9 sazby na dal\u0161\u00ed fixa\u010dn\u00ed obdob\u00ed. Pokud budete nesouhlasit, m\u016f\u017eete s bankou o v\u00fd\u0161e \u00farokov\u00e9 sazby jednat \u010di je mo\u017en\u00e9 hypot\u00e9ku splatit nebo refinancovat.Nezapome\u0148te na porovn\u00e1n\u00ed \u00farokov\u00fdch sazeb hypot\u00e9kM\u016f\u017ee se jednat o stejnou \u00farokovou sazbu, ale rozd\u00edln\u00e9 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. Jde toti\u017e o splatnost, ale taky i o zp\u016fsob, jak\u00fdm banka po\u010d\u00edt\u00e1 \u00faroky z hypot\u00e9ky, to toti\u017e ovliv\u0148uje to, kolik opravdu za hypot\u00e9ku zaplat\u00edte. Proto je tedy velmi d\u016fle\u017eit\u00e9 porovn\u00e1vat \u00farokovou sazbu, ale i m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku hypot\u00e9ky.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u00darokov\u00e1 sazba hypot\u00e9ky","item":"https:\/\/www.lejhanec.cz\/urokova-sazba-hypoteky\/#breadcrumbitem"}]}]