[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hcnv.cz\/konci-vam-fixace\/#Article","mainEntityOfPage":"https:\/\/www.hcnv.cz\/konci-vam-fixace\/","headline":"Kon\u010d\u00ed v\u00e1m fixace?","name":"Kon\u010d\u00ed v\u00e1m fixace?","description":"Hypote\u010dn\u00ed \u00fav\u011br je speci\u00e1ln\u00ed \u00fav\u011br k financov\u00e1n\u00ed bydlen\u00ed. V\u011bt\u0161ina lid\u00ed si ho sjedn\u00e1v\u00e1 v bank\u00e1ch,...","datePublished":"2026-01-13","dateModified":"2026-01-13","author":{"@type":"Person","@id":"https:\/\/www.hcnv.cz\/author\/#Person","name":"hcnv.cz\n","url":"https:\/\/www.hcnv.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/5667bceccdce92893bac6a7981a373152a8b3fa0ab99c198ba0ac0b49a934248?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5667bceccdce92893bac6a7981a373152a8b3fa0ab99c198ba0ac0b49a934248?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hcnv.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.hcnv.cz\/wp-content\/uploads\/house-1836070_640(2)_10_10_1.jpg","url":"https:\/\/www.hcnv.cz\/wp-content\/uploads\/house-1836070_640(2)_10_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.hcnv.cz\/konci-vam-fixace\/","about":["Pen\u00edze"],"wordCount":414,"articleBody":"   Hypote\u010dn\u00ed \u00fav\u011br je speci\u00e1ln\u00ed \u00fav\u011br k financov\u00e1n\u00ed bydlen\u00ed. V\u011bt\u0161ina lid\u00ed si ho sjedn\u00e1v\u00e1 v bank\u00e1ch, kter\u00e9 nab\u00edzej\u00ed v\u011bt\u0161inou nejlep\u0161\u00ed podm\u00ednky i \u00faroky. I kdy\u017e dnes nen\u00ed jednoduch\u00e9 hypot\u00e9ku z\u00edskat, v\u011bt\u0161ina lid\u00ed vid\u00ed smysl v tom spl\u00e1cet svoje bydlen\u00ed, kter\u00e9 z\u016fstane d\u011btem. Bance se spl\u00e1c\u00ed celkov\u00e1 \u010d\u00e1stka, kterou tvo\u0159\u00ed jistina, tedy vyp\u016fj\u010den\u00e1 \u010d\u00e1stka, ke kter\u00e9 se p\u0159i\u010d\u00edtaj\u00ed \u00faroky. Ka\u017ed\u00e1 banka nab\u00edz\u00ed vlastn\u00ed fixaci \u00farok\u016f, kter\u00e1 se m\u011bn\u00ed. Fixace se sjedn\u00e1v\u00e1 v\u011bt\u0161inou na t\u0159i a\u017e p\u011bt let a pot\u00e9 je nutn\u00e9 sazbu refinancovat. Refinancov\u00e1n\u00ed hypot\u00e9ky je slo\u017eit\u00fd proces, na jeho\u017e konci m\u016f\u017eete m\u00edt pom\u011brn\u011b dobr\u00e9 \u00faroky, co\u017e ale nen\u00ed jistota.P\u0159ed p\u011bti lety si lid\u00e9 sjedn\u00e1vali hypot\u00e9ky s \u00faroky do dvou procent, p\u0159i\u010dem\u017e dnes se \u00faroky pohybuj\u00ed nad p\u011bti procenty. Na spl\u00e1tce hypot\u00e9ky m\u016f\u017ee rozd\u00edl t\u0159\u00ed procent \u010dinit n\u011bkolik tis\u00edc korun. To znamen\u00e1, \u017ee samoz\u0159ejm\u011b s vy\u0161\u0161\u00ed sazbou zaplat\u00edte ka\u017ed\u00fd m\u011bs\u00edc v\u00edc pen\u011bz ne\u017e doposud. A pro n\u011bkter\u00e9 rodiny to m\u016f\u017ee b\u00fdt likvida\u010dn\u00ed. Kdo p\u0159ecenil svoje s\u00edly, m\u016f\u017ee se ocitnout v pasti. Luxusn\u011bj\u0161\u00ed domy, na kter\u00e9 si lid\u00e9 brali vysok\u00e9 hypot\u00e9ky s vysok\u00fdmi spl\u00e1tkami \u010dasto kon\u010d\u00ed v dra\u017eb\u00e1ch, proto\u017ee je lid\u00e9 po refinancov\u00e1n\u00ed nezvl\u00e1daj\u00ed spl\u00e1cet.Jak refinancovat? Pokud v\u00e1m sjedn\u00e1val hypot\u00e9ku hypote\u010dn\u00ed poradce, mo\u017en\u00e1 v\u00e1s napadne se jako prvn\u00ed obr\u00e1tit pr\u00e1v\u011b na n\u011bj. I dnes maj\u00ed poradci \u010dasto ni\u017e\u0161\u00ed \u00faroky ne\u017e samotn\u00ed klienti, kte\u0159\u00ed si \u017e\u00e1daj\u00ed o refinancov\u00e1n\u00ed sami. M\u016f\u017eete si zkusit poptat \u00faroky sami. Doporu\u010duje se zkusit sjednat ni\u017e\u0161\u00ed \u00faroky n\u011bkolik m\u011bs\u00edc\u016f p\u0159ed koncem fixace. Pokud to zme\u0161k\u00e1te, banka v\u00e1m pouze za\u0161le dopis s novou sazbou, se kterou u\u017e nejsp\u00ed\u0161e nic nenad\u011bl\u00e1te. Ne\u010dekejte, a\u017e v\u00e1m banka zv\u00fd\u0161\u00ed spl\u00e1tky o n\u011bkolik tis\u00edc a jednejte v\u010das. Dnes bohu\u017eel v\u011bt\u0161ina bank nab\u00edz\u00ed \u00faroky jen okolo 4 %, co\u017e je dvojn\u00e1sobek ne\u017e p\u0159ed p\u011bti lety. S t\u00edm nic ud\u011blat nejde, ale jde z\u00edskat tento ni\u017e\u0161\u00ed \u00farok, proto\u017ee banky klient\u016fm nab\u00edzej\u00ed \u010dasto \u00faroky nad 5 %.                                                                                                                                                                                                                                                                                                                                                                                                  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