{"id":1517,"date":"2023-06-23T12:42:00","date_gmt":"2023-06-23T11:42:00","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1517"},"modified":"2023-06-23T13:37:34","modified_gmt":"2023-06-23T12:37:34","slug":"poplatky-za-predcasne-splaceni-hypoteky-jsou-znovu-na-obzoru","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/poplatky-za-predcasne-splaceni-hypoteky-jsou-znovu-na-obzoru\/","title":{"rendered":"Poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky jsou znovu na obzoru"},"content":{"rendered":"\n<p>Op\u011btovn\u00e9 zaveden\u00ed poplatk\u016f za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky u\u017e dost\u00e1v\u00e1 fin\u00e1ln\u00ed podobu. P\u0159ipravovanou novelu z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru schv\u00e1lila vl\u00e1da za\u010d\u00e1tkem \u010dervna, parlament by ji m\u011bl projednat do konce \u010dervna.<\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co se v \u010dl\u00e1nku do\u010dtete<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-aktu-ln-situace-s-poplatky-za-p-ed-asn-splacen-hypot-ky\">Aktu\u00e1ln\u00ed poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-bude-vypadat-nov-situace\">Jak bude vypadat nov\u00e1 situace<\/a><\/li><li class=\"\"><a href=\"#htoc-nov-p-ibudou-dal-pozitiva-pro-klienty\">Nov\u011b p\u0159ibudou dal\u0161\u00ed pozitiva pro klienty<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<p>P\u0159ipravme se tedy na to, \u017ee se na stran\u011b klient\u016f op\u011bt nav\u00fd\u0161\u00ed n\u00e1klady p\u0159i p\u0159ed\u010dasn\u00e9m splacen\u00ed hypot\u00e9ky. T\u00fdk\u00e1 se to hlavn\u011b p\u0159\u00edpad\u016f, kdy <strong>hypot\u00e9ku splat\u00edte mimo fixaci dohodnutou v \u00fav\u011brov\u00e9 smlouv\u011b<\/strong>. Klienti toti\u017e <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\/refinancovani\">refinancuj\u00ed sv\u00e9 hypot\u00e9ky<\/a> zejm\u00e9na v dob\u011b klesaj\u00edc\u00edch \u00farok\u016f a p\u0159ech\u00e1z\u00ed do jin\u00e9 banky, kde z\u00edskaj\u00ed lep\u0161\u00ed \u00farokovou sazbu.&nbsp;<\/p>\n\n\n\n<p>V\u0161ichni tuto novelu z\u00e1kona <strong>vn\u00edmaj\u00ed jako f\u00e9rovou a kvituj\u00ed sjednocen\u00ed postupu<\/strong>. M\u011blo by se tak zamezit nep\u0159ehledn\u00e9 situaci, kterou zn\u00e1me z minulosti. N\u011bkter\u00e9 banky klient\u016fm \u00fa\u010dtovaly nep\u0159im\u011b\u0159en\u00e9 poplatky, za co\u017e padly i tvrd\u00e9 pokuty. Nakonec i pro klienty budou podm\u00ednky po novele srozumiteln\u011bj\u0161\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-aktu-ln-situace-s-poplatky-za-p-ed-asn-splacen-hypot-ky\"><strong>Aktu\u00e1ln\u00ed poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky<\/strong><\/h2>\n\n\n\n<p>Banky dnes cht\u011bj\u00ed po klientech v\u017edy zaplatit takzvan\u00e9 \u00fa\u010deln\u011b vynalo\u017een\u00e9 n\u00e1klady. Podle v\u00fdkladu \u010cNB jsou to \u201ep\u0159edev\u0161\u00edm n\u00e1klady administrativn\u00ed povahy\u201c. Jedn\u00e1 se tedy v\u011bt\u0161inou o 1 000 K\u010d.&nbsp;<\/p>\n\n\n\n<p>V sou\u010dasnosti m\u016f\u017eete p\u0159ed\u010dasn\u011b splatit hypot\u00e9ku bez dal\u0161\u00edch poplatk\u016f v t\u011bchto p\u0159\u00edpadech:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ka\u017edoro\u010dn\u011b <\/strong>ve v\u00fdro\u010d\u00ed m\u016f\u017eete splatit a\u017e <strong>25 % p\u016fvodn\u00ed v\u00fd\u0161e hypot\u00e9ky.<\/strong><\/li>\n\n\n\n<li>Kdy\u017e <strong>prod\u00e1v\u00e1te nemovitost,<\/strong> banka si nesm\u00ed \u00fa\u010dtovat v\u00edc ne\u017e 1 % z v\u00fd\u0161e <a href=\"https:\/\/www.fingo.cz\/blog\/mimoradna-splatka-hypoteky\/\">mimo\u0159\u00e1dn\u00e9 spl\u00e1tky<\/a>, maxim\u00e1ln\u011b pak 50 tis\u00edc K\u010d.<\/li>\n\n\n\n<li>Splatit hypot\u00e9ku bez sankc\u00ed m\u016f\u017eete <strong>p\u0159i t\u011b\u017ek\u00e9 \u017eivotn\u00ed situaci <\/strong>\u2013 \u00famrt\u00ed nebo invalidit\u011b v\u00e1s, man\u017eela nebo partnera.<\/li>\n\n\n\n<li>Pokud dojde k <strong>pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed<\/strong>, m\u016f\u017eete hypot\u00e9ku splatit.<\/li>\n\n\n\n<li><strong>V dob\u011b fixace <\/strong>tak\u00e9 p\u0159ed\u010dasn\u00e9 splacen\u00ed nic nestoj\u00ed.<\/li>\n<\/ul>\n\n\n\n<iframe src=\"https:\/\/www.fingo.cz\/banner\/mortgage\/version5\" frameborder=\"0\" allowfullscreen=\"\" width=\"90%\" height=\"728\" scrolling=\"1\" style=\"box-shadow: 0 0 10px gray; margin: 10px;\" name=\"banner2\" id=\"banner2\"><\/iframe>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-bude-vypadat-nov-situace\"><strong>Jak bude vypadat nov\u00e1 situace<\/strong><\/h2>\n\n\n\n<p>Novela z\u00e1kona, kterou p\u0159edkl\u00e1d\u00e1 ministerstvo financ\u00ed po dohod\u011b s \u010ceskou bankovn\u00ed asociac\u00ed, op\u011bt p\u0159istupuje ke stavu, kter\u00fd zn\u00e1me z minulosti. <strong>Banky si budou moci \u00fa\u010dtovat k administrativn\u00edm n\u00e1klad\u016fm (cca 1 000 K\u010d) tak\u00e9 \u010d\u00e1st \u00farok\u016f.<\/strong><\/p>\n\n\n\n<p>Jejich v\u00fd\u0161e se vypo\u010d\u00edt\u00e1 jako rozd\u00edl mezi \u00farokem zaplacen\u00fdm do konce fixace a referen\u010dn\u00edm \u00farokem, kter\u00fd bude zve\u0159ej\u0148ovat \u010cNB na m\u011bs\u00ed\u010dn\u00ed b\u00e1zi. <strong>Klient by ale nem\u011bl zaplatit v\u00edc ne\u017e 2 % z p\u0159ed\u010dasn\u011b splacen\u00e9 jistiny.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-nov-p-ibudou-dal-pozitiva-pro-klienty\"><strong>Nov\u011b p\u0159ibudou dal\u0161\u00ed pozitiva pro klienty<\/strong><\/h2>\n\n\n\n<p>Roz\u0161\u00ed\u0159\u00ed se mo\u017enosti bezplatn\u00e9ho splacen\u00ed hypot\u00e9ky:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>V p\u0159\u00edpad\u011b prodeje nemovitosti, kde v\u00e1zne z\u00e1stavn\u00ed pr\u00e1vo pro hypot\u00e9ku.<\/li>\n\n\n\n<li>Jednor\u00e1zov\u00e9 splacen\u00ed p\u0159i <strong>vypo\u0159\u00e1d\u00e1n\u00ed spole\u010dn\u00e9ho jm\u011bn\u00ed man\u017eel\u016f<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>Platnost novely z\u00e1kona je pl\u00e1nov\u00e1na od 1. 1. 2024. <strong>Ale pozor \u2013 nov\u00e1 pravidla se budou vztahovat na v\u0161echny hypot\u00e9ky i zp\u011btn\u011b.<\/strong> Tedy i na ty, kter\u00e9 si klienti sjednali p\u0159ed nabyt\u00edm \u00fa\u010dinnosti novely z\u00e1kona.<\/p>\n\n\n\n<p>Pokud pot\u0159ebujete poradit s hypote\u010dn\u00edm \u00fav\u011brem, <a href=\"https:\/\/www.fingo.cz\/kontakty\">nev\u00e1hejte se obr\u00e1tit na na\u0161e poradce<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Op\u011btovn\u00e9 zaveden\u00ed poplatk\u016f za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky u\u017e dost\u00e1v\u00e1 fin\u00e1ln\u00ed podobu. P\u0159ipravovanou novelu z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru schv\u00e1lila vl\u00e1da za\u010d\u00e1tkem \u010dervna, parlament by ji m\u011bl projednat do konce \u010dervna. P\u0159ipravme se tedy na to, \u017ee se na stran\u011b klient\u016f op\u011bt nav\u00fd\u0161\u00ed n\u00e1klady p\u0159i p\u0159ed\u010dasn\u00e9m splacen\u00ed hypot\u00e9ky. T\u00fdk\u00e1 se to hlavn\u011b p\u0159\u00edpad\u016f, kdy hypot\u00e9ku splat\u00edte mimo fixaci dohodnutou v \u00fav\u011brov\u00e9 smlouv\u011b. Klienti toti\u017e refinancuj\u00ed sv\u00e9 hypot\u00e9ky zejm\u00e9na v dob\u011b klesaj\u00edc\u00edch \u00farok\u016f a p\u0159ech\u00e1z\u00ed do jin\u00e9 banky, kde z\u00edskaj\u00ed lep\u0161\u00ed \u00farokovou sazbu.&nbsp; V\u0161ichni tuto novelu z\u00e1kona vn\u00edmaj\u00ed jako f\u00e9rovou a kvituj\u00ed sjednocen\u00ed postupu. M\u011blo by se tak zamezit nep\u0159ehledn\u00e9 situaci, kterou zn\u00e1me z minulosti. N\u011bkter\u00e9 banky klient\u016fm \u00fa\u010dtovaly nep\u0159im\u011b\u0159en\u00e9 poplatky, za co\u017e padly i tvrd\u00e9 pokuty. Nakonec i pro klienty budou podm\u00ednky po novele srozumiteln\u011bj\u0161\u00ed. Aktu\u00e1ln\u00ed poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky Banky dnes cht\u011bj\u00ed po klientech v\u017edy zaplatit takzvan\u00e9 \u00fa\u010deln\u011b vynalo\u017een\u00e9 n\u00e1klady. Podle v\u00fdkladu \u010cNB jsou to \u201ep\u0159edev\u0161\u00edm n\u00e1klady administrativn\u00ed povahy\u201c. Jedn\u00e1 se tedy v\u011bt\u0161inou o 1 000 K\u010d.&nbsp; V sou\u010dasnosti m\u016f\u017eete p\u0159ed\u010dasn\u011b splatit hypot\u00e9ku bez dal\u0161\u00edch poplatk\u016f v t\u011bchto p\u0159\u00edpadech: Jak bude vypadat nov\u00e1 situace Novela z\u00e1kona, kterou p\u0159edkl\u00e1d\u00e1 ministerstvo financ\u00ed po dohod\u011b s \u010ceskou bankovn\u00ed asociac\u00ed, op\u011bt p\u0159istupuje ke stavu, kter\u00fd zn\u00e1me z minulosti. Banky si budou moci \u00fa\u010dtovat k [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":1519,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[13,88],"class_list":["post-1517","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hypoteky","tag-jana-vaisova","tag-predcasne-splaceni-hypoteky"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Zm\u011bna s poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Vl\u00e1da pl\u00e1nuje op\u011btovn\u00e9 zaveden\u00ed poplatk\u016f za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky. Novela z\u00e1kona u\u017e z\u00edsk\u00e1v\u00e1 fin\u00e1ln\u00ed podobu. 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