{"id":1613,"date":"2023-07-17T14:16:52","date_gmt":"2023-07-17T13:16:52","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1613"},"modified":"2023-07-18T08:50:58","modified_gmt":"2023-07-18T07:50:58","slug":"konci-vam-fixace-hypoteky-tipy-jak-si-snizit-splatky","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/konci-vam-fixace-hypoteky-tipy-jak-si-snizit-splatky\/","title":{"rendered":"Kon\u010d\u00ed v\u00e1m fixace hypot\u00e9ky? Tipy, jak si sn\u00ed\u017eit spl\u00e1tky"},"content":{"rendered":"\n<p>Hypot\u00e9ka je dlouhodob\u00fd z\u00e1vazek, kter\u00fd spl\u00e1c\u00edte klidn\u011b 30 let. Mus\u00edte tedy po\u010d\u00edtat s mnoha situacemi, kter\u00e9 b\u011bhem toho m\u016f\u017eou nastat. Sazby se m\u011bn\u00ed, vzrostla inflace, trh s nemovitostmi stagnuje\u2026 Pokud m\u00e1te uzav\u0159enou smlouvu s fixac\u00ed, \u010dek\u00e1 v\u00e1s jist\u011b doba, kdy fixace hypot\u00e9ky skon\u010d\u00ed. A mo\u017en\u00e1 si kladete ot\u00e1zku, co potom.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-delka-fixace-hypoteky\"><strong>D\u00e9lka fixace hypot\u00e9ky<\/strong><\/h2>\n\n\n\n<p>V \u010cesku lid\u00e9 <strong>nej\u010dast\u011bji vol\u00ed fixaci na 5 let<\/strong>. M\u016f\u017eete ji m\u00edt ale t\u0159eba jen ro\u010dn\u00ed nebo tak\u00e9 10letou. D\u00e9lka fixace by m\u011bla v\u017edy odpov\u00eddat situaci, ve kter\u00e9 se nach\u00e1z\u00edte. Zva\u017ete tak\u00e9, jak\u00e1 m\u00e1te o\u010dek\u00e1v\u00e1n\u00ed do budoucna \u2013 jestli rad\u011bji riskujete, nebo u v\u00e1s sazba tolik nerozhoduje a chcete m\u00edt sp\u00ed\u0161 klid.<\/p>\n\n\n\n<p>V sou\u010dasn\u00e9 dob\u011b, kdy jsou sazby hypot\u00e9k na vrcholu, nem\u00e1 smysl volit fixaci na 7 \u2013 10 let. <strong>Aktu\u00e1ln\u00ed situace nab\u00e1d\u00e1 sp\u00ed\u0161e ke krat\u0161\u00ed fixaci \u2013 ide\u00e1ln\u011b na 3 roky.<\/strong> Progn\u00f3zy \u0159\u00edkaj\u00ed, \u017ee pr\u00e1v\u011b do 3 let sazby klesnou. Proto tato d\u00e9lka fixace d\u00e1v\u00e1 nejv\u011bt\u0161\u00ed smysl.<\/p>\n\n\n\n<p>Nejv\u00fdhodn\u011bj\u0161\u00ed sazby banky standardn\u011b nab\u00edz\u00ed p\u0159i fixaci na 5 let. D\u00e1 se \u0159\u00edct, \u017ee v t\u00e9to kategorii se banky o klienty p\u0159etahuj\u00ed a nab\u00edz\u00ed jim \u201eak\u010dn\u00ed sazby\u201c na ur\u010dit\u00e9 obdob\u00ed. M\u016f\u017eete se tak dostat i <strong>pod \u00farok 5,5 %<\/strong>.<\/p>\n\n\n\n<p>Oproti tomu fixace na 1 rok aktu\u00e1ln\u011b velk\u00fd smysl ned\u00e1v\u00e1, proto\u017ee sn\u00ed\u017een\u00ed z\u00e1kladn\u00ed sazby se ne\u010dek\u00e1 tak rychle. Nav\u00edc je ro\u010dn\u00ed fixace drah\u00e1 \u2013 dost\u00e1v\u00e1me se a\u017e k 7% sazb\u011b.<\/p>\n\n\n\n<p><\/p>\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\"><strong>Jak se p\u0159ipravit na konec fixace hypot\u00e9ky<\/strong><\/h2>\n\n\n\n<p>Pokud V\u00e1m kon\u010d\u00ed fixace za rok nebo dva, m\u00e1te dost \u010dasu se na to p\u0159ipravit a rozhodnout se, co je pro v\u00e1s na dal\u0161\u00ed obdob\u00ed d\u016fle\u017eit\u00e9. Priority, kter\u00e9 jste m\u011bli na za\u010d\u00e1tku hypot\u00e9ky, u\u017e toti\u017e nemus\u00ed platit. M\u016f\u017eete m\u00edt jin\u00e9 po\u017eadavky a p\u0159\u00e1n\u00ed, jinou finan\u010dn\u00ed i rodinnou situaci.<\/p>\n\n\n\n<p><strong>V z\u00e1sad\u011b m\u016f\u017ee nastat n\u011bkter\u00e1 z t\u011bchto 3 situac\u00ed:<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. <strong>Po\u010dk\u00e1te na konec fixace<\/strong><\/h3>\n\n\n\n<p>Sami nebudete nic d\u011blat a po\u010dk\u00e1te si, a\u017e v\u00e1s banka sama oslov\u00ed s novou sazbou a nab\u00eddkou fixace. Je to pohodln\u00e9, ale m\u016f\u017eete b\u00fdt nep\u0159\u00edjemn\u011b p\u0159ekvapen\u00ed. Nov\u00e1 sazba <strong>nejsp\u00ed\u0161 nebude tak v\u00fdhodn\u00e1<\/strong>, jakou by v\u00e1m nab\u00eddla konkurence.Banka v\u00e1m nav\u00edc ned\u00e1 moc \u010dasu na rozhodnut\u00ed. A dokonce se m\u016f\u017ee st\u00e1t, \u017ee v\u00e1s neoslov\u00ed v\u016fbec.<\/p>\n\n\n\n<p>Pak je d\u016fle\u017eit\u00e9, abyste se <strong>o novou sazbu sami zaj\u00edmali minim\u00e1ln\u011b m\u011bs\u00edc p\u0159ed koncem fixace<\/strong>. Sta\u010d\u00ed do banky napsat e-mail. Kdy\u017e to odlo\u017e\u00edte, u\u017e m\u016f\u017ee b\u00fdt pozd\u011b na p\u0159echod do jin\u00e9 banky.<\/p>\n\n\n\n<p>Pokud z\u016fstanete d\u00e1l u stejn\u00e9 banky, m\u00e1 to sv\u00e9 v\u00fdhody: nemus\u00edte m\u011bnit p\u0159edm\u011bt z\u00e1stavy, nemus\u00edte znovu dokl\u00e1dat svou bonitu a vyhnete se nutn\u00fdm poplatk\u016fm.<\/p>\n\n\n\n<p><strong>Tip: <\/strong>Kdy\u017e b\u011bhem trv\u00e1n\u00ed hypot\u00e9ky z\u016fstanete ve spojen\u00ed se sv\u00fdm poradcem z FinGO, m\u016f\u017eete s n\u00edm situaci pravideln\u011b konzultovat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Zv\u00e1\u017e\u00edte refinancov\u00e1n\u00ed<\/strong><\/h3>\n\n\n\n<p>N\u00e1\u0161 hypote\u010dn\u00ed specialista v\u00e1m <strong>zdarma porovn\u00e1 nab\u00edzen\u00e9 sazby ve v\u0161ech bank\u00e1ch<\/strong>. Vy si pak vyberete tu, kter\u00e1 v\u00e1m nejv\u00edc vyhovuje. Odborn\u00edk v\u00e1m doporu\u010d\u00ed i nejv\u00fdhodn\u011bj\u0161\u00ed dobu nov\u00e9 fixace v z\u00e1vislosti na situaci na trhu.<\/p>\n\n\n\n<p>Novou hypot\u00e9ku na refinancov\u00e1n\u00ed m\u016f\u017eete sjednat a\u017e 3 roky dop\u0159edu. Nav\u00edc si m\u016f\u017eete <strong>prodlou\u017eit dobu splatnosti o n\u011bkolik let<\/strong> \u2013 t\u00edm si rozlo\u017e\u00edte spl\u00e1tky, kter\u00e9 pak budou o n\u011bco ni\u017e\u0161\u00ed. Jen si dejte pozor na splatnost, kter\u00e1 mus\u00ed b\u00fdt st\u00e1le do v\u011bku 70 let, p\u0159\u00edpadn\u011b mus\u00edte p\u0159idat mlad\u0161\u00edho spoludlu\u017en\u00edka. P\u0159i refinancov\u00e1n\u00ed m\u016f\u017eete <a href=\"https:\/\/www.fingo.cz\/blog\/navyseni-hypoteky\/\">hypot\u00e9ku i nav\u00fd\u0161it<\/a>. To se hod\u00ed, pokud pot\u0159ebujete pen\u00edze nap\u0159\u00edklad na modernizaci bydlen\u00ed.<\/p>\n\n\n\n<p>P\u0159i refinancov\u00e1n\u00ed do jin\u00e9 banky se ale p\u0159ipravte na to, \u017ee <strong>mus\u00edte dokl\u00e1dat svou bonitu a m\u00edt <\/strong><a href=\"https:\/\/www.fingo.cz\/blog\/proc-je-potreba-zastava-nemovitosti-na-hypoteku\/\"><strong>dostate\u010dnou z\u00e1stavu<\/strong><\/a>. Krom\u011b toho se nevyhnete nutn\u00fdm poplatk\u016fm \u2013 nap\u0159\u00edklad za vklad do katastru nemovitost\u00ed.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background\"><strong>Tip:<\/strong> Bonitu za v\u00e1s dok\u00e1\u017eeme jednodu\u0161e ov\u011b\u0159it a\u017e u 9 poskytovatel\u016f hypot\u00e9k.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Hypot\u00e9ku nebo jej\u00ed \u010d\u00e1st zdarma splat\u00edte<\/strong><\/h3>\n\n\n\n<p>V\u00fdro\u010d\u00ed smlouvy m\u016f\u017eete vyu\u017e\u00edt ke <strong>splacen\u00ed a\u017e 25 % z celkov\u00e9 v\u00fd\u0161e dluhu<\/strong>, p\u0159\u00edpadn\u011b <a href=\"https:\/\/www.fingo.cz\/blog\/poplatky-za-predcasne-splaceni-hypoteky-jsou-znovu-na-obzoru\/\">hypot\u00e9ku doplatit<\/a>. A to zcela bezplatn\u011b. Tuto mo\u017enost ale moc klient\u016f nevyu\u017e\u00edv\u00e1, sp\u00ed\u0161e se p\u0159ikl\u00e1n\u00ed k refinancov\u00e1n\u00ed. Pro v\u011bt\u0161inu lid\u00ed toti\u017e ned\u00e1v\u00e1 smysl vydat se ze v\u0161ech \u00faspor, kter\u00e9 pot\u0159ebuj\u00ed t\u0159eba na koupi nov\u00e9ho auta, na dovolenou nebo jin\u00e9 pot\u0159eby rodiny.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Jak si sn\u00ed\u017eit budouc\u00ed spl\u00e1tky hypot\u00e9ky<\/strong><\/h2>\n\n\n\n<p>Z\u00e1kladn\u00ed pravidlo zn\u00ed \u2013 sledovat d\u011bn\u00ed na trhu. Na\u0161t\u011bst\u00ed to nemus\u00edte d\u011blat sami, r\u00e1d v\u00e1m s t\u00edm pom\u016f\u017ee hypote\u010dn\u00ed specialista FinGO. Na\u0161i odborn\u00edci <strong>maj\u00ed p\u0159ehled o sazb\u00e1ch v r\u016fzn\u00fdch bank\u00e1ch<\/strong> a doporu\u010d\u00ed v\u00e1m ten nejv\u00fdhodn\u011bj\u0161\u00ed \u010das na refinancov\u00e1n\u00ed. V\u011bt\u0161inou toti\u017e dop\u0159edu v\u00ed, kter\u00e1 banka zlevn\u00ed, nebo naopak zdra\u017e\u00ed.&nbsp;<\/p>\n\n\n\n<p>\u0160t\u011bst\u00ed p\u0159eje p\u0159ipraven\u00fdm. Na posledn\u00ed chv\u00edli se refinancuje t\u011b\u017eko a nemus\u00edte to ani stihnout.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>P<\/strong><strong>\u0159\u00edklad nov\u00e9 spl\u00e1tky hypot\u00e9ky<\/strong><\/h3>\n\n\n\n<p>Pro lep\u0161\u00ed p\u0159edstavu vych\u00e1zejme z tohoto p\u0159\u00edkladu:&nbsp;<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background\">Klient si bral v roce 2018 hypot\u00e9ku ve v\u00fd\u0161i 3,5 milionu K\u010d s fixac\u00ed na 5 let. Jeho sazba byla na \u00farovni 2,5 % a spl\u00e1cel 14 tis\u00edc K\u010d m\u011bs\u00ed\u010dn\u011b. V roce 2023 mu skon\u010dila fixace. Nyn\u00ed dostane sazbu 6 %. Nov\u00e1 spl\u00e1tka bude tedy 21 tis\u00edc K\u010d (o 7 tis\u00edc K\u010d m\u011bs\u00ed\u010dn\u011b vy\u0161\u0161\u00ed), co\u017e je pom\u011brn\u011b velk\u00fd rozd\u00edl.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/07\/Vyse-splatky-po-5lete-fixaci.png\" alt=\"\" class=\"wp-image-1616\" width=\"840\" height=\"630\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/07\/Vyse-splatky-po-5lete-fixaci.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/07\/Vyse-splatky-po-5lete-fixaci-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/07\/Vyse-splatky-po-5lete-fixaci-768x576.png 768w\" sizes=\"(max-width: 840px) 100vw, 840px\" \/><\/figure>\n\n\n\n<p>Klient m\u00e1 tyto mo\u017enosti \u0159e\u0161en\u00ed:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. <strong>D\u00e9lku spl\u00e1cen\u00ed si prodlou\u017e\u00ed a\u017e na 30 let a sn\u00ed\u017e\u00ed si tak m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku<\/strong><\/h3>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background\"><strong>P\u0159\u00edklad:<\/strong> V roce 2023 je jeho jistina u\u017e jen ve v\u00fd\u0161i 3 milion\u016f K\u010d. \u00darokov\u00e1 sazba je 6 %, spl\u00e1tka tedy bude 17 800 K\u010d.<\/p>\n\n\n\n<p>Tato mo\u017enost se hod\u00ed sp\u00ed\u0161 pro mlad\u00e9 klienty, proto\u017ee splatnost je maxim\u00e1ln\u011b do 70 let v\u011bku. Klienti nad 40 let by do z\u00e1vazku museli p\u0159idat mlad\u0161\u00edho spolu\u017eadatele, kter\u00fd m\u00e1 dostate\u010dn\u00fd p\u0159\u00edjem na to, aby hypot\u00e9ku spl\u00e1cel.<\/p>\n\n\n\n<p>N\u011bkter\u00e9 banky nab\u00edz\u00ed takzvanou \u201e\u0161tafetovou hypot\u00e9ku\u201d, kdy <strong>z\u00e1vazek p\u0159evezmou d\u011bti p\u016fvodn\u00edch dlu\u017en\u00edk\u016f<\/strong>.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/07\/Pordlouz\u030ceni\u0301-doby-splatnosti.png\" alt=\"Uk\u00e1zka v\u00fd\u0161e spl\u00e1tek p\u0159i prodlou\u017een\u00ed doby spl\u00e1cen\u00ed\" class=\"wp-image-1624\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/07\/Pordlouz\u030ceni\u0301-doby-splatnosti.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/07\/Pordlouz\u030ceni\u0301-doby-splatnosti-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/07\/Pordlouz\u030ceni\u0301-doby-splatnosti-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">2. <strong>Provede mimo\u0159\u00e1dnou spl\u00e1tku<\/strong><\/h3>\n\n\n\n<p>Mimo\u0159\u00e1dn\u00e1 spl\u00e1tka sn\u00ed\u017e\u00ed jistinu a spl\u00e1tky tak budou ni\u017e\u0161\u00ed. Je ale celkem riskantn\u00ed zbavit se v\u0161ech \u00faspor. Ka\u017ed\u00fd klient to proto mus\u00ed d\u016fkladn\u011b zv\u00e1\u017eit.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background\"><strong>P\u0159\u00edklad: <\/strong>Klient m\u00e1 v roce 2023 jistinu ve v\u00fd\u0161i 3 milion\u016f K\u010d. 500 tis\u00edc K\u010d uhrad\u00ed jako mimo\u0159\u00e1dnou spl\u00e1tku a v\u00fdsledn\u00e1 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka pak vych\u00e1z\u00ed na 15 tis\u00edc K\u010d.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/07\/Mimoradna-splatka-hypoteky.png\" alt=\"Uk\u00e1zka zm\u011bny m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky po mimo\u0159\u00e1dn\u00e9 spl\u00e1tce hypot\u00e9ky\" class=\"wp-image-1618\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/07\/Mimoradna-splatka-hypoteky.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/07\/Mimoradna-splatka-hypoteky-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/07\/Mimoradna-splatka-hypoteky-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Jak se po skon\u010den\u00ed fixace hypot\u00e9ky rozhodnout<\/strong><\/h2>\n\n\n\n<p>V\u017edy si dop\u0159edu \u0159ekn\u011bte, co od refinancov\u00e1n\u00ed o\u010dek\u00e1v\u00e1te. Pokud v\u00e1m vad\u00ed, \u017ee p\u0159i del\u0161\u00edm spl\u00e1cen\u00ed d\u00e1te ve v\u00fdsledku v\u00edce za \u00faroky, pak pro v\u00e1s nebude prodlou\u017een\u00ed splatnosti t\u00edm prav\u00fdm.<\/p>\n\n\n\n<p>Pokud ale pot\u0159ebujete co nejni\u017e\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku, prodlou\u017een\u00e1 splatnost spln\u00ed va\u0161e o\u010dek\u00e1v\u00e1n\u00ed.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Tipy, jak se na konec fixace hypot\u00e9ky p\u0159ipravit<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vytvo\u0159te si <a href=\"https:\/\/www.fingo.cz\/blog\/fingo-radi-jak-na-zdrave-rodinne-finance\/\">finan\u010dn\u00ed rezervu<\/a>.<\/li>\n\n\n\n<li>Spo\u0159te na mimo\u0159\u00e1dn\u00e9 spl\u00e1tky hypot\u00e9ky, abyste mohli sn\u00ed\u017eit dluh.<\/li>\n\n\n\n<li>V\u010das se zaj\u00edmejte o sv\u00e9 mo\u017enosti.<\/li>\n\n\n\n<li>Bu\u010fte v <a href=\"https:\/\/www.fingo.cz\/kontakty\">kontaktu s hypote\u010dn\u00edm poradce FinGO<\/a> a nechte si spo\u010d\u00edtat novou v\u00fd\u0161i spl\u00e1tek.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Hypot\u00e9ka je dlouhodob\u00fd z\u00e1vazek, kter\u00fd spl\u00e1c\u00edte klidn\u011b 30 let. Mus\u00edte tedy po\u010d\u00edtat s mnoha situacemi, kter\u00e9 b\u011bhem toho m\u016f\u017eou nastat. Sazby se m\u011bn\u00ed, vzrostla inflace, trh s nemovitostmi stagnuje<\/p>\n","protected":false},"author":9,"featured_media":1615,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[91,13,44],"class_list":["post-1613","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hypoteky","tag-fixace-hypoteky","tag-jana-vaisova","tag-mimoradna-splatka"],"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>Kon\u010d\u00ed v\u00e1m fixace hypot\u00e9ky? Tipy, jak si sn\u00ed\u017eit spl\u00e1tky - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"P\u0159ipravte se na konec fixace hypot\u00e9ky v\u010das. 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Tipy, jak si sn\u00ed\u017eit spl\u00e1tky"}]},{"@type":"WebSite","@id":"https:\/\/www.fingo.cz\/blog\/#website","url":"https:\/\/www.fingo.cz\/blog\/","name":"Blog FinGO.cz","description":"","publisher":{"@id":"https:\/\/www.fingo.cz\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fingo.cz\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"cs"},{"@type":"Organization","@id":"https:\/\/www.fingo.cz\/blog\/#organization","name":"Fingo.cz","alternateName":"Nez\u00e1visl\u00e9 finan\u010dn\u00ed slu\u017eby - Fingo.cz","url":"https:\/\/www.fingo.cz\/blog\/","logo":{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.fingo.cz\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/logo.png","contentUrl":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/logo.png","width":300,"height":118,"caption":"Fingo.cz"},"image":{"@id":"https:\/\/www.fingo.cz\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/fingo.cz\/","https:\/\/x.com\/fingocz","https:\/\/www.youtube.com\/channel\/UCGwO0jxau7AaMq0gKUcCh7A","https:\/\/www.linkedin.com\/company\/fingo-cz\/"]},{"@type":"Person","@id":"https:\/\/www.fingo.cz\/blog\/#\/schema\/person\/efd0cb45244498b47386dbd21c9b0a3c","name":"Jana Vaisov\u00e1","image":{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/08\/cropped-jana_vaisova-96x96.png","url":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/08\/cropped-jana_vaisova-96x96.png","contentUrl":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/08\/cropped-jana_vaisova-96x96.png","caption":"Jana Vaisov\u00e1"},"description":"V bankovnictv\u00ed a v oblasti hypot\u00e9k se pohybuje ji\u017e od roku 1996 na r\u016fzn\u00fdch mana\u017eersk\u00fdch, metodick\u00fdch a obchodn\u00edch pozic\u00edch. 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