{"id":1815,"date":"2023-10-30T11:10:24","date_gmt":"2023-10-30T10:10:24","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1815"},"modified":"2024-12-16T11:26:20","modified_gmt":"2024-12-16T10:26:20","slug":"konec-fixace-hypoteky-2023-velky-pruvodce","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/konec-fixace-hypoteky-2023-velky-pruvodce\/","title":{"rendered":"Konec fixace hypot\u00e9ky: velk\u00fd pr\u016fvodce"},"content":{"rendered":"\n<p>Pro v\u0161echny, kter\u00e9 v tomto roce \u010dek\u00e1 nastaven\u00ed nov\u00e9 fixace \u00farokov\u00e9 sazby hypot\u00e9ky, jsme sepsali \u0159adu tip\u016f a rad, jak postupovat a nep\u0159epl\u00e1cet v\u00edce, ne\u017e je nutn\u00e9. Doporu\u010dujeme se na tuto situaci p\u0159ipravit, proto\u017ee sazby jsou podstatn\u011b hor\u0161\u00ed ne\u017e p\u0159ed 2\u20133 roky.<\/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=\"#h-co-je-fixace-hypoteky\">Co je fixace hypot\u00e9ky<\/a><\/li><li class=\"\"><a href=\"#htoc-jakou-zvolit-d-lku-fixace\">Jakou zvolit d\u00e9lku fixace<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-jsou-aktu-ln-rokov-sazby-pro-hypot-ku\">Jak\u00e9 jsou aktu\u00e1ln\u00ed \u00farokov\u00e9 sazby pro hypot\u00e9ku<\/a><\/li><li class=\"\"><a href=\"#htoc-bl-se-v-m-konec-fixace-pak-m-te-n-sleduj-c-mo-nosti\">Bl\u00ed\u017e\u00ed se v\u00e1m konec fixace? Pak m\u00e1te n\u00e1sleduj\u00edc\u00ed mo\u017enosti<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-plynul-nav-z-n-na-novou-nab-dku-va-banky\">1. Plynul\u00e9 nav\u00e1z\u00e1n\u00ed na novou nab\u00eddku va\u0161\u00ed banky<\/a><\/li><li class=\"\"><a href=\"#htoc-refinancov-n-hypot-ky-v-dob-fixace\">2. Refinancov\u00e1n\u00ed hypot\u00e9ky v dob\u011b fixace<\/a><\/li><li class=\"\"><a href=\"#htoc-splacen-hypot-ky-v-dob-fixace\">3. Splacen\u00ed hypot\u00e9ky v dob\u011b fixace<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#htoc-jsou-pro-v-s-nov-spl-tky-p-li-vysok\">Jsou pro v\u00e1s nov\u00e9 spl\u00e1tky p\u0159\u00edli\u0161 vysok\u00e9?<\/a><\/li><li class=\"\"><a href=\"#htoc-jana-vaisov-hypote-n-specialistka-fingo-rad\">Co rad\u00ed Jana Vaisov\u00e1, hypote\u010dn\u00ed specialistka FinGO?<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-co-je-fixace-hypoteky\"><strong>Co je fixace hypot\u00e9ky<\/strong><\/h2>\n\n\n\n<p><strong>Fixace hypot\u00e9ky <\/strong>je obdob\u00ed, po kter\u00e9 je pevn\u011b stanoven\u00e1 <strong>\u00farokov\u00e1 sazba<\/strong> a dal\u0161\u00ed podm\u00ednky <strong>hypote\u010dn\u00edho \u00fav\u011bru<\/strong>. B\u00fdv\u00e1 obvykle 1, 3, 5 nebo 7 a\u017e 10 let. Za dobu trv\u00e1n\u00ed hypot\u00e9ky se tedy tyto parametry n\u011bkolikr\u00e1t p\u0159enastav\u00ed. Pr\u00e1v\u011b pro ty, kter\u00e9 nyn\u00ed \u010dek\u00e1 nastaven\u00ed nov\u00e9 fixace, p\u0159in\u00e1\u0161\u00edme rady, jak postupovat, p\u0159\u00edpadn\u011b si <strong>sn\u00ed\u017eit m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky<\/strong> a optimalizovat si hypote\u010dn\u00ed smlouvu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jakou-zvolit-d-lku-fixace\"><strong>Jakou zvolit d\u00e9lku fixace<\/strong><\/h2>\n\n\n\n<p>Volba mezi krat\u0161\u00edmi a del\u0161\u00edmi fixacemi z\u00e1vis\u00ed p\u0159ev\u00e1\u017en\u011b na <a href=\"https:\/\/www.fingo.cz\/blog\/hypotecni-trh-soucasnost-a-vyhlidky-do-budoucna\/\">budouc\u00edm v\u00fdvoji ekonomiky<\/a>. Pokud jsou \u00farokov\u00e9 sazby na vrcholu jako te\u010f, nem\u00e1 smysl volit dlouhodobou fixaci t\u0159eba na 7\u201310 let. Oproti tomu fixace na 1 rok tak\u00e9 aktu\u00e1ln\u011b pozbyla smysl, proto\u017ee se neo\u010dek\u00e1v\u00e1, \u017ee by se sn\u00ed\u017een\u00ed z\u00e1kladn\u00ed sazby dostavilo tak rychle. Nab\u00edzen\u00e9 \u00farokov\u00e9 sazby se m\u016f\u017eou li\u0161it i podle zvolen\u00e9 d\u00e9lky fixace. \u010c\u00edm krat\u0161\u00ed fixace, t\u00edm vy\u0161\u0161\u00ed \u00farok.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-jsou-aktu-ln-rokov-sazby-pro-hypot-ku\"><strong>Jak\u00e9 jsou aktu\u00e1ln\u00ed \u00farokov\u00e9 sazby pro hypot\u00e9ku<\/strong><\/h2>\n\n\n\n<p>Aktu\u00e1ln\u00ed ekonomick\u00e1 situace, kdy jsou sazby vy\u0161\u0161\u00ed, nazna\u010duje, \u017ee se sazby budou v&nbsp;n\u011bkolika n\u00e1sleduj\u00edc\u00edch letech sni\u017eovat. Z&nbsp;tohoto d\u016fvodu se doporu\u010duje <strong>zvolit sp\u00ed\u0161e krat\u0161\u00ed fixaci<\/strong>, nap\u0159\u00edklad t\u0159\u00edletou, abyste mohli n\u00e1sledovat klesaj\u00edc\u00ed trend sazeb. <strong>Nejv\u00fdhodn\u011bj\u0161\u00ed sazby<\/strong> nab\u00edzej\u00ed banky u p\u011btilet\u00fdch fixac\u00ed. D\u00e1 se \u0159\u00edci, \u017ee se v&nbsp;t\u00e9to kategorii o klienty doslova perou. Nab\u00edzej\u00ed r\u016fzn\u00e9 ak\u010dn\u00ed sazby a\u017e pod 5,5 %. Banky si tak zajist\u00ed loajalitu klienta na mnohem del\u0161\u00ed dobu. Dlouhodob\u00e1 fixace m\u016f\u017ee m\u00edt dobrou sazbu, ale nemus\u00ed se v\u00e1m vyplatit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-bl-se-v-m-konec-fixace-pak-m-te-n-sleduj-c-mo-nosti\"><strong>Bl\u00ed\u017e\u00ed se v\u00e1m konec fixace? Pak m\u00e1te n\u00e1sleduj\u00edc\u00ed mo\u017enosti<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-plynul-nav-z-n-na-novou-nab-dku-va-banky\">1. <strong>Plynul\u00e9 nav\u00e1z\u00e1n\u00ed na novou nab\u00eddku va\u0161\u00ed banky<\/strong><\/h3>\n\n\n\n<p>V takov\u00e9m p\u0159\u00edpad\u011b v\u00e1m banka nab\u00eddne novou sazbu a novou dobu fixace. M\u016f\u017eete ale b\u00fdt i nep\u0159\u00edjemn\u011b p\u0159ekvapen\u00ed t\u00edm, \u017ee nov\u00e1 sazba nebude tou nejni\u017e\u0161\u00ed, ba pr\u00e1v\u011b naopak. M\u016f\u017ee b\u00fdt i vy\u0161\u0161\u00ed, ne\u017e jakou by v\u00e1m nab\u00eddla konkurence, co\u017e je \u010dast\u00fd p\u0159\u00edpad. Banka v\u00e1m standardn\u011b na rozhodnut\u00ed ned\u00e1 moc \u010dasu, tak\u017ee je pot\u0159eba jednat rychle.<\/p>\n\n\n\n<p>V\u00fdhodou t\u00e9to varianty je, \u017ee nemus\u00edte m\u011bnit p\u0159edm\u011bt z\u00e1stavy, nemus\u00edte dokl\u00e1dat svou bonitu (p\u0159\u00edjem a v\u00fddaje) a vyhnete se nutn\u00fdm poplatk\u016fm.<\/p>\n\n\n\n<p>Dejte si ale pozor na to,&nbsp;\u017ee se n\u011bkdy m\u016f\u017ee st\u00e1t, \u017ee v\u00e1s banka neoslov\u00ed v\u016fbec.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-refinancov-n-hypot-ky-v-dob-fixace\">2. <strong>Refinancov\u00e1n\u00ed hypot\u00e9ky v dob\u011b fixace<\/strong><\/h3>\n\n\n\n<p>Nech\u00e1te si porovnat v\u0161echny nab\u00edzen\u00e9 sazby ve v\u0161ech bank\u00e1ch a vyberete si tu, kter\u00e1 v\u00e1m nejv\u00edc vyhovuje. \u00dakolem hypote\u010dn\u00edho specialisty je, aby po celou dobu sledoval d\u011bn\u00ed na trhu a detailn\u011b se vyznal v&nbsp;konkuren\u010dn\u00edch nab\u00eddk\u00e1ch.<\/p>\n\n\n\n<p>Doporu\u010d\u00ed v\u00e1m tak\u00e9 nejvhodn\u011bj\u0161\u00ed dobu nov\u00e9 fixace. <strong>Nov\u00e1 hypot\u00e9ka<\/strong> na refinancov\u00e1n\u00ed se d\u00e1 sjednat u\u017e t\u0159i roky dop\u0159edu. <strong>Refinancov\u00e1n\u00ed hypot\u00e9ky<\/strong> je v podstat\u011b nov\u00fd hypote\u010dn\u00ed \u00fav\u011br u jin\u00e9 banky, kter\u00fdm splat\u00edte ten p\u016fvodn\u00ed.<\/p>\n\n\n\n<p>P\u0159i <strong>refinancov\u00e1n\u00ed do jin\u00e9 banky<\/strong> se p\u0159ipravte tak\u00e9 na to, \u017ee mus\u00edte dokl\u00e1dat svoji <a href=\"https:\/\/www.fingo.cz\/blog\/bonita\/\"><strong>bonitu<\/strong><\/a>. Ve FinGO dok\u00e1\u017eeme bonitu ov\u011b\u0159it a\u017e u dev\u00edti poskytovatel\u016f. Pro refinancov\u00e1n\u00ed mus\u00edte m\u00edt i dostate\u010dnou z\u00e1stavu a samoz\u0159ejm\u011b se nevyhnete nutn\u00fdm poplatk\u016fm, t\u0159eba 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>Ve FinGO v\u00e1m porovn\u00e1me nab\u00eddky dev\u00edti nejv\u011bt\u0161\u00edch bank. Va\u0161e vyjedn\u00e1vac\u00ed pozice u st\u00e1vaj\u00edc\u00ed banky t\u00edm v\u00fdrazn\u011b pos\u00edl\u00ed a uvid\u00edte, jak se k tomu d\u00e1l poskytovatel \u00fav\u011bru postav\u00ed.<\/strong><\/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<h3 class=\"wp-block-heading\" id=\"htoc-splacen-hypot-ky-v-dob-fixace\">3. <strong>Splacen\u00ed hypot\u00e9ky v dob\u011b fixace<\/strong><\/h3>\n\n\n\n<p>Podle nov\u00e9ho Z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru m\u016f\u017eete v\u017edy vyu\u017e\u00edt <strong>v\u00fdro\u010d\u00ed smlouvy<\/strong> ke splacen\u00ed a\u017e 25 % z&nbsp;v\u00fd\u0161e dluhu zdarma, p\u0159\u00edpadn\u011b m\u016f\u017eete hypot\u00e9ku \u00fapln\u011b doplatit. Tuto mo\u017enost ov\u0161em mnoho lid\u00ed nevyu\u017e\u00edv\u00e1. Sp\u00ed\u0161e se p\u0159iklon\u00ed k&nbsp;refinancov\u00e1n\u00ed od banky, kter\u00e1 nab\u00eddne lep\u0161\u00ed podm\u00ednky. <strong>Pozor:<\/strong> P\u0159ipravuje se <a href=\"https:\/\/www.fingo.cz\/blog\/poplatky-za-predcasne-splaceni-hypoteky-jsou-znovu-na-obzoru\/\">novela z\u00e1kona<\/a>, kter\u00e1 by mohla znovu zav\u00e9st poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jsou-pro-v-s-nov-spl-tky-p-li-vysok\"><strong>Jsou pro v\u00e1s nov\u00e9 spl\u00e1tky p\u0159\u00edli\u0161 vysok\u00e9?<\/strong><\/h2>\n\n\n\n<p>M\u016f\u017eete zvolit <strong>prodlou\u017een\u00ed doby spl\u00e1cen\u00ed hypot\u00e9ky<\/strong>, \u010d\u00edm\u017e se <a href=\"https:\/\/www.fingo.cz\/blog\/konci-vam-fixace-hypoteky-tipy-jak-si-snizit-splatky\/\">sn\u00ed\u017e\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky<\/a>, ale zvy\u0161uj\u00ed se celkov\u00e9 n\u00e1klady na \u00faroky. Tato volba je vhodn\u00e1 pro ty, kte\u0159\u00ed pot\u0159ebuj\u00ed kr\u00e1tkodob\u011b sn\u00ed\u017eit z\u00e1t\u011b\u017e spl\u00e1tek. Jen je pot\u0159eba si d\u00e1t pozor, aby byla splatnost do v\u011bku 70 let (jen v\u00fdjime\u010dn\u011b 72 let). Pokud by splatnost m\u011bla b\u00fdt do vy\u0161\u0161\u00edho v\u011bku, museli byste do smlouvy p\u0159idat spoludlu\u017en\u00edka, kter\u00fd bude mlad\u0161\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jana-vaisov-hypote-n-specialistka-fingo-rad\">Co rad\u00ed <strong>Jana Vaisov\u00e1, hypote\u010dn\u00ed specialistka FinGO?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-pokud-si-s-koncem-fixace-nev-te-rady-obra-te-se-na-specialistu-kter-se-na-hypote-n-m-trhu-orientuje-pom-e-v-m-se-v-aktu-ln-situaci-zorientovat-a-navrhne-ide-ln-e-en\">Pokud si s koncem fixace nev\u00edte rady, obra\u0165te se na specialistu, kter\u00fd se na hypote\u010dn\u00edm trhu orientuje. Pom\u016f\u017ee v\u00e1m se v aktu\u00e1ln\u00ed situaci zorientovat a navrhne ide\u00e1ln\u00ed \u0159e\u0161en\u00ed.<\/li>\n\n\n\n<li id=\"htoc-proaktivn-p-stup-je-kl-ov-m-jte-na-pam-ti-term-n-konce-fixace-a-v-as-kontaktujte-sv-ho-hypote-n-ho-poradce-banky-u-m-ou-nab-zet-nov-podm-nky-a-sazby-a-tak-je-d-le-it-v-p-edstihu-v-e-zjistit\">Proaktivn\u00ed p\u0159\u00edstup je kl\u00ed\u010dov\u00fd. M\u011bjte na pam\u011bti term\u00edn konce fixace a v\u010das kontaktujte sv\u00e9ho hypote\u010dn\u00edho poradce. Banky u\u017e m\u016f\u017eou nab\u00edzet nov\u00e9 podm\u00ednky a sazby, a tak je d\u016fle\u017eit\u00e9 v p\u0159edstihu v\u0161e zjistit.<\/li>\n<\/ul>\n\n\n\n<p>Pokud si nejste jisti ohledn\u011b konce fixace a dal\u0161\u00edho postupu s&nbsp;hypote\u010dn\u00ed smlouvou, <a href=\"https:\/\/www.fingo.cz\/kontakty\">pom\u016f\u017eeme v\u00e1m<\/a> s&nbsp;rozhodov\u00e1n\u00edm a u\u010din\u011bn\u00edm t\u011bch spr\u00e1vn\u00fdch krok\u016f.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pro v\u0161echny, kter\u00e9 v tomto roce \u010dek\u00e1 nastaven\u00ed nov\u00e9 fixace \u00farokov\u00e9 sazby hypot\u00e9ky, jsme sepsali \u0159adu tip\u016f a rad, jak postupovat a nep\u0159epl\u00e1cet v\u00edce, ne\u017e je nutn\u00e9. Doporu\u010dujeme se na tuto situaci p\u0159ipravit, proto\u017ee sazby jsou podstatn\u011b hor\u0161\u00ed ne\u017e p\u0159ed 2\u20133 roky. Co je fixace hypot\u00e9ky Fixace hypot\u00e9ky je obdob\u00ed, po kter\u00e9 je pevn\u011b stanoven\u00e1 \u00farokov\u00e1 sazba a dal\u0161\u00ed podm\u00ednky hypote\u010dn\u00edho \u00fav\u011bru. B\u00fdv\u00e1 obvykle 1, 3, 5 nebo 7 a\u017e 10 let. Za dobu trv\u00e1n\u00ed hypot\u00e9ky se tedy tyto parametry n\u011bkolikr\u00e1t p\u0159enastav\u00ed. Pr\u00e1v\u011b pro ty, kter\u00e9 nyn\u00ed \u010dek\u00e1 nastaven\u00ed nov\u00e9 fixace, p\u0159in\u00e1\u0161\u00edme rady, jak postupovat, p\u0159\u00edpadn\u011b si sn\u00ed\u017eit m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky a optimalizovat si hypote\u010dn\u00ed smlouvu. Jakou zvolit d\u00e9lku fixace Volba mezi krat\u0161\u00edmi a del\u0161\u00edmi fixacemi z\u00e1vis\u00ed p\u0159ev\u00e1\u017en\u011b na budouc\u00edm v\u00fdvoji ekonomiky. Pokud jsou \u00farokov\u00e9 sazby na vrcholu jako te\u010f, nem\u00e1 smysl volit dlouhodobou fixaci t\u0159eba na 7\u201310 let. Oproti tomu fixace na 1 rok tak\u00e9 aktu\u00e1ln\u011b pozbyla smysl, proto\u017ee se neo\u010dek\u00e1v\u00e1, \u017ee by se sn\u00ed\u017een\u00ed z\u00e1kladn\u00ed sazby dostavilo tak rychle. Nab\u00edzen\u00e9 \u00farokov\u00e9 sazby se m\u016f\u017eou li\u0161it i podle zvolen\u00e9 d\u00e9lky fixace. \u010c\u00edm krat\u0161\u00ed fixace, t\u00edm vy\u0161\u0161\u00ed \u00farok. Jak\u00e9 jsou aktu\u00e1ln\u00ed \u00farokov\u00e9 sazby pro hypot\u00e9ku Aktu\u00e1ln\u00ed ekonomick\u00e1 situace, kdy jsou sazby vy\u0161\u0161\u00ed, nazna\u010duje, \u017ee se sazby budou v&nbsp;n\u011bkolika n\u00e1sleduj\u00edc\u00edch letech sni\u017eovat. [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":1818,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[91,13,45],"class_list":["post-1815","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hypoteky","tag-fixace-hypoteky","tag-jana-vaisova","tag-refinancovani"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Konec fixace hypot\u00e9ky: velk\u00fd pr\u016fvodce - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Kon\u010d\u00ed v\u00e1m fixace hypot\u00e9ky? 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