{"id":1755,"date":"2026-04-25T14:30:00","date_gmt":"2026-04-25T12:30:00","guid":{"rendered":"https:\/\/kuraksa.cz\/blog\/?p=1755"},"modified":"2026-04-26T14:49:35","modified_gmt":"2026-04-26T12:49:35","slug":"refinancovani-hypoteky-2026","status":"publish","type":"post","link":"https:\/\/kuraksa.cz\/blog\/refinancovani-hypoteky-2026\/","title":{"rendered":"Refinancov\u00e1n\u00ed hypot\u00e9ky: Pro\u010d \u010dekat na dopis od banky je nejdra\u017e\u0161\u00ed chyba va\u0161eho \u017eivota (5 tip\u016f)"},"content":{"rendered":"
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Kdo by m\u011bl hlavn\u011b \u0159esit refinancov\u00e1n\u00ed hypot\u00e9ky? Tis\u00edce lid\u00ed si v roce 2016 braly hypot\u00e9ku s tehdy l\u00e1kavou 10letou fixac\u00ed.<\/strong> Letos jim pr\u00e1v\u011b kon\u010d\u00ed. A spl\u00e1tka m\u016f\u017ee sko\u010dit klidn\u011b o 5 000 a\u017e 7 000 K\u010d m\u011bs\u00ed\u010dn\u011b nahoru. To nen\u00ed jen \u010d\u00edslo na pap\u00ed\u0159e. To je ten pocit, kdy\u017e se pod\u00edv\u00e1te na \u00fa\u010det a zjist\u00edte, \u017ee na tu ve\u010de\u0159i, na kterou jste cht\u011bli vz\u00edt rodinu, u\u017e prost\u011b nen\u00ed. A pocit pohody z vlastn\u00edho bydlen\u00ed se tak n\u011bjak vytrat\u00ed.<\/p>\n\n\n\n

Minul\u00fd t\u00fdden mi volal klient z Teplic. Fixace mu kon\u010d\u00ed za t\u0159i m\u011bs\u00edce, banka mu p\u0159i\u0161la s novou sazbou a on nev\u011bd\u011bl, jestli p\u0159ijmout, nebo j\u00edt jinam. Podobn\u00fd hovor m\u00e1m te\u010f skoro ka\u017ed\u00fd t\u00fdden. Je to po\u0159\u00e1d stejn\u00e1 p\u00edsni\u010dka: lid\u00e9 jsou v \u0161oku, banky jsou p\u0159ipraven\u00e9 inkasovat a nikdo nev\u00ed, co s t\u00edm.<\/p>\n\n\n\n

Tady je to, co \u0159\u00edk\u00e1m v\u017edy jako prvn\u00ed. A douf\u00e1m, \u017ee m\u011b usly\u0161\u00edte v\u010das.<\/p>\n\n\n\n

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Co je refinancov\u00e1n\u00ed hypot\u00e9ky a pro\u010d na n\u011bj m\u00e1te jen p\u00e1r m\u011bs\u00edc\u016f<\/h2>\n\n\n\n

Ujasn\u011bme si jednu v\u011bc, bez kter\u00e9 se nepohneme. Refinancov\u00e1n\u00ed hypot\u00e9ky<\/strong> neznamen\u00e1, \u017ee m\u011bn\u00edte adresu. Znamen\u00e1 to, \u017ee se zbavujete nev\u00fdhodn\u00fdch podm\u00ednek u st\u00e1vaj\u00edc\u00ed banky a p\u0159ech\u00e1z\u00edte k n\u011bkomu, kdo si v\u00e1s v\u00e1\u017e\u00ed v\u00edc. Je to jako rozchod. Je to administrativn\u011b otravn\u00e9, ale kdy\u017e je v\u00e1\u0161 partner toxick\u00fd (nebo jen drah\u00fd), mus\u00edte to ud\u011blat.<\/p>\n\n\n\n

A tady p\u0159ich\u00e1z\u00ed ta nejv\u011bt\u0161\u00ed chyba, kterou vid\u00edm.<\/p>\n\n\n\n

1. Ne\u010dekejte na dopis od banky: Je to past<\/h3>\n\n\n\n

Va\u0161e sou\u010dasn\u00e1 banka je v klidu. Moc dob\u0159e v\u00ed, kdy v\u00e1m fixace kon\u010d\u00ed. A v\u00ed, \u017ee 90 % lid\u00ed je l\u00edn\u00fdch, nebo se boj\u00ed. Tak\u017ee v\u00e1m po\u0161le \u201emimo\u0159\u00e1dnou nab\u00eddku\u201c se sazbou o p\u016fl procenta vy\u0161\u0161\u00ed, ne\u017e je nutn\u00e9, a po\u0161le ji 2\u20133 m\u011bs\u00edce p\u0159ed koncem fixace. To u\u017e je pozd\u011b<\/em>. T\u00edm v\u00e1m d\u00e1v\u00e1 minim\u00e1ln\u00ed prostor na man\u00e9vrov\u00e1n\u00ed.<\/p>\n\n\n\n

J\u00e1 doporu\u010duju za\u010d\u00edt \u0159e\u0161it refinancov\u00e1n\u00ed hypot\u00e9ky<\/strong> minim\u00e1ln\u011b 6 m\u011bs\u00edc\u016f dop\u0159edu p\u0159ed ukon\u010den\u00edm fixace. Mo\u017en\u00e1 se v\u00e1m to zd\u00e1 jako p\u0159ehnan\u00e1 opatrnost, ale zva\u017ete tohle: Jin\u00e9 banky pot\u0159ebuj\u00ed \u010das na schv\u00e1len\u00ed, odhady a celou tu byrokracii. Kdo za\u010dne v\u010das, m\u00e1 v\u00fdb\u011br. Kdo \u010dek\u00e1 na dopis, ten u\u017e jen p\u0159ij\u00edm\u00e1 podm\u00ednky. Co\u017e za m\u011b je hodn\u011b odv\u00e1\u017en\u00e1 strategie.<\/p>\n\n\n\n

2. Nab\u00eddka va\u0161\u00ed banky nen\u00ed automaticky nejlep\u0161\u00ed<\/h3>\n\n\n\n

Tohle p\u0159ekvap\u00ed hodn\u011b lid\u00ed. V\u00e1\u0161 osobn\u00ed bank\u00e9\u0159, kter\u00fd v\u00e1m l\u00e9ta pos\u00edlal p\u0159\u00e1n\u00ed k narozenin\u00e1m, pro v\u00e1s te\u010f neh\u00fdbe prstem. St\u00e1vaj\u00edc\u00ed banka nem\u00e1 jedin\u00fd d\u016fvod d\u00e1t v\u00e1m nejlep\u0161\u00ed mo\u017enou sazbu na trhu \u2013 vy u\u017e jste toti\u017e jejich klient. Nov\u00e1 banka v\u00e1s naopak chce p\u0159et\u00e1hnout a d\u00e1 si na va\u0161\u00ed nab\u00eddce z\u00e1le\u017eet.<\/p>\n\n\n\n

Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f, kter\u00e9 \u0159e\u0161\u00edm, najdeme lep\u0161\u00ed podm\u00ednky jinde. N\u011bkdy je rozd\u00edl jen 0,3\u20130,5 % na \u00faroku. Na 10.000.000,- a v\u011bt\u0161\u00edch hypot\u00e9k\u00e1ch jsou to ale des\u00edtky tis\u00edc korun za dobu jedn\u00e9 fixace. To je hodn\u011b pen\u011bz za lenost, nemysl\u00edte?<\/p>\n\n\n\n

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Na kolik let fixovat pr\u00e1v\u011b te\u010f?<\/h2>\n\n\n\n

To je ta milionov\u00e1 ot\u00e1zka. Nebo sp\u00ed\u0161 ot\u00e1zka na miliony korun.<\/p>\n\n\n

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\"\"<\/figure>\n<\/div>\n\n\n

Dnes se sazby d\u00edky v\u00e1lce na Bl\u00edzk\u00e9m v\u00fdchod\u011b pl\u00e1caj\u00ed op\u011bt okolo 5 %. \u010cesk\u00e1 n\u00e1rodn\u00ed banka dr\u017e\u00ed kl\u00ed\u010dovou repo sazbu na 3,5 %.<\/p>\n\n\n\n

Up\u0159\u00edmn\u011b? Nikdo nev\u00ed p\u0159esn\u011b, kam to cel\u00e9 p\u016fjde. Sta\u010d\u00ed jeden dal\u0161\u00ed \u00fatok nebo tweet a sazby m\u016f\u017eou klidn\u011b vymalovat 6 % \u2013 co\u017e za m\u011b nen\u00ed spekulace, ale velmi re\u00e1ln\u00e1 hrozba. Te\u010f je sice na trz\u00edch relativn\u00ed klid, ale je to klid p\u0159ed bou\u0159\u00ed. Predikovat \u00farokov\u00e9 sazby je dnes jako p\u0159edpov\u00eddat po\u010das\u00ed na p\u0159\u00ed\u0161t\u00ed V\u00e1noce, zat\u00edmco sed\u00edte na sudu s prachem. \u010cekat te\u010f s otev\u0159enou fixac\u00ed je extr\u00e9mn\u011b odv\u00e1\u017en\u00e1 hra s vlastn\u00edm bydlen\u00edm.<\/p>\n\n\n\n

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Tvrd\u00e1 data vs. lidsk\u00e1 realita: 5 tip\u016f pro refinancov\u00e1n\u00ed hypot\u00e9ky<\/h2>\n\n\n\n

Ne\u017e cokoli podep\u00ed\u0161ete, mus\u00edme se pod\u00edvat na realitu. Mnoho lid\u00ed zapom\u00edn\u00e1, \u017ee hypot\u00e9ka nen\u00ed jen \u00farok. Je to o va\u0161\u00ed schopnosti spl\u00e1cet, va\u0161ich rezerv\u00e1ch a va\u0161em majetku.<\/p>\n\n\n\n

    \n
  1. Zkontrolujte si z\u016fstatek:<\/strong> Ne\u017e za\u010dnete srovn\u00e1vat, zjist\u011bte p\u0159esn\u011b, kdy v\u00e1m fixace kon\u010d\u00ed a jak\u00e1 je aktu\u00e1ln\u00ed z\u016fstatkov\u00e1 v\u00fd\u0161e va\u0161eho dluhu. Data bez nudy: kolik p\u0159esn\u011b<\/em> dlu\u017e\u00edte na hal\u00e9\u0159? To je v\u00e1\u0161 startovn\u00ed bod.<\/li>\n\n\n\n
  2. Srovnejte alespo\u0148 3\u20135 bank:<\/strong> Ne jen tu va\u0161i. Ne jen tu, kde m\u00e1 \u00fa\u010det va\u0161e matka. Aspo\u0148 t\u0159i nez\u00e1visl\u00e9 nab\u00eddky.<\/li>\n\n\n\n
  3. Nepodlehn\u011bte tlaku na rychlost:<\/strong> Banky se v\u00e1s sna\u017e\u00ed dostat do \u010dasov\u00e9 t\u00edsn\u011b. Nenechte se. M\u00e1te 6 m\u011bs\u00edc\u016f. Pou\u017eijte je.<\/li>\n\n\n\n
  4. Zva\u017ete poplatky:<\/strong> N\u011bkdy se ni\u017e\u0161\u00ed \u00farok u nov\u00e9 banky ztrat\u00ed v poplatc\u00edch za odhad, katastr nebo za sjedn\u00e1n\u00ed. Po\u010d\u00edtejte RPSN, nejen \u00farok.<\/li>\n\n\n\n
  5. Po\u010dkejte na nejni\u017e\u0161\u00ed sazbu?<\/strong> To je s\u00e1zka. Mo\u017en\u00e1 klesne o 0,1 %. Mo\u017en\u00e1 mezit\u00edm vysko\u010d\u00ed o 0,3 %. \u010cekat s pr\u00e1zdn\u00fdma rukama je hodn\u011b odv\u00e1\u017en\u00e1 hra s vlastn\u00edm bydlen\u00edm.<\/li>\n<\/ol>\n\n\n\n

    N\u011bkdy je nejlep\u0161\u00ed strategi\u00ed zajistit si rozumnou sazbu te\u010f<\/em> s budouc\u00ed flexibilitou (3 roky).<\/p>\n\n\n\n

    Siln\u00fd z\u00e1v\u011br s my\u0161lenkou<\/h2>\n\n\n\n

    Konec fixace nen\u00ed trag\u00e9die. Je to jen k\u0159i\u017eovatka. M\u016f\u017eete se vydat po cest\u011b nejmen\u0161\u00edho odporu a nechat se o\u0161kubat, nebo se m\u016f\u017eete postavit za sv\u00e9 finance a bojovat o sv\u00e9 pen\u00edze. Banky po\u010d\u00edtaj\u00ed s t\u00edm, \u017ee se v\u00e1m nechce. Doka\u017ete jim opak. Va\u0161e bydlen\u00ed a va\u0161e \u00faspory za to stoj\u00ed.<\/p>\n\n\n\n

    Pokud si nejste jist\u00ed, kudy se vydat, mohu se na va\u0161i konkr\u00e9tn\u00ed situaci pod\u00edvat. A nebojte, nebudu v\u00e1m nic prod\u00e1vat. Prvn\u00ed konzultace je zdarma, jen se pod\u00edv\u00e1me na va\u0161e mo\u017enosti, srovn\u00e1me nab\u00eddky bank a \u0159ekneme si, co d\u00e1v\u00e1 smysl pr\u00e1v\u011b pro v\u00e1s a va\u0161e investice \u010di ochranu majetku. To je za m\u011b f\u00e9r nab\u00eddka.<\/p>\n\n\n\n

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    \u0158e\u0161\u00edte to te\u010f?<\/strong> R\u00e1d se na va\u0161i situaci pod\u00edv\u00e1m. Prvn\u00ed konzultace je zdarma, srovn\u00e1m nab\u00eddky bank a \u0159ekneme si, co d\u00e1v\u00e1 smysl pr\u00e1v\u011b pro v\u00e1s.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Fixace hypot\u00e9ky v\u00e1m kon\u010d\u00ed? Zjist\u011bte 7 krok\u016f, jak u\u0161et\u0159it des\u00edtky tis\u00edc, porovnat banky a vybrat nejlep\u0161\u00ed refinancov\u00e1n\u00ed hypot\u00e9ky v roce 2026.<\/p>\n","protected":false},"author":1,"featured_media":1757,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-1755","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"_links":{"self":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts\/1755","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/comments?post=1755"}],"version-history":[{"count":5,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts\/1755\/revisions"}],"predecessor-version":[{"id":1774,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts\/1755\/revisions\/1774"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/media\/1757"}],"wp:attachment":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/media?parent=1755"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/categories?post=1755"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/tags?post=1755"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}