[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tsna.cz\/nezvolili-jste-nejstastneji\/#Article","mainEntityOfPage":"https:\/\/www.tsna.cz\/nezvolili-jste-nejstastneji\/","headline":"Nezvolili jste nej\u0161\u0165astn\u011bji?","name":"Nezvolili jste nej\u0161\u0165astn\u011bji?","description":"N\u011bkdy se \u010dlov\u011bk ocitne ve finan\u010dn\u00ed t\u00edsni nebo chce za n\u011bco zaplatit v\u00edc, ne\u017e kolik si moment\u00e1ln\u011b m\u016f\u017ee dovolit. Na tom nen\u00ed nic neobvykl\u00e9ho. Stejn\u011b jako nen\u00ed neobvykl\u00e9 t\u0159eba ani to, \u017ee si n\u011bkdo takov\u00fd vezme k tomuto \u00fa\u010delu n\u011bjakou p\u016fj\u010dku. \u010clov\u011bk si prost\u011b p\u016fj\u010d\u00ed. Up\u00ed\u0161e se n\u011bjak\u00e9 t\u00e9 finan\u010dn\u00ed instituci, prok\u00e1\u017ee to, co se […]","datePublished":"2021-03-19","dateModified":"2023-05-31","author":{"@type":"Person","@id":"https:\/\/www.tsna.cz\/author\/#Person","name":"","url":"https:\/\/www.tsna.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tsna.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tsna.cz\/wp-content\/uploads\/pen%C3%ADze%20USD_1.jpg","url":"https:\/\/www.tsna.cz\/wp-content\/uploads\/pen%C3%ADze%20USD_1.jpg","height":0,"width":0},"url":"https:\/\/www.tsna.cz\/nezvolili-jste-nejstastneji\/","about":["Ekonomika"],"wordCount":449,"articleBody":"    N\u011bkdy se \u010dlov\u011bk ocitne ve finan\u010dn\u00ed t\u00edsni nebo chce za n\u011bco zaplatit v\u00edc, ne\u017e kolik si moment\u00e1ln\u011b m\u016f\u017ee dovolit. Na tom nen\u00ed nic neobvykl\u00e9ho. Stejn\u011b jako nen\u00ed neobvykl\u00e9 t\u0159eba ani to, \u017ee si n\u011bkdo takov\u00fd vezme k tomuto \u00fa\u010delu n\u011bjakou p\u016fj\u010dku.  \u010clov\u011bk si prost\u011b p\u016fj\u010d\u00ed. Up\u00ed\u0161e se n\u011bjak\u00e9 t\u00e9 finan\u010dn\u00ed instituci, prok\u00e1\u017ee to, co se prok\u00e1zat mus\u00ed, uzav\u0159e smlouvu a vyinkasuje pen\u00edze s t\u00edm, \u017ee je v ur\u010dit\u00e9m \u010dasov\u00e9m horizontu i s dohodnut\u00fdmi \u00faroky a poplatky vr\u00e1t\u00ed. A je to. Ov\u0161em zat\u00edmco se doty\u010dn\u00fd v prvn\u00ed chv\u00edli t\u0159eba i vysloven\u011b raduje, proto\u017ee t\u00edm dos\u00e1hl sv\u00e9ho, \u010dasem ho m\u016f\u017ee takov\u00fd optimismus opustit. A to kdy\u017e jednoho dne zjist\u00ed, \u017ee se nab\u00edz\u00ed je\u0161t\u011b lep\u0161\u00ed p\u016fj\u010dka, ne\u017e pro kterou se rozhodl a kterou z\u00edskal. N\u011bkdy se vyno\u0159\u00ed atraktivn\u011bj\u0161\u00ed finan\u010dn\u00ed produkt, n\u011bkdy se t\u0159eba pro zm\u011bnu ten st\u00e1vaj\u00edc\u00ed stane po skon\u010den\u00ed fixace nev\u00fdhodn\u011bj\u0161\u00edm ne\u017e prve. A to zamrz\u00ed.  Ov\u0161em ne v\u017edy to toho, kdo si p\u016fj\u010dil, mrzet mus\u00ed. Proto\u017ee existuje i mo\u017enost refinancov\u00e1n\u00ed hypot\u00e9ky. Ur\u010dit\u011b u\u017e jste tento pojem n\u011bkde zaslechli, ale kdo v\u00ed, zda jste se j\u00edm i zaob\u00edrali a pochopili ho. A proto si p\u0159ipome\u0148me, o\u010d jde. \u010clov\u011bk, kter\u00fd si vzal nev\u00fdhodn\u011bj\u0161\u00ed p\u016fj\u010dku, ne\u017e jak\u00e1 se mu nab\u00edz\u00ed pozd\u011bji, m\u016f\u017ee \u2013 dovoluj\u00ed-li to podm\u00ednky on\u00e9 vzat\u00e9 p\u016fj\u010dky \u2013 tuto refinancovat, co\u017e znamen\u00e1, \u017ee si po dohod\u011b s jin\u00fdm poskytovatelem m\u016f\u017ee vz\u00edt v\u00fdhodn\u011bj\u0161\u00ed p\u016fj\u010dku, tou tu p\u0159edchoz\u00ed splatit a rozlou\u010dit se tak s nev\u00fdhodn\u00fdm produktem s t\u00edm, \u017ee nam\u00edsto n\u011bj bude nov\u011b spl\u00e1cet p\u016fj\u010dku jinou, atraktivn\u011bj\u0161\u00ed.  A v \u010dem takov\u00e1 atraktivita spo\u010d\u00edv\u00e1? Pochopiteln\u011b t\u0159eba ve v\u00fd\u0161i \u00farok\u016f a poplatk\u016f, tedy RPSN, ale nejen v t\u00e9to. D\u016fvodem k podobn\u00e9 zm\u011bn\u011b p\u016fj\u010dky m\u016f\u017ee b\u00fdt t\u0159eba i skute\u010dnost, \u017ee se u jin\u00e9 p\u016fj\u010dky spl\u00e1c\u00ed odli\u0161n\u011b dlouho, \u017ee jsou tu p\u0159\u00edzniv\u011bj\u0161\u00ed spl\u00e1tky, \u017ee tu \u010dlov\u011bku nov\u011b p\u016fj\u010d\u00ed t\u0159eba i v\u00edc ne\u017e prve\u2026 A tak by se v\u0161ichni rozumn\u00ed dlu\u017en\u00edci m\u011bli zaj\u00edmat i o to, zda by nemohli refinancovat i oni. Lze si t\u00edm i hodn\u011b polep\u0161it.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nezvolili jste nej\u0161\u0165astn\u011bji?","item":"https:\/\/www.tsna.cz\/nezvolili-jste-nejstastneji\/#breadcrumbitem"}]}]