{"id":1091,"date":"2019-03-07T13:45:20","date_gmt":"2019-03-07T12:45:20","guid":{"rendered":"http:\/\/mskarydkova.cz\/new\/?p=1091"},"modified":"2020-02-05T20:02:21","modified_gmt":"2020-02-05T19:02:21","slug":"poplatek-za-predcasne-splaceni-hypoteky","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/poplatek-za-predcasne-splaceni-hypoteky\/","title":{"rendered":"Poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky"},"content":{"rendered":"\n

M\u00e1te hypot\u00e9ku sjednanou p\u0159ed 1.12.2016- jak\u00fd bude poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed?<\/h2>\n\n\n\n

Hypote\u010dn\u00ed \u00fav\u011bry sjednan\u00e9 p\u0159ed<\/strong> novelou z\u00e1kona 257\/2016 Sb. o spot\u0159ebitelsk\u00e9m \u00fav\u011bru se \u0159\u00edd\u00ed podm\u00ednkami, kter\u00e9 byly v dan\u00e9 dob\u011b s \u00fav\u011brem sjednan\u00e9. Pokud nem\u00e1te sjednanou mo\u017enost vkladu mimo\u0159\u00e1dn\u00fdch spl\u00e1tek, pak mus\u00edte po\u010d\u00edtat s t\u00edm, \u017ee v\u00e1m banka na\u00fa\u010dtuje poplatek za d\u00edl\u010d\u00ed mimo\u0159\u00e1dnou spl\u00e1tku nebo p\u0159ed\u010dasn\u00e9 splacen\u00ed.<\/p>\n\n\n\n\n\n\n\n

Banka m\u00e1 mo\u017enost tuto sankci sn\u00ed\u017eit, p\u0159\u00edpadn\u011b ji zcela odpustit, ale z\u00e1le\u017e\u00ed jen na dobr\u00e9 v\u016fli banky. Smluvn\u00ed pokuta toti\u017e za sou\u010dasn\u00fdch podm\u00ednek na trhu p\u0159edstavuje zaj\u00edmav\u00fd p\u0159\u00edjem pro banku a tak je pot\u0159eba pro sn\u00ed\u017een\u00ed t\u00e9to sankce uv\u00e9st v\u00e1\u017en\u00e9 d\u016fvody – pak m\u00e1te \u0161anci, \u017ee sankce nebude tak vysok\u00e1 a \u010d\u00e1st nebo cel\u00e1 sankce v\u00e1m bude odpu\u0161t\u011bna.<\/p>\n\n\n\n

A jak\u00e1 v\u00fd\u0161e poplatku to m\u016f\u017ee b\u00fdt?<\/h4>\n\n\n\n

Uve\u010fme si p\u0159\u00edklad:<\/p>\n\n\n\n

P\u016fvodn\u00ed v\u00fd\u0161e \u00fav\u011bru 2.000.000 K\u010d, \u00farokov\u00e1 sazba 3,5 %, splatnost 20 let, fixace sjedn\u00e1na na 5 let.  Mimo\u0159\u00e1dn\u00e1 spl\u00e1tka (\u00fapln\u00e9 splacen\u00ed) 1.000.000 K\u010d bude provedena p\u0159esn\u011b 2 roky p\u0159ed koncem fixace.<\/p>\n\n\n\n

Banka<\/th>Poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed nebo mimo\u0159\u00e1dnou spl\u00e1tku<\/th>Vy\u010d\u00edslen\u00ed poplatku z modelov\u00e9ho p\u0159\u00edkladu<\/th><\/tr>
\u010cesk\u00e1 spo\u0159itelna<\/strong><\/td>10,00% z v\u00fd\u0161e p\u0159ed\u010dasn\u00e9 spl\u00e1tky<\/td>100.000,-<\/td><\/tr>
\u010cSOB<\/strong><\/td>5 % p.a. z v\u00fd\u0161e p\u0159ed\u010dasn\u00e9 spl\u00e1tky za ka\u017ed\u00fd rok do konce fixace<\/td>100.000,-<\/td><\/tr>
Equa Bank<\/strong><\/td>10,00% z v\u00fd\u0161e p\u0159ed\u010dasn\u00e9 spl\u00e1tky; Do 20 % zb\u00fdvaj\u00edc\u00ed v\u00fd\u0161e dlu\u017en\u00e9 \u010d\u00e1stky bez sankce<\/td>80.000,-<\/td><\/tr>
Moneta Money Bank<\/strong> (d\u0159\u00edve GE Money Bank)<\/td>5 % p.a. z v\u00fd\u0161e p\u0159ed\u010dasn\u00e9 spl\u00e1tky za ka\u017ed\u00fd rok do konce obdob\u00ed fixace. Do 25 % v\u00fd\u0161e zb\u00fdvaj\u00edc\u00ed dlu\u017en\u00e9 \u010d\u00e1stky bez sankce<\/td>75.000,-<\/td><\/tr>
Hypote\u010dn\u00ed banka<\/strong><\/td>5 % p.a. z v\u00fd\u0161e p\u0159ed\u010dasn\u00e9 spl\u00e1tky za ka\u017ed\u00fd rok do konce fixace<\/td>100.000,-<\/td><\/tr>
Komer\u010dn\u00ed banka<\/strong><\/td>Individu\u00e1ln\u011b;maxim\u00e1ln\u011b ve v\u00fd\u0161i odpov\u00eddaj\u00edc\u00ed v\u00fd\u0161i sjednan\u00fdch \u00farok\u016f z p\u0159ed\u010dasn\u011b splacen\u00e9 jistiny \u00fav\u011bru za obdob\u00ed od p\u0159ed\u010dasn\u00e9ho splacen\u00ed do konce dohodnut\u00e9 doby platnosti \u00farokov\u00e9 sazby.<\/td>70.000,-<\/td><\/tr>
mBank<\/strong><\/td>3,00% z v\u00fd\u0161e p\u0159ed\u010dasn\u00e9 spl\u00e1tky. Do 20 % zb\u00fdvaj\u00edc\u00ed v\u00fd\u0161e dlu\u017en\u00e9 \u010d\u00e1stky bez sankce<\/td>24.000,-<\/td><\/tr>
Raiffeisenbank<\/strong><\/td>10,00% z p\u0159ed\u010dasn\u011b splacen\u00e9 jistiny<\/td>100.000,-<\/td><\/tr>
Sberbank<\/strong><\/td>0,35% z v\u00fd\u0161e p\u0159ed\u010dasn\u00e9 spl\u00e1tky za ka\u017ed\u00fd m\u011bs\u00edc do konce fixace. Do 10% zb\u00fdvaj\u00edc\u00ed v\u00fd\u0161e dlu\u017en\u00e9 \u010d\u00e1stky bez sankce<\/td>75.600,-<\/td><\/tr>
UniCredit Bank<\/strong><\/td>5 % p.a. z v\u00fd\u0161e p\u0159ed\u010dasn\u00e9 spl\u00e1tky za ka\u017ed\u00fd rok do konce obdob\u00ed fixace.<\/td>100.000,-<\/td><\/tr>
W\u00fcstenrot hypote\u010dn\u00ed banka<\/strong><\/td>5 % p.a. z v\u00fd\u0161e p\u0159ed\u010dasn\u00e9 spl\u00e1tky za ka\u017ed\u00fd rok do konce obdob\u00ed fixace<\/td>100.000,-<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

M\u00e1te hypot\u00e9ku sjednanou p\u0159ed 1.12.2016- jak\u00fd bude poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed? Hypote\u010dn\u00ed \u00fav\u011bry sjednan\u00e9 p\u0159ed novelou z\u00e1kona 257\/2016 Sb. o spot\u0159ebitelsk\u00e9m \u00fav\u011bru se \u0159\u00edd\u00ed podm\u00ednkami, kter\u00e9 byly v dan\u00e9 dob\u011b s \u00fav\u011brem sjednan\u00e9. Pokud nem\u00e1te sjednanou mo\u017enost vkladu mimo\u0159\u00e1dn\u00fdch spl\u00e1tek, pak mus\u00edte po\u010d\u00edtat s t\u00edm, \u017ee v\u00e1m banka na\u00fa\u010dtuje poplatek za d\u00edl\u010d\u00ed mimo\u0159\u00e1dnou spl\u00e1tku nebo p\u0159ed\u010dasn\u00e9 splacen\u00ed.<\/p>\n","protected":false},"author":1,"featured_media":1096,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"ub_ctt_via":"","footnotes":""},"categories":[63],"tags":[64,69,68],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/10\/sankce-u-star\u00fdch-hypot\u00e9k_.jpg","author_info":{"display_name":"mskarydkova","author_link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/author\/mskarydkova\/"},"_links":{"self":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1091"}],"collection":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/comments?post=1091"}],"version-history":[{"count":0,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1091\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/1096"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=1091"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=1091"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=1091"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}