Offsetov\u00e1 hypot\u00e9ka \u2013 vyu\u017eijte \u00faspor ke zlevn\u011bn\u00ed \u00farokov\u00e9 sazby<\/p>\n\n\n\n
L\u00edb\u00ed se v\u00e1m p\u0159edstava, \u017ee v\u00e1m va\u0161e \u00faspory zlev\u0148uj\u00ed hypot\u00e9ku a p\u0159itom je m\u00e1te st\u00e1le k dispozici? V tom p\u0159\u00edpad\u011b uva\u017eujte nad offsetovou hypot\u00e9kou.<\/p>\n\n\n\n
Co je offsetov\u00e1 hypot\u00e9ka?<\/p>\n\n\n\n
Tento produkt nen\u00ed u n\u00e1s p\u0159\u00edli\u0161 roz\u0161\u00ed\u0159en\u00fd, pod\u00edvejme se proto, o co se jedn\u00e1. Offsetov\u00e1 hypot\u00e9ka je b\u011b\u017en\u00fd hypote\u010dn\u00ed \u00fav\u011br, ov\u0161em dopln\u011bn\u00fd o tzv. offsetov\u00fd \u00fa\u010det. N\u011bkdy se ozna\u010duje term\u00ednem hypot\u00e9ka se z\u00e1po\u010dtem \u00faspor (off-set). Offsetov\u00fd \u00fa\u010det funguje jako spo\u0159ic\u00ed \u00fa\u010det \u2013 ukl\u00e1d\u00e1te si na n\u011bj finan\u010dn\u00ed prost\u0159edky, kter\u00e9 m\u016f\u017eete kdykoliv libovoln\u011b pou\u017e\u00edt. Z\u00e1rove\u0148 v\u00e1m v\u0161ak \u00faspory na offsetov\u00e9m \u00fa\u010dtu ovlivn\u00ed v\u00fd\u0161i \u00farok\u016f z hypote\u010dn\u00edho \u00fav\u011bru. Banka v\u00e1m toti\u017e bude m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku vypo\u010d\u00edt\u00e1vat pouze z rozd\u00edlu mezi aktu\u00e1ln\u00ed v\u00fd\u0161\u00ed \u00fav\u011bru a \u010d\u00e1stkou uspo\u0159enou na offsetov\u00e9m \u00fa\u010dtu.<\/p>\n\n\n\n
Kdy se offsetov\u00e1 hypot\u00e9ka vyplat\u00ed?<\/p>\n\n\n\n
V\u00fd\u0161e uveden\u00e9 informace zn\u00ed l\u00e1kav\u011b, ale je t\u0159eba dodat, \u017ee offsetov\u00e1 hypot\u00e9ka m\u00e1 i sv\u00e9 m\u00ednus a ne v\u017edy se vyplat\u00ed. Nem\u00e1 p\u0159\u00edli\u0161 velk\u00fd smysl, pokud jste schopni jen mal\u00fdch \u00faspor. Offsetov\u00e1 hypot\u00e9ka m\u00e1 toti\u017e o n\u011bco vy\u0161\u0161\u00ed sazbu ne\u017e hypot\u00e9ka klasick\u00e1. Je proto nutn\u00e9 d\u016fkladn\u011b si spo\u010d\u00edtat, p\u0159i jak\u00e9 v\u00fd\u0161i \u00faspor by se v\u00e1m offsetov\u00e1 hypot\u00e9ka za\u010dala vypl\u00e1cet. Obecn\u011b lze \u0159\u00edct, \u017ee offsetov\u00e1 hypot\u00e9ka se za\u010d\u00edn\u00e1 vypl\u00e1cet tehdy, kdy m\u016f\u017eete m\u00edt na spo\u0159ic\u00edm \u00fa\u010dtu ulo\u017eenou p\u0159ibli\u017en\u011b \u010dtvrtinu v\u00fd\u0161e hypot\u00e9ky.<\/p>\n\n\n\n
Pro koho je offsetov\u00e1 hypot\u00e9ka vhodn\u00e1?<\/p>\n\n\n\n
Hod\u00ed se pro klienty, kte\u0159\u00ed maj\u00ed mo\u017enost disponovat vy\u0161\u0161\u00edmi finan\u010dn\u00edmi prost\u0159edky (nap\u0159\u00edklad podnikatel\u00e9 nebo lid\u00e9, kte\u0159\u00ed si p\u016fj\u010dili od rodiny, z\u00edskali pen\u00edze d\u011bdictv\u00edm apod.), ale z\u00e1rove\u0148 je necht\u011bj\u00ed vlo\u017eit do p\u0159ed\u010dasn\u00e9 spl\u00e1tky hypot\u00e9ky a cht\u011bj\u00ed k nim m\u00edt zachovan\u00fd p\u0159\u00edstup pro p\u0159\u00edpad pot\u0159eby.<\/p>\n\n\n\n
Kdo offsetov\u00e9 hypot\u00e9ky nab\u00edz\u00ed?<\/p>\n\n\n\n
Nejedn\u00e1 se o obvykl\u00fd produkt, tak\u017ee z\u0159\u00eddit ji je mo\u017en\u00e9 jen u Raiffeisenbank, GE Money Bank a Fio banky (ta ov\u0161em nespolupracuje s t\u0159et\u00edmi stranami, vzorov\u00fd propo\u010det uv\u00e1d\u00edm jen pro RB a MMB; pro FIO nem\u00e1m relevantn\u00ed data).<\/p>\n\n\n\n
P\u0159\u00edklad offsetov\u00e9 hypot\u00e9ky<\/p>\n\n\n\n
K dispozici m\u00e1te voln\u00e9 prost\u0159edky ve v\u00fd\u0161i 2.000.000,- a budete refinancovat dv\u011b r\u016fzn\u011b vysok\u00e9 hypot\u00e9ky. P\u0159\u00edklad n\u00ed\u017ee tedy ukazuje, jak nejv\u00fdhodn\u011bji rozd\u011blit \u00faspory na jednotliv\u00e9 spo\u0159\u00edc\u00ed \u00fa\u010dty u hypot\u00e9ky ve v\u00fd\u0161i 1,2mil a 4,2mil (splatnost 30let a fixace 5let).<\/p>\n\n\n\n
V\u00fdpo\u010det byl aktualizov\u00e1n 15.2.2019 na z\u00e1klad\u011b produktov\u00fdch zm\u011bn v bank\u00e1ch<\/p>\n\n\n\n * Raiffesisenbank umo\u017e\u0148uje z\u00e1po\u010det \u00faspor (stejn\u011b jako Fio) a\u017e do 100% zb\u00fdvaj\u00edc\u00ed jistiny ke splacen\u00ed. \u00darok tak tedy m\u016f\u017ee b\u00fdt i 0%<\/p>\n\n\n\n ** Maxim\u00e1ln\u00ed v\u00fd\u0161e mo\u017en\u00e9ho z\u00e1po\u010dtu \u00faspor u MMB \u010din\u00ed pouze 200.000,-K\u010d<\/p>\n\n\n\n Z\u016fstatek na spo\u0159\u00edc\u00edm \u00fa\u010dt\u011b nen\u00ed bankou \u00faro\u010den\u00fd a a\u017e na Fio banku nen\u00ed limitovan\u00fd minim\u00e1ln\u00edm z\u016fstatkem (Fio 50tis).<\/p>\n\n\n\n Zaj\u00edmalo by v\u00e1s, jak by va\u0161e \u00faspory mohli zlevnit pr\u00e1v\u011b va\u0161i hypot\u00e9ku? Sta\u010d\u00ed mi napsat nebo zavolat- kalkulaci v\u00e1m p\u0159iprav\u00edm na po\u010dk\u00e1n\u00ed:-)<\/p>\n","protected":false},"excerpt":{"rendered":" Offsetov\u00e1 hypot\u00e9ka \u2013 vyu\u017eijte \u00faspor ke zlevn\u011bn\u00ed \u00farokov\u00e9 sazby L\u00edb\u00ed se v\u00e1m p\u0159edstava, \u017ee v\u00e1m va\u0161e \u00faspory zlev\u0148uj\u00ed hypot\u00e9ku a p\u0159itom je m\u00e1te st\u00e1le k dispozici? V tom p\u0159\u00edpad\u011b uva\u017eujte nad offsetovou hypot\u00e9kou. Co je offsetov\u00e1 hypot\u00e9ka? Tento produkt nen\u00ed u n\u00e1s p\u0159\u00edli\u0161 roz\u0161\u00ed\u0159en\u00fd, pod\u00edvejme se proto, o co se jedn\u00e1. Offsetov\u00e1 hypot\u00e9ka je b\u011b\u017en\u00fd […]<\/p>\n","protected":false},"author":1,"featured_media":1176,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"ub_ctt_via":"","footnotes":""},"categories":[63],"tags":[64,78],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/10\/offset2.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\/1170"}],"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=1170"}],"version-history":[{"count":0,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1170\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/1176"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=1170"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=1170"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=1170"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\n \n<\/th> \nA)\n<\/th> \nB)\n<\/th><\/tr><\/thead> Sou\u010dasn\u00e1 v\u00fd\u0161e hypot\u00e9ky<\/td> 1.200.000,-<\/td> 4.200.000,-<\/td><\/tr> Sou\u010dasn\u00fd \u00farok<\/td> 3,09% p.a.<\/td> 2,99% p.a.<\/td><\/tr> <\/td> <\/td> <\/td><\/tr> RAIFFEISENBANK* <\/td> <\/td> <\/td><\/tr> Z\u00e1kladn\u00ed sazba offsetov\u00e9 hypot\u00e9ky bez \u00faspor<\/td> 3,73% p.a.<\/td> 3,73% p.a.<\/td><\/tr> Vklad \u00faspor na spo\u0159\u00edc\u00ed \u00fa\u010det<\/td> 300.000,-K\u010d<\/td> 1.700.000,-K\u010d<\/td><\/tr> \u00darokov\u00e1 sazba po z\u00e1po\u010dtu \u00faspor<\/td> 2,74% p.a.<\/td> 2,13% p.a.<\/td><\/tr> Spl\u00e1tka bez \u00faspor<\/td> 5.544,-K\u010d<\/td> 19.403,-K\u010d<\/td><\/tr> Spl\u00e1tka s \u00fasporami<\/td> 4.597,-K\u010d<\/td> 14.040,-K\u010d<\/td><\/tr> <\/td> <\/td> <\/td><\/tr> MONETA MONEY BANK** <\/td> <\/td> <\/td><\/tr> Z\u00e1kladn\u00ed sazba offsetov\u00e9 hypot\u00e9ky bez \u00faspor<\/td> 3,02% p.a.<\/td> 3,02% p.a.<\/td><\/tr> Vklad \u00faspor na spo\u0159\u00edc\u00ed \u00fa\u010det<\/td> 200.000,-K\u010d<\/td> 200.000,-K\u010d<\/td><\/tr> \u00darokov\u00e1 sazba po z\u00e1po\u010dtu \u00faspor<\/td> 2,49% p.a.<\/td> 2,87% p.a.<\/td><\/tr> Spl\u00e1tka bez \u00faspor<\/td> 5.072,-K\u010d<\/td> 17.753,-K\u010d<\/td><\/tr> Spl\u00e1tka s \u00fasporami<\/td> 4.569,-K\u010d<\/td> 17.249,-K\u010d<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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