{"id":1207,"date":"2019-01-28T17:33:25","date_gmt":"2019-01-28T16:33:25","guid":{"rendered":"http:\/\/mskarydkova.cz\/new\/?p=1207"},"modified":"2020-02-05T20:14:58","modified_gmt":"2020-02-05T19:14:58","slug":"jak-zvolit-fixaci-urokove-sazby-a-vydelat-na-ni","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/jak-zvolit-fixaci-urokove-sazby-a-vydelat-na-ni\/","title":{"rendered":"Jak zvolit fixaci \u00farokov\u00e9 sazby a vyd\u011blat na n\u00ed?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">V\u00e1h\u00e1te jakou fixaci u sv\u00e9 hypot\u00e9ky zvolit?<\/h2>\n\n\n\n<p><strong>Fixace \u00farokov\u00e9 sazby znamen\u00e1 dobu, po kterou v\u00e1m banka garantuje stejnou \u00farokovou sazbu hypot\u00e9ky, jako jste dostali v dob\u011b sjedn\u00e1n\u00ed \u00fav\u011bru.<\/strong><\/p>\n\n\n\n<p>Na konci platnosti t\u00e9to doby (fixace) v\u00e1m banka po\u0161le n\u00e1vrh nov\u00e9ho \u00faroku do dal\u0161\u00edho obdob\u00ed spl\u00e1cen\u00ed va\u0161\u00ed hypot\u00e9ky. Tento \u00farok u\u017e vzhledem k minul\u00fdm extr\u00e9mn\u011b n\u00edzk\u00fdm sazb\u00e1m, kter\u00fdm u\u017e je konec, bude na 100% vy\u0161\u0161\u00ed ne\u017e jak\u00fd m\u00e1te v aktu\u00e1ln\u00ed smlouv\u011b.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h4 class=\"wp-block-heading\">Novela z\u00e1kona<\/h4>\n\n\n\n<p>D\u00edky novele z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru (tedy i hypot\u00e9ce) z roku 2016 je mo\u017en\u00e9 <strong>hypot\u00e9ku kdykoliv zcela nebo z \u010d\u00e1sti splatit co\u017e d\u011bl\u00e1 z dlouhodob\u00fdch fixac\u00ed \u00farokov\u00e9 sazby&nbsp; velkou v\u00fdhodu. <\/strong>S mimo\u0159\u00e1dnou spl\u00e1tkou tak nemus\u00edte \u010dekat na konec fixace.<\/p>\n\n\n\n<p>Dlouh\u00e9 fixace (v\u00edce jak 5let) je mo\u017en\u00e9 v sou\u010dasn\u00e9 dob\u011b sjednat u v\u011bt\u0161iny bank. \u00darokov\u00e1 sazba del\u0161\u00edch fixac\u00ed je zpravidla vy\u0161\u0161\u00ed ne\u017e u fixac\u00ed krat\u0161\u00edch. Nicm\u00e9n\u011b p\u0159i detailn\u011bj\u0161\u00edm pohledu se jedn\u00e1 o budouc\u00ed v\u00fdhodu.<\/p>\n\n\n\n<p>V sou\u010dasn\u00e9 dob\u011b je mo\u017en\u00e9 sjednat fixaci \u00farokov\u00e9 sazby klidn\u011b i na celou dobu splatnosti \u00fav\u011bru (zde je pot\u0159eba v\u00edc po\u010d\u00edtat a zv\u00e1\u017eit v\u00fdhody\/nev\u00fdhody). Nej\u010dast\u011bji sjedn\u00e1vanou dobou fixace (po 5ti let\u00e9) je 8 a 10 let.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>&#8220;Jak uspo\u0159it pen\u00edze i kdy\u017e spl\u00e1c\u00edte hypot\u00e9ku? <\/strong><strong>V tomto infografu v\u00e1m to uk\u00e1\u017eu.&#8221;<\/strong><\/h6>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p>V p\u0159\u00edkladu vid\u00edte, \u017ee <strong>pokud budete m\u00edt 5ti letou fixaci, tak pro n\u00e1sleduj\u00edc\u00ed obdob\u00ed m\u00e1te t\u0159i mo\u017en\u00e9 situace v\u00fdvoje na trhu<\/strong><\/p>\n\n\n\n<ul><li><strong>Optimistick\u00fd<\/strong> (\u00farok se nepohne, nebo jen minim\u00e1ln\u011b)- oproti 10ti let\u00e9 fixaci PROD\u011aL\u00c1TE &#8220;JEN&#8221; 36.842,-.<\/li><li><strong>Realistick\u00fd<\/strong> (velmi pravd\u011bpodobn\u011b \u00farok vzroste)- oproti 10ti let\u00e9 fixaci PROD\u011aL\u00c1TE -262.586,-.<\/li><li><strong>Pesimistick\u00fd<\/strong> (pokud se na trhu n\u011bco hodn\u011b nepovede, z nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed to bude m\u00edt za n\u00e1sledek krizi a r\u016fst cen obecn\u011b)- oproti 10ti let\u00e9 fixaci PROD\u011aL\u00c1TE &#8211; 491.669,-.<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><strong>Pokud v\u0161ak m\u00e1te 10ti letou fixaci (garanci) \u00farokov\u00e9 sazby, jako v tomto p\u0159\u00edpad\u011b, pak jste na \u00fav\u011bru vyd\u011blali pravd\u011bpodobn\u011b t\u00e9m\u011b\u0159 270tis (pop\u0159. 500tis).<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p>Jestli\u017ee je\u0161t\u011b zva\u017eujete, jakou d\u00e9lku fixace \u00faroku zvolit, mo\u017en\u00e1 v\u00e1m tento p\u0159\u00edklad pom\u016f\u017ee. A kdybyste p\u0159ece jen pot\u0159ebovali spo\u010d\u00edtat konkr\u00e9tn\u00ed \u010d\u00edsla, <strong>sta\u010d\u00ed mi napsat do messengera<\/strong> (vpravo dole na str\u00e1nce) a m\u016f\u017eeme se na to pod\u00edvat:-)<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/10\/finance.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1297\" src=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/10\/finance.jpg\" alt=\"\" class=\"wp-image-1106\" srcset=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/10\/finance.jpg 1920w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/10\/finance-300x203.jpg 300w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/10\/finance-1024x692.jpg 1024w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/10\/finance-768x519.jpg 768w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/10\/finance-1536x1038.jpg 1536w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/10\/finance-600x405.jpg 600w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/a><\/figure><\/div>\n","protected":false},"excerpt":{"rendered":"<p>V\u00e1h\u00e1te jakou fixaci u sv\u00e9 hypot\u00e9ky zvolit? Fixace \u00farokov\u00e9 sazby znamen\u00e1 dobu, po kterou v\u00e1m banka garantuje stejnou \u00farokovou sazbu hypot\u00e9ky, jako jste dostali v dob\u011b sjedn\u00e1n\u00ed \u00fav\u011bru. Na konci platnosti t\u00e9to doby (fixace) v\u00e1m banka po\u0161le n\u00e1vrh nov\u00e9ho \u00faroku do dal\u0161\u00edho obdob\u00ed spl\u00e1cen\u00ed va\u0161\u00ed hypot\u00e9ky. Tento \u00farok u\u017e vzhledem k minul\u00fdm extr\u00e9mn\u011b n\u00edzk\u00fdm sazb\u00e1m, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1208,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"ub_ctt_via":"","footnotes":""},"categories":[63],"tags":[87,64],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/10\/fixace-\u00faroku.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\/1207"}],"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=1207"}],"version-history":[{"count":0,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1207\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/1208"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=1207"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=1207"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=1207"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}