{"id":7424,"date":"2020-11-10T12:52:13","date_gmt":"2020-11-10T11:52:13","guid":{"rendered":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/?p=7424"},"modified":"2022-07-19T18:05:55","modified_gmt":"2022-07-19T16:05:55","slug":"refinancovani-hypoteky-smlouvy-od-1-12-2016","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/refinancovani-hypoteky-smlouvy-od-1-12-2016\/","title":{"rendered":"Refinancov\u00e1n\u00ed hypot\u00e9ky- smlouvy od 1.12.2016"},"content":{"rendered":"\n<p><strong>Refinancov\u00e1n\u00ed \u00fav\u011bru nebo-li splacen\u00ed st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho \u00fav\u011bru nov\u00fdm hypote\u010dn\u00edm \u00fav\u011brem by m\u011blo m\u00edt p\u0159edev\u0161\u00edm ekonomick\u00fd smysl<\/strong>&#8211; tedy ni\u017e\u0161\u00ed \u00farokovou sazbu a tak\u00e9 minim\u00e1ln\u00ed poplatky za p\u0159ed\u010dasn\u00e9 ukon\u010den\u00ed st\u00e1vaj\u00edc\u00ed smlouvy. V tomto \u010dl\u00e1nku v\u00e1m p\u0159edstav\u00edm, jak takov\u00e9 refinancov\u00e1n\u00ed funguje, jak\u00e9 jsou aktu\u00e1ln\u011b poplatky v jednotliv\u00fdch bank\u00e1ch a \u010d\u00edm se poplatky \u0159\u00edd\u00ed a tak\u00e9 v\u00e1m uk\u00e1\u017eu jeden konkr\u00e9tn\u00ed p\u0159\u00edklad, kdy refinancov\u00e1n\u00ed d\u00e1v\u00e1 smysl.<\/p>\n\n\n\n<!--more-->\n\n\n\n<pre class=\"wp-block-preformatted\"><em>poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed aktualizov\u00e1ny 19.7.2022<\/em><\/pre>\n\n\n\n<h2 class=\"wp-block-heading\">Kdy se vyplat\u00ed hypot\u00e9ku refinancovat?<\/h2>\n\n\n\n<p><strong>\u00da\u010delem refinancov\u00e1n\u00ed hypot\u00e9ky by m\u011blo b\u00fdt spr\u00e1vn\u011b zaji\u0161t\u011bn\u00ed nov\u00fdch, v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek \u00fav\u011bru oproti tomu sou\u010dasn\u00e9mu. <\/strong>Mnohdy to tak\u00e9 znamen\u00e1 <strong>ni\u017e\u0161\u00ed \u00farokovou sazbu <\/strong>a\u0165 u\u017e sn\u00ed\u017een\u00edm v\u00fdsledn\u00e9ho LTV (Loan to value=hodnota z\u00e1stavy v\u016f\u010di poskytnut\u00e9mu \u00fav\u011bru) anebo aktu\u00e1ln\u00ed nab\u00eddkou v bank\u00e1ch <em>(v dob\u011b publikace \u010dl\u00e1nku je pr\u016fm\u011brn\u00fd \u00farok u hypot\u00e9ky do 80%LTV 1,79% bez nutnosti poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet \u00fav\u011br).<\/em> <\/p>\n\n\n\n<p><strong>Ne\u017e se rozhodnete pro refinancov\u00e1n\u00ed, je pot\u0159eba zn\u00e1t:<\/strong><\/p>\n\n\n\n<p>a) <strong>\u00farokovou sazbu<\/strong>, kterou m\u00e1te na sv\u00e9 hypot\u00e9ce vs. aktu\u00e1ln\u00ed nab\u00eddku v bank\u00e1ch<\/p>\n\n\n\n<p>b) <strong>po\u010d\u00e1te\u010dn\u00ed LTV<\/strong> u sou\u010dasn\u00e9 hypot\u00e9ky vs. aktu\u00e1ln\u00ed tr\u017en\u00ed cena nemovitosti <\/p>\n\n\n\n<p>c) <strong>jak\u00e1 doba uplynula od podpisu sou\u010dasn\u00e9 \u00fav\u011brov\u00e9 smlouvy<\/strong> (pro\u010d zrovna datum podpisu je d\u016fle\u017eit\u00e9 vysv\u011btl\u00edm n\u00ed\u017ee).<\/p>\n\n\n\n<p><em><strong>Ilustrativn\u00ed p\u0159\u00edklad:<\/strong> M\u00e1te hypot\u00e9ku, kde zb\u00fdvaj\u00edc\u00ed jistina ke splacen\u00ed je 2.500.000,- (p\u016fvodn\u00ed v\u00fd\u0161e \u00fav\u011bru 2.619.000,-); smlouva byla podeps\u00e1na v roce 2018, p\u016fvodn\u00ed LTV bylo 80% a \u00farokov\u00e1 sazba s fixac\u00ed 5let je sjedn\u00e1na 2,39%, splatnost 30let a anutitn\u00ed spl\u00e1tka 10.219,-; <\/em><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><\/td><td><strong>z\u016fstatek k refinancov\u00e1n\u00ed<\/strong><\/td><td><strong>Nov\u00fd \u00fav\u011br<\/strong><\/td><\/tr><tr><td>v\u00fd\u0161e \u00fav\u011bru<\/td><td>2.500.000,- (zaokrouhleno)<\/td><td>2.500.000,-<\/td><\/tr><tr><td>splatnost<\/td><td>30 let<\/td><td>28 let*<\/td><\/tr><tr><td>fixace<\/td><td>5 let (2 roky ji\u017e zaplacen\u00e9)<\/td><td>5 let<\/td><\/tr><tr><td>\u00farokov\u00e1 sazba<\/td><td>2,39 % p.a.<\/td><td>1,79 % p.a.<\/td><\/tr><tr><td>anuitn\u00ed spl\u00e1tka<\/td><td><strong>10.219,-<\/strong><\/td><td><strong>9.488,-<\/strong><\/td><\/tr><tr><td><em>z toho jistina<\/em> za dobu fixace<\/td><td>312.876,-<\/td><td>354.892,-<\/td><\/tr><tr><td><em>z toho \u00farok<\/em> za dobu fixace<\/td><td><strong>290.909,-<\/strong> (118.284,- zaplaceno)<\/td><td>205.516,- (<strong>125.945,<\/strong>&#8211; za prvn\u00ed 3 roky nov\u00e9 fixace)<\/td><\/tr><tr><td>z\u016fstatek na konci fixace<\/td><td>2.306.121,-<\/td><td>2.145.105,-<\/td><\/tr><\/tbody><\/table><figcaption>* <em>v krat\u0161\u00ed splatnosti je zohledn\u011bna doba, kterou jste ji\u017e na refinancovan\u00e9m \u00fav\u011bru zaplatili<\/em><\/figcaption><\/figure>\n\n\n\n<p><strong>\u00daspora po refinancov\u00e1n\u00ed pak je 46.680,- K\u010d na \u00faroc\u00edch a 26.316,-K\u010d na spl\u00e1tce za zb\u00fdvaj\u00edc\u00ed dobu fixace (tedy 3 roky).<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00e9 podklady pot\u0159ebujete k refinancov\u00e1n\u00ed?<\/h2>\n\n\n\n<p><strong>Refinancov\u00e1n\u00ed \u00fav\u011bru je administrativn\u011b o n\u011bco jednodu\u0161\u0161\u00ed, ne\u017e vy\u0159\u00edzen\u00ed \u00fapln\u011b nov\u00e9ho \u00fav\u011bru, p\u0159esto je pot\u0159eba dolo\u017eit tyto podklady:<\/strong><\/p>\n\n\n\n<ul><li><strong>osobn\u00ed doklady v\u0161ech \u017eadatel\u016f o \u00fav\u011br <\/strong>s uveden\u00edm rodinn\u00e9ho stavu (pokud rodinn\u00fd stav nen\u00ed uveden, dokl\u00e1d\u00e1 se nav\u00edc v\u00fdpis z evidence obyvatel, kter\u00fd v\u00e1m vystav\u00ed ka\u017ed\u00fd m\u011bstsk\u00fd \u00fa\u0159ad s roz\u0161\u00ed\u0159enou p\u016fsobnost\u00ed)<\/li><li><strong>kopie p\u016fvodn\u00ed \u00fav\u011brov\u00e9 smlouvy<\/strong><\/li><li><strong>posledn\u00ed v\u00fdpis z \u00fav\u011brov\u00e9ho \u00fa\u010dtu s aktu\u00e1ln\u00edm z\u016fstatkem ke splacen\u00ed <\/strong><\/li><li>pokud refinancujete do 36. m\u011bs\u00edc\u016f od podpisu \u00fav\u011brov\u00e9 smlouvy, je pot\u0159eba<strong> dolo\u017eit p\u0159\u00edjmy<\/strong>&#8211; tedy standardn\u011b potvrzen\u00ed o v\u00fd\u0161i pracovn\u00edho p\u0159\u00edjmu nebo da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed za jeden, p\u0159\u00edpadn\u011b 2 zda\u0148ovac\u00ed obdob\u00ed (nezapome\u0148te na doklad o \u00fahrad\u011b\/vratce dan\u011b)<\/li><li><strong>3-6 posledn\u00edch v\u00fdpis\u016f z \u00fa\u010dtu, kam v\u00e1m chod\u00ed potvrzen\u00fd p\u0159\u00edjem<\/strong> (p\u0159\u00edp. p\u0159\u00edjem z podnik\u00e1n\u00ed)<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Kolik refinancov\u00e1n\u00ed stoj\u00ed?<\/h2>\n\n\n\n<p><strong>Kdy\u017e se rozhodnete \u00fav\u011br refinancovat, je pot\u0159eba br\u00e1t v \u00favahu n\u011bkter\u00e9 poplatky, kter\u00e9 jsou s refinancov\u00e1n\u00edm spojen\u00e9 a to:<\/strong><\/p>\n\n\n\n<ul><li><strong>poplatek za odhad<\/strong>&#8211; n\u011bkter\u00e9 banky u refincov\u00e1n\u00ed poplatek za odhad ne\u00fa\u010dtuj\u00ed, jin\u00e9 zase ano. Cena za odhad se pohybuje v rozmez\u00ed od 2.900,- do 5.500,- podle typu nemovitosti. Online odhad (na z\u00e1klad\u011b fotodokumentace) se pohybuje kolem 500,- a\u017e 1.000,-<\/li><li><strong>poplatek katastr\u00e1ln\u00edmu \u00fa\u0159adu-<\/strong> jedn\u00e1 se o spr\u00e1vn\u00ed poplatek, kter\u00fd je hrazen p\u0159\u00edmo katastru a plat\u00ed se p\u0159i ka\u017ed\u00e9m vkladu. Pokud \u00fav\u011br refinancujete do jin\u00e9 banky, pak poplatek zaplat\u00edte celkem 2x- jednou p\u0159i pod\u00e1n\u00ed n\u00e1vrhu na vklad z\u00e1stavn\u00edho pr\u00e1va, abyste nov\u00fd \u00fav\u011br mohli \u010derpat a sou\u010dasnou hypot\u00e9ku vyplatit a podruh\u00e9, kdy\u017e v\u00e1m va\u0161e p\u0159edchoz\u00ed banka vystav\u00ed n\u00e1vrh na vklad na v\u00fdmaz z\u00e1stavn\u00edho pr\u00e1va. Od 1.1.2020 je spr\u00e1vn\u00ed poplatek 2.000,- za ka\u017ed\u00fd vklad.<\/li><li><strong>Zpracov\u00e1n\u00ed \u00fav\u011bru-<\/strong> n\u011bkter\u00e9 banky p\u0159i refinancov\u00e1n\u00ed \u00fa\u010dtuj\u00ed klient\u016fm poplatek za tzv. poskytnun\u00ed \u00fav\u011bru. Tento poplatek se pohybuje v rozmez\u00ed od 1.900,- do 4.900,-<\/li><li><strong>Zm\u011bna bankovn\u00edho \u00fa\u010dtu<\/strong>&#8211; s refinancov\u00e1n\u00edm je spojena (zpravidla) i povinnost p\u0159ev\u00e9st platebn\u00ed styk do nov\u00e9 banky. P\u0159evod je v sou\u010dasnosti velmi jednoduch\u00fd &#8211; na z\u00e1klad\u011b va\u0161eho souhlasu nov\u00e1 banka p\u0159evede od p\u0159edchoz\u00ed banky v\u0161echny va\u0161e trval\u00e9 p\u0159\u00edkazy na nov\u00fd \u00fa\u010det; jedin\u00e9, co si mus\u00edte znovu nastavit jsou souhlasy s inkasem a ozn\u00e1men\u00ed zm\u011bny inkasn\u00edho \u00fa\u010dtu. Zpravidla je nov\u00fd b\u011b\u017en\u00fd \u00fa\u010det zdarma, jestli\u017ee na n\u011bm uskute\u010dn\u00edte obrat od 15tis m\u011bs\u00ed\u010dn\u011b a n\u011bjak\u00e9 t\u0159i odchoz\u00ed platby. <\/li><li><strong>Poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed a administrativn\u00ed n\u00e1klady banky<\/strong>&#8211; viz n\u00ed\u017ee tabulka poplatk\u016f.<\/li><\/ul>\n\n\n\n<blockquote class=\"wp-block-quote\"><p><strong>Tip: <\/strong>Se spr\u00e1vn\u00fdm hypote\u010dn\u00edm poradcem m\u016f\u017eete na v\u011bt\u0161in\u011b t\u011bchto poplatk\u016f u\u0161et\u0159it!<\/p><\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">Poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed a administrativn\u00ed n\u00e1klady banky.<\/h2>\n\n\n\n<p><strong>Standardn\u011b, pokud \u017e\u00e1d\u00e1te o p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru do dvou let od podpisu smlouvy, m\u016f\u017ee banka n\u00e1rokovat a\u017e v\u0161echny \u00faroky u\u0161l\u00e9 do konce fixace.<\/strong> Pokud \u00fav\u011br ji\u017e trv\u00e1 del\u0161\u00ed dobu jak dva roky, pak p\u0159i p\u0159ed\u010dasn\u00e9m splacen\u00edm m\u016f\u017ee banka po\u017eadovat 1% z jistiny \u00fav\u011bru, maxim\u00e1ln\u011b v\u0161ak 50.000 K\u010d. A do t\u0159etice, pokud do konce fixace zb\u00fdv\u00e1 jeden rok a m\u00e9n\u011b, jsou maxim\u00e1ln\u00ed mo\u017en\u00e9 n\u00e1klady sn\u00ed\u017een\u00e9 na 0,5% z jistiny \u00fav\u011bru.<\/p>\n\n\n\n<p><strong>Krom\u011b v\u00fd\u0161e uveden\u00e9ho m\u016f\u017ee banka d\u00e1le po\u017eadovat \u00fahradu \u00fa\u010deln\u011b vynalo\u017een\u00fdch n\u00e1klad\u016f. Tyto n\u00e1klady nejsou jednotn\u00e9 a ka\u017ed\u00e1 banka k jejich v\u00fdpo\u010dtu p\u0159istupuje rozd\u00edln\u011b<\/strong> (n\u011bkter\u00e9 banky po\u010d\u00edtaj\u00ed s pevnou- fixn\u00ed \u010d\u00e1stkou, n\u011bkter\u00e9 zase po\u010d\u00edtaj\u00ed s cenou pen\u011bz do konce fixace nebo rozd\u00edlem ceny od podpisu \u00fav\u011bru do p\u0159ed\u010dasn\u00e9ho splacen\u00ed nebo ode\u010d\u00edtaj\u00ed v\u00fdnos st\u00e1tn\u00edch dluhopis\u016f do konce fixace, tzv. VAI- v\u00fdnos alternativn\u00ed investice p\u0159\u00edpadn\u011b n\u00e1sob\u00ed cenu lety do konce fixace).<\/p>\n\n\n\n<p><strong>V\u00fd\u0161e n\u00e1hrady tzv. \u00fa\u010deln\u011b vynalo\u017een\u00fdch n\u00e1klad\u016f v\u00e1m banka mus\u00ed vysv\u011btlit pro\u010d je a v jak\u00e9 v\u00fd\u0161i \u00fa\u010dtuje.<\/strong> V\u00fd\u0161e takov\u00e9ho poplatku-n\u00e1hrady v\u0161ak ale nesm\u00ed p\u0159es\u00e1hnout \u010d\u00e1stku \u00farok\u016f, kter\u00e9 byste zaplatili za dobu od p\u0159ed\u010dasn\u00e9ho splacen\u00ed do konce fixace.<\/p>\n\n\n\n<p><strong>\u010cNB vydala doporu\u010den\u00ed ohledn\u011b sn\u00ed\u017een\u00ed \u00fa\u010deln\u011b vynalo\u017een\u00fdch n\u00e1klad\u016f na \u010d\u00e1stku v \u0159\u00e1dech stokorun. Ne v\u0161ak ka\u017ed\u00e1 banka toto doporu\u010den\u00ed akceptuje.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td>Banka<\/td><td>P\u0159ibli\u017en\u00e1 v\u00fd\u0161e poplatku<\/td><\/tr><tr><td>Moneta Money Bank<\/td><td>700,-<\/td><\/tr><tr><td>\u010cesk\u00e1 spo\u0159itelna<\/td><td>5.000,-<\/td><\/tr><tr><td>Creditas<\/td><td>0,-<\/td><\/tr><tr><td>Hypote\u010dn\u00ed banka<\/td><td>500,-<\/td><\/tr><tr><td>mBank<\/td><td>3.000,- <\/td><\/tr><tr><td>Komer\u010dn\u00ed banka<\/td><td>0* <\/td><\/tr><tr><td>Unicredit bank<\/td><td>individu\u00e1ln\u011b <\/td><\/tr><tr><td>Raiffeisenbank<\/td><td>1.000,-<\/td><\/tr><\/tbody><\/table><figcaption>* <em>pro v\u00fdpo\u010det p\u0159\u00edpadn\u00e9ho poplatku m\u016f\u017eete vyu\u017e\u00edt webovou kalkula\u010dku na str\u00e1nk\u00e1ch <a href=\"https:\/\/www.ms-kb.cz\/predcasne-splaceni\/\">Komer\u010dn\u00ed banky<\/a> <strong>Uveden\u00e9 poplatky jsou orienta\u010dn\u00ed a rozhodn\u011b nejsou nijak z\u00e1vazn\u00e9 a mohou se li\u0161it; p\u0159i jejich zad\u00e1n\u00ed jsem vych\u00e1zela z aktu\u00e1ln\u00edch vy\u010d\u00edslen\u00ed z\u016fstatk\u016f ke splacen\u00ed vystaven\u00fdm klient\u016fm, kte\u0159\u00ed se rozhodli refinancovat sv\u00e9 hypot\u00e9ky uzav\u0159en\u00e9 po 1.12.2016 <\/strong><\/em><\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Jak dlouho refinancov\u00e1n\u00ed trv\u00e1?<\/h2>\n\n\n\n<p><strong>Zpracov\u00e1n\u00ed nov\u00e9 \u00fav\u011brov\u00e9 smlouvy zpravidla trv\u00e1 2 t\u00fddny (p\u0159i online odhadu) a\u017e 4 t\u00fddny (p\u0159i fyzick\u00e9m odhadu). <\/strong>Jakmile je \u00fav\u011br schv\u00e1len\u00fd a podepsali jste jej, \u010dek\u00e1 v\u00e1s spln\u011bn\u00ed podm\u00ednek pro \u010derp\u00e1n\u00ed \u00fav\u011bru. T\u011bmito podm\u00ednkami zpravidla jsou:<\/p>\n\n\n\n<ul><li><strong>dolo\u017een\u00ed vy\u010d\u00edslen\u00ed z\u016fstatku ke splacen\u00ed a prohl\u00e1\u0161en\u00ed sou\u010dasn\u00e9ho v\u011b\u0159itele <\/strong>o tom, \u017ee vyd\u00e1 potvrzen\u00ed o z\u00e1niku z\u00e1stavn\u00edho pr\u00e1va k zastavovan\u00e9 nemovitosti ihned po t\u00e9, co bude \u00fav\u011br splacen<\/li><li><strong>p\u0159edlo\u017een\u00ed pojistn\u00e9 smlouvy <\/strong>na zastavovanou nemovitosti <\/li><li><strong>uzav\u0159en\u00ed z\u00e1stavn\u00ed smlouvy na pojistn\u00e9 pln\u011bn\u00ed<\/strong><\/li><li><strong>uzav\u0159en\u00ed z\u00e1stavn\u00ed smlouvy na zastavovanou nemovitosti a jej\u00ed vklad na katastr<\/strong><\/li><\/ul>\n\n\n\n<p>Jakmile je nov\u00e1 hypot\u00e9ka vyplacen\u00e1 (\u010derpan\u00e1) a p\u0159edchoz\u00ed \u00fav\u011br splacen, p\u0159ich\u00e1z\u00ed na \u0159adu spl\u00e1cen\u00ed \u00fav\u011bru. <strong>Prvn\u00ed spl\u00e1tka \u00fav\u011bru je zpravidla ni\u017e\u0161\u00ed, ne\u017e jak\u00e1 je p\u0159edepsan\u00e1 v \u00fav\u011brov\u00e9 smlouv\u011b. Je do dan\u00e9 t\u00edm, kdy jste skute\u010dn\u011b hypot\u00e9ku vy\u010derpali a kolik dn\u00ed v\u00e1m od \u010derp\u00e1n\u00ed zb\u00fdv\u00e1 do konce kalend\u00e1\u0159n\u00edho m\u011bs\u00edce.<\/strong> Za toto obdob\u00ed spl\u00e1c\u00edte pom\u011brnou \u010d\u00e1st \u00fav\u011bru v n\u00e1sleduj\u00edc\u00edm m\u011bs\u00edci. A\u017e zpravidla druh\u00fd m\u011bs\u00edc od \u010derp\u00e1n\u00ed spl\u00e1c\u00edte p\u0159edepsanou \u010d\u00e1stku dle \u00fav\u011brov\u00e9 smlouvy.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>Zaj\u00edm\u00e1 v\u00e1s, kolik byste mohli u\u0161et\u0159it na spl\u00e1tk\u00e1ch u sv\u00e9 sou\u010dasn\u00e9 hypot\u00e9ky? Napi\u0161te si o nez\u00e1vazn\u00fd propo\u010det.<\/p><\/blockquote>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Refinancov\u00e1n\u00ed \u00fav\u011bru nebo-li splacen\u00ed st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho \u00fav\u011bru nov\u00fdm hypote\u010dn\u00edm \u00fav\u011brem by m\u011blo m\u00edt p\u0159edev\u0161\u00edm ekonomick\u00fd smysl&#8211; tedy ni\u017e\u0161\u00ed \u00farokovou sazbu a tak\u00e9 minim\u00e1ln\u00ed poplatky za p\u0159ed\u010dasn\u00e9 ukon\u010den\u00ed st\u00e1vaj\u00edc\u00ed smlouvy. V tomto \u010dl\u00e1nku v\u00e1m p\u0159edstav\u00edm, jak takov\u00e9 refinancov\u00e1n\u00ed funguje, jak\u00e9 jsou aktu\u00e1ln\u011b poplatky v jednotliv\u00fdch bank\u00e1ch a \u010d\u00edm se poplatky \u0159\u00edd\u00ed a tak\u00e9 v\u00e1m uk\u00e1\u017eu jeden [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7431,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ub_ctt_via":"","footnotes":""},"categories":[63],"tags":[64],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2020\/11\/refinancovani-hypoteky2.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\/7424"}],"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=7424"}],"version-history":[{"count":11,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/7424\/revisions"}],"predecessor-version":[{"id":7796,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/7424\/revisions\/7796"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/7431"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=7424"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=7424"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=7424"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}