{"id":4057,"date":"2021-10-05T12:59:42","date_gmt":"2021-10-05T10:59:42","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=4057"},"modified":"2022-03-08T15:42:25","modified_gmt":"2022-03-08T14:42:25","slug":"refinancovanie-hypoteky-10-rad-kedy-sa-naozaj-oplati","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/refinancovanie-hypoteky-10-rad-kedy-sa-naozaj-oplati\/","title":{"rendered":"Refinancovanie hypot\u00e9ky: 10 r\u00e1d, ako na to"},"content":{"rendered":"\n<p><b>Aktu\u00e1lne n\u00edzke <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">\u00farokov\u00e9 sadzby<\/a> na hypot\u00e9kach s\u00fa pre \u013eud\u00ed so star\u0161\u00edmi \u00favermi v s\u00fa\u010dasnosti ve\u013emi l\u00e1kav\u00e9. \u010casto sa p\u00fdtaj\u00fa, \u010di sa im oplat\u00ed refinancova\u0165 hypot\u00e9ku aj s \u00farokom 1,5 % \u010di dokonca 1 %. Tento krok si treba dobre prer\u00e1ta\u0165 a zoh\u013eadni\u0165 aj viacer\u00e9 poplatky, na ktor\u00e9 \u013eudia \u010dasto zab\u00fadaj\u00fa. \u010co v\u0161etko sa oplat\u00ed vedie\u0165?<\/b><\/p>\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/strong><\/p>\n<ul>\n<li>Pri akom \u00faroku refinancova\u0165 hypot\u00e9ku<\/li>\n<li>10 r\u00e1d, ako postupova\u0165 a \u010do budete potrebova\u0165<\/li>\n<li>Refinancovan\u00edm m\u00f4\u017eete vyrie\u0161i\u0165 r\u00f4zne probl\u00e9my<\/li>\n<li>Ko\u013eko m\u00f4\u017eete u\u0161etri\u0165 zl\u00fa\u010den\u00edm viacer\u00fdch \u00faverov<\/li>\n<li>Pre\u010do sa poradi\u0165 s fundovan\u00fdmi odborn\u00edkmi <a href=\"https:\/\/www.fingo.sk\/kontakty\">z FinGO.sk<\/a><\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\">Pri akom \u00faroku refinancova\u0165 hypot\u00e9ku<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Refinancovanie hypot\u00e9ky m\u00f4\u017ee by\u0165 ve\u013emi zauj\u00edmav\u00e9 aj pri malom rozdiele medzi p\u00f4vodnou a novou \u00farokovou sadzbou. \u0160tandardne je odpor\u00fa\u010dan\u00fd rozdiel <\/span><b>okolo 0,5 %<\/b><span style=\"font-weight: 400;\"> oproti p\u00f4vodnej \u00farokovej sadzbe, ale ak v\u00e1m nov\u00e1 banka preplat\u00ed poplatok za pred\u010dasn\u00e9 splatenie \u00faveru, \u00fasporu m\u00f4\u017eete dosiahnu\u0165 aj pri men\u0161om rozdiele. Samozrejme z\u00e1le\u017e\u00ed to aj od <a href=\"https:\/\/www.fingo.sk\/blog\/hypoteka\/\">v\u00fd\u0161ky hypot\u00e9ky.<\/a>\u00a0<\/span><\/p>\n<p><b><span style=\"color: #ec8124;\">Pr\u00edklad:<\/span> <\/b><span style=\"font-weight: 400;\">Rozdiel 0,5 % m\u00f4\u017ee <strong>pri \u00favere 150 000 eur<\/strong> predstavova\u0165 viac ako 30 eur, av\u0161ak ak m\u00e1te zostatok \u00faveru <strong>40 000 eur<\/strong>, \u00faspora v mesa\u010dnej spl\u00e1tke nemus\u00ed by\u0165 ani 10 eur.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>TIP: <\/b><\/span><span style=\"font-weight: 400;\">\u00darokov\u00e1 sadzba ale nie je to jedin\u00e9, \u010do rozhoduje o v\u00fdhodnosti refinancovania \u00faverov. Pre\u010do je to tak? Najd\u00f4le\u017eitej\u0161ie rady s pr\u00edkladmi n\u00e1jdete ni\u017e\u0161ie.<\/span><\/p>\n<p><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/refinancovanie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=refi_gif\"><img decoding=\"async\" class=\"alignnone wp-image-5451 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/10\/fingo-kalkulacka-refinancovanie-hypoteky.gif\" alt=\"Fingo.sk refinancovanie hypot\u00e9ky kalkula\u010dka\" width=\"1350\" height=\"738\" \/><\/a><\/p>\n<h2><span style=\"color: #ec8124;\">10 r\u00e1d, ako postupova\u0165 a \u010do budete potrebova\u0165<\/span><\/h2>\n<h3><span style=\"color: #ec8124;\"><b>1. Refinancova\u0165 m\u00f4\u017eete kedyko\u013evek<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/refinancovanie\">Refinancova\u0165 hypot\u00e9ku<\/a> alebo zl\u00fa\u010di\u0165 (\u010di\u017ee konsolidova\u0165) viac \u00faverov do jedin\u00e9ho <strong>v\u00fdhodnej\u0161ieho \u00faveru<\/strong> m\u00f4\u017eete kedyko\u013evek. Cie\u013eom m\u00f4\u017ee by\u0165 zn\u00ed\u017eenie celkov\u00e9ho preplatenia va\u0161ich \u00faverov, ale aj dosiahnutie ni\u017e\u0161ej mesa\u010dnej spl\u00e1tky, aby ste zn\u00ed\u017eili tlak na v\u00e1\u0161 rodinn\u00fd rozpo\u010det. Okrem finan\u010dnej \u00faspory v\u0161ak t\u00fdmto krokom m\u00f4\u017eete dosiahnu\u0165 aj dlh\u0161iu fix\u00e1ciu a teda nemennos\u0165 spl\u00e1tky, pr\u00edpadne vyrie\u0161i\u0165 in\u00fd probl\u00e9m na \u00favere.\u00a0<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>2. Rozdiel v \u00faroku m\u00f4\u017ee by\u0165 0,5 %, ale aj menej<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Refinancovanie m\u00f4\u017ee by\u0165 ve\u013emi zauj\u00edmav\u00e9 aj pri malom rozdiele medzi p\u00f4vodnou a novou \u00farokovou sadzbou. \u0160tandardne je odpor\u00fa\u010dan\u00fd rozdiel okolo 0,5 % oproti p\u00f4vodnej \u00farokovej sadzbe. Ale ak v\u00e1m nov\u00e1 banka preplat\u00ed poplatok za pred\u010dasn\u00e9 splatenie \u00faveru, m\u00e1te<strong> efekt \u00faspory zaru\u010den\u00fd<\/strong> aj pri rozdiele p\u00e1r desat\u00edn percenta v \u00faroku.\u00a0<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>3. Najviac u\u0161etr\u00edte, ak si zl\u00fa\u010dite viac \u00faverov do jedn\u00e9ho<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Najv\u00fdraznej\u0161\u00ed efekt m\u00e1 refinancovanie vtedy, ak nov\u00fdm \u00faverom nahrad\u00edte viacero menej v\u00fdhodn\u00fdch \u00faverov \u010di p\u00f4\u017ei\u010diek &#8211; hovor\u00ed sa tomu <strong>konsolid\u00e1cia.<\/strong> Konsolidova\u0165, teda zl\u00fa\u010di\u0165 dokopy m\u00f4\u017eete prakticky v\u0161etky \u00favery, ktor\u00e9 m\u00e1te evidovan\u00e9 v \u00faverovom registri. \u010ci\u017ee hypot\u00e9ky, spotrebn\u00e9 \u00favery, kreditn\u00e9 karty, povolen\u00e9 pre\u010derpanie, \u00favery stavebn\u00fdch sporite\u013en\u00ed, ale aj leasingy a v niektor\u00fdch bank\u00e1ch aj \u00favery nebankov\u00fdch spolo\u010dnost\u00ed.\u00a0<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong><\/span> Na\u0161i sk\u00fasen\u00ed makl\u00e9ri z FinGO.sk v\u00e1m vy\u010d\u00edslia, ko\u013eko by ste mohli u\u0161etri\u0165, ak okrem hypot\u00e9ky spl\u00e1cate aj spotrebn\u00fd \u00faver alebo leasing. <span style=\"font-weight: 400;\">Zavolajte n\u00e1m na\u00a0<a href=\"tel:0800601060\"><strong>0800 60 10 60<\/strong><\/a><\/span><span style=\"font-weight: 400;\"> alebo n\u00e1s <a href=\"https:\/\/www.fingo.sk\/kontakty\"><strong>kontaktuje online,<\/strong><\/a>\u00a0porad\u00edme v\u00e1m zadarmo.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>4. Ide\u00e1lne je, ak m\u00e1te byt alebo dom na zabezpe\u010denie \u00faveru<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Najlacnej\u0161ie s\u00fa pr\u00e1ve \u00favery na b\u00fdvanie, \u010di\u017ee aj refinancovanie sa najviac oplat\u00ed ak m\u00e1te dom alebo byt, ktor\u00e9 m\u00f4\u017eete vyu\u017ei\u0165 <strong>na zabezpe\u010denie \u00faveru<\/strong>. Zhruba do 80 % hodnoty va\u0161ej nehnute\u013enosti m\u00f4\u017eete zl\u00fa\u010di\u0165 zostatky v\u0161etk\u00fdch menej v\u00fdhodn\u00fdch \u00faverov, p\u00f4\u017ei\u010diek, kreditn\u00fdch kariet \u010di povolen\u00fdch pre\u010derpan\u00ed.\u00a0<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>5. Banky preveruj\u00fa v\u00e1\u0161 pr\u00edjem len pri v\u00e4\u010d\u0161om nav\u00fd\u0161en\u00ed hypot\u00e9ky<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pri refinancovan\u00ed \u00faverov banky nesk\u00famaj\u00fa v\u00fd\u0161ku v\u00e1\u0161ho s\u00fa\u010dasn\u00e9ho pr\u00edjmu, iba si <strong>overia \u017ee ste zamestnan\u00fd, resp. podnik\u00e1te<\/strong>. D\u00f4le\u017eit\u00e9 je, aby ste doteraz spl\u00e1cali \u00favery riadne a v\u010das. Keby ste chceli po\u017eiada\u0165 o nav\u00fd\u0161enie hypot\u00e9ky, vtedy si u\u017e banka v\u00e1\u0161 pr\u00edjem prever\u00ed, aby vedela, \u017ee vy\u0161\u0161\u00ed \u00faver dok\u00e1\u017eete spl\u00e1ca\u0165. <\/span><\/p>\n<blockquote>\n<p><span style=\"font-weight: 400;\">Ak neviete zdokladova\u0165 v\u00fd\u0161ku svojho pr\u00edjmu, m\u00f4\u017eete si \u00faver nav\u00fd\u0161i\u0165 maxim\u00e1lne o 5 %, resp. o 2 000 eur. Mus\u00edte v\u0161ak preuk\u00e1za\u0165 bezprobl\u00e9mov\u00e9 a kontinu\u00e1lne spl\u00e1canie v\u00e1\u0161ho \u00faveru dostato\u010dne dlh\u00fa dobu.<\/span><\/p>\n<\/blockquote>\n<h3><span style=\"color: #ec8124;\"><b>6. Najvy\u0161\u0161\u00ed b\u00fdva poplatok za pred\u010dasn\u00e9 splatenie \u00faveru<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Berte ale do \u00favahy aj vstupn\u00e9 n\u00e1klady, ktor\u00e9 b\u00fdvaj\u00fa s refinancovan\u00edm spojen\u00e9. Najv\u00fdraznej\u0161\u00ed poplatok b\u00fdva za pred\u010dasn\u00e9 splatenie hypot\u00e9ky, ak by ste ju vypl\u00e1cali mimo v\u00fdro\u010dia fix\u00e1cie. Vtedy v\u00e1m star\u00e1 banka \u00fa\u010dtuje poplatok<strong> 1 % zo zostatku \u00faveru<\/strong>. Aj pri refinancovan\u00ed spotrebn\u00e9ho \u00faveru a medzi\u00faveru zo stavebnej sporite\u013ene nad 10 000 eur treba r\u00e1ta\u0165 s poplatkami za pred\u010dasn\u00e9 splatenie vo v\u00fd\u0161ke 1 % zo zostatku \u00faveru.\u00a0<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>7. Nezabudnite na znaleck\u00fd posudok a poplatok na katastri<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Po\u010d\u00edtajte aj s poplatkom za vklad z\u00e1lo\u017en\u00fdch zml\u00fav na katastri (66 \u20ac) alebo za nov\u00fd znaleck\u00fd posudok nehnute\u013enosti, ak bude v novej banke potrebn\u00fd (cca od 120 \u20ac do 300 \u20ac v z\u00e1vislosti od typu nehnute\u013enosti). Niektor\u00fdm bank\u00e1m pri refinancovan\u00ed sta\u010d\u00ed aj <strong>p\u00f4vodn\u00fd <a href=\"https:\/\/www.fingo.sk\/blog\/ako-vybavit-znalecky-posudok-domu-ci-bytu\/\">znaleck\u00fd posudok<\/a><\/strong> z obdobia, ke\u010f ste vybavovali prv\u00fa hypot\u00e9ku. Samozrejme, <\/span><span style=\"font-weight: 400;\">z\u00e1vis\u00ed to aj od toho, \u010di je v posudku nehnute\u013enos\u0165 ohodnoten\u00e1 na dostato\u010dn\u00fa sumu vzh\u013eadom k zostatku \u00faveru, resp. viacer\u00fdch \u00faverov, ktor\u00e9 refinancujete.\u00a0<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>8. Zoh\u013eadnite aj \u010fal\u0161ie n\u00e1klady spojen\u00e9 s ni\u017e\u0161\u00edm \u00farokom<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pri refinancovan\u00ed zoh\u013eadnite aj<strong> dodato\u010dn\u00e9 podmienky<\/strong> novej banky, ktor\u00e9 m\u00f4\u017eu by\u0165 naviazan\u00e9 na z\u00edskanie <a href=\"https:\/\/www.fingo.sk\/blog\/hypoteky-su-rekordne-lacne\/\">najni\u017e\u0161ieho \u00faroku<\/a>. Obvykle ide o akt\u00edvne pou\u017e\u00edvanie \u00fa\u010dtu, poistenie \u00faveru \u010di nehnute\u013enosti. Rovnako zv\u00e1\u017ete, \u010di presunom hypot\u00e9ky pl\u00e1nujete, resp. mus\u00edte meni\u0165 aj be\u017en\u00fd \u00fa\u010det. Lebo ak v\u00e1m nov\u00e1 banka podmieni \u00farok vyu\u017e\u00edvan\u00edm \u00fa\u010dtu, m\u00f4\u017eu v\u00e1m vznikn\u00fa\u0165 zbyto\u010dn\u00e9 n\u00e1klady na vedenie dvoch \u00fa\u010dtov.\u00a0<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>9. V mnoh\u00fdch bank\u00e1ch sa d\u00e1 vyjedna\u0165 lep\u0161\u00ed \u00farok na hypot\u00e9ke<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">E\u0161te predt\u00fdm, ako sa rozhodnete refinancova\u0165 hypot\u00e9ku, zv\u00e1\u017ete aj ponuku va\u0161ej banky, kde aktu\u00e1lne \u00faver spl\u00e1cate. Ve\u013ea b\u00e1nk je pripraven\u00fdch vyjedn\u00e1va\u0165 o \u00farokovej sadzbe <strong>aj mimo v\u00fdro\u010dia fix\u00e1cie,<\/strong> aby nepri\u0161li o svojich klientov. M\u00f4\u017eete tak u\u0161etri\u0165 \u010das a z\u00edska\u0165 adekv\u00e1tne podmienky aj bez toho, aby ste museli meni\u0165 banku.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><strong>10. <\/strong><b>Porovnajte si ponuky viacer\u00fdch b\u00e1nk, na detailoch z\u00e1le\u017e\u00ed<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ak m\u00e1te \u00favery v r\u00f4znych bank\u00e1ch, oplat\u00ed sa najsk\u00f4r po\u017eiada\u0165 o konsolid\u00e1ciu v banke, kde akt\u00edvne vyu\u017e\u00edvate be\u017en\u00fd \u00fa\u010det. Nie je v\u0161ak pravidlom, \u017ee v\u00e1m pon\u00fakne najv\u00fdhodnej\u0161ie podmienky. Preto ak chcete pozna\u0165 v\u0161etky dostupn\u00e9 mo\u017enosti, urobte si <strong>komplexn\u00fd prieskum<\/strong> alebo oslovte <a href=\"https:\/\/www.fingo.sk\/kontakty\">finan\u010dn\u00e9ho sprostredkovate\u013ea<\/a>, ktor\u00fd v\u00e1m porovn\u00e1 ponuky b\u00e1nk aj s oh\u013eadom na dodato\u010dn\u00e9 n\u00e1klady pri refinancovan\u00ed, resp. konsolid\u00e1cii \u00faverov.<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-4071\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/10\/kalkulacka_blog.jpg\" alt=\"\u013eudia sedia pri stole pri po\u010d\u00edta\u010di \" width=\"600\" height=\"400\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/10\/kalkulacka_blog.jpg 1080w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/10\/kalkulacka_blog-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/10\/kalkulacka_blog-1024x683.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/10\/kalkulacka_blog-768x512.jpg 768w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<h2><strong><span style=\"color: #ec8124;\">Refinancovan\u00edm m\u00f4\u017eete vyrie\u0161i\u0165 aj in\u00e9 probl\u00e9my<\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">D\u00f4vody na refinancovanie m\u00f4\u017eu by\u0165 r\u00f4zne. Rozhodnutie kedy a ako refinancova\u0165 z\u00e1vis\u00ed aj od v\u00fd\u0161ky va\u0161ej p\u00f4vodnej hypot\u00e9ky a takisto od va\u0161ich<strong> individu\u00e1lnych preferenci\u00ed.\u00a0<\/strong><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prenosom hypot\u00e9ky sa napr\u00edklad m\u00f4\u017eete zbavi\u0165 zbyto\u010dn\u00fdch <a href=\"https:\/\/www.fingo.sk\/blog\/ktora-banka-je-najlepsia-porovnali-sme-pre-vas-ucty\/\">poplatkov za vedenie \u00fa\u010dtu<\/a> alebo <strong>predra\u017een\u00e9ho poistenia<\/strong>. Pokia\u013e v novej banke m\u00f4\u017eete z\u00edska\u0165 bezplatn\u00e9 vedenie \u00fa\u010dtu, m\u00f4\u017ee to by\u0165 \u010fal\u0161\u00ed d\u00f4vod na zmenu banky.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Takisto m\u00f4\u017ee by\u0165 d\u00f4vodom aj mo\u017en\u00e1 <strong>dlh\u0161ia fix\u00e1cia <\/strong>hypot\u00e9ky, ktor\u00e1 sa v\u00e1m pri s\u00fa\u010dasn\u00fdch n\u00edzkych \u00farokoch postar\u00e1 o nemenn\u00fa spl\u00e1tku napr\u00edklad <a href=\"https:\/\/www.fingo.sk\/blog\/fixacia-uroku-na-hypoteke\/\">a\u017e na 10 rokov<\/a>.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Na refinancovanie sa m\u00f4\u017eete pozera\u0165 aj z in\u00e9ho uhla a vyrie\u0161i\u0165 tak <strong>in\u00fd probl\u00e9m<\/strong>. Napr\u00edklad ak potrebujete z \u00faveru vy\u0148a\u0165 jednu zo zalo\u017een\u00fdch nehnute\u013enost\u00ed, pr\u00edpadne sa va\u0161e pr\u00edjmov\u00e9 pomery zmenili a chcete z \u00faveru <strong>vy\u0148a\u0165 spoludl\u017en\u00edka.\u00a0<\/strong><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Niekedy refinancovanie rie\u0161i aj <strong>z\u00e1menu zabezpe\u010denia \u00faveru,<\/strong> naj\u010dastej\u0161ie z rodi\u010dovsk\u00e9ho domu na vlastn\u00fd dostavan\u00fd dom. Ak v\u00e1m v t\u00fdchto po\u017eiadavk\u00e1ch nevie vyjs\u0165 v \u00fastrety p\u00f4vodn\u00e1 banka, m\u00f4\u017ee sa v\u00e1m to podari\u0165 v inej banke.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Jednozna\u010dn\u00e1 vo\u013eba \u00eds\u0165 do refinancovania nast\u00e1va v pr\u00edpade, ak potrebujete <strong>spoji\u0165 viacer\u00e9 \u00favery<\/strong> a va\u0161ou prioritou je \u010do najni\u017e\u0161ia mesa\u010dn\u00e1 spl\u00e1tka. M\u00f4\u017ee \u00eds\u0165 o hypot\u00e9ku, spotrebn\u00fd \u00faver, \u00faver stavebnej sporite\u013ene, ale aj kreditn\u00fa kartu \u010di leasing.\u00a0<\/span><\/li>\n<\/ul>\n<h2><strong><span style=\"color: #ec8124;\">Ko\u013eko m\u00f4\u017eete u\u0161etri\u0165 zl\u00fa\u010den\u00edm viacer\u00fdch \u00faverov<\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\"><strong><span style=\"color: #ec8124;\">Pr\u00edklad 1:<\/span> <\/strong>Klient spl\u00e1ca hypot\u00e9ku so zostatkom 125 000 \u20ac s \u00farokom 1,69 % a spotrebn\u00fd \u00faver so zostatkom 23 000 \u20ac s \u00farokom 9,9 %. Hodnota jeho nehnute\u013enosti je 186-tis\u00edc eur. Poplatok za pred\u010dasn\u00e9 splatenie hypot\u00e9ky mu preplat\u00ed banka, v ktorej bude \u00favery konsolidova\u0165. M\u00f4\u017ee \u00eds\u0165 aj o situ\u00e1ciu, \u017ee refinancuje hypot\u00e9ku pri v\u00fdro\u010d\u00ed svojej fix\u00e1cie a vtedy poplatok za splatenie \u00faveru zo z\u00e1kona neplat\u00ed.<\/span><\/p>\n<table style=\"height: 604px; width: 100%; border-style: solid; border-color: #efefef;\">\n<tbody>\n<tr style=\"height: 64px;\">\n<td style=\"width: 42.619%; height: 64px; border-style: solid; border-color: #efefef;\">\n<p><strong>P\u00f4vodn\u00e9 \u00favery<\/strong><\/p>\n<\/td>\n<td style=\"width: 13.2143%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\">\n<p><strong>V\u00fd\u0161ka \u00faveru<\/strong><\/p>\n<\/td>\n<td style=\"width: 17.8571%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\">\n<p><strong>Mesa\u010dn\u00e1 spl\u00e1tka<\/strong><\/p>\n<\/td>\n<td style=\"width: 25.2381%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\">\n<p><strong>Celkovo za \u00favery zaplat\u00ed<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 64px;\">\n<td style=\"width: 42.619%; height: 64px; border-style: solid; border-color: #efefef;\">\n<p>Hypot\u00e9ka s \u00farokom 1,69 % na 25 rokov<\/p>\n<\/td>\n<td style=\"width: 13.2143%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\">\n<p>125 000 \u20ac<\/p>\n<\/td>\n<td style=\"width: 17.8571%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\">\n<p>511,16 \u20ac<\/p>\n<\/td>\n<td style=\"width: 25.2381%; height: 192px; border-style: solid; border-color: #efefef; text-align: center;\" rowspan=\"3\">\n<p><strong>183 943,68 \u20ac<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 64px;\">\n<td style=\"width: 42.619%; height: 64px; border-style: solid; border-color: #efefef;\">\n<p>Spotrebn\u00fd \u00faver s \u00farokom 9,9 % na 6 rokov\u00a0<\/p>\n<\/td>\n<td style=\"width: 13.2143%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\">\n<p>23 000 \u20ac<\/p>\n<\/td>\n<td style=\"width: 17.8571%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\">\n<p>424,94 \u20ac<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 64px;\">\n<td style=\"width: 42.619%; height: 64px; border-style: solid; border-color: #efefef;\">\n<p><strong>Spolu\u00a0<\/strong><\/p>\n<\/td>\n<td style=\"width: 13.2143%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\">\n<p>148 000 \u20ac<\/p>\n<\/td>\n<td style=\"width: 17.8571%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\">\n<p>936,10 \u20ac<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 64px;\">\n<td style=\"width: 98.9286%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\" colspan=\"4\">\n<p style=\"text-align: left;\"><strong>Nov\u00fd \u00faver<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 64px;\">\n<td style=\"width: 42.619%; height: 64px; border-style: solid; border-color: #efefef;\">\n<p>Hypot\u00e9ka s \u00farokom 0,89 % na 25 rokov<\/p>\n<\/td>\n<td style=\"width: 13.2143%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\">\n<p>148 000 \u20ac<\/p>\n<\/td>\n<td style=\"width: 17.8571%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\">\n<p>550,43 \u20ac<\/p>\n<\/td>\n<td style=\"width: 25.2381%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\">\n<p><strong>165 129 \u20ac<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 92px;\">\n<td style=\"width: 98.9286%; height: 92px; border-style: solid; border-color: #efefef;\" colspan=\"4\">\n<p>N\u00e1klady na nov\u00fd \u00faver s\u00fa 596 \u20ac (230 \u20ac poplatok za pred\u010dasn\u00e9 splatenie spotrebn\u00e9ho \u00faveru, 66 \u20ac za kataster a 300 \u20ac za znaleck\u00fd posudok)<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 64px;\">\n<td style=\"width: 55.8333%; height: 128px; border-style: solid; border-color: #efefef;\" colspan=\"2\" rowspan=\"2\">\n<p style=\"text-align: left;\"><span style=\"color: #ec8124;\"><strong>V\u010faka konsolid\u00e1cii \u00faverov u\u0161etr\u00ed<\/strong><\/span><\/p>\n<\/td>\n<td style=\"width: 17.8571%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\">\n<p><span style=\"color: #ec8124;\"><strong>Mesa\u010dn\u00e1 \u00faspora<\/strong><\/span><\/p>\n<\/td>\n<td style=\"width: 25.2381%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\">\n<p><span style=\"color: #ec8124;\"><strong>Celkov\u00e1 \u00faspora<\/strong><\/span><\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 64px;\">\n<td style=\"width: 17.8571%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\">\n<p><span style=\"color: #ec8124;\">385,67 \u20ac<\/span><\/p>\n<\/td>\n<td style=\"width: 25.2381%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\">\n<p><span style=\"color: #ec8124;\">18 218,68 \u20ac<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"color: #ec8124;\"><strong>Pr\u00edklad 2:<\/strong><\/span> Klient spl\u00e1ca hypot\u00e9ku so zostatkom 103 000 \u20ac, medzi\u00faver stavebnej sporite\u013ene so zostatkom 19 000 \u20ac a spotrebn\u00fd \u00faver so zostatkom 2 500 \u20ac. Hodnota jeho nehnute\u013enosti je 150 000 \u20ac. Poplatok za pred\u010dasn\u00e9 splatenie hypot\u00e9ky mu preplat\u00ed banka, v ktorej bude \u00favery konsolidova\u0165. M\u00f4\u017ee \u00eds\u0165 aj o situ\u00e1ciu, \u017ee refinancuje hypot\u00e9ku pri v\u00fdro\u010d\u00ed svojej fix\u00e1cie a vtedy poplatok za splatenie \u00faveru zo z\u00e1kona neplat\u00ed.<\/p>\n<table style=\"height: 756px; width: 100%; border-style: solid; border-color: #efefef;\">\n<tbody>\n<tr style=\"height: 64px;\">\n<td style=\"width: 41.6667%; height: 64px; border-style: solid; border-color: #efefef;\" width=\"259\">\n<p><strong>P\u00f4vodn\u00e9 \u00favery<\/strong><\/p>\n<\/td>\n<td style=\"width: 13.9286%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\" width=\"86\">\n<p><strong>V\u00fd\u0161ka \u00faveru<\/strong><\/p>\n<\/td>\n<td style=\"width: 18.9286%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\" width=\"118\">\n<p><strong>Mesa\u010dn\u00e1 spl\u00e1tka<\/strong><\/p>\n<\/td>\n<td style=\"width: 24.2857%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\" width=\"151\">\n<p><strong>Celkovo za \u00favery zaplat\u00ed<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 64px;\">\n<td style=\"width: 41.6667%; height: 64px; border-style: solid; border-color: #efefef;\" width=\"259\">\n<p>Hypot\u00e9ka s \u00farokom 1,99 % na 20 rokov<\/p>\n<\/td>\n<td style=\"width: 13.9286%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\" width=\"86\">\n<p>103 000 \u20ac<\/p>\n<\/td>\n<td style=\"width: 18.9286%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\" width=\"118\">\n<p>520,57 \u20ac<\/p>\n<\/td>\n<td style=\"width: 24.2857%; height: 344px; border-style: solid; border-color: #efefef; text-align: center;\" rowspan=\"4\" width=\"151\">\n<p><strong>159 386,28 \u20ac<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 108px;\">\n<td style=\"width: 41.6667%; height: 108px; border-style: solid; border-color: #efefef;\" width=\"259\">\n<p>Medzi\u00faver od stavebnej sporite\u013ene<\/p>\n<p>s \u00farokom 5,49 % na 19 rokov<\/p>\n<\/td>\n<td style=\"width: 13.9286%; height: 108px; border-style: solid; border-color: #efefef; text-align: center;\" width=\"86\">\n<p>19 000 \u20ac<\/p>\n<\/td>\n<td style=\"width: 18.9286%; height: 108px; border-style: solid; border-color: #efefef; text-align: center;\" width=\"118\">\n<p>134,39 \u20ac<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 108px;\">\n<td style=\"width: 41.6667%; height: 108px; border-style: solid; border-color: #efefef;\" width=\"259\">\n<p>Spotrebn\u00fd \u00faver s \u00farokom 12,9 %<\/p>\n<p>na 7 rokov<\/p>\n<\/td>\n<td style=\"width: 13.9286%; height: 108px; border-style: solid; border-color: #efefef; text-align: center;\" width=\"86\">\n<p>2 500 \u20ac<\/p>\n<\/td>\n<td style=\"width: 18.9286%; height: 108px; border-style: solid; border-color: #efefef; text-align: center;\" width=\"118\">\n<p>45,34 \u20ac<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 64px;\">\n<td style=\"width: 41.6667%; height: 64px; border-style: solid; border-color: #efefef;\" width=\"259\">\n<p><strong>Spolu\u00a0<\/strong><\/p>\n<\/td>\n<td style=\"width: 13.9286%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\" width=\"86\">\n<p>124 500 \u20ac<\/p>\n<\/td>\n<td style=\"width: 18.9286%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\" width=\"118\">\n<p>700,30 \u20ac<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 64px;\">\n<td style=\"width: 98.8096%; height: 64px; border-style: solid; border-color: #efefef;\" colspan=\"4\">\n<p style=\"text-align: left;\"><strong>Nov\u00fd \u00faver<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 64px;\">\n<td style=\"width: 41.6667%; height: 64px; border-style: solid; border-color: #efefef;\" width=\"259\">\n<p>Hypot\u00e9ka s \u00farokom 0,89 % na 20 rokov<\/p>\n<\/td>\n<td style=\"width: 13.9286%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\" width=\"86\">\n<p>124 500 \u20ac<\/p>\n<\/td>\n<td style=\"width: 18.9286%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\" width=\"118\">\n<p>572 \u20ac<\/p>\n<\/td>\n<td style=\"width: 24.2857%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\" width=\"151\">\n<p><strong>137 282,40 \u20ac<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 92px;\">\n<td style=\"width: 98.8096%; height: 92px; border-style: solid; border-color: #efefef;\" colspan=\"4\">\n<p>N\u00e1klady na nov\u00fd \u00faver s\u00fa 566 \u20ac (200 \u20ac poplatok za pred\u010dasn\u00e9 splatenie medzi\u00faveru, 66 \u20ac za kataster a 300 \u20ac za znaleck\u00fd posudok)<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 64px;\">\n<td style=\"width: 55.5953%; height: 128px; border-style: solid; border-color: #efefef;\" colspan=\"2\" rowspan=\"2\" width=\"344\">\n<p><span style=\"color: #ec8124;\"><strong>V\u010faka konsolid\u00e1cii \u00faverov u\u0161etr\u00ed<\/strong><\/span><\/p>\n<\/td>\n<td style=\"width: 18.9286%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\" width=\"118\">\n<p><span style=\"color: #ec8124;\"><strong>Mesa\u010dn\u00e1 \u00faspora<\/strong><\/span><\/p>\n<\/td>\n<td style=\"width: 24.2857%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\" width=\"151\">\n<p><span style=\"color: #ec8124;\"><strong>Celkov\u00e1 \u00faspora<\/strong><\/span><\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 64px;\">\n<td style=\"width: 18.9286%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\" width=\"118\">\n<p><span style=\"color: #ec8124;\">128,30 \u20ac<\/span><\/p>\n<\/td>\n<td style=\"width: 24.2857%; height: 64px; border-style: solid; border-color: #efefef; text-align: center;\" width=\"151\">\n<p><span style=\"color: #ec8124;\">21 537,88 \u20ac<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><strong><span style=\"color: #ec8124;\">Pora\u010fte sa s fundovan\u00fdm odborn\u00edkom<\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Ak si nie ste ist\u00ed, \u010di sa v\u00e1m oplat\u00ed refinancovanie va\u0161ej hypot\u00e9ky alebo in\u00fdch \u00faverov, ktor\u00e9 spl\u00e1cate, pora\u010fte sa s na\u0161imi fundovan\u00fdmi<\/span><b> finan\u010dn\u00fdmi sprostredkovate\u013emi z FinGO.sk<\/b><span style=\"font-weight: 400;\">. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Zavolajte n\u00e1m na\u00a0<a href=\"tel:0800601060\"><strong>0800 60 10 60<\/strong><\/a><\/span><span style=\"font-weight: 400;\">\u00a0alebo n\u00e1m <\/span><b>zanechajte va\u0161e \u00fadaje<\/b><span style=\"font-weight: 400;\"> vo formul\u00e1ri ni\u017e\u0161ie a my sa v\u00e1m ozveme.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><span style=\"color: #333333;\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/4057#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aktu\u00e1lne n\u00edzke \u00farokov\u00e9 sadzby na hypot\u00e9kach s\u00fa pre \u013eud\u00ed so star\u0161\u00edmi \u00favermi v s\u00fa\u010dasnosti ve\u013emi l\u00e1kav\u00e9. \u010casto sa p\u00fdtaj\u00fa, \u010di sa im oplat\u00ed refinancova\u0165 hypot\u00e9ku aj s \u00farokom 1,5 % \u010di dokonca 1 %. Tento krok si treba dobre prer\u00e1ta\u0165 a zoh\u013eadni\u0165 aj viacer\u00e9 poplatky, na ktor\u00e9 \u013eudia \u010dasto zab\u00fadaj\u00fa. \u010co v\u0161etko sa oplat\u00ed vedie\u0165? V \u010dl\u00e1nku sa do\u010d\u00edtate: Pri akom \u00faroku refinancova\u0165 hypot\u00e9ku 10 r\u00e1d, ako postupova\u0165 a \u010do budete potrebova\u0165 Refinancovan\u00edm m\u00f4\u017eete vyrie\u0161i\u0165 r\u00f4zne probl\u00e9my Ko\u013eko m\u00f4\u017eete u\u0161etri\u0165 zl\u00fa\u010den\u00edm viacer\u00fdch \u00faverov Pre\u010do sa poradi\u0165 s fundovan\u00fdmi odborn\u00edkmi z FinGO.sk Pri akom \u00faroku refinancova\u0165 hypot\u00e9ku Refinancovanie hypot\u00e9ky m\u00f4\u017ee by\u0165 ve\u013emi zauj\u00edmav\u00e9 aj pri malom rozdiele medzi p\u00f4vodnou a novou \u00farokovou sadzbou. \u0160tandardne je odpor\u00fa\u010dan\u00fd rozdiel okolo 0,5 % oproti p\u00f4vodnej \u00farokovej sadzbe, ale ak v\u00e1m nov\u00e1 banka preplat\u00ed poplatok za pred\u010dasn\u00e9 splatenie \u00faveru, \u00fasporu m\u00f4\u017eete dosiahnu\u0165 aj pri men\u0161om rozdiele. Samozrejme z\u00e1le\u017e\u00ed to aj od v\u00fd\u0161ky hypot\u00e9ky.\u00a0 Pr\u00edklad: Rozdiel 0,5 % m\u00f4\u017ee pri \u00favere 150 000 eur predstavova\u0165 viac ako 30 eur, av\u0161ak ak m\u00e1te zostatok \u00faveru 40 000 eur, \u00faspora v mesa\u010dnej spl\u00e1tke nemus\u00ed by\u0165 ani 10 eur. TIP: \u00darokov\u00e1 sadzba ale nie je to jedin\u00e9, \u010do rozhoduje o v\u00fdhodnosti refinancovania \u00faverov. Pre\u010do je to tak? Najd\u00f4le\u017eitej\u0161ie rady [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":4077,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,5],"tags":[41,40,158,42],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Refinancovanie hypot\u00e9ky: 10 r\u00e1d, ako na to - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Rekordne n\u00edzke \u00farokov\u00e9 sadzby na hypot\u00e9kach s\u00fa pre \u013eud\u00ed so star\u0161\u00edmi \u00favermi ve\u013emi l\u00e1kav\u00e9. \u010co v\u0161etko sa oplat\u00ed vedie\u0165 a ako za\u010da\u0165?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.sk\/blog\/refinancovanie-hypoteky-10-rad-kedy-sa-naozaj-oplati\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refinancovanie hypot\u00e9ky: 10 r\u00e1d, ako na to - 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