[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.environ.sk\/kedy-sa-oplati-re-financovanie-uveru\/#Article","mainEntityOfPage":"https:\/\/www.environ.sk\/kedy-sa-oplati-re-financovanie-uveru\/","headline":"Kedy sa oplat\u00ed re-financovanie \u00faveru","name":"Kedy sa oplat\u00ed re-financovanie \u00faveru","description":"Spr\u00e1vna reklama je z\u00e1klad. A v pr\u00edpade prefinancovanie aj ke\u010f ho pr\u00e1ve nepotrebujete nieje o \u010dom. Finan\u010dn\u00fd trh sa vyv\u00edja a tak aj tu plat\u00ed \u017ee \u00farok ktor\u00fd bol n\u00edzky pred piatimi rokmi je dnes … ","datePublished":"2019-07-17","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.environ.sk\/author\/#Person","name":"","url":"https:\/\/www.environ.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8497d718f60c891079802e88ae93b6c100d284127a9ef9549781b221f13b4bab?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8497d718f60c891079802e88ae93b6c100d284127a9ef9549781b221f13b4bab?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"environ.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.environ.sk\/wp-content\/uploads\/img_a305177_w16825_t1566406294.jpg","url":"https:\/\/www.environ.sk\/wp-content\/uploads\/img_a305177_w16825_t1566406294.jpg","height":0,"width":0},"url":"https:\/\/www.environ.sk\/kedy-sa-oplati-re-financovanie-uveru\/","about":["Financie"],"wordCount":453,"articleBody":"Spr\u00e1vna reklama je z\u00e1klad. A v pr\u00edpade prefinancovanie aj ke\u010f ho pr\u00e1ve nepotrebujete nieje o \u010dom. Finan\u010dn\u00fd trh sa vyv\u00edja a tak aj tu plat\u00ed \u017ee \u00farok ktor\u00fd bol n\u00edzky pred piatimi rokmi je dnes absol\u00fatne nepr\u00edpustn\u00fd. Dalo by sa poveda\u0165 \u017ee ani veksl\u00e1k by v\u00e1m tak vysok\u00fd \u00farok nedal. Preto re-financ va\u0161ej p\u00f4\u017ei\u010dky m\u00e1 zmysel iba v nasledovn\u00fdch pr\u00edpadoch.\u00a0Nov\u00fd verzus star\u00fd \u00farok\u00a0Ni\u017e\u0161\u00ed \u00farok je ni\u017e\u0161\u00ed \u00farok. No ani to nemus\u00ed by\u0165 z\u00e1rukou \u017ee sa to oplat\u00ed. Ak predpokladan\u00fa \u00fasporu zhltn\u00fa poplatky za pred\u010dasn\u00e9 splatenie tak je ve\u013emi ot\u00e1zne ak\u00fd to m\u00e1 cel\u00e9 zmysel. Dokonca ani finan\u010dn\u00fd odborn\u00edci niesu jednotn\u00fd v ot\u00e1zke hranice u\u0161etrenej sumy pri ktorej sa to cel\u00e9 oplat\u00ed.Je to z d\u00f4vodu \u017ee tu do hry vstupuj\u00fa e\u0161te \u010fal\u0161ie finan\u010dn\u00e9 aj nefinan\u010dn\u00e9 faktory a je tak \u0165a\u017eko odhadn\u00fa\u0165 len na z\u00e1klade \u00faroku \u010di \u00e1no alebo nie.\u00a0\u00a0Znova a znova \u2013 poplatky\u00a0S poplatkom za pred\u010dasn\u00e9 splatenie sa r\u00e1ta\u0165 jednoducho mus\u00ed. Ak aj b\u00fdva uv\u00e1dzan\u00e9 \u017ee nieje. On u\u017e niekde je, len sa nenaz\u00fdva poplatok za pred\u010dasn\u00e9 splatenie. Tento poplatok sa neplat\u00ed v \u010dase v\u00fdro\u010dia fix\u00e1cie. V tom \u010dase v\u00e1m ho banka ne\u00fa\u010dtuje preto\u017ee nem\u00f4\u017ee, a ani potvrdenie o zostatku.\u00a0 Ak re-financujete mimo toto obdobie je poplatokmax vo v\u00fd\u0161ke 1% z pred\u010dasne splatenej sumy.Samostatnou kateg\u00f3riu s\u00fa potom poplatky za poskytnutie nov\u00e9ho \u00faveru, \u010di vklad do katastra alebo aj tak\u00fd znaleck\u00fd posudok. To u\u017e ale z\u00e1le\u017e\u00ed od toho \u010di re-financujete p\u00f4\u017ei\u010dku alebo hypot\u00e9ku.\u00a0\u00a0V\u00e1\u0161 finan\u010dn\u00fd pr\u00edjem\u00a0V\u00e1\u0161 aktu\u00e1lny pr\u00edjem sa pravdepodobne od doby kedy ste \u017eiadali p\u00f4vodn\u00fd \u00faver mohol zmeni\u0165 k lep\u0161iemu , no aj tak k hor\u0161iemu. Preto sa pripravte na to \u017ee budete musie\u0165 z dokladova\u0165 preh\u013ead va\u0161ich pr\u00edjmov za ur\u010dit\u00e9 obdobie znova.\u00a0Ako sa chcete zbavi\u0165 star\u00e9ho \u00faveru\u00a0Tu je treba da\u0165 pozor. Preto\u017ee ak sa rozhodnete prefinancova\u0165 \u00faver do ktor\u00e9ho splatenia v\u00e1m ostalo necel\u00fdch p\u00e4\u0165 rokov. A vymen\u00edte ho za nov\u00fd \u00faver na desa\u0165 rokov nemus\u00ed sa v\u00e1m to v kone\u010dnom d\u00f4sledku absol\u00fatne oplati\u0165. Nakoniec sa m\u00f4\u017ee sta\u0165 \u017ee to cel\u00e9 preplat\u00edte ove\u013ea viac ako ste p\u00f4vodne pl\u00e1novali. Na druhej strane \u017eivot n\u00e1m do cesty ob\u010das prinesie ne\u010dakan\u00e9 \u0165a\u017ekosti. Tak hoci nakoniec preplat\u00edte, je zna\u010dne ni\u017e\u0161ia mesa\u010dn\u00e1 spl\u00e1tka rozhodne t\u00e1 pomoc ktor\u00fa pr\u00e1ve potrebujete a stoj\u00ed to zato.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kedy sa oplat\u00ed re-financovanie \u00faveru","item":"https:\/\/www.environ.sk\/kedy-sa-oplati-re-financovanie-uveru\/#breadcrumbitem"}]}]