[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/kkoopp.cz\/nizsi-poplatky-za-predcasne-splaceni-hypoteky-nejsou-v-nedohlednu\/#Article","mainEntityOfPage":"https:\/\/kkoopp.cz\/nizsi-poplatky-za-predcasne-splaceni-hypoteky-nejsou-v-nedohlednu\/","headline":"Ni\u017e\u0161\u00ed poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky nejsou v nedohlednu","name":"Ni\u017e\u0161\u00ed poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky nejsou v nedohlednu","description":"\u010cesk\u00e1 n\u00e1rodn\u00ed banka nyn\u00ed chyst\u00e1 zm\u011bny, kter\u00e9 zp\u0159\u00edsn\u00ed naopak pravidla poskytovatel\u016fm hypote\u010dn\u00edch bank ve v\u011bci poplatk\u016f za p\u0159ed\u010dasn\u00e9 spl\u00e1cen\u00ed \u00fav\u011br\u016f. Zm\u011bna by m\u011bla p\u0159\u00edmo na\u0159izovat,…","datePublished":"2026-03-01","dateModified":"2026-03-01","author":{"@type":"Person","@id":"https:\/\/kkoopp.cz\/author\/#Person","name":"","url":"https:\/\/kkoopp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kkoopp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/kkoopp.cz\/wp-content\/uploads\/img_a336961_w2702_t1550261565.jpg","url":"https:\/\/kkoopp.cz\/wp-content\/uploads\/img_a336961_w2702_t1550261565.jpg","height":0,"width":0},"url":"https:\/\/kkoopp.cz\/nizsi-poplatky-za-predcasne-splaceni-hypoteky-nejsou-v-nedohlednu\/","wordCount":463,"articleBody":"\u010cesk\u00e1 n\u00e1rodn\u00ed banka nyn\u00ed chyst\u00e1 zm\u011bny, kter\u00e9 zp\u0159\u00edsn\u00ed naopak pravidla poskytovatel\u016fm hypote\u010dn\u00edch bank ve v\u011bci poplatk\u016f za p\u0159ed\u010dasn\u00e9 spl\u00e1cen\u00ed \u00fav\u011br\u016f. Zm\u011bna by m\u011bla p\u0159\u00edmo na\u0159izovat, jak\u00e9 poplatky si m\u016f\u017ee banka \u00fa\u010dtovat, pokud spl\u00e1cej\u00edc\u00ed doplat\u00ed hypot\u00e9ku p\u0159ed\u010dasn\u011b a mimo tak zvan\u00e9 obdob\u00ed fixace. To znamen\u00e1, \u017ee by m\u011blo b\u00fdt mo\u017en\u00e9 splatit \u00fav\u011bry i v dob\u011b, kdy m\u00e1 pevn\u011b stanovenou \u00farokovou sazbu.Podle informac\u00ed dostupn\u00fdch v Hospod\u00e1\u0159sk\u00fdch novin\u00e1ch by v\u00fdsledn\u00fd efekt m\u011bl b\u00fdt velmi v\u00fdrazn\u00fd, proto\u017ee nyn\u00ed za takov\u00e9 transakce plat\u00ed klient a\u017e desetitis\u00edce korun, zat\u00edmco zva\u017eovan\u00e1 \u00faprava by m\u011bla tyto poplatky sn\u00ed\u017eit na \u0159\u00e1dy sto korun.Samoz\u0159ejm\u011b toto umo\u017en\u00ed snadn\u011bj\u0161\u00ed refinancov\u00e1n\u00ed hypot\u00e9k, proto\u017ee poplatky za p\u0159ed\u010dasn\u00e9 spl\u00e1cen\u00ed jsou pr\u00e1v\u011b i v tomto p\u0159\u00edpad\u011b \u00fa\u010dtov\u00e1ny. \u010casto se pak klienti dopo\u010d\u00edtaj\u00ed toho, \u017ee vlastn\u011b se jim zm\u011bna ani zase tolik nevyplat\u00ed a z\u016fst\u00e1vaj\u00ed d\u00e1l u sv\u00e9 st\u00e1vaj\u00edc\u00ed banky s v\u011bdom\u00edm, \u017ee sice plat\u00ed vy\u0161\u0161\u00ed \u00faroky, ale ve v\u00fdsledku by zaplacen\u00e1 \u010d\u00e1stka po p\u0159esunu do jin\u00e9 banky a zaplacen\u00ed poplatk\u016f za p\u0159ed\u010dasn\u00e9 spl\u00e1cen\u00ed byla tak\u0159ka stejn\u00e1.D\u00e1 se p\u0159edpokl\u00e1dat, \u017ee dopad t\u00e9to zm\u011bny bude v\u00fdrazn\u00fd, proto\u017ee v na\u0161\u00ed zemi b\u011b\u017e\u00ed 650 tis\u00edc p\u016fj\u010dek na bydlen\u00ed s celkov\u00fdm dluhem vy\u0161\u0161\u00edm ne\u017e 900 miliard korun \u010desk\u00fdch.Dal\u0161\u00ed zm\u011bnou v navrhovan\u00fdch zm\u011bn\u00e1ch je tak\u00e9 z\u00e1kaz \u00fa\u010dtov\u00e1n\u00ed u\u0161l\u00e9ho zisku, po\u0161tovn\u00e9 a kop\u00edrov\u00e1n\u00ed dokument\u016f.Proto\u017ee u\u017e v roce 2018 zas\u00e1hla nem\u00e1lo \u010cesk\u00e1 n\u00e1rodn\u00ed banka do hypote\u010dn\u00edho trhu, banky se samoz\u0159ejm\u011b i nyn\u00ed bou\u0159\u00ed a zm\u011bny, kter\u00e9 by m\u011bly p\u0159ij\u00edt v platnost ji\u017e v leto\u0161n\u00edm roce nev\u00edtaj\u00ed s otev\u0159enou n\u00e1ru\u010d\u00ed. Tyto kroky v\u0161ak jsou prov\u00e1d\u011bny na z\u00e1klad\u011b toho, \u017ee se o\u010dek\u00e1v\u00e1 celkov\u00e9 zhor\u0161en\u00ed ekonomick\u00e9 situace u n\u00e1s a p\u0159edpokl\u00e1d\u00e1 se, \u017ee \u010d\u00e1st populace bude m\u00edt probl\u00e9m se spl\u00e1cen\u00edm sv\u00fdch st\u00e1vaj\u00edc\u00edch z\u00e1vazk\u016f.U\u017e od \u0159\u00edjna 2018 je poskytov\u00e1n\u00ed \u00fav\u011br\u016f velmi p\u0159\u00edsn\u00e9 a ka\u017ed\u00fd \u017eadatel proch\u00e1z\u00ed pom\u011brn\u011b detailn\u00edm ov\u011b\u0159ov\u00e1n\u00edm, proto\u017ee ve\u0161ker\u00e9 dluhy \u017eadatele o hypot\u00e9ku na bydlen\u00ed nesm\u00ed b\u00fdt vy\u0161\u0161\u00ed ne\u017e 45 procent m\u011bs\u00ed\u010dn\u00edho \u010dist\u00e9ho v\u00fdd\u011blku. V\u00fd\u0161e celkov\u00fdch dluh\u016f nesm\u00ed d\u00e1le p\u0159es\u00e1hnout dev\u011bt ro\u010dn\u00edch \u010dist\u00fdch p\u0159\u00edjm\u016f.\u00a0                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ni\u017e\u0161\u00ed poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky nejsou v nedohlednu","item":"https:\/\/kkoopp.cz\/nizsi-poplatky-za-predcasne-splaceni-hypoteky-nejsou-v-nedohlednu\/#breadcrumbitem"}]}]