[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.nacevi.cz\/fixace\/#Article","mainEntityOfPage":"https:\/\/www.nacevi.cz\/fixace\/","headline":"Fixace","name":"Fixace","description":"Pojmem fixace se nej\u010dast\u011bji mysl\u00ed fixace \u00farokov\u00e9 sazby. Jedn\u00e1 se o \u010dasov\u00e9 obdob\u00ed kdy je \u00farokov\u00e1 sazba u dan\u00e9ho \u00fav\u011bru nem\u011bnn\u00e1. Je spojena hlavn\u011b s \u00fav\u011bry hypote\u010dn\u00edmi, kter\u00e9 jsou na dlouho dobu b\u011bhem n\u00ed\u017e se trh m\u011bn\u00ed a sazby vyv\u00edj\u00ed. Fixn\u00ed \u00farokov\u00e1 sazba V\u00e1m zaru\u010d\u00ed, \u017ee v\u011b\u0159itel, V\u00e1m v p\u0159\u00edpad\u011b zvy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb podm\u00ednky \u00fav\u011bru […]","datePublished":"2021-10-13","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.nacevi.cz\/author\/#Person","name":"","url":"https:\/\/www.nacevi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/91b1fc57487c55a66a7777af0dd690bf69c571b4a9b15cda0db8854a78b7888c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/91b1fc57487c55a66a7777af0dd690bf69c571b4a9b15cda0db8854a78b7888c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"nacevi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.nacevi.cz\/wp-content\/uploads\/build-a-house-gdf62ea6f5_640_1.jpg","url":"https:\/\/www.nacevi.cz\/wp-content\/uploads\/build-a-house-gdf62ea6f5_640_1.jpg","height":0,"width":0},"url":"https:\/\/www.nacevi.cz\/fixace\/","about":["Finance"],"wordCount":461,"articleBody":"        Pojmem fixace se nej\u010dast\u011bji mysl\u00ed fixace \u00farokov\u00e9 sazby. Jedn\u00e1 se o \u010dasov\u00e9 obdob\u00ed kdy je \u00farokov\u00e1 sazba u dan\u00e9ho \u00fav\u011bru nem\u011bnn\u00e1. Je spojena hlavn\u011b s \u00fav\u011bry hypote\u010dn\u00edmi, kter\u00e9 jsou na dlouho dobu b\u011bhem n\u00ed\u017e se trh m\u011bn\u00ed a sazby vyv\u00edj\u00ed. Fixn\u00ed \u00farokov\u00e1 sazba V\u00e1m zaru\u010d\u00ed, \u017ee v\u011b\u0159itel, V\u00e1m v p\u0159\u00edpad\u011b zvy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb podm\u00ednky \u00fav\u011bru n\u00e1hle nezm\u011bn\u00ed. U takto velk\u00fdch \u010d\u00e1stek, m\u016f\u017ee i desetina procenta znamenat velk\u00fd rozd\u00edl ve spl\u00e1tk\u00e1ch.Zm\u011bna \u00farokov\u00e9 sazby je samoz\u0159ejm\u011b mo\u017en\u00e1, ale a\u017e po uplynut\u00ed fixa\u010dn\u00ed doby, kterou jste si s v\u011b\u0159itelem domluvili p\u0159i podpisu smlouvy. Je tedy dobr\u00e9 v\u011bd\u011bt kdy V\u00e1m fixace kon\u010d\u00ed, aby jste se vz\u00e1jemn\u011b dohodli na dal\u0161\u00edch podm\u00ednk\u00e1ch, p\u0159\u00edpadn\u011b m\u016f\u017eete p\u0159ej\u00edt jinam. D\u00e9lku fixace lze zvolit krat\u0161\u00ed (1,2,3,4 nebo 5 let) \u010di del\u0161\u00ed (8.10,15 nebo 20 let). Z\u00e1le\u017e\u00ed v jak\u00e9 pozici se pr\u00e1v\u011b nach\u00e1z\u00ed trh a jak\u00e9 jsou nab\u00edzeny \u00farokov\u00e9 sazby. Pokud si sjedn\u00e1v\u00e1te \u00fav\u011br a sazby jsou moment\u00e1ln\u011b vysok\u00e9 je lep\u0161\u00ed zvolit fixaci krat\u0161\u00ed, pro p\u0159\u00edpadn\u00e9 budouc\u00ed sn\u00ed\u017een\u00ed. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b se vyplat\u00ed zvolit i v\u00e1zac\u00ed lh\u016ftu na 10 let. Podle toho jak dlouhou zvol\u00edte fixaci, ale tak\u00e9 m\u016f\u017ee \u00farokov\u00e1 sazba odv\u00edjet. \u010c\u00edm del\u0161\u00ed fixace t\u00edm h\u016f\u0159e se bance odhaduje jak se bude trh vyv\u00edjet a zapo\u010d\u00edt\u00e1 mo\u017enou ztr\u00e1tu do \u00farokov\u00e9 sazby klienta. Nejlep\u0161\u00ed je pokud V\u00e1m v\u011b\u0159itel vymodeluje v\u0161echny varianty, aby jste vid\u011bli jak\u00e9 jsou mo\u017enosti (nap\u0159\u00edklad v dotazn\u00edku americkahypoteka.cz).B\u011bhem t\u00e9to doby si tak\u00e9 nem\u016f\u017eete \u00fav\u011br p\u0159ev\u00e9st jinam. Refinancov\u00e1n\u00ed hypot\u00e9ky je zcela b\u011b\u017en\u00e9. Ur\u010dit\u011b je dobr\u00e9 si poznamenat kdy V\u00e1m fixace kon\u010d\u00ed, a dostate\u010dn\u011b v p\u0159edstihu si za\u010d\u00edt zji\u0161\u0165ovat mo\u017enosti. Zda V\u00e1m sou\u010dasn\u00fd v\u011b\u0159itel nab\u00eddne dob\u0159e podm\u00ednky nebo je \u010das se porozhl\u00e9dnout jinde. Hl\u00eddat si tento term\u00edn je opravdu d\u016fle\u017eit\u00e9, jeliko\u017e nevyu\u017eit\u00ed mo\u017enosti refinancov\u00e1n\u00ed V\u00e1s m\u016f\u017ee vyj\u00edt na n\u011bkolik tis\u00edc m\u011bs\u00ed\u010dn\u011b.V dob\u011b fixace Americkahypoteka se v\u0161ak nejedn\u00e1 jen o \u00farokovou sazbu, ale tak\u00e9 o mo\u017enost celkov\u00e9ho splacen\u00ed nebo mimo\u0159\u00e1dn\u00e9 spl\u00e1tky. Pokud v\u00edte, \u017ee za p\u00e1r let p\u0159ijdete nap\u0159\u00edklad k d\u011bdictv\u00ed, nebo jste schopni si d\u00e1vat je\u0161t\u011b n\u011bco stranou na mimo\u0159\u00e1dnou spl\u00e1tku, ur\u010dit\u011b pro V\u00e1s dlouh\u00e1 fixace nen\u00ed spr\u00e1vn\u00e1 volba.                                                                                                                                                                                                                                                                                                                                                                                          4.6\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Fixace","item":"https:\/\/www.nacevi.cz\/fixace\/#breadcrumbitem"}]}]