[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.artpap.cz\/jaky-je-rozdil-mezi-refinancovanim-a-konsolidaci-uveru\/#Article","mainEntityOfPage":"https:\/\/www.artpap.cz\/jaky-je-rozdil-mezi-refinancovanim-a-konsolidaci-uveru\/","headline":"Jak\u00fd je rozd\u00edl mezi refinancov\u00e1n\u00edm a konsolidac\u00ed \u00fav\u011bru","name":"Jak\u00fd je rozd\u00edl mezi refinancov\u00e1n\u00edm a konsolidac\u00ed \u00fav\u011bru","description":"Refinancov\u00e1n\u00ed znamen\u00e1 doslova p\u0159eveden\u00ed st\u00e1vaj\u00edc\u00edch \u00fav\u011br\u016f na vrub jin\u00e9mu v\u011b\u0159iteli, kter\u00fd zpravidla nab\u00edz\u00ed v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky. Bu\u010f jsou to ni\u017e\u0161\u00ed pravideln\u00e9 spl\u00e1tky, mo\u017enost poji\u0161t\u011bn\u00ed \u00fav\u011bru proti neschopnosti jej hradit, p\u0159\u00edpadn\u011b \u00farokov\u00e9 sazby. N\u011bkter\u00e9 spole\u010dnosti (bankovn\u00ed instituce i nebankovn\u00ed subjekty https:\/\/nebankovni-hypoteky-cz.cz\/nebankovni-sektor\/) mohou i nav\u00fd\u0161it v\u00fd\u0161i zap\u016fj\u010den\u00e9 \u010d\u00e1stky. V\u00fdhodn\u00e9 mohou b\u00fdt i sn\u00ed\u017een\u00e9 \u00farokov\u00e9 sazby. Konsolidac\u00ed rozum\u00edme sjednocen\u00ed […]","datePublished":"2018-04-25","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.artpap.cz\/author\/#Person","name":"","url":"https:\/\/www.artpap.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9bd672608a9ea50cfcb35956b7f63dacf48dece49eb907e6bdd72bedd9991f24?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9bd672608a9ea50cfcb35956b7f63dacf48dece49eb907e6bdd72bedd9991f24?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"artpap.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.artpap.cz\/wp-content\/uploads\/img_a316086_w2107_t1527062394.jpg","url":"https:\/\/www.artpap.cz\/wp-content\/uploads\/img_a316086_w2107_t1527062394.jpg","height":0,"width":0},"url":"https:\/\/www.artpap.cz\/jaky-je-rozdil-mezi-refinancovanim-a-konsolidaci-uveru\/","about":["Ekonomika"],"wordCount":405,"articleBody":"        Refinancov\u00e1n\u00ed znamen\u00e1 doslova p\u0159eveden\u00ed st\u00e1vaj\u00edc\u00edch \u00fav\u011br\u016f na vrub jin\u00e9mu v\u011b\u0159iteli, kter\u00fd zpravidla nab\u00edz\u00ed v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky. Bu\u010f jsou to ni\u017e\u0161\u00ed pravideln\u00e9 spl\u00e1tky, mo\u017enost poji\u0161t\u011bn\u00ed \u00fav\u011bru proti neschopnosti jej hradit, p\u0159\u00edpadn\u011b \u00farokov\u00e9 sazby. N\u011bkter\u00e9 spole\u010dnosti (bankovn\u00ed instituce i nebankovn\u00ed subjekty https:\/\/nebankovni-hypoteky-cz.cz\/nebankovni-sektor\/) mohou i nav\u00fd\u0161it v\u00fd\u0161i zap\u016fj\u010den\u00e9 \u010d\u00e1stky. V\u00fdhodn\u00e9 mohou b\u00fdt i sn\u00ed\u017een\u00e9 \u00farokov\u00e9 sazby. Konsolidac\u00ed rozum\u00edme sjednocen\u00ed v\u00edce typ\u016f p\u016fj\u010dek do jednoho produktu. Princip konsolidace je ten, \u017ee zvolen\u00fd finan\u010dn\u00ed subjekt za v\u00e1s uhrad\u00ed v\u0161echny va\u0161e pohled\u00e1vky v\u0161em v\u011b\u0159itel\u016fm (a m\u016f\u017ee jich b\u00fdt i v\u00edce ne\u017e deset) a n\u00e1sledn\u011b pak hrad\u00edte pravideln\u00e9 spl\u00e1tky pouze tomuto subjektu. Konsolidovat zle v podstat\u011b cokoliv, od kontokorentu, a\u017e po hypot\u00e9ky. V\u00fdhody procesu refinancov\u00e1n\u00ed \u00b7 P\u0159eveden\u00ed v\u00edce druh\u016f \u00fav\u011brov\u00fdch produkt\u016f v jeden jedin\u00fd. Slou\u010dit lze nap\u0159. leasing, \u00fav\u011br z kreditn\u00ed karty, spot\u0159ebitelsk\u00fd \u00fav\u011br, kontokorent, hypote\u010dn\u00ed \u00fav\u011br. \u00b7 P\u0159eveden\u00ed \u00fav\u011bru do jin\u00e9 spole\u010dnosti neobn\u00e1\u0161\u00ed stohy pap\u00edr\u016f a lejster a mo\u0159e \u010dasu b\u011bh\u00e1n\u00edm po pobo\u010dk\u00e1ch bank a nebankovn\u00edch instituc\u00ed. V\u011bt\u0161inou sta\u010d\u00ed v\u0161e vy\u0159\u00eddit online, p\u0159\u00edpadn\u011b telefonicky. Z\u00e1stupce spole\u010dnosti s v\u00e1mi projedn\u00e1 v\u0161e pot\u0159ebn\u00e9 u v\u00e1s doma, ov\u0161em v\u011bt\u0161inu dokumentace lze vy\u0159\u00eddit p\u0159es Internet. Finan\u010dn\u00ed subjekty si tak\u00e9 \u0159adu z\u00e1le\u017eitost\u00ed mohou zjistit samy. \u00b7 V\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky ohledn\u011b poplatk\u016f za veden\u00ed \u00fav\u011brov\u00fdch \u00fa\u010dt\u016f, za vy\u0159\u00edzen\u00ed \u017e\u00e1dosti, nebo za mo\u017enost p\u0159ed\u010dasn\u00e9ho splacen\u00ed dlu\u017en\u00e9 \u010d\u00e1stky. \u00b7 Mo\u017enost zm\u011bnit v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek podle pot\u0159eby v z\u00e1vislosti na v\u00fd\u0161i p\u0159\u00edjmu. V n\u00e1vaznosti na zm\u011bnu v\u00fd\u0161e spl\u00e1tek se ov\u0161em m\u011bn\u00ed i d\u00e9lka splatnosti (po\u010det spl\u00e1tek). N\u011bkter\u00e9 spole\u010dnosti umo\u017e\u0148uj\u00ed sn\u00ed\u017eit v\u00fd\u0161i spl\u00e1tek pouze tehdy, m\u00e1-li klient pozitivn\u00ed platebn\u00ed bilanci alespo\u0148 n\u011bkolik m\u011bs\u00edc\u016f po sob\u011b. \u00b7 Mo\u017enost vyu\u017e\u00edt poji\u0161t\u011bn\u00ed proti neschopnosti spl\u00e1cet. \u00b7 Nastaven\u00ed automatick\u00e9ho spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e v\u010detn\u011b upozorn\u011bn\u00ed na spl\u00e1tkov\u00fd term\u00edn.                                                                                                                                                                                                                                                                                                                                                                                          3.8\/5 - (16 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak\u00fd je rozd\u00edl mezi refinancov\u00e1n\u00edm a konsolidac\u00ed \u00fav\u011bru","item":"https:\/\/www.artpap.cz\/jaky-je-rozdil-mezi-refinancovanim-a-konsolidaci-uveru\/#breadcrumbitem"}]}]