{"id":811,"date":"2023-01-31T09:06:44","date_gmt":"2023-01-31T09:06:44","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=811"},"modified":"2023-01-31T09:06:44","modified_gmt":"2023-01-31T09:06:44","slug":"air-bank-spousti-hlidace-sazby","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=811","title":{"rendered":"Air Bank spou\u0161t\u00ed hl\u00edda\u010de sazby"},"content":{"rendered":"<p><strong>Air Bank ve st\u0159edu 1. \u00fanora 2023 spou\u0161t\u00ed p\u016flro\u010dn\u00ed ak\u010dn\u00ed nab\u00eddku pro sjedn\u00e1n\u00ed takzvan\u00e9ho hl\u00edda\u010de sazby p\u0159i p\u0159evodu hypot\u00e9ky z jin\u00e9 banky. Klienti d\u00edky n\u011bmu nemusej\u00ed sledovat v\u00fdvoj \u00farokov\u00fdch sazeb a \u010dekat na vhodnou chv\u00edli pro refinancov\u00e1n\u00ed hypot\u00e9ky. Banka jim maxim\u00e1ln\u00ed v\u00fd\u0161i \u00farokov\u00e9 sazby a\u017e na n\u00e1sleduj\u00edc\u00edch dvan\u00e1ct m\u011bs\u00edc\u016f zastropuje na sjednan\u00e9 \u00farovni. P\u0159ed za\u010d\u00e1tkem \u010derp\u00e1n\u00ed hypot\u00e9ky ji nav\u00edc porovn\u00e1 s aktu\u00e1ln\u011b nab\u00edzenou sazbou, a pokud bude tato sazba ni\u017e\u0161\u00ed, klient ji automaticky z\u00edsk\u00e1. Slu\u017eba je zdarma a je tak\u00e9 unik\u00e1tn\u00ed t\u00edm, \u017ee klienta k ni\u010demu nezavazuje. Pokud hypot\u00e9ku do roka nena\u010derp\u00e1, Air Bank ho na rozd\u00edl od standardn\u00edho postupu na trhu nijak nepenalizuje.<\/strong><\/p>\n<p><!--more--><\/p>\n<p><em>\u201eNejistota ohledn\u011b v\u00fdvoje \u00farokov\u00fdch sazeb je nyn\u00ed mezi klienty bank nap\u0159\u00ed\u010d cel\u00fdm trhem siln\u00e9 t\u00e9ma. \u010c\u00edm v\u00edce se p\u0159ibli\u017euje konec fixace, t\u00edm v\u00edce obvykle nar\u016fstaj\u00ed obavy a nejistota, jestli u\u017e p\u0159i\u0161el spr\u00e1vn\u00fd \u010das zafixovat si novou sazbu, anebo jestli je\u0161t\u011b vy\u010dk\u00e1vat. Na\u0161im klient\u016fm proto chceme pomoci s p\u0159eveden\u00edm hypot\u00e9ky z jin\u00e9 banky bez t\u011bchto starost\u00ed. D\u00edky hl\u00edda\u010di sazby maj\u00ed jistotu, \u017ee z\u00edskaj\u00ed bu\u010f v\u00fdhodnou, anebo je\u0161t\u011b v\u00fdhodn\u011bj\u0161\u00ed sazbu. B\u011bhem a\u017e ro\u010dn\u00edho obdob\u00ed mezi podpisem hypote\u010dn\u00ed smlouvy a za\u010d\u00e1tkem \u010derp\u00e1n\u00ed hypot\u00e9ky jim toti\u017e \u00farokovou sazbu leda sn\u00ed\u017e\u00edme,\u201c <\/em>vysv\u011btluje \u0159\u00edk\u00e1 <strong>Marek Richter<\/strong>, vedouc\u00ed hypote\u010dn\u00edch slu\u017eeb Air Bank.<\/p>\n<p>Hl\u00edda\u010d sazby od Air Bank p\u0159ich\u00e1z\u00ed ke slovu ve chv\u00edli, kdy se klient rozhodne svou nov\u011b p\u0159evedenou hypot\u00e9ku za\u010d\u00edt \u010derpat. Pr\u00e1v\u011b v tomto okam\u017eiku toti\u017e porovn\u00e1 \u00farokovou sazbu sjednanou v hypote\u010dn\u00ed smlouv\u011b s tou, kterou banka pro p\u0159evod hypot\u00e9ky se stejn\u00fdmi parametry aktu\u00e1ln\u011b nab\u00edz\u00ed. Jestli\u017ee nab\u00edzen\u00e1 sazba mezit\u00edm stoupla, klient vyu\u017eije svou ni\u017e\u0161\u00ed sjednanou sazbu. Pokud ale nab\u00edzen\u00e1 sazba naopak klesla, klient s hl\u00edda\u010dem sazby z\u00edsk\u00e1 tento v\u00fdhodn\u011bj\u0161\u00ed \u00farok automaticky.<\/p>\n<p>Air Bank nyn\u00ed umo\u017e\u0148uje sjednat si hl\u00edda\u010d sazby spolu s hypote\u010dn\u00ed smlouvou pro p\u0159eveden\u00ed hypot\u00e9ky z jin\u00e9 banky do 31. \u010dervence 2023. Od podpisu smlouvy potom maj\u00ed klienti jeden rok, b\u011bhem kter\u00e9ho mohou kdykoliv za\u010d\u00edt hypot\u00e9ku \u010derpat a z\u00e1rove\u0148 vyu\u017e\u00edt hl\u00edda\u010d sazby. Ak\u010dn\u00ed nab\u00eddku mohou vyu\u017e\u00edt st\u00e1vaj\u00edc\u00ed i nov\u00ed klienti Air Bank, a to bezplatn\u011b a zcela bez z\u00e1vazk\u016f. Za sjednan\u00fd hl\u00edda\u010d sazby nic neplat\u00ed ani v p\u0159\u00edpad\u011b, kdy se rozhodnou svou hypot\u00e9ku do Air Bank nep\u0159ev\u00e1d\u011bt.<\/p>\n<p><strong>Jak hl\u00edda\u010d sazby funguje:<\/strong><\/p>\n<ul>\n<li>Ve smlouv\u011b o hypot\u00e9ce se klient s Air Bank domluv\u00ed na <strong>aktu\u00e1ln\u011b nab\u00edzen\u00e9 \u00farokov\u00e9 sazb\u011b<\/strong>, kterou mu banka bude dr\u017eet <strong>a\u017e 12 m\u011bs\u00edc\u016f<\/strong>. Tuto dobu pak m\u00e1 klient na zah\u00e1jen\u00ed \u010derp\u00e1n\u00ed hypot\u00e9ky.<\/li>\n<li><strong>V den, kdy<\/strong> <strong>klient za\u010dne \u010derpat<\/strong> hypot\u00e9ku, se Air Bank pod\u00edv\u00e1, jakou \u00farokovou sazbu by klient z\u00edskal, kdyby si hypot\u00e9ku sjedn\u00e1val v tento den.<\/li>\n<li>Pokud bude <strong>\u00farokov\u00e1 sazba ni\u017e\u0161\u00ed<\/strong> ne\u017e ta p\u016fvodn\u011b sjednan\u00e1, Air Bank ji <strong>klientovi automaticky sn\u00ed\u017e\u00ed<\/strong>.<\/li>\n<li>Pokud se ale <strong>\u00farokov\u00e9 sazby<\/strong> od podpisu hypote\u010dn\u00ed smlouvy <strong>zv\u00fd\u0161\u00ed<\/strong>, klienta se to <strong>nijak nedotkne<\/strong> a\u00a0z\u016fst\u00e1v\u00e1 mu sazba, kterou si s Air Bank sjednal ve smlouv\u011b.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-812\" src=\"http:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/01\/Air-Bank_hlidac-sazby-300x218.jpg\" alt=\"\" width=\"300\" height=\"218\" srcset=\"https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/01\/Air-Bank_hlidac-sazby-300x218.jpg 300w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/01\/Air-Bank_hlidac-sazby-768x558.jpg 768w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/01\/Air-Bank_hlidac-sazby.jpg 960w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Air Bank ve st\u0159edu 1. \u00fanora 2023 spou\u0161t\u00ed p\u016flro\u010dn\u00ed ak\u010dn\u00ed nab\u00eddku pro sjedn\u00e1n\u00ed takzvan\u00e9ho hl\u00edda\u010de sazby p\u0159i p\u0159evodu hypot\u00e9ky z jin\u00e9 banky. Klienti d\u00edky n\u011bmu <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=811\" title=\"Air Bank spou\u0161t\u00ed hl\u00edda\u010de sazby\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":813,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-811","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banky"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/811","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=811"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/811\/revisions"}],"predecessor-version":[{"id":814,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/811\/revisions\/814"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/813"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=811"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=811"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=811"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}