{"id":1434,"date":"2023-08-07T13:05:41","date_gmt":"2023-08-07T11:05:41","guid":{"rendered":"https:\/\/regbu.com\/?p=1434"},"modified":"2025-09-05T07:40:13","modified_gmt":"2025-09-05T05:40:13","slug":"refinancovani-vs-konsolidace-pujcek","status":"publish","type":"post","link":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/","title":{"rendered":"Refinancing vs. loan consolidation"},"content":{"rendered":"<p>Refinancing is a concept that is closely related to, for example\u00a0<strong><a href=\"https:\/\/regbu.com\/en\/american-hypotheque-from-classic-lissa\/\">American mortgage<\/a><\/strong>, conventional mortgages, consumer loans and other types of loans. A competitor to this financial product is loan consolidation. Both have one important objective.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reduction of monthly instalments<\/li>\n\n\n\n<li>Lower interest<\/li>\n\n\n\n<li>Minimising costs<\/li>\n<\/ul>\n\n\n\n<p>However, it is essential to know what are <em>differences between the two variants<\/em>. Each of them has not only a different meaning. They also come with certain pros and cons. We will convince you of this in the following lines.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is loan refinancing?<\/h2>\n\n\n\n<p>When you say <strong>loan refinancing<\/strong>...you can imagine only one thing. In layman's terms, the old loan is replaced by a new one. It will come with better credit terms. That is, it has a lower interest rate or offers something extra. You will therefore make this move with the prospect of saving money. At the same time, it can become a solution when you are not able to repay the unfavourable debts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Loan consolidation and additional information<\/h3>\n\n\n\n<p>Consolidation is essentially based on refinancing. Behind this term, however, lies <strong>merger or, if you prefer, unification<\/strong>. Multiple loans are combined at the same time. These are in effect replaced by a single one. You will learn about the advantages of both solutions through the lines below.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1691492587714\"><strong class=\"schema-faq-question\">What products can be consolidated?<\/strong> <p class=\"schema-faq-answer\">These can be non-bank loans, consumer loans, overdrafts and credit cards.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492594135\"><strong class=\"schema-faq-question\">Can I reduce my monthly payment by refinancing?<\/strong> <p class=\"schema-faq-answer\">Yes, first and foremost it will be due to the better interest rate. Then the extension of the loan maturity may also contribute.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492600712\"><strong class=\"schema-faq-question\">Is consolidation always worth it?<\/strong> <p class=\"schema-faq-answer\">It doesn't have to be that way. For example, if old loans come with high prepayment penalty fees, they are not worth it.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492609378\"><strong class=\"schema-faq-question\">Can I get extra money with these products?<\/strong> <p class=\"schema-faq-answer\">Yes, with both consolidation and refinancing, you can get extra financing. You just need to be a creditworthy enough client. This means that you prove your creditworthiness to the new lender.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492618453\"><strong class=\"schema-faq-question\">What provider offers consolidation and refinancing?<\/strong> <p class=\"schema-faq-answer\">These loan products are currently offered not only by banking institutions. You can also take advantage of the product offers of non-banking companies licensed by the CNB.<\/p> <\/div> <\/div>","protected":false},"excerpt":{"rendered":"<p>Refinancing is a concept that is closely related to, for example, American mortgages, conventional mortgages, consumer loans and other types of loans. A competitor to this financial product is loan consolidation. They both have one important goal. However, it is essential to know the differences between the two options. Each of them not only has a different meaning. They are related ... <\/p>","protected":false},"author":2,"featured_media":1435,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[1758,1191,650,618,1756,1757,1760,1759,627,628],"class_list":["post-1434","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-konsolidace-pujcek","tag-nahrazeni","tag-pujcka","tag-pujcky","tag-refinancovani","tag-refinancovani-pujcky","tag-sjednoceni","tag-slouceni","tag-uver","tag-uvery"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek - REGBU.COM<\/title>\n<meta name=\"description\" content=\"V\u00edte, co si p\u0159edstavit pod pojmem refinancov\u00e1n\u00ed? A tu\u0161\u00edte v\u016fbec, jak se li\u0161\u00ed od konsolidace p\u016fj\u010dek? 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V\u0161e V\u00e1m prozrad\u00edme.","og_url":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/","og_site_name":"REGBU.COM","article_published_time":"2023-08-07T11:05:41+00:00","article_modified_time":"2025-09-05T05:40:13+00:00","og_image":[{"width":1200,"height":675,"url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","type":"image\/jpeg"}],"author":"George Martin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"George Martin","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#article","isPartOf":{"@id":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/"},"author":{"name":"George Martin","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"headline":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek","datePublished":"2023-08-07T11:05:41+00:00","dateModified":"2025-09-05T05:40:13+00:00","mainEntityOfPage":{"@id":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/"},"wordCount":473,"image":{"@id":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","keywords":["konsolidace p\u016fj\u010dek","nahrazen\u00ed","p\u016fj\u010dka","p\u016fj\u010dky","refinancov\u00e1n\u00ed","refinancov\u00e1n\u00ed p\u016fj\u010dky","sjednocen\u00ed","slou\u010den\u00ed","\u00fav\u011br","\u00fav\u011bry"],"articleSection":["Finance"],"inLanguage":"en-US"},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/","url":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/","name":"Refinancing vs. loan consolidation - REGBU.COM","isPartOf":{"@id":"https:\/\/regbu.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#primaryimage"},"image":{"@id":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","datePublished":"2023-08-07T11:05:41+00:00","dateModified":"2025-09-05T05:40:13+00:00","author":{"@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"description":"Do you know what you mean by refinancing? And do you have any idea how it differs from loan consolidation? We will tell you everything.","breadcrumb":{"@id":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#faq-question-1691492587714"},{"@id":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#faq-question-1691492594135"},{"@id":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#faq-question-1691492600712"},{"@id":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#faq-question-1691492609378"},{"@id":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#faq-question-1691492618453"}],"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#primaryimage","url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","contentUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","width":1200,"height":675,"caption":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek"},{"@type":"BreadcrumbList","@id":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/regbu.com\/en\/"},{"@type":"ListItem","position":2,"name":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek"}]},{"@type":"WebSite","@id":"https:\/\/regbu.com\/en\/#website","url":"https:\/\/regbu.com\/en\/","name":"REGBU.COM","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/regbu.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e","name":"George Martin","url":"https:\/\/regbu.com\/en\/author\/george-martin\/"},{"@type":"Question","@id":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#faq-question-1691492587714","position":1,"url":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#faq-question-1691492587714","name":"What products can be consolidated?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Mohou to b\u00fdt nebankovn\u00ed p\u016fj\u010dky, spot\u0159ebitelsk\u00e9 \u00fav\u011bry, kontokorenty a kreditn\u00ed karty.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#faq-question-1691492594135","position":2,"url":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#faq-question-1691492594135","name":"Can I reduce my monthly payment by refinancing?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, v prvn\u00ed \u0159ad\u011b to bude d\u00edky v\u00fdhodn\u011bj\u0161\u00edmu \u00faroku. Pak k tomu m\u016f\u017ee p\u0159isp\u011bt i prodlou\u017een\u00ed splatnosti p\u016fj\u010dky.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#faq-question-1691492600712","position":3,"url":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#faq-question-1691492600712","name":"Is consolidation always worth it?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Nemus\u00ed tomu tak b\u00fdt. Pokud se nap\u0159\u00edklad star\u00e9 \u00fav\u011bry poj\u00ed s vysok\u00fdmi sank\u010dn\u00edmi poplatky za p\u0159ed\u010dasn\u00e9 uhrazen\u00ed, nevyplat\u00ed se.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#faq-question-1691492609378","position":4,"url":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#faq-question-1691492609378","name":"Can I get extra money with these products?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, jak s pomoc\u00ed konsolidace, tak refinancov\u00e1n\u00edm lze z\u00edskat finance nav\u00edc. Mus\u00edte b\u00fdt pouze dostate\u010dn\u011b bonitn\u00edm klientem. To znamen\u00e1, \u017ee nov\u00e9mu poskytovateli \u00fav\u011bru prok\u00e1\u017eete svoji \u00fav\u011bruschopnost.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#faq-question-1691492618453","position":5,"url":"https:\/\/regbu.com\/en\/refinancing-vs-consolidation-loans\/#faq-question-1691492618453","name":"What provider offers consolidation and refinancing?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Tyto \u00fav\u011brov\u00e9 produkty v sou\u010dasn\u00e9 dob\u011b nab\u00edz\u00ed nejenom bankovn\u00ed instituce. Vyu\u017e\u00edt m\u016f\u017eete tak\u00e9 produktov\u00fdch nab\u00eddek nebankovn\u00edch spole\u010dnost\u00ed s licenc\u00ed od \u010cNB.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/posts\/1434","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/comments?post=1434"}],"version-history":[{"count":2,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/posts\/1434\/revisions"}],"predecessor-version":[{"id":1446,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/posts\/1434\/revisions\/1446"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/media\/1435"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/media?parent=1434"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/categories?post=1434"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/tags?post=1434"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}