{"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\/pl\/refinansowanie-i-konsolidacja-kredytow\/","title":{"rendered":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Refinancov\u00e1n\u00ed je pojmem, kter\u00fd \u00fazce souvis\u00ed t\u0159eba s\u00a0<strong><a href=\"https:\/\/regbu.com\/pl\/american-hypotheque-from-classic-lissa\/\">americkou hypot\u00e9kou<\/a><\/strong>, klasickou hypot\u00e9kou, spot\u0159ebitelsk\u00fdmi \u00fav\u011bry a jin\u00fdmi typy p\u016fj\u010dek. Konkurentem tohoto finan\u010dn\u00edho produktu je konsolidace p\u016fj\u010dek. Oba dva maj\u00ed za \u00fakol jeden d\u016fle\u017eit\u00fd c\u00edl.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sn\u00ed\u017een\u00ed m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek<\/li>\n\n\n\n<li>Ni\u017e\u0161\u00ed \u00farok<\/li>\n\n\n\n<li>Minimalizace n\u00e1klad\u016f<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Podstatn\u00e9 je v\u0161ak v\u011bd\u011bt, jak\u00e9 jsou <em>rozd\u00edly mezi ob\u011bma variantami<\/em>. Ka\u017ed\u00e1 z&nbsp;nich m\u00e1 nejenom jin\u00fd v\u00fdznam. Poj\u00ed se tak\u00e9 s&nbsp;jist\u00fdmi klady a z\u00e1pory. O tom V\u00e1s p\u0159esv\u011bd\u010d\u00edme v&nbsp;n\u00e1sleduj\u00edc\u00edch \u0159\u00e1dc\u00edch.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co je to refinancov\u00e1n\u00ed p\u016fj\u010dky?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kdy\u017e se \u0159ekne <strong>refinancov\u00e1n\u00ed \u00fav\u011bru<\/strong>, m\u016f\u017eete si p\u0159edstavit jedin\u00e9. Laicky \u0159e\u010deno doch\u00e1z\u00ed k&nbsp;nahrazen\u00ed star\u00e9ho \u00fav\u011bru nov\u00fdm. Ten bude spojen s&nbsp;lep\u0161\u00edmi \u00fav\u011brov\u00fdmi podm\u00ednkami. Tzn., \u017ee m\u00e1 ni\u017e\u0161\u00ed \u00farokovou sazbu, pop\u0159\u00edpad\u011b nab\u00edz\u00ed n\u011bco nav\u00edc. Tento krok tedy zrealizujete s&nbsp;vidinou \u00faspory finan\u010dn\u00edch prost\u0159edk\u016f. Z\u00e1rove\u0148 se m\u016f\u017ee st\u00e1t \u0159e\u0161en\u00edm v&nbsp;okam\u017eiku, kdy nesta\u010d\u00edte na spl\u00e1cen\u00ed nev\u00fdhodn\u00fdch dluh\u016f.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Konsolidace p\u016fj\u010dek a dopl\u0148uj\u00edc\u00ed informace<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Konsolidace ve sv\u00e9 podstat vych\u00e1z\u00ed z&nbsp;refinancov\u00e1n\u00ed. Za t\u00edmto v\u00fdrazem se ov\u0161em ukr\u00fdv\u00e1 <strong>slou\u010den\u00ed nebo chcete-li sjednocen\u00ed<\/strong>. Doch\u00e1z\u00ed ke spojen\u00ed v\u00edce \u00fav\u011br\u016f najednou. Ty jsou ve v\u00fdsledku nahrazeny jedn\u00edm jedin\u00fdm. O v\u00fdhod\u00e1ch obou \u0159e\u0161en\u00ed se dozv\u00edte prost\u0159ednictv\u00edm n\u00ed\u017ee uveden\u00fdch \u0159\u00e1dk\u016f.<\/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\">Jak\u00e9 produkty lze konsolidovat?<\/strong> <p class=\"schema-faq-answer\">Mohou to b\u00fdt nebankovn\u00ed p\u016fj\u010dky, spot\u0159ebitelsk\u00e9 \u00fav\u011bry, kontokorenty a kreditn\u00ed karty.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492594135\"><strong class=\"schema-faq-question\">Lze refinancov\u00e1n\u00edm sn\u00ed\u017eit m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku?<\/strong> <p class=\"schema-faq-answer\">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.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492600712\"><strong class=\"schema-faq-question\">Vyplat\u00ed se v\u017edy konsolidace?<\/strong> <p class=\"schema-faq-answer\">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.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492609378\"><strong class=\"schema-faq-question\">Mohu d\u00edky t\u011bmto produkt\u016fm z\u00edskat pen\u00edze nav\u00edc?<\/strong> <p class=\"schema-faq-answer\">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.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492618453\"><strong class=\"schema-faq-question\">Jak\u00fd poskytovatel m\u00e1 v nab\u00eddce konsolidaci a refinancov\u00e1n\u00ed?<\/strong> <p class=\"schema-faq-answer\">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.<\/p> <\/div> <\/div>","protected":false},"excerpt":{"rendered":"<p>Refinancov\u00e1n\u00ed je pojmem, kter\u00fd \u00fazce souvis\u00ed t\u0159eba s\u00a0americkou hypot\u00e9kou, klasickou hypot\u00e9kou, spot\u0159ebitelsk\u00fdmi \u00fav\u011bry a jin\u00fdmi typy p\u016fj\u010dek. Konkurentem tohoto finan\u010dn\u00edho produktu je konsolidace p\u016fj\u010dek. Oba dva maj\u00ed za \u00fakol jeden d\u016fle\u017eit\u00fd c\u00edl. Podstatn\u00e9 je v\u0161ak v\u011bd\u011bt, jak\u00e9 jsou rozd\u00edly mezi ob\u011bma variantami. Ka\u017ed\u00e1 z&nbsp;nich m\u00e1 nejenom jin\u00fd v\u00fdznam. Poj\u00ed se &hellip; <\/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 v28.2 - 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? V\u0161e V\u00e1m prozrad\u00edme.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek - REGBU.COM\" \/>\n<meta property=\"og: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? V\u0161e V\u00e1m prozrad\u00edme.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/\" \/>\n<meta property=\"og:site_name\" content=\"REGBU.COM\" \/>\n<meta property=\"article:published_time\" content=\"2023-08-07T11:05:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-05T05:40:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"George Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napisane przez\" \/>\n\t<meta name=\"twitter:data1\" content=\"George Martin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Szacowany czas czytania\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/\"},\"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\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/\"},\"wordCount\":473,\"image\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#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\":\"pl-PL\"},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/\",\"url\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/\",\"name\":\"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek - REGBU.COM\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#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\":\"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? V\u0161e V\u00e1m prozrad\u00edme.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#faq-question-1691492587714\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#faq-question-1691492594135\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#faq-question-1691492600712\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#faq-question-1691492609378\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#faq-question-1691492618453\"}],\"inLanguage\":\"pl-PL\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"pl-PL\",\"@id\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#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\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#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\":\"pl-PL\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#\\\/schema\\\/person\\\/94ea9deda2629771b8a9ced002f6784e\",\"name\":\"George Martin\",\"url\":\"https:\\\/\\\/regbu.com\\\/pl\\\/author\\\/george-martin\\\/\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#faq-question-1691492587714\",\"position\":1,\"url\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#faq-question-1691492587714\",\"name\":\"Jak\u00e9 produkty lze konsolidovat?\",\"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\":\"pl-PL\"},\"inLanguage\":\"pl-PL\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#faq-question-1691492594135\",\"position\":2,\"url\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#faq-question-1691492594135\",\"name\":\"Lze refinancov\u00e1n\u00edm sn\u00ed\u017eit m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku?\",\"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\":\"pl-PL\"},\"inLanguage\":\"pl-PL\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#faq-question-1691492600712\",\"position\":3,\"url\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#faq-question-1691492600712\",\"name\":\"Vyplat\u00ed se v\u017edy konsolidace?\",\"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\":\"pl-PL\"},\"inLanguage\":\"pl-PL\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#faq-question-1691492609378\",\"position\":4,\"url\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#faq-question-1691492609378\",\"name\":\"Mohu d\u00edky t\u011bmto produkt\u016fm z\u00edskat pen\u00edze nav\u00edc?\",\"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\":\"pl-PL\"},\"inLanguage\":\"pl-PL\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#faq-question-1691492618453\",\"position\":5,\"url\":\"https:\\\/\\\/regbu.com\\\/pl\\\/refinansowanie-i-konsolidacja-kredytow\\\/#faq-question-1691492618453\",\"name\":\"Jak\u00fd poskytovatel m\u00e1 v nab\u00eddce konsolidaci a refinancov\u00e1n\u00ed?\",\"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\":\"pl-PL\"},\"inLanguage\":\"pl-PL\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek - REGBU.COM","description":"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? V\u0161e V\u00e1m prozrad\u00edme.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/","og_locale":"pl_PL","og_type":"article","og_title":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek - REGBU.COM","og_description":"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? V\u0161e V\u00e1m prozrad\u00edme.","og_url":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/","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":{"Napisane przez":"George Martin","Szacowany czas czytania":"2 minuty"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#article","isPartOf":{"@id":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/"},"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\/pl\/refinansowanie-i-konsolidacja-kredytow\/"},"wordCount":473,"image":{"@id":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#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":"pl-PL"},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/","url":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/","name":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek - REGBU.COM","isPartOf":{"@id":"https:\/\/regbu.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#primaryimage"},"image":{"@id":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#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":"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? V\u0161e V\u00e1m prozrad\u00edme.","breadcrumb":{"@id":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#faq-question-1691492587714"},{"@id":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#faq-question-1691492594135"},{"@id":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#faq-question-1691492600712"},{"@id":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#faq-question-1691492609378"},{"@id":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#faq-question-1691492618453"}],"inLanguage":"pl-PL","potentialAction":[{"@type":"ReadAction","target":["https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/"]}]},{"@type":"ImageObject","inLanguage":"pl-PL","@id":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#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\/pl\/refinansowanie-i-konsolidacja-kredytow\/#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":"pl-PL"},{"@type":"Person","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e","name":"George Martin","url":"https:\/\/regbu.com\/pl\/author\/george-martin\/"},{"@type":"Question","@id":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#faq-question-1691492587714","position":1,"url":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#faq-question-1691492587714","name":"Jak\u00e9 produkty lze konsolidovat?","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":"pl-PL"},"inLanguage":"pl-PL"},{"@type":"Question","@id":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#faq-question-1691492594135","position":2,"url":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#faq-question-1691492594135","name":"Lze refinancov\u00e1n\u00edm sn\u00ed\u017eit m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku?","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":"pl-PL"},"inLanguage":"pl-PL"},{"@type":"Question","@id":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#faq-question-1691492600712","position":3,"url":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#faq-question-1691492600712","name":"Vyplat\u00ed se v\u017edy konsolidace?","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":"pl-PL"},"inLanguage":"pl-PL"},{"@type":"Question","@id":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#faq-question-1691492609378","position":4,"url":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#faq-question-1691492609378","name":"Mohu d\u00edky t\u011bmto produkt\u016fm z\u00edskat pen\u00edze nav\u00edc?","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":"pl-PL"},"inLanguage":"pl-PL"},{"@type":"Question","@id":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#faq-question-1691492618453","position":5,"url":"https:\/\/regbu.com\/pl\/refinansowanie-i-konsolidacja-kredytow\/#faq-question-1691492618453","name":"Jak\u00fd poskytovatel m\u00e1 v nab\u00eddce konsolidaci a refinancov\u00e1n\u00ed?","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":"pl-PL"},"inLanguage":"pl-PL"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/posts\/1434","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/comments?post=1434"}],"version-history":[{"count":2,"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/posts\/1434\/revisions"}],"predecessor-version":[{"id":1446,"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/posts\/1434\/revisions\/1446"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/media\/1435"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/media?parent=1434"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/categories?post=1434"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/tags?post=1434"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}