[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ok5.cz\/hypoteka-vyvoj-sazby-a-zajem-o-ni\/#Article","mainEntityOfPage":"https:\/\/www.ok5.cz\/hypoteka-vyvoj-sazby-a-zajem-o-ni\/","headline":"Hypot\u00e9ka \u2013 v\u00fdvoj sazby a z\u00e1jem o ni","name":"Hypot\u00e9ka \u2013 v\u00fdvoj sazby a z\u00e1jem o ni","description":"V posledn\u00edm roce se d\u00e1 pozorovat sni\u017eov\u00e1n\u00ed \u00farokov\u00e9 sazby hypote\u010dn\u00edch \u00fav\u011br\u016f. Tato sn\u00ed\u017een\u00e1 sazba m\u00e1 nal\u00e1kat z\u00e1jemce, ale opak je pravdou. V meziro\u010dn\u00edm sjedn\u00e1n\u00ed se propad zvy\u0161uje ji\u017e na v\u00edce ne\u017e 25 miliard korun. Pro\u010d tomu tak je? Pokles \u00farokov\u00e9 sazby je mo\u017en\u00e9 pozorovat ji\u017e od za\u010d\u00e1tku roku, kdy ale za\u010d\u00ednala na 3 %, co\u017e je za […]","datePublished":"2019-11-03","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.ok5.cz\/author\/#Person","name":"","url":"https:\/\/www.ok5.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a414941ff2b86a79f1a70a433f21d60df00047fefe742a46b6fded139881a475?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a414941ff2b86a79f1a70a433f21d60df00047fefe742a46b6fded139881a475?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ok5.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ok5.cz\/wp-content\/uploads\/img_a361128_w3724_t1574538743.jpg","url":"https:\/\/www.ok5.cz\/wp-content\/uploads\/img_a361128_w3724_t1574538743.jpg","height":0,"width":0},"url":"https:\/\/www.ok5.cz\/hypoteka-vyvoj-sazby-a-zajem-o-ni\/","about":["Finance"],"wordCount":460,"articleBody":"V posledn\u00edm roce se d\u00e1 pozorovat sni\u017eov\u00e1n\u00ed \u00farokov\u00e9 sazby hypote\u010dn\u00edch \u00fav\u011br\u016f. Tato sn\u00ed\u017een\u00e1 sazba m\u00e1 nal\u00e1kat z\u00e1jemce, ale opak je pravdou. V meziro\u010dn\u00edm sjedn\u00e1n\u00ed se propad zvy\u0161uje ji\u017e na v\u00edce ne\u017e 25 miliard korun. Pro\u010d tomu tak je?Pokles \u00farokov\u00e9 sazby je mo\u017en\u00e9 pozorovat ji\u017e od za\u010d\u00e1tku roku, kdy ale za\u010d\u00ednala na 3 %, co\u017e je za dlouhou dobu hodnota nejvy\u0161\u0161\u00ed. Ji\u017e v \u00fanoru do\u0161lo ke sn\u00ed\u017een\u00ed, a\u010dkoli jen o 0,01 %. S n\u00e1sleduj\u00edc\u00edmi m\u011bs\u00edci tento klesaj\u00edc\u00ed trend ale st\u00e1le pokra\u010doval, a\u017e se v srpnu dostal na hodnotu 2,61 %. Za t\u00edmto poklesem stoj\u00ed uvoln\u011bn\u00ed m\u011bnov\u00e9 politiky ve sv\u011bt\u011b, co\u017e samoz\u0159ejm\u011b m\u011blo stejn\u00fd efekt i na \u010cesko.P\u0159esto\u017ee banky hypot\u00e9ky neust\u00e1le zlev\u0148uj\u00ed, nedo\u010dkaly se p\u0159\u00edlivu z\u00e1jemc\u016f. Sp\u00ed\u0161e naopak, v souhrnu banky hl\u00e1s\u00ed pokles o t\u00e9m\u011b\u0159 500 lid\u00ed za \u010dervenec, za srpen je to pak u\u017e skoro o 2500 \u00fav\u011br\u016f m\u00e9n\u011b. Nez\u00e1jem pak banky vede k tomu, aby se p\u0159edh\u00e1n\u011bly v tom, kdo nab\u00eddne men\u0161\u00ed \u00farokovou sazbu.D\u016fvod\u016f tohoto nez\u00e1jmu je hned n\u011bkolik. Jedn\u00edm z nich jsou vysok\u00e9 ceny nemovitost\u00ed a to obzvl\u00e1\u0161t\u011b ve v\u011bt\u0161\u00edch m\u011bstech. Dal\u0161\u00edm jsou regulace \u010cesk\u00e9 n\u00e1rodn\u00ed banky zp\u0159\u00eds\u0148uj\u00edc\u00ed podm\u00ednky poskytnut\u00ed hypot\u00e9k. Sem pat\u0159\u00ed takov\u00e1 doporu\u010den\u00ed jako, \u017ee maxim\u00e1ln\u00ed hodnota p\u016fj\u010dky m\u016f\u017ee b\u00fdt 90 % z hodnoty nemovitosti, jej\u00ed v\u00fd\u0161e pak nesm\u00ed p\u0159ekro\u010dit 9 \u010dist\u00fdch ro\u010dn\u00edch p\u0159\u00edjm\u016f dom\u00e1cnosti, celkov\u00fd sou\u010det spl\u00e1tek m\u016f\u017ee tvo\u0159it maxim\u00e1ln\u011b 45 % z \u010dist\u00e9ho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu \u017eadatele.Dal\u0161\u00edm d\u016fvodem mohou b\u00fdt obavy \u017eadatel\u016f o takto dlouhodob\u00fd z\u00e1vazek. Nikdo toti\u017e nevid\u00ed do budoucnosti a b\u011bhem 20 nebo 30 let, na kter\u00e9 se \u00fav\u011br nej\u010dast\u011bji sjedn\u00e1v\u00e1, se m\u016f\u017ee st\u00e1t skute\u010dn\u011b cokoliv, co m\u016f\u017ee v\u00e9st k platebn\u00ed neschopnosti. I na to ji\u017e ale banky maj\u00ed pro sv\u00e9 klienty \u0159e\u0161en\u00ed. Je j\u00edm poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet hypot\u00e9ku, kter\u00e9 na jednu stranu sni\u017euj\u00ed celkovou v\u00fd\u0161i \u00faroku, na stranu druhou ne v\u017edy je kryta kompletn\u00ed v\u00fd\u0161e \u00fav\u011bru a doch\u00e1z\u00ed ke zdra\u017eov\u00e1n\u00ed m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek. Tato poji\u0161t\u011bn\u00ed pak nenab\u00edz\u00ed v\u0161echny situace, kter\u00e9 mohou zp\u016fsobit v\u00fdpadek p\u0159\u00edjmu, proto je t\u0159eba se s konkr\u00e9tn\u00edmi nab\u00eddkami sezn\u00e1mit u jednotliv\u00fdch bank.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka \u2013 v\u00fdvoj sazby a z\u00e1jem o ni","item":"https:\/\/www.ok5.cz\/hypoteka-vyvoj-sazby-a-zajem-o-ni\/#breadcrumbitem"}]}]