[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zambra.cz\/nova-pravidla-pro-poskytovani-hypotek\/#Article","mainEntityOfPage":"https:\/\/www.zambra.cz\/nova-pravidla-pro-poskytovani-hypotek\/","headline":"Nov\u00e1 pravidla pro poskytov\u00e1n\u00ed hypot\u00e9k","name":"Nov\u00e1 pravidla pro poskytov\u00e1n\u00ed hypot\u00e9k","description":"Budeme m\u00edt mo\u017enost dos\u00e1hnout na vlastn\u00ed bydlen\u00ed i v p\u0159\u00ed\u0161t\u00edmContinue readingNov\u00e1 pravidla pro poskytov\u00e1n\u00ed hypot\u00e9k<\/span><\/a><\/span>","datePublished":"2020-09-01","dateModified":"2023-06-08","author":{"@type":"Person","@id":"https:\/\/www.zambra.cz\/author\/#Person","name":"","url":"https:\/\/www.zambra.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d2f205e1507a0401c7d467d32c87ccece0f63a45b81075bb691dbe8d4c823787?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d2f205e1507a0401c7d467d32c87ccece0f63a45b81075bb691dbe8d4c823787?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zambra.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zambra.cz\/wp-content\/uploads\/img_a325864_w2164_t1538036165.png","url":"https:\/\/www.zambra.cz\/wp-content\/uploads\/img_a325864_w2164_t1538036165.png","height":0,"width":0},"url":"https:\/\/www.zambra.cz\/nova-pravidla-pro-poskytovani-hypotek\/","about":["Ekonomika"],"wordCount":472,"articleBody":"Budeme m\u00edt mo\u017enost dos\u00e1hnout na vlastn\u00ed bydlen\u00ed i v p\u0159\u00ed\u0161t\u00edm roce?Ji\u017e od 1.\u0159\u00edjna to nebude tak jednoduch\u00e9. Stejn\u011b jako se t\u00e9m\u011b\u0159 eliminovali hypot\u00e9ky na 100% ceny nemovitosti, budou n\u00e1sledovat dal\u0161\u00ed omezen\u00ed.  Banky ji\u017e del\u0161\u00ed dobu postupn\u011b zvy\u0161uj\u00ed \u00farokov\u00e9 sazby u hypote\u010dn\u00edch \u00fav\u011br\u016f. Jednaj\u00ed tak na z\u00e1klad\u011b pravidel, kter\u00e1 ur\u010duje \u010cesk\u00e1 n\u00e1rodn\u00ed banka. P\u0159ed n\u011bkolik lety \u010cNB sn\u00ed\u017eila \u00farokov\u00e9 sazby na minimum, ale zp\u0159\u00edsnila pravidla pro poskytov\u00e1n\u00ed hypot\u00e9k. Mohli jsme si tak dop\u0159\u00e1t bydlen\u00ed za pom\u011brn\u011b rozumnou cenu a dostupn\u00e9 i pro v\u011bt\u0161inou st\u0159edn\u00ed t\u0159\u00eddy.Banky poskytovaly hypote\u010dn\u00ed \u00fav\u011bry se sazbami okolo 1,5 %, ale ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f bylo t\u0159eba m\u00edt \u010d\u00e1st pen\u011bz na nemovitost z vlastn\u00edch zdroj\u016f. Hypot\u00e9ky na cel\u00fdch 100% ceny nemovitosti ji\u017e t\u00e9m\u011b\u0159 vymizeli. B\u011bhem posledn\u00edho roku a p\u016fl zv\u00fd\u0161ila \u010cNB z\u00e1kladn\u00ed \u00farokovou sazbu z technick\u00e9 nuly na 1,25%.T\u00edm se zv\u00fd\u0161ila \u00farokov\u00e1 sazba hypot\u00e9k a malinko se zmen\u0161il po\u010det uchaze\u010d\u016f o \u00fav\u011br, kte\u0159\u00ed neusp\u011bli. St\u00e1le v\u0161ak na vlastn\u00ed bydlen\u00ed dos\u00e1hlo velk\u00e9 mno\u017estv\u00ed \u017eadatel\u016f.Od 1.\u0159\u00edjna 2018 op\u011bt zvy\u0161uje \u010cNB z\u00e1kladn\u00ed \u00farokovou sazbu a z\u00e1rove\u0148 zp\u0159\u00eds\u0148uje podm\u00ednky pro poskytov\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f. \u017dadatel bude muset splnit dv\u011b nov\u00e9 podm\u00ednky. V\u00fd\u0161e celkov\u00e9ho dluhu nesm\u00ed p\u0159es\u00e1hnout desetin\u00e1sobek \u010dist\u00e9ho ro\u010dn\u00edho p\u0159\u00edjmu a m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka nesm\u00ed p\u0159esahovat 45% \u010dist\u00e9ho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu. P\u0159edpokl\u00e1d\u00e1 se, \u017ee oproti lo\u0148sk\u00e9mu roku nedos\u00e1hne na vlastn\u00ed bydlen\u00ed asi p\u011btina \u017eadatel\u016f. D\u016fvodem ke zm\u011bn\u00e1m je snaha \u010cNB o regulaci p\u0159eh\u0159\u00edvaj\u00edc\u00edho se trhu pr\u00e1ce a nemovitost\u00ed. T\u00edmto opat\u0159en\u00edm by se z\u00e1rove\u0148 m\u011bla pos\u00edlit koruna, kter\u00e1 je dlouhodob\u011b relativn\u011b slab\u00e1 a je tak ne\u017e\u00e1douc\u00edm proinfla\u010dn\u00edm \u010dinitelem.Na vlastn\u00ed bydlen\u00ed podle nov\u00fdch m\u011b\u0159\u00edtek nedos\u00e1hnou lid\u00e9 hlavn\u011b v Praze, Brn\u011b a velk\u00fdch m\u011bstech, kde jsou ceny nemovitost\u00ed vysoce nadhodnocen\u00e9. V ostatn\u00edch lokalit\u00e1ch by \u00fabytek \u00fasp\u011b\u0161n\u00fdch \u017eadatel\u016f o hypote\u010dn\u00ed \u00fav\u011br m\u011bl b\u00fdt minim\u00e1ln\u00ed. Na to, jak moc se zm\u011bny projev\u00ed v re\u00e1lu, nejsou odborn\u00edci schopni jednozna\u010dn\u011b odpov\u011bd\u011bt. Skute\u010dn\u00e9 d\u016fsledky se pr\u00fd projev\u00ed a\u017e po n\u011bkolika m\u011bs\u00edc\u00edch od zaveden\u00ed nov\u00fdch pravidel. Nejv\u00edce se samoz\u0159ejm\u011b bou\u0159\u00ed realitn\u00ed makl\u00e9\u0159i, kter\u00fdm to zkomplikuje prodej nemovitost\u00ed. Ceny nemovitost\u00ed budou pravd\u011bpodobn\u011b klesat a to se tak\u00e9 projev\u00ed na proviz\u00edch prodejc\u016f. 4.1\/5 - (12 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nov\u00e1 pravidla pro poskytov\u00e1n\u00ed hypot\u00e9k","item":"https:\/\/www.zambra.cz\/nova-pravidla-pro-poskytovani-hypotek\/#breadcrumbitem"}]}]