[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.mhks.cz\/hypotecni-trh-se-dramaticky-zmeni-jiz-v-pristim-roce\/#Article","mainEntityOfPage":"https:\/\/www.mhks.cz\/hypotecni-trh-se-dramaticky-zmeni-jiz-v-pristim-roce\/","headline":"Hypote\u010dn\u00ed trh se dramaticky zm\u011bn\u00ed ji\u017e v p\u0159\u00ed\u0161t\u00edm roce","name":"Hypote\u010dn\u00ed trh se dramaticky zm\u011bn\u00ed ji\u017e v p\u0159\u00ed\u0161t\u00edm roce","description":"Ze v\u0161ech m\u00e9di\u00ed bylo jasn\u00e9, \u017ee trh s hypot\u00e9kami razantn\u011b klesne ve sv\u00fdch objemech, hlavn\u011b d\u00edky zvy\u0161ov\u00e1n\u00ed \u00farokov\u00e9 sazby v n\u00e1vaznosti na z\u00e1sah \u010cNB. V\u0161ichni odborn\u00edci se ob\u00e1vali, \u017ee \u00faroky polet\u00ed rapidn\u011b vzh\u016fru. Na konci b\u0159ezna se v\u0161ak r\u016fst \u00farokov\u00fdch sazeb u hypot\u00e9k zastavil a v n\u011bkter\u00fdch bank\u00e1ch dokonce dle pr\u016fzkum\u016f m\u00edrn\u011b klesaly. I nyn\u00ed […]","datePublished":"2018-05-02","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.mhks.cz\/author\/#Person","name":"mhks.cz\n","url":"https:\/\/www.mhks.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/01173f1da90dde8adb887d6793fa4e42c4004e53f8d645d9b1cb57c2dee8e188?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/01173f1da90dde8adb887d6793fa4e42c4004e53f8d645d9b1cb57c2dee8e188?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"mhks.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.mhks.cz\/wp-content\/uploads\/img_a318570_w2239_t1529403282.jpg","url":"https:\/\/www.mhks.cz\/wp-content\/uploads\/img_a318570_w2239_t1529403282.jpg","height":0,"width":0},"url":"https:\/\/www.mhks.cz\/hypotecni-trh-se-dramaticky-zmeni-jiz-v-pristim-roce\/","about":["Finance"],"wordCount":479,"articleBody":"\tZe v\u0161ech m\u00e9di\u00ed bylo jasn\u00e9, \u017ee trh s hypot\u00e9kami razantn\u011b klesne ve sv\u00fdch objemech, hlavn\u011b d\u00edky zvy\u0161ov\u00e1n\u00ed \u00farokov\u00e9 sazby v n\u00e1vaznosti na z\u00e1sah \u010cNB. V\u0161ichni odborn\u00edci se ob\u00e1vali, \u017ee \u00faroky polet\u00ed rapidn\u011b vzh\u016fru. Na konci b\u0159ezna se v\u0161ak r\u016fst \u00farokov\u00fdch sazeb u hypot\u00e9k zastavil a v n\u011bkter\u00fdch bank\u00e1ch dokonce dle pr\u016fzkum\u016f m\u00edrn\u011b klesaly. I nyn\u00ed v \u010dervnu se je\u0161t\u011b daly po\u0159\u00eddit hypot\u00e9ky s \u00farokovou sazbu t\u011bsn\u011b pod 2 % p.a., pr\u016fm\u011brn\u00fd \u00farok u nov\u00fdch p\u016fj\u010dek tohoto typu pohyboval kolem 2,5 % p.a.M\u00e1 tato situace dopad na z\u00e1jem o nov\u00e9 \u00fav\u011bry?\tPodle odborn\u00edk\u016f je st\u00e1le velk\u00fd z\u00e1jem o nov\u00e9 \u00fav\u011bry, nebo\u0165 za posledn\u00ed rok se pr\u016fm\u011brn\u011b \u00farok zvedl o 0,5 %, tedy ceny jsou st\u00e1le n\u00edzk\u00e9 a nab\u00eddky st\u00e1le zaj\u00edmav\u00e9. Obecn\u011b lze v\u0161ak dle vyj\u00e1d\u0159en\u00ed odborn\u00edk\u016f z oblasti financ\u00ed\u00a0 \u0159\u00edci, \u017ee se p\u016fj\u010duj\u00ed mnohem ni\u017e\u0161\u00ed \u010d\u00e1stky ne\u017e v minulosti.\tTo je samoz\u0159ejm\u011b zp\u016fsobeno t\u00edm, \u017ee je omezeno vyd\u00e1v\u00e1n\u00ed stoprocentn\u00edch hypot\u00e9k a b\u011b\u017en\u011b se poskytuj\u00ed \u00fav\u011bry ve v\u00fd\u0161i 80% ve vztahu k hodnot\u011b nemovitosti. V\u00fdjime\u010dn\u011b to jsou i \u00fav\u011bry 90%, nicm\u00e9n\u011b u t\u011bch jsou velmi p\u0159\u00edsn\u00e9 podm\u00ednky a v\u00edce m\u00e9n\u011b se nesm\u00ed poskytovat. \u017dadatel tedy mus\u00ed m\u00edt minim\u00e1ln\u011b 20 % z kupn\u00ed ceny v hotovosti, plus n\u011bjak\u00e9 dal\u0161\u00ed finance, aby \u00fav\u011br z\u00edskal, tedy jeho hotovost by m\u011bla b\u00fdt 30 % z kupn\u00ed ceny.Dal\u0161\u00ed zp\u0159\u00edsn\u011bn\u00ed p\u0159i poskytov\u00e1n\u00ed \u00fav\u011br\u016f bude platit ji\u017e od \u0159\u00edjna 2018\tV p\u0159edchoz\u00edch omezen\u00edch vych\u00e1zej\u00edc\u00edch z \u010cNB se nejv\u00edce \u0159e\u0161il pom\u011br p\u016fj\u010dovan\u00fdch pen\u011bz ke kupn\u00ed cen\u011b nemovitosti. Nyn\u00ed se tato banka zam\u011b\u0159ila na to, \u017ee mus\u00ed b\u00fdt tak\u00e9 jist\u00fd pom\u011br dluhu a plateb \u017eadatele v\u016f\u010di p\u0159\u00edjm\u016fm. To znamen\u00e1, \u017ee sou\u010det v\u0161ech dluh\u016f a plateb dom\u00e1cnosti nesm\u00ed b\u00fdt vy\u0161\u0161\u00ed ne\u017e 45%. V moment\u011b, kdy se toto stane, se zapo\u010d\u00edt\u00e1n\u00edm p\u0159ipravovan\u00e9 spl\u00e1tky na sjedn\u00e1van\u00fd \u00fav\u011br, nebude moci banka tuto p\u016fj\u010dku poskytnout.M\u00e1te mnoho spl\u00e1tek m\u011bs\u00ed\u010dn\u011b?\tPokud m\u00e1te tedy i vy velk\u00e9 v\u00fddaje s r\u016fzn\u00fdmi spl\u00e1tkami, je rozumn\u00e9, je\u0161t\u011b p\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti, d\u00e1t tyto v\u011bci do po\u0159\u00e1dku. Ur\u010dit\u011b je na m\u00edst\u011b konsolidace a t\u00edm sn\u00ed\u017een\u00ed m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek r\u016fzn\u00fdch \u00fav\u011br\u016f na minimum tak, abyste se do limitu 45 % ve\u0161li. Pokud pot\u0159ebujete n\u011bjak\u00fd nov\u00fd \u00fav\u011br, v\u017edy toto zva\u017eujte.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypote\u010dn\u00ed trh se dramaticky zm\u011bn\u00ed ji\u017e v p\u0159\u00ed\u0161t\u00edm roce","item":"https:\/\/www.mhks.cz\/hypotecni-trh-se-dramaticky-zmeni-jiz-v-pristim-roce\/#breadcrumbitem"}]}]