{"id":272,"date":"2016-01-10T11:03:17","date_gmt":"2016-01-10T10:03:17","guid":{"rendered":"http:\/\/www.evajarosova.cz\/?page_id=272"},"modified":"2025-05-18T20:53:29","modified_gmt":"2025-05-18T19:53:29","slug":"novinky","status":"publish","type":"page","link":"https:\/\/www.evajarosova.cz\/index.php\/novinky\/","title":{"rendered":"NOVINKY"},"content":{"rendered":"<h4><span style=\"color: #ff0000;\"><strong><div class=\"wpra-display align\" data-display-id=\"0\" hx-target=\"this\" hx-swap=\"outerHTML\">    <div class=\"wp-rss-aggregator wpra-list-template \">\n        <ul class=\"rss-aggregator wpra-item-list wpra-item-list--bullets wpra-item-list--default\" start=\"1\">\n            <p>No feed items found.<\/p>\n        <\/ul>\n    <\/div> <\/div><\/strong><\/span><\/h4>\n<h4><span style=\"color: #ff0000;\"><strong>\u0160est stra\u0161\u00e1k\u016f, kter\u00e9 \u010dlov\u011bka odrazuj\u00ed od investov\u00e1n\u00ed<\/strong><\/span><\/h4>\n<p>20.9. 2024<\/p>\n<p>D\u016fvod\u016f, pro\u010d by \u010dlov\u011bk nem\u011bl sv\u00e9 nadbyte\u010dn\u00e9 prost\u0159edky investovat, je mnoho a\u00a0p\u0159ich\u00e1zej\u00ed s\u00a0nimi ve velk\u00e9 m\u00ed\u0159e pr\u00e1v\u011b ti, kte\u0159\u00ed to nikdy nezkusili. \u010casto se p\u0159itom odvol\u00e1vaj\u00ed na v\u0161eobecn\u00e9 pov\u011bdom\u00ed: \u201eP\u0159ece v\u0161ichni v\u011bd\u00ed, \u017ee to nejde.\u201c, p\u0159\u00edpadn\u011b znaj\u00ed n\u011bkoho, kdo to zkusil, a\u00a0nevyplatilo se mu to. P\u0159ed lety ale tak\u00e9 v\u0161ichni v\u011bd\u011bli, \u017ee je Zem\u011b st\u0159edem vesm\u00edru a\u00a0Slunce kolem n\u00ed pokorn\u011b ob\u00edh\u00e1. Jen n\u011bkolik odv\u00e1\u017en\u00fdch \u0159\u00edkalo, \u017ee je tomu naopak, a\u00a0ti se \u0161eredn\u011b sp\u00e1lili. A\u00a0to doslova. Jak\u00e9 jsou hlavn\u00ed d\u016fvody, \u017ee se boj\u00edme vlo\u017eit sv\u00e9 prost\u0159edky na sv\u011btov\u00e9 burzy?<\/p>\n<p>Je to rizikov\u00e9!<\/p>\n<p>V dob\u011b, kdy lid\u00e9 plat\u00ed velk\u00e9 pen\u00edze za adrenalinov\u00e9 z\u00e1\u017eitky a\u00a0vrhaj\u00ed se zcela dobrovoln\u011b po\u00a0hlav\u011b z\u00a0vysok\u00fdch most\u016f, spol\u00e9haj\u00edce pouze na tenk\u00e9 lano, je toto pom\u011brn\u011b zaj\u00edmav\u00e1 v\u00fdmluva. Dobrou zpr\u00e1vou je, \u017ee investov\u00e1n\u00ed je jenom tak rizikov\u00e9, jak si ho sami nastav\u00edte. N\u00e1stroje, do nich\u017e lze p\u0159ebyte\u010dn\u00e9 pen\u00edze vlo\u017eit, jsou rozmanit\u00e9 a\u00a0tak\u00e9 r\u016fzn\u011b rizikov\u00e9. Je tud\u00ed\u017e dobr\u00e9 vyznat se s\u00e1m sob\u011b a\u00a0v\u011bd\u011bt, co je\u0161t\u011b snesu a\u00a0co je ji\u017e p\u0159es \u010d\u00e1ru a\u00a0nebudu se p\u0159i\u00a0tom c\u00edtit komfortn\u011b. Z\u00e1rove\u0148 je \u017e\u00e1douc\u00ed si uv\u011bdomit, \u017ee n\u00edzk\u00e9 riziko s\u00a0sebou nese zpravidla ni\u017e\u0161\u00ed zhodnocen\u00ed a\u00a0naopak. Svoji investi\u010dn\u00ed strategii m\u016f\u017eete p\u0159izp\u016fsobit sami sob\u011b a\u00a0volit mezi konzervativn\u00edm, vyv\u00e1\u017een\u00fdm nebo dynamick\u00fdm p\u0159\u00edstupem.<\/p>\n<p>V\u0161ude p\u00ed\u0161\u00ed, \u017ee se bl\u00ed\u017e\u00ed propad. Te\u010f se investovat rozhodn\u011b nevyplat\u00ed!<\/p>\n<p>Dovedete si p\u0159edstavit hor\u0161\u00ed dobu na dlouhodobou investici, ne\u017e byl rok 1997? T\u0159i roky p\u0159ed splasknut\u00edm internetov\u00e9 bubliny a\u00a0deset let p\u0159ed vypuknut\u00edm sv\u011btov\u00e9 finan\u010dn\u00ed krize. Ten, kdo v\u00a0t\u00e9to dob\u011b investoval, si asi zad\u011blal na po\u0159\u00e1dn\u00fd probl\u00e9m, \u017ee?<\/p>\n<p>Ne nutn\u011b. Jak ukazuje graf v\u00fdvoje takov\u00e9 jednor\u00e1zov\u00e9 investice, na konci va\u0161eho dvacetilet\u00e9ho horizontu kon\u010d\u00edte i\u00a0p\u0159es dv\u011b velice t\u011b\u017ek\u00e1 obdob\u00ed s\u00a0t\u00e9m\u011b\u0159 dvojn\u00e1sobnou \u010d\u00e1stkou. To zase nen\u00ed tak \u0161patn\u00e9, jak jste si mo\u017en\u00e1 na za\u010d\u00e1tku mysleli. A\u00a0pokud jste sp\u00ed\u0161e konzervativn\u00ed \u010di\u00a0vyv\u00e1\u017een\u00ed investo\u0159i, pak pro v\u00e1s ani ta dv\u011b krizov\u00e1 obdob\u00ed nebyla p\u0159\u00edli\u0161 bolestiv\u00e1.<\/p>\n<p>Akcie jsou te\u010f drah\u00e9 a\u00a0dluhopisy jakbysmet! V\u0161ude to \u0159\u00edkaj\u00ed.<\/p>\n<p>Ano, mnoh\u00e9 akciov\u00e9 indexy jsou te\u010f skute\u010dn\u011b drah\u00e9 a\u00a0slibuj\u00ed v\u00a0budouc\u00edch p\u011bti a\u017e deseti letech ni\u017e\u0161\u00ed ne\u017e pr\u016fm\u011brn\u00e9 v\u00fdnosy. O\u00a0tom nebudu polemizovat. Nicm\u00e9n\u011b i\u00a0v\u00a0t\u00e9to situaci nad\u00e1le slibuj\u00ed v\u00fdnosy, kter\u00e9 zdaleka p\u0159evy\u0161uj\u00ed jin\u00e9 mo\u017enosti ulo\u017een\u00ed nadbyte\u010dn\u00fdch pen\u011bz. A\u00a0nav\u00edc, n\u011bkter\u00e9 akciov\u00e9 indexy jsou i\u00a0dnes pom\u011brn\u011b levn\u00e9. Dobr\u00fd investi\u010dn\u00ed poradce (ne\u0159\u00edk\u00e1m, \u017ee ka\u017ed\u00fd poradce je dobr\u00fd poradce) je dok\u00e1\u017ee naj\u00edt a\u00a0doporu\u010dit.<\/p>\n<p>Nebudu investovat do firem, kter\u00e9 nezn\u00e1m<\/p>\n<p>Ne, to opravdu nemus\u00edte. Sta\u010d\u00ed se pod\u00edvat na dom\u00e1c\u00ed \u010desk\u00e9 akcie. Firmy jako \u010cEZ a\u00a0Komer\u010dn\u00ed banka zn\u00e1 ka\u017ed\u00fd. \u010cesk\u00fd akciov\u00fd trh se t\u011b\u0161\u00ed ok\u00e1zal\u00e9mu nez\u00e1jmu investor\u016f. Desetiprocentn\u00ed zhodnocen\u00ed je na p\u011btilet\u00e9m horizontu oproti zbytku sv\u011bta skute\u010dn\u011b neviditeln\u00e9. Ty dv\u011b procenta ro\u010dn\u011b jsou ale i\u00a0tak v\u00edc, ne\u017e lidem p\u0159inesly pen\u00edze ulo\u017een\u00e9 na pevn\u011b \u00faro\u010den\u00fdch vkladech. Nez\u00e1jem o\u00a0n\u00e1\u0161 mal\u00fd trh m\u00e1 tak\u00e9 za d\u016fsledek, \u017ee v\u00edce jak \u0161estiprocentn\u00ed dividendov\u00fd v\u00fdnos, kter\u00fd investo\u0159i od firem obchodovan\u00fdch v\u00a0Praze z\u00edsk\u00e1vaj\u00ed, je aktu\u00e1ln\u011b bezkonkuren\u010dn\u00ed. Vad\u00ed v\u00e1m bankovn\u00ed poplatky? Dividendy vypl\u00e1cen\u00e9 bankami v\u00e1m je vr\u00e1t\u00ed zp\u011bt. Brbl\u00e1te nad cenami elekt\u0159iny? Dividenda vypl\u00e1cen\u00e1 spole\u010dnost\u00ed \u010cEZ je dostate\u010dn\u011b vysok\u00e1, aby v\u00e1m p\u0159inejmen\u0161\u00edm \u010d\u00e1st n\u00e1klad\u016f za energie vr\u00e1tila.<\/p>\n<p>Nem\u00e1m na to. Nejsem investi\u010dn\u00ed g\u00e9nius.<\/p>\n<p>Pokud se \u010dlov\u011bk s\u00e1m ve sv\u011bt\u011b investic nec\u00edt\u00ed doma, je\u0161t\u011b to neznamen\u00e1, \u017ee by byl odsouzen k\u00a0ne\u010dinnosti a\u00a0nemohl se na r\u016fstu cen akci\u00ed, dluhopis\u016f a\u00a0komodit pod\u00edlet. Sv\u011bt je pln\u00fd nab\u00eddek investi\u010dn\u00edch spole\u010dnost\u00ed nab\u00edzej\u00edc\u00edch spr\u00e1vu pen\u011bz v\u00a0r\u00e1mci r\u016fzn\u00fdch a\u00a0cenov\u011b dob\u0159e dostupn\u00fdch fond\u016f spravovan\u00fdch investi\u010dn\u00edmi profesion\u00e1ly. Tyto nab\u00eddky jsou zcela jist\u011b mnohem solidn\u011bj\u0161\u00ed ne\u017e ty, kter\u00e9 sl\u00fdch\u00e1me v\u00a0televizn\u00edch reklam\u00e1ch ze stran firem poskytuj\u00edc\u00edch p\u016fj\u010dky.<\/p>\n<p>Kdy\u017e je to tak jednoduch\u00e9, pro\u010d to ned\u011bl\u00e1 ka\u017ed\u00fd?<\/p>\n<p>To se neptejte m\u011b. J\u00e1 se pohybuji na burz\u00e1ch s\u00a0vlastn\u00edmi i\u00a0sv\u011b\u0159en\u00fdmi pen\u011bzi v\u00edce jak patn\u00e1ct let a\u00a0nelituji toho. Ot\u00e1zka pat\u0159\u00ed \u201et\u011bm druh\u00fdm\u201c.<\/p>\n<p>Sv\u011bt investic zcela jist\u011b nen\u00ed bezrizikov\u00e9 perpetuum mobile tvo\u0159\u00edc\u00ed z\u00a0investor\u016f milion\u00e1\u0159e jako na b\u011b\u017e\u00edc\u00edm p\u00e1su. Rizika se ov\u0161em daj\u00ed rozumn\u011b regulovat a\u00a0je-li \u0159e\u010d o\u00a0zhodnocov\u00e1n\u00ed pen\u011bz, nemaj\u00ed investice \u017e\u00e1dnou alternativu.<\/p>\n<h4><span style=\"color: #ff0000;\">Da\u0148 z p\u0159evodu nemovitosti bude platit kupuj\u00edc\u00ed<\/span><\/h4>\n<p>3.9. 2016<\/p>\n<p>Zm\u011bny v placen\u00ed dan\u011b z p\u0159evodu nemovitosti byly ji\u017e p\u0159ed ned\u00e1vnem schv\u00e1leny poslanci \u00a0 a sen\u00e1tory, nyn\u00ed novelu podepsal i prezident.<\/p>\n<p>Hlavn\u00ed zm\u011bna nastane v tom, \u017ee\u00a0da\u0148 z v\u011bc\u00ed nemovit\u00fdch bude nov\u011b platit kupuj\u00edc\u00ed. Tato da\u0148 d\u011bl\u00e1 \u010dty\u0159i procenta p\u0159ev\u00e1d\u011bn\u00e9 nemovitosti. D\u00e1le je zru\u0161en institut ru\u010ditele. P\u0159i star\u00fdch pravidlech kupuj\u00edc\u00ed ru\u010dil za zaplacen\u00ed dan\u011b prodejcem. V p\u0159\u00edpad\u011b, \u017ee prod\u00e1vaj\u00edc\u00ed tuto povinnost nesplnil, musel pen\u00edze zaplatit kupuj\u00edc\u00ed.<\/p>\n<p>Novela m\u011bla p\u016fvodn\u011b platit u\u017e od 1. dubna tohoto roku. To ale nedopadlo. Nejm\u00e9n\u011b do podzimu bude v\u0161e p\u0159i star\u00e9m. Novela toti\u017e za\u010dne platit\u00a0t\u0159i m\u011bs\u00edce pot\u00e9, co vyjde ve Sb\u00edrce z\u00e1kon\u016f. A to je n\u011bkolik dn\u00ed pot\u00e9, co ji podep\u00ed\u0161e prezident.<\/p>\n<h5><span style=\"color: #000000;\"><strong><a style=\"color: #000000;\" href=\"http:\/\/finexpert.e15.cz\/jak-se-zmeni-danove-povinnosti-pri-prodeji-nemovitosti\">Jak se zm\u011bn\u00ed da\u0148ov\u00e9 povinnosti p\u0159i prodeji nemovitosti?<\/a><\/strong><\/span><\/h5>\n<p><strong>\u00a0<\/strong>P\u0159i prodeji bytu, domu \u010di pozemku se odv\u00e1d\u00ed da\u0148 z nabyt\u00ed nemovit\u00fdch v\u011bc\u00ed. Jestli\u017ee v\u0161ak legislativn\u00edm procesem \u00fasp\u011b\u0161n\u011b projde novela, dojde ke zm\u011bn\u011b poplatn\u00edka.<\/p>\n<h5><strong>Budou zm\u011bny v cen\u00e1ch nemovitost\u00ed?<\/strong><\/h5>\n<p>Realitn\u00ed makl\u00e9\u0159i s nap\u011bt\u00edm na novelu \u010dekaj\u00ed, proto\u017ee nedok\u00e1\u017eou p\u0159esn\u011b \u0159\u00edci, jak zam\u00e1v\u00e1 \u00a0 \u00a0 s realitn\u00edm trhem. Zat\u00edm je v\u0161e jen na \u00farovni dohad\u016f.\u00a0Existuje mo\u017enost, \u017ee ceny nemovitost\u00ed o dan\u00e1 \u010dty\u0159i procenta klesnou. V\u0161e se bude ale odv\u00edjet od popt\u00e1vky.<\/p>\n<p>V p\u0159\u00edpad\u011b, \u017ee z\u00e1jem o reality p\u0159etrv\u00e1, nebudou prod\u00e1vaj\u00edc\u00ed nuceni ceny sni\u017eovat a v\u0161e z\u016fstane tak, jak je. V lukrativn\u00edch lokalit\u00e1ch by dokonce mohly ceny byt\u016f \u010di dom\u016f je\u0161t\u011b vzr\u016fst.<\/p>\n<h5><strong>Pro\u010d se z\u00e1konod\u00e1rci rozhodli pro zm\u011bnu?<\/strong><\/h5>\n<p>C\u00edlem \u00fadajn\u011b bylo v\u0161e zjednodu\u0161it. Logicky m\u00e1 platit da\u0148 ten, kdo nemovitost nab\u00fdv\u00e1. Da\u0148ov\u00e1 spr\u00e1va zm\u011bnu tak\u00e9 v\u00edt\u00e1. Dojde podle n\u00ed ke sn\u00ed\u017een\u00ed nedoplatk\u016f a zlep\u0161en\u00ed jejich p\u0159\u00edpadn\u00e9 vymahatelnosti od kupuj\u00edc\u00edch.<\/p>\n<p>Jeliko\u017e m\u00e1 nov\u00fd vlastn\u00edk k nemovitosti vztah, nebude pro n\u011bj tak jednoduch\u00e9 st\u00e1tu da\u0148 nezaplatit. Od kupuj\u00edc\u00edho p\u016fjde tak\u00e9 dlu\u017en\u00e9 pen\u00edze vym\u00e1hat prost\u0159ednictv\u00edm exekuc\u00ed na nov\u011b z\u00edskanou nemovitost. Dlu\u017en\u00edka bude rovn\u011b\u017e jednodu\u0161\u0161\u00ed vyhledat, proto\u017ee informace jsou uveden\u00e9 v katastru nemovitost\u00ed.<\/p>\n<div id=\"space-a\" class=\"space-a\">\n<p><strong><span style=\"color: #ff0000;\">\u010cNB d\u00e1v\u00e1 stopku stoprocentn\u00edm hypot\u00e9k\u00e1m. Koho to ohroz\u00ed?<\/span><\/strong><\/p>\n<p><img decoding=\"async\" src=\"http:\/\/1gr.cz\/u\/n4\/pouzijte-tlacitko-sdilet.gif\" alt=\"Ilustra\u010dn\u00ed sn\u00edmek\" \/>30.8. 2016<\/p>\n<p>\u010cesk\u00e1 n\u00e1rodn\u00ed banka p\u0159itvrdila. Jej\u00ed doporu\u010den\u00ed omezit poskytov\u00e1n\u00ed stoprocentn\u00edch hypot\u00e9k nesta\u010dilo, tak bank\u00e1m doslova na\u0159izuje, jak\u00fd objem poskytnut\u00fdch hypot\u00e9k m\u016f\u017ee b\u00fdt nad 80 %\u00a0LTV\u00a0a de facto zak\u00e1\u017ee poskytovat hypot\u00e9ky nad 90 % z\u00e1stavn\u00ed hodnoty.<\/p>\n<table width=\"1560\">\n<tbody>\n<tr>\n<td><strong>Co je LTV<\/strong>\u00a7\u00a0 Loan to value (LTV) v p\u0159ekladu znamen\u00e1 \u201e\u00fav\u011br k hodnot\u011b\u201c.<\/p>\n<p>\u00a7\u00a0 Jedn\u00e1 se o finan\u010dn\u00ed v\u00fdraz vyjad\u0159uj\u00edc\u00ed pom\u011br mezi hypote\u010dn\u00edm \u00fav\u011brem a z\u00e1stavn\u00ed hodnotou nemovitosti.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>To, co se jev\u00ed jako rozumn\u00fd z\u00e1sah regul\u00e1tora trhu, m\u016f\u017ee ale v mnoha p\u0159\u00edpadech zp\u016fsobit v\u00edce \u0161kody ne\u017e u\u017eitku. A koho nov\u00e9 na\u0159\u00edzen\u00ed ohroz\u00ed? A jak se p\u0159ipravit na spl\u00e1cen\u00ed hypot\u00e9ky?<\/p>\n<p><strong>Nen\u00ed dluh jako dluh<\/strong><\/p>\n<p>P\u016fj\u010dit si na koupi televizoru, v\u00e1no\u010dn\u00ed d\u00e1rek nebo dovolenou, je n\u00e1pad z kategorie \u201ecesta do pekel\u201c. Na druhou stranu p\u016fj\u010dit si na n\u011bco, co neztrat\u00ed hodnotu b\u011bhem spl\u00e1cen\u00ed p\u016fj\u010dky, na n\u011bco, co dokonce na hodnot\u011b nabude, to m\u016f\u017ee b\u00fdt leckdy velmi dobr\u00fd n\u00e1pad. Obzvl\u00e1\u0161\u0165 kdy\u017e se cena za takov\u00fd \u00fav\u011br (\u00farok) pohybuje kousek nad nulou.<\/p>\n<p><strong>Z\u00e1kladem je rezerva<\/strong><\/p>\n<p>Bez dostate\u010dn\u00e9 rezervy se velmi snadno m\u016f\u017eeme dostat do situace, kdy budeme nuceni s\u00e1hnout po spot\u0159ebitelsk\u00e9m \u00fav\u011bru na rozbit\u00e9\u00a0auto, pra\u010dku nebo b\u011b\u017enou spot\u0159ebu p\u0159i v\u00fdpadku p\u0159\u00edjmu. Takto p\u016fj\u010den\u00e9\u00a0pen\u00edze\u00a0budou drah\u00e9, zaru\u010den\u011b dra\u017e\u0161\u00ed ne\u017e hypot\u00e9ka na\u00a0bydlen\u00ed. Z tohoto pohledu je rozumn\u011bj\u0161\u00ed p\u0159i po\u0159izov\u00e1n\u00ed nov\u00e9ho bydlen\u00ed vytvo\u0159enou rezervu ponechat a p\u016fj\u010dit si v r\u00e1mci hypot\u00e9ky v\u00edce.<\/p>\n<p><strong>My\u0161lenka nedota\u017een\u00e1 do konce<\/strong><\/p>\n<p>\u010cNB si od sv\u00e9ho na\u0159\u00edzen\u00ed slibuje m\u00e9n\u011b rizikov\u00fdch hypot\u00e9k. Pokud by do\u0161lo k poklesu cen nemovitost\u00ed a k tomu je\u0161t\u011b t\u0159eba n\u00e1r\u016fstu \u00farokov\u00fdch sazeb, mohl by nastat probl\u00e9m se spl\u00e1cen\u00edm a n\u00e1sledn\u011b s pokryt\u00edm pohled\u00e1vek z realizace z\u00e1stavn\u00edho pr\u00e1va. \u0160lechetn\u00e1 my\u0161lenka m\u00e1 ale sv\u00e9 hranice \u2013 nut\u00ed spot\u0159ebitele s\u00e1hnout hloub\u011bji do kapsy a ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f se vydat z rezerv. Jak\u00fd je toti\u017e typick\u00fd \u017eadatel o hypot\u00e9ku? M\u00e1 naspo\u0159en\u00fd milion? Sotva t\u011bch 20 %, kter\u00e9 je\u0161t\u011b nav\u00edc poslepuje po rodin\u011b. Ta ale jednou m\u016f\u017ee cht\u00edt pen\u00edze zp\u011bt, nebude jako banka \u010dekat na doplacen\u00ed t\u0159icet let.<\/p>\n<p><strong>Koho tedy \u010cNB chr\u00e1n\u00ed?<\/strong><\/p>\n<p>Spot\u0159ebitele nikoli. Banky? Rozhodn\u011b ano. Trh? Mo\u017en\u00e1. Paradoxn\u011b men\u0161\u00ed hypot\u00e9ka m\u016f\u017ee b\u00fdt nebezpe\u010dn\u011bj\u0161\u00ed ne\u017e hypot\u00e9ka vy\u0161\u0161\u00ed. P\u0159edstavte si situaci, kdy dlu\u017en\u00edk z jak\u00e9hokoli d\u016fvodu nem\u00e1 na spl\u00e1cen\u00ed \u2013 nem\u00e1 ani dostate\u010dn\u00e9 rezervy, m\u016f\u017ee b\u00fdt tedy nucen p\u0159istoupit k prodeji nemovitosti nebo v hor\u0161\u00edm p\u0159\u00edpad\u011b k dra\u017eb\u011b. Kdyby m\u011bl hypot\u00e9ku vy\u0161\u0161\u00ed, m\u016f\u017ee t\u011b\u017ek\u00e9 obdob\u00ed z rezerv p\u0159eklenout.<\/p>\n<p><strong>Jak se p\u0159ipravit a jak\u00e1 bude realita?<\/strong><\/p>\n<p>Jedinou mo\u017enou p\u0159\u00edpravou je v\u00edce naspo\u0159it. M\u00edt p\u0159ed \u017e\u00e1dost\u00ed o hypot\u00e9ku alespo\u0148 30 % z\u00e1m\u011bru jako vlastn\u00ed zdroje. Za st\u00e1vaj\u00edc\u00edho stavu to pro b\u011b\u017en\u00e9ho spot\u0159ebitele znamen\u00e1 po\u010dkat, a\u017e se realitn\u00ed trh opravdu p\u0159eh\u0159eje, a s hor\u0161\u00ed \u00farokovou sazbou koupit p\u0159edra\u017eenou nemovitost, na kterou padne v\u00edce vlastn\u00edch pen\u011bz. Nebo je tu druh\u00e1 alternativa, kterou lze o\u010dek\u00e1vat \u2013 m\u00edsto 90% hypot\u00e9ky spot\u0159ebitel za\u017e\u00e1d\u00e1 o 80% hypot\u00e9ku a zb\u00fdvaj\u00edc\u00edch 10 a\u017e 20 % z\u00e1m\u011bru dofinancuje nezaji\u0161t\u011bn\u00fdm \u00fav\u011brem, t\u0159eba p\u0159eklenovac\u00edm ze\u00a0stavebn\u00edho spo\u0159en\u00ed.\u00a0Je to ale op\u011bt kontraproduktivn\u00ed krok \u2013 dlu\u017en\u00edk se tak uv\u00e1\u017ee k celkov\u011b vy\u0161\u0161\u00ed spl\u00e1tce a zaplat\u00ed v\u00edce na \u00faroc\u00edch. Vystav\u00ed se tak vy\u0161\u0161\u00edmu riziku, ne\u017e kdyby svou bytovou pot\u0159ebu \u0159e\u0161il 90% hypot\u00e9kou.<\/p>\n<p><strong>Malov\u00e1n\u00ed \u010derta na ze\u010f<\/strong><\/p>\n<p>T\u011b\u017eko se ubr\u00e1nit dojmu, \u017ee \u010cNB sv\u00fdm razantn\u00edm krokem chce na\u0161i ekonomiku ochr\u00e1nit p\u0159ed chim\u00e9rou hypote\u010dn\u00ed krize, jakou jsme p\u0159ed lety sledovali v USA. Jsme ale ve zcela jin\u00e9 situaci \u2013 \u201ena\u0161e\u201c banky jsou nesrovnateln\u011b opatrn\u011bj\u0161\u00ed. Tak jen doufejme, \u017ee striktn\u00ed omezen\u00ed od \u010cNB nepovede k v\u00edce situac\u00edm, kdy spot\u0159ebitel\u00e9 nebudou schopni dost\u00e1t z\u00e1vazk\u016fm.<\/p>\n<h4><\/h4>\n<\/div>\n<div id=\"space-b\" class=\"space-b\"><\/div>\n<h4><span style=\"color: #ff0000;\">Banky zp\u0159\u00eds\u0148uj\u00ed poskytov\u00e1n\u00ed hypot\u00e9k<\/span><\/h4>\n<p>15.8. 2016<\/p>\n<p>Kv\u016fli bl\u00ed\u017e\u00edc\u00ed se \u00fa\u010dinnosti nov\u00e9ho z\u00e1kona o\u00a0spot\u0159ebitelsk\u00fdch \u00fav\u011brech banky za\u010d\u00ednaj\u00ed zp\u0159\u00eds\u0148ovat poskytov\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f. N\u011bkter\u00e9 bankovn\u00ed domy ji\u017e v\u00a0pr\u016fb\u011bhu l\u00e9ta nap\u0159\u00edklad zastavily prodej hypot\u00e9k bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjmu a\u00a0zp\u0159\u00eds\u0148uj\u00ed i\u00a0ostatn\u00ed pravidla pro poskytov\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f.<\/p>\n<p>Banky se toti\u017e mus\u00ed p\u0159ipravit na nov\u00fd z\u00e1kon o\u00a0\u00fav\u011brech, kter\u00fd je nyn\u00ed u\u017e v\u00a0Sen\u00e1tu, a\u00a0mj. klade pom\u011brn\u011b velk\u00fd d\u016fraz na prokazov\u00e1n\u00ed a\u00a0posuzov\u00e1n\u00ed \u00fav\u011bruschopnosti \u017eadatele o\u00a0p\u016fj\u010dku.<\/p>\n<p>\u201eBanky tak budou v\u00fdrazn\u011b hloub\u011bji zkoumat p\u0159\u00edjmy a\u00a0v\u00fddaje rodiny \u017eadatele,\u201c \u0159ekla Pr\u00e1vu hypote\u010dn\u00ed analyti\u010dka Partners Lucie Dr\u00e1salov\u00e1.<\/p>\n<p><strong>Konec \u00fav\u011br\u016f bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f<\/strong><\/p>\n<p>Prodej hypot\u00e9ky bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjmu v\u00a0l\u00e9t\u011b zastavily nap\u0159\u00edklad Hypote\u010dn\u00ed banka a\u00a0\u010cSOB, kter\u00e9 pat\u0159\u00ed do stejn\u00e9 finan\u010dn\u00ed skupiny, a\u00a0nov\u011b i\u00a0Raiffeisenbank.<\/p>\n<p>\u201e\u010cSOB neposkytuje hypot\u00e9ky bez dolo\u017een\u00ed p\u0159\u00edjmu od 1. \u010dervence 2016. Reaguje t\u00edm na nov\u00fd z\u00e1kon o\u00a0\u00fav\u011bru pro spot\u0159ebitele,\u201c informovala pro Pr\u00e1vo mluv\u010d\u00ed \u010cSOB Pavla H\u00e1vov\u00e1.<\/p>\n<p>\u201ePoskytov\u00e1n\u00ed hypot\u00e9ky bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjmu jsme ukon\u010dili k\u00a030. \u010dervnu 2016. D\u016fvodem je nutnost p\u0159izp\u016fsobit se implementaci z\u00e1kona a\u00a0pos\u00edlit syst\u00e9m \u0159\u00edzen\u00ed rizik Hypote\u010dn\u00ed banky,\u201c potvrdila pak Pr\u00e1vu i\u00a0\u0159editelka marketingu Hypote\u010dn\u00ed banky Kate\u0159ina Kr\u00e1sov\u00e1.<\/p>\n<p>Klienti obou bank maj\u00ed podle mluv\u010d\u00edch i\u00a0nad\u00e1le mo\u017enost dokl\u00e1dat p\u0159\u00edjmy v\u00a0podob\u011b da\u0148ov\u00fdch pau\u0161\u00e1l\u016f a\u00a0p\u0159edschv\u00e1len\u00e9 spl\u00e1tky.<\/p>\n<p>Hypote\u010dn\u00ed banka podle finan\u010dn\u00edch poradc\u016f ji\u017e neakceptuje ani budouc\u00ed p\u0159\u00edjmy z\u00a0pron\u00e1jmu. Ke zp\u0159\u00edsn\u011bn\u00ed p\u0159istoupila t\u0159eba i\u00a0Raiffeisenbank, kter\u00e1 od srpna zastavila poskytov\u00e1n\u00ed Equi hypot\u00e9ky bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjmu.<\/p>\n<p>\u010cesk\u00e1 spo\u0159itelna (\u010cS) Pr\u00e1vo informovala, \u017ee hypot\u00e9ku bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjmu v\u00a0nab\u00eddce nem\u00e1. Podle produktov\u00e9 analyti\u010dky OVB Allfinanz Hany Fojtov\u00e9 \u010cS ale zru\u0161ila prodej Hypot\u00e9ky s\u00a0pr\u00e9mi\u00ed.<\/p>\n<p>\u201eTato zm\u011bna souvis\u00ed s\u00a0uz\u00e1kon\u011bn\u00edm mo\u017enosti mimo\u0159\u00e1dn\u00e9 spl\u00e1tky hypote\u010dn\u00edho \u00fav\u011bru bez sankce. Klient toti\u017e v\u00a0p\u0159\u00edpad\u011b mimo\u0159\u00e1dn\u00e9 spl\u00e1tky o\u00a0sl\u00edbenou pr\u00e9mii (vr\u00e1cen\u00ed \u010d\u00e1sti uhrazen\u00fdch \u00farok\u016f z\u00a0\u00fav\u011bru v\u00a0celkov\u00e9 v\u00fd\u0161i a\u017e 4\u00a0procenta z\u00a0vy\u010derpan\u00e9 v\u00fd\u0161e \u00fav\u011bru) p\u0159ich\u00e1z\u00ed,\u201c doplnila Fojtov\u00e1.<\/p>\n<p><strong>Proces schvalov\u00e1n\u00ed m\u016f\u017ee b\u00fdt del\u0161\u00ed<\/strong><\/p>\n<p>Z pohledu regul\u00e1tora trhu, tedy \u010cesk\u00e9 n\u00e1rodn\u00ed banky, mus\u00ed banky podle Dr\u00e1salov\u00e9 prok\u00e1zat d\u016fv\u011bryhodn\u00e9 a\u00a0relevantn\u00ed dokumenty a\u00a0informace, kter\u00e9 klient p\u0159edlo\u017eil jako doklad o\u00a0sv\u00e9m p\u0159\u00edjmu. P\u0159\u00edjem mus\u00ed b\u00fdt stabiln\u00ed, dlouhodob\u00fd, udr\u017eiteln\u00fd a\u00a0hlavn\u011b dolo\u017eiteln\u00fd.<\/p>\n<p>Banky tak\u00e9 za\u010d\u00ednaj\u00ed ve v\u011bt\u0161\u00edm nab\u00edzet v\u00fdhodn\u00e9 \u00farokov\u00e9 sazby i\u00a0na dlouh\u00e9 fixace. Pot\u00e9, co nov\u00fd \u00fav\u011brov\u00fd z\u00e1kon vejde v\u00a0platnost, bude toti\u017e moci klient v\u00a0ur\u010dit\u00fdch situac\u00edch splatit hypot\u00e9ku i\u00a0v\u00a0dob\u011b fixace zcela zdarma.<\/p>\n<p>\u201eBanky si tak cht\u011bj\u00ed rad\u011bji ji\u017e nyn\u00ed klienty zafixovat na dobu nap\u0159\u00edklad 10 let za st\u00e1vaj\u00edc\u00edch podm\u00ednek \u2013\u00a0\u010dili splacen\u00ed v\u00a0dob\u011b fixace pouze s\u00a0velmi v\u00fdraznou sankc\u00ed za p\u0159ed\u010dasn\u00e9 splacen\u00ed,\u201c upozornila Dr\u00e1salov\u00e1. Banky v\u00a0posledn\u00edch m\u011bs\u00edc\u00edch sazby na dlouhodob\u00fdch fixac\u00edch sni\u017eovaly.<\/p>\n<p>\u201eNap\u0159\u00edklad u\u00a0desetilet\u00e9 fixace se lze nyn\u00ed se sazbou dostat pod dv\u011b procenta,\u201c potvrdil Pr\u00e1vu hypote\u010dn\u00ed poradce Ji\u0159\u00ed Hou\u0161ka.<\/p>\n<p>Makroekonomicky sice zat\u00edm nic nenasv\u011bd\u010duje tomu, \u017ee by \u00farokov\u00e9 sazby m\u011bly j\u00edt v\u00a0dohledn\u00e9 dob\u011b nahoru, nov\u00fd z\u00e1kon ale m\u016f\u017ee podle Dr\u00e1salov\u00e9 p\u0159inutit banky sazby nav\u00fd\u0161it.<\/p>\n<p>Teprve budouc\u00ed m\u011bs\u00edce podle expert\u016f naplno uk\u00e1\u017eou, jak se banky s\u00a0novou pr\u00e1vn\u00ed \u00fapravou popasuj\u00ed.<\/p>\n<p>\u201eNa nich bude, jak moc hladk\u00fd a\u00a0dlouh\u00fd cel\u00fd proces po zm\u011bn\u011b bude. Pokud banka nebude dostate\u010dn\u011b p\u0159ipraven\u00e1, je mo\u017en\u00e9, \u017ee n\u00e1s \u010dek\u00e1 v\u00fdrazn\u011b del\u0161\u00ed proces schvalov\u00e1n\u00ed ne\u017e dosud. Bude pot\u0159eba i\u00a0v\u00edce dokument\u016f, tak\u017ee i\u00a0administrativn\u011b to bude n\u00e1ro\u010dn\u011bj\u0161\u00ed. Pro samotn\u00e9 klienty to bude hlavn\u011b znamenat hlub\u0161\u00ed prov\u011brku jejich rodinn\u00e9 finan\u010dn\u00ed situace,\u201c dodala Dr\u00e1salov\u00e1.<\/p>\n<p>Poskytovatel\u00e9 \u00fav\u011bru toti\u017e ponesou mnohem v\u011bt\u0161\u00ed zodpov\u011bdnost za posouzen\u00ed \u00fav\u011bruschopnosti klienta, ne\u017e je tomu te\u010f. \u201eZ\u00e1kon na\u0159izuje posoudit u\u00a0klienta zejm\u00e9na schopnost spl\u00e1cet na z\u00e1klad\u011b porovn\u00e1n\u00ed p\u0159\u00edjm\u016f a\u00a0v\u00fddaj\u016f. V\u00a0p\u0159\u00edpad\u011b poru\u0161en\u00ed povinnosti je smlouva o\u00a0\u00fav\u011bru neplatn\u00e1 a\u00a0banka p\u0159ich\u00e1z\u00ed o\u00a0\u00farokov\u00e9 v\u00fdnosy,\u201c up\u0159esnila Kr\u00e1sov\u00e1.<\/p>\n<p><strong>Z\u00e1jem o\u00a0p\u016fj\u010dky je letos rekordn\u00ed<\/strong><\/p>\n<p>N\u00edzk\u00e9 \u00farokov\u00e9 sazby u\u00a0p\u016fj\u010dek na bydlen\u00ed, rostouc\u00ed ceny nemovitost\u00ed a\u00a0fakt, \u017ee hypot\u00e9ku dostanou i\u00a0lid\u00e9, kter\u00e9 by banka je\u0161t\u011b p\u0159ed p\u00e1r lety odm\u00edtla, zvy\u0161uj\u00ed podle odborn\u00edk\u016f riziko, \u017ee by se tuzemsk\u00fd hypote\u010dn\u00ed trh mohl za\u010d\u00edt p\u0159eh\u0159\u00edvat a\u00a0v\u00edce klient\u016f by mohlo m\u00edt v\u00a0p\u0159\u00ed\u0161t\u00edch letech se spl\u00e1cen\u00edm p\u016fj\u010dky probl\u00e9my.<\/p>\n<p>\u010cesk\u00e1 n\u00e1rodn\u00ed banka proto v\u00a0\u010dervnu ozn\u00e1mila, \u017ee maxim\u00e1ln\u00ed limit pro v\u00fd\u0161i hypot\u00e9ky bude od leto\u0161n\u00edho \u0159\u00edjna 95 procent hodnoty zaji\u0161t\u011bn\u00e9 nemovitosti a\u00a0od dubna 2017 u\u017e jen 90 procent. Stejn\u00e1 pravidla p\u0159itom budou platit i\u00a0pro \u00fav\u011bry u\u00a0stavebn\u00edch spo\u0159itelen. Banky u\u017e podle poradc\u016f omezily poskytov\u00e1n\u00ed stoprocentn\u00edch hypot\u00e9k, co\u017e jim \u010cNB doporu\u010dila ji\u017e loni.<\/p>\n<p>Z\u00e1jem \u010cech\u016f o\u00a0p\u016fj\u010dky na bydlen\u00ed letos l\u00e1me v\u0161echny rekordy. Ministerstvo pro m\u00edstn\u00ed rozvoj na za\u010d\u00e1tku srpna ozn\u00e1milo, \u017ee tuzemsk\u00e9 banky poskytly klient\u016fm v\u00a0prvn\u00edm pololet\u00ed leto\u0161n\u00edho roku 54 tis\u00edc hypot\u00e9k za celkem 102 miliardy korun. Ve stejn\u00e9m obdob\u00ed loni si lid\u00e9 vzali 50 tis\u00edc hypot\u00e9k za 88 miliard korun.<\/p>\n<h4 class=\"main-heading\"><span style=\"color: #ff0000;\">Na trh m\u00ed\u0159\u00ed nov\u00e9 \u201enorsk\u00e9&#8220; povinn\u00e9 ru\u010den\u00ed<\/span><\/h4>\n<div class=\"article-detail \">\n<div class=\"perex clearfix\">\n<div class=\"heading-image\"><img decoding=\"async\" src=\"http:\/\/www.opojisteni.cz\/res\/archive\/017\/001952_50_048348.jpg?seek=1457436974\" alt=\" Na trh m\u00ed\u0159\u00ed nov\u00e9 \u201enorsk\u00e9&quot; povinn\u00e9 ru\u010den\u00ed\" \/><\/div>\n<div class=\"date-category\"><span class=\"date\">28.7.2016<\/span><\/div>\n<p>V\u00a0p\u0159\u00ed\u0161t\u00edch letech by v\u0161ichni ti, kte\u0159\u00ed maj\u00ed auto, mohli platit povinn\u00e9 ru\u010den\u00ed tak trochu jinak. M\u00ed\u0159\u00ed k\u00a0n\u00e1m model \u201enorsk\u00e9ho\u201c povinn\u00e9ho ru\u010den\u00ed, jeho\u017e cena se odv\u00edj\u00ed nejen od objemu motoru a rizikovosti klienta, n\u00fdbr\u017e i podle toho, jak \u010dasto lid\u00e9 \u0159\u00edd\u00ed.<\/p>\n<\/div>\n<div class=\"text-content\">\n<p>Na \u010cesk\u00e9m trhu se m\u00e1 objevit norsk\u00e1 firma Telemotix, kter\u00e1 ji\u017e v\u00a0Norsku za\u010dala sledovat pomoc\u00ed speci\u00e1ln\u00edho za\u0159\u00edzen\u00ed v\u00a0aut\u011b chov\u00e1n\u00ed \u0159idi\u010d\u016f a t\u00edm p\u00e1dem i pravd\u011bpodobnost vzniku dopravn\u00edch nehod. Zkoum\u00e1 nap\u0159\u00edklad i to, jak prudce a \u010dasto brzd\u00edte, kdy zrychlujete a zda-li dodr\u017eujete maxim\u00e1ln\u00ed povolenou rychlost.<\/p>\n<p>Jako motivace k\u00a0dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f a bezpe\u010dn\u00e9mu stylu j\u00edzdy, maj\u00ed slou\u017eit slevy ze z\u00e1kladn\u00edho tarifu poji\u0161t\u011bn\u00ed. Podle Michala Zd\u011bnka, kter\u00fd se na v\u00fdzkumu pod\u00edlel, pomohou data poji\u0161\u0165ovn\u00e1m l\u00e9pe odhadovat rizikovost klient\u016f.<\/p>\n<p><span style=\"color: #000000;\">V\u00a0\u010cesku zohled\u0148uje najet\u00e9 kilometry zat\u00edm jen Uniqua. Kdo m\u00e1 u poji\u0161\u0165ovny povinn\u00e9 ru\u010den\u00ed a autem ro\u010dn\u011b najezd\u00ed m\u00e9n\u011b, ne\u017e osm tis\u00edc kilometr\u016f, dostane slevu ze z\u00e1kladn\u00edho poji\u0161t\u011bn\u00ed 25 %. Ve sv\u011bt\u011b je syst\u00e9m individu\u00e1ln\u00edho povinn\u00e9ho ru\u010den\u00ed \u010d\u00edm d\u00e1l popul\u00e1rn\u011bj\u0161\u00ed. <em>\u201eTyto syst\u00e9my se prosazuj\u00ed zejm\u00e9na na trz\u00edch, kde je v\u00fdrazn\u011b vy\u0161\u0161\u00ed cenov\u00e1 \u00farove\u0148 poji\u0161t\u011bn\u00ed,\u201c<\/em> \u0159\u00edk\u00e1 Ale\u0161 Povr, mluv\u010d\u00ed <a class=\"cms-editor-link-web\" style=\"color: #000000;\" href=\"http:\/\/www.opojisteni.cz\/adresar\/asociace-a-instituce\/ckp\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u010cesk\u00e9 kancel\u00e1\u0159e pojistitel\u016f<\/a>.<\/span><\/p>\n<p>Norsk\u00fd start-up\u00a0Telemotix vyvinul syst\u00e9m, kter\u00fd sleduje chov\u00e1n\u00ed \u0159idi\u010de a po testovac\u00edm provozu chce produkt uv\u00e9st na trh v\u00a0Norsku a D\u00e1nsku. I po na\u0161ich poji\u0161\u0165ovn\u00e1ch Telemotix \u017e\u00e1d\u00e1 vyu\u017e\u00edv\u00e1n\u00ed nasb\u00edran\u00fdch dat.<\/p>\n<p>Nor\u0161t\u00ed a \u010de\u0161t\u00ed v\u011bdci dali dohromady soubor skute\u010dnost\u00ed, kter\u00e9 v\u00a0b\u011b\u017en\u00e9m povinn\u00e9m ru\u010den\u00ed nejsou zohledn\u011bny. D\u016fle\u017eit\u00fdm faktorem je, jak nebezpe\u010dn\u011b se \u0159idi\u010d na silnici chov\u00e1. Poji\u0161\u0165ovny prozat\u00edm zohled\u0148uj\u00ed p\u0159inejlep\u0161\u00edm pouze po\u010det nehod syst\u00e9mem ud\u011blovan\u00fdch bonus\u016f.<\/p>\n<p><em>\u201eChceme ud\u011blat podobnou studii v \u010cesku ve spolupr\u00e1ci s n\u011bkterou z m\u00edstn\u00edch poji\u0161\u0165oven,\u201c<\/em> \u0159\u00edk\u00e1 ekonom Michal Zd\u011bnek, kter\u00fd se na studii jako autor pod\u00edlel a jeho\u017e firma Ivy Street s \u010desk\u00fdmi poji\u0161\u0165ovnami jedn\u00e1 o spolupr\u00e1ci.<\/p>\n<p><em>\u201eZ\u00e1jem ze strany poji\u0161\u0165oven je zna\u010dn\u00fd. Na podzim se rozhodneme, se kterou do v\u00fdzkumu p\u016fjdeme,\u201c<\/em>tvrd\u00ed Zd\u011bnek. Komer\u010dn\u00ed vyu\u017eit\u00ed ho zprvu nel\u00e1kalo, ale kdy\u017e p\u0159i akademick\u00e9 anal\u00fdze zjistil, jak jsou v\u00fdsledky zaj\u00edmav\u00e9, za\u010dal uva\u017eovat s kolegy o tom, nab\u00eddnout je poji\u0161\u0165ovn\u00e1m. Produkt zalo\u017een\u00fd na sledov\u00e1n\u00ed \u0159idi\u010d\u016f zat\u00edm nab\u00edz\u00ed d\u00e1nsk\u00e1 poji\u0161\u0165ovna Trygg Vesta.<\/p>\n<p>Poji\u0161\u0165ovna klient\u016fm po vyhodnocen\u00ed nasb\u00edran\u00fdch dat \u010d\u00e1st pen\u011bz ze z\u00e1kladn\u00ed sazby vrac\u00ed, nebo je naopak zinkasuje o v\u00edce pen\u011bz, proto\u017ee je jejich j\u00edzda rizikov\u011bj\u0161\u00ed. <em>\u201eSpr\u00e1vn\u00e1 cenotvorba pro poji\u0161\u0165ovny dnes p\u0159edstavuje z\u00e1sadn\u00ed konkuren\u010dn\u00ed v\u00fdhodu na trhu, povinn\u00e9 ru\u010den\u00ed je vystaven\u00e9 mimo\u0159\u00e1dn\u00e9 konkurenci,\u201c<\/em> \u0159\u00edk\u00e1 Zd\u011bnek.<\/p>\n<p>Tento zp\u016fsob placen\u00ed povinn\u00e9ho ru\u010den\u00ed dle rizikovosti klienta podle stylu \u0159\u00edzen\u00ed, se naz\u00fdv\u00e1 PAYD (Pay as you drive). Syst\u00e9m PAYD se prosazuje zejm\u00e9na na trz\u00edch, kde je \u010d\u00e1stka za poji\u0161t\u011bn\u00ed vozidla pom\u011brn\u011b vysok\u00e1. Na na\u0161em trhu n\u011bco podobn\u00e9ho nab\u00edz\u00ed zat\u00edm jen UNIQA, kter\u00e1 sv\u00fdm klient\u016fm nab\u00edz\u00ed instalaci palubn\u00ed jednotky se zabudovan\u00fdm \u010didlem a automaticky p\u0159en\u00e1\u0161\u00ed sign\u00e1l o hav\u00e1rii na dispe\u010dink asisten\u010dn\u00ed slu\u017eby.<\/p>\n<p>Najet\u00e9 kilometry jsou podle studie Zd\u011bnka a jeho koleg\u016f pr\u00e1v\u011b jedn\u00edm z\u00a0hlavn\u00edch faktor\u016f zvy\u0161uj\u00edc\u00edch riziko nehody. Data porovn\u00e1vala 500 vozidel po dobu dev\u00edti m\u011bs\u00edc\u016f s\u00a0nehodou a bez nehod. M\u00e9n\u011b nehod m\u011bli \u0159idi\u010di s\u00a0m\u00e9n\u011b najet\u00fdmi kilometry. D\u016fvodem p\u0159\u00edpadn\u00e9 nehody m\u016f\u017ee b\u00fdt i denn\u00ed doba. V\u00fdsledek pr\u016fzkumu dokazuje, \u017ee \u0159idi\u010di s\u00a0nehodami maj\u00ed vy\u0161\u0161\u00ed pr\u016fm\u011brnou rychlost a agresivn\u011bj\u0161\u00ed styl zrychlov\u00e1n\u00ed a br\u017ed\u011bn\u00ed.<\/p>\n<\/div>\n<div class=\"bottom-info\"><\/div>\n<\/div>\n<h4 id=\"page-title\" class=\"title\"><span style=\"color: #ff0000;\">REGULACE HYPOTE\u010cN\u00cdCH \u00daV\u011aR\u016e<\/span><\/h4>\n<p>1.7. 2016<\/p>\n<p>\u010cesk\u00e1 n\u00e1rodn\u00ed banka vydala dal\u0161\u00ed doporu\u010den\u00ed t\u00fdkaj\u00edc\u00ed se omezen\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f, p\u0159i\u010dem\u017e tato omezen\u00ed budou prob\u00edhat <strong>ve dvou f\u00e1z\u00edch<\/strong>.<\/p>\n<ul>\n<li>V\u00a0t\u00e9 prvn\u00ed, od 1. 10. 2016, budou banky sm\u011bt p\u016fj\u010dovat hypote\u010dn\u00ed \u00fav\u011bry maxim\u00e1ln\u011b do 95 % odhadn\u00ed ceny nemovitosti, kterou je \u00fav\u011br zastaven (tzv. LTV). Hypote\u010dn\u00ed \u00fav\u011bry od 85 do 95 % LTV budou moci banky poskytnout jen v\u00a0omezen\u00e9m objemu (do 10 % ze sv\u00fdch nov\u00fdch obchod\u016f).<\/li>\n<li>Druh\u00e1 f\u00e1ze pob\u011b\u017e\u00ed od 1. 4. 2017 a pravidla budou je\u0161t\u011b zp\u0159\u00edsn\u011bna. Banky budou moci poskytovat hypote\u010dn\u00ed \u00fav\u011bry maxim\u00e1ln\u011b do 90 % LTV, hypote\u010dn\u00ed \u00fav\u011bry mezi 80 a 90 % LTV budou banky poskytovat jen do 15 % sv\u00fdch nov\u00fdch obchod\u016f.<\/li>\n<\/ul>\n<p>A co bude regulace \u010cNB re\u00e1ln\u011b znamenat pro klienty? Od listopadu 2016, pota\u017emo od dubna 2017, budou klienti, kte\u0159\u00ed zva\u017eovali vyu\u017eit\u00ed hypote\u010dn\u00edho \u00fav\u011bru ve v\u00fd\u0161i 100 % LTV pot\u0159ebovat vlastn\u00ed prost\u0159edky nebo jin\u00fd \u00fav\u011br. 100% hypot\u00e9ky nebudou a bude pot\u0159eba m\u00edt naspo\u0159eno mnohem v\u00edce vlastn\u00edch prost\u0159edk\u016f ne\u017e dnes, nebo si budou muset zaj\u00edt p\u016fj\u010dit \u010d\u00e1st (5-20 %) pen\u011bz jinam. Klienti, kte\u0159\u00ed zva\u017euj\u00ed vyu\u017eit\u00ed hypote\u010dn\u00edho \u00fav\u011bru, budou muset ve sv\u00fdch Finan\u010dn\u00edch pl\u00e1nech br\u00e1t v\u00a0\u00favahu tvorbu vlastn\u00edch prost\u0159edk\u016f nebo p\u0159\u00edpadn\u011b dal\u0161\u00ed \u00fav\u011br zohlednit a v\u010das se na tuto situaci p\u0159ipravit.<\/p>\n<h4><span style=\"color: #ff0000;\">\u010cNB se nel\u00edb\u00ed 100% hypot\u00e9ky. Zak\u00e1zat je ale nem\u016f\u017ee<\/span><\/h4>\n<div id=\"artinfo\">17.06.2016<\/div>\n<div class=\"im\"><img decoding=\"async\" title=\"\u010cNB se nel\u00edb\u00ed 100% hypot\u00e9ky. Zak\u00e1zat je ale nem\u016f\u017ee\" src=\"http:\/\/www.hypoindex.cz\/resize_images\/images\/perex\/budova-cnb-400.jpg\" alt=\"\u010cNB se nel\u00edb\u00ed 100% hypot\u00e9ky. Zak\u00e1zat je ale nem\u016f\u017ee\" \/><\/div>\n<p><strong>\u010cesk\u00e1 n\u00e1rodn\u00ed banka (\u010cNB) broj\u00ed proti 100% hypot\u00e9k\u00e1m. Banky ji ale beztak neposlouchaj\u00ed a \u00fav\u011bry na v\u00edce ne\u017e 100\u00a0% LTV d\u00e1l poskytuj\u00ed. \u010cNB proto zp\u0159\u00edsnila sv\u00e9 doporu\u010den\u00ed a \u201epovol\u00ed\u201c jen 90% hypot\u00e9ky. Omez\u00ed t\u00edm hypote\u010dn\u00ed\u00a0trh?<\/strong><\/p>\n<p>\u010cesk\u00e1 n\u00e1rodn\u00ed banka nem\u016f\u017ee ovlivnit v\u00fd\u0161i poskytovan\u00e9 hypot\u00e9ky k\u00a0hodnot\u011b nemovitosti (LTV) p\u0159\u00edmo. Vyd\u00e1v\u00e1 \u201epouze\u201c doporu\u010den\u00ed. Ov\u0161em doporu\u010den\u00ed od dozorov\u00e9ho org\u00e1nu m\u00e1 velmi slibnou \u00fa\u010dinnost. Banka, kter\u00e1 se j\u00edm ne\u0159\u00edd\u00ed, si m\u016f\u017ee zad\u011blat na pot\u00ed\u017ee p\u0159i p\u0159\u00ed\u0161t\u00ed hloubkov\u00e9 kontrole. I\u00a0p\u0159esto zdaleka ne v\u0161echny banky lo\u0148sk\u00e9 doporu\u010den\u00ed \u010cNB k\u00a0v\u00fd\u0161i LTV berou jako bernou\u00a0minci.<\/p>\n<p>Podle aktu\u00e1ln\u011b platn\u00e9ho doporu\u010den\u00ed \u010cNB banky mohou poskytovat pouze hypot\u00e9ky do 100\u00a0% z\u00e1stavn\u00ed hodnoty nemovitosti a jen 10\u00a0% poskytnut\u00fdch hypot\u00e9k m\u016f\u017ee b\u00fdt s\u00a0\u00fav\u011brem od 90\u00a0do 100\u00a0% hodnoty nemovitosti. P\u0159esto v\u00a0druh\u00e9m pololet\u00ed roku 2015, kdy doporu\u010den\u00ed ji\u017e platilo, \u010dinily hypot\u00e9ky nad 100\u00a0% LTV 4\u00a0% objemu v\u0161ech nov\u00fdch \u00fav\u011br\u016f. Je\u0161t\u011b ve 4.\u00a0\u010dtvrtlet\u00ed 2015\u00a0je poskytlo 10\u00a0bank, z\u00a0nich\u017e nejv\u011bt\u0161\u00edmi h\u0159\u00ed\u0161n\u00edky byly t\u0159i, kter\u00e9 poskytly 95\u00a0% nadlimitn\u00edch hypot\u00e9k.<\/p>\n<p>Stejn\u011b tak banky pln\u011b nedodr\u017eovaly pod\u00edl 10\u00a0% hypot\u00e9k s\u00a0LTV v\u00a0rozmez\u00ed 90\u00a0a\u017e 100\u00a0%. Nad \u201edoporu\u010den\u00fdm\u201c limitem se ve 2.\u00a0pololet\u00ed 2015\u00a0pohybovalo celkem 3\u00a0% v\u0161ech nov\u011b poskytnut\u00fdch hypot\u00e9k. Za cel\u00e9 odv\u011btv\u00ed sice dos\u00e1hl pod\u00edl 90\u00a0a\u017e 100% hypot\u00e9k jen 9\u00a0%, ov\u0161em je\u0161t\u011b ve 4.\u00a0\u010dtvrtlet\u00ed limit st\u00e1le p\u0159ekra\u010dovalo osm bank, z\u00a0nich\u017e 3\u00a0nejh\u0159\u00ed\u0161n\u011bj\u0161\u00ed v\u00a0souhrnu dos\u00e1hly 82\u00a0% nadlimitn\u00edho objemu. A\u00a0v\u00fdsledek? Doporu\u010den\u00ed se zp\u0159\u00edsn\u00ed.<\/p>\n<h4>P\u0159\u00edsn\u011bj\u0161\u00ed doporu\u010den\u00ed aneb Konec 100% hypot\u00e9k v\u00a0\u010cesku?<\/h4>\n<p>\u010cesk\u00e1 n\u00e1rodn\u00ed banka v\u00a0nov\u00e9m doporu\u010den\u00ed poskytov\u00e1n\u00ed vysok\u00fdch hypot\u00e9k d\u00e1le zp\u0159\u00eds\u0148uje. Zak\u00e1zat je sice nem\u016f\u017ee, m\u016f\u017ee ale bank\u00e1m, kter\u00e9 doporu\u010den\u00ed nerespektuj\u00ed, nav\u00fd\u0161it povinn\u00e9 rezervy. Pro banky se tak hypot\u00e9ky s\u00a0vy\u0161\u0161\u00edm LTV prodra\u017e\u00ed. Zp\u0159\u00edsn\u011bn\u00ed doporu\u010den\u00ed povede k\u00a0dal\u0161\u00edmu zv\u00fd\u0161en\u00ed ceny zdroj\u016f pro banky, kter\u00e9 doporu\u010den\u00ed nebudou respektovat.<\/p>\n<p>Banky ov\u0161em nejsou zcela bezbrann\u00e9. Kdy\u017e jim regul\u00e1tor zak\u00e1\u017ee vy\u0161\u0161\u00ed hypot\u00e9ky k\u00a0z\u00e1stavn\u00ed cen\u011b nemovitost\u00ed, uvoln\u00ed pravidla pro stanovov\u00e1n\u00ed z\u00e1stavn\u00ed ceny nemovitost\u00ed. I\u00a0s\u00a0t\u00edmto odhalen\u00edm p\u0159i\u0161la<span style=\"color: #000000;\"> <a style=\"color: #000000;\" title=\"Finan\u010dn\u00ed trh \u010cR je odoln\u011bj\u0161\u00ed, mo\u017en\u00fdm rizikem je rychl\u00fd r\u016fst \u00fav\u011br\u016f\" href=\"http:\/\/www.investujeme.cz\/financni-trh-cr-je-odolnejsi-moznym-rizikem-je-rychly-rust-uveru\/\">Zpr\u00e1va o\u00a0finan\u010dn\u00ed stabilit\u011b 2015\u00a0\u2013 2016<\/a>: <\/span><em><span style=\"color: #000000;\">\u201e<\/span>Ve t\u0159et\u00edm a \u010dtvrt\u00e9m \u010dtvrtlet\u00ed 2015\u00a0rostly hodnoty zaji\u0161t\u011bn\u00ed pomaleji ne\u017e v\u00fd\u0161e \u00fav\u011br\u016f, ale rychleji ne\u017e ceny nemovitost\u00ed. V\u00a0kategori\u00edch LTV 80\u201390 % a 90\u2013100 %, u\u00a0kter\u00fdch existuje motivace z\u00e1stavn\u00ed hodnoty ovliv\u0148ovat, rostla pr\u016fm\u011brn\u00e1 z\u00e1stavn\u00ed hodnota meziro\u010dn\u011b zhruba o\u00a010\u00a0%, pr\u016fm\u011brn\u00e1 v\u00fd\u0161e \u00fav\u011br\u016f se pak zvy\u0161ovala o\u00a013\u00a0%. V\u00fdsledky tedy lze ch\u00e1pat jako indikaci, \u017ee k\u00a0\u00fa\u010delov\u00e9mu stanovov\u00e1n\u00ed z\u00e1stavn\u00edch hodnot m\u016f\u017ee v\u00a0n\u011bkter\u00fdch p\u0159\u00edpadech doch\u00e1zet.\u201c<\/em><\/p>\n<p>Ke zp\u0159\u00edsn\u011bn\u00ed doporu\u010den\u00ed k\u00a0poskytov\u00e1n\u00ed hypot\u00e9k s\u00a0vy\u0161\u0161\u00edm LTV dojde ve dvou kroc\u00edch. Maxim\u00e1ln\u00ed \u201edoporu\u010den\u00e1\u201c v\u00fd\u0161e LTV klesne ze 100\u00a0% nejprve k\u00a01.\u00a010.\u00a02016 na 95\u00a0% a n\u00e1sledn\u011b k\u00a01.\u00a04.\u00a02017 na 90\u00a0%. Jakoukoli vy\u0161\u0161\u00ed hypot\u00e9ku bude \u010cNB pova\u017eovat za \u00fav\u011br se specifick\u00fdmi riziky a bude na ni vy\u017eadovat vy\u0161\u0161\u00ed kapit\u00e1lov\u00e9 kryt\u00ed. Z\u00e1rove\u0148 s\u00a0t\u00edm se postupn\u011b bude sni\u017eovat \u201epovolen\u00fd\u201c 10% pod\u00edl hypot\u00e9k v\u00a0rozmez\u00ed od 90\u00a0do 100\u00a0% LTV na 10\u00a0% nov\u011b poskytnut\u00fdch hypot\u00e9k s\u00a0LTV 85\u00a0a\u017e 95\u00a0% a n\u00e1sledn\u011b na 15\u00a0% hypot\u00e9k s\u00a0LTV 80\u00a0a\u017e\u00a090\u00a0%.<\/p>\n<p><em>\u201e\u010cNB d\u00e1le instituc\u00edm nov\u011b doporu\u010duje, aby za vyu\u017eit\u00ed v\u0161ech dostupn\u00fdch informac\u00ed identifikovaly, zda \u00fav\u011br slou\u017e\u00ed k\u00a0financov\u00e1n\u00ed vlastnick\u00e9ho bydlen\u00ed, nebo k\u00a0n\u00e1kupu nemovitosti jako investice. Pokud u\u00a0\u017e\u00e1dosti o\u00a0\u00fav\u011br investi\u010dn\u00edho typu shledaj\u00ed soub\u011bh charakteristik s\u00a0vy\u0161\u0161\u00ed \u00farovn\u00ed rizikovosti, m\u011bly by uplat\u0148ovat LTV v\u00a0maxim\u00e1ln\u00ed v\u00fd\u0161i 60\u00a0%,\u201c<\/em> uv\u00e1d\u00ed Zpr\u00e1va. Pokud tedy \u010dlov\u011bk p\u0159izn\u00e1, \u017ee chce byt na pron\u00e1jem a nikoli pro vlastn\u00ed bydlen\u00ed, dostane ni\u017e\u0161\u00ed a dra\u017e\u0161\u00ed \u00fav\u011br. Kdy\u017e to nep\u0159izn\u00e1, m\u016f\u017ee se dopustit pro zm\u011bnu <span style=\"color: #000000;\"><a style=\"color: #000000;\" title=\"\u017d\u00e1d\u00e1te o \u00fav\u011br? Bance p\u0159iznejte v\u0161e!\" href=\"http:\/\/www.hypoindex.cz\/zadate-o-uver-bance-priznejte-vse\/\">\u00fav\u011brov\u00e9ho podvodu<\/a>.<\/span><\/p>\n<h4>Pro\u010d zp\u0159\u00eds\u0148ov\u00e1n\u00ed?<\/h4>\n<p>\u010cesk\u00e1 n\u00e1rodn\u00ed banka se boj\u00ed p\u0159\u00edli\u0161n\u00e9ho \u00fav\u011brov\u00e9ho boomu. Pokud by vzrostly \u00farokov\u00e9 sazby a sn\u00ed\u017eily se p\u0159\u00edjmy dom\u00e1cnost\u00ed, mohly by se hypote\u010dn\u00ed klienti dostat do finan\u010dn\u00edch pot\u00ed\u017e\u00ed, kter\u00e9 by ohrozily i\u00a0stabilitu ekonomiky. M\u00e1 to ale n\u011bkolik h\u00e1\u010dk\u016f: V\u00a0prv\u00e9 \u0159ad\u011b zadlu\u017eenost \u010desk\u00fdch dom\u00e1cnost\u00ed se ani v\u00a0relativn\u00edch standardech neodchyluje od zadlu\u017een\u00ed dom\u00e1cnost\u00ed v\u00a0z\u00e1padn\u00ed Evrop\u011b. A\u00a0v\u00a0druh\u00e9 \u0159ad\u011b by k\u00a0vysok\u00e9mu n\u00e1r\u016fstu \u00farokov\u00fdch sazeb i\u00a0ke sn\u00ed\u017een\u00ed p\u0159\u00edjm\u016f muselo doj\u00edt na z\u00e1klad\u011b \u0161oku z\u00a0okoln\u00edch zem\u00ed, proto\u017ee ani jedno \u010cNB nepl\u00e1nuje.<\/p>\n<p><em>\u201eSc\u00e9n\u00e1\u0159 v\u00fdrazn\u011bj\u0161\u00edho n\u00e1r\u016fstu sazeb, kter\u00fd by mohl negativn\u011b ovlivnit schopnost dlu\u017en\u00edk\u016f spl\u00e1cet jejich z\u00e1vazky, by tak byl sp\u00ed\u0161e d\u016fsledkem nep\u0159\u00edzniv\u00e9ho vn\u011bj\u0161\u00edho \u0161oku ne\u017e dom\u00e1c\u00edho v\u00fdvoje. Obdobn\u011b, pokud uva\u017eujeme n\u00e1r\u016fst nezam\u011bstnanosti spojen\u00fd s\u00a0poklesem \u010dist\u00fdch p\u0159\u00edjm\u016f dom\u00e1cnost\u00ed, jednalo by se s\u00a0nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed o\u00a0reakci na nep\u0159\u00edzniv\u00fd v\u00fdvoj v\u00a0zem\u00edch hlavn\u00edch obchodn\u00edch partner\u016f \u010cR,\u201c<\/em> potvrzuje \u010cNB ve Zpr\u00e1v\u011b.<\/p>\n<p>Nav\u00edc podle z\u00e1t\u011b\u017eov\u00fdch test\u016f by dom\u00e1cnosti ani p\u0159i nepravd\u011bpodobn\u00e9m sc\u00e9n\u00e1\u0159i nebyly jako celek ohro\u017eeny.<em>\u201eUva\u017eujeme-li nap\u0159\u00edklad velmi nep\u0159\u00edzniv\u00fd sc\u00e9n\u00e1\u0159 v\u00fdrazn\u00e9ho poklesu ekonomick\u00e9 aktivity, kdy z\u00a0d\u016fvodu n\u00e1r\u016fstu nezam\u011bstnanosti dojde na horizontu 5\u00a0let k\u00a0pr\u016fm\u011brn\u00e9mu poklesu p\u0159\u00edjm\u016f o\u00a020\u00a0% (konzistentn\u00ed s\u00a0ka\u017edoro\u010dn\u00edm poklesem o\u00a0cca 4,5\u00a0%), musely by se sazby z\u00a0hypote\u010dn\u00edch \u00fav\u011br\u016f zv\u00fd\u0161it o\u00a0cca 11\u00a0p.b., aby se medi\u00e1n DSTI\u00a0dlu\u017en\u00edk\u016f dostal na \u00farove\u0148 40\u00a0%. Takov\u00fdto sc\u00e9n\u00e1\u0159 je v\u0161ak velmi nepravd\u011bpodobn\u00fd, co\u017e ilustruje sou\u010dasnou odolnost \u010desk\u00fdch dom\u00e1cnost\u00ed s\u00a0hypote\u010dn\u00edm \u00fav\u011brem na p\u0159\u00edjmov\u00fd i\u00a0\u00farokov\u00fd \u0161ok,\u201c<\/em> ud\u00e1v\u00e1 sama \u010cNB s\u00a0t\u00edm, \u017ee data nezahrnuj\u00ed leto\u0161n\u00ed hypot\u00e9ky, kter\u00e9 mohou b\u00fdt rizikov\u011bj\u0161\u00ed.<\/p>\n<p>Z\u00a0tohoto pohledu se zp\u0159\u00eds\u0148ov\u00e1n\u00ed podm\u00ednek poskytov\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f zd\u00e1 b\u00fdt sp\u00ed\u0161e preventivn\u00edm opat\u0159en\u00edm, kter\u00e9 m\u00e1 chr\u00e1nit lidi p\u0159ed sebou sam\u00fdmi. <span style=\"color: #000000;\">To v\u00a0<a style=\"color: #000000;\" title=\"\u010cNB zak\u00e1\u017ee stoprocentn\u00ed hypot\u00e9ky, ob\u00e1v\u00e1 se cenov\u00e9 bubliny\" href=\"http:\/\/www.hypoindex.cz\/cnb-zakaze-stoprocentni-hypoteky-obava-se-cenove-bubliny\/\">kontextu r\u016fstu cen \u00a0nemovitost\u00ed<\/a> potvrzuje Jakub Seidler, hlavn\u00ed ekonom pro \u010cR ING Bank: <\/span><em><span style=\"color: #000000;\">\u201e\u010cNB ta<\/span>k v\u00a0t\u00e9to oblasti reaguje do jist\u00e9 m\u00edry preventivn\u011b, uveden\u00fd v\u00fdvoj jde v\u0161ak \u010d\u00e1ste\u010dn\u011b i\u00a0na vrub jej\u00ed velmi uvoln\u011bn\u00e9 m\u011bnov\u00e9 politice.\u201c<\/em><\/p>\n<p><em>\u201eRozhodnut\u00ed vz\u00edt si hypot\u00e9ku by m\u011blo b\u00fdt pouze na dan\u00e9m \u010dlov\u011bku a jeho bance. Ta m\u00e1 dostatek mo\u017enost\u00ed jak posoudit jeho schopnost spl\u00e1cet. Sv\u00e9pr\u00e1vn\u00e9mu \u010dlov\u011bku st\u00e1t v\u00a0takov\u00fdchto z\u00e1le\u017eitostech radit nemus\u00ed a ani nem\u00e1,\u201c<\/em><span style=\"color: #000000;\"> <a style=\"color: #000000;\" title=\"Z\u00e1kaz stoprocentn\u00edch hypot\u00e9k m\u016f\u017ee br\u00e1nit p\u0159edlu\u017een\u00ed, nem\u011bl by ho ale na\u0159izovat st\u00e1t\" href=\"http:\/\/www.hypoindex.cz\/zakaz-stoprocentnich-hypotek-muze-branit-predluzeni-nemel-by-ho-ale-narizovat-stat\/\">doplnil k\u00a0opat\u0159en\u00ed \u010cNB Ev\u017een Korec<\/a>, gener\u00e1ln\u00ed \u0159editel a p\u0159edseda p\u0159edstavenstva Ekospol.<\/span><\/p>\n<h5><strong><span style=\"color: #ff0000;\">Sazby hypot\u00e9k v\u00a0\u010cesku poprv\u00e9 v\u00a0historii pod dv\u011bma procenty<\/span><\/strong><\/h5>\n<p>22.4. 2016<\/p>\n<p>Pr\u016fm\u011brn\u00e1 \u00farokov\u00e1 sazba hypot\u00e9k v\u00a0\u010cesku poprv\u00e9 v\u00a0historii p\u0159ekonala hranici dvou procent. Proti \u00fanoru se sn\u00ed\u017eila o\u00a0p\u011bt setin procentn\u00edho bodu a\u00a0zastavila se na hodnot\u011b 1,97 procenta. Vypl\u00fdv\u00e1 to z\u00a0\u00fadaj\u016f Fincentra Hypoindex, kter\u00fd od roku 2003 sleduje pr\u016fm\u011brnou \u00farokovou sazbu hypot\u00e9k bez ohledu na dobu fixace.<\/p>\n<p><a href=\"http:\/\/www.evajarosova.cz\/wp-content\/uploads\/2016\/01\/fin.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-366\" src=\"http:\/\/www.evajarosova.cz\/wp-content\/uploads\/2016\/01\/fin-300x169.jpg\" alt=\"fin\" width=\"383\" height=\"216\" srcset=\"https:\/\/www.evajarosova.cz\/wp-content\/uploads\/2016\/01\/fin-300x169.jpg 300w, https:\/\/www.evajarosova.cz\/wp-content\/uploads\/2016\/01\/fin.jpg 600w\" sizes=\"auto, (max-width: 383px) 100vw, 383px\" \/><\/a><\/p>\n<p>\u201eS p\u0159\u00edchodem jara se banky pustily do dal\u0161\u00edho kola sni\u017eov\u00e1n\u00ed sazeb a\u00a0v\u00fdsledkem je pokles pr\u016fm\u011brn\u00fdch sazeb Hypoindexu pod dv\u011b procenta. Sou\u010dasn\u00e9 minimum v\u0161ak nevydr\u017e\u00ed dlouho. Pokud dnes n\u011bkdo s\u00a0dostate\u010dn\u00fdmi p\u0159\u00edjmy s\u00a0po\u017eadavkem na hypot\u00e9ku do 85 procent hodnoty nemovitosti i\u00a0na del\u0161\u00ed fixace nedostane sazbu pod 1,9 procenta, pak je ve \u0161patn\u00e9 bance.<\/p>\n<p><strong>Bude leto\u0161n\u00ed rok rekordn\u00ed?<\/strong><\/p>\n<p>\u010ce\u0161i si na bydlen\u00ed p\u016fj\u010duj\u00ed st\u00e1le v\u00edc. Jen za prvn\u00ed \u010dtvrtlet\u00ed leto\u0161n\u00edho roku si sjednali celkem 23\u00a0369 hypote\u010dn\u00edch \u00fav\u011br\u016f v\u00a0objemu 45,17 miliard korun. Ve srovnateln\u00e9m obdob\u00ed lo\u0148sk\u00e9ho roku\u00a0 bylo uzav\u0159eno 22\u00a0141 smluv v\u00a0objemu 38,49 miliard korun. Pr\u016fm\u011brn\u00e1 v\u00fd\u0161e hypot\u00e9ky se v\u00a0b\u0159eznu op\u011bt p\u0159ehoupla p\u0159es 1,9 mili\u00f3nu korun.<\/p>\n<p>Z dostupn\u00fdch dat to zat\u00edm vypad\u00e1, \u017ee leto\u0161n\u00ed rok m\u016f\u017ee b\u00fdt co do objemu rekordn\u00ed. V\u00a0 roce 2015 bylo sjedn\u00e1no celkem 104\u00a0639 hypote\u010dn\u00edch \u00fav\u011br\u016f v\u00a0objemu 190,42 miliard korun.<\/p>\n<p>\u201eLo\u0148sk\u00fd rok byl co do objemu nov\u00fdch hypot\u00e9k rekordn\u00ed a\u00a0d\u00e1 se o\u010dek\u00e1vat, \u017ee ten leto\u0161n\u00ed ho je\u0161t\u011b p\u0159ekon\u00e1,\u201c doplnil Ond\u0159ej H\u00e1k z\u00a0Equa bank, kde o\u010dek\u00e1vaj\u00ed p\u0159ekon\u00e1n\u00ed hranice 200 miliard korun.<\/p>\n<p>Banky maj\u00ed podle expert\u016f st\u00e1le z\u00e1soby pen\u011bz na p\u016fj\u010dov\u00e1n\u00ed hypot\u00e9k, proto mohou d\u00e1l dr\u017eet n\u00edzk\u00e9 sazby. Do karet jim hraj\u00ed i\u00a0rekordn\u011b n\u00edzk\u00e9 sazby \u010cNB, d\u00edky \u010demu\u017e maj\u00ed k\u00a0dispozici levn\u00e9 zdroje a\u00a0mohou j\u00edt do v\u011bt\u0161\u00edho rizika. V\u00a0neposledn\u00ed \u0159ad\u011b dr\u017e\u00ed sazby dole velk\u00e1 konkurence a\u00a0slevov\u00e9 akce bank.<\/p>\n<p>Loni v\u00a0l\u00e9t\u011b za\u010daly hypot\u00e9ky v\u00a0\u010cesku m\u00edrn\u011b zdra\u017eovat, od \u0159\u00edjna u\u017e ale zase postupn\u011b zlev\u0148uj\u00ed. V\u00a0n\u011bkter\u00fdch bank\u00e1ch je tak u\u017e t\u00e9m\u011b\u0159 rok mo\u017en\u00e9 se se sazbou dostat, i\u00a0bez podm\u00ednky uzav\u0159en\u00ed \u00fav\u011brov\u00e9ho poji\u0161t\u011bn\u00ed, pod 2\u00a0procenta u\u00a0t\u0159\u00edlet\u00fdch a\u00a0ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f i\u00a0u\u00a0p\u011btilet\u00fdch fixac\u00ed.<\/p>\n<p><strong>V domku cht\u011bj\u00ed bydlet a\u017e dv\u011b t\u0159etiny lid\u00ed<\/strong><\/p>\n<p>Z aktu\u00e1ln\u00edho pr\u016fzkumu Equa bank vypl\u00fdv\u00e1, \u017ee a\u017e t\u0159etina \u010cech\u016f pl\u00e1nuje nejpozd\u011bji do dvou let zm\u011bnu bydlen\u00ed. Ide\u00e1ln\u00edm bydlen\u00edm pro v\u011bt\u0161inu respondent\u016f (64 procent) je p\u0159itom rodinn\u00fd d\u016fm o\u00a0t\u0159ech (36 procent) \u010di \u010dty\u0159ech (27 procent) m\u00edstnostech.<\/p>\n<p>Tuzemsk\u00e9 banky s\u00e1zej\u00ed tak\u00e9 na to, \u017ee zhruba 28 procent lid\u00ed v\u00a0\u010cR bydl\u00ed v\u00a0pron\u00e1jmu, p\u0159i\u010dem\u017e v\u00a0pr\u016fm\u011bru za n\u011bj plat\u00ed p\u0159es sedm tis\u00edc korun (bez energi\u00ed a\u00a0dal\u0161\u00edch poplatk\u016f). Pokud by se tito lid\u00e9 rozhodli koupit bydlen\u00ed na hypot\u00e9ku, vy\u0161lo by je to v\u00a0\u0159ad\u011b p\u0159\u00edpad\u016f mnohem levn\u011bji.<\/p>\n<h5><span style=\"color: #ff0000;\">Hypot\u00e9ky z\u016fstanou i v roce 2016 rekordn\u011b levn\u00e9<\/span><\/h5>\n<div class=\"obsah_img\"><\/div>\n<div class=\"lista\">\n<div class=\"lista_datum\">9. 3. 2016<\/div>\n<\/div>\n<div class=\"perex\">\n<p>Hypot\u00e9ky z\u016fstanou i v roce 2016 velmi levn\u00e9. \u00daroky r\u016fst nebudou, ale z\u016fstanou sp\u00ed\u0161e na sou\u010dasn\u00fdch ji\u017e velmi n\u00edzk\u00fdch \u00farovn\u00edch. Nen\u00ed tak t\u0159eba urychlovat po\u0159\u00edzen\u00ed nemovitosti z d\u016fvodu hrozby r\u016fstu hypote\u010dn\u00edch \u00farokov\u00fdch sazeb.<\/p>\n<\/div>\n<div class=\"obsah_popis\">\n<div class=\"obsah_clanek\">\n<p>Uva\u017eujete o hypot\u00e9ce, kter\u00e1 v\u00e1m pom\u016f\u017ee zajistit vysn\u011bn\u00e9 nov\u00e9 bydlen\u00ed a domov? Pak ur\u010dit\u011b nemus\u00edte sp\u011bchat a sv\u00e9 rozhodnut\u00ed urychlovat. Naopak \u00farokov\u00e9 sazby u hypote\u010dn\u00edch \u00fav\u011br\u016f budou po cel\u00fd rok stagnovat kolem sou\u010dasn\u00fdch, rekordn\u011b n\u00edzk\u00fdch \u00farovn\u00ed.<\/p>\n<p>Je tedy moud\u0159ej\u0161\u00ed si u\u0161et\u0159it co nejv\u011bt\u0161\u00ed mno\u017estv\u00ed prost\u0159edk\u016f pro spolu\u00fa\u010dast, abyste si brali co nejni\u017e\u0161\u00ed \u00fav\u011br a t\u00edm si i zajistili v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky hypote\u010dn\u00edho \u00fav\u011bru. Plat\u00ed, \u017ee \u010d\u00edm vy\u0161\u0161\u00ed spolu\u00fa\u010dast a \u010d\u00edm ni\u017e\u0161\u00ed pod\u00edl \u00fav\u011bru na hodnot\u011b nemovitosti, t\u00edm ni\u017e\u0161\u00ed \u00faroky a lep\u0161\u00ed podm\u00ednky hypot\u00e9ky. Rizikem pak je po\u0159izovat si hypote\u010dn\u00ed \u00fav\u011br v rozsahu 100 procent hodnoty po\u0159izovan\u00e9 nemovitosti. V takov\u00e9m p\u0159\u00edpad\u011b toti\u017e nen\u00ed vytvo\u0159en \u017e\u00e1dn\u00fd pol\u0161t\u00e1\u0159 ani rezerva, kter\u00e1 by kupuj\u00edc\u00edho chr\u00e1nila p\u0159ed v\u00fdkyvy na trhu, nebo p\u0159ed ztr\u00e1tou p\u0159\u00edjmu ze zam\u011bstn\u00e1n\u00ed \u010di podnik\u00e1n\u00ed.<\/p>\n<p>V\u00fdhodn\u00e9 hypote\u010dn\u00ed \u00fav\u011bry tak bude mo\u017en\u00e9 sjednat cel\u00fd rok. K uveden\u00e9 p\u0159edpov\u011bdi n\u00e1s vede mno\u017estv\u00ed argument\u016f a skute\u010dnost\u00ed, kter\u00e9 maj\u00ed a i v n\u00e1sleduj\u00edc\u00edm roce budou m\u00edt vliv na udr\u017een\u00ed n\u00edzk\u00fdch \u00farok\u016f u hypote\u010dn\u00edch \u00fav\u011br\u016f.<\/p>\n<p>&#8211;<span class=\"apple-converted-space\">\u00a0<\/span><strong>n\u00edzk\u00fd kurz koruny po cel\u00fd rok 2016<\/strong>. \u010cesk\u00e1 n\u00e1rodn\u00ed banka bude dle sv\u00fdch pl\u00e1n\u016f po cel\u00fd rok 2016 udr\u017eovat n\u00edzk\u00fd kurz koruny, kter\u00fd udr\u017e\u00ed vysok\u00fd objem hotovosti v ekonomice. \u010cNB se tak sna\u017e\u00ed o zv\u00fd\u0161en\u00ed inflace, kter\u00e1 je v sou\u010dasn\u00e9 dob\u011b na velmi n\u00edzk\u00fdch \u00farovn\u00edch<\/p>\n<p>&#8211;<span class=\"apple-converted-space\">\u00a0<\/span><strong>n\u00edzk\u00e9 \u00farokov\u00e9 sazby na mezibankovn\u00edm trhu<\/strong>. \u010cNB bude i v p\u0159\u00ed\u0161t\u00edm roce udr\u017eovat n\u00edzk\u00e9 \u00farokov\u00e9 sazby, kter\u00e9 se bl\u00ed\u017e\u00ed nule. Banky tak nebudou st\u00e1t o \u00faspory a hotovost, ale budou se naopak sna\u017eit uplatnit maximum hotovosti na trhu. Pr\u00e1v\u011b hypote\u010dn\u00ed \u00fav\u011bry jsou i p\u0159es n\u00edzk\u00e9 \u00farokov\u00e9 sazby velmi lukrativn\u00edm produktem.<\/p>\n<p>&#8211;<span class=\"apple-converted-space\">\u00a0<\/span><strong>vliv na n\u00edzk\u00e9 \u00farokov\u00e9 sazby m\u00e1 i Evropsk\u00e1 centr\u00e1ln\u00ed banka,<\/strong><span class=\"apple-converted-space\">\u00a0<\/span>kter\u00e1 ve snaze zrychlit ekonomick\u00fd r\u016fst a zv\u00fd\u0161it inflaci pumpuje do ekonomik EU finan\u010dn\u00ed prost\u0159edky. N\u011bkter\u00e9 finan\u010dn\u00ed produkty, jako nap\u0159\u00edklad n\u011bkter\u00e9 dluhopisy se u\u017e dokonce prod\u00e1vaj\u00ed se z\u00e1pornou \u00farokovou sazbou. To znamen\u00e1, \u017ee vydavatel dluhopisu z\u00edsk\u00e1 prost\u0159edky a je\u0161t\u011b za to z\u00edsk\u00e1 m\u00edrnou \u00farokovou sazbou. Zjednodu\u0161en\u011b \u0159e\u010deno v\u00e1m n\u011bkdo plat\u00ed za to, \u017ee jste si p\u016fj\u010dil.<\/p>\n<p>&#8211;<span class=\"apple-converted-space\">\u00a0<\/span><strong>tvrd\u00fd konkuren\u010dn\u00ed boj mezi bankami<\/strong><span class=\"apple-converted-space\">\u00a0<\/span>na trhu hypot\u00e9k. \u010cesk\u00fd bankovn\u00ed trh je vysoce konkuren\u010dn\u00ed. Nekonkuruj\u00ed si zde jen nejv\u011bt\u0161\u00ed banky, ale do trhu siln\u011b zasahuj\u00ed i banky men\u0161\u00ed, n\u00edzkon\u00e1kladov\u00e9, kter\u00e9 maj\u00ed vysok\u00fd potenci\u00e1l r\u016fstu. I velk\u00e1 konkurence na trhu hypot\u00e9k tak bude br\u00e1nit n\u00e1r\u016fstu \u00farok\u016f u hypote\u010dn\u00edch \u00fav\u011br\u016f.<\/p>\n<p>V\u0161echny tyto vliv budou m\u00edt vliv na udr\u017een\u00ed n\u00edzk\u00fdch \u00farokov\u00fdch sazeb u hypot\u00e9k. Udr\u017een\u00ed ceny hypot\u00e9k podpo\u0159\u00ed i relativn\u011b stabiln\u00ed ceny nemovitost\u00ed, kter\u00e9 se zvy\u0161uj\u00ed jen velmi pomalu a st\u00e1le maj\u00ed daleko k hypote\u010dn\u00edm cenov\u00fdm bublin\u00e1m, kter\u00e9 splaskly po hypote\u010dn\u00ed krizi v roce 2008.<\/p>\n<\/div>\n<\/div>\n<h5><\/h5>\n<h5><span style=\"color: #ff0000;\"><strong>Hypote\u010dn\u00ed trh se p\u0159ipravuje na zm\u011bnu. Vzrostou \u00farokov\u00e9 sazby?<\/strong><\/span><\/h5>\n<p>08.01.2016<\/p>\n<p><a href=\"http:\/\/www.evajarosova.cz\/wp-content\/uploads\/2016\/01\/procenta-graf-400.jpg\" rel=\"attachment wp-att-277\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-277\" src=\"http:\/\/www.evajarosova.cz\/wp-content\/uploads\/2016\/01\/procenta-graf-400-300x201.jpg\" alt=\"procenta-graf-400\" width=\"300\" height=\"201\" srcset=\"https:\/\/www.evajarosova.cz\/wp-content\/uploads\/2016\/01\/procenta-graf-400-300x201.jpg 300w, https:\/\/www.evajarosova.cz\/wp-content\/uploads\/2016\/01\/procenta-graf-400.jpg 400w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<p><strong>P\u0159\u00edpravy na nov\u00fd z\u00e1kon o\u00a0\u00fav\u011bru pro spot\u0159ebitele jsou v\u00a0pln\u00e9m proudu na v\u0161ech front\u00e1ch. P\u0159esn\u00e1 podoba zat\u00edm sice nen\u00ed zn\u00e1ma, banky ale p\u0159\u00edpravy rozhodn\u011b nepodce\u0148uj\u00ed. Zeptali jsme se bank, jak\u00e9 vliv mohou m\u00edt zm\u011bny na \u00farokov\u00e9\u00a0sazby.<\/strong><\/p>\n<p>Nov\u00fd z\u00e1kon o\u00a0\u00fav\u011bru pro spot\u0159ebitele se bl\u00ed\u017e\u00ed do c\u00edlov\u00e9 rovinky. Podle evropsk\u00e9 sm\u011brnice by m\u011bl nab\u00fdt \u00fa\u010dinnosti do konce b\u0159ezna 2016.\u00a0V\u00a0sou\u010dasn\u00e9 dob\u011b \u010dek\u00e1 na schv\u00e1len\u00ed v\u00a0parlamentu. Spot\u0159ebitel\u00e9 se u\u017e p\u0159edem raduj\u00ed, \u017ee budou v\u00edce chr\u00e1n\u011bni, \u00a0 a banky se p\u0159ipravuj\u00ed na v\u011bt\u0161\u00ed administrativn\u00ed i\u00a0finan\u010dn\u00ed z\u00e1t\u011b\u017e a mo\u017en\u00e9 zdra\u017een\u00ed hypote\u010dn\u00edch\u00a0\u00fav\u011br\u016f.<\/p>\n<p><strong>Dopady zm\u011bn na \u00farokov\u00e9 sazby<\/strong><\/p>\n<p>Jednou ze zm\u011bn, se kterou po\u010d\u00edt\u00e1\u00a0<a href=\"http:\/\/www.hypoindex.cz\/o-krok-blize-novemu-zakonu-o-uveru-pro-spotrebitele\/\">nov\u00fd z\u00e1kon o\u00a0\u00fav\u011bru pro spot\u0159ebitele<\/a>, je mo\u017enost zdarma jednou ro\u010dn\u011b mimo\u0159\u00e1dn\u011b splatit a\u017e p\u011btinu hypote\u010dn\u00edho \u00fav\u011bru. Z\u00e1rove\u0148 dojde ke sn\u00ed\u017een\u00ed smluvn\u00edch pokut a stanoven\u00ed jejich stropu. To je sice na prvn\u00ed pohled dobr\u00e1 zpr\u00e1va pro spot\u0159ebitele, kter\u00fdm odpadne dodate\u010dn\u00fd n\u00e1klad, na druhou stranu se mus\u00ed p\u0159ipravit na mo\u017en\u00e9 zv\u00fd\u0161en\u00ed \u00farokov\u00fdch\u00a0sazeb.<\/p>\n<p>V\u00a0sou\u010dasn\u00e9 dob\u011b v\u011bt\u0161ina bank za p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fa\u010dtuje poplatky, kter\u00e9 pokr\u00fdvaj\u00ed alespo\u0148 n\u00e1klady s\u00a0touto slu\u017ebou spojen\u00e9. \u010casto si ale \u00fa\u010dtuj\u00ed i\u00a0mnohem v\u00edce. V\u00a0r\u00e1mci kompenzace ztr\u00e1ty \u010d\u00e1sti v\u00fdnosu nen\u00ed tedy vylou\u010den\u00e9, \u017ee \u00farokov\u00e9 sazby porostou.<\/p>\n<p>N\u011bkter\u00e9 banky ji\u017e nyn\u00ed umo\u017e\u0148uj\u00ed\u00a0<a href=\"http:\/\/www.hypoindex.cz\/mimoradna-splatka-uveru-dulezite-je-nacasovani-jinak-se-prodrazi\/\">zdarma mimo\u0159\u00e1dn\u011b splatit a\u017e 20\u00a0procent hypote\u010dn\u00edho \u00fav\u011bru<\/a>.<em>\u00a0\u201eNov\u00fd z\u00e1kon pro n\u00e1s v\u00a0tomto sm\u011bru nep\u0159edstavuje \u017e\u00e1dnou velkou zm\u011bnu. Zm\u011bny \u00farokov\u00fdch sazeb hypot\u00e9k tedy nyn\u00ed nechyst\u00e1me,\u201c<\/em>\u00a0\u0159\u00edk\u00e1 Zden\u011bk Kov\u00e1\u0159 z\u00a0Fio\u00a0banky.<\/p>\n<p>U\u00a0jin\u00fdch bank je cenou za tuto slu\u017ebu pr\u00e1v\u011b vy\u0161\u0161\u00ed \u00farokov\u00e1 sazba.<em>\u00a0\u201eV\u00a0nab\u00eddce m\u00e1me hypot\u00e9ky s\u00a0m\u00edrn\u011b vy\u0161\u0161\u00ed \u00farokovou sazbou, kter\u00e9 klienti mohou kdykoli p\u0159ed\u010dasn\u011b splatit, ji\u017e n\u011bkolik let,\u201c<\/em>\u00a0\u0159\u00edk\u00e1 Petr Plocek z\u00a0UniCredit Bank, a dod\u00e1v\u00e1:<em>\u00a0\u201eCo se t\u00fdk\u00e1 ostatn\u00edch zm\u011bn, analyzujeme dopady. Nezn\u00e1me fin\u00e1ln\u00ed zn\u011bn\u00ed z\u00e1kona, n\u011bkter\u00e9 politick\u00e9 strany signalizuj\u00ed, \u017ee v\u00a0t\u00e9to oblasti cht\u011bj\u00ed je\u0161t\u011b v\u011bt\u0161\u00ed regulaci. Fin\u00e1ln\u00ed rozhodnut\u00ed m\u016f\u017ee banka p\u0159ijmout a\u017e po schv\u00e1len\u00ed z\u00e1kona. V\u00a0tuto chv\u00edli to sp\u00ed\u0161e vypad\u00e1 na\u00a0<a href=\"http:\/\/www.hypoindex.cz\/aktualni-urokove-sazby-zdrazila-vase-banka-hypoteky\/\">m\u00edrn\u00e9 zv\u00fd\u0161en\u00ed \u00farokov\u00fdch sazeb<\/a>, nebo\u0165 bank\u00e1m tato regulace p\u0159in\u00e1\u0161\u00ed vy\u0161\u0161\u00ed n\u00e1klady nap\u0159. na refinancov\u00e1n\u00ed.\u201c<\/em><\/p>\n<p>R\u016fst \u00farokov\u00fdch sazeb o\u010dek\u00e1v\u00e1 i\u00a0Tom\u00e1\u0161 Zavoral z\u00a0Raiffeisenbank:\u00a0<em>\u201eObecn\u011b \u0159e\u010deno, nov\u00fd z\u00e1kon d\u00e1v\u00e1 poskytovatel\u016fm \u00fav\u011br\u016f spoustu nov\u00fdch odpov\u011bdnost\u00ed a p\u0159en\u00e1\u0161\u00ed na n\u011b spoustu pom\u011brn\u011b z\u00e1sadn\u00edch rizik (jako nap\u0159. mo\u017enost p\u0159ed\u010dasn\u00e9ho splacen\u00ed). Tato rizika bude nutn\u00e9 do \u00farokov\u00fdch sazeb prom\u00edtnout. Lze tedy o\u010dek\u00e1vat, \u017ee \u00farokov\u00e9 sazby hypot\u00e9k plo\u0161n\u011b vzrostou.\u201c<\/em><\/p>\n<p>Lucie Policarov\u00e1 z\u00a0GE Money Bank p\u0159edpokl\u00e1d\u00e1, \u017ee p\u0159ipravovan\u00e9 \u00fapravy v\u00fdrazn\u011b ovlivn\u00ed cel\u00fd hypote\u010dn\u00ed trh, o\u00a0hladin\u011b \u00farokov\u00fdch sazeb ale zat\u00edm spekulovat nechce:<em>\u00a0\u201eNicm\u00e9n\u011b v\u00a0\u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b nelze vzestup \u00farokov\u00fdch sazeb z\u00a0tohoto d\u016fvodu na trhu vylou\u010dit.\u201c<\/em><\/p>\n<p><strong>Kdy\u017e n\u00e1r\u016fst, tak o\u00a0kolik<\/strong><\/p>\n<p>Dopadov\u00e1 studie legislativn\u00ed rady vl\u00e1dy \u010cR hovo\u0159\u00ed o\u00a0mo\u017en\u00e9m n\u00e1r\u016fstu \u00farokov\u00fdch sazeb o\u00a0p\u011bt bazick\u00fdch bod\u016f (0,05\u00a0procentn\u00edho bodu p.a.). \u0158editel \u00fav\u011brov\u00fdch produkt\u016f Equa bank Ond\u0159ej H\u00e1k se domn\u00edv\u00e1, \u017ee opat\u0159en\u00ed mohou \u00farokov\u00e9 sazby zv\u00fd\u0161it mnohem v\u00fdrazn\u011bji:\u00a0<em>\u201eZ\u00a0na\u0161eho pohledu to m\u016f\u017ee b\u00fdt\u00a0 i\u00a0v\u00edce\u00a0\u2013 odhadujeme horn\u00ed strop vlivu a\u017e 50\u00a0bp (0,5\u00a0procentn\u00edho bodu p.a.).\u201c<\/em><\/p>\n<p><strong>S\u00edla konkuren\u010dn\u00edho boje<\/strong><\/p>\n<p>Vzhledem k\u00a0velmi konkuren\u010dn\u00edmu prost\u0159ed\u00ed na hypote\u010dn\u00edm poli ale k\u00a0nav\u00fd\u0161en\u00ed \u00farokov\u00fdch sazeb doj\u00edt nemus\u00ed. R\u016fst \u00farokov\u00fdch sazeb m\u016f\u017ee zm\u00edrnit, p\u0159\u00edpadn\u011b i\u00a0zastavit konkure\u010dn\u00ed boj.\u00a0<em>\u201eN\u011bkter\u00e1 ustanoven\u00ed, kter\u00e1 nov\u00fd z\u00e1kon p\u0159in\u00e1\u0161\u00ed, p\u0159edstavuj\u00ed pro\u00a0<a href=\"http:\/\/www.hypoindex.cz\/cnb-osekala-hypoteky-zhorsi-se-dostupnost-bydleni\/\">poskytovatele hypote\u010dn\u00edch \u00fav\u011br\u016f<\/a>\u00a0omezen\u00ed ohledn\u011b mo\u017enosti pokryt\u00ed n\u00e1klad\u016f spojen\u00fdch s\u00a0poskytnut\u00fdm \u00fav\u011brem. Nelze v\u0161ak jednozna\u010dn\u011b \u0159\u00edci, zda se tyto n\u00e1klady p\u0159enesou do \u00farokov\u00fdch sazeb, nebo\u0165 hypote\u010dn\u00ed trh je vysoce konkuren\u010dn\u00ed. Nicm\u00e9n\u011b banky budou zcela p\u0159irozen\u011b hledat mo\u017enosti, jak tyto n\u00e1klady pokr\u00fdt jin\u00fdm zp\u016fsobem,\u201c<\/em>\u00a0m\u00edn\u00ed Michal Teubner z\u00a0Komer\u010dn\u00ed\u00a0banky.<\/p>\n<p>Na r\u016fstu n\u00e1klad\u016f se vesm\u011bs shoduj\u00ed v\u0161echny banky. Podle \u0159editele odboru rizik Hypote\u010dn\u00ed banky Vladim\u00edra Vojt\u00ed\u0161ka budou skute\u010dn\u00e9 dopady zm\u011bn z\u00e1viset na trhu:<em>\u00a0\u201eR\u016fzn\u00e9 \u010d\u00e1sti nov\u00e9ho z\u00e1konu o\u00a0\u00fav\u011brech pro spot\u0159ebitele maj\u00ed cenotvorn\u00e9 dopady. Mo\u017enost mimo\u0159\u00e1dn\u00e9 spl\u00e1tky jednou ro\u010dn\u011b ve v\u00fd\u0161i 20\u00a0% jistiny \u00fav\u011bru je zcela jist\u011b cenotvorn\u00fdm parametrem, proto\u017ee zde je re\u00e1ln\u00fd dopad do financov\u00e1n\u00ed hypote\u010dn\u00edch obchod\u016f. Skute\u010dnou v\u00fd\u0161i\u00a0\u2013 a zda v\u016fbec k\u00a0nav\u00fd\u0161en\u00ed sazby dojde\u00a0\u2013 ur\u010d\u00ed a\u017e\u00a0trh.\u201c<\/em><\/p>\n<h5><\/h5>\n<div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u0160est stra\u0161\u00e1k\u016f, kter\u00e9 \u010dlov\u011bka odrazuj\u00ed od investov\u00e1n\u00ed 20.9. 2024 D\u016fvod\u016f, pro\u010d by \u010dlov\u011bk nem\u011bl sv\u00e9 nadbyte\u010dn\u00e9 prost\u0159edky investovat, je mnoho a\u00a0p\u0159ich\u00e1zej\u00ed s\u00a0nimi ve velk\u00e9 m\u00ed\u0159e [&#8230;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":5,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-272","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.evajarosova.cz\/index.php\/wp-json\/wp\/v2\/pages\/272","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.evajarosova.cz\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.evajarosova.cz\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.evajarosova.cz\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.evajarosova.cz\/index.php\/wp-json\/wp\/v2\/comments?post=272"}],"version-history":[{"count":26,"href":"https:\/\/www.evajarosova.cz\/index.php\/wp-json\/wp\/v2\/pages\/272\/revisions"}],"predecessor-version":[{"id":15072,"href":"https:\/\/www.evajarosova.cz\/index.php\/wp-json\/wp\/v2\/pages\/272\/revisions\/15072"}],"wp:attachment":[{"href":"https:\/\/www.evajarosova.cz\/index.php\/wp-json\/wp\/v2\/media?parent=272"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}