[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/doporuceni-se-muze-zmenit-v-zakon\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/doporuceni-se-muze-zmenit-v-zakon\/","headline":"Doporu\u010den\u00ed se m\u016f\u017ee zm\u011bnit v z\u00e1kon!","name":"Doporu\u010den\u00ed se m\u016f\u017ee zm\u011bnit v z\u00e1kon!","description":"V tuto chv\u00edli se \u010cesk\u00e1 n\u00e1rodn\u00ed banka op\u011bt sna\u017e\u00ed zajistit r\u016fst \u00farokov\u00fdch sazeb a omezit tak mo\u017enost oby\u010dejn\u00fdch pracuj\u00edc\u00edch lid\u00ed dos\u00e1hnout na hypot\u00e9ku a zajistit si tak sv\u016fj sen, tedy vlastn\u00ed bydlen\u00ed. Krom\u011b toho, \u017ee \u010cesk\u00e1 n\u00e1rodn\u00ed banka v tuto chv\u00edli doporu\u010duje bank\u00e1m, aby neposkytovaly hypot\u00e9ky stoprocentn\u00ed, proto\u017ee by dle n\u00ed m\u011bli m\u00edt lid\u00e9 alespo\u0148 &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/doporuceni-se-muze-zmenit-v-zakon\/\"> <span class=\"screen-reader-text\">Doporu\u010den\u00ed se m\u016f\u017ee zm\u011bnit v z\u00e1kon!<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2017-04-29","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a288294_w1991_t1498742274.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a288294_w1991_t1498742274.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/doporuceni-se-muze-zmenit-v-zakon\/","about":["Hypot\u00e9ky"],"wordCount":460,"articleBody":"\tV tuto chv\u00edli se \u010cesk\u00e1 n\u00e1rodn\u00ed banka op\u011bt sna\u017e\u00ed zajistit r\u016fst \u00farokov\u00fdch sazeb a omezit tak mo\u017enost oby\u010dejn\u00fdch pracuj\u00edc\u00edch lid\u00ed dos\u00e1hnout na hypot\u00e9ku a zajistit si tak sv\u016fj sen, tedy vlastn\u00ed bydlen\u00ed.\tKrom\u011b toho, \u017ee \u010cesk\u00e1 n\u00e1rodn\u00ed banka v tuto chv\u00edli doporu\u010duje bank\u00e1m, aby neposkytovaly hypot\u00e9ky stoprocentn\u00ed, proto\u017ee by dle n\u00ed m\u011bli m\u00edt lid\u00e9 alespo\u0148 jednu p\u011btinu ceny nemovitosti naspo\u0159enou, omezuje tak\u00e9 banky, proto\u017ee ty sm\u00ed poskytnout pouze 15% nov\u00fdch \u00fav\u011br\u016f na devades\u00e1ti procentn\u00ed hypot\u00e9ky.\t\u010cesk\u00e1 n\u00e1rodn\u00ed banka tyto po\u017eadavky chce prosadit v r\u00e1mci novely z\u00e1kona o \u010cesk\u00e9 n\u00e1rodn\u00ed banky. Ji\u017e je v\u0161ak ve h\u0159e pozm\u011b\u0148ovac\u00ed n\u00e1vrh \u0161\u00e9fa v\u00fdboru sn\u011bmovny, kter\u00fd by mohl tuto novelu zm\u011bnit a zm\u00edrnit tak dopady na ve\u0159ejnost.\t\t&nbsp;\t\u010cesk\u00e1 n\u00e1rodn\u00ed banka reguluje!&nbsp;\u010cesk\u00e1 n\u00e1rodn\u00ed banka chce vyu\u017e\u00edt t\u011bchto regulac\u00ed proto, \u017ee hypote\u010dn\u00ed \u00fav\u011bry dost\u00e1val moment\u00e1ln\u011b v podstat\u011b ka\u017ed\u00fd, kdo si o hypot\u00e9ku po\u017e\u00e1dal. V tuto chv\u00edli je v \u010cesk\u00e9 republice, dle dostupn\u00fdch zdroj\u016f, spl\u00e1cen na hypot\u00e9k\u00e1ch skoro bilion korun. Za leto\u0161n\u00ed obdob\u00ed si lid\u00e9 v na\u0161\u00ed republice p\u016fj\u010dili rekordn\u00edch 58 miliard. A \u010cesk\u00e1 n\u00e1rodn\u00ed banka ve sv\u00e9 starosti o ob\u010dany a jejich blaho vy\u0161la s t\u00edm, \u017ee by n\u011bkte\u0159\u00ed mohli m\u00edt v budoucnu starosti se spl\u00e1cen\u00edm. I p\u0159esto, \u017ee pod\u00edl \u00fav\u011bru v selh\u00e1n\u00ed na hypote\u010dn\u00edm trhu je maxim\u00e1ln\u011b 1,51%.&nbsp;Jak bylo uvedeno, v\u00fd\u0161e uveden\u00e9 informace jsou d\u016fvodem toho, \u017ee \u010cesk\u00e1 n\u00e1rodn\u00ed banka chce zav\u00e1d\u011bt p\u0159\u00edsn\u011bj\u0161\u00ed pravidla a chce je uplat\u0148ovat i na refinancov\u00e1n\u00ed hypot\u00e9ky. Na\u0161e centr\u00e1ln\u00ed banka chce, aby se na refinancovan\u00e9 \u00fav\u011bry nahl\u00ed\u017eelo jako na \u00fapln\u011b nov\u00e9 \u00fav\u011bry.Tyto zm\u011bny tak poc\u00edt\u00ed hlavn\u011b \u017eadatel\u00e9, kte\u0159\u00ed m\u011bli svoji p\u016fvodn\u00ed sazbu pom\u011brn\u011b n\u00edzkou a podm\u00ednky na \u00fav\u011brech v\u00fdhodn\u00e9. Stane se tedy to, \u017ee pokud budete n\u00e1hodou cht\u00edt p\u0159ej\u00edt za v\u00fdhodn\u011bj\u0161\u00edmi podm\u00ednkami, \u010demu\u017e se centr\u00e1ln\u00ed banka tak\u00e9 v podstat\u011b pokou\u0161\u00ed zabr\u00e1nit, budete muset op\u011bt dokl\u00e1dat hotovost ve v\u00fd\u0161i 10% nemovitosti a je\u0161t\u011b budete muset m\u00edt vy\u0161\u0161\u00ed p\u0159\u00edjmy, ne\u017e bylo doposud standardem.C\u00edlem tohoto tlaku \u010cesk\u00e9 n\u00e1rodn\u00ed banky je ve v\u00fdsledku sn\u00ed\u017een\u00ed cen nemovitost\u00ed.&nbsp;Jak se m\u016f\u017eeme do\u010d\u00edst, n\u00edzk\u00e9 \u00farokov\u00e9 sazby a z\u00e1jem o hypot\u00e9ky, v\u00fdrazn\u011b zv\u00fd\u0161il ceny dom\u016f a byt\u016f.                                                                                                                                                                                                                                                                                                                                                                                                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