[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/hypoteky-pouze-do-90-ceny-nemovitosti\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/hypoteky-pouze-do-90-ceny-nemovitosti\/","headline":"Hypot\u00e9ky pouze do 90% ceny nemovitosti","name":"Hypot\u00e9ky pouze do 90% ceny nemovitosti","description":"\u010cesk\u00e1 n\u00e1rodn\u00ed banka (\u010cNB) dala bank\u00e1m doporu\u010den\u00ed, aby od 1.dubna 2017 neposkytovaly stoprocentn\u00ed p\u016fj\u010dky. Maxim\u00e1ln\u00ed v\u00fd\u0161e hypot\u00e9ky by m\u011bla tak b\u00fdt v hodnot\u011b 90% LTV. (LTV znamen\u00e1 Loan To Value. Tedy pom\u011br poskytnut\u00e9ho \u00fav\u011bru k z\u00e1stavn\u00ed hodnot\u011b po\u0159izovan\u00e9 nemovitosti.) Tuto hodnotu stanov\u00ed banka znaleck\u00fdm posouzen\u00edm. Banka tedy nevych\u00e1z\u00ed z kupn\u00ed ceny.   D\u00e1le mohou banky …

Hypot\u00e9ky pouze do 90% ceny nemovitosti<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/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_a288290_w1991_t1498741852.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a288290_w1991_t1498741852.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/hypoteky-pouze-do-90-ceny-nemovitosti\/","about":["Hypot\u00e9ky"],"wordCount":482,"articleBody":"\t\u010cesk\u00e1 n\u00e1rodn\u00ed banka (\u010cNB) dala bank\u00e1m doporu\u010den\u00ed, aby od 1.dubna 2017 neposkytovaly stoprocentn\u00ed p\u016fj\u010dky. Maxim\u00e1ln\u00ed v\u00fd\u0161e hypot\u00e9ky by m\u011bla tak b\u00fdt v hodnot\u011b 90% LTV. (LTV znamen\u00e1 Loan To Value. Tedy pom\u011br poskytnut\u00e9ho \u00fav\u011bru k z\u00e1stavn\u00ed hodnot\u011b po\u0159izovan\u00e9 nemovitosti.) Tuto hodnotu stanov\u00ed banka znaleck\u00fdm posouzen\u00edm. Banka tedy nevych\u00e1z\u00ed z kupn\u00ed ceny.\t\t \tD\u00e1le mohou banky poskytovat hypot\u00e9ku v hodnot\u011b 80% – 90%  pouze v celkov\u00e9m objemu 15% z nov\u011b poskytnut\u00fdch hypot\u00e9k. \t \tCo z toho pro z\u00e1kazn\u00edky vypl\u00fdv\u00e1?\tJednozna\u010dn\u011b z toho vypl\u00fdv\u00e1, \u017ee pokud chce klient z\u00edskat hypot\u00e9ku, mus\u00ed m\u00edt naspo\u0159eny vlastn\u00ed  prost\u0159edky. A to v\u00fdrazn\u011b vy\u0161\u0161\u00ed ne\u017e doposud. Z toho, jak tvrd\u00ed finan\u010dn\u00ed odborn\u00edci, vypl\u00fdvaj\u00ed dva sm\u011bry budouc\u00edho v\u00fdvoje, kter\u00e9 v\u0161ak dle v\u0161eho nejsou pozitivn\u00ed:\t \t1.   Na hypot\u00e9ku dos\u00e1hne m\u00e1lo lid\u00ed\t2.   Sn\u00ed\u017een\u00ed dostupnosti pro mlad\u00e9 lidi\t \tPr\u00e1v\u011b zejm\u00e9na mlad\u00fdch se dotkne toto opat\u0159en\u00ed, i p\u0159es to, \u017ee mohou m\u00edt aktu\u00e1ln\u011b pom\u011brn\u011b vysok\u00e9 p\u0159\u00edjmy. Nicm\u00e9n\u011b je jasn\u00e9, \u017ee mlad\u00ed nestihnou za p\u00e1r let \u010di m\u011bs\u00edc\u016f v pr\u00e1ci, naspo\u0159it adekv\u00e1tn\u00ed \u010d\u00e1stku.\t\t \tSamoz\u0159ejm\u011b banky mohou m\u00edt i jin\u00e1 \u0159e\u0161en\u00ed. Hypot\u00e9ka se kombinuje nap\u0159\u00edklad se spot\u0159ebitelsk\u00fdm \u00fav\u011brem. Ka\u017ed\u00e9mu p\u0159em\u00fd\u0161lej\u00edc\u00edmu \u010dlov\u011bku te\u010f do\u0161lo, \u017ee spot\u0159ebitelsk\u00fd \u00fav\u011br m\u00e1 vysok\u00e9 \u00farokov\u00e9 sazby. Je na p\u00e1r let, tedy spl\u00e1tky jsou vysok\u00e9. T\u00edm m\u016f\u017ee doj\u00edt paradoxn\u011b ke stavu, kter\u00e9mu se \u010cNB \u00fadajn\u011b sna\u017eila zabr\u00e1nit pr\u00e1v\u011b t\u00edm, \u017ee nebude poskytovat 100% hypot\u00e9ky.\t \tV logick\u00e9 n\u00e1vaznosti na toto, bude v dob\u011b konce fixace pro klienty velmi obt\u00ed\u017en\u011b, odej\u00edt za v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku ke konkurenci. Mo\u017en\u00e9 tak\u00e9 je, \u017ee to vlastn\u011b v tu chv\u00edli bude nemo\u017en\u00e9. Tedy se budou muset spokojit s nab\u00eddkou sv\u00e9 banky, kter\u00e1 nebude tla\u010dena konkurenc\u00ed ke sni\u017eov\u00e1n\u00ed sazby a zlep\u0161ov\u00e1n\u00ed nab\u00eddky, tedy op\u011bt porostou \u00farokov\u00e9 sazby.\t\t \tZm\u011bna, kter\u00e1 se t\u00fdk\u00e1 z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, a je oproti p\u0159edchoz\u00edm zm\u011bn\u00e1m pro klienty pozitivn\u00ed, umo\u017e\u0148uje d\u00e1le (bez pen\u00e1le a poplatk\u016f), splatit mimo fixa\u010dn\u00ed obdob\u00ed a\u017e 25% jistiny \u00fav\u011bru (jednou v roce) a limituje poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed cel\u00e9 hypot\u00e9ky.\t \tS jistotou tedy lze \u0159\u00edci, \u017ee podm\u00ednky pro \u010derp\u00e1n\u00ed hypot\u00e9k nebude snadn\u00e9 splnit a to se v budoucnu odraz\u00ed ve v\u00fd\u0161i \u00farokov\u00fdch sazeb hypote\u010dn\u00edch \u00fav\u011br\u016f a v mno\u017estv\u00ed poskytnut\u00ed spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f.\t  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ky pouze do 90% ceny nemovitosti","item":"https:\/\/www.zerba.cz\/hypoteky-pouze-do-90-ceny-nemovitosti\/#breadcrumbitem"}]}]