[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/jak-dlouhou-zvolit-fixaci-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/jak-dlouhou-zvolit-fixaci-na-hypoteku\/","headline":"Jak dlouhou zvolit fixaci na hypot\u00e9ku?","name":"Jak dlouhou zvolit fixaci na hypot\u00e9ku?","description":"Chcete si po\u0159\u00eddit d\u016fm na hypot\u00e9ku nebo v\u00e1m kon\u010d\u00ed fixace na st\u00e1v\u00e1j\u00edc\u00ed? P\u0159em\u00fd\u0161l\u00edte, jak dlouhou si zvolit fixaci? Porad\u00edme v\u00e1m. R\u016fst cen hypot\u00e9k P\u016fvodn\u00edm p\u0159edpokladem z roku 2019 bylo, \u017ee r\u016fst cen nemovitost\u00ed a \u00farokov\u00fdch sazeb bude pokra\u010dovat i v n\u00e1sleduj\u00edc\u00edch letech. \u010cNB navy\u0161ovala \u00farokov\u00e9 sazby. V kv\u011btnu 2020 v\u0161ak do\u0161lo ke zlomu. Repo sazba &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/jak-dlouhou-zvolit-fixaci-na-hypoteku\/\"> <span class=\"screen-reader-text\">Jak dlouhou zvolit fixaci na hypot\u00e9ku?<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2021-02-24","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\/pujcka_6Fzd3M.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/pujcka_6Fzd3M.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/jak-dlouhou-zvolit-fixaci-na-hypoteku\/","about":["P\u016fj\u010dky"],"wordCount":479,"articleBody":"           Chcete si po\u0159\u00eddit d\u016fm na hypot\u00e9ku nebo v\u00e1m kon\u010d\u00ed fixace na st\u00e1v\u00e1j\u00edc\u00ed? P\u0159em\u00fd\u0161l\u00edte, jak dlouhou si zvolit fixaci? Porad\u00edme v\u00e1m. R\u016fst cen hypot\u00e9k P\u016fvodn\u00edm p\u0159edpokladem z roku 2019 bylo, \u017ee r\u016fst cen nemovitost\u00ed a \u00farokov\u00fdch sazeb bude pokra\u010dovat i v n\u00e1sleduj\u00edc\u00edch letech. \u010cNB navy\u0161ovala \u00farokov\u00e9 sazby. V kv\u011btnu 2020 v\u0161ak do\u0161lo ke zlomu. Repo sazba byla velmi rychle sn\u00ed\u017eena z 2,25 % v \u00fanoru na 0,25% jak v kv\u011btnu informoval jako jeden z prvn\u00edch Finan\u010dn\u00ed patron. N\u00e1sledn\u011b do\u0161lo k v\u00fdrazn\u00e9mu zlevn\u011bn\u00ed hypot\u00e9k. Ekonomika vlivem pandemie koronaviru v\u00fdrazn\u011b zpomalila. V z\u00e1\u0159\u00ed se \u00farokov\u00e1 sazba hypot\u00e9k pohybovala na \u00farovni 2,15 %, v lednu 2021 to bylo 1,94 % p.a.. Takto n\u00edzk\u00e9 \u00farokov\u00e9 sazby v\u00e1m nenab\u00eddne \u017e\u00e1dn\u00e1 p\u016fj\u010dka bez registru ani p\u016fj\u010dka na i\u010do.  Pokles sazeb je p\u0159ekvapiv\u00fd Odborn\u00edci neo\u010dek\u00e1vali, \u017ee by v n\u00e1sleduj\u00edc\u00edch m\u011bs\u00edc\u00edch do\u0161lo k poklesu cen hypot\u00e9k. Banky se p\u0159\u00edli\u0161 nehrnuly do toho, aby byla hypot\u00e9ka levn\u00e1. P\u0159esto v\u0161ak do\u0161lo k poklesu cen. Pod\u00edl nesplacen\u00fdch hypot\u00e9k nen\u00ed tak vysok\u00fd, jak banky p\u0159i prvn\u00ed vln\u011b pandemie o\u010dek\u00e1valy. Velk\u00fd v\u00fdznam m\u00e1 tak\u00e9 konkuren\u010dn\u00ed boj bank. Banky vzhledem k velk\u00e9mu z\u00e1jmu klient\u016f nebudou m\u00edt z\u0159ejm\u011b ji\u017e brzy pot\u0159ebu dr\u017eet \u00farokov\u00e9 sazby hypot\u00e9k na minim\u00e1ln\u00ed \u00farovni. R\u016fst \u00farokov\u00fdch sazeb letos nejsp\u00ed\u0161 podpo\u0159\u00ed i \u010cNB. Je ale velmi pravd\u011bpodobn\u00e9, \u017ee ke zv\u00fd\u0161en\u00ed z\u00e1kladn\u00edch sazeb p\u0159istoup\u00ed na\u0161e centr\u00e1ln\u00ed banka nejd\u0159\u00edve v listopadu. D\u016fvodem je velk\u00e1 nejistota kv\u016fli st\u00e1le panuj\u00edc\u00ed pandemii koronaviru.  Na jak dlouho zafixovat hypot\u00e9ku? Pokud chcete \u0159e\u0161it fixaci hypot\u00e9ky, je d\u016fle\u017eit\u00e9 si vybrat co nejv\u00fdhodn\u011bj\u0161\u00ed obdob\u00ed z hlediska \u00faroku a v\u00fd\u0161e spl\u00e1tky. Ne\u017e si fixaci zvol\u00edte, zodpov\u011bzte si ot\u00e1zku, zda chcete platit st\u00e1le stejnou spl\u00e1tku co nejdel\u0161\u00ed dobu nebo naopak chcete hypot\u00e9ku splatit co nejd\u0159\u00edve i za cenu vy\u0161\u0161\u00ed spl\u00e1tky. Ale pozor na to, abyste v\u017edy zvl\u00e1dali spl\u00e1cet a nedostali se do probl\u00e9m\u016f. Mohlo by pak doj\u00edt k zesplatn\u011bn\u00ed dluhu. Fixaci \u00farokov\u00e9 sazby si je mo\u017en\u00e9 zvolit na 1, 3, 5 \u010di 10 let. V\u00fdjimkou v\u0161ak nen\u00ed ani fixace na 2, 7, 15 \u010di 20 let. Del\u0161\u00ed fixa\u010dn\u00ed obdob\u00ed zvolte ve f\u00e1zi ekonomick\u00e9ho cyklu, kdy jsou \u00farokov\u00e9 sazby n\u00edzk\u00e9 a v n\u00e1sleduj\u00edc\u00edch letech se o\u010dek\u00e1v\u00e1 r\u016fst. Kr\u00e1tk\u00e9 fixa\u010dn\u00ed obdob\u00ed naopak zvolte v dob\u011b r\u016fstu \u00farokov\u00fdch sazeb, kdy se v\u0161ak o\u010dek\u00e1v\u00e1 mo\u017en\u00fd pokles.                                                                                                                                                                                                                                                                                                                                                                                                  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