[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/sazby-hypotek-se-stale-zvysuji\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/sazby-hypotek-se-stale-zvysuji\/","headline":"Sazby hypot\u00e9k se st\u00e1le zvy\u0161uj\u00ed","name":"Sazby hypot\u00e9k se st\u00e1le zvy\u0161uj\u00ed","description":"V roce 2017 je zat\u00edm jednozna\u010dn\u00fdm sm\u011brem r\u016fst \u00farokov\u00fdch sazeb u hypot\u00e9k. D\u00e1 se p\u0159edpokl\u00e1dat, i dle finan\u010dn\u00edch anal\u00fdz, \u017ee sazby je\u0161t\u011b porostou. S t\u00edm samoz\u0159ejm\u011b souvis\u00ed i to, \u017ee dostupnost hypot\u00e9k se hor\u0161\u00ed. V ka\u017ed\u00e9m p\u0159\u00edpad\u011b se ale objemy i po\u010dty hypote\u010dn\u00edch \u00fav\u011br\u016f st\u00e1le zvy\u0161uj\u00ed. &nbsp; V \u00fanoru 2017 se pr\u016fm\u011brn\u00fd \u00farok vy\u0161plhal a\u017e &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/sazby-hypotek-se-stale-zvysuji\/\"> <span class=\"screen-reader-text\">Sazby hypot\u00e9k se st\u00e1le zvy\u0161uj\u00ed<\/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_a288291_w1991_t1498741952.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a288291_w1991_t1498741952.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/sazby-hypotek-se-stale-zvysuji\/","about":["Hypot\u00e9ky"],"wordCount":488,"articleBody":"\tV roce 2017 je zat\u00edm jednozna\u010dn\u00fdm sm\u011brem r\u016fst \u00farokov\u00fdch sazeb u hypot\u00e9k. D\u00e1 se p\u0159edpokl\u00e1dat, i dle finan\u010dn\u00edch anal\u00fdz, \u017ee sazby je\u0161t\u011b porostou. S t\u00edm samoz\u0159ejm\u011b souvis\u00ed i to, \u017ee dostupnost hypot\u00e9k se hor\u0161\u00ed. V ka\u017ed\u00e9m p\u0159\u00edpad\u011b se ale objemy i po\u010dty hypote\u010dn\u00edch \u00fav\u011br\u016f st\u00e1le zvy\u0161uj\u00ed.\t\t&nbsp;\tV \u00fanoru 2017 se pr\u016fm\u011brn\u00fd \u00farok vy\u0161plhal a\u017e na 1,87 procenta a t\u00edm se tato v\u00fd\u0161e vyrovnala zp\u011bt na hodnotu, kterou m\u011bla v \u010dervnu 2016.\tI p\u0159es tyto zm\u011bny v\u0161ak z\u00e1jemc\u016f a \u017eadatel\u016f o tento typ \u00fav\u011br\u016f st\u00e1le p\u0159ib\u00fdv\u00e1. V tuto chv\u00edli ji\u017e neplat\u00ed, \u017ee nejv\u011bt\u0161\u00ed po\u010det \u017eadatel\u016f o \u00fav\u011br chod\u00ed do velk\u00fdch bank. St\u00e1v\u00e1 se sp\u00ed\u0161e trendem, \u017e\u00e1dat o hypot\u00e9ky pr\u00e1v\u011b u bank men\u0161\u00edch, kter\u00e9 samoz\u0159ejm\u011b maj\u00ed enormn\u00ed z\u00e1jem i o tyto individu\u00e1ln\u011b \u0159e\u0161en\u00e9 situace.\t&nbsp;\tV\u00fd\u0161e poskytnut\u00fdch \u00fav\u011br\u016f&nbsp;V tuto chv\u00edli se zv\u00fd\u0161ila i pr\u016fm\u011brn\u00e1 v\u00fd\u0161e poskytnut\u00fdch \u00fav\u011br\u016f. M\u016f\u017eeme se nyn\u00ed pod\u00edvat, jak se tento objem vyv\u00edj\u00ed dlouhodob\u011b:&nbsp;V lednu 2015 byla pr\u016fm\u011brn\u00e1 v\u00fd\u0161e hypot\u00e9ky 1 725 728,- K\u010d. V lednu 2016 to pak bylo ji\u017e 2 138 995,- K\u010d. Od \u00fanora 2016 do \u0159\u00edjna 2016 byl tento objem ale pod hranic\u00ed dvou milionu, v \u00fanoru dokonce 1 878 013,- K\u010d. A\u017e v listopadu 2016 se vy\u0161plhal objem zase a\u017e na pr\u016fm\u011brnou \u010d\u00e1stku 2 063 292,- K\u010d.Dle zdroje t\u011bchto \u010d\u00e1stek &ldquo;Fincentrum Hypoindex&quot; by bylo nejvhodn\u011bj\u0161\u00ed, za\u017e\u00e1dat si&nbsp; o hypot\u00e9ku, pokud o n\u00ed uva\u017eujete, pr\u00e1v\u011b te\u010f, proto\u017ee sazby budou st\u00e1le rapidn\u011b r\u016fst.&nbsp;V tuto chv\u00edli je\u0161t\u011b omezen\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky vyd\u00e1vat 100% \u00fav\u011bry nijak zvl\u00e1\u0161\u0165 trh neomezilo a banky se do \u017e\u00e1dn\u00fdch dal\u0161\u00edch a v\u011bt\u0161\u00edch zm\u011bn nepou\u0161t\u00ed. Na druhou stranu se ale za\u010d\u00ednaj\u00ed pomalu ztr\u00e1cet v\u00fdhody a slevy, kter\u00e9 do t\u00e9to doby pro ur\u010ditou skupinu klient\u016f m\u011bly.&nbsp;\tV\u00fd\u0161e \u00farokov\u00fdch sazeb&nbsp;Pravd\u011bpodobn\u00fd dopad, jak u\u017e bylo zm\u00edn\u011bno, bude na \u00farokovou sazbu. Lze to odhadovat i z dostupn\u00fdch zdroj\u016f uv\u00e1d\u011bj\u00edc\u00edch v\u00fdvoj \u00farokov\u00fdch sazeb, kter\u00fd byl n\u00e1sleduj\u00edc\u00ed:V lednu 2015 se pr\u016fm\u011brn\u00e1 v\u00fd\u0161e t\u00e9to sazby pohybovala kolem 2,4%. Od kv\u011btna 2015 do \u00fanora 2016 se sazba pohybovala mezi 2% a 2,2%. Od b\u0159ezna 2016 do prosince 2016 pak klesala a\u017e na hodnotu cca 1,78%. A od ledna leto\u0161n\u00edho roku op\u011bt stoup\u00e1. V kv\u011btnu 2016 se vy\u0161plhala op\u011bt na 2%.&nbsp;D\u00e1 se p\u0159edpokl\u00e1dat, \u017ee n\u00e1r\u016fst \u00farokov\u00fdch sazeb bude, se zhor\u0161en\u00fdmi podm\u00ednkami pro dosa\u017een\u00ed na hypot\u00e9ku, pokra\u010dovat.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Sazby hypot\u00e9k se st\u00e1le zvy\u0161uj\u00ed","item":"https:\/\/www.zerba.cz\/sazby-hypotek-se-stale-zvysuji\/#breadcrumbitem"}]}]