[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/spravne-splaceni-hypotek-je-trendem\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/spravne-splaceni-hypotek-je-trendem\/","headline":"Spr\u00e1vn\u00e9 splacen\u00ed hypot\u00e9k je trendem!","name":"Spr\u00e1vn\u00e9 splacen\u00ed hypot\u00e9k je trendem!","description":"Lidem v \u010cesk\u00e9 republice se o\u010dividn\u011b l\u00e9pe da\u0159\u00ed. Maj\u00ed dostatek pen\u011bz, aby mohli spl\u00e1cet spr\u00e1vn\u011b hypote\u010dn\u00ed spl\u00e1tky a v podstat\u011b \u00fav\u011bry jako takov\u00e9. Pod\u00edl bankovn\u00edch \u00fav\u011br\u016f v selh\u00e1n\u00ed klesl dokonce na 2,91%. Kolem roku 2007, kdy prob\u00edhala finan\u010dn\u00ed krize, bylo toto \u010d\u00edslo v\u011bt\u0161\u00ed ne\u017e 5%. \u00dav\u011bry na bydlen\u00ed jsou spl\u00e1ceny tak\u00e9 mnohem l\u00e9pe, ne\u017e d\u0159\u00edve. …

Spr\u00e1vn\u00e9 splacen\u00ed hypot\u00e9k je trendem!<\/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_a288293_w1991_t1498742158.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a288293_w1991_t1498742158.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/spravne-splaceni-hypotek-je-trendem\/","about":["Hypot\u00e9ky"],"wordCount":453,"articleBody":"\tLidem v \u010cesk\u00e9 republice se o\u010dividn\u011b l\u00e9pe da\u0159\u00ed. Maj\u00ed dostatek pen\u011bz, aby mohli spl\u00e1cet spr\u00e1vn\u011b hypote\u010dn\u00ed spl\u00e1tky a v podstat\u011b \u00fav\u011bry jako takov\u00e9.\tPod\u00edl bankovn\u00edch \u00fav\u011br\u016f v selh\u00e1n\u00ed klesl dokonce na 2,91%. Kolem roku 2007, kdy prob\u00edhala finan\u010dn\u00ed krize, bylo toto \u010d\u00edslo v\u011bt\u0161\u00ed ne\u017e 5%. \u00dav\u011bry na bydlen\u00ed jsou spl\u00e1ceny tak\u00e9 mnohem l\u00e9pe, ne\u017e d\u0159\u00edve. Tam je procento \u00fav\u011br\u016f v selh\u00e1n\u00ed dokonce 1,9. I p\u0159\u00edmo u hypot\u00e9k je toto \u010d\u00edslo na hodnot\u011b 1,51%.\t\t \tPt\u00e1te se mo\u017en\u00e1, pro\u010d lid\u00e9 spl\u00e1c\u00ed v tuto dobu sv\u00e9 \u00fav\u011bry spolehliv\u011bji ne\u017e d\u0159\u00edve. M\u00e1me jich n\u011bkolik a mezi ty nejd\u016fle\u017eit\u011bj\u0161\u00ed pat\u0159\u00ed v \u010cesk\u00e9 republice tyto:\t•    dobr\u00e1 ekonomick\u00e1 situace\t•    n\u00edzk\u00e1 nezam\u011bstnanost\t•    r\u016fst mezd\t•    n\u00edzk\u00e9 \u00farokov\u00e9 sazby = sn\u00ed\u017een\u00ed spl\u00e1tek \u00fav\u011br\u016f\t•    mo\u017enosti refinancov\u00e1n\u00ed hypot\u00e9k\t•    mo\u017enosti konsolidace p\u016fj\u010dek\t \t \tObavy \u010cesk\u00e9 n\u00e1rodn\u00ed banky\t \tTento trend v\u0161ak nen\u00ed pouze optimistick\u00fd. \u010cesk\u00e1 n\u00e1rodn\u00ed banka m\u00e1 v tuto chv\u00edli jistotu, \u017ee \u00farokov\u00e9 sazby hypot\u00e9k op\u011bt porostou. Pokud neporostou samovoln\u011b dle ekonomick\u00e9 situace a situace na trhu, \u010cesk\u00e1 n\u00e1rodn\u00ed banka se o toto zv\u00fd\u0161en\u00ed postar\u00e1 sama.\t\t \tPt\u00e1te se jak?\t Je to jednoduch\u00e9. Jeden jej\u00ed krok ji\u017e r\u016fst sazeb oproti roku 2016 za\u0159\u00eddil. Je j\u00edm omezen\u00ed poskytovat stoprocentn\u00ed hypot\u00e9ky.\tPokud se poda\u0159\u00ed d\u00e1t \u010cesk\u00e9 n\u00e1rodn\u00ed bance dal\u0161\u00ed pravomoci podle navrhovan\u00e9 novely z\u00e1kona o \u010cesk\u00e9 n\u00e1rodn\u00ed bance, m\u016f\u017eeme se t\u011b\u0161it na je\u0161t\u011b mnohem p\u0159\u00edsn\u011bj\u0161\u00ed omezen\u00ed dostupnosti hypot\u00e9k.\tDal\u0161\u00ed r\u016fst \u00farokov\u00e9 sazby souvis\u00ed z normalizac\u00ed politiky pr\u00e1v\u011b \u010cesk\u00e9 n\u00e1rodn\u00ed banky. Od t\u00e9to normalizace, tedy r\u016fstu z\u00e1kladn\u00edch \u00farokov\u00fdch sazeb, se pak odv\u00edj\u00ed i ceny zdroj\u016f a \u00farokov\u00fdch sazeb na mezibankovn\u00edm trhu. N\u00e1sledek je jasn\u00fd a prom\u00edtne se i do sazeb n\u00e1s b\u011b\u017en\u00fdch ob\u010dan\u016f.\tToto v\u0161echno se odehraje pravd\u011bpodobn\u011b ve t\u0159et\u00edm \u010dtvrtlet\u00ed leto\u0161n\u00edho roku. N\u011bkte\u0159\u00ed optimisti\u010dt\u00ed analytici v\u0161ak tvrd\u00ed, \u017ee se to prom\u00edtne a\u017e za\u010d\u00e1tkem roku 2017.\t \tDopady budou z\u00e1va\u017en\u00e9 a to hlavn\u011b pro rodiny, jejich\u017e rozpo\u010dty jsou napjat\u00e9 ji\u017e nyn\u00ed. Spl\u00e1tky se budou navy\u0161ovat a\u017e o 70% sv\u00e9 aktu\u00e1ln\u00ed v\u00fd\u0161e. M\u016f\u017ee se tak st\u00e1t, \u017ee nam\u00edsto vlastnictv\u00ed vysn\u011bn\u00e9ho bydlen\u00ed budou rodiny p\u0159ich\u00e1zet o bydlen\u00ed v exekuc\u00edch. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Spr\u00e1vn\u00e9 splacen\u00ed hypot\u00e9k je trendem!","item":"https:\/\/www.zerba.cz\/spravne-splaceni-hypotek-je-trendem\/#breadcrumbitem"}]}]