[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/stavebni-sporeni-se-nakonec-vyplati\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/stavebni-sporeni-se-nakonec-vyplati\/","headline":"Stavebn\u00ed spo\u0159en\u00ed se nakonec vyplat\u00ed!","name":"Stavebn\u00ed spo\u0159en\u00ed se nakonec vyplat\u00ed!","description":"D\u00e1 se tedy p\u0159edpokl\u00e1dat, \u017ee z\u00e1jem o \u00fav\u011bry u stavebn\u00edch spo\u0159itelen nyn\u00ed dramaticky poroste. Spo\u0159itelny toti\u017e reaguj\u00ed na v\u00fdvoj trhu podstatn\u011b pomalej\u0161\u00edm tempem proti bank\u00e1m. V p\u0159edchoz\u00edch letech, tedy do roku 2017 sazby na hypote\u010dn\u00edch \u00fav\u011brech dlouhodob\u011b klesaly. I na toto stavebn\u00ed spo\u0159itelny reagovaly pomalu. Proto byly hypot\u00e9ky v\u00fdhodn\u011bj\u0161\u00ed a byly hojn\u011bji vyu\u017e\u00edv\u00e1ny. Vzhledem k &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/stavebni-sporeni-se-nakonec-vyplati\/\"> <span class=\"screen-reader-text\">Stavebn\u00ed spo\u0159en\u00ed se nakonec vyplat\u00ed!<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2023-04-29","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_a316648_w2000_t1527623107.png","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a316648_w2000_t1527623107.png","height":"","width":""},"url":"https:\/\/www.zerba.cz\/stavebni-sporeni-se-nakonec-vyplati\/","about":["Hypot\u00e9ky"],"wordCount":473,"articleBody":"D\u00e1 se tedy p\u0159edpokl\u00e1dat, \u017ee z\u00e1jem o \u00fav\u011bry u stavebn\u00edch spo\u0159itelen nyn\u00ed dramaticky poroste.Spo\u0159itelny toti\u017e reaguj\u00ed na v\u00fdvoj trhu podstatn\u011b pomalej\u0161\u00edm tempem proti bank\u00e1m. V p\u0159edchoz\u00edch letech, tedy do roku 2017 sazby na hypote\u010dn\u00edch \u00fav\u011brech dlouhodob\u011b klesaly. I na toto stavebn\u00ed spo\u0159itelny reagovaly pomalu. Proto byly hypot\u00e9ky v\u00fdhodn\u011bj\u0161\u00ed a byly hojn\u011bji vyu\u017e\u00edv\u00e1ny.Vzhledem k tomu, \u017ee nyn\u00ed tedy sazby hypot\u00e9k rostou a spo\u0159iteln\u00ed \u00faroky m\u00edrn\u011b dokonce klesly, d\u00e1 se p\u0159edpokl\u00e1dat, \u017ee z\u00e1jem o \u00fav\u011bry u stavebn\u00edch spo\u0159itelen poroste. T\u00fdk\u00e1 se to hlavn\u011b tedy \u00fav\u011br\u016f p\u0159eklenovac\u00edch, kde tak\u00e9 \u00faroky m\u00edrn\u011b rostou, ale op\u011bt pomaleji, ne\u017e rostou u hypot\u00e9k.Hlavn\u00edm \u00fa\u010delem stavebn\u00edho spo\u0159en\u00ed je tedy mo\u017enost vz\u00edt si pr\u00e1v\u011b \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed. U t\u011bchto produkt\u016f se sjedn\u00e1vaj\u00ed \u00farokov\u00e9 sazby dop\u0159edu a nejsou z\u00e1konem regulovan\u00e9. Tedy pokud dnes uzav\u0159ete smlouvu o stavebn\u00edm spo\u0159en\u00ed, z\u00edsk\u00e1te \u00fav\u011br se sazbou p\u0159ibli\u017en\u011b kolem 3,5 a\u017e 4 procenta. To znamen\u00e1, \u017ee sice moment\u00e1ln\u011b je tato \u00farokov\u00e1 sazba vy\u0161\u0161\u00ed ne\u017e u hypot\u00e9k, ale vzhledem k tomu, \u017ee s podpisem smlouvy m\u00e1te tuto sazbu zaru\u010denou po celu dobu spl\u00e1cen\u00ed, brzy p\u0159ijde doba, kdy tento \u00fav\u011br bude zaj\u00edmav\u011bj\u0161\u00ed a v\u00fdhodn\u011bj\u0161\u00ed ne\u017e pr\u00e1v\u011b zmi\u0148ovan\u00e9 hypote\u010dn\u00ed \u00fav\u011bry.P\u0159ed deseti lety p\u0159i krizi na finan\u010dn\u00edm trhu klesl z\u00e1jem o hypot\u00e9ky. D\u00e1 se p\u0159edpokl\u00e1dat, \u017ee zvy\u0161ov\u00e1n\u00ed sazeb u hypot\u00e9k bude m\u00edt nyn\u00ed podobn\u00fd dopad, i kdy\u017e ne tak z\u00e1sadn\u00ed, proto\u017ee celkov\u00e1 ekonomick\u00e1 situace ve sv\u011bt\u011b i u n\u00e1s je lep\u0161\u00ed. Tedy hlavn\u011b u n\u00e1s.Stavebn\u00ed spo\u0159itelny se u stavebn\u00edch spo\u0159en\u00ed klient\u016fm p\u0159ed n\u011bkolika lety zavazovaly k tomu, \u017ee jim budou p\u0159i spln\u011bn\u00ed podm\u00ednek poskytovat \u00fav\u011bry s \u00farokem kolem p\u011bti procent. Co\u017e tak v\u00fdhodn\u00e9 nen\u00ed. Ale dlouhodob\u011b existuj\u00edc\u00ed spo\u0159en\u00ed maj\u00ed p\u0159edjednan\u00e9 \u00faroky ni\u017e\u0161\u00ed, co\u017e je v tuto chv\u00edli velmi zaj\u00edmav\u00e9, proto\u017ee sazby budou b\u011bhem p\u00e1r m\u011bs\u00edc\u016f pravd\u011bpodobn\u011b konkurovat pr\u00e1v\u011b \u00farok\u016fm u hypot\u00e9k.\u00a0Op\u011bt se tedy ukazuje, \u017ee pr\u00e1ce finan\u010dn\u00edch poradc\u016f, kte\u0159\u00ed v posledn\u00edch letech rozmlouvali klient\u016fm v\u00fdhodnost stavebn\u00edch spo\u0159en\u00ed, byla lich\u00e1 a doporu\u010den\u00ed chybn\u00e9. Pokud jste nedali na jejich n\u00e1zor, \u017ee se stavebn\u00ed spo\u0159en\u00ed nevyplat\u00ed, mo\u017en\u00e1 nyn\u00ed z\u00edsk\u00e1te bonus v podob\u011b n\u00edzk\u00fdch sazeb na \u00fav\u011bry ze stavebn\u00edho spo\u0159en\u00ed oproti trhu s hypot\u00e9kami.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Stavebn\u00ed spo\u0159en\u00ed se nakonec vyplat\u00ed!","item":"https:\/\/www.zerba.cz\/stavebni-sporeni-se-nakonec-vyplati\/#breadcrumbitem"}]}]