[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/uskali-hypotek\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/uskali-hypotek\/","headline":"\u00daskal\u00ed hypot\u00e9k","name":"\u00daskal\u00ed hypot\u00e9k","description":"\u010cesk\u00e1 n\u00e1rodn\u00ed banka vydala proto doporu\u010den\u00ed, pomoc\u00ed kter\u00e9ho chce omezit d\u00edl financ\u00ed od bank na po\u0159\u00edzen\u00ed bydlen\u00ed. Ji\u017e v lo\u0148sk\u00e9m roce \u010cesk\u00e1 n\u00e1rodn\u00ed banka vydala doporu\u010den\u00ed bank\u00e1m poskytovat hypot\u00e9ky maxim\u00e1ln\u011b do v\u00fd\u0161e devades\u00e1ti p\u011bti procent hodnoty nemovitosti. Touto snahou zam\u00fd\u0161lela \u010cesk\u00e1 n\u00e1rodn\u00ed banka p\u0159im\u011bt banky k tomu, aby nep\u016fj\u010dovaly finance z\u00e1jemc\u016fm, kte\u0159\u00ed nemaj\u00ed vlastn\u00ed \u00faspory &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/uskali-hypotek\/\"> <span class=\"screen-reader-text\">\u00daskal\u00ed hypot\u00e9k<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2017-08-30","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_a299406_w1990_t1509400430.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a299406_w1990_t1509400430.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/uskali-hypotek\/","about":["Finan\u010dn\u00ed spole\u010dnosti"],"wordCount":369,"articleBody":"\t\u010cesk\u00e1 n\u00e1rodn\u00ed banka vydala proto doporu\u010den\u00ed, pomoc\u00ed kter\u00e9ho chce omezit d\u00edl financ\u00ed od bank na po\u0159\u00edzen\u00ed bydlen\u00ed. Ji\u017e v lo\u0148sk\u00e9m roce \u010cesk\u00e1 n\u00e1rodn\u00ed banka vydala doporu\u010den\u00ed bank\u00e1m poskytovat hypot\u00e9ky maxim\u00e1ln\u011b do v\u00fd\u0161e devades\u00e1ti p\u011bti procent hodnoty nemovitosti. Touto snahou zam\u00fd\u0161lela \u010cesk\u00e1 n\u00e1rodn\u00ed banka p\u0159im\u011bt banky k tomu, aby nep\u016fj\u010dovaly finance z\u00e1jemc\u016fm, kte\u0159\u00ed nemaj\u00ed vlastn\u00ed \u00faspory a byli by bez rezerv odk\u00e1zan\u00ed pouze na hypote\u010dn\u00ed \u00fav\u011br. A tak ji\u017e od podzimu klienti dosahuj\u00ed maxim\u00e1ln\u011b na \u00fav\u011br s LTV 95. Bank\u00e1m rovn\u011b\u017e hroz\u00ed, \u017ee pokud nebudou toto doporu\u010den\u00ed respektovat, bude po nich po\u017eadov\u00e1no vy\u0161\u0161\u00ed kapit\u00e1lov\u00e9 zaji\u0161t\u011bn\u00ed.\t\tOmezen\u00e1 dostupnost bydlen\u00edNov\u00e9 dal\u0161\u00ed doporu\u010den\u00ed bank\u00e1m je ve zn\u011bn\u00ed, \u017ee banky mohou poskytovat hypot\u00e9ky maxim\u00e1ln\u011b do devades\u00e1ti procent hodnoty nemovitosti. Banky samy tvrd\u00ed, \u017ee je rozhodnut\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky ohledn\u011b neposkytov\u00e1n\u00ed stoprocentn\u00edch hypot\u00e9k klient\u016fm t\u00e9m\u011b\u0159 neovlivnilo, nebo\u0165 tyto hypot\u00e9ky p\u0159edstavuj\u00ed jen jednotky procent. To znamen\u00e1, \u017ee do\u0161lo k omezen\u00ed dostupnosti bydlen\u00ed pouze pro n\u011bkter\u00e9 \u00fazk\u00e9 skupiny klient\u016f.\tMnohem hor\u0161\u00ed situace?U dal\u0161\u00edho kroku \u010cesk\u00e9 n\u00e1rodn\u00ed banky u\u017e to m\u016f\u017ee b\u00fdt ov\u0161em trochu hor\u0161\u00ed, a tak je mo\u017en\u00e9, \u017ee se po\u010det klient\u016f \u017e\u00e1daj\u00edc\u00edch o hypot\u00e9ku nav\u00fd\u0161\u00ed a t\u00edm m\u016f\u017ee doj\u00edt k omezen\u00ed dostupnosti bydlen\u00ed pro dal\u0161\u00ed skupiny z\u00e1jemc\u016f o hypot\u00e9ku.&nbsp; Doporu\u010den\u00ed \u010cesk\u00e9 N\u00e1rodn\u00ed banky m\u016f\u017ee nep\u0159\u00edmo ovlivnit i ceny nemovitost\u00ed a m\u016f\u017ee to v\u00e9st k drobn\u00e9 korekci trhu. Kv\u016fli opat\u0159en\u00edm \u010cesk\u00e9 n\u00e1rodn\u00ed banky dojde mo\u017en\u00e1 k okolo dvacetiprocentn\u00edmu sn\u00ed\u017een\u00ed objemu poskytnut\u00fdch hypot\u00e9k. V sou\u010dasn\u00e9 dob\u011b jsou podm\u00ednky pro financov\u00e1n\u00ed bydlen\u00ed bez vlastn\u00edch \u00faspor velice omezen\u00e9, a v budoucnu to nebude jinak. Poroste v\u0161ak v\u011bt\u0161\u00ed po\u010det klient\u016f, kte\u0159\u00ed nedostatek \u00faspor pro hypot\u00e9ku vy\u0159e\u0161\u00ed pomoc\u00ed jin\u00fdmi p\u016fj\u010dkami. Toto dofinancov\u00e1n\u00ed jin\u00fdm \u00fav\u011brem v\u0161ak znamen\u00e1 zv\u00fd\u0161enou finan\u010dn\u00ed z\u00e1t\u011b\u017e.&nbsp;                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u00daskal\u00ed hypot\u00e9k","item":"https:\/\/www.zerba.cz\/uskali-hypotek\/#breadcrumbitem"}]}]