[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lopes.cz\/zmeny-na-hypotecnim-trhu\/#Article","mainEntityOfPage":"https:\/\/www.lopes.cz\/zmeny-na-hypotecnim-trhu\/","headline":"Zm\u011bny na hypote\u010dn\u00edm trhu","name":"Zm\u011bny na hypote\u010dn\u00edm trhu","description":"Snad si n\u011bkte\u0159\u00ed je\u0161t\u011b pamatuj\u00ed situaci zhruba p\u0159ed deseti lety, kdy „praskla realitn\u00ed bublina“ a n\u00e1sledovala ekonomick\u00e1 krize. V d\u016fsledku extr\u00e9mn\u011b v\u00fdhodn\u00fdch hypot\u00e9k si na … ","datePublished":"2020-10-07","dateModified":"2020-10-07","author":{"@type":"Person","@id":"https:\/\/www.lopes.cz\/author\/#Person","name":"","url":"https:\/\/www.lopes.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lopes.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.lopes.cz\/zmeny-na-hypotecnim-trhu\/","wordCount":580,"articleBody":"Snad si n\u011bkte\u0159\u00ed je\u0161t\u011b pamatuj\u00ed situaci zhruba p\u0159ed deseti lety, kdy „praskla realitn\u00ed bublina“ a n\u00e1sledovala ekonomick\u00e1 krize. V d\u016fsledku extr\u00e9mn\u011b v\u00fdhodn\u00fdch hypot\u00e9k si na bydlen\u00ed p\u016fj\u010dovali i ti, kte\u0159\u00ed nakonec na spl\u00e1cen\u00ed nem\u011bli, a kv\u016fli nep\u0159im\u011b\u0159en\u00e9mu v\u00fdskytu t\u011bchto nespl\u00e1cen\u00fdch hypot\u00e9k za\u010daly krachovat hypote\u010dn\u00ed banky. Trh na to reagoval rozs\u00e1hlou kriz\u00ed, v dal\u0161\u00edch letech prudce klesly ceny nemovitost\u00ed a zdra\u017eily se hypot\u00e9ky. Postupem \u010dasu ale bylo t\u0159eba rozh\u00fdbat trh a proto se i za pomoc\u00ed m\u011bnov\u00fdch n\u00e1stroj\u016f tla\u010dily \u00farokov\u00e9 ceny hypot\u00e9k dol\u016f, co\u017e zap\u0159\u00ed\u010dinilo dne\u0161n\u00ed stav, kdy jsou \u00farokov\u00e9 sazby na historick\u00fdch minimech a s velkou d\u00e1vkou nads\u00e1zky je mo\u017en\u00e9 \u0159\u00edct, \u017ee „je pen\u00edze lep\u0161\u00ed dlu\u017eit ne\u017e m\u00edt“. Na \u00farokov\u00e9 sazby nav\u00edc tla\u010d\u00ed interven\u010dn\u00ed opat\u0159en\u00ed \u010cNB, kter\u00e1 dr\u017e\u00ed hodnotu koruny v\u016f\u010di Euru kolem \u00farovn\u011b 27 CZK\/EUR, co\u017e zp\u016fsobuje velk\u00e9 mno\u017estv\u00ed pen\u011bz v ob\u011bhu a sni\u017euje jejich cenu. D\u016fsledkem tohoto stavu je fakt, \u017ee ceny nemovitost\u00ed op\u011bt vy\u0161plhaly nahoru a \u010cNB za\u010d\u00edn\u00e1 m\u00edt strach z p\u0159\u00edli\u0161n\u00e9 uvoln\u011bnosti hypote\u010dn\u00edho trhu. V \u0159\u00edjnu 2016 byla zavedena opat\u0159en\u00ed, kter\u00fdmi doporu\u010duje bank\u00e1m neposkytovat hypot\u00e9ky nad 95% LTV (tedy zjednodu\u0161en\u011b se jedn\u00e1 o situaci, kdy si v\u011b\u0159itel p\u016fj\u010d\u00ed 95% hodnoty nemovitosti) a hypot\u00e9ky s ukazatelem LTV mezi 85-95% poskytovat jen do v\u00fd\u0161e 10% pod\u00edlu na celkov\u00e9 hodnot\u011b poskytnut\u00fdch \u00fav\u011br\u016f.Od dubna leto\u0161n\u00edho roku by se limity m\u011bly potom znovu sn\u00ed\u017eit a to tak, \u017ee \u00fav\u011bry s LTV 80-90% by m\u011bly tvo\u0159it jen 15% poskytnut\u00fdch \u00fav\u011br\u016f a \u00fav\u011bry s LTV nad 90% by banky nem\u011bly poskytovat v\u016fbec. Jedn\u00e1 se pouze o doporu\u010den\u00ed, m\u00e1 v\u0161ak formu tzv. „comply or explain“, banky by tedy nedodr\u017een\u00ed doporu\u010den\u00ed m\u011bly p\u0159ed \u010cNB d\u00e1le obhajovat. Banky jsou prozat\u00edm zdr\u017eenliv\u00e9 v hodnocen\u00ed dopad\u016f t\u011bchto opat\u0159en\u00ed, shoduj\u00ed se ale v tom, \u017ee hypot\u00e9ky zdra\u017e\u00ed kv\u016fli n\u00e1rok\u016fm na reporting a administrativn\u00ed z\u00e1t\u011b\u017ei vznikl\u00e9 kv\u016fli opat\u0159en\u00ed. Tzn. \u00faroky z hypote\u010dn\u00edch \u00fav\u011bru se zv\u00fd\u0161\u00ed, ale rozd\u00edl v cen\u011b hypot\u00e9k bude kr\u00fdt vy\u0161\u0161\u00ed administrativn\u00ed n\u00e1klady a nebude nutn\u011b znamenat zv\u00fd\u0161en\u00ed \u00farok\u016f z vklad\u016f. Krom\u011b toho se kv\u016fli limit\u016fm je\u0161t\u011b v\u00edce znesnadn\u00ed p\u0159\u00edstup obyvatel k hypot\u00e9k\u00e1m kv\u016fli nutnosti vy\u0161\u0161\u00edch vlastn\u00edch zdroj\u016f a v p\u0159\u00edpad\u011b \u00fav\u011br\u016f s vy\u0161\u0161\u00ed LTV lze p\u0159edpokl\u00e1dat i vy\u0161\u0161\u00ed \u00farokovou sazbu. Pod\u00edv\u00e1m-li se na situaci z pohledu vlastn\u00edka nemovitosti a z\u00e1jemce o koupi, bl\u00fdsk\u00e1 se snad na lep\u0161\u00ed \u010dasy kupuj\u00edc\u00edmu, proto\u017ee celkov\u00e1 situace a ni\u017e\u0161\u00ed dostupnost \u00fav\u011br\u016f by m\u011bly tla\u010dit ceny nemovitost\u00ed dol\u016f. Na druhou stranu se na tuto situaci mohou t\u011b\u0161it jen kupuj\u00edc\u00ed, kte\u0159\u00ed maj\u00ed zaji\u0161t\u011bn dostatek vlastn\u00edch financ\u00ed, proto\u017ee tzv. 100% hypot\u00e9ky ji\u017e prakticky skon\u010dily. A investo\u0159i, kte\u0159\u00ed by r\u00e1di sv\u00e9 pen\u00edze v\u00fdhodn\u011b investovali, z n\u00e1r\u016fstu cen hypot\u00e9k profitovat nebudou – musej\u00ed si sp\u00ed\u0161e po\u010dkat na konec intervenc\u00ed \u010cNB v oblasti kurzu CZK\/EUR.                                                                                                                                                                                                                                                                                                                                                                                        3.8\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Zm\u011bny na hypote\u010dn\u00edm trhu","item":"https:\/\/www.lopes.cz\/zmeny-na-hypotecnim-trhu\/#breadcrumbitem"}]}]