{"id":6411,"date":"2022-10-19T11:37:24","date_gmt":"2022-10-19T10:37:24","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=6411"},"modified":"2025-04-01T10:29:31","modified_gmt":"2025-04-01T08:29:31","slug":"urokove-sazby-hypotek","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/urokove-sazby-hypotek\/","title":{"rendered":"\u00darokov\u00e9 sazby hypot\u00e9k stoupaj\u00ed. Vyplat\u00ed se \u010dekat?"},"content":{"rendered":"\n

Je\u0161t\u011b v lo\u0148sk\u00e9m roce se \u00farokov\u00e9 sazby hypot\u00e9k pohybovaly na polovin\u011b sou\u010dasn\u00fdch hodnot. Ud\u00e1losti leto\u0161n\u00edho roku ale spole\u010dn\u011b se z\u00e1sahy \u010cesk\u00e9 n\u00e1rodn\u00ed banky, kter\u00e1 zv\u00fd\u0161ila repo sazbu na 7 %, vedly k radik\u00e1ln\u00edmu zdra\u017een\u00ed<\/strong>. <\/p>\n\n\n\n

\u00daroky<\/a> se tak aktu\u00e1ln\u011b nap\u0159\u00ed\u010d bankami pohybuj\u00ed okolo 6 %. A mnoho lid\u00ed, kte\u0159\u00ed o hypot\u00e9ce je\u0161t\u011b ned\u00e1vno uva\u017eovali, za aktu\u00e1ln\u00edch podm\u00ednek na \u00fav\u011br na bydlen\u00ed zkr\u00e1tka nedos\u00e1hne<\/strong>. Jedn\u00e1 se o do\u010dasn\u00fd v\u00fdkyv, nebo se vysok\u00e9 \u00faroky u hypot\u00e9k stanou standardem?
<\/p>\n\n\n\n

CO JE REPO SAZBA?<\/strong><\/em>

Repo sazba je \u00farokov\u00e1 sazba<\/a>, kterou stanovuje \u010cesk\u00e1 n\u00e1rodn\u00ed banka (\u010cNB). U\u017e\u00edv\u00e1 se p\u0159i finan\u010dn\u00edch operac\u00edch na voln\u00e9m trhu a \u010cNB s jej\u00ed pomoc\u00ed reguluje mno\u017estv\u00ed pen\u011bz v ekonomice. Repo sazba se vyu\u017e\u00edv\u00e1 jako maxim\u00e1ln\u00ed sazba \u00faroku v situaci, kdy komer\u010dn\u00ed (obchodn\u00ed) banky vrac\u00ed p\u016fj\u010den\u00e9 pen\u00edze zp\u011bt \u010cNB. Aktu\u00e1ln\u00ed v\u00fd\u0161e repo sazby \u010din\u00ed 7 %.<\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Vlastn\u00ed bydlen\u00ed jako nesplniteln\u00fd sen? <\/strong><\/h2>\n\n\n\n

Aktu\u00e1ln\u00ed situace nazna\u010duje, \u017ee v \u010cesku skon\u010d\u00ed n\u011bkolikalet\u00fd hypote\u010dn\u00ed boom. Ceny nemovitost\u00ed jsou vy\u0161ponovan\u00e9 na maximum a hypot\u00e9ky jsou dostupn\u00e9 pro st\u00e1le m\u00e9n\u011b lid\u00ed<\/strong>. N\u011bkte\u0159\u00ed o hypote\u010dn\u00ed \u00fav\u011br rad\u011bji ani neza\u017e\u00e1daj\u00ed, zat\u00edmco jin\u00ed neprojdou schvalovac\u00edm procesem v bance. A ti, kte\u0159\u00ed p\u0159i \u017e\u00e1dosti o hypot\u00e9ku usp\u011bj\u00ed, se mus\u00ed sm\u00ed\u0159it s vysok\u00fdmi m\u011bs\u00ed\u010dn\u00edmi spl\u00e1tkami, kter\u00e9 mohou citeln\u011b zas\u00e1hnout do jejich rozpo\u010dtu.<\/p>\n\n\n

TIP!<\/div>
Pot\u0159ebujete rezervu na spl\u00e1tku hypot\u00e9ky? M\u011bjte v\u017edy po ruce pen\u00edze nav\u00edc d\u00edky Skip kart\u011b. <\/a><\/b><\/div><\/div>\n\n\n\n

Od dubna 2022 nav\u00edc banky nesm\u011bj\u00ed poskytovat \u00fav\u011bry s LTV (Loan To Value) vy\u0161\u0161\u00edm ne\u017e 80 %<\/strong>, tedy nad 80 % hodnoty zastaven\u00e9 nemovitosti. U \u017eadal\u016f mlad\u0161\u00edch 36 let je tato hranice stanovena na 90 %. To v praxi znamen\u00e1, \u017ee ten, kdo si chce p\u016fj\u010dit 5 000 000 K\u010d a je mu v\u00edce ne\u017e 36 let, mus\u00ed m\u00edt u\u017e na startu na\u0161et\u0159eno minim\u00e1ln\u011b 1 000 000 K\u010d, respektive 500 000 K\u010d, pokud je mu m\u00e9n\u011b ne\u017e 36 let. Jen\u017ee zdaleka ne ka\u017ed\u00fd m\u00e1 takovou \u010d\u00e1stku k dispozici.<\/p>\n\n\n\n

Zv\u00fd\u0161en\u00ed spl\u00e1tek hypot\u00e9ky se ale samoz\u0159ejm\u011b t\u00fdk\u00e1 i lid\u00ed, kte\u0159\u00ed u\u017e hypot\u00e9ku maj\u00ed, ale kon\u010d\u00ed jim fixace \u00farokov\u00e9 sazby<\/strong>. Pokud si hypot\u00e9ku sjednali s \u00farokem okolo 2 %, m\u016f\u017ee se jejich m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka nav\u00fd\u0161it i o n\u011bkolik tis\u00edc korun. P\u0159\u00edli\u0161 jim nepom\u016f\u017ee ani refinancov\u00e1n\u00ed hypot\u00e9ky<\/a>, proto\u017ee \u00farokov\u00e9 sazby jsou aktu\u00e1ln\u011b nap\u0159\u00ed\u010d bankami podobn\u011b vysok\u00e9.<\/p>\n\n\n\n

Pokud chcete zjistit, jestli si hypot\u00e9ku m\u016f\u017eete dovolit, pom\u016f\u017ee v\u00e1m kalkulace hypot\u00e9ky na n\u011bkter\u00e9m ze srovn\u00e1vac\u00edch port\u00e1l\u016f<\/strong>. Do hypote\u010dn\u00ed kalkula\u010dky<\/a> zad\u00e1te p\u00e1r z\u00e1kladn\u00edch \u00fadaj\u016f a b\u011bhem chvilky budete zn\u00e1t v\u00fdpo\u010det spl\u00e1tky<\/a> hypot\u00e9ky. \u00dadaje z kalkula\u010dky ale berte sp\u00ed\u0161 orienta\u010dn\u011b, re\u00e1ln\u00e1 nab\u00eddka od banky se m\u016f\u017ee v\u00fdrazn\u011b li\u0161it. Z\u00edsk\u00e1te ale z\u00e1kladn\u00ed p\u0159edstavu o tom, kolik by hypot\u00e9ka ukrojila z va\u0161ich p\u0159\u00edjm\u016f.<\/p>\n\n\n\n

\"Srovn\u00e1va\u010d
Hypote\u010dn\u00ed kalkula\u010dka v\u00e1m spo\u010d\u00edt\u00e1 orienta\u010dn\u00ed spl\u00e1tku \u00fav\u011bru.<\/figcaption><\/figure>\n\n\n\n

Velk\u00e9 zm\u011bny se konat nebudou, shoduj\u00ed se analytici<\/strong><\/h2>\n\n\n\n

Dobrou zpr\u00e1vou je, \u017ee se podle odborn\u00edk\u016f dal\u0161\u00ed zdra\u017eov\u00e1n\u00ed hypot\u00e9k v bl\u00edzk\u00e9 dob\u011b nechyst\u00e1<\/strong>. Tedy za p\u0159edpokladu, \u017ee nebude eskalovat nap\u011bt\u00ed ohledn\u011b dod\u00e1vek plynu a dal\u0161\u00edch komodit. Na druhou stranu se ale shoduj\u00ed, \u017ee se nebl\u00ed\u017e\u00ed ani v\u00fdrazn\u00fd p\u00e1d \u00farokov\u00fdch sazeb. Pokud ke zlevn\u011bn\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f dojde, bude sp\u00ed\u0161e m\u00edrn\u00e9. <\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

V d\u016fsledku aktu\u00e1ln\u00ed nejist\u00e9 situace se hypote\u010dn\u00ed trh meziro\u010dn\u011b propadl o 80 procent<\/strong>. V d\u016fsledku toho po letech doch\u00e1z\u00ed k poklesu z\u00e1jmu o nemovitosti, kter\u00fd by postupn\u011b mohl v\u00e9st ke sn\u00ed\u017een\u00ed jejich cen. Develope\u0159i se ale shoduj\u00ed, \u017ee v\u00fdrazn\u00e9 zlev\u0148ov\u00e1n\u00ed nepl\u00e1nuj\u00ed, proto\u017ee na druhou stranu stouply ceny energi\u00ed i stavebn\u00edch materi\u00e1l\u016f. <\/p>\n\n\n\n

Co te\u010f \u2013 j\u00edt do hypot\u00e9ky, nebo vy\u010dk\u00e1vat? Jednozna\u010dnou odpov\u011b\u010f pro v\u00e1s nem\u00e1me. Situace na trhu s realitami je ale takov\u00e1, \u017ee developer\u016fm a majitel\u016fm byt\u016f a dom\u016f kv\u016fli sn\u00ed\u017een\u00e9mu z\u00e1jmu o nemovitosti pravd\u011bpodobn\u011b nezbyde nic jin\u00e9ho ne\u017e j\u00edt s cenami dol\u016f<\/strong>. Pokud tedy na vlastn\u00ed bydlen\u00ed nesp\u011bch\u00e1te, je mo\u017en\u00e9, \u017ee se v\u00e1m zanedlouho poda\u0159\u00ed vysn\u011bnou nemovitost po\u0159\u00eddit za ni\u017e\u0161\u00ed cenu.<\/p>\n","protected":false},"excerpt":{"rendered":"

Pr\u016fm\u011brn\u00e1 \u00farokov\u00e1 sazba hypot\u00e9k letos v l\u00e9t\u011b p\u0159ekro\u010dila hranici 6 procent. To je pro \u0159adu lid\u00ed, kte\u0159\u00ed tou\u017e\u00ed po vlastn\u00edm bydlen\u00ed, nep\u0159\u00edjemn\u00e1 komplikace. Budou \u00faroky u hypote\u010dn\u00edch \u00fav\u011br\u016f je\u0161t\u011b stoupat, nebo u\u017e narazily na sv\u016fj strop?<\/p>\n","protected":false},"author":16,"featured_media":6409,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[2304,2286,23,122],"class_list":["post-6411","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-finance","tag-novinky","tag-pujcka","tag-skip-pay","entry"],"acf":[],"yoast_head":"\n\u00darokov\u00e9 sazby hypot\u00e9k stoupaj\u00ed. Vyplat\u00ed se \u010dekat? | Skip Pay<\/title>\n<meta name=\"description\" content=\"\u00darokov\u00e9 sazby hypot\u00e9k v leto\u0161n\u00edm roce p\u0159ekro\u010dily hranici 6 %. \ud83c\udfe1 Je te\u010f ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku, nebo se vyplat\u00ed po\u010dkat?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skippay.cz\/blog\/urokove-sazby-hypotek\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00darokov\u00e9 sazby hypot\u00e9k stoupaj\u00ed. 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