V b\u0159eznu banky a stavebn\u00ed spo\u0159itelny v \u010cesku poskytly hypote\u010dn\u00ed \u00fav\u011bry za 18 miliard korun. Tento objem p\u0159edstavuje n\u00e1r\u016fst o 15 % ve srovn\u00e1n\u00ed s \u00fanorov\u00fdmi \u010d\u00edsly a o polovinu v\u00edce ne\u017e v b\u0159eznu lo\u0148sk\u00e9ho roku. D\u016fle\u017eit\u00fdm ukazatelem je i pokles \u00farokov\u00fdch sazeb nov\u00fdch \u00fav\u011br\u016f na 5,19 %, co\u017e je nejni\u017e\u0161\u00ed hodnota od \u010dervna 2022. Hypot\u00e9ky sjedn\u00e1van\u00e9, p\u0159es n\u00e1\u0161 srovn\u00e1va\u010d pak byly v pr\u016fm\u011bru za 4,82 %. Nicm\u00e9n\u011b, meziro\u010dn\u00ed r\u016fst objemu hypot\u00e9k klesl na 50 %, co\u017e je \u010d\u00e1ste\u010dn\u011b zp\u016fsobeno vy\u0161\u0161\u00ed srovn\u00e1vac\u00ed z\u00e1kladnou z lo\u0148sk\u00e9ho roku, kdy hypote\u010dn\u00ed aktivita za\u010dala o\u017eivovat.<\/p>\n
Velmi zaj\u00edmav\u00fd je i trend rostouc\u00edho z\u00e1jmu o \u00fasporn\u00e9 bydlen\u00ed, co\u017e potvrzuj\u00ed i statistiky \u010cesk\u00e9 bankovn\u00ed asociace Hypomonitor. Po\u010det nov\u011b poskytnut\u00fdch hypot\u00e9k stoupl o 17 % na 4490, co\u017e sv\u011bd\u010d\u00ed o rostouc\u00edm z\u00e1jmu o koupi nemovitost\u00ed. Nicm\u00e9n\u011b, st\u00e1le jsme o t\u00e9m\u011b\u0159 t\u0159etinu pod \u00farovn\u00ed z b\u0159ezna 2020.<\/p>\n
P\u0159esto\u017ee hypote\u010dn\u00ed sazby poklesly, z\u016fst\u00e1vaj\u00ed nadpr\u016fm\u011brn\u011b vysok\u00e9 v porovn\u00e1n\u00ed s posledn\u00edmi dv\u011bma dek\u00e1dami. Tento pokles je d\u016fsledkem celosv\u011btov\u00e9ho trendu k poklesu \u00farokov\u00fdch sazeb, ale st\u00e1le jsou na \u00farovn\u00edch podobn\u00fdch nebo vy\u0161\u0161\u00edch, ne\u017e byly v letech 2008 a 2009.<\/p>\n
Pomalej\u0161\u00ed pokles americk\u00e9 inflace zp\u016fsobil dal\u0161\u00ed p\u0159ehodnocen\u00ed o\u010dek\u00e1van\u00e9 rychlosti sni\u017eov\u00e1n\u00ed \u00farokov\u00fdch sazeb v USA, co\u017e ovlivnilo i tuzemsk\u00e9 \u00farokov\u00e9 sazby. Tr\u017en\u00ed sazby del\u0161\u00edch splatnost\u00ed dos\u00e1hly nejvy\u0161\u0161\u00ed \u00farovn\u011b v leto\u0161n\u00edm roce, co\u017e brzd\u00ed rychl\u00fd pokles hypote\u010dn\u00edch \u00farok\u016f,“ upozornil hlavn\u00ed ekonom \u010cesk\u00e9 bankovn\u00ed asociace Jakub Seidler.<\/p>\n
„Pr\u016fm\u011brn\u00e1 v\u00fd\u0161e hypote\u010dn\u00edch \u00fav\u011br\u016f se op\u011bt zvy\u0161uje, co\u017e je d\u016fsledek rostouc\u00edch cen nemovitost\u00ed,“ dodal Seidler.<\/p>\n
„Klienti o\u010dek\u00e1vaj\u00ed budouc\u00ed pokles \u00farokov\u00fdch sazeb a z\u00e1rove\u0148 se ob\u00e1vaj\u00ed r\u016fstu cen nemovitost\u00ed, co\u017e vede k pravideln\u00e9mu r\u016fstu hypote\u010dn\u00edho trhu,“ komentoval \u010d\u00edsla zemsk\u00fd \u0159editel spole\u010dnosti 4fin Tom\u00e1\u0161 Trau\u0161ke. Podle n\u011bj se aktu\u00e1ln\u011b vol\u00ed kr\u00e1tk\u00e9 fixace se splatnost\u00ed do t\u0159\u00ed let, proto\u017ee se o\u010dek\u00e1v\u00e1 sn\u00ed\u017een\u00ed spl\u00e1tek a zv\u00fd\u0161en\u00ed mezd v budoucnosti.<\/p>\n
Pr\u016fm\u011brn\u00e1 v\u00fd\u0161e hypote\u010dn\u00edch \u00fav\u011br\u016f v b\u0159eznu m\u00edrn\u011b vzrostla na 3,44 milionu korun. R\u016fst hypote\u010dn\u00edch sazeb o jeden procentn\u00ed bod znamen\u00e1 pro pr\u016fm\u011brnou hypot\u00e9ku zv\u00fd\u0161en\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky o 1500 a\u017e 2000 korun, co\u017e je v porovn\u00e1n\u00ed s \u00farokovou sazbou dv\u011b procenta zv\u00fd\u0161en\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky o p\u0159ibli\u017en\u011b 6000 korun.<\/p>\n","protected":false},"excerpt":{"rendered":"
V b\u0159eznu banky a stavebn\u00ed spo\u0159itelny v \u010cesku poskytly hypote\u010dn\u00ed \u00fav\u011bry za 18 miliard korun. Tento objem p\u0159edstavuje n\u00e1r\u016fst o 15 % ve srovn\u00e1n\u00ed s […]<\/p>\n","protected":false},"author":1,"featured_media":143,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[32,27,19,30,37,83,82,28],"class_list":["post-141","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene","tag-bankovnictvi","tag-ekonomika","tag-financni-trh","tag-hypotecni-uvery","tag-inflace","tag-nemovitosti","tag-stavebni-sporitelny","tag-urokove-sazby"],"yoast_head":"\n