{"id":146,"date":"2024-04-29T11:17:47","date_gmt":"2024-04-29T09:17:47","guid":{"rendered":"https:\/\/hypo-online.cz\/blog\/?p=146"},"modified":"2024-04-29T11:17:47","modified_gmt":"2024-04-29T09:17:47","slug":"banky-v-pasti-klienti-usiluji-o-levnejsi-hypoteky-regulace-jim-to-usnadnuje","status":"publish","type":"post","link":"https:\/\/hypo-online.cz\/blog\/2024\/04\/29\/banky-v-pasti-klienti-usiluji-o-levnejsi-hypoteky-regulace-jim-to-usnadnuje\/","title":{"rendered":"&#8222;Banky v pasti: Klienti usiluj\u00ed o levn\u011bj\u0161\u00ed hypot\u00e9ky, regulace jim to usnad\u0148uje&#8220;"},"content":{"rendered":"<p>Banky postupn\u011b sni\u017euj\u00ed \u00farokov\u00e9 sazby hypot\u00e9k. N\u00e1hl\u00fd pokles \u00farokov\u00fdch sazeb by mohl vyvolat vlnu refinancov\u00e1n\u00ed nebo tlaku na banky, aby sn\u00ed\u017eily sazby b\u011bhem fixace. I kdy\u017e m\u00edrn\u00e9 poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed poskytuj\u00ed klient\u016fm v\u011bt\u0161\u00ed flexibilitu, banky se ob\u00e1vaj\u00ed rizika ztr\u00e1ty klient\u016f.<\/p>\n<p>V praxi je mo\u017en\u00e9 d\u00edky r\u016fzn\u00fdm slev\u00e1m a vyjedn\u00e1v\u00e1n\u00ed z\u00edskat hypote\u010dn\u00ed \u00farokov\u00e9 sazby i pod 5 % p.a. Nab\u00eddkov\u00e9 sazby bez slev se v\u0161ak st\u00e1le pr\u016fm\u011brn\u011b pohybuj\u00ed mezi 5,3 a\u017e 5,5 %. Podle odborn\u00edk\u016f by m\u011bly hypot\u00e9ky zlev\u0148ovat rychleji.<\/p>\n<p>Jedn\u00edm z faktor\u016f, kter\u00fd br\u00e1n\u00ed v\u00fdrazn\u011bj\u0161\u00edmu poklesu hypote\u010dn\u00edch \u00farokov\u00fdch sazeb, je mo\u017enost splatit hypot\u00e9ku prakticky kdykoliv. &#8222;Nov\u00e1 podoba z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru ji\u017e nyn\u00ed poci\u0165uje negativn\u00ed d\u016fsledky ve form\u011b nadm\u011brn\u011b vysok\u00fdch \u00farokov\u00fdch sazeb,&#8220; upozor\u0148uje David Eim, m\u00edstop\u0159edseda p\u0159edstavenstva spole\u010dnosti Gepard Finance.<\/p>\n<p>Flexibilita p\u0159i spl\u00e1cen\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f roste. Z\u00e1kon sice stanovuje \u00fahradu za splacen\u00ed \u00fav\u011bru b\u011bhem fixace, ale jej\u00ed v\u00fd\u0161e je zanedbateln\u00e1,&#8220; poznamen\u00e1v\u00e1 David Eim. Hypot\u00e9ku lze doplatit bez poplatk\u016f na konci fixace, ka\u017edoro\u010dn\u011b je t\u00e9\u017e mo\u017en\u00e9 splatit a\u017e \u010dtvrtinu \u00fav\u011bru zdarma a existuje i \u0159ada situac\u00ed, kdy lze \u00fav\u011br jednor\u00e1zov\u011b doplatit bez sankc\u00ed i b\u011bhem fixace. Novela z\u00e1kona od leto\u0161ka tento okruh d\u00e1le roz\u0161\u00ed\u0159ila o p\u0159\u00edpady vypo\u0159\u00e1d\u00e1n\u00ed spole\u010dn\u00e9ho jm\u011bn\u00ed man\u017eel\u016f p\u0159i rozvodu a prodej nemovitosti po dvou letech od jej\u00edho n\u00e1kupu.<\/p>\n<p>Navzdory nov\u00fdm \u00faprav\u00e1m z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kter\u00e9 se t\u00fdkaj\u00ed tzv. &#8222;\u00fa\u010deln\u011b vynalo\u017een\u00fdch n\u00e1klad\u016f&#8220;, je\u017e m\u016f\u017ee banka klientovi \u00fa\u010dtovat za nedodr\u017een\u00ed fixace, je tato \u010d\u00e1stka nov\u011b omezena na 1 % z celkov\u00e9ho objemu mimo\u0159\u00e1dn\u00e9 spl\u00e1tky. \u201eJde o velmi kompromisn\u00ed opat\u0159en\u00ed, kter\u00e9 pravd\u011bpodobn\u011b nebude m\u00edt v praxi p\u0159\u00edli\u0161 velk\u00fd efekt. V p\u0159\u00edpad\u011b poklesu \u00farokov\u00fdch sazeb m\u016f\u017ee b\u00fdt \u0159ada klient\u016f neochotn\u00e1 \u010dekat s refinancov\u00e1n\u00edm hypot\u00e9ky a\u017e do konce fixace,\u201c p\u0159edpokl\u00e1d\u00e1 David Eim.<\/p>\n<p>Na jedn\u00e9 stran\u011b st\u00e1le p\u016fsob\u00ed konkurence na trhu, co\u017e tla\u010d\u00ed \u00farokov\u00e9 sazby dol\u016f. Av\u0161ak existuje i riziko spojen\u00e9 s t\u00edm, \u017ee jakmile pokles sazeb dos\u00e1hne ur\u010dit\u00e9 kritick\u00e9 \u00farovn\u011b, za\u010dne se zvy\u0161ovat tlak na refinancov\u00e1n\u00ed nebo na banky, aby sn\u00ed\u017eily st\u00e1vaj\u00edc\u00ed \u00farokov\u00e9 sazby, a to i p\u0159es prob\u00edhaj\u00edc\u00ed fixaci,&#8220; popisuje David Eim. O\u010dek\u00e1v\u00e1, \u017ee b\u011bhem tohoto roku se nab\u00eddkov\u00e9 sazby p\u0159ibl\u00ed\u017e\u00ed \u00farovni 4,5 procenta. Takovou \u00farove\u0148 bychom se m\u011bli nau\u010dit vn\u00edmat jako b\u011b\u017enou, proto\u017ee mo\u017enost p\u0159ed\u010dasn\u00e9ho splacen\u00ed fixovan\u00e9 hypot\u00e9ky bez v\u00fdznamn\u00fdch poplatk\u016f m\u00e1 svou cenu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Banky postupn\u011b sni\u017euj\u00ed \u00farokov\u00e9 sazby hypot\u00e9k. N\u00e1hl\u00fd pokles \u00farokov\u00fdch sazeb by mohl vyvolat vlnu refinancov\u00e1n\u00ed nebo tlaku na banky, aby sn\u00ed\u017eily sazby b\u011bhem fixace. I [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":147,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-146","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>&quot;Banky v pasti: Klienti usiluj\u00ed o levn\u011bj\u0161\u00ed hypot\u00e9ky, regulace jim to usnad\u0148uje&quot; - Hypo Online | Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hypo-online.cz\/blog\/2024\/04\/29\/banky-v-pasti-klienti-usiluji-o-levnejsi-hypoteky-regulace-jim-to-usnadnuje\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"&quot;Banky v pasti: Klienti usiluj\u00ed o levn\u011bj\u0161\u00ed hypot\u00e9ky, regulace jim to usnad\u0148uje&quot; - Hypo Online | Blog\" \/>\n<meta property=\"og:description\" content=\"Banky postupn\u011b sni\u017euj\u00ed \u00farokov\u00e9 sazby hypot\u00e9k. 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