Navzdory tomu, \u017ee \u00farokov\u00e9 sazby z\u016fst\u00e1vaj\u00ed relativn\u011b vysok\u00e9 a po dlouh\u00e9m obdob\u00ed stagnace klesly jen m\u00edrn\u011b pod hranici 5 %, z\u00e1jem o hypot\u00e9ky v \u010cesk\u00e9 republice st\u00e1le roste. Realitn\u00ed trh koncem l\u00e9ta vyk\u00e1zal zn\u00e1mky dlouho o\u010dek\u00e1van\u00e9ho o\u017eiven\u00ed a srpen p\u0159inesl rekordn\u00ed v\u00fdsledky v mnoha sm\u011brech. Objem poskytnut\u00fdch hypot\u00e9k meziro\u010dn\u011b vzrostl o 130 %, co\u017e nazna\u010duje trval\u00fd z\u00e1jem o vlastn\u00ed bydlen\u00ed. I kdy\u017e v z\u00e1\u0159\u00ed do\u0161lo k m\u00edrn\u00e9mu ochlazen\u00ed, celkov\u00fd trend r\u016fstu z\u00e1jmu o hypote\u010dn\u00ed \u00fav\u011bry pokra\u010duje. \u010cBA Hypomonitor, kter\u00fd zpracov\u00e1v\u00e1 data v\u0161ech bank a stavebn\u00edch spo\u0159itelen v \u010cR, potvrzuje na trhu stabiln\u00ed r\u016fstov\u00fd v\u00fdvoj.<\/p>\n
V srpnu banky a spo\u0159itelny poskytly hypot\u00e9ky v hodnot\u011b p\u0159es 32 miliard K\u010d, z \u010deho\u017e 26 miliard p\u0159ipadlo na nov\u00e9 \u00fav\u011bry. To p\u0159edstavuje mezim\u011bs\u00ed\u010dn\u00ed n\u00e1r\u016fst o t\u0159etinu a nejvy\u0161\u0161\u00ed objem od za\u010d\u00e1tku roku 2022. V\u00fdznamn\u00fd vliv m\u011bl nov\u00fd z\u00e1kon, kter\u00fd upravil podm\u00ednky p\u0159ed\u010dasn\u00e9ho splacen\u00ed, co\u017e vedlo k n\u00e1r\u016fstu uzav\u0159en\u00fdch hypot\u00e9k p\u0159ed jeho \u00fa\u010dinnost\u00ed.<\/p>\n
Po srpnov\u00e9m rekordu z\u00e1\u0159\u00ed vyk\u00e1zalo jist\u00e9 zpomalen\u00ed s \u00fav\u011bry ve v\u00fd\u0161i 24 miliard K\u010d, z toho 20 miliard v nov\u00fdch hypot\u00e9k\u00e1ch. P\u0159esto\u017ee mezim\u011bs\u00ed\u010dn\u011b do\u0161lo k poklesu o \u010dtvrtinu, meziro\u010dn\u00ed r\u016fst dos\u00e1hl 80 %. Odborn\u00edci tento v\u00fdvoj p\u0159i\u010d\u00edtaj\u00ed efektu novely z\u00e1kona, kter\u00e1 zv\u00fd\u0161ila z\u00e1jem o hypot\u00e9ky v srpnu.<\/p>\n
Pr\u016fm\u011brn\u00e1 \u00farokov\u00e1 sazba poprv\u00e9 za v\u00edce ne\u017e dva roky poklesla pod 5 % \u2013 konkr\u00e9tn\u011b na 4,96 % v z\u00e1\u0159\u00ed. A\u010dkoliv se o\u010dek\u00e1val v\u00fdrazn\u011bj\u0161\u00ed pokles, jde o pozitivn\u00ed zm\u011bnu. Dal\u0161\u00ed sni\u017eov\u00e1n\u00ed sazeb je o\u010dek\u00e1v\u00e1no, pokud se tr\u017en\u00ed podm\u00ednky nezm\u011bn\u00ed.<\/p>\n
V srpnu pr\u016fm\u011brn\u00e1 v\u00fd\u0161e hypot\u00e9ky vzrostla na 3,95 milionu K\u010d, co\u017e reflektuje vy\u0161\u0161\u00ed p\u0159\u00edjmy dom\u00e1cnost\u00ed i rostouc\u00ed ceny nemovitost\u00ed. S vy\u0161\u0161\u00edmi \u00farokov\u00fdmi sazbami se v\u0161ak zvy\u0161uj\u00ed i m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky \u2013 za p\u016fj\u010den\u00fd milion korun na 30 let nyn\u00ed dom\u00e1cnosti plat\u00ed okolo 5 500 K\u010d m\u011bs\u00ed\u010dn\u011b.<\/p>\n","protected":false},"excerpt":{"rendered":"
Navzdory tomu, \u017ee \u00farokov\u00e9 sazby z\u016fst\u00e1vaj\u00ed relativn\u011b vysok\u00e9 a po dlouh\u00e9m obdob\u00ed stagnace klesly jen m\u00edrn\u011b pod hranici 5 %, z\u00e1jem o hypot\u00e9ky v \u010cesk\u00e9 […]<\/p>\n","protected":false},"author":1,"featured_media":179,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[61,87,92,88,90,28,91,89],"class_list":["post-177","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene","tag-hypotecni-trh","tag-hypoteky-2024","tag-mesicni-splatky","tag-realitni-trh","tag-srpnovy-rekord","tag-urokove-sazby","tag-zajem-o-nemovitosti","tag-zakon-o-predcasnem-splaceni"],"yoast_head":"\n