P\u0159i sjedn\u00e1v\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru hraje naprosto z\u00e1sadn\u00ed roli d\u00e9lka fixace, kter\u00e1 ur\u010duje obdob\u00ed, po kter\u00e9 budou platit sjednan\u00e9 podm\u00ednky, v\u010detn\u011b \u00farokov\u00e9 sazby a m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek. Tradi\u010dn\u011b byly fixace na 5 let jednou z nejpopul\u00e1rn\u011bj\u0161\u00edch mo\u017enost\u00ed, ale v posledn\u00ed dob\u011b, kdy se \u00farokov\u00e9 sazby pohybovaly na historicky n\u00edzk\u00fdch hodnot\u00e1ch, se staly atraktivn\u00edmi i del\u0161\u00ed fixace, jako jsou nap\u0159\u00edklad sedmilet\u00e9 nebo desetilet\u00e9.<\/p>\n
Mezi roky 2017 a 2019 byly uzav\u0159eny hypot\u00e9ky v hodnot\u011b p\u016fl bilionu korun s pr\u016fm\u011brnou \u00farokovou sazbou 2,4 %. Pr\u00e1v\u011b v tomto obdob\u00ed za\u010daly del\u0161\u00ed fixace z\u00edsk\u00e1vat na obl\u00edbenosti, co\u017e vedlo ke zv\u00fd\u0161en\u00ed pr\u016fm\u011brn\u00e9 d\u00e9lky fixace v roce 2019 na 7,6 let. Av\u0161ak po roce 2021, kdy\u017e do\u0161lo ke zv\u00fd\u0161en\u00ed \u00farokov\u00fdch sazeb, doch\u00e1z\u00ed t\u00edm p\u00e1dem k trendu zkracov\u00e1n\u00ed fixac\u00ed, a pr\u016fm\u011brn\u00e1 doba fixace se sn\u00ed\u017eila na 5,1 roku.<\/p>\n
V p\u0159\u00ed\u0161t\u00edch dvou letech tak budou v\u00fdznamn\u00e1 procenta t\u011bchto hypot\u00e9k dosahovat konce fixa\u010dn\u00edho obdob\u00ed. Kl\u00ed\u010dov\u00fdm faktorem bude v\u00fdvoj \u00farokov\u00fdch sazeb. I kdy\u017e se \u00farokov\u00e9 sazby v posledn\u00edch m\u011bs\u00edc\u00edch m\u00edrn\u011b sni\u017euj\u00ed a v srpnu dos\u00e1hly 5,7 %, tempo tohoto poklesu je pomal\u00e9. To m\u016f\u017ee znamenat, \u017ee budouc\u00ed n\u00e1klady na \u00fav\u011br mohou v budoucnu v\u00fdrazn\u011b stoupat.<\/p>\n
Refinancov\u00e1n\u00ed hypot\u00e9k bude z\u0159ejm\u011b hr\u00e1t v\u00fdznamnou roli v letech 2025 a\u017e 2028, kdy dojde k uplynut\u00ed fixa\u010dn\u00edho obdob\u00ed pro mnoho hypot\u00e9k uzav\u0159en\u00fdch mezi lety 2020 a 2022. V\u011bt\u0161ina t\u011bchto \u00fav\u011br\u016f m\u00e1 sazby kolem 2 %. Je t\u0159eba m\u00edt na pam\u011bti, \u017ee dlouhodob\u011b se standardn\u00ed \u00farokov\u00e9 sazby u hypot\u00e9k na bydlen\u00ed pohybuj\u00ed kolem 4 %. I p\u0159es zv\u00fd\u0161en\u00ed m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek v porovn\u00e1n\u00ed se sou\u010dasn\u00fdm nastaven\u00edm, by zm\u011bna nem\u011bla b\u00fdt n\u00e1hl\u00e1, jak tomu je nyn\u00ed. Nav\u00edc je st\u00e1le \u010das se na tuto zm\u011bnu p\u0159ipravit.<\/p>\n
Je vhodn\u00e9 si tak svou hypote\u010dn\u00ed sazbu porovn\u00e1vat s\u00a0aktu\u00e1ln\u00edmi nab\u00eddkami na trhu. Podle progn\u00f3zy \u010cNB se budou sazby sni\u017eovat nejpozd\u011bji za\u010d\u00e1tkem p\u0159\u00ed\u0161t\u00edho roku.<\/p>\n
P\u0159i sjedn\u00e1v\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru hraje naprosto z\u00e1sadn\u00ed roli d\u00e9lka fixace, kter\u00e1 ur\u010duje obdob\u00ed, po kter\u00e9 budou platit sjednan\u00e9 podm\u00ednky, v\u010detn\u011b \u00farokov\u00e9 sazby a m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek. […]<\/p>\n","protected":false},"author":1,"featured_media":16,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[11,5,13,3,4,10,12,9,7,6,8],"class_list":["post-18","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene","tag-budouci-vyvoj-urokovych-sazeb-pro-hypoteky","tag-delka-fixace-a-jeji-vliv-na-hypotecni-uver","tag-dulezitost-spravne-volby-fixace-pro-hypotecni-uver","tag-hypotecni-fixace","tag-klicovy-faktor-pro-uverove-podminky","tag-ocekavana-naloz-v-letech-2025-2028","tag-priprava-na-zmeny-v-urokovych-sazbach","tag-refinancovani-hypotek","tag-rust-obliby-delsich-fixaci-v-minulych-letech","tag-vyvoj-urokovych-sazeb-a-vyber-fixace","tag-zkracovani-fixacni-doby-po-roce-2021"],"yoast_head":"\n