\u010cesk\u00fd hypote\u010dn\u00ed trh m\u00e1 p\u0159ed sebou pravd\u011bpodobn\u011b dal\u0161\u00ed velmi siln\u00fd rok. Objem nov\u011b poskytnut\u00fdch \u00fav\u011br\u016f na bydlen\u00ed by podle aktu\u00e1ln\u00edch odhad\u016f mohl p\u0159ekonat lo\u0148sk\u00e1 \u010d\u00edsla, kter\u00e1 pat\u0159ila k druh\u00fdm nejlep\u0161\u00edm v historii. Silnou popt\u00e1vku nazna\u010dil u\u017e za\u010d\u00e1tek roku, kdy z\u00e1jem o financov\u00e1n\u00ed bydlen\u00ed z\u016fstal navzdory vy\u0161\u0161\u00edm \u00farokov\u00fdm sazb\u00e1m v\u00fdrazn\u00fd.<\/p>\n
Sou\u010dasn\u00e1 situace v\u0161ak p\u0159in\u00e1\u0161\u00ed jednu z\u00e1sadn\u00ed zm\u011bnu \u2013 banky si mohou klienty v\u00edce vyb\u00edrat a z\u00e1rove\u0148 je d\u016fkladn\u011bji prov\u011b\u0159uj\u00ed ne\u017e v minul\u00fdch letech.<\/p>\n
Banky sleduj\u00ed stabilitu p\u0159\u00edjm\u016f<\/strong><\/p>\n P\u0159i schvalov\u00e1n\u00ed hypot\u00e9ky dnes nehraje hlavn\u00ed roli pouze v\u00fd\u0161e p\u0159\u00edjmu, ale p\u0159edev\u0161\u00edm jeho stabilita a dlouhodob\u00e1 udr\u017eitelnost. Banky detailn\u011b posuzuj\u00ed d\u00e9lku zam\u011bstn\u00e1n\u00ed, typ pracovn\u00edho pom\u011bru i odv\u011btv\u00ed, ve kter\u00e9m \u017eadatel pracuje.<\/p>\n Je\u0161t\u011b p\u0159\u00edsn\u011bj\u0161\u00ed hodnocen\u00ed \u010dek\u00e1 podnikatele nebo osoby s nepravideln\u00fdmi p\u0159\u00edjmy. Vy\u0161\u0161\u00ed spl\u00e1tky hypot\u00e9k toti\u017e znamenaj\u00ed v\u011bt\u0161\u00ed citlivost na p\u0159\u00edpadn\u00fd v\u00fdpadek p\u0159\u00edjm\u016f, a finan\u010dn\u00ed instituce proto v\u00edce analyzuj\u00ed schopnost klienta spl\u00e1cet i v m\u00e9n\u011b p\u0159\u00edzniv\u00fdch obdob\u00edch.<\/p>\n Problematick\u00e9 jsou exekuce i dal\u0161\u00ed \u00fav\u011bry<\/strong><\/p>\n Nejslo\u017eit\u011bj\u0161\u00ed situaci maj\u00ed \u017eadatel\u00e9, kte\u0159\u00ed se v minulosti dostali do exekuce nebo insolvence. Banky je zpravidla vn\u00edmaj\u00ed jako vysoce rizikov\u00e9 klienty, co\u017e v\u00fdrazn\u011b sni\u017euje jejich \u0161anci na z\u00edsk\u00e1n\u00ed hypot\u00e9ky.<\/p>\n Komplikace mohou nastat tak\u00e9 u lid\u00ed, kte\u0159\u00ed ji\u017e spl\u00e1cej\u00ed jin\u00e9 \u00fav\u011bry. V takov\u00e9m p\u0159\u00edpad\u011b mus\u00ed prok\u00e1zat, \u017ee nov\u00e9 spl\u00e1tky nep\u0159et\u00ed\u017e\u00ed jejich rozpo\u010det a \u017ee jejich celkov\u00e9 zadlu\u017een\u00ed z\u016fstane dlouhodob\u011b zvl\u00e1dnuteln\u00e9.<\/p>\n V\u00fdhodu maj\u00ed klienti s vlastn\u00edmi \u00fasporami<\/strong><\/p>\n Naopak ve v\u00fdhodn\u011bj\u0161\u00ed pozici jsou \u017eadatel\u00e9, kte\u0159\u00ed disponuj\u00ed vy\u0161\u0161\u00edm pod\u00edlem vlastn\u00edch prost\u0159edk\u016f. \u010c\u00edm v\u011bt\u0161\u00ed \u010d\u00e1st kupn\u00ed ceny dok\u00e1\u017ee klient financovat z vlastn\u00edch zdroj\u016f, t\u00edm ni\u017e\u0161\u00ed riziko p\u0159edstavuje pro banku. To se n\u00e1sledn\u011b prom\u00edt\u00e1 nejen do vy\u0161\u0161\u00ed \u0161ance na schv\u00e1len\u00ed \u00fav\u011bru, ale \u010dasto i do v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek.<\/p>\n Rozd\u00edly mezi jednotliv\u00fdmi klienty se tak postupn\u011b prohlubuj\u00ed. Bonitn\u011bj\u0161\u00ed \u017eadatel\u00e9 s vy\u0161\u0161\u00edmi p\u0159\u00edjmy a \u00fasporami mohou dos\u00e1hnout na lep\u0161\u00ed \u00farokov\u00e9 sazby ne\u017e lid\u00e9 s ni\u017e\u0161\u00ed finan\u010dn\u00ed rezervou.<\/p>\n Energeticky \u00fasporn\u00e9 bydlen\u00ed p\u0159in\u00e1\u0161\u00ed v\u00fdhodu<\/strong><\/p>\n Banky z\u00e1rove\u0148 st\u00e1le v\u00edce zohled\u0148uj\u00ed energetickou n\u00e1ro\u010dnost financovan\u00fdch nemovitost\u00ed. Domy a byty s lep\u0161\u00edm energetick\u00fdm \u0161t\u00edtkem p\u0159edstavuj\u00ed ni\u017e\u0161\u00ed dlouhodob\u00e9 n\u00e1klady na provoz, a tedy i men\u0161\u00ed riziko pro spl\u00e1cen\u00ed \u00fav\u011bru.<\/p>\n Nemovitosti za\u0159azen\u00e9 do energetick\u00fdch t\u0159\u00edd A nebo B proto mohou z\u00edskat m\u00edrn\u011b v\u00fdhodn\u011bj\u0161\u00ed \u00farokov\u00e9 sazby, obvykle o 0,1 a\u017e 0,2 procentn\u00edho bodu.<\/p>\n Z\u00e1jem o hypot\u00e9ky z\u016fst\u00e1v\u00e1 vysok\u00fd<\/strong><\/p>\n Popt\u00e1vku po hypot\u00e9k\u00e1ch podporuje tak\u00e9 pokra\u010duj\u00edc\u00ed r\u016fst cen nemovitost\u00ed. Zdra\u017eov\u00e1n\u00ed p\u0159im\u011blo \u010d\u00e1st z\u00e1jemc\u016f urychlit rozhodnut\u00ed o n\u00e1kupu, aby p\u0159ede\u0161li dal\u0161\u00edmu r\u016fstu cen.<\/p>\n Podle Hypomonitoru \u010cesk\u00e9 bankovn\u00ed asociace dos\u00e1hl objem nov\u00fdch hypote\u010dn\u00edch \u00fav\u011br\u016f v lednu 27,2 miliardy korun. Oproti prosinci sice jde o m\u00edrn\u00fd pokles, meziro\u010dn\u011b v\u0161ak objem vzrostl p\u0159ibli\u017en\u011b o 45 procent.<\/p>\n \u201eLednov\u00e1 \u010d\u00edsla nov\u00fdch hypot\u00e9k sice poklesla k 27 miliard\u00e1m korun, ale sez\u00f3nn\u011b o\u010di\u0161t\u011bn\u00fd odhad poukazuje na velmi siln\u00fd m\u011bs\u00edc,\u201c uvedl Jarom\u00edr \u0160indel, hlavn\u00ed ekonom \u010cesk\u00e9 bankovn\u00ed asociace.<\/p>\n Hypot\u00e9ky mohou letos p\u0159ekonat p\u016fl bilionu korun<\/strong><\/p>\n Podle aktu\u00e1ln\u00edch predikc\u00ed by si \u010ce\u0161i mohli letos sjednat hypot\u00e9ky a \u00fav\u011bry ze stavebn\u00edho spo\u0159en\u00ed v celkov\u00e9m objemu p\u0159esahuj\u00edc\u00edm 500 miliard korun. To by znamenalo meziro\u010dn\u00ed n\u00e1r\u016fst zhruba o 60 miliard korun a potvrzen\u00ed pokra\u010duj\u00edc\u00edho o\u017eiven\u00ed hypote\u010dn\u00edho trhu.<\/p>\n Hypote\u010dn\u00ed trh vstupuje do obdob\u00ed siln\u00e9 popt\u00e1vky, ale z\u00e1rove\u0148 p\u0159\u00edsn\u011bj\u0161\u00edho posuzov\u00e1n\u00ed klient\u016f. Banky dnes kladou v\u011bt\u0161\u00ed d\u016fraz na stabilitu p\u0159\u00edjm\u016f, v\u00fd\u0161i vlastn\u00edch \u00faspor i energetickou kvalitu nemovitosti. Z\u00edsk\u00e1n\u00ed hypot\u00e9ky tak z\u016fst\u00e1v\u00e1 dostupn\u00e9, av\u0161ak v\u00edce ne\u017e d\u0159\u00edve z\u00e1vis\u00ed na celkov\u00e9 finan\u010dn\u00ed kondici \u017eadatele.<\/p>\n <\/p>\n \u010cesk\u00fd hypote\u010dn\u00ed trh m\u00e1 p\u0159ed sebou pravd\u011bpodobn\u011b dal\u0161\u00ed velmi siln\u00fd rok. Objem nov\u011b poskytnut\u00fdch \u00fav\u011br\u016f na bydlen\u00ed by podle aktu\u00e1ln\u00edch odhad\u016f mohl p\u0159ekonat lo\u0148sk\u00e1 \u010d\u00edsla, […]<\/p>\n","protected":false},"author":1,"featured_media":213,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[102,153,86,157,160,14,64,151,156,138,139,125,152,128,155,158,161,142,159,140,88,154,150],"class_list":["post-212","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene","tag-bydleni","tag-dispozice-bytu","tag-financovani-bydleni","tag-fond-oprav","tag-hodnota-nemovitosti","tag-hypoteka","tag-investice-do-nemovitosti","tag-jak-vybrat-nemovitost","tag-katastr-nemovitosti","tag-koupe-bytu","tag-koupe-domu","tag-koupe-nemovitosti","tag-lokalita-nemovitosti","tag-nemovitosti-cesko","tag-pravni-kontrola-nemovitosti","tag-prohlidka-bytu","tag-realitni-investice","tag-realitni-poradenstvi","tag-realitni-rady","tag-realitni-tipy","tag-realitni-trh","tag-technicky-stav-nemovitosti","tag-vyber-nemovitosti"],"yoast_head":"\n