{"id":215,"date":"2026-03-03T06:42:30","date_gmt":"2026-03-03T05:42:30","guid":{"rendered":"https:\/\/hypo-online.cz\/blog\/?p=215"},"modified":"2026-03-02T18:55:57","modified_gmt":"2026-03-02T17:55:57","slug":"investicni-hypoteky-co-se-zmeni","status":"publish","type":"post","link":"https:\/\/hypo-online.cz\/blog\/2026\/03\/03\/investicni-hypoteky-co-se-zmeni\/","title":{"rendered":"Investi\u010dn\u00ed hypot\u00e9ky &#8211; co se zm\u011bn\u00ed?"},"content":{"rendered":"<article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-(--header-height)\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"2efc09be-151b-4d52-bc84-53917f817b66\" data-testid=\"conversation-turn-7\" data-scroll-anchor=\"false\" data-turn=\"user\"><\/article>\n<article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:3aba95e6-8727-47ed-b469-44a83333db7f-3\" data-testid=\"conversation-turn-8\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\">\n<div class=\"flex max-w-full flex-col grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"7c7b0e4c-5928-45b9-8d38-e00c7c0dcc4a\" data-message-model-slug=\"gpt-5-2\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\">\n<div class=\"markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\">\n<p data-start=\"0\" data-end=\"339\">Od 1. dubna 2026 za\u010dnou platit p\u0159\u00edsn\u011bj\u0161\u00ed pravidla pro investi\u010dn\u00ed hypot\u00e9ky. Zm\u011bna se vztahuje na v\u0161echny nov\u011b podepsan\u00e9 hypote\u010dn\u00ed smlouvy od tohoto data. Dopadne na klienty, kte\u0159\u00ed si cht\u011bj\u00ed po\u0159\u00eddit t\u0159et\u00ed a dal\u0161\u00ed nemovitost nebo kupuj\u00ed nemovitost za \u00fa\u010delem investice \u010di pron\u00e1jmu. Nej\u010dast\u011bji p\u016fjde o byty, rodinn\u00e9 domy nebo rekrea\u010dn\u00ed objekty.<\/p>\n<h3 data-start=\"341\" data-end=\"363\">Koho se zm\u011bna t\u00fdk\u00e1<\/h3>\n<p data-start=\"365\" data-end=\"649\">O p\u0159\u00edsn\u011bj\u0161\u00edm posuzov\u00e1n\u00ed rozhoduje po\u010det vlastn\u011bn\u00fdch nemovitost\u00ed, nikoli po\u010det sjednan\u00fdch hypot\u00e9k. Pokud tedy klient vlastn\u00ed dv\u011b nemovitosti a \u017e\u00e1d\u00e1 o \u00fav\u011br na t\u0159et\u00ed, banka jeho \u017e\u00e1dost vyhodnot\u00ed podle nov\u00fdch pravidel. Nez\u00e1le\u017e\u00ed na tom, jak nemovitosti z\u00edskal ani zda je financoval \u00fav\u011brem.<\/p>\n<p data-start=\"651\" data-end=\"888\">Banka bude postupovat podle doporu\u010den\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky a nov\u00e1 pravidla uplatn\u00ed u v\u0161ech dot\u010den\u00fdch \u017e\u00e1dost\u00ed. Pokud si klient nen\u00ed jist\u00fd, zda se ho zm\u011bna t\u00fdk\u00e1, m\u016f\u017ee svou situaci konzultovat s bank\u00e9\u0159em a proj\u00edt dal\u0161\u00ed mo\u017enosti financov\u00e1n\u00ed.<\/p>\n<h3 data-start=\"890\" data-end=\"927\">Co se m\u011bn\u00ed u investi\u010dn\u00edch hypot\u00e9k<\/h3>\n<p data-start=\"929\" data-end=\"1176\">Nov\u011b m\u016f\u017ee banka poskytnout maxim\u00e1ln\u011b 70 % hodnoty nemovitosti (ukazatel LTV). Z\u00e1rove\u0148 celkov\u00e9 zadlu\u017een\u00ed klienta nesm\u00ed p\u0159ekro\u010dit sedmin\u00e1sobek jeho \u010dist\u00e9ho ro\u010dn\u00edho p\u0159\u00edjmu (ukazatel DTI). Klient tak mus\u00ed po\u010d\u00edtat s vy\u0161\u0161\u00edm pod\u00edlem vlastn\u00edch prost\u0159edk\u016f.<\/p>\n<h3 data-start=\"1178\" data-end=\"1214\">Jak\u00e9 nemovitosti se zapo\u010d\u00edt\u00e1vaj\u00ed<\/h3>\n<p data-start=\"1216\" data-end=\"1647\">Do po\u010dtu vlastn\u011bn\u00fdch obytn\u00fdch nemovitost\u00ed banka zapo\u010d\u00edt\u00e1 v\u0161echny objekty ur\u010den\u00e9 k bydlen\u00ed, a to bez ohledu na jejich vyu\u017eit\u00ed. Pat\u0159\u00ed sem bytov\u00e1 jednotka, ateli\u00e9r slou\u017e\u00edc\u00ed k bydlen\u00ed, rodinn\u00fd d\u016fm, rekrea\u010dn\u00ed objekt i nemovitost v zahrani\u010d\u00ed. Zapo\u010d\u00edt\u00e1v\u00e1 se tak\u00e9 dru\u017estevn\u00ed pod\u00edl spojen\u00fd s pr\u00e1vem n\u00e1jmu dru\u017estevn\u00edho bytu nebo domu. Pokud klient vlastn\u00ed alespo\u0148 50% pod\u00edl na nemovitosti, banka tento pod\u00edl do celkov\u00e9ho po\u010dtu rovn\u011b\u017e zahrne.<\/p>\n<h3 data-start=\"1649\" data-end=\"1682\">Pro\u010d banky postupuj\u00ed p\u0159\u00edsn\u011bji<\/h3>\n<p data-start=\"1684\" data-end=\"2084\" data-is-last-node=\"\" data-is-only-node=\"\">Investi\u010dn\u00ed nemovitosti \u010dasto generuj\u00ed p\u0159\u00edjem z n\u00e1jmu nebo maj\u00ed p\u0159in\u00e9st budouc\u00ed zisk z prodeje. Spl\u00e1cen\u00ed \u00fav\u011bru proto m\u016f\u017ee z\u00e1viset na v\u00fdvoji trhu. \u010cesk\u00e1 n\u00e1rodn\u00ed banka t\u00edmto krokem posiluje stabilitu finan\u010dn\u00edho trhu a podporuje odpov\u011bdn\u00e9 \u00fav\u011brov\u00e1n\u00ed. Banky proto d\u016fkladn\u011bji hodnot\u00ed schopnost klienta spl\u00e1cet, sleduj\u00ed jeho celkovou zadlu\u017eenost a v n\u011bkter\u00fdch p\u0159\u00edpadech vy\u017eaduj\u00ed vy\u0161\u0161\u00ed pod\u00edl vlastn\u00edch zdroj\u016f.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<div id=\"23C09F7B_D5AB_774B_291E_ECDD71ED292D\"><\/div>\n<div id=\"23C09F7B_D5AB_774B_291E_ECDD71ED292D\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Od 1. dubna 2026 za\u010dnou platit p\u0159\u00edsn\u011bj\u0161\u00ed pravidla pro investi\u010dn\u00ed hypot\u00e9ky. Zm\u011bna se vztahuje na v\u0161echny nov\u011b podepsan\u00e9 hypote\u010dn\u00ed smlouvy od tohoto data. Dopadne na [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":216,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[175,29,170,174,167,14,64,166,169,168,88,173,176,172,171],"class_list":["post-215","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene","tag-bankovni-pravidla","tag-ceska-narodni-banka","tag-dti","tag-financni-stabilita","tag-financovani-nemovitosti","tag-hypoteka","tag-investice-do-nemovitosti","tag-investicni-hypoteka","tag-ltv","tag-pronajem-nemovitosti","tag-realitni-trh","tag-regulace-trhu","tag-uverova-politika","tag-vlastni-zdroje","tag-zadluzeni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Investi\u010dn\u00ed hypot\u00e9ky - co se zm\u011bn\u00ed? - 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=\"http:\/\/hypo-online.cz\/blog\/2026\/03\/03\/investicni-hypoteky-co-se-zmeni\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Investi\u010dn\u00ed hypot\u00e9ky - co se zm\u011bn\u00ed? - Hypo Online | Blog\" \/>\n<meta property=\"og:description\" content=\"Od 1. dubna 2026 za\u010dnou platit p\u0159\u00edsn\u011bj\u0161\u00ed pravidla pro investi\u010dn\u00ed hypot\u00e9ky. 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