{"id":24,"date":"2023-10-31T10:32:39","date_gmt":"2023-10-31T09:32:39","guid":{"rendered":"https:\/\/hypo-online.cz\/blog\/?p=24"},"modified":"2024-01-09T12:48:06","modified_gmt":"2024-01-09T11:48:06","slug":"pokuta-za-doplaceni-hypoteky","status":"publish","type":"post","link":"https:\/\/hypo-online.cz\/blog\/2023\/10\/31\/pokuta-za-doplaceni-hypoteky\/","title":{"rendered":"Pokuta za doplacen\u00ed hypot\u00e9ky?"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-25\" src=\"http:\/\/hypo-online.cz\/blog\/wp-content\/uploads\/2023\/10\/aaa-300x199.jpg\" alt=\"\" width=\"300\" height=\"199\" srcset=\"https:\/\/hypo-online.cz\/blog\/wp-content\/uploads\/2023\/10\/aaa-300x199.jpg 300w, https:\/\/hypo-online.cz\/blog\/wp-content\/uploads\/2023\/10\/aaa.jpg 596w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>Vl\u00e1da se intenzivn\u011b zab\u00fdv\u00e1 p\u0159ipravovan\u00fdmi zm\u011bnami v pravidlech t\u00fdkaj\u00edc\u00edch se p\u0159ed\u010dasn\u00e9ho splacen\u00ed hypot\u00e9k a sna\u017e\u00ed se revidovat regulace, kter\u00e9 d\u0159\u00edve slou\u017eily, aby udr\u0159\u017eely klienty v jedn\u00e9 bance. Tato snaha vyvol\u00e1v\u00e1 hlavn\u011b obavy ohledn\u011b mo\u017en\u00e9ho zdra\u017een\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f a zav\u00e1d\u011bn\u00ed variabiln\u00edch spl\u00e1tek, co\u017e by mohlo m\u00edt v\u00fdznamn\u00e9 dopady na finan\u010dn\u00ed situaci klient\u016f a stabilitu cel\u00e9ho hypote\u010dn\u00edho trhu.<\/p>\n<p>Pr\u00e1v\u011b v posledn\u00edm \u00fatern\u00edm jedn\u00e1n\u00ed Poslaneck\u00e9 sn\u011bmovny za\u010daly tyto zm\u011bny nab\u00edrat jasn\u011bj\u0161\u00ed kontury. Jednou z kl\u00ed\u010dov\u00fdch zm\u011bn, kter\u00e9 se projedn\u00e1vaj\u00ed, je snaha o omezen\u00ed poplatk\u016f spojen\u00fdch s p\u0159ed\u010dasn\u00fdm splacen\u00edm hypote\u010dn\u00edch \u00fav\u011br\u016f. V sou\u010dasn\u00e9 dob\u011b tyto poplatky \u010dasto zahrnuj\u00ed tzv. &#8222;administrativn\u00ed n\u00e1klady&#8220;, kter\u00e9 se pohybuj\u00ed ve stovk\u00e1ch a\u017e tis\u00edc\u00edch korun. Tato iniciativa je sou\u010d\u00e1st\u00ed novely t\u00fdkaj\u00edc\u00ed se spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f, kter\u00e1 pro\u0161la do t\u0159et\u00edho \u010dten\u00ed.<\/p>\n<p>Nicm\u00e9n\u011b st\u00e1le z\u016fst\u00e1vaj\u00ed otazn\u00edky ohledn\u011b stanoven\u00ed maxim\u00e1ln\u00ed v\u00fd\u0161e t\u011bchto poplatk\u016f. Doposud se hovo\u0159ilo o maxim\u00e1ln\u011b 2% z nesplacen\u00e9 \u010d\u00e1stky \u00fav\u011bru. Nyn\u00ed se v\u0161ak objevil pozm\u011b\u0148ovac\u00ed n\u00e1vrh, kter\u00fd by tento poplatek sn\u00ed\u017eil na polovinu, tedy na jedno procento. Poslanci Vojt\u011bch Munzar (ODS) a Michael Kohajda (KDU-\u010cSL) jsou auto\u0159i tohoto n\u00e1vrhu a doufaj\u00ed, \u017ee sn\u00ed\u017een\u00ed poplatku na jedno procento bude spravedliv\u011bj\u0161\u00ed.<\/p>\n<p>Konkr\u00e9tn\u011b navrhuj\u00ed, aby klient platil nejv\u00edce 0,25 % z nesplacen\u00e9 \u010d\u00e1stky za ka\u017ed\u00fd za\u010dat\u00fd rok do konce fixace, s celkov\u00fdm stropem 1 % z nesplacen\u00e9 \u010d\u00e1stky. Jak tato novinka bude nakonec zv\u00e1\u017eena je st\u00e1le otev\u0159en\u00e1 ot\u00e1zka.<\/p>\n<p>Hypote\u010dn\u00ed experti v\u0161ak zd\u016fraz\u0148uj\u00ed, \u017ee dokonce i jedno procento by mohlo b\u00fdt pro banky n\u00edzk\u00e9, a ob\u00e1vaj\u00ed se, \u017ee to neposkytne dostate\u010dnou ochranu proti p\u0159esun\u016fm klient\u016f mezi bankami. Zd\u016fraz\u0148uj\u00ed, \u017ee by to mohlo v\u00e9st ke zdra\u017een\u00ed dlouhodob\u00fdch fixac\u00ed hypot\u00e9k, co\u017e by mohlo m\u00edt negativn\u00ed dopad na klienty.<\/p>\n<p>Prvn\u00ed banka v \u010cesku ji\u017e zareagovala na tuto situaci a zv\u00fd\u0161ila \u00farokov\u00e9 sazby u sedmilet\u00fdch a desetilet\u00fdch hypot\u00e9k. Tato zm\u011bna m\u016f\u017ee m\u00edt negativn\u00ed dopad na dostupnost bydlen\u00ed v \u010cesk\u00e9 republice a otev\u00edr\u00e1 ot\u00e1zku, zda dal\u0161\u00ed banky budou n\u00e1sledovat t\u00edmto krokem.<\/p>\n<p>Jedn\u00edm z kl\u00ed\u010dov\u00fdch faktor\u016f v t\u00e9to debat\u011b je pot\u0159eba upravit pravidla ohledn\u011b p\u0159ed\u010dasn\u00e9ho splacen\u00ed hypot\u00e9ky tak, aby byla legislativn\u00ed situace jasn\u00e1 a srozumiteln\u00e1 pro v\u0161echny z\u00fa\u010dastn\u011bn\u00e9 strany. Klienti by m\u011bli m\u00edt jasn\u00fd obraz o tom, za jak\u00fdch podm\u00ednek mohou p\u0159ed\u010dasn\u011b splatit sv\u016fj \u00fav\u011br, a banky by m\u011bly v\u011bd\u011bt, jak\u00e9 jsou jejich povinnosti v t\u00e9to oblasti. To by m\u011blo pomoci zajistit spravedliv\u00fd a transparentn\u00ed syst\u00e9m pro v\u0161echny zainteresovan\u00e9 strany.<\/p>\n<p>Pokud V\u00e1s toto t\u00e9ma zaj\u00edm\u00e1 m\u016f\u017eete s n\u00e1m celou v\u011bc prodiskutovat. Kvalitn\u00ed servisn\u00ed spole\u010dnost v\u00e1m m\u016f\u017ee pomoci tuto situaci nejen vy\u0159e\u0161it, ale hlavn\u011b j\u00ed p\u0159edch\u00e1zet.<\/p>\n<div id=\"23C09F7B_D5AB_774B_291E_ECDD71ED292D\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Vl\u00e1da se intenzivn\u011b zab\u00fdv\u00e1 p\u0159ipravovan\u00fdmi zm\u011bnami v pravidlech t\u00fdkaj\u00edc\u00edch se p\u0159ed\u010dasn\u00e9ho splacen\u00ed hypot\u00e9k a sna\u017e\u00ed se revidovat regulace, kter\u00e9 d\u0159\u00edve slou\u017eily, aby udr\u0159\u017eely klienty [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":58,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[22,18,23,19,14,25,21,24,17,16,15,26,20],"class_list":["post-24","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene","tag-bankovni-poplatky","tag-bankovni-regulace","tag-dlouhodobe-fixace-urokovych-sazeb","tag-financni-trh","tag-hypoteka","tag-nejlevnejsi-hypoteka","tag-novela-spotrebitelskeho-uveru","tag-online-hypoteka","tag-poplatky-za-splaceni-hypoteky","tag-predcasne-splaceni-hypoteky","tag-regulace-hypotecniho-trhu","tag-srovnani-hypotek","tag-zdrazeni-hypotecnich-uveru"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pokuta za doplacen\u00ed hypot\u00e9ky? 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