![\"\"](\"http:\/\/hypo-online.cz\/blog\/wp-content\/uploads\/2023\/10\/hypo-balance-300x150.webp\")
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V\u00fdvoj v hlavn\u00ed \u00farokov\u00e9 sazb\u011b, jen\u017e prob\u00edh\u00e1 pod z\u00e1\u0161titou \u010cesk\u00e9 n\u00e1rodn\u00ed banky, za\u010d\u00edn\u00e1 b\u00fdt patrn\u00fd. Od \u010dervna 2022 se \u00farokov\u00e9 sazby dr\u017eely na sv\u00e9 tehdej\u0161\u00ed \u00farovni, co\u017e bylo posledn\u00ed rozhodnut\u00ed b\u00fdval\u00e9ho guvern\u00e9ra Ji\u0159\u00edho Rusnoka. Nyn\u00ed, s novou bankovn\u00ed radou pod veden\u00edm Ale\u0161e Michla se situace m\u016f\u017ee za\u010d\u00edt m\u011bnit. Guvern\u00e9r Michl ned\u00e1vno uvedl: „Anal\u00fdzou aktu\u00e1ln\u00edch dat, nov\u00fdch progn\u00f3z a nejistot kolem nich budeme rozhodovat. Nemohu v\u00e1m zde p\u0159edem sl\u00edbit konkr\u00e9tn\u00ed opat\u0159en\u00ed, proto\u017ee jsme otev\u0159eni r\u016fzn\u00fdm mo\u017enostem.“<\/p>\n
\u010cesk\u00e1 n\u00e1rodn\u00ed banka m\u00e1 p\u0159ed sebou je\u0161t\u011b dv\u011b m\u011bnov\u00e1 zased\u00e1n\u00ed do konce tohoto roku, kde by mohla reagovat na sou\u010dasnou situaci. Prvn\u00ed z t\u011bchto zased\u00e1n\u00ed je napl\u00e1nov\u00e1no na 2. listopadu, a druh\u00e9 na 21. prosince.<\/p>\n
O\u010dek\u00e1v\u00e1n\u00ed prud\u0161\u00edho poklesu \u00farokov\u00fdch sazeb hypote\u010dn\u00edch \u00fav\u011br\u016f v\u0161ak temperuje Jakub Seidler, hlavn\u00ed ekonom \u010cesk\u00e9 bankovn\u00ed asociace. Seidler poznamenal: „I kdy\u017e o\u010dek\u00e1v\u00e1me sni\u017eov\u00e1n\u00ed \u00farokov\u00fdch sazeb ze strany \u010cesk\u00e9 n\u00e1rodn\u00ed banky v pr\u016fb\u011bhu p\u0159\u00ed\u0161t\u00edho roku, toto sn\u00ed\u017een\u00ed pravd\u011bpodobn\u011b nebude p\u0159\u00edli\u0161 v\u00fdrazn\u00e9. \u00darokov\u00e9 sazby hypot\u00e9k reaguj\u00ed na dlouhodob\u00e9 tr\u017en\u00ed sazby, kter\u00e9 budou podle sou\u010dasn\u00fdch progn\u00f3z jen m\u00edrn\u011b klesat.“<\/p>\n
Mezi bankami ji\u017e prob\u00edh\u00e1 sout\u011b\u017e o nejni\u017e\u0161\u00ed hypote\u010dn\u00ed sazby. Fio banka nab\u00edz\u00ed nejni\u017e\u0161\u00ed sazbu p\u0159i p\u011btilet\u00e9 fixaci (5,18 % ro\u010dn\u011b), Moneta Money Bank s 5,19 % ro\u010dn\u011b t\u011bsn\u011b zaost\u00e1v\u00e1. Moneta se v\u0161ak v\u00fdrazn\u011bji zam\u011b\u0159uje na t\u0159\u00edletou fixaci (5,39 % ro\u010dn\u011b). Pokud m\u00e1te z\u00e1jem o hypot\u00e9ku s jednoletou fixac\u00ed, Fio banka (6,28 % ro\u010dn\u011b) a \u010cSOB (6,29 % ro\u010dn\u011b) jsou nejlep\u0161\u00ed volbou.<\/p>\n
Banky provedly v\u00fdznamn\u00e9 sn\u00ed\u017een\u00ed \u00farokov\u00fdch sazeb,hlavn\u011b Moneta, kter\u00e1 sn\u00ed\u017eila \u00farokovou sazbu o 0,65% u t\u0159\u00edlet\u00e9 fixace. Sn\u00ed\u017een\u00ed prob\u011bhlo tak\u00e9 u jednolet\u00e9 a p\u011btilet\u00e9 fixace v Monet\u011b, Raiffeisenbank a \u010cSOB.<\/p>\n
Jedinou bankou, kter\u00e1 neprovedla \u00fapravy, je mBank, kter\u00e1 pomalu kv\u016fli cen\u011b sv\u00fdch zdroj\u016f zaznamenala praktick\u00fd exit z hypote\u010dn\u00edho trhu. Unicredit Bank zv\u00fd\u0161ila \u00farokovou sazbu u p\u011btilet\u00e9 fixace o 0,1%, ale jej\u00ed sazby se st\u00e1le pohybuj\u00ed v pr\u016fm\u011bru.<\/p>\n
Navzdory v\u0161em krok\u016fm ohledn\u011b z\u00e1kladn\u00ed \u00farokov\u00e9 sazby je z\u0159ejm\u00e9, \u017ee \u00farokov\u00e9 sazby hypot\u00e9k budou nad\u00e1le klesat velmi pomalu. Prudk\u00fd pokles sazeb se nejsp\u00ed\u0161e nepl\u00e1nuje.<\/p>\n
N\u00ed\u017ee uv\u00e1d\u00edme aktu\u00e1ln\u00ed \u00farokov\u00e9 sazby n\u011bkter\u00fdch bank poskytuj\u00edc\u00edch hypote\u010dn\u00ed \u00fav\u011bry. R\u00e1di bychom uvedli, \u017ee v\u011bt\u0161ina sazeb je p\u0159es n\u00e1\u0161 port\u00e1l v\u00fdhodn\u011bj\u0161\u00ed, ne\u017e je b\u011b\u017en\u00fd pr\u016fm\u011br.<\/p>\n
Air Bank: od 5,49% <\/strong>\u00a0Poskytuje hypote\u010dn\u00ed \u00fav\u011bry s r\u016fzn\u00fdmi fixa\u010dn\u00edmi obdob\u00edmi, a to na 2, 3, 5, 7 a 10 let. \u00darokov\u00e1 sazba u t\u011bchto hypot\u00e9k plat\u00ed pro klienty, kte\u0159\u00ed si p\u016fj\u010duj\u00ed od 1,5 milionu korun do 5 milion\u016f korun.<\/p>\n Creditas: od 5,39% <\/strong>Pokud si chcete vz\u00edt hypote\u010dn\u00ed \u00fav\u011br u Creditas, mus\u00edte m\u00edt nemovitost poji\u0161t\u011bnou. V\u00fdb\u011br poji\u0161\u0165ovny z\u00e1vis\u00ed na v\u00e1s, a spl\u00e1cen\u00ed \u00fav\u011bru mus\u00ed prob\u00edhat z \u00fa\u010dtu Creditas, kter\u00fd nab\u00edz\u00ed vedle z\u00e1kladn\u00edho veden\u00ed tak\u00e9 nejb\u011b\u017en\u011bj\u0161\u00ed slu\u017eby zdarma. Pokud si ne\u017e\u00e1d\u00e1te o povinn\u00e9 poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet nebo \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, Creditas v\u00e1m to nep\u0159id\u00e1. Sjedn\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru, zpracov\u00e1n\u00ed a online ocen\u011bn\u00ed nemovitosti jsou poskytov\u00e1ny zdarma.<\/p>\n \u010cesk\u00e1 spo\u0159itelna: od 5,49% <\/strong>\u00darokov\u00e9 sazby \u010cesk\u00e9 spo\u0159itelny zahrnuj\u00ed slevu ve v\u00fd\u0161i 0,5 procentn\u00edho bodu pro klienty, kte\u0159\u00ed spl\u00e1cej\u00ed z aktivn\u00edho Osobn\u00edho \u00fa\u010dtu \u010cS (Osobn\u00ed konto \u010cS). D\u00e1le nab\u00edz\u00ed slevu za sjednan\u00e9 poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet, a to pro p\u0159\u00edpad smrti, pln\u00e9 invalidity, pracovn\u00ed neschopnosti a ztr\u00e1ty zam\u011bstn\u00e1n\u00ed od P\u010cS. V p\u0159\u00edpad\u011b t\u011bchto podm\u00ednek bude \u00farokov\u00e1 sazba sn\u00ed\u017eena.<\/p>\n \u010cSOB: od 5,59%<\/strong> Hypot\u00e9ky poskytuj\u00ed p\u0159es jejich dce\u0159inou Hypote\u010dn\u00ed banku. Uveden\u00e9 \u00farokov\u00e9 sazby plat\u00ed pro nov\u00e9 hypote\u010dn\u00ed \u00fav\u011bry po dobu prvn\u00edho fixa\u010dn\u00edho obdob\u00ed. V cen\u011b \u00farokov\u00fdch sazeb \u00fa\u010delov\u00fdch \u00fav\u011br\u016f do 90 % hodnoty nemovitosti jsou zahrnuty slevy za sjedn\u00e1n\u00ed \u00fav\u011brov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed ve v\u00fd\u0161i 100 % v\u00fd\u0161e \u00fav\u011bru nebo poji\u0161t\u011bn\u00ed N\u00e1\u0161 \u017eivot ve v\u00fd\u0161i 100 % v\u00fd\u0161e \u00fav\u011bru od \u010cSOB Poji\u0161\u0165ovny. V p\u0159\u00edpad\u011b nespln\u011bn\u00ed t\u011bchto podm\u00ednek bude \u00farokov\u00e1 sazba zv\u00fd\u0161ena o 0,2 procentn\u00edho bodu. Pro zachov\u00e1n\u00ed uveden\u00e9 \u00farokov\u00e9 sazby je tak\u00e9 pot\u0159eba spl\u00e1cet hypote\u010dn\u00ed \u00fav\u011br inkasem z b\u011b\u017en\u00e9ho \u00fa\u010dtu veden\u00e9ho u \u010cSOB nebo u \u010cSOB Po\u0161tovn\u00ed spo\u0159itelny. Klienti tak\u00e9 mus\u00ed prov\u00e1d\u011bt minim\u00e1ln\u011b 3 platby debetn\u00ed kartou ka\u017ed\u00fd m\u011bs\u00edc a pou\u017e\u00edvat aplikaci \u010cSOB Smart alespo\u0148 jednou za 3 m\u011bs\u00edce. Pokud tyto podm\u00ednky nejsou spln\u011bny, \u00farokov\u00e1 sazba se zv\u00fd\u0161\u00ed o 0,3 procentn\u00edho bodu. Dal\u0161\u00ed slevy jsou k dispozici za p\u0159edlo\u017een\u00ed Pr\u016fkazu energetick\u00e9 n\u00e1ro\u010dnosti financovan\u00e9 nemovitosti ve t\u0159\u00edd\u011b A nebo B. Pokud klient tuto podm\u00ednku nespln\u00ed, \u00farokov\u00e1 sazba se zv\u00fd\u0161\u00ed o 0,1 procentn\u00edho bodu. Klienti mohou tak\u00e9 z\u00edskat slevu za spl\u00e1cen\u00ed ze sv\u00e9ho \u00fa\u010dtu v \u010cSOB. Pokud neprok\u00e1\u017eou tuto podm\u00ednku, \u00farokov\u00e1 sazba se zv\u00fd\u0161\u00ed o 0,1 procentn\u00edho bodu.<\/p>\n Fio banka: od 5,18%<\/strong> Uveden\u00e9 \u00farokov\u00e9 sazby jsou minim\u00e1ln\u00ed, co\u017e znamen\u00e1, \u017ee obsahuj\u00ed nejni\u017e\u0161\u00ed mo\u017enou rizikovou p\u0159ir\u00e1\u017eku. Tyto sazby zohled\u0148uj\u00ed tak\u00e9 v\u0161echny dostupn\u00e9 slevy, pokud klienti koup\u00ed nemovitost a sjednaj\u00ed si poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet. Sazby se mohou li\u0161it pro hypot\u00e9ky nad 1 milionem korun, a v\u00fdslednou sazbu stanovuje Fio banka, a. s. individu\u00e1ln\u011b pro ka\u017ed\u00fd hypote\u010dn\u00ed \u00fav\u011br na z\u00e1klad\u011b konkr\u00e9tn\u00edch podm\u00ednek.<\/p>\n Komer\u010dn\u00ed banka: od 5,39%<\/strong> Minim\u00e1ln\u00ed \u00farokov\u00e1 sazba se upravuje podle intern\u00edch bankovn\u00edch podm\u00ednek. U hypot\u00e9k s LTV mezi 80 % a 90 % je sazba vy\u0161\u0161\u00ed o 1 procentn\u00ed bod.<\/p>\n mBank: od 6,99%<\/strong> Zv\u00fdhodn\u011bn\u00e1 \u00farokov\u00e1 sazba obsahuje slevu 0,65 % ro\u010dn\u011b. Tato sleva je nab\u00edzena klient\u016fm, kte\u0159\u00ed maj\u00ed jin\u00fd \u00fav\u011brov\u00fd produkt u mBank (nap\u0159. mP\u016fj\u010dka Plus, mP\u016fj\u010dka Pro nebo kreditn\u00ed karta mBank) a neprojevili za posledn\u00edch 6 m\u011bs\u00edc\u016f selh\u00e1n\u00ed p\u0159i spl\u00e1cen\u00ed.<\/p>\n Moneta Money Bank: od 5,19%<\/strong> Pro z\u00edsk\u00e1n\u00ed specifick\u00e9 \u00farokov\u00e9 sazby mus\u00ed b\u00fdt spln\u011bny n\u00e1sleduj\u00edc\u00ed podm\u00ednky: minim\u00e1ln\u00ed m\u011bs\u00ed\u010dn\u00ed obrat na \u00fa\u010dtu Moneta Money Bank 15 000 K\u010d, \u010derp\u00e1n\u00ed \u00fav\u011bru do 3 m\u011bs\u00edc\u016f od podeps\u00e1n\u00ed smlouvy, a ud\u011blen\u00ed individu\u00e1ln\u00ed sazby (n\u00e1sleduj\u00edc\u00ed uveden\u00e9 \u00farokov\u00e9 sazby ji\u017e obsahuj\u00ed slevu 0,2 % ro\u010dn\u011b za voliteln\u00e9 poji\u0161t\u011bn\u00ed od BNP Paribas Cardif Poji\u0161\u0165ovny).<\/p>\n Raiffeisenbank: od 5,39%<\/strong> V \u00farokov\u00e9m cen\u00edku banky je uvedeno, \u017ee \u00farokov\u00e9 sazby pro hypot\u00e9ky pro fyzick\u00e9 osoby jsou stanoveny individu\u00e1ln\u011b.<\/p>\n UniCredit Bank: od 5,29%<\/strong> \u00darokov\u00e9 sazby plat\u00ed p\u0159i uzav\u0159en\u00ed placen\u00e9ho poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet \u00fav\u011br. Hypot\u00e9ky s Loan-to-Value (LTV) mezi 80 % a 95 % maj\u00ed sazbu o 0,5 procentn\u00edho bodu vy\u0161\u0161\u00ed.<\/p>\n V\u00fdvoj v hlavn\u00ed \u00farokov\u00e9 sazb\u011b, jen\u017e prob\u00edh\u00e1 pod z\u00e1\u0161titou \u010cesk\u00e9 n\u00e1rodn\u00ed banky, za\u010d\u00edn\u00e1 b\u00fdt patrn\u00fd. Od \u010dervna 2022 se \u00farokov\u00e9 sazby dr\u017eely na sv\u00e9 tehdej\u0161\u00ed […]<\/p>\n","protected":false},"author":1,"featured_media":25,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[31,32,29,27,38,35,30,34,37,36,33,28],"class_list":["post-27","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene","tag-bankovni-rada","tag-bankovnictvi","tag-ceska-narodni-banka","tag-ekonomika","tag-financni-trhy","tag-guverner","tag-hypotecni-uvery","tag-hypoteky","tag-inflace","tag-menova-politika","tag-srovnani-bank","tag-urokove-sazby"],"yoast_head":"\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"