{"id":33,"date":"2023-12-19T00:07:54","date_gmt":"2023-12-18T23:07:54","guid":{"rendered":"https:\/\/hypo-online.cz\/blog\/?p=33"},"modified":"2024-01-09T12:49:57","modified_gmt":"2024-01-09T11:49:57","slug":"kolik-ma-rok-dni-ruzne-banky-uroci-hypoteky-ruzne-prichazite-o-penize","status":"publish","type":"post","link":"https:\/\/hypo-online.cz\/blog\/2023\/12\/19\/kolik-ma-rok-dni-ruzne-banky-uroci-hypoteky-ruzne-prichazite-o-penize\/","title":{"rendered":"Kolik m\u00e1 rok dn\u00ed? R\u016fzn\u00e9 banky \u00faro\u010d\u00ed hypot\u00e9ky r\u016fzn\u011b. P\u0159\u00edch\u00e1z\u00edte o pen\u00edze"},"content":{"rendered":"<p>P\u0159i rozhodov\u00e1n\u00ed o hypote\u010dn\u00edm \u00fav\u011bru se \u010dasto omez\u00edme jen porovn\u00e1v\u00e1n\u00ed \u00farokov\u00fdch sazeb. Co se v\u0161ak v\u0161ak \u010dasto p\u0159ehl\u00ed\u017e\u00ed, je zp\u016fsob, jak\u00fdm banky vypo\u010d\u00edt\u00e1vaj\u00ed \u00faroky. Tato zd\u00e1nliv\u011b drobn\u00e1 technikalita m\u016f\u017ee m\u00edt z\u00e1sadn\u00ed dopad na celkov\u00e9 n\u00e1klady a\u017e v \u0159\u00e1du stovek tis\u00edc korun.<\/p>\n<p><strong>R\u016fzn\u00e9 metody v\u00fdpo\u010dtu \u00farok\u016f<\/strong><\/p>\n<p>Banky pou\u017e\u00edvaj\u00ed r\u016fzn\u00e9 metody v\u00fdpo\u010dtu \u00farok\u016f p\u0159i poskytov\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f. Nap\u0159\u00edklad n\u011bkter\u00e9 instituce vyu\u017e\u00edvaj\u00ed standard ACT\/360, co\u017e znamen\u00e1, \u017ee klientovi \u00faroky na\u00fa\u010dtuj\u00ed 365 nebo 366kr\u00e1t v roce. Naopak existuje i evropsk\u00fd standard 30\/360, kde se uva\u017euje, \u017ee ka\u017ed\u00fd m\u011bs\u00edc m\u00e1 pevn\u011b 30 dn\u00ed a rok 360 dn\u00ed. Tyto odli\u0161n\u00e9 metody mohou p\u0159in\u00e9st jemn\u00e9 rozd\u00edly v m\u011bs\u00ed\u010dn\u00ed spl\u00e1tce, kter\u00e9 se v\u0161ak v pr\u016fb\u011bhu dlouhodob\u00e9 splatnosti mohou zna\u010dn\u011b nakumulovat a v\u00e1s st\u00e1t nemal\u00e9 finance na konci.<\/p>\n<p><strong>Vliv na m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku a celkov\u00e9 n\u00e1klady<\/strong><\/p>\n<p>I kdy\u017e se zd\u00e1nliv\u011b jedn\u00e1 o minim\u00e1ln\u00ed rozd\u00edly v m\u011bs\u00ed\u010dn\u00edch platb\u00e1ch \u2013 \u010dasto jen o n\u011bkolik des\u00edtek korun \u2013 p\u0159i pohledu na celkov\u00e9 n\u00e1klady hypote\u010dn\u00edho \u00fav\u011bru mohou tyto rozd\u00edly dosahovat tis\u00edc\u016f a\u017e stovek tis\u00edc korun. P\u0159i modelov\u00e9m p\u0159\u00edkladu hypot\u00e9ky ve v\u00fd\u0161i 2 miliony K\u010d a splatnosti 30 let se tyto odchylky projevuj\u00ed dosti razantn\u011b<\/p>\n<p><strong>D\u016fle\u017eitost celkov\u00e9 \u010d\u00e1stky a RPSN<\/strong><\/p>\n<p>Specialist\u00e9 v oblasti financ\u00ed rad\u00ed, aby se klienti nezam\u011b\u0159ovali pouze na \u00farokovou sazbu, ale sledovali tak\u00e9 celkovou \u010d\u00e1stku, kterou budou za \u00fav\u011br na konci dne platit. D\u016fle\u017eit\u00fdm ukazatelem je tak\u00e9 RPSN, kter\u00fd vyjad\u0159uje ro\u010dn\u00ed procentn\u00ed sazbu n\u00e1klad\u016f spojen\u00fdch s \u00fav\u011brem. \u010c\u00edm vy\u0161\u0161\u00ed RPSN, t\u00edm dra\u017e\u0161\u00ed p\u016fj\u010dka.<\/p>\n<p><strong>Kter\u00e9 banky pou\u017e\u00edvaj\u00ed nev\u00fdhodn\u00e9 metody?<\/strong><\/p>\n<p>Z anal\u00fdz vypl\u00fdv\u00e1, \u017ee jen n\u011bkolik bank vyu\u017e\u00edv\u00e1 pro klienty m\u00e9n\u011b v\u00fdhodn\u00e9 metody v\u00fdpo\u010dtu \u00farok\u016f. Mezi n\u011b pat\u0159\u00ed AirBank, \u010cesk\u00e1 spo\u0159itelna a d\u0159\u00edve tak\u00e9 Sberbank a Expobank (dnes Max Bank). Tyto instituce pou\u017e\u00edvaj\u00ed typy \u00faro\u010den\u00ed, kter\u00e9 mohou zvy\u0161ovat n\u00e1klady klient\u016f.<\/p>\n<p><strong>Shrnuto na z\u00e1v\u011br<\/strong><\/p>\n<p>I kdy\u017e se na prvn\u00ed pohled zd\u00e1, \u017ee rozd\u00edly v metod\u00e1ch v\u00fdpo\u010dtu \u00farok\u016f jsou margin\u00e1ln\u00ed, ve skute\u010dnosti mohou p\u0159in\u00e9st v\u00fdznamn\u00e9 rozd\u00edly v celkov\u00fdch n\u00e1kladech hypote\u010dn\u00edho \u00fav\u011bru. Proto je d\u016fle\u017eit\u00e9, aby klienti p\u0159i v\u00fdb\u011bru hypot\u00e9ky brali v \u00favahu nejen \u00farokovou sazbu, ale i zp\u016fsob v\u00fdpo\u010dtu \u00farok\u016f a celkov\u00e9 n\u00e1klady spojen\u00e9 s \u00fav\u011brem.<\/p>\n<div id=\"23C09F7B_D5AB_774B_291E_ECDD71ED292D\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>P\u0159i rozhodov\u00e1n\u00ed o hypote\u010dn\u00edm \u00fav\u011bru se \u010dasto omez\u00edme jen porovn\u00e1v\u00e1n\u00ed \u00farokov\u00fdch sazeb. Co se v\u0161ak v\u0161ak \u010dasto p\u0159ehl\u00ed\u017e\u00ed, je zp\u016fsob, jak\u00fdm banky vypo\u010d\u00edt\u00e1vaj\u00ed \u00faroky. Tato [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":59,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[32,43,27,39,34,42,46,40,45,44,28,41],"class_list":["post-33","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene","tag-bankovnictvi","tag-druhy-uroceni","tag-ekonomika","tag-finance","tag-hypoteky","tag-investice-a-financni-planovani","tag-kolik-preplatim-na-hypotece","tag-porovnani-bankovnich-produktu","tag-porovnani-hypotek","tag-srovnani-uveru","tag-urokove-sazby","tag-uvery-a-pujcky"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kolik m\u00e1 rok dn\u00ed? 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R\u016fzn\u00e9 banky \u00faro\u010d\u00ed hypot\u00e9ky r\u016fzn\u011b. P\u0159\u00edch\u00e1z\u00edte o pen\u00edze - Hypo Online | Blog","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/hypo-online.cz\/blog\/2023\/12\/19\/kolik-ma-rok-dni-ruzne-banky-uroci-hypoteky-ruzne-prichazite-o-penize\/","og_locale":"cs_CZ","og_type":"article","og_title":"Kolik m\u00e1 rok dn\u00ed? R\u016fzn\u00e9 banky \u00faro\u010d\u00ed hypot\u00e9ky r\u016fzn\u011b. P\u0159\u00edch\u00e1z\u00edte o pen\u00edze - Hypo Online | Blog","og_description":"P\u0159i rozhodov\u00e1n\u00ed o hypote\u010dn\u00edm \u00fav\u011bru se \u010dasto omez\u00edme jen porovn\u00e1v\u00e1n\u00ed \u00farokov\u00fdch sazeb. Co se v\u0161ak v\u0161ak \u010dasto p\u0159ehl\u00ed\u017e\u00ed, je zp\u016fsob, jak\u00fdm banky vypo\u010d\u00edt\u00e1vaj\u00ed \u00faroky. 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