Hypote\u010dn\u00ed sazby sn\u00ed\u017eily svoj\u00ed \u00farove\u0148 pod \u0161estiprocentn\u00ed hranici b\u011bhem necel\u00e9ho roku a p\u016fl. Pr\u016fm\u011brn\u00e1 nab\u00eddkov\u00e1 sazba, podle Swiss Life Hypoindexu, se v lednu sn\u00ed\u017eila o \u0161est setin procenta na 5,96 procenta. \u010cesk\u00e1 n\u00e1rodn\u00ed banka v prosinci sn\u00ed\u017eila z\u00e1kladn\u00ed \u00farokovou sazbu o \u010dtvrt procentn\u00edho bodu na 6,75 procenta. I p\u0159es toto opat\u0159en\u00ed se zd\u00e1, \u017ee zlev\u0148ov\u00e1n\u00ed hypot\u00e9k prob\u00edh\u00e1 sp\u00ed\u0161e pozvolna.<\/p>\n
Ji\u0159\u00ed S\u00fdkora, analytik Swiss Life Select, poznamenal, \u017ee i p\u0159es sn\u00ed\u017een\u00ed z\u00e1kladn\u00ed \u00farokov\u00e9 sazby ze strany \u010cNB se banky neuch\u00fdlily k v\u00fdrazn\u011bj\u0161\u00edmu sni\u017eov\u00e1n\u00ed hypote\u010dn\u00edch sazeb. M\u016f\u017ee za t\u00edm st\u00e1t navrhovan\u00e9 zaveden\u00ed nov\u00e9 n\u00e1hrady za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky, kter\u00e1 vstoup\u00ed v platnost od z\u00e1\u0159\u00ed. P\u016fvodn\u011b se uva\u017eovalo o poplatku ve v\u00fd\u0161i dvou procent ze splacen\u00e9 \u010d\u00e1stky, av\u0161ak nakonec bylo stanoveno pouze jedno procento. Toto rozhodnut\u00ed by mohlo v\u00e9st k vytvo\u0159en\u00ed v\u011bt\u0161\u00edch rezerv na p\u0159\u00edpadn\u00e9 ztr\u00e1ty.<\/p>\n
S\u00fdkora tvrd\u00ed, \u017ee banky si tyto rezervy budou budovat pomoc\u00ed vy\u0161\u0161\u00ed \u00farokov\u00e9 sazby na \u00fakor nov\u00fdch klient\u016f. O\u010dek\u00e1v\u00e1 v\u0161ak, \u017ee i nad\u00e1le dojde k postupn\u00e9mu sni\u017eov\u00e1n\u00ed \u00farokov\u00fdch sazeb v n\u00e1sleduj\u00edc\u00edch m\u011bs\u00edc\u00edch.<\/p>\n
V lednu klesla m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka hypot\u00e9ky na 3,5 milionu K\u010d o 117 korun na 22 472 K\u010d. Ve srovn\u00e1n\u00ed s lo\u0148sk\u00fdm lednem do\u0161lo k poklesu o v\u00edce ne\u017e 800 K\u010d. Av\u0161ak ve srovn\u00e1n\u00ed s \u010dervnem 2022, kdy byla pr\u016fm\u011brn\u00e1 sazba 5,71 % a naposledy pod \u0161estiprocentn\u00ed hranic\u00ed, z\u016fst\u00e1v\u00e1 st\u00e1le o 550 K\u010d vy\u0161\u0161\u00ed.<\/p>\n
V lednu do\u0161lo k v\u00fdrazn\u011bj\u0161\u00edmu sn\u00ed\u017een\u00ed sazeb u hypot\u00e9k pro mlad\u00e9 do 36 let. Hypot\u00e9ky fixovan\u00e9 na t\u0159i a p\u011bt let klesly na 6 % a 5,93 % ro\u010dn\u011b. U hypot\u00e9k s jednoletou a desetiletou fixac\u00ed byl pokles m\u00edrn\u011bj\u0161\u00ed, dosahuj\u00edc\u00ed 5,81 % a 6,31 %. Nejlevn\u011bj\u0161\u00ed na trhu z\u016fst\u00e1vaj\u00ed hypot\u00e9ky s p\u011btiletou fixac\u00ed a LTV do 80 procent.<\/p>\n","protected":false},"excerpt":{"rendered":"
Hypote\u010dn\u00ed sazby sn\u00ed\u017eily svoj\u00ed \u00farove\u0148 pod \u0161estiprocentn\u00ed hranici b\u011bhem necel\u00e9ho roku a p\u016fl. Pr\u016fm\u011brn\u00e1 nab\u00eddkov\u00e1 sazba, podle Swiss Life Hypoindexu, se v lednu sn\u00ed\u017eila o […]<\/p>\n","protected":false},"author":1,"featured_media":62,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[32,62,27,19,60,58,61,30,59,28],"class_list":["post-56","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene","tag-bankovnictvi","tag-ekonomicke-zmeny","tag-ekonomika","tag-financni-trh","tag-hospodarsky-vyvoj","tag-hypotecni-sazby","tag-hypotecni-trh","tag-hypotecni-uvery","tag-snizeni","tag-urokove-sazby"],"yoast_head":"\n