[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ecr-cz.cz\/cnb-opet-zprisnuje-podminky-hypotecnich-uveru\/#Article","mainEntityOfPage":"https:\/\/www.ecr-cz.cz\/cnb-opet-zprisnuje-podminky-hypotecnich-uveru\/","headline":"\u010cNB op\u011bt zp\u0159\u00eds\u0148uje podm\u00ednky hypote\u010dn\u00edch \u00fav\u011br\u016f","name":"\u010cNB op\u011bt zp\u0159\u00eds\u0148uje podm\u00ednky hypote\u010dn\u00edch \u00fav\u011br\u016f","description":"\u010cesk\u00e1 n\u00e1rodn\u00ed banka zp\u0159\u00edsnila n\u011bkter\u00e9 podm\u00ednky \u00fav\u011brov\u00fdch produkt\u016f, kter\u00e9 p\u0159ijdou v platnost od 1. dubna 2022. jak siln\u011b tyto zm\u011bny zas\u00e1hnou st\u0159edn\u00ed t\u0159\u00eddu? Bude je\u0161t\u011b","datePublished":"2022-02-10","dateModified":"2023-05-17","author":{"@type":"Person","@id":"https:\/\/www.ecr-cz.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.ecr-cz.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/69bd9b72104e3ccfb6214cbd23cb226f96c6ecf33a2a351fa1d4682235118df3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/69bd9b72104e3ccfb6214cbd23cb226f96c6ecf33a2a351fa1d4682235118df3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ecr-cz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ecr-cz.cz\/wp-content\/uploads\/home-ownership-gc028affd5_640.jpg","url":"https:\/\/www.ecr-cz.cz\/wp-content\/uploads\/home-ownership-gc028affd5_640.jpg","height":0,"width":0},"url":"https:\/\/www.ecr-cz.cz\/cnb-opet-zprisnuje-podminky-hypotecnich-uveru\/","about":["Ekonomika"],"wordCount":387,"articleBody":"   \u010cesk\u00e1 n\u00e1rodn\u00ed banka zp\u0159\u00edsnila n\u011bkter\u00e9 podm\u00ednky \u00fav\u011brov\u00fdch produkt\u016f, kter\u00e9 p\u0159ijdou v platnost od 1. dubna 2022. jak siln\u011b tyto zm\u011bny zas\u00e1hnou st\u0159edn\u00ed t\u0159\u00eddu? Bude je\u0161t\u011b v\u016fbec mo\u017en\u00e9 se st\u00e1le se zvy\u0161uj\u00edc\u00edmi cenami nemovitost\u00ed dos\u00e1hnout na vlastn\u00ed bydlen\u00ed? Jak\u00fdm tempem bude inflace stoupat? Lidem, kte\u0159\u00ed u\u017e del\u0161\u00ed dobu p\u0159em\u00fd\u0161leli o hypot\u00e9ce, se ozn\u00e1men\u00edm \u010cesk\u00e9 n\u00e1rodn\u00ed banky lehce p\u0159it\u00ed\u017eilo. Tak musela reagovat na st\u00e1le se zvy\u0161uj\u00edc\u00ed inflaci, a proto nebyla jin\u00e1 mo\u017enost, ne\u017e zv\u00fd\u0161it \u00farokovou sazbu. To v\u0161ak nen\u00ed jedin\u00e1 zm\u011bna, se kterou se \u017eadatel\u00e9 o \u00fav\u011br budou pot\u00fdkat. Zm\u011bn\u00ed se i pom\u011br v\u00fd\u0161e zastaven\u00e9 hodnoty nemovitosti a v\u00fd\u0161e hypot\u00e9ky. Ze sou\u010dasn\u00fdch 90% na 80%, co\u017e m\u016f\u017ee \u0159ad\u011b lid\u00ed \u017e\u00e1dost velmi zkomplikovat. U\u017e nyn\u00ed musela \u0159ada \u017eadatel\u016f pomyslnou hranici 10% \u0159e\u0161it dal\u0161\u00edm spot\u0159ebitelsk\u00fdm \u00fav\u011brem, kter\u00fd by pot\u0159ebnou \u010d\u00e1stku pokryl. Co to ale znamen\u00e1 v praxi? Pokud p\u016fjdete \u017e\u00e1dat nap\u0159\u00edklad o 3 000 000 korun \u010desk\u00fdch, u\u017e v\u00e1m nebude sta\u010dit m\u00edt z vlastn\u00ed kapsy 300 000, ale dvojn\u00e1sobek. Z\u00e1rove\u0148 ale \u010desk\u00e1 n\u00e1rodn\u00ed banka p\u0159isl\u00edbila, \u017ee \u017eadatel\u00e9 do 36 let v\u011bku budou m\u00edt v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky hypot\u00e9ky za p\u0159edpokladu, \u017ee j\u00ed budou cht\u00edt financovat vlastn\u00ed bydlen\u00ed. Jak toto prohl\u00e1\u0161en\u00ed bude fungovat v praxi, je ale t\u011b\u017ek\u00e9 odhadnout. I kdy\u017e se zd\u00e1, \u017ee cena nemovitost\u00ed neust\u00e1le roste a spole\u010dn\u011b s t\u00edm se zp\u0159\u00eds\u0148uj\u00ed i podm\u00ednky hypot\u00e9k, z\u00e1jem o n\u011b nijak neutich\u00e1. Lid\u00e9 si uv\u011bdomuj\u00ed, \u017ee investice do vlastn\u00edho bydlen\u00ed je tou nejlep\u0161\u00ed, kterou mohou u\u010dinit. Kdy\u017e tomu jsou pr\u00e1v\u011b hypot\u00e9ky, kter\u00e9 tvo\u0159\u00ed nejv\u011bt\u0161\u00ed \u010detnost v celku v\u0161ech \u00fav\u011brov\u00fdch produkt\u016f. Hned za hypot\u00e9kami jsou pak spot\u0159ebitelsk\u00e9 \u00fav\u011bry, \u010di \u00fav\u011bry ze stavebn\u00edho spo\u0159en\u00ed. P\u0159\u00ed v\u00fd\u010dtu ov\u0161em nesm\u00edme zapomenout ani na nebankovn\u00ed sektor. I v n\u011bm najdeme n\u011bkter\u00e9 poskytovatele \u00fav\u011br\u016f, kte\u0159\u00ed maj\u00ed ve sv\u00e9m portfoliu nebankovn\u00ed hypot\u00e9ku. V tomto p\u0159\u00edpad\u011b je v\u0161ak zapot\u0159eb\u00ed po\u010d\u00edtat s vy\u0161\u0161\u00ed \u00farokovou sazbou.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010cNB op\u011bt zp\u0159\u00eds\u0148uje podm\u00ednky hypote\u010dn\u00edch \u00fav\u011br\u016f","item":"https:\/\/www.ecr-cz.cz\/cnb-opet-zprisnuje-podminky-hypotecnich-uveru\/#breadcrumbitem"}]}]