{"id":8750,"date":"2022-03-24T11:11:13","date_gmt":"2022-03-24T10:11:13","guid":{"rendered":"https:\/\/fkr.cz\/?post_type=rady_a_tipy&p=8750"},"modified":"2022-03-24T11:13:47","modified_gmt":"2022-03-24T10:13:47","slug":"zvazujete-hypoteku-pripravte-se-na-prisnejsi-podminky","status":"publish","type":"rady_a_tipy","link":"https:\/\/fkr.cz\/en\/rady_a_tipy\/zvazujete-hypoteku-pripravte-se-na-prisnejsi-podminky\/","title":{"rendered":"Zva\u017eujete hypot\u00e9ku? P\u0159ipravte se na p\u0159\u00edsn\u011bj\u0161\u00ed podm\u00ednky<\/strong>"},"content":{"rendered":"\n

\u010cesk\u00e1 n\u00e1rodn\u00ed banka od dubna zp\u0159\u00eds\u0148uje podm\u00ednky pro poskytov\u00e1n\u00ed hypot\u00e9k. V kombinaci s rostouc\u00edmi cenami nemovitost\u00ed a \u00farokov\u00fdch sazeb hypot\u00e9k se lid\u00e9 mus\u00ed p\u0159ipravit na to, \u017ee hypot\u00e9ku nedostane ka\u017ed\u00fd.<\/strong><\/p>\n\n\n\n

Posledn\u00ed dva roky byly pro hypote\u010dn\u00ed trh velmi p\u0159\u00edzniv\u00e9. V roce 2020 do\u0161lo k v\u00fdrazn\u00e9mu zlev\u0148ov\u00e1n\u00ed hypot\u00e9k, kdy nebylo v\u00fdjimkou sjednat si sazbu kolem 1,5 %. I p\u0159es rostouc\u00ed ceny nemovitost\u00ed to \u017eadatele o \u00fav\u011br neodradilo a d\u00edky tomu byl rok 2021 rekordn\u00ed ve v\u0161ech ohledech. Banky a stavebn\u00ed spo\u0159itelny poskytly \u0159\u00e1dov\u011b 178 000 \u00fav\u011br\u016f za neuv\u011b\u0159iteln\u00fdch 541 miliard korun.<\/p>\n\n\n\n

Zdra\u017een\u00ed hypot\u00e9k<\/strong><\/p>\n\n\n\n

V lo\u0148sk\u00e9m roce v\u0161ak \u010cNB p\u0159i\u0161l\u00e1pla brzdu. V reakci na silnou popt\u00e1vku na realitn\u00edm trhu a rostouc\u00ed inflaci za\u010dala skokov\u011b zvy\u0161ovat z\u00e1kladn\u00ed \u00farokov\u00e9 sazby, kter\u00e9 se prom\u00edtly do zdra\u017eov\u00e1n\u00ed \u00farokov\u00fdch sazeb hypot\u00e9k. Dnes tak pravd\u011bpodobn\u011b ji\u017e nez\u00edsk\u00e1te sazbu pod 4 %, sp\u00ed\u0161e v\u0161ak po\u010d\u00edtejte s nab\u00eddkou kolem 5 %. V n\u00e1sleduj\u00edc\u00edch t\u00fddnech nav\u00edc \u010cNB avizovala dal\u0161\u00ed zdra\u017eov\u00e1n\u00ed. Podle n\u011bkter\u00fdch odborn\u00edk\u016f se sazby na konci roku mohou vy\u0161plhat i k 7 %.<\/p>\n\n\n\n

Ji\u017e od za\u010d\u00e1tku roku proto doch\u00e1z\u00ed k poklesu z\u00e1jmu o hypot\u00e9ky. Podle po\u010d\u00e1te\u010dn\u00edch dat a\u017e o 20 %.<\/p>\n\n\n\n

P\u0159\u00edsn\u011bj\u0161\u00ed pravidla od dubna<\/strong><\/p>\n\n\n\n

Od dubna se nav\u00edc \u010cNB rozhodla op\u011bt zav\u00e9st p\u0159\u00edsn\u011bj\u0161\u00ed podm\u00ednky pro poskytov\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f, kter\u00e9 platily do dubna 2020 a kter\u00e9 v d\u016fsledku epidemie koronaviru \u010cNB do\u010dasn\u011b zm\u00edrnila. Pro \u017eadatele, kte\u0159\u00ed jsou star\u0161\u00ed 36 let, jsou podm\u00ednky nav\u00edc p\u0159\u00edsn\u011bj\u0161\u00ed, ne\u017e pro mlad\u0161\u00ed \u017eadatele.<\/p>\n\n\n\n

DTI<\/strong> (pom\u011br celkov\u00e9 v\u00fd\u0161e dluh\u016f k v\u00fd\u0161i \u010dist\u00fdch ro\u010dn\u00edch p\u0159\u00edjm\u016f) \u2013 U \u017eadatel\u016f nad 36 let nesm\u00ed dan\u00fd pom\u011br p\u0159ekro\u010dit hodnotu 8,5. U mlad\u0161\u00edch \u017eadatel\u016f m\u016f\u017ee hodnota DTI dos\u00e1hnout a\u017e 9,5.<\/p>\n\n\n\n

DSTI<\/strong> (pom\u011br mezi v\u00fd\u0161\u00ed m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek \u00fav\u011br\u016f a v\u00fd\u0161\u00ed \u010dist\u00e9ho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu) \u2013 V p\u0159\u00edpad\u011b \u017eadatel\u016f nad 36 let nesm\u00ed p\u0159es\u00e1hnout hranici 45 %, u \u017eadatel\u016f mlad\u0161\u00edch 36 let pak hranici 50 %.<\/p>\n\n\n\n

LTV<\/strong> (loan to value) \u2013 Procentu\u00e1ln\u011b vyj\u00e1d\u0159en\u00fd pom\u011br mezi v\u00fd\u0161\u00ed \u00fav\u011bru a hodnotou konkr\u00e9tn\u00ed z\u00e1stavy. \u017dadatel\u00e9 star\u0161\u00ed 36 let si mohou p\u016fj\u010dit maxim\u00e1ln\u011b 80 % hodnoty zastavovan\u00e9 nemovitosti, mlad\u0161\u00ed lid\u00e9 pak mohou z\u00edskat a\u017e 90 % hodnoty z\u00e1stavy. Zbytek financ\u00ed si mus\u00ed \u017eadatel\u00e9 p\u0159ipravit z vlastn\u00edch zdroj\u016f.<\/p>\n\n\n\n

Banky se nav\u00edc nastaven\u00fdmi pravidly mus\u00ed ze z\u00e1kona \u0159\u00eddit a nesm\u00ed p\u0159i posuzov\u00e1n\u00ed \u017e\u00e1dosti o hypot\u00e9ku p\u0159ekro\u010dit ani jeden ukazatel. V ojedin\u011bl\u00fdch p\u0159\u00edpadech lze v\u0161ak p\u0159ihl\u00e9dnout k poru\u0161en\u00ed t\u011bchto parametr\u016f za p\u0159edpokladu, \u017ee poskytnut\u00ed \u00fav\u011bru je zaji\u0161t\u011bno z hlediska jeho n\u00e1vratnosti a to u \u00fav\u011br\u016f v objemu odpov\u00eddaj\u00edc\u00edmu maxim\u00e1ln\u011b p\u011bti % z celkov\u00e9 produkce hypot\u00e9k v p\u0159ede\u0161l\u00e9m kalend\u00e1\u0159n\u00edm \u010dtvrtlet\u00ed banky.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u010cesk\u00e1 n\u00e1rodn\u00ed banka od dubna zp\u0159\u00eds\u0148uje podm\u00ednky pro poskytov\u00e1n\u00ed hypot\u00e9k. V kombinaci s rostouc\u00edmi cenami nemovitost\u00ed a \u00farokov\u00fdch sazeb hypot\u00e9k se lid\u00e9 mus\u00ed p\u0159ipravit na to, \u017ee hypot\u00e9ku nedostane ka\u017ed\u00fd.<\/p>\n","protected":false},"featured_media":8764,"template":"","categories":[36],"class_list":["post-8750","rady_a_tipy","type-rady_a_tipy","status-publish","has-post-thumbnail","hentry","category-novinky-a-zajimavosti"],"_links":{"self":[{"href":"https:\/\/fkr.cz\/en\/wp-json\/wp\/v2\/rady_a_tipy\/8750","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fkr.cz\/en\/wp-json\/wp\/v2\/rady_a_tipy"}],"about":[{"href":"https:\/\/fkr.cz\/en\/wp-json\/wp\/v2\/types\/rady_a_tipy"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fkr.cz\/en\/wp-json\/wp\/v2\/media\/8764"}],"wp:attachment":[{"href":"https:\/\/fkr.cz\/en\/wp-json\/wp\/v2\/media?parent=8750"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fkr.cz\/en\/wp-json\/wp\/v2\/categories?post=8750"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}