Poj\u010fme se jasn\u011b a stru\u010dn\u011b pod\u00edvat na to, co se to u n\u00e1s vlastn\u011b d\u011bje.<\/p>\n\n\n\n
V prvn\u00ed \u0159ad\u011b je nutn\u00e9 konstatovat fakt, \u017ee r\u016fst cen nemovitost\u00ed je v \u010cesku nejv\u011bt\u0161\u00ed v EU. A to u\u017e ur\u010dit\u00e1 hrozba je.<\/p>\n\n\n\n
Dal\u0161\u00edm faktem je, \u017ee banky vloni p\u016fj\u010dily dvakr\u00e1t v\u00edc pen\u011bz ne\u017e v kritick\u00e9m roce 2009.<\/p>\n\n\n\n
M\u011bs\u00ed\u010dn\u011b si u n\u00e1s vezme hypot\u00e9ku kolem 10 000 lid\u00ed. Tak\u017ee cca 333 lid\u00ed ka\u017ed\u00fd den v\u010detn\u011b v\u00edkend\u016f. Zda je to m\u00e1lo \u010di hodn\u011b nech\u00e1m na va\u0161em posouzen\u00ed.<\/p>\n\n\n\n
\u010cesk\u00e1 n\u00e1rodn\u00ed banka v\u00fd\u0161e uveden\u00e9 vyhodnotila jako hrozbu a j\u00e1 s n\u00ed souhlas\u00edm. V Americe p\u0159ed 10 lety vesele p\u016fj\u010dovali nesmysln\u00e9 \u010d\u00e1stky na nesmysln\u00e9 nemovitosti a odstartovali sv\u011btovou ekonomickou krizi. Proto \u010cNB zdvihla prst a zas\u00e1hla.<\/p>\n\n\n\n
Banky moment\u00e1ln\u011b nesm\u00ed poskytnout \u00fav\u011bry nad 90 % z\u00e1stavn\u00ed hodnoty nemovitosti. A sm\u00ed poskytnout jen 15 % hypot\u00e9k 80 a\u017e 90 %.<\/p>\n\n\n\n
\u010cNB chce schvalov\u00e1n\u00ed hypot\u00e9k je\u0161t\u011b zp\u0159\u00edsnit, ale politickou podporu nemaj\u00ed. Tak\u017ee je tohle omezen\u00ed zat\u00edm fin\u00e1ln\u00ed. Uvid\u00edme, co po volb\u00e1ch.<\/p>\n\n\n\n
Nejv\u00edc u n\u00e1s p\u016fj\u010duje \u010cesk\u00e1 spo\u0159itelna, po letech je Hypote\u010dn\u00ed banka na druh\u00e9m m\u00edst\u011b.<\/p>\n\n\n\n
Za dlouhou dobu m\u00e1me skv\u011bl\u00e9 \u010d\u00edslo tzv. probl\u00e9mov\u00fdch hypot\u00e9k. Jen necel\u00e9 2 % lid\u00ed m\u00e1 probl\u00e9m se spl\u00e1cen\u00edm.<\/p>\n\n\n\n
V pr\u016fm\u011bru si p\u016fj\u010dujeme kolem 2 mil. korun.<\/p>\n\n\n\n
Ka\u017ed\u00fd des\u00e1t\u00fd \u010cech m\u00e1 hypot\u00e9ku. Podobn\u011b jsou na tom i Slov\u00e1ci.<\/p>\n","protected":false},"excerpt":{"rendered":"
Poj\u010fme se jasn\u011b a stru\u010dn\u011b pod\u00edvat na to, co se to u n\u00e1s vlastn\u011b d\u011bje. V prvn\u00ed \u0159ad\u011b je nutn\u00e9 konstatovat fakt, \u017ee r\u016fst cen nemovitost\u00ed je v \u010cesku nejv\u011bt\u0161\u00ed v EU. A to u\u017e ur\u010dit\u00e1 hrozba je. Dal\u0161\u00edm faktem je, \u017ee banky vloni p\u016fj\u010dily dvakr\u00e1t v\u00edc pen\u011bz ne\u017e v kritick\u00e9m roce 2009. M\u011bs\u00ed\u010dn\u011b si […]<\/p>\n","protected":false},"author":1,"featured_media":725,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"pgc_sgb_lightbox_settings":"","footnotes":""},"categories":[13],"tags":[],"class_list":["post-732","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-clanky"],"acf":[],"yoast_head":"\n