{"id":897,"date":"2021-11-25T16:47:00","date_gmt":"2021-11-25T15:47:00","guid":{"rendered":"https:\/\/d.r4.wbsprt.com\/janamozici.cz\/?p=897"},"modified":"2026-06-17T16:48:42","modified_gmt":"2026-06-17T14:48:42","slug":"hypoteky-za-3-i-vice-kam-az-porostou-sazby","status":"publish","type":"post","link":"https:\/\/d.r4.wbsprt.com\/janamozici.cz\/hypoteky-za-3-i-vice-kam-az-porostou-sazby\/","title":{"rendered":"Hypot\u00e9ky za 3 % i v\u00edce. Kam a\u017e porostou sazby?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Zat\u00edmco v&nbsp;\u010dervenci a srpnu se hypote\u010dn\u00ed \u00fav\u011bry poskytovaly se sazbou okolo 2 %, podzimn\u00ed m\u011bs\u00edce p\u0159in\u00e1\u0161\u00ed citeln\u00e9 zdra\u017een\u00ed. P\u0159esto z\u00e1jem o hypote\u010dn\u00ed \u00fav\u011bry nekles\u00e1, banky hl\u00e1s\u00ed rekordn\u00ed m\u011bs\u00edce. Ke konci roku by se objem poskytnut\u00fdch hypot\u00e9k mohl pohybovat okolo 400 miliard.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pr\u016fm\u011brn\u00e1 hypot\u00e9ka na t\u0159i miliony<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Nej\u010dast\u011bj\u0161\u00edm \u00fav\u011brem, kter\u00fd si \u010ce\u0161i sjedn\u00e1vaj\u00ed, je \u00fav\u011br na koupi bytu v&nbsp;po\u0159izovac\u00ed hodnot\u011b okolo 3 mili\u00f3n\u016f korun. Byty ve velk\u00fdch m\u011bstech se proto st\u00e1vaj\u00ed st\u00e1le nedostupn\u011bj\u0161\u00ed, kles\u00e1 i atraktivita byt\u016f po\u0159izovan\u00fdch na investici. Mnoho osob u\u017e od n\u00e1kupu vlastn\u00edho bydlen\u00ed ustoupilo a z\u016fst\u00e1vaj\u00ed v&nbsp;dlouhodob\u00fdch pron\u00e1jmech.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u010cNB zvy\u0161uje sazby<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u010cesk\u00e1 n\u00e1rodn\u00ed banka dramaticky zv\u00fd\u0161ila z\u00e1kladn\u00ed \u00farokovou sazbu, od kter\u00e9 se odv\u00edj\u00ed v\u00fdpo\u010det sazeb pro poskytovan\u00e9 \u00fav\u011bry. A\u010dkoliv se do sazeb hypote\u010dn\u00edch \u00fav\u011br\u016f sp\u00ed\u0161e prom\u00edt\u00e1 infla\u010dn\u00ed o\u010dek\u00e1v\u00e1n\u00ed na p\u0159\u00ed\u0161t\u00edch 5 a\u017e 10 let (ne\u017e nav\u00fd\u0161en\u00ed od \u010cNB), na nav\u00fd\u0161en\u00ed \u00farokov\u00e9 sazby banky zareagovaly a hypote\u010dn\u00ed \u00fav\u011bry zdra\u017euj\u00ed. Na zv\u00fd\u0161en\u00ed sazeb nejrychleji zareagovala \u010cesk\u00e1 spo\u0159itelna a \u010cSOB, v&nbsp;\u0159\u00edjnu se hypote\u010dn\u00ed \u00fav\u011bry poskytovaly v&nbsp;pr\u016fm\u011bru za 2,7 %. Nad hranic\u00ed 3 % se \u00fav\u011bry naposledy poskytovaly p\u0159ed rokem 2013.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do konce roku existuje p\u0159edpoklad, \u017ee se objem hypote\u010dn\u00edch \u00fav\u011br\u016f p\u0159ibl\u00ed\u017e\u00ed k&nbsp;hranici 400 miliard korun. Z\u00e1jem o hypote\u010dn\u00ed \u00fav\u011bry nepolevuje ani p\u0159es v\u00fdrazn\u00e1 zdra\u017een\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Spl\u00e1tky \u00fav\u011bru nad 20 tis\u00edc korun<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i \u00fav\u011brech s&nbsp;jistinou 3 a\u017e 5 milion\u016f je z\u0159ejm\u00e9, \u017ee dlu\u017en\u00edky \u010dekaj\u00ed vysok\u00e9 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. B\u011b\u017en\u011b se spl\u00e1tky \u00fav\u011br\u016f na 3 miliony se splatnost\u00ed 20 let pohybuj\u00ed okolo 17 tis\u00edc, spl\u00e1tky \u00fav\u011br\u016f na 4,5 milion\u016f se splatnost\u00ed 20 let by vych\u00e1zely nad 26 tis\u00edc korun. Je z\u0159ejm\u00e9, \u017ee tak vysok\u00fd z\u00e1vazek si nemohou dovolit single dom\u00e1cnosti nebo nap\u0159\u00edklad dom\u00e1cnosti, kde je jeden z&nbsp;partner\u016f na rodi\u010dovsk\u00e9 dovolen\u00e9 nebo v&nbsp;dlouhodob\u00e9 pracovn\u00ed indispozici.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Po\u0159\u00edzen\u00ed nemovitosti na hypote\u010dn\u00ed \u00fav\u011br pe\u010dliv\u011b zva\u017eujte, jedn\u00e1 se o dlouhodob\u00fd z\u00e1vazek a spl\u00e1cen\u00ed hypot\u00e9ky v\u00fdrazn\u011b zasahuje do rodinn\u00fdch financ\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zat\u00edmco v&nbsp;\u010dervenci a srpnu se hypote\u010dn\u00ed \u00fav\u011bry poskytovaly se sazbou okolo 2 %, podzimn\u00ed m\u011bs\u00edce p\u0159in\u00e1\u0161\u00ed citeln\u00e9 zdra\u017een\u00ed. P\u0159esto z\u00e1jem o hypote\u010dn\u00ed \u00fav\u011bry nekles\u00e1, banky hl\u00e1s\u00ed rekordn\u00ed m\u011bs\u00edce. Ke konci roku by se objem poskytnut\u00fdch hypot\u00e9k mohl pohybovat okolo 400 miliard. Pr\u016fm\u011brn\u00e1 hypot\u00e9ka na t\u0159i miliony Nej\u010dast\u011bj\u0161\u00edm \u00fav\u011brem, kter\u00fd si \u010ce\u0161i sjedn\u00e1vaj\u00ed, je \u00fav\u011br na [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":898,"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-897","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-clanky"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hypot\u00e9ky za 3 % i v\u00edce. Kam a\u017e porostou sazby? - Jana Mozici - Realitni makl\u00e9\u0159ka<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/janamozici.cz\/hypoteky-za-3-i-vice-kam-az-porostou-sazby\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hypot\u00e9ky za 3 % i v\u00edce. Kam a\u017e porostou sazby? - Jana Mozici - Realitni makl\u00e9\u0159ka\" \/>\n<meta property=\"og:description\" content=\"Zat\u00edmco v&nbsp;\u010dervenci a srpnu se hypote\u010dn\u00ed \u00fav\u011bry poskytovaly se sazbou okolo 2 %, podzimn\u00ed m\u011bs\u00edce p\u0159in\u00e1\u0161\u00ed citeln\u00e9 zdra\u017een\u00ed. P\u0159esto z\u00e1jem o hypote\u010dn\u00ed \u00fav\u011bry nekles\u00e1, banky hl\u00e1s\u00ed rekordn\u00ed m\u011bs\u00edce. Ke konci roku by se objem poskytnut\u00fdch hypot\u00e9k mohl pohybovat okolo 400 miliard. Pr\u016fm\u011brn\u00e1 hypot\u00e9ka na t\u0159i miliony Nej\u010dast\u011bj\u0161\u00edm \u00fav\u011brem, kter\u00fd si \u010ce\u0161i sjedn\u00e1vaj\u00ed, je \u00fav\u011br na [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/janamozici.cz\/hypoteky-za-3-i-vice-kam-az-porostou-sazby\/\" \/>\n<meta property=\"og:site_name\" content=\"Jana Mozici - Realitni makl\u00e9\u0159ka\" \/>\n<meta property=\"article:published_time\" content=\"2021-11-25T15:47:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-17T14:48:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/janamozici.cz\/wp-content\/uploads\/2026\/06\/1640.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"994\" \/>\n\t<meta property=\"og:image:height\" content=\"794\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"pavelignacek\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"pavelignacek\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/janamozici.cz\\\/hypoteky-za-3-i-vice-kam-az-porostou-sazby\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/janamozici.cz\\\/hypoteky-za-3-i-vice-kam-az-porostou-sazby\\\/\"},\"author\":{\"name\":\"pavelignacek\",\"@id\":\"https:\\\/\\\/janamozici.cz\\\/#\\\/schema\\\/person\\\/a0c8271995d3088e738ca636e0ae15e8\"},\"headline\":\"Hypot\u00e9ky za 3 % i v\u00edce. 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Kam a\u017e porostou sazby? - Jana Mozici - Realitni makl\u00e9\u0159ka","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:\/\/janamozici.cz\/hypoteky-za-3-i-vice-kam-az-porostou-sazby\/","og_locale":"cs_CZ","og_type":"article","og_title":"Hypot\u00e9ky za 3 % i v\u00edce. Kam a\u017e porostou sazby? - Jana Mozici - Realitni makl\u00e9\u0159ka","og_description":"Zat\u00edmco v&nbsp;\u010dervenci a srpnu se hypote\u010dn\u00ed \u00fav\u011bry poskytovaly se sazbou okolo 2 %, podzimn\u00ed m\u011bs\u00edce p\u0159in\u00e1\u0161\u00ed citeln\u00e9 zdra\u017een\u00ed. P\u0159esto z\u00e1jem o hypote\u010dn\u00ed \u00fav\u011bry nekles\u00e1, banky hl\u00e1s\u00ed rekordn\u00ed m\u011bs\u00edce. Ke konci roku by se objem poskytnut\u00fdch hypot\u00e9k mohl pohybovat okolo 400 miliard. 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