{"id":947,"date":"2023-03-23T17:11:00","date_gmt":"2023-03-23T16:11:00","guid":{"rendered":"https:\/\/d.r4.wbsprt.com\/janamozici.cz\/?p=947"},"modified":"2026-06-17T17:20:48","modified_gmt":"2026-06-17T15:20:48","slug":"trh-zaznamenal-nejvetsi-snizeni-sazeb-hypotek-za-posledni-dva-roky-bude-to-stacit-k-oziveni-realitniho-trhu","status":"publish","type":"post","link":"https:\/\/d.r4.wbsprt.com\/janamozici.cz\/trh-zaznamenal-nejvetsi-snizeni-sazeb-hypotek-za-posledni-dva-roky-bude-to-stacit-k-oziveni-realitniho-trhu\/","title":{"rendered":"Trh zaznamenal nejv\u011bt\u0161\u00ed sn\u00ed\u017een\u00ed sazeb hypot\u00e9k za posledn\u00ed dva roky. Bude to sta\u010dit k o\u017eiven\u00ed realitn\u00edho trhu?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">O\u017eiven\u00ed realitn\u00edho trhu m\u016f\u017ee p\u0159in\u00e9st sou\u010dasn\u00e9 sni\u017eov\u00e1n\u00ed sazeb hypote\u010dn\u00edch \u00fav\u011br\u016f spolu s&nbsp;poklesem cen nemovitost\u00ed. Na v\u00fdrazn\u011bj\u0161\u00ed pokles sazeb ale mus\u00ed klienti bank po\u010dkat do chv\u00edle, kdy \u010cNB dostane inflaci pod kontrolu a sn\u00ed\u017e\u00ed z\u00e1kladn\u00ed REPO sazbu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nab\u00eddkov\u00e1 sazba hypot\u00e9k<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hypote\u010dn\u00ed \u00fav\u011bry jsou aktu\u00e1ln\u011b nab\u00edzeny v&nbsp;pr\u016fm\u011bru za 6,3 %, ale v&nbsp;meziro\u010dn\u00edm srovn\u00e1n\u00ed to znamen\u00e1 v\u00fdrazn\u00fd pokles. Banky a \u00fav\u011brov\u00e1 dru\u017estva reaguj\u00ed na bl\u00ed\u017e\u00edc\u00ed se jarn\u00ed m\u011bs\u00edce, kter\u00e9 vyb\u00edzej\u00ed k&nbsp;zah\u00e1jen\u00ed stavebn\u00ed sez\u00f3ny. Pokles \u00farok\u016f u hypote\u010dn\u00edch \u00fav\u011br\u016f rovn\u011b\u017e souvis\u00ed s&nbsp;konkuren\u010dn\u00edm bojem bank, proto\u017ee \u0159ada z&nbsp;nich se sna\u017e\u00ed nab\u00eddnout atraktivn\u00ed podm\u00ednky klient\u016fm, kter\u00fdm kon\u010d\u00ed fixace u jin\u00e9 banky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V&nbsp;posledn\u00edch dvou letech jsme byli sv\u011bdky prakticky nep\u0159etr\u017eit\u00e9ho r\u016fstu sazeb u hypote\u010dn\u00edch \u00fav\u011br\u016f, k&nbsp;m\u00edrn\u00e9mu poklesu do\u0161lo pouze v&nbsp;m\u011bs\u00edc\u00edch z\u00e1\u0159\u00ed a \u0159\u00edjen 2022.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">M\u011bs\u00ed\u010dn\u00ed spl\u00e1tka se m\u011bn\u00ed jen minim\u00e1ln\u011b<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud bychom uva\u017eovali hypote\u010dn\u00ed \u00fav\u011br na 3,5 milionu korun se splatnost\u00ed 25 let, znamen\u00e1 to p\u0159i pr\u016fm\u011brn\u00e9 \u00farokov\u00e9 m\u00ed\u0159e pokles spl\u00e1tky asi o 200 K\u010d m\u011bs\u00ed\u010dn\u011b. V\u00fd\u0161e spl\u00e1tky modelov\u00e9ho \u00fav\u011bru by dosahovala 23 tis\u00edc korun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nejv\u00fdrazn\u011bj\u0161\u00ed pokles \u00farokov\u00e9 sazby byl zaznamen\u00e1n u hypot\u00e9k s&nbsp;t\u0159\u00edletou fixac\u00ed nejmen\u0161\u00ed pokles byl zaznamen\u00e1n u hypot\u00e9k s&nbsp;fixac\u00ed na 1 rok.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Vzhl\u00ed\u017eejme ke konci b\u0159ezna<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u010cesk\u00e1 n\u00e1rodn\u00ed banka bude o nastaven\u00ed REPO sazby jednat koncem b\u0159ezna. V&nbsp;sou\u010dasn\u00e9 chv\u00edli se v\u0161ak p\u0159edpokl\u00e1d\u00e1, \u017ee z&nbsp;d\u016fvodu boje proti inflaci pozm\u011bn\u00ed sou\u010dasnou sazbu. S&nbsp;nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed z\u016fstane z\u00e1kladn\u00ed dvout\u00fddenn\u00ed REPO sazba na 7 %. Analytici o\u010dek\u00e1vali sn\u00ed\u017een\u00ed REPO sazby a s&nbsp;n\u00ed souvisej\u00edc\u00ed o\u017eiven\u00ed hypote\u010dn\u00edho trhu, kter\u00e9 avizovali na podzimn\u00ed m\u011bs\u00edce. Podle nov\u00e9ho v\u00fdhledu bychom se v\u00fdrazn\u011bj\u0161\u00edho o\u017eiven\u00ed do\u010dkali a\u017e za\u010d\u00e1tkem roku 2024.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cenov\u011b dostupn\u00e9 nemovitosti<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Na realitn\u00edm trhu se za\u010d\u00edn\u00e1 projevovat pokles cen nemovitost\u00ed, kupuj\u00edc\u00ed reaguj\u00ed a v&nbsp;p\u0159edstihu nav\u0161t\u011bvuj\u00ed banky, aby z\u00edskali kalkulaci, k&nbsp;jak\u00e9 po\u0159izovac\u00ed cen\u011b nemovitosti se mohou zav\u00e1zat, pokud ji budou cht\u00edt financovat hypote\u010dn\u00edm \u00fav\u011brem. \u0158ada z&nbsp;nich je v\u0161ak omezena na stran\u011b p\u0159\u00edjm\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">U star\u0161\u00edch nemovitost\u00ed byl zaznamen\u00e1n pokles nab\u00eddkov\u00fdch cen a\u017e o 30 %, nejm\u00e9n\u011b zlev\u0148uj\u00ed novostavby v&nbsp;atraktivn\u00edch lokalit\u00e1ch a v&nbsp;centrech m\u011bst.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O\u017eiven\u00ed realitn\u00edho trhu m\u016f\u017ee p\u0159in\u00e9st sou\u010dasn\u00e9 sni\u017eov\u00e1n\u00ed sazeb hypote\u010dn\u00edch \u00fav\u011br\u016f spolu s&nbsp;poklesem cen nemovitost\u00ed. Na v\u00fdrazn\u011bj\u0161\u00ed pokles sazeb ale mus\u00ed klienti bank po\u010dkat do chv\u00edle, kdy \u010cNB dostane inflaci pod kontrolu a sn\u00ed\u017e\u00ed z\u00e1kladn\u00ed REPO sazbu. Nab\u00eddkov\u00e1 sazba hypot\u00e9k Hypote\u010dn\u00ed \u00fav\u011bry jsou aktu\u00e1ln\u011b nab\u00edzeny v&nbsp;pr\u016fm\u011bru za 6,3 %, ale v&nbsp;meziro\u010dn\u00edm srovn\u00e1n\u00ed to znamen\u00e1 v\u00fdrazn\u00fd pokles. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":948,"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-947","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>Trh zaznamenal nejv\u011bt\u0161\u00ed sn\u00ed\u017een\u00ed sazeb hypot\u00e9k za posledn\u00ed dva roky. 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Bude to sta\u010dit k o\u017eiven\u00ed realitn\u00edho trhu? - Jana Mozici - Realitni makl\u00e9\u0159ka\" \/>\n<meta property=\"og:description\" content=\"O\u017eiven\u00ed realitn\u00edho trhu m\u016f\u017ee p\u0159in\u00e9st sou\u010dasn\u00e9 sni\u017eov\u00e1n\u00ed sazeb hypote\u010dn\u00edch \u00fav\u011br\u016f spolu s&nbsp;poklesem cen nemovitost\u00ed. Na v\u00fdrazn\u011bj\u0161\u00ed pokles sazeb ale mus\u00ed klienti bank po\u010dkat do chv\u00edle, kdy \u010cNB dostane inflaci pod kontrolu a sn\u00ed\u017e\u00ed z\u00e1kladn\u00ed REPO sazbu. Nab\u00eddkov\u00e1 sazba hypot\u00e9k Hypote\u010dn\u00ed \u00fav\u011bry jsou aktu\u00e1ln\u011b nab\u00edzeny v&nbsp;pr\u016fm\u011bru za 6,3 %, ale v&nbsp;meziro\u010dn\u00edm srovn\u00e1n\u00ed to znamen\u00e1 v\u00fdrazn\u00fd pokles. 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