Pamatujete si je\u0161t\u011b na lo\u0148sk\u00fd podzim, kdy vrcholil p\u0159edvolebn\u00ed cirkus? Z\u00a0tehdej\u0161\u00edch v\u0161udyp\u0159\u00edtomn\u00fdch billboard\u016f hnut\u00ed ANO na n\u00e1s shl\u00ed\u017eeli Andrej Babi\u0161 a\u00a0Alena Schillerov\u00e1 s\u00a0l\u00e1kav\u00fdm, prost\u00fdm heslem: \u201eVolte levn\u011bj\u0161\u00ed hypot\u00e9ky.\u201c Pozadu nez\u016fst\u00e1valo ani hnut\u00ed SPD, kter\u00e9 \u00fasty Marie Po\u0161arov\u00e9 v\u00a0p\u0159edvolebn\u00edch anket\u00e1ch slibovalo \u201ev\u00fdhodn\u00e9 st\u00e1tn\u00ed hypot\u00e9ky na startovac\u00ed bydlen\u00ed\u201c, \u010di tehdy je\u0161t\u011b vl\u00e1dn\u00ed STAN a\u00a0Pir\u00e1ti, kte\u0159\u00ed se p\u0159edh\u00e1n\u011bli v\u00a0n\u00e1padech na \u00farokov\u00e9 \u00falevy a\u00a0dotace. \u010clov\u011bk by tehdy pod palbou agresivn\u00edho politick\u00e9ho marketingu skoro nabyl dojmu, \u017ee sta\u010d\u00ed hodit ten spr\u00e1vn\u00fd l\u00edstek do urny, nov\u00e1 reprezentace se ujme moci a\u00a0r\u00e1zem n\u00e1m bankovn\u00ed \u00fa\u0159edn\u00edci za\u010dnou pen\u00edze na bydlen\u00ed rozd\u00e1vat s\u00a0\u00fasm\u011bvem, m\u00e1v\u00e1n\u00edm a\u00a0za hubi\u010dku.<\/p>\n
Moment\u00e1ln\u011b se nach\u00e1z\u00edme v\u00a0polovin\u011b roku 2026.\u00a0U\u00a0moci je ji\u017e p\u0159es p\u016fl roku nov\u00e1 vl\u00e1dn\u00ed koalice hnut\u00ed ANO, SPD a\u00a0Motorist\u016f sob\u011b. A\u00a0realita? Ta p\u0159inesla tak ledovou sprchu, \u017ee spolehliv\u011b spl\u00e1chla jak\u00e9koli sliby z\u00a0lo\u0148sk\u00fdch programov\u00fdch bro\u017eur.<\/p>\n
Evropsk\u00fd suter\u00e9n a\u00a0konec iluz\u00ed<\/p>\n
\u010cesk\u00fd hypote\u010dn\u00ed a\u00a0realitn\u00ed trh za\u017e\u00edv\u00e1 v\u00a0t\u011bchto dnech bolestiv\u00e9 vyst\u0159\u00edzliv\u011bn\u00ed. Po p\u0159echodn\u00e9m a\u00a0velmi m\u00edrn\u00e9m optimismu na samotn\u00e9m za\u010d\u00e1tku roku se trend definitivn\u011b obr\u00e1til. Podle nej\u010derstv\u011bj\u0161\u00edch \u010dervnov\u00fdch dat. Jak\u00e1koli iluze o\u00a0rychl\u00e9m n\u00e1vratu ke \u010dty\u0159procentn\u00edm nebo dokonce t\u0159\u00edprocentn\u00edm \u00fav\u011br\u016fm, o\u00a0nich\u017e st\u00e1vaj\u00edc\u00ed vl\u00e1dn\u00ed garnitura b\u00e1snila v\u00a0kampani, se definitivn\u011b rozplynula.<\/p>\n
U modelov\u00e9ho \u00fav\u011bru na 3,5\u00a0milionu korun to v\u00a0praxi znamen\u00e1, \u017ee m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka se bezpe\u010dn\u011b dr\u017e\u00ed nad psychologickou hranic\u00ed dvaceti tis\u00edc korun, sp\u00ed\u0161e atakuje p\u011btadvacet tis\u00edc. Lid\u00e9, kte\u0159\u00ed loni uv\u011b\u0159ili slib\u016fm o\u00a0levn\u00fdch pen\u011bz\u00edch a\u00a0odlo\u017eili koupi bytu na leto\u0161ek, dnes jen bezmocn\u011b sleduj\u00ed, jak jim banky pos\u00edlaj\u00ed kalkulace s\u00a0je\u0161t\u011b vy\u0161\u0161\u00edmi \u00faroky ne\u017e p\u0159ed rokem.<\/p>\n
A do toho p\u0159ich\u00e1zej\u00ed tvrd\u00e1 data o\u00a0samotn\u00fdch cen\u00e1ch nemovitost\u00ed, kter\u00e9 jsou v\u00a0\u010cesku u\u017e dlouho kompletn\u011b utr\u017een\u00e9 ze \u0159et\u011bzu. Podle mezin\u00e1rodn\u00edho srovn\u00e1n\u00ed Deloitte Property Indexu se Praha v\u00a0nedostupnosti bydlen\u00ed stabiln\u011b \u0159ad\u00ed mezi trojici absolutn\u011b nejhor\u0161\u00edch metropol\u00ed v\u00a0cel\u00e9 Evrop\u011b<\/a>. K\u00a0po\u0159\u00edzen\u00ed vlastn\u00edho bytu o\u00a0modelov\u00e9 velikosti 70\u00a0m2\u00a0je v\u00a0hlavn\u00edm m\u011bst\u011b pot\u0159eba neuv\u011b\u0159iteln\u00fdch 15\u00a0pr\u016fm\u011brn\u00fdch ro\u010dn\u00edch hrub\u00fdch mezd, co\u017e p\u0159edstavuje 180\u00a0cel\u00fdch m\u011bs\u00ed\u010dn\u00edch plat\u016f. Hor\u0161\u00ed situace panuje u\u017e jen v\u00a0nizozemsk\u00e9m Amsterdamu a\u00a0v \u0159eck\u00fdch Ath\u00e9n\u00e1ch. Naopak v\u00a0italsk\u00e9m Tur\u00edn\u011b \u010di d\u00e1nsk\u00e9m Odense lidem na po\u0159\u00edzen\u00ed bytu sta\u010d\u00ed m\u00e9n\u011b ne\u017e t\u0159etina t\u00e9to z\u00e1t\u011b\u017ee.<\/p>\n Aby toho nebylo m\u00e1lo, \u010derstv\u00e1 \u010d\u00edsla z\u00a0pra\u017esk\u00e9ho developersk\u00e9ho trhu (Deloitte Develop Index) za prvn\u00ed kvart\u00e1l roku 2026\u00a0ukazuj\u00ed, \u017ee pr\u016fm\u011brn\u00e1 cena nov\u00e9ho bydlen\u00ed v\u00a0Praze stoupla na astronomick\u00fdch 180\u00a0300\u00a0K\u010d za metr \u010dtvere\u010dn\u00ed<\/a>. Pokud byste zatou\u017eili po bydlen\u00ed v\u00a0centru na Praze 1, tam pr\u016fm\u011brn\u00e1 cena novostaveb vyst\u0159elila na \u0161\u00edlen\u00fdch 317\u00a0800\u00a0K\u010d\/m2.\u00a0Za posledn\u00ed dek\u00e1du se tak ceny nov\u00fdch byt\u016f v\u00a0metropoli v\u00a0podstat\u011b ztrojn\u00e1sobily. Nen\u00ed divu, \u017ee z\u00a0Prahy prob\u00edh\u00e1 masivn\u00ed exodus obyvatel a\u00a0st\u0159edn\u00ed t\u0159\u00edda odch\u00e1z\u00ed bydlet daleko za hranice m\u011bsta, \u010d\u00edm\u017e se obce v\u00a0okol\u00ed metropole dost\u00e1vaj\u00ed pod ne\u00fanosn\u00fd infrastrukturn\u00ed tlak.<\/p>\n Co n\u00e1m dne\u0161n\u00ed vl\u00e1dci v\u011b\u0161eli na nos?<\/p>\n Kdy\u017e se pod\u00edv\u00e1me zp\u011bt na rozs\u00e1hl\u00e9 p\u0159edvolebn\u00ed ankety a\u00a0prohl\u00e1\u0161en\u00ed, kter\u00e9 loni p\u0159inesly port\u00e1ly iDNES.cz<\/a> a\u00a0Den\u00edk.cz<\/a>, p\u016fsob\u00ed tehdej\u0161\u00ed citace dne\u0161n\u00edch vl\u00e1dn\u00edch p\u0159edstavitel\u016f jako z\u00a0paraleln\u00edho sci-fi vesm\u00edru.<\/p>\n Sou\u010dasn\u00e9 nejsiln\u011bj\u0161\u00ed vl\u00e1dn\u00ed hnut\u00ed ANO, reprezentovan\u00e9 tehdy st\u00ednov\u00fdm a\u00a0dnes re\u00e1ln\u00fdm ministrem Ale\u0161em Juchelkou, loni nap\u0159\u00edklad tvrdilo, \u017ee je pro n\u011b kl\u00ed\u010dov\u00e9 podporovat mlad\u00e9 lidi, kte\u0159\u00ed by cht\u011bli m\u00edt dostupn\u011bj\u0161\u00ed bydlen\u00ed z\u00a0hlediska hypot\u00e9k nebo p\u016fj\u010dek. Slibovali levn\u011bj\u0161\u00ed hypot\u00e9ky pro mlad\u00e9 rodiny pe\u010duj\u00edc\u00ed o\u00a0d\u00edt\u011b i\u00a0pro vybran\u00e9 profese, bez\u00faro\u010dn\u00e9 st\u00e1tn\u00ed p\u016fj\u010dky na prvn\u00ed bydlen\u00ed, a\u00a0Andrej Babi\u0161 dokonce rozjel ostr\u00fd n\u00e1tlak na guvern\u00e9ra \u010cesk\u00e9 n\u00e1rodn\u00ed banky Ale\u0161e Michla s\u00a0t\u00edm, \u017ee ho kroky centr\u00e1ln\u00ed banky neskute\u010dn\u011b roz\u010diluj\u00ed<\/a>, na\u010de\u017e po\u017eadoval okam\u017eit\u00e9 sra\u017een\u00ed z\u00e1kladn\u00edch sazeb. Dnes, kdy\u017e ANO re\u00e1ln\u011b sed\u00ed ve vl\u00e1dn\u00edch lavic\u00edch, v\u0161ak zji\u0161\u0165uje, \u017ee komer\u010dn\u00ed banky na jejich p\u0159\u00e1n\u00ed zvysoka ka\u0161lou, proto\u017ee \u00faroky hypot\u00e9k nez\u00e1vis\u00ed na moment\u00e1ln\u00ed n\u00e1lady politik\u016f, ale od takzvan\u00fdch \u00farokov\u00fdch swap\u016f<\/a>, tedy od ceny, za kterou si banky samy p\u016fj\u010duj\u00ed pen\u00edze na finan\u010dn\u00edch trz\u00edch na roky dop\u0159edu. Vzhledem k\u00a0tomu, \u017ee finan\u010dn\u00ed trhy st\u00e1le dus\u00ed geopolitick\u00e1 nervozita na Bl\u00edzk\u00e9m v\u00fdchod\u011b, hrozba energetick\u00e9 nestability a\u00a0obavy z\u00a0n\u00e1vratu glob\u00e1ln\u00ed inflace, swapy neklesaj\u00ed, banky se jist\u00ed proti riziku a\u00a0\u017e\u00e1dn\u00fd vl\u00e1dn\u00ed dekret jim nem\u016f\u017ee na\u0159\u00eddit, aby lidem p\u016fj\u010dovaly se ztr\u00e1tou.<\/p>\n Druh\u00fd vl\u00e1dn\u00ed partner, SPD Tomia Okamury, \u0161el loni v\u00a0kampani je\u0161t\u011b mnohem d\u00e1l a\u00a0\u00fasty Marie Po\u0161arov\u00e9 sliboval, \u017ee mlad\u00fdm rodin\u00e1m nab\u00eddne v\u00fdhodn\u00e9 st\u00e1tn\u00ed hypot\u00e9ky na startovac\u00ed bydlen\u00ed, aby nemusely za\u010d\u00ednat \u017eivot v\u00a0dluhov\u00e9 pasti, k\u00a0\u010demu\u017e p\u0159ihazoval pomoc se spl\u00e1cen\u00edm po dobu p\u00e9\u010de o\u00a0d\u011bti do \u010dty\u0159 let a\u00a0bezplatn\u00e9 p\u0159evody st\u00e1tn\u00edch pozemk\u016f pro obecn\u00ed v\u00fdstavbu. Z\u00e1rove\u0148 Okamura s\u00a0Po\u0161arovou vyt\u00e1hli v\u00a0kampani t\u011b\u017ek\u00fd populistick\u00fd kalibr, kdy\u017e svalili vinu za drah\u00e9 n\u00e1jmy a\u00a0nedostatek byt\u016f na ukrajinsk\u00e9 uprchl\u00edky s\u00a0tvrzen\u00edm, \u017ee a\u017e se vr\u00e1t\u00ed zp\u011bt do sv\u00e9 vlasti, uvoln\u00ed se tis\u00edce byt\u016f, co\u017e povede ke sn\u00ed\u017een\u00ed cen a\u00a0zajist\u00ed dostupn\u011bj\u0161\u00ed bydlen\u00ed. Jsme v\u00a0polovin\u011b roku 2026, migra\u010dn\u00ed vlna se stabilizovala a\u00a0\u010d\u00e1st lid\u00ed ode\u0161la, ale ceny byt\u016f a\u00a0n\u00e1jm\u016f v\u00a0Praze p\u0159esto d\u00e1l vesele rostou tempem p\u0159es dv\u011b procenta za kvart\u00e1l, co\u017e p\u0159esn\u011b potvrzuje slova ekonom\u016f, \u017ee hled\u00e1n\u00ed ob\u011btn\u00edho ber\u00e1nka sice vyhr\u00e1v\u00e1 volby, ale probl\u00e9m struktur\u00e1ln\u00edho nedostatku byt\u016f, kter\u00fd v\u00a0\u010cesku budujeme des\u00edtky let, to prost\u011b nevy\u0159e\u0161\u00ed.<\/p>\n Tuto vl\u00e1dn\u00ed skl\u00e1da\u010dku iluz\u00ed pak uzav\u00edr\u00e1 t\u0159et\u00ed a\u00a0nejmlad\u0161\u00ed \u010dl\u00e1nek dne\u0161n\u00ed vl\u00e1dn\u00ed sestavy, Motorist\u00e9 sob\u011b, kte\u0159\u00ed postavili svou lo\u0148skou kampa\u0148 na tvrd\u00e9m protiregula\u010dn\u00edm narativu, v\u00a0n\u011bm\u017e Boris \u0160\u0165astn\u00fd sliboval dramatick\u00e9 omezen\u00ed regula\u010dn\u00edho tlaku z\u00a0Evropsk\u00e9 unie, zejm\u00e9na v\u00a0r\u00e1mci zelen\u00fdch politik, a\u00a0modernizaci stavebn\u00edho z\u00e1kona, kter\u00e1 m\u011bla zkr\u00e1tit d\u00e9lku povolovac\u00edho procesu na pouh\u00fd jeden m\u011bs\u00edc u\u00a0soukrom\u00e9 bytov\u00e9 v\u00fdstavby. Jejich hlavn\u00ed tv\u00e1\u0159 a\u00a0dne\u0161n\u00ed vl\u00e1dn\u00ed \u010dinitel Filip Turek zase v\u00a0anket\u00e1ch tvrdil, \u017ee za nedostatek byt\u016f mohou neziskov\u00e9 organizace napojen\u00e9 na ministerstva, kter\u00e9 schv\u00e1ln\u011b \u0161ikanuj\u00ed developery, a\u00a0sliboval, \u017ee zru\u0161en\u00edm emisn\u00edch povolenek zlevn\u00ed energii, cement, sklo a\u00a0ocel, \u010d\u00edm\u017e se bydlen\u00ed z\u00e1zra\u010dn\u011b uzdrav\u00ed. I\u00a0kdy\u017e m\u00e1 hnut\u00ed pravdu v\u00a0tom, \u017ee zelen\u00e1 byrokracie stavebnictv\u00ed ne\u00faprosn\u011b prodra\u017euje, slibovat zkr\u00e1cen\u00ed povolovac\u00edho \u0159\u00edzen\u00ed na jeden m\u011bs\u00edc v\u00a0zemi, kde \u00fa\u0159ady nest\u00edhaj\u00ed vy\u0159izovat ani b\u011b\u017enou agendu, bylo od za\u010d\u00e1tku \u010distou utopi\u00ed, proto\u017ee emisn\u00ed povolenky se na evropsk\u00e9 \u00farovni zat\u00edm nikomu zru\u0161it nepoda\u0159ilo a\u00a0stavebn\u00ed materi\u00e1l dnes levn\u011bj\u0161\u00ed rozhodn\u011b nen\u00ed.<\/p>\n Dotace jako ekonomick\u00fd jed: Pro\u010d vl\u00e1dn\u00ed recepty selh\u00e1vaj\u00ed<\/p>\n \u010cesk\u00fd realitn\u00ed trh toti\u017e netrp\u00ed nedostatkem pen\u011bz na stran\u011b kupuj\u00edc\u00edch. Lid\u00e9 by byty kupovali r\u00e1di, popt\u00e1vka je obrovsk\u00e1. Probl\u00e9m je na stran\u011b nab\u00eddky\u00a0\u2013 byty prost\u011b fyzicky nejsou. Pokud do takto zablokovan\u00e9ho trhu, kde se bije deset z\u00e1jemc\u016f o\u00a0jeden voln\u00fd byt, nasypete st\u00e1tn\u00ed dotace nebo levn\u00e9 man\u017eelsk\u00e9 p\u016fj\u010dky, stane se jedin\u00e1 v\u011bc: develope\u0159i a\u00a0prod\u00e1vaj\u00edc\u00ed okam\u017eit\u011b zapo\u010d\u00edtaj\u00ed st\u00e1tn\u00ed podporu do kone\u010dn\u00e9 ceny nemovitosti. Byt, kter\u00fd loni st\u00e1l 6\u00a0milion\u016f, bude r\u00e1zem st\u00e1t 6,5\u00a0milionu. Mlad\u00e1 rodina sice z\u00edsk\u00e1 od st\u00e1tu o\u00a0n\u011bco ni\u017e\u0161\u00ed \u00farok, ale bude si muset p\u016fj\u010dit na brut\u00e1ln\u011b p\u0159edra\u017een\u00fd byt. V\u00fdsledn\u00fd efekt pro dostupnost bude nulov\u00fd. Jedin\u00fd, kdo na tomto populistick\u00e9m experimentu poh\u00e1dkov\u011b vyd\u011bl\u00e1, budou bankovn\u00ed domy, velc\u00ed develope\u0159i a\u00a0stavebn\u00ed firmy. St\u00e1tn\u00ed kasa se p\u0159itom \u0161\u00edlen\u011b prohne.<\/p>\n Nav\u00edc se ukazuje obrovsk\u00e1 nespravedlnost tohoto syst\u00e9mu<\/a>. Pro\u010d by m\u011bl b\u011b\u017en\u00fd \u0159emesln\u00edk, IT specialista nebo drobn\u00fd \u017eivnostn\u00edk ze sv\u00fdch dan\u00ed dotovat levn\u011bj\u0161\u00ed bydlen\u00ed n\u011bkomu jin\u00e9mu jen proto, \u017ee st\u00e1t arbitr\u00e1rn\u011b rozhodl, kter\u00e1 profese je \u201ekl\u00ed\u010dov\u00e1\u201c? Podobn\u00e9 n\u00e1pady pouze roze\u0161tv\u00e1vaj\u00ed u\u017e tak napjatou spole\u010dnost.<\/p>\n Zpackan\u00e1 digitalizace v\u00a0trosk\u00e1ch<\/p>\n