{"id":121469,"date":"2026-06-18T07:20:11","date_gmt":"2026-06-18T07:20:11","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/121469\/"},"modified":"2026-06-18T07:20:11","modified_gmt":"2026-06-18T07:20:11","slug":"ma-pravdu-babis-nebo-michl-zebricek-ukazuje-jak-ma-cesko-drahe-hypoteky-ve-srovnani-s-eu","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/121469\/","title":{"rendered":"M\u00e1 pravdu Babi\u0161, nebo Michl? \u017deb\u0159\u00ed\u010dek ukazuje, jak m\u00e1 \u010cesko drah\u00e9 hypot\u00e9ky ve srovn\u00e1n\u00ed s EU"},"content":{"rendered":"<p data-start=\"470\" data-end=\"796\">M\u00e1 pravdu premi\u00e9r Andrej Babi\u0161 (ANO), kdy\u017e \u0159\u00edk\u00e1, \u017ee m\u00e1 \u010cesko zbyte\u010dn\u011b drah\u00e9 <a href=\"https:\/\/www.e15.cz\/ekonomika\/hypoteky-zabrzdily-uroky-znovu-rostou-a-prumerny-uver-se-blizi-peti-milionum-1433517\" target=\"_blank\" rel=\"noopener nofollow\">hypot\u00e9ky<\/a> a \u010cNB dr\u017een\u00edm vy\u0161\u0161\u00edch sazeb ni\u010d\u00ed lidem sny o vlastn\u00edm bydlen\u00ed? Nebo je opatrnost bankovn\u00ed rady veden\u00e9 Ale\u0161em Michlem na m\u00edst\u011b? \u017deb\u0159\u00ed\u010dek n\u00ed\u017ee ukazuje, kde je v Evropsk\u00e9 unii cesta k vlastn\u00edmu bydlen\u00ed nejdra\u017e\u0161\u00ed.<\/p>\n<p data-start=\"798\" data-end=\"1043\">Rozd\u00edly jsou obrovsk\u00e9. V n\u011bkter\u00fdch zem\u00edch si lid\u00e9 p\u016fj\u010duj\u00ed na bydlen\u00ed za sazby kolem dvou procent, jinde se \u00faroky bl\u00ed\u017e\u00ed i osmi procent\u016fm. \u010cesko p\u0159itom podle posledn\u00edch dostupn\u00fdch <a href=\"https:\/\/data.ecb.europa.eu\/key-figures\/money-credit-and-banking\/bank-interest-rates\/loans?tab=Households&amp;indicator=Loans+for+house+purchase%2C+total\" target=\"_blank\" rel=\"noopener nofollow\">dat Evropsk\u00e9 centr\u00e1ln\u00ed banky (ECB)<\/a> pat\u0159\u00ed mezi nejdra\u017e\u0161\u00ed hypote\u010dn\u00ed trhy v EU.<\/p>\n<p data-path-to-node=\"5\">Data vych\u00e1zej\u00ed z \u010dist\u00fdch \u00farokov\u00fdch sazeb u nov\u011b poskytnut\u00fdch \u00fav\u011br\u016f a nezahrnuj\u00ed tedy dodate\u010dn\u00e9 bankovn\u00ed poplatky. Uveden\u00e9 hypote\u010dn\u00ed sazby pro jednotliv\u00e9 zem\u011b vych\u00e1zej\u00ed z posledn\u00edch dostupn\u00fdch dat ECB za duben 2026. Z\u00e1kladn\u00ed sazba ozna\u010duje hlavn\u00ed \u00farokovou sazbu stanovenou centr\u00e1ln\u00ed bankou dan\u00e9 zem\u011b. U \u010dlensk\u00fdch st\u00e1t\u016f euroz\u00f3ny \u010din\u00ed z\u00e1kladn\u00ed \u00farokov\u00e1 sazba ECB 2,4 procenta.<\/p>\n<p>10. Nizozemsko<\/p>\n<p data-path-to-node=\"8,0,0\">\u00darok u hypot\u00e9k: 3,64 %<\/p>\n<p data-path-to-node=\"8,1,0\">Z\u00e1kladn\u00ed sazba: 2,4 %<\/p>\n<p data-path-to-node=\"9\">Des\u00edtku nejdra\u017e\u0161\u00edch hypote\u010dn\u00edch trh\u016f v Evropsk\u00e9 unii otev\u00edr\u00e1 Nizozemsko. P\u0159esto\u017ee Holan\u010fan\u00e9 plat\u00ed eurem a spadaj\u00ed tak pod plo\u0161nou sazbu ECB (2,4 %), tamn\u00ed vysoce konkuren\u010dn\u00ed bankovn\u00ed trh dok\u00e1\u017ee dr\u017eet pr\u016fm\u011brn\u00e9 sazby na p\u0159ijateln\u00e9 \u00farovni. Rozd\u00edl mezi z\u00e1kladn\u00ed sazbou a t\u00edm, co nakonec plat\u00ed klienti (tzv. spread), \u010din\u00ed zhruba 1,2 procentn\u00edho bodu, co\u017e p\u0159edstavuje zdrav\u00fd evropsk\u00fd standard.<\/p>\n","protected":false},"excerpt":{"rendered":"M\u00e1 pravdu premi\u00e9r Andrej Babi\u0161 (ANO), kdy\u017e \u0159\u00edk\u00e1, \u017ee m\u00e1 \u010cesko zbyte\u010dn\u011b drah\u00e9 hypot\u00e9ky a \u010cNB dr\u017een\u00edm vy\u0161\u0161\u00edch&hellip;\n","protected":false},"author":2,"featured_media":121470,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[7],"tags":[13106,266,1311,3911,43,42,41,40,7968,321,571,1313,1667,684],"class_list":["post-121469","post","type-post","status-publish","format-standard","has-post-thumbnail","category-cesko","tag-ales-michl","tag-andrej-babis","tag-bydleni","tag-ceska-narodni-banka","tag-ceska-republika","tag-cesko","tag-czech-republic","tag-czechia","tag-eurozona","tag-evropska-centralni-banka","tag-evropska-unie","tag-hypoteka","tag-listovackae15","tag-urokova-sazba"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116769903277533640","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/121469","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/comments?post=121469"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/121469\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/121470"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=121469"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=121469"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=121469"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}