{"id":134413,"date":"2026-06-30T17:06:09","date_gmt":"2026-06-30T17:06:09","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/134413\/"},"modified":"2026-06-30T17:06:09","modified_gmt":"2026-06-30T17:06:09","slug":"hypoteky-jsou-drahe-ale-cekani-na-levnejsi-se-nemusi-vyplatit-ekonomove-vysvetlili-proc","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/134413\/","title":{"rendered":"Hypot\u00e9ky jsou drah\u00e9, ale \u010dek\u00e1n\u00ed na levn\u011bj\u0161\u00ed se nemus\u00ed vyplatit. Ekonomov\u00e9 vysv\u011btlili, pro\u010d"},"content":{"rendered":"<p>\n                        Sen o vlastn\u00edm bydlen\u00ed se \u010cech\u016fm d\u00e1l vzdaluje. Hypot\u00e9ky jsou nejdra\u017e\u0161\u00ed za posledn\u00ed rok a p\u016fl a podle odborn\u00edk\u016f bude h\u016f\u0159. Jen v \u010dervnu se pr\u016fm\u011brn\u011b zvedly o v\u00edce ne\u017e desetinu procentn\u00edho bodu. Nav\u00edc do toho je\u0161t\u011b m\u016f\u017ee zas\u00e1hnout \u010cesk\u00e1 n\u00e1rodn\u00ed banka. Podle ekonom\u016f nejsp\u00ed\u0161 chyst\u00e1 zv\u00fd\u0161en\u00ed z\u00e1kladn\u00ed \u00farokov\u00e9 sazby.\n                    <\/p>\n<p>Od b\u0159eznov\u00e9ho vypuknut\u00ed konfliktu na Bl\u00edzk\u00e9m v\u00fdchod\u011b se pr\u016fm\u011brn\u00fd hypote\u010dn\u00ed \u00farok nav\u00fd\u0161il o v\u00edce ne\u017e \u010dty\u0159i desetiny procentn\u00edho bodu. Na pr\u016fm\u011brn\u00e9, tedy p\u011btimilionov\u00e9, hypot\u00e9ce se splatnost\u00ed 20 let to na m\u011bs\u00ed\u010dn\u00ed spl\u00e1tce d\u011bl\u00e1 o 1 138 korun nav\u00edc.<\/p>\n<p>\u010cT\u011aTE TAK\u00c9: <a target=\"_blank\" href=\"https:\/\/cnn.iprima.cz\/americana-izolovaneho-kvuli-ebole-propustili-z-bulovky-pochvalil-lekarskou-peci-v-cesku-514405\" rel=\"nofollow noopener\">Ameri\u010dana izolovan\u00e9ho kv\u016fli ebole propustili z Bulovky. Pochv\u00e1lil l\u00e9ka\u0159skou p\u00e9\u010di v \u010cesku.<\/a><\/p>\n<p>Po\u0159\u00edzen\u00ed nemovitosti se tak st\u00e1le v\u00edce st\u00e1v\u00e1 nedostupn\u00fdm luxusem. Vysok\u00fd \u00farok odradil od hypot\u00e9ky t\u0159eba \u010dty\u0159iadvacetilet\u00e9ho Ji\u0159\u00edho. \u201eByla to v\u011bc, kv\u016fli kter\u00e9 jsem se nerozhodl. Za\u017e\u00e1dal jsem si, ale nakonec jsem se rozhodl, \u017ee to nep\u0159ijmu,\u201c \u0159ekl CNN Prima NEWS.<\/p>\n<p>Za skokov\u011b navy\u0161uj\u00edc\u00edmi se hypote\u010dn\u00edmi \u00faroky stoj\u00ed s\u00edl\u00edc\u00ed infla\u010dn\u00ed tlaky. \u201eJe to p\u0159edev\u0161\u00edm r\u016fst ceny pen\u011bz ve sv\u011btov\u00e9 ekonomice, kter\u00fd je spojen\u00fd s nejistotami,\u201c \u0159ekl hlavn\u00ed ekonom XTB CZ\/SK Pavel Peterka.<\/p>\n<p>Pen\u00edze zdra\u017euje v\u00e1lka v \u00cdr\u00e1nu, ale tak\u00e9 obchodn\u00ed politika Donalda Trumpa. Trhy proto po\u010d\u00edtaj\u00ed, \u017ee centr\u00e1ln\u00ed banky budou zvedat sv\u00e9 z\u00e1kladn\u00ed \u00farokov\u00e9 sazby. Ta \u010desk\u00e1 by se k tomu mohla odhodlat u\u017e p\u0159\u00ed\u0161t\u00ed t\u00fdden. P\u0159itom t\u00e9m\u011b\u0159 rok dr\u017eela \u00farok na \u00farovni 3,50 procenta. \u201eNelze vylou\u010dit ani dvoj\u00ed zv\u00fd\u0161en\u00ed, pokud konflikt v \u00cdr\u00e1nu bude p\u0159etrv\u00e1vat,\u201c dod\u00e1v\u00e1 Peterka.<\/p>\n<p>Krok \u010cesk\u00e9 n\u00e1rodn\u00ed banky by znamenal dal\u0161\u00ed tlak na r\u016fst \u00farok\u016f u hypot\u00e9k.<\/p>\n<p>Odkl\u00e1dat hypot\u00e9ky se nevyplat\u00ed<\/p>\n<p>Ti, kte\u0159\u00ed cht\u011bj\u00ed vlastn\u00ed bydlen\u00ed a dos\u00e1hnou na hypot\u00e9ku, by podle odborn\u00edk\u016f nem\u011bli n\u00e1kup nemovitosti navzdory vy\u0161\u0161\u00edm \u00farokov\u00fdm sazb\u00e1m odkl\u00e1dat. \u201eKdybych koupi odlo\u017eil a po\u0159izoval nemovitost a\u017e za t\u0159i nebo p\u011bt let, pravd\u011bpodobn\u011b by m\u011b vy\u0161\u0161\u00ed n\u00e1r\u016fst jej\u00ed ceny st\u00e1l v\u00edce, ne\u017e kolik bych mezit\u00edm p\u0159eplatil na hypot\u00e9ce kv\u016fli vy\u0161\u0161\u00ed fixaci,\u201c vysv\u011btlil odborn\u00edk na finan\u010dn\u00ed pl\u00e1nov\u00e1n\u00ed Old\u0159ich Ber\u00e1nek.<\/p>\n<p>\u201eUr\u010dit\u011b bych ne\u010dekal na sn\u00ed\u017een\u00ed sazeb, proto\u017ee se lid\u00e9 vystavuj\u00ed riziku, \u017ee ceny nemovitost\u00ed porostou. Mohli by pak kupovat dra\u017e\u0161\u00ed nemovitost za podobnou m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku hypot\u00e9ky,\u201c rad\u00ed investi\u010dn\u00ed \u0159editel spole\u010dnosti 4fin Tom\u00e1\u0161 Trau\u0161ke. Po\u0159\u00edzen\u00ed vlastn\u00edho bydlen\u00ed u\u017e v\u0161ak podle odborn\u00edk\u016f automaticky neznamen\u00e1 nejv\u00fdhodn\u011bj\u0161\u00ed \u0159e\u0161en\u00ed pro ka\u017ed\u00e9ho.<\/p>\n<p>\u201eTo, co dnes u\u0161et\u0159\u00edm za n\u00e1jem vs. spl\u00e1tka hypot\u00e9ky mohu investovat na finan\u010dn\u00edch trz\u00edch, a t\u00edm si i vykompenzovat to, \u017ee tu nemovitost m\u00edt nebudu,\u201c vysv\u011btluje Jarom\u00edr \u0160indel, kter\u00fd je hlavn\u00edm ekonomem \u010cesk\u00e9 bankovn\u00ed asociace.<\/p>\n<p>MOHLO BY V\u00c1S ZAJ\u00cdMAT: <a target=\"_blank\" href=\"https:\/\/cnn.iprima.cz\/hribovite-houby-zaplavily-ceske-lesy-mapa-vam-ukaze-zda-rostou-i-ve-vasem-regionu-514174\" rel=\"nofollow noopener\">H\u0159ibovit\u00e9 houby zaplavily \u010desk\u00e9 lesy. MAPA v\u00e1m uk\u00e1\u017ee, zda rostou i ve va\u0161em regionu.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Sen o vlastn\u00edm bydlen\u00ed se \u010cech\u016fm d\u00e1l vzdaluje. Hypot\u00e9ky jsou nejdra\u017e\u0161\u00ed za posledn\u00ed rok a p\u016fl a podle&hellip;\n","protected":false},"author":2,"featured_media":134414,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[12],"tags":[67,1311,68,3911,42,21832,708,34109,9317,686,11137,4403,2887,2886,24542,11429,9775,684,11737],"class_list":["post-134413","post","type-post","status-publish","format-standard","has-post-thumbnail","category-byznys","tag-business","tag-bydleni","tag-byznys","tag-ceska-narodni-banka","tag-cesko","tag-ekonom","tag-ekonomika","tag-financni-sluzby","tag-hypotecni-uver","tag-inflace","tag-makroekonomie","tag-nemovitost","tag-obchod-a-finance","tag-produkty-a-sluzby","tag-splatka","tag-stavebnictvi-a-nemovitosti","tag-urok","tag-urokova-sazba","tag-valka-v-iranu"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116840155256848452","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/134413","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=134413"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/134413\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/134414"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=134413"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=134413"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=134413"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}