Pan Karel uva\u017euje trochu odli\u0161n\u011b ne\u017e v\u011bt\u0161ina lid\u00ed v jeho okol\u00ed. Domn\u00edv\u00e1 se, \u017ee geopolitick\u00e9 ot\u0159esy posledn\u00edch let nez\u016fstanou izolovanou epizodou, ale stanou se nov\u00fdm glob\u00e1ln\u00edm norm\u00e1lem s p\u0159\u00edm\u00fdm dopadem na ekonomiku a inflaci. Neo\u010dek\u00e1v\u00e1, \u017ee se centr\u00e1ln\u00edm bank\u00e1m v\u010detn\u011b t\u00e9 \u010desk\u00e9 p\u0159i sou\u010dasn\u00fdch sazb\u00e1ch poda\u0159\u00ed ve st\u0159edn\u011bdob\u00e9m horizontu plnit sv\u00e9 infla\u010dn\u00ed c\u00edle, proto\u017ee bank\u00e9\u0159i v mal\u00fdch ekonomik\u00e1ch jednodu\u0161e nep\u0159etla\u010d\u00ed glob\u00e1ln\u00ed vlivy.\u00a0<\/p>\n
Proto se domn\u00edv\u00e1, \u017ee \u00farokov\u00e9 sazby budou muset b\u00fdt ve st\u0159edn\u011bdob\u00e9m horizontu vy\u0161\u0161\u00ed ne\u017e nyn\u00ed. Karlovy n\u00e1zory p\u0159\u00edmo ovlivnily jeho volbu d\u00e9lky fixace hypot\u00e9ky. Rozhodl se pro osmiletou fixaci, aby si sou\u010dasnou sazbu udr\u017eel co nejd\u00e9le. Jen\u017ee nepochodil. Kdy\u017e obe\u0161el trh, zjistil, \u017ee takov\u00e1 fixace bu\u010f nen\u00ed v\u016fbec dostupn\u00e1, nebo je prohibitivn\u011b drah\u00e1.\u00a0<\/p>\n
\u201eFixaci hypot\u00e9ky<\/a> na del\u0161\u00ed obdob\u00ed ne\u017e p\u011bt let si u n\u00e1s bere jen velmi m\u00e1lo klient\u016f, zhruba okolo jednoho procenta,\u201c uv\u00e1d\u00ed mluv\u010d\u00ed \u010cesk\u00e9 spo\u0159itelny Luk\u00e1\u0161 Krop\u00edk. \u010c\u00e1st klient\u016f s\u00e1z\u00ed na to, \u017ee za p\u011bt let budou sazby ni\u017e\u0161\u00ed a \u00farokov\u00e9 n\u00e1klady tak klesnou. Zbytek z\u00e1jemc\u016f \u00e0 la pan Karel ale odrad\u00ed cenov\u00e1 politika<\/a> bank, kter\u00e1 del\u0161\u00ed ne\u017e p\u011btilet\u00e9 fixace dramaticky prodra\u017euje. Podle bank\u00e9\u0159\u016f za to m\u016f\u017ee legislativa. Osmilet\u00e1 fixace<\/a> tak nap\u0159\u00edklad v p\u0159\u00edpad\u011b \u010cesk\u00e9 spo\u0159itelny vych\u00e1z\u00ed o t\u00e9m\u011b\u0159 p\u016fl procentn\u00edho bodu dr\u00e1\u017e ne\u017e dnes nejobvyklej\u0161\u00ed t\u0159\u00edlet\u00e1. \u201eRozd\u00edl v klientsk\u00e9 cen\u011b je tak vysok\u00fd z toho d\u016fvodu, \u017ee do \u00farokov\u00e9 sazby pro klienta vstupuje tak\u00e9 to, s jakou pravd\u011bpodobnost\u00ed o\u010dek\u00e1v\u00e1me, \u017ee klient danou fixaci nedodr\u017e\u00ed a hypot\u00e9ku p\u0159ed\u010dasn\u011b splat\u00ed,\u201c dod\u00e1v\u00e1 Krop\u00edk.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"Pan Karel uva\u017euje trochu odli\u0161n\u011b ne\u017e v\u011bt\u0161ina lid\u00ed v jeho okol\u00ed. Domn\u00edv\u00e1 se, \u017ee geopolitick\u00e9 ot\u0159esy posledn\u00edch let…\n","protected":false},"author":2,"featured_media":78503,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[12],"tags":[11611,67,68,3911,994,1313,24542,684],"class_list":["post-149202","post","type-post","status-publish","format-standard","has-post-thumbnail","category-byznys","tag-banka","tag-business","tag-byznys","tag-ceska-narodni-banka","tag-ceska-sporitelna","tag-hypoteka","tag-splatka","tag-urokova-sazba"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116928695800939245","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/149202","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=149202"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/149202\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/78503"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=149202"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=149202"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=149202"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}