![](\"https:\/\/www.europesays.com\/cz\/wp-content\/uploads\/2026\/07\/hypoindex.jpeg\")
<\/a><\/p>\nKonkr\u00e9tn\u00ed p\u0159\u00ed\u010dinu aktu\u00e1ln\u00edho r\u016fstu sazeb popisuje hlavn\u00ed ekonom Patria Finance Dominik Rusinko. D\u016fvodem zdra\u017eov\u00e1n\u00ed sazeb je podle n\u011bj zdra\u017een\u00ed tr\u017en\u00edch zdroj\u016f, takzvan\u00fdch \u00farokov\u00fdch swap\u016f, od kter\u00fdch banky odvozuj\u00ed cenu del\u0161\u00edch fixac\u00ed hypot\u00e9k. <\/p>\n
\u201eV\u00fdvoj swapov\u00fdch sazeb je od za\u010d\u00e1tku konfliktu na Bl\u00edzk\u00e9m v\u00fdchod\u011b extr\u00e9mn\u011b rozkol\u00edsan\u00fd, p\u0159i\u010dem\u017e hlavn\u00ed roli sehr\u00e1vaj\u00ed obavy z\u00a0n\u00e1vratu infla\u010dn\u00edch tlak\u016f. T\u0159\u00edlet\u00e9 swapy zdra\u017eily oproti konci \u00fanora o\u00a0zhruba 0,8\u00a0procentn\u00edho bodu, co\u017e se postupn\u011b propisuje i\u00a0do cen hypot\u00e9k pro tuzemsk\u00e9 dom\u00e1cnosti,\u201c vysv\u011btluje.<\/p>\n
Prostor pro v\u00fdrazn\u011bj\u0161\u00ed pokles hypote\u010dn\u00edch sazeb letos p\u0159\u00edli\u0161 nep\u0159edpokl\u00e1d\u00e1, naopak o\u010dek\u00e1v\u00e1, \u017ee v\u00a0nejbli\u017e\u0161\u00edch m\u011bs\u00edc\u00edch bude pr\u016fm\u011brn\u00e1 hypote\u010dn\u00ed sazba u\u00a0nov\u00fdch hypot\u00e9k d\u00e1le r\u016fst k\u00a0hranici 5\u00a0%. <\/p>\n
\u201eOd roku 2022\u00a0se nach\u00e1z\u00edme v\u00a0prost\u0159ed\u00ed zv\u00fd\u0161en\u00fdch \u00farokov\u00fdch sazeb\u00a0\u2013 nejde p\u0159itom o\u00a0jednor\u00e1zov\u00fd v\u00fdkyv, ale sp\u00ed\u0161e nov\u00fd norm\u00e1l. Hypote\u010dn\u00ed sazby pod t\u0159emi nebo dokonce dv\u011bma procenty byly sice z\u00a0pohledu dom\u00e1cnost\u00ed p\u0159\u00edjemn\u00e9, ale historicky abnorm\u00e1ln\u00ed,\u201c popisuje.\u00a0<\/p>\n
Dod\u00e1v\u00e1, \u017ee nov\u00fdm dlouhodob\u00fdm norm\u00e1lem budou hypote\u010dn\u00ed sazby okolo \u00farovn\u011b 4\u00a0%. V\u00a0p\u0159\u00edpad\u011b vyost\u0159en\u00ed geopolitick\u00e9 situace a\u00a0rostouc\u00edch obav z\u00a0inflace, jako pozorujeme nyn\u00ed, to ale m\u016f\u017ee b\u00fdt sp\u00ed\u0161e hranice p\u011bti a\u00a0v\u00edce procent.<\/p>\n
\u201eV\u00fdrazn\u00fd pokles v\u00a0nejbli\u017e\u0161\u00edch m\u011bs\u00edc\u00edch nep\u0159edpokl\u00e1d\u00e1me. Pr\u016fm\u011brn\u00e9 nab\u00eddkov\u00e9 sazby by se podle n\u00e1s mohly pohybovat p\u0159ibli\u017en\u011b mezi 5,1\u00a0a\u00a05,4\u00a0procenta,\u201c odhaduje Majer.<\/p>\n
Aktu\u00e1ln\u00ed hypote\u010dn\u00ed sazby<\/p>\n
A \u010dervencov\u00e1 data trend potvrzuj\u00ed. Ke zv\u00fd\u0161en\u00ed sazeb p\u0159istoupila \u010d\u00e1st bank, zat\u00edmco Air Bank, Fio banka, Moneta Money Bank a\u00a0UniCredit Bank ponechaly sv\u00e9 nab\u00eddky mezim\u011bs\u00ed\u010dn\u011b beze zm\u011bny. Jedinou v\u00fdjimkou byla Partners banka, kter\u00e1 svou sazbu oproti p\u0159edchoz\u00edmu m\u011bs\u00edci sn\u00ed\u017eila.<\/p>\n
BankaKv\u011bten \u010cerven \u010cervenec Air Bank4,69 %4,69 %4,69 %\u010cesk\u00e1 spo\u0159itelna4,79 %4,94 %4,94 %\u010cSOB 5,14 %5,24 %5,39 %Fio banka4,38 %4,58 %4,58 %Komer\u010dn\u00ed banka4,99 %5,09 %5,14 %mBank4,99 %4,99 %5,29 %MONETA Money Bank4,39 %4,59 %4,59 %Partners Banka5,09 %5,69 %4,99 %Raiffeisenbank5,04 %4,99 %5,04 %UniCredit Bank4,89 %5,09 %5,09 %Zdroj: aktu\u00e1ln\u00ed cen\u00edky bank dne 15. 7. 2026, \u017eeb\u0159\u00ed\u010dek Finpar\u00e1da.cz<\/p>\n
Podle \u010cBA Hypomonitoru dos\u00e1hla v\u00a0kv\u011btnu 2026\u00a0pr\u016fm\u011brn\u00e1 v\u00fd\u0161e nov\u011b poskytnut\u00e9 hypot\u00e9ky 4,84\u00a0milionu korun. Na tomto modelov\u00e9m p\u0159\u00edkladu (LTV 80\u00a0%, t\u0159\u00edlet\u00e1 fixace, splatnost 30\u00a0let) p\u0159i aktu\u00e1ln\u00edch \u010dervencov\u00fdch sazb\u00e1ch bank vych\u00e1z\u00ed nejv\u00fdhodn\u011bji nab\u00eddka Fio banky (4,58\u00a0%, spl\u00e1tka 24\u00a0754\u00a0K\u010d). Na opa\u010dn\u00e9m konci je pak \u010cSOB (5,39\u00a0%, spl\u00e1tka 27\u00a0148\u00a0K\u010d)\u00a0\u2013 rozd\u00edl mezi nimi p\u0159edstavuje p\u0159es 2\u00a0394\u00a0K\u010d m\u011bs\u00ed\u010dn\u011b.<\/p>\n
Na kolik let fixovat<\/p>\n
Aktu\u00e1ln\u00ed situace podle odborn\u00edk\u016f m\u011bn\u00ed pohled na d\u00e9lku fixace. Zat\u00edmco je\u0161t\u011b p\u0159ed n\u011bkolika m\u011bs\u00edci \u0159ada klient\u016f p\u0159edpokl\u00e1dala, \u017ee sazby budou d\u00e1l klesat, dnes u\u017e si lid\u00e9 tak jisti nejsou. Podle Rusinka jsou dnes nejv\u00edce popt\u00e1van\u00e9 fixace od jednoho do p\u011bti let, kter\u00e9 tvo\u0159\u00ed 67\u00a0% trhu.<\/p>\n
On s\u00e1m aktu\u00e1ln\u011b vn\u00edm\u00e1 jako nejv\u00fdhodn\u011bj\u0161\u00ed fixaci na t\u0159i roky, kter\u00e1 podle n\u011bj na jednu stranu chr\u00e1n\u00ed dom\u00e1cnost p\u0159ed rizikem, \u017ee tr\u017en\u00ed sazby v\u00a0nejbli\u017e\u0161\u00edch m\u011bs\u00edc\u00edch je\u0161t\u011b vzrostou. Na druh\u00e9 stran\u011b klientovi nezav\u0159e dve\u0159e ke zm\u011bn\u011b na p\u0159\u00edli\u0161 dlouhou dobu, pokud by se tr\u017en\u00ed prost\u0159ed\u00ed v\u00a0dal\u0161\u00edch letech p\u0159ece jen zlep\u0161ilo.<\/p>\n
To potvrzuje tak\u00e9 Majer, podle kter\u00e9ho jsou p\u011btilet\u00e9 fixace v\u00a0pr\u016fm\u011bru p\u0159ibli\u017en\u011b o\u00a00,25\u00a0procentn\u00edho bodu dra\u017e\u0161\u00ed. Pokud je LTV (procentn\u00ed pom\u011br mezi v\u00fd\u0161\u00ed \u00fav\u011bru a\u00a0hodnotou zastaven\u00e9 nemovitosti) vy\u0161\u0161\u00ed ne\u017e 80\u00a0%, sazba roste v\u00a0pr\u016fm\u011bru zhruba o\u00a00,3\u00a0procentn\u00edho bodu.<\/p>\n
\u010cekat s\u00a0hypot\u00e9kou?<\/p>\n
Vyplat\u00ed se tedy s\u00a0koup\u00ed nemovitosti \u010dekat? Odborn\u00edci se shoduj\u00ed, \u017ee pokud \u010dlov\u011bk najde vhodnou nemovitost, m\u00e1 stabiln\u00ed p\u0159\u00edjem, dostatek vlastn\u00edch zdroj\u016f a\u00a0finan\u010dn\u00ed rezervu, na levn\u011bj\u0161\u00ed sazbu se \u010dekat nevyplat\u00ed.<\/p>\n
\u201ePokud n\u011bkdo najde dobrou nab\u00eddku na po\u0159\u00edzen\u00ed vlastn\u00edho bydlen\u00ed a\u00a0hypot\u00e9ka je pro jeho dom\u00e1c\u00ed rozpo\u010det dlouhodob\u011b udr\u017eiteln\u00e1, p\u0159\u00edli\u0161n\u00e9 vy\u010dk\u00e1v\u00e1n\u00ed nemus\u00ed b\u00fdt dobr\u00e1 strategie. V\u00a0posledn\u00edch letech se \u010dek\u00e1n\u00ed na levn\u011bj\u0161\u00ed hypot\u00e9ky \u010dasto nevyplatilo, proto\u017ee \u00fasporu na \u00faroku p\u0159ev\u00e1\u017eil dal\u0161\u00ed r\u016fst cen nemovitost\u00ed,\u201c \u0159\u00edk\u00e1 Rusinko.<\/p>\n
Na \u00farokov\u00e9 sazby je tak\u00e9 mo\u017en\u00e9 v\u00a0n\u011bkter\u00fdch p\u0159\u00edpadech z\u00edskat individu\u00e1ln\u00ed levn\u011bj\u0161\u00ed nab\u00eddku. Slevy se podle Majera pohybuj\u00ed p\u0159ibli\u017en\u011b od 0,1\u00a0do 0,7\u00a0procentn\u00edho bodu.<\/p>\n
Majer ale upozor\u0148uje, \u017ee pro jejich z\u00edsk\u00e1n\u00ed se banky d\u00edvaj\u00ed zejm\u00e9na na poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet, aktivn\u00ed vyu\u017e\u00edv\u00e1n\u00ed b\u011b\u017en\u00e9ho \u00fa\u010dtu, energetick\u00fd \u0161t\u00edtek nemovitosti, p\u0159\u00edjem a\u00a0bonitu klienta, v\u00fd\u0161i hypot\u00e9ky a\u00a0z\u00e1le\u017e\u00ed tak\u00e9 na individu\u00e1ln\u00edm posouzen\u00ed banky.<\/p>\n \u201eProto doporu\u010dujeme porovnat alespo\u0148 t\u0159i a\u017e p\u011bt bank se stejn\u00fdmi parametry \u00fav\u011bru. Vedle sazby doporu\u010dujeme porovnat tak\u00e9 cenu poji\u0161t\u011bn\u00ed, RPSN, poplatky a\u00a0dal\u0161\u00ed podm\u00ednky. Nejni\u017e\u0161\u00ed sazba nemus\u00ed automaticky znamenat nejlevn\u011bj\u0161\u00ed hypot\u00e9ku,\u201c varuje.<\/p>\n Vl\u00e1da pl\u00e1nuje hypot\u00e9ky pro mlad\u00e9<\/p>\n Pr\u00e1v\u011b hypot\u00e9ky byly jedn\u00edm z\u00a0p\u0159edvolebn\u00edch t\u00e9mat ANO, strany sou\u010dasn\u00e9 koali\u010dn\u00ed vl\u00e1dy. Ta avizovala levn\u011bj\u0161\u00ed hypot\u00e9ky, mo\u017enosti vl\u00e1dy ovlivnit \u00farokov\u00e9 sazby jsou ov\u0161em velmi omezen\u00e9, proto\u017ee v\u00fd\u0161e \u00farokov\u00fdch sazeb hypot\u00e9k je prim\u00e1rn\u011b z\u00e1visl\u00e1 na m\u011bnov\u00e9 politice \u010cesk\u00e9 n\u00e1rodn\u00ed banky.<\/p>\n Ve volebn\u00edm programu pak ANO konkretizovalo, \u017ee t\u00edm jsou my\u0161leny levn\u011bj\u0161\u00ed hypot\u00e9ky pro mlad\u00e9 a\u00a0kl\u00ed\u010dov\u00e9 profese. Konkr\u00e9tn\u00ed pl\u00e1n a\u00a0specifick\u00e9 n\u00e1stroje t\u00e9to podpory vl\u00e1da zat\u00edm nep\u0159edstavila, podle informac\u00ed Hospod\u00e1\u0159sk\u00fdch novin<\/a> by jednou z\u00a0mo\u017enost\u00ed, kter\u00e9 vl\u00e1da zva\u017euje, mohl b\u00fdt v\u011bt\u0161\u00ed da\u0148ov\u00fd odpo\u010det. <\/p>\n \u201eVzhledem k\u00a0prob\u00edhaj\u00edc\u00edm anal\u00fdz\u00e1m a\u00a0p\u0159\u00edprav\u00e1m je v\u00a0tuto chv\u00edli p\u0159ed\u010dasn\u00e9 komentovat konkr\u00e9tn\u00ed parametry. Jakmile bude n\u00e1vrh kompletn\u00ed, ve\u0161ker\u00e9 podrobnosti v\u010das zve\u0159ejn\u00edme,\u201c uvedl redakci mluv\u010d\u00ed ministerstva financ\u00ed Stefan Fous. <\/p>\n","protected":false},"excerpt":{"rendered":"Pr\u016fm\u011brn\u00e1 nab\u00eddkov\u00e1 cena bytu se aktu\u00e1ln\u011b pohybuje kolem 5,6\u00a0milionu korun, meziro\u010dn\u011b o\u00a05,1\u00a0% v\u00fd\u0161e, a\u00a0nep\u0159etr\u017eit\u011b roste u\u017e \u010dty\u0159i a\u00a0p\u016fl…\n","protected":false},"author":2,"featured_media":152607,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[12],"tags":[67,1311,68,9317,1984,565],"class_list":["post-152606","post","type-post","status-publish","format-standard","has-post-thumbnail","category-byznys","tag-business","tag-bydleni","tag-byznys","tag-hypotecni-uver","tag-hypoteky","tag-nemovitosti"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116950775161657770","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/152606","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=152606"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/152606\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/152607"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=152606"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=152606"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=152606"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![](\"https:\/\/www.europesays.com\/cz\/wp-content\/uploads\/2026\/07\/hypoteky-inflace-bydleni-nemovitosti.jpeg\")
<\/a><\/p>\n