{"id":179962,"date":"2026-08-14T23:12:19","date_gmt":"2026-08-14T23:12:19","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/179962\/"},"modified":"2026-08-14T23:12:19","modified_gmt":"2026-08-14T23:12:19","slug":"banky-v-cervenci-poskytly-hypoteky-za-404-miliardy-vic-nez-loni","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/179962\/","title":{"rendered":"Banky v\u00a0\u010dervenci poskytly hypot\u00e9ky za 40,4\u00a0miliardy, v\u00edc ne\u017e loni"},"content":{"rendered":"<p class=\"e_bX\">Banky a\u00a0stavebn\u00ed spo\u0159itelny poskytly v\u00a0\u010dervenci hypote\u010dn\u00ed \u00fav\u011bry za 40,4\u00a0miliardy korun. Ve srovn\u00e1n\u00ed s\u00a0lo\u0148sk\u00fdm \u010dervencem to znamen\u00e1 n\u00e1r\u016fst o\u00a0sedm procent, proti \u010dervnu se objem hypot\u00e9k sn\u00ed\u017eil o\u00a017\u00a0procent. Nov\u00e9 \u00fav\u011bry bez refinancov\u00e1n\u00ed mezim\u011bs\u00ed\u010dn\u011b klesly o\u00a016\u00a0procent na 30,8\u00a0miliardy korun. \u00darokov\u00e9 sazby v\u00a0pr\u016fm\u011bru stouply na 4,9\u00a0procenta z\u00a0\u010dervnov\u00fdch 4,79\u00a0procenta. Vypl\u00fdv\u00e1 to ze statistik \u010cesk\u00e9 bankovn\u00ed asociace (\u010cBA) Hypomonitor. Data dod\u00e1vaj\u00ed v\u0161echny banky a\u00a0spo\u0159itelny poskytuj\u00edc\u00ed hypot\u00e9ky na trhu.<\/p>\n<p class=\"e_bX\">\u201eP\u0159\u00edsn\u011bj\u0161\u00ed pravidla centr\u00e1ln\u00ed banky, r\u016fst hypote\u010dn\u00edch sazeb v\u00a0n\u00e1vaznosti na vy\u0161\u0161\u00ed tr\u017en\u00ed \u00faroky a\u00a0pokra\u010duj\u00edc\u00ed zdra\u017eov\u00e1n\u00ed nemovitost\u00ed udr\u017eely hypote\u010dn\u00ed trh i\u00a0v \u010dervenci ve zklidn\u011bn\u011bj\u0161\u00edm re\u017eimu. Pokles pr\u016fm\u011brn\u00e9 hypot\u00e9ky z\u00e1rove\u0148 nazna\u010duje, \u017ee se na trhu pravd\u011bpodobn\u011b sn\u00ed\u017eil pod\u00edl investi\u010dn\u00edch hypot\u00e9k. Celkov\u011b v\u0161ak hypote\u010dn\u00ed aktivita z\u016fst\u00e1v\u00e1 na siln\u00fdch \u00farovn\u00edch, kter\u00e9 jsme pozorovali ve druh\u00e9 polovin\u011b lo\u0148sk\u00e9ho roku,\u201c uvedl hlavn\u00ed ekonom \u010cBA Jarom\u00edr \u0160indel.<\/p>\n<p class=\"e_bX\">Celkov\u00fd objem v\u00a0leto\u0161n\u00edm roce zat\u00edm dos\u00e1hl 334\u00a0miliard korun, co\u017e p\u0159edstavuje pades\u00e1tiprocentn\u00ed n\u00e1r\u016fst ve srovn\u00e1n\u00ed s\u00a0lednem a\u017e \u010dervencem p\u0159edch\u00e1zej\u00edc\u00edho roku. Po\u010det nov\u00fdch hypot\u00e9k v\u00a0\u010dervenci mezim\u011bs\u00ed\u010dn\u011b klesl o\u00a014\u00a0procent na 6706, meziro\u010dn\u011b byl ni\u017e\u0161\u00ed o\u00a0\u010dty\u0159i procenta. \u201ePo obdob\u00ed zv\u00fd\u0161en\u00e9ho z\u00e1jmu o\u00a0hypot\u00e9ky v\u00a0souvislosti s\u00a0n\u00e1stupem \u00fa\u010dinnosti nov\u00e9ho doporu\u010den\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky ohledn\u011b poskytov\u00e1n\u00ed investi\u010dn\u00edch hypot\u00e9k trh nyn\u00ed reaguje na rychle se m\u011bn\u00edc\u00ed cenu zdroj\u016f ovlivn\u011bnou p\u0159edev\u0161\u00edm geopolitickou situac\u00ed,\u201c doplnil hypote\u010dn\u00ed expert Komer\u010dn\u00ed banky Jakub V\u00e1vra.<\/p>\n<p class=\"e_bX\">Objem refinancovan\u00fdch a\u00a0nav\u00fd\u0161en\u00fdch \u00fav\u011br\u016f, a\u0165 u\u017e intern\u011b, nebo z\u00a0jin\u00e9 instituce, v\u00a0\u010dervenci klesl na 9,6\u00a0miliardy korun. St\u00e1le to v\u0161ak bylo o\u00a036\u00a0procent v\u00edce ne\u017e lo\u0148sk\u00fd pr\u016fm\u011brn\u00fd m\u011bs\u00ed\u010dn\u00ed objem refinancovan\u00fdch \u00fav\u011br\u016f. Pod\u00edl refinancovan\u00fdch \u00fav\u011br\u016f na celkov\u00e9m objemu poskytnut\u00fdch hypot\u00e9k klesl na 23,8\u00a0procenta z\u00a0\u010dervnov\u00fdch 25,4\u00a0procenta. Nad\u00e1le v\u0161ak z\u016fst\u00e1v\u00e1 nad lo\u0148sk\u00fdm pr\u016fm\u011brem 21\u00a0procent.<\/p>\n<p class=\"e_bX\">\u010cervencov\u00e1 skute\u010dn\u00e1 \u00farokov\u00e1 sazba u\u00a0nov\u00fdch hypot\u00e9k byla o\u00a00,37\u00a0procentn\u00edho bodu v\u00fd\u0161e ne\u017e sazba 4,53\u00a0procenta p\u0159ed rokem, co\u017e zvy\u0161uje ilustrativn\u00ed pr\u016fm\u011brnou m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku nov\u00e9 hypot\u00e9ky o\u00a0tis\u00edc korun, tedy p\u0159ibli\u017en\u011b o\u00a0procento \u010dist\u00e9ho p\u0159\u00edjmu \u017eadatele. \u010cervencov\u00e1 \u00farokov\u00e1 hypote\u010dn\u00ed sazba se se 4,9\u00a0procenta nach\u00e1zela p\u0159ibli\u017en\u011b 0,6\u00a0procentn\u00edho bodu nad pr\u016fm\u011brn\u00fdmi tr\u017en\u00edmi \u00farokov\u00fdmi swapov\u00fdmi sazbami. Mezi dom\u00e1c\u00ed faktory, kter\u00e9 ovlivnily v\u00fdvoj \u00farokov\u00fdch swap\u016f, pat\u0159ila p\u0159edev\u0161\u00edm st\u00e1le zv\u00fd\u0161en\u00e1 j\u00e1drov\u00e1 inflace. Kombinace vy\u0161\u0161\u00ed \u00farokov\u00e9 sazby a\u00a0vy\u0161\u0161\u00ed pr\u016fm\u011brn\u00e9 hypot\u00e9ky v\u00a0\u010dervenci 2026\u00a0zv\u00fd\u0161ila proti pr\u016fm\u011brn\u00fdm hodnot\u00e1m roku 2025\u00a0pr\u016fm\u011brnou m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku nov\u011b poskytnut\u00e9 hypot\u00e9ky o\u00a02900\u00a0korun.<\/p>\n<p><a data-dot=\"mol-article-card-media\" aria-hidden=\"true\" tabindex=\"-1\" href=\"https:\/\/www.seznamzpravy.cz\/clanek\/ekonomika-byznys-reality-hypoteky-zdrazuji-paty-mesic-v-rade-splatku-muzete-stale-vice-ovlivnit-sami-312640\" class=\"e_n f_l8\" rel=\"nofollow noopener\" target=\"_blank\"><img fetchpriority=\"high\" height=\"1080\"   width=\"1920\" src=\"https:\/\/www.europesays.com\/cz\/wp-content\/uploads\/2026\/08\/1786749138_758_hypoindex.jpeg\" loading=\"eager\" decoding=\"sync\" class=\"e_aa e_Z\"\/><\/a><a data-dot=\"mol-article-card-media\" aria-hidden=\"true\" tabindex=\"-1\" href=\"https:\/\/www.seznamzpravy.cz\/clanek\/ekonomika-finance-cnb-pripravuje-banky-na-horsi-casy-chce-po-nich-vetsi-polstar-309051\" class=\"e_n f_l8\" rel=\"nofollow noopener\" target=\"_blank\"><img height=\"1096\"   width=\"1949\" src=\"https:\/\/www.europesays.com\/cz\/wp-content\/uploads\/2026\/08\/OnzJE.jpeg\" loading=\"eager\" decoding=\"sync\" class=\"e_aa e_Z\"\/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Banky a\u00a0stavebn\u00ed spo\u0159itelny poskytly v\u00a0\u010dervenci hypote\u010dn\u00ed \u00fav\u011bry za 40,4\u00a0miliardy korun. Ve srovn\u00e1n\u00ed s\u00a0lo\u0148sk\u00fdm \u010dervencem to znamen\u00e1 n\u00e1r\u016fst o\u00a0sedm&hellip;\n","protected":false},"author":2,"featured_media":179963,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[12],"tags":[1985,67,68,2165,1984,32665],"class_list":["post-179962","post","type-post","status-publish","format-standard","has-post-thumbnail","category-byznys","tag-banky","tag-business","tag-byznys","tag-ceska-narodni-banka-cnb","tag-hypoteky","tag-stavebni-sporitelna"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/117096398630990396","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/179962","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=179962"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/179962\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/179963"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=179962"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=179962"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=179962"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}