{"id":207055,"date":"2026-09-08T13:54:13","date_gmt":"2026-09-08T13:54:13","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/207055\/"},"modified":"2026-09-08T13:54:13","modified_gmt":"2026-09-08T13:54:13","slug":"hypoteka-i-za-sedm-procent-nejvetsi-banka-v-zemi-razantne-zdrazuje-pujcky-na-bydleni","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/207055\/","title":{"rendered":"Hypot\u00e9ka i za sedm procent. Nejv\u011bt\u0161\u00ed banka v zemi razantn\u011b zdra\u017euje p\u016fj\u010dky na bydlen\u00ed"},"content":{"rendered":"

Sjedn\u00e1v\u00e1n\u00ed hypot\u00e9k<\/a> v posledn\u00edch m\u011bs\u00edc\u00edch p\u0159ipom\u00edn\u00e1 divok\u00fd z\u00e1vod s \u010dasem. D\u016fvodem je dramatick\u00fd n\u00e1r\u016fst sazeb, kter\u00fd v d\u016fsledku neutuchaj\u00edc\u00edch geopolitick\u00fdch tenz\u00ed tvrd\u011b dopad\u00e1 mimo jin\u00e9 i na tuzemsk\u00fd hypote\u010dn\u00ed trh. Zat\u00edm posledn\u00edm krokem v tomto sm\u011bru je aktu\u00e1ln\u00ed zdra\u017een\u00ed p\u016fj\u010dek na bydlen\u00ed u \u010cesk\u00e9 spo\u0159itelny, tedy na po\u010det klient\u016f nejv\u011bt\u0161\u00edho tuzemsk\u00e9ho bankovn\u00edho domu. Bez dodate\u010dn\u00fdch slev se z\u00e1jemci nov\u011b dostanou a\u017e nad sedmiprocentn\u00ed \u00farok ro\u010dn\u011b.<\/p>\n

\u010cesk\u00e1 spo\u0159itelna p\u0159epsala sazby pro v\u0161echny fixace<\/p>\n

\u201eZa r\u016fstem hypote\u010dn\u00edch sazeb stoj\u00ed p\u0159edev\u0161\u00edm geopolitick\u00e1 situace a s n\u00ed spojen\u00fd r\u016fst ceny pen\u011bz na finan\u010dn\u00edch trz\u00edch,\u201c uv\u00e1d\u00ed ve stru\u010dn\u00e9m koment\u00e1\u0159i k nov\u00e9mu hypote\u010dn\u00edmu<\/a> sazebn\u00edku mluv\u010d\u00ed \u010cesk\u00e9 spo\u0159itelny Luk\u00e1\u0161 Krop\u00edk.<\/p>\n

Spo\u0159itelna p\u0159epsala sazby pro v\u0161echny fixace, p\u0159i\u010dem\u017e v nej\u010dast\u011bji popt\u00e1van\u00e9m t\u0159\u00edlet\u00e9m obdob\u00ed z\u00e1jemce zaplat\u00ed ro\u010dn\u00ed sazbu 5,39 procenta, tedy o t\u0159i desetiny procentn\u00edho bodu v\u00edce ne\u017e doposud. Kup\u0159\u00edkladu v p\u0159\u00edpad\u011b dvacetilet\u00e9 fixace<\/a> \u00farok vy\u0161plh\u00e1 na 6,39 procenta, sazba ale plat\u00ed a\u017e po z\u00edsk\u00e1n\u00ed slevy za spl\u00e1cen\u00ed z \u00fa\u010dtu u \u010cesk\u00e9 spo\u0159itelny, slevu za slu\u017ebu Hypot\u00e9ka pro budoucnost a slevu za poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet. Dohromady tyto slevy p\u0159edstavuj\u00ed 0,7 procentn\u00edho bodu, bez nich by tedy sazba p\u016fj\u010dky na dv\u011b dek\u00e1dy vy\u0161plhala na 7,09 procenta.<\/p>\n

Spo\u0159itelna jde tak ruku v ruce s ostatn\u00edmi bankami s trendem, kter\u00fd je na dom\u00e1c\u00edm trhu zn\u00e1t u\u017e od b\u0159ezna, kdy prvn\u00edm americk\u00fdm v\u00fdst\u0159elem na Ir\u00e1n vypukla Homuzsk\u00e1 krize. Ta podstatn\u011b a skokov\u011b zdra\u017eila zdroje, kter\u00e9 tuzemsk\u00e9 banky pak d\u00e1le p\u016fj\u010duj\u00ed lidem na bydlen\u00ed. Hypote\u010dn\u00ed byznys \u010desk\u00fdch bank se tak dostal v posledn\u00edch m\u011bs\u00edc\u00edch do probl\u00e9mov\u00e9 situace, kdy\u017e vlivem zdra\u017eov\u00e1n\u00ed zdroj\u016f a relativn\u011b pomaleji rostouc\u00edch hypote\u010dn\u00edch sazeb p\u0159estal vyd\u011bl\u00e1vat. R\u016fst n\u00e1klad\u016f p\u0159itom banky nest\u00edhaly a v n\u011bkter\u00fdch p\u0159\u00edpadech si ani pln\u011b netroufaly kompenzovat zvy\u0161ov\u00e1n\u00edm hypote\u010dn\u00edch sazeb. Postupn\u011b se ale situace m\u011bn\u00ed a banky zdra\u017euj\u00ed. Posledn\u00ed Fincentrum Hypoindex za srpen tak nap\u0159\u00edklad uk\u00e1zal pr\u016fm\u011brnou nab\u00eddkovou sazbu p\u016fj\u010dek na bydlen\u00ed 5,42 procenta, tedy z\u00e1sadn\u011b v\u00edce ne\u017e 4,89 procenta je\u0161t\u011b na po\u010d\u00e1tku jara.<\/p>\n

\u201eBank\u00e1m u\u017e zdroje pro t\u0159\u00edlet\u00e9 i p\u011btilet\u00e9 hypot\u00e9ky zdra\u017eily natolik, \u017ee aktu\u00e1ln\u00ed pr\u016fm\u011brn\u00e9 realizovan\u00e9 \u00farokov\u00e9 sazby na hypote\u010dn\u00edm trhu jsou samoz\u0159ejm\u011b podhodnocen\u00e9,\u201c uv\u00e1d\u00ed ekonom Creditas banky Petr Dufek. V pozad\u00ed zdra\u017eov\u00e1n\u00ed bankovn\u00edch zdroj\u016f, co\u017e mimo jin\u00e9 plat\u00ed pro v\u0161echny d\u00e9lky fixac\u00ed, stoj\u00ed napjat\u00e1 geopolitika propisuj\u00edc\u00ed se do s\u00e1zek trhu na zrychlen\u00ed inflace, a pota\u017emo zvy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb centr\u00e1ln\u00edch bank.<\/p>\n

Zdra\u017eov\u00e1n\u00ed hypot\u00e9k bude pokra\u010dovat<\/p>\n

Jak u\u017e e15 uv\u00e1d\u011bla<\/a>, experti o\u010dek\u00e1vaj\u00ed v p\u0159\u00ed\u0161t\u00edch m\u011bs\u00edc\u00edch dal\u0161\u00ed zdra\u017eov\u00e1n\u00ed hypot\u00e9k nap\u0159\u00ed\u010d trhem. \u201eDo konce leto\u0161n\u00edho roku o\u010dek\u00e1v\u00e1m cenu hypot\u00e9k, konkr\u00e9tn\u011b nej\u010dast\u011bj\u0161\u00ed t\u0159\u00edletou fixaci s alespo\u0148 dvacetiprocentn\u00edm pod\u00edlem vlastn\u00edch \u00faspor v rozmez\u00ed 5,5 a\u017e 6 procent,\u201c hypote\u010dn\u00ed expert firmy Broker Trust Libor Vojta Ostatek. Ani okam\u017eit\u00e9 ukon\u010den\u00ed Hormuzsk\u00e9ho konfliktu by p\u0159itom podle expert\u016f nevedlo ke zlevn\u011bn\u00ed hypot\u00e9k.<\/p>\n

\u201ePokud by do\u0161lo k brzk\u00e9 dohod\u011b mezi USA a \u00cdr\u00e1nem, mohly by se ve sv\u00e9m d\u016fsledku sazby hypot\u00e9k udr\u017eet kolem sou\u010dasn\u00fdch hodnot. Tento sc\u00e9n\u00e1\u0159 je v\u0161ak m\u00e9n\u011b pravd\u011bpodobn\u00fd,\u201c uv\u00e1d\u00ed analytik Partners Banky Marian Holub. I on o\u010dek\u00e1v\u00e1 v nejbli\u017e\u0161\u00edm obdob\u00ed dal\u0161\u00ed zdra\u017eov\u00e1n\u00ed hypot\u00e9k. V del\u0161\u00edm v\u00fdhledu experti rozli\u0161uj\u00ed dva sc\u00e9n\u00e1\u0159e, a to prim\u00e1rn\u011b v z\u00e1vislosti na dal\u0161\u00edm v\u00fdvoji konfliktu na Bl\u00edzk\u00e9m v\u00fdchod\u011b. \u201eV p\u0159\u00edpad\u011b eskalace vid\u00edm sazby z hypot\u00e9k nad \u0161esti procenty. V p\u0159\u00ed\u0161t\u00edm roce m\u00e1m velk\u00fd otazn\u00edk, v lep\u0161\u00edm p\u0159\u00edpad\u011b o\u010dek\u00e1v\u00e1m kr\u00e1tkodob\u00e9 korekce \u010di stagnaci sazeb,\u201c dod\u00e1v\u00e1 Ostatek s t\u00edm, \u017ee pokles sazeb nepova\u017euje ani v tomto horizontu za pravd\u011bpodobn\u00fd.<\/p>\n

\u201eTrhy ned\u016fv\u011b\u0159uj\u00ed, \u017ee konflikt v Hormuzu m\u00e1 brzk\u00e9 \u0159e\u0161en\u00ed, to bude tla\u010dit na inflaci. Roli m\u016f\u017ee rovn\u011b\u017e m\u00edt i fisk\u00e1ln\u00ed politika vl\u00e1dy, kdy p\u0159edstaven\u00fd schodek rozpo\u010dtu m\u00ed\u0159\u00ed do rekordn\u00edch v\u00fd\u0161in,\u201c m\u00edn\u00ed Ostatek. Vl\u00e1da tak jde podle expert\u016f proti sv\u00fdm vlastn\u00edm slib\u016fm. \u201ePokud st\u00e1t p\u0159ich\u00e1z\u00ed s druh\u00fdm nejvy\u0161\u0161\u00edm pl\u00e1novan\u00fdm schodkem v historii \u010cesk\u00e9 republiky, jde do zna\u010dn\u00e9 m\u00edry proti slibu levn\u011bj\u0161\u00edch hypot\u00e9k. Vysok\u00fd deficit znamen\u00e1 v\u011bt\u0161\u00ed pot\u0159ebu financov\u00e1n\u00ed, v\u00edce vydan\u00fdch st\u00e1tn\u00edch dluhopis\u016f a z\u00e1rove\u0148 p\u0159edstavuje dal\u0161\u00ed proinfla\u010dn\u00ed riziko. To v\u0161echno vytv\u00e1\u0159\u00ed tlak na vy\u0161\u0161\u00ed tr\u017en\u00ed \u00farokov\u00e9 sazby,\u201c zd\u016fraz\u0148uje vedouc\u00ed produktov\u00e9ho odd\u011blen\u00ed Swiss Life Select Tom Kade\u0159\u00e1bek.<\/p>\n

Sazby se v srpnu dostaly do l\u00e9ta zapomenut\u00fdch v\u00fd\u0161in a byly p\u0159esn\u011b na \u00farovni srpna roku 2024. Hypote\u010dn\u00ed trh p\u0159esto letos o\u017eivil. Od za\u010d\u00e1tku roku do konce \u010dervence dos\u00e1hl objem nov\u00fdch hypot\u00e9k podle dat \u010cesk\u00e9 n\u00e1rodn\u00ed banky 247 miliard korun, tedy o 67 miliard v\u00edce ne\u017e ve stejn\u00e9m obdob\u00ed loni.<\/p>\n

\"Hypot\u00e9ky<\/a>Hypot\u00e9ky p\u0159estaly bank\u00e1m vyd\u011bl\u00e1vat. Klienti to mohou brzy poc\u00edtit, sazby protnou psychologickou hranici<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Sjedn\u00e1v\u00e1n\u00ed hypot\u00e9k v posledn\u00edch m\u011bs\u00edc\u00edch p\u0159ipom\u00edn\u00e1 divok\u00fd z\u00e1vod s \u010dasem. D\u016fvodem je dramatick\u00fd n\u00e1r\u016fst sazeb, kter\u00fd v d\u016fsledku…\n","protected":false},"author":2,"featured_media":207056,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[12],"tags":[11611,67,1311,68,994,1313,686,808,1387],"class_list":["post-207055","post","type-post","status-publish","format-standard","has-post-thumbnail","category-byznys","tag-banka","tag-business","tag-bydleni","tag-byznys","tag-ceska-sporitelna","tag-hypoteka","tag-inflace","tag-iran","tag-pujcka"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/117235762261040913","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/207055","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=207055"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/207055\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/207056"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=207055"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=207055"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=207055"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}