{"id":207561,"date":"2026-09-08T22:39:14","date_gmt":"2026-09-08T22:39:14","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/207561\/"},"modified":"2026-09-08T22:39:14","modified_gmt":"2026-09-08T22:39:14","slug":"banky-znovu-zdrazily-hypoteky-novinky","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/207561\/","title":{"rendered":"Banky znovu zdra\u017eily hypot\u00e9ky &#8211; Novinky"},"content":{"rendered":"<p class=\"c_bB\">Podobn\u011b jako v\u00a0\u010dervenci, tak\u00e9 v\u00a0srpnu n\u011bkter\u00e9 finan\u010dn\u00ed domy zv\u00fd\u0161ily sazby o\u00a00,2\u00a0a\u017e 0,4\u00a0procentn\u00edho bodu. \u201eProstor pro plo\u0161n\u00e9 zlev\u0148ov\u00e1n\u00ed je proto v\u00a0sou\u010dasnosti pom\u011brn\u011b omezen\u00fd,\u201c uvedl Ji\u0159\u00ed S\u00fdkora, hypote\u010dn\u00ed analytik spole\u010dnosti Swiss Life Select.<\/p>\n<p class=\"c_bB\">U modelov\u00e9 hypot\u00e9ky ve v\u00fd\u0161i 3,5\u00a0milionu korun se splatnost\u00ed 25\u00a0let \u010dinila m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka p\u0159i pr\u016fm\u011brn\u00e9 z\u00e1\u0159ijov\u00e9 sazb\u011b p\u0159ibli\u017en\u011b 21\u00a0520\u00a0korun. Od b\u0159ezna, kdy banky se zdra\u017eov\u00e1n\u00edm za\u010daly, vzrostla o\u00a01280\u00a0korun m\u011bs\u00ed\u010dn\u011b.<\/p>\n<p class=\"c_bB\">D\u016fvodem zdra\u017eov\u00e1n\u00ed je p\u0159edev\u0161\u00edm r\u016fst \u00farokov\u00fdch swap\u016f, tedy ceny, za kterou si banky p\u016fj\u010duj\u00ed pen\u00edze mezi sebou. Swapy rostou kv\u016fli obav\u00e1m z\u00a0vy\u0161\u0161\u00ed inflace. Ty znovu vyvolala eskalace konfliktu mezi USA a\u00a0\u00cdr\u00e1nem a\u00a0s n\u00ed spojen\u00fd r\u016fst cen ropy.<\/p>\n<p><a data-dot=\"atm-link\" target=\"_self\" href=\"https:\/\/www.novinky.cz\/clanek\/ekonomika-zajem-o-hypoteky-v-cervenci-klesl-stale-byl-ale-silnejsi-nez-loni-40592709\" class=\"c_I\" rel=\"nofollow noopener\"><img fetchpriority=\"high\" height=\"720\" width=\"1280\" src=\"https:\/\/www.europesays.com\/cz\/wp-content\/uploads\/2026\/09\/fixace-hypoteka-urok.jpeg\" loading=\"eager\" decoding=\"sync\" class=\"c_t c_r\"\/><\/a><\/p>\n<p class=\"c_bB\">Pr\u00e1v\u011b konflikt na Bl\u00edzk\u00e9m v\u00fdchod\u011b bude v\u00fdvoj hypote\u010dn\u00edch sazeb ovliv\u0148ovat i\u00a0nad\u00e1le. \u201eV p\u016flro\u010dn\u00edm horizontu o\u010dek\u00e1v\u00e1m sp\u00ed\u0161e stagnaci a\u017e m\u00edrn\u00fd r\u016fst,\u201c konstatoval Tom Kade\u0159\u00e1bek, vedouc\u00ed produktov\u00e9ho odd\u011blen\u00ed Swiss Life Select.<\/p>\n<p class=\"c_bB\">Klienti bank mohou nyn\u00ed podle expert\u016f zkusit s\u00a0bankami vyjedn\u00e1vat o\u00a0slev\u00e1ch. Na podzim se finan\u010dn\u00ed domy tradi\u010dn\u011b pou\u0161t\u011bj\u00ed do boje o\u00a0klienty. <\/p>\n<p class=\"c_bB\">Pokud tato p\u0159etahovan\u00e1 za\u010dne i\u00a0letos, mohou se podle S\u00fdkory objevit na trhu zaj\u00edmav\u00e9 individu\u00e1ln\u00ed podm\u00ednky. Jestli\u017ee ale z\u016fstanou n\u00e1klady bank vysok\u00e9, v\u00fdrazn\u011bj\u0161\u00ed \u00falevy se \u010dekat nedaj\u00ed.<\/p>\n<p><a data-dot=\"atm-link\" target=\"_self\" href=\"https:\/\/www.novinky.cz\/clanek\/ekonomika-prodat-dum-v-britanii-zacina-byt-problem-lide-cekaji-na-levnejsi-hypoteky-40593179\" class=\"c_I\" rel=\"nofollow noopener\"><img height=\"1080\" width=\"1920\" src=\"https:\/\/www.europesays.com\/cz\/wp-content\/uploads\/2026\/09\/velka-britanie-dum-pokoj-hospoda-smithovi.jpeg\" loading=\"eager\" decoding=\"sync\" class=\"c_t c_r\"\/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Podobn\u011b jako v\u00a0\u010dervenci, tak\u00e9 v\u00a0srpnu n\u011bkter\u00e9 finan\u010dn\u00ed domy zv\u00fd\u0161ily sazby o\u00a00,2\u00a0a\u017e 0,4\u00a0procentn\u00edho bodu. \u201eProstor pro plo\u0161n\u00e9 zlev\u0148ov\u00e1n\u00ed je&hellip;\n","protected":false},"author":2,"featured_media":207562,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[12],"tags":[1985,67,1311,68,9318,1984,780],"class_list":["post-207561","post","type-post","status-publish","format-standard","has-post-thumbnail","category-byznys","tag-banky","tag-business","tag-bydleni","tag-byznys","tag-hypoindex","tag-hypoteky","tag-reality"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/117237826668320546","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/207561","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=207561"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/207561\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/207562"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=207561"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=207561"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=207561"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}