{"id":21970,"date":"2026-03-12T10:43:08","date_gmt":"2026-03-12T10:43:08","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/21970\/"},"modified":"2026-03-12T10:43:08","modified_gmt":"2026-03-12T10:43:08","slug":"valka-zvysi-lidem-splatky-hypotek","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/21970\/","title":{"rendered":"V\u00e1lka zv\u00fd\u0161\u00ed lidem spl\u00e1tky hypot\u00e9k"},"content":{"rendered":"

\u201eO\u010dek\u00e1v\u00e1m, \u017ee do konce b\u0159ezna sazby hypot\u00e9k vzrostou o\u00a00,2\u00a0a\u017e 0,3\u00a0procenta,\u201c uvedl pro Novinky David Eim, m\u00edstop\u0159edseda hypote\u010dn\u00edho zprost\u0159edkovatele Gepard Finance. Pr\u016fm\u011brn\u00e1 v\u00fd\u0161e hypote\u010dn\u00ed sazby je podle posledn\u00edch \u00fadaj\u016f Hypomonitoru \u010cesk\u00e9 bankovn\u00ed asociace 4,48\u00a0procenta.<\/p>\n

Lidem by v\u00a0takov\u00e9m p\u0159\u00edpad\u011b stoupla v\u00a0porovn\u00e1n\u00ed s\u00a0lednem spl\u00e1tka pr\u016fm\u011brn\u00e9ho \u00fav\u011bru ve v\u00fd\u0161i 4,5\u00a0milionu korun na 30\u00a0let zhruba o\u00a0800\u00a0korun m\u011bs\u00ed\u010dn\u011b. Krom\u011b t\u011bch, kdo o\u00a0hypot\u00e9ku cht\u011bj\u00ed \u017e\u00e1dat, se to t\u00fdk\u00e1 i\u00a0lid\u00ed, kter\u00fdm kon\u010d\u00ed fixace sazeb. Pr\u00e1v\u011b po\u010det t\u011bchto dom\u00e1cnost\u00ed je letos rekordn\u00ed.<\/p>\n

<\/a><\/p>\n

S t\u00edm, \u017ee doba zlev\u0148ov\u00e1n\u00ed hypot\u00e9k kon\u010d\u00ed, souhlas\u00ed i\u00a0dal\u0161\u00ed experti. \u201eBohu\u017eel se objevuje st\u00e1le v\u00edce faktor\u016f, kter\u00e9 by sazby mohly znovu posunout sm\u011brem nahoru,\u201c konstatoval Tom Kade\u0159\u00e1bek, vedouc\u00ed produktov\u00e9ho odd\u011blen\u00ed poradensk\u00e9 spole\u010dnosti Swiss Life Select.<\/p>\n

Fixace letos kon\u010d\u00ed\u00a0vy\u0161\u0161\u00edm des\u00edtk\u00e1m tis\u00edc lid\u00ed. Tito klienti si hypot\u00e9ky brali nej\u010dast\u011bji v\u00a0obdob\u00ed rekordn\u011b n\u00edzk\u00fdch \u00farokov\u00fdch sazeb v\u00a0letech 2020\u00a0a\u00a02021.\u00a0Spl\u00e1tky jim vzrostou ur\u010dit\u011b, sou\u010dasn\u00e9 d\u011bn\u00ed m\u016f\u017ee ale u\u017e tak velik\u00fd cenov\u00fd skok je\u0161t\u011b zv\u00fd\u0161it.<\/p>\n

Nejv\u011bt\u0161\u00ed vliv na sazby hypot\u00e9k m\u00e1 v\u00fdvoj takzvan\u00fdch \u00farokov\u00fdch swap\u016f, tedy ceny pen\u011bz, za kterou si banky p\u016fj\u010duj\u00ed mezi sebou. Od vypuknut\u00ed konfliktu na Bl\u00edzk\u00e9m v\u00fdchod\u011b cena vzrostla zhruba o\u00a00,5\u00a0procentn\u00edho bodu. Ve st\u0159edu se u\u00a0nejpopul\u00e1rn\u011bj\u0161\u00edch t\u0159\u00edlet\u00fdch \u00fav\u011br\u016f pohybovala kolem \u010dty\u0159procentn\u00ed hranice, nejv\u00fd\u0161e od \u010dervna 2024.<\/p>\n

Sazby vyhnala v\u00fd\u0161e rostouc\u00ed cena ropy a\u00a0pohonn\u00fdch hmot, co\u017e na trz\u00edch vyvolalo obavy z\u00a0vy\u0161\u0161\u00ed inflace. Podobn\u011b tomu bylo i\u00a0p\u0159ed \u010dty\u0159mi lety po vypuknut\u00ed v\u00e1lky na Ukrajin\u011b. Tehdy v\u0161ak byly mezibankovn\u00ed sazby je\u0161t\u011b vy\u0161\u0161\u00ed, proto\u017ee \u010cesko u\u017e p\u0159ed zah\u00e1jen\u00edm konfliktu \u010delilo siln\u011bj\u0161\u00edmu r\u016fstu cen.<\/p>\n

Banky si budou chr\u00e1nit mar\u017ee<\/p>\n

Dal\u0161\u00ed v\u00fdvoj bude z\u00e1viset na tom, jak dlouho potrv\u00e1 v\u00e1lka na Bl\u00edzk\u00e9m v\u00fdchod\u011b. Pr\u00e1v\u011b to je ale t\u011b\u017ek\u00e9 odhadnout. Americk\u00fd prezident Donald Trump opakovan\u011b prohla\u0161uje, \u017ee konflikt skon\u010d\u00ed brzy, zat\u00edmco \u00cdr\u00e1n tvrd\u00ed, \u017ee je p\u0159ipraven na \u201edlouhou vy\u010derp\u00e1vaj\u00edc\u00ed v\u00e1lku\u201c. <\/p>\n

A\u0165 u\u017e bude v\u00fdvoj jak\u00fdkoli, nep\u0159edpokl\u00e1d\u00e1 Eim, \u017ee by banky ob\u011btovaly \u010d\u00e1st sv\u00fdch mar\u017e\u00ed nap\u0159\u00edklad kv\u016fli konkuren\u010dn\u00edmu boji. Odkazuje p\u0159itom na prosincov\u00e9 zdra\u017eov\u00e1n\u00ed, kter\u00fdm finan\u010dn\u00ed domy reagovaly na lo\u0148sk\u00fd postupn\u00fd r\u016fst ceny pen\u011bz. \u201eNapov\u011bd\u011blo mi to, \u017ee n\u00ed\u017ee u\u017e s\u00a0mar\u017eemi j\u00edt necht\u011bj\u00ed,\u201c prohl\u00e1sil Eim.<\/p>\n

Vliv bude m\u00edt i\u00a0rozhodov\u00e1n\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky, kterou p\u0159\u00ed\u0161t\u00ed t\u00fdden \u010dek\u00e1 jedn\u00e1n\u00ed o\u00a0z\u00e1kladn\u00ed \u00farokov\u00e9 sazb\u011b. Podle Kade\u0159\u00e1bka ze Swiss Life Select se d\u00e1 o\u010dek\u00e1vat, \u017ee centr\u00e1ln\u00ed banka bude s\u00a0pohybem sazeb \u010dekat na dal\u0161\u00ed v\u00fdvoj.<\/p>\n

Potvrzuj\u00ed to i\u00a0posledn\u00ed v\u00fdroky radn\u00edch. \u201eStabilita sazeb se zd\u00e1 b\u00fdt nejvhodn\u011bj\u0161\u00edm postojem,\u201c uvedl pro agenturu Reuters <\/a>radn\u00ed Jakub Seidler. Zachov\u00e1n\u00ed z\u00e1kladn\u00ed sazby na sou\u010dasn\u00fdch 3,5\u00a0procenta podpo\u0159il pro Bloomberg<\/a> i\u00a0jeho kolega Jan Kub\u00ed\u010dek.<\/p>\n

<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"\u201eO\u010dek\u00e1v\u00e1m, \u017ee do konce b\u0159ezna sazby hypot\u00e9k vzrostou o\u00a00,2\u00a0a\u017e 0,3\u00a0procenta,\u201c uvedl pro Novinky David Eim, m\u00edstop\u0159edseda hypote\u010dn\u00edho zprost\u0159edkovatele…\n","protected":false},"author":2,"featured_media":21971,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[12],"tags":[1985,67,1311,68,1984,565,780,10608],"class_list":["post-21970","post","type-post","status-publish","format-standard","has-post-thumbnail","category-byznys","tag-banky","tag-business","tag-bydleni","tag-byznys","tag-hypoteky","tag-nemovitosti","tag-reality","tag-splatky"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116215795094564574","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/21970","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=21970"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/21970\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/21971"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=21970"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=21970"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=21970"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}