{"id":38070,"date":"2026-03-28T09:13:09","date_gmt":"2026-03-28T09:13:09","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/38070\/"},"modified":"2026-03-28T09:13:09","modified_gmt":"2026-03-28T09:13:09","slug":"era-levnych-hypotek-skoncila-uver-do-sesti-procent-je-dobry-rika-sef-monety-spurny","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/38070\/","title":{"rendered":"\u00c9ra levn\u00fdch hypot\u00e9k skon\u010dila, \u00fav\u011br do \u0161esti procent je dobr\u00fd, \u0159\u00edk\u00e1 \u0161\u00e9f Monety Spurn\u00fd\u00a0"},"content":{"rendered":"<p>Gener\u00e1ln\u00ed \u0159editel Moneta Money Bank Tom\u00e1\u0161 Spurn\u00fd v po\u0159adu FLOW mimo jin\u00e9 otev\u0159en\u011b mluv\u00ed o tom, pro\u010d se \u010desk\u00e9 nemovitosti staly nedostupn\u00fdmi a jak by mohlo vypadat \u0159e\u0161en\u00ed. Nap\u0159\u00edklad Praha by se podle n\u011bj m\u011bla soust\u0159edit na <a href=\"https:\/\/www.e15.cz\/byznys\/reality-a-stavebnictvi\/natland-kupuje-kus-zlicina-uz-pristi-rok-tam-zacne-stavet-novou-ctvrt-se-stovkami-bytu-1431576\" target=\"_blank\" rel=\"noopener nofollow\">stavbu nov\u00fdch byt\u016f<\/a>, nikoli na cyklostezky. \u201ePraha hospoda\u0159\u00ed s p\u0159ebytkem. M\u00edsto cyklostezek by m\u011bla stav\u011bt bydlen\u00ed,\u201c \u0159\u00edk\u00e1 bank\u00e9\u0159.\u00a0<\/p>\n<p>VIDEO:\u00a0Jsme na prahu dal\u0161\u00ed velk\u00e9 krize, konflikt na Bl\u00edzk\u00e9m v\u00fdchod\u011b m\u016f\u017ee zdra\u017eit i bydlen\u00ed, varuje \u0161\u00e9f Monety Tom\u00e1\u0161 Spurn\u00fd.\u00a0<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.europesays.com\/cz\/wp-content\/uploads\/2026\/03\/1774615991_824_retina.jpg\" alt=\"Video placeholder\" class=\"gvjp-video-placeholder\"\/><\/p>\n<p>\n\t\t\t\tFLOW: Jsme na prahu dal\u0161\u00ed velk\u00e9 krize, konflikt na Bl\u00edzk\u00e9m v\u00fdchod\u011b m\u016f\u017ee zdra\u017eit i bydlen\u00ed, varuje \u0161\u00e9f Monety Spurn\u00fd \u2022 e15\n\t\t\t<\/p>\n<p>Stoprocentn\u00ed hypot\u00e9ka a garance st\u00e1tu<\/p>\n<p>Bydlen\u00ed v Praze se stalo dle jeho slov nedosti\u017en\u00fdm luxusem pro v\u011bt\u0161inu lid\u00ed. Spurn\u00fd zd\u016fraznil, \u017ee pro rodinu s pr\u016fm\u011brn\u00fdm p\u0159\u00edjmem je dnes desetimilionov\u00e1 hypot\u00e9ka matematickou nemo\u017enost\u00ed. Jako \u0159e\u0161en\u00ed navrhuje stoprocentn\u00ed hypot\u00e9ky s garanc\u00ed st\u00e1tu, kter\u00fd by tak m\u011bl umo\u017enit mlad\u00fdm financovat vlastnictv\u00ed bytu bez nutnosti m\u00edt \u010d\u00e1st ceny v hotovosti.\u00a0<\/p>\n<p>\u201eSt\u00e1t by bance garantoval \u010d\u00e1st \u00fav\u011bru po dobu prvn\u00edch deseti let a splatnost by mohla b\u00fdt t\u0159eba \u010dty\u0159icet let, aby m\u011bs\u00ed\u010dn\u00ed z\u00e1t\u011b\u017e nepolo\u017eila rodinn\u00fd rozpo\u010det,\u201c navrhuje \u0159e\u0161en\u00ed Spurn\u00fd ve FLOW s t\u00edm, \u017ee podobn\u00fd model ji\u017e funguje i v zahrani\u010d\u00ed \u2013 nap\u0159\u00edklad v sousedn\u00edm Rakousku.\u00a0<\/p>\n<p>Zapome\u0148te na hypot\u00e9ky za dv\u011b procenta<\/p>\n<p>Debata o hypot\u00e9k\u00e1ch v \u010cesku je podle \u0161\u00e9fa Monety pok\u0159iven\u00e1 minulost\u00ed levn\u00fdch pen\u011bz. \u201e\u00c9ra, kdy jste dostali hypot\u00e9ku za dv\u011b procenta, je nen\u00e1vratn\u011b pry\u010d. Za t\u0159icet let m\u00e9 praxe plat\u00ed, \u017ee hypot\u00e9ka pod \u0161est procent je dobr\u00e1 hypot\u00e9ka. Lid\u00e9 si zvykli na extr\u00e9mn\u011b n\u00edzk\u00e9 hladiny, ale sou\u010dasn\u00fdch 4,5 procenta je naprosto norm\u00e1ln\u00ed stav,\u201c vysv\u011btluje v rozhovoru.\u00a0<\/p>\n<p>Bydlen\u00ed dle n\u011bj m\u016f\u017ee v\u00fdrazn\u011b zdra\u017eit tak\u00e9 aktu\u00e1ln\u00ed konflikt na Bl\u00edzk\u00e9m v\u00fdchod\u011b. \u201ePokud z\u016fstane Hormuzsk\u00fd pr\u016fplav blokov\u00e1n d\u00e9le ne\u017e \u0161est m\u011bs\u00edc\u016f, ceny ropy mohou vyst\u0159elit k hranici dv\u011b st\u011b dolar\u016f za barel, a to bude m\u00edt dal\u0161\u00ed dopady na zdra\u017eov\u00e1n\u00ed bydlen\u00ed,\u201c \u0159\u00edk\u00e1 v rozhovoru pro po\u0159ad FLOW.\u00a0<\/p>\n<p>K\u00e1men \u00farazu v cel\u00e9 problematice dostupnosti bydlen\u00ed tkv\u00ed v\u0161ak podle Spurn\u00e9ho tak\u00e9 v tom, \u017ee \u010ce\u0161i nedost\u00e1vaj\u00ed za svou pr\u00e1ci adekv\u00e1tn\u011b zaplaceno v porovn\u00e1n\u00ed s vysp\u011blou Evropou. I proto si v\u011bt\u0161ina lid\u00ed nem\u016f\u017ee z plat\u016f na byt u\u0161et\u0159it.\u00a0S t\u00edm dle n\u011bj souvis\u00ed i depresivn\u00ed mindset mlad\u00fdch \u010cech\u016f. Pr\u00e1ce v \u010cesku je toti\u017e oproti N\u011bmecku st\u00e1le v\u00fdrazn\u011b podhodnocen\u00e1.\u00a0<\/p>\n<p>Pro\u010d podle n\u011bj m\u016f\u017eeme m\u00edt n\u011bmeck\u00e9 platy do deseti let? Pro\u010d jsme, jak \u0159\u00edk\u00e1, lep\u0161\u00ed? A pro\u010d si mysl\u00ed, \u017ee \u017eeny pracuj\u00ed v\u00edc ne\u017e mu\u017ei? Pod\u00edvejte se na cel\u00fd rozhovor pro po\u0159ad FLOW, kter\u00fd najdete ve videu ve \u010dl\u00e1nku.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"Gener\u00e1ln\u00ed \u0159editel Moneta Money Bank Tom\u00e1\u0161 Spurn\u00fd v po\u0159adu FLOW mimo jin\u00e9 otev\u0159en\u011b mluv\u00ed o tom, pro\u010d se&hellip;\n","protected":false},"author":2,"featured_media":38071,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[67,1311,68,42,12948,1313,15178,375,99,256,15177,11737],"class_list":{"0":"post-38070","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-byznys","8":"tag-business","9":"tag-bydleni","10":"tag-byznys","11":"tag-cesko","12":"tag-cyklostezka","13":"tag-hypoteka","14":"tag-moneta-bank","15":"tag-nemecko","16":"tag-praha","17":"tag-rakousko","18":"tag-tomas-spurny","19":"tag-valka-v-iranu"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116306038129739516","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/38070","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=38070"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/38070\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/38071"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=38070"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=38070"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=38070"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}