{"id":55496,"date":"2026-04-15T10:07:11","date_gmt":"2026-04-15T10:07:11","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/55496\/"},"modified":"2026-04-15T10:07:11","modified_gmt":"2026-04-15T10:07:11","slug":"hypoteky-v-cesku-zdrazi-o-miliardy-nesplaceni-se-trh-ale-neboji","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/55496\/","title":{"rendered":"Hypot\u00e9ky v\u00a0\u010cesku zdra\u017e\u00ed o\u00a0miliardy. Nespl\u00e1cen\u00ed se trh ale neboj\u00ed"},"content":{"rendered":"<p class=\"e_bW\">\u010cesk\u00e9 dom\u00e1cnosti \u010dek\u00e1 \u00fa\u010det za \u00e9ru levn\u00fdch hypot\u00e9k. Z\u00a0rodinn\u00fdch rozpo\u010dt\u016f odte\u010dou jen letos do bank miliardy korun nav\u00edc.<\/p>\n<p class=\"e_bW\">Dopad se p\u0159itom d\u00e1 jednodu\u0161e uk\u00e1zat na b\u011b\u017en\u00e9 hypot\u00e9ce. Pokud vezmeme \u00fav\u011br ve v\u00fd\u0161i t\u0159\u00ed milion\u016f korun z\u00a0roku 2021, tehdy se spl\u00e1tka p\u0159i \u00farokov\u00e9 sazb\u011b kolem dvou procent pohybovala zhruba na 11\u00a0tis\u00edc\u00edch korun. \u201e\u00darokov\u00fd \u0161ok je n\u011bkde kolem t\u0159\u00ed a\u017e \u010dty\u0159 tis\u00edc korun m\u011bs\u00ed\u010dn\u011b na b\u011b\u017en\u00e9 hypot\u00e9ce,\u201c popisuje hypote\u010dn\u00ed expert Golem Finance Libor Ostatek.<\/p>\n<p>Vlna zas\u00e1hne statis\u00edce lid\u00ed<\/p>\n<p class=\"e_bW\">Jen letos p\u0159itom refixace \u010dek\u00e1 zhruba 140\u00a0tis\u00edc klient\u016f. Jde p\u0159edev\u0161\u00edm o\u00a0ty, kte\u0159\u00ed si brali hypot\u00e9ky v\u00a0dob\u011b pandemie, kdy sazby klesly na historick\u00e1 minima. Tehdy nebylo v\u00fdjimkou financov\u00e1n\u00ed s\u00a0\u00farokem kolem dvou procent.<\/p>\n<p class=\"e_bW\">Pr\u00e1v\u011b tito lid\u00e9 te\u010f nar\u00e1\u017eej\u00ed na novou realitu. \u201eZvl\u00e1\u0161t\u011b ti, kte\u0159\u00ed si brali hypot\u00e9ky za ryz\u00edho covidu, te\u010f za\u017eij\u00ed \u00farokov\u00fd \u0161ok. Ze sazeb kolem dvou procent p\u016fjdou zhruba na \u010dty\u0159i a\u00a0p\u016fl,\u201c \u0159\u00edk\u00e1 hypote\u010dn\u00ed expert Libor Ostatek.<\/p>\n<p>Odhad objemu refixovan\u00fdch hypote\u010dn\u00edch \u00fav\u011br\u016f2025: cca 240\u00a0miliard K\u010d2026: a\u017e 460\u00a0miliard K\u010d2027: a\u017e 500\u00a0miliard K\u010d<\/p>\n<p class=\"e_bW\">Refixace se tak z\u00a0technick\u00e9ho kroku, kter\u00fd d\u0159\u00edve v\u011bt\u0161ina lid\u00ed t\u00e9m\u011b\u0159 nevn\u00edmala, st\u00e1v\u00e1 kl\u00ed\u010dovou. Pr\u00e1v\u011b ta rozhoduje, jak velk\u00fd dopad budou m\u00edt vy\u0161\u0161\u00ed sazby na konkr\u00e9tn\u00ed dom\u00e1cnost.<\/p>\n<p class=\"e_bW\">Banky sice o\u00a0klienty bojuj\u00ed, ale jejich mo\u017enosti jsou omezen\u00e9. \u00darokov\u00e9 sazby toti\u017e nevych\u00e1zej\u00ed jen z\u00a0jejich obchodn\u00ed strategie, ale p\u0159edev\u0161\u00edm z\u00a0ceny pen\u011bz na trhu a\u00a0m\u011bnov\u00e9 politiky.<\/p>\n<p>Slo\u017eit\u00e1 vyjedn\u00e1v\u00e1n\u00ed<\/p>\n<p class=\"e_bW\">\u201eNejv\u011bt\u0161\u00ed slevy dos\u00e1hne aktivn\u00ed klient, kter\u00fd si nech\u00e1 ud\u011blat konkuren\u010dn\u00ed nab\u00eddky a\u00a0je p\u0159ipraven odej\u00edt jinam,\u201c upozor\u0148uje Libor Ostatek. Ani v\u00a0takov\u00e9m p\u0159\u00edpad\u011b ale nelze \u010dekat z\u00e1sadn\u00ed rozd\u00edly. \u201eTypicky se bav\u00edme o\u00a0zlep\u0161en\u00ed v\u00a0\u0159\u00e1du jedn\u00e9 a\u017e t\u0159\u00ed desetin procentn\u00edho bodu, rozhodn\u011b ne o\u00a0p\u016fl procenta,\u201c dod\u00e1v\u00e1.<\/p>\n<p class=\"e_bW\">M\u011bs\u00ed\u010dn\u00ed spl\u00e1tka hypot\u00e9ky se splatnost\u00ed 30\u00a0let vzroste p\u0159i zv\u00fd\u0161en\u00ed \u00farokov\u00e9 sazby o\u00a00,1\u00a0procentn\u00edho bodu, p\u0159ibli\u017en\u011b o\u00a060\u00a0K\u010d na ka\u017ed\u00fd milion korun \u00fav\u011bru. U\u00a0hypot\u00e9ky ve v\u00fd\u0161i p\u011bti milion\u016f korun tak zlevn\u011bn\u00ed o\u00a00,3\u00a0procentn\u00edho bodu znamen\u00e1 slevu p\u0159ibli\u017en\u011b 900\u00a0korun m\u011bs\u00ed\u010dn\u011b, tedy zhruba 11\u00a0tis\u00edc korun ro\u010dn\u011b.<\/p>\n<p class=\"e_bW\">Prostor pro zlev\u0148ov\u00e1n\u00ed nav\u00edc komplikuje geopolitika a\u00a0na ni nav\u00e1zan\u00fd v\u00fdvoj na finan\u010dn\u00edch trz\u00edch. Zdra\u017eily toti\u017e i\u00a0sazby, za kter\u00e9 si banky samy p\u016fj\u010duj\u00ed pen\u00edze, takzvan\u00e9 \u00farokov\u00e9 swapy, od nich\u017e se ceny hypot\u00e9k p\u0159\u00edmo odv\u00edjej\u00ed. Ty v\u00a0b\u0159eznu skokov\u011b vzrostly a\u00a0banky na to musely reagovat zdra\u017een\u00edm \u00fav\u011br\u016f.<\/p>\n<p>Riziko nespl\u00e1cen\u00ed t\u00e9m\u011b\u0159 nula<\/p>\n<p class=\"e_bW\">Vy\u0161\u0161\u00ed spl\u00e1tky p\u0159irozen\u011b vyvol\u00e1vaj\u00ed ot\u00e1zku, jestli se neza\u010dne zvy\u0161ovat pod\u00edl rizikov\u00fdch \u00fav\u011br\u016f. Podle hypote\u010dn\u00edho experta Libora Ostatka se ale trh sp\u00ed\u0161 p\u0159izp\u016fsob\u00ed. Dom\u00e1cnosti podle n\u011bj nebudou ve v\u011bt\u0161\u00ed m\u00ed\u0159e p\u0159est\u00e1vat spl\u00e1cet, ale uprav\u00ed sv\u00e9 chov\u00e1n\u00ed. \u201eDom\u00e1cnosti se t\u00e9to situaci p\u0159izp\u016fsob\u00ed. Sp\u00ed\u0161e ne\u017e by p\u0159estaly spl\u00e1cet, za\u010dnou hledat \u00faspory jinde. Omez\u00ed spot\u0159ebu a\u00a0dal\u0161\u00ed v\u00fddaje, aby byly schopny sv\u00e9 z\u00e1vazky d\u00e1l plnit,\u201c \u0159\u00edk\u00e1.<\/p>\n<p class=\"e_bW\">Podobnou zku\u0161enost o\u010dek\u00e1vaj\u00ed i\u00a0banky. \u201eNep\u0159edpokl\u00e1d\u00e1me, \u017ee by hrozilo riziko r\u016fstu nespl\u00e1cen\u00fdch hypot\u00e9k. I\u00a0v dob\u011b, kdy byly hypote\u010dn\u00ed sazby v\u00fdrazn\u011b nad hranic\u00ed 6\u00a0%, nedo\u0161lo mezi na\u0161imi klienty k\u00a0n\u00e1r\u016fstu nespl\u00e1cen\u00fdch hypot\u00e9k,\u201c \u0159\u00edk\u00e1 Filip Hrub\u00fd, mluv\u010d\u00ed \u010cesk\u00e9 spo\u0159itelny.<\/p>\n<p><a data-dot=\"mol-article-card-media\" aria-hidden=\"true\" tabindex=\"-1\" href=\"https:\/\/www.seznamzpravy.cz\/clanek\/ekonomika-byznys-reality-hypoteka-hypoteky-zacaly-znovu-zdrazovat-sance-na-slevu-tu-ale-stale-je-302727\" class=\"e_n f_l-\" rel=\"nofollow noopener\" target=\"_blank\"><img height=\"1687\"   width=\"3000\" src=\"https:\/\/www.europesays.com\/cz\/wp-content\/uploads\/2026\/04\/1776247631_289_de0f.jpeg\" loading=\"lazy\" decoding=\"async\" class=\"e_aa e_Z e_T\"\/><\/a><\/p>\n<p class=\"e_bW\">Podle n\u011bj se pod\u00edl probl\u00e9mov\u00fdch \u00fav\u011br\u016f dlouhodob\u011b dr\u017e\u00ed na velmi n\u00edzk\u00e9 \u00farovni. \u201ePod\u00edl nespl\u00e1cen\u00fdch hypot\u00e9k se v\u00a0posledn\u00edch p\u011bti letech standardn\u011b pohybuje okolo \u00farovn\u011b 0,1\u00a0%, co\u017e p\u0159edstavuje v\u00a0pr\u016fm\u011bru jen zhruba 200\u00a0nespl\u00e1cen\u00fdch hypot\u00e9k z\u00a0v\u00edce ne\u017e 230\u00a0tis\u00edc hypot\u00e9k v\u00a0na\u0161em portfoliu,\u201c uv\u00e1d\u00ed.<\/p>\n<p class=\"e_bW\">\u201eI v\u00a0dob\u00e1ch nejv\u011bt\u0161\u00edho n\u00e1r\u016fstu hypote\u010dn\u00edch sazeb projevily z\u00e1jem o\u00a0na\u0161i nab\u00eddku sn\u00ed\u017een\u00ed m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek jen des\u00edtky klient\u016f z\u00a0na\u0161eho portfolia,\u201c dod\u00e1v\u00e1 Filip Hrub\u00fd.<\/p>\n","protected":false},"excerpt":{"rendered":"\u010cesk\u00e9 dom\u00e1cnosti \u010dek\u00e1 \u00fa\u010det za \u00e9ru levn\u00fdch hypot\u00e9k. Z\u00a0rodinn\u00fdch rozpo\u010dt\u016f odte\u010dou jen letos do bank miliardy korun nav\u00edc.&hellip;\n","protected":false},"author":2,"featured_media":55497,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[1985,67,1311,68,4772,1984,565,780,11300,5662],"class_list":{"0":"post-55496","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-byznys","8":"tag-banky","9":"tag-business","10":"tag-bydleni","11":"tag-byznys","12":"tag-ceny-nemovitosti","13":"tag-hypoteky","14":"tag-nemovitosti","15":"tag-reality","16":"tag-refinancovani","17":"tag-uver"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116408172304766650","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/55496","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=55496"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/55496\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/55497"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=55496"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=55496"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=55496"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}