![](\"https:\/\/www.europesays.com\/cz\/wp-content\/uploads\/2026\/04\/1777555065_872_byty-bydleni-panelak.jpeg\")
<\/a><\/p>\nV \u010cesk\u00e9 republice je vztah mezi st\u00e1tem a\u00a0stavebn\u00edmi spo\u0159itelnami odli\u0161n\u00fd. Stavebn\u00ed spo\u0159itelny maj\u00ed podstatn\u011b v\u011bt\u0161\u00ed volnost, na druh\u00e9 stran\u011b se st\u00e1t o\u00a0jejich \u010dinnost prakticky nezaj\u00edm\u00e1. Z\u00e1sahy st\u00e1tu se omezuj\u00ed na ob\u010dasn\u00e9 sni\u017eov\u00e1n\u00ed st\u00e1tn\u00ed podpory.<\/p>\n
\u010cesk\u00e9 stavebn\u00ed spo\u0159itelny opou\u0161t\u011bj\u00ed zaji\u0161t\u011bn\u00e9 \u00fav\u011bry z\u00a0odli\u0161n\u00fdch d\u016fvod\u016f. Jejich stoprocentn\u00edmi vlastn\u00edky jsou velk\u00e9 \u010desk\u00e9 banky a\u00a0stavebn\u00ed spo\u0159itelny jsou do nich velmi siln\u011b integrov\u00e1ny. \u0158adu \u00fatvar\u016f a\u00a0proces\u016f sd\u00edlej\u00ed stavebn\u00ed spo\u0159itelny se sv\u00fdmi mate\u0159sk\u00fdmi bankami. T\u00edm p\u0159irozen\u011b vznik\u00e1 ot\u00e1zka, pro\u010d m\u00e1 stejn\u00fd produkt\u00a0\u2013 nap\u0159\u00edklad hypot\u00e9ku na bydlen\u00ed\u00a0\u2013 nab\u00edzet jak banka, tak i\u00a0jej\u00ed dce\u0159in\u00e1 spole\u010dnost. To vede k\u00a0logick\u00e9 a\u00a0z obchodn\u00edho hlediska spr\u00e1vn\u00e9 my\u0161lence: jednotliv\u00e9 subjekty bankovn\u00ed skupiny si rozd\u011bl\u00ed trh tak, aby si vz\u00e1jemn\u011b nekonkurovaly. Zpravidla je v\u00fdsledek takov\u00fd, \u017ee hypote\u010dn\u00ed \u00fav\u011bry poskytuje mate\u0159sk\u00e1 banka, nezaji\u0161t\u011bn\u00e9 \u00fav\u011bry na bydlen\u00ed jsou dom\u00e9nou dce\u0159in\u00e9 stavebn\u00ed spo\u0159itelny. V\u00a0jednom p\u0159\u00edpad\u011b si banka ukousla je\u0161t\u011b v\u011bt\u0161\u00ed d\u00edl\u00a0\u2013 jej\u00ed stavebn\u00ed spo\u0159itelna p\u0159estala poskytovat ve\u0161ker\u00e9 p\u0159eklenovac\u00ed \u00fav\u011bry\u00a0\u2013 zaji\u0161t\u011bn\u00e9 i\u00a0nezaji\u0161t\u011bn\u00e9.<\/p>\n
Podobn\u00e9 d\u011blen\u00ed trhu by v\u00a0n\u011bmeck\u00e9m syst\u00e9mu stavebn\u00edho spo\u0159en\u00ed nebylo mysliteln\u00e9 a\u00a0z\u00e1kon je zapov\u00edd\u00e1. \u010cesk\u00e9 stavebn\u00ed spo\u0159en\u00ed v\u0161ak jde jinou cestou. Ukon\u010den\u00ed hypot\u00e9k umo\u017en\u00ed stavebn\u00edm spo\u0159iteln\u00e1m soust\u0159edit se na nezaji\u0161t\u011bn\u00e9 \u00fav\u011bry, se kter\u00fdmi maj\u00ed velmi dobr\u00e9 zku\u0161enosti.<\/p>\n
P\u0159irozen\u00fdm d\u016fsledkem bude pokles objemu nov\u00fdch \u00fav\u011br\u016f stavebn\u00edch spo\u0159itelen. Jednodu\u0161e proto, \u017ee \u010d\u00e1st \u00fav\u011brov\u00fdch obchod\u016f p\u0159ejde ze stavebn\u00edch spo\u0159itelen na jejich mate\u0159sk\u00e9 banky. Pro konsolidovan\u00fd pohled za celou bankovn\u00ed skupinu to ale nehraje \u017e\u00e1dnou roli. Celkov\u00fd \u00fav\u011brov\u00fd obchod, zahrnuj\u00edc\u00ed jak banku, tak i\u00a0jej\u00ed stavebn\u00ed spo\u0159itelnu, z\u016fstane zachov\u00e1n.<\/p>\n
P\u0159esun \u010d\u00e1sti \u00fav\u011br\u016f ze stavebn\u00edch spo\u0159itelen na mate\u0159sk\u00e9 banky bude pozitivn\u00ed i\u00a0z jin\u00e9ho d\u016fvodu. V\u011bt\u0161ina stavebn\u00edch spo\u0159itelen m\u00e1 v\u00a0bilanci v\u00edce \u00fav\u011br\u016f ne\u017e depozit. Objem poskytnut\u00fdch \u00fav\u011br\u016f p\u0159evy\u0161uje objem shrom\u00e1\u017ed\u011bn\u00fdch vklad\u016f v\u00a0pr\u016fm\u011bru o\u00a0t\u0159icet procent. Chyb\u011bj\u00edc\u00ed zdroje poskytuj\u00ed stavebn\u00edm spo\u0159iteln\u00e1m mate\u0159sk\u00e9 banky. Omezen\u00ed nov\u011b poskytovan\u00fdch \u00fav\u011br\u016f se \u010dasem projev\u00ed v\u00a0poklesu \u00fav\u011brov\u00fdch aktiv, co\u017e sn\u00ed\u017e\u00ed, nebo dokonce zcela odstran\u00ed pot\u0159ebu p\u0159esunu t\u011bchto zdroj\u016f.<\/p>\n","protected":false},"excerpt":{"rendered":"Stavebn\u00ed spo\u0159itelny, stejn\u011b jako ostatn\u00ed banky, se p\u0159i poskytov\u00e1n\u00ed \u00fav\u011br\u016f zaji\u0161\u0165uj\u00ed proti riziku selh\u00e1n\u00ed dlu\u017en\u00edka p\u0159edev\u0161\u00edm prov\u011b\u0159ov\u00e1n\u00edm jeho…\n","protected":false},"author":2,"featured_media":54613,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[1985,67,68,1984,23651,5662],"class_list":{"0":"post-71670","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-byznys","11":"tag-hypoteky","12":"tag-stavebni-sporeni","13":"tag-uver"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116494825230369516","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/71670","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=71670"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/71670\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/54613"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=71670"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=71670"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=71670"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}