{"id":76012,"date":"2026-05-05T07:38:10","date_gmt":"2026-05-05T07:38:10","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/76012\/"},"modified":"2026-05-05T07:38:10","modified_gmt":"2026-05-05T07:38:10","slug":"pokud-dokazu-vydelat-na-mesicni-splatku-jdu-do-vlastniho-je-cechum-jedno-kolik-stoji-byt","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/76012\/","title":{"rendered":"Pokud dok\u00e1\u017eu vyd\u011blat na m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku, jdu do vlastn\u00edho. Je \u010cech\u016fm jedno, kolik stoj\u00ed byt?"},"content":{"rendered":"<p>Pan Ji\u0159\u00ed za\u010dal zva\u017eovat koupi bytu v obdobn\u00e9m okam\u017eiku jako spousta jeho zn\u00e1m\u00fdch \u2013 v prvn\u00edch letech pandemie v roce 2021. Jen\u017ee byl nejen liknav\u00fd, ale nav\u00edc s\u00e1zel na to, \u017ee v p\u0159\u00ed\u0161t\u00edch letech p\u0159ijde citeln\u011bj\u0161\u00ed cenov\u00e1 korekce a dok\u00e1\u017ee tak nakoupit levn\u011bji. Byty skute\u010dn\u011b v roce 2023 m\u00edrn\u011b zlevnily, pan Ji\u0159\u00ed ale \u010dekal d\u00e1le \u2013 na z\u00e1sadn\u011bj\u0161\u00ed ot\u0159es trhu. Stal se v\u0161ak prav\u00fd opak a jen za posledn\u00ed dva roky byty v Praze\u00a0<a href=\"https:\/\/www.e15.cz\/finexpert\/bydleni\/byty-v-cesku-zdrazuji-sedmym-nejvyssim-tempem-v-eu-1431970\" rel=\"nofollow noopener\" target=\"_blank\">podra\u017eily o zhruba 24 procent<\/a>.\u00a0Tv\u00e1\u0159\u00ed v tv\u00e1\u0159 surre\u00e1ln\u00e9 h\u0159e s miliony pan Ji\u0159\u00ed, kter\u00fd mezit\u00edm zalo\u017eil rodinu, za\u010dal uva\u017eovat jinak. Samotnou cenu bytu tak trochu hodil za hlavu a soust\u0159edil se na jedin\u00e9: aby dok\u00e1zal pokr\u00fdt m\u011bs\u00ed\u010dn\u00ed <a href=\"https:\/\/www.e15.cz\/domaci\/hypoteku-splaci-kazdy-sesty-do-30-let-kazdy-treti-se-vzdal-sance-na-vlastni-bydleni-1430846\" rel=\"nofollow noopener\" target=\"_blank\">spl\u00e1tku hypot\u00e9ky<\/a>.\u00a0<\/p>\n<p>\u201eJeliko\u017e naprost\u00e1 v\u011bt\u0161ina byt\u016f, kolem 60 a\u017e 65 procent v\u0161eho, co prod\u00e1me, se u n\u00e1s kupuje p\u0159es\u00a0<a href=\"https:\/\/www.e15.cz\/finexpert\/bydleni\/banky-poskytly-loni-hypoteky-za-406-miliard-druhy-nejvetsi-objem-za-30-let-1430190\" rel=\"nofollow noopener\" target=\"_blank\">hypot\u00e9ku<\/a>,\u00a0nejd\u016fle\u017eit\u011bj\u0161\u00edm a rozhoduj\u00edc\u00edm parametrem pro mlad\u00e9 rodiny je moment\u00e1ln\u011b to, aby finan\u010dn\u011b dos\u00e1hly na pravidelnou m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku,\u201c uv\u00e1d\u00ed \u0161\u00e9f realitn\u00ed s\u00edt\u011b Re\/Max Jan Hrub\u00fd. Z \u010dist\u011b chladn\u00e9ho investi\u010dn\u00edho pohledu je podle n\u011bj sice kupn\u00ed cena tou naprosto kl\u00ed\u010dovou prom\u011bnnou, v \u0159ad\u011b p\u0159\u00edpad\u016f ale za\u010dal hr\u00e1t prim pragmatismus hotovostn\u00edch tok\u016f. \u201eV Praze, Brn\u011b i krajsk\u00fdch m\u011bstech plat\u00ed pragmatick\u00e1 \u00favaha: pokud vyd\u011bl\u00e1v\u00e1m, m\u00e1m na spl\u00e1tku vyhl\u00e9dnut\u00e9ho bytu, jsem schopen d\u00e1t dohromady nutn\u00e9 vlastn\u00ed zdroje a dos\u00e1hnu na hypot\u00e9ku, tak si ji prost\u011b vezmu,\u201c \u0159\u00edk\u00e1 hypote\u010dn\u00ed expert firmy Broker Trust Libor Vojta Ostatek.\u00a0\u00a0<\/p>\n<p>\n\t\t\t\tAnketa\n\t\t\t<\/p>\n<p>\n\t\t\t\t\u0158e\u0161ili byste p\u0159i koupi bytu v\u00edc celkovou cenu, nebo v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky?\n\t\t\t<\/p>\n<p>Hlavn\u00ed je, abych zvl\u00e1dl\/a m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku.<\/p>\n<p>Celkov\u00e1 cena bytu je po\u0159\u00e1d rozhoduj\u00edc\u00ed.<\/p>\n<p>\u010c\u00e1st trhu tak fakticky rezignovala na anal\u00fdzu, zda je cenovka bytu adekv\u00e1tn\u00ed. \u201ePro v\u011bt\u0161inu kupuj\u00edc\u00edch nen\u00ed prim\u00e1rn\u00ed ot\u00e1zkou, kolik byt stoj\u00ed, ale zda projdou bankovn\u00edm s\u00edtem,\u201c p\u0159ipom\u00edn\u00e1 Jakub Veverka z realitn\u00edho port\u00e1lu Videobydleni.cz. Posloupnost \u00favahy je tedy mnohdy opa\u010dn\u00e1. Na po\u010d\u00e1tku rozhodov\u00e1n\u00ed z\u00e1jemc\u016f o bydlen\u00ed nen\u00ed cena bytu, ale maxim\u00e1ln\u00ed mo\u017en\u00e1 spl\u00e1tka hypot\u00e9ky, z n\u00ed\u017e bezprost\u0159edn\u011b vyplyne cenov\u00fd strop bytu. \u201eTa my\u0161lenka je v podstat\u011b logick\u00e1 a m\u016f\u017ee se dot\u00fdkat v\u00fdznamn\u00e9 \u010d\u00e1sti z\u00e1jemc\u016f o byt,\u201c soud\u00ed ekonom Banky Creditas Petr Dufek.\u00a0<\/p>\n<p>Podle lo\u0148sk\u00e9ho Deloitte Property Indexu odpov\u00eddal pr\u016fm\u011brn\u00fd byt v Praze patn\u00e1ctin\u00e1sobku hrub\u00e9ho ro\u010dn\u00edho p\u0159\u00edjmu Pra\u017ean\u016f, co\u017e \u010deskou metropoli stav\u00ed na t\u0159et\u00ed m\u00edsto v \u017eeb\u0159\u00ed\u010dku nejm\u00e9n\u011b dostupn\u00fdch hlavn\u00edch m\u011bst Evropy. Ceny byt\u016f nav\u00edc rostou rychleji ne\u017e p\u0159\u00edjmy. Zat\u00edmco v z\u00e1v\u011bru lo\u0148sk\u00e9ho roku uk\u00e1zaly pra\u017esk\u00e9 v\u00fdplatnice podle statistik\u016f meziro\u010dn\u00ed r\u016fst o 7,8 procenta, ceny pra\u017esk\u00fdch byt\u016f ve stejn\u00e9m obdob\u00ed posko\u010dily podle stejn\u00e9ho zdroje o 13,3 procenta.\u00a0<\/p>\n<p>Jak p\u0159itom uv\u00e1d\u011bj\u00ed statistiky port\u00e1lu Reality Mix, pr\u016fm\u011brn\u00e1 cena pra\u017esk\u00e9ho bytu \u010dinila k za\u010d\u00e1tku dubna 11,6 milionu korun. V korunov\u00e9m vyj\u00e1d\u0159en\u00ed tak z\u00e1jemce o pr\u016fm\u011brn\u00fd byt v metropoli musel oproti lo\u0148sku zaplatit o bezm\u00e1la p\u016fldruh\u00e9ho milionu korun v\u00edce. Obdobn\u00e9 trendy, by\u0165 s ni\u017e\u0161\u00edmi cenovkami, plat\u00ed i mimo hlavn\u00ed m\u011bsto. Podle expert\u016f se takov\u00fd r\u016fst cen byt\u016f st\u00e1v\u00e1 pro z\u00e1jemce obt\u00ed\u017en\u011b uchopiteln\u00fdm.\u00a0<\/p>\n<p>\u201eCelkov\u00e1 kupn\u00ed cena pro b\u011b\u017en\u00e9ho z\u00e1jemce se stala natolik abstraktn\u00edm \u010d\u00edslem, \u017ee se rozhodov\u00e1n\u00ed p\u0159esunulo k udr\u017eitelnosti m\u011bs\u00ed\u010dn\u00edho rozpo\u010dtu,\u201c dod\u00e1v\u00e1 Veverka. Zv\u00fd\u0161ila se t\u00edm i citlivost trhu na v\u00fd\u0161i hypote\u010dn\u00edch sazeb, jejich\u017e v\u00fd\u0161e se bezprost\u0159edn\u011b propisuje do m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek kupovan\u00e9 nemovitosti. \u201eI mal\u00fd pokles \u00farokov\u00fdch sazeb m\u00e1 na trh v\u011bt\u0161\u00ed psychologick\u00fd dopad ne\u017e m\u00edrn\u00fd pohyb cen nemovitost\u00ed, proto\u017ee p\u0159\u00edmo sni\u017euje m\u011bs\u00ed\u010dn\u00ed z\u00e1t\u011b\u017e a otev\u00edr\u00e1 cestu k hypot\u00e9ce \u0161ir\u0161\u00edmu okruhu lid\u00ed,\u201c dod\u00e1v\u00e1 Veverka.\u00a0<\/p>\n<p>Data jsou jasn\u00e1<\/p>\n<p>Za pravdu mu d\u00e1vaj\u00ed \u010d\u00edsla \u010cesk\u00e9 bankovn\u00ed asociace. Zat\u00edmco podle jej\u00edho posledn\u00edho Hypomonitoru, mapuj\u00edc\u00edho v\u00fdvoj hypote\u010dn\u00edho trhu, poskytly loni v b\u0159eznu banky p\u0159i pr\u016fm\u011brn\u00e9m faktick\u00e9m \u00faroku 4,68 procenta nov\u00e9 p\u016fj\u010dky v objemu 27,2 miliardy korun, leto\u0161n\u00ed b\u0159ezen pak p\u0159i ni\u017e\u0161\u00ed re\u00e1ln\u00e9 sazb\u011b 4,43 procenta vygeneroval nov\u00e9 hypot\u00e9ky za 40,3 miliardy korun. I kdy\u017e leto\u0161n\u00ed b\u0159ezen znamenal posledn\u00ed m\u011bs\u00edc s relativn\u011b voln\u011bj\u0161\u00edmi pravidly pro investi\u010dn\u00ed hypot\u00e9ky, nebylo p\u0159edz\u00e1soben\u00ed m\u00edrn\u011bj\u0161\u00edmi p\u016fj\u010dkami rozhoduj\u00edc\u00edm faktorem o\u017eiven\u00ed trhu. \u201eDo siln\u00fdch b\u0159eznov\u00fdch \u010d\u00edsel se pravd\u011bpodobn\u011b prom\u00edtl p\u0159edev\u0161\u00edm faktor p\u0159edz\u00e1soben\u00ed ni\u017e\u0161\u00ed \u00farokovou sazbou,\u201c domn\u00edv\u00e1 se ekonom \u010cesk\u00e9 bankovn\u00ed asociace Jarom\u00edr \u0160indel.\u00a0<\/p>\n<p>Podle expert\u016f nicm\u00e9n\u011b rezignace na cenu bydlen\u00ed neplat\u00ed plo\u0161n\u011b nap\u0159\u00ed\u010d regiony ani nap\u0159\u00ed\u010d typy kupc\u016f. \u201eDob\u0159e p\u0159ipraven\u00e9 byty ve kvalitn\u00edch domech generuj\u00ed velmi silnou popt\u00e1vku a prod\u00e1vaj\u00ed se bez v\u00fdrazn\u00e9ho tlaku na cenu. Naopak u nemovitost\u00ed p\u0159ed rekonstrukc\u00ed nebo v hor\u0161\u00edm stavu z\u016fst\u00e1v\u00e1 kupn\u00ed cena kl\u00ed\u010dov\u00fdm faktorem. Tam kupuj\u00edc\u00ed kalkuluj\u00ed, d\u00e1vaj\u00ed ni\u017e\u0161\u00ed nab\u00eddky a jsou ochotni z obchodu odej\u00edt,\u201c zd\u016fraz\u0148uje realitn\u00ed makl\u00e9\u0159 spole\u010dnosti Century 21 Bonus Brno David Gablas. Obdobn\u011b z\u016fst\u00e1v\u00e1 kupn\u00ed cena zcela z\u00e1sadn\u00ed pro realitn\u00ed investory, pro kter\u00e9 je kl\u00ed\u010dovou veli\u010dinou pro v\u00fdpo\u010det v\u00fdnosu nemovitosti.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"Pan Ji\u0159\u00ed za\u010dal zva\u017eovat koupi bytu v obdobn\u00e9m okam\u017eiku jako spousta jeho zn\u00e1m\u00fdch \u2013 v prvn\u00edch letech pandemie&hellip;\n","protected":false},"author":2,"featured_media":20595,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[18262,92,24438,16212,43,42,41,40,7602,1313,24543,4403,21833,24542],"class_list":{"0":"post-76012","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-cesko","8":"tag-banka-creditas","9":"tag-brno","10":"tag-broker-trust","11":"tag-ceska-bankovni-asociace","12":"tag-ceska-republika","13":"tag-cesko","14":"tag-czech-republic","15":"tag-czechia","16":"tag-deloitte","17":"tag-hypoteka","18":"tag-jaromir-sindel","19":"tag-nemovitost","20":"tag-petr-dufek","21":"tag-splatka"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116520832341134213","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/76012","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=76012"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/76012\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/20595"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=76012"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=76012"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=76012"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}