{"id":78502,"date":"2026-05-07T13:25:10","date_gmt":"2026-05-07T13:25:10","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/78502\/"},"modified":"2026-05-07T13:25:10","modified_gmt":"2026-05-07T13:25:10","slug":"banky-trestaji-nejistotu-hypoteky-opet-mirne-zdrazily-priplaci-se-za-nejoblibenejsi-fixace","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/78502\/","title":{"rendered":"Banky trestaj\u00ed nejistotu. Hypot\u00e9ky op\u011bt m\u00edrn\u011b zdra\u017eily, p\u0159ipl\u00e1c\u00ed se za nejobl\u00edben\u011bj\u0161\u00ed fixace"},"content":{"rendered":"

M\u00e1te v pl\u00e1nu kupovat vlastn\u00ed bydlen\u00ed nebo v\u00e1s brzy \u010dek\u00e1 konec fixace? Pak pro v\u00e1s statistiky posledn\u00edho Swiss Life Hypoindexu mapuj\u00edc\u00ed kv\u011btnov\u00fd start\u00a0hypote\u010dn\u00edho trhu<\/a>\u00a0nemaj\u00ed \u00fapln\u011b nejlep\u0161\u00ed zpr\u00e1vy. Banky na vrcholu jara p\u016fj\u010duj\u00ed je\u0161t\u011b o n\u011bco dr\u00e1\u017ee ne\u017e v dubnu a trh se pevn\u011b usadil nad p\u011btiprocentn\u00ed hranic\u00ed. Pr\u016fm\u011brn\u00e1 nab\u00eddkov\u00e1 sazba u klasick\u00fdch hypot\u00e9k<\/a>\u00a0sjednan\u00fdch p\u0159i financov\u00e1n\u00ed 80 % hodnoty nemovitosti drobn\u011b stoupla na 5,19 procenta. I kdy\u017e se oproti p\u0159edchoz\u00edmu m\u011bs\u00edci jedn\u00e1 jen o m\u00edrn\u00e9 zdra\u017een\u00ed, d\u016fle\u017eit\u011bj\u0161\u00ed je fakt, \u017ee na trhu moment\u00e1ln\u011b nen\u00ed \u017e\u00e1dn\u00fd d\u016fvod hypot\u00e9ky v dohledn\u00e9 dob\u011b zlev\u0148ovat.\u00a0<\/p>\n

\u201eTrh d\u00e1l svazuj\u00ed\u00a0geopolitick\u00e1 rizika<\/a>, cena ropy, infla\u010dn\u00ed o\u010dek\u00e1v\u00e1n\u00ed a vy\u0161\u0161\u00ed \u00farokov\u00e9 swapy. Bez uklidn\u011bn\u00ed ve sv\u011bt\u011b nelze \u010dekat rychl\u00fd n\u00e1vrat k levn\u011bj\u0161\u00edm hypot\u00e9k\u00e1m, a proto roste v\u00fdznam spr\u00e1vn\u00e9 volby banky, d\u00e9lky fixace i na\u010dasov\u00e1n\u00ed jedn\u00e1n\u00ed. Zejm\u00e9na dom\u00e1cnosti p\u0159ed refixac\u00ed by m\u011bly nov\u00e9 podm\u00ednky \u0159e\u0161it s n\u011bkolikam\u011bs\u00ed\u010dn\u00edm p\u0159edstihem,\u201c uv\u00e1d\u00ed hypote\u010dn\u00ed analytik spole\u010dnosti Swiss Life Select Ji\u0159\u00ed S\u00fdkora.\u00a0Experti p\u0159ipom\u00ednaj\u00ed, \u017ee banky sni\u017euj\u00ed sazby hypote\u010dn\u00edch \u00fav\u011br\u016f zpravidla pomaleji, ne\u017e je zvy\u0161uj\u00ed. \u201e\u0160anci na jejich zv\u00fd\u0161en\u00ed \u010dasto vyu\u017eij\u00ed rychle. A nen\u00ed se \u010demu divit: jejich prioritou je zisk, nikoli rychl\u00e9 zlev\u0148ov\u00e1n\u00ed hypot\u00e9k. Ke zm\u011bn\u011b p\u0159\u00edstupu a skute\u010dn\u00e9mu poklesu sazeb je proto pot\u0159eba jasn\u00fd sign\u00e1l, \u017ee se ekonomick\u00e1 situace dlouhodob\u011b zlep\u0161uje,\u201c dod\u00e1v\u00e1 S\u00fdkora.\u00a0<\/p>\n

Z\u00e1sadn\u00ed r\u016fstov\u00fd skok nastal v hypote\u010dn\u00edch sazb\u00e1ch v dubnu, kdy pod vlivem konfliktu na Bl\u00edzk\u00e9m v\u00fdchod\u011b banky zdra\u017eily p\u016fj\u010dky nejrychleji od l\u00e9ta 2022 a pr\u016fm\u011brn\u00e1 sazba se vr\u00e1tila nad p\u011bt procent. R\u016fst sazeb je bezprost\u0159edn\u00edm d\u016fsledkem zdra\u017eov\u00e1n\u00ed pen\u011bz na mezibankovn\u00edm trhu, kter\u00fd prakticky okam\u017eit\u011b absorbuje v\u0161echny byznysov\u011b podstatn\u00e9 faktory pro cenotvorbu hypot\u00e9k. Takzvan\u00e9 \u00farokov\u00e9 swapy z\u00e1sadn\u00ed pro stanoven\u00ed hypote\u010dn\u00edch sazeb po za\u010d\u00e1tku konfliktu vyl\u00e9tly tak\u0159ka o t\u0159etinu a do za\u010d\u00e1tku kv\u011btna je\u0161t\u011b dvakr\u00e1t zm\u011bnily sm\u011br.\u00a0\u201eJe to velmi volatiln\u00ed a odpov\u00edd\u00e1 to nejistot\u011b, kter\u00e1 na trz\u00edch panuje. Bohu\u017eel se situace nezklid\u0148uje,\u201c zd\u016fraz\u0148uje hypote\u010dn\u00ed expert firmy Broker Trust Libor Vojta Ostatek.\u00a0<\/p>\n

Duben tak sice p\u0159inesl \u00farokov\u00fd skok, ale v pr\u016fm\u011bru \u0161lo \u201ejen\u201c o necel\u00e9 t\u0159i desetiny procentn\u00edho bodu, banky tak alespo\u0148 prozat\u00edm p\u0159enesly na klienty jen \u010d\u00e1st ot\u0159esu na mezibankovn\u00edch trz\u00edch. \u201eNem\u016f\u017eeme tam nahodit o p\u016fl procenta vy\u0161\u0161\u00ed sazbu. Jen prost\u011b mus\u00edme \u010dast\u011bji m\u011bnit sazby, hl\u00eddat to na denn\u00ed b\u00e1zi a rychle reagovat. Pr\u00e9mii za nejistotu si jednodu\u0161e nem\u016f\u017eeme dovolit, proto\u017ee jsme v konkuren\u010dn\u00edm prost\u0159ed\u00ed,\u201c popisuje pr\u00e1ci bank\u00e9\u0159\u016f \u0161\u00e9f hypote\u010dn\u00edch \u00fav\u011br\u016f v Raiffeisenbank Milan Vold\u0159ich.\u00a0<\/p>\n

\u010c\u00edm d\u0159\u00edve, t\u00edm l\u00e9pe<\/p>\n

Ekonomov\u00e9 z\u00e1rove\u0148 rad\u00ed lidem, kter\u00e9 v dohledn\u00e9 dob\u011b \u010dek\u00e1 konec hypote\u010dn\u00ed fixace, nenech\u00e1vat vyjedn\u00e1v\u00e1n\u00ed s bankou na posledn\u00ed chv\u00edli, ale \u0159e\u0161it situaci s p\u0159edstihem n\u011bkolika m\u011bs\u00edc\u016f. A to p\u0159edev\u0161\u00edm s ohledem na zv\u00fd\u0161enou nervozitu trhu a nejistotu ohledn\u011b stanoven\u00ed sazeb samotn\u00fdmi bankami, pro kter\u00e9 znamenaj\u00ed progn\u00f3zy geopolitick\u00e9ho v\u00fdvoje z\u00e1sadn\u00ed dodate\u010dn\u00fd rizikov\u00fd impuls. Nav\u00edc se v bankovn\u00edch cen\u00edc\u00edch masivn\u011b prohloubil rozd\u00edl mezi cenou kr\u00e1tkodob\u00fdch a dlouhodob\u00fdch fixac\u00ed.\u00a0<\/p>\n

Nejv\u00fdhodn\u011bji nyn\u00ed vych\u00e1zej\u00ed t\u0159\u00edlet\u00e9 fixace, kde se pr\u016fm\u011brn\u00e1 sazba pohybuje kolem 4,9 procenta. Naopak u p\u011btilet\u00fdch fixac\u00ed zaplat\u00ed z\u00e1jemce o hypot\u00e9ku 5,15 procenta a u desetilet\u00fdch dokonce 5,74 procenta. U hypot\u00e9k sjedn\u00e1van\u00fdch nad osmdes\u00e1t procent hodnoty nemovitosti jsou pak sazby je\u0161t\u011b o n\u011bco p\u0159\u00edsn\u011bj\u0161\u00ed. Zde jednolet\u00e1 fixace stoj\u00ed 5,28 procenta, obl\u00edben\u00e1 t\u0159\u00edlet\u00e1 5,21 procenta, p\u011btilet\u00e1 5,46 procenta a za desetiletou jistotu si banky aktu\u00e1ln\u011b nechaj\u00ed zaplatit 5,99 procenta.\u00a0<\/p>\n

VIDEO:\u00a0Bydlen\u00ed v lodn\u00edm kontejneru je trend, \u010ce\u0161i se u\u010d\u00ed \u017e\u00edt na mal\u00e9 plo\u0161e, tvrd\u00ed podnikatelky z projektu Blokki ve FLOW.\u00a0<\/p>\n

\"Video<\/p>\n

\n\t\t\t\tFLOW: Bydlen\u00ed v lodn\u00edm kontejneru je trend, \u010ce\u0161i se u\u010d\u00ed \u017e\u00edt na mal\u00e9 plo\u0161e, tvrd\u00ed podnikatelky z projektu Blokki \u2022 e15\n\t\t\t<\/p>\n

Z v\u00fdvoje hypote\u010dn\u00edch cen\u00edk\u016f nav\u00edc vypl\u00fdv\u00e1 typick\u00e1 \u201eob\u011b\u0165\u201c ot\u0159es\u016f z posledn\u00edch m\u011bs\u00edc\u016f. A to z\u00e1jemci o kr\u00e1tkodob\u011bj\u0161\u00ed fixace \u00farokov\u00fdch sazeb od jednoho do t\u0159\u00ed let, kte\u0159\u00ed v sou\u010dasnosti tvo\u0159\u00ed rozhoduj\u00edc\u00ed v\u011bt\u0161inu hypote\u010dn\u00edho trhu. \u201eKrat\u0161\u00ed fixace zdra\u017euj\u00ed rychleji ne\u017e dlouhodob\u00e9 fixace. Je to proto, \u017ee trh aktu\u00e1ln\u011b v\u00edce trest\u00e1 nejistotu v horizontu nejbli\u017e\u0161\u00edch let. Banky tak fakticky odrazuj\u00ed od kr\u00e1tk\u00fdch fixac\u00ed, kter\u00e9 jsou pro n\u011b moment\u00e1ln\u011b nejh\u016f\u0159e \u0159iditeln\u00e9 z pohledu rizika,\u201c p\u0159ipom\u00edn\u00e1 ekonom realitn\u00edho port\u00e1lu Videobydleni.cz Jakub Veverka.\u00a0\u00a0<\/p>\n

Krat\u0161\u00ed fixace mohou b\u00fdt vhodn\u00e9 pro ty, kte\u0159\u00ed v\u011b\u0159\u00ed v pokles sazeb v horizontu n\u011bkolika let a jsou ochotni p\u0159ijmout vy\u0161\u0161\u00ed riziko. Del\u0161\u00ed fixace naopak poskytuj\u00ed stabilitu a ochranu p\u0159ed dal\u0161\u00edm r\u016fstem sazeb. Hlavn\u00edm rizikem pak z\u016fst\u00e1v\u00e1 dal\u0161\u00ed v\u00fdvoj na Bl\u00edzk\u00e9m v\u00fdchod\u011b. Pokud by konflikt d\u00e1le eskaloval, banky by se neubr\u00e1nily dal\u0161\u00edmu skokov\u00e9mu zdra\u017een\u00ed hypot\u00e9k.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"M\u00e1te v pl\u00e1nu kupovat vlastn\u00ed bydlen\u00ed nebo v\u00e1s brzy \u010dek\u00e1 konec fixace? Pak pro v\u00e1s statistiky posledn\u00edho Swiss…\n","protected":false},"author":2,"featured_media":78503,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[11611,4495,24438,67,68,1313,10255,25295],"class_list":{"0":"post-78502","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-byznys","8":"tag-banka","9":"tag-blizky-vychod","10":"tag-broker-trust","11":"tag-business","12":"tag-byznys","13":"tag-hypoteka","14":"tag-raiffeisenbank","15":"tag-swiss-life-select"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116533521562768608","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/78502","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=78502"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/78502\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/78503"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=78502"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=78502"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=78502"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}