{"id":86276,"date":"2026-05-15T08:50:13","date_gmt":"2026-05-15T08:50:13","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/86276\/"},"modified":"2026-05-15T08:50:13","modified_gmt":"2026-05-15T08:50:13","slug":"konec-uroku-ve-stovkach-procent-spotrebitelske-pujcky-dostanou-stropy","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/86276\/","title":{"rendered":"Konec \u00farok\u016f ve stovk\u00e1ch procent. Spot\u0159ebitelsk\u00e9 p\u016fj\u010dky dostanou stropy"},"content":{"rendered":"

Spole\u010dnost Tando, kter\u00e1 disponuje licenc\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky, poskytuje \u00fav\u011bry s\u00a0m\u011bs\u00ed\u010dn\u00ed \u00farokovou sazbou 40\u00a0%. Ro\u010dn\u00ed n\u00e1klad (RPSN) na takovou p\u016fj\u010dku by \u010dinil 5569\u00a0%, stoj\u00ed na webu spole\u010dnosti. Pokud si tedy dlu\u017en\u00edk vyp\u016fj\u010d\u00ed deset tis\u00edc korun, za m\u011bs\u00edc mus\u00ed splatit 14\u00a0000.\u00a0Pokud by si stejnou \u010d\u00e1stku p\u016fj\u010dil na rok, uhrad\u00ed jen na \u00faroc\u00edch 46\u00a0700\u00a0K\u010d.<\/p>\n

Vl\u00e1dn\u00ed novela z\u00e1kona o\u00a0spot\u0159ebitelsk\u00e9m \u00fav\u011bru chce takov\u00e9 praktiky zastavit a\u00a0\u00faroky u\u00a0spot\u0159ebitelsk\u00fdch p\u016fj\u010dek dostanou strop.\u00a0Radek H\u00e1bl, zakladatel Institutu prevence a\u00a0\u0159e\u0161en\u00ed p\u0159edlu\u017een\u00ed, n\u00e1vrh podporuje. <\/p>\n

\u201eJe to zm\u011bna k\u00a0lep\u0161\u00edmu. D\u0159\u00edv jsem byl tro\u0161ku skeptick\u00fd k\u00a0jak\u00fdmkoliv cenov\u00fdm strop\u016fm, ale postupem \u010dasu praxe uk\u00e1zala, \u017ee se jim prost\u011b nevyhneme, \u017ee jsou pot\u0159eba,\u201c uv\u00e1d\u00ed H\u00e1bl, kter\u00fd je z\u00e1rove\u0148 autorem Mapy exekuc\u00ed.<\/p>\n

Jak vysok\u00e9 budou stropy?<\/p>\n

Novela rozli\u0161uje dva typy \u00fav\u011br\u016f. U\u00a0vy\u0161\u0161\u00edch p\u016fj\u010dek nad 20\u00a0tis\u00edc korun a\u00a0se splatnost\u00ed del\u0161\u00ed ne\u017e p\u016fl roku\u00a0se m\u00e1 nov\u011b vych\u00e1zet z\u00a0repo sazby \u010cesk\u00e9 n\u00e1rodn\u00ed banky nav\u00fd\u0161en\u00e9 o\u00a0osm procentn\u00edch bod\u016f, to cel\u00e9 vyn\u00e1sobeno \u010dty\u0159mi. Hodnota repo sazby pro tento v\u00fdpo\u010det m\u00e1 b\u00fdt minim\u00e1ln\u011b \u010dty\u0159i procenta. V\u00a0sou\u010dasnosti by podle tohoto vzore\u010dku mohla RPSN (tedy ro\u010dn\u00ed pr\u016fm\u011brn\u00e1 sazba n\u00e1klad\u016f, kter\u00e1 vedle \u00farok\u016f zahrnuje i\u00a0poplatky) dos\u00e1hnout maxim\u00e1ln\u011b 48\u00a0%.<\/p>\n

Repo sazbaRepo sazba \u010cNB (2T repo sazba) je hlavn\u00ed n\u00e1stroj m\u011bnov\u00e9 politiky \u010cesk\u00e9 n\u00e1rodn\u00ed banky, kter\u00fd ur\u010duje \u00farok, za n\u011bj\u017e si komer\u010dn\u00ed banky ukl\u00e1daj\u00ed p\u0159ebyte\u010dnou likviditu u \u010cNB (obvykle na 14 dn\u00ed). Slou\u017e\u00ed k regulaci mno\u017estv\u00ed pen\u011bz v ekonomice, ovliv\u0148uje \u00faroky hypot\u00e9k, \u00fav\u011br\u016f i spo\u0159en\u00ed.Aktu\u00e1ln\u00ed v\u00fd\u0161e: K 7. kv\u011btnu 2026 je dvout\u00fddenn\u00ed repo sazba na 3,50 %.Jak to funguje: Banky \u201eprodaj\u00ed\u201c \u010cNB cenn\u00e9 pap\u00edry a po 14 dnech je zp\u011btn\u011b odkoup\u00ed za vy\u0161\u0161\u00ed cenu (repo sazba).Vliv na ekonomiku: Vy\u0161\u0161\u00ed sazba zdra\u017euje p\u016fj\u010dky a podporuje spo\u0159en\u00ed (brzd\u00ed inflaci), ni\u017e\u0161\u00ed sazba naopak podporuje ekonomiku.Rozhodov\u00e1n\u00ed: O v\u00fd\u0161i sazby rozhoduje Bankovn\u00ed rada \u010cNB obvykle osmkr\u00e1t ro\u010dn\u011b.<\/p>\n

\u201eTa v\u00fd\u0161e je proti jin\u00fdm zem\u00edm v\u00a0Evrop\u011b hodn\u011b benevolentn\u00ed. Na Slovensku maj\u00ed kolem 27\u00a0%, ale n\u011bkter\u00e9 st\u00e1ty jsou i\u00a0v\u00fdrazn\u011b n\u00ed\u017e. Na\u0161ich 48\u00a0% pat\u0159\u00ed k\u00a0t\u011bm nejvy\u0161\u0161\u00edm strop\u016fm, co v\u016fbec v\u00a0Evrop\u011b jsou,\u201c m\u00edn\u00ed Radek H\u00e1bl.<\/p>\n

Jin\u00e1, slo\u017eit\u011bj\u0161\u00ed pravidla plat\u00ed pro miniaturn\u00ed \u00fav\u011bry do celkov\u00e9 v\u00fd\u0161e 20\u00a0tis\u00edc korun a\u00a0s dobou splatnosti maxim\u00e1ln\u011b jeden rok. Tam se strop odraz\u00ed od pau\u0161\u00e1ln\u00ed \u010d\u00e1stky 2\u00a0000\u00a0korun jako n\u00e1klady spojen\u00e9 s\u00a0poskytnut\u00edm \u00fav\u011bru. K\u00a0nim se p\u0159i\u010dte \u010d\u00e1stka, kter\u00e1 zohled\u0148uje v\u00fd\u0161i \u00fav\u011bru, doba, na kterou se \u010derp\u00e1, a\u00a0maxim\u00e1ln\u00ed mo\u017en\u00e1 v\u00fd\u0161e \u00faro\u010den\u00ed. Tato v\u00fd\u0161e \u00faro\u010den\u00ed se odvozuje od z\u00e1kladn\u00ed \u00farokov\u00e9 sazby \u010cesk\u00e9 n\u00e1rodn\u00ed banky (\u010cNB).<\/p>\n

<\/a>Lid\u00e9 p\u016fjdou k\u00a0lichv\u00e1\u0159\u016fm, kritizuj\u00ed poskytovatel\u00e9 <\/p>\n

N\u00e1vrh kritizuje Asociace poskytovatel\u016f nebankovn\u00edch \u00fav\u011br\u016f, jej\u00edm\u017e \u010dlenem je nap\u0159\u00edklad ale i\u00a0v\u00fd\u0161e uveden\u00e1 spole\u010dnost Tando. \u010clen p\u0159edstavenstva APN\u00da Ji\u0159\u00ed Hauptmann m\u00e1 za to, \u017ee zm\u011bna pravidel\u00a0 vytla\u010d\u00ed \u010d\u00e1st spot\u0159ebitel\u016f do \u0161ed\u00e9 z\u00f3ny, tedy k\u00a0lichv\u00e1\u0159\u016fm a\u00a0do zastav\u00e1ren.<\/p>\n

\u201eBude to obrovsk\u00fd probl\u00e9m, proto\u017ee rizikov\u011bj\u0161\u00ed a\u00a0ekonomicky slab\u0161\u00ed spot\u0159ebitel\u00e9, kter\u00e9 my financujeme, t\u00edm p\u00e1dem ztrat\u00ed p\u0159\u00edstup k\u00a0leg\u00e1ln\u00edmu trhu financov\u00e1n\u00ed. Proto\u017ee my je za nov\u00fdch podm\u00ednek nebudeme schopni zafinancovat,\u201c uvedl pro SZ Byznys Hauptmann, kter\u00fd z\u00e1rove\u0148 p\u016fsob\u00ed ve spole\u010dnosti Provident.<\/p>\n

Asociace sdru\u017euje 14\u00a0firem, kter\u00e9 obsluhuj\u00ed 155\u00a0000\u00a0spot\u0159ebitel\u016f. A\u017e 90\u00a0tis\u00edc z\u00a0nich podle Hauptmanna ztrat\u00ed p\u0159\u00edstup k\u00a0p\u016fj\u010dk\u00e1m. Argumentuje zku\u0161enostmi ze zahrani\u010d\u00ed. V\u00a0Polsku po zp\u0159\u00edsn\u011bn\u00ed cenov\u00fdch strop\u016f v\u00a0roce 2020\u00a0podle dat CRIF ztratilo p\u0159\u00edstup na regulovan\u00fd trh \u010dtvrt milionu lid\u00ed, uvedl Hauptmann. <\/p>\n

Naopak trh zastav\u00e1ren se za\u010dal rozv\u00edjet. Studie polsk\u00e9 Unie podnikatel\u016f a\u00a0zam\u011bstnavatel\u016f z\u00a0kv\u011btna 2021\u00a0uv\u00e1d\u00ed, \u017ee slu\u017eby zastav\u00e1ren vyu\u017eilo 1,5\u00a0milionu Pol\u00e1k\u016f a\u00a041\u00a0% klient\u016f p\u0159\u00edmo uvedlo, \u017ee do zastav\u00e1rny \u0161li proto, \u017ee nez\u00edskali financov\u00e1n\u00ed od banky nebo \u00fav\u011brov\u00e9 spole\u010dnosti.<\/p>\n

Na Slovensku byly stropy zavedeny v\u00a0roce 2016.\u00a0A\u00a0mezi roky 2018\u00a0a\u00a02025\u00a0se ztrojn\u00e1sobil po\u010det Slov\u00e1k\u016f, kte\u0159\u00ed znaj\u00ed lichv\u00e1\u0159e. A\u00a036\u00a0% ekonomicky citliv\u011bj\u0161\u00ed populace nem\u00e1 p\u0159\u00edstup k\u00a0finan\u010dn\u00edm zdroj\u016fm,\u201c tvrd\u00ed Ji\u0159\u00ed Hauptmann.<\/p>\n

Podle dluhov\u00e9ho experta Radka H\u00e1bla je dob\u0159e, \u017ee se mo\u017enost dos\u00e1hnout na \u00fav\u011br u\u00a0nebonitn\u00edch lid\u00ed\u00a0omez\u00ed. \u201ePokud \u010dlov\u011bk nedos\u00e1hne na \u00fav\u011br, kter\u00fd je na \u00farovni 50\u00a0% RPSN, tak mu nepom\u016f\u017ee dal\u0161\u00ed dra\u017e\u0161\u00ed \u00fav\u011br. Pot\u0159ebuje sp\u00ed\u0161 odbornou pomoc, pot\u0159ebuje tu svoji finan\u010dn\u00ed situaci \u0159e\u0161it jin\u00fdm zp\u016fsobem ne\u017e \u00fav\u011brem.\u201c<\/p>\n

<\/a><\/p>\n

Poskytovatel\u00e9 rychl\u00fdch p\u016fj\u010dek se podle n\u011bj nov\u00fdm podm\u00ednk\u00e1m p\u0159izp\u016fsob\u00ed a\u00a0dopad na trh nebankovn\u00edch \u00fav\u011br\u016f nebude podle n\u011bj dramatick\u00fd.\u00a0\u201eN\u011bkter\u00e9 spole\u010dnosti ur\u010dit\u011b skon\u010d\u00ed.\u00a0 Jin\u00e9 se p\u0159izp\u016fsob\u00ed a\u00a0do t\u00e9 sazby se vejdou, jenom si prost\u011b sn\u00ed\u017e\u00ed svoje mar\u017ee, kter\u00e9 maj\u00ed dneska obrovsk\u00e9,\u201c m\u00edn\u00ed.<\/p>\n

Dal\u0161\u00ed novinka na obzoru <\/p>\n

Trend posledn\u00edch let je pom\u011brn\u011b tvrd\u00fd v\u016f\u010di nebankovn\u00edm v\u011b\u0159itel\u016fm. Soudy \u010dast\u011bji zkoumaj\u00ed p\u0159im\u011b\u0159enost \u00farok\u016f, \u0159e\u0161\u00ed spr\u00e1vn\u00e9 posouzen\u00ed \u00fav\u011bruschopnosti a\u00a0spot\u0159ebitel\u00e9 se mnohem \u010dast\u011bji br\u00e1n\u00ed.<\/p>\n

Sou\u010dasn\u00fd z\u00e1kon o\u00a0spot\u0159ebitelsk\u00e9m \u00fav\u011bru toti\u017e \u0159\u00edk\u00e1, \u017ee pokud v\u011b\u0159itel \u0161patn\u011b posoudil \u00fav\u011bruschopnost klienta, je smlouva neplatn\u00e1. V\u00a0takov\u00e9m p\u0159\u00edpad\u011b m\u00e1 firma n\u00e1rok jen na vr\u00e1cen\u00ed p\u016fj\u010den\u00e9 jistiny, nikoliv na \u00faroky a\u00a0dal\u0161\u00ed poplatky. Nov\u011b m\u00e1 platit, \u017ee pokud by p\u0159i \u0159\u00e1dn\u00e9m posouzen\u00ed klient p\u016fj\u010dku dostal, smlouva bude platn\u00e1.<\/p>\n

Praxe, kdy lid\u00e9 z\u00edsk\u00e1vaj\u00ed zaplacen\u00e9 \u00faroky zp\u011bt i\u00a0n\u011bkolik let po splacen\u00ed \u00fav\u011bru, tak m\u016f\u017ee skon\u010dit. \u201eTi, kte\u0159\u00ed t\u0159eba p\u0159ed p\u011bti lety \u0159\u00e1dn\u011b doplatili ten \u00fav\u011br, si uv\u011bdom\u00ed \u017ee by vlastn\u011b mohli z\u00edskat n\u011bjak\u00e9 pen\u00edze zp\u00e1tky,\u201c \u0159\u00edk\u00e1 Hauptmann. \u00a0Podle n\u011bj se tak lid\u00e9 rozhodnou v\u011bt\u0161inou pod tlakem toho, co vid\u00ed na soci\u00e1ln\u00edch s\u00edt\u00edch. \u201eTam u\u017e se dnes hovo\u0159\u00ed o\u00a0\u00faroc\u00edch jako o\u00a0p\u0159eplatc\u00edch,\u201c dodal. Podle n\u011bj se tak kolem spor\u016f o\u00a0neplatn\u00e9 \u00fav\u011bry vytvo\u0159il cel\u00fd nov\u00fd byznys.<\/p>\n

\u201eJsou tady r\u016fzn\u00e9 kancel\u00e1\u0159e, kter\u00e9 s\u00a0t\u00edm obchoduj\u00ed,\u201c \u0159\u00edk\u00e1. N\u00e1r\u016fst podobn\u00fdch p\u0159\u00edpad\u016f je podle n\u011bj vid\u011bt i\u00a0na statistik\u00e1ch finan\u010dn\u00edho arbitra. \u201eLoni tam \u0159e\u0161il 11\u00a0000\u00a0p\u0159\u00edpad\u016f, rok p\u0159edt\u00edm to byly 4\u00a0000, rok p\u0159edt\u00edm to byly 2\u00a0000\u00a0a\u00a0p\u0159edt\u00edm to byly \u0159\u00e1dy stovek, ne\u017e se opravdu rozjel tenhleten byznys.\u201c<\/p>\n","protected":false},"excerpt":{"rendered":"Spole\u010dnost Tando, kter\u00e1 disponuje licenc\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky, poskytuje \u00fav\u011bry s\u00a0m\u011bs\u00ed\u010dn\u00ed \u00farokovou sazbou 40\u00a0%. Ro\u010dn\u00ed n\u00e1klad (RPSN) na…\n","protected":false},"author":2,"featured_media":86277,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[67,68,26933,26932,15494,5662],"class_list":{"0":"post-86276","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-byznys","8":"tag-business","9":"tag-byznys","10":"tag-lichva","11":"tag-nebankovni-pujcky","12":"tag-uroky","13":"tag-uver"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116577739057135953","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/86276","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=86276"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/86276\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/86277"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=86276"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=86276"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=86276"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}