{"id":84856,"date":"2016-11-25T16:21:01","date_gmt":"2016-11-25T15:21:01","guid":{"rendered":"https:\/\/www.nase-domy.cz\/?p=84856"},"modified":"2019-01-27T22:18:33","modified_gmt":"2019-01-27T21:18:33","slug":"vyhodne-hypoteky-dosahly-vrcholu-budou-zdrazovat-i-nabizet-jednodussi-predcasne-splaceni","status":"publish","type":"post","link":"https:\/\/nase-domy.cz\/?p=84856","title":{"rendered":"V\u00fdhodn\u00e9 hypot\u00e9ky dos\u00e1hly vrcholu. Budou zdra\u017eovat, ale i nab\u00edzet jednodu\u0161\u0161\u00ed p\u0159ed\u010dasn\u00e9 splacen\u00ed"},"content":{"rendered":"

Ten, kdo \u010dekal, \u017ee ceny hypot\u00e9k p\u016fjdou je\u0161t\u011b n\u00ed\u017ee, se u\u017e z\u0159ejm\u011b nedo\u010dk\u00e1. Regulace trhu s\u00a0hypot\u00e9kami m\u00e1 za c\u00edl sn\u00ed\u017eit vy\u0161ponovanou cenu byt\u016f a ostatn\u00edch nemovitost\u00ed. Pro z\u00e1kazn\u00edky to ale nen\u00ed \u010dist\u011b negativn\u00ed zpr\u00e1va. Nov\u00fd z\u00e1kon s\u00a0\u00fa\u010dinnost\u00ed od 1. prosince by m\u011bl p\u0159in\u00e9st i pozitivn\u00ed zm\u011bnu t\u00fdkaj\u00edc\u00ed se p\u0159ed\u010dasn\u00e9ho splacen\u00ed hypot\u00e9ky.<\/p>\n

V\u00fdhodn\u00e9 hypot\u00e9ky vyhnaly nahoru ceny byt\u016f<\/strong><\/h2>\n

Hypot\u00e9ky dos\u00e1hly v\u00a0\u0159\u00edjnu sv\u00e9ho historick\u00e9ho minima, kdy\u017e se dotkly hodnoty 1,8 procenta \u00farokov\u00e9 sazby. To je jeden z\u00a0d\u016fvod\u016f, pro\u010d bylo mo\u017en\u00e9 pozorovat stoupaj\u00edc\u00ed tendenci cen u byt\u016f. Nejv\u011bt\u0161\u00ed mezikvart\u00e1ln\u00ed n\u00e1r\u016fst ve srovn\u00e1n\u00ed krajsk\u00fdch m\u011bst zaznamenaly ceny byt\u016f v\u00a0Plzni<\/a><\/span>, kde mezi 2. a 3. \u010dtvrtlet\u00edm do\u0161lo k\u00a0vzr\u016fstu o v\u00edce ne\u017e 14 %. Tomu v\u0161ak m\u00e1 b\u00fdt konec, podle expert\u016f by toti\u017e situace byla d\u00e1le neudr\u017eiteln\u00e1. Levn\u00e9 a snadno dostupn\u00e9 hypot\u00e9ky podlehnou regulaci v nov\u00e9m z\u00e1kon\u011b o spot\u0159ebitelsk\u00e9m \u00fav\u011bru.<\/p>\n

\"hypot\u00e9ka\"<\/p>\n

Nov\u00fd z\u00e1kon umo\u017en\u00ed bezplatn\u00e9 splacen\u00ed<\/strong><\/h2>\n

Z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kter\u00fd vejde v\u00a0\u00fa\u010dinnost 1. prosince, umo\u017e\u0148uje lidem levn\u011bj\u0161\u00ed p\u0159ed\u010dasn\u00e9 splacen\u00ed p\u016fj\u010dky. Poskytov\u00e1n\u00ed hypot\u00e9k u\u017e by nem\u011blo b\u00fdt zat\u00ed\u017eeno vysok\u00fdmi sankcemi za d\u0159\u00edv\u011bj\u0161\u00ed splacen\u00ed. Jednou ro\u010dn\u011b bude mo\u017en\u00e9 splatit a\u017e 25 % \u00fav\u011bru bez zat\u00ed\u017een\u00ed sankc\u00ed. To ale znamen\u00e1 v\u011bt\u0161\u00ed n\u00e1klady pro poskytovatele \u00fav\u011bru, co\u017e povede ke zv\u00fd\u0161en\u00ed \u00farokov\u00e9 sazby. T\u00fdk\u00e1 se to hlavn\u011b hypot\u00e9k s\u00a0dlouhou dobou fixace, ale v\u00a0budoucnu z\u0159ejm\u011b nez\u016fstanou u\u0161et\u0159eny ani ty s\u00a0kr\u00e1tkou fixac\u00ed.<\/p>\n

Na co si d\u00e1t pozor p\u0159i \u017e\u00e1dosti o hypot\u00e9ku<\/strong><\/h2>\n

Pokud pl\u00e1nujete n\u00e1kup bytu v\u00a0Plzn<\/span>i<\/a>, kde byly ceny na sv\u00e9m vrcholu, je velmi pravd\u011bpodobn\u00e9, \u017ee d\u00e1le budou lehce klesat a stanou se v\u00fdhodn\u011bj\u0161\u00edmi. P\u0159i \u017e\u00e1dosti o hypot\u00e9ku si dejte pozor na fakt, \u017ee da\u0148 z\u00a0nabyt\u00ed nemovitosti ji\u017e plat\u00ed pouze kupuj\u00edc\u00ed a po\u017e\u00e1dat m\u016f\u017eete o hypote\u010dn\u00ed \u00fav\u011br do maxim\u00e1ln\u00ed v\u00fd\u0161e 95 % hodnoty nemovitosti. Zam\u011b\u0159te se na v\u00fdb\u011br vhodn\u00e9ho \u00fav\u011bru i s\u00a0p\u0159ihl\u00e9dnut\u00edm k\u00a0p\u0159edpokl\u00e1dan\u00e9mu budouc\u00edmu v\u00fdvoji trhu.<\/p>\n

Redakce Press-Media<\/a><\/span><\/h2>\n

Doporu\u010duje dal\u0161\u00ed zaj\u00edmav\u00e9 \u010dl\u00e1nky na medi\u00edch<\/span><\/h2>\n

SEOlaborato\u0159.cz<\/a><\/span><\/h2>\n

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StyleMag.cz<\/a><\/span><\/h2>\n","protected":false},"excerpt":{"rendered":"

Ten, kdo \u010dekal, \u017ee ceny hypot\u00e9k p\u016fjdou je\u0161t\u011b n\u00ed\u017ee, se u\u017e z\u0159ejm\u011b nedo\u010dk\u00e1. Regulace trhu s\u00a0hypot\u00e9kami m\u00e1 za c\u00edl sn\u00ed\u017eit vy\u0161ponovanou cenu byt\u016f a ostatn\u00edch nemovitost\u00ed. Pro z\u00e1kazn\u00edky to ale nen\u00ed \u010dist\u011b negativn\u00ed zpr\u00e1va. Nov\u00fd z\u00e1kon s\u00a0\u00fa\u010dinnost\u00ed od 1. prosince by m\u011bl p\u0159in\u00e9st i pozitivn\u00ed zm\u011bnu t\u00fdkaj\u00edc\u00ed se p\u0159ed\u010dasn\u00e9ho splacen\u00ed hypot\u00e9ky. V\u00fdhodn\u00e9 hypot\u00e9ky vyhnaly nahoru ceny byt\u016f Hypot\u00e9ky dos\u00e1hly v\u00a0\u0159\u00edjnu sv\u00e9ho historick\u00e9ho minima, kdy\u017e se dotkly hodnoty 1,8 procenta \u00farokov\u00e9 sazby. To je jeden z\u00a0d\u016fvod\u016f, pro\u010d bylo mo\u017en\u00e9 pozorovat stoupaj\u00edc\u00ed tendenci cen u byt\u016f. Nejv\u011bt\u0161\u00ed mezikvart\u00e1ln\u00ed n\u00e1r\u016fst ve srovn\u00e1n\u00ed krajsk\u00fdch…<\/p>\n","protected":false},"author":4,"featured_media":84858,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[2],"tags":[201,202,200],"class_list":["post-84856","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dum-byt-a-zahrada","tag-ceny-bytu-v-plzni","tag-hypoteky","tag-nakup-bytu-v-plzn"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t