{"id":727,"date":"2022-02-28T13:00:19","date_gmt":"2022-02-28T12:00:19","guid":{"rendered":"https:\/\/finmag.info\/?p=727"},"modified":"2023-01-08T22:00:55","modified_gmt":"2023-01-08T21:00:55","slug":"odbornici-se-shoduji-trh-s-realitami-muze-cekat-znacne-ochlazeni","status":"publish","type":"post","link":"https:\/\/finmag.info\/?p=727","title":{"rendered":"Odborn\u00edci se shoduj\u00ed: trh s realitami m\u016f\u017ee \u010dekat zna\u010dn\u00e9 ochlazen\u00ed"},"content":{"rendered":"\n

\u010cesk\u00e1 n\u00e1rodn\u00ed banka za lo\u0148sk\u00fd rok n\u011bkolikr\u00e1t zv\u00fd\u0161ila zna\u010dn\u011b razantn\u00edm zp\u016fsobem \u00farokovou sazbu, \u010d\u00edm\u017e ovlivnila tak\u00e9 zv\u00fd\u0161en\u00ed sazeb u hypote\u010dn\u00edch \u00fav\u011br\u016f. I p\u0159es tento fakt ov\u0161em z\u00e1jem o nemovitosti nad\u00e1le p\u0159etrv\u00e1v\u00e1. Jeliko\u017e popt\u00e1vka n\u011bkolikan\u00e1sobn\u011b p\u0159evy\u0161uje nab\u00eddku, mohou si prod\u00e1vaj\u00edc\u00ed \u0159\u00edct za nemovitost neb\u00fdvale vysok\u00e9 \u010d\u00e1stky a mohou m\u00edt jistotu, \u017ee se kupec s velkou pravd\u011bpodobnost\u00ed rychle najde.<\/p>\n\n\n\n

I z tohoto d\u016fvodu v\u00fd\u0161e sjednan\u00fdch hypot\u00e9k za lo\u0148sk\u00fd rok trhala jeden rekord za druh\u00fdm. Od dubna 2022 ka\u017edop\u00e1dn\u011b vch\u00e1z\u00ed v platnost nov\u00e1 pravidla sjedn\u00e1n\u00ed hypot\u00e9k, kter\u00e1 mohou trh s realitami zna\u010dn\u011b ochladit.<\/p>\n\n\n\n

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Tip redakce: oble\u010dte se na sch\u016fzku stylov\u011b podle nejnov\u011bj\u0161\u00edch trend\u016f p\u00e1nsk\u00e9 m\u00f3dy<\/a>.<\/p>\n\n\n\n

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Z\u00e1jemci o nemovitosti se mus\u00ed vypo\u0159\u00e1dat s\u00a0p\u0159\u00edsn\u011bj\u0161\u00edmi pravidly<\/strong><\/h2>\n\n\n
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P\u0159esto\u017ee v lo\u0148sk\u00e9m roce doch\u00e1zelo k ustavi\u010dn\u00fdm zvy\u0161ov\u00e1n\u00edm \u00farokov\u00e9 sazby, z\u00e1jemce o hypot\u00e9ku to neodradilo. Poskytovatel\u00e9 hypote\u010dn\u00edch \u00fav\u011br\u016f do konce roku 2021 sjednali hypot\u00e9ky za rekordn\u00edch 440 miliard korun, v p\u0159edpandemick\u00e9 dob\u011b se p\u0159itom jednalo zhruba o polovinu t\u00e9to \u010d\u00e1stky. Po boomu, kter\u00fd byl zaznamen\u00e1n mezi lo\u0148sk\u00fdm dubnem a \u010dervnem, za\u010dala ka\u017edop\u00e1dn\u011b \u010d\u00edsla m\u00edrn\u011b klesat, p\u0159i\u010dem\u017e se d\u00e1 o\u010dek\u00e1vat, \u017ee tento trend od leto\u0161n\u00edho dubna je\u0161t\u011b zrychl\u00ed. Stoj\u00ed za t\u00edm n\u011bkolik d\u016fvod\u016f.<\/p>\n\n\n\n

U\u017e v prosinci 2021 dosahovala \u00farokov\u00e1 sazba u v\u011bt\u0161iny hypot\u00e9k \u010dty\u0159 procent, v lednu pak stoupla t\u00e9m\u011b\u0159 k p\u011bti procent\u016fm. St\u00e1vaj\u00edc\u00ed v\u00fdvoj napov\u00edd\u00e1 tomu, \u017ee n\u00e1r\u016fst sazeb bude i nad\u00e1le pokra\u010dovat a z\u0159ejm\u011b se velice brzy dostaneme a\u017e k hranici \u0161esti procent. Guvern\u00e9r \u010cNB Ji\u0159\u00ed Rusnok ka\u017edop\u00e1dn\u011b uvedl, \u017ee p\u0159i napln\u011bn\u00ed progn\u00f3z o postupn\u00e9 klesaj\u00edc\u00ed inflaci nebude ji\u017e p\u0159ekotn\u00e9 zvy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb zapot\u0159eb\u00ed. Na skute\u010dn\u00fd v\u00fdvoj si ale budeme muset je\u0161t\u011b po\u010dkat.<\/p>\n\n\n\n

Dal\u0161\u00edm d\u016fvodem je fakt, \u017ee od dubna 2022 za\u010dnou platit p\u0159\u00edsn\u011bj\u0161\u00ed podm\u00ednky pro sjedn\u00e1n\u00ed hypot\u00e9ky. Nov\u011b bude muset ka\u017ed\u00fd \u017eadatel o hypote\u010dn\u00ed \u00fav\u011br disponovat alespo\u0148 p\u011btinou odhadn\u00ed ceny nemovitosti. Bude tak\u00e9 zavedena maxim\u00e1ln\u00ed mo\u017en\u00e1 hranice zadlu\u017eenosti \u017eadatele i po\u017eadovan\u00fd pom\u011br mezi celkovou v\u00fd\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky a m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmem \u017eadatele. Spl\u00e1tka by p\u0159itom nem\u011bla p\u0159esahovat 45 procent p\u0159\u00edjmu. D\u016fle\u017eitou zm\u011bnou tak\u00e9 je, \u017ee si \u017eadatel bude moci p\u016fj\u010dit maxim\u00e1ln\u011b osmdes\u00e1t procent hodnoty nemovitosti. P\u0159esto\u017ee jsou podm\u00ednky pro \u017eadatele mlad\u0161\u00ed t\u0159iceti \u0161esti let o n\u011bco vst\u0159\u00edcn\u011bj\u0161\u00ed, mo\u017enost z\u00edskat vlastn\u00ed bydlen\u00ed se pro \u0159adu lid\u00ed zna\u010dn\u011b zkomplikuje nebo dokonce zcela uzav\u0159e.<\/p>\n\n\n\n

Pr\u00e1v\u011b tyto dva faktory \u2013 zvy\u0161uj\u00edc\u00ed se \u00farokov\u00e1 sazba a p\u0159\u00edsn\u011bj\u0161\u00ed podm\u00ednky pro \u017eadatele o hypot\u00e9ku, z\u0159ejm\u011b zp\u016fsob\u00ed na realitn\u00edm trhu zna\u010dn\u00e9 ochlazen\u00ed. Jeliko\u017e tolik lid\u00ed ji\u017e nedos\u00e1hne na hypot\u00e9ku, z\u00e1jem o n\u00e1kup realit klesne. Dle progn\u00f3z se m\u016f\u017ee jednat o skute\u010dn\u011b enormn\u00ed propad ve v\u00fd\u0161i sjednan\u00fdch hypot\u00e9k \u2013 hypote\u010dn\u00ed \u00fav\u011bry mohou spadnout a\u017e o polovinu, tedy na 200 miliard korun za rok, na co\u017e jsme byli zvykl\u00ed p\u0159ed za\u010d\u00e1tkem pandemie.<\/p>\n\n\n\n

Prod\u00e1v\u00e1te nemovitost? M\u011bli byste si posp\u00ed\u0161it<\/strong><\/h2>\n\n\n
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Je patrn\u00e9, \u017ee \u017eadatel\u00e9 o hypot\u00e9ku se v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek jen tak nedo\u010dkaj\u00ed. Tato situace m\u016f\u017ee zp\u016fsobit zna\u010dn\u00fd pokles cen realit, kter\u00e9 v sou\u010dasn\u00e9 dob\u011b dosahuj\u00ed neobvykl\u00fdch v\u00fd\u0161in. Ni\u017e\u0161\u00ed \u0161ance na z\u00edsk\u00e1n\u00ed hypot\u00e9ky m\u016f\u017ee \u0159adu lid\u00ed odradit od vlastn\u00edho bydlen\u00ed, poklesu popt\u00e1vky se tak bude muset uzp\u016fsobit i nab\u00eddka.<\/p>\n\n\n\n

Pokud se tedy rozhodujete prodat svou nemovitost, nem\u011bli byste p\u0159\u00edli\u0161 dlouho ot\u00e1let. Zp\u0159\u00edsn\u011bn\u00ed podm\u00ednek a zv\u00fd\u0161en\u00ed \u00farokov\u00e9 sazby jen sn\u00ed\u017e\u00ed okruh z\u00e1jemc\u016f o va\u0161i nemovitosti, pokud chcete tedy z prodeje vyt\u011b\u017eit maximum, je nyn\u00ed vhodn\u00fd \u010das svou nemovitost p\u0159edstavit z\u00e1jemc\u016fm.<\/p>\n\n\n\n

Pokud se nechcete do prod\u00e1v\u00e1n\u00ed pou\u0161t\u011bt sami, ani nechcete platit poplatky realitn\u00ed kancel\u00e1\u0159i, m\u016f\u017eete vyzkou\u0161et revolu\u010dn\u00ed slu\u017ebu Realitn\u00ed samoobsluhy, kter\u00e1 va\u0161i nemovitost nab\u00eddne zdarma na pades\u00e1ti nejv\u00fdznamn\u011bj\u0161\u00edch realitn\u00edch serverech. Vy pak budete propojeni pouze s v\u00e1\u017en\u00fdmi z\u00e1jemci o koupi v\u00e1mi zvolenou metodou. V\u00fdhodou je, \u017ee vy za celou operaci nic neplat\u00edte, naopak, po \u00fasp\u011b\u0161n\u00e9m prodeji zaplat\u00ed poplatky nov\u00fd majitel. Na realitn\u00edm trhu takto v\u00fdhodn\u00e9 podm\u00ednky pro prod\u00e1vaj\u00edc\u00ed u\u017e opravdu dlouho nebyly \u2013 nen\u00ed tedy na co \u010dekat.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u010cesk\u00e1 n\u00e1rodn\u00ed banka za lo\u0148sk\u00fd rok n\u011bkolikr\u00e1t zv\u00fd\u0161ila zna\u010dn\u011b razantn\u00edm zp\u016fsobem \u00farokovou sazbu, \u010d\u00edm\u017e ovlivnila tak\u00e9 zv\u00fd\u0161en\u00ed sazeb u hypote\u010dn\u00edch \u00fav\u011br\u016f. I p\u0159es tento fakt ov\u0161em z\u00e1jem o nemovitosti nad\u00e1le p\u0159etrv\u00e1v\u00e1. Jeliko\u017e popt\u00e1vka n\u011bkolikan\u00e1sobn\u011b p\u0159evy\u0161uje nab\u00eddku, mohou si prod\u00e1vaj\u00edc\u00ed \u0159\u00edct za nemovitost neb\u00fdvale vysok\u00e9 \u010d\u00e1stky a mohou m\u00edt jistotu, \u017ee se kupec s velkou pravd\u011bpodobnost\u00ed rychle […]<\/p>\n","protected":false},"author":2,"featured_media":730,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[14],"tags":[524,525,523,522,521,526],"class_list":["post-727","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance","tag-bydleni","tag-ceny","tag-finance","tag-hypoteka","tag-reality","tag-urokova-sazba"],"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