{"id":1161,"date":"2022-03-14T08:00:24","date_gmt":"2022-03-14T07:00:24","guid":{"rendered":"https:\/\/www.jiri-kovar.cz\/?p=1161"},"modified":"2024-02-09T15:28:29","modified_gmt":"2024-02-09T14:28:29","slug":"zmeny-parametru-uveru-od-1-4-2022-2","status":"publish","type":"post","link":"https:\/\/www.jiri-kovar.cz\/index.php\/2022\/03\/14\/zmeny-parametru-uveru-od-1-4-2022-2\/","title":{"rendered":"Zm\u011bny parametr\u016f \u00fav\u011br\u016f od 1.4.2022"},"content":{"rendered":"[vc_row type=“in_container“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ overlay_strength=“0.3″ shape_divider_position=“bottom“ bg_image_animation=“none“][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_column_text]\r\n

Zm\u011bny parametr\u016f \u00fav\u011br\u016f od 1.4.2022<\/span><\/h2>\r\n

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C\u030cesko se poty\u0301ka\u0301 s rekordni\u0301 inflaci\u0301 a zdraz\u030cova\u0301ni\u0301m pu\u030ajc\u030cek na bydleni\u0301. Inflace na zac\u030ca\u0301tku roku vystoupala na u\u0301roven\u030c te\u0301me\u030cr\u030c 7%<\/strong>. To je nejvi\u0301ce za posledni\u0301ch 14 let. A oc\u030ceka\u0301va\u0301 se, z\u030ce jeji\u0301 ru\u030ast mu\u030az\u030ce pokrac\u030covat az\u030c k 10%. C\u030ceska\u0301 na\u0301rodni\u0301 banka (C\u030cNB) na nezdravy\u0301 vy\u0301voj ekonomiky reaguje zvys\u030cova\u0301ni\u0301m u\u0301rokovy\u0301ch sazeb. To zdraz\u030cuje i hypote\u0301ky, jejichz\u030c sazba by se letos podle odhadu\u030a analytiku\u030a mohla dostat az\u030c na u\u0301roven\u030c 5\u20136%<\/strong>.<\/p>\r\n

Dne 1. 8. 2021 jiz\u030c C\u030cNB podle schva\u0301lene\u0301ho za\u0301kona mu\u030az\u030ce urc\u030covat hypotec\u030cni\u0301 limity vpr\u030ci\u0301pade\u030c, z\u030ce bude hrozit syste\u0301move\u0301 riziko pro financ\u030cni\u0301 stabilitu voblasti poskytova\u0301ni\u0301 hypote\u0301k.Tyto limity mohly by\u0301t dosud urc\u030ceny pouze formou doporuc\u030ceni\u0301. Moz\u030cnost urc\u030cit limity hypotec\u030cni\u0301ch u\u0301ve\u030cru\u030a a vyz\u030cadovat jejich plne\u030cni\u0301 \u2013 nove\u030c te\u0301z\u030c pra\u0301vne\u030c \u2013 za\u0301vaznou formou umoz\u030cni\u0301 C\u030cNB mj. udrz\u030cet rovne\u0301 podmi\u0301nky na hypotec\u030cni\u0301m trhu pro tuzemske\u0301 i pr\u030ceshranic\u030cni\u0301 poskytovatele.<\/p>\r\n

Pokud uvaz\u030cujete o koupi bytu na u\u0301ve\u030cr, doporuc\u030cuji neva\u0301hat. Od 1. dubna 2022 zac\u030cnou platit nova\u0301 nar\u030ci\u0301zeni\u0301 C\u030cNB<\/strong>, kdy z\u030cadatele\u0301 o hypotec\u030cni\u0301 u\u0301ve\u030cr budou muset spln\u030covat r\u030cadu u\u0301ve\u030crovy\u0301ch ukazatelu\u030a. Hypote\u0301ky budou tedy nejen draz\u030cs\u030ci\u0301, ale ihu\u030ar\u030ce dostupne\u0301. Jake\u0301 zme\u030cny se chystaji\u0301 ajaky\u0301 to bude mi\u0301t dopad na z\u030cadatele o hypote\u0301ky, ukazuje na\u0301sleduji\u0301ci\u0301 text.<\/p>\r\n

Ukazatel LTV<\/strong> pr\u030cedstavuje procentni\u0301 pome\u030cr mezi vy\u0301s\u030ci\u0301 u\u0301ve\u030cru a hodnotou zastavene\u0301 nemovitosti. V souc\u030casne\u0301 dobe\u030c je moz\u030cne\u0301 si pu\u030ajc\u030cit az\u030c 90% hodnoty nemovitosti, od dubna 2022 to pu\u030ajde jen do vy\u0301s\u030ce 80<\/strong>%<\/strong> (u lidi\u0301 ve ve\u030cku do 36 let, kter\u030ci\u0301 si por\u030cizuji\u0301 vlastni\u0301 bydleni\u0301, zu\u030asta\u0301va\u0301 90%). V praxi to tedy znamena\u0301, z\u030ce budete potr\u030cebovat vys\u030cs\u030ci\u0301 objem vlastni\u0301ch u\u0301spor.<\/p>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n

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Pr\u030ci\u0301klad:<\/em> V souc\u030casne\u0301 dobe\u030c va\u0301m na por\u030ci\u0301zeni\u0301 bytu v hodnote\u030c 5 000 000 Kc\u030c stac\u030ci\u0301 500 000 Kc\u030c vlastni\u0301ch zdroju\u030a, od dubna 2022 budete potr\u030cebovat minima\u0301lne\u030c 1 000 000 Kc\u030c.<\/p>\r\n

Ukazatel DTI<\/strong> je pome\u030cr vy\u0301s\u030ce celkove\u0301ho zadluz\u030ceni\u0301 z\u030cadatele o u\u0301ve\u030cr a vy\u0301s\u030ce jeho c\u030ciste\u0301ho roc\u030cni\u0301ho pr\u030ci\u0301jmu. Nyni\u0301 z\u030ca\u0301dne\u0301 takove\u0301 omezeni\u0301 platne\u0301 neni\u0301, od dubna 2022 C\u030cNB nastavila tento ukazatel na 8,5 (u z\u030cadatelu\u030a do 36 let na 9,5). Od dubna si tak budete moci vzi\u0301t hypote\u0301ku jen do vy\u0301s\u030ce 8,5 (9,5) na\u0301sobku c\u030ciste\u0301ho roc\u030cni\u0301ho pr\u030ci\u0301jmu.<\/p>\r\n

Pr\u030ci\u0301klad:<\/em> Za\u0301jemce s pru\u030ame\u030crny\u0301m pr\u030ci\u0301jmem okolo 35 000 Kc\u030c c\u030ciste\u0301ho si tedy bude moci vzi\u0301t hypote\u0301ku maxima\u0301lne\u030c ve vy\u0301s\u030ci 8,5 x 35 000 Kc\u030c x 12, tedy 3 570 000 Kc\u030c.<\/p>\r\n

Ukazatel DSTI<\/strong> je procentni\u0301m vyja\u0301dr\u030ceni\u0301m podi\u0301lu me\u030csi\u0301c\u030cni\u0301ch pru\u030ame\u030crny\u0301ch vy\u0301daju\u030a z\u030cadatele o u\u0301ve\u030cr vyply\u0301vaji\u0301ci\u0301ch z jeho celkove\u0301ho zadluz\u030ceni\u0301 (tzv. dluhova\u0301 sluz\u030cba) na jeho me\u030csi\u0301c\u030cni\u0301m c\u030ciste\u0301m pr\u030ci\u0301jmu. C\u030cNB stanovila od dubna 2022 tento ukazatel na 45% (50% pro z\u030cadatele do 36 let). Celkova\u0301 spla\u0301tka vs\u030cech u\u0301ve\u030cru\u030a tak bude moci dosahovat maxima\u0301lne\u030c 45% (50%) c\u030ciste\u0301ho me\u030csi\u0301c\u030cni\u0301ho pr\u030ci\u0301jmu.<\/p>\r\n

Pr\u030ci\u0301klad:<\/em> Pr\u030ci pru\u030ame\u030crne\u0301 c\u030ciste\u0301 me\u030csi\u0301c\u030cni\u0301 mzde\u030c 35 000 Kc\u030c \/ me\u030csi\u0301c bude moz\u030cne\u0301 naves\u030ckere\u0301 spla\u0301tky me\u030csi\u0301c\u030cni\u0301ch u\u0301ve\u030cru\u030a vynaloz\u030cit maxima\u0301lne\u030c 15 750Kc\u030c. Pr\u030ci souc\u030casne\u0301 u\u0301rokove\u0301 sazbe\u030c okolo 4,29% p. a. to znamena\u0301 hypote\u0301ku maxima\u0301lne\u030c ve vy\u0301s\u030ci 3 180 000 Kc\u030c. Krome\u030c vy\u0301s\u030ce uvedeny\u0301ch ukazatelu\u030a se ale budou vlivem opatr\u030ceni\u0301 C\u030cNB zvys\u030covat i u\u0301rokove\u0301 sazby. V pr\u030ci\u0301pade\u030c na\u0301ru\u030astu az\u030c na zmin\u030covany\u0301ch 6 % p. a. by byl na hypote\u0301ku ve vy\u0301s\u030ci 3 180 000 Kc\u030c potr\u030ceba c\u030cisty\u0301 pr\u030ci\u0301jem 42 500 Kc\u030c, tedy o te\u0301me\u030cr\u030c 7,5 tisi\u0301c vi\u0301ce.<\/p>\r\n

I pr\u030cesto, z\u030ce u\u0301rokove\u0301 sazby jiz\u030c ne\u030ckolik me\u030csi\u0301cu\u030a v r\u030cade\u030c rostou, se sta\u0301le pohybuji\u0301 hluboko pod u\u0301rovni\u0301 inflace. Ta aktua\u0301lne\u030c dosahuje 11,1% (\u00fanor 2022) \u00a0a oc\u030ceka\u0301va\u0301 se jeji\u0301 dals\u030ci\u0301 ru\u030ast. Investice do koupe\u030c nove\u0301ho bytu budou tak inada\u0301le jedni\u0301m z nejleps\u030ci\u0301ch a nejbezpec\u030cne\u030cjs\u030ci\u0301ch prostr\u030cedku\u030a, jak ochra\u0301nit nas\u030cetr\u030cene\u0301 peni\u0301ze pr\u030ced znehodnoceni\u0301m inflaci\u0301. Na spor\u030cici\u0301ch u\u0301c\u030ctech se totiz\u030c u\u0301roky pohybuji\u0301 maxima\u0301lne\u030c kolem 3 %, tedy vy\u0301razne\u030c pod u\u0301rovni\u0301 inflace (Airbank, Equabank)\u00a0<\/p>\r\n

Hypote\u0301ky jsou proto sta\u0301le vy\u0301hodny\u0301m zpu\u030asobem financova\u0301ni\u0301 nemovitosti. Nabi\u0301zi\u0301 navi\u0301c r\u030ces\u030ceni\u0301 i pro ty, kdo nemaji\u0301 nas\u030cetr\u030ceno na celou nemovitost. Na koupi nove\u0301 nemovitosti Va\u0301m stac\u030ci\u0301 jen 10% z celkove\u0301 ceny. Por\u030ci\u0301zeni\u0301m nove\u0301 nemovitosti navi\u0301c r\u030ces\u030ci\u0301te dva proble\u0301my najednou. Zleps\u030ci\u0301te si svou bytovou situaci a za\u0301roven\u030c ochra\u0301ni\u0301te sve\u0301 u\u0301spory pr\u030ced znehodnoceni\u0301m. Nemovitosti jsou totiz\u030c pra\u0301vem dlouhodobe\u030c vni\u0301ma\u0301ny jako idea\u0301lni\u0301 prostr\u030cedek pro ochranu u\u0301spor pr\u030ced inflaci\u0301 \u2013 jejich hodnota v dlouhodobe\u0301m horizontu neusta\u0301le roste a jsou navi\u0301c velmi likvidni\u0301 \u2013 snadno a rychle prodejne\u0301, pr\u030cedevs\u030ci\u0301m pak v dnes\u030cni\u0301 dobe\u030c, kdy je velky\u0301 pr\u030cevis popta\u0301vky nad nabi\u0301dkou.<\/p>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=“in_container“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ overlay_strength=“0.3″ shape_divider_position=“bottom“ bg_image_animation=“none“][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“1185″ alignment=“center“ animation=“None“ img_link_target=“_blank“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“ img_link=“https:\/\/www.jiri-kovar.cz\/index.php\/kontakt\/“][\/vc_column][\/vc_row][vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ overlay_strength=“0.3″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“774″ alignment=“right“ animation=“None“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“][\/vc_column][\/vc_row]","protected":false},"excerpt":{"rendered":"

[vc_row type=“in_container“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ overlay_strength=“0.3″ shape_divider_position=“bottom“ bg_image_animation=“none“][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_column_text] Zm\u011bny parametr\u016f \u00fav\u011br\u016f od 1.4.2022…<\/p>\n","protected":false},"author":2,"featured_media":1479,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[8],"tags":[10],"class_list":{"0":"post-1161","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-uvery","8":"tag-hypotecni-uver"},"_links":{"self":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts\/1161"}],"collection":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/comments?post=1161"}],"version-history":[{"count":7,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts\/1161\/revisions"}],"predecessor-version":[{"id":1246,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts\/1161\/revisions\/1246"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/media\/1479"}],"wp:attachment":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/media?parent=1161"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/categories?post=1161"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/tags?post=1161"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}