{"id":1456,"date":"2023-07-01T11:26:50","date_gmt":"2023-07-01T09:26:50","guid":{"rendered":"https:\/\/www.jiri-kovar.cz\/?p=1456"},"modified":"2024-01-26T08:01:57","modified_gmt":"2024-01-26T07:01:57","slug":"zrusenim-dsti-jde-cnb-naproti-zajemcum-o-hypoteku-i-trhu","status":"publish","type":"post","link":"https:\/\/www.jiri-kovar.cz\/index.php\/2023\/07\/01\/zrusenim-dsti-jde-cnb-naproti-zajemcum-o-hypoteku-i-trhu\/","title":{"rendered":"Zru\u0161en\u00edm DSTI jde \u010cNB naproti z\u00e1jemc\u016fm o hypot\u00e9ku i trhu"},"content":{"rendered":"

Zru\u0161en\u00edm DSTI jde \u010cNB naproti z\u00e1jemc\u016fm o hypot\u00e9ku i trhu<\/strong><\/p>\n

\u010cesk\u00e1 n\u00e1rodn\u00ed banka (\u010cNB) ned\u00e1vno ozn\u00e1mila zru\u0161en\u00ed pravidla DSTI (Debt Service-to-Income Ratio), kter\u00e9 omezovalo pom\u011br spl\u00e1tek hypot\u00e9ky k p\u0159\u00edjmu \u017eadatele. Tato zm\u011bna p\u0159edstavuje d\u016fle\u017eit\u00fd krok sm\u011brem k v\u011bt\u0161\u00ed flexibilit\u011b a p\u0159\u00edstupnosti hypot\u00e9k pro z\u00e1jemce na trhu. Zru\u0161en\u00ed DSTI m\u00e1 potenci\u00e1l ovlivnit jak \u017eadatele, tak i samotn\u00fd trh s hypot\u00e9kami.<\/p>\n

Stav p\u0159ed zru\u0161en\u00edm DSTI:<\/strong><\/p>\n

DSTI bylo pravidlo, kter\u00e9 stanovovalo maxim\u00e1ln\u00ed pom\u011br mezi m\u011bs\u00ed\u010dn\u00edmi spl\u00e1tkami hypot\u00e9ky a hrub\u00fdm m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmem \u017eadatele. Tento pom\u011br byl omezen na ur\u010dit\u00fd procentn\u00ed pod\u00edl, \u010d\u00edm\u017e m\u011bl slou\u017eit jako ochrana p\u0159ed nadm\u011brn\u00fdm zadlu\u017een\u00edm. Bylo to jedno z hlavn\u00edch krit\u00e9ri\u00ed, kter\u00e1 banky p\u0159i posuzov\u00e1n\u00ed hypote\u010dn\u00edch \u017e\u00e1dost\u00ed braly v \u00favahu.<\/p>\n

V\u00fdhody zru\u0161en\u00ed DSTI:<\/strong><\/p>\n

Zru\u0161en\u00ed DSTI p\u0159in\u00e1\u0161\u00ed n\u011bkolik v\u00fdhod pro z\u00e1jemce o hypot\u00e9ky i pro samotn\u00fd trh. Prvn\u00ed v\u00fdhodou je v\u011bt\u0161\u00ed flexibilita p\u0159i stanovov\u00e1n\u00ed spl\u00e1tek a p\u0159\u00edstupu k hypot\u00e9k\u00e1m. Z\u00e1jemci budou m\u00edt v\u011bt\u0161\u00ed svobodu rozhodovat o v\u00fd\u0161i spl\u00e1tek, co\u017e m\u016f\u017ee zv\u00fd\u0161it dostupnost hypot\u00e9k pro \u0161ir\u0161\u00ed spektrum \u017eadatel\u016f. T\u00edm se zvy\u0161uje konkurence na trhu a potenci\u00e1ln\u011b se mohou sn\u00ed\u017eit \u00farokov\u00e9 sazby.<\/p>\n

Dopad na trh s hypot\u00e9kami:<\/strong><\/p>\n

Zru\u0161en\u00ed DSTI m\u016f\u017ee m\u00edt v\u00fdznamn\u00fd dopad na trh s hypot\u00e9kami. Sn\u00ed\u017een\u00e9 omezen\u00ed pom\u011bru spl\u00e1tek k p\u0159\u00edjmu m\u016f\u017ee p\u0159il\u00e1kat v\u00edce z\u00e1jemc\u016f, kte\u0159\u00ed by jinak nebyli schopni splnit podm\u00ednky DSTI. T\u00edm se m\u016f\u017ee zv\u00fd\u0161it popt\u00e1vka po hypot\u00e9k\u00e1ch a p\u0159isp\u011bt k r\u016fstu trhu. Banky se tak\u00e9 mohou zam\u011b\u0159it na inovativn\u00ed produkty a slu\u017eby, aby oslovily \u0161ir\u0161\u00ed skupinu klient\u016f.<\/p>\n

Z\u00e1v\u011br:<\/strong><\/p>\n

Zru\u0161en\u00ed DSTI \u010cNB p\u0159in\u00e1\u0161\u00ed z\u00e1jemc\u016fm o hypot\u00e9ky v\u00fdhody v podob\u011b v\u011bt\u0161\u00ed flexibility a p\u0159\u00edstupnosti. To m\u016f\u017ee m\u00edt pozitivn\u00ed dopad na trh s hypot\u00e9kami, zv\u00fd\u0161it konkurenci a p\u0159in\u00e9st nov\u00e9 mo\u017enosti pro z\u00e1jemce. Nicm\u00e9n\u011b je d\u016fle\u017eit\u00e9, aby \u017eadatel\u00e9 st\u00e1le zodpov\u011bdn\u011b zva\u017eovali svou schopnost spl\u00e1cet hypot\u00e9ku a pe\u010dliv\u011b pl\u00e1novali sv\u00e9 finan\u010dn\u00ed z\u00e1vazky.<\/p>\n[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]\n","protected":false},"excerpt":{"rendered":"

Zru\u0161en\u00edm DSTI jde \u010cNB naproti z\u00e1jemc\u016fm o hypot\u00e9ku i trhu \u010cesk\u00e1 n\u00e1rodn\u00ed banka (\u010cNB) ned\u00e1vno ozn\u00e1mila zru\u0161en\u00ed pravidla DSTI (Debt Service-to-Income Ratio), kter\u00e9 omezovalo pom\u011br spl\u00e1tek hypot\u00e9ky k p\u0159\u00edjmu \u017eadatele….<\/p>\n","protected":false},"author":2,"featured_media":1472,"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-1456","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\/1456"}],"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=1456"}],"version-history":[{"count":1,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts\/1456\/revisions"}],"predecessor-version":[{"id":1457,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts\/1456\/revisions\/1457"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/media\/1472"}],"wp:attachment":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/media?parent=1456"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/categories?post=1456"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/tags?post=1456"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}