{"id":1489,"date":"2023-11-30T11:45:32","date_gmt":"2023-11-30T10:45:32","guid":{"rendered":"https:\/\/www.jiri-kovar.cz\/?p=1489"},"modified":"2024-01-26T08:02:47","modified_gmt":"2024-01-26T07:02:47","slug":"cnb-rozvolnila-pravidla-pro-poskytovani-uveru","status":"publish","type":"post","link":"https:\/\/www.jiri-kovar.cz\/index.php\/2023\/11\/30\/cnb-rozvolnila-pravidla-pro-poskytovani-uveru\/","title":{"rendered":"\u010cNB Rozvolnila Pravidla pro Poskytov\u00e1n\u00ed \u00dav\u011br\u016f"},"content":{"rendered":"

Zm\u011bny v Hypote\u010dn\u00edm Trhu: \u010cNB Rozvolnila Pravidla pro Poskytov\u00e1n\u00ed \u00dav\u011br\u016f<\/strong><\/p>\n

\u010cesk\u00e1 n\u00e1rodn\u00ed banka (\u010cNB) ozn\u00e1mila p\u0159evratn\u00e9 zm\u011bny v oblasti hypote\u010dn\u00edch \u00fav\u011br\u016f, kter\u00e9 vstoup\u00ed v platnost od ledna p\u0159\u00ed\u0161t\u00edho roku. Nejv\u00fdrazn\u011bj\u0161\u00ed novinkou je odstran\u011bn\u00ed limitu maxim\u00e1ln\u00ed v\u00fd\u0161e celkov\u00e9ho dluhu \u017eadatele v\u016f\u010di jeho ro\u010dn\u00edmu p\u0159\u00edjmu (DTI), \u010d\u00edm\u017e se otev\u00edraj\u00ed dve\u0159e pro \u0161ir\u0161\u00ed spektrum z\u00e1jemc\u016f.<\/p>\n

Rozhodnut\u00ed \u010cNB reflektuje d\u016fkladn\u00e9 zhodnocen\u00ed v\u00fdvoje finan\u010dn\u00edho cyklu a celkov\u00e9 odolnosti bankovn\u00edho sektoru. Od \u010dervence tohoto roku \u010cNB neuplat\u0148uje limit v\u00fd\u0161e spl\u00e1tek dluhu k \u010dist\u00e9mu m\u011bs\u00ed\u010dn\u00edmu p\u0159\u00edjmu (DSTI), co\u017e poskytuje klient\u016fm v\u011bt\u0161\u00ed flexibilitu.<\/p>\n

Limit Loan to Value (LTV), tedy v\u00fd\u0161e hypote\u010dn\u00edho \u00fav\u011bru v\u016f\u010di hodnot\u011b zastaven\u00e9 nemovitosti, z\u016fst\u00e1v\u00e1 beze zm\u011bn. Pro \u017eadatele do 36 let banky poskytuj\u00ed a\u017e 90%\u00a0 <\/span>financov\u00e1n\u00ed z hodnoty nemovitosti, zat\u00edmco pro ostatn\u00ed z\u016fst\u00e1v\u00e1 na \u00farovni 80%.<\/p>\n

Tyto inovace poskytuj\u00ed ide\u00e1ln\u00ed okno p\u0159\u00edle\u017eitost\u00ed pro z\u00e1jemce o hypote\u010dn\u00ed \u00fav\u011br. Tato doba je pro financov\u00e1n\u00ed velice turbulentn\u00ed. Pokud m\u00e1te ot\u00e1zky nebo pot\u0159ebujete poradit ohledn\u011b hypote\u010dn\u00edho \u00fav\u011bru, nev\u00e1hejte m\u011b kontaktovat. Va\u0161e spokojenost a finan\u010dn\u00ed pohoda jsou pro m\u011b prioritou!<\/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":"

Zm\u011bny v Hypote\u010dn\u00edm Trhu: \u010cNB Rozvolnila Pravidla pro Poskytov\u00e1n\u00ed \u00dav\u011br\u016f \u010cesk\u00e1 n\u00e1rodn\u00ed banka (\u010cNB) ozn\u00e1mila p\u0159evratn\u00e9 zm\u011bny v oblasti hypote\u010dn\u00edch \u00fav\u011br\u016f, kter\u00e9 vstoup\u00ed v platnost od ledna p\u0159\u00ed\u0161t\u00edho roku. Nejv\u00fdrazn\u011bj\u0161\u00ed…<\/p>\n","protected":false},"author":2,"featured_media":1471,"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-1489","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\/1489"}],"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=1489"}],"version-history":[{"count":2,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts\/1489\/revisions"}],"predecessor-version":[{"id":1496,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts\/1489\/revisions\/1496"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/media\/1471"}],"wp:attachment":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/media?parent=1489"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/categories?post=1489"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/tags?post=1489"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}