{"id":1493,"date":"2023-11-01T10:52:58","date_gmt":"2023-11-01T09:52:58","guid":{"rendered":"https:\/\/www.jiri-kovar.cz\/?p=1493"},"modified":"2024-01-26T08:07:03","modified_gmt":"2024-01-26T07:07:03","slug":"novela-zmeny-v-predcasnem-splaceni-hypoteky","status":"publish","type":"post","link":"https:\/\/www.jiri-kovar.cz\/index.php\/2023\/11\/01\/novela-zmeny-v-predcasnem-splaceni-hypoteky\/","title":{"rendered":"Novela: Zm\u011bny v p\u0159ed\u010dasn\u00e9m splacen\u00ed hypot\u00e9ky"},"content":{"rendered":"

Novela o spot\u0159ebitelsk\u00e9m \u00fav\u011bru: Zm\u011bny v p\u0159ed\u010dasn\u00e9m splacen\u00ed hypot\u00e9ky a odraz na bankovn\u00edm sektoru<\/strong><\/p>\n

Ned\u00e1vno schv\u00e1len\u00e1 novela z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru nese v\u00fdznamn\u00e9 zm\u011bny, kter\u00e9 ovlivn\u00ed p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9k. Pod\u00edv\u00e1me se na kl\u00ed\u010dov\u00e9 aspekty t\u00e9to novely a zhodnot\u00edme, jak by to mohlo ovlivnit bankovn\u00ed sektor.<\/p>\n

Zdra\u017een\u00ed p\u0159ed\u010dasn\u00e9ho splacen\u00ed<\/b><\/p>\n

Jedn\u00edm z kl\u00ed\u010dov\u00fdch prvk\u016f novely je zv\u00fd\u0161en\u00ed poplatk\u016f za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky b\u011bhem fixa\u010dn\u00edho obdob\u00ed. Novela umo\u017e\u0148uje bank\u00e1m \u00fa\u010dtovat v\u00fdrazn\u011b vy\u0161\u0161\u00ed \u010d\u00e1stky ne\u017e d\u0159\u00edve, v\u010detn\u011b rozd\u00edlu mezi p\u016fvodn\u011b sjednanou sazbou a aktu\u00e1ln\u00ed pr\u016fm\u011brnou sazbou na trhu. Toto opat\u0159en\u00ed m\u00e1 b\u00fdt n\u00e1hradou za \u00fa\u010deln\u011b vynalo\u017een\u00e9 n\u00e1klady spojen\u00e9 s p\u0159ed\u010dasn\u00fdm splacen\u00edm.<\/p>\n

Roz\u0161\u00ed\u0159en\u00ed mo\u017enost\u00ed bezplatn\u00e9ho splacen\u00ed<\/b><\/p>\n

Na druhou stranu novela roz\u0161i\u0159uje okruh situac\u00ed, kdy lze hypot\u00e9ku p\u0159ed\u010dasn\u011b splatit bez sankc\u00ed. Krom\u011b konce fixa\u010dn\u00edho obdob\u00ed to zahrnuje prodej nemovitosti financovan\u00e9 hypot\u00e9kou a vypo\u0159\u00e1d\u00e1n\u00ed spole\u010dn\u00e9ho jm\u011bn\u00ed man\u017eel\u016f p\u0159i rozvodu, pokud se t\u00fdk\u00e1 nemovitosti spojen\u00e9 s \u00fav\u011brem na bydlen\u00ed.<\/p>\n

Platnost nov\u00fdch pravidel<\/b><\/p>\n

Zm\u011bny maj\u00ed za\u010d\u00edt platit od z\u00e1\u0159\u00ed 2024. To znamen\u00e1, \u017ee vstoup\u00ed v platnost dev\u00e1t\u00e9ho kalend\u00e1\u0159n\u00edho m\u011bs\u00edce n\u00e1sleduj\u00edc\u00edho po m\u011bs\u00edci, kdy bude novela zve\u0159ejn\u011bna ve Sb\u00edrce z\u00e1kon\u016f. Upozor\u0148uji, \u017ee nov\u00e1 pravidla se dotknou jak nov\u00fdch smluv, tak i t\u011bch st\u00e1vaj\u00edc\u00edch, ov\u0161em u t\u011bch existuj\u00edc\u00edch a\u017e od za\u010d\u00e1tku nov\u00e9 fixace, nejd\u0159\u00edve od z\u00e1\u0159\u00ed 2024.<\/p>\n

Odpov\u011bdnost bank a motivace za zm\u011bnami<\/b><\/p>\n

Debata se vedla o tom, zda jsou banky skute\u010dn\u011b po\u0161kozeny, kdy\u017e klient p\u0159ed\u010dasn\u011b spl\u00e1c\u00ed hypot\u00e9ku, a zda je \u00fasil\u00ed o \u00fapravu z\u00e1kona opr\u00e1vn\u011bn\u00e9. Banky argumentuj\u00ed, \u017ee pot\u0159ebuj\u00ed n\u00e1hradu za re\u00e1ln\u00e9 n\u00e1klady spojen\u00e9 s p\u0159ed\u010dasn\u00fdm splacen\u00edm, aby udr\u017eely svou finan\u010dn\u00ed stabilitu.<\/p>\n

Z\u00e1v\u011br<\/b><\/p>\n

O\u010dek\u00e1v\u00e1m, \u017ee tyto zm\u011bny budou m\u00edt v\u00fdrazn\u00fd dopad na klienty i banky. Pokud m\u00e1te dotazy nebo pot\u0159ebujete konzultaci ohledn\u011b t\u011bchto legislativn\u00edch zm\u011bn a jejich vlivu na va\u0161i situaci, nev\u00e1hejte m\u011b kontaktovat.<\/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":"

Novela o spot\u0159ebitelsk\u00e9m \u00fav\u011bru: Zm\u011bny v p\u0159ed\u010dasn\u00e9m splacen\u00ed hypot\u00e9ky a odraz na bankovn\u00edm sektoru Ned\u00e1vno schv\u00e1len\u00e1 novela z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru nese v\u00fdznamn\u00e9 zm\u011bny, kter\u00e9 ovlivn\u00ed p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9k. Pod\u00edv\u00e1me…<\/p>\n","protected":false},"author":2,"featured_media":1478,"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-1493","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\/1493"}],"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=1493"}],"version-history":[{"count":3,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts\/1493\/revisions"}],"predecessor-version":[{"id":1497,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts\/1493\/revisions\/1497"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/media\/1478"}],"wp:attachment":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/media?parent=1493"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/categories?post=1493"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/tags?post=1493"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}