[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.demkovic.cz\/kdo-na-to-ma\/#Article","mainEntityOfPage":"https:\/\/www.demkovic.cz\/kdo-na-to-ma\/","headline":"Kdo na to m\u00e1?","name":"Kdo na to m\u00e1?","description":"\u010cesk\u00e1 n\u00e1rodn\u00ed banka v posledn\u00edch letech opakovan\u011b doporu\u010dovala p\u0159itvrdit a v d\u016fsledku t\u011bchto doporu\u010den\u00ed do\u0161lo v posledn\u00edch t\u0159ech letech u\u017e n\u011bkolikr\u00e1t k regulaci podm\u00ednek t\u00fdkaj\u00edc\u00edch se hypot\u00e9k. Hypot\u00e9\u010dn\u00ed trh byl na jej\u00ed doporu\u010den\u00ed „se\u0161n\u011brov\u00e1n“ a dosp\u011blo to a\u017e do dne\u0161n\u00ed situace, kdy d\u00e1vaj\u00ed […]","datePublished":"2023-05-06","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.demkovic.cz\/author\/#Person","name":"","url":"https:\/\/www.demkovic.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/06473a178d94fb830b46e277369729e9534f2612e261ec2f1ee96b672ef473e2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/06473a178d94fb830b46e277369729e9534f2612e261ec2f1ee96b672ef473e2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"demkovic.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.demkovic.cz\/wp-content\/uploads\/img_a336919_w2651_t1550230310.jpg","url":"https:\/\/www.demkovic.cz\/wp-content\/uploads\/img_a336919_w2651_t1550230310.jpg","height":0,"width":0},"url":"https:\/\/www.demkovic.cz\/kdo-na-to-ma\/","about":["Ekonomika"],"wordCount":626,"articleBody":"\u010cesk\u00e1 n\u00e1rodn\u00ed banka v posledn\u00edch letech opakovan\u011b doporu\u010dovala p\u0159itvrdit a v d\u016fsledku t\u011bchto doporu\u010den\u00ed do\u0161lo v posledn\u00edch t\u0159ech letech u\u017e n\u011bkolikr\u00e1t k regulaci podm\u00ednek t\u00fdkaj\u00edc\u00edch se hypot\u00e9k.\tHypot\u00e9\u010dn\u00ed trh byl na jej\u00ed doporu\u010den\u00ed „se\u0161n\u011brov\u00e1n“ a dosp\u011blo to a\u017e do dne\u0161n\u00ed situace, kdy d\u00e1vaj\u00ed banky tyto \u00fav\u011bry na bydlen\u00ed sp\u00ed\u0161e z\u00e1mo\u017en\u011bj\u0161\u00edm lidem.\t\tPodle \u010cNB m\u00e1 tento v\u00fdvoj jednozna\u010dn\u00fd a logick\u00fd d\u016fvod. Jde o snahu zabr\u00e1nit p\u0159\u00edli\u0161n\u00e9mu zadlu\u017eov\u00e1n\u00ed \u010desk\u00fdch dom\u00e1cnost\u00ed.\t\u010cesk\u00e9 n\u00e1rodn\u00ed bance jde o to, abychom v na\u0161\u00ed spole\u010dnosti nem\u011bli p\u0159\u00edli\u0161 mnoho lid\u00ed, kte\u0159\u00ed by v p\u0159\u00edpad\u011b zhor\u0161en\u00ed ekonomick\u00e9 situace p\u0159estali zvl\u00e1dat spl\u00e1cen\u00ed a dostali se do dluhov\u00e9 spir\u00e1ly.\tJde j\u00ed o lidi? Jakkoliv by to tak na prvn\u00ed pohled vypadalo, nikoliv. \u010cesk\u00e9 n\u00e1rodn\u00ed bance jde p\u0159i t\u011bchto rozhodnut\u00edch o zabr\u00e1n\u011bn\u00ed n\u011b\u010demu jin\u00e9mu. Kdyby toti\u017e m\u011bli na\u0161i lid\u00e9 p\u0159\u00edli\u0161n\u00e9 dluhy, museli by omezit ostatn\u00ed v\u00fddaje, dop\u0159\u00e1vali by si m\u00e9n\u011b zbo\u017e\u00ed a slu\u017eeb, to by po\u0161kodilo mal\u00e9 firmy a p\u0159es n\u011b by se to dotklo cel\u00e9 na\u0161\u00ed ekonomiky.\t\tA tak jsou hypot\u00e9ky vlivem doporu\u010den\u00ed \u010cNB m\u00e9n\u011b dostupn\u00e9 ne\u017e d\u0159\u00edve. Zat\u00edmco p\u0159ed t\u0159emi lety dostal hypot\u00e9ku t\u00e9m\u011b\u0159 ka\u017ed\u00fd, dnes je to slo\u017eit\u011bj\u0161\u00ed. Abyste z\u00edskali hypot\u00e9ku dnes, mus\u00edte:\t1)      M\u00edt vlastn\u00ed \u00faspory ve v\u00fd\u0161i aspo\u0148 dvaceti procent odhadn\u00ed hodnoty po\u0159izovan\u00e9 nemovitosti, na\u010de\u017e banka p\u016fj\u010d\u00ed zbytek.\t2)      M\u00edt pen\u00edze na \u010dty\u0159procentn\u00ed da\u0148 z po\u0159\u00edzen\u00ed nemovitosti, je\u017e n\u011bkdy lze zahrnout do hypot\u00e9ky.\t3)      Dolo\u017eit, \u017ee m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka v\u0161ech va\u0161ich \u00fav\u011br\u016f nep\u0159es\u00e1hne 45 % va\u0161eho p\u0159\u00edjmu.\t4)      Dolo\u017eit, \u017ee va\u0161e celkov\u00e9 zadlu\u017een\u00ed nebude vy\u0161\u0161\u00ed ne\u017e dev\u00edtin\u00e1sobek va\u0161eho \u010dist\u00e9ho ro\u010dn\u00edho p\u0159\u00edjmu.\tJist\u011b, banky mohou v n\u011bkter\u00fdch p\u0159\u00edpadech uveden\u00e9 limity p\u0159ekro\u010dit, ud\u011blat v\u00fdjimku. Ov\u0161em mohou tak u\u010dinit u nanejv\u00fd\u0161 p\u011bti procent poskytnut\u00fdch \u00fav\u011br\u016f a od osmdes\u00e1ti do devades\u00e1ti procent hodnoty nemovitosti sm\u00ed b\u00fdt poskytnuto jen u nanejv\u00fd\u0161 patn\u00e1cti procent ze v\u0161ech bankou poskytnut\u00fdch hypot\u00e9k.\tA co maj\u00ed d\u011blat lid\u00e9, kte\u0159\u00ed u\u017e na hypot\u00e9ku nedos\u00e1hnou? Pokud se ji nerozhodnou o\u017eelet, maj\u00ed na v\u00fdb\u011br z t\u011bchto mo\u017enost\u00ed:\t1)      Sehnat si spoludlu\u017en\u00edka, \u010d\u00edm\u017e se zv\u00fd\u0161\u00ed jejich bonita.\t2)      Koupit si levn\u011bj\u0161\u00ed nemovitost.\t3)      P\u016fj\u010dit si \u010d\u00e1st pen\u011bz jinde, dejme tomu od p\u0159\u00edbuzn\u00fdch.\t4)      Zastavit je\u0161t\u011b dal\u0161\u00ed ne\u017e jen tu kupovanou nemovitost.\t5)      Zkusit \u0161t\u011bst\u00ed v jin\u00e9 bance. Co kdyby n\u00e1hodou?\tProst\u011b se \u010cNB sna\u017e\u00ed, abychom nebyli moc zadlu\u017een\u00ed, abychom nem\u011bli probl\u00e9my. My lid\u00e9.\tOv\u0161em nen\u00ed mi zn\u00e1mo, \u017ee by podobn\u011b zakro\u010dovala i proti na\u0161\u00ed vl\u00e1d\u011b, proti st\u00e1tu. Kter\u00fd m\u00e1 u\u017e tak\u00e9 ohromn\u00e9 dluhy; a nic se ned\u011bje. \tI kdy\u017e p\u00ed\u0161i docela rychle, podle internetov\u00e9 kalkula\u010dky vzrostl b\u011bhem psan\u00ed tohoto \u010dl\u00e1nku ve\u0159ejn\u00fd dluh o 700 000 K\u010d.\tNem\u011bla by \u010cNB p\u0159itvrdit i tady?                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdo na to m\u00e1?","item":"https:\/\/www.demkovic.cz\/kdo-na-to-ma\/#breadcrumbitem"}]}]