[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dragsters.cz\/uroky-v-roce-2020\/#Article","mainEntityOfPage":"https:\/\/www.dragsters.cz\/uroky-v-roce-2020\/","headline":"\u00daroky v roce 2020","name":"\u00daroky v roce 2020","description":"V uplynul\u00e9m roce se pohybovaly \u00faroky za sjedn\u00e1n\u00ed hypot\u00e9ky kolem 2 %, co\u017e je oproti rok\u016fm minul\u00fdm pom\u011brn\u011b v\u00fdhodn\u00e9. Zjistil to v\u00fdzkum Fincentrum Hypoindex. Dosud byly rekordn\u00ed roky 2016 a 2017. \u010ce\u0161i si celkov\u011b vzali o 40 % v\u00edce hypot\u00e9k podle spole\u010dnosti Fincentrum. Podle statistik narostly oproti lo\u0148sk\u00e9mu roku o 35 % i \u00fav\u011bry na […]","datePublished":"2021-03-16","dateModified":"2023-08-17","author":{"@type":"Person","@id":"https:\/\/www.dragsters.cz\/author\/#Person","name":"","url":"https:\/\/www.dragsters.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2b882a21216b34ba28e79730eea9356b725e9a0bf9885ae3bedd792ae606fb10?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2b882a21216b34ba28e79730eea9356b725e9a0bf9885ae3bedd792ae606fb10?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dragsters.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dragsters.cz\/wp-content\/uploads\/dragsters_RXH6iC.jpg","url":"https:\/\/www.dragsters.cz\/wp-content\/uploads\/dragsters_RXH6iC.jpg","height":0,"width":0},"url":"https:\/\/www.dragsters.cz\/uroky-v-roce-2020\/","about":["Finance"],"wordCount":380,"articleBody":"      V uplynul\u00e9m roce se pohybovaly \u00faroky za sjedn\u00e1n\u00ed hypot\u00e9ky kolem 2 %, co\u017e je oproti rok\u016fm minul\u00fdm pom\u011brn\u011b v\u00fdhodn\u00e9. Zjistil to v\u00fdzkum Fincentrum Hypoindex. Dosud byly rekordn\u00ed roky 2016 a 2017. \u010ce\u0161i si celkov\u011b vzali o 40 % v\u00edce hypot\u00e9k podle spole\u010dnosti Fincentrum. Podle statistik narostly oproti lo\u0148sk\u00e9mu roku o 35 % i \u00fav\u011bry na stavebn\u00ed spo\u0159en\u00ed okolo 65 miliard korun  Pr\u016fm\u011brn\u00e1 hypot\u00e9ka  Z \u00fadaj\u016f finan\u010dn\u00edch spole\u010dnost\u00ed vypl\u00fdv\u00e1, \u017ee si lid\u00ed sjednali p\u016fj\u010dky o pr\u016fm\u011brn\u00e9 hodnot\u011b 3 000 000 korun. Lid\u00e9 si tak sjedn\u00e1vali vy\u0161\u0161\u00ed \u00fav\u011bry ne\u017e v roce p\u0159edchoz\u00edm, kdy se jednalo o cca 2,6 milionu korun. Odv\u00edj\u00ed se to i od skute\u010dnosti ceny nemovitost\u00ed i inflace, kter\u00e9 pr\u016fb\u011b\u017en\u011b rostou. P\u0159ed 20 lety si \u010dlov\u011bk po\u0159\u00eddil za 1 milion korun byt 2+kk. Dnes za 1 milion korun nepo\u0159\u00edd\u00ed v Praze ani garsonku.   Velk\u00e1 popt\u00e1vka a neust\u00e1l\u00e9 zdra\u017eov\u00e1n\u00ed nemovitost\u00ed  Zku\u0161enosti z praxe specialist\u016f na hypot\u00e9ky je, \u017ee i p\u0159es koronavirovou ekonomickou krizi z\u016fst\u00e1v\u00e1 n\u00e1r\u016fst pr\u016fm\u011brn\u00e9 v\u00fd\u0161e hypot\u00e9k. Byt\u016f se stav\u00ed tak\u00e9 m\u00e9n\u011b ale popt\u00e1vka z\u016fst\u00e1v\u00e1. Trh s hypot\u00e9kami zareagoval b\u011bhem epidemie koronaviru tak, \u017ee od b\u0159ezna, kdy \u010dinily 2,5 % za\u010daly klesat \u00farokov\u00e9 sazby za \u00fav\u011bry na bydlen\u00ed a\u017e na aktu\u00e1ln\u00ed \u00faroky hypot\u00e9k 1,96 % za \u00fav\u011br. R\u016fzn\u00ed bankovn\u00ed ekonomov\u00e9 o\u010dek\u00e1vaj\u00ed, \u017ee b\u011bhem roku 2021 za\u010dnou sazby za hypot\u00e9ky a nebankovn\u00ed p\u016fj\u010dky zase postupn\u011b r\u016fst. Mo\u017en\u00e9 je, \u017ee dojde i k r\u016fstu sazeb od \u010cNB.  Historicky nejni\u017e\u0161\u00ed hypot\u00e9ky asi nebudou p\u0159ekonan\u00e9  Dosud nejni\u017e\u0161\u00ed hodnota \u00fav\u011brov\u00e9 sazby hypot\u00e9k byla na konci roku 2016, a to 1,77 % Vzhledem k situaci se d\u00e1 ale p\u0159edpokl\u00e1dat, \u017ee banky budou m\u011bnit podm\u00ednky z\u00edsk\u00e1n\u00ed hypot\u00e9ky a zp\u0159\u00edsn\u00ed. Pro skupinu lid\u00ed, kte\u0159\u00ed nedos\u00e1hnou na hypot\u00e9ku je v\u011bt\u0161\u00ed \u0161ance z\u00edskat finance nav\u00edc pomoc\u00ed p\u016fj\u010dky bez registru nebo na firmu p\u016fj\u010dky pro \u017eivnostn\u00edky. P\u0159i specifick\u00fdch situac\u00edch, kdy je na nemovitost exekuce, se vyu\u017e\u00edv\u00e1 zp\u011btn\u00fd odkup nemovitosti.                                                                                                                                                                                                                                                                                                                                                                                          5\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u00daroky v roce 2020","item":"https:\/\/www.dragsters.cz\/uroky-v-roce-2020\/#breadcrumbitem"}]}]