[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.nebelvir.cz\/za-hypoteky-zaplatime-vice-ale-bude-snazsi-je-splatit\/#Article","mainEntityOfPage":"https:\/\/www.nebelvir.cz\/za-hypoteky-zaplatime-vice-ale-bude-snazsi-je-splatit\/","headline":"Za hypot\u00e9ky zaplat\u00edme v\u00edce, ale bude snaz\u0161\u00ed je splatit","name":"Za hypot\u00e9ky zaplat\u00edme v\u00edce, ale bude snaz\u0161\u00ed je splatit","description":"Nov\u00fd z\u00e1kon o poskytov\u00e1n\u00ed spot\u0159ebitelsk\u00e9ho \u00fav\u011bru ve\u0161el v platnost na konci roku 2016 a upravuje poskytov\u00e1n\u00ed \u00fav\u011br\u016f od Nov\u00e9ho roku. Z\u00a0toho d\u016fvodu by se spot\u0159ebitel\u00e9 m\u011bli p\u0159ipravit na n\u011bkolik podstatn\u00fdch zm\u011bn, i co se hypot\u00e9k t\u00fd\u010de. –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 M\u00e9n\u011b dostupn\u00e9, ale za vy\u0161\u0161\u00ed cenu Tomu se \u0159\u00edk\u00e1 v\u00fdhodn\u00e1 nab\u00eddka ve st\u00e1t\u011b ironie. Av\u0161ak nev\u011b\u0161me hned hlavu, […]","datePublished":"2023-04-28","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.nebelvir.cz\/author\/#Person","name":"nebelvir.cz\n","url":"https:\/\/www.nebelvir.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"nebelvir.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.nebelvir.cz\/za-hypoteky-zaplatime-vice-ale-bude-snazsi-je-splatit\/","about":["Pen\u00edze"],"wordCount":444,"articleBody":"Nov\u00fd z\u00e1kon o poskytov\u00e1n\u00ed spot\u0159ebitelsk\u00e9ho \u00fav\u011bru ve\u0161el v platnost na konci roku 2016 a upravuje poskytov\u00e1n\u00ed \u00fav\u011br\u016f od Nov\u00e9ho roku. Z\u00a0toho d\u016fvodu by se spot\u0159ebitel\u00e9 m\u011bli p\u0159ipravit na n\u011bkolik podstatn\u00fdch zm\u011bn, i co se hypot\u00e9k t\u00fd\u010de.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 M\u00e9n\u011b dostupn\u00e9, ale za vy\u0161\u0161\u00ed cenu Tomu se \u0159\u00edk\u00e1 v\u00fdhodn\u00e1 nab\u00eddka ve st\u00e1t\u011b ironie. Av\u0161ak nev\u011b\u0161me hned hlavu, tento z\u00e1kon m\u00e1 i svou v\u00fdhodu. D\u00e1 se \u0159\u00edci, \u017ee hypot\u00e9ky budou m\u00e9n\u011b dostupn\u00e9, a \u010d\u00edm v\u011bt\u0161\u00ed hypot\u00e9ka, t\u00edm men\u0161\u00ed bude \u0161ance, \u017ee ji na sebe dostanete. Tyto hypot\u00e9ky tak\u00e9 zdra\u017e\u00ed sv\u016fj \u00fav\u011br, av\u0161ak ten bude o n\u011bco jednodu\u0161\u0161\u00ed splatit.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Jak\u00fd m\u00e1 z\u00e1kon smysl? Kabinet si od tohoto z\u00e1kona slibuje zpomalen\u00ed cen nemovitost\u00ed, kter\u00e9 v\u00a0posledn\u00edm kvart\u00e1lu narostly do obludn\u00fdch v\u00fd\u0161in. Na n\u011bkter\u00fdch m\u00edstech stoupla cena byt\u016f za n\u011bkolik m\u011bs\u00edc\u016f a\u017e o dvacet procent \u2013 nap\u0159\u00edklad v\u00a0hlavn\u00edm m\u011bst\u011b \u010cesk\u00e9 republiky nyn\u00ed nese\u017eenete byt pod t\u0159i a p\u016fl milionu korun, a\u010dkoli je\u0161t\u011b loni byste si vysta\u010dili s necel\u00fdmi t\u0159emi miliony korun.\tCo je obsahem z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru pro rok 2017?Hlavn\u011b se jedn\u00e1 o novelu z\u00e1kona o hypot\u00e9k\u00e1ch, kter\u00e1 zakazuje poskytov\u00e1n\u00ed a\u017e sto procentn\u00edho \u00faroku. \u010cesk\u00e1 n\u00e1rodn\u00ed banka toto stanovisko vysv\u011btluje tak, \u017ee lid\u00e9, kte\u0159\u00ed dostali hypot\u00e9ku, ani\u017e by m\u011bli jak\u00e9koli vlastn\u00ed \u00faspory, se mohou v\u00a0budoucnosti dostat do t\u011b\u017ek\u00e9 finan\u010dn\u00ed situace a spl\u00e1cet hypot\u00e9ku pro n\u011b m\u016f\u017ee b\u00fdt nemo\u017en\u00e9. Z\u00a0toho d\u016fvodu bude mo\u017en\u00e9 od nov\u00e9ho roku poskytovat pouze p\u016fj\u010dky klient\u016fm, kte\u0159\u00ed u\u017e maj\u00ed jistou \u010d\u00e1st financ\u00ed naspo\u0159enou.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00daspory jsou nutn\u00e9 Z\u00a0toho d\u016fvod bude z\u00edsk\u00e1n\u00ed hypot\u00e9ky obt\u00ed\u017en\u011bj\u0161\u00ed, jeliko\u017e spodn\u00ed hranice pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru u jak\u00e9koli banky je minim\u00e1ln\u011b p\u011bt procent v\u00fd\u0161ky hypot\u00e9ky m\u00edt u\u017e p\u0159edem naspo\u0159eno.P\u0159i p\u016fj\u010dce na t\u0159i miliony, za kter\u00e9 si koup\u00edte byt ve v\u011bt\u0161\u00edm m\u011bst\u011b v\u00a0klidn\u00e9 \u010dtvrti asi patn\u00e1ct minut od centra (nap\u0159\u00edklad v\u00a0Brn\u011b, Plzni, \u010cesk\u00fdch Bud\u011bjovic\u00edch, Olomouci nebo Ostrav\u011b), budete muset m\u00edt naspo\u0159eno sto pades\u00e1t tis\u00edc korun minim\u00e1ln\u011b, aby v\u00e1m byla hypot\u00e9ka poskytnuta. T\u011bmto hypot\u00e9k\u00e1m se \u0159\u00edk\u00e1 tzv. devades\u00e1ti p\u011bti procentn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Za hypot\u00e9ky zaplat\u00edme v\u00edce, ale bude snaz\u0161\u00ed je splatit","item":"https:\/\/www.nebelvir.cz\/za-hypoteky-zaplatime-vice-ale-bude-snazsi-je-splatit\/#breadcrumbitem"}]}]