[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pevac.cz\/jaka-budoucnost-ceka-nebankovni-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.pevac.cz\/jaka-budoucnost-ceka-nebankovni-hypoteky\/","headline":"Jak\u00e1 budoucnost \u010dek\u00e1 nebankovn\u00ed hypot\u00e9ky","name":"Jak\u00e1 budoucnost \u010dek\u00e1 nebankovn\u00ed hypot\u00e9ky","description":"I v sou\u010dasn\u00e9 ekonomick\u00e9 situaci, kdy roste inflace a sni\u017euje se platebn\u00ed schopnost b\u011b\u017en\u00e9ho ob\u010dana, tou\u017e\u00ed lid\u00e9 po vlastn\u00edm bydlen\u00ed. Ceny nemovitost\u00ed v\u0161ak neust\u00e1le rostou. Jednou z nejb\u011b\u017en\u011bj\u0161\u00edch cest, jak tento probl\u00e9m \u0159e\u0161it, je hypot\u00e9ka. Ta se v\u0161ak v posledn\u00edch letech st\u00e1v\u00e1 st\u00e1le m\u00e9n\u011b l\u00e1kavou. To plat\u00ed i pro nebankovn\u00ed hypot\u00e9ky, kter\u00e9 d\u0159\u00edve pat\u0159ily mezi […]","datePublished":"2023-05-27","dateModified":"2023-07-03","author":{"@type":"Person","@id":"https:\/\/www.pevac.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.pevac.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7b822bed19dfbc78d1cf42b3649cc2489d12c54b7aef64ae719c01ed9f13d563?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7b822bed19dfbc78d1cf42b3649cc2489d12c54b7aef64ae719c01ed9f13d563?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pevac.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pevac.cz\/wp-content\/uploads\/hypoteka1_10_10_10_10_10_10_6.jpg","url":"https:\/\/www.pevac.cz\/wp-content\/uploads\/hypoteka1_10_10_10_10_10_10_6.jpg","height":0,"width":0},"url":"https:\/\/www.pevac.cz\/jaka-budoucnost-ceka-nebankovni-hypoteky\/","about":["Ekonomika"],"wordCount":457,"articleBody":"   I v sou\u010dasn\u00e9 ekonomick\u00e9 situaci, kdy roste inflace a sni\u017euje se platebn\u00ed schopnost b\u011b\u017en\u00e9ho ob\u010dana, tou\u017e\u00ed lid\u00e9 po vlastn\u00edm bydlen\u00ed. Ceny nemovitost\u00ed v\u0161ak neust\u00e1le rostou. Jednou z nejb\u011b\u017en\u011bj\u0161\u00edch cest, jak tento probl\u00e9m \u0159e\u0161it, je hypot\u00e9ka.Ta se v\u0161ak v posledn\u00edch letech st\u00e1v\u00e1 st\u00e1le m\u00e9n\u011b l\u00e1kavou. To plat\u00ed i pro nebankovn\u00ed hypot\u00e9ky, kter\u00e9 d\u0159\u00edve pat\u0159ily mezi jedni\u010dky na trhu. Je tedy jasn\u00e9, \u017ee si o n\u011b \u017e\u00e1d\u00e1 st\u00e1le m\u00e9n\u011b lid\u00ed. S t\u00edm se vl\u00e1da rozhodla n\u011bco d\u011blat, a tak proch\u00e1z\u00ed v sou\u010dasn\u00e9 dob\u011b parlamentem n\u00e1vrh reformy, kter\u00e1 by s cel\u00fdm hypote\u010dn\u00edm trhem pom\u011brn\u011b dost zat\u0159\u00e1sla.Jednalo by se o takzvan\u00e9 d\u011bdi\u010dn\u00e9 hypot\u00e9ky. Z\u00e1kladn\u00edm principem je, \u017ee by se uzav\u00edraly na del\u0161\u00ed dobu, nap\u0159\u00edklad i na 50 let, av\u0161ak na druhou stranu m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka by byla men\u0161\u00ed a nezat\u011b\u017eovala tak o tolik rodinn\u00fd rozpo\u010det.To se m\u016f\u017ee zd\u00e1t dobr\u00e9, av\u0161ak je nutn\u00e9 si uv\u011bdomit, co by to v podstat\u011b znamenalo. T\u00edmto bychom v podstat\u011b zadlu\u017eili nejen sebe, ale i sv\u00e9 d\u011bti a pravd\u011bpodobn\u011b i vnou\u010data. A nikde nen\u00ed ps\u00e1no, \u017ee ony budou m\u00edt dost pen\u011bz na spl\u00e1cen\u00ed, p\u0159\u00edpadn\u011b \u017ee budou onen d\u016fm nebo byt v\u016fbec cht\u00edt.D\u00e1le je tak\u00e9 pot\u0159eba vz\u00edt v \u00favahu p\u0159\u00edpadn\u00e9 prudk\u00e9 zm\u011bny, kter\u00fdch jsme byli nap\u0159\u00edklad sv\u011bdky v posledn\u00edch letech. Velmi \u010dasto se st\u00e1valo, \u017ee si n\u011bkdo vzal hypot\u00e9ku na stavbu domu, av\u0161ak b\u011bhem p\u00e1r let ceny vzrostly natolik, \u017ee mu tyto pen\u00edze v\u016fbec nesta\u010dily. Zbyl mu tedy rozestav\u011bn\u00fd d\u016fm a dluh, kter\u00fd mus\u00ed spl\u00e1cet. A je jasn\u00e9, \u017ee pravd\u011bpodobnost, \u017ee se n\u011bco takov\u00e9ho op\u011bt stane, je vy\u0161\u0161\u00ed v pades\u00e1tilet\u00e9m horizontu ne\u017e v desetilet\u00e9m.Z toho samoz\u0159ejm\u011b budou t\u011b\u017eit mimo jin\u00e9 tak\u00e9 poskytovatel\u00e9 nebankovn\u00edch hypot\u00e9k, kte\u0159\u00ed tak mohou vyd\u011blat mnohem v\u00edce na \u00faroc\u00edch. \u010c\u00edm d\u00e9le toti\u017e budeme spl\u00e1cet, t\u00edm v\u00edce na nich zaplat\u00edme. Proto v\u011bt\u0161ina z nich tuto reformu schvaluje. Jist\u011b, i banky mohou situace vyu\u017e\u00edt podobn\u011b, av\u0161ak ty jsou mnohem pevn\u011bji sv\u00e1z\u00e1ny z\u00e1konem, kter\u00fd z\u00e1kazn\u00edky chr\u00e1n\u00ed.Pokud tedy tou\u017e\u00edme po bydlen\u00ed, je dobr\u00e9 se rozmyslet, zda je to za sou\u010dasn\u00e9 situace skute\u010dn\u011b dobr\u00fd n\u00e1pad. Ukvapen\u00e1 rozhodnut\u00ed toti\u017e b\u00fdvaj\u00ed m\u00e1lokdy dobr\u00e1.                                                                                                                                                                                                                                                                                                                                                                                                  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