[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.artneon.cz\/trh-nemovitosti-klesa-muzou-za-to-prisne-podminky-hypotek\/#Article","mainEntityOfPage":"https:\/\/www.artneon.cz\/trh-nemovitosti-klesa-muzou-za-to-prisne-podminky-hypotek\/","headline":"Trh nemovitost\u00ed kles\u00e1. M\u016f\u017eou za to p\u0159\u00edsn\u00e9 podm\u00ednky hypot\u00e9k","name":"Trh nemovitost\u00ed kles\u00e1. M\u016f\u017eou za to p\u0159\u00edsn\u00e9 podm\u00ednky hypot\u00e9k","description":"Na podzim roku 2018 do\u0161lo ke zp\u0159\u00edsn\u011bn\u00ed podm\u00ednek pro schv\u00e1len\u00ed hypote\u010dn\u00edho \u00fav\u011bru. To vedlo k tomu, \u017ee na n\u011b mnoho lid\u00ed nedos\u00e1hne a kv\u016fli tomu si nemohou po\u0159\u00eddit sv\u016fj vysn\u011bn\u00fd domov. Z toho d\u016fvodu se prodeje nemovitost\u00ed a z\u00e1rove\u0148 i p\u016fj\u010dky sn\u00ed\u017eily o p\u011btinu, t\u00e9m\u011b\u0159 o 22 tis\u00edc smluv. Finan\u010dn\u011b se jedn\u00e1 o pokles v...","datePublished":"2020-01-08","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.artneon.cz\/author\/#Person","name":"","url":"https:\/\/www.artneon.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/163f6c65c8acab43fa062eaf19866aeb6d6c2adc4d5c2462700a89e6feec77a0?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/163f6c65c8acab43fa062eaf19866aeb6d6c2adc4d5c2462700a89e6feec77a0?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"artneon.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.artneon.cz\/wp-content\/uploads\/img_a378880_w3078_t1590127555.jpg","url":"https:\/\/www.artneon.cz\/wp-content\/uploads\/img_a378880_w3078_t1590127555.jpg","height":0,"width":0},"url":"https:\/\/www.artneon.cz\/trh-nemovitosti-klesa-muzou-za-to-prisne-podminky-hypotek\/","about":["Ekonomika"],"wordCount":411,"articleBody":"        Na podzim roku 2018 do\u0161lo ke zp\u0159\u00edsn\u011bn\u00ed podm\u00ednek pro schv\u00e1len\u00ed hypote\u010dn\u00edho \u00fav\u011bru. To vedlo k tomu, \u017ee na n\u011b mnoho lid\u00ed nedos\u00e1hne a kv\u016fli tomu si nemohou po\u0159\u00eddit sv\u016fj vysn\u011bn\u00fd domov. Z toho d\u016fvodu se prodeje nemovitost\u00ed a z\u00e1rove\u0148 i p\u016fj\u010dky sn\u00ed\u017eily o p\u011btinu, t\u00e9m\u011b\u0159 o 22 tis\u00edc smluv. Finan\u010dn\u011b se jedn\u00e1 o pokles v hodnot\u011b 35 miliard korun. Ceny dom\u016f a byt\u016f ale st\u00e1le m\u00edrn\u011b rostou. Podle \u010cesk\u00e9 n\u00e1rodn\u00ed banky se jedn\u00e1 o nejhor\u0161\u00ed situaci za posledn\u00edch p\u011bt let. Jsou to ale pr\u00e1v\u011b jejich limity a podm\u00ednky, d\u00edky kter\u00fdm k tomu do\u0161lo. Pat\u0159\u00ed tam limit p\u016fj\u010den\u00ed max. dev\u00edtin\u00e1sobku ro\u010dn\u00edho \u010dist\u00e9ho p\u0159\u00edjmu, anebo m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka v max. v\u00fd\u0161i 45 procent m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu. Z\u00e1rove\u0148 poskytuj\u00ed nejv\u00fd\u0161e 80 procent, ale ide\u00e1ln\u00ed je pro n\u011b do 70 procent z odhadu kupn\u00ed ceny. Vina p\u0159edz\u00e1soben\u00ed \u010cNB jako d\u016fvod pro negativn\u00ed v\u00fdsledky prodeje a mno\u017estv\u00ed uzav\u0159en\u00fdch smluv ur\u010dila tzv. p\u0159edz\u00e1soben\u00ed z roku 2018. Kdy\u017e se toti\u017e za\u010dalo mluvit o zp\u0159\u00edsn\u011bn\u00ed podm\u00ednek, uzav\u0159elo se obrovsk\u00e9 mno\u017estv\u00ed kontrakt\u016f. Lid\u00e9 to cht\u011bli stihnout p\u0159ed \u00fa\u010dinnost\u00ed nov\u00fdch pravidel, proto\u017ee pot\u00e9 by se do toho ji\u017e nedostali. Faktem ale z\u016fst\u00e1v\u00e1, \u017ee kdyby byly ceny nemovitost\u00ed ni\u017e\u0161\u00ed, jist\u011b by na n\u011b dos\u00e1hlo v\u00edce osob. Spole\u010dnosti i poradci si nyn\u00ed budou muset zvyknout na to, \u017ee doba \u017en\u011b skon\u010dila a trh nemovitost\u00ed se pomalu vrac\u00ed do norm\u00e1ln\u00edho stavu.   Co d\u011blat v p\u0159\u00edpad\u011b, \u017ee v\u00e1s banka odm\u00edtne? Na\u0161t\u011bst\u00ed existuj\u00ed i spole\u010dnosti, kter\u00e9 nepodl\u00e9haj\u00ed \u010cNB a d\u00edky tomu nemuseli sv\u00e9 podm\u00ednky m\u011bnit. Nebankovn\u00ed hypot\u00e9ka http:\/\/www.americka-nebankovni-hypoteka.cz\/ je skv\u011blou p\u0159\u00edle\u017eitost\u00ed pro v\u0161echny, kter\u00e9 klasick\u00e1 banka odm\u00edtne. Sice zaplat\u00edte trochu vy\u0161\u0161\u00ed \u00farok, ale na pen\u00edze nebudete dlouho \u010dekat, ke schv\u00e1len\u00ed dojde do 24 hodin a jsou velmi tolerantn\u00ed. Za\u017e\u00e1dat m\u016f\u017eete online z pohodl\u00ed domova a spl\u00e1cet a\u017e 30 let. A dal\u0161\u00ed mo\u017enosti?  Spojen\u00ed n\u011bkolika \u00fav\u011br\u016f dohromady St\u00e1tn\u00ed p\u016fj\u010dka pro mlad\u00e9 man\u017eele do 36 let Americk\u00e1 hypot\u00e9ka \u00dav\u011br ze stavebn\u00edho spo\u0159en\u00ed                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Trh nemovitost\u00ed kles\u00e1. M\u016f\u017eou za to p\u0159\u00edsn\u00e9 podm\u00ednky hypot\u00e9k","item":"https:\/\/www.artneon.cz\/trh-nemovitosti-klesa-muzou-za-to-prisne-podminky-hypotek\/#breadcrumbitem"}]}]