[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.soriano.cz\/zadate-o-hypoteku-kdo-jste\/#Article","mainEntityOfPage":"https:\/\/www.soriano.cz\/zadate-o-hypoteku-kdo-jste\/","headline":"\u017d\u00e1d\u00e1te o hypot\u00e9ku, kdo jste?","name":"\u017d\u00e1d\u00e1te o hypot\u00e9ku, kdo jste?","description":"V\u00a0prvn\u00ed dek\u00e1d\u011b 21. stolet\u00ed vypukla finan\u010dn\u00ed krize, kterou zaplatila sv\u011btov\u00e1 ekonomika vysokou cenu v\u00a0podob\u011b dlouh\u00e9ho ekonomick\u00e9ho propadu \u2013 nejdel\u0161\u00edho od","datePublished":"2025-03-03","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.soriano.cz\/author\/#Person","name":"soriano.cz\n","url":"https:\/\/www.soriano.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d377e0490a87620b11de21ad8824e89a7cfe705f8d1d0508828fda84a9262785?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d377e0490a87620b11de21ad8824e89a7cfe705f8d1d0508828fda84a9262785?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"soriano.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.soriano.cz\/wp-content\/uploads\/img_a305579_w2203_t1517061822.jpg","url":"https:\/\/www.soriano.cz\/wp-content\/uploads\/img_a305579_w2203_t1517061822.jpg","height":0,"width":0},"url":"https:\/\/www.soriano.cz\/zadate-o-hypoteku-kdo-jste\/","about":["Ekonomika"],"wordCount":401,"articleBody":"V\u00a0prvn\u00ed dek\u00e1d\u011b 21. stolet\u00ed vypukla finan\u010dn\u00ed krize, kterou zaplatila sv\u011btov\u00e1 ekonomika vysokou cenu v\u00a0podob\u011b dlouh\u00e9ho ekonomick\u00e9ho propadu \u2013 nejdel\u0161\u00edho od sv\u011btov\u00e9 krize ve 30. letech minul\u00e9ho stolet\u00ed. A pr\u00e1v\u011b vysok\u00e1 zadlu\u017eenost dom\u00e1cnost\u00ed a jej\u00ed r\u016fst v\u00a0obdob\u00ed p\u0159ed kriz\u00ed, se n\u00e1sledn\u011b projevil a\u017e drastick\u00fdm zv\u00fd\u0161en\u00edm \u00fav\u011brov\u00e9ho rizika cel\u00e9ho bankovn\u00edho sektoru. N\u00e1sledky si n\u011bkter\u00e9 banky, a\u0165 ji\u017e lok\u00e1ln\u00ed nebo nadn\u00e1rodn\u00ed, nesou dodnes. \u010cesk\u00e1 republika a jej\u00ed hypot\u00e9\u010dn\u00ed trh, celou situaci a jej\u00ed dopady p\u0159ipom\u00edn\u00e1. Zadlu\u017eenost \u010desk\u00fdch dom\u00e1cnost\u00ed se za posledn\u00edch deset let zv\u00fd\u0161ila a svou rychlost\u00ed r\u016fstu dokonce p\u0159edb\u011bhla okoln\u00ed st\u00e1ty. \u010cNB nechce opakovat chyby z\u00a0minulosti, a proto v\u011bnuje mimo\u0159\u00e1dnou pozornost rostouc\u00edmu zadlu\u017eov\u00e1n\u00ed dom\u00e1cnost\u00ed a jejich schopnost spl\u00e1cet svoje z\u00e1vazky.\u00a0Sou\u010dasn\u00e1 rizika pro dlu\u017en\u00edky\u00a0Nejv\u011bt\u0161\u00edm a hlavn\u00edm rizikem je zvy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb z\u00a0\u00fav\u011br\u016f, kter\u00e9 by nemuselo b\u00fdt prov\u00e1zeno r\u016fstem mezd. Co to znamen\u00e1. V\u00a0posledn\u00edch a\u017e sedmi letech \u00farokov\u00e9 sazby klesaly a dostaly se na historick\u00e1 minima. S\u00a0jejich sou\u010dasn\u00fdm r\u016fstem je spojeno riziko pro dlu\u017en\u00edky s\u00a0kr\u00e1tkou fixac\u00ed. Nov\u00e1, vy\u0161\u0161\u00ed sazba pro n\u011b m\u016f\u017ee znamenat probl\u00e9m s \u00fahradou m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. Pokud tedy dlu\u017en\u00edk nem\u00e1 odpov\u00eddaj\u00edc\u00ed r\u016fst mzdy, m\u016f\u017ee se dostat do probl\u00e9mu se splacen\u00edm. Velmi citliv\u011b na zvy\u0161uj\u00edc\u00ed se spl\u00e1tky reaguj\u00ed dlu\u017en\u00edci, jejich\u017e spl\u00e1tka p\u0159edstavuje v\u00edce ne\u017e 40% jejich p\u0159\u00edjmu. Tito dlu\u017en\u00edci logicky nemaj\u00ed vytvo\u0159enou ani dostate\u010dnou finan\u010dn\u00ed rezervu, kter\u00e1 by jim pomohla p\u0159e\u010dkat dobu, ne\u017e se mzdy nav\u00fd\u0161\u00ed.\u00a0\u00a0Rizika bankovn\u00edho sektoru\u00a0Hypot\u00e9\u010dn\u00ed \u00fav\u011bry p\u0159edstavuj\u00ed pro finan\u010dn\u00ed stabilitu bankovn\u00edho sektoru rozhoduj\u00edc\u00ed zdroj rizik. Tato rizika paradoxn\u011b vznikaj\u00ed v\u00a0dob\u011b, kdy se ekonomice da\u0159\u00ed, ale projevuj\u00ed se s dlouh\u00fdm zpo\u017ed\u011bn\u00edm. Finan\u010dn\u00ed stabilita je jedn\u00edm z\u00a0hlavn\u00edch \u00fakol\u016f centr\u00e1ln\u00ed banky, a proto se \u010cNB sna\u017e\u00ed z\u00edskat dal\u0161\u00ed opr\u00e1vn\u011bn\u00ed v\u00a0r\u00e1mci novely z\u00e1kona o \u010cNB, aby mohla \u010dinit opat\u0159en\u00ed, kter\u00e9 zajist\u00ed ekonomickou a finan\u010dn\u00ed stabilitu zem\u011b.                                                                                                                                                                                                                                                                                                                                                                                        3.6\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u017d\u00e1d\u00e1te o hypot\u00e9ku, kdo jste?","item":"https:\/\/www.soriano.cz\/zadate-o-hypoteku-kdo-jste\/#breadcrumbitem"}]}]