Sezen\u00edm na \u017eidli je\u0161t\u011b klient levn\u011bj\u0161\u00ed hypot\u00e9ku nez\u00edskal.<\/p>\n\n\n\n
U\u0161et\u0159it na spl\u00e1tk\u00e1ch pom\u016f\u017ee a\u017e aktivita dlu\u017en\u00edka, ale v\u00fdsledkem nemus\u00ed b\u00fdt automaticky p\u0159esun \u00fav\u011bru do jin\u00e9 banky. Finan\u010dn\u00ed domy si cht\u011bj\u00ed klienty udr\u017eet a nab\u00eddky konkurence jsou ochotny p\u0159ekonat.<\/p>\n\n\n\n
Ji\u017e p\u0159es rok jsou podm\u00ednky pro p\u0159esun hypot\u00e9ky relativn\u011b shov\u00edvav\u00e9 i mimo obdob\u00ed zm\u011bny fixace \u00farokov\u00e9 sazby. Kdy\u017e se m\u011bn\u00ed zafixovan\u00e1 \u00farokov\u00e1 sazba, p\u0159esun je bezplatn\u00fd, jinak mus\u00ed dlu\u017en\u00edk plat\u00ed.<\/p>\n\n\n\n
Hotov\u00e1 matematika
Poslanec Miroslav Beblav\u00fd p\u0159ed rokem prosadil v z\u00e1kon\u011b maxim\u00e1ln\u00ed pokutu za odchod na jedno procento, v minulosti dosahovala \u010dasto \u010dty\u0159 a\u017e p\u011bti procent. P\u0159esto\u017ee je dnes p\u0159esun v\u00fdhodn\u011bj\u0161\u00ed, nevyplat\u00ed se automaticky ka\u017ed\u00e9mu.<\/p>\n\n\n\n
U\u017e jednoduch\u00e1 matematika nazna\u010d\u00ed, \u017ee m\u00e1-li dlu\u017en\u00edk dva roky do zm\u011bny fixace \u00farokov\u00e9 sazby a p\u0159est\u011bhov\u00e1n\u00edm by z\u00edskal o p\u016fl procentn\u00edho bodu ni\u017e\u0161\u00ed sazbu, platit jednoprocentn\u00ed pokutu se mu nevyplat\u00ed. Jin\u00e1 situace nastane, m\u00e1-li do uplynut\u00ed fixace a\u017e \u010dty\u0159i roky.<\/p>\n\n\n\n
\u201e\u00darokov\u00e1 sazba je jen jeden z mnoha faktor\u016f, kter\u00fd je v takov\u00e9 situaci t\u0159eba posoudit,\u201c m\u00edn\u00ed Erik Babu\u0161iak z Partners Group SK.<\/p>\n\n\n\n
D\u016fle\u017eit\u00fd je podle n\u011bj nejen po\u010det m\u011bs\u00edc\u016f do v\u00fdro\u010d\u00ed fixace a do splacen\u00ed hypot\u00e9ky, ale tak\u00e9 dal\u0161\u00ed souvisej\u00edc\u00ed n\u00e1klady, jako jsou katastr, znaleck\u00fd posudek a tak\u00e9 p\u0159\u00edpadn\u00fd poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky.<\/p>\n\n\n\n
\u201eStejn\u011b d\u016fle\u017eit\u00e1 je nov\u00e1 nab\u00eddka, a to nejen z pohledu \u00faroku, ale i celkov\u00e9 n\u00e1kladovosti (RPSN) a dal\u0161\u00edch faktor\u016f.\u201c<\/p>\n\n\n\n
Dod\u00e1v\u00e1, \u017ee banky jsou p\u0159i refinancov\u00e1n\u00ed ochotny pokr\u00fdt klientovi r\u016fzn\u00e9 v\u00fddaje, nap\u0159\u00edklad zmi\u0148ovan\u00fd poplatek katastru.<\/p>\n\n\n\n
\u201eUr\u010dit\u011b je t\u0159eba si d\u00e1t \u00fasporu a n\u00e1klady p\u0159epo\u010d\u00edtat p\u0159edt\u00edm, ne\u017e se klient rozhodne,\u201c upozor\u0148uje analytik Fincentra Peter Vil\u00e1gi.<\/p>\n\n\n\n
Nenale\u0165te
Banky \u010dasto v \u00fasil\u00ed p\u0159esv\u011bd\u010dit klienta, aby p\u0159e\u0161el k nim, komunikuj\u00ed \u00fasporu d\u00edky ni\u017e\u0161\u00edmu \u00faroku na celou d\u00e9lku trv\u00e1n\u00ed \u00fav\u011bru. Konkr\u00e9tn\u00ed spl\u00e1tku v\u0161ak um\u00ed garantovat jen na dohodnut\u00e9 obdob\u00ed fixace \u00farokov\u00e9 m\u00edry – nej\u010dast\u011bji t\u0159i a\u017e deset let.<\/p>\n\n\n\n
\u201eNepova\u017euji za relevantn\u00ed podsouvat klientovi, kolik by uspo\u0159il p\u0159i nov\u00e9m \u00faroku za cel\u00e9 obdob\u00ed \u00fav\u011bru, nap\u0159\u00edklad zb\u00fdvaj\u00edc\u00edch 20 a\u017e 25 let, jak to ob\u010das sly\u0161\u00edm, proto\u017ee \u00farok bude garantov\u00e1n op\u011bt jen na obdob\u00ed fixace,\u201c potvrzuje i Ildik\u00f3 Gerichov\u00e1 ze spole\u010dnosti Gepard Finance.<\/p>\n\n\n\n
P\u0159i zva\u017eov\u00e1n\u00ed refinancov\u00e1n\u00ed doporu\u010duje nejprve jedn\u00e1n\u00ed o ni\u017e\u0161\u00edm \u00faroku s bankou, ve kter\u00e9 m\u00e1 klient \u00fav\u011br nyn\u00ed. E. Babu\u0161\u00e1k se s n\u00ed shoduje:<\/p>\n\n\n\n
\u201e\u010casto sta\u010d\u00ed, kdy\u017e klient sv\u00e9 bance vzpomene, \u017ee p\u0159em\u00fd\u0161l\u00ed o refinancov\u00e1n\u00ed, a ta zareaguje nab\u00eddkou na sn\u00ed\u017een\u00ed \u00farokov\u00e9 sazby nebo takzvan\u00fdm restartem fixace, kde klient dostane novou nab\u00eddku na novou lh\u016ftu fixace ji\u017e dnes.\u201c<\/p>\n\n\n\n
Pod dv\u011b procenta
N\u011bkter\u00e9 banky nab\u00edzej\u00ed klient\u016fm \u00faroky ji\u017e pod jedn\u00edm procentem, ale pouze p\u0159i spln\u011bn\u00ed dal\u0161\u00edch podm\u00ednek a vyu\u017e\u00edv\u00e1n\u00ed dopl\u0148kov\u00fdch slu\u017eeb.<\/p>\n\n\n\n
\u201eTakov\u00e1 nab\u00eddka m\u016f\u017ee b\u00fdt v\u00fdhodn\u00e1 pro \u017eadatele, kter\u00fd v\u00ed, \u017ee kupovan\u00e9 produkty i re\u00e1ln\u011b pot\u0159ebuje a vyu\u017eije,\u201c \u0159\u00edk\u00e1 P. Vil\u00e1gi.<\/p>\n\n\n\n
\u201ePokud v\u0161ak nen\u00ed na aktivn\u00ed placen\u00ed kreditn\u00ed kartou zvykl\u00fd, nem\u00e1 a nechce aktivn\u011b vyu\u017e\u00edvat v hypote\u010dn\u00ed bance b\u011b\u017en\u00fd \u00fa\u010det, m\u00e1 v\u00fdhodn\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a poji\u0161t\u011bn\u00ed \u00fav\u011bru vlastn\u011b nepot\u0159ebuje, tak v takov\u00e9m p\u0159\u00edpad\u011b mu nab\u00eddka banky \u00fav\u011br jen prodra\u017e\u00ed,\u201c dod\u00e1v\u00e1.<\/p>\n\n\n\n
Ale i bez vyu\u017e\u00edv\u00e1n\u00ed dal\u0161\u00edch slu\u017eeb se \u00farok m\u016f\u017ee dostat hluboko pod dv\u011b procenta. M. Babu\u0161\u00e1k nap\u0159\u00edklad doporu\u010duje na \u00fakor n\u00edzk\u00e9 sazby si rad\u011bji zvolit del\u0161\u00ed fixaci. \u201e\u00darokov\u00e9 sazby na tak n\u00edzk\u00e9 \u00farovni jsou anom\u00e1li\u00ed, kter\u00e1 dlouhodob\u011b nen\u00ed udr\u017eiteln\u00e1. V horizontu dvaceti a v\u00edce let je p\u0159edpoklad, \u017ee pr\u016fm\u011brn\u00e9 \u00farokov\u00e9 sazby na hypot\u00e9k\u00e1ch se budou pohybovat kolem \u010dty\u0159 procent.\u201c<\/p>\n\n\n\n
Proto doporu\u010duje sn\u00ed\u017eit celkov\u00e9 proplacen\u00ed hypot\u00e9ky pravideln\u00fdm investov\u00e1n\u00edm. To v praxi znamen\u00e1, \u017ee klient s n\u00edzk\u00fdm \u00farokem by si m\u011bl vypo\u010d\u00edtat, kolik by zaplatil, kdyby se sazba zv\u00fd\u0161ila na \u010dty\u0159i a\u017e p\u011bt procent, a rozd\u00edl investovat.<\/p>\n\n\n\n
\\“V budoucnu se mu tato aktiva rozhodn\u011b sejdou, a\u0165 u\u017e na p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky, nebo jako rezerva v p\u0159\u00edpad\u011b neo\u010dek\u00e1van\u00fdch ud\u00e1lost\u00ed,\\“ konstatuje M. Babu\u0161iak.<\/p>\n\n\n\n
P\u0159\u00edsn\u00e1 \u0161estipravidla
N\u00e1rodn\u00ed banka Slovenska postupn\u011b zp\u0159\u00eds\u0148uje podm\u00ednky pro nov\u00e9 hypot\u00e9ky, co\u017e v praxi znamen\u00e1, \u017ee k \u00fav\u011br\u016fm se \u010d\u00e1st Slov\u00e1k\u016f dostane t\u011b\u017e\u0161\u00ed. V p\u0159\u00edpad\u011b refinancov\u00e1n\u00ed to v\u0161ak zcela neplat\u00ed. \\“Proces p\u0159i schvalov\u00e1n\u00ed \u00fav\u011bru, kter\u00fd je refinancov\u00e1n, je ve v\u011bt\u0161in\u011b bank jednodu\u0161\u0161\u00ed, ale pravidla ohledn\u011b rezerv z p\u0159\u00edjm\u016f se t\u00fdkaj\u00ed i tohoto \u00fav\u011bru,\\“ shrnuje I. Gerichov\u00e1.<\/p>\n\n\n\n
Po zaplacen\u00ed spl\u00e1tky a ode\u010dten\u00ed \u017eivotn\u00edho minima mus\u00ed dlu\u017en\u00edkovi z\u016fstat ur\u010dit\u00e1 rezerva z v\u00fdplaty. \\“Pokud si klient nechce zv\u00fd\u0161it \u00fav\u011br p\u0159i refinancov\u00e1n\u00ed, banky ho posuzuj\u00ed m\u00e9n\u011b p\u0159\u00edsn\u011b, proto\u017ee svou \u00fav\u011brovou histori\u00ed prok\u00e1zal schopnost p\u016fj\u010dku spl\u00e1cet,\\“ vysv\u011btluje P. Vil\u00e1gi.<\/p>\n\n\n\n
Analytik dod\u00e1v\u00e1, \u017ee zm\u011bnou banky si klient je\u0161t\u011b n\u00e1klady sni\u017euje. Pro banku je zpravidla ni\u017e\u0161\u00ed riziko p\u016fj\u010dit jemu, ne\u017e d\u00e1t pen\u00edze nov\u00e9mu \u017eadateli, kter\u00fd dosud nic nespl\u00e1cel, a tud\u00ed\u017e nem\u00e1 ani pozitivn\u00ed historii v \u00fav\u011brov\u00e9m registru.<\/p>\n\n\n\n
P\u0159ir\u00e1\u017eky v sazb\u00e1ch
M. Babu\u0161\u00e1k je pon\u011bkud opatrn\u011bj\u0161\u00ed a upozor\u0148uje, \u017ee n\u011bkter\u00e9 banky za\u010d\u00ednaj\u00ed podle doporu\u010den\u00ed NBS zp\u0159\u00eds\u0148ovat podm\u00ednky u \u00fav\u011br\u016f s vysok\u00fdm procentem financov\u00e1n\u00ed, kde objem hypot\u00e9ky p\u0159esahuje hranici 80 nebo 90 procent hodnoty nemovitosti.<\/p>\n\n\n\n
\u201eV praxi se to projevuje tak, \u017ee banky postupn\u011b zav\u00e1d\u011bj\u00ed p\u0159ir\u00e1\u017eky v \u00farokov\u00fdch sazb\u00e1ch na takov\u00fdch \u00fav\u011brech. Tak\u00e9 je b\u011b\u017en\u00e9, \u017ee ka\u017ed\u00fd klient m\u00e1 v bance individu\u00e1ln\u011b posuzovan\u00fd rating a podle n\u011bj mu banka m\u016f\u017ee, ale nemus\u00ed schv\u00e1lit refinan\u010dn\u00ed hypot\u00e9ku,\u201c dod\u00e1v\u00e1.<\/p>\n\n\n\n
Odborn\u00edci se z\u00e1rove\u0148 shoduj\u00ed, \u017ee refinancov\u00e1n\u00ed hypot\u00e9ky je komplikovan\u00fd produkt, o kter\u00e9m je t\u0159eba uva\u017eovat d\u00e9le ne\u017e jen jedno odpoledne. I proto je dobr\u00e9 konzultovat situaci s nez\u00e1visl\u00fdmi odborn\u00edky \u010di vyu\u017e\u00edvat refinan\u010dn\u00ed kalkula\u010dky.<\/p>\n","protected":false},"excerpt":{"rendered":"
Sezen\u00edm na \u017eidli je\u0161t\u011b klient levn\u011bj\u0161\u00ed hypot\u00e9ku nez\u00edskal. U\u0161et\u0159it na spl\u00e1tk\u00e1ch pom\u016f\u017ee a\u017e aktivita dlu\u017en\u00edka, ale v\u00fdsledkem nemus\u00ed b\u00fdt automaticky p\u0159esun \u00fav\u011bru do jin\u00e9 banky. Finan\u010dn\u00ed domy si cht\u011bj\u00ed klienty udr\u017eet a nab\u00eddky konkurence jsou ochotny p\u0159ekonat. Ji\u017e p\u0159es rok jsou podm\u00ednky pro p\u0159esun hypot\u00e9ky relativn\u011b shov\u00edvav\u00e9 i mimo obdob\u00ed zm\u011bny fixace \u00farokov\u00e9 sazby. Kdy\u017e […]<\/p>\n","protected":false},"author":2,"featured_media":1360,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[443],"tags":[],"class_list":["post-1359","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/posts\/1359","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/strategie24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1359"}],"version-history":[{"count":1,"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/posts\/1359\/revisions"}],"predecessor-version":[{"id":1361,"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/posts\/1359\/revisions\/1361"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/media\/1360"}],"wp:attachment":[{"href":"https:\/\/strategie24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1359"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/strategie24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1359"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/strategie24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1359"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}