[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.radok.cz\/navyseni-urokove-sazby\/#Article","mainEntityOfPage":"https:\/\/www.radok.cz\/navyseni-urokove-sazby\/","headline":"Nav\u00fd\u0161en\u00ed \u00farokov\u00e9 sazby","name":"Nav\u00fd\u0161en\u00ed \u00farokov\u00e9 sazby","description":"\u010cesk\u00e1 n\u00e1rodn\u00ed banka na za\u010d\u00e1tku \u00fanora ne\u010dekan\u011b nav\u00fd\u0161ila \u00farokov\u00e9 sazby. Zv\u00fd\u0161en\u00ed \u00farok\u016f nen\u00ed v\u016fbec nepatrn\u00e9. Z\u00e1kladn\u00ed sazba je nyn\u00ed na hodnot\u011b 0,25 % a z\u00a0rozhodnut\u00ed se nav\u00fd\u0161\u00ed na 2,25 %. Tato sazba p\u0159\u00edmo ovliv\u0148uje procentu\u00e1ln\u00ed v\u00fd\u0161i \u00farokov\u00fdch sazeb, kterou n\u00e1sledn\u011b banky prom\u00edtnou p\u0159i poskytov\u00e1n\u00ed \u00fav\u011br\u016f a hypot\u00e9k na nemovitosti. Bankovn\u00ed","datePublished":"2020-02-16","dateModified":"2023-05-25","author":{"@type":"Person","@id":"https:\/\/www.radok.cz\/author\/#Person","name":"","url":"https:\/\/www.radok.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"radok.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.radok.cz\/wp-content\/uploads\/img_a371649_w4273_t1582969907.jpg","url":"https:\/\/www.radok.cz\/wp-content\/uploads\/img_a371649_w4273_t1582969907.jpg","height":0,"width":0},"url":"https:\/\/www.radok.cz\/navyseni-urokove-sazby\/","about":["Pen\u00edze"],"wordCount":397,"articleBody":"\u010cesk\u00e1 n\u00e1rodn\u00ed banka na za\u010d\u00e1tku \u00fanora ne\u010dekan\u011b nav\u00fd\u0161ila \u00farokov\u00e9 sazby. Zv\u00fd\u0161en\u00ed \u00farok\u016f nen\u00ed v\u016fbec nepatrn\u00e9. Z\u00e1kladn\u00ed sazba je nyn\u00ed na hodnot\u011b 0,25 % a z\u00a0rozhodnut\u00ed se nav\u00fd\u0161\u00ed na 2,25 %. Tato sazba p\u0159\u00edmo ovliv\u0148uje procentu\u00e1ln\u00ed v\u00fd\u0161i \u00farokov\u00fdch sazeb, kterou n\u00e1sledn\u011b banky prom\u00edtnou p\u0159i poskytov\u00e1n\u00ed \u00fav\u011br\u016f a hypot\u00e9k na nemovitosti.Bankovn\u00ed rada d\u00e1le rozhodla o nav\u00fd\u0161en\u00ed dal\u0161\u00edch sazeb a to konkr\u00e9tn\u011b lombardn\u00ed sazby na 3,25 a diskontn\u00ed sazby na 1,25.\tLombardn\u00ed sazbaTato sazba ur\u010duje, za jakou \u010d\u00e1stku si mohou banky p\u016fj\u010dovat od \u010cNB. Hlavn\u011b d\u00edky t\u00e9to sazb\u011b se prom\u00edtne do kone\u010dn\u00fdch nab\u00eddek pro spot\u0159ebitele nav\u00fd\u0161en\u00ed \u00farok\u016f. Banky na lombardn\u00ed sazb\u011b vyd\u011bl\u00e1vaj\u00ed a zv\u00fd\u0161en\u00edm mus\u00ed navy\u0161ovat \u00faroky pro koncov\u00e9 z\u00e1kazn\u00edky.Nav\u00fd\u0161en\u00ed sazeb od \u010cNB bylo hodn\u011b ne\u010dekan\u00e9, o\u010dek\u00e1valo se ponech\u00e1n\u00ed sazeb, proto byly banky nep\u0159ipraven\u00e9 a musely rychle reagovat.\tPoskytov\u00e1n\u00ed hypot\u00e9kyV\u00a0posledn\u00ed dob\u011b se hodn\u011b \u0159e\u0161\u00ed mo\u017enosti poskytnut\u00ed hypot\u00e9ky, v\u00fd\u0161e n\u00e1jm\u016f v\u00a0z\u00e1vislosti na mlad\u00fdch lidech, kte\u0159\u00ed si bez kapit\u00e1lu nemohou dovolit ani jednu variantu.\u010cNB t\u00edmto rozhodnut\u00edm v\u016fbec nepom\u00e1h\u00e1 k\u00a0snadn\u011bj\u0161\u00edmu poskytov\u00e1n\u00ed hypot\u00e9k. Ji\u017e nyn\u00ed je velice slo\u017eit\u00e9, aby mlad\u00fd \u010dlov\u011bk, kter\u00fd za\u010d\u00edn\u00e1 kari\u00e9ru dostal hypot\u00e9ku. Byty se pohybuj\u00ed od 2 milion\u016f, ale nap\u0159\u00edklad v\u00a0Praze se\u017eenete byt i za 12 milion\u016f. Koup\u011b bytu je tedy pro za\u010d\u00ednaj\u00edc\u00edho mlad\u00e9ho \u010dlov\u011bka ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f nere\u00e1ln\u00e1.\u00a0Dal\u0161\u00ed str\u00e1nka v\u011bci je n\u00e1jem byt\u016f. N\u00e1jemn\u00e9 se d\u00edky slo\u017eit\u00e9mu poskytov\u00e1n\u00ed hypot\u00e9k rapidn\u011b navy\u0161uje. V\u00a0n\u011bkter\u00fdch p\u0159\u00edpadech je v\u00fd\u0161e n\u00e1jemn\u00e9ho i vy\u0161\u0161\u00ed ne\u017e p\u0159\u00edpadn\u00e1 v\u00fd\u0161e spl\u00e1tky hypot\u00e9ky. Jak tedy z\u00a0t\u00e9to situace? Pom\u016f\u017ee regulace n\u00e1jemn\u00e9ho nebo usm\u011brn\u011bn\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky p\u0159i navy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb?Do konce roku m\u016f\u017eeme nyn\u00ed o\u010dek\u00e1vat nav\u00fd\u0161en\u00ed \u00farokov\u00e9 sazby pro koncov\u00e9ho z\u00e1kazn\u00edka. To znamen\u00e1, \u017ee pokud uva\u017eujete o koupi nemovitosti, tak jednejte rychle. Nen\u00ed \u010dasu na zbyt, v\u00a0p\u0159\u00edpad\u011b, \u017ee nechcete platit vy\u0161\u0161\u00ed \u00faroky.\u00a0                                                                                                                                                                                                                                                                                                                                                                                        4.8\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nav\u00fd\u0161en\u00ed \u00farokov\u00e9 sazby","item":"https:\/\/www.radok.cz\/navyseni-urokove-sazby\/#breadcrumbitem"}]}]