{"id":11816,"date":"2018-04-24T14:05:25","date_gmt":"2018-04-24T11:05:25","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=11816"},"modified":"2025-08-14T19:43:53","modified_gmt":"2025-08-14T16:43:53","slug":"overview-of-the-mortgage-market-in-spain","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/cs\/articles\/overview-of-the-mortgage-market-in-spain","title":{"rendered":"Hypot\u00e9ky ve \u0160pan\u011blsku: P\u0159ehled trhu za posledn\u00ed rok"},"content":{"rendered":"<p>Specialist\u00e9 ze spole\u010dnosti &quot;Alegria&quot; ned\u00e1vno shrnuli stav realitn\u00edho trhu ve \u0160pan\u011blsku za uplynul\u00fd rok, p\u0159i\u010dem\u017e za z\u00e1klad vzali statistick\u00e9 \u00fadaje z ofici\u00e1ln\u00edch zdroj\u016f ve \u0160pan\u011blsku. Jedn\u00edm z diskutovan\u00fdch t\u00e9mat byly \u201eHypot\u00e9ky ve \u0160pan\u011blsku\u201c. Materi\u00e1l byl zve\u0159ejn\u011bn na ruskojazy\u010dn\u00e9m port\u00e1lu \u201e\u0160pan\u011blsko v ru\u0161tin\u011b\u201c. Dnes bychom se s v\u00e1mi r\u00e1di pod\u011blili o informace o pr\u016fm\u011brn\u00e9 v\u00fd\u0161i hypote\u010dn\u00edho \u00fav\u011bru v roce 2017, kte\u0159\u00ed zahrani\u010dn\u00ed kupuj\u00edc\u00ed nemovitost\u00ed byli nejsolventn\u011bj\u0161\u00ed a jak se m\u011bnily \u00farokov\u00e9 sazby v \u010dase. P\u0159e\u010dt\u011bte si v\u00edce o tomto&#8230;<\/p>\n<h3> Poj\u010fme se pod\u00edvat, jak to bylo s hypot\u00e9kami ve \u0160pan\u011blsku na konci roku 2017<\/h3>\n<p> Hypote\u010dn\u00ed \u00fav\u011bry z\u016fst\u00e1vaj\u00ed jedn\u00edm z nejobl\u00edben\u011bj\u0161\u00edch finan\u010dn\u00edch produkt\u016f. Samoz\u0159ejm\u011b, toto nen\u00ed rok 2004, kdy <a href=\"about\/news\/banki-v-torrevieja.html\">banky<\/a> snadno p\u016fj\u010dovaly pen\u00edze ka\u017ed\u00e9mu nalevo i napravo. Krize a obrovsk\u00e9 mno\u017estv\u00ed nesplacen\u00fdch hypot\u00e9k je donutily p\u0159ehodnotit podm\u00ednky a zp\u0159\u00edsnit po\u017eadavky na dlu\u017en\u00edky. \u0160pan\u011blsk\u00e9 banky dnes vy\u017eaduj\u00ed zejm\u00e9na od zahrani\u010dn\u00edch klient\u016f seri\u00f3zn\u00ed<a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/documents-for-buying-property-in-spain\"><strong>bal\u00edk dokument\u016f<\/strong><\/a> a pouze ve v\u00fdjime\u010dn\u00fdch p\u0159\u00edpadech nab\u00edzej\u00ed 100% financov\u00e1n\u00ed. <div class=\"container mb-5\"><div class=\"popup_cons row\"><img decoding=\"async\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/12\/6.png\"><span class=\"popup_cons_title\">\u041f\u043e\u043c\u043e\u0436\u0435\u043c \u043e\u0444\u043e\u0440\u043c\u0438\u0442\u044c \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438<\/span><span class=\"popup_cons_subtitle\">100% \u0441\u043e\u0433\u043b\u0430\u0441\u043e\u0432\u0430\u043d\u0438\u0439 \u043d\u0430 \u0443\u0440\u043e\u0432\u043d\u0435 \u0431\u0430\u043d\u043a\u043e\u0432 \u043f\u0440\u0438 \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0435 \u0441\u043f\u0435\u0446\u0438\u0430\u043b\u0438\u0441\u0442\u0430\u043c\u0438 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438 \"Alegria\". \u041f\u043e\u0434\u0433\u043e\u0442\u043e\u0432\u0438\u043c \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u044b \u0438 \u043f\u043e\u043b\u043d\u043e\u0441\u0442\u044c\u044e \u0441\u043e\u043f\u0440\u043e\u0432\u043e\u0434\u0438\u043c \u043f\u0440\u043e\u0446\u0435\u0441\u0441.<\/span><div class=\"btn-block\"><a href=\"https:\/\/alegria-realestate.com\/cs\/service\/mortgage-in-spain\" class=\"black-btn inversion\">z\u00edskat poradenstv\u00ed<\/a><\/div><\/div><\/div> Zp\u0159\u00edsn\u011bn\u00ed po\u017eadavk\u016f je samoz\u0159ejm\u011b nep\u0159\u00edjemn\u00e9. Ale je tu n\u011bkolik dobr\u00fdch zpr\u00e1v: \u00farokov\u00e9 sazby z \u00fav\u011br\u016f jsou pr\u00e1v\u011b te\u010f neuv\u011b\u0159iteln\u011b n\u00edzk\u00e9 a o\u010dek\u00e1v\u00e1 se, \u017ee to tak n\u011bjakou dobu z\u016fstane. V\u011bt\u0161ina <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/mortgages-in-spain-for-non-residents\"><strong>hypot\u00e9k<\/strong><\/a> vydan\u00fdch ve \u0160pan\u011blsku ve 4. \u010dtvrtlet\u00ed 2017 byla vyd\u00e1na bank\u00e1m a spo\u0159iteln\u00e1m. Mal\u00e9 procento poch\u00e1z\u00ed od jin\u00fdch organizac\u00ed (spole\u010dnosti, kter\u00e9 poskytuj\u00ed p\u016fj\u010dky sv\u00fdm zam\u011bstnanc\u016fm, <a href=\"https:\/\/alegria-realestate.com\/ru\/\"><strong>v\u00fdvoj\u00e1\u0159\u016fm<\/strong><\/a> atd.). <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11817\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-001.jpg\" alt=\"\" width=\"788\" height=\"587\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-001.jpg 788w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-001-300x223.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-001-768x572.jpg 768w\" sizes=\"auto, (max-width: 788px) 100vw, 788px\" \/> Co se t\u00fd\u010de objemu finan\u010dn\u00edch prost\u0159edk\u016f, je obr\u00e1zek velmi nerovnom\u011brn\u00fd (pod\u00edv\u00e1me-li se na statistiky za autonomn\u00ed regiony). Jestli\u017ee ve Valencijsk\u00e9m spole\u010denstv\u00ed je p\u0159i <a href=\"about\/faq\/\">koupi domu<\/a> pr\u016fm\u011brn\u00fd po\u017eadovan\u00fd hypote\u010dn\u00ed \u00fav\u011br 855 EUR na metr \u010dtvere\u010dn\u00ed, v Madridu tato hodnota dosahuje 1 760 EUR\/m2. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11818\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-002.jpg\" alt=\"\" width=\"788\" height=\"579\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-002.jpg 788w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-002-300x220.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-002-768x564.jpg 768w\" sizes=\"auto, (max-width: 788px) 100vw, 788px\" \/> Takto to vypad\u00e1 na grafu rozd\u011blen\u00e9m podle \u010dtvrtlet\u00ed po\u010d\u00ednaje rokem 2004. \u010cerven\u011b jsou zobrazeny hypote\u010dn\u00ed \u00fav\u011bry od bank a spo\u0159itelen a zelen\u011b \u00fav\u011bry od jin\u00fdch instituc\u00ed. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11819\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-003.jpg\" alt=\"\" width=\"769\" height=\"433\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-003.jpg 769w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-003-300x169.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-003-768x432.jpg 768w\" sizes=\"auto, (max-width: 769px) 100vw, 769px\" \/> Pokud jde o pr\u016fm\u011brnou v\u00fd\u0161i hypote\u010dn\u00edch \u00fav\u011br\u016f ve 4. \u010dtvrtlet\u00ed 2017, ta \u010dinila cca 121 tis\u00edc \u20ac (v cel\u00e9m \u0160pan\u011blsku). Obyvatel\u00e9 Valencijsk\u00e9ho spole\u010denstv\u00ed se museli spokojit s m\u00e9n\u011b \u2013 v pr\u016fm\u011bru byli financov\u00e1ni 85 000 EUR. P\u0159i pohledu na Madrid s jeho 192 000 eury c\u00edt\u00edte jistou \u00falevu \u2013 p\u0159ece jen bydlen\u00ed na pob\u0159e\u017e\u00ed, a zejm\u00e9na na na\u0161em milovan\u00e9m <a href=\"https:\/\/alegria-realestate.com\/ru\/\"><strong>Costa Blanca<\/strong><\/a> , rodinn\u00fd rozpo\u010det tolik nezas\u00e1hne. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11820\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-004.jpg\" alt=\"\" width=\"787\" height=\"580\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-004.jpg 787w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-004-300x221.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-004-768x566.jpg 768w\" sizes=\"auto, (max-width: 787px) 100vw, 787px\" \/> Graf ukazuje, jak po poklesu v letech 2013\u20132014 hypote\u010dn\u00ed trh op\u011bt o\u017eil, a i kdy\u017e ne rychle, neust\u00e1le se pohybuje nahoru. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11821\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-005.jpg\" alt=\"\" width=\"775\" height=\"425\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-005.jpg 775w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-005-300x165.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-005-768x421.jpg 768w\" sizes=\"auto, (max-width: 775px) 100vw, 775px\" \/> Oproti 3. \u010dtvrtlet\u00ed 2017 vyk\u00e1zalo 4. \u010dtvrtlet\u00ed n\u00e1r\u016fst po\u010dtu vydan\u00fdch hypot\u00e9k t\u00e9m\u011b\u0159 ve v\u0161ech \u0161pan\u011blsk\u00fdch regionech. Co to je, to p\u0159ednovoro\u010dn\u00ed vzru\u0161en\u00ed? <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11822\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-006.jpg\" alt=\"\" width=\"741\" height=\"425\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-006.jpg 741w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-006-300x172.jpg 300w\" sizes=\"auto, (max-width: 741px) 100vw, 741px\" \/> A takto se \u00farokov\u00e1 sazba chovala za posledn\u00edch t\u0159in\u00e1ct let. Pokles, kter\u00fd za\u010dal v prvn\u00edm \u010dtvrtlet\u00ed roku 2013, se dodnes nezastavil. V\u011bt\u0161ina hypote\u010dn\u00edch \u00fav\u011br\u016f je v\u00e1z\u00e1na na ukazatel <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/what-is-euribor\"><strong>EURIBOR<\/strong><\/a> , kter\u00fd se dlouhodob\u011b pohybuje v z\u00e1porn\u00fdch hodnot\u00e1ch. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11823\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-007.jpg\" alt=\"\" width=\"775\" height=\"422\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-007.jpg 775w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-007-300x163.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-007-768x418.jpg 768w\" sizes=\"auto, (max-width: 775px) 100vw, 775px\" \/> V\u00edce ne\u017e 62 % hypot\u00e9k ve \u0160pan\u011blsku je nav\u00e1z\u00e1no na EURIBOR (European Interbank Offered Rate). Tito. V\u0161echny tyto p\u016fj\u010dky jsou poskytov\u00e1ny s pohyblivou \u00farokovou sazbou. Mal\u00e1 \u010d\u00e1st hypot\u00e9k je spojena s IRPH (pr\u016fm\u011brn\u00e1 \u00farokov\u00e1 sazba hypot\u00e9k ve \u0160pan\u011blsku) a dal\u0161\u00edmi indexy (nap\u0159. LEBOR). Zb\u00fdvaj\u00edc\u00edch 36 % hypot\u00e9k bylo s pevnou \u00farokovou sazbou. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11824\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-008.jpg\" alt=\"\" width=\"788\" height=\"579\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-008.jpg 788w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-008-300x220.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-008-768x564.jpg 768w\" sizes=\"auto, (max-width: 788px) 100vw, 788px\" \/> A stoj\u00ed za zm\u00ednku, \u017ee po\u010det p\u016fj\u010dek s pevnou \u00farokovou sazbou (modr\u00e1 na grafu) neust\u00e1le roste. A to je logick\u00e9, proto\u017ee umo\u017e\u0148uje zafixovat si dnes platnou n\u00edzkou sazbu po celou dobu spl\u00e1cen\u00ed hypot\u00e9ky a chr\u00e1nit se tak p\u0159ed mo\u017en\u00fdm rychl\u00fdm r\u016fstem index\u016f, na kter\u00e9 je pohybliv\u00e1 sazba nav\u00e1z\u00e1na (\u010derven\u00e1 barva na grafu). <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11825\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-009.jpg\" alt=\"\" width=\"768\" height=\"405\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-009.jpg 768w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-009-300x158.jpg 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/> Na jak\u00e9 obdob\u00ed se ve \u0160pan\u011blsku vyd\u00e1vaj\u00ed hypote\u010dn\u00ed \u00fav\u011bry? Kdy\u017e se pod\u00edv\u00e1te na statistiky za zemi, je to v pr\u016fm\u011bru 23-24 let. Region\u00e1ln\u00ed rozd\u00edly jsou nepatrn\u00e9. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11826\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-010.jpg\" alt=\"\" width=\"788\" height=\"580\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-010.jpg 788w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-010-300x221.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-010-768x565.jpg 768w\" sizes=\"auto, (max-width: 788px) 100vw, 788px\" \/> Vrchol d\u00e9lky \u00fav\u011bru nastal na vrcholu cen a sazeb v letech 2006-07, kdy byli lid\u00e9 nuceni \u017e\u00e1dat o \u00fav\u011bry na maxim\u00e1ln\u00ed mo\u017enou dobu, aby si n\u011bjak sn\u00ed\u017eili m\u011bs\u00ed\u010dn\u00ed kv\u00f3tu. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11827\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-011.jpg\" alt=\"\" width=\"761\" height=\"440\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-011.jpg 761w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-011-300x173.jpg 300w\" sizes=\"auto, (max-width: 761px) 100vw, 761px\" \/> Z celkov\u00e9ho obrazu vy\u010dn\u00edvaj\u00ed pouze Kan\u00e1rsk\u00e9 ostrovy a Madrid, v\u0161echny ostatn\u00ed regiony z\u016fst\u00e1vaj\u00ed z hlediska podm\u00ednek hypote\u010dn\u00edch \u00fav\u011br\u016f p\u0159ibli\u017en\u011b na stejn\u00e9 \u00farovni. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11828\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-012.jpg\" alt=\"\" width=\"769\" height=\"442\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-012.jpg 769w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-012-300x172.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-012-768x441.jpg 768w\" sizes=\"auto, (max-width: 769px) 100vw, 769px\" \/> Takto vypadaj\u00ed pr\u016fm\u011brn\u00e9 m\u011bs\u00ed\u010dn\u00ed kv\u00f3ty hypot\u00e9k ve vztahu k mzd\u00e1m. Ve Valencijsk\u00e9m spole\u010denstv\u00ed je to 416 EUR m\u011bs\u00ed\u010dn\u011b nebo 24,5 % platu. Madrid, Katal\u00e1nsko a Bale\u00e1ry vypadaj\u00ed mnohem m\u00e9n\u011b vesele. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11829\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-013.jpg\" alt=\"\" width=\"788\" height=\"579\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-013.jpg 788w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-013-300x220.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-013-768x564.jpg 768w\" sizes=\"auto, (max-width: 788px) 100vw, 788px\" \/> V letech 2007-08 Pr\u016fm\u011brn\u00e1 m\u011bs\u00ed\u010dn\u00ed sazba hypot\u00e9k se bl\u00ed\u017eila 50 %. Mus\u00edte uznat, \u017ee je to monstr\u00f3zn\u00ed postava. P\u0159idejte <a href=\"http:\/\/alegria-realestate.com\/ru\/about\/news\/property-for-sale-in-spain.html\"><strong>dan\u011b<\/strong><\/a> , <a href=\"about\/news\/soderzhanie-nedvizhimosti-v-ispanii-2018.html\">\u00fa\u010dty za energie<\/a> \u2013 a co zb\u00fdv\u00e1 na \u017eivobyt\u00ed? <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11830\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-014.jpg\" alt=\"\" width=\"778\" height=\"429\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-014.jpg 778w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-014-300x165.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-014-768x423.jpg 768w\" sizes=\"auto, (max-width: 778px) 100vw, 778px\" \/> Ve 4. \u010dtvrtlet\u00ed 2017 bylo kv\u016fli hypote\u010dn\u00edmu dluhu zabaveno p\u0159ibli\u017en\u011b 6 200 dom\u016f. Pokud jde o objem odcizen\u00e9ho majetku, Valencijsk\u00e9 spole\u010denstv\u00ed (1326) zaostalo jen m\u00edrn\u011b za Andalusi\u00ed (1685) a obsadilo druh\u00e9 m\u00edsto. Na t\u0159et\u00edm m\u00edst\u011b je Katal\u00e1nsko (1001). <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11831\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-015.jpg\" alt=\"\" width=\"746\" height=\"458\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-015.jpg 746w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-015-300x184.jpg 300w\" sizes=\"auto, (max-width: 746px) 100vw, 746px\" \/> Ale nenechte se t\u011bmito \u010d\u00edsly vyd\u011bsit. V celost\u00e1tn\u00edm m\u011b\u0159\u00edtku obr\u00e1zek nevypad\u00e1 tak d\u011bsiv\u011b ve srovn\u00e1n\u00ed s rokem 2014, kdy byl vrchol zat\u010den\u00ed. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11832\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-016.jpg\" alt=\"\" width=\"793\" height=\"444\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-016.jpg 793w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-016-300x168.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-016-768x430.jpg 768w\" sizes=\"auto, (max-width: 793px) 100vw, 793px\" \/> Nav\u00edc v\u00edce ne\u017e polovina zat\u010den\u00ed za posledn\u00edch \u0161est m\u011bs\u00edc\u016f se t\u00fdkala majetku pr\u00e1vnick\u00fdch osob. Tito. Hovo\u0159\u00edme p\u0159edev\u0161\u00edm o zkrachoval\u00fdch developerech, jejich\u017e \u010dinnost financovaly banky. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11833\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-017.jpg\" alt=\"\" width=\"781\" height=\"465\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-017.jpg 781w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-017-300x179.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-017-768x457.jpg 768w\" sizes=\"auto, (max-width: 781px) 100vw, 781px\" \/> Pokud jde o cizince, jejich pod\u00edl na celkov\u00e9m objemu zaji\u0161t\u011bn\u00e9ho majetku je pouze 4\u20135 %. Tito. Zahrani\u010dn\u00ed dlu\u017en\u00edci se sna\u017e\u00ed spl\u00e1cet sv\u00e9 hypot\u00e9ky a\u017e do sam\u00e9ho konce. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11834\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-018.jpg\" alt=\"\" width=\"748\" height=\"444\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-018.jpg 748w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-018-300x178.jpg 300w\" sizes=\"auto, (max-width: 748px) 100vw, 748px\" \/> Sn\u00ed\u017eil se i po\u010det dobrovoln\u00fdch odm\u00edtnut\u00ed spl\u00e1cen\u00ed hypot\u00e9k a p\u0159ed\u00e1n\u00ed kl\u00ed\u010d\u016f bance. Oproti roku 2015 t\u00e9m\u011b\u0159 3x. <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11835\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-019.jpg\" alt=\"\" width=\"856\" height=\"480\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-019.jpg 856w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-019-300x168.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-019-768x431.jpg 768w\" sizes=\"auto, (max-width: 856px) 100vw, 856px\" \/> Cizinci odm\u00edtaj\u00ed hypot\u00e9ky 8x m\u00e9n\u011b \u010dasto ne\u017e \u0160pan\u011bl\u00e9. Na 10. m\u00edst\u011b v \u017eeb\u0159\u00ed\u010dku odm\u00edtnut\u00fdch jsou ob\u010dan\u00e9 Ukrajiny (0,22 % z celkov\u00e9ho po\u010dtu odm\u00edtnut\u00fdch), Rusov\u00e9 se nedostali ani do prvn\u00ed dvac\u00edtky. Celkov\u011b obr\u00e1zek vypad\u00e1 jako graf (odm\u00edtnut\u00ed cizinc\u016f vz\u00edt si hypot\u00e9ku je zv\u00fdrazn\u011bno mod\u0159e). <img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11836\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-020.jpg\" alt=\"\" width=\"865\" height=\"532\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-020.jpg 865w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-020-300x185.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/02\/Hipoteca-020-768x472.jpg 768w\" sizes=\"auto, (max-width: 865px) 100vw, 865px\" \/> Douf\u00e1me, \u017ee n\u00e1\u0161 p\u0159ehled \u0161pan\u011blsk\u00e9ho hypote\u010dn\u00edho trhu na z\u00e1klad\u011b statistick\u00fdch \u00fadaj\u016f v\u00e1m umo\u017en\u00ed l\u00e9pe posoudit situaci. N\u011bkdy je pom\u011brn\u011b t\u011b\u017ek\u00e9 rozhodnout se o hypote\u010dn\u00edm \u00fav\u011bru, ani\u017e bychom vid\u011bli v\u00fdvoj trhu v dynamice, ani\u017e bychom pochopili, zda je r\u016fst \u010di pokles n\u011bkter\u00fdch ukazatel\u016f do\u010dasn\u00fd, nebo naopak stabiln\u00ed v r\u00e1mci dlouhodob\u00e9ho trendu. A\u0165 je to jakkoli, hypote\u010dn\u00ed \u00fav\u011br ve \u0160pan\u011blsku umo\u017e\u0148uje mnoha rodin\u00e1m vy\u0159e\u0161it sv\u016fj probl\u00e9m s bydlen\u00edm a po\u0159\u00eddit si <a href=\"https:\/\/alegria-realestate.com\/ru\/\"><strong>vlastn\u00ed bydlen\u00ed<\/strong><\/a> . Pokud si vyberete na\u0161i nemovitost, pom\u016f\u017eeme v\u00e1m p\u0159ipravit ve\u0161ker\u00e9 podklady pro hypot\u00e9ku a z\u00edskat \u00fav\u011br za pro v\u00e1s nejv\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek.<\/p>","protected":false},"excerpt":{"rendered":"<p>Specialist\u00e9 ze spole\u010dnosti &quot;Alegria&quot; ned\u00e1vno shrnuli stav realitn\u00edho trhu\u2026<\/p>\n","protected":false},"author":1,"featured_media":11817,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,957],"tags":[],"class_list":["post-11816","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-mortgage-in-spain"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hypot\u00e9ky ve \u0160pan\u011blsku: P\u0159ehled trhu za posledn\u00ed rok<\/title>\n<meta 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