{"id":150004,"date":"2020-03-05T13:04:06","date_gmt":"2020-03-05T10:04:06","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=150004"},"modified":"2025-08-14T20:04:20","modified_gmt":"2025-08-14T17:04:20","slug":"mortgage-in-spain-forecasts-2020","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/cs\/articles\/mortgage-in-spain-forecasts-2020","title":{"rendered":"Vlastnosti hypot\u00e9k ve \u0160pan\u011blsku: v\u00fdsledky roku 2019 a trendy roku 2020"},"content":{"rendered":"

\u0160pan\u011blsk\u00fd n\u00e1rodn\u00ed statistick\u00fd \u00fa\u0159ad (INE) zve\u0159ejnil \u00fadaje o hypot\u00e9k\u00e1ch za rok 2019. Podle informac\u00ed uveden\u00fdch ve zpr\u00e1v\u011b INE bylo v roce 2019 ve \u0160pan\u011blsku vyd\u00e1no 357 720 hypot\u00e9k, o 2,7 % v\u00edce ne\u017e v roce 2018. Je to tak\u00e9 nejlep\u0161\u00ed ro\u010dn\u00ed v\u00fdsledek od roku 2011, a to navzdory zpomaluj\u00edc\u00ed ekonomice a nov\u00e9mu hypote\u010dn\u00edmu z\u00e1konu.<\/p>\n

Vlastnosti hypot\u00e9k ve \u0160pan\u011blsku v roce 2019: nov\u00fd z\u00e1kon<\/h2>\n

P\u0159ijet\u00ed nov\u00e9ho hypote\u010dn\u00edho z\u00e1kona<\/a> na za\u010d\u00e1tku l\u00e9ta 2019 m\u011blo negativn\u00ed dopad na ukazatele poskytov\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f bankami, ale situace se postupn\u011b za\u010dala stabilizovat a ji\u017e v prosinci bylo podeps\u00e1no 30 285 hypot\u00e9k (meziro\u010dn\u011b +34 %). Skromn\u00e9 ukazatele hypote\u010dn\u00edch \u00fav\u011br\u016f v roce 2019 jsou podle odborn\u00edk\u016f spojeny nejen s p\u0159ijet\u00edm nov\u00e9ho z\u00e1kona a zpomalen\u00edm ekonomiky, ale tak\u00e9 s t\u00edm, \u017ee p\u0159\u00edli\u0161 mnoho hypot\u00e9k d\u0159\u00edve vyd\u00e1valo mal\u00e9 mno\u017estv\u00ed finan\u010dn\u00edch instituc\u00ed. Pokud jde o nov\u00fd z\u00e1kon o hypot\u00e9k\u00e1ch, podle \u0160pan\u011blsk\u00e9 bankovn\u00ed asociace (AEB) \u00fadaje za posledn\u00ed m\u011bs\u00edc roku 2019 potvrzuj\u00ed, \u017ee pokles zaznamenan\u00fd od \u010dervna (tedy od okam\u017eiku p\u0159ijet\u00ed na\u0159\u00edzen\u00ed) do listopadu byl zp\u016fsoben adapta\u010dn\u00edm obdob\u00edm: t\u011bchto n\u011bkolik m\u011bs\u00edc\u016f bylo pot\u0159eba, aby se banky p\u0159izp\u016fsobily nov\u00fdm podm\u00ednk\u00e1m a po\u017eadavk\u016fm. Po tomto obdob\u00ed se hypote\u010dn\u00ed trh ve \u0160pan\u011blsku op\u011bt vr\u00e1til na cestu sebev\u011bdom\u00e9ho r\u016fstu.<\/p>\n

Vlastnosti hypot\u00e9k ve \u0160pan\u011blsku v roce 2019: fixn\u00ed hypot\u00e9ky dob\u00fdvaj\u00ed trh <\/h2>\n

\"Vlastnosti Dal\u0161\u00edm d\u016fle\u017eit\u00fdm bodem zaznamenan\u00fdm ve statistik\u00e1ch je postupn\u00e9 posilov\u00e1n\u00ed pozice fixn\u00edch hypote\u010dn\u00edch \u00fav\u011br\u016f. V prosinci 2019 tvo\u0159ily 44 % v\u0161ech vydan\u00fdch hypot\u00e9k, zat\u00edmco v \u0159\u00edjnu t\u00e9ho\u017e roku bylo dosa\u017eeno historick\u00e9ho rekordu 45 %. V pr\u016fb\u011bhu roku 2019 bylo podeps\u00e1no 147 500 fixn\u00edch hypot\u00e9k, podle \u00fadaj\u016f INE. Na druhou stranu se pr\u016fm\u011brn\u00e1 v\u00fd\u0161e hypote\u010dn\u00edho \u00fav\u011bru v roce 2019 sn\u00ed\u017eila o 4,2 %, p\u0159i\u010dem\u017e pr\u016fm\u011brn\u00e1 sazba hypot\u00e9k z\u016fst\u00e1v\u00e1 k prosinci 2019 na historick\u00e9m minimu 2,53 % ro\u010dn\u011b.<\/p>\n

Vlastnosti hypot\u00e9k ve \u0160pan\u011blsku: trendy v roce 2020<\/h2>\n

Pokud jde o progn\u00f3zy na rok 2020<\/a> , odborn\u00edci se domn\u00edvaj\u00ed, \u017ee hodn\u011b bude z\u00e1le\u017eet na \u00farovni indexu Eur\u00edbor<\/a> . Dokud index z\u016fstane v negativn\u00edm poli, hypot\u00e9ky s diferencovan\u00fdmi sazbami z\u016fstanou velmi \u017e\u00e1dan\u00e9, zejm\u00e9na pokud jde o p\u016fj\u010dky na 10-15 let. Od ledna 2020 je sazba Eur\u00edbor na -0,253 %, co\u017e znamen\u00e1 \u00fasporu na m\u011bs\u00ed\u010dn\u00edch spl\u00e1tk\u00e1ch hypot\u00e9ky pro ty, kter\u00fdm se hypot\u00e9ky p\u0159epo\u010d\u00edt\u00e1vaj\u00ed v lednu. Za zm\u00ednku stoj\u00ed, \u017ee a\u010dkoli je Eur\u00edbor od srpna 2019, kdy bylo zaznamen\u00e1no jeho historick\u00e9 minimum (-0,356 %), st\u00e1le v z\u00e1porn\u00e9m p\u00e1smu, ukazatel za\u010dal stoupat.<\/p>\n

Jakou hypot\u00e9ku si vybrat v roce 2020 \u2013 s pevnou nebo diferencovanou sazbou? <\/h2>\n

\"Vlastnosti Odborn\u00edci rad\u00ed zvolit typ hypot\u00e9ky<\/a> v z\u00e1vislosti na d\u00e9lce \u00fav\u011bru. Podle aktu\u00e1ln\u00edch progn\u00f3z nezaznamen\u00e1 index v\u00fdrazn\u011bj\u0161\u00ed v\u00fdkyvy minim\u00e1ln\u011b v n\u00e1sleduj\u00edc\u00edch t\u0159ech letech. Hypot\u00e9ky s diferencovan\u00fdmi sazbami tak budou dobrou volbou pro \u00fav\u011bry se splatnost\u00ed krat\u0161\u00ed ne\u017e 10 let. V takov\u00e9m p\u0159\u00edpad\u011b je pot\u0159eba pe\u010dliv\u011b prostudovat podm\u00ednky p\u0159ed\u010dasn\u00e9ho splacen\u00ed, kter\u00e9 banka nab\u00edz\u00ed. Naopak u dlouhodob\u011bj\u0161\u00edch \u00fav\u011br\u016f je preferovanou variantou fixn\u00ed hypot\u00e9ka, kter\u00e1 zajist\u00ed stabilitu a jistotu.

\u041f\u043e\u043c\u043e\u0436\u0435\u043c \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438<\/span>\u041e\u043a\u0430\u0437\u044b\u0432\u0430\u0435\u043c \u0443\u0441\u043b\u0443\u0433\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u043f\u043e \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u044e \u0438\u043f\u043e\u0442\u0435\u043a\u0438: \u043e\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u043b\u044f\u0435\u043c \u043f\u043e\u0434\u0431\u043e\u0440 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438 \u0438 \u043f\u043e\u043b\u043d\u0443\u044e \u043f\u043e\u0434\u0433\u043e\u0442\u043e\u0432\u043a\u0443 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u043e\u0432 \u0434\u043b\u044f \u043e\u0444\u043e\u0440\u043c\u043b\u0435\u043d\u0438\u044f \u0438\u043f\u043e\u0442\u0435\u043a\u0438. \u0412\u044b \u043f\u0440\u0438\u043e\u0431\u0440\u0435\u0442\u0430\u0435\u0442\u0435 \u0436\u0438\u043b\u044c\u0435 \u043d\u0430 \u0432\u044b\u0433\u043e\u0434\u043d\u044b\u0445 \u0443\u0441\u043b\u043e\u0432\u0438\u044f\u0445. <\/span>
z\u00edskat poradenstv\u00ed<\/a><\/div><\/div><\/div> Toto jsou v\u0161ak velmi pr\u016fm\u011brn\u00e9 \u00fadaje a rady, proto\u017ee v ka\u017ed\u00e9m konkr\u00e9tn\u00edm p\u0159\u00edpad\u011b by m\u011bla b\u00fdt provedena d\u016fkladn\u00e1 studie v\u0161ech mo\u017en\u00fdch faktor\u016f. V\u00fdb\u011br hypot\u00e9ky<\/a> , kter\u00e1 nejl\u00e9pe odpov\u00edd\u00e1 va\u0161\u00ed situaci, je proto nejlep\u0161\u00ed sv\u011b\u0159it profesion\u00e1lovi s bohat\u00fdmi zku\u0161enostmi a dobrou znalost\u00ed trhu.<\/p>\n

Vlastnosti hypot\u00e9k ve \u0160pan\u011blsku: Euribor Plus \u2013 nejo\u010dek\u00e1van\u011bj\u0161\u00ed inovace roku 2020<\/h2>\n

Od konce roku 2019 trh \u010dek\u00e1 na vstup v platnost indexu Euribor Plus, kter\u00fd bude novou verz\u00ed sou\u010dasn\u00e9ho Euriboru. Pro v\u00fdpo\u010det sazby Euribor Plus budou pou\u017eita data od v\u011bt\u0161\u00edho po\u010dtu finan\u010dn\u00edch a vl\u00e1dn\u00edch instituc\u00ed. P\u0159esn\u00e9 datum vstupu Euribor Plus v platnost je\u0161t\u011b nebylo ozn\u00e1meno, ale ji\u017e nyn\u00ed se v\u00ed, \u017ee prvn\u00ed m\u011bs\u00edce po jeho spu\u0161t\u011bn\u00ed budou obdob\u00edm testov\u00e1n\u00ed jeho \u00fa\u010dinnosti. P\u0159ipome\u0148me, \u017ee spole\u010dnost Alegr\u00eda poskytuje sv\u00fdm klient\u016fm 100% schv\u00e1len\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f na bankovn\u00ed \u00farovni po p\u0159edb\u011b\u017en\u00e9 anal\u00fdze podklad\u016f<\/a> na\u0161imi odborn\u00edky. Katalog nemovitost\u00ed Alegr\u00eda si m\u016f\u017eete prohl\u00e9dnout zde<\/a> .<\/p>","protected":false},"excerpt":{"rendered":"

\u0160pan\u011blsk\u00fd n\u00e1rodn\u00ed statistick\u00fd \u00fa\u0159ad (INE) zve\u0159ejnil \u00fadaje o hypot\u00e9k\u00e1ch\u2026<\/p>\n","protected":false},"author":18,"featured_media":150006,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,957],"tags":[],"class_list":["post-150004","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-mortgage-in-spain"],"yoast_head":"\n\u041e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443: \u0438\u0442\u043e\u0433\u0438 \u0433\u043e\u0434\u0430, \u0441\u0442\u0430\u0432\u043a\u0438, \u043c\u043d\u0435\u043d\u0438\u044f \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u043e\u0432<\/title>\n<meta name=\"description\" content=\"\u041f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u0434\u0430\u043d\u043d\u044b\u0435 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0433\u043e \u0440\u044b\u043d\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438, \u0438\u0442\u043e\u0433\u0438 2019 \u0433\u043e\u0434\u0430 \u0438 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0438 2020-\u0433\u043e. \u041e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438: \u0437\u043d\u0430\u0447\u0435\u043d\u0438\u0435 \u0441\u0442\u0430\u0432\u043a\u0438 Eur\u00edbor, \u0432\u0432\u0435\u0434\u0435\u043d\u0438\u0435 Euribor Plus, \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0441 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0438 \u0434\u0438\u0444\u0444\u0435\u0440\u0435\u043d\u0446\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u043e\u0439. \u0421\u043e\u0432\u0435\u0442\u044b \u0438 \u043f\u0440\u043e\u0433\u043d\u043e\u0437\u044b \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u043e\u0432.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alegria-realestate.com\/cs\/wp-json\/wp\/v2\/posts\/150004\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u041e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443: \u0438\u0442\u043e\u0433\u0438 \u0433\u043e\u0434\u0430, \u0441\u0442\u0430\u0432\u043a\u0438, \u043c\u043d\u0435\u043d\u0438\u044f \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u043e\u0432\" \/>\n<meta property=\"og:description\" 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