{"id":1876495,"date":"2026-09-25T18:01:27","date_gmt":"2026-09-25T15:01:27","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=1876495"},"modified":"2026-09-25T18:01:27","modified_gmt":"2026-09-25T15:01:27","slug":"germans-lead-foreign-mortgage-applications-in-spain","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/cs\/articles\/news\/germans-lead-foreign-mortgage-applications-in-spain","title":{"rendered":"N\u011bmci vedou mezi cizinci v \u017e\u00e1dostech o hypot\u00e9ku ve \u0160pan\u011blsku"},"content":{"rendered":"<p>Podle port\u00e1lu idealista \u017e\u00e1daj\u00ed mezi cizinci o hypote\u010dn\u00ed \u00fav\u011bry ve \u0160pan\u011blsku nej\u010dast\u011bji N\u011bmci. Ve druh\u00e9m \u010dtvrtlet\u00ed tohoto roku na n\u011b p\u0159ipadlo v\u00edce ne\u017e 15% \u017e\u00e1dost\u00ed od nerezident\u016f.<\/p>\n<p>N\u00e1sleduj\u00ed Britov\u00e9 \u2013 10,6%, \u0160v\u00fdca\u0159i \u2013 9,4%, Francouzi \u2013 9,1%, Nizozemci \u2013 8,3%, Ameri\u010dan\u00e9 \u2013 5,9%, Irov\u00e9 \u2013 4,5%, Belgi\u010dan\u00e9 \u2013 3,6%, \u0160v\u00e9dov\u00e9 \u2013 3,6% \u2013 a Italov\u00e9 \u2013 2,3%.<\/p>\n<h2>Nerezidenti tvo\u0159\u00ed 3% hypote\u010dn\u00ed popt\u00e1vky<\/h2>\n<p>Celkov\u011b \u017e\u00e1dosti o hypot\u00e9ku podan\u00e9 nerezidenty p\u0159edstavovaly v obdob\u00ed od dubna do \u010dervna 3%.<\/p>\n<p>81,8% p\u0159ipadlo na koupi prvn\u00edho bydlen\u00ed, 8,9% na druh\u00e9 bydlen\u00ed a 4,5% na zlep\u0161en\u00ed podm\u00ednek ji\u017e uzav\u0159en\u00fdch hypote\u010dn\u00edch smluv.<\/p>\n<p>Jejich pod\u00edl na uzav\u0159en\u00fdch transakc\u00edch, kter\u00fdch se \u00fa\u010dastnil hypote\u010dn\u00ed makl\u00e9\u0159 idealista, \u010dinil ve druh\u00e9m \u010dtvrtlet\u00ed tak\u00e9 3%.<\/p>\n<p>Z\u00e1rove\u0148 bylo 84,5% financov\u00e1n\u00ed ur\u010deno na koupi hlavn\u00edho bydlen\u00ed, 6,9% na zlep\u0161en\u00ed podm\u00ednek ji\u017e platn\u00fdch \u00fav\u011br\u016f a 4,8% na po\u0159\u00edzen\u00ed druh\u00e9ho domu.<\/p>\n<h2>Valencijsk\u00e9 spole\u010denstv\u00ed vede v \u017e\u00e1dostech od cizinc\u016f<\/h2>\n<p>P\u0159ev\u00e1\u017en\u00e1 v\u011bt\u0161ina \u017e\u00e1dost\u00ed nerezident\u016f o hypot\u00e9ku na koupi bydlen\u00ed poch\u00e1z\u00ed ze st\u0159edomo\u0159sk\u00e9ho pob\u0159e\u017e\u00ed.<\/p>\n<p>Na Valencijsk\u00e9 autonomn\u00ed spole\u010denstv\u00ed p\u0159ipad\u00e1 t\u00e9m\u011b\u0159 t\u0159etina popt\u00e1vky \u2013 32,3%, n\u00e1sledovan\u00e9 Andalusi\u00ed a Katal\u00e1nskem s 19,9% a 14%.<\/p>\n<p>Dal\u0161\u00edmi v\u00fdznamn\u00fdmi regiony jsou autonomn\u00ed spole\u010denstv\u00ed Madrid \u2013 6,5%, Kan\u00e1rsk\u00e9 ostrovy \u2013 6,3%, Bale\u00e1rsk\u00e9 ostrovy \u2013 5,8% \u2013 a Murcie \u2013 5,4%.<\/p>\n<p>Pod\u00edl ostatn\u00edch autonomn\u00edch spole\u010denstv\u00ed je ni\u017e\u0161\u00ed ne\u017e 2% celkov\u00e9ho objemu.<\/p>\n<p>Z\u00e1jem cizinc\u016f o pob\u0159e\u017e\u00ed kontrastuje s popt\u00e1vkou po hypot\u00e9k\u00e1ch ze strany m\u00edstn\u00edch spot\u0159ebitel\u016f, kde hlavn\u00edmi centry jsou Madrid \u2013 16,7%, Barcelona \u2013 13,1%, Valencia \u2013 7,8% \u2013 a Alicante \u2013 5,6%.<\/p>\n<h2>Pr\u016fm\u011brn\u00e1 kupn\u00ed cena u nerezident\u016f p\u0159evy\u0161uje celost\u00e1tn\u00ed pr\u016fm\u011br<\/h2>\n<p>Podle zpr\u00e1vy \u010din\u00ed kupn\u00ed cena po\u017eadovan\u00e1 nerezidenty 265 093 eur, co\u017e je o 3,6% v\u00edce ne\u017e na ja\u0159e 2025 a v\u00edce ne\u017e celost\u00e1tn\u00ed pr\u016fm\u011br 207 569 eur.<\/p>\n<p>T\u00e9m\u011b\u0159 70% \u017e\u00e1dost\u00ed se v\u0161ak t\u00fdk\u00e1 \u010d\u00e1stek ni\u017e\u0161\u00edch ne\u017e 200 000 eur, zat\u00edmco pouze 2,7% \u017e\u00e1dost\u00ed o financov\u00e1n\u00ed sm\u011b\u0159uje ke koupi <a href=\"https:\/\/alegria-realestate.com\/cs\/sale\">nemovitosti ve \u0160pan\u011blsku<\/a> v hodnot\u011b p\u0159es p\u016fl milionu eur.<\/p>\n<h2>P\u0159\u00edjmy zahrani\u010dn\u00edch \u017eadatel\u016f jsou dvojn\u00e1sobn\u00e9 oproti celost\u00e1tn\u00edmu pr\u016fm\u011bru<\/h2>\n<p>Pokud jde o disponibiln\u00ed p\u0159\u00edjem cizinc\u016f \u017e\u00e1daj\u00edc\u00edch o hypot\u00e9ku, t\u00e9m\u011b\u0159 polovina p\u0159esahuje 6000 eur m\u011bs\u00ed\u010dn\u011b.<\/p>\n<p>Pr\u016fm\u011br ve druh\u00e9m \u010dtvrtlet\u00ed roku \u010dinil 6779 eur, co\u017e je dvojn\u00e1sobek celost\u00e1tn\u00edho pr\u016fm\u011bru 3385 eur na dom\u00e1cnost.<\/p>\n<p>Z\u00e1rove\u0148 existuj\u00ed v\u00fdrazn\u00e9 rozd\u00edly podle st\u00e1tn\u00ed p\u0159\u00edslu\u0161nosti.<\/p>\n<p>V\u00fdrazn\u011b se odli\u0161uj\u00ed \u017eadatel\u00e9 ze \u0160v\u00fdcarska s pr\u016fm\u011brem p\u0159es 9300 eur m\u011bs\u00ed\u010dn\u011b na dom\u00e1cnost a ze Spojen\u00fdch st\u00e1t\u016f \u2013 8514 eur.<\/p>\n<p>V horn\u00ed \u010d\u00e1sti \u017eeb\u0159\u00ed\u010dku se nach\u00e1zej\u00ed tak\u00e9 ob\u010dan\u00e9 Spojen\u00e9ho kr\u00e1lovstv\u00ed \u2013 6977 eur, Irska \u2013 6669 eur \u2013 a \u0160v\u00e9dska \u2013 6601 eur.<\/p>\n<p>Pod hranic\u00ed 6600 eur m\u011bs\u00ed\u010dn\u011b jsou \u017eadatel\u00e9 z N\u011bmecka a Nizozemska, zat\u00edmco t\u0159i zem\u011b s nejni\u017e\u0161\u00edmi pr\u016fm\u011bry jsou Belgie \u2013 5889 eur, Francie \u2013 5845 eur \u2013 a It\u00e1lie \u2013 5249 eur.<\/p>\n<h2>Po\u017eadovan\u00e9 financov\u00e1n\u00ed se sn\u00ed\u017eilo<\/h2>\n<p>Z\u00e1rove\u0148 se sn\u00ed\u017eil pod\u00edl financov\u00e1n\u00ed po\u017eadovan\u00e9ho na koupi bydlen\u00ed: v pr\u016fm\u011bru \u010dinil 68% oproti 71\u201375% v p\u0159edchoz\u00edch \u010dtvrtlet\u00edch.<\/p>\n<p>Klesla tak\u00e9 m\u00edra zadlu\u017een\u00ed, proto\u017ee spl\u00e1tky hypot\u00e9ky p\u0159edstavuj\u00ed 23% p\u0159\u00edjm\u016f \u2013 nejni\u017e\u0161\u00ed hodnotu za posledn\u00ed rok a o 4% m\u00e9n\u011b ne\u017e v prvn\u00edch t\u0159ech m\u011bs\u00edc\u00edch roku 2026.<\/p>\n<h2>Uzav\u0159en\u00e9 transakce ukazuj\u00ed vy\u0161\u0161\u00ed profil kupuj\u00edc\u00edch<\/h2>\n<p>Studie idealista tak\u00e9 analyzuje p\u0159\u00edjmy, kupn\u00ed cenu a pr\u016fm\u011brnou m\u00edru zadlu\u017een\u00ed t\u011bch zahrani\u010dn\u00edch nerezident\u016f, kte\u0159\u00ed nakonec hypote\u010dn\u00ed \u00fav\u011br uzav\u0159ou.<\/p>\n<p>Tyto ukazatele v\u00fdrazn\u011b p\u0159evy\u0161uj\u00ed pr\u016fm\u011brn\u00e9 hodnoty \u017e\u00e1dost\u00ed podan\u00fdch cizinci celkov\u011b.<\/p>\n<p>Nap\u0159\u00edklad pr\u016fm\u011brn\u00fd p\u0159\u00edjem dom\u00e1cnost\u00ed dosahuje 10 320 eur m\u011bs\u00ed\u010dn\u011b, zat\u00edmco cena po\u0159izovan\u00e9 nemovitosti se bl\u00ed\u017e\u00ed 403 000 eur\u016fm.<\/p>\n<p>V\u00fd\u0161e \u00fav\u011br\u016f se pohybuje kolem 235 000 eur, co\u017e v tomto p\u0159\u00edpad\u011b znamen\u00e1 n\u00e1r\u016fst o 15% oproti p\u0159edchoz\u00edmu roku.<\/p>\n<p>Jak cena po\u0159izovan\u00e9ho bydlen\u00ed, tak v\u00fd\u0161e hypote\u010dn\u00edch \u00fav\u011br\u016f dos\u00e1hly maxim\u00e1ln\u00edch hodnot za cel\u00e9 sledovan\u00e9 obdob\u00ed hypote\u010dn\u00edho makl\u00e9\u0159e idealista, kter\u00fd zah\u00e1jil \u010dinnost v roce 2022.<\/p>\n<p>Pokud jde o pr\u016fm\u011brn\u00fd v\u011bk zahrani\u010dn\u00edch nerezidentn\u00edch dlu\u017en\u00edk\u016f, podle \u00fadaj\u016f o uzav\u0159en\u00fdch transakc\u00edch \u010din\u00ed 41 let \u2013 o t\u0159i roky m\u00e9n\u011b ne\u017e u pr\u016fm\u011brn\u00e9ho \u017eadatele.<\/p>\n<p>Pr\u016fm\u011brn\u00e9 financov\u00e1n\u00ed \u010din\u00ed 62% kupn\u00ed ceny a m\u00edra zadlu\u017een\u00ed 24%.<\/p>\n<p>Pouze u 12,8% smluv je ukazatel Loan to Value mezi 70% a 80%.<\/p>\n<p>Jasn\u00fdmi l\u00eddry trhu jsou \u00fav\u011bry s pevnou sazbou, kter\u00e9 tvo\u0159\u00ed 85% transakc\u00ed. Mezi nerezidenty nebyly ve druh\u00e9m \u010dtvrtlet\u00ed zastoupeny hypot\u00e9ky s variabiln\u00ed sazbou.<\/p>","protected":false},"excerpt":{"rendered":"<p>Podle port\u00e1lu idealista \u017e\u00e1daj\u00ed mezi cizinci o hypote\u010dn\u00ed \u00fav\u011bry\u2026<\/p>\n","protected":false},"author":34,"featured_media":1876496,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":["post-1876495","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>N\u011bmci vedou mezi cizinci v po\u010dtu \u017e\u00e1dost\u00ed o hypot\u00e9ku ve \u0160pan\u011blsku<\/title>\n<meta name=\"description\" content=\"Podle idealista\/hipotecas pod\u00e1vali N\u011bmci ve druh\u00e9m \u010dtvrtlet\u00ed 2026 mezi zahrani\u010dn\u00edmi nerezidenty nejv\u00edce \u017e\u00e1dost\u00ed o hypot\u00e9ku ve \u0160pan\u011blsku a tvo\u0159ili 15,6% v\u0161ech \u017e\u00e1dost\u00ed.\" \/>\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\/1876495\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"N\u011bmci vedou mezi cizinci v po\u010dtu \u017e\u00e1dost\u00ed o hypot\u00e9ku ve \u0160pan\u011blsku\" \/>\n<meta property=\"og:description\" content=\"Podle idealista\/hipotecas pod\u00e1vali N\u011bmci ve druh\u00e9m \u010dtvrtlet\u00ed 2026 mezi zahrani\u010dn\u00edmi nerezidenty nejv\u00edce \u017e\u00e1dost\u00ed o hypot\u00e9ku ve \u0160pan\u011blsku a tvo\u0159ili 15,6% v\u0161ech \u017e\u00e1dost\u00ed.\" \/>\n<meta property=\"og:url\" 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