{"id":497652,"date":"2023-04-24T13:02:48","date_gmt":"2023-04-24T10:02:48","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=497652"},"modified":"2025-08-14T21:35:52","modified_gmt":"2025-08-14T18:35:52","slug":"all-about-mortgage-rates-in-spain-in-2023","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/cs\/articles\/all-about-mortgage-rates-in-spain-in-2023","title":{"rendered":"Sazby hypot\u00e9k ve \u0160pan\u011blsku v roce 2023"},"content":{"rendered":"<p>Druh\u00e1 polovina roku 2022 a za\u010d\u00e1tek roku 2023 byly ve \u0160pan\u011blsku ve znamen\u00ed v\u00fdrazn\u00e9ho n\u00e1r\u016fstu hypote\u010dn\u00edch sazeb, pohybliv\u00fdch i fixn\u00edch. A p\u0159esto popt\u00e1vka po hypote\u010dn\u00edch \u00fav\u011brech nekles\u00e1. Podle N\u00e1rodn\u00edho statistick\u00e9ho \u00fa\u0159adu \u0160pan\u011blska pr\u016fm\u011brn\u00fd hypote\u010dn\u00ed \u00fav\u011br na za\u010d\u00e1tku roku 2023 p\u0159es\u00e1hl 142 tis\u00edc eur a pr\u016fm\u011brn\u00e1 sazba byla 2,65 %. A pokud to srovn\u00e1me se za\u010d\u00e1tkem roku 2022, popt\u00e1vka po hypot\u00e9k\u00e1ch vzrostla o t\u00e9m\u011b\u0159 3 %. Navzdory ekonomick\u00e9 krizi, inflaci, rostouc\u00edm cen\u00e1m nemovitost\u00ed a dal\u0161\u00edho zbo\u017e\u00ed z\u016fst\u00e1v\u00e1 pro v\u011bt\u0161inu \u0161pan\u011blsk\u00fdch rodin hypot\u00e9ka jedinou mo\u017enost\u00ed, jak si po\u0159\u00eddit vlastn\u00ed bydlen\u00ed. A \u0160pan\u011bl\u00e9 z\u016fst\u00e1vaj\u00ed hlavn\u00edmi klienty \u0161pan\u011blsk\u00fdch bank a hlavn\u00edmi p\u0159\u00edjemci financ\u00ed na n\u00e1kup nemovitost\u00ed. Velk\u00e9 banky, kter\u00e9 zauj\u00edmaj\u00ed vedouc\u00ed postaven\u00ed na trhu (nap\u0159\u00edklad Banco Santander, BBVA a dal\u0161\u00ed), vyv\u00edjej\u00ed dopl\u0148kov\u00e9 programy hypote\u010dn\u00edho financov\u00e1n\u00ed pro mlad\u00e9 lidi, kter\u00e9 nab\u00edzej\u00ed nejv\u00fdhodn\u011bj\u0161\u00ed hypote\u010dn\u00ed podm\u00ednky pro koupi prvn\u00edho bydlen\u00ed. V\u00fdb\u011br banky v\u017edy z\u016fst\u00e1v\u00e1 na klientovi, pokud se nejedn\u00e1 o n\u00e1kup bankovn\u00ed nemovitosti. V druh\u00e9m p\u0159\u00edpad\u011b hypot\u00e9ku vyd\u00e1v\u00e1 banka, v jej\u00ed\u017e rozvaze se nemovitost nach\u00e1z\u00ed. Ve v\u0161ech ostatn\u00edch p\u0159\u00edpadech m\u00e1 dlu\u017en\u00edk \u00faplnou svobodu volby. A samoz\u0159ejm\u011b t\u00e9m\u011b\u0159 v\u017edy je rozhoduj\u00edc\u00ed velikost hypote\u010dn\u00edch sazeb. Sazby hypot\u00e9k ve \u0160pan\u011blsku v roce 2023 se mezi r\u016fzn\u00fdmi bankami v\u00fdrazn\u011b li\u0161\u00ed. Aktu\u00e1ln\u00ed informace naleznete v\u017edy na ofici\u00e1ln\u00edch str\u00e1nk\u00e1ch bank a tam si pomoc\u00ed hypote\u010dn\u00ed kalkula\u010dky m\u016f\u017eete ud\u011blat p\u0159ibli\u017enou kalkulaci v z\u00e1vislosti na cen\u011b nemovitosti a dob\u011b financov\u00e1n\u00ed. Porovnejme podm\u00ednky nejv\u011bt\u0161\u00edch \u0161pan\u011blsk\u00fdch bank pro hypot\u00e9ky s pohybliv\u00fdmi, fixn\u00edmi a sm\u00ed\u0161en\u00fdmi \u00farokov\u00fdmi sazbami. V sou\u010dasn\u00e9 dob\u011b jsou pohybliv\u00e9 \u00farokov\u00e9 sazby v\u00e1z\u00e1ny na ukazatel Euribor.<\/p>\n<h2> Banco Sabadell: Sazby hypot\u00e9k v roce 2023<\/h2>\n<p> Banco Sabadell v sou\u010dasnosti nab\u00edz\u00ed hypot\u00e9ky s variabiln\u00edmi a fixn\u00edmi \u00farokov\u00fdmi sazbami. Existuje flexibiln\u00ed bonusov\u00fd syst\u00e9m, kter\u00fd zahrnuje sn\u00ed\u017een\u00ed sazby za ka\u017ed\u00fd dal\u0161\u00ed finan\u010dn\u00ed produkt (r\u016fzn\u00e9 typy poji\u0161t\u011bn\u00ed, penzijn\u00ed pl\u00e1ny apod.) a\/nebo nav\u00e1z\u00e1n\u00ed na mzdov\u00fd, penzijn\u00ed \u010di jin\u00fd p\u0159\u00edjmov\u00fd \u00fa\u010det. V\u0161eobecn\u00e9 podm\u00ednky hypote\u010dn\u00edch \u00fav\u011br\u016f v Sabadell Bank v roce 2023:<\/p>\n<ol>\n<li> Maxim\u00e1ln\u00ed doba hypot\u00e9ky: 30 let.<\/li>\n<li> Maxim\u00e1ln\u00ed v\u00fd\u0161e hypot\u00e9ky: druh\u00fd domov \u2013 a\u017e 70 %, prim\u00e1rn\u00ed bydlen\u00ed \u2013 a\u017e 80 %. Pro v\u00fdpo\u010det bude pou\u017eita ni\u017e\u0161\u00ed ze dvou hodnot: kupn\u00ed a prodejn\u00ed cena nebo odhadovan\u00e1 hodnota dle z\u00e1v\u011bru nez\u00e1visl\u00e9ho odhadce.<\/li>\n<li> M\u011bs\u00ed\u010dn\u00ed hypote\u010dn\u00ed kv\u00f3ta by nem\u011bla p\u0159es\u00e1hnout 40 % celkov\u00fdch p\u0159\u00edjm\u016f.<\/li>\n<\/ol>\n<p> Aktu\u00e1ln\u00ed podm\u00ednky pro p\u016fj\u010dky s r\u016fzn\u00fdmi \u00farokov\u00fdmi sazbami u Sabadell Bank v roce 2023:<\/p>\n<ul>\n<li> Plovouc\u00ed \u00farokov\u00e1 sazba bez bonus\u016f (Hipoteca Variable no bonificada):<\/li>\n<\/ul>\n<ol>\n<li> 2,50 % v prvn\u00edm roce a Euribor + 1,65 % po\u010d\u00ednaje druh\u00fdm rokem.<\/li>\n<li> \u017d\u00e1dn\u00e1 bankovn\u00ed provize za zpracov\u00e1n\u00ed \u00fav\u011bru.<\/li>\n<\/ol>\n<ul>\n<li> Pohybliv\u00e1 \u00farokov\u00e1 sazba zohled\u0148uj\u00edc\u00ed v\u0161echny mo\u017en\u00e9 bonusy (Hipoteca Variable bonificada):<\/li>\n<\/ul>\n<ol>\n<li> 1,50 % v prvn\u00edm roce a Euribor + 0,65 % po\u010d\u00ednaje druh\u00fdm rokem.<\/li>\n<li> \u017d\u00e1dn\u00e1 bankovn\u00ed provize za zpracov\u00e1n\u00ed \u00fav\u011bru.<\/li>\n<\/ol>\n<ul>\n<li> Pevn\u00e1 \u00farokov\u00e1 sazba bez bonus\u016f (Hipoteca Fija no bonificada):<\/li>\n<\/ul>\n<ol>\n<li> 4,50 %.<\/li>\n<li> \u017d\u00e1dn\u00e1 bankovn\u00ed provize za zpracov\u00e1n\u00ed \u00fav\u011bru.<\/li>\n<\/ol>\n<ul>\n<li> Pevn\u00e1 \u00farokov\u00e1 sazba zohled\u0148uj\u00edc\u00ed v\u0161echny mo\u017en\u00e9 bonusy (Hipoteca Fija bonificada):<\/li>\n<\/ul>\n<ol>\n<li> 3,50 %.<\/li>\n<li> \u017d\u00e1dn\u00e1 bankovn\u00ed provize za zpracov\u00e1n\u00ed \u00fav\u011bru.<\/li>\n<\/ol>\n<h2> CaixaBank: Sazby hypot\u00e9k v roce 2023<\/h2>\n<p> CaixaBank v posledn\u00edch letech pracuje v\u00fdhradn\u011b s fixn\u00edmi \u00farokov\u00fdmi sazbami. Z\u00e1rove\u0148 stejn\u011b jako Bank Sabadell nab\u00edz\u00ed flexibiln\u00ed syst\u00e9m v\u011brnostn\u00edch bonus\u016f, kter\u00fd umo\u017e\u0148uje v\u00fdrazn\u011b sn\u00ed\u017eit \u00farokovou sazbu. V\u0161eobecn\u00e9 podm\u00ednky hypote\u010dn\u00edch \u00fav\u011br\u016f u CaixaBank v roce 2023:<\/p>\n<ul>\n<li> Maxim\u00e1ln\u00ed v\u00fd\u0161e hypot\u00e9ky: 80 % pro prim\u00e1rn\u00ed bydlen\u00ed. Pro v\u00fdpo\u010det bude pou\u017eita ni\u017e\u0161\u00ed ze dvou hodnot: kupn\u00ed a prodejn\u00ed cena nebo odhadovan\u00e1 hodnota dle z\u00e1v\u011bru nez\u00e1visl\u00e9ho odhadce.<\/li>\n<li> V\u011bkov\u00e9 omezen\u00ed: hypot\u00e9ku lze vydat na 15, 20 nebo 30 let a v dob\u011b jej\u00edho \u00fapln\u00e9ho splacen\u00ed nesm\u00ed v\u011bk dlu\u017en\u00edka p\u0159es\u00e1hnout 75 let.<\/li>\n<li> \u017d\u00e1dn\u00e1 bankovn\u00ed provize za zpracov\u00e1n\u00ed \u00fav\u011bru.<\/li>\n<\/ul>\n<p> Aktu\u00e1ln\u00ed podm\u00ednky pro p\u016fj\u010dky s r\u016fzn\u00fdmi \u00farokov\u00fdmi sazbami u CaixaBank v roce 2023:<\/p>\n<ul>\n<li> Hypote\u010dn\u00ed \u00fav\u011br na 15 let:<\/li>\n<\/ul>\n<ol>\n<li> P\u0159i zohledn\u011bn\u00ed v\u0161ech mo\u017en\u00fdch bonus\u016f (CasaF\u00e1cil Fijo 15 let s maxim\u00e1ln\u00edm bonusem) \u2013 3,60 %.<\/li>\n<li> Bez bonus\u016f (CasaF\u00e1cil Fijo 15 let bez bonus\u016f) &#8211; 4,60%.<\/li>\n<\/ol>\n<ul>\n<li> Hypote\u010dn\u00ed \u00fav\u011br na 20 let:<\/li>\n<\/ul>\n<ol>\n<li> P\u0159i zohledn\u011bn\u00ed v\u0161ech mo\u017en\u00fdch bonus\u016f (CasaF\u00e1cil Fijo 20 let s maxim\u00e1ln\u00edm bonusem) \u2013 3,75 %.<\/li>\n<li> Bez bonus\u016f (CasaF\u00e1cil Fijo 20 let bez bonus\u016f) &#8211; 4,75%.<\/li>\n<\/ol>\n<ul>\n<li> Hypote\u010dn\u00ed \u00fav\u011br na 30 let:<\/li>\n<\/ul>\n<ol>\n<li> P\u0159i zohledn\u011bn\u00ed v\u0161ech mo\u017en\u00fdch bonus\u016f (CasaF\u00e1cil Fijo 30 let s maxim\u00e1ln\u00edm bonusem) \u2013 3,85 %.<\/li>\n<li> Bez bonus\u016f (CasaF\u00e1cil Fijo 30 let bez bonus\u016f) &#8211; 4,85%.<\/li>\n<\/ol>\n<h2> Banco Santander: Sazby hypot\u00e9k v roce 2023<\/h2>\n<p> Banco Santander je nejv\u011bt\u0161\u00ed banka ve \u0160pan\u011blsku, kter\u00e1 nab\u00edz\u00ed hypot\u00e9ky s pohybliv\u00fdmi, fixn\u00edmi a sm\u00ed\u0161en\u00fdmi \u00farokov\u00fdmi sazbami. Banka m\u00e1 tak\u00e9 speci\u00e1ln\u00ed program pro mlad\u00e9 s velmi atraktivn\u00edmi podm\u00ednkami. Stejn\u011b jako jej\u00ed konkurenti, Banco Santander odm\u011b\u0148uje v\u011brnost sv\u00fdch z\u00e1kazn\u00edk\u016f nab\u00eddkou bonus\u016f za dal\u0161\u00ed finan\u010dn\u00ed produkty (a\u017e 1,10 %). V\u0161eobecn\u00e9 podm\u00ednky hypote\u010dn\u00edch \u00fav\u011br\u016f u Banco Santander v roce 2023:<\/p>\n<ul>\n<li> N\u00e1kup prim\u00e1rn\u00edho bydlen\u00ed:<\/li>\n<li> Maxim\u00e1ln\u00ed doba hypot\u00e9ky: 30 let.<\/li>\n<li> Maxim\u00e1ln\u00ed v\u00fd\u0161e hypot\u00e9ky: 80 % odhadn\u00ed hodnoty dle posudku nez\u00e1visl\u00e9ho odhadce.<\/li>\n<li> N\u00e1kup druh\u00e9ho domu a n\u00e1sledn\u00e9:<\/li>\n<li> Maxim\u00e1ln\u00ed doba hypot\u00e9ky: 25 let.<\/li>\n<li> Maxim\u00e1ln\u00ed v\u00fd\u0161e hypot\u00e9ky: 70 % odhadn\u00ed hodnoty dle posudku nez\u00e1visl\u00e9ho odhadce.<\/li>\n<li> V\u011bkov\u00e1 omezen\u00ed: v dob\u011b \u00fapln\u00e9ho splacen\u00ed \u00fav\u011bru nesm\u00ed v\u011bk dlu\u017en\u00edka p\u0159es\u00e1hnout 80 let.<\/li>\n<li> \u017d\u00e1dn\u00e1 bankovn\u00ed provize za zpracov\u00e1n\u00ed \u00fav\u011bru.<\/li>\n<\/ul>\n<p> Aktu\u00e1ln\u00ed podm\u00ednky pro p\u016fj\u010dky s pohybliv\u00fdmi \u00farokov\u00fdmi sazbami u Santander Bank v roce 2023:<\/p>\n<ul>\n<li> <strong>Bez bonus\u016f (variabiln\u00ed \u00farokov\u00e1 sazba):<\/strong> 1,79 % za prvn\u00edch \u0161est m\u011bs\u00edc\u016f a Euribor + 1,79 % od sedm\u00e9ho m\u011bs\u00edce<\/li>\n<li> <strong>S maxim\u00e1ln\u00edmi bonusy (Hipoteca Variable bonificada):<\/strong> 1,79 % za prvn\u00edch \u0161est m\u011bs\u00edc\u016f a Euribor + 0,69 % po\u010d\u00ednaje sedm\u00fdm m\u011bs\u00edcem.<\/li>\n<\/ul>\n<p> Aktu\u00e1ln\u00ed podm\u00ednky pro p\u016fj\u010dky s pevnou sazbou v Santander Bank v roce 2023:<\/p>\n<ul>\n<li> <strong>Bez bonus\u016f (Hipoteca Fija no bonificada):<\/strong> 3,99 % za prvn\u00edch \u0161est m\u011bs\u00edc\u016f a 4,99 % od sedm\u00e9ho m\u011bs\u00edce.<\/li>\n<li> <strong>S maxim\u00e1ln\u00edmi bonusy (Hipoteca Fija bonificada):<\/strong> 3,99 % za prvn\u00edch \u0161est m\u011bs\u00edc\u016f a 3,89 % od sedm\u00e9ho m\u011bs\u00edce.<\/li>\n<\/ul>\n<p> Aktu\u00e1ln\u00ed podm\u00ednky pro p\u016fj\u010dky se sm\u00ed\u0161en\u00fdmi \u00farokov\u00fdmi sazbami v Santander Bank v roce 2023:<\/p>\n<ul>\n<li> Mo\u017enost A (Hipoteca Mixta Bonificada): 9,5 roku pevn\u00e1 sazba a po zbytek \u010dasu pohybliv\u00e1 sazba:<\/li>\n<\/ul>\n<ol>\n<li> Bez bonus\u016f: 4,40 % za prvn\u00edch \u0161est m\u011bs\u00edc\u016f, 5,40 % od sedm\u00e9ho m\u011bs\u00edce po dobu dev\u00edti let a Euribor + 1,90 % od des\u00e1t\u00e9ho roku.<\/li>\n<li> S maxim\u00e1ln\u00edmi bonusy: 4,40 % za prvn\u00edch \u0161est m\u011bs\u00edc\u016f, 4,30 % od sedm\u00e9ho m\u011bs\u00edce po dobu dev\u00edti let a Euribor + 0,80 % od des\u00e1t\u00e9ho roku.<\/li>\n<\/ol>\n<ul>\n<li> Mo\u017enost B (Hipoteca Mixta Plus Bonificada): 2,5 roku pevn\u00e1 sazba a po zbytek \u010dasu pohybliv\u00e1 sazba:<\/li>\n<\/ul>\n<ol>\n<li> Bez bonus\u016f: 3,10 % za prvn\u00edch \u0161est m\u011bs\u00edc\u016f, 4,10 % od sedm\u00e9ho m\u011bs\u00edce na dva roky a Euribor + 2,00 % od t\u0159et\u00edho roku.<\/li>\n<li> Bez bonus\u016f: 3,10 % za prvn\u00edch \u0161est m\u011bs\u00edc\u016f, 3,00 % od sedm\u00e9ho m\u011bs\u00edce na dva roky a Euribor + 0,90 % od t\u0159et\u00edho roku.<\/li>\n<\/ol>\n<p> Aktu\u00e1ln\u00ed podm\u00ednky hypote\u010dn\u00edch \u00fav\u011br\u016f pro mlad\u00e9 u Santander Bank v roce 2023:<\/p>\n<ul>\n<li> Maxim\u00e1ln\u00ed v\u011bk v dob\u011b registrace hypot\u00e9ky: 35 let<\/li>\n<li> Maxim\u00e1ln\u00ed v\u00fd\u0161e hypot\u00e9ky: 95 %. Pro v\u00fdpo\u010det bude pou\u017eita ni\u017e\u0161\u00ed ze dvou hodnot: kupn\u00ed a prodejn\u00ed cena nebo odhadovan\u00e1 hodnota dle z\u00e1v\u011bru nez\u00e1visl\u00e9ho odhadce.<\/li>\n<li> Maxim\u00e1ln\u00ed doba hypot\u00e9ky: 30 let.<\/li>\n<li> Sazba: dle v\u00fdb\u011bru dlu\u017en\u00edka.<\/li>\n<li> Aktu\u00e1ln\u00ed podm\u00ednky pro hypote\u010dn\u00ed \u00fav\u011bry na zm\u011bnu hlavn\u00edho s\u00eddla v Santander Bank v roce 2023 (Hipoteca Cambia de Casa):<\/li>\n<li> Maxim\u00e1ln\u00ed v\u00fd\u0161e hypot\u00e9ky: 100 % bez dan\u00ed a v\u00fddaj\u016f, za p\u0159edpokladu, \u017ee je prim\u00e1rn\u00ed rezidence prod\u00e1na a prim\u00e1rn\u00ed rezidence je tak\u00e9 zakoupena.<\/li>\n<li> Maxim\u00e1ln\u00ed doba hypot\u00e9ky: 30 let.<\/li>\n<li> Maxim\u00e1ln\u00ed v\u011bk dlu\u017en\u00edka v dob\u011b spl\u00e1cen\u00ed \u00fav\u011bru: 80 let.<\/li>\n<li> Mo\u017enost zmrazen\u00ed spl\u00e1tek na 12 m\u011bs\u00edc\u016f p\u0159i prodeji sou\u010dasn\u00e9 nemovitosti.<\/li>\n<li> Sazba: dle v\u00fdb\u011bru dlu\u017en\u00edka.<\/li>\n<\/ul>\n<h2> Openbank: Sazby hypot\u00e9k v roce 2023<\/h2>\n<p> Openbank je velk\u00e1 online banka a dce\u0159in\u00e1 spole\u010dnost v\u00fd\u0161e zm\u00edn\u011bn\u00e9 Banco Santander. Poskytuje tak\u00e9 hypote\u010dn\u00ed \u00fav\u011bry fyzick\u00fdm osob\u00e1m a nab\u00edz\u00ed hypot\u00e9ky s fixn\u00edmi, pohybliv\u00fdmi a sm\u00ed\u0161en\u00fdmi \u00farokov\u00fdmi sazbami. V\u0161eobecn\u00e9 podm\u00ednky pro hypote\u010dn\u00ed \u00fav\u011bry u Openbank v roce 2023:<\/p>\n<ul>\n<li> Maxim\u00e1ln\u00ed v\u00fd\u0161e hypot\u00e9ky: druh\u00fd domov \u2013 a\u017e 70 %, prim\u00e1rn\u00ed bydlen\u00ed \u2013 a\u017e 80 %. Pro v\u00fdpo\u010det bude pou\u017eita ni\u017e\u0161\u00ed ze dvou hodnot: kupn\u00ed a prodejn\u00ed cena nebo odhadovan\u00e1 hodnota dle z\u00e1v\u011bru nez\u00e1visl\u00e9ho odhadce.<\/li>\n<li> M\u011bs\u00ed\u010dn\u00ed kv\u00f3ta hypot\u00e9k by spolu s dal\u0161\u00edmi finan\u010dn\u00edmi v\u00fddaji nem\u011bla p\u0159es\u00e1hnout 40 % celkov\u00fdch p\u0159\u00edjm\u016f.<\/li>\n<li> V\u011bkov\u00e1 omezen\u00ed: v dob\u011b \u00fapln\u00e9ho splacen\u00ed \u00fav\u011bru nesm\u00ed v\u011bk juniorn\u00edho dlu\u017en\u00edka p\u0159es\u00e1hnout 80 let (nejsou povoleny v\u00edce ne\u017e dva dlu\u017en\u00edci).<\/li>\n<li> \u00dav\u011brov\u00e9 limity: od 30 000 do 3 000 000 \u20ac.<\/li>\n<li> \u017d\u00e1dn\u00e1 bankovn\u00ed provize za zpracov\u00e1n\u00ed \u00fav\u011bru.<\/li>\n<\/ul>\n<p> Aktu\u00e1ln\u00ed podm\u00ednky pro \u00fav\u011bry s r\u016fzn\u00fdmi \u00farokov\u00fdmi sazbami u Openbank v roce 2023 (p\u0159esn\u00e1 \u00farokov\u00e1 sazba je stanovena v z\u00e1vislosti na d\u00e9lce hypot\u00e9ky, kter\u00e1 se m\u016f\u017ee pohybovat od 5 do 30 let):<\/p>\n<ul>\n<li> Pohybliv\u00e1 \u00farokov\u00e1 sazba bez bonus\u016f:<\/li>\n<\/ul>\n<ol>\n<li> Od 2,40 % v prvn\u00edm roce a Euribor + 1,40 % po\u010d\u00ednaje druh\u00fdm rokem.<\/li>\n<li> Dodate\u010dn\u00fd bonus 0,10 % u hypot\u00e9k nad 150 000 EUR.<\/li>\n<li> Pohybliv\u00e1 \u00farokov\u00e1 sazba zohled\u0148uj\u00edc\u00ed v\u0161echny mo\u017en\u00e9 bonusy:<\/li>\n<li> Od 1,60 % v prvn\u00edm roce a Euribor + 0,60 % po\u010d\u00ednaje druh\u00fdm rokem.<\/li>\n<li> Dodate\u010dn\u00fd bonus 0,10 % u hypot\u00e9k nad 150 000 EUR.<\/li>\n<\/ol>\n<ul>\n<li> Pevn\u00e1 \u00farokov\u00e1 sazba bez bonus\u016f:<\/li>\n<\/ul>\n<ol>\n<li> Od 3,59 %.<\/li>\n<li> Dodate\u010dn\u00fd bonus 0,10 % u hypot\u00e9k nad 150 000 EUR.<\/li>\n<\/ol>\n<ul>\n<li> Pevn\u00e1 \u00farokov\u00e1 sazba zohled\u0148uj\u00edc\u00ed v\u0161echny mo\u017en\u00e9 bonusy:<\/li>\n<\/ul>\n<ol>\n<li> Od 2,79 %.<\/li>\n<li> Dodate\u010dn\u00fd bonus 0,10 % u hypot\u00e9k nad 150 000 EUR.<\/li>\n<\/ol>\n<ul>\n<li> Sm\u00ed\u0161en\u00e9 \u00farokov\u00e9 sazby bez bonus\u016f:<\/li>\n<\/ul>\n<ol>\n<li> Od 3:27: b\u011bhem prvn\u00edch 10 let a od Euribor + 1,35 % po\u010d\u00ednaje 11. rokem.<\/li>\n<li> Dodate\u010dn\u00fd bonus 0,10 % u hypot\u00e9k nad 150 000 EUR.<\/li>\n<\/ol>\n<ul>\n<li> Sm\u00ed\u0161en\u00e1 \u00farokov\u00e1 sazba zohled\u0148uj\u00edc\u00ed v\u0161echny mo\u017en\u00e9 bonusy:<\/li>\n<\/ul>\n<ol>\n<li> Od 2,47: po dobu prvn\u00edch 10 let a od Euriboru + 0,55 % po\u010d\u00ednaje 11. rokem.<\/li>\n<li> Dodate\u010dn\u00fd bonus 0,10 % u hypot\u00e9k nad 150 000 EUR.<\/li>\n<\/ol>\n<h2> BBVA: Sazby hypot\u00e9k v roce 2023<\/h2>\n<p> V roce 2023 bude velk\u00e1 \u0161pan\u011blsk\u00e1 banka BBVA nab\u00edzet hypot\u00e9ky s variabiln\u00edmi a fixn\u00edmi \u00farokov\u00fdmi sazbami. Stejn\u011b jako v p\u0159edchoz\u00edch p\u0159\u00edpadech m\u00e1 klient pr\u00e1vo po\u010d\u00edtat s bonusy p\u0159i spln\u011bn\u00ed ur\u010dit\u00fdch podm\u00ednek: nav\u00e1z\u00e1n\u00ed p\u0159\u00edjmu na bankovn\u00ed \u00fa\u010det, sjedn\u00e1n\u00ed r\u016fzn\u00fdch pojistek. V\u0161eobecn\u00e9 podm\u00ednky hypote\u010dn\u00edch \u00fav\u011br\u016f u BBVA Bank v roce 2023:<\/p>\n<ul>\n<li> Maxim\u00e1ln\u00ed v\u00fd\u0161e hypot\u00e9ky: druh\u00fd domov \u2013 a\u017e 70 %, prim\u00e1rn\u00ed bydlen\u00ed \u2013 a\u017e 80 %. Pro v\u00fdpo\u010det bude pou\u017eita ni\u017e\u0161\u00ed ze dvou hodnot: kupn\u00ed a prodejn\u00ed cena nebo odhadovan\u00e1 hodnota dle z\u00e1v\u011bru nez\u00e1visl\u00e9ho odhadce.<\/li>\n<li> Maxim\u00e1ln\u00ed doba hypot\u00e9ky: 30 let.<\/li>\n<li> Maxim\u00e1ln\u00ed v\u011bk dlu\u017en\u00edka v dob\u011b spl\u00e1cen\u00ed \u00fav\u011bru: 70 let.<\/li>\n<li> \u017d\u00e1dn\u00e1 bankovn\u00ed provize za zpracov\u00e1n\u00ed \u00fav\u011bru.<\/li>\n<\/ul>\n<p> Aktu\u00e1ln\u00ed podm\u00ednky pro p\u016fj\u010dky s r\u016fzn\u00fdmi \u00farokov\u00fdmi sazbami u BBVA Bank v roce 2023:<\/p>\n<ul>\n<li> Plovouc\u00ed \u00farokov\u00e1 sazba bez bonus\u016f: od 1,49 % b\u011bhem prvn\u00edho roku hypot\u00e9ky a od Euribor + 1,60 % od druh\u00e9ho roku.<\/li>\n<li> Plovouc\u00ed \u00farokov\u00e1 sazba zohled\u0148uj\u00edc\u00ed v\u0161echny mo\u017en\u00e9 bonusy: od 1,49 % b\u011bhem prvn\u00edho roku hypot\u00e9ky a od Euribor + 0,60 % od druh\u00e9ho roku.<\/li>\n<li> Pevn\u00e1 \u00farokov\u00e1 sazba:<\/li>\n<\/ul>\n<ol>\n<li> Hypot\u00e9ka na 15 let: od 3,80 % bez bonus\u016f (i kdy\u017e s mo\u017enost\u00ed sn\u00ed\u017een\u00ed sazby o 1 % b\u011bhem prvn\u00edch \u0161esti m\u011bs\u00edc\u016f) a od 2,80 % v\u010detn\u011b v\u0161ech mo\u017en\u00fdch bonus\u016f.<\/li>\n<li> Hypot\u00e9ka na dobu 16 a\u017e 30 let: od 3,90 % bez bonus\u016f.<\/li>\n<\/ol>\n<h2> ABANCA: Sazby hypot\u00e9k v roce 2023<\/h2>\n<p> ABANCA je dal\u0161\u00ed velkou \u0161pan\u011blskou bankou, kter\u00e1 sv\u00e9ho \u010dasu po\u0159\u00eddila n\u011bkolik men\u0161\u00edch a aktu\u00e1ln\u011b je na \u0161est\u00e9m m\u00edst\u011b z hlediska aktiv. D\u0159\u00edve provozov\u00e1n pod zna\u010dkou Novagalicia Banco. V \u017eeb\u0159\u00ed\u010dc\u00edch kvality bankovn\u00edch slu\u017eeb na \u0161pan\u011blsk\u00e9m trhu zauj\u00edm\u00e1 v posledn\u00edch letech trvale p\u0159edn\u00ed m\u00edsta. V\u0161eobecn\u00e9 podm\u00ednky hypote\u010dn\u00edch \u00fav\u011br\u016f v ABANCA bank v roce 2023:<\/p>\n<ul>\n<li> Maxim\u00e1ln\u00ed doba hypot\u00e9ky: 30 let.<\/li>\n<li> Maxim\u00e1ln\u00ed v\u00fd\u0161e hypot\u00e9ky: 80 %. Pro v\u00fdpo\u010det bude pou\u017eita ni\u017e\u0161\u00ed ze dvou hodnot: kupn\u00ed a prodejn\u00ed cena nebo odhadovan\u00e1 hodnota dle z\u00e1v\u011bru nez\u00e1visl\u00e9ho odhadce.<\/li>\n<li> \u017d\u00e1dn\u00e1 bankovn\u00ed provize za zpracov\u00e1n\u00ed \u00fav\u011bru.<\/li>\n<\/ul>\n<p> Aktu\u00e1ln\u00ed podm\u00ednky pro p\u016fj\u010dky s r\u016fzn\u00fdmi \u00farokov\u00fdmi sazbami u ABANCA Bank v roce 2023:<\/p>\n<ul>\n<li> Hypot\u00e9ka Mari Carmen s variabiln\u00ed sazbou:<\/li>\n<\/ul>\n<ol>\n<li> Plovouc\u00ed \u00farokov\u00e1 sazba bez bonus\u016f: 3,50 % v prvn\u00edm roce a Euribor + 1,75 % po\u010d\u00ednaje druh\u00fdm rokem.<\/li>\n<li> Plovouc\u00ed \u00farokov\u00e1 sazba zohled\u0148uj\u00edc\u00ed v\u0161echny mo\u017en\u00e9 bonusy: 2,50 % v prvn\u00edm roce a Euribor + 0,75 % od druh\u00e9ho roku.<\/li>\n<\/ol>\n<ul>\n<li> Mari Carmen Plus hypot\u00e9ka s pohyblivou sazbou:<\/li>\n<\/ul>\n<ol>\n<li> Pohybliv\u00e1 \u00farokov\u00e1 sazba bez bonus\u016f: 3,50 % v prvn\u00edm roce a Euribor + 2,00 % po\u010d\u00ednaje druh\u00fdm rokem, s omezen\u00edm od druh\u00e9ho do \u0161est\u00e9ho roku v\u010detn\u011b na r\u016fst Euriboru na 4 %.<\/li>\n<li> Pohybliv\u00e1 \u00farokov\u00e1 sazba bez bonus\u016f: 2,50 % v prvn\u00edm roce a Euribor + 1,00 % po\u010d\u00ednaje druh\u00fdm rokem, s omezen\u00edm od druh\u00e9ho do \u0161est\u00e9ho roku v\u010detn\u011b r\u016fstu Euriboru na 4 %<\/li>\n<\/ol>\n<ul>\n<li> Mari Carmen hypot\u00e9ka s pevnou sazbou:<\/li>\n<\/ul>\n<ol>\n<li> Pevn\u00e1 \u00farokov\u00e1 sazba bez bonus\u016f: 4,85 %.<\/li>\n<li> Pevn\u00e1 \u00farokov\u00e1 sazba zohled\u0148uj\u00edc\u00ed v\u0161echny mo\u017en\u00e9 bonusy: 3,85 %.<\/li>\n<\/ol>\n<p> Banky pravideln\u011b reviduj\u00ed sv\u00e9 sazby v reakci na zm\u011bny na trhu. Po\u010d\u00ednaje druhou polovinou roku 2022 existuje trend k r\u016fstu sazeb, i kdy\u017e ne tak prudk\u00fd jako r\u016fst Euriboru. Finan\u010dn\u00ed experti opatrn\u011b hovo\u0159\u00ed o mo\u017en\u00e9m rollbacku, kter\u00fd n\u00e1s \u010dek\u00e1 v roce 2024: pro rok 2023 se 12m\u011bs\u00ed\u010dn\u00ed sazba Euriboru p\u0159edpov\u00edd\u00e1 na 3,75 %, pro rok 2024 \u2013 3 %. Zda se tyto p\u0159edpov\u011bdi napln\u00ed nebo ne, uk\u00e1\u017ee \u010das. V ka\u017ed\u00e9m p\u0159\u00edpad\u011b sou\u010dasn\u00fd z\u00e1kon o hypote\u010dn\u00edm \u00fav\u011bru poskytuje dlu\u017en\u00edkovi pr\u00e1vo kdykoli zm\u011bnit \u00fav\u011bruj\u00edc\u00ed banku zah\u00e1jen\u00edm \u0159\u00edzen\u00ed o subrogaci \u00fav\u011bru, tzn. refinancovat u jin\u00e9 banky s v\u00fdhodn\u011bj\u0161\u00edmi podm\u00ednkami. Proto\u017ee subrogace s sebou nese dodate\u010dn\u00e9 n\u00e1klady, v\u00fdpo\u010dty by m\u011bly b\u00fdt provedeny p\u0159edem s p\u0159ihl\u00e9dnut\u00edm ke v\u0161em mo\u017en\u00fdm n\u00e1klad\u016fm. Jak ukazuje praxe, u mal\u00fdch \u00fav\u011br\u016f nep\u0159in\u00e1\u0161\u00ed subrogace hypot\u00e9ky \u017e\u00e1dn\u00e9 v\u00fdhody, zejm\u00e9na v kr\u00e1tkodob\u00e9m horizontu.<\/p>","protected":false},"excerpt":{"rendered":"<p>Druh\u00e1 polovina roku 2022 a za\u010d\u00e1tek roku 2023 byly\u2026<\/p>\n","protected":false},"author":19,"featured_media":497658,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,957],"tags":[],"class_list":["post-497652","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 v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u0412\u0441\u0435 \u043e \u0441\u0442\u0430\u0432\u043a\u0430\u0445 \u043f\u043e \u0438\u043f\u043e\u0442\u0435\u043a\u0435 \u0432 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