{"id":518927,"date":"2024-01-05T20:21:02","date_gmt":"2024-01-05T17:21:02","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=518927"},"modified":"2025-08-14T21:38:34","modified_gmt":"2025-08-14T18:38:34","slug":"mortgage-in-2024-what-awaits-borrowers","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/cs\/articles\/mortgage-in-2024-what-awaits-borrowers","title":{"rendered":"Hypot\u00e9ky v roce 2024: Co \u010dek\u00e1 dlu\u017en\u00edky?"},"content":{"rendered":"<p>Lo\u0148sk\u00fd rok skon\u010dil dobrou zpr\u00e1vou pro hypote\u010dn\u00ed dlu\u017en\u00edky: po v\u00edce ne\u017e roce t\u00e9m\u011b\u0159 nep\u0159etr\u017eit\u00e9ho r\u016fstu byl u Euriboru, srovn\u00e1vac\u00edho indexu \u00fav\u011br\u016f s prom\u011bnlivou sazbou, pozorov\u00e1n klesaj\u00edc\u00ed trend. Po dosa\u017een\u00ed maxim\u00e1ln\u00ed hodnoty (4,007 %) v \u010dervnu se do konce prosince sn\u00ed\u017eila na 3,679 %, co\u017e je nejni\u017e\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed pr\u016fm\u011br od b\u0159ezna 2023 (3,647 %). Jedn\u00edm z hlavn\u00edch faktor\u016f, kter\u00e9 ovlivnily tak prudkou zm\u011bnu Euriboru, byla rozhodnut\u00ed Evropsk\u00e9 centr\u00e1ln\u00ed banky. Zejm\u00e9na v posledn\u00edch m\u011bs\u00edc\u00edch udr\u017eovala kl\u00ed\u010dov\u00e9 sazby na 4,5 %, co\u017e vedlo k poklesu evropsk\u00e9 mezibankovn\u00ed nab\u00edzen\u00e9 sazby. Podle odborn\u00edk\u016f z port\u00e1lu iAhorro, kter\u00fd vyhled\u00e1v\u00e1 a porovn\u00e1v\u00e1 nab\u00eddky na trhu hypote\u010dn\u00edch \u00fav\u011br\u016f, bude Euribor v p\u0159\u00ed\u0161t\u00edch m\u011bs\u00edc\u00edch d\u00e1le klesat, i kdy\u017e to nebude je\u0161t\u011b del\u0161\u00ed dobu. Podle N\u00e1rodn\u00edho statistick\u00e9ho institutu (INE) \u010dinil pr\u016fm\u011brn\u00fd hypote\u010dn\u00ed \u00fav\u011br ve \u0160pan\u011blsku v z\u00e1\u0159\u00ed 143 186 EUR s pr\u016fm\u011brnou dobou splatnosti 23 let. M\u00edra sn\u00ed\u017een\u00ed \u010d\u00e1stky platby bude z\u00e1viset na st\u00e1\u0159\u00ed transakce, v\u00fd\u0161i dluhu a dob\u011b jeho spl\u00e1cen\u00ed. \u00daspora tak bude \u010dinit 154,2 a\u017e 616,8 eur ro\u010dn\u011b u hypot\u00e9ky 100 000 a\u017e 400 000 eur po dobu 15 let za ka\u017ed\u00fdch 25 bod\u016f poklesu Euriboru a dos\u00e1hne 171,6 a 686,4 eur ro\u010dn\u011b po dobu 30 let. Nap\u0159\u00edklad ti, kte\u0159\u00ed si v prosinci 2021 vzali 30letou hypot\u00e9ku s variabiln\u00ed sazbou ve v\u00fd\u0161i 150 000 EUR s rozp\u011bt\u00edm 0,99 % + Euribor, zaplatili z\u00e1lohu ve v\u00fd\u0161i 448 EUR. V \u010dervnu 2023 se tato \u010d\u00e1stka zv\u00fd\u0161ila na 788,85 \u20ac, ale po revizi v prosinci se platba sn\u00ed\u017e\u00ed na 762,29 \u20ac, co\u017e znamen\u00e1 pokles o t\u00e9m\u011b\u0159 30 \u20ac m\u011bs\u00ed\u010dn\u011b (-26,56 \u20ac). V p\u0159\u00edpad\u011b hypot\u00e9ky ve v\u00fd\u0161i 300 000 eur se sn\u00ed\u017een\u00ed zdvojn\u00e1sob\u00ed na v\u00edce ne\u017e 50 eur (-53,12 eur). Dr\u017eitel\u00e9 hypot\u00e9k, kte\u0159\u00ed si nech\u00e1vaj\u00ed sv\u00e9 sazby ka\u017edoro\u010dn\u011b revidovat, si budou muset na toto sn\u00ed\u017een\u00ed po\u010dkat n\u011bkolik m\u011bs\u00edc\u016f. V tomto p\u0159\u00edpad\u011b budou platby nad\u00e1le nar\u016fstat, i kdy\u017e na mnohem ni\u017e\u0161\u00ed \u00farovni ne\u017e v p\u0159edchoz\u00edch reviz\u00edch \u2013 z 60 na 110 eur m\u011bs\u00ed\u010dn\u011b. Ti, kte\u0159\u00ed si hypot\u00e9ku p\u0159ejednaj\u00ed v b\u0159eznu a\u017e dubnu, ji\u017e mohou zaznamenat velmi m\u00edrn\u00e9 sn\u00ed\u017een\u00ed m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek. Co se t\u00fd\u010de cen reziden\u010dn\u00edch nemovitost\u00ed v roce 2024, podle progn\u00f3z iAhorro by ji\u017e m\u011bly klesat, ale tento trend zat\u00edm nen\u00ed vid\u011bt \u2013 zejm\u00e9na ve velk\u00fdch m\u011bstech. Je t\u0159eba vz\u00edt v \u00favahu, \u017ee v tak velk\u00fdch m\u011bstech, jako je Madrid, Barcelona a Bilbao, stejn\u011b jako na Bale\u00e1rsk\u00fdch ostrovech, je probl\u00e9m s nab\u00eddkou bydlen\u00ed, a\u010dkoli popt\u00e1vka po n\u011bm je tak\u00e9 vysok\u00e1, co\u017e by v kone\u010dn\u00e9m d\u016fsledku m\u011blo v\u00e9st ke sn\u00ed\u017een\u00ed cen.<\/p>","protected":false},"excerpt":{"rendered":"<p>Lo\u0148sk\u00fd rok skon\u010dil dobrou zpr\u00e1vou pro hypote\u010dn\u00ed dlu\u017en\u00edky: po\u2026<\/p>\n","protected":false},"author":19,"featured_media":518992,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,957],"tags":[],"class_list":["post-518927","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 v27.5 - 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