{"id":519990,"date":"2024-01-12T00:09:09","date_gmt":"2024-01-11T21:09:09","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=519990"},"modified":"2025-08-14T21:38:35","modified_gmt":"2025-08-14T18:38:35","slug":"mortgage-in-2024-euribor-rates-predictions","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/cs\/articles\/mortgage-in-2024-euribor-rates-predictions","title":{"rendered":"Hypot\u00e9ky v roce 2024: Progn\u00f3zy a trendy"},"content":{"rendered":"<p>Rostouc\u00ed \u00farokov\u00e9 sazby a politick\u00e1 a ekonomick\u00e1 nestabilita m\u011bly v roce 2023 negativn\u00ed dopad na \u0161pan\u011blsk\u00fd hypote\u010dn\u00ed trh. Podle r\u016fzn\u00fdch odhad\u016f se po\u010det vydan\u00fdch hypote\u010dn\u00edch \u00fav\u011br\u016f oproti roku 2022 sn\u00ed\u017eil o 20\u201325 %.<\/p>\n<h2> Euribor v roce 2023 a hypote\u010dn\u00ed data<\/h2>\n<p> V pr\u016fb\u011bhu roku 2023 jsme byli sv\u011bdky n\u00e1r\u016fstu Euribor (evropsk\u00e9 mezibankovn\u00ed \u00farokov\u00e9 sazby) a v d\u016fsledku toho i n\u00e1r\u016fstu pohybliv\u00fdch a pevn\u00fdch \u00farokov\u00fdch sazeb. Progn\u00f3zy na prvn\u00ed pololet\u00ed roku 2023 p\u0159itom byly zna\u010dn\u011b nejist\u00e9: n\u011bkte\u0159\u00ed experti p\u0159edpov\u00eddali zm\u011bnu sazby Euribor a jej\u00ed dal\u0161\u00ed pokles, co\u017e hovo\u0159ilo ve prosp\u011bch volby plovouc\u00ed \u00farokov\u00e9 sazby, jin\u00ed experti d\u00e1vali pesimisti\u010dt\u011bj\u0161\u00ed progn\u00f3zy, proti nim\u017e fixn\u00ed sazba vypadala atraktivn\u011bji. V d\u016fsledku toho si mnoho rodin ve \u0160pan\u011blsku jednodu\u0161e oddechlo a rozhodnut\u00ed o hypot\u00e9ce odlo\u017eilo a\u017e na p\u0159\u00ed\u0161t\u00ed rok, a to i p\u0159es neust\u00e1l\u00fd r\u016fst cen nemovitost\u00ed. Rok 2023 skon\u010dil pozitivn\u011b: 12m\u011bs\u00ed\u010dn\u00ed Euribor klesl na 3,68 % v prosinci 2023 ze 4,022 % v listopadu. Celkov\u011b pokles za posledn\u00ed m\u011bs\u00edce \u010dinil 0,661 bodu. Podle N\u00e1rodn\u00edho statistick\u00e9ho \u00fastavu bylo v roce 2023 p\u0159ibli\u017en\u011b 45,5 % hypot\u00e9k uzav\u0159eno s pohyblivou \u00farokovou sazbou, tzn. V\u011bt\u0161ina dlu\u017en\u00edk\u016f preferovala sm\u00ed\u0161en\u00e9 nebo pevn\u00e9 sazby. Pro srovn\u00e1n\u00ed, ze v\u0161ech aktivn\u00edch hypot\u00e9k uzav\u0159en\u00fdch v r\u016fznou dobu m\u00e1 75 % pohybliv\u00e9 \u00farokov\u00e9 sazby. Nejlep\u0161\u00ed hypot\u00e9ky s pevnou sazbou ve \u0160pan\u011blsku v roce 2023 jsou Hipoteca Fija Bonificada od Banco Santander (2,8 % ro\u010dn\u011b po dobu a\u017e 30 let) a Hipoteca Open Fija od Openbank (3,07 % ro\u010dn\u011b po dobu a\u017e 25 let).<\/p>\n<h2> Hypot\u00e9ky ve \u0160pan\u011blsku: Progn\u00f3zy na rok 2024<\/h2>\n<p> Evropsk\u00e1 centr\u00e1ln\u00ed banka se i p\u0159es svou stabiln\u00ed konzervativn\u00ed politiku rozhodla d\u00e1t si pauzu a p\u0159estala zvy\u0161ovat sazby (co\u017e jsme vid\u011bli v listopadu a prosinci 2023). Krom\u011b toho bylo ozn\u00e1meno, \u017ee inflace v euroz\u00f3n\u011b klesla o 2,4 %. V roce 2024 m\u016f\u017eeme podle nejoptimisti\u010dt\u011bj\u0161\u00edch p\u0159edpov\u011bd\u00ed u Euriboru o\u010dek\u00e1vat n\u00e1sleduj\u00edc\u00ed sc\u00e9n\u00e1\u0159: 3,30 % v b\u0159eznu, 3,00 % v \u010dervnu, 2,80 % v z\u00e1\u0159\u00ed a 2,60 % v prosinci. Velk\u00e1 banka Bankinter p\u0159edpov\u00edd\u00e1 sn\u00ed\u017een\u00ed Euriboru na 3,25 % v roce 2024 a na 2,75 % v roce 2025. R\u00e1d bych v to doufal, proto\u017ee&#8230; Po Euriboru za\u010dnou klesat pohybliv\u00e9 \u00farokov\u00e9 sazby u hypot\u00e9k, kter\u00e9 jsou na n\u011bj nav\u00e1z\u00e1ny, n\u00e1sledovan\u00e9 fixn\u00edmi sazbami.<\/p>\n<h2> Podpora od st\u00e1tu<\/h2>\n<p> Dne 28. prosince 2023 byl v \u00da\u0159edn\u00edm v\u011bstn\u00edku zve\u0159ejn\u011bn kr\u00e1lovsk\u00fd dekret-z\u00e1kon 8\/2023, kter\u00fd roz\u0161i\u0159uje a roz\u0161i\u0159uje d\u0159\u00edve p\u0159ijat\u00e1 rozhodnut\u00ed t\u00fdkaj\u00edc\u00ed se hypote\u010dn\u00edch \u00fav\u011br\u016f. Zejm\u00e9na v roce 2024 bude mo\u017en\u00e9 kdykoli bez poplatku a bez jak\u00e9koli provize p\u0159ej\u00edt z pohybliv\u00e9 sazby na pevnou. Je pouze nutn\u00e9 pamatovat na to, \u017ee takov\u00fd p\u0159echod je mo\u017en\u00fd pouze jednou. Pokud v roce 2024 p\u0159ejdete z pohybliv\u00e9 sazby na pevnou sazbu zdarma a v roce 2025 se rozhodnete p\u0159ej\u00edt zp\u011bt, pak bude zp\u011btn\u00fd p\u0159echod znamenat dal\u0161\u00ed n\u00e1klady (bankovn\u00ed poplatky a p\u0159eregistrace hypote\u010dn\u00ed smlouvy). Podle hypote\u010dn\u00edho pr\u00e1va m\u016f\u017ee b\u00fdt \u00fa\u010dtov\u00e1n poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru ve v\u00fd\u0161i 0,15 a\u017e 0,25 % ze zb\u00fdvaj\u00edc\u00ed \u010d\u00e1stky dluhu, pokud k tomuto splacen\u00ed dojde v prvn\u00edch t\u0159ech, p\u011bti nebo deseti letech trv\u00e1n\u00ed \u00fav\u011bru (v z\u00e1vislosti na typu sazby a konkr\u00e9tn\u00edch podm\u00ednk\u00e1ch z\u00e1stavn\u00ed smlouvy). V\u00fd\u0161e zm\u00edn\u011bn\u00fdm regula\u010dn\u00edm z\u00e1konem bylo po cel\u00fd rok 2024 zru\u0161eno na\u010d\u00edt\u00e1n\u00ed provize za \u010d\u00e1ste\u010dn\u00e9 nebo \u00fapln\u00e9 p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky. Toto pravidlo plat\u00ed i pro hypot\u00e9ky se sm\u00ed\u0161enou \u00farokovou sazbou. Ve zvl\u00e1\u0161tn\u00edch p\u0159\u00edpadech m\u016f\u017ee banka \u00fa\u010dtovat provizi 0,05 %, ale obecn\u011b m\u016f\u017eete na provize v roce 2024 zapomenout. Mezi dal\u0161\u00ed opat\u0159en\u00ed, kter\u00e1 jsou ur\u010dena p\u0159edev\u0161\u00edm rodin\u00e1m s n\u00edzk\u00fdmi p\u0159\u00edjmy, pat\u0159\u00ed mo\u017enost prodlou\u017een\u00ed splatnosti \u00fav\u011bru (maxim\u00e1ln\u011b na 7 let) a tak\u00e9 zmrazen\u00ed hypot\u00e9ky na jeden rok. M\u00e1te-li z\u00e1jem o hypot\u00e9ku ve \u0160pan\u011blsku, <a href=\"https:\/\/alegria-realestate.com\/ru\/service\/mortgage-in-spain\">kontaktujte na\u0161e odborn\u00edky<\/a> .<\/p>","protected":false},"excerpt":{"rendered":"<p>Rostouc\u00ed \u00farokov\u00e9 sazby a politick\u00e1 a ekonomick\u00e1 nestabilita m\u011bly\u2026<\/p>\n","protected":false},"author":19,"featured_media":519992,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,957],"tags":[],"class_list":["post-519990","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 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 2024 \u0433\u043e\u0434\u0443: Euribor, \u0441\u0442\u0430\u0432\u043a\u0438, 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