{"id":563344,"date":"2024-04-26T08:08:56","date_gmt":"2024-04-26T05:08:56","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=563344"},"modified":"2025-08-14T21:39:26","modified_gmt":"2025-08-14T18:39:26","slug":"everything-about-mortgages-in-spain-in-2024","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/cs\/articles\/everything-about-mortgages-in-spain-in-2024","title":{"rendered":"V\u0161e o hypot\u00e9k\u00e1ch ve \u0160pan\u011blsku v roce 2024"},"content":{"rendered":"

Hypot\u00e9ky ve \u0160pan\u011blsku<\/a> jsou i nad\u00e1le jedn\u00edm z nejobl\u00edben\u011bj\u0161\u00edch finan\u010dn\u00edch produkt\u016f, proto\u017ee \u010dasto slou\u017e\u00ed jako jedin\u00e1 p\u0159\u00edle\u017eitost pro mnoho rodin k z\u00edsk\u00e1n\u00ed vlastn\u00edho bydlen\u00ed. Nestabiln\u00ed ekonomick\u00e1 situace, tvrd\u00e1 politika Evropsk\u00e9 centr\u00e1ln\u00ed banky a r\u016fst Euriboru, na kter\u00fd jsou nav\u00e1z\u00e1ny sazby hypot\u00e9k, vedly k tomu, \u017ee po\u010det vydan\u00fdch hypot\u00e9k ve \u0160pan\u011blsku v roce 2023 klesl o 20-25 %. M\u00edrn\u00fd pokles Euriboru, jeho\u017e pokra\u010dov\u00e1n\u00ed odborn\u00edci o\u010dek\u00e1vaj\u00ed i v letech 2024 a 2025, stejn\u011b jako krize na trhu dlouhodob\u00fdch pron\u00e1jm\u016f, katastrof\u00e1ln\u00ed nerovnov\u00e1ha mezi nab\u00eddkou a popt\u00e1vkou a rychle rostouc\u00ed ceny n\u00e1jm\u016f v\u0161ak povedou k op\u011btovn\u00e9mu r\u016fstu popt\u00e1vky po hypot\u00e9k\u00e1ch. I nyn\u00ed, v obdob\u00ed vysok\u00fdch \u00farokov\u00fdch sazeb, je hypot\u00e9ka ve \u0160pan\u011blsku v mnoha p\u0159\u00edpadech levn\u011bj\u0161\u00ed ne\u017e dlouhodob\u00fd pron\u00e1jem. Poj\u010fme se pod\u00edvat, za jak\u00fdch podm\u00ednek \u0161pan\u011blsk\u00e9 banky vyd\u00e1vaj\u00ed hypote\u010dn\u00ed \u00fav\u011bry v roce 2024.<\/p>\n

Hypot\u00e9ky ve \u0160pan\u011blsku v roce 2024: Kl\u00ed\u010dov\u00e9 body<\/h2>\n

Velk\u00e9 \u0161pan\u011blsk\u00e9 banky ve snaze p\u0159il\u00e1kat co nejv\u00edce nov\u00fdch klient\u016f vyv\u00edjej\u00ed specializovan\u00e9 hypote\u010dn\u00ed \u00fav\u011brov\u00e9 programy, kter\u00e9 nab\u00edzej\u00ed v\u00fdhodn\u00e9 podm\u00ednky pro koupi prvn\u00edho domu nebo bydlen\u00ed s vysokou t\u0159\u00eddou energetick\u00e9 \u00fa\u010dinnosti. N\u011bkter\u00e9 banky maj\u00ed speci\u00e1ln\u00ed program pro mlad\u00e9 dlu\u017en\u00edky. Podm\u00ednky hypot\u00e9ky se li\u0161\u00ed banka od banky a z\u00e1vis\u00ed na typu \u00farokov\u00e9 sazby: pohybliv\u00e1, pevn\u00e1 nebo sm\u00ed\u0161en\u00e1. Hypote\u010dn\u00ed sazby jsou \u00fazce spjaty s Euriborem, d\u00edky \u010demu\u017e je trh hypote\u010dn\u00edch \u00fav\u011br\u016f obzvl\u00e1\u0161t\u011b variabiln\u00ed.<\/p>\n

Srovn\u00e1n\u00ed \u00farokov\u00fdch sazeb<\/h3>\n

Plovouc\u00ed \u00farokov\u00e9 sazby<\/h4>\n

Pohybliv\u00e9 sazby jsou obvykle v\u00e1z\u00e1ny na Euribor,<\/a> d\u00edky \u010demu\u017e jsou variabiln\u00ed a podl\u00e9haj\u00ed v\u00fdkyv\u016fm trhu. Tento typ sazby m\u016f\u017ee b\u00fdt v\u00fdhodn\u00fd, kdy\u017e tr\u017en\u00ed sazby klesaj\u00ed, ale tak\u00e9 zvy\u0161uje riziko pro dlu\u017en\u00edky, kdy\u017e sazby rostou. \u0160pan\u011blsk\u00e9 banky preferuj\u00ed vyd\u00e1v\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f s t\u011bmito sazbami. Doba spl\u00e1cen\u00ed takov\u00fdch \u00fav\u011br\u016f m\u016f\u017ee dos\u00e1hnout 35 let a v\u00edce. Obvykle se maxim\u00e1ln\u00ed mo\u017en\u00e1 doba vypo\u010d\u00edt\u00e1v\u00e1 na z\u00e1klad\u011b v\u011bku dlu\u017en\u00edka: nap\u0159\u00edklad jeho v\u011bk v dob\u011b \u00fapln\u00e9ho splacen\u00ed \u00fav\u011bru by nem\u011bl p\u0159es\u00e1hnout 80 let.<\/p>\n

Pevn\u00e9 \u00farokov\u00e9 sazby<\/h4>\n

Fixn\u00ed sazby nab\u00edzej\u00ed dlu\u017en\u00edk\u016fm stabilitu, proto\u017ee spl\u00e1tky hypot\u00e9ky z\u016fst\u00e1vaj\u00ed stejn\u00e9 po celou dobu trv\u00e1n\u00ed \u00fav\u011bru. To eliminuje riziko kol\u00eds\u00e1n\u00ed \u00farokov\u00fdch sazeb a poskytuje dlu\u017en\u00edk\u016fm p\u0159edv\u00eddatelnost a d\u016fv\u011bru ve sv\u00e9 finan\u010dn\u00ed z\u00e1vazky. Hypot\u00e9ky s pevnou \u00farokovou sazbou jsou vyd\u00e1v\u00e1ny na krat\u0161\u00ed dobu, maxim\u00e1ln\u011b na 30 let.<\/p>\n

Sm\u00ed\u0161en\u00e9 \u00farokov\u00e9 sazby<\/h4>\n

Sm\u00ed\u0161en\u00e9 sazby kombinuj\u00ed prvky pohybliv\u00e9 i pevn\u00e9 sazby, obvykle nab\u00edzej\u00ed pevnou sazbu na za\u010d\u00e1tku hypot\u00e9ky a pot\u00e9 p\u0159ech\u00e1zej\u00ed na pohyblivou sazbu. To m\u016f\u017ee dlu\u017en\u00edk\u016fm nab\u00eddnout kompromis mezi stabilitou plateb na za\u010d\u00e1tku a potenci\u00e1ln\u00edm p\u0159\u00ednosem ni\u017e\u0161\u00edch \u00farokov\u00fdch sazeb v budoucnu.<\/p>\n

Jin\u00e9 materi\u00e1ln\u00ed podm\u00ednky<\/h3>\n

Krom\u011b \u00farokov\u00fdch sazeb je t\u0159eba p\u0159i v\u00fdb\u011bru hypote\u010dn\u00edho programu zv\u00e1\u017eit i dal\u0161\u00ed faktory, jako jsou podm\u00ednky financov\u00e1n\u00ed, po\u017eadavky na z\u00e1lohu a dostupnost dal\u0161\u00edch v\u00fdhod. N\u011bkter\u00e9 banky nab\u00edzej\u00ed speci\u00e1ln\u00ed programy s extr\u00e9mn\u011b m\u00edrn\u00fdmi podm\u00ednkami pro po\u0159\u00edzen\u00ed prvn\u00edho bydlen\u00ed, v\u010detn\u011b sn\u00ed\u017een\u00fdch sazeb hypot\u00e9k, del\u0161\u00edch podm\u00ednek spl\u00e1cen\u00ed a sn\u00ed\u017een\u00fdch po\u017eadavk\u016f na z\u00e1lohu. Obvykle je v\u00fd\u0161e financov\u00e1n\u00ed 70\u201380 % z ceny transakce bez dan\u00ed a v\u00fddaj\u016f. P\u0159i po\u0159\u00edzen\u00ed bydlen\u00ed p\u0159\u00edmo od banky (nemovitosti zcizen\u00e9 rozhodnut\u00edm soudu) v\u0161ak m\u016f\u017eete po\u010d\u00edtat s financov\u00e1n\u00edm a\u017e 100 %. Anal\u00fdza r\u016fzn\u00fdch typ\u016f \u00farokov\u00fdch sazeb a podm\u00ednek nab\u00edzen\u00fdch velk\u00fdmi \u0161pan\u011blsk\u00fdmi bankami umo\u017en\u00ed potenci\u00e1ln\u00edm dlu\u017en\u00edk\u016fm naj\u00edt nejvhodn\u011bj\u0161\u00ed a nejv\u00fdhodn\u011bj\u0161\u00ed finan\u010dn\u00ed \u0159e\u0161en\u00ed, kter\u00e9 vyhovuje jejich individu\u00e1ln\u00edm pot\u0159eb\u00e1m.<\/p>\n

P\u0159edb\u011b\u017en\u00e1 anal\u00fdza<\/h3>\n

V\u0161echny velk\u00e9 \u0161pan\u011blsk\u00e9 banky maj\u00ed na sv\u00fdch webov\u00fdch str\u00e1nk\u00e1ch hypote\u010dn\u00ed kalkula\u010dky, kde si m\u016f\u017eete ud\u011blat p\u0159edb\u011b\u017en\u00e9 kalkulace s r\u016fzn\u00fdmi podm\u00ednkami, \u010d\u00e1stkami a typy sazeb. T\u00e9m\u011b\u0159 v\u0161echny banky nab\u00edzej\u00ed bonusov\u00e9 programy: n\u00e1kup dal\u0161\u00edho finan\u010dn\u00edho produktu nebo slu\u017eby (soukrom\u00fd penzijn\u00ed pl\u00e1n, poji\u0161t\u011bn\u00ed, kreditn\u00ed karty, propojen\u00ed plateb, dan\u00ed a plateb energi\u00ed s \u00fa\u010dtem, p\u0159ipojen\u00ed popla\u0161n\u00e9ho syst\u00e9mu atd.) umo\u017e\u0148uje sn\u00ed\u017eit \u00farokovou sazbu o n\u011bkolik bod\u016f. N\u011bkdy m\u016f\u017ee maxim\u00e1ln\u00ed bonusov\u00fd program sn\u00ed\u017eit sazbu o 1 % nebo v\u00edce. Hypote\u010dn\u00ed podm\u00ednky tak\u00e9 v\u017edy zahrnuj\u00ed ukazatele jako TIN a TAE. TAE, neboli Tasa Anual Equivalente, odr\u00e1\u017e\u00ed celkov\u00e9 n\u00e1klady na hypot\u00e9ku za rok, v\u010detn\u011b v\u0161ech dodate\u010dn\u00fdch n\u00e1klad\u016f, jako jsou provize, poplatky a poji\u0161t\u011bn\u00ed. Tyto v\u00fddaje, i kdy\u017e zvy\u0161uj\u00ed n\u00e1klady na va\u0161i hypot\u00e9ku v prvn\u00edm roce, nemaj\u00ed vliv na n\u00e1sleduj\u00edc\u00ed obdob\u00ed. Na druhou stranu DI\u010c neboli Tipo de Inter\u00e9s Nominal je \u010dist\u00e1 \u00farokov\u00e1 sazba p\u016fj\u010dky p\u0159ed zapo\u010dten\u00edm dodate\u010dn\u00fdch n\u00e1klad\u016f. Tato sazba m\u016f\u017ee b\u00fdt fixn\u00ed po celou dobu hypote\u010dn\u00edho \u00fav\u011bru nebo pohybliv\u00e1, pravideln\u011b revidovan\u00e1 v z\u00e1vislosti na podm\u00ednk\u00e1ch smlouvy. Pro hypot\u00e9ky s pohyblivou sazbou je typick\u00e9 nav\u00e1z\u00e1n\u00ed na ukazatel EURIBOR s p\u0159ipo\u010dten\u00edm \u00farokov\u00e9ho diferenci\u00e1lu (Euribor + X %). Zm\u011bna EURIBORu tak p\u0159\u00edmo ovliv\u0148uje m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky hypot\u00e9ky, co\u017e m\u016f\u017ee b\u00fdt pro dlu\u017en\u00edka bu\u010f v\u00fdhodn\u00e9, nebo rizikov\u00e9. Zv\u00fd\u0161en\u00ed EURIBOR povede k vy\u0161\u0161\u00edm platb\u00e1m, zat\u00edmco sn\u00ed\u017een\u00ed zlevn\u00ed poskytov\u00e1n\u00ed \u00fav\u011br\u016f. Pohybliv\u00e9 \u00farokov\u00e9 sazby se reviduj\u00ed ka\u017ed\u00fdch 6 nebo 12 m\u011bs\u00edc\u016f.<\/p>\n

Banco Santander: Sazby hypot\u00e9k v roce 2024<\/h2>\n

Banco Santander je l\u00eddrem na \u0161pan\u011blsk\u00e9m finan\u010dn\u00edm trhu a vynik\u00e1 rozmanitost\u00ed hypote\u010dn\u00edch nab\u00eddek. Banka pracuje se v\u0161emi typy sazeb a nab\u00edz\u00ed bonusy za vyu\u017e\u00edv\u00e1n\u00ed dopl\u0148kov\u00fdch bankovn\u00edch produkt\u016f \u2013 a\u017e 1,10 %. Nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku lze z\u00edskat online \u017e\u00e1dost\u00ed o hypot\u00e9ku. Hypot\u00e9ka v Banco Santander v roce 2024, v\u0161eobecn\u00e9 podm\u00ednky:<\/strong><\/p>\n

    \n
  • Koup\u011b prim\u00e1rn\u00edho bydlen\u00ed: \u00fav\u011br a\u017e na 30 let a\u017e do v\u00fd\u0161e 80 % odhadn\u00ed hodnoty nemovitosti.<\/li>\n
  • Koup\u011b druh\u00e9ho bydlen\u00ed a n\u00e1sledn\u00e9: \u00fav\u011br a\u017e na 25 let na \u010d\u00e1stku a\u017e 70 % odhadn\u00ed hodnoty nemovitosti.<\/li>\n
  • V obou p\u0159\u00edpadech nesm\u00ed v\u011bk dlu\u017en\u00edka v dob\u011b spl\u00e1cen\u00ed hypot\u00e9ky dle spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e p\u0159es\u00e1hnout 80 let.<\/li>\n
  • Bankovn\u00ed provize za zpracov\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru: 0 %<\/li>\n<\/ul>\n

    Hypot\u00e9ka s pohyblivou sazbou u Banco Santander v roce 2024:<\/strong><\/p>\n

      \n
    • Bez bonusov\u00e9ho programu (Hipoteca Variable no Bonificada): 1,89 % za prvn\u00edch 6 m\u011bs\u00edc\u016f a Euribor + 1,89 % od 7. m\u011bs\u00edce (TAE 5,74 %).<\/li>\n
    • S maxim\u00e1ln\u00edm bonusov\u00fdm programem (Hipoteca Variable Bonificada): 1,89 % za prvn\u00edch 6 m\u011bs\u00edc\u016f a Euribor + 0,79 % od 7. m\u011bs\u00edce (TAE 5,00 %).<\/li>\n<\/ul>\n

      Hypot\u00e9ky s pevnou sazbou u Banco Santander v roce 2024:<\/strong><\/p>\n

        \n
      • Bez bonusov\u00e9ho programu (Hipoteca Fija no Bonificada): 2,90 % za prvn\u00edch 6 m\u011bs\u00edc\u016f a 3,90 % od 7. m\u011bs\u00edce (TAE 4,10 %).<\/li>\n
      • S maxim\u00e1ln\u00edm bonusov\u00fdm programem (Hipoteca Fija Bonificada): 2,90 % za prvn\u00edch 6 m\u011bs\u00edc\u016f a 2,80 % od 7. m\u011bs\u00edce (TAE 3,39 %).<\/li>\n<\/ul>\n

        Hypot\u00e9ky se sm\u00ed\u0161enou sazbou u Banco Santander v roce 2024:<\/strong><\/p>\n

          \n
        • Hipoteca Mixta: p\u0159echod z fixn\u00ed na pohyblivou \u00farokovou sazbu po 9,5 letech:<\/li>\n<\/ul>\n
            \n
          1. Bez bonusov\u00e9ho programu: 2,80 % po dobu prvn\u00edch 6 m\u011bs\u00edc\u016f, 3,80 % od 7. m\u011bs\u00edce po dobu 9 let a Euribor + 1,89 % od 10. roku (TAE 4,73 %).<\/li>\n
          2. S maxim\u00e1ln\u00edm bonusov\u00fdm programem: 2,80 % po dobu prvn\u00edch 6 m\u011bs\u00edc\u016f, 2,70 % od 7. m\u011bs\u00edce po dobu 9 let a Euribor + 0,79 % od 10. roku (TAE 4,02 %).<\/li>\n<\/ol>\n
              \n
            • Hipoteca Mixta Plus: p\u0159echod z fixn\u00ed na pohyblivou \u00farokovou sazbu po 2,5 letech:<\/li>\n<\/ul>\n
                \n
              1. Bez bonusov\u00e9ho programu: 2,60 % po dobu prvn\u00edch 6 m\u011bs\u00edc\u016f, 3,60 % od 7. m\u011bs\u00edce po dobu 2 let a Euribor + 1,97 % od 3. roku (TAE 5,50 %).<\/li>\n
              2. S maxim\u00e1ln\u00edm bonusov\u00fdm programem: 2,60 % po dobu prvn\u00edch 6 m\u011bs\u00edc\u016f, 2,50 % od 7. m\u011bs\u00edce po dobu 2 let a Euribor + 0,87 % od 3. roku (TAE 4,78 %).<\/li>\n<\/ol>\n

                Hypot\u00e9ky pro mlad\u00e9 v Banco Santander v roce 2024:<\/strong><\/p>\n

                  \n
                • V\u011bk: ne v\u00edce ne\u017e 35 let v dob\u011b registrace hypot\u00e9ky<\/li>\n
                • V\u00fd\u0161e financov\u00e1n\u00ed: a\u017e 95 % ni\u017e\u0161\u00ed z ceny transakce nebo odhadn\u00ed hodnoty.<\/li>\n
                • P\u016fj\u010dka a\u017e na 30 let.<\/li>\n
                • Volba sazby je na uv\u00e1\u017een\u00ed dlu\u017en\u00edka.<\/li>\n<\/ul>\n

                  Openbank: Sazby hypot\u00e9k v roce 2024<\/h2>\n

                  Openbank je sou\u010d\u00e1st\u00ed skupiny Banco Santander. Je to velk\u00e1 online banka, kter\u00e1 nem\u00e1 \u017e\u00e1dn\u00e9 fyzick\u00e9 pobo\u010dky. Klienti Openbank vyu\u017e\u00edvaj\u00ed bankomaty Banco Santander bez provize. Co se t\u00fd\u010de hypot\u00e9k, i tato banka pracuje se t\u0159emi typy sazeb \u2013 plovouc\u00ed, fixn\u00ed a sm\u00ed\u0161enou. Hypot\u00e9ka v Openbank v roce 2024, v\u0161eobecn\u00e9 podm\u00ednky:<\/strong><\/p>\n

                    \n
                  • N\u00e1kup prim\u00e1rn\u00edho bydlen\u00ed \u2013 a\u017e 80 % a n\u00e1kup druh\u00e9ho bydlen\u00ed \u2013 a\u017e 70 % ni\u017e\u0161\u00ed z transak\u010dn\u00ed ceny nebo odhadn\u00ed hodnoty.<\/li>\n
                  • M\u011bs\u00ed\u010dn\u00ed spl\u00e1tky hypot\u00e9ky by s p\u0159ihl\u00e9dnut\u00edm k ostatn\u00edm finan\u010dn\u00edm v\u00fddaj\u016fm nem\u011bly p\u0159es\u00e1hnout 40 % p\u0159\u00edjm\u016f.<\/li>\n
                  • Minim\u00e1ln\u00ed v\u00fd\u0161e p\u016fj\u010dky je 30 000 \u20ac, maxim\u00e1ln\u00ed 3 000 000 \u20ac.<\/li>\n
                  • Maxim\u00e1ln\u00ed po\u010det vyp\u016fj\u010ditel\u016f: 2 osoby. V\u011bk nejmlad\u0161\u00ed osoby v dob\u011b skon\u010den\u00ed v\u00fdp\u016fj\u010dn\u00ed doby nesm\u00ed p\u0159es\u00e1hnout 80 let.<\/li>\n
                  • Bankovn\u00ed provize za zpracov\u00e1n\u00ed hypot\u00e9ky: 0 %.<\/li>\n<\/ul>\n

                    Hypot\u00e9ka v Openbank v roce 2024, r\u016fzn\u00e9 mo\u017enosti sazby<\/strong> (pro v\u0161echny plat\u00ed dodate\u010dn\u00fd bonus 0,10 % p\u0159i \u017e\u00e1dosti o p\u016fj\u010dku 150 000 EUR nebo v\u00edce):<\/p>\n

                      \n
                    • Plovouc\u00ed \u00farokov\u00e1 sazba bez bonusov\u00e9ho programu: od 2,10 % v prvn\u00edm roce a Euribor + 1,10 % od druh\u00e9ho roku (TAE 4,87 %).<\/li>\n
                    • Plovouc\u00ed \u00farokov\u00e1 sazba s bonusov\u00fdm programem: od 1,60 % v prvn\u00edm roce a Euribor + 0,60 % od druh\u00e9ho roku (TAE 4,63 %).<\/li>\n
                    • Pevn\u00e1 \u00farokov\u00e1 sazba bez bonusov\u00e9ho programu: od 3,45 % (TAE 3,76 %).<\/li>\n
                    • Pevn\u00e1 \u00farokov\u00e1 sazba s bonusov\u00fdm programem: od 2,95 % (TAE 3,56 %).<\/li>\n
                    • Sm\u00ed\u0161en\u00e1 \u00farokov\u00e1 sazba bez bonusov\u00e9ho programu: od 3.13: b\u011bhem prvn\u00edch 10 let a od Euribor + 1,05 % od 11. roku (TAE 3,60 %).<\/li>\n
                    • Sm\u00ed\u0161en\u00e1 \u00farokov\u00e1 sazba s bonusov\u00fdm programem: od 2,63: b\u011bhem prvn\u00edch 10 let a od Euribor + 0,55 % po\u010d\u00ednaje rokem 11 (TAE 3,40 %).<\/li>\n<\/ul>\n

                      CaixaBank: Sazby hypot\u00e9k v roce 2024<\/h2>\n

                      CaixaBank p\u0159estala pracovat s pohybliv\u00fdmi sazbami p\u0159ed n\u011bkolika lety, tak\u017ee dnes jsou hypot\u00e9ky v t\u00e9to bance vyd\u00e1v\u00e1ny pouze s pevnou \u00farokovou sazbou. Hypot\u00e9ka v CaixaBank v roce 2024, v\u0161eobecn\u00e9 podm\u00ednky:<\/strong><\/p>\n

                        \n
                      • Poplatek za zpracov\u00e1n\u00ed hypot\u00e9ky: 0 %<\/li>\n
                      • Speci\u00e1ln\u00ed program na financov\u00e1n\u00ed n\u00e1kupu bydlen\u00ed s pl\u00e1novan\u00fdmi pracemi zam\u011b\u0159en\u00fdmi na zv\u00fd\u0161en\u00ed jeho energetick\u00e9 \u00fa\u010dinnosti.<\/li>\n
                      • Hypot\u00e9ka a\u017e do v\u00fd\u0161e 90 % n\u00e1klad\u016f na bydlen\u00ed pro mlad\u00e9 lidi ve v\u011bku 18 a\u017e 35 let \u017eij\u00edc\u00ed v Madridu, na Bale\u00e1r\u00e1ch, Andalusii nebo Castilla y Le\u00f3n.<\/li>\n
                      • Zjednodu\u0161en\u00fd postup kontroly online \u017e\u00e1dosti.<\/li>\n<\/ul>\n

                        Mo\u017enosti hypot\u00e9ky u CaixaBank v roce 2024:<\/strong><\/p>\n

                          \n
                        • Koup\u011b domu bez z\u00e1m\u011bru zlep\u0161it jeho energetickou \u00fa\u010dinnost: bez bonusov\u00e9ho programu \u2013 3,90 % (TAE 4,368 %), s bonusov\u00fdm programem \u2013 2,90 % (TAE 4,267 %).<\/li>\n
                        • Koup\u011b domu se z\u00e1m\u011brem zlep\u0161it jeho energetickou \u00fa\u010dinnost: bez bonusov\u00e9ho programu \u2013 3,80 % (TAE 4,302 %), s bonusov\u00fdm programem \u2013 2,80 % (TAE 4,206 %).<\/li>\n<\/ul>\n

                          BBVA: Sazby hypot\u00e9k v roce 2024<\/h2>\n

                          BBVA je dal\u0161\u00ed velkou a velmi obl\u00edbenou \u0161pan\u011blskou bankou, kter\u00e1 nab\u00edz\u00ed v\u00fdhodn\u00e9 hypote\u010dn\u00ed podm\u00ednky. V t\u00e9to bance m\u016f\u017eete \u017e\u00e1dat o hypote\u010dn\u00ed \u00fav\u011br s pohyblivou nebo pevnou sazbou. Stejn\u011b jako ostatn\u00ed banky m\u00e1 i BBVA vlastn\u00ed bonusov\u00fd program, kter\u00fd umo\u017e\u0148uje v\u00fdrazn\u011b sn\u00ed\u017eit sazbu. Hypot\u00e9ka v BBVA v roce 2024, v\u0161eobecn\u00e9 podm\u00ednky:<\/strong><\/p>\n

                            \n
                          • N\u00e1kup prim\u00e1rn\u00edho bydlen\u00ed \u2013 a\u017e 80 % a n\u00e1kup druh\u00e9ho bydlen\u00ed \u2013 a\u017e 70 % ni\u017e\u0161\u00ed z transak\u010dn\u00ed ceny nebo odhadn\u00ed hodnoty.<\/li>\n
                          • P\u016fj\u010dka a\u017e na 30 let.<\/li>\n
                          • V\u011bk dlu\u017en\u00edka v dob\u011b spl\u00e1cen\u00ed hypot\u00e9ky dle spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e nesm\u00ed p\u0159es\u00e1hnout 80 let.<\/li>\n
                          • Bankovn\u00ed provize za zpracov\u00e1n\u00ed hypot\u00e9ky: 0 %.<\/li>\n<\/ul>\n

                            \u00darokov\u00e9 sazby platn\u00e9 u BBVA:<\/strong><\/p>\n

                              \n
                            • Plovouc\u00ed \u00farokov\u00e1 sazba bez bonusov\u00e9ho programu: od 1,99 % na prvn\u00edch 12 m\u011bs\u00edc\u016f a od Euribor + 1,60 % od druh\u00e9ho roku (TAE 5,68 %).<\/li>\n
                            • Plovouc\u00ed \u00farokov\u00e1 sazba s p\u0159ihl\u00e9dnut\u00edm k bonusov\u00e9mu programu: od 1,99 % po dobu prvn\u00edch 12 m\u011bs\u00edc\u016f a od Euribor + 0,60 % po\u010d\u00ednaje druh\u00fdm rokem (TAE 5,08 %).<\/li>\n
                            • Pevn\u00e1 \u00farokov\u00e1 sazba bez bonusov\u00e9ho programu: od 3,90 % na dobu a\u017e 15 let (TAE 4,57 %), od 4,00 % na dobu 16 a\u017e 20 let (TAE 4,65 %), od 4,00 % na dobu 21 a\u017e 25 let (TAE 4,62 %), 2,0 % na dobu 4,0 % a 6,0 %<\/li>\n
                            • Pevn\u00e1 \u00farokov\u00e1 sazba s p\u0159ihl\u00e9dnut\u00edm k bonusov\u00e9mu programu: od 2,90 % na 15 let (TAE 3,83 %).<\/li>\n<\/ul>\n

                              Banco Sabadell: Sazby hypot\u00e9k v roce 2024<\/h2>\n

                              Banco Sabadell operuje s pohybliv\u00fdmi a fixn\u00edmi \u00farokov\u00fdmi sazbami a od lo\u0148sk\u00e9ho roku se vr\u00e1tila ke sm\u00ed\u0161en\u00fdm sazb\u00e1m. Bonusov\u00fd syst\u00e9m umo\u017e\u0148uje sn\u00ed\u017eit sazbu o 1,00 %. Hypot\u00e9ka v Banco Sabadell v roce 2024, v\u0161eobecn\u00e9 podm\u00ednky:<\/strong><\/p>\n

                                \n
                              • N\u00e1kup prim\u00e1rn\u00edho bydlen\u00ed \u2013 a\u017e 80 % a n\u00e1kup druh\u00e9ho bydlen\u00ed \u2013 a\u017e 70 % ni\u017e\u0161\u00ed z transak\u010dn\u00ed ceny nebo odhadn\u00ed hodnoty.<\/li>\n
                              • P\u016fj\u010dka a\u017e na 30 let.<\/li>\n
                              • M\u011bs\u00ed\u010dn\u00ed spl\u00e1tky hypot\u00e9ky by s p\u0159ihl\u00e9dnut\u00edm k ostatn\u00edm finan\u010dn\u00edm v\u00fddaj\u016fm nem\u011bly p\u0159es\u00e1hnout 40 % p\u0159\u00edjm\u016f.<\/li>\n
                              • Bankovn\u00ed provize za zpracov\u00e1n\u00ed hypot\u00e9ky: 0 %.<\/li>\n<\/ul>\n

                                \u00darokov\u00e9 sazby a podm\u00ednky hypot\u00e9k Banco Sabadell v roce 2024:<\/strong><\/p>\n

                                  \n
                                • Plovouc\u00ed \u00farokov\u00e1 sazba bez bonusov\u00e9ho programu: 3,15 % na prvn\u00edch 12 m\u011bs\u00edc\u016f a Euribor + 1,60 % od druh\u00e9ho roku (TAE 5,56 %).<\/li>\n
                                • Plovouc\u00ed \u00farokov\u00e1 sazba s p\u0159ihl\u00e9dnut\u00edm k bonusov\u00e9mu programu: 2,15 % na prvn\u00edch 12 m\u011bs\u00edc\u016f a Euribor + 0,60 % od druh\u00e9ho roku (TAE 5,21 %).<\/li>\n
                                • Pevn\u00e1 \u00farokov\u00e1 sazba bez bonusov\u00e9ho programu: 3,75 % (TAE 4,19 %).<\/li>\n
                                • Pevn\u00e1 \u00farokov\u00e1 sazba v\u010detn\u011b bonusov\u00e9ho programu: 2,75 % (TAE 3,87 %).<\/li>\n
                                • Sm\u00ed\u0161en\u00e1 \u00farokov\u00e1 sazba bez bonusov\u00e9ho programu: 3,15 % na prvn\u00ed 3 roky a Euribor + 1,75 % od 4. roku (TAE 5,34 %). V p\u0159\u00edpad\u011b pot\u0159eby lze dobu fixace prodlou\u017eit na 5 nebo 7 let.<\/li>\n
                                • Sm\u00ed\u0161en\u00e1 \u00farokov\u00e1 sazba s p\u0159ihl\u00e9dnut\u00edm k bonusov\u00e9mu programu: 2,25 % na prvn\u00ed 3 roky a Euribor + 0,85 % od 4. roku (TAE 4,68 %).<\/li>\n<\/ul>\n

                                  ABANCA: Sazby hypot\u00e9k v roce 2024<\/h2>\n

                                  ABANCA, stejn\u011b jako Banco Santander, nejen\u017ee pracuje se v\u0161emi \u00farokov\u00fdmi sazbami, ale m\u00e1 tak\u00e9 speci\u00e1ln\u00ed program pro financov\u00e1n\u00ed n\u00e1kupu bydlen\u00ed s vysokou t\u0159\u00eddou energetick\u00e9 \u00fa\u010dinnosti (A nebo B). Je to velk\u00e1 banka, jedna z deseti nejlep\u0161\u00edch ve \u0160pan\u011blsku. Hypot\u00e9ka v ABANCA v roce 2024, v\u0161eobecn\u00e9 podm\u00ednky:<\/strong><\/p>\n

                                    \n
                                  • P\u016fj\u010dka a\u017e na 30 let.<\/li>\n
                                  • Financov\u00e1n\u00ed a\u017e 80 % ni\u017e\u0161\u00ed z ceny transakce nebo odhadn\u00ed hodnoty.<\/li>\n
                                  • Bankovn\u00ed provize za zpracov\u00e1n\u00ed hypot\u00e9ky: 0 %.<\/li>\n
                                  • Hodnocen\u00ed: ka\u017ed\u00fdch 12 m\u011bs\u00edc\u016f.<\/li>\n<\/ul>\n

                                    \u00darokov\u00e9 sazby v ABANCA v roce 2024:<\/strong><\/p>\n

                                      \n
                                    • Plovouc\u00ed \u00farokov\u00e1 sazba bez bonusov\u00e9ho programu: 2,40 % na prvn\u00edch 12 m\u011bs\u00edc\u016f a Euribor + 1,60 % po\u010d\u00ednaje rokem 2 (TAE 5,61 %).<\/li>\n
                                    • Plovouc\u00ed \u00farokov\u00e1 sazba s p\u0159ihl\u00e9dnut\u00edm k bonusov\u00e9mu programu: 1,40 % na prvn\u00edch 12 m\u011bs\u00edc\u016f a Euribor + 0,60 % po\u010d\u00ednaje rokem 2 (TAE 5,72 %).<\/li>\n
                                    • Bydlen\u00ed s t\u0159\u00eddou energetick\u00e9 \u00fa\u010dinnosti A nebo B – pohybliv\u00e1 \u00farokov\u00e1 sazba bez bonusov\u00e9ho programu: 2,40 % na prvn\u00edch 12 m\u011bs\u00edc\u016f a Euribor + 1,60 % od 2. roku (TAE 5,61 %).<\/li>\n
                                    • Bydlen\u00ed s t\u0159\u00eddou energetick\u00e9 \u00fa\u010dinnosti A nebo B – pohybliv\u00e1 \u00farokov\u00e1 sazba s p\u0159ihl\u00e9dnut\u00edm k bonusov\u00e9mu programu: 1,30 % na prvn\u00edch 12 m\u011bs\u00edc\u016f a Euribor + 0,60 % od 2. roku (TAE 5,71 %).<\/li>\n
                                    • Pevn\u00e1 \u00farokov\u00e1 sazba bez bonusov\u00e9ho programu: 3,90 % (TAE 4,51 %).<\/li>\n
                                    • Pevn\u00e1 \u00farokov\u00e1 sazba v\u010detn\u011b bonusov\u00e9ho programu: 2,90 % (TAE 4,80 %).<\/li>\n
                                    • Sm\u00ed\u0161en\u00e1 \u00farokov\u00e1 sazba bez bonusov\u00e9ho programu: 3,50 % na prvn\u00edch 5 let a Euribor + 1,60 % od 6. roku (TAE 5,12 %).<\/li>\n
                                    • Sm\u00ed\u0161en\u00e1 \u00farokov\u00e1 sazba s p\u0159ihl\u00e9dnut\u00edm k bonusov\u00e9mu programu: 2,50 % na prvn\u00ed 3 roky a Euribor + 0,60 % od 6. roku (TAE 5,25 %).<\/li>\n<\/ul>\n

                                      Kter\u00e1 hypot\u00e9ka ve \u0160pan\u011blsku je pova\u017eov\u00e1na za v\u00fdhodn\u011bj\u0161\u00ed<\/h2>\n

                                      V obdob\u00ed, kdy Euribor vykazoval negativn\u00ed dynamiku a z\u016fstal pod nulou nebo m\u00edrn\u011b nad, byla za nejziskov\u011bj\u0161\u00ed hypot\u00e9ku pova\u017eov\u00e1na hypot\u00e9ka s pohyblivou \u00farokovou sazbou. Nyn\u00ed se v\u0161ak dlu\u017en\u00edci sna\u017e\u00ed p\u0159edev\u0161\u00edm z\u00edskat financov\u00e1n\u00ed na n\u00e1kup bydlen\u00ed za pevnou \u00farokovou sazbu. V dob\u011b ekonomick\u00e9 nestability poskytuje pevn\u00e1 hypote\u010dn\u00ed sazba dlu\u017en\u00edkovi jistotu a p\u0159edv\u00eddatelnost. Na rozd\u00edl od pohybliv\u00fdch sazeb, kter\u00e9 jsou z\u00e1visl\u00e9 na v\u00fdkyvech Euriboru a podl\u00e9haj\u00ed pravideln\u00e9 revizi, z\u016fst\u00e1v\u00e1 fixn\u00ed sazba po celou dobu trv\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru nem\u011bnn\u00e1. To chr\u00e1n\u00ed rozpo\u010det dlu\u017en\u00edka a umo\u017e\u0148uje mu zapojit se do finan\u010dn\u00edho pl\u00e1nov\u00e1n\u00ed pro nadch\u00e1zej\u00edc\u00ed roky. Net\u0159eba dod\u00e1vat, \u017ee \u0161pan\u011blsk\u00e9 banky se \u0159\u00edd\u00ed p\u0159esn\u011b opa\u010dn\u00fdmi \u00favahami a preferuj\u00ed vyd\u00e1v\u00e1n\u00ed hypot\u00e9k s pohyblivou sazbou. To bank\u00e1m umo\u017e\u0148uje p\u0159izp\u016fsobit se zm\u011bn\u00e1m v ekonomice a chr\u00e1nit se p\u0159ed ztr\u00e1tami p\u0159i r\u016fstu \u00farokov\u00fdch sazeb. Pevn\u00e1 sazba na druh\u00e9 stran\u011b fixuje \u00farokovou sazbu po celou dobu trv\u00e1n\u00ed \u00fav\u011bru, co\u017e omezuje ziskovost banky p\u0159i zv\u00fd\u0161en\u00ed tr\u017en\u00edch sazeb. Protich\u016fdn\u00e9 z\u00e1jmy vedou k tomu, \u017ee banky co nejv\u00edce zp\u0159\u00eds\u0148uj\u00ed podm\u00ednky a po\u017eadavky na hypot\u00e9ky s pevnou \u00farokovou sazbou a po\u017eaduj\u00ed od dlu\u017en\u00edka potvrzen\u00ed dostate\u010dn\u011b vysok\u00e9ho p\u0159\u00edjmu a stabiln\u00edho postaven\u00ed na trhu pr\u00e1ce (ur\u010dit\u00e1 d\u00e9lka slu\u017eby v jednom podniku, trval\u00e1 pracovn\u00ed smlouva atd.). Pro podnikatele je nejobt\u00ed\u017en\u011bj\u0161\u00ed z\u00edskat hypot\u00e9ku ve \u0160pan\u011blsku, proto\u017ee Prok\u00e1zat svou ekonomickou stabilitu je pro n\u011b t\u011b\u017ek\u00fd \u00fakol. V ka\u017ed\u00e9m p\u0159\u00edpad\u011b jsou v\u0161echny \u017e\u00e1dosti o hypote\u010dn\u00ed \u00fav\u011br posuzov\u00e1ny individu\u00e1ln\u011b. Je t\u0159eba tak\u00e9 p\u0159ipomenout, \u017ee sou\u010dasn\u00e9 legislativn\u00ed normy upravuj\u00edc\u00ed hypote\u010dn\u00ed sektor umo\u017e\u0148uj\u00ed dlu\u017en\u00edkovi kdykoli po\u017e\u00e1dat o subrogaci, tzn. zm\u011bnit svou p\u016fvodn\u00ed banku refinancov\u00e1n\u00edm jinou bankou s v\u00fdhodn\u011bj\u0161\u00edmi podm\u00ednkami. P\u0159ipome\u0148me, \u017ee v\u017edy se m\u016f\u017eete obr\u00e1tit na na\u0161e specialisty, kte\u0159\u00ed v\u00e1m porad\u00ed s n\u00e1kupem nemovitosti ve \u0160pan\u011blsku s hypot\u00e9kou a tak\u00e9 s v\u00fdb\u011brem nejv\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek hypote\u010dn\u00edho \u00fav\u011bru p\u0159\u00edmo pro v\u00e1s.<\/p>","protected":false},"excerpt":{"rendered":"

                                      Hypot\u00e9ky ve \u0160pan\u011blsku jsou i nad\u00e1le jedn\u00edm z nejobl\u00edben\u011bj\u0161\u00edch\u2026<\/p>\n","protected":false},"author":19,"featured_media":563349,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,957,73],"tags":[],"class_list":["post-563344","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-mortgage-in-spain","category-property-in-spain"],"yoast_head":"\n\u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2024 \u0433\u043e\u0434\u0443: \u0441\u0442\u0430\u0432\u043a\u0438, \u0443\u0441\u043b\u043e\u0432\u0438\u044f, \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f<\/title>\n<meta name=\"description\" content=\"\u0412 \u044d\u0442\u043e\u0439 \u0441\u0442\u0430\u0442\u044c\u0435 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