{"id":264,"date":"2020-11-15T17:49:37","date_gmt":"2020-11-15T16:49:37","guid":{"rendered":"https:\/\/izeny.eu\/?p=264"},"modified":"2022-01-09T21:25:40","modified_gmt":"2022-01-09T20:25:40","slug":"dostat-hypoteku-bude-tezsi-banky-zprisnuji-podminky","status":"publish","type":"post","link":"https:\/\/izeny.eu\/?p=264","title":{"rendered":"Dostat hypot\u00e9ku bude t\u011b\u017e\u0161\u00ed, banky zp\u0159\u00eds\u0148uj\u00ed podm\u00ednky"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Financov\u00e1n\u00ed bydlen\u00ed hypot\u00e9kou se vlivem koronakr\u00edzy komplikuje. Banky se v sou\u010dasn\u00e9 nejist\u00e9 situaci sna\u017e\u00ed chr\u00e1nit p\u0159ed klienty, u nich\u017e je vy\u0161\u0161\u00ed riziko nespl\u00e1cen\u00ed \u00fav\u011br\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0158ada bank ji\u017e kosmeticky zvedlo \u00faroky u hypot\u00e9k, ale zejm\u00e9na zp\u0159\u00edsnilo podm\u00ednky poskytov\u00e1n\u00ed nov\u00fdch \u00fav\u011br\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plo\u0161n\u00fdm zp\u0159\u00edsn\u011bn\u00edm posuzov\u00e1n\u00ed p\u0159\u00edjm\u016f se sna\u017e\u00ed vy\u0159adit z okruhu z\u00e1jemc\u016f lid\u00ed, kte\u0159\u00ed maj\u00ed ni\u017e\u0161\u00ed p\u0159\u00edjem, men\u0161\u00ed finan\u010dn\u00ed rezervu nebo kv\u016fli jin\u00fdm \u00fav\u011brem jsou p\u0159\u00edjmov\u011b na hran\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plat\u00ed to i p\u0159i refinancov\u00e1n\u00ed hypot\u00e9ky, kter\u00e1 byla dosud br\u00e1na jako formalita. Banky dnes precizn\u011bji kontroluj\u00ed finan\u010dn\u00ed situaci klienta a to iu lid\u00ed, kte\u0159\u00ed dosud se spl\u00e1cen\u00edm nem\u011bli nejmen\u0161\u00ed probl\u00e9my.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ni\u017e\u0161\u00ed \u00farok p\u0159i ni\u017e\u0161\u00edm \u00fav\u011bru<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nejv\u00fdrazn\u011bj\u0161\u00ed zm\u011bna, kterou banky aplikovali do praxe, je snaha o co nejv\u00fdhodn\u011bj\u0161\u00ed \u00faroky v\u016f\u010di konkurenci, ale \u010dasto jen ve v\u00fd\u0161i 50 a\u017e 60 procent ceny nemovitosti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ukazatel LTV (Loan To Value) &#8211; pom\u011br mezi v\u00fd\u0161kou poskytovan\u00e9 hypot\u00e9ky a hodnotou zakl\u00e1dan\u00e9 nemovitosti &#8211; se ji\u017e v lednu z dlouhodob\u00fdch 80 procent sesunula na 70 procent. Zp\u016fsobily to zejm\u00e9na preventivn\u00ed opat\u0159en\u00ed N\u00e1rodn\u00ed banky Slovenska (NBS).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u011bhem koronakr\u00edzy, kdy\u017e stoup\u00e1 riziko nespl\u00e1cen\u00fdch \u00fav\u011br\u016f a banky maj\u00ed vy\u0161\u0161\u00ed n\u00e1klady s opravn\u00fdmi polo\u017ekami, kleslo LTV je\u0161t\u011b n\u00ed\u017ee.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Financov\u00e1n\u00ed bydlen\u00ed hypot\u00e9kou se vlivem koronakr\u00edzy komplikuje. Banky se v sou\u010dasn\u00e9 nejist\u00e9 situaci sna\u017e\u00ed chr\u00e1nit p\u0159ed klienty, u nich\u017e je vy\u0161\u0161\u00ed riziko nespl\u00e1cen\u00ed \u00fav\u011br\u016f. \u0158ada bank ji\u017e kosmeticky zvedlo \u00faroky u hypot\u00e9k, ale zejm\u00e9na zp\u0159\u00edsnilo podm\u00ednky poskytov\u00e1n\u00ed nov\u00fdch \u00fav\u011br\u016f. Plo\u0161n\u00fdm zp\u0159\u00edsn\u011bn\u00edm posuzov\u00e1n\u00ed p\u0159\u00edjm\u016f se sna\u017e\u00ed vy\u0159adit z okruhu z\u00e1jemc\u016f lid\u00ed, kte\u0159\u00ed maj\u00ed ni\u017e\u0161\u00ed p\u0159\u00edjem, men\u0161\u00ed [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":595,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-264","post","type-post","status-publish","format-standard","has-post-thumbnail","category-zajimavosti"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/izeny.eu\/index.php?rest_route=\/wp\/v2\/posts\/264","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/izeny.eu\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/izeny.eu\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/izeny.eu\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/izeny.eu\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=264"}],"version-history":[{"count":0,"href":"https:\/\/izeny.eu\/index.php?rest_route=\/wp\/v2\/posts\/264\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/izeny.eu\/index.php?rest_route=\/wp\/v2\/media\/595"}],"wp:attachment":[{"href":"https:\/\/izeny.eu\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=264"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/izeny.eu\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=264"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/izeny.eu\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=264"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}