{"id":2534,"date":"2020-01-01T14:18:25","date_gmt":"2020-01-01T13:18:25","guid":{"rendered":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/?p=2534"},"modified":"2020-02-05T18:57:02","modified_gmt":"2020-02-05T17:57:02","slug":"jake-zmeny-nas-cekaji-v-roce-2020","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/jake-zmeny-nas-cekaji-v-roce-2020\/","title":{"rendered":"Jak\u00e9 zm\u011bny n\u00e1s \u010dekaj\u00ed v roce 2020?"},"content":{"rendered":"\n

Jak to bude s cenami nemovitost\u00ed? Do\u010dk\u00e1me se sn\u00ed\u017een\u00ed cen?<\/h3>\n\n\n\n

P\u0159es v\u00e1no\u010dn\u00ed sv\u00e1tky jsem se kone\u010dn\u011b za\u010detla do newsletter\u016f a odborn\u00fdch periodik, kter\u00e9 mi v pr\u016fb\u011bhu roku p\u0159i\u0161ly a obzvl\u00e1\u0161t\u011b posledn\u00ed v\u00fdtisky byly sv\u00fdm obsahem velmi zaj\u00edmav\u00e9, co se t\u00fdk\u00e1 v\u00fdhledu \u010desk\u00e9 ekonomiky do dal\u0161\u00edch m\u011bs\u00edc\u016f a let… Zaj\u00edmav\u00e1 je studie \u010cesk\u00e9 bankovn\u00ed asociace, ze kter\u00e9 vych\u00e1z\u00ed n\u00e1sleduj\u00edc\u00ed \u0159\u00e1dky.<\/p>\n\n\n\n\n\n\n\n

Cena vlastn\u00edho bydlen\u00ed<\/h3>\n\n\n\n

Ceny bydlen\u00ed v posledn\u00edch \u010dty\u0159ech letech dramaticky rostly- zdra\u017een\u00ed se po\u010d\u00edtalo na des\u00edtky procent ro\u010dn\u011b.<\/strong> Nov\u00e9 byty v Praze zdra\u017eily od roku 2015 o 90%. Letos r\u016fst ceny zpomalil a p\u0159\u00ed\u0161t\u00ed rok m\u00e1 dos\u00e1hnout jednotek procent. Aktu\u00e1ln\u011b se byty v Praze prod\u00e1vaj\u00ed za v\u00edce jak 110 tis\u00edc za metr \u010dtvere\u010dn\u00ed.<\/p>\n\n\n\n

Novostavby v Praze budou v roce 2020 op\u011bt dra\u017e\u0161\u00ed  ne\u017e v roce 2019. Regiony \u010dek\u00e1 stagnace cen.<\/em><\/p><\/blockquote>\n\n\n\n

Ceny byt\u016f se dostaly na nejvy\u0161\u0161\u00ed historick\u00e9 \u00farovn\u011b a mnoho lid\u00ed kv\u016fli regulaci hypot\u00e9k na vlastn\u00ed bydlen\u00ed u\u017e nedos\u00e1hne. <\/strong>Jak se tedy bude realitn\u00ed trh vyv\u00edjet v p\u0159\u00ed\u0161t\u00edm roce? Zejm\u00e9na v soci\u00e1ln\u011b slab\u0161\u00edch regionech se podle realitn\u00edch makl\u00e9\u0159\u016f d\u00e1 o\u010dek\u00e1vat stagnace nebo jen n\u00edzk\u00fd r\u016fst cen v \u0159\u00e1du jednotek procent. T\u00fdk\u00e1 se to nap\u0159\u00edklad Karlovarska, Ostravska nebo \u00dastecka. Naopak v \u017e\u00e1dan\u011bj\u0161\u00edch m\u011bstech, jako jsou Praha a Brno, ceny d\u00e1l porostou. <\/p>\n\n\n\n

Na r\u016fstu cen bydlen\u00ed se podepisuje hned n\u011bkolik faktor\u016f- od rostouc\u00edch cen pozemk\u016f a stavebn\u00edch prac\u00ed a materi\u00e1lu p\u0159es zastaral\u00fd \u00fazemn\u00ed pl\u00e1n a slo\u017eitou byrokracii vyd\u00e1n\u00ed stavebn\u00edho povolen\u00ed a\u017e po vysok\u00e9 da\u0148ov\u00e9 zat\u00ed\u017een\u00e1 a p\u0159\u00edsn\u00e9 normy v\u00fdstavby. <\/em><\/p><\/blockquote>\n\n\n\n

Podle studie, kterou vytvo\u0159ila \u010cesk\u00e1 bankovn\u00ed asociace vypl\u00fdv\u00e1, \u017ee tuzemsk\u00fd realitn\u00ed trh od roku 1990 za\u017eil u\u017e dva cenov\u00e9 vrcholy. Prvn\u00ed vlna r\u016fstu cen byt\u016f prob\u011bhla mezi lety 2000 a 2004<\/strong> a byla zp\u016fsobena zejm\u00e9na pozitivn\u00edm o\u010dek\u00e1v\u00e1n\u00edm ohledn\u011b budouc\u00ed situace a mo\u017en\u00e9 cenov\u00e9 expanze reziden\u010dn\u00edho bydlen\u00ed, kter\u00e9 nastane po vstupu \u010cR do EU. Vzhledem k t\u011bmto o\u010dek\u00e1v\u00e1n\u00edm vzrostly ceny byt\u016f o 86% mimo Prahu a o 76% v Praze. V r\u00e1mci druh\u00e9 vlny v letech 2006-2008 vzrostly ceny byt\u016f v cel\u00e9 \u010cR o 64% a o 56% v Praze. <\/strong>Za t\u00edmto zv\u00fd\u0161en\u00edm stoj\u00ed zejm\u00e9na \u00fav\u011brov\u00e9 expanze, kter\u00e1 byla vyvol\u00e1na zp\u0159\u00edstupn\u011bn\u00edm \u00fav\u011brov\u00e9ho financov\u00e1n\u00ed, dobrou situac\u00ed na trhu pr\u00e1ce a r\u016fstem mezd. <\/p>\n\n\n\n

V obou p\u0159\u00edpadech pot\u00e9 n\u00e1sledovala cenov\u00e1 korekce o 14% mimo Prahu a o 7% v Praze; po druh\u00e9 pak o 17%  mimo Prahu a o 13% v Praze. P\u0159\u00ed\u0161t\u00ed rok (2020) tak m\u016f\u017ee b\u00fdt t\u00edm zlomov\u00fdm, kdy ceny byt\u016f op\u011bt za\u010dnou klesat anebo alespo\u0148 stagnovat. <\/strong><\/p>\n\n\n\n

Sn\u00ed\u017een\u00ed cen bude z\u00e1le\u017eet na tom, jak moc se zv\u00fd\u0161\u00ed nab\u00eddka nov\u00fdch byt\u016f, jak\u00e1 bude popt\u00e1vka po vlastn\u00edm bydlen\u00ed vlivem regulace hypot\u00e9k a jak moc se zpomal\u00ed ekonomika\u2026 <\/em><\/p><\/blockquote>\n\n\n\n

Faktory, kter\u00e9 ovliv\u0148uj\u00ed ceny v letech 2014-2018<\/strong><\/p>\n\n\n\n

  • R\u016fst HDP mezi 2,5 a\u017e 5,3 % (pr\u016fm\u011br 3,6 %)<\/li>
  • Prudk\u00fd pokles nezam\u011bstnanosti ze 6 % v r. 2014\na\u017e na st\u00e1vaj\u00edc\u00edch 1,9 %<\/li>
  • N\u00edzk\u00e1 pr\u016fm\u011brn\u00e1 inflace 1,2 %<\/li>
  • St\u00e1le vysok\u00e9 r\u016fsty pr\u016fm\u011brn\u00fdch mezd, vloni 8 %,\nletos 7 %<\/li>
  • Vy\u0161\u0161\u00ed dom\u00e1c\u00ed popt\u00e1vka mezi 1,5 a\u017e 5,1 %<\/li>
  • Vysok\u00e1 d\u016fv\u011bra spot\u0159ebitel\u016f<\/li>
  • Vysok\u00e9 n\u00e1r\u016fsty hypote\u010dn\u00edch \u00fav\u011br\u016f v pr\u016fm\u011bru o 9 %\nro\u010dn\u011b, n\u00edzk\u00e9 \u00farokov\u00e9 sazby, v r. 2016 pod 2 % p.a., nyn\u00ed 2,68 % p.a.<\/li>
  • N\u00edzk\u00e1 nab\u00eddka dokon\u010den\u00fdch byt\u016f a Airbnb \u017eenou\nceny nahoru<\/li>
  • \u010cNB ost\u0159e zasahuje do hypote\u010dn\u00edho trhu a\nzhor\u0161uje dostupnost \u00fav\u011br\u016f<\/li><\/ul>\n\n\n\n
    \n\n\n\n
    \"\"
    V\u00fdvoj nab\u00eddkov\u00fdch cen byt\u016f, Zdroj: anal\u00fdza \u010cesk\u00e9 bankovn\u00ed asociace<\/figcaption><\/figure>\n\n\n\n
    \n\n\n\n

    V\u00fdhled \u010cesk\u00e9 bankovn\u00ed asociace – rok 2020 Ekonomika<\/h3>\n\n\n\n
    • Zpomalen\u00ed r\u016fstu HDP v N\u011bmecku<\/li>
    • Brexit a obchodn\u00ed v\u00e1lka mezi USA a \u010c\u00ednou<\/li>
    • Zpomalen\u00ed r\u016fstu dom\u00e1c\u00ed popt\u00e1vky<\/li>
    • Dal\u0161\u00ed zpomalen\u00ed HDP<\/li>
    • Vy\u010derpal se prostor pro sni\u017eov\u00e1n\u00ed\nnezam\u011bstnanosti<\/li>
    • HDP na obyvatele 89 % pr\u016fm\u011bru EU bude stagnovat<\/li>
    • Pokles trhu hypote\u010dn\u00edch \u00fav\u011br\u016f o 20 %<\/li>
    • Hor\u0161\u00ed dostupnost hypote\u010dn\u00edch \u00fav\u011br\u016f, regulace,\nceny vs. mzdy<\/li>
    • Hor\u0161\u00ed situace na stran\u011b kupuj\u00edc\u00edch<\/li><\/ul>\n\n\n\n

      V\u00fdhled \u010cesk\u00e9 bankovn\u00ed asociace – rok 2020 ceny nemovitost\u00ed<\/h3>\n\n\n\n
      • Po\u010det nab\u00edzen\u00fdch i dokon\u010den\u00fdch byt\u016f bude vy\u0161\u0161\u00ed \u2013\nnovela stavebn\u00edho z\u00e1kona, p\u0159edz\u00e1soben\u00ed developer\u016f, hotov\u00e9 projekty<\/li>
      • Dojde k regulaci Airbnb<\/li>
      • Trh hypote\u010dn\u00edch \u00fav\u011br\u016f v\u010detn\u011b stavebn\u00edho spo\u0159en\u00ed\nse bude stabilizovat na ni\u017e\u0161\u00edch, ale p\u0159esto st\u00e1le vysok\u00fdch objemech<\/li>
      • Po 3. vln\u011b r\u016fstu cen nemovitost\u00ed dojde ke\nkorekci sm\u011brem dol\u016f i bez vn\u011bj\u0161\u00edch ot\u0159es\u016f<\/li>
      • \u010cNB vid\u00ed ceny reziden\u010dn\u00edch nemovitost\u00ed jako\nnadhodnocen\u00e9 o 15 %<\/li>
      • P\u0159i negativn\u00edch vn\u011bj\u0161\u00edch vlivech m\u016f\u017ee b\u00fdt propad\ncen nemovitost\u00ed v\u00fdrazn\u00fd<\/li><\/ul>\n\n\n\n

        Jak\u00e9 pr\u00e1vn\u00ed novinky plat\u00ed hned od Nov\u00e9ho roku?<\/h2>\n\n\n\n

        Spr\u00e1vn\u00ed poplatek katastru za vklad se zvy\u0161uje z 1000,-\nna 2000,-<\/h3>\n\n\n\n

        Regulace Airbnb<\/h3>\n\n\n\n
        • Od ledna z\u00edsk\u00e1vaj\u00ed m\u011bsta a obce mo\u017enost vyhl\u00e1\u0161kou zav\u00e9st tzv. poplatek z pobytu,<\/strong> kter\u00fd nahrad\u00ed st\u00e1vaj\u00edc\u00ed poplatky za l\u00e1ze\u0148sk\u00fd nebo rekrea\u010dn\u00ed pobyt, a z ubytovac\u00ed kapacity. Tomu bude bude podl\u00e9hat jak\u00fdkoliv kr\u00e1tkodob\u00fd pobyt za \u00faplatu. Okruh za\u0159\u00edzen\u00ed, kter\u00e1 budou v\u00fdb\u011bru m\u00edstn\u00edho poplatku podl\u00e9hat, se tak roz\u0161\u00ed\u0159\u00ed i na byty a domy vyu\u017e\u00edvan\u00e9 ke kr\u00e1tkodob\u00fdm pron\u00e1jm\u016fm. Z\u00e1kon zav\u00e1d\u00ed i dal\u0161\u00ed eviden\u010dn\u00ed povinnosti pro pl\u00e1tce poplatku \u2013 poskytovale ubytov\u00e1n\u00ed a m\u011bn\u00ed nastaven\u00ed poplatku za psa a ze vstupn\u00e9ho.<\/li><\/ul>\n\n\n\n

          P\u0159\u00edsn\u011bj\u0161\u00ed pravidla pro makl\u00e9\u0159e<\/h3>\n\n\n\n
          • Na zm\u011bny se p\u0159\u00ed\u0161t\u00ed rok budou muset p\u0159ipravit i realitn\u00ed makl\u00e9\u0159i. Pro ty z\u00e1kon nov\u011b stanovuje po\u017eadavky na vzd\u011bl\u00e1n\u00ed i povinn\u00e9 poji\u0161t\u011bn\u00ed.  Realitky budou m\u00edt i nad\u00e1le mo\u017enost poskytovat \u00faschovu pen\u011bz, ale jenom na z\u00e1klad\u011b p\u00edsemn\u00e9 \u017e\u00e1dosti klienta a na zvl\u00e1\u0161tn\u00edm \u00fa\u010dtu. Provizi pak nebude makl\u00e9\u0159 moci inkasovat od prod\u00e1vaj\u00edc\u00edho i kupuj\u00edc\u00edho, ale jen od jednoho z nich.<\/strong><\/li><\/ul>\n\n\n\n

            Zam\u011bstnanci<\/h3>\n\n\n\n
            • Prvn\u00ed z\u00e1sadn\u00ed zm\u011bnou je nav\u00fd\u0161en\u00ed minim\u00e1ln\u00ed mzdy a to o 1250,- na 14.600,-.<\/strong> Nejni\u017e\u0161\u00ed hodinov\u00e1 mzda bude podle MPSV stanovena na 87,3K\u010d. Od za\u010d\u00e1tku roku se tak\u00e9 zav\u00e1d\u00ed nov\u00fd syst\u00e9m elektronick\u00fdch neschopenek, kter\u00e9 nahrad\u00ed ty pap\u00edrov\u00e9<\/strong> (zam\u011bstnavateli tak nahl\u00e1s\u00edte pracovn\u00ed neschopnost-telefonicky nebo emailem a doklad si v\u00e1\u0161 zam\u011bstnavatel st\u00e1hne p\u0159es ePort\u00e1l \u010cSSZ).<\/li><\/ul>\n\n\n\n
              <\/div>\n\n\n\n

              Jak\u00fd je v\u00e1\u0161 n\u00e1zor na ceny nemovitost\u00ed a regulace, kter\u00e9 ovliv\u0148uj\u00ed poskytov\u00e1n\u00ed hypot\u00e9k? V\u00e1\u0161 n\u00e1zor m\u016f\u017eete napsat pod \u010dl\u00e1nkem do koment\u00e1\u0159e.<\/strong> <\/p>\n\n\n\n

              <\/div>\n\n\n\n

              Zdroj: t\u00fdden\u00edk Ekonom, studie a informace ze str\u00e1nek \u010cesk\u00e9 bankovn\u00ed asociace.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

              Jak to bude s cenami nemovitost\u00ed v roce 2020? Do\u010dk\u00e1me se sn\u00ed\u017een\u00ed cen? Jak\u00e9 dal\u0161\u00ed zm\u011bny n\u00e1s v nov\u00e9m roce \u010dekaj\u00ed?<\/p>\n","protected":false},"author":1,"featured_media":2549,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"image","meta":{"ub_ctt_via":"","footnotes":""},"categories":[97],"tags":[],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/12\/zm\u011bny-v-roce-2020.jpg","author_info":{"display_name":"mskarydkova","author_link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/author\/mskarydkova\/"},"_links":{"self":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/2534"}],"collection":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/comments?post=2534"}],"version-history":[{"count":0,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/2534\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/2549"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=2534"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=2534"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=2534"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}