{"id":4313,"date":"2020-02-01T10:33:19","date_gmt":"2020-02-01T09:33:19","guid":{"rendered":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/?p=4313"},"modified":"2020-02-05T18:54:01","modified_gmt":"2020-02-05T17:54:01","slug":"realitni-bublina-v-cesku-se-nafukuje","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/realitni-bublina-v-cesku-se-nafukuje\/","title":{"rendered":"Realitn\u00ed bublina v \u010cesku se nafukuje"},"content":{"rendered":"\n

Dostal se mi do ruky dal\u0161\u00ed v\u00fdtisk t\u00fdden\u00edku Ekonom a prvn\u00ed co upoutalo moji pozornost byl tento titulek. \u0158\u00edk\u00e1m si \u201eno fajn, tak s \u010d\u00edm nov\u00fdm p\u00e1nov\u00e9 p\u0159ijdou\u201c \ud83d\ude0a T\u00e9ma je hodn\u011b detailn\u011b zpracovan\u00e9 a j\u00e1 jsem se rozhodla, \u017ee zpracuji v\u00fdtah toho nejzaj\u00edmav\u011bj\u0161\u00edho, co \u010dl\u00e1nek obsahuje.<\/p>\n\n\n\n

\n\n\n\n\n

Aktu\u00e1ln\u00ed situace na \u010desk\u00e9m trhu <\/h3>\n\n\n\n

Dle statistik by letos m\u011blo t\u00e9m\u011b\u0159 300tis mlad\u00fdch lid\u00ed osamostatnit a mo\u017en\u00e1 i poprv\u00e9 po\u017e\u00e1dat banky o hypot\u00e9ku na sv\u016fj prvn\u00ed byt.<\/strong> Pokud nebudou m\u00edt silnou podporu v rodin\u011b a nebudou m\u00edt dostate\u010dn\u00e9 \u00faspory na akontaci kupn\u00ed ceny<\/strong>, pak velmi pravd\u011bpodobn\u011b na hypot\u00e9ku nedos\u00e1hnou (pro Prahu pot\u0159ebujete m\u00edt aspo\u0148 800tis a\u017e 1mil <\/strong>v \u00faspor\u00e1ch, pokud budete cht\u00edt koupit byt za pr\u016fm\u011brnou cenu kolem 5,5mil + je\u0161t\u011b aby v\u00e1m zbylo na da\u0148 z nabyt\u00ed (4 %)<\/strong>. Pro start nic moc. Mlad\u00fdm tak nezbude nic jin\u00e9ho ne\u017e j\u00edt do n\u00e1jmu (paradoxn\u011b n\u00e1jemn\u00e9 je dra\u017e\u0161\u00ed ne\u017e samotn\u00e1 spl\u00e1tka hypot\u00e9ky) a \u0161et\u0159it.<\/p>\n<\/div><\/div>\n\n\n\n

Ceny nemovitost\u00ed jsou jednou z p\u0159\u00ed\u010din nedostupnosti vlastn\u00edho bydlen\u00ed. <\/strong>V Praze ceny byt\u016f vysko\u010dily za posledn\u00edch 5let o t\u00e9m\u011b\u0159 polovinu a novostavby podra\u017eily od roku 2015 skoro o 90 %. Pom\u011b\u0159\u00ed-li se ceny byt\u016f k v\u00fd\u0161i p\u0159\u00edjm\u016f, jsou na tom lid\u00e9 v Olomouci nebo Brn\u011b dokonce je\u0161t\u011b h\u016f\u0159e. Zdra\u017eov\u00e1n\u00ed v\u0161ak nen\u00ed jen probl\u00e9m \u010cR, ale cel\u00e9 Evropy.<\/p>\n\n\n\n

M\u00edrnou \u00fat\u011bchou mohou b\u00fdt odhady analytik\u016f, podle nich\u017e by m\u011bl letos r\u016fst ceny nemovitost\u00ed zpomalit. <\/p><\/blockquote>\n\n\n\n

D\u016fvody zpomalen\u00ed r\u016fstu cen jsem psala v tomto \u010dl\u00e1nku<\/a>.<\/p>\n\n\n\n

D\u00edky byrokracii, kter\u00e1 zpomaluje v\u00fdstavbu nov\u00fdch byt\u016f, chyb\u00ed v Praze v\u00edce jak 8tis byt\u016f, co\u017e m\u00e1 samoz\u0159ejm\u011b i vliv na jejich cenu (\u010d\u00edm v\u011bt\u0161\u00ed popt\u00e1vka oproti nab\u00eddce znamen\u00e1 vy\u0161\u0161\u00ed cenu). Jen pro p\u0159edstavu, na konci roku 2019 bylo v Praze k dispozici pouh\u00fdch 3411 byt\u016f! Oproti prosinci 2018 byla lo\u0148sk\u00e1 nab\u00eddka o \u010dtvrtinu ni\u017e\u0161\u00ed.<\/strong><\/p>\n\n\n\n

A abych nek\u0159ivdila jen developer\u016fm, tak se pod\u00edvejme i na opa\u010dnou stranu \u2013 na kupuj\u00edc\u00ed. P\u0159esn\u011bji na realitn\u00ed investory.<\/strong> Ti toti\u017e skupuj\u00ed podstatnou \u010d\u00e1st nov\u011b postaven\u00fdch nemovitost\u00ed na spekulaci. Z\u00e1jem z \u0159ad investor\u016f je p\u0159edev\u0161\u00edm po bytech 1+kk a 2+kk v atraktivn\u011bj\u0161\u00edch lokalit\u00e1ch. V Praze je to tak zhruba ka\u017ed\u00fd t\u0159et\u00ed byt. Podle anal\u00fdzy Institutu pl\u00e1nov\u00e1n\u00ed a rozvoje hlavn\u00edho m\u011bsta Prahy bylo nap\u0159\u00edklad mezi lety 2016-2018 cizinci realizov\u00e1no pouze 10 % transakc\u00ed.<\/p>\n\n\n\n

Jak roste nedostupnost vlastn\u00edho bydlen\u00ed v Praze, st\u011bhuj\u00ed se mlad\u00ed do okoln\u00edch vesnic (satelit\u016f) kolem Prahy. <\/strong>Mnoh\u00e9 st\u0159edo\u010desk\u00e9 obce tak jsou doslova zaplaveny nov\u00fdmi p\u0159\u00edchoz\u00edmi. T\u0159eba Nupaky, le\u017e\u00edc\u00ed 18 km od centra Prahy, m\u011bly je\u0161t\u011b v roce 2001 pouh\u00fdch 96 obyvatel a po\u010d\u00e1tkem leto\u0161n\u00edho roku jich bylo v obci evidov\u00e1no ji\u017e 1778. Podobn\u011b je na tom i Jesenice, do n\u011bho\u017e se za stejnou dobu p\u0159ist\u011bhovalo kolem 7tis nov\u00fdch obyvatel.<\/p>\n\n\n\n

Nafukov\u00e1n\u00ed realitn\u00ed bubliny m\u00e1 v pl\u00e1nu zkrotit st\u00e1tn\u00ed\nregulace<\/h3>\n\n\n\n

Jak? Zm\u011bna byrokracie s vyd\u00e1v\u00e1n\u00edm stavebn\u00edho povolen\u00ed je b\u011bh na dlouhou tra\u0165 a v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b se nebude jednat o rychlou akci st\u00e1tu. <\/strong>Jednodu\u0161\u0161\u00ed je podle vl\u00e1dy regulace spekulativn\u00edch n\u00e1kup\u016f. Po\u010d\u00edt\u00e1 se zv\u00fd\u0161en\u00edm dan\u011b z nemovitosti<\/strong> (zat\u00edm se o tom \u201ejen\u201c jedn\u00e1). T\u00edmto krokem si st\u00e1t slibuje, \u017ee donut\u00ed majitele byt\u016f, kter\u00e9 jsou dlouhodob\u011b pr\u00e1zdn\u00e9 (v Praze m\u00e1 j\u00edt o \u010d\u00edslo v\u00edce jak 40tis nevyu\u017e\u00edvan\u00fdch byt\u016f), aby je bu\u010f prodali anebo pronajali. Dal\u0161\u00edm krokem k regulaci spekulativn\u00edch n\u00e1kup\u016f je omezen\u00ed \u010cNB \u2013 ta u\u017e nahlas p\u0159em\u00fd\u0161l\u00ed o z\u00e1m\u011bru ovlivnit podm\u00ednky poskytnut\u00ed hypot\u00e9ky na n\u00e1kup 2. a dal\u0161\u00ed nemovitosti<\/strong>, a to sn\u00ed\u017een\u00edm maxim\u00e1ln\u00edho LTV na 60 % nebo zkr\u00e1cen\u00edm doby splatnosti z 30 na 15-25let. Smyslem toho je, aby v\u00fdnosov\u00e1 \u010d\u00edsla investora byla t\u00e9m\u011b\u0159 nulov\u00e1 nebo minim\u00e1ln\u00ed a d\u00edky tomu, aby byl od n\u00e1kupu odrazen.<\/p>\n\n\n\n

Doporu\u010den\u00ed \u010cNB, kter\u00e9 se m\u016f\u017ee zm\u011bnit v na\u0159\u00edzen\u00ed<\/h3>\n\n\n\n

Vl\u00e1da schv\u00e1lila novelu z\u00e1kona o \u010cNB, kter\u00e1 m\u00e1 umo\u017enit stanovit povinn\u011b podm\u00ednky hypot\u00e9k, kter\u00e9 te\u010f m\u016f\u017ee d\u00e1vat jen jako doporu\u010den\u00ed.<\/strong> Aktu\u00e1ln\u011b to vypad\u00e1 tak, \u017ee novela projde i parlamentem. Podle Ji\u0159\u00edho Rusnoka, pokud bude novela p\u0159ijata, se nic z hlediska hypot\u00e9k nezm\u011bn\u00ed (v tomto jsem skeptik a nemysl\u00edm si, \u017ee sv\u00fdch pravomoc\u00ed \u010cNB nevyu\u017eije). <\/p>\n\n\n\n

Nicm\u00e9n\u011b aspo\u0148 jedna dobr\u00e1 zpr\u00e1va na z\u00e1v\u011br: v novela z\u00e1kona po\u010d\u00edt\u00e1 s lep\u0161\u00edmi podm\u00ednkami hypot\u00e9k pro mlad\u00e9, kdy bude mo\u017en\u00e9 mlad\u00fdm poskytnout m\u00edrn\u011bj\u0161\u00ed podm\u00ednky hypot\u00e9ky (spekuluje se, \u017ee by mlad\u00ed do 36let mohli dos\u00e1hnout a\u017e na 100% kupn\u00ed ceny, ale jak\u00e1 bude realita, to teprve uvid\u00edme).<\/strong><\/p>\n\n\n\n

Jak\u00fd m\u00e1te n\u00e1zor na sou\u010dasn\u00fd stav na poli realit a hypot\u00e9k? <\/h4>\n","protected":false},"excerpt":{"rendered":"

Dostal se mi do ruky dal\u0161\u00ed v\u00fdtisk t\u00fdden\u00edku Ekonom a prvn\u00ed co upoutalo moji pozornost byl tento titulek. \u0158\u00edk\u00e1m si \u201eno fajn, tak s \u010d\u00edm nov\u00fdm p\u00e1nov\u00e9 p\u0159ijdou\u201c \ud83d\ude0a T\u00e9ma je hodn\u011b detailn\u011b zpracovan\u00e9 a j\u00e1 jsem se rozhodla, \u017ee zpracuji v\u00fdtah toho nejzaj\u00edmav\u011bj\u0161\u00edho, co \u010dl\u00e1nek obsahuje.<\/p>\n","protected":false},"author":1,"featured_media":4327,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ub_ctt_via":"","footnotes":""},"categories":[97,63],"tags":[64,98],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2020\/01\/1.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\/4313"}],"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=4313"}],"version-history":[{"count":0,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/4313\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/4327"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=4313"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=4313"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=4313"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}