I p\u0159esto, \u017ee \u010cesk\u00e1 n\u00e1rodn\u00ed banka uvolnila pravidla pro hypote\u010dn\u00ed \u00fav\u011bry (kontr\u00e9tn\u011b zv\u00fd\u0161en\u00ed limitu DSTI z 45% na 50%, DTI zcela zru\u0161ila, LTV zvedla z 80% na 90%), banky p\u0159i posuzov\u00e1n\u00ed \u017e\u00e1dost\u00ed o \u00fav\u011br sp\u00ed\u0161e p\u0159itvrdily.<\/p>\n\n\n\n
V\u011bt\u0161ina uveden\u00fdch opat\u0159en\u00ed bank maj\u00ed do\u010dasn\u00fd charakter a byly zavedeny pr\u016fb\u011b\u017en\u011b v obdob\u00ed od b\u0159ezna 2020 ke dni, kdy p\u00ed\u0161u tento \u010dl\u00e1nek (27.4.2020)<\/p>\n\n\n\n\n\n\n\n
Pro p\u0159\u00edjem z DP u (v\u011bt\u0161iny) bank plat\u00ed:<\/p>\n\n\n\n
V obdob\u00ed od 1. 1. 2020 do 30. 6. 2020 je bankami akceptov\u00e1no da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed z p\u0159edminul\u00e9ho roku (tj. 2018) nebo ji\u017e na z\u00e1klad\u011b \u00fadaj\u016f za posledn\u00ed zda\u0148ovac\u00ed obdob\u00ed (tj. DP 2019), v\u010detn\u011b dokladu o zaplacen\u00ed dan\u011b z p\u0159\u00edjmu. Od 1. 7. do konce roku mus\u00ed b\u00fdt ji\u017e p\u0159edkl\u00e1d\u00e1no DP za minul\u00fd rok (tj. DP 2019). <\/p>\n\n\n\n
Zru\u0161ila pravidla LTV maxim\u00e1ln\u011b 60% p\u0159i po\u0159izov\u00e1n\u00ed nemovitosti za \u00fa\u010delem pron\u00e1jmu a to v p\u0159\u00edpad\u011b, kdy v \u017e\u00e1dosti uvedete, \u017ee nemovitost po\u0159izujete za \u00fa\u010delem pron\u00e1jmu, nebo \u017ee se jedn\u00e1 o va\u0161i 3. a dal\u0161\u00ed hypot\u00e9ku u jak\u00e9koli banky. NOV\u011a tedy lze v\u0161echny \u00fav\u011bry na po\u0159\u00edzen\u00ed nemovitosti poskytnout a\u017e do v\u00fd\u0161e 80% LTV bez ohledu na to, kolik hypote\u010dn\u00edch \u00fav\u011br\u016f\/nemovitost\u00ed m\u00e1te.<\/p>\n\n\n\n
Banka aktu\u00e1ln\u011b, a\u017e do odvol\u00e1n\u00ed, neposkytuje LTV 80%<.<\/p>\n\n\n\n
Banka sni\u017euje maxim\u00e1ln\u00ed v\u00fd\u0161i DSTI na 40 %.<\/p>\n\n\n\n
Z d\u016fvodu v\u00fdvoje situace ohledn\u011b pandemie zp\u016fsoben\u00e9 virem COVID-19 a jej\u00edch mo\u017en\u00fdch dopad\u016f do rizikovosti n\u011bkter\u00fdch klient\u016f do\u0161lo k p\u0159epo\u010dten\u00ed p\u0159edschv\u00e1len\u00fdch limit\u016f. <\/p>\n\n\n\n
Banka\ndoporu\u010duje schvalovatel\u016fm, aby posuzovali v\u0161echny p\u0159\u00edjmy \u017eadatel\u016f s vysokou\nm\u00edrou obez\u0159etnosti, a to zejm\u00e9na s d\u016frazem na vyhodnocen\u00ed stability a trvalosti\np\u0159\u00edjm\u016f a tak\u00e9 s p\u0159ihl\u00e9dnut\u00edm na charakter vykon\u00e1van\u00e9 profese \u017eadatel\u016f. <\/p>\n\n\n\n
Nedoporu\u010duje tak tedy schvalovat takov\u00e9 \u00fav\u011bry, kter\u00e9 jsou v\u011bt\u0161inov\u011b nebo zcela z\u00e1visl\u00e9 na p\u0159\u00edjmu z jednoho z n\u00ed\u017ee uveden\u00fdch obor\u016f (v\u00edce jak 50 % p\u0159\u00edjm\u016f na \u00fav\u011bru plyne z tohoto odv\u011btv\u00ed).<\/p>\n\n\n\n
– Cestovn\u00ed ruch (v\u010detn\u011b ubytovac\u00edch\nslu\u017eeb \u2013 airbnb, booking apod.)<\/p>\n\n\n\n
– Kulturn\u00ed a z\u00e1bavn\u00ed \u010dinnosti<\/p>\n\n\n\n
– Leteck\u00e1 osobn\u00ed doprava<\/p>\n\n\n\n
– Stravov\u00e1n\u00ed a pohostinstv\u00ed<\/p>\n\n\n\n
– Ostatn\u00ed dle aktu\u00e1ln\u00edch dostupn\u00fdch negativn\u00edch informac\u00ed<\/p>\n\n\n\n
V sou\u010dasn\u00e9 dob\u011b banka neakceptuje do bonity n\u00e1hrady mzdy z titulu p\u0159ek\u00e1\u017eek na stran\u011b zam\u011bstnavatele. <\/p>\n\n\n\n
Banka aktu\u00e1ln\u011b, a\u017e do odvol\u00e1n\u00ed, neposkytuje LTV 80%< <\/p>\n\n\n\n
Banka aktu\u00e1ln\u011b, a\u017e do odvol\u00e1n\u00ed, neposkytuje LTV 80%< <\/p>\n\n\n\n
Banka neakceptuje p\u0159\u00edjem ze zahrani\u010d\u00ed a to \u017e\u00e1dn\u00e9 m\u011bn\u011b. Banka d\u00e1le nep\u0159\u00edj\u00edm\u00e1 nov\u00e9 \u017e\u00e1dosti (stejn\u011b jako Sberbank).<\/p>\n\n\n\n
Pro \u017e\u00e1dosti zadan\u00e9 od 1.4.2020 nejsou akceptov\u00e1ny n\u00e1sleduj\u00edc\u00ed p\u0159\u00edjmy:
– P\u0159\u00edjmy na DP\u010c (s v\u00fdjimkou zdravotn\u00edk\u016f a v\u011bdeck\u00fdch pracovn\u00edk\u016f)
– P\u0159\u00edjmy z kr\u00e1tkodob\u00e9ho pron\u00e1jmu
– Podnik\u00e1n\u00ed, p\u0159\u00edjem ze zahrani\u010d\u00ed a pracovn\u00ed pom\u011br na dobu ur\u010ditou v sektorech: cestovn\u00ed ruch, hotelnictv\u00ed, kultura, restaurace, bary (pohostinstv\u00ed), slu\u017eby (osobn\u00ed), automobilov\u00fd pr\u016fmysl.
D\u00e1le banka neposkytuje \u00fav\u011bry:
– Klient\u016fm, kte\u0159\u00ed maj\u00ed aktivn\u00ed \u017e\u00e1dost o odklad spl\u00e1tek
– \u00dav\u011bry, kter\u00e9 jsou regulovan\u00e9 \u010cNB: LTV 80+ a p\u0159ekro\u010den\u00e9 parametry DTI\/DSTI <\/p>\n\n\n\n
Banka ru\u0161\u00ed poskytov\u00e1n\u00ed \u00fav\u011br\u016f zam\u011bstnanc\u016fm cestovn\u00edch agentur a kancel\u00e1\u0159\u00ed a ve\u0161ker\u00e9mu odv\u011btv\u00ed \u010dinnosti s CZ-NACE k\u00f3dem 79\u00d7xx. Poskytov\u00e1n\u00ed \u00fav\u011br\u016f zam\u011bstnanc\u016fm na p\u0159ek\u00e1\u017ek\u00e1ch je mo\u017en\u00e9 a\u017e po ukon\u010den\u00ed p\u0159ek\u00e1\u017eek na z\u00e1klad\u011b potvrzen\u00ed od zam\u011bstnavatele nebo v\u00fdpisu z \u00fa\u010dtu s p\u0159ipsanou plnou mzdou. <\/p>\n\n\n\n
Po individu\u00e1ln\u00edm posouzen\u00ed je mo\u017en\u00e9 z\u00edskat 90% hypot\u00e9ku.<\/p>\n\n\n\n
Na z\u00e1klad\u011b aktu\u00e1ln\u00edho rozhodnut\u00ed \u010cNB o uvoln\u011bn\u00ed n\u011bkter\u00fdch parametr\u016f a limit\u016f (LTV, DSTI, DTI) banka p\u0159i posuzov\u00e1n\u00ed nov\u00fdch hypot\u00e9k zohled\u0148uje tato nov\u011b upraven\u00e1 doporu\u010den\u00ed.<\/p>\n\n\n\n
T\u00fdk\u00e1 se to p\u0159edev\u0161\u00edm t\u011bchto zm\u011bn:<\/p>\n\n\n\n
V souladu s doporu\u010den\u00edm \u010cNB nicm\u00e9n\u011b banka bude p\u0159\u00edsn\u011bji posuzovat \u017e\u00e1dosti pro klienty s kombinac\u00ed vysok\u00e9ho LTV, DSTI a DTI. <\/p>\n\n\n\n
Banka velmi striktn\u011b omezila mo\u017enosti financov\u00e1n\u00ed nov\u00fdch klient\u016f (klient\u016f, kte\u0159\u00ed nemaj\u00ed u banky \u017e\u00e1dnou historii-\u00fa\u010det apd.). Nov\u00fdm klient\u016fm je mo\u017en\u00e9 poskytnout pouze \u00fav\u011br do v\u00fd\u0161e 60% LTV; parametry \u00fav\u011bru mus\u00ed splnit DSTI 40%, DTI 8; d\u00e1le banka neakceptuje p\u0159\u00edjem ze zahrani\u010d\u00ed, p\u0159\u00edjmy z hlavn\u00edho pracovn\u00edho pom\u011bru krat\u0161\u00ed ne\u017e 6m\u011bs\u00edc\u016f a u podnikatel\u016f vy\u017eduje banka p\u0159edlo\u017eit DP za rok 2019 bez ohledu na z\u00e1konn\u00e9 prodlou\u017een\u00ed lh\u016fty pro pod\u00e1n\u00ed.
<\/p>\n\n\n\n
Banka ru\u0161\u00ed mo\u017enost uplatnit budouc\u00ed p\u0159\u00edjem z pron\u00e1jmu; podnikatel\u016fm (p\u0159\u00edjem z podnik\u00e1n\u00ed) banka uplat\u0148uje p\u0159ir\u00e1\u017eku 0,5% na \u00farokov\u00e9 sazb\u011b.
<\/p>\n\n\n\n
od 17.4.2020 zcela pozastavila p\u0159\u00edjem nov\u00fdch \u017e\u00e1dost\u00ed o hypot\u00e9ku (\u00fa\u010delovou i ne\u00fa\u010delovou). Od\u016fvodn\u011bn\u00ed banky je, \u017ee st\u00e1le zpracov\u00e1v\u00e1 velk\u00e9 mno\u017estv\u00ed \u00fav\u011br\u016f zprost\u0159edkovan\u00fdch z p\u0159ede\u0161l\u00e9ho obdob\u00ed s n\u00edzk\u00fdmi sazbami. Rovn\u011b\u017e banka o\u010dek\u00e1v\u00e1 tis\u00edce nov\u00fdch \u017e\u00e1dost\u00ed o odklad \u0159\u00e1dn\u00fdch spl\u00e1tek \u00fav\u011br\u016f.<\/p>\n\n\n\n
<\/p>\n\n\n\n
TIP:<\/p>
Podm\u00ednky bank se neust\u00e1le m\u011bn\u00ed a nen\u00ed den, kdy by z banky nep\u0159i\u0161la n\u011bjak\u00e1 novinka. Pokud pot\u0159ebujete v\u011bd\u011bt, jak\u00e9 \u0161ance na \u00fasp\u011b\u0161n\u00e9 schv\u00e1len\u00ed hypot\u00e9ky m\u00e1te, sta\u010d\u00ed se mi ozvat a spole\u010dn\u011b najdeme vhodn\u00e9 \u0159e\u0161en\u00ed.<\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"
Jak\u00e1 pravidla maj\u00ed nov\u011b jednotliv\u00e9 banky? I p\u0159esto, \u017ee \u010cesk\u00e1 n\u00e1rodn\u00ed banka uvolnila pravidla pro hypote\u010dn\u00ed \u00fav\u011bry (kontr\u00e9tn\u011b zv\u00fd\u0161en\u00ed limitu DSTI z 45% na 50%, DTI zcela zru\u0161ila, LTV zvedla z 80% na 90%), banky p\u0159i posuzov\u00e1n\u00ed \u017e\u00e1dost\u00ed o \u00fav\u011br sp\u00ed\u0161e p\u0159itvrdily. V\u011bt\u0161ina uveden\u00fdch opat\u0159en\u00ed bank maj\u00ed do\u010dasn\u00fd charakter a byly zavedeny pr\u016fb\u011b\u017en\u011b v obdob\u00ed […]<\/p>\n","protected":false},"author":1,"featured_media":7317,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ub_ctt_via":"","footnotes":""},"categories":[63],"tags":[101,64,102],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2020\/04\/Zm\u011bny-v-hypot\u00e9k\u00e1ch.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\/7307"}],"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=7307"}],"version-history":[{"count":1,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/7307\/revisions"}],"predecessor-version":[{"id":7408,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/7307\/revisions\/7408"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/7317"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=7307"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=7307"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=7307"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}