{"id":7641,"date":"2021-11-30T09:46:14","date_gmt":"2021-11-30T08:46:14","guid":{"rendered":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/?p=7641"},"modified":"2021-11-30T10:13:57","modified_gmt":"2021-11-30T09:13:57","slug":"proticyklicka-kapitalova-rezerva-jaky-bude-jeji-vliv-na-hypoteky","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/proticyklicka-kapitalova-rezerva-jaky-bude-jeji-vliv-na-hypoteky\/","title":{"rendered":"Proticyklick\u00e1 kapit\u00e1lov\u00e1 rezerva, jak\u00fd bude jej\u00ed vliv na hypot\u00e9ky?"},"content":{"rendered":"\n

Ve\u0161ker\u00e1 pozornost ve\u0159ejnosti na v\u00fdsledek jedn\u00e1n\u00ed a p\u0159\u00edpadn\u00fdch vydan\u00fdch opat\u0159en\u00ed \u010cNB jsou sm\u011b\u0159ov\u00e1na p\u0159edev\u0161\u00edm k rozhodnut\u00ed, kter\u00e1 se t\u00fdkaj\u00ed oblasti m\u011bnov\u00e9 politiky- \u00farokov\u00e9 sazby. Co v\u0161ak z\u016fst\u00e1v\u00e1 v pozad\u00ed jsou opat\u0159en\u00ed, kter\u00e1 \u010cNB vyd\u00e1v\u00e1 v oblasti p\u00e9\u010de o finan\u010dn\u00ed stabilitu- tzv. makroobez\u0159etnostn\u00ed politika. <\/strong>Jedn\u00edm takov\u00fdm n\u00e1strojem regulace je stanoven\u00ed v\u00fd\u0161e tzv. proticyklick\u00e9 kapit\u00e1lov\u00e9 rezervy.<\/p>\n\n\n\n\n\n\n\n

Co je proticyklick\u00e1 kapit\u00e1lov\u00e1 rezerva?<\/h2>\n\n\n\n

Jde o jeden z n\u00e1stroj\u016f \u010cNB jak zv\u00fd\u0161it odolnost finan\u010dn\u00edho syst\u00e9mu v\u016f\u010di rizik\u016fm spojen\u00fdm s chov\u00e1n\u00edm bankovn\u00edho sektoru v pr\u016fb\u011bhu finan\u010dn\u00edho cyklu, zejm\u00e9na s v\u00fdrazn\u00fdmi v\u00fdkyvy v \u00fav\u011brov\u00e9 dynamice, kter\u00e9 zesiluj\u00ed cyklick\u00e1 kol\u00eds\u00e1n\u00ed ekonomick\u00e9 aktivity. Zjednodu\u0161en\u011b se jedn\u00e1 o akumulaci bankovn\u00edho kapit\u00e1lu formou tvorby rezerv, kter\u00e9 zvy\u0161uj\u00ed odolnost bank v\u016f\u010di v\u00fdkyv\u016fm trhu.<\/p>\n\n\n\n

\u010cNB stanovuje sazbu t\u00e9to rezervy \u010dtvrtletn\u011b, p\u0159i\u010dem\u017e k prvn\u00edmu vyhl\u00e1\u0161en\u00ed do\u0161lo 1. 10. 2014.<\/strong><\/p>\n\n\n\n

aktu\u00e1ln\u011b uplat\u0148ovan\u00e1 sazba: 0,50 %<\/p>\n\n\n\n

sazba uplat\u0148ovan\u00e1 od 1. 7. 2022: 1,00 %<\/p>\n\n\n\n

sazba uplat\u0148ovan\u00e1 od 1. 10. 2022: 1,50 %<\/p>\n\n\n\n

sazba uplat\u0148ovan\u00e1 od 1. 1. 2023: 2,00 %<\/strong><\/p>\n\n\n\n

Zdroj: \u010cNB<\/em><\/p>\n\n\n\n

Jak\u00fd vliv m\u00e1 proticyklick\u00e1 kapit\u00e1lov\u00e1 rezerva na hypot\u00e9ky?<\/h2>\n\n\n\n

Podstatou proticyklick\u00e9 kapit\u00e1lov\u00e9 rezervy je, <\/strong>jak bylo zm\u00edn\u011bno, tvorba kapit\u00e1lov\u00fdch rezerv.<\/strong> Tedy banky si mus\u00ed \u201eukrojit\u201c ze sv\u00fdch zisk\u016f a tyto prost\u0159edky p\u0159ev\u00e9st do rezerv.<\/strong> I p\u0159es to, \u017ee banky budou m\u00edt povinnost zv\u00fd\u0161enou rezervu dr\u017eet s \u010dasov\u00fdm odstupem (od 1.1.2023), bude m\u00edt jej\u00ed zv\u00fd\u0161en\u00ed na \u00fav\u011brov\u00fd trh okam\u017eit\u00fd vliv, proto\u017ee se zm\u011bn\u00ed v\u00fdnosnost \u00fav\u011bru z pohledu pot\u0159ebn\u00e9ho kapit\u00e1lu. Proticyklick\u00e1 rezerva se toti\u017e neaplikuje pouze na nov\u00e9 \u00fav\u011bry, ale plat\u00ed na celkovou rizikovou expozici banky. Banky tak budou v\u011bd\u011bt, \u017ee i sou\u010dasn\u00fd \u00fav\u011br s del\u0161\u00ed splatnost\u00ed bude v budoucnu \u201epot\u0159ebovat\u201c vy\u0161\u0161\u00ed kapit\u00e1l, co\u017e budou muset zohlednit v cen\u011b \u00fav\u011bru. <\/strong><\/p>\n\n\n\n

Znamen\u00e1 to tedy, \u017ee banky, kter\u00e9 m\u011bly dosud uvoln\u011bn\u00e9 parametry posuzov\u00e1n\u00ed \u00fav\u011brov\u00fdch \u017e\u00e1dost\u00ed (vy\u0161\u0161\u00ed ne\u017e doporu\u010den\u00e9 DTI, DSTI i LTV) velmi pravd\u011bpodobn\u011b zvednou vyhla\u0161ovan\u00e9 \u00farokov\u00e9 sazby (uvoln\u011bn\u00fdmi parametry tak do sv\u00e9ho \u00fav\u011brov\u00e9ho portfolia p\u0159ijali v\u011bt\u0161\u00ed pom\u011br “rizikov\u00fdch” \u00fav\u011br\u016f). Vzhledem k tomu, \u017ee prvn\u00ed zv\u00fd\u0161en\u00ed proticyklick\u00e9 kapit\u00e1lov\u00e9 rezervy se m\u011bn\u00ed od 1.7.2022, lze tedy o\u010dek\u00e1vat zv\u00fd\u0161en\u00ed \u00farokov\u00fdch sazeb u n\u011bkter\u00fdch bank ji\u017e v n\u00e1sleduj\u00edc\u00edch m\u011bs\u00edc\u00edch.<\/p>\n\n\n\n

Banky s uvoln\u011bn\u00fdmi parametry pro hypot\u00e9ky:<\/strong><\/p>\n\n\n\n

\n
Banka<\/td>DTI<\/td>DSTI<\/td>LTV<\/td><\/tr>
Hypote\u010dn\u00ed banka<\/td>12<\/td>70<\/td>90<\/td><\/tr>
Komer\u010dn\u00ed banka<\/td>nezohled\u0148uje<\/td>50<\/td>90<\/td><\/tr>
Raiffeisenbank<\/td>11<\/td>50<\/td>90<\/td><\/tr>
Sberbank<\/td>11<\/td>50<\/td>90<\/td><\/tr>
Unicredit bank<\/td>neuplat\u0148uje; m\u00e1 vlastn\u00ed v\u00fdpo\u010det<\/td>—<\/td>90<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Ve\u0161ker\u00e1 pozornost ve\u0159ejnosti na v\u00fdsledek jedn\u00e1n\u00ed a p\u0159\u00edpadn\u00fdch vydan\u00fdch opat\u0159en\u00ed \u010cNB jsou sm\u011b\u0159ov\u00e1na p\u0159edev\u0161\u00edm k rozhodnut\u00ed, kter\u00e1 se t\u00fdkaj\u00ed oblasti m\u011bnov\u00e9 politiky- \u00farokov\u00e9 sazby. Co v\u0161ak z\u016fst\u00e1v\u00e1 v pozad\u00ed jsou opat\u0159en\u00ed, kter\u00e1 \u010cNB vyd\u00e1v\u00e1 v oblasti p\u00e9\u010de o finan\u010dn\u00ed stabilitu- tzv. makroobez\u0159etnostn\u00ed politika. Jedn\u00edm takov\u00fdm n\u00e1strojem regulace je stanoven\u00ed v\u00fd\u0161e tzv. proticyklick\u00e9 kapit\u00e1lov\u00e9 rezervy.<\/p>\n","protected":false},"author":1,"featured_media":7647,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ub_ctt_via":"","footnotes":""},"categories":[97,63],"tags":[64],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2021\/11\/Proticyklicka-kapitalova-rezerva-jaky-bude-jeji-vliv2.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\/7641"}],"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=7641"}],"version-history":[{"count":4,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/7641\/revisions"}],"predecessor-version":[{"id":7648,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/7641\/revisions\/7648"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/7647"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=7641"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=7641"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=7641"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}