{"id":7654,"date":"2021-12-14T10:16:11","date_gmt":"2021-12-14T09:16:11","guid":{"rendered":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/?p=7654"},"modified":"2021-12-14T16:04:44","modified_gmt":"2021-12-14T15:04:44","slug":"jak-ovlivni-cnb-hypoteky-od-1-4-2022","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/jak-ovlivni-cnb-hypoteky-od-1-4-2022\/","title":{"rendered":"Jak ovlivn\u00ed \u010cNB hypot\u00e9ky od 1. 4. 2022?"},"content":{"rendered":"\n<p>\u010cNB na sv\u00e9m posledn\u00edm zased\u00e1n\u00ed 25.11.2021 sice ponechala z\u00e1kladn\u00ed \u00farokov\u00e9 sazby beze zm\u011bny (a pl\u00e1nuje tak ponechat do konce tohoto roku), nicm\u00e9n\u011b ozn\u00e1mila budouc\u00ed zm\u011bny v&nbsp;podm\u00ednk\u00e1ch poskytov\u00e1n\u00ed hypot\u00e9k. <strong>Zm\u011bny v&nbsp;limitech \u00fav\u011brov\u00fdch ukazatel\u016f nov\u011b \u010cNB nedoporu\u010duje a d\u00edky schv\u00e1len\u00ed z\u00e1kona o \u010cNB v&nbsp;srpnu 2021 bank\u00e1m na\u0159izuje.<\/strong><\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00e9 zm\u011bny to konkr\u00e9tn\u011b jsou?<\/h2>\n\n\n\n<p><strong>Ukazatel DTI (celkov\u00fd dluh \u017eadatele vyj\u00e1d\u0159en\u00fd v n\u00e1sobc\u00edch jeho \u010dist\u00e9ho ro\u010dn\u00edho p\u0159\u00edjmu)<\/strong> bude od 1. 4. 2022 nov\u011b \u010dinit <strong>8,5 n\u00e1sobek pro \u017eadatele o \u00fav\u011br nad 36let<\/strong> (aktu\u00e1ln\u011b je tento ukazatel zru\u0161en, nicm\u00e9n\u011b banky jej, p\u0159i ov\u011b\u0159ov\u00e1n\u00ed \u017e\u00e1dosti o hypot\u00e9ku, sleduj\u00ed; je t\u0159eba zm\u00ednit, \u017ee n\u011bkter\u00e9 banky maj\u00ed ukazatel DTI intern\u011b zv\u00fd\u0161en klidn\u011b i na 12ti n\u00e1sobek a n\u011bkter\u00e9- men\u0161ina jej zcela zru\u0161ili). Pro \u017eadatele, kte\u0159\u00ed v&nbsp;dob\u011b \u017e\u00e1dosti o \u00fav\u011br budou <strong>mlad\u0161\u00ed 36ti let, pak plat\u00ed zv\u00fd\u0161en\u00fd limit ukazatele DTI na 9,5 n\u00e1sobek.<\/strong><\/p>\n\n\n\n<p><strong>Ukazatel DSTI (pom\u011br mezi celkovou v\u00fd\u0161\u00ed m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek dluhu \u017eadatele o \u00fav\u011br a jeho \u010dist\u00fdm m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmem)<\/strong> se vr\u00e1t\u00ed zp\u011bt na p\u016fvodn\u00ed hodnotu <strong>45% pro \u017eadatele nad 36let<\/strong> (nyn\u00ed je stejn\u011b jako DTI ofici\u00e1ln\u011b zru\u0161en, nicm\u00e9n\u011b banky intern\u011b tento ukazatel sleduj\u00ed; v\u00fd\u0161e DSTI je zpravidla kolem 50%). Pro \u017eadatele, kte\u0159\u00ed v&nbsp;dob\u011b \u017e\u00e1dosti o \u00fav\u011br budou <strong>mlad\u0161\u00ed 36ti let, pak plat\u00ed limit max. 50%.<\/strong><\/p>\n\n\n\n<p><strong>Ukazatel LTV<\/strong> (pom\u011br \u00fav\u011bru a hodnoty zastaven\u00e9 nemovitosti) rovn\u011b\u017e zaznamen\u00e1 zm\u011bnu. Aktu\u00e1ln\u011b plat\u00ed, \u017ee je mo\u017en\u00e9 z\u00edskat hypot\u00e9ky do 90% hodnoty z\u00e1stavy. Toto se od 1. 4. 2022 op\u011bt zm\u011bn\u00ed a pro \u017eadatele <strong>nad 36let bude horn\u00ed hranice LTV omezena na 80% <\/strong>a pro klienty <strong>do 36let pak na maxim\u00e1ln\u011b 90% LTV.<\/strong><\/p>\n\n\n\n<p>Beze zm\u011bny z\u016fst\u00e1v\u00e1 mo\u017enost bank poskytnout v\u00fdjimku klient\u016fm v&nbsp;t\u011bchto parametrech, nicm\u00e9n\u011b nesm\u00ed se p\u0159ekro\u010dit limit 5% z&nbsp;celkov\u00e9ho objemu poskytnut\u00fdch hypot\u00e9k dan\u00e9 banky za p\u0159edchoz\u00ed \u010dtvrtlet\u00ed. Z&nbsp;praxe v\u00edm, \u017ee tento limit je zpravidla v&nbsp;prvn\u00edch 14 dnech nov\u00e9ho \u010dtvrtlet\u00ed u v\u011bt\u0161\u00edch bank prakticky zcela vy\u010derp\u00e1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co znamenaj\u00ed tato opat\u0159en\u00ed v&nbsp;praxi?<\/h2>\n\n\n\n<p>\u0158ekn\u011bme, \u017ee m\u00e1te mo\u017enost koupit byt jeho\u017e kupn\u00ed cena je 6mil (z\u00e1stavn\u00ed hodnota vy\u0161la stejn\u011b). Spl\u00e1c\u00edte ji\u017e jeden \u00fav\u011br na auto, kde v\u00e1m zb\u00fdv\u00e1 doplatit 250tis a m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka je 5tis. Va\u0161e \u010dist\u00e9 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy jsou 60tis; o \u00fav\u011br \u017e\u00e1d\u00e1te s\u00e1m\/sama.<\/p>\n\n\n\n<p><strong><span style=\"text-decoration: underline;\">Kdy\u017e je v\u00e1m do 36let:<\/span><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>V\u00fd\u0161e \u00fav\u011bru max. 80% z hodnoty z\u00e1stavy<\/td><td><strong>4.800.000,-<\/strong><\/td><\/tr><tr><td>Maxim\u00e1ln\u00ed splatnost<\/td><td>30 let<\/td><\/tr><tr><td>Fixace \u00farokov\u00e9 sazby<\/td><td>5 let<\/td><\/tr><tr><td>Aktu\u00e1ln\u00ed \u00farokov\u00e1 sazba (bez poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet)<\/td><td>3,94% p.a.<\/td><\/tr><tr><td>M\u011bs\u00ed\u010dn\u00ed anuitn\u00ed spl\u00e1tka<\/td><td><strong>22.784,-<\/strong><\/td><\/tr><tr><td>B\u011b\u017en\u00e9 RPSN (odhad, z\u00e1stavn\u00ed smlouva, ov\u011b\u0159en\u00e9 podpisy&#8230; apd.)<\/td><td>4,02%<\/td><\/tr><tr><td>DTI (60.000,- x 12) x 9,5 = 6.840.000,- m\u00ednus aktu\u00e1ln\u00ed spl\u00e1cen\u00e1 jistina 250tis<\/td><td><strong>6.590.000,-<\/strong><\/td><\/tr><tr><td>DSTI (60.000,- x 0,5) &#8211; 5.000,- aktu\u00e1ln\u00ed spl\u00e1tky<\/td><td><strong>25.000,-<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Zde vid\u00edte, \u017ee ukazatele DTI i DSTI jsou spln\u011bny, \u00fav\u011br je tedy re\u00e1ln\u00e9 poskytnout. Dokonce by bylo mo\u017en\u00e9 zv\u00fd\u0161it \u00fav\u011br a\u017e na 5mil <\/strong>(LTV by ji\u017e bylo do 90%, \u00farokov\u00e1 sazba by se zv\u00fd\u0161ila na 4,34% a v\u00fdsledn\u00e1 spl\u00e1tka p\u0159i 30ti let\u00e9 splatnosti by byla 24.895,- m\u011bs\u00ed\u010dn\u011b). Nicm\u00e9n\u011b za pozornost stoj\u00ed, \u017ee i kdy\u017e m\u00e1te vy\u0161\u0161\u00ed p\u0159\u00edjem, tak na celkov\u00e9 spl\u00e1tkov\u00e9 v\u00fddaje v\u00e1m jde t\u00e9m\u011b\u0159 polovina p\u0159\u00edjm\u016f. <strong>Pokud o \u00fav\u011br \u017e\u00e1d\u00e1te s\u00e1m\/sama, pova\u017euji vysokou hodnotu DSTI za velk\u00e9 riziko v&nbsp;p\u0159\u00edpad\u011b ztr\u00e1ty zam\u011bstn\u00e1n\u00ed nebo jin\u00e9ho omezen\u00ed p\u0159\u00edjm\u016f.<\/strong><\/p>\n\n\n\n<p><strong><span style=\"text-decoration: underline;\">Kdy\u017e je v\u00e1m 37let &lt;<\/span><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td> V\u00fd\u0161e \u00fav\u011bru max. 80% z hodnoty z\u00e1stavy <\/td><td>4.800.000,-<\/td><\/tr><tr><td> Maxim\u00e1ln\u00ed splatnost <\/td><td>30 let<\/td><\/tr><tr><td> Fixace \u00farokov\u00e9 sazby <\/td><td>5 let<\/td><\/tr><tr><td> Aktu\u00e1ln\u00ed \u00farokov\u00e1 sazba (bez poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet) <\/td><td>3,94% p.a.<\/td><\/tr><tr><td> M\u011bs\u00ed\u010dn\u00ed anuitn\u00ed spl\u00e1tka <\/td><td><strong>22.784,- <\/strong>   !!<\/td><\/tr><tr><td> B\u011b\u017en\u00e9 RPSN (odhad, z\u00e1stavn\u00ed smlouva, ov\u011b\u0159en\u00e9 podpisy&#8230; apd.) <\/td><td>4,02% <\/td><\/tr><tr><td> DTI (60.000,- x 12) x 8,5 = 6.120.000,- m\u00ednus aktu\u00e1ln\u00ed spl\u00e1cen\u00e1 jistina 250tis <\/td><td>5.870.000,-<\/td><\/tr><tr><td> DSTI (60.000,- x 0,45) &#8211; 5.000,- aktu\u00e1ln\u00ed spl\u00e1tky <\/td><td><strong>22.000,-<\/strong>    !!<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Na tomto p\u0159\u00edkladu vid\u00edte, \u017ee ukazatel DSTI zas\u00e1hl v\u00fdznamn\u011b do maxim\u00e1ln\u00ed mo\u017en\u00e9 spl\u00e1tky budouc\u00edho \u00fav\u011bru, tedy i kdy\u017e spl\u0148ujete ukazatel DTI, je nutn\u00e9 v&nbsp;souvislosti s&nbsp;DSTI sn\u00ed\u017eit limit hypot\u00e9ky na p\u0159ibli\u017en\u011b 4.600.000,- (spl\u00e1tka 21.835,-). <\/strong>V&nbsp;tomto p\u0159\u00edpad\u011b byste se velmi pravd\u011bpodobn\u011b ve\u0161ly do 5% v\u00fdjimky, kter\u00e9 banka m\u016f\u017ee schv\u00e1lit pokud bude p\u0159esv\u011bd\u010dena, \u017ee \u017eadatel dan\u00fd \u00fav\u011br v budoucnu bez probl\u00e9m\u016f splat\u00ed.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>V&nbsp;d\u016fsledku p\u0159\u00edsn\u011bj\u0161\u00edch ukazatel\u016f bude pro klienty, kte\u0159\u00ed <strong>p\u0159es\u00e1hnou 36let v\u011bku<\/strong> v&nbsp;dob\u011b \u017e\u00e1dosti, po\u0159\u00edzen\u00ed vlastn\u00edho bydlen\u00ed je\u0161t\u011b v\u00edce n\u00e1ro\u010dn\u011bj\u0161\u00ed discipl\u00ednou ne\u017e je tomu v&nbsp;sou\u010dasn\u00e9 dob\u011b.<\/p><\/blockquote>\n\n\n\n<p>TIP: <strong><em>Pokud pl\u00e1nujete koupi nemovitosti v&nbsp;p\u0159\u00ed\u0161t\u00edm roce a v\u00edte, \u017ee se na v\u00e1s ji\u017e budou vztahovat p\u0159\u00edsn\u011bj\u0161\u00ed podm\u00ednky, pak je tu mo\u017enost schv\u00e1len\u00ed hypot\u00e9ky dop\u0159edu bez nemovitosti s&nbsp;odkladem \u010derp\u00e1n\u00ed a\u017e na 3 roky a s&nbsp;garanc\u00ed sou\u010dasn\u00fdch podm\u00ednek.<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u010cNB na sv\u00e9m posledn\u00edm zased\u00e1n\u00ed 25.11.2021 sice ponechala z\u00e1kladn\u00ed \u00farokov\u00e9 sazby beze zm\u011bny (a pl\u00e1nuje tak ponechat do konce tohoto roku), nicm\u00e9n\u011b ozn\u00e1mila budouc\u00ed zm\u011bny v&nbsp;podm\u00ednk\u00e1ch poskytov\u00e1n\u00ed hypot\u00e9k. Zm\u011bny v&nbsp;limitech \u00fav\u011brov\u00fdch ukazatel\u016f nov\u011b \u010cNB nedoporu\u010duje a d\u00edky schv\u00e1len\u00ed z\u00e1kona o \u010cNB v&nbsp;srpnu 2021 bank\u00e1m na\u0159izuje.<\/p>\n","protected":false},"author":1,"featured_media":7657,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ub_ctt_via":"","footnotes":""},"categories":[63],"tags":[64],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2021\/12\/CNB-meni-parametry-hypotek.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\/7654"}],"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=7654"}],"version-history":[{"count":3,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/7654\/revisions"}],"predecessor-version":[{"id":7658,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/7654\/revisions\/7658"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/7657"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=7654"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=7654"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=7654"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}