[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.psalteria.cz\/ach-ty-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.psalteria.cz\/ach-ty-hypoteky\/","headline":"Ach, ty hypot\u00e9ky!","name":"Ach, ty hypot\u00e9ky!","description":"Hypot\u00e9ky u\u017e jsou pr\u00fd pro n\u00e1s zase luxus. A to proto, \u017ee v lednu dos\u00e1hly \u00faroky za n\u011b t\u0159\u00ed procent a tud\u00ed\u017e jsou tyto nejdra\u017e\u0161\u00ed","datePublished":"2023-05-06","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.psalteria.cz\/author\/#Person","name":"","url":"https:\/\/www.psalteria.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"psalteria.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.psalteria.cz\/wp-content\/uploads\/img_a338807_w2684_t1551440067.jpg","url":"https:\/\/www.psalteria.cz\/wp-content\/uploads\/img_a338807_w2684_t1551440067.jpg","height":0,"width":0},"url":"https:\/\/www.psalteria.cz\/ach-ty-hypoteky\/","about":["Ekonomika"],"wordCount":610,"articleBody":"Hypot\u00e9ky u\u017e jsou pr\u00fd pro n\u00e1s zase luxus. A to proto, \u017ee v lednu dos\u00e1hly \u00faroky za n\u011b t\u0159\u00ed procent a tud\u00ed\u017e jsou tyto nejdra\u017e\u0161\u00ed za posledn\u00edch p\u011bt let. A je tud\u00ed\u017e logick\u00e9, \u017ee po\u010det t\u011bch nov\u011b sjednan\u00fdch klesl na sv\u00e9 p\u011btilet\u00e9 minimum.
 
 Na\u0161inci pak ztr\u00e1cej\u00ed o hypot\u00e9ky z\u00e1jem i proto, \u017ee pro n\u011b od lo\u0148sk\u00e9ho \u0159\u00edjna nov\u011b plat\u00ed p\u0159\u00edsn\u011bj\u0161\u00ed regulace, nen\u00ed je tud\u00ed\u017e u\u017e tak snadn\u00e9 z\u00edskat. Pr\u00fd u\u017e na n\u011b nedos\u00e1hne ka\u017ed\u00e1 p\u00e1t\u00e1 dom\u00e1cnost; a to i v Praze, kde maj\u00ed lid\u00e9 nadpr\u016fm\u011brn\u00e9 p\u0159\u00edjmy.
 
 M\u011bli tak kliku ti, kdo se zav\u010dasu \u201ep\u0159edz\u00e1sobili\u201c, tedy ti, kdo dostali hypot\u00e9ku d\u0159\u00edve, ne\u017e se takto p\u0159itvrdilo. A ti, kdo tak urychlen\u011b u\u010dinili na posledn\u00ed chv\u00edli, tud\u00ed\u017e sch\u00e1zej\u00ed nyn\u00ed, kdy u\u017e je h\u016f\u0159. By\u0165 ne zase a\u017e tak zle, proto\u017ee pr\u00fd u\u017e nehroz\u00ed, \u017ee by \u00faroky rostly i nad\u00e1le takov\u00fdm tempem jako posledn\u00ed dobou. M\u00e1 tomu tak b\u00fdt prost\u011b proto, \u017ee se zastavil r\u016fst tr\u017en\u00edch \u00farokov\u00fdch sazeb, ba \u017ee tyto dokonce loni v \u0159\u00edjnu a listopadu poklesly.
 
 Za t\u00edmto poklesem pr\u00fd stoj\u00ed dokonce i v\u00fdvoj na sv\u011btov\u00fdch trz\u00edch, kde zesl\u00e1bla infla\u010dn\u00ed o\u010dek\u00e1v\u00e1n\u00ed a to zastavilo i r\u016fst \u00farok\u016f. Ba i samotn\u00e1 americk\u00e1 centr\u00e1ln\u00ed banka upustila od dal\u0161\u00edho zvy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb, nejen \u010cesk\u00e1 n\u00e1rodn\u00ed banka. A pokud u n\u00e1s v posledn\u00ed dob\u011b rostou tr\u017en\u00ed \u00farokov\u00e9 sazby, pak je tomu tak kv\u016fli p\u0159\u00edzniv\u00e9mu lednov\u00e9mu v\u00fdvoji na akciov\u00fdch trz\u00edch, zejm\u00e9na ve Spojen\u00fdch st\u00e1tech, a nad\u011bje na mo\u017en\u00fd sm\u00edr v obchodn\u00ed v\u00e1lce Spojen\u00fdch st\u00e1t\u016f a \u010c\u00edny.
 
 
 A jestli\u017ee u n\u00e1s nerostou \u00faroky nijak dramaticky, je tomu tak i proto, \u017ee navzdory p\u0159edlo\u0148sk\u00e9mu ukon\u010den\u00ed \u201eintervenc\u00ed\u201c m\u00e1me na trhu st\u00e1le je\u0161t\u011b v\u011bt\u0161\u00ed nadbytek korun ne\u017e p\u0159ed jejich zah\u00e1jen\u00edm. Co\u017e stla\u010duje v\u00fdnosy a tedy i \u00faroky u hypot\u00e9k, je\u017e by m\u011bly na konci leto\u0161n\u00edho roku dos\u00e1hnout asi 3,5 procenta.
 
 To je tedy v\u00edcem\u00e9n\u011b u\u010den\u00fdmi slovy popsan\u00e1 realita dne\u0161ka. Kdy u\u017e si nem\u016f\u017ee po\u0159\u00eddit v\u00fdhodnou hypot\u00e9ku ka\u017ed\u00fd, kdo si tak umane u\u010dinit, kdy u\u017e se p\u0159itvrzuje. Co\u017e p\u0159ipadne leckomu tvrd\u00e9. Av\u0161ak zase a\u017e tak tvrd\u00e9 to nen\u00ed. Co\u017e je skryto i v on\u011bch u\u010den\u00fdch slovech.
 
 Proto\u017ee u n\u00e1s neskute\u010dn\u011b lacin\u00e9 hypot\u00e9ky skon\u010dily vlastn\u011b jenom proto, \u017ee na\u0161i vl\u00e1dn\u00ed politici p\u0159estali neuv\u011b\u0159iteln\u011b bl\u00e1znit. Tedy p\u0159estali tisknout a rozhazovat nekryt\u00e9 pen\u00edze, jich\u017e bylo (a jak zazn\u00edv\u00e1 v\u00fd\u0161e, dosud je) tolik, \u017ee se je finan\u010dn\u00ed instituce sna\u017eily udat st\u016fj co st\u016fj. Co\u017e sr\u00e1\u017eelo \u00faroky; proto\u017ee kdy\u017e u\u017e ty pen\u00edze nikdo necht\u011bl\u2026
 
 A je jenom dob\u0159e, \u017ee se p\u0159itvrzuje. Proto\u017ee a\u0165 si to uv\u011bdomujeme nebo ne, pro\u010d vlastn\u011b v posledn\u00ed dob\u011b tak l\u00e1te\u0159\u00edme nad dramaticky rostouc\u00edmi cenami nemovitost\u00ed? P\u0159ece pr\u00e1v\u011b proto, \u017ee si na n\u011b mohl p\u016fj\u010dit kdekdo. A kdy\u017e je popt\u00e1vka vysok\u00e1, ceny rostou. A jen d\u00edky dra\u017e\u0161\u00edm hypot\u00e9k\u00e1m je nad\u011bje, \u017ee budou m\u00edt na sv\u00e9 bydlen\u00ed i oby\u010dejn\u00ed lid\u00e9. Co\u017e zn\u00ed paradoxn\u011b, ale je to tak.
                                                                                                                                                                                                                                                                                                                                                                                         3.6\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ach, ty hypot\u00e9ky!","item":"https:\/\/www.psalteria.cz\/ach-ty-hypoteky\/#breadcrumbitem"}]}]