[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bofi.cz\/cesi-se-stale-vice-zadluzuji\/#Article","mainEntityOfPage":"https:\/\/www.bofi.cz\/cesi-se-stale-vice-zadluzuji\/","headline":"\u010ce\u0161i se st\u00e1le v\u00edce zadlu\u017euj\u00ed","name":"\u010ce\u0161i se st\u00e1le v\u00edce zadlu\u017euj\u00ed","description":"Meziro\u010dn\u00ed dluh \u010desk\u00fdch dom\u00e1cnost\u00ed se vy\u0161plhal na jeden bili\u00f3n a t\u00e9m\u011b\u0159 \u010dty\u0159i sta miliard korun \u2013 t je o deset miliard v\u00edce, ne\u017e tomu bylo v\u00a0\u010dervenci a o osmdes\u00e1t osm miliard v\u00edce, ne\u017e tomu bylo loni v\u00a0srpnu. Tyto \u00fadaje zve\u0159ejnila ve sv\u00fdch statistik\u00e1ch \u010cesk\u00e1 n\u00e1rodn\u00ed banka. Co stoj\u00ed za nar\u016fst\u00e1n\u00edm dluh\u016f \u010desk\u00fdch dom\u00e1cnost\u00ed? Podle poradensk\u00fdch […]","datePublished":"2023-04-27","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.bofi.cz\/author\/#Person","name":"bofi.cz","url":"https:\/\/www.bofi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bofi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.bofi.cz\/cesi-se-stale-vice-zadluzuji\/","about":["Finance"],"wordCount":413,"articleBody":"Meziro\u010dn\u00ed dluh \u010desk\u00fdch dom\u00e1cnost\u00ed se vy\u0161plhal na jeden bili\u00f3n a t\u00e9m\u011b\u0159 \u010dty\u0159i sta miliard korun \u2013 t je o deset miliard v\u00edce, ne\u017e tomu bylo v\u00a0\u010dervenci a o osmdes\u00e1t osm miliard v\u00edce, ne\u017e tomu bylo loni v\u00a0srpnu. Tyto \u00fadaje zve\u0159ejnila ve sv\u00fdch statistik\u00e1ch \u010cesk\u00e1 n\u00e1rodn\u00ed banka.Co stoj\u00ed za nar\u016fst\u00e1n\u00edm dluh\u016f \u010desk\u00fdch dom\u00e1cnost\u00ed? Podle poradensk\u00fdch spole\u010dnost\u00ed v\u00a0oblasti finan\u010dnictv\u00ed je to zp\u016fsobeno hypot\u00e9\u010dn\u00edmi \u00fav\u011bry, kter\u00e9 si \u010desk\u00e9 dom\u00e1cnosti berou na bydlen\u00ed. Hypot\u00e9ky jsou letos nejlevn\u011bj\u0161\u00ed za celou historii jejich m\u011b\u0159en\u00ed, co\u017e znamen\u00e1 od roku 1998. Tento fakt pob\u00edz\u00ed klienty, aby investovali do nemovitost\u00ed, ale tak\u00e9 aby si brali vy\u0161\u0161\u00ed hypot\u00e9ky na del\u0161\u00ed dobu spl\u00e1cen\u00ed, ne\u017e jakou skute\u010dn\u011b pot\u0159ebuj\u00ed. Sazby za srpen i z\u00e1\u0159\u00ed klesly, zat\u00edmco ceny nemovitost\u00ed stoupaj\u00ed, hlavn\u011b ve velk\u00fdch m\u011bstech, jako je Praha mimo historick\u00e9 centrum, Ostrava, Brno, ale tak\u00e9 Plze\u0148 nebo Olomouc.Na zadlu\u017eenosti se pod\u00edl\u00ed tak\u00e9 n\u00edzk\u00e1 nezam\u011bstnanost a rostouc\u00ed mzdyPodle odborn\u00edk\u016f i finan\u010dn\u00edch poradc\u016f je nasnad\u011b, \u017ee se dluh \u010desk\u00fdch dom\u00e1cnost\u00ed bude zv\u011bt\u0161ovat a\u017e do konce roku. Jeliko\u017e klienty bude stra\u0161it nov\u00e1 regulace, kter\u00e1 bude platit od nov\u00e9ho roku, nejv\u00edc hypot\u00e9\u010dn\u00edch \u00fav\u011br\u016f, p\u016fj\u010dek na bydlen\u00ed ale tak\u00e9 p\u016fj\u010dek a \u00fav\u011br\u016f na cokoli se bude b\u011bhem listopadu a prosince je\u0161t\u011b zvedat. Zm\u011bna pravidel po poskytov\u00e1n\u00ed hypot\u00e9k \u010cesk\u00e1 n\u00e1rodn\u00ed banka se zasadila o to, aby \u010desk\u00e9 banky u\u017e neposkytovaly sto procentn\u00ed hodnotu zaji\u0161t\u011bn\u00ed nemovitosti kupovan\u00e9 na hypot\u00e9ku, ale stanov\u00ed maxim\u00e1ln\u00ed limit, kter\u00fd plat\u00ed u\u017e od \u0159\u00edjna tohoto roku. Moment\u00e1ln\u011b je nastaven na devades\u00e1t p\u011bt procent hodnoty zaji\u0161t\u011bn\u00e9 nemovitosti, ale od \u010dtvrt\u00e9ho m\u011bs\u00edce nov\u00e9ho roku to bude u\u017e jenom devades\u00e1t procent.Firemn\u00ed nespl\u00e1cen\u00ed vzat\u00fdch \u00fav\u011br\u016f je vy\u0161\u0161\u00ed ne\u017e u dom\u00e1cnost\u00ed Rodiny dlu\u017e\u00ed v\u00edce ne\u017e firmy. Firemn\u00ed pod\u00edl v\u00a0\u00fav\u011brech m\u00edrn\u011b klesl za dobu letn\u00edch pr\u00e1zdnin a te\u010f se dr\u017e\u00ed na stejn\u00e9 hodnot\u011b. To je zp\u016fsobeno r\u016fstem ekonomiky a tedy hrub\u00e9ho dom\u00e1c\u00edho produktu. Zlep\u0161en\u00ed finan\u010dn\u00ed situace u firem jde ruku v\u00a0ruce se sni\u017eov\u00e1n\u00edm pod\u00edl\u016f v\u00a0selh\u00e1n\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.6\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010ce\u0161i se st\u00e1le v\u00edce zadlu\u017euj\u00ed","item":"https:\/\/www.bofi.cz\/cesi-se-stale-vice-zadluzuji\/#breadcrumbitem"}]}]