{"id":4821,"date":"2024-07-31T14:26:45","date_gmt":"2024-07-31T13:26:45","guid":{"rendered":"https:\/\/tydenikbydleni.cz\/?p=4821"},"modified":"2024-07-31T14:26:45","modified_gmt":"2024-07-31T13:26:45","slug":"poplatky-za-predcasne-splaceni-hypoteky-se-blizi-ovlivni-nova-pravidla-realitni-trh","status":"publish","type":"post","link":"https:\/\/tydenikbydleni.cz\/?p=4821","title":{"rendered":"Poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky se bl\u00ed\u017e\u00ed. Ovlivn\u00ed nov\u00e1 pravidla realitn\u00ed trh?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Od z\u00e1\u0159\u00ed za\u010dne platit novela z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kter\u00e1 stanovuje jasn\u00e1 pravidla pro p\u0159ed\u010dasn\u00e9 splacen\u00ed hypote\u010dn\u00edho \u00fav\u011bru. Co to pro \u017eadatele o hypot\u00e9ku znamen\u00e1? A ovlivn\u00ed nov\u00e1 pravidla realitn\u00ed trh?<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">P\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky nov\u011b p\u0159ijde i na des\u00edtky tis\u00edc<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">V&nbsp;sou\u010dasnosti n\u011bkter\u00e9 banky nab\u00edzej\u00ed mo\u017enost p\u0159ed\u010dasn\u00e9ho splacen\u00ed hypote\u010dn\u00edho \u00fav\u011bru zdarma. N\u011bkter\u00e9 si za to \u00fa\u010dtuj\u00ed p\u0159edem dohodnut\u00fd poplatek, kter\u00fd m\u00e1 pokr\u00fdt nadbyte\u010dn\u00e9 n\u00e1klady k&nbsp;poskytnut\u00e9mu \u00fav\u011bru. V\u011bt\u0161inou se v\u0161ak jedn\u00e1 o poplatek v&nbsp;\u0159\u00e1du n\u011bkolik stovek \u010di n\u011bkolika tis\u00edc korun. V&nbsp;drtiv\u00e9m procentu p\u0159\u00edpad\u016f se tak p\u0159ed\u010dasn\u00e9 splacen\u00ed vyplatilo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Banky p\u016fvodn\u011b navrhovaly poplatek ve v\u00fd\u0161i dvou procent. V&nbsp;novele z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru je nakonec ur\u010den limit jedno procento. \u201eJedno procento je celkov\u00fd limit z&nbsp;p\u0159ed\u010dasn\u011b splacen\u00e9 \u010d\u00e1stky. D\u016fle\u017eit\u00e9 je ale dodat, \u017ee novela z\u00e1rove\u0148 ur\u010duje v\u00fd\u0161i limitu n\u00e1hrady bank\u00e1m podle po\u010dtu let zb\u00fdvaj\u00edc\u00edch do konce fixace. Ten je stanoven do v\u00fd\u0161e maxim\u00e1ln\u011b 0,25 procenta,\u201c vysv\u011btluje Jan Kindl z&nbsp;<a href=\"https:\/\/www.domov-beroun.cz\/\">realitn\u00ed spole\u010dnosti<\/a> Domov, kter\u00e1 p\u016fsob\u00ed v&nbsp;Praze a na Berounsku. Podle nov\u00fdch pravidel m\u016f\u017ee p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky vyj\u00edt i na des\u00edtky tis\u00edc korun. Na druhou stranu, spot\u0159ebitel\u00e9 budou m\u00edt mo\u017enost hypot\u00e9ku p\u0159ed\u010dasn\u011b splatit bez poplatku za ur\u010dit\u00fdch okolnost\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kdy lze hypot\u00e9ku p\u0159ed\u010dasn\u011b splatit bez poplatku<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ji\u017e nyn\u00ed je mo\u017en\u00e9 hypote\u010dn\u00ed \u00fav\u011br p\u0159ed\u010dasn\u011b splatit po vypr\u0161en\u00ed fixace \u00farokov\u00e9 sazby, d\u00e1le do 3 m\u011bs\u00edc\u016f od sd\u011blen\u00ed nov\u00e9 v\u00fd\u0161e \u00farokov\u00e9 sazby bankou nebo v&nbsp;p\u0159\u00edpad\u011b \u00famrt\u00ed, dlouhodob\u00e9 nemoci \u010di invalidity klienta nebo jeho man\u017eela \u010di man\u017eelky. Od z\u00e1\u0159\u00ed bude mo\u017en\u00e9 hypot\u00e9ky p\u0159ed\u010dasn\u011b splatit bez poplatku i v&nbsp;situaci, kdy dojde k&nbsp;vypo\u0159\u00e1d\u00e1n\u00ed spole\u010dn\u00e9ho jm\u011bn\u00ed man\u017eel\u016f nebo v&nbsp;p\u0159\u00edpad\u011b prodeje nemovitosti po dvou letech a v\u00edce od koup\u011b. St\u00e1le bude tak\u00e9 mo\u017en\u00e9 splatit a\u017e \u010dtvrtinu \u00fav\u011bru zdarma ro\u010dn\u011b. Nov\u00e1 pravidla se budou vztahovat na \u00fav\u011bry sjednan\u00e9 od 1.9.2024 a na \u00fav\u011bry, kdy k&nbsp;p\u0159ed\u010dasn\u00e9mu splacen\u00ed dojde b\u011bhem fixace sjednan\u00e9 od 1.9.2024.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Vyplat\u00ed se hypot\u00e9ku sjednat do konce srpna?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Logicky se nab\u00edz\u00ed ot\u00e1zka, zda nen\u00ed lep\u0161\u00ed sjednat si hypot\u00e9ku je\u0161t\u011b b\u011bhem srpna a vyu\u017e\u00edt st\u00e1vaj\u00edc\u00edch podm\u00ednek. V&nbsp;Domov Reality potvrzuj\u00ed, \u017ee b\u011bhem tohoto l\u00e9ta zaregistrovali vy\u0161\u0161\u00ed po\u010det z\u00e1jemc\u016f, kte\u0159\u00ed financov\u00e1n\u00ed \u0159e\u0161ili hypot\u00e9kou. Podle Kindla na to ale novela z\u00e1kona takov\u00fd vliv nem\u00e1. Ve h\u0159e jsou dal\u0161\u00ed faktory.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eKdy\u017e se pod\u00edv\u00e1te na ta pravidla, tak se o nijak z\u00e1sadn\u00ed trag\u00e9dii nejedn\u00e1, a nemysl\u00edm, \u017ee pl\u00e1novan\u00e1 novela sama o sob\u011b zp\u016fsob\u00ed masivn\u00ed z\u00e1jem o sjedn\u00e1n\u00ed hypot\u00e9ky je\u0161t\u011b b\u011bhem srpna. Na druhou stranu mus\u00edme vz\u00edt v&nbsp;potaz, \u017ee ceny nemovitost\u00ed jdou st\u00e1le nahoru, \u00farokov\u00e9 sazby u\u017e n\u011bkolik m\u011bs\u00edc\u016f neklesaj\u00ed a \u010cesk\u00e1 n\u00e1rodn\u00ed banka za\u010dala mluvit o znovuzaveden\u00ed p\u0159\u00edjmov\u00fdch limit\u016f p\u0159i poskytov\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f. V\u0161echny tyto faktory dohromady pravd\u011bpodobn\u011b zp\u016fsob\u00ed vy\u0161\u0161\u00ed z\u00e1jem o hypot\u00e9ku, a tedy i o koupi vlastn\u00edho bydlen\u00ed. Nav\u00edc, op\u011bt zdra\u017euj\u00ed n\u00e1jmy.\u201c uzav\u00edr\u00e1 Jan Kindl z&nbsp;<a href=\"https:\/\/www.domov-beroun.cz\/\">Domov Reality<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Od z\u00e1\u0159\u00ed za\u010dne platit novela z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kter\u00e1 stanovuje jasn\u00e1 pravidla pro p\u0159ed\u010dasn\u00e9 splacen\u00ed hypote\u010dn\u00edho \u00fav\u011bru. Co to pro \u017eadatele o hypot\u00e9ku znamen\u00e1? A ovlivn\u00ed nov\u00e1 pravidla realitn\u00ed trh? P\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky nov\u011b p\u0159ijde i na des\u00edtky tis\u00edc V&nbsp;sou\u010dasnosti n\u011bkter\u00e9 banky nab\u00edzej\u00ed mo\u017enost p\u0159ed\u010dasn\u00e9ho splacen\u00ed hypote\u010dn\u00edho \u00fav\u011bru zdarma. N\u011bkter\u00e9 si za to \u00fa\u010dtuj\u00ed [&hellip;]<\/p>\n","protected":false},"author":101,"featured_media":4822,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[275],"tags":[1281],"class_list":["post-4821","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bydleni","tag-domov-reality"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=\/wp\/v2\/posts\/4821","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=\/wp\/v2\/users\/101"}],"replies":[{"embeddable":true,"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4821"}],"version-history":[{"count":1,"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=\/wp\/v2\/posts\/4821\/revisions"}],"predecessor-version":[{"id":4823,"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=\/wp\/v2\/posts\/4821\/revisions\/4823"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=\/wp\/v2\/media\/4822"}],"wp:attachment":[{"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4821"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4821"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4821"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}