{"id":7,"date":"2026-06-12T06:54:16","date_gmt":"2026-06-12T04:54:16","guid":{"rendered":"https:\/\/maklermm.cz\/jarmilaciprova\/jak-funguje-hypoteka-v-roce-2026-co-se-zmenilo\/"},"modified":"2026-06-12T06:54:16","modified_gmt":"2026-06-12T04:54:16","slug":"jak-funguje-hypoteka-v-roce-2026-co-se-zmenilo","status":"publish","type":"post","link":"https:\/\/maklermm.cz\/jarmilaciprova\/jak-funguje-hypoteka-v-roce-2026-co-se-zmenilo\/","title":{"rendered":"Jak funguje hypot\u00e9ka v roce 2026? Co se zm\u011bnilo"},"content":{"rendered":"<p>Hypote\u010dn\u00ed trh proch\u00e1z\u00ed po n\u011bkolika letech vysok\u00fdch sazeb stabilizac\u00ed. Co byste m\u011bli v\u011bd\u011bt, pokud aktu\u00e1ln\u011b zva\u017eujete koupi nemovitosti?<\/p>\n<h2>Sazby kone\u010dn\u011b klesaj\u00ed<\/h2>\n<p>Po vrcholu kolem <strong>6 %<\/strong> v roce 2023 se pr\u016fm\u011brn\u00e9 sazby p\u011btilet\u00e9 fixace pohybuj\u00ed kolem <strong>4,5 %<\/strong>. Banky sout\u011b\u017e\u00ed o klienty a vyplat\u00ed se srovn\u00e1vat \u2014 rozd\u00edly mezi nejlep\u0161\u00ed a nejhor\u0161\u00ed nab\u00eddkou \u010din\u00ed klidn\u011b 0,8 procentn\u00edho bodu.<\/p>\n<h2>LTV a DSTI pravidla<\/h2>\n<p>\u010cNB dr\u017e\u00ed limity LTV 80 % (90 % pro mlad\u0161\u00ed 36 let) a DSTI 45 % (50 % pro mlad\u0161\u00ed 36 let). Kalkula\u010dku najdete na webech bank, ale realita schvalov\u00e1n\u00ed je \u010dasto p\u0159\u00edsn\u011bj\u0161\u00ed.<\/p>\n<h2>Refinancov\u00e1n\u00ed d\u00e1v\u00e1 smysl<\/h2>\n<p>Pokud m\u00e1te star\u0161\u00ed hypot\u00e9ku s nev\u00fdhodnou sazbou a bl\u00ed\u017e\u00ed se konec fixace, refinancov\u00e1n\u00ed dnes d\u00e1v\u00e1 smysl. Spo\u010d\u00edtejte si i poplatky \u2014 refinancov\u00e1n\u00ed pr\u016fm\u011brn\u011b trv\u00e1 6\u201310 t\u00fddn\u016f.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hypote\u010dn\u00ed trh proch\u00e1z\u00ed po n\u011bkolika letech vysok\u00fdch sazeb stabilizac\u00ed. Co byste m\u011bli v\u011bd\u011bt, pokud aktu\u00e1ln\u011b zva\u017eujete koupi nemovitosti? Sazby kone\u010dn\u011b klesaj\u00ed Po vrcholu kolem\u2026<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7","post","type-post","status-publish","format-standard","hentry","category-nezarazene"],"_links":{"self":[{"href":"https:\/\/maklermm.cz\/jarmilaciprova\/wp-json\/wp\/v2\/posts\/7","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/maklermm.cz\/jarmilaciprova\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/maklermm.cz\/jarmilaciprova\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/maklermm.cz\/jarmilaciprova\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/maklermm.cz\/jarmilaciprova\/wp-json\/wp\/v2\/comments?post=7"}],"version-history":[{"count":0,"href":"https:\/\/maklermm.cz\/jarmilaciprova\/wp-json\/wp\/v2\/posts\/7\/revisions"}],"wp:attachment":[{"href":"https:\/\/maklermm.cz\/jarmilaciprova\/wp-json\/wp\/v2\/media?parent=7"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/maklermm.cz\/jarmilaciprova\/wp-json\/wp\/v2\/categories?post=7"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/maklermm.cz\/jarmilaciprova\/wp-json\/wp\/v2\/tags?post=7"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}