{"id":2439,"date":"2026-11-13T12:21:02","date_gmt":"2026-11-13T11:21:02","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2439"},"modified":"2026-11-13T12:21:04","modified_gmt":"2026-11-13T11:21:04","slug":"najem-nebo-hypoteka","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/najem-nebo-hypoteka\/","title":{"rendered":"N\u00e1jem nebo hypot\u00e9ka? Co se vyplat\u00ed v roce 2026"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Pokud jste se n\u011bkdy sna\u017eili spo\u010d\u00edtat, <strong>zda se v\u00e1m vyplat\u00ed n\u00e1jem nebo si po\u0159\u00eddit vlastn\u00ed bydlen\u00ed na hypot\u00e9ku<\/strong>, v\u00edte, \u017ee odpov\u011b\u010f jednozna\u010dn\u00e1. Z\u00e1le\u017e\u00ed na mnoha faktorech, jako je inflace, \u00farokov\u00e9 sazby nebo r\u016fst cen nemovitost\u00ed. <strong>Tento \u010dl\u00e1nek v\u00e1m pom\u016f\u017ee pochopit aktu\u00e1ln\u00ed dynamiku trhu a na konkr\u00e9tn\u00edm v\u00fdpo\u010dtu uk\u00e1\u017ee, jak se ob\u011b varianty chovaj\u00ed v \u010dase.<\/strong><\/p>\n\n\n\n<div style=\"height:17px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co se v \u010dl\u00e1nku do\u010dtete:<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-jak-faktory-ovliv-uj-rozhodnut-mezi-n-jmem-a-hypot-kou\">Jak\u00e9 faktory rozhoduj\u00ed?<\/a><\/li><li class=\"\"><a href=\"#htoc-vztah-mezi-r-stem-ceny-nemovitost-a-dostupnost-hypot-k\">Paradox trhu: Levn\u011bj\u0161\u00ed \u00fav\u011bry zdra\u017euj\u00ed byty<\/a><\/li><li class=\"\"><a href=\"#htoc-kdybych-tenkr-t-koupil-koupila\">S\u00edla \u010dasu: Kdybych tenkr\u00e1t koupil\/a&#8230;<\/a><\/li><li class=\"\"><a href=\"#htoc-porovn-n-n-jem-vs-hypot-ka-v-konkr-tn-ch-slech\">Porovn\u00e1n\u00ed: N\u00e1jem vs. hypot\u00e9ka v konkr\u00e9tn\u00edch \u010d\u00edslech<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-kter-mo-nost-je-v-hodn-j-n-jem-nebo-hypot-ka\">Kter\u00e1 mo\u017enost je v\u00fdhodn\u011bj\u0161\u00ed?<\/a><\/li><li class=\"\"><a href=\"#htoc-aktu-ln-situace-n-jemn-ho-bydlen-v-r\">Aktu\u00e1ln\u00ed situace n\u00e1jemn\u00edho bydlen\u00ed v \u010cR<\/a><\/li><li class=\"\"><a href=\"#htoc-aktu-ln-situace-trhu-hypot-k-v-r\">Aktu\u00e1ln\u00ed situace trhu hypot\u00e9k v \u010cR<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#htoc-kdy-zvolit-n-jem-a-kdy-hypot-ku\">Kdy zvolit n\u00e1jem a kdy hypot\u00e9ku?<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-volba-mezi-n-jmem-a-hypot-kou-nen-snadn\">Z\u00e1v\u011br: Volba nen\u00ed jasn\u00e1<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 id=\"htoc-jak-faktory-ovliv-uj-rozhodnut-mezi-n-jmem-a-hypot-kou\" class=\"wp-block-heading\"><strong>Jak\u00e9 faktory rozhoduj\u00ed?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Rozhodov\u00e1n\u00ed mezi n\u00e1jmem a hypot\u00e9kou je jako skl\u00e1d\u00e1n\u00ed slo\u017eit\u00e9 finan\u010dn\u00ed skl\u00e1da\u010dky. Zva\u017ete tyto kl\u00ed\u010dov\u00e9 prom\u011bnn\u00e9:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li id=\"htoc-v-e-n-jemn-hon-jemn-z-vis-na-nab-dce-a-popt-vce-po-n-jemn-m-bydlen-co-ovliv-uje-ekonomick-situace-i-lokalita\"><strong>V\u00fd\u0161e n\u00e1jemn\u00e9ho<\/strong><br>N\u00e1jemn\u00e9 z\u00e1vis\u00ed na nab\u00eddce a popt\u00e1vce po n\u00e1jemn\u00edm bydlen\u00ed, co\u017e ovliv\u0148uje ekonomick\u00e1 situace i lokalita. Popt\u00e1vka je obrovsk\u00e1, hlavn\u011b ve velk\u00fdch m\u011bstech. N\u00e1jmy proto zdra\u017euj\u00ed.<br><\/li>\n\n\n\n<li id=\"htoc-rokov-sazby-hypot-kn-klady-na-hypot-ku-tedy-roky-a-poplatky-jsou-ur-ov-ny-m-novou-politikou-esk-n-rodn-banky\"><strong>\u00darokov\u00e9 sazby hypot\u00e9k<\/strong><br>N\u00e1klady na hypot\u00e9ku, tedy \u00faroky a poplatky, jsou ur\u010dov\u00e1ny m\u011bnovou politikou \u010cesk\u00e9 n\u00e1rodn\u00ed banky. Aktu\u00e1ln\u00ed sazby hypot\u00e9k kolem 5 % se staly \u201enov\u00fdm norm\u00e1lem\u201c.<br><\/li>\n\n\n\n<li id=\"htoc-r-st-cen-nemovitost-hodnotu-nemovitost-ovliv-uje-popt-vka-rokov-sazby-a-m-stn-trh\"><strong>R\u016fst cen nemovitost\u00ed<\/strong><br>Omezen\u00e1 v\u00fdstavba a z\u00e1jem investor\u016f dr\u017e\u00ed ceny byt\u016f naho\u0159e.<br><\/li>\n\n\n\n<li id=\"htoc-inflaceinflace-nejen-zvy-uje-n-klady-na-n-jem-ale-z-rove-sni-uje-re-lnou-hodnotu-dluh-to-znamen-e-ve-stejn-okam-ik-kdy-znehodnocuje-spory-tak-zm-r-uje-dluhy-s-nads-zkou-by-tedy-lo-ci-e-v-dob-vysok-inflace-vyhr-v-ten-kdo-m-v-ce-dluh-ne-spor\"><strong>Inflace<\/strong><br>Inflace nejen zvy\u0161uje n\u00e1klady na n\u00e1jem, ale z\u00e1rove\u0148 sni\u017euje re\u00e1lnou hodnotu dluh\u016f. To znamen\u00e1, \u017ee ve stejn\u00fd okam\u017eik, kdy znehodnocuje \u00faspory, tak \u201czm\u00edr\u0148uje\u201d dluhy. S nads\u00e1zkou by tedy \u0161lo \u0159\u00edci, \u017ee v dob\u011b vysok\u00e9 inflace vyhr\u00e1v\u00e1 ten, kdo m\u00e1 v\u00edce dluh\u016f ne\u017e \u00faspor.<\/li>\n<\/ol>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\">\ud83d\udc49 Zaj\u00edm\u00e1 v\u00e1s, jakou sazbu byste dostali dnes? Srovnejte si nab\u00eddky v na\u0161\u00ed <strong><a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\" data-type=\"link\" data-id=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\">hypote\u010dn\u00ed kalkula\u010dce.<\/a><\/strong><\/p>\n\n\n\n<div style=\"height:22px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-vztah-mezi-r-stem-ceny-nemovitost-a-dostupnost-hypot-k\" class=\"wp-block-heading\"><strong>Paradox trhu: Levn\u011bj\u0161\u00ed \u00fav\u011bry zdra\u017euj\u00ed byty<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">I tento fenom\u00e9n hraje velkou roli a je pot\u0159eba ho vn\u00edmat. Kdy\u017e jsou toti\u017e sazby hypot\u00e9k p\u0159\u00edli\u0161 n\u00edzk\u00e9, m\u016f\u017ee si hypot\u00e9ku dovolit v\u00edce lid\u00ed. Na trhu tak za\u010dne popt\u00e1vka po nemovitostech p\u0159evy\u0161ovat nab\u00eddku a prod\u00e1vaj\u00edc\u00ed si tak mohou dovolit nasadit vy\u0161\u0161\u00ed cenu. To nemovitosti prodra\u017e\u00ed a vlastnick\u00e9 bydlen\u00ed se op\u011bt pro n\u011bkter\u00e9 lidi stane nedostupn\u00e9. Toho jsme byli sv\u011bdky v minul\u00fdch letech.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\">\u00a0\ud83c\udfe0 Pl\u00e1nujete hypot\u00e9ku? P\u0159e\u010dt\u011bte si n\u00e1\u0161 \u010dl\u00e1nek, <a href=\"https:\/\/www.fingo.cz\/blog\/jak-na-hypoteku\/\">jak na novou hypot\u00e9ku: Cel\u00fd proces krok za krokem.<\/a><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-kdybych-tenkr-t-koupil-koupila\" class=\"wp-block-heading\"><strong>S\u00edla \u010dasu: Kdybych tenkr\u00e1t koupil\/a&#8230;<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kdy\u017e byste si vzali <strong>p\u0159ed 20 lety hypot\u00e9ku 1 000 000 K\u010d, koupili byste si za to men\u0161\u00ed byt v Praze.<\/strong> Spl\u00e1tka 5 000 K\u010d m\u011bs\u00ed\u010dn\u011b byla tehdy obrovsk\u00fd z\u00e1sah do rozpo\u010dtu. Sice jste hypot\u00e9kou \u010d\u00e1stku p\u0159eplatili, ale v dne\u0161n\u00edch cen\u00e1ch u\u017e to tak dramaticky nevypad\u00e1 a nav\u00edc m\u00e1te byt, kter\u00fd byste si dnes ji\u017e mo\u017en\u00e1 dovolit nemohli, proto\u017ee by st\u00e1l v\u00fdrazn\u011b v\u00edce. <strong>\u010cas a inflace hraj\u00ed v\u017edy pro majitele.<\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"765\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/01\/Hypoteka-vs.-najem@2x-1024x765.png\" alt=\"\" class=\"wp-image-3148\" style=\"aspect-ratio:1.3385743294805255;width:758px;height:auto\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/01\/Hypoteka-vs.-najem@2x-1024x765.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/01\/Hypoteka-vs.-najem@2x-300x224.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/01\/Hypoteka-vs.-najem@2x-768x573.png 768w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/01\/Hypoteka-vs.-najem@2x-1536x1147.png 1536w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/01\/Hypoteka-vs.-najem@2x-2048x1529.png 2048w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/01\/Hypoteka-vs.-najem@2x-1080x806.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><em>Podle grafu ji\u017e za 10 let se d\u00edky inflaci v\u00fd\u0161e n\u00e1jmu potk\u00e1 s v\u00fd\u0161\u00ed spl\u00e1tky hypot\u00e9ky, kterou si nyn\u00ed uzav\u0159ete.<\/em><\/p>\n\n\n\n<div style=\"height:27px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-porovn-n-n-jem-vs-hypot-ka-v-konkr-tn-ch-slech\" class=\"wp-block-heading\"><strong>Porovn\u00e1n\u00ed: N\u00e1jem vs. hypot\u00e9ka v konkr\u00e9tn\u00edch \u010d\u00edslech<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Abychom uk\u00e1zali, jak se rozd\u00edl mezi n\u00e1jmem a hypot\u00e9kou prop\u00ed\u0161e do va\u0161\u00ed pen\u011b\u017eenky v dlouhodob\u00e9m horizontu, p\u0159ipravili jsme modelov\u00fd p\u0159\u00edklad. <strong>Po\u010d\u00edt\u00e1me s b\u011b\u017en\u00fdm bytem v hodnot\u011b 5 634 000 K\u010d a srovn\u00e1v\u00e1me \u010dasov\u00fd horizont 30 let.<\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"2560\" height=\"1751\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/11\/GRAFY1-edited-scaled.png\" alt=\"\" class=\"wp-image-3146\" style=\"aspect-ratio:1.4620137809535252;width:614px;height:auto\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/11\/GRAFY1-edited-scaled.png 2560w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/11\/GRAFY1-edited-300x205.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/11\/GRAFY1-edited-1024x700.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/11\/GRAFY1-edited-768x525.png 768w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/11\/GRAFY1-edited-1536x1051.png 1536w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/11\/GRAFY1-edited-2048x1401.png 2048w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/11\/GRAFY1-edited-1080x739.png 1080w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n<\/div>\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 id=\"htoc-kter-mo-nost-je-v-hodn-j-n-jem-nebo-hypot-ka\" class=\"wp-block-heading\"><strong>Kter\u00e1 mo\u017enost je v\u00fdhodn\u011bj\u0161\u00ed?<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-za-30-let-u-et-te-s-hypot-kou-ve-srovn-n-s-n-jmem-p-ibli-n-523-613-k\">Za 30 let u\u0161et\u0159\u00edte s hypot\u00e9kou ve srovn\u00e1n\u00ed s n\u00e1jmem p\u0159es <strong>900 000 K\u010d.<\/strong><\/li>\n\n\n\n<li id=\"htoc-nav-c-p-i-hypot-ce-budete-na-konci-vlastn-kem-nemovitosti-jej-hodnota-se-za-30-let-d-ky-r-stu-ceny-nemovitost-pravd-podobn-zv-na-odhadovan-ch-13-276-890-k\">Ale hlavn\u011b: po 30 letech v\u00e1m z\u016fstane nemovitost s odhadovanou hodnotou <strong>p\u0159es 13 milion\u016f korun<\/strong>. V n\u00e1jmu v\u00e1m nez\u016fstane nic.<\/li>\n\n\n\n<li id=\"htoc-celkov-v-d-lek-z-nemovitosti-zhodnocen-po-ode-ten-n-klad-na-hypot-ku-je-p-ibli-n-8-166-503-k\">Celkov\u00fd \u201ev\u00fdd\u011blek\u201c z nemovitosti (zhodnocen\u00ed po ode\u010dten\u00ed n\u00e1klad\u016f na hypot\u00e9ku) tak \u010din\u00ed miliony korun, se kter\u00fdmi m\u016f\u017eete v d\u016fchodu libovoln\u011b nakl\u00e1dat.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\">\ud83d\udc49 Spo\u010d\u00edtejte si,<strong> jak to vych\u00e1z\u00ed p\u0159\u00edmo v\u00e1m<\/strong>: <a href=\"https:\/\/www.fingo.cz\/hypoteka-nebo-najem\" data-type=\"link\" data-id=\"https:\/\/www.fingo.cz\/hypoteka-nebo-najem\">hypot\u00e9ka nebo n\u00e1jem?<\/a><\/p>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 id=\"htoc-aktu-ln-situace-n-jemn-ho-bydlen-v-r\" class=\"wp-block-heading\"><strong>Aktu\u00e1ln\u00ed situace n\u00e1jemn\u00edho bydlen\u00ed v \u010cR<\/strong><\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\" id=\"htoc-koment-michala-nad-realitn-ho-specialisty-v-lo-sk-m-roce-elilo-n-jemn-bydlen-v-r-mnoha-v-zv-m-inflace-a-rostouc-rokov-sazby-vedly-v-ce-lid-k-volb-n-jmu-m-sto-hypot-ky-voln-ch-byt-kter-jsou-k-dispozici-je-ale-ve-velk-ch-m-stech-jako-praha-a-brno-nedostatek-to-samoz-ejm-tla-cenu-n-jm-nahoru-dokud-se-nezavede-st-tn-podpora-pronaj-matel-nebo-se-nezjednodu-proces-nov-v-stavby-nab-dka-n-jemn-ch-byt-se-nijak-zvl-t-zvedat-nebude-to-je-dobr-zpr-va-pro-pronaj-matele-hro-pro-n-jemce-kter-m-se-bude-n-jemn-s-rostouc-m-po-tem-obyvatel-tedy-popt-vaj-c-ch-st-le-zvy-ovat\">V lo\u0148sk\u00e9m roce \u010delilo n\u00e1jemn\u00ed bydlen\u00ed v \u010cR mnoha v\u00fdzv\u00e1m. Inflace a rostouc\u00ed \u00farokov\u00e9 sazby vedly v\u00edce lid\u00ed k volb\u011b n\u00e1jmu m\u00edsto hypot\u00e9ky. Voln\u00fdch byt\u016f, kter\u00e9 jsou k dispozici, je ale ve velk\u00fdch m\u011bstech jako Praha a Brno nedostatek. To samoz\u0159ejm\u011b tla\u010d\u00ed cenu n\u00e1jm\u016f nahoru. Dokud se nezavede st\u00e1tn\u00ed podpora pronaj\u00edmatel\u016f nebo se nezjednodu\u0161\u00ed proces nov\u00e9 v\u00fdstavby, nab\u00eddka n\u00e1jemn\u00edch byt\u016f se nijak zvl\u00e1\u0161t\u011b zvedat nebude. To je dobr\u00e1 zpr\u00e1va pro pronaj\u00edmatele, hro\u0161\u00ed pro n\u00e1jemce, kter\u00fdm se bude n\u00e1jemn\u00e9 s rostouc\u00edm po\u010dtem obyvatel (tedy popt\u00e1vaj\u00edc\u00edch) st\u00e1le zvy\u0161ovat.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\" id=\"htoc-\">\u2013 Michal Na\u010f, realitn\u00ed specialista FinGO.<\/p>\n<\/blockquote>\n\n\n\n<h3 id=\"htoc-aktu-ln-situace-trhu-hypot-k-v-r\" class=\"wp-block-heading\"><strong>Aktu\u00e1ln\u00ed situace trhu hypot\u00e9k v \u010cR<\/strong><\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\" id=\"htoc-zat-mco-za-tkem-roku-2026-mnoz-doufali-v-rychl-p-d-rokov-ch-sazeb-ke-ty-procentn-hranici-druh-polovina-roku-p-inesla-jasn-vyst-zliv-n-pr-m-rn-sazba-se-stabilizovala-okolo-5-kdo-ekal-na-dramatick-zlevn-n-hypot-k-ten-dnes-kupuje-dra-nemovitosti-za-stejn-roky-jako-na-ja-e-p-esto-objem-sjednan-ch-hypot-k-meziro-n-vyrostl-pro-e-i-pochopili-e-sou-asn-sazby-nejsou-do-asn-anom-lie-ale-nov-realita-se-kterou-je-pot-eba-pracovat-nav-c-re-ln-mzdy-poprv-po-del-dob-za-aly-p-ekon-vat-inflaci\">Zat\u00edmco za\u010d\u00e1tkem roku 2026 mnoz\u00ed doufali v rychl\u00fd p\u00e1d \u00farokov\u00fdch sazeb ke \u010dty\u0159procentn\u00ed hranici, druh\u00e1 polovina roku p\u0159inesla jasn\u00e9 vyst\u0159\u00edzliv\u011bn\u00ed. Pr\u016fm\u011brn\u00e1 sazba se stabilizovala okolo 5 %. Kdo \u010dekal na dramatick\u00e9 zlevn\u011bn\u00ed hypot\u00e9k, ten dnes kupuje dra\u017e\u0161\u00ed nemovitosti za stejn\u00e9 \u00faroky jako na ja\u0159e. P\u0159esto objem sjednan\u00fdch hypot\u00e9k meziro\u010dn\u011b vyrostl. Pro\u010d? \u010ce\u0161i pochopili, \u017ee sou\u010dasn\u00e9 sazby nejsou do\u010dasn\u00e1 anom\u00e1lie, ale nov\u00e1 realita, se kterou je pot\u0159eba pracovat. Nav\u00edc re\u00e1ln\u00e9 mzdy poprv\u00e9 po del\u0161\u00ed dob\u011b za\u010daly p\u0159ekon\u00e1vat inflaci<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-2 wp-block-paragraph\" id=\"htoc-jana-vaisov-seniorn-specialistka-na-hypot-ky-a-v-ry-fingo\">\u2013 Jana Vaisov\u00e1, seniorn\u00ed specialistka na hypot\u00e9ky a \u00fav\u011bry FinGO.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-11\"><\/p>\n<\/blockquote>\n\n\n\n<iframe src=\"https:\/\/www.fingo.cz\/banner\/mortgage\/version6\" allowfullscreen=\"\" scrolling=\"1\" style=\"\" onload=\"iframeLoaded()\" id=\"dynamicIframeHeight\" width=\"100%\" height=\"640\" frameborder=\"0\"><\/iframe>\n<script>\nconst iframe = document.getElementById('dynamicIframeHeight');\niframe.src = iframe.src + window.location.search;\n<\/script>\n\n\n\n<h2 id=\"htoc-kdy-zvolit-n-jem-a-kdy-hypot-ku\" class=\"wp-block-heading\"><strong>Kdy zvolit n\u00e1jem a kdy hypot\u00e9ku?<\/strong><\/h2>\n\n\n\n<h4 id=\"htoc-n-jem1\" class=\"wp-block-heading\"><strong>N\u00e1jem<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-v-hody-flexibilita-ni-po-te-n-n-klady-mo-nost-snadn-zm-ny-bydli-t\"><strong>V\u00fdhody:<\/strong> Vysok\u00e1 flexibilita, minim\u00e1ln\u00ed po\u010d\u00e1te\u010dn\u00ed n\u00e1klady, mo\u017enost okam\u017eit\u00e9 zm\u011bny bydli\u0161t\u011b, starosti s v\u011bt\u0161\u00edmi opravami \u0159e\u0161\u00ed majitel.<\/li>\n\n\n\n<li id=\"htoc-nev-hody-rostouc-m-s-n-n-klady-vinou-inflace-nejistota-prodlou-en-smlouvy-nebudujete-vlastn-majetek\"><strong>Nev\u00fdhody:<\/strong> Rostouc\u00ed m\u011bs\u00ed\u010dn\u00ed n\u00e1klady vlivem inflace, nejistota prodlou\u017een\u00ed smlouvy, nebudujete vlastn\u00ed majetek.<\/li>\n\n\n\n<li id=\"htoc-vhodn-pro-kr-tkodob-pl-ny-ast-st-hov-n-nejist-finan-n-situace\"><strong>Pro koho se hod\u00ed:<\/strong> Pro lidi s kr\u00e1tkodob\u00fdmi pl\u00e1ny, ty, kte\u0159\u00ed se \u010dasto st\u011bhuj\u00ed za prac\u00ed, nebo pro ty, jejich\u017e finan\u010dn\u00ed situace je zat\u00edm nestabiln\u00ed.<\/li>\n<\/ul>\n\n\n\n<h4 id=\"htoc-hypot-ka1\" class=\"wp-block-heading\"><strong>Hypot\u00e9ka<\/strong> (vlastn\u00ed bydlen\u00ed)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-v-hody-stabilita-budov-n-majetku-ochrana-p-ed-r-stem-cen-n-jm\"><strong>V\u00fdhody:<\/strong> Stabilita a ukotven\u00ed, budov\u00e1n\u00ed vlastn\u00edho majetku na st\u00e1\u0159\u00ed, ochrana p\u0159ed nekone\u010dn\u00fdm r\u016fstem cen n\u00e1jm\u016f, psychologick\u00fd pocit domova.<\/li>\n\n\n\n<li id=\"htoc-nev-hody-vy-nutn-po-te-n-investice-vlastn-zdroje-dlouhodob-z-vazek-nutnost-platit-opravy-a-dr-bu-z-vlastn-kapsy\"><strong>Nev\u00fdhody:<\/strong> Vy\u0161\u0161\u00ed nutn\u00e1 po\u010d\u00e1te\u010dn\u00ed investice (vlastn\u00ed zdroje), dlouhodob\u00fd z\u00e1vazek, nutnost platit opravy a \u00fadr\u017ebu z vlastn\u00ed kapsy.<\/li>\n\n\n\n<li id=\"htoc-vhodn-pro-dlouhodob-pl-ny-stabiln-p-jem-a-budov-n-vlastn-ho-z-zem\"><strong>Pro koho se hod\u00ed:<\/strong> Pro ty, kte\u0159\u00ed maj\u00ed stabiln\u00ed p\u0159\u00edjem, dlouhodob\u00e9 pl\u00e1ny v dan\u00e9 lokalit\u011b a cht\u011bj\u00ed budovat vlastn\u00ed finan\u010dn\u00ed z\u00e1zem\u00ed.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-volba-mezi-n-jmem-a-hypot-kou-nen-snadn\" class=\"wp-block-heading\"><strong>Z\u00e1v\u011br: Volba nen\u00ed jasn\u00e1<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Univerz\u00e1ln\u00ed odpov\u011b\u010f neexistuje. V\u017edy mus\u00edte zv\u00e1\u017eit sv\u00e9 \u017eivotn\u00ed priority, aktu\u00e1ln\u00ed rodinn\u00fd rozpo\u010det a pl\u00e1ny do budoucna. Nezapome\u0148te, \u017ee rozhodnut\u00ed bude v\u017edy podl\u00e9hat vliv\u016fm inflace a v\u00fdvoji \u00farokov\u00fdch sazeb, na kter\u00e9 se mus\u00edte p\u0159ipravit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud nechcete d\u011blat takto z\u00e1sadn\u00ed \u017eivotn\u00ed rozhodnut\u00ed naslepo, nev\u00e1hejte se obr\u00e1tit na na\u0161e <a href=\"https:\/\/www.fingo.cz\/kontakty\" data-type=\"link\" data-id=\"https:\/\/www.fingo.cz\/kontakty\">specialisty ve FinGO<\/a>. Probereme va\u0161i situaci a spo\u010d\u00edt\u00e1me v\u00e1m konkr\u00e9tn\u00ed mo\u017enosti na m\u00edru.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pokud jste se n\u011bkdy sna\u017eili spo\u010d\u00edtat, zda se v\u00e1m vyplat\u00ed n\u00e1jem nebo si po\u0159\u00eddit vlastn\u00ed bydlen\u00ed na hypot\u00e9ku, v\u00edte, \u017ee odpov\u011b\u010f jednozna\u010dn\u00e1. Z\u00e1le\u017e\u00ed na mnoha faktorech, jako je inflace, \u00farokov\u00e9 sazby nebo r\u016fst cen nemovitost\u00ed. Tento \u010dl\u00e1nek v\u00e1m pom\u016f\u017ee pochopit aktu\u00e1ln\u00ed dynamiku trhu a na konkr\u00e9tn\u00edm v\u00fdpo\u010dtu uk\u00e1\u017ee, jak se ob\u011b varianty chovaj\u00ed v \u010dase. Jak\u00e9 faktory rozhoduj\u00ed? Rozhodov\u00e1n\u00ed mezi n\u00e1jmem a hypot\u00e9kou je jako skl\u00e1d\u00e1n\u00ed slo\u017eit\u00e9 finan\u010dn\u00ed skl\u00e1da\u010dky. Zva\u017ete tyto kl\u00ed\u010dov\u00e9 prom\u011bnn\u00e9: \ud83d\udc49 Zaj\u00edm\u00e1 v\u00e1s, jakou sazbu byste dostali dnes? Srovnejte si nab\u00eddky v na\u0161\u00ed hypote\u010dn\u00ed kalkula\u010dce. Paradox trhu: Levn\u011bj\u0161\u00ed \u00fav\u011bry zdra\u017euj\u00ed byty I tento fenom\u00e9n hraje velkou roli a je pot\u0159eba ho vn\u00edmat. Kdy\u017e jsou toti\u017e sazby hypot\u00e9k p\u0159\u00edli\u0161 n\u00edzk\u00e9, m\u016f\u017ee si hypot\u00e9ku dovolit v\u00edce lid\u00ed. Na trhu tak za\u010dne popt\u00e1vka po nemovitostech p\u0159evy\u0161ovat nab\u00eddku a prod\u00e1vaj\u00edc\u00ed si tak mohou dovolit nasadit vy\u0161\u0161\u00ed cenu. To nemovitosti prodra\u017e\u00ed a vlastnick\u00e9 bydlen\u00ed se op\u011bt pro n\u011bkter\u00e9 lidi stane nedostupn\u00e9. Toho jsme byli sv\u011bdky v minul\u00fdch letech. \u00a0\ud83c\udfe0 Pl\u00e1nujete hypot\u00e9ku? P\u0159e\u010dt\u011bte si n\u00e1\u0161 \u010dl\u00e1nek, jak na novou hypot\u00e9ku: Cel\u00fd proces krok za krokem. S\u00edla \u010dasu: Kdybych tenkr\u00e1t koupil\/a&#8230; Kdy\u017e byste si vzali p\u0159ed 20 lety hypot\u00e9ku 1 000 000 K\u010d, koupili byste si za to men\u0161\u00ed byt v Praze. Spl\u00e1tka 5 [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":2440,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[12,13,154,153],"class_list":["post-2439","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hypoteky","tag-hypoteka","tag-jana-vaisova","tag-kalkulacka","tag-najem"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>N\u00e1jem nebo hypot\u00e9ka? 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