{"id":2486,"date":"2026-04-20T11:15:53","date_gmt":"2026-04-20T10:15:53","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2486"},"modified":"2026-05-15T13:12:47","modified_gmt":"2026-05-15T12:12:47","slug":"krize-bydleni-v-cr-7-strategii-jak-si-poradit-s-vysokymi-hypotekami","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/krize-bydleni-v-cr-7-strategii-jak-si-poradit-s-vysokymi-hypotekami\/","title":{"rendered":"Krize bydlen\u00ed v \u010cR: 7 strategi\u00ed, jak si poradit s vysok\u00fdmi hypot\u00e9kami"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Hypot\u00e9ka je drah\u00e1, ceny rostou a vlastn\u00ed bydlen\u00ed se zd\u00e1 b\u00fdt snem, kter\u00fd si mohou dovolit jen ti nejbohat\u0161\u00ed. Jak se s t\u00edm poprat a p\u0159esto dos\u00e1hnout na vlastn\u00ed byt? M\u00e1me pro v\u00e1s 7 strategi\u00ed, jak se k tomu chyt\u0159e dostat.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podle zpr\u00e1vy <strong>Deloitte Property Index 2025<\/strong> pot\u0159ebuje pr\u016fm\u011brn\u00fd \u010cech <strong>13,5<\/strong> <strong>hrub\u00fdch ro\u010dn\u00edch plat\u016f<\/strong> na koupi bytu o velikosti 70 m\u00b2. To n\u00e1s \u0159ad\u00ed na <strong>p\u0159edposledn\u00ed<\/strong> <strong>m\u00edsto v dostupnosti bydlen\u00ed <\/strong>v Evrop\u011b. V Praze je situace nejn\u00e1ro\u010dn\u011bj\u0161\u00ed, pro koupi pr\u016fm\u011brn\u00e9ho bytu o velikosti kolem 70 m\u00b2 je pot\u0159eba a\u017e <strong>15<\/strong> <strong>hrub\u00fdch ro\u010dn\u00edch p\u0159\u00edjm\u016f.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\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\">Obsah<\/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-1-ekat-na-pokles-cen-rad-ji-jednejte-v-as\">\u010cekat na pokles cen? Rad\u011bji jednejte v\u010das<\/a><\/li><li class=\"\"><a href=\"#htoc-2-podpora-st-tu-nebo-obce\">Podpora st\u00e1tu nebo obce<\/a><\/li><li class=\"\"><a href=\"#htoc-3-refinancov-n-jak-sn-it-spl-tky-hypot-ky\">Hypot\u00e9ka a refinancov\u00e1n\u00ed: jak sn\u00ed\u017eit spl\u00e1tky hypot\u00e9ky?<\/a><\/li><li class=\"\"><a href=\"#htoc-4-dru-stevn-byty-alternativa-pro-rychlej-cestu-k-bydlen\">Dru\u017estevn\u00ed byty: alternativa pro rychlej\u0161\u00ed cestu k bydlen\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-5-lokalita-rozhoduje-nepla-te-pra-skou-p-ir-ku\">Lokalita rozhoduje: nepla\u0165te \u201epra\u017eskou p\u0159ir\u00e1\u017eku\u201c<\/a><\/li><li class=\"\"><a href=\"#htoc-6-sd-len-hypot-ka-spole-n-dos-hnete-na-v-c\">Sd\u00edlen\u00e1 hypot\u00e9ka: spole\u010dn\u011b dos\u00e1hnete na v\u00edc<\/a><\/li><li class=\"\"><a href=\"#htoc-7-investice-do-nemovitosti-chra-te-sv-pen-ze-p-ed-inflac\">Investice do nemovitosti: chra\u0148te sv\u00e9 pen\u00edze p\u0159ed inflac\u00ed<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"htoc-1-ekat-na-pokles-cen-rad-ji-jednejte-v-as\"><strong>\u010cekat na pokles cen? Rad\u011bji jednejte v\u010das<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Mnoho lid\u00ed v\u00e1h\u00e1 s koup\u00ed nemovitosti v o\u010dek\u00e1v\u00e1n\u00ed, \u017ee ceny spadnou. Nejnov\u011bj\u0161\u00ed data ale ukazuj\u00ed, \u017ee <strong>ceny nemovitost\u00ed v \u010cR nad\u00e1le rostou.<\/strong> V prvn\u00edm \u010dtvrtlet\u00ed roku 2026 pr\u016fm\u011brn\u00e1 cena nov\u00fdch byt\u016f v \u010cR dos\u00e1hla <strong>137 200 K\u010d za m\u00b2<\/strong>. V Praze je situace je\u0161t\u011b dramati\u010dt\u011bj\u0161\u00ed, kde pr\u016fm\u011brn\u00e1 cena v novostavb\u00e1ch vystoupala na <strong>176 600 K\u010d za m\u00b2<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dobrou zpr\u00e1vou pro potenci\u00e1ln\u00ed kupce je, \u017ee \u00farokov\u00e9 sazby hypot\u00e9k se v roce 2026 po p\u0159edchoz\u00edm poklesu ust\u00e1lily. N\u011bkter\u00e9 banky nyn\u00ed nab\u00edzej\u00ed hypot\u00e9ky s <strong>\u00farokov\u00fdmi sazbami za\u010d\u00ednaj\u00edc\u00edmi na<\/strong> <strong>4,19 %<\/strong>. Analytici p\u0159edpov\u00eddaj\u00ed, \u017ee po zbytek roku 2026 z\u016fstanou sazby na st\u00e1vaj\u00edc\u00ed \u00farovni bez v\u00fdrazn\u00fdch v\u00fdkyv\u016f. Prostor pro dal\u0161\u00ed zlev\u0148ov\u00e1n\u00ed se prozat\u00edm vy\u010derpal, a to i v souvislosti se stabiln\u00ed <strong>z\u00e1kladn\u00ed sazbou \u010cNB<\/strong>, <strong>kter\u00e1 se aktu\u00e1ln\u011b dr\u017e\u00ed na 3,50 %.<\/strong><\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\">\ud83d\udccc <strong>Chcete v\u011bd\u011bt, zda se v\u00e1m vyplat\u00ed n\u00e1jem, nebo hypot\u00e9ka?<\/strong> Pod\u00edvejte se na n\u00e1\u0161 podrobn\u00fd \u010dl\u00e1nek: <a href=\"https:\/\/www.fingo.cz\/blog\/najem-nebo-hypoteka-co-se-vyplati\/\"><strong>N\u00e1jem nebo hypot\u00e9ka: Co se vyplat\u00ed?<\/strong><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"htoc-2-podpora-st-tu-nebo-obce\"><br><strong>Podpora st\u00e1tu nebo obce<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Dal\u0161\u00ed mo\u017enost\u00ed jsou <strong>obecn\u00ed programy podpory bydlen\u00ed.<\/strong> \u0158ada m\u011bst (jako Praha, Brno \u010di Plze\u0148) nab\u00edz\u00ed startovac\u00ed byty pro <strong>mlad\u00e9 rodiny <\/strong>nebo <strong>n\u00edzko\u00faro\u010den\u00e9 z\u00e1p\u016fj\u010dky<\/strong> z fondu rozvoje bydlen\u00ed. Ur\u010dit\u011b stoj\u00ed za to zjistit na va\u0161em m\u011bstsk\u00e9m \u00fa\u0159ad\u011b, zda aktu\u00e1ln\u011b neb\u011b\u017e\u00ed dota\u010dn\u00ed program na podporu vlastnick\u00e9ho \u010di n\u00e1jemn\u00edho bydlen\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Od ledna 2026 nav\u00edc <strong>doch\u00e1z\u00ed k z\u00e1sadn\u00ed zm\u011bn\u011b v syst\u00e9mu st\u00e1tn\u00ed podpory.<\/strong> P\u016fvodn\u00ed p\u0159\u00edsp\u011bvek na bydlen\u00ed byl integrov\u00e1n do nov\u00e9 <strong>jednotn\u00e9 d\u00e1vky st\u00e1tn\u00ed soci\u00e1ln\u00ed pomoci<\/strong>. Tato reforma p\u0159inesla spravedliv\u011bj\u0161\u00ed nastaven\u00ed <strong>normativn\u00edch n\u00e1klad\u016f<\/strong>, kter\u00e9 se nyn\u00ed automaticky indexuj\u00ed podle re\u00e1ln\u00e9ho r\u016fstu cen n\u00e1jm\u016f a energi\u00ed v dan\u00e9m regionu. Pomoc je tak pro dom\u00e1cnosti v roce 2026 dostupn\u011bj\u0161\u00ed a administrativa d\u00edky digitalizaci skrze aplikaci Jenda v\u00fdrazn\u011b jednodu\u0161\u0161\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"htoc-3-refinancov-n-jak-sn-it-spl-tky-hypot-ky\"><strong>Hypot\u00e9ka a refinancov\u00e1n\u00ed: jak sn\u00ed\u017eit spl\u00e1tky hypot\u00e9ky?<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud u\u017e hypot\u00e9ku m\u00e1te a bl\u00ed\u017e\u00ed se v\u00e1m konec fixace, <strong>je nejvy\u0161\u0161\u00ed \u010das na revizi va\u0161\u00ed smlouvy.<\/strong> \u00darokov\u00e9 sazby se po dynamick\u00e9m roce 2025 stabilizovaly. <strong>Z\u00e1kladn\u00ed \u00farokov\u00e1 sazba \u010cNB<\/strong> se v dubnu 2026 dr\u017e\u00ed na <strong>3,5 %<\/strong> a trh vys\u00edl\u00e1 jasn\u00fd sign\u00e1l: <strong>v\u00fdrazn\u011bj\u0161\u00ed zlev\u0148ov\u00e1n\u00ed u\u017e v nejbli\u017e\u0161\u00ed dob\u011b nep\u0159ijde.<\/strong> Refinancov\u00e1n\u00ed je dnes jako v\u00fdm\u011bna star\u00e9ho motoru za \u00fasporn\u011bj\u0161\u00ed \u2013 sice to vy\u017eaduje trochu administrativy, ale v\u00fdsledek poc\u00edt\u00edte v pen\u011b\u017eence ka\u017ed\u00fd m\u011bs\u00edc.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-4a8df73ff8d22fc85f7d6d84920bd119 wp-block-paragraph\"><b data-path-to-node=\"3\" data-index-in-node=\"0\">P\u0159\u00edklad z praxe:<\/b><br>\u27a1 <b data-path-to-node=\"3\" data-index-in-node=\"32\">P\u016fvodn\u00ed hypot\u00e9ka:<\/b> 3,5 milionu K\u010d (zbytek dluhu), sazba 5,8 % = m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka <b data-path-to-node=\"3\" data-index-in-node=\"111\">22 143 K\u010d<\/b><br>\u27a1 <b data-path-to-node=\"3\" data-index-in-node=\"123\">Nov\u00e1 hypot\u00e9ka po refinancov\u00e1n\u00ed:<\/b> sazba 4,4 % = m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka <b data-path-to-node=\"3\" data-index-in-node=\"185\">19 252 K\u010d<\/b><br>\ud83d\udcb0 <b data-path-to-node=\"3\" data-index-in-node=\"198\">\u00daspora:<\/b> <b data-path-to-node=\"3\" data-index-in-node=\"206\">2 891 K\u010d<\/b> m\u011bs\u00ed\u010dn\u011b, co\u017e d\u011bl\u00e1 <b data-path-to-node=\"3\" data-index-in-node=\"233\">34 692 K\u010d ro\u010dn\u011b<\/b>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Pozor: Od z\u00e1\u0159\u00ed 2024 plat\u00ed nov\u00e1 pravidla pro poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed (0,25 % z p\u0159ed\u010dasn\u011b splacen\u00e9 \u010d\u00e1sti za ka\u017ed\u00fd rok do konce fixace, max. 1 %). I s t\u00edmto n\u00e1kladem se v\u0161ak refinancov\u00e1n\u00ed p\u0159i rozd\u00edlu sazeb p\u0159es 1 % obvykle vyplat\u00ed.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Banky aktu\u00e1ln\u011b nab\u00edzej\u00ed sazby za\u010d\u00ednaj\u00edc\u00ed na <strong>4,19 %<\/strong> a v sou\u010dasn\u00e9 dob\u011b se d\u00e1 p\u0159edpokl\u00e1dat, \u017ee se v tomto stabilizovan\u00e9m p\u00e1smu udr\u017e\u00ed po v\u011bt\u0161inu roku 2026. <strong>Refinancov\u00e1n\u00ed tak d\u00e1v\u00e1 smysl i nyn\u00ed<\/strong> \u2013 d\u00edky zost\u0159en\u00e9mu konkuren\u010dn\u00edmu boji bank o bonitn\u00ed klienty se toti\u017e \u010dasto objevuj\u00ed <strong>\u010dasov\u011b omezen\u00e9 ak\u010dn\u00ed nab\u00eddky<\/strong>, kter\u00e9 mohou stla\u010dit va\u0161i spl\u00e1tku je\u0161t\u011b n\u00ed\u017ee, ne\u017e ukazuj\u00ed ofici\u00e1ln\u00ed cen\u00edky.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-text-color has-link-color wp-elements-2385f8d106d9f94ac00dbc3522488f21 wp-block-paragraph\">\u27a1<strong> TIP<\/strong>: refinancov\u00e1n\u00ed hypot\u00e9ky lze prov\u00e9st na konci fixa\u010dn\u00edho obdob\u00ed. Je to ide\u00e1ln\u00ed p\u0159\u00edle\u017eitost k z\u00edsk\u00e1n\u00ed v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek, zejm\u00e9na v dob\u011b klesaj\u00edc\u00edch \u00farokov\u00fdch sazeb. Nezapome\u0148te za\u010d\u00edt jednat s bankami alespo\u0148 3 m\u011bs\u00edce p\u0159ed koncem fixace.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"htoc-4-dru-stevn-byty-alternativa-pro-rychlej-cestu-k-bydlen\"><br><strong>Dru\u017estevn\u00ed byty: alternativa pro rychlej\u0161\u00ed cestu k bydlen\u00ed<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud je pro v\u00e1s klasick\u00e1 hypot\u00e9ka nedostupn\u00e1, zkuste zv\u00e1\u017eit <strong>dru\u017estevn\u00ed byt<\/strong>. Tyto byty jsou \u010dasto levn\u011bj\u0161\u00ed ne\u017e byty v osobn\u00edm vlastnictv\u00ed a n\u011bkter\u00e9 banky u\u017e na n\u011b poskytuj\u00ed hypot\u00e9ku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>P\u0159\u00edklad z praxe: Byt 2+kk v \u0161ir\u0161\u00edm centru Prahy (cca 50 m\u00b2)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-osobn-vlastnictv-8-900-000-k\"><strong>Osobn\u00ed vlastnictv\u00ed:<\/strong> 8 900 000 K\u010d<\/li>\n\n\n\n<li id=\"htoc-dru-stevn-vlastnictv-7-300-000-k\"><strong>Dru\u017estevn\u00ed vlastnictv\u00ed:<\/strong> 7 300 000 K\u010d<\/li>\n\n\n\n<li id=\"htoc-rozd-l-v-cen-1-600-000-k-ve-prosp-ch-dru-stevn-ho-bytu\"><strong>Rozd\u00edl v cen\u011b:<\/strong> <strong>1 600 000 K\u010d<\/strong> ve prosp\u011bch dru\u017estevn\u00edho bytu!<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Jak\u00fd je hlavn\u00ed rozd\u00edl mezi koup\u00ed bytu do osobn\u00edho vlastnictv\u00ed a po\u0159\u00edzen\u00edm dru\u017estevn\u00edho bytu?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-byt-v-osobn-m-vlastnictv-kupuj-c-se-st-v-plnopr-vn-m-majitelem-m-e-s-nemovitost-voln-nakl-dat-tedy-ji-prodat-pronajmout-nebo-zastavit-jako-z-stavu-pro-hypot-ku-po-koupi-plat-pouze-da-z-nemovit-ch-v-c-a-poplatky-svj\"><strong>Byt v osobn\u00edm vlastnictv\u00ed<\/strong> \u2013 Kupuj\u00edc\u00ed se st\u00e1v\u00e1 <strong>plnopr\u00e1vn\u00fdm majitelem<\/strong>, m\u016f\u017ee s nemovitost\u00ed <strong>voln\u011b nakl\u00e1dat<\/strong>, tedy ji prodat, pronajmout nebo zastavit jako z\u00e1stavu pro hypot\u00e9ku. Po koupi plat\u00ed pouze <strong>da\u0148 z nemovit\u00fdch v\u011bc\u00ed a poplatky SVJ<\/strong>.<\/li>\n\n\n\n<li id=\"htoc-dru-stevn-byt-kupuj-c-nekupuje-byt-ale-pod-l-v-dru-stvu-kter-je-vlastn-kem-cel-ho-domu-nem-e-byt-voln-prodat-ale-m-e-p-ev-st-sv-j-pod-l-jin-mu-lenovi-dru-stva-financov-n-je-slo-it-j-klasick-hypot-ka-na-dru-stevn-byt-nen-mo-n-ale-n-kter-banky-nab-zej-speci-ln-v-ry-na-dru-stevn-bydlen-v-hodou-je-ni-po-izovac-cena-oproti-byt-m-v-osobn-m-vlastnictv\"><strong>Dru\u017estevn\u00ed byt<\/strong> \u2013 Kupuj\u00edc\u00ed <strong>nekupuje byt, ale pod\u00edl v dru\u017estvu<\/strong>, kter\u00e9 je vlastn\u00edkem cel\u00e9ho domu. Nem\u016f\u017ee byt voln\u011b prodat, ale m\u016f\u017ee p\u0159ev\u00e9st sv\u016fj pod\u00edl jin\u00e9mu \u010dlenovi dru\u017estva. Financov\u00e1n\u00ed je slo\u017eit\u011bj\u0161\u00ed \u2013 klasick\u00e1 hypot\u00e9ka na dru\u017estevn\u00ed byt <strong>nen\u00ed mo\u017en\u00e1<\/strong>, ale n\u011bkter\u00e9 banky nab\u00edzej\u00ed <strong>speci\u00e1ln\u00ed \u00fav\u011bry<\/strong> na dru\u017estevn\u00ed bydlen\u00ed. V\u00fdhodou je <strong>ni\u017e\u0161\u00ed po\u0159izovac\u00ed cena <\/strong>oproti byt\u016fm v osobn\u00edm vlastnictv\u00ed.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"htoc-5-lokalita-rozhoduje-nepla-te-pra-skou-p-ir-ku\"><br><strong>Lokalita rozhoduje: nepla\u0165te \u201epra\u017eskou p\u0159ir\u00e1\u017eku\u201c<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Bydlen\u00ed v hlavn\u00edm m\u011bst\u011b je drah\u00e9, ale pokud jste ochotni doj\u00ed\u017ed\u011bt nebo m\u016f\u017eete pracovat z domova, m\u016f\u017eete u\u0161et\u0159it miliony. <strong>Rozd\u00edl mezi Prahou a m\u011bsty ve St\u0159edo\u010desk\u00e9m kraji z\u016fst\u00e1v\u00e1 propastn\u00fd.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Srovn\u00e1n\u00ed cen<\/strong>: <br>\ud83c\udfd9 <strong>Praha<\/strong> \u2013 pr\u016fm\u011brn\u00e1 cena bytu v novostavb\u011b (celom\u011bstsk\u00fd pr\u016fm\u011br): <strong>176 600 K\u010d\/m\u00b2<\/strong> (v \u0161ir\u0161\u00edm centru b\u011b\u017en\u011b p\u0159es 195 000 K\u010d\/m\u00b2) <br>\ud83c\udfe0 <strong>Kladno<\/strong> (30 minut do Prahy): <strong>94 000 K\u010d\/m\u00b2<\/strong> <br>\ud83c\udfe0 <strong>Beroun<\/strong> (35 minut do Prahy): <strong>105 000 K\u010d\/m\u00b2<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcb0 <strong>\u00daspora:<\/strong> U bytu o rozloze 70 m\u00b2 zaplat\u00edte v Berounu p\u0159ibli\u017en\u011b o <strong>5 milionu korun m\u00e9n\u011b<\/strong> ne\u017e v pr\u016fm\u011brn\u00e9 pra\u017esk\u00e9 novostavb\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"htoc-6-sd-len-hypot-ka-spole-n-dos-hnete-na-v-c\"><br><strong>Sd\u00edlen\u00e1 hypot\u00e9ka: spole\u010dn\u011b dos\u00e1hnete na v\u00edc<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pokud je pro v\u00e1s z\u00edsk\u00e1n\u00ed hypot\u00e9ky jako pro jednotlivce slo\u017eit\u00e9<\/strong>, <strong>\u0159e\u0161en\u00edm m\u016f\u017ee b\u00fdt p\u0159izv\u00e1n\u00ed spoludlu\u017en\u00edka <\/strong>\u2013 partnera, sourozence nebo klidn\u011b bl\u00edzk\u00e9ho p\u0159\u00edtele. Banky standardn\u011b umo\u017e\u0148uj\u00ed <strong>a\u017e \u010dty\u0159i \u017eadatele<\/strong> ze dvou r\u016fzn\u00fdch dom\u00e1cnost\u00ed, co\u017e v\u00fdrazn\u011b zvy\u0161uje va\u0161i bonitu a \u0161anci na vy\u0161\u0161\u00ed \u00fav\u011br.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>P\u0159\u00edklad z praxe:<\/strong> <br>\ud83d\udc64 <strong>Jednotlivec s p\u0159\u00edjmem 45 000 K\u010d<\/strong> \u2013 maxim\u00e1ln\u00ed hypot\u00e9ka: cca <strong>4,2 milionu K\u010d<\/strong> <br>\ud83d\udc6b <strong>P\u00e1r s \u010dist\u00fdmi p\u0159\u00edjmy 45 000 + 35 000 K\u010d <\/strong>\u2013 maxim\u00e1ln\u00ed hypot\u00e9ka: cca <strong>8,5 milionu K\u010d<\/strong> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Spole\u010dn\u011b tak dos\u00e1hnete na prostorn\u00fd rodinn\u00fd byt, na kter\u00fd byste jako jednotlivci nem\u011bli \u0161anci dos\u00e1hnout.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Pozor: Nezapom\u00ednejte, \u017ee jako spoludlu\u017en\u00edci odpov\u00edd\u00e1te za spl\u00e1cen\u00ed \u00fav\u011bru spole\u010dn\u011b a nerozd\u00edln\u011b. Je proto dobr\u00e9 m\u00edt mezi sebou jasno v tom, jak se budete pod\u00edlet na spl\u00e1tk\u00e1ch a vlastnictv\u00ed nemovitosti.<\/em><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">\ud83d\udc47 <strong>Zjist\u011bte kolik si m\u016f\u017eete p\u016fj\u010dit na hypot\u00e9ku podle sv\u00e9ho p\u0159\u00edjmu<\/strong>:<\/p>\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\n<script>\n\nconst iframe = document.getElementById('dynamicIframeHeight');\n\niframe.src = iframe.src + window.location.search;\n\n<\/script>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-rizika-sd-len-hypot-ky\"><br><strong>Rizika sd\u00edlen\u00e9 hypot\u00e9ky<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A\u010dkoliv spole\u010dn\u00e1 hypot\u00e9ka m\u016f\u017ee zv\u00fd\u0161it \u0161anci na vlastn\u00ed bydlen\u00ed, je d\u016fle\u017eit\u00e9 si uv\u011bdomit i <strong>mo\u017en\u00e1 rizika<\/strong> pro v\u0161echny z\u00fa\u010dastn\u011bn\u00e9:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-hlavn-dlu-n-k-odpov-d-za-spl-cen-cel-hypot-ky-pokud-spoludlu-n-k-p-estane-platit-banka-m-e-dluh-vym-hat-po-n-m\"><strong>Hlavn\u00ed dlu\u017en\u00edk<\/strong> \u2013 Odpov\u00edd\u00e1 za spl\u00e1cen\u00ed cel\u00e9 hypot\u00e9ky. Pokud spoludlu\u017en\u00edk p\u0159estane platit, banka m\u016f\u017ee dluh vym\u00e1hat po n\u011bm.<\/li>\n\n\n\n<li id=\"htoc-spoludlu-n-k-nen-jen-ru-itelem-ale-plnohodnotn-m-dlu-n-kem-to-mu-m-e-zhor-it-bonitu-a-zt-it-z-sk-n-vlastn-ho-v-ru\"><strong>Spoludlu\u017en\u00edk<\/strong> \u2013 Nen\u00ed jen ru\u010ditelem, ale plnohodnotn\u00fdm dlu\u017en\u00edkem. To mu m\u016f\u017ee zhor\u0161it bonitu a zt\u00ed\u017eit z\u00edsk\u00e1n\u00ed vlastn\u00edho \u00fav\u011bru.<\/li>\n\n\n\n<li id=\"htoc-vystoupen-z-hypot-ky-pokud-se-vztahy-mezi-dlu-n-ky-zm-n-banka-nemus-umo-nit-vyv-z-n-jednoho-z-nich-pokud-zb-vaj-c-dlu-n-k-nespl-uje-podm-nky-na-v-r-s-m-asto-je-jedin-m-e-en-m-refinancov-n-nebo-prodej-nemovitosti\"><strong>Vystoupen\u00ed z hypot\u00e9ky<\/strong> \u2013 Pokud se vztahy mezi dlu\u017en\u00edky zm\u011bn\u00ed, <strong>banka nemus\u00ed umo\u017enit vyv\u00e1z\u00e1n\u00ed<\/strong> jednoho z nich, pokud zb\u00fdvaj\u00edc\u00ed dlu\u017en\u00edk nespl\u0148uje podm\u00ednky na \u00fav\u011br s\u00e1m. \u010casto je jedin\u00fdm \u0159e\u0161en\u00edm <strong>refinancov\u00e1n\u00ed nebo prodej nemovitosti<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-text-color has-link-color wp-elements-d9eaad4a2d7958c24c426677acb524df wp-block-paragraph\">\u27a1 <strong>TIP:<\/strong> P\u0159ed uzav\u0159en\u00edm spole\u010dn\u00e9 hypot\u00e9ky si nastavte <strong>jasn\u00e1 pravidla<\/strong>, ide\u00e1ln\u011b sepsan\u00e1 not\u00e1\u0159em, jak budete v budoucnu \u0159e\u0161it mo\u017en\u00e9 probl\u00e9my.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"htoc-7-investice-do-nemovitosti-chra-te-sv-pen-ze-p-ed-inflac\"><br><strong>Investice do nemovitosti: chra\u0148te sv\u00e9 pen\u00edze p\u0159ed inflac\u00ed<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Ceny nemovitost\u00ed dlouhodob\u011b rostou, a to i p\u0159es ob\u010dasn\u00e9 v\u00fdkyvy trhu. Pokud m\u00e1te voln\u00e9 finan\u010dn\u00ed prost\u0159edky, m\u016f\u017ee b\u00fdt koup\u011b investi\u010dn\u00edho bytu skv\u011bl\u00fdm zp\u016fsobem, jak ochr\u00e1nit kapit\u00e1l p\u0159ed inflac\u00ed a zajistit si stabiln\u00ed v\u00fdnos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Aktu\u00e1ln\u00ed trendy:<\/strong> <br>\ud83d\udcc8 <strong>R\u016fst cen:<\/strong> Pr\u016fm\u011brn\u00fd meziro\u010dn\u00ed r\u016fst cen nemovitost\u00ed v \u010cR se nyn\u00ed pohybuje kolem <strong>7\u20139 %<\/strong>. <br>\ud83c\udfe1 <strong>N\u00e1jmy:<\/strong> N\u00e1jmy v Praze meziro\u010dn\u011b vzrostly v pr\u016fm\u011bru o <strong>8\u201312 %<\/strong>. V nej\u017e\u00e1dan\u011bj\u0161\u00edch lokalit\u00e1ch v bl\u00edzkosti tras metra v\u0161ak r\u016fst st\u00e1le dosahuje hranice <strong>18 %<\/strong>. <br>\ud83d\udcca <strong>Postoj k n\u00e1jmu:<\/strong> Podle nejnov\u011bj\u0161\u00edho pr\u016fzkumu ji\u017e <strong>45 %<\/strong> lid\u00ed \u017eij\u00edc\u00edch v n\u00e1jmu pl\u00e1nuje v tomto re\u017eimu z\u016fstat trvale. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I<strong> p\u0159es tyto trendy plat\u00ed, \u017ee z dlouhodob\u00e9ho hlediska (10+ let) vlastnictv\u00ed nemovitosti ekonomicky v\u00edt\u011bz\u00ed nad n\u00e1jemn\u00fdm<\/strong>, kter\u00e9 je nevratn\u00fdm n\u00e1kladem bez mo\u017enosti budov\u00e1n\u00ed vlastn\u00edho kapit\u00e1lu.<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-co-je-tedy-lep-n-jem-nebo-hypot-ka\"><br><strong>Co je tedy lep\u0161\u00ed? n\u00e1jem nebo hypot\u00e9ka?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ka\u017ed\u00e1 varianta m\u00e1 sv\u00e9 plusy a m\u00ednusy, ale <strong>z dlouhodob\u00e9ho pohledu vych\u00e1z\u00ed vlastnick\u00e9 bydlen\u00ed v\u00fdhodn\u011bji<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-n-jem-pohodl-ale-bez-budouc-ho-majetku\"><strong>N\u00e1jem: pohodl\u00ed, ale bez budouc\u00edho majetku<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-plat-te-za-bydlen-ale-byt-nikdy-nebude-v\"><strong>Plat\u00edte za bydlen\u00ed, ale byt nikdy nebude v\u00e1\u0161<\/strong><\/li>\n\n\n\n<li id=\"htoc-n-jemn-v-ase-poroste-nomin-ln-ur-it-re-ln-pravd-podobn-tak\"><strong>N\u00e1jemn\u00e9 v \u010dase poroste<\/strong> \u2013 nomin\u00e1ln\u011b ur\u010dit\u011b, re\u00e1ln\u011b pravd\u011bpodobn\u011b tak\u00e9<\/li>\n\n\n\n<li id=\"htoc-flexibilita-m-ete-se-kdykoliv-p-est-hovat-ale-tak-m-ete-dostat-v-pov\"><strong>Flexibilita<\/strong> \u2013 m\u016f\u017eete se kdykoliv p\u0159est\u011bhovat, ale tak\u00e9 m\u016f\u017eete dostat v\u00fdpov\u011b\u010f<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-hypot-ka-investice-do-budoucnosti\"><strong>Hypot\u00e9ka: investice do budoucnosti<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-spl-c-te-vlastn-byt-ne-ciz-majetek\"><strong>Spl\u00e1c\u00edte vlastn\u00ed byt, ne ciz\u00ed majetek<\/strong><\/li>\n\n\n\n<li id=\"htoc-rokov-slo-ka-spl-tky-kles-jak-spl-c-te-dluh-plat-te-m-n-bance-a-v-ce-do-sv-ho-majetku\"><strong>\u00darokov\u00e1 slo\u017eka spl\u00e1tky kles\u00e1<\/strong> \u2013 jak spl\u00e1c\u00edte dluh, plat\u00edte m\u00e9n\u011b bance a v\u00edce do sv\u00e9ho majetku<\/li>\n\n\n\n<li id=\"htoc-inflace-hraje-ve-v-prosp-ch-mor-spl-c-te-pen-zi-kter-postupn-ztr-c-hodnotu\"><strong>Inflace hraje ve v\u00e1\u0161 prosp\u011bch<\/strong> \u2013 \u00famor spl\u00e1c\u00edte pen\u011bzi, kter\u00e9 postupn\u011b ztr\u00e1c\u00ed hodnotu<\/li>\n\n\n\n<li id=\"htoc-na-konci-m-te-nemovitost-pravd-podobn-dra-ne-kdy-jste-ji-kupovali\"><strong>Na konci m\u00e1te nemovitost<\/strong> \u2013 pravd\u011bpodobn\u011b dra\u017e\u0161\u00ed, ne\u017e kdy\u017e jste ji kupovali<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ano, vlastnictv\u00ed p\u0159in\u00e1\u0161\u00ed n\u00e1klady na \u00fadr\u017ebu, ale ka\u017ed\u00fd m\u011bs\u00edc plat\u00edte do <strong>vlastn\u00edho<\/strong>, zat\u00edmco <strong>n\u00e1jem nikdy nebude v\u00e1\u0161.<\/strong> To je ten hlavn\u00ed rozd\u00edl.<\/p>\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 v\u00e1m<\/strong>: <a href=\"https:\/\/www.fingo.cz\/hypoteka-nebo-najem\">https:\/\/www.fingo.cz\/hypoteka-nebo-najem<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-je-alternativa-k-hypot-ce\"><br><strong>Jak\u00e1 je alternativa k hypot\u00e9ce?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Krom\u011b klasick\u00fdch hypot\u00e9k existuj\u00ed i dal\u0161\u00ed mo\u017enosti financov\u00e1n\u00ed bydlen\u00ed. <strong>Stavebn\u00ed spo\u0159en\u00ed <\/strong>nebo <strong>\u00fav\u011bry ze stavebn\u00edho spo\u0159en\u00ed <\/strong>mohou b\u00fdt zaj\u00edmavou alternativou, zejm\u00e9na pro ty, kte\u0159\u00ed nespl\u0148uj\u00ed podm\u00ednky pro hypote\u010dn\u00ed \u00fav\u011br.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i po\u0159izov\u00e1n\u00ed vlastn\u00edho bydlen\u00ed je d\u016fle\u017eit\u00e9 zv\u00e1\u017eit i potenci\u00e1ln\u00ed rizika. Pat\u0159\u00ed mezi n\u011b mo\u017enost ztr\u00e1ty zam\u011bstn\u00e1n\u00ed a neschopnost spl\u00e1cet hypot\u00e9ku &#8211; proti \u010demu\u017e se m\u016f\u017eete <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\">pojistit<\/a>. D\u00e1le v\u00e1s mohou ohrozit neo\u010dek\u00e1van\u00e9 v\u00fddaje na \u00fadr\u017ebu nemovitosti nebo p\u0159\u00edpadn\u00fd pokles cen nemovitost\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-m-d-ve-se-rozhodnete-pro-vlastn-bydlen-t-m-l-pe\"><br><strong>\u010c\u00edm d\u0159\u00edve se rozhodnete pro vlastn\u00ed bydlen\u00ed, t\u00edm l\u00e9pe<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u010cekat na ide\u00e1ln\u00ed podm\u00ednky m\u016f\u017ee znamenat, \u017ee v\u00e1m nemovitosti je\u0161t\u011b v\u00edce zdra\u017e\u00ed. Pokud chcete vlastn\u00ed bydlen\u00ed, <strong>nejlep\u0161\u00ed strategi\u00ed je aktivn\u011b hledat \u0159e\u0161en\u00ed u\u017e dnes<\/strong>. A\u0165 u\u017e vyu\u017eijete podporu st\u00e1tu, refinancov\u00e1n\u00ed, dru\u017estevn\u00ed bydlen\u00ed nebo investici do nemovitosti, v\u017edy se vyplat\u00ed myslet na dlouhodobou perspektivu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd0d <strong>Ne\u010dekejte, a\u017e bydlen\u00ed zdra\u017e\u00ed je\u0161t\u011b v\u00edc. <\/strong><a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\"><strong>Spo\u010d\u00edtejte si hned te\u010f<\/strong><\/a><strong>, zda dos\u00e1hnete na hypot\u00e9ku, a ud\u011blejte prvn\u00ed krok k vlastn\u00edmu bydlen\u00ed.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hypot\u00e9ka je drah\u00e1, ceny rostou a vlastn\u00ed bydlen\u00ed se zd\u00e1 b\u00fdt snem, kter\u00fd si mohou dovolit jen ti nejbohat\u0161\u00ed. Jak se s t\u00edm poprat a p\u0159esto dos\u00e1hnout na vlastn\u00ed byt? M\u00e1me pro v\u00e1s 7 strategi\u00ed, jak se k tomu chyt\u0159e dostat. Podle zpr\u00e1vy Deloitte Property Index 2025 pot\u0159ebuje pr\u016fm\u011brn\u00fd \u010cech 13,5 hrub\u00fdch ro\u010dn\u00edch plat\u016f na koupi bytu o velikosti 70 m\u00b2. To n\u00e1s \u0159ad\u00ed na p\u0159edposledn\u00ed m\u00edsto v dostupnosti bydlen\u00ed v Evrop\u011b. V Praze je situace nejn\u00e1ro\u010dn\u011bj\u0161\u00ed, pro koupi pr\u016fm\u011brn\u00e9ho bytu o velikosti kolem 70 m\u00b2 je pot\u0159eba a\u017e 15 hrub\u00fdch ro\u010dn\u00edch p\u0159\u00edjm\u016f. \u010cekat na pokles cen? Rad\u011bji jednejte v\u010das Mnoho lid\u00ed v\u00e1h\u00e1 s koup\u00ed nemovitosti v o\u010dek\u00e1v\u00e1n\u00ed, \u017ee ceny spadnou. Nejnov\u011bj\u0161\u00ed data ale ukazuj\u00ed, \u017ee ceny nemovitost\u00ed v \u010cR nad\u00e1le rostou. V prvn\u00edm \u010dtvrtlet\u00ed roku 2026 pr\u016fm\u011brn\u00e1 cena nov\u00fdch byt\u016f v \u010cR dos\u00e1hla 137 200 K\u010d za m\u00b2. V Praze je situace je\u0161t\u011b dramati\u010dt\u011bj\u0161\u00ed, kde pr\u016fm\u011brn\u00e1 cena v novostavb\u00e1ch vystoupala na 176 600 K\u010d za m\u00b2. Dobrou zpr\u00e1vou pro potenci\u00e1ln\u00ed kupce je, \u017ee \u00farokov\u00e9 sazby hypot\u00e9k se v roce 2026 po p\u0159edchoz\u00edm poklesu ust\u00e1lily. N\u011bkter\u00e9 banky nyn\u00ed nab\u00edzej\u00ed hypot\u00e9ky s \u00farokov\u00fdmi sazbami za\u010d\u00ednaj\u00edc\u00edmi na 4,19 %. Analytici p\u0159edpov\u00eddaj\u00ed, \u017ee po zbytek roku 2026 z\u016fstanou sazby na st\u00e1vaj\u00edc\u00ed \u00farovni bez [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":2490,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[63,12,13,157,158],"class_list":["post-2486","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hypoteky","tag-hypotecni-kalkulacka","tag-hypoteka","tag-jana-vaisova","tag-krize-bydleni","tag-refinancovani-hypoteky"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Hypot\u00e9ka a krize bydlen\u00ed v \u010cR<\/title>\n<meta name=\"description\" content=\"Hypot\u00e9ka je drah\u00e1, ceny rostou a vlastn\u00ed bydlen\u00ed se zd\u00e1 b\u00fdt snem, kter\u00fd si mohou dovolit jen ti nejbohat\u0161\u00ed. 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