{"id":2776,"date":"2026-01-09T14:06:10","date_gmt":"2026-01-09T13:06:10","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2776"},"modified":"2026-01-12T12:30:20","modified_gmt":"2026-01-12T11:30:20","slug":"shrnuti-roku-ve-financnim-poradenstvi","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/shrnuti-roku-ve-financnim-poradenstvi\/","title":{"rendered":"Shrnut\u00ed roku 2025 ve finan\u010dn\u00edm poradenstv\u00ed"},"content":{"rendered":"\n<p><strong>Rok 2025 byl pro trhy financ\u00ed a nemovitost\u00ed dynamick\u00fdm obdob\u00edm<\/strong>.<strong> P\u0159inesl jak pozitivn\u00ed v\u00fdvoj, tak i v\u00fdzvy, na kter\u00e9 bylo nutn\u00e9 reagovat. Pod\u00edvejte se na kl\u00ed\u010dov\u00e9 oblasti, jak\u00fdmi jsou hypot\u00e9ky, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, ne\u017eivotn\u00ed poji\u0161t\u011bn\u00ed, investice a realitn\u00ed trh.<\/strong><\/p>\n\n\n\n<p><\/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\">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-hypot-ky-pokles-rokov-ch-sazeb-a-pokra-uj-c-popt-vka1\">Hypot\u00e9ky: pokles \u00farokov\u00fdch sazeb a pokra\u010duj\u00edc\u00ed popt\u00e1vka<\/a><\/li><li class=\"\"><a href=\"#htoc-ivotn-poji-t-n-stabiln-r-st-a-da-ov-v-hody\">\u017divotn\u00ed poji\u0161t\u011bn\u00ed: stabiln\u00ed r\u016fst a da\u0148ov\u00e9 v\u00fdhody<\/a><\/li><li class=\"\"><a href=\"#htoc-ne-ivotn-poji-t-n-siln-r-st-a-vy-ceny\">Ne\u017eivotn\u00ed poji\u0161t\u011bn\u00ed: siln\u00fd r\u016fst a vy\u0161\u0161\u00ed ceny<\/a><\/li><li class=\"\"><a href=\"#htoc-investice-trhy-pod-vlivem-nejistoty-a-volatilnosti\">Investice: trhy pod vlivem nejistoty a volatilnosti<\/a><\/li><li class=\"\"><a href=\"#htoc-realitn-trh-o-iven-a-vysok-r-st-cen\">Realitn\u00ed trh: o\u017eiven\u00ed a vysok\u00fd r\u016fst cen<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-hypot-ky-pokles-rokov-ch-sazeb-a-pokra-uj-c-popt-vka1\"><strong>Hypot\u00e9ky: pokles \u00farokov\u00fdch sazeb a pokra\u010duj\u00edc\u00ed popt\u00e1vka<\/strong><\/h3>\n\n\n\n<p>Rok 2025 byl pro oblast&nbsp;<strong>hypot\u00e9k<\/strong>&nbsp;celkov\u011b pozitivn\u00ed. \u00darokov\u00e9 sazby zaznamenaly pokles o p\u0159ibli\u017en\u011b jednu t\u0159etinu procentn\u00edho bodu. Na za\u010d\u00e1tku roku byla pr\u016fm\u011brn\u00e1 \u00farokov\u00e1 sazba 4,78 %, n\u00e1sledn\u011b klesla na 4,6 % v prvn\u00ed polovin\u011b roku. V \u0159\u00edjnu dos\u00e1hla sazba 4,48 %, ale na konci roku sazby stagnovaly a uzav\u0159ely se na 4,91 %. I p\u0159es tento v\u00fdvoj z\u016fstala pr\u016fm\u011brn\u00e1 v\u00fd\u0161e&nbsp;<strong>hypot\u00e9ky<\/strong>&nbsp;na vzestupu. Z 3,92 milionu K\u010d v lednu na 4,34 milionu K\u010d na konci roku.<\/p>\n\n\n\n<p>Rok 2025 se rovn\u011b\u017e nesl ve znamen\u00ed preferenc\u00ed krat\u0161\u00edch fixac\u00ed, s nejv\u011bt\u0161\u00edm z\u00e1jmem o fixace na 2\u20133 roky. Vysok\u00fd z\u00e1jem o&nbsp;<strong>refinancov\u00e1n\u00ed<\/strong>&nbsp;ovlivnil a\u017e 100 tis\u00edc dom\u00e1cnost\u00ed. Ty se pot\u00fdkaly se zv\u00fd\u0161en\u00edm spl\u00e1tek po skon\u010den\u00ed fixace. Zejm\u00e9na to platilo u&nbsp;<strong>hypot\u00e9k<\/strong>&nbsp;z let 2020\u20132022, kdy byly sazby kolem 2 %. I kdy\u017e tento n\u00e1r\u016fst spl\u00e1tek pro n\u011bkter\u00e9 dom\u00e1cnosti znamenal zv\u00fd\u0161en\u00ed m\u011bs\u00ed\u010dn\u00edch n\u00e1klad\u016f, nen\u00ed zat\u00edm patrn\u00fd n\u00e1r\u016fst neplati\u010d\u016f.<br><strong>Jana Vaisov\u00e1<\/strong>, specialistka na&nbsp;<strong>hypot\u00e9ky<\/strong>, dod\u00e1v\u00e1:&nbsp;<em>\u201eD\u016fle\u017eit\u00fdm trendem byl z\u00e1jem o krat\u0161\u00ed fixace, co\u017e klient\u016fm umo\u017enilo vyu\u017e\u00edt v\u00fdhodn\u011bj\u0161\u00ed sazby v pr\u016fb\u011bhu roku. Popt\u00e1vka po vlastnick\u00e9m bydlen\u00ed st\u00e1le roste, co\u017e se pozitivn\u011b odrazilo i na objemu nov\u00fdch hypot\u00e9k.\u201c<\/em><\/p>\n\n\n\n<p><strong>Doporu\u010den\u00ed pro rok 2026:<\/strong><br>V roce 2026 se o\u010dek\u00e1v\u00e1, \u017ee\u00a0<strong>\u00farokov\u00e9 sazby<\/strong>\u00a0z\u016fstanou stabiln\u00ed, ale\u00a0<strong>refinancov\u00e1n\u00ed<\/strong>\u00a0z\u016fstane kl\u00ed\u010dov\u00e9 pro mnoho dom\u00e1cnost\u00ed. Pokud uva\u017eujete o refinancov\u00e1n\u00ed nebo nov\u00fdch\u00a0<strong>hypot\u00e9k\u00e1ch<\/strong>, obra\u0165te se na specialisty a vyu\u017eijte dostupn\u00fdch online n\u00e1stroj\u016f pro kalkulaci optim\u00e1ln\u00edch podm\u00ednek.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\ud83d\udc49 Vypo\u010d\u00edtejte si na na\u0161\u00ed <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\">kalkula\u010dce hypot\u00e9k<\/a>, na jakou <strong>hypot\u00e9ku<\/strong> dos\u00e1hnete.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-ivotn-poji-t-n-stabiln-r-st-a-da-ov-v-hody\"><strong>\u017divotn\u00ed poji\u0161t\u011bn\u00ed: stabiln\u00ed r\u016fst a da\u0148ov\u00e9 v\u00fdhody<\/strong><\/h3>\n\n\n\n<p>Rok 2025 zaznamenal r\u016fst trhu\u00a0<strong>\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong>\u00a0o zhruba 6 %, p\u0159i\u010dem\u017e ve\u00a0<strong>FinGO<\/strong>\u00a0jsme rostli o 10 %. Popt\u00e1vka po\u00a0<strong>\u017eivotn\u00edm poji\u0161t\u011bn\u00ed<\/strong>\u00a0se zam\u011b\u0159ila zejm\u00e9na na produkty\u00a0<strong>dlouhodob\u00e9 p\u00e9\u010de<\/strong>, kter\u00e9 jsou dnes da\u0148ov\u011b uznateln\u00e9. Z\u00e1rove\u0148 byl v roce 2025 zv\u00fd\u0161en ro\u010dn\u00ed limit da\u0148ov\u00e9 uznatelnosti pro produkty\u00a0<strong>\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong>,\u00a0<strong>penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed<\/strong>\u00a0a\u00a0<strong>poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de<\/strong>, a to z 24.000 K\u010d na 48.000 K\u010d. Tato zm\u011bna v\u00e1m p\u0159in\u00e1\u0161\u00ed v\u011bt\u0161\u00ed prostor pro \u00faspory na dan\u00edch a zaji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de v budoucnu.<br><strong>Petr Mot\u00e1\u010dek<\/strong>, expert na\u00a0<strong>\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong>, k tomu \u0159\u00edk\u00e1:\u00a0<em>\u201eZv\u00fd\u0161en\u00ed limitu pro da\u0148ovou uznatelnost a rostouc\u00ed z\u00e1jem o produkty dlouhodob\u00e9 p\u00e9\u010de jsou kl\u00ed\u010dov\u00fdmi faktory pro tento r\u016fst. Klienti si st\u00e1le v\u00edce uv\u011bdomuj\u00ed d\u016fle\u017eitost zaji\u0161t\u011bn\u00ed pro p\u0159\u00edpad ne\u010dekan\u00e9 situace v \u017eivot\u011b.\u201c<\/em><\/p>\n\n\n\n<p id=\"htoc-ivotn-poji-t-n-stabiln-r-st-a-da-ov-v-hody\"><strong>Doporu\u010den\u00ed pro rok 2026:<\/strong><br>V roce 2026 se o\u010dek\u00e1v\u00e1, \u017ee produkty&nbsp;<strong>\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong>&nbsp;a&nbsp;<strong>poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de<\/strong>&nbsp;budou st\u00e1le v\u00edce na vzestupu, p\u0159i\u010dem\u017e&nbsp;<strong>da\u0148ov\u00e9 \u00falevy<\/strong>&nbsp;pro&nbsp;<strong>dlouhodobou p\u00e9\u010di<\/strong>&nbsp;z\u016fstanou kl\u00ed\u010dov\u00fdm motiva\u010dn\u00edm faktorem.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\ud83d\udc49 Pod\u00edvejte se na nab\u00eddky nejv\u00fdhodn\u011bj\u0161\u00edho <strong><a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\">\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a>.<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-ne-ivotn-poji-t-n-siln-r-st-a-vy-ceny\"><strong>Ne\u017eivotn\u00ed poji\u0161t\u011bn\u00ed: siln\u00fd r\u016fst a vy\u0161\u0161\u00ed ceny<\/strong><\/h3>\n\n\n\n<p>V oblasti&nbsp;<strong>ne\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong>&nbsp;rostl trh v roce 2025 o p\u0159ibli\u017en\u011b 8,5 %. Tento r\u016fst byl podporov\u00e1n stabiln\u00edm n\u00e1r\u016fstem popt\u00e1vky, zejm\u00e9na v oblasti&nbsp;<strong>poji\u0161t\u011bn\u00ed vozidel<\/strong>,&nbsp;<strong>podnikatelsk\u00e9ho poji\u0161t\u011bn\u00ed<\/strong>&nbsp;a&nbsp;<strong>poji\u0161t\u011bn\u00ed dom\u00e1cnost\u00ed<\/strong>. Ceny&nbsp;<strong>poji\u0161t\u011bn\u00ed vozidel<\/strong>&nbsp;vzrostly v\u00fdrazn\u011b v\u00edce ne\u017e u&nbsp;<strong>majetkov\u00e9ho poji\u0161t\u011bn\u00ed<\/strong>, a to p\u0159edev\u0161\u00edm d\u00edky rostouc\u00edm n\u00e1klad\u016fm na opravy vozidel a n\u00e1hradn\u00ed d\u00edly.<\/p>\n\n\n\n<p>Ve&nbsp;<strong>FinGO<\/strong>&nbsp;jsme rostli o 50 % v p\u0159edepsan\u00e9m pojistn\u00e9m, co\u017e odr\u00e1\u017e\u00ed nejen dobrou pr\u00e1ci st\u00e1vaj\u00edc\u00edch poradc\u016f, ale i vysok\u00fd objem nov\u00fdch klient\u016f z&nbsp;<strong>hypote\u010dn\u00edho trhu<\/strong>.<br><strong>Tom\u00e1\u0161 Kl\u00e1pa<\/strong>, expert na&nbsp;<strong>ne\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong>, \u0159\u00edk\u00e1:&nbsp;<em>\u201eVysok\u00e9 n\u00e1klady na opravy vozidel a rostouc\u00ed ceny n\u00e1hradn\u00edch d\u00edl\u016f se prom\u00edtly do r\u016fstu cen poji\u0161t\u011bn\u00ed. Na\u0161i klienti st\u00e1le v\u00edce oce\u0148uj\u00ed komplexn\u00ed ochranu majetku a odpov\u011bdnosti, kter\u00e1 je v dne\u0161n\u00ed dob\u011b nezbytn\u00e1.\u201c<\/em><\/p>\n\n\n\n<p id=\"htoc-ne-ivotn-poji-t-n-siln-r-st-a-vy-ceny\"><strong>Doporu\u010den\u00ed pro rok 2026:<\/strong><br>Rok 2026 p\u0159inese pokra\u010duj\u00edc\u00ed r\u016fst cen&nbsp;<strong>poji\u0161t\u011bn\u00ed<\/strong>, a to zejm\u00e9na v oblasti&nbsp;<strong>vozidel<\/strong>&nbsp;a&nbsp;<strong>poji\u0161t\u011bn\u00ed podnikatel\u016f<\/strong>. Vysok\u00e9 n\u00e1klady na opravy a n\u00e1hradn\u00ed d\u00edly i nad\u00e1le ovlivn\u00ed ceny&nbsp;<strong>poji\u0161t\u011bn\u00ed<\/strong>.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\ud83d\udc49 <strong> <a href=\"https:\/\/www.fingo.cz\/pojisteni-majetku\/rozcestnik\">Poji\u0161t\u011bn\u00ed majetku<\/a> <\/strong>si u n\u00e1s m\u016f\u017eete uzav\u0159\u00edt online.<\/p>\n\n\n\n<p id=\"htoc-investice-trhy-pod-vlivem-nejistoty-a-volatilnosti\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-investice-trhy-pod-vlivem-nejistoty-a-volatilnosti\"><strong>Investice: trhy pod vlivem nejistoty a volatilnosti<\/strong><\/h3>\n\n\n\n<p>Rok 2025 p\u0159inesl na kapit\u00e1lov\u00fdch trz\u00edch sm\u00ed\u0161en\u00fd v\u00fdvoj. Trhy ovliv\u0148ovaly&nbsp;<strong>geopolitick\u00e1 rizika<\/strong>, a investo\u0159i museli po\u010d\u00edtat s vy\u0161\u0161\u00ed&nbsp;<strong>volatilitou<\/strong>. Uk\u00e1zalo se, \u017ee&nbsp;<strong>diverzifikace portfolia<\/strong>&nbsp;a pravideln\u00fd&nbsp;<strong>rebalancing<\/strong>&nbsp;byly kl\u00ed\u010dov\u00e9 pro \u00fasp\u011b\u0161n\u00e9 zvl\u00e1dnut\u00ed t\u011bchto v\u00fdkyv\u016f. V oblasti \u010desk\u00fdch&nbsp;<strong>investic<\/strong>&nbsp;vzrostl objem investic ve fondech, co\u017e ukazuje na pozitivn\u00ed v\u00fdvoj na dom\u00e1c\u00edm&nbsp;<strong>kapit\u00e1lov\u00e9m trhu<\/strong>.&nbsp;<strong>Akciov\u00e9<\/strong>&nbsp;a&nbsp;<strong>sm\u00ed\u0161en\u00e9 fondy<\/strong>&nbsp;zaznamenaly meziro\u010dn\u00ed n\u00e1r\u016fst o 21 miliard K\u010d.<\/p>\n\n\n\n<p><strong>Ji\u0159\u00ed Fajt<\/strong>, odborn\u00edk na\u00a0<strong>investice<\/strong>, dod\u00e1v\u00e1:\u00a0<em>\u201eDiverzifikace a pravideln\u00fd rebalancing jsou kl\u00ed\u010dov\u00e9 pro \u00fasp\u011bch na volatiln\u00edch trz\u00edch. Vzhledem k vysok\u00e9 nejistot\u011b v roce 2025 je investov\u00e1n\u00ed do dluhopis\u016f nebo jin\u00fdch stabiliza\u010dn\u00edch prvk\u016f st\u00e1le relevantn\u00ed.\u201c<\/em><\/p>\n\n\n\n<p><strong>V\u00fdhled pro rok 2026:<\/strong><br><strong>Investo\u0159i<\/strong>\u00a0by m\u011bli v roce 2026 pokra\u010dovat v\u00a0<strong>diverzifikaci<\/strong>\u00a0a zva\u017eovat i stabiliza\u010dn\u00ed prvky portfolia, jako jsou\u00a0<strong>dluhopisy<\/strong>. O\u010dek\u00e1v\u00e1me, \u017ee \u010desk\u00fd\u00a0<strong>kapit\u00e1lov\u00fd trh<\/strong>\u00a0z\u016fstane siln\u00fd, ale\u00a0<strong>volatilita<\/strong>\u00a0m\u016f\u017ee st\u00e1le p\u0159etrv\u00e1vat.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\ud83d\udc49 <strong> <\/strong>Vyzkou\u0161ejte na\u0161i <a href=\"https:\/\/www.fingo.cz\/investice\"><strong>kalkula\u010dku investic<\/strong><\/a>.<\/p>\n\n\n\n<p id=\"htoc-realitn-trh-o-iven-a-vysok-r-st-cen\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-realitn-trh-o-iven-a-vysok-r-st-cen\"><strong>Realitn\u00ed trh: o\u017eiven\u00ed a vysok\u00fd r\u016fst cen<\/strong><\/h3>\n\n\n\n<p>Rok 2025 p\u0159inesl o\u017eiven\u00ed&nbsp;<strong>realitn\u00edho trhu<\/strong>&nbsp;s celkov\u00fdm meziro\u010dn\u00edm r\u016fstem cen&nbsp;<strong>nemovitost\u00ed<\/strong>&nbsp;o 10\u201315 %. Nejv\u00edce rostly ceny v krajsk\u00fdch m\u011bstech, p\u0159i\u010dem\u017e v&nbsp;<strong>Praze<\/strong>&nbsp;a&nbsp;<strong>Brn\u011b<\/strong>&nbsp;ceny vzrostly a\u017e o 15 %. Popt\u00e1vka byla nejv\u011bt\u0161\u00ed po&nbsp;<strong>bytech<\/strong>&nbsp;a&nbsp;<strong>n\u00e1jemn\u00edm bydlen\u00ed<\/strong>, zat\u00edmco&nbsp;<strong>rodinn\u00e9 domy<\/strong>&nbsp;a&nbsp;<strong>pozemky<\/strong>&nbsp;se prod\u00e1valy h\u016f\u0159e, zejm\u00e9na v\u011bt\u0161\u00ed domy mimo m\u011bsta. V\u00fdstavbu nov\u00fdch&nbsp;<strong>rodinn\u00fdch dom\u016f<\/strong>&nbsp;omezovala dlouh\u00e1 stavebn\u00ed \u0159\u00edzen\u00ed, co\u017e vedlo k nedostatku dostupn\u00fdch&nbsp;<strong>nemovitost\u00ed<\/strong>&nbsp;na trhu.<\/p>\n\n\n\n<p><strong>Jakub Ryba<\/strong>, CEO spole\u010dnosti FinGO, \u0159\u00edk\u00e1:\u00a0<em>\u201eRealitn\u00ed trh v roce 2025 uk\u00e1zal silnou popt\u00e1vku po\u00a0<strong>bytech<\/strong>\u00a0a\u00a0<strong>n\u00e1jemn\u00edch nemovitostech<\/strong>, zat\u00edmco\u00a0<strong>rodinn\u00e9 domy<\/strong>\u00a0mimo m\u011bsta zaost\u00e1valy. Vysok\u00fd r\u016fst cen byl podporov\u00e1n i nedostatkem nov\u00fdch\u00a0<strong>nemovitost\u00ed<\/strong>\u00a0na trhu.\u201c<\/em><\/p>\n\n\n\n<p><strong>Doporu\u010den\u00ed pro rok 2026:<\/strong><br><strong>Trh s reziden\u010dn\u00edmi nemovitostmi<\/strong>\u00a0i nad\u00e1le poroste, ale rostouc\u00ed ceny a zp\u0159\u00edsn\u011bn\u00ed podm\u00ednek pro\u00a0<strong>investi\u010dn\u00ed hypot\u00e9ky<\/strong> mohou ovlivnit\u00a0<strong>investory<\/strong>.\u00a0<strong>Popt\u00e1vka po nemovitostech<\/strong>\u00a0pro vlastn\u00ed bydlen\u00ed bude i nad\u00e1le siln\u00e1.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\ud83d\udc49 <strong> <\/strong>Zjist\u011bte <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\/odhad-nemovitosti\"><strong>aktu\u00e1ln\u00ed cenu nemovitosti<\/strong><\/a> online a zdarma.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Pokud m\u00e1te jak\u00e9koliv dotazy ohledn\u011b financ\u00ed, a\u0165 u\u017e se jedn\u00e1 o hypot\u00e9ky, poji\u0161t\u011bn\u00ed, investice nebo nemovitosti, <a href=\"https:\/\/www.fingo.cz\/kontakty\">na\u0161i specialist\u00e9<\/a> jsou tu pro v\u00e1s. Nev\u00e1hejte se na n\u00e1s <a href=\"https:\/\/www.fingo.cz\/kontakty\">obr\u00e1tit<\/a> pro odborn\u00e9 poradenstv\u00ed a pomoc p\u0159i hled\u00e1n\u00ed nejlep\u0161\u00edch \u0159e\u0161en\u00ed na m\u00edru va\u0161im pot\u0159eb\u00e1m.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rok 2025 byl pro trhy financ\u00ed a nemovitost\u00ed dynamick\u00fdm obdob\u00edm. P\u0159inesl jak pozitivn\u00ed v\u00fdvoj, tak i v\u00fdzvy, na kter\u00e9 bylo nutn\u00e9 reagovat. Pod\u00edvejte se na kl\u00ed\u010dov\u00e9 oblasti, jak\u00fdmi jsou hypot\u00e9ky, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, ne\u017eivotn\u00ed poji\u0161t\u011bn\u00ed, investice a realitn\u00ed trh. Hypot\u00e9ky: pokles \u00farokov\u00fdch sazeb a pokra\u010duj\u00edc\u00ed popt\u00e1vka Rok 2025 byl pro oblast&nbsp;hypot\u00e9k&nbsp;celkov\u011b pozitivn\u00ed. \u00darokov\u00e9 sazby zaznamenaly pokles o p\u0159ibli\u017en\u011b jednu t\u0159etinu procentn\u00edho bodu. Na za\u010d\u00e1tku roku byla pr\u016fm\u011brn\u00e1 \u00farokov\u00e1 sazba 4,78 %, n\u00e1sledn\u011b klesla na 4,6 % v prvn\u00ed polovin\u011b roku. V \u0159\u00edjnu dos\u00e1hla sazba 4,48 %, ale na konci roku sazby stagnovaly a uzav\u0159ely se na 4,91 %. I p\u0159es tento v\u00fdvoj z\u016fstala pr\u016fm\u011brn\u00e1 v\u00fd\u0161e&nbsp;hypot\u00e9ky&nbsp;na vzestupu. Z 3,92 milionu K\u010d v lednu na 4,34 milionu K\u010d na konci roku. Rok 2025 se rovn\u011b\u017e nesl ve znamen\u00ed preferenc\u00ed krat\u0161\u00edch fixac\u00ed, s nejv\u011bt\u0161\u00edm z\u00e1jmem o fixace na 2\u20133 roky. Vysok\u00fd z\u00e1jem o&nbsp;refinancov\u00e1n\u00ed&nbsp;ovlivnil a\u017e 100 tis\u00edc dom\u00e1cnost\u00ed. Ty se pot\u00fdkaly se zv\u00fd\u0161en\u00edm spl\u00e1tek po skon\u010den\u00ed fixace. Zejm\u00e9na to platilo u&nbsp;hypot\u00e9k&nbsp;z let 2020\u20132022, kdy byly sazby kolem 2 %. I kdy\u017e tento n\u00e1r\u016fst spl\u00e1tek pro n\u011bkter\u00e9 dom\u00e1cnosti znamenal zv\u00fd\u0161en\u00ed m\u011bs\u00ed\u010dn\u00edch n\u00e1klad\u016f, nen\u00ed zat\u00edm patrn\u00fd n\u00e1r\u016fst neplati\u010d\u016f.Jana Vaisov\u00e1, specialistka na&nbsp;hypot\u00e9ky, dod\u00e1v\u00e1:&nbsp;\u201eD\u016fle\u017eit\u00fdm trendem byl z\u00e1jem o krat\u0161\u00ed fixace, co\u017e klient\u016fm umo\u017enilo vyu\u017e\u00edt v\u00fdhodn\u011bj\u0161\u00ed sazby v pr\u016fb\u011bhu roku. [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":2782,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[141,16,187,169,186,27],"class_list":["post-2776","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-osobni-finance","tag-autopojisteni","tag-investice","tag-majetkove-pojisteni","tag-nemovitosti","tag-shrnuti-roku","tag-zivotni-pojisteni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Shrnut\u00ed roku 2025 ve finan\u010dn\u00edm poradenstv\u00ed - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Z\u00edskejte p\u0159ehled o trendech v hypot\u00e9k\u00e1ch, poji\u0161t\u011bn\u00ed, investic\u00edch a realit\u00e1ch za rok 2025 a v\u00fdhled na rok 2026.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.cz\/blog\/shrnuti-roku-ve-financnim-poradenstvi\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Shrnut\u00ed roku 2025 ve finan\u010dn\u00edm poradenstv\u00ed\" \/>\n<meta property=\"og:description\" content=\"Z\u00edskejte p\u0159ehled o trendech v hypot\u00e9k\u00e1ch, poji\u0161t\u011bn\u00ed, investic\u00edch a realit\u00e1ch za rok 2025 a v\u00fdhled na rok 2026.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.cz\/blog\/shrnuti-roku-ve-financnim-poradenstvi\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog FinGO.cz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fingo.cz\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-09T13:06:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-12T11:30:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/01\/shrnuti_roku_2025.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1344\" \/>\n\t<meta property=\"og:image:height\" content=\"896\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Alena Ludvikov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@fingocz\" \/>\n<meta name=\"twitter:site\" content=\"@fingocz\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alena Ludvikov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/shrnuti-roku-ve-financnim-poradenstvi\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/shrnuti-roku-ve-financnim-poradenstvi\\\/\"},\"author\":{\"name\":\"Alena Ludvikov\u00e1\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/person\\\/166bf004e062bafb98a20277a0200919\"},\"headline\":\"Shrnut\u00ed roku 2025 ve finan\u010dn\u00edm poradenstv\u00ed\",\"datePublished\":\"2026-01-09T13:06:10+00:00\",\"dateModified\":\"2026-01-12T11:30:20+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/shrnuti-roku-ve-financnim-poradenstvi\\\/\"},\"wordCount\":1434,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/shrnuti-roku-ve-financnim-poradenstvi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/shrnuti_roku_2025.png\",\"keywords\":[\"autopoji\u0161t\u011bn\u00ed\",\"investice\",\"majetkov\u00e9 poji\u0161t\u011bn\u00ed\",\"nemovitosti\",\"Shrnut\u00ed roku\",\"\u017eivotn\u00ed poji\u0161t\u011bn\u00ed\"],\"articleSection\":[\"Osobn\u00ed finance\"],\"inLanguage\":\"cs\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/shrnuti-roku-ve-financnim-poradenstvi\\\/\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/shrnuti-roku-ve-financnim-poradenstvi\\\/\",\"name\":\"Shrnut\u00ed roku 2025 ve finan\u010dn\u00edm poradenstv\u00ed - 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