{"id":2785,"date":"2026-01-12T13:09:37","date_gmt":"2026-01-12T12:09:37","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2785"},"modified":"2026-01-12T13:10:24","modified_gmt":"2026-01-12T12:10:24","slug":"vyhled-na-rok-ve-financnim-poradenstvi","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/vyhled-na-rok-ve-financnim-poradenstvi\/","title":{"rendered":"V\u00fdhled na rok 2026 ve finan\u010dn\u00edm poradenstv\u00ed"},"content":{"rendered":"\n<p><strong>Rok 2026 vstupuje do finan\u010dn\u00edho sv\u011bta s kombinac\u00ed opatrn\u00e9ho optimismu a nov\u00fdch v\u00fdzev. Hypot\u00e9ky \u010dek\u00e1 masivn\u00ed vlna refinancov\u00e1n\u00ed, investice budou d\u00e1l ovliv\u0148ovat geopolitika i technologick\u00fd v\u00fdvoj, poji\u0161t\u011bn\u00ed projde sp\u00ed\u0161e evoluc\u00ed ne\u017e revoluc\u00ed a realitn\u00ed trh z\u016fstane siln\u00fd hlavn\u011b ve velk\u00fdch m\u011bstech. Jak\u00fd v\u00fdvoj o\u010dek\u00e1vaj\u00ed na\u0161i specialist\u00e9 FinGO v jednotliv\u00fdch oblastech?<\/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-refinancov-n-tlak-na-sazby-a-dostupnost-bydlen\">Hypot\u00e9ky: refinancov\u00e1n\u00ed, tlak na sazby<\/a><\/li><li class=\"\"><a href=\"#htoc-ivotn-poji-t-n-d-raz-na-dlouhodobou-p-i-a-digitalizaci\">\u017divotn\u00ed poji\u0161t\u011bn\u00ed: d\u016fraz na dlouhodobou p\u00e9\u010di<\/a><\/li><li class=\"\"><a href=\"#htoc-ne-ivotn-poji-t-n-stabiln-v-voj-bez-dramatick-ch-zm-n\">Ne\u017eivotn\u00ed poji\u0161t\u011bn\u00ed: stabiln\u00ed v\u00fdvoj bez dramatick\u00fdch zm\u011bn<\/a><\/li><li class=\"\"><a href=\"#htoc-investice-pozitivn-ale-nerovnom-rn-rok\">Investice: pozitivn\u00ed, ale nerovnom\u011brn\u00fd rok<\/a><\/li><li class=\"\"><a href=\"#htoc-realitn-trh-ceny-porostou-d-l-rozd-ly-se-prohloub\">Realitn\u00ed trh: ceny porostou d\u00e1l, rozd\u00edly se prohloub\u00ed<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-hypot-ky-refinancov-n-tlak-na-sazby-a-dostupnost-bydlen\"><strong>Hypot\u00e9ky: refinancov\u00e1n\u00ed, tlak na sazby<\/strong><\/h3>\n\n\n\n<p>Rok 2026 bude pro <strong>hypot\u00e9ky<\/strong> ve znamen\u00ed v\u00fdrazn\u00e9 vlny <strong>refinancov\u00e1n\u00ed<\/strong>. A\u017e <strong>140 tis\u00edc dom\u00e1cnost\u00ed<\/strong> \u010dek\u00e1 refixace \u00fav\u011br\u016f z let 2020\u20132022, tedy z obdob\u00ed velmi n\u00edzk\u00fdch sazeb. Celkov\u00fd objem refinancovan\u00fdch hypot\u00e9k se odhaduje na <strong>460\u2013500 miliard K\u010d<\/strong>. Pro mnoho dom\u00e1cnost\u00ed to znamen\u00e1 <strong>n\u00e1r\u016fst m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky a\u017e o 40\u201350 %<\/strong>.<\/p>\n\n\n\n<p>Tento v\u00fdvoj z\u00e1rove\u0148 omezuje prostor pro dal\u0161\u00ed pokles <strong>\u00farokov\u00fdch sazeb hypot\u00e9k<\/strong>. Naopak se o\u010dek\u00e1v\u00e1 jejich m\u00edrn\u00fd r\u016fst \u2013 z aktu\u00e1ln\u00edch pr\u016fm\u011brn\u00fdch <strong>4,91 %<\/strong> sm\u011brem k <strong>5 % a v\u00fd\u0161e<\/strong>, zejm\u00e9na u del\u0161\u00edch fixac\u00ed. Na v\u00fdvoj budou m\u00edt vliv i vn\u011bj\u0161\u00ed faktory, p\u0159edev\u0161\u00edm <strong>glob\u00e1ln\u00ed ekonomika<\/strong>, celn\u00ed politika USA a jej\u00ed dopad na Evropu, zejm\u00e9na N\u011bmecko.<\/p>\n\n\n\n<p>U \u010d\u00e1sti n\u00edzkop\u0159\u00edjmov\u00fdch dom\u00e1cnost\u00ed m\u016f\u017ee nastat probl\u00e9m s refinancov\u00e1n\u00edm do jin\u00e9 banky \u2013 bu\u010f kv\u016fli bonit\u011b, nebo kv\u016fli nedostatku vlastn\u00edch prost\u0159edk\u016f na souvisej\u00edc\u00ed n\u00e1klady. I proto se banky v roce 2026 v\u00edce zam\u011b\u0159\u00ed na <strong>udr\u017een\u00ed st\u00e1vaj\u00edc\u00edch klient\u016f<\/strong> a pos\u00edlen\u00ed reten\u010dn\u00edch t\u00fdm\u016f. Nad\u00e1le lze o\u010dek\u00e1vat <strong>ak\u010dn\u00ed nab\u00eddky u kr\u00e1tk\u00fdch fixac\u00ed<\/strong>, dramatick\u00e9 v\u00fdkyvy sazeb se ale nep\u0159edpokl\u00e1daj\u00ed.<\/p>\n\n\n\n<p>Do v\u00fdvoje promluv\u00ed tak\u00e9 <strong>zp\u0159\u00edsn\u011bn\u00ed pravidel \u010cNB od 1. dubna 2026<\/strong> pro <strong>investi\u010dn\u00ed nemovitosti<\/strong>. U t\u0159et\u00ed a dal\u0161\u00ed nemovitosti nebo u nemovitost\u00ed na pron\u00e1jem pot\u00e9 plat\u00ed maxim\u00e1ln\u00ed <strong>LTV 70 %<\/strong> a <strong>DTI 7<\/strong>. Toto opat\u0159en\u00ed se dotkne p\u0159ibli\u017en\u011b <strong>9 % nov\u00fdch hypot\u00e9k<\/strong> a jeho c\u00edlem je sp\u00ed\u0161e ochlazen\u00ed investi\u010dn\u00edho segmentu ne\u017e z\u00e1sah do dostupnosti vlastn\u00edho bydlen\u00ed.<\/p>\n\n\n\n<p>Pozitivn\u00ed zpr\u00e1vou je pl\u00e1novan\u00e1 <strong>podpora mlad\u00fdch rodin do 36 let<\/strong>, a to formou st\u00e1tn\u00ed p\u016fj\u010dky na akontaci a podpory hypote\u010dn\u00ed \u00farokov\u00e9 sazby.<\/p>\n\n\n\n<p><strong>Jana Vaisov\u00e1<\/strong>, specialistka na <strong>hypot\u00e9ky<\/strong>, k v\u00fdhledu \u0159\u00edk\u00e1:<br><em>\u201eRok 2026 bude n\u00e1ro\u010dn\u00fd hlavn\u011b pro dom\u00e1cnosti, kter\u00fdm kon\u010d\u00ed fixace z let extr\u00e9mn\u011b n\u00edzk\u00fdch sazeb. Banky se proto v\u00edce zam\u011b\u0159\u00ed na udr\u017een\u00ed klient\u016f a dostupnost bydlen\u00ed bude \u00fazce nav\u00e1zan\u00e1 na v\u00fdvoj sazeb.\u201c<\/em><\/p>\n\n\n\n<p><strong>Doporu\u010den\u00ed pro rok 2026:<\/strong><strong><br><\/strong>Pokud v\u00e1m v roce 2026 kon\u010d\u00ed fixace, p\u0159ipravte se v\u010das \u2013 rozd\u00edly ve spl\u00e1tk\u00e1ch mohou b\u00fdt v\u00fdrazn\u00e9. U investi\u010dn\u00edch nemovitost\u00ed po\u010d\u00edtejte s p\u0159\u00edsn\u011bj\u0161\u00edmi podm\u00ednkami financov\u00e1n\u00ed.<\/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 hypot\u00e9ku dos\u00e1hnete.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-ivotn-poji-t-n-d-raz-na-dlouhodobou-p-i-a-digitalizaci\"><strong>\u017divotn\u00ed poji\u0161t\u011bn\u00ed: d\u016fraz na dlouhodobou p\u00e9\u010di<\/strong><\/h3>\n\n\n\n<p>V oblasti <strong>\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong> se v roce 2026 neo\u010dek\u00e1v\u00e1 zav\u00e1d\u011bn\u00ed nov\u00fdch rizik. Kl\u00ed\u010dov\u00fdm t\u00e9matem z\u016fst\u00e1v\u00e1 <strong>poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de<\/strong>, kter\u00e9 p\u0159edstavuje jednu z mo\u017enost\u00ed, jak \u0159e\u0161it budouc\u00ed pot\u0159ebu soci\u00e1ln\u00ed p\u00e9\u010de. Toto riziko je ji\u017e od roku 2024 da\u0148ov\u011b uznateln\u00e9, ale zat\u00edm jej nab\u00edz\u00ed pouze \u010d\u00e1st poji\u0161\u0165oven. V roce 2026 se o\u010dek\u00e1v\u00e1, \u017ee se nab\u00eddka roz\u0161\u00ed\u0159\u00ed a poroste i po\u010det klient\u016f, kte\u0159\u00ed si toto poji\u0161t\u011bn\u00ed sjednaj\u00ed.<\/p>\n\n\n\n<p>Siln\u00fdm trendem je tak\u00e9 <strong>digitalizace poji\u0161\u0165oven<\/strong>. Pokra\u010dovat m\u00e1 zav\u00e1d\u011bn\u00ed modern\u00edch IT technologi\u00ed, v\u010detn\u011b <strong>generativn\u00ed um\u011bl\u00e9 inteligence<\/strong>, kter\u00e1 m\u016f\u017ee umo\u017enit jednodu\u0161\u0161\u00ed <strong>samosjedn\u00e1n\u00ed smluv<\/strong>, automatick\u00e9 \u00fapravy poji\u0161t\u011bn\u00ed a rychlej\u0161\u00ed likvidaci pojistn\u00fdch ud\u00e1lost\u00ed.<\/p>\n\n\n\n<p>Trh <strong>\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong> nad\u00e1le roste. D\u016fvodem jsou mimo jin\u00e9 vy\u0161\u0161\u00ed ceny <strong>nemovitost\u00ed<\/strong>, kv\u016fli nim\u017e si klienti berou vy\u0161\u0161\u00ed \u00fav\u011bry a pot\u0159ebuj\u00ed se zajistit na vy\u0161\u0161\u00ed <strong>pojistn\u00e9 \u010d\u00e1stky<\/strong>. Klienti se z\u00e1rove\u0148 v\u00edce soust\u0159ed\u00ed na kryt\u00ed z\u00e1sadn\u00edch zdravotn\u00edch rizik s v\u00e1\u017en\u00fdmi finan\u010dn\u00edmi dopady.<\/p>\n\n\n\n<p><strong>Petr Mot\u00e1\u010dek<\/strong>, odborn\u00edk na <strong>\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong>, dopl\u0148uje:<br><em>\u201eRoste d\u016fraz na kvalitn\u00ed kryt\u00ed kl\u00ed\u010dov\u00fdch rizik a na poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de. Klienti cht\u011bj\u00ed m\u00edt jistotu, \u017ee v p\u0159\u00edpad\u011b v\u00e1\u017en\u00fdch zdravotn\u00edch probl\u00e9m\u016f j<\/em>sou<em> finan\u010dn\u011b chr\u00e1n\u011bni.\u201c<\/em><\/p>\n\n\n\n<p><strong>Doporu\u010den\u00ed pro rok 2026:<\/strong><strong><br><\/strong>Zkontrolujte, zda va\u0161e <strong>\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong> odpov\u00edd\u00e1 v\u00fd\u0161i z\u00e1vazk\u016f a aktu\u00e1ln\u00edm pot\u0159eb\u00e1m rodiny. U dlouhodob\u00e9 p\u00e9\u010de sledujte roz\u0161i\u0159uj\u00edc\u00ed se nab\u00eddku poji\u0161\u0165oven.<\/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 <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\">\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-ne-ivotn-poji-t-n-stabiln-v-voj-bez-dramatick-ch-zm-n\"><strong>Ne\u017eivotn\u00ed poji\u0161t\u011bn\u00ed: stabiln\u00ed v\u00fdvoj bez dramatick\u00fdch zm\u011bn<\/strong><\/h3>\n\n\n\n<p>V oblasti <strong>ne\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong> se v roce 2026 neo\u010dek\u00e1vaj\u00ed z\u00e1sadn\u00ed zm\u011bny v produktech ani cenotvorb\u011b. V\u00fdvoj bude sp\u00ed\u0161e plynul\u00fd a nav\u00e1\u017ee na sou\u010dasn\u00e9 trendy.<\/p>\n\n\n\n<p>U <strong>autopoji\u0161t\u011bn\u00ed<\/strong> budou poji\u0161\u0165ovny d\u00e1l upravovat ceny postupn\u011b, s ohledem na <strong>\u0161kodovost<\/strong> a vysokou citlivost trhu. O\u010dek\u00e1v\u00e1 se r\u016fst pr\u016fm\u011brn\u00e9ho pojistn\u00e9ho zhruba o <strong>3\u20135 %<\/strong>, nikoliv v\u0161ak skokov\u011b.<\/p>\n\n\n\n<p>Tak\u00e9 <strong>majetkov\u00e9 poji\u0161t\u011bn\u00ed<\/strong> projde sp\u00ed\u0161e drobn\u00fdmi \u00fapravami. Poji\u0161\u0165ovny se zam\u011b\u0159\u00ed na vylep\u0161ov\u00e1n\u00ed produkt\u016f p\u0159i zachov\u00e1n\u00ed podobn\u00e9 cenov\u00e9 hladiny. N\u011bkter\u00e9 nov\u00e9 produkty p\u0159ijdou v pr\u016fb\u011bhu roku 2026, zm\u011bny ale nejsou z\u00e1sadn\u00ed.<\/p>\n\n\n\n<p>V oblasti <strong>podnikatelsk\u00e9ho poji\u0161t\u011bn\u00ed<\/strong> se neo\u010dek\u00e1vaj\u00ed velk\u00e9 produktov\u00e9 zm\u011bny, proto\u017ee ji\u017e dnes jde o velmi flexibiln\u00ed produkty. V\u00fdrazn\u011bji se ale projev\u00ed snaha poji\u0161\u0165oven vyu\u017e\u00edt <strong>extern\u00ed distribu\u010dn\u00ed s\u00edt\u011b<\/strong>. Dal\u0161\u00ed novinky se chystaj\u00ed i v oblasti <strong>flotilov\u00e9ho poji\u0161t\u011bn\u00ed<\/strong>.<\/p>\n\n\n\n<p><strong>Tom\u00e1\u0161 Kl\u00e1pa<\/strong>, specialista na <strong>ne\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong>, shrnuje:<br><em>\u201eRok 2026 bude ve znamen\u00ed stability. Poji\u0161\u0165ovny budou ladit detaily, zjednodu\u0161ovat sjedn\u00e1n\u00ed a v\u00edce vyu\u017e\u00edvat extern\u00ed distribu\u010dn\u00ed kan\u00e1ly, nikoliv dramaticky m\u011bnit produkty.\u201c<\/em><\/p>\n\n\n\n<p><strong>Doporu\u010den\u00ed pro rok 2026:<\/strong><strong><br><\/strong>U ne\u017eivotn\u00edho poji\u0161t\u011bn\u00ed se vyplat\u00ed pravideln\u00e1 kontrola smluv \u2013 rozd\u00edly budou sp\u00ed\u0161e v kvalit\u011b a rozsahu kryt\u00ed ne\u017e v cen\u011b.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\ud83d\udc49 <a href=\"https:\/\/www.fingo.cz\/pojisteni-majetku\/rozcestnik\">Poji\u0161t\u011bn\u00ed majetku<\/a> si u n\u00e1s m\u016f\u017eete uzav\u0159\u00edt online.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-investice-pozitivn-ale-nerovnom-rn-rok\"><strong>Investice: pozitivn\u00ed, ale nerovnom\u011brn\u00fd rok<\/strong><\/h3>\n\n\n\n<p>Rok 2026 vstupuje na investi\u010dn\u00ed trhy s pom\u011brn\u011b p\u0159\u00edzniv\u00fdm sentimentem. Podporou jsou investice do <strong>AI<\/strong>, infrastrukturn\u00ed v\u00fddaje a postupn\u00e1 normalizace <strong>inflace<\/strong>. P\u0159esto z\u016fst\u00e1v\u00e1 na m\u00edst\u011b opatrnost \u2013 <strong>geopolitick\u00e9 nap\u011bt\u00ed<\/strong>, fisk\u00e1ln\u00ed tlaky st\u00e1t\u016f a vysok\u00e9 ocen\u011bn\u00ed \u00fazk\u00e9 skupiny technologick\u00fdch titul\u016f mohou udr\u017eovat <strong>volatilitu<\/strong> nad dlouhodob\u00fdm pr\u016fm\u011brem.<\/p>\n\n\n\n<p>Vedle r\u016fstov\u00fdch p\u0159\u00edle\u017eitost\u00ed v oblastech jako <strong>technologie<\/strong>, <strong>zdravotnictv\u00ed<\/strong>, <strong>infrastruktura<\/strong> nebo vybran\u00e9 <strong>small a mid caps <\/strong>bude kl\u00ed\u010dov\u00e1 <strong>selektivita<\/strong> a d\u016fsledn\u00e9 \u0159\u00edzen\u00ed rizik. V\u00fdznamnou roli budou i nad\u00e1le hr\u00e1t <strong>dluhopisy<\/strong> \u2013 zejm\u00e9na kvalitn\u00ed st\u00e1tn\u00ed dluhopisy USA a \u010cR. Nejde prim\u00e1rn\u011b o r\u016fst jejich ceny, ale o stabiln\u00ed <strong>kup\u00f3nov\u00fd v\u00fdnos<\/strong>, kter\u00fd funguje jako stabiliz\u00e1tor portfolia.<\/p>\n\n\n\n<p>Z\u00e1sadn\u00ed z\u016fst\u00e1v\u00e1 <strong>diverzifikace<\/strong> \u2013 nap\u0159\u00ed\u010d t\u0159\u00eddami aktiv, regiony, sektory i m\u011bnami. <strong>Zlato<\/strong> a <strong>Bitcoin<\/strong> mohou m\u00edt m\u00edsto pouze jako dopln\u011bk v mal\u00e9 v\u00e1ze, s pln\u00fdm v\u011bdom\u00edm jejich volatility.<\/p>\n\n\n\n<p><strong>Ji\u0159\u00ed Fajt<\/strong>, investi\u010dn\u00ed specialista FinGO, to shrnuje jasn\u011b:<br><em>\u201eRok 2026 m\u016f\u017ee b\u00fdt pozitivn\u00ed, ale nerovnom\u011brn\u00fd. Vyhr\u00e1vat bude kvalita, discipl\u00edna, diverzifikace a dlouhodob\u011b konzistentn\u00ed investi\u010dn\u00ed pl\u00e1n.\u201c<\/em><\/p>\n\n\n\n<p><strong>V\u00fdhled pro rok 2026:<\/strong><strong><br><\/strong>Dr\u017ete se strategie, pravideln\u011b <strong>rebalancujte<\/strong>, investujte postupn\u011b a nepodl\u00e9hejte kr\u00e1tkodob\u00fdm emoc\u00edm.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\ud83d\udc49 Vyzkou\u0161ejte na\u0161i <a href=\"https:\/\/www.fingo.cz\/investice\">kalkula\u010dku investic<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-realitn-trh-ceny-porostou-d-l-rozd-ly-se-prohloub\"><strong>Realitn\u00ed trh: ceny porostou d\u00e1l, rozd\u00edly se prohloub\u00ed<\/strong><\/h3>\n\n\n\n<p>V\u00fdhled na <strong>realitn\u00ed trh v roce 2026<\/strong> po\u010d\u00edt\u00e1 s dal\u0161\u00edm r\u016fstem cen <strong>reziden\u010dn\u00edch nemovitost\u00ed<\/strong> o <strong>5\u201310 %<\/strong> meziro\u010dn\u011b. Hlavn\u00edm d\u016fvodem z\u016fst\u00e1v\u00e1 siln\u00e1 popt\u00e1vka, kter\u00e1 dlouhodob\u011b p\u0159evy\u0161uje nab\u00eddku. Nab\u00eddka novostaveb sice m\u00edrn\u011b poroste (cca o 2\u20133 %), ale pomal\u00e9 stavebn\u00ed \u0159\u00edzen\u00ed a nedostatek pozemk\u016f udr\u017e\u00ed tlak na ceny, zejm\u00e9na v <strong>Praze a Brn\u011b<\/strong>.<\/p>\n\n\n\n<p>Investi\u010dn\u00ed byty u\u017e nebudou \u201eautomaticky v\u00fdhodnou\u201c investic\u00ed. Vysok\u00e9 po\u0159izovac\u00ed ceny sni\u017euj\u00ed \u010dist\u00fd v\u00fdnos \u2013 v Praze a Brn\u011b \u010dasto jen na <strong>1,5\u20133 %<\/strong> ro\u010dn\u011b. Lep\u0161\u00ed v\u00fdnosy (a\u017e <strong>6\u20138 %<\/strong>) se mohou objevit v men\u0161\u00edch m\u011bstech nebo na venkov\u011b. Svou roli sehraje i zp\u0159\u00edsn\u011bn\u00ed podm\u00ednek <strong>\u010cNB<\/strong> pro investi\u010dn\u00ed hypot\u00e9ky od dubna 2026.<\/p>\n\n\n\n<p>V oblasti <strong>n\u00e1jemn\u00edho bydlen\u00ed<\/strong> se o\u010dek\u00e1v\u00e1 r\u016fst n\u00e1jm\u016f o <strong>5\u20138 %<\/strong>, v atraktivn\u00edch lokalit\u00e1ch i kolem <strong>10 %<\/strong>. Nab\u00eddka nemovitost\u00ed k prodeji poroste jen m\u00edrn\u011b a z\u016fstane nedostate\u010dn\u00e1 v\u016f\u010di popt\u00e1vce. Ve druh\u00e9 polovin\u011b roku 2026 by v\u0161ak mohlo doj\u00edt k \u010d\u00e1ste\u010dn\u00e9mu uvoln\u011bn\u00ed trhu vlivem omezen\u00ed investi\u010dn\u00edch n\u00e1kup\u016f.<\/p>\n\n\n\n<p><strong>Jakub Ryba<\/strong>, specialista na <strong>nemovitosti<\/strong>, \u0159\u00edk\u00e1:<br><em>\u201eRok 2026 bude op\u011bt o lokalit\u011b. Ceny porostou hlavn\u011b tam, kde je dlouhodob\u00fd nedostatek nab\u00eddky. Investo\u0159i budou muset po\u010d\u00edtat s ni\u017e\u0161\u00edmi v\u00fdnosy a p\u0159\u00edsn\u011bj\u0161\u00edmi podm\u00ednkami financov\u00e1n\u00ed.\u201c<\/em><\/p>\n\n\n\n<p><strong>Doporu\u010den\u00ed pro rok 2026:<\/strong><strong><br><\/strong>Kupuj\u00edc\u00ed by m\u011bli zva\u017eovat men\u0161\u00ed m\u011bsta a okol\u00ed velk\u00fdch center, prod\u00e1vaj\u00edc\u00edm se u byt\u016f otev\u00edr\u00e1 prostor pro vyjedn\u00e1v\u00e1n\u00ed o cen\u011b.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\ud83d\udc49 Zjist\u011bte <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\/odhad-nemovitosti\">aktu\u00e1ln\u00ed cenu nemovitosti<\/a> online a zdarma.<\/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 2026 vstupuje do finan\u010dn\u00edho sv\u011bta s kombinac\u00ed opatrn\u00e9ho optimismu a nov\u00fdch v\u00fdzev. Hypot\u00e9ky \u010dek\u00e1 masivn\u00ed vlna refinancov\u00e1n\u00ed, investice budou d\u00e1l ovliv\u0148ovat geopolitika i technologick\u00fd v\u00fdvoj, poji\u0161t\u011bn\u00ed projde sp\u00ed\u0161e evoluc\u00ed ne\u017e revoluc\u00ed a realitn\u00ed trh z\u016fstane siln\u00fd hlavn\u011b ve velk\u00fdch m\u011bstech. Jak\u00fd v\u00fdvoj o\u010dek\u00e1vaj\u00ed na\u0161i specialist\u00e9 FinGO v jednotliv\u00fdch oblastech? Hypot\u00e9ky: refinancov\u00e1n\u00ed, tlak na sazby Rok 2026 bude pro hypot\u00e9ky ve znamen\u00ed v\u00fdrazn\u00e9 vlny refinancov\u00e1n\u00ed. A\u017e 140 tis\u00edc dom\u00e1cnost\u00ed \u010dek\u00e1 refixace \u00fav\u011br\u016f z let 2020\u20132022, tedy z obdob\u00ed velmi n\u00edzk\u00fdch sazeb. Celkov\u00fd objem refinancovan\u00fdch hypot\u00e9k se odhaduje na 460\u2013500 miliard K\u010d. Pro mnoho dom\u00e1cnost\u00ed to znamen\u00e1 n\u00e1r\u016fst m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky a\u017e o 40\u201350 %. Tento v\u00fdvoj z\u00e1rove\u0148 omezuje prostor pro dal\u0161\u00ed pokles \u00farokov\u00fdch sazeb hypot\u00e9k. Naopak se o\u010dek\u00e1v\u00e1 jejich m\u00edrn\u00fd r\u016fst \u2013 z aktu\u00e1ln\u00edch pr\u016fm\u011brn\u00fdch 4,91 % sm\u011brem k 5 % a v\u00fd\u0161e, zejm\u00e9na u del\u0161\u00edch fixac\u00ed. Na v\u00fdvoj budou m\u00edt vliv i vn\u011bj\u0161\u00ed faktory, p\u0159edev\u0161\u00edm glob\u00e1ln\u00ed ekonomika, celn\u00ed politika USA a jej\u00ed dopad na Evropu, zejm\u00e9na N\u011bmecko. U \u010d\u00e1sti n\u00edzkop\u0159\u00edjmov\u00fdch dom\u00e1cnost\u00ed m\u016f\u017ee nastat probl\u00e9m s refinancov\u00e1n\u00edm do jin\u00e9 banky \u2013 bu\u010f kv\u016fli bonit\u011b, nebo kv\u016fli nedostatku vlastn\u00edch prost\u0159edk\u016f na souvisej\u00edc\u00ed n\u00e1klady. I proto se banky v roce 2026 v\u00edce zam\u011b\u0159\u00ed na udr\u017een\u00ed st\u00e1vaj\u00edc\u00edch klient\u016f a pos\u00edlen\u00ed reten\u010dn\u00edch t\u00fdm\u016f. Nad\u00e1le lze [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":2789,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[141,16,187,169,188,27],"class_list":["post-2785","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-osobni-finance","tag-autopojisteni","tag-investice","tag-majetkove-pojisteni","tag-nemovitosti","tag-vyhled","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>Finan\u010dn\u00ed poradenstv\u00ed: v\u00fdhled 2026 - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Finan\u010dn\u00ed poradenstv\u00ed v roce 2026: jak\u00fd v\u00fdvoj \u010dek\u00e1 hypot\u00e9ky, poji\u0161t\u011bn\u00ed, investice a realitn\u00ed trh, na co se p\u0159ipravit?\" \/>\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\/vyhled-na-rok-ve-financnim-poradenstvi\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"V\u00fdhled na rok 2026 ve finan\u010dn\u00edm poradenstv\u00ed\" \/>\n<meta property=\"og:description\" content=\"Finan\u010dn\u00ed poradenstv\u00ed v roce 2026: jak\u00fd v\u00fdvoj \u010dek\u00e1 hypot\u00e9ky, poji\u0161t\u011bn\u00ed, investice a realitn\u00ed trh, na co se p\u0159ipravit?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.cz\/blog\/vyhled-na-rok-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=\"2026-01-12T12:09:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-12T12:10:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/01\/financni_poradenstvi_vyhled_26.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=\"7 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/vyhled-na-rok-ve-financnim-poradenstvi\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/vyhled-na-rok-ve-financnim-poradenstvi\\\/\"},\"author\":{\"name\":\"Alena Ludvikov\u00e1\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/person\\\/166bf004e062bafb98a20277a0200919\"},\"headline\":\"V\u00fdhled na rok 2026 ve finan\u010dn\u00edm poradenstv\u00ed\",\"datePublished\":\"2026-01-12T12:09:37+00:00\",\"dateModified\":\"2026-01-12T12:10:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/vyhled-na-rok-ve-financnim-poradenstvi\\\/\"},\"wordCount\":1717,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/vyhled-na-rok-ve-financnim-poradenstvi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/financni_poradenstvi_vyhled_26.png\",\"keywords\":[\"autopoji\u0161t\u011bn\u00ed\",\"investice\",\"majetkov\u00e9 poji\u0161t\u011bn\u00ed\",\"nemovitosti\",\"v\u00fdhled\",\"\u017eivotn\u00ed poji\u0161t\u011bn\u00ed\"],\"articleSection\":[\"Osobn\u00ed finance\"],\"inLanguage\":\"cs\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/vyhled-na-rok-ve-financnim-poradenstvi\\\/\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/vyhled-na-rok-ve-financnim-poradenstvi\\\/\",\"name\":\"Finan\u010dn\u00ed poradenstv\u00ed: v\u00fdhled 2026 - 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