[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.acorde.cz\/proc-jsou-urokove-sazby-hypotek-tak-vysoke\/#Article","mainEntityOfPage":"https:\/\/www.acorde.cz\/proc-jsou-urokove-sazby-hypotek-tak-vysoke\/","headline":"Pro\u010d jsou \u00farokov\u00e9 sazby hypot\u00e9k tak vysok\u00e9","name":"Pro\u010d jsou \u00farokov\u00e9 sazby hypot\u00e9k tak vysok\u00e9","description":"O tom, \u017ee lid\u00e9 pot\u0159ebuj\u00ed st\u0159echu nad hlavou, nem\u016f\u017ee b\u00fdt \u017e\u00e1dn\u00fdch pochyb. Plat\u00ed to zvl\u00e1\u0161t\u011b v zim\u011b, kdy teploty v noci mohou klesnout i pom\u011brn\u011b hluboko pod bod nuly. Trendem v na\u0161\u00ed zemi je pak bydlet ve vlastn\u00edm, nikoliv nap\u0159\u00edklad v n\u00e1jmu \u010di podn\u00e1jmu. Je to p\u0159edev\u0161\u00edm kv\u016fli jistot\u011b, \u017ee nem\u016f\u017eeme b\u00fdt vyst\u011bhov\u00e1n\u00ed, a tak\u00e9 proto\u017ee si m\u016f\u017eeme bydlen\u00ed upravit […]","datePublished":"2025-11-05","dateModified":"2025-11-05","author":{"@type":"Person","@id":"https:\/\/www.acorde.cz\/author\/#Person","name":"","url":"https:\/\/www.acorde.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/3c4e99fa9a9806cd5e8fd7cac6ca73ff5bbf5f3ee309e1745415eebd31482909?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/3c4e99fa9a9806cd5e8fd7cac6ca73ff5bbf5f3ee309e1745415eebd31482909?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"acorde.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.acorde.cz\/wp-content\/uploads\/hypoteka8_10_5.jpg","url":"https:\/\/www.acorde.cz\/wp-content\/uploads\/hypoteka8_10_5.jpg","height":0,"width":0},"url":"https:\/\/www.acorde.cz\/proc-jsou-urokove-sazby-hypotek-tak-vysoke\/","about":["Finance"],"wordCount":410,"articleBody":"       O tom, \u017ee lid\u00e9 pot\u0159ebuj\u00ed st\u0159echu nad hlavou, nem\u016f\u017ee b\u00fdt \u017e\u00e1dn\u00fdch pochyb. Plat\u00ed to zvl\u00e1\u0161t\u011b v zim\u011b, kdy teploty v noci mohou klesnout i pom\u011brn\u011b hluboko pod bod nuly. Trendem v na\u0161\u00ed zemi je pak bydlet ve vlastn\u00edm, nikoliv nap\u0159\u00edklad v n\u00e1jmu \u010di podn\u00e1jmu. Je to p\u0159edev\u0161\u00edm kv\u016fli jistot\u011b, \u017ee nem\u016f\u017eeme b\u00fdt vyst\u011bhov\u00e1n\u00ed, a tak\u00e9 proto\u017ee si m\u016f\u017eeme bydlen\u00ed upravit naprosto podle sv\u00e9ho vkusu (samoz\u0159ejm\u011b v r\u00e1mci platn\u00fdch z\u00e1kon\u016f). Je v\u0161ak pravdou, \u017ee ceny nemovitost\u00ed nejsou zrovna n\u00edzk\u00e9, a neust\u00e1le stoupaj\u00ed.Je tedy pochopiteln\u00e9, \u017ee v\u011bt\u0161ina z n\u00e1s nebude m\u00edt k dispozici dostatek pen\u011bz, abychom si je mohli koupit. Plat\u00ed to zejm\u00e9na o mlad\u00fdch lidech, kte\u0159\u00ed si je\u0161t\u011b nemohli z pochopiteln\u00fdch d\u016fvod\u016f na\u0161et\u0159it. Mus\u00ed tedy naj\u00edt jin\u00fd zp\u016fsob financov\u00e1n\u00ed \u2013 a t\u00edm je zdaleka nej\u010dast\u011bji hypot\u00e9ka, \u00fa\u010delov\u00e1 p\u016fj\u010dka ur\u010den\u00e1 pr\u00e1v\u011b na n\u00e1kup nemovitosti. Ov\u0161em jako u ka\u017ed\u00e9 jin\u00e9 p\u016fj\u010dky i zde plat\u00ed, \u017ee sou\u010d\u00e1st\u00ed spl\u00e1tek jsou i \u00faroky. P\u0159eci jen, je pochopiteln\u00e9, \u017ee i poskytovatel mus\u00ed na t\u00e9to slu\u017eb\u011b vyd\u011blat, a pr\u00e1v\u011b \u00faroky a jin\u00e9 poplatky jsou zp\u016fsobem, jak toho dos\u00e1hnout. Pravdou ov\u0161em je, \u017ee \u00farokov\u00e9 sazby hypot\u00e9k neb\u00fdvaj\u00ed zrovna nejni\u017e\u0161\u00ed. Je proto pochopiteln\u00e9, \u017ee se lid\u00e9 ptaj\u00ed, pro\u010d tomu tak je.D\u016fvod je zde pom\u011brn\u011b jednoduch\u00fd \u2013 poskytovatel chce co nejv\u00edce vyd\u011blat, a zkr\u00e1tka vyu\u017e\u00edvaj\u00ed sou\u010dasn\u00e9 situace na trhu. V\u011bd\u00ed toti\u017e velmi dob\u0159e, \u017ee lid\u00e9 tou\u017e\u00ed po vlastn\u00edm bydlen\u00ed, av\u0161ak ceny nemovitost\u00ed jsou vysok\u00e9. To jim pak umo\u017e\u0148uje zvy\u0161ovat \u00farokov\u00e9 sazby, nebo\u0165 v\u011bd\u00ed, \u017ee lidem, kte\u0159\u00ed cht\u011bj\u00ed bydlet ve vlastn\u00edm, v podstat\u011b nezbude nic jin\u00e9ho, ne\u017e tuto situaci akceptovat. Samoz\u0159ejm\u011b funguje i konkurence, a v reklam\u00e1ch vid\u00edme, jak se p\u0159edh\u00e1n\u00ed v tom, kdo n\u00e1m nab\u00eddne nejni\u017e\u0161\u00ed \u00farok. Zd\u00e1lo by se tedy, \u017ee se situace lep\u0161\u00ed, ov\u0161em tak tomu nen\u00ed. Jist\u011b, sn\u00ed\u017e\u00ed se z\u00e1kladn\u00ed \u00farokov\u00e1 sazba, av\u0161ak naopak zv\u00fd\u0161\u00ed r\u016fzn\u00e9 poplatky, a celkov\u00e9 RSPN tak vzroste. Proto bychom p\u0159i sjedn\u00e1v\u00e1n\u00ed hypot\u00e9ky m\u011bli d\u00e1vat pozor i na toto.                                                                                                                                                                                                                                                                                                                                                                                          4.7\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d jsou \u00farokov\u00e9 sazby hypot\u00e9k tak vysok\u00e9","item":"https:\/\/www.acorde.cz\/proc-jsou-urokove-sazby-hypotek-tak-vysoke\/#breadcrumbitem"}]}]