{"id":3850,"date":"2023-10-12T14:02:28","date_gmt":"2023-10-12T12:02:28","guid":{"rendered":"https:\/\/www.homeportal.cz\/?p=3850"},"modified":"2026-07-03T15:57:49","modified_gmt":"2026-07-03T13:57:49","slug":"recept-developeru-na-hypotecni-krizi-odlozene-hypoteky-a-garantovane-sazby","status":"publish","type":"post","link":"https:\/\/www.homeportal.cz\/cs\/recept-developeru-na-hypotecni-krizi-odlozene-hypoteky-a-garantovane-sazby\/","title":{"rendered":"Recept developer\u016f na hypote\u010dn\u00ed krizi: odlo\u017een\u00e9 hypot\u00e9ky a garantovan\u00e9 sazby"},"content":{"rendered":"\n

Home Portal <\/a>pro\u0161el aktu\u00e1ln\u00ed nab\u00eddku bezm\u00e1la stovky developersk\u00fdch projekt\u016f a zam\u011b\u0159il se na financov\u00e1n\u00ed n\u00e1kupu nemovitost\u00ed. V\u00fdsledkem jsou dv\u011b nej\u010dast\u011bj\u0161\u00ed cesty, kter\u00fdmi develope\u0159i cht\u011bj\u00ed d\u0159\u00edve ukon\u010dit sou\u010dasnou hypote\u010dn\u00ed krizi. Oba p\u0159\u00edstupy ukazuj\u00ed, \u017ee nakupuj\u00edc\u00ed s hypot\u00e9kami na trhu st\u00e1le chyb\u00ed a develope\u0159i se jim sna\u017e\u00ed slo\u017eitou situaci usnadnit.<\/strong><\/p>\n\n\n\n

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V reakci na p\u0159etrv\u00e1vaj\u00edc\u00ed vysok\u00e9 \u00farokov\u00e9 sazby se develope\u0159i v t\u00e9m\u011b\u0159 40 % p\u0159\u00edpad\u016f<\/strong> rozhodli ke zm\u011bn\u011b spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e na sv\u00e9m projektu<\/a>. Nam\u00edsto typick\u00e9ho pr\u016fb\u011b\u017en\u00e9ho financov\u00e1n\u00ed <\/a>d\u00e1vaj\u00ed nyn\u00ed klient\u016fm mo\u017enost slo\u017eit pouze desetinu z celkov\u00e9 ceny nemovitosti a zb\u00fdvaj\u00edc\u00ed \u010d\u00e1st doplatit a\u017e po jej\u00edm dokon\u010den\u00ed.<\/strong> D\u00edky tomu si mohou kupuj\u00edc\u00ed odlo\u017eit hypot\u00e9ku<\/a><\/strong> <\/a>na pozd\u011bji o jeden a\u017e dva roky<\/strong>, kdy budou sazby velmi pravd\u011bpodobn\u011b p\u0159\u00edzniv\u011bj\u0161\u00ed. Vedle toho se \u010dasto objevuje je\u0161t\u011b druh\u00e1 alternativa, kterou tvo\u0159\u00ed tzv. garantovan\u00e9 hypot\u00e9ky, kdy developer po ur\u010ditou dobu dotuje vysok\u00e9 spl\u00e1tky.<\/p>\n<\/div>\n\n\n\n

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\"\"<\/figure>\n<\/div>\n<\/div>\n\n\n\n

\u201eP\u0159ed sou\u010dasnou hypote\u010dn\u00ed kriz\u00ed klienti \u010dasto platili spl\u00e1tky pr\u016fb\u011b\u017en\u011b dle toho, jak prob\u00edhala v\u00fdstavba projektu \u2013 kup\u0159\u00edkladu typick\u00e9 bylo rozd\u011blen\u00ed 20, 30, 30 a 20 procent z hodnoty nemovitosti<\/a>. Develope\u0159i jsou nyn\u00ed ov\u0161em mnohem benevolentn\u011bj\u0161\u00ed a klient\u016fm tak sta\u010d\u00ed p\u0159i podpisu smlouvy o smlouv\u011b budouc\u00ed kupn\u00ed slo\u017eit pouze 10 % z vlastn\u00edch prost\u0159edk\u016f a hypot\u00e9ku na zb\u00fdvaj\u00edc\u00edch 90 % si vz\u00edt a\u017e za rok \u010di dva, kdy bude situace s \u00farokov\u00fdmi sazbami pravd\u011bpodobn\u011b lep\u0161\u00ed ne\u017e dnes,<\/em>\u201c.<\/p>\n\n\n

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V\u011bt\u0161ina velk\u00fdch developer\u016f nab\u00edz\u00ed tak\u00e9 garantovanou hypote\u010dn\u00ed sazbu<\/a><\/strong>, kdy defacto oproti bance dorovn\u00e1vaj\u00ed kupuj\u00edc\u00edm hypote\u010dn\u00ed spl\u00e1tku po dobou 2\u20133 let. Za tuto dobu m\u016f\u017ee rozd\u00edl \u010dinit klidn\u011b i ni\u017e\u0161\u00ed stovky tis\u00edc korun, kter\u00e9 kupuj\u00edc\u00ed z\u00edskaj\u00ed takto od developera. V p\u0159\u00edpad\u011b, kdy by spl\u00e1tka na 6 % sazbu \u010dinila nap\u0159\u00edklad 30 000 K\u010d m\u011bs\u00ed\u010dn\u011b a na 2,99 % 20 000 K\u010d m\u011bs\u00ed\u010dn\u011b, developer klientovi vr\u00e1t\u00ed rozd\u00edl za 2\u20133 roky spl\u00e1cen\u00ed \u2013 v tomto konkr\u00e9tn\u00edm p\u0159\u00edkladu tedy 240\u2013360 tis\u00edc K\u010d.<\/p>\n\n\n\n

\u201eV Home Portal z p\u0159ibli\u017en\u011b stovky developersk\u00fdch projekt\u016f evidujeme p\u011btinu (23 %) s dotovanou hypot\u00e9kou od developera. Zbyl\u00e9 projekty pak nab\u00edzej\u00ed jin\u00e9 typy pob\u00eddek, nejen odlo\u017eenou hypot\u00e9ku, ale i r\u016fzn\u00e9 slevy na vybaven\u00ed. P\u0159ibli\u017en\u011b t\u0159etina projekt\u016f pak nenab\u00edz\u00ed \u017e\u00e1dn\u00e9 pob\u00eddky,\u201c<\/em>.<\/p>\n\n\n\n

\u017de pob\u00eddky tohoto typu mohou fungovat sleduje Home Portal i na zv\u00fd\u0161en\u00e9 popt\u00e1vce u projekt\u016f, kter\u00e9 odlo\u017eenou hypot\u00e9ku \u010di v\u00fdhodn\u011bj\u0161\u00ed sazby nab\u00edz\u00ed. Mezi aktu\u00e1ln\u011b obl\u00edben\u00e9 projekty na na\u0161em webu, kter\u00e9 nab\u00edzej\u00ed zv\u00fdhodn\u011bn\u00e9 financov\u00e1n\u00ed, m\u016f\u017eeme za\u0159adit nap\u0159\u00edklad Mod\u0159ansk\u00fd cukrovar<\/strong><\/a>, Nov\u00e1 Kn\u011b\u017e\u00edvka<\/strong><\/a>, \u010di Rezidence Maroldka<\/strong><\/a>.<\/p>\n\n\n\n

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Vzorov\u00fd p\u0159\u00edklad koup\u011b bytu s odlo\u017eenou hypot\u00e9kou<\/strong><\/h3>\n<\/div><\/div>\n\n\n\n
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\"\"<\/a><\/figure><\/div><\/div><\/div>\n<\/div>\n\n\n\n
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Byt 2+kk v projektu Mod\u0159ansk\u00fd cukrovar<\/strong><\/p>\n\n\n\n

cena: 5 860 000 K\u010d<\/p>\n\n\n\n

pl\u00e1novan\u00e9 nast\u011bhov\u00e1n\u00ed: jaro 2026<\/p>\n<\/div>\n<\/div>\n\n\n\n

Pro jeho po\u0159\u00edzen\u00ed V\u00e1m nyn\u00ed<\/strong> sta\u010d\u00ed jen 10% z ceny bytu<\/strong> – p\u0159i podpisu SOSBK<\/a> zaplat\u00edte 586 000 K\u010d<\/strong><\/p>\n\n\n\n

Na zb\u00fdvaj\u00edc\u00ed financov\u00e1n\u00ed bytu budete \u010derpat hypot\u00e9ku – tu si m\u016f\u017eete vy\u0159\u00eddit a\u017e p\u0159ed<\/strong> dokon\u010den\u00edm projektu<\/strong> (konec roku 2025), kdy budou sazby pravd\u011bpodobn\u011b p\u0159\u00edzniv\u011bj\u0161\u00ed.<\/p>\n\n\n\n

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Z\u00edskat nab\u00eddku<\/a><\/div>\n<\/div>\n\n\n\n
<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

Home Portal pro\u0161el aktu\u00e1ln\u00ed nab\u00eddku bezm\u00e1la stovky developersk\u00fdch projekt\u016f a zam\u011b\u0159il se na financov\u00e1n\u00ed n\u00e1kupu nemovitost\u00ed. V\u00fdsledkem jsou dv\u011b nej\u010dast\u011bj\u0161\u00ed cesty, kter\u00fdmi develope\u0159i cht\u011bj\u00ed d\u0159\u00edve ukon\u010dit sou\u010dasnou hypote\u010dn\u00ed krizi. Oba p\u0159\u00edstupy ukazuj\u00ed, \u017ee nakupuj\u00edc\u00ed s hypot\u00e9kami na trhu st\u00e1le chyb\u00ed a develope\u0159i se jim sna\u017e\u00ed slo\u017eitou situaci usnadnit. V reakci na p\u0159etrv\u00e1vaj\u00edc\u00ed vysok\u00e9 \u00farokov\u00e9 sazby…<\/p>\n","protected":false},"author":4,"featured_media":3854,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3850","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/posts\/3850","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/comments?post=3850"}],"version-history":[{"count":28,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/posts\/3850\/revisions"}],"predecessor-version":[{"id":16886,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/posts\/3850\/revisions\/16886"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/media\/3854"}],"wp:attachment":[{"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/media?parent=3850"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/categories?post=3850"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/tags?post=3850"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}