{"id":332,"date":"2021-01-13T12:36:05","date_gmt":"2021-01-13T11:36:05","guid":{"rendered":"http:\/\/apenize.cz\/?p=332"},"modified":"2021-01-13T12:36:07","modified_gmt":"2021-01-13T11:36:07","slug":"az-80-lidi-si-mysli-ze-se-jim-zhorsil-pristup-k-hypotekam","status":"publish","type":"post","link":"https:\/\/apenize.cz\/?p=332","title":{"rendered":"A\u017e 80% lid\u00ed si mysl\u00ed, \u017ee se jim zhor\u0161il p\u0159\u00edstup k hypot\u00e9k\u00e1m"},"content":{"rendered":"\n

A\u017e 80% lid\u00ed na Slovensku si mysl\u00ed, \u017ee vlivem koronakr\u00edzy a zp\u0159\u00edsn\u011bn\u00fdch opat\u0159en\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky m\u016f\u017ee b\u00fdt jejich cesta k hypot\u00e9ce mnohem komplikovan\u011bj\u0161\u00ed, ne\u017e kdyby si vy\u0159izovali \u00fav\u011br loni.
Navzdory t\u011bmto obav\u00e1m polovina klient\u016f i b\u011bhem pandemie z\u00edskala \u00fav\u011br bez v\u011bt\u0161\u00edch pot\u00ed\u017e\u00ed a jen p\u011btina se zaj\u00edmala o odklad spl\u00e1tek. Vypl\u00fdv\u00e1 to z nejnov\u011bj\u0161\u00edho pr\u016fzkumu spole\u010dnosti FinGO.sk. Do pr\u016fzkumu se v \u0159\u00edjnu tohoto roku zapojilo v\u00edce ne\u017e 100 finan\u010dn\u00edch zprost\u0159edkovatel\u016f a hypote\u010dn\u00edch specialist\u016f z cel\u00e9ho Slovenska.<\/p>\n\n\n\n

I p\u0159es nep\u0159\u00edzniv\u00e9 epidemiologick\u00e9 situaci a hroz\u00edc\u00ed ekonomick\u00e9 krizi zprost\u0159edkovatel\u00e9 eviduj\u00ed st\u00e1le velk\u00fd z\u00e1jem o \u00fav\u011bry na bydlen\u00ed. „Nejv\u00edce \u010dasu se makl\u00e9\u0159i v\u011bnovali hled\u00e1n\u00ed vhodn\u00e9ho \u0159e\u0161en\u00ed, nebo\u0165 omezen\u00ed v poskytov\u00e1n\u00ed \u00fav\u011br\u016f se dotkly v\u00edce ne\u017e poloviny klient\u016f. Na druh\u00e9 stran\u011b, t\u00e9m\u011b\u0159 stejn\u00e1 \u010d\u00e1st klient\u016f z\u00edskala \u00fav\u011br bez v\u011bt\u0161\u00edch obt\u00ed\u017e\u00ed a svou hypot\u00e9ku na koupi \u010di v\u00fdstavbu nemovitosti vybavili ani\u017e poc\u00edtili n\u011bjak\u00fd diskomfort, „popisuje \u0159editelka pro \u00fav\u011bry ve FinGO.sk Eva \u0160avlov\u00e1.<\/p>\n\n\n\n

V pr\u016fzkumu z\u00e1rove\u0148 46% makl\u00e9\u0159\u016f uvedlo, \u017ee jejich oslovili klienti s po\u017eadavkem na refinancov\u00e1n\u00ed \u010di slou\u010den\u00ed \u00fav\u011br\u016f s c\u00edlem sn\u00ed\u017een\u00ed m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f. „Koronakr\u00edza p\u0159inesla i t\u00e9mata jako pokles p\u0159\u00edjmu nebo neschopnost spl\u00e1cet \u00fav\u011bry. Odklad spl\u00e1tek s klienty \u0159e\u0161ila jen p\u011btina makl\u00e9\u0159\u016f,“ hodnot\u00ed \u0160avlov\u00e1.
Podle jej\u00edch slov bylo nejv\u011bt\u0161\u00edm probl\u00e9mem v bank\u00e1ch akceptov\u00e1n\u00ed p\u0159\u00edjmu klient\u016f. „Ti, kte\u0159\u00ed neprok\u00e1zali dostate\u010dn\u00fd p\u0159\u00edjem p\u0159i sou\u010dasn\u00fdch zp\u0159\u00edsn\u011bn\u00fdch podm\u00ednk\u00e1ch bank, odlo\u017eili pod\u00e1n\u00ed \u017e\u00e1dosti o \u00fav\u011br na pozd\u011bji. Druh\u00fdm nejpreferovan\u011bj\u0161\u00edm \u0159e\u0161en\u00edm bylo zalo\u017een\u00ed dal\u0161\u00ed nemovitosti v bance. D\u00edky dodate\u010dn\u00e9mu ru\u010den\u00ed p\u0159ev\u00e1\u017en\u011b rodi\u010dovskou nemovitost\u00ed mohl b\u00fdt \u017eadatelem poskytnut\u00fd \u00fav\u011br v dostate\u010dn\u00e9 v\u00fd\u0161i,“ p\u0159ibl\u00ed\u017eila \u0160avlov\u00e1.<\/p>\n\n\n\n

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

Polovina \u017eadatel\u016f o nov\u00fd \u00fav\u011br m\u011bla p\u0159\u00edli\u0161 vysok\u00e9 st\u00e1vaj\u00edc\u00ed spl\u00e1tky a pro n\u011b bylo nejvhodn\u011bj\u0161\u00ed nejd\u0159\u00edve p\u0159ehodnotit sou\u010dasn\u00e9 \u00fav\u011bry a a\u017e potom \u0159e\u0161it novou hypot\u00e9ku. Refinancov\u00e1n\u00edm \u00fav\u011br\u016f se jim poda\u0159ilo v\u00fdrazn\u011b sn\u00ed\u017eit m\u011bs\u00ed\u010dn\u00ed v\u00fddaje, a t\u00edm z\u00edskat prostor na nov\u00e9 \u00fav\u011brov\u00e1n\u00ed. O n\u011bco m\u00e9n\u011b vyu\u017e\u00edvanou mo\u017enost\u00ed bylo p\u0159istoupen\u00ed spoludlu\u017en\u00edka k \u00fav\u011bru a je\u0161t\u011b m\u00e9n\u011b lid\u00ed se rozhodlo odlo\u017eit ot\u00e1zku bydlen\u00ed na pozd\u011bji s t\u00edm, \u017ee si chyb\u011bj\u00edc\u00ed \u010d\u00e1stku dospor\u00ed. „Nejm\u00e9n\u011b lid\u00ed (18%) se p\u0159i komplikac\u00edch se schv\u00e1len\u00edm \u00fav\u011bru rozhodlo p\u0159ehodnotit sv\u016fj z\u00e1m\u011br a koupit levn\u011bj\u0161\u00ed nemovitost, tedy \u010derpat ni\u017e\u0161\u00ed hypot\u00e9ku,“ dodala odbornice.<\/p>\n","protected":false},"excerpt":{"rendered":"

A\u017e 80% lid\u00ed na Slovensku si mysl\u00ed, \u017ee vlivem koronakr\u00edzy a zp\u0159\u00edsn\u011bn\u00fdch opat\u0159en\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky m\u016f\u017ee b\u00fdt jejich cesta k hypot\u00e9ce mnohem komplikovan\u011bj\u0161\u00ed, ne\u017e kdyby si vy\u0159izovali \u00fav\u011br loni.Navzdory t\u011bmto obav\u00e1m polovina klient\u016f i b\u011bhem pandemie z\u00edskala \u00fav\u011br bez v\u011bt\u0161\u00edch pot\u00ed\u017e\u00ed a jen p\u011btina se zaj\u00edmala o odklad spl\u00e1tek. Vypl\u00fdv\u00e1 to z nejnov\u011bj\u0161\u00edho pr\u016fzkumu […]<\/p>\n","protected":false},"author":2,"featured_media":333,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[6],"tags":[],"class_list":["post-332","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-navody"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/posts\/332","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=332"}],"version-history":[{"count":0,"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/posts\/332\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/media\/333"}],"wp:attachment":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=332"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=332"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=332"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}