{"id":352,"date":"2021-01-13T12:44:33","date_gmt":"2021-01-13T11:44:33","guid":{"rendered":"http:\/\/apenize.cz\/?p=352"},"modified":"2021-01-13T12:44:35","modified_gmt":"2021-01-13T11:44:35","slug":"rekordni-mnozstvi-uveru-na-co-banky-lakaji-klienty","status":"publish","type":"post","link":"https:\/\/apenize.cz\/?p=352","title":{"rendered":"Rekordn\u00ed mno\u017estv\u00ed \u00fav\u011br\u016f. Na co banky l\u00e1kaj\u00ed klienty"},"content":{"rendered":"\n

Slovensk\u00e9 banky poskytly objem \u00fav\u011br\u016f na bydlen\u00ed s magickou hranic\u00ed a\u017e 32 miliard eur. Klienty l\u00e1kaj\u00ed na zv\u00fdhodn\u011bn\u00e9 \u00farokov\u00e9 sazby a r\u016fzn\u00e9 benefity.
I p\u0159es p\u0159\u00edsn\u011bj\u0161\u00edm opat\u0159en\u00edm ze strany regul\u00e1tora a sou\u010dasn\u00e9 pandemick\u00e9 situaci jsou \u00farokov\u00e9 sazby na historick\u00fdch minimech a pohybuj\u00ed se ji\u017e od 0,39% p. a. Na Slovensku objem poskytnut\u00fdch \u00fav\u011br\u016f na bydlen\u00ed v pr\u016fb\u011bhu t\u0159et\u00edho \u010dtvrtlet\u00ed dos\u00e1hl magickou hranici 32 miliard eur, co\u017e v meziro\u010dn\u00edm srovn\u00e1n\u00ed p\u0159edstavuje n\u00e1r\u016fst o 9,14%. Nejvy\u0161\u0161\u00ed pod\u00edl 26,25% na objemu poskytnut\u00fdch \u00fav\u011brech dos\u00e1hla Slovensk\u00e1 spo\u0159itelna, n\u00e1sleduje V\u00daB banka s pod\u00edlem 22,32%, Tatra banka s pod\u00edlem 13,91% a \u010cSOB banka s pod\u00edlem 12,32%. Na \u00fav\u011brech stavebn\u00edho spo\u0159en\u00ed nejvy\u0161\u0161\u00ed pod\u00edl 82,41% dos\u00e1hla Prvn\u00ed stavebn\u00ed spo\u0159itelna.<\/p>\n\n\n\n

Banky o klienty bojuj\u00ed
Kone\u010dn\u00e1 \u00farokov\u00e1 sazba je ovlivn\u011bna typem \u00fav\u011bru a rozhoduj\u00edc\u00ed je i v\u00fd\u0161ka LTV (Loan to value). Z\u00e1vis\u00ed tak\u00e9 na dal\u0161\u00edch slu\u017eeb, kter\u00e9 si klient v dan\u00e9 bance zvol\u00ed, jak je b\u011b\u017en\u00fd \u00fa\u010det a jeho aktivn\u00ed vyu\u017e\u00edv\u00e1n\u00ed, poji\u0161t\u011bn\u00ed \u00fav\u011bru, poji\u0161t\u011bn\u00ed nemovitosti \u010di spo\u0159en\u00ed. „Proto\u017ee konkurence je velk\u00e1, banky se sna\u017e\u00ed z\u00edskat klienty, a proto v r\u00e1mci sv\u00fdch kampan\u00ed minim\u00e1ln\u011b do konce kalend\u00e1\u0159n\u00edho roku nab\u00edzej\u00ed k \u00fav\u011br\u016fm r\u016fzn\u00e9 benefity, kter\u00fdmi je cht\u011bj\u00ed zaujmout,“ vysv\u011btluje Zuzana \u0160imonov\u00e1, \u00fav\u011brov\u00e1 analyti\u010dka Swiss Life Select.<\/p>\n\n\n\n

\u00daspora funguje jako magnet
V sou\u010dasnosti je pro klienty nejsiln\u011bj\u0161\u00ed motivac\u00ed \u00faspora. V p\u0159\u00edpad\u011b p\u0159ed\u010dasn\u00e9ho splacen\u00ed d\u0159\u00edve poskytnut\u00e9ho \u00fav\u011bru n\u011bkter\u00e9 banky proplat\u00ed poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed ve v\u00fd\u0161i 1%. „\u00daspora finan\u010dn\u00edch prost\u0159edk\u016f je pro klienta jako magnet a a\u0165 je v jak\u00e9koli podob\u011b, zda \u00faspora na poplatku za poskytnut\u00ed \u00fav\u011bru, nebo proplacen\u00ed poplatku za znaleck\u00fd posudek. Tak\u00e9 je pro klienta motivac\u00ed i jednodu\u0161\u0161\u00ed zp\u016fsob dokl\u00e1d\u00e1n\u00ed a\u0165 p\u0159\u00edjm\u016f nebo \u00fa\u010delu \u00fav\u011bru, co\u017e \u0161et\u0159\u00ed jeho \u010das „tvrd\u00ed Zuzana \u0160imonov\u00e1.<\/p>\n\n\n\n

Co byste m\u011bli v\u011bd\u011bt o RPSN
RPSN je ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f a pro klienty je to nejd\u016fle\u017eit\u011bj\u0161\u00ed parametr, kter\u00fd vyjad\u0159uje kone\u010dnou cenu \u00fav\u011bru p\u0159i jeho poskytnut\u00ed. Jsou to celkov\u00e9 n\u00e1klady \u00fav\u011bru, kter\u00e9 by m\u011bl dlu\u017en\u00edk zaplatit za p\u016fj\u010denou \u010d\u00e1stku. Vyjad\u0159uje celkovou sazbu \u00fav\u011bru nebo p\u016fj\u010dky, zohled\u0148uje nejen \u00farok, ale i ostatn\u00ed poplatky spojen\u00e9 s \u00fav\u011brem.<\/p>\n\n\n\n

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

Co byste m\u011bli v\u011bd\u011bt o poplatc\u00edch, kter\u00e9 souvisej\u00ed s \u00fav\u011brem
Prvn\u00ed poplatek, kter\u00fd si banka za\u00fa\u010dtuje, je poplatek za poskytnut\u00ed \u00fav\u011bru, resp. zpracov\u00e1n\u00ed \u00fav\u011bru. „Klient si m\u016f\u017ee zvolit, zda tento poplatek bance zaplat\u00ed zvl\u00e1\u0161\u0165, nebo vyu\u017eije mo\u017enost zapo\u010d\u00edtat poplatek do v\u00fd\u0161e \u00fav\u011bru. V dan\u00e9m p\u0159\u00edpad\u011b se o tuto \u010d\u00e1stku \u00fav\u011br nav\u00fd\u0161\u00ed a rozpo\u010d\u00edt\u00e1 se do ostatn\u00edch spl\u00e1tek k \u00fav\u011bru. V p\u0159\u00edpad\u011b, \u017ee se klient rozhodne \u00fav\u011br p\u0159ed\u010dasn\u011b splatit, banka m\u016f\u017ee p\u0159i jeho vy\u010d\u00edslen\u00ed zapo\u010d\u00edtat do celkov\u00fdch n\u00e1klad\u016f i alikvotn\u00ed \u010d\u00e1st poplatku za poskytnut\u00ed \u00fav\u011bru, „tvrd\u00ed \u00fav\u011brov\u00e1 analyti\u010dka. Dal\u0161\u00ed poplatky, kter\u00e9 souvis\u00ed s \u00fav\u011brem, jsou poplatky za veden\u00ed \u00fa\u010dtu, za p\u0159\u00edpadn\u00e9 poji\u0161t\u011bn\u00ed \u00fav\u011bru, za poji\u0161t\u011bn\u00ed nemovitosti, poplatky souvisej\u00edc\u00ed s katastr\u00e1ln\u00edm \u00fa\u0159adem, poplatek za zpracov\u00e1n\u00ed znaleck\u00e9ho posudku.<\/p>\n\n\n\n

Budouc\u00edmi poplatky jsou i poplatky za zm\u011bnu smluvn\u00edch podm\u00ednek, kter\u00e9 vy\u017eaduj\u00ed vypracov\u00e1n\u00ed dodatku k \u00fav\u011brov\u00e9 smlouv\u011b. Budouc\u00edm poplatk\u016fm m\u016f\u017ee b\u00fdt i mimo\u0159\u00e1dn\u00e1 spl\u00e1tka \u00fav\u011bru, resp. jeho p\u0159ed\u010dasn\u00e9 splacen\u00ed mimo fixace, tedy doby v\u00e1zanosti \u00farokov\u00e9 sazby.<\/p>\n\n\n\n

Kdy se v\u00e1m m\u016f\u017ee \u00fav\u011br prodra\u017eit
Nemovitost, kter\u00e1 je p\u0159edm\u011btem z\u00e1stavn\u00edho pr\u00e1va mus\u00ed b\u00fdt poji\u0161t\u011bna minim\u00e1ln\u011b ve v\u00fd\u0161i \u00fav\u011bru a z\u00e1rove\u0148 pojistn\u00e1 smlouva mus\u00ed b\u00fdt vinkulov\u00e1na ve prosp\u011bch banky, pro p\u0159\u00edpad pojistn\u00e9 ud\u00e1losti. „Nemovitost v\u0161ak mus\u00ed b\u00fdt poji\u0161t\u011bna po celou dobu trv\u00e1n\u00ed \u00fav\u011brov\u00e9ho vztahu, za nedodr\u017een\u00ed si banka m\u016f\u017ee uplatnit sank\u010dn\u00ed pokutu,“ upozor\u0148uje \u00fav\u011brov\u00e1 analyti\u010dka. „Z\u00e1rove\u0148 chci upozornit na odkl\u00e1dac\u00ed podm\u00ednky, kter\u00e9 jsou zapracov\u00e1ny v \u00fav\u011brov\u00e9 smlouv\u011b. Po vy\u010derp\u00e1n\u00ed \u00fav\u011bru klienti \u010dasto pozapomn\u011bl na tyto podm\u00ednky a v p\u0159\u00edpad\u011b nedodr\u017een\u00ed term\u00ednu dod\u00e1n\u00ed doklad\u016f, jako je nap\u0159. pravomocn\u00e9 kolauda\u010dn\u00ed rozhodnut\u00ed, nebo dal\u0161\u00ed doklady ve smyslu \u00fav\u011brov\u00e9 smlouvy, jsou bankovn\u00ed instituce opr\u00e1vn\u011bny uplatnit smluvn\u00ed pokutu nav\u00fd\u0161en\u00edm \u00farokov\u00e9 sazby, \u010d\u00edm\u017e se klientovi \u00fav\u011br prodra\u017e\u00ed, „dod\u00e1v\u00e1 Zuzana \u0160imonov\u00e1.<\/p>\n","protected":false},"excerpt":{"rendered":"

Slovensk\u00e9 banky poskytly objem \u00fav\u011br\u016f na bydlen\u00ed s magickou hranic\u00ed a\u017e 32 miliard eur. Klienty l\u00e1kaj\u00ed na zv\u00fdhodn\u011bn\u00e9 \u00farokov\u00e9 sazby a r\u016fzn\u00e9 benefity.I p\u0159es p\u0159\u00edsn\u011bj\u0161\u00edm opat\u0159en\u00edm ze strany regul\u00e1tora a sou\u010dasn\u00e9 pandemick\u00e9 situaci jsou \u00farokov\u00e9 sazby na historick\u00fdch minimech a pohybuj\u00ed se ji\u017e od 0,39% p. a. Na Slovensku objem poskytnut\u00fdch \u00fav\u011br\u016f na bydlen\u00ed v […]<\/p>\n","protected":false},"author":2,"featured_media":353,"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-352","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\/352","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=352"}],"version-history":[{"count":0,"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/posts\/352\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/media\/353"}],"wp:attachment":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=352"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=352"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=352"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}