{"id":20382,"date":"2026-03-18T10:19:54","date_gmt":"2026-03-18T10:19:54","guid":{"rendered":"https:\/\/www.automakers.cz\/?p=20382"},"modified":"2026-03-18T10:19:54","modified_gmt":"2026-03-18T10:19:54","slug":"valka-v-iranu-zdrazuje-naftu-i-hypoteky","status":"publish","type":"post","link":"https:\/\/www.automakers.cz\/?p=20382","title":{"rendered":"V\u00e1lka v \u00cdr\u00e1nu zdra\u017euje naftu i hypot\u00e9ky"},"content":{"rendered":"<p><strong><b>Zv\u00fd\u0161en\u00e1 cena pohonn\u00fdch hmot na \u010derpac\u00edch stanic\u00edch nen\u00ed jedin\u00fd d\u016fsledek v\u00e1lky v\u00a0\u00cdr\u00e1nu, kter\u00fd nap\u0159\u00edmo poc\u00edt\u00edme i v\u00a0\u010cesku. Kv\u016fli rostouc\u00ed cen\u011b pen\u011bz na mezibankovn\u00edm trhu zdra\u017euj\u00ed i hypot\u00e9ky. \u010cesk\u00e9 banky p\u0159itom aktu\u00e1ln\u011b \u0159e\u0161\u00ed nov\u00e9 hypot\u00e9ky i ty s\u00a0kon\u010d\u00edc\u00ed fixac\u00ed v\u00a0nejvy\u0161\u0161\u00edm objemu za posledn\u00ed roky.<\/b><\/strong><!--more--><\/p>\n<p>\u00danor se z\u00a0pohledu v\u00fdvoje tzv. \u00farokov\u00fdch swap\u016f, je\u017e ovliv\u0148uj\u00ed cenu pen\u011bz, kter\u00e9 si banky p\u016fj\u010duj\u00ed mezi sebou, je\u0161t\u011b nesl v\u00a0poklidn\u00e9m duchu. \u00darokov\u00e1 sazba u t\u0159\u00edlet\u00fdch swap\u016f se spo\u0159\u00e1dan\u011b dr\u017eela v\u00a0p\u00e1smu od 3,4 % do 3,5 %. Pak ale p\u0159i\u0161el posledn\u00ed \u00fanorov\u00fd den \u2013 za\u010d\u00e1tek americko-izraelsk\u00fdch \u00fader\u016f na \u00cdr\u00e1n a v\u0161e bylo jinak.<\/p>\n<p>Za\u017e\u00edv\u00e1me dal\u0161\u00ed v\u00fdkyv jako p\u0159ed 10 m\u011bs\u00edci, kdy cel\u00fd sv\u011bt \u0159e\u0161il hrozbu masivn\u00edho zaveden\u00ed obchodn\u00edch cel ze strany USA. Spole\u010dn\u00fdm jmenovatelem je i tentokr\u00e1t americk\u00fd prezident Donald Trump. Op\u011bt pozorujeme skokov\u00fd v\u00fdkyv \u00farokov\u00fdch sazeb u t\u0159\u00edlet\u00fdch swap\u016f, kter\u00e9 tentokr\u00e1t vyst\u0159elily opa\u010dn\u00fdm sm\u011brem a\u017e k\u00a04,3 %, co\u017e je v\u00a0tomto segmentu skute\u010dn\u011b skokov\u00fd n\u00e1r\u016fst.<\/p>\n<p>Tuzemsk\u00e9 banky dnes poskytuj\u00ed ka\u017ed\u00fd m\u011bs\u00edc hypot\u00e9ky za 35 miliard korun a p\u0159ibli\u017en\u011b stejn\u00fd objem hypot\u00e9k s\u00a0kon\u010d\u00edc\u00ed fixac\u00ed je m\u011bs\u00ed\u010dn\u011b p\u0159ece\u0148ov\u00e1n. To je v\u00a0posledn\u00edch letech zcela bezprecedentn\u00ed situace \u2013 takov\u00e1 \u010d\u00edsla banky nehl\u00e1sily ani v\u00a0covidov\u00fdch letech 2020 a 2021.<\/p>\n<p>Nap\u0159\u00edklad banky ve Velk\u00e9 Brit\u00e1nii u\u017e na situaci za\u010daly reagovat a zvy\u0161uj\u00ed \u00farokov\u00e9 sazby hypot\u00e9k. Spole\u010dnost Nationwide zv\u00fd\u0161ila sazby u n\u011bkter\u00fdch sv\u00fdch produkt\u016f a\u017e o 0,25 % a tak\u00e9 dal\u0161\u00ed finan\u010dn\u00ed domy ozn\u00e1mily, \u017ee sazby zv\u00fd\u0161\u00ed, a to a\u017e o 0,5 %.<\/p>\n<p><strong><b>Zdra\u017eov\u00e1n\u00ed se nevyhnulo ani \u010cesku <\/b><\/strong><\/p>\n<p><strong><b>\u00a0<\/b><\/strong>Zv\u00fd\u0161en\u00ed \u00farokov\u00fdch sazeb v\u00a0\u0159\u00e1du desetin procenta je nevyhnuteln\u00e9 i ze strany bank na na\u0161em trhu. Prvn\u00ed banky ji\u017e zvedaj\u00ed \u00farokov\u00e9 sazby o 0,5 % a p\u0159edpokl\u00e1d\u00e1me, \u017ee k\u00a0nav\u00fd\u0161en\u00ed p\u0159istoup\u00ed postupn\u011b cel\u00fd bankovn\u00ed sektor.<\/p>\n<p>Jen pro p\u0159\u00edklad: m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka hypot\u00e9ky se splatnost\u00ed 30 let vzroste p\u0159i zv\u00fd\u0161en\u00ed \u00farokov\u00e9 sazby o ka\u017edou 0,1 procentn\u00edho bodu p\u0159ibli\u017en\u011b o 60 K\u010d na ka\u017ed\u00fd milion korun \u00fav\u011bru. U hypot\u00e9ky ve v\u00fd\u0161i 5 milion\u016f korun to znamen\u00e1 zhruba 300 K\u010d m\u011bs\u00ed\u010dn\u011b nav\u00edc. Pokud by tedy byla sazba vy\u0161\u0161\u00ed nap\u0159\u00edklad o 0,5 procentn\u00edho bodu, zaplat\u00ed dom\u00e1cnost p\u0159ibli\u017en\u011b 1 500 K\u010d m\u011bs\u00ed\u010dn\u011b nav\u00edc, co\u017e je asi 18 000 K\u010d ro\u010dn\u011b.<\/p>\n<p>\u017de ceny finan\u010dn\u00edch zdroj\u016f na trhu kol\u00edsaj\u00ed, je zcela b\u011b\u017en\u00e9. Ud\u00e1losti posledn\u00edch \u0161esti let, kdy jsme za\u017eili \u0161oky ve v\u00fdvoji \u00farokov\u00fdch sazeb zp\u016fsoben\u00e9 pandemi\u00ed covidu a v\u00e1lkou na Ukrajin\u011b, vyvol\u00e1vaj\u00ed ale nep\u0159\u00edjemn\u00e9 mrazen\u00ed, zda nad n\u00e1mi v\u00a0podob\u011b konfliktu na Bl\u00edzk\u00e9m V\u00fdchod\u011b nekrou\u017e\u00ed dal\u0161\u00ed \u010dern\u00e1 labu\u0165, kter\u00e1 sazby z\u00e1sadn\u011b ovlivn\u00ed.<\/p>\n<p>Hrozba celn\u00edch v\u00e1lek v\u00a0lo\u0148sk\u00e9m roce \u201evykolejila\u201c cenu zdroj\u016f p\u0159ibli\u017en\u011b jen na dva m\u011bs\u00edce. V\u00a0p\u0159\u00edpad\u011b v\u00e1lky v \u00cdr\u00e1nu jsme zat\u00edm v\u00a0obdob\u00ed vysok\u00e9 nejistoty ohledn\u011b dal\u0161\u00edho v\u00fdvoje a je st\u00e1le je\u0161t\u011b mo\u017en\u00e9, \u017ee p\u016fjde tak\u00e9 jen o kr\u00e1tkodob\u00fd v\u00fdkyv, kter\u00fd trh z\u00a0v\u011bt\u0161\u00ed \u010d\u00e1sti absorbuje a neza\u017eijeme tak razantn\u00ed r\u016fst \u00farokov\u00fdch sazeb jako od roku 2021 do jara 2022.<\/p>\n<p>Ka\u017edop\u00e1dn\u011b se ale v\u00a0nejbli\u017e\u0161\u00edch m\u011bs\u00edc\u00edch mus\u00edme rozlou\u010dit s\u00a0p\u0159edstavou, \u017ee hypot\u00e9ky v\u00a0\u010cesku \u010dek\u00e1 v\u00fdrazn\u011bj\u0161\u00ed zlev\u0148ov\u00e1n\u00ed. V\u00a0lep\u0161\u00edm p\u0159\u00edpad\u011b si udr\u017e\u00ed st\u00e1vaj\u00edc\u00ed sazby, kter\u00e9 se v re\u00e1lu pohybuj\u00ed okolo 4,55 %.<\/p>\n<p><strong><em><b><i>Libor Vojta Ostatek, hypote\u010dn\u00ed expert, Broker Trust<\/i><\/b><\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zv\u00fd\u0161en\u00e1 cena pohonn\u00fdch hmot na \u010derpac\u00edch stanic\u00edch nen\u00ed jedin\u00fd d\u016fsledek v\u00e1lky v\u00a0\u00cdr\u00e1nu, kter\u00fd nap\u0159\u00edmo poc\u00edt\u00edme&#8230;<\/p>\n","protected":false},"author":1,"featured_media":5670,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42,62],"tags":[],"class_list":["post-20382","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analyza","category-banky"],"_links":{"self":[{"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/posts\/20382","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=20382"}],"version-history":[{"count":3,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/posts\/20382\/revisions"}],"predecessor-version":[{"id":20385,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/posts\/20382\/revisions\/20385"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/media\/5670"}],"wp:attachment":[{"href":"https:\/\/www.automakers.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20382"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20382"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20382"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}