{"id":1628,"date":"2023-06-22T06:31:00","date_gmt":"2023-06-22T06:31:00","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1628"},"modified":"2023-06-22T06:31:00","modified_gmt":"2023-06-22T06:31:00","slug":"zruseni-dsti-muze-mit-dopady-na-trh","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1628","title":{"rendered":"Zru\u0161en\u00ed DSTI m\u016f\u017ee m\u00edt dopady na trh"},"content":{"rendered":"

Od 1. \u010dervence 2023 \u010cesk\u00e1 n\u00e1rodn\u00ed banka zm\u00edrn\u00ed podm\u00ednky pro poskytov\u00e1n\u00ed hypot\u00e9k. Zru\u0161\u00ed toti\u017e jeden z ukazatel\u016f, na z\u00e1klad\u011b, kter\u00fdch banky hypot\u00e9ky poskytuj\u00ed. Jedn\u00e1 se o Debt Service to Income neboli DSTI, co\u017e je procentn\u00ed pod\u00edl celkov\u00e9 v\u00fd\u0161e v\u0161ech m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek na \u010dist\u00e9m m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmu \u017eadatele o \u00fav\u011br. <\/strong><\/p>\n

Zru\u0161en\u00ed t\u00e9to podm\u00ednky bude m\u00edt mnoho dopad\u016f. Jak\u00e9 to budou, zmapoval Jakub Veverka, hlavn\u00ed ekonom Videobydleni.cz.<\/p>\n

    \n
  1. Zv\u00fd\u0161en\u00ed popt\u00e1vky<\/strong><\/li>\n<\/ol>\n

    Zru\u0161en\u00ed ukazatele DSTI m\u016f\u017ee zv\u00fd\u0161it popt\u00e1vku po nemovitostech, proto\u017ee potenci\u00e1ln\u00ed kupuj\u00edc\u00ed budou m\u00edt v\u011bt\u0161\u00ed flexibilitu p\u0159i z\u00edsk\u00e1v\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru. To m\u016f\u017ee v\u00e9st ke zv\u00fd\u0161en\u00ed konkurence mezi kupuj\u00edc\u00edmi a zv\u00fd\u0161en\u00ed cen nemovitost\u00ed.<\/p>\n

    V\u011bt\u0161\u00ed dostupnost hypote\u010dn\u00edch \u00fav\u011br\u016f: S odstran\u011bn\u00edm ukazatele DSTI mohou b\u00fdt hypote\u010dn\u00ed \u00fav\u011bry dostupn\u011bj\u0161\u00ed pro \u0161ir\u0161\u00ed skupinu lid\u00ed, zejm\u00e9na pro ty s ni\u017e\u0161\u00edmi p\u0159\u00edjmy. To m\u016f\u017ee stimulovat popt\u00e1vku a p\u0159in\u00e9st nov\u00e9 kupuj\u00edc\u00ed na trh.<\/p>\n

      \n
    1. Riziko zadlu\u017een\u00ed\/p\u0159edlu\u017een\u00ed<\/strong><\/li>\n<\/ol>\n

      Bez ukazatele DSTI mohou n\u011bkte\u0159\u00ed lid\u00e9 b\u00fdt n\u00e1chyln\u011bj\u0161\u00ed k nadm\u011brn\u00e9mu zadlu\u017een\u00ed. Je d\u016fle\u017eit\u00e9, aby potenci\u00e1ln\u00ed kupuj\u00edc\u00ed pe\u010dliv\u011b zv\u00e1\u017eili svou finan\u010dn\u00ed situaci a mo\u017enosti spl\u00e1cen\u00ed hypote\u010dn\u00edho \u00fav\u011bru, aby minimalizovali riziko finan\u010dn\u00edch pot\u00ed\u017e\u00ed v budoucnosti. V\u00a0tomto p\u0159\u00edpad\u011b m\u016f\u017ee n\u00e1sledn\u011b doch\u00e1zet k\u00a0\u00fav\u011brov\u00fdm default\u016fm.<\/p>\n

        \n
      1. Prom\u011bnlivost \u00farokov\u00fdch sazeb<\/strong><\/li>\n<\/ol>\n

        I p\u0159es zru\u0161en\u00ed ukazatele DSTI se \u00farokov\u00e9 sazby hypote\u010dn\u00edch \u00fav\u011br\u016f nad\u00e1le mohou m\u011bnit. V\u00fdvoj \u00farokov\u00fdch sazeb bude d\u016fle\u017eit\u00fdm faktorem ovliv\u0148uj\u00edc\u00edm ceny nemovitost\u00ed a p\u0159\u00edstupnost \u00fav\u011br\u016f.<\/p>\n

        I p\u0159es zru\u0161en\u00ed ukazatele DSTI, banky a finan\u010dn\u00ed instituce st\u00e1le budou prov\u00e1d\u011bt anal\u00fdzu finan\u010dn\u00ed schopnosti \u017eadatel\u016f o hypote\u010dn\u00ed \u00fav\u011br. Odpov\u011bdn\u00e1 p\u016fj\u010dov\u00e1n\u00ed z\u016fst\u00e1v\u00e1 d\u016fle\u017eit\u00fdm aspektem pro bankovn\u00ed sektor. Zru\u0161en\u00edm DSTI budou tak jako tak banky ka\u017ed\u00e9ho klienta d\u016fkladn\u011b prov\u011b\u0159ovat.<\/p>\n

        Zru\u0161en\u00ed ukazatele zadlu\u017eenosti DSTI \u010cNB m\u00e1 potenci\u00e1l ovlivnit trh s nemovitostmi zv\u00fd\u0161enou popt\u00e1vkou a v\u011bt\u0161\u00ed dostupnost\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f. Nicm\u00e9n\u011b, je d\u016fle\u017eit\u00e9, aby kupuj\u00edc\u00ed z\u016fstali obez\u0159etn\u00ed a pe\u010dliv\u011b zv\u00e1\u017eili sv\u00e9 finan\u010dn\u00ed mo\u017enosti a rizika p\u0159ed n\u00e1kupem nemovitosti.<\/p>\n

        O\u010dek\u00e1v\u00e1me nyn\u00ed zv\u00fd\u0161enou popt\u00e1vku po hypote\u010dn\u00edm \u00fav\u011brov\u00e1n\u00ed. Podle na\u0161\u00ed progn\u00f3zy to ale nepovede k\u00a0tak razantn\u00edmu zv\u00fd\u0161en\u00ed poskytnut\u00fdch \u00fav\u011br\u016f, banky toti\u017e z\u016fstanou d\u00e1le obez\u0159etn\u00e9.<\/p>\n

          \n
        1. Makrook\u00e9nko<\/strong><\/li>\n<\/ol>\n

          Jak jsem psal v\u00a03Q 2022, m\u00e1me tady stagflaci. Tedy vysokou inflaci p\u0159i nulov\u00e9m r\u016fstu ekonomiky. T\u00edm, \u017ee \u010cNB, respektive nov\u00e1 rada nepokra\u010dovala ve zvy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb tak, jako za guvernerov\u00e1n\u00ed pana Rusnoka, tak d\u00edky tomuto \u201eholubi\u010d\u010d\u00edmu\u201c p\u0159\u00edstupu tady m\u00e1me stagflaci jak vy\u0161itou. P\u0159ed j\u00edzdou do zat\u00e1\u010dky je t\u0159eba v\u00edce brzdit a v\u00a0polovin\u011b m\u016f\u017eeme p\u0159id\u00e1vat. Na\u0161\u00ed ekonomice se stalo, \u017ee jsme p\u0159ed zat\u00e1\u010dkou brzdili m\u00e1lo a tud\u00ed\u017e nyn\u00ed nem\u016f\u017eeme p\u0159id\u00e1vat. St\u00e1ty, kter\u00e9 \u0161l\u00e1ply na brzdu v\u00edce (zv\u00fd\u0161ily sazby a\u017e nad inflaci) si pro\u0161ly kr\u00e1tkou hlub\u0161\u00ed reces\u00ed a nyn\u00ed mohou sazby rychleji sni\u017eovat.<\/p>\n

          N\u00e1\u0161 p\u0159\u00edpad, tedy \u010cR je takov\u00fd, \u017ee jsme \u0161lapali na brzdy m\u00e1lo a nyn\u00ed n\u00e1s \u010dek\u00e1 marasmus, v\u00a0podob\u011b stagnuj\u00edc\u00ed ekonomiky a dlouh\u00e9, p\u00e1div\u00e9 inflace. Zaplat\u00edme to my v\u0161ichni, klesaj\u00edc\u00edmi re\u00e1ln\u00fdmi p\u0159\u00edjmy a poklesem hodnot na\u0161ich \u00faspor. Nemovitostn\u00ed trh je nejp\u0159eh\u0159\u00e1t\u011bj\u0161\u00ed na \u010desk\u00e9m trhu, co\u017e pomalu rozt\u00e1\u010d\u00ed mzdov\u011b-infla\u010dn\u00ed spir\u00e1lu. M\u016f\u017eeme jen doufat, zda vy\u0161\u0161\u00ed n\u00e1roky na mzdy nedonut\u00ed zam\u011bstnavatele tyto zv\u00fd\u0161en\u00e9 v\u00fddaje prom\u00edtnout do v\u00fdstupn\u00edch cen.<\/p>\n

          Jakub Veverka, hlavn\u00ed ekonom Videobydleni.cz<\/p>\n","protected":false},"excerpt":{"rendered":"

          Od 1. \u010dervence 2023 \u010cesk\u00e1 n\u00e1rodn\u00ed banka zm\u00edrn\u00ed podm\u00ednky pro poskytov\u00e1n\u00ed hypot\u00e9k. Zru\u0161\u00ed toti\u017e jeden z ukazatel\u016f, na z\u00e1klad\u011b, kter\u00fdch banky hypot\u00e9ky poskytuj\u00ed. Jedn\u00e1 se […]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":1629,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1628","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banky"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1628","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1628"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1628\/revisions"}],"predecessor-version":[{"id":1630,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1628\/revisions\/1630"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/1629"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1628"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1628"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1628"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}