{"id":2013,"date":"2023-09-20T18:17:38","date_gmt":"2023-09-20T18:17:38","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=2013"},"modified":"2023-09-20T18:17:38","modified_gmt":"2023-09-20T18:17:38","slug":"air-bank-snizuje-urokove-sazby-hypotek-az-o-04","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=2013","title":{"rendered":"Air Bank sni\u017euje \u00farokov\u00e9 sazby hypot\u00e9k a\u017e o 0,4 %"},"content":{"rendered":"

Air Bank v p\u00e1tek 22. z\u00e1\u0159\u00ed 2023 zlevn\u00ed sv\u00e9 hypot\u00e9ky pro v\u0161ech p\u011bt nab\u00edzen\u00fdch obdob\u00ed fixace, a to a\u017e\u00a0o\u00a00,4\u00a0procentn\u00edho bodu. <\/strong><\/p>\n

U hypot\u00e9ky ve v\u00fd\u0161i od 5 milion\u016f korun mohou klienti p\u0159i zapo\u010dten\u00ed slevy za poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet z\u00edskat \u00farokovou sazbu u\u017e 5,29 % ro\u010dn\u011b. Air Bank poskytuje shodn\u00e9 \u00farokov\u00e9 sazby pro nov\u00e9 hypot\u00e9ky i hypot\u00e9ky p\u0159eveden\u00e9 z jin\u00fdch bank.<\/p>\n

Nov\u00e1 nejni\u017e\u0161\u00ed \u00farokov\u00e1 sazba 5,29 % ro\u010dn\u011b plat\u00ed u hypot\u00e9k od 5 milion\u016f korun a p\u0159i zapo\u010dten\u00ed slevy za sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet, kter\u00e9 sazbu v\u017edy o desetinu procentn\u00edho bodu sn\u00ed\u017e\u00ed. Minim\u00e1ln\u00ed \u00farokov\u00e1 sazba u\u00a0hypot\u00e9k v t\u00e9to v\u00fd\u0161i je tak oproti p\u0159edchoz\u00ed sazb\u011b ve v\u00fd\u0161i 5,49 % o 0,2 procentn\u00edho bodu ni\u017e\u0161\u00ed. Banka z\u00e1rove\u0148 sjednotila sazby u hypot\u00e9k ve v\u00fd\u0161i do 1,5 milionu korun a u hypot\u00e9k do 5 milion\u016f korun. P\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed tak mohou klienti u hypot\u00e9ky nep\u0159esahuj\u00edc\u00ed 5 milion\u016f korun nov\u011b z\u00edskat \u00farokovou sazbu u\u017e 5,49 % ro\u010dn\u011b, tedy a\u017e o\u00a00,4 procentn\u00edho bodu ni\u017e\u0161\u00ed ne\u017e d\u0159\u00edve.<\/p>\n\n\n\n\n\n\n
Hypot\u00e9ka Air Bank<\/strong><\/td>\nRo\u010dn\u00ed \u00farokov\u00e1 sazba v\u010detn\u011b poji\u0161t\u011bn\u00ed podle d\u00e9lky fixace<\/strong><\/td>\n<\/tr>\n
2 roky<\/strong><\/td>\n3 roky<\/strong><\/td>\n5 let<\/strong><\/td>\n7 let<\/strong><\/td>\n10 let<\/strong><\/td>\n<\/tr>\n
Od 5 milion\u016f korun<\/strong><\/td>\n5,79 %<\/td>\n5,49 %<\/td>\n5,29 %<\/td>\n5,29 %<\/td>\n5,29 %<\/td>\n<\/tr>\n
Do 5 milion\u016f korun<\/strong><\/td>\n5,99 %<\/td>\n5,69 %<\/td>\n5,49 %<\/td>\n5,49 %<\/td>\n5,49 %<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Nov\u00e9 \u00farokov\u00e9 sazby (platn\u00e9 od 22. 9. 2023):<\/strong><\/p>\n

P\u016fvodn\u00ed \u00farokov\u00e9 sazby:<\/strong><\/p>\n\n\n\n\n\n\n\n
Hypot\u00e9ka Air Bank<\/strong><\/td>\nRo\u010dn\u00ed \u00farokov\u00e1 sazba v\u010detn\u011b poji\u0161t\u011bn\u00ed podle d\u00e9lky fixace<\/strong><\/td>\n<\/tr>\n
2 roky<\/strong><\/td>\n3 roky<\/strong><\/td>\n5 let<\/strong><\/td>\n7 let<\/strong><\/td>\n10 let<\/strong><\/td>\n<\/tr>\n
Od 5 milion\u016f korun<\/strong><\/td>\n5,89 %<\/td>\n5,69 %<\/td>\n5,49 %<\/td>\n5,49 %<\/td>\n5,49 %<\/td>\n<\/tr>\n
Od 1,5 mil. do 5 mil. korun<\/strong><\/td>\n6,09 %<\/td>\n5,89 %<\/td>\n5,69 %<\/td>\n5,69 %<\/td>\n5,69 %<\/td>\n<\/tr>\n
Do 1,5 milionu korun<\/strong><\/td>\n6,29 %<\/td>\n6,09 %<\/td>\n5,89 %<\/td>\n5,89 %<\/td>\n5,89 %<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00a0<\/em>\u201eHypote\u010dn\u00ed trh se v posledn\u00edch m\u011bs\u00edc\u00edch oproti p\u0159edchoz\u00edmu dlouh\u00e9mu obdob\u00ed stagnace pom\u011brn\u011b rozh\u00fdbal, a to i navzdory jinak obvykl\u00e9mu letn\u00edmu \u00fatlumu. Zv\u00fd\u0161en\u00fd z\u00e1jem poh\u00e1n\u011blo zejm\u00e9na \u010dervencov\u00e9 zru\u0161en\u00ed limitu ukazatele DSTI, roli ale hr\u00e1l tak\u00e9 ur\u010dit\u00fd pokles cen nemovitost\u00ed v n\u011bkter\u00fdch regionech a nyn\u00ed se p\u0159id\u00e1v\u00e1 i m\u00edrn\u00fd pokles \u00farokov\u00fdch sazeb hypot\u00e9k. Ty budou do konce leto\u0161n\u00edho roku pravd\u011bpodobn\u011b klesat jen pozvolna, v prvn\u00ed polovin\u011b p\u0159\u00ed\u0161t\u00edho roku by v\u0161ak jejich pokles mohl nabrat rychlej\u0161\u00ed sp\u00e1d,\u201c <\/em>\u0159\u00edk\u00e1 Marek Richter<\/strong>, vedouc\u00ed hypote\u010dn\u00edch slu\u017eeb Air Bank.<\/p>\n

Sjedn\u00e1n\u00ed a veden\u00ed hypot\u00e9ky jsou v Air Bank zdarma, stejn\u011b jako zm\u011bna v\u00fd\u0161e a term\u00ednu spl\u00e1tky, mimo\u0159\u00e1dn\u00e9 spl\u00e1tky nebo p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky kdykoliv b\u011bhem fixace. Klienti maj\u00ed mo\u017enost vyu\u017e\u00edvat tak\u00e9 Chytrou rezervu, do kter\u00e9 mohou vlo\u017eit pen\u00edze nav\u00edc a sn\u00ed\u017eit si tak v\u00fd\u0161i jistiny pro v\u00fdpo\u010det \u00farok\u016f. Pen\u00edze z Chytr\u00e9 rezervy si tak\u00e9 lze v p\u0159\u00edpad\u011b pot\u0159eby vz\u00edt zase zp\u011bt.<\/p>\n

Air Bank poskytuje hypot\u00e9ky s LTV a\u017e do 90 % se stejnou \u00farokovou sazbou jako hypot\u00e9ky s\u00a0LTV ve v\u00fd\u0161i 80 %, a\u00a0to p\u0159edev\u0161\u00edm klient\u016fm do 36 let v\u011bku. Z\u00e1jemci o hypot\u00e9ku mohou na webov\u00fdch str\u00e1nk\u00e1ch vyu\u017e\u00edt jednoduchou kalkula\u010dku, na n\u00ed\u017e si u\u017e p\u0159edem spo\u010d\u00edtaj\u00ed v\u00fd\u0161i sazby, kterou jim banka m\u016f\u017ee poskytnout. O hypot\u00e9ku mohou klienti Air Bank za\u017e\u00e1dat online, a to i v mobiln\u00ed aplikaci My Air.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Air Bank v p\u00e1tek 22. z\u00e1\u0159\u00ed 2023 zlevn\u00ed sv\u00e9 hypot\u00e9ky pro v\u0161ech p\u011bt nab\u00edzen\u00fdch obdob\u00ed fixace, a to a\u017e\u00a0o\u00a00,4\u00a0procentn\u00edho bodu.<\/p>\n<\/div>","protected":false},"author":2,"featured_media":813,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-2013","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\/2013","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=2013"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2013\/revisions"}],"predecessor-version":[{"id":2014,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2013\/revisions\/2014"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/813"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2013"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2013"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2013"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}