{"id":275,"date":"2022-11-30T15:40:55","date_gmt":"2022-11-30T15:40:55","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=275"},"modified":"2022-11-30T15:40:55","modified_gmt":"2022-11-30T15:40:55","slug":"cnb-potvrdila-nastaveni-limitu-pro-hypotecni-uvery","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=275","title":{"rendered":"\u010cNB potvrdila nastaven\u00ed limit\u016f pro hypote\u010dn\u00ed \u00fav\u011bry"},"content":{"rendered":"<p><strong>Bankovn\u00ed rada \u010cesk\u00e9 n\u00e1rodn\u00ed banky dnes projednala <i>Zpr\u00e1vu o finan\u010dn\u00ed stabilit\u011b \u2013 podzim 2022<\/i>, kter\u00e1 hodnot\u00ed zdrav\u00ed dom\u00e1c\u00edho finan\u010dn\u00edho sektoru a jeho odolnost v\u016f\u010di nep\u0159\u00edzniv\u00fdm \u0161ok\u016fm. Tento podklad byl pro bankovn\u00ed radu v\u00fdchodiskem pro nastaven\u00ed tzv.\u00a0makroobez\u0159etnostn\u00ed politiky, jej\u00edmi\u017e hlavn\u00edmi n\u00e1stroji jsou proticyklick\u00e1 kapit\u00e1lov\u00e1 rezerva bank a limity ukazatel\u016f pro poskytov\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f.<\/strong><\/p>\n<p><!--more--><\/p>\n<ul>\n<li>Bankovn\u00ed rada \u010cNB <strong> ponechala v\u00a0platnosti nastaven\u00ed z\u00e1vazn\u00fdch limit\u016f<\/strong> <strong>ukazatel\u016f<\/strong> pro poskytov\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f, kter\u00e9 plat\u00ed od 1. dubna 2022.<\/li>\n<li><strong>Limit ukazatele<\/strong> <strong>DTI<\/strong> (celkov\u00fd dluh \u017eadatele o \u00fav\u011br vyj\u00e1d\u0159en\u00fd v\u00a0n\u00e1sobc\u00edch jeho \u010dist\u00e9ho ro\u010dn\u00edho p\u0159\u00edjmu) bude nad\u00e1le \u010dinit <strong>8,5 <\/strong>(<strong>9,5 pro \u017eadatele mlad\u0161\u00ed 36 let<\/strong>).<\/li>\n<li><strong>Limit ukazatele<\/strong> <strong>DSTI<\/strong> (pom\u011br mezi celkovou v\u00fd\u0161\u00ed m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek dluhu \u017eadatele o \u00fav\u011br a jeho \u010dist\u00fdm m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmem) z\u016fst\u00e1v\u00e1 na \u00farovni <strong>45 % <\/strong>(<strong>50 % pro \u017eadatele mlad\u0161\u00ed 36\u00a0let<\/strong>).<\/li>\n<li><strong>Horn\u00ed limit ukazatele LTV <\/strong>(pom\u011br \u00fav\u011bru a\u00a0hodnoty zastaven\u00e9 nemovitosti) setrv\u00e1 <strong>na 80 % <\/strong>(<strong>90 % pro \u017eadatele mlad\u0161\u00ed 36 let<\/strong>).<\/li>\n<li>Poskytovatel\u00e9 mohou a\u017e na <strong>5 % <\/strong>objemu hypote\u010dn\u00edch \u00fav\u011br\u016f nad\u00e1le aplikovat<strong> v\u00fdjimku<\/strong> z\u00a0pln\u011bn\u00ed limit\u016f.<\/li>\n<li><strong>Limity ukazatel\u016f <\/strong>byly poskytovateli v podstat\u011b <strong>dodr\u017eov\u00e1ny<\/strong>.<\/li>\n<li><strong>Ceny byt\u016f v\u00a0\u010cR, kter\u00e9 ji\u017e za\u010daly sestupovat z\u00a0cyklick\u00e9ho vrcholu,<\/strong> byly k\u00a0pololet\u00ed roku 2022 <strong>zhruba o 60 % vy\u0161\u0161\u00ed<\/strong>, ne\u017e by odpov\u00eddalo \u00farovni p\u0159\u00edjm\u016f medi\u00e1nov\u00e9 dom\u00e1cnosti, a\u00a0<strong>zhruba o 40 % vy\u0161\u0161\u00ed<\/strong>, ne\u017e by odpov\u00eddalo po\u017eadovan\u00fdm v\u00fdnos\u016fm z\u00a0pron\u00e1jmu nemovitosti.<\/li>\n<li>Bankovn\u00ed rada \u010cNB dnes rozhodla tak\u00e9 o ponech\u00e1n\u00ed <strong>sazby proticyklick\u00e9 kapit\u00e1lov\u00e9 rezervy<\/strong> na \u00farovni <strong>2,5 %<\/strong>, kterou budou banky povinny dodr\u017eovat od 1. dubna 2023.<\/li>\n<li><strong>Finan\u010dn\u00ed sektor v \u010cR<\/strong> z\u016fst\u00e1v\u00e1 <strong>vysoce odoln\u00fd <\/strong>v\u016f\u010di zhor\u0161en\u00e9mu ekonomick\u00e9mu v\u00fdvoji.<\/li>\n<li><strong>Bankovn\u00ed sektor<\/strong> je dostate\u010dn\u011b kapit\u00e1lov\u011b vybaven pro absorpci \u0161ok\u016f i v p\u0159\u00edpad\u011b d\u00e9letrvaj\u00edc\u00edch ekonomick\u00fdch pot\u00ed\u017e\u00ed a klimatick\u00fdch \u0161ok\u016f.<\/li>\n<li><strong>Nebankovn\u00ed finan\u010dn\u00ed sektor<\/strong> (poji\u0161\u0165ovny, penzijn\u00ed fondy aj.) <strong>z\u016fst\u00e1v\u00e1 rovn\u011b\u017e odoln\u00fd<\/strong>.<\/li>\n<\/ul>\n<p><em>\u201eV dob\u011b, kdy je n\u00e1\u0161 hlavn\u00ed c\u00edl podstatn\u00e9 sn\u00ed\u017een\u00ed inflace, mus\u00edme b\u00fdt velmi p\u0159\u00edsn\u00ed a neslevovat v\u00a0n\u00e1roc\u00edch na banky i jejich klienty, aby vznikalo m\u00e9n\u011b dluh\u016f,\u201c<\/em> uvedl guvern\u00e9r \u010cNB Ale\u0161 Michl.<\/p>\n<p><strong>Bankovn\u00ed rada \u010cNB dnes rozhodla o ponech\u00e1n\u00ed horn\u00edch hranic ukazatel\u016f LTV, DTI a DSTI u\u00a0hypote\u010dn\u00edch \u00fav\u011br\u016f na \u00farovni platn\u00e9 od leto\u0161n\u00edho dubna<\/strong>. Toto rozhodnut\u00ed bylo zalo\u017eeno na posouzen\u00ed v\u00fdvoje finan\u010dn\u00edho cyklu, zranitelnosti bankovn\u00edho sektoru a ostatn\u00edch faktor\u016f, kter\u00e9 ovliv\u0148uj\u00ed jeho odolnost.<\/p>\n<p>\u201e<em>Nadhodnocen\u00e9 ceny nemovitost\u00ed, vy\u0161\u0161\u00ed \u00farokov\u00e9 sazby z\u00a0hypote\u010dn\u00edch \u00fav\u011br\u016f, dopad inflace a cen energi\u00ed na \u017eivotn\u00ed n\u00e1klady dom\u00e1cnost\u00ed, o\u010dek\u00e1van\u00e9 zpomalen\u00ed hospod\u00e1\u0159sk\u00e9 aktivity a v\u00fdznamn\u00e9 ekonomick\u00e9 a geopolitick\u00e9 nejistoty jsou faktory, kter\u00e9 v\u00a0sou\u010dasnosti zvy\u0161uj\u00ed rizika spojen\u00e1 s\u00a0poskytov\u00e1n\u00edm hypote\u010dn\u00edch \u00fav\u011br\u016f. I p\u0159es sou\u010dasn\u00fd pokles hypote\u010dn\u00ed \u00fav\u011brov\u00e9 aktivity je dal\u0161\u00ed p\u016fsoben\u00ed ukazatel\u016f LTV, DSTI a DTI d\u016fle\u017eit\u00e9 pro zachov\u00e1n\u00ed dlouhodob\u00e9 stability bank a\u00a0dom\u00e1cnost\u00ed,\u201c <\/em>uvedla po dne\u0161n\u00edm jedn\u00e1n\u00ed Karina Kubelkov\u00e1, \u010dlenka bankovn\u00ed rady \u010cNB dohl\u00ed\u017eej\u00edc\u00ed sekci finan\u010dn\u00ed stability. Ukazatel LTV tlum\u00ed rizika poklesu hodnoty z\u00e1stav, ukazatele DSTI a DTI p\u0159isp\u00edvaj\u00ed ke zvy\u0161ov\u00e1n\u00ed kvality \u00fav\u011brov\u00e9ho portfolia bank a stability dom\u00e1cnost\u00ed.<\/p>\n<p><em>Zpr\u00e1va o finan\u010dn\u00ed stabilit\u011b \u2013 podzim 2022<\/em> obsahuje rovn\u011b\u017e v\u00fdsledky z\u00e1t\u011b\u017eov\u00e9ho testu bankovn\u00edho sektoru zohled\u0148uj\u00edc\u00edho klimatick\u00e1 rizika. V\u00fdsledek dokladuje jeho schopnost ust\u00e1t del\u0161\u00ed obdob\u00ed siln\u011b negativn\u00edho v\u00fdvoje v\u010detn\u011b dopad\u016f klimatick\u00fdch rizik a politik, kter\u00e9 na n\u011b reaguj\u00ed. Do\u0161lo by v\u0161ak ke\u00a0zna\u010dn\u00e9mu n\u00e1r\u016fstu \u00fav\u011brov\u00fdch selh\u00e1n\u00ed a siln\u00e9mu oslaben\u00ed ziskovosti.<\/p>\n<p><em>\u201eV\u00fdchoz\u00ed pozice bankovn\u00edho sektoru je p\u0159\u00edzniv\u00e1. Jeho kl\u00ed\u010dov\u00fdm rizikem nicm\u00e9n\u011b z\u016fst\u00e1v\u00e1 dal\u0161\u00ed v\u00fdvoj kvality \u00fav\u011brov\u00e9ho portfolia. U toho sice pozorujeme sign\u00e1ly m\u00edrn\u00e9ho zhor\u0161ov\u00e1n\u00ed, prozat\u00edm ale nejsou doprov\u00e1zeny zv\u00fd\u0161en\u00fdmi \u00fav\u011brov\u00fdmi ztr\u00e1tami, jejich\u017e v\u010dasn\u00e9 a konzervativn\u00ed identifikaci bankami p\u0159ikl\u00e1d\u00e1 \u010cNB z\u00e1sadn\u00ed v\u00fdznam,\u201c <\/em>upozornil \u0159editel sekce finan\u010dn\u00ed stability \u010cNB Libor Holub.<\/p>\n<p><em>\u201eBankovn\u00ed sektor jako celek by plnil regulatorn\u00ed kapit\u00e1lov\u00e9 limity v\u00a0Z\u00e1kladn\u00edm sc\u00e9n\u00e1\u0159i v\u00fdvoje ekonomiky i\u00a0v hypotetick\u00e9m Nep\u0159\u00edzniv\u00e9m sc\u00e9n\u00e1\u0159i s\u00a0klimatick\u00fdmi riziky. Nicm\u00e9n\u011b dopad Nep\u0159\u00edzniv\u00e9ho sc\u00e9n\u00e1\u0159e do kapit\u00e1lov\u00e9ho vybaven\u00ed bank by byl velmi citeln\u00fd a zv\u00fdraznil by v\u00fdznam kapit\u00e1lov\u00fdch rezerv. Siln\u00e9 nejistoty ohledn\u011b dal\u0161\u00edho v\u00fdvoje dom\u00e1c\u00ed i sv\u011btov\u00e9 ekonomiky a soub\u011bh \u0159ady rizik vy\u017eaduj\u00ed od bank vysokou m\u00edru obez\u0159etnosti p\u0159i \u0159\u00edzen\u00ed bilanc\u00ed, rizik i kapit\u00e1lu, v\u010detn\u011b dividendov\u00e9 politiky,\u201c<\/em> doplnil.<\/p>\n<p><strong>Bankovn\u00ed rada dnes rovn\u011b\u017e rozhodla o ponech\u00e1n\u00ed sazby proticyklick\u00e9 kapit\u00e1lov\u00e9 rezervy na \u00farovni 2,5 %, kterou budou banky povinny dodr\u017eovat od 1. dubna 2023.<\/strong> Do t\u00e9 doby bude sazba proticyklick\u00e9 kapit\u00e1lov\u00e9 rezervy postupn\u011b nar\u016fstat ze sou\u010dasn\u00e9 \u00farovn\u011b 1,5 % v souladu s\u00a0d\u0159\u00edve u\u010din\u011bn\u00fdmi rozhodnut\u00edmi. Bankovn\u00ed rada v\u00a0tomto rozhodnut\u00ed zohlednila vysok\u00fd objem d\u0159\u00edve p\u0159ijat\u00fdch rizik v bilanci bankovn\u00edho sektoru, absenci materi\u00e1ln\u00edch \u00fav\u011brov\u00fdch ztr\u00e1t, zhor\u0161en\u00fd v\u00fdhled v\u00fdvoje ekonomiky a rychlou \u00fav\u011brovou dynamiku zejm\u00e9na cizom\u011bnov\u00fdch \u00fav\u011br\u016f nefinan\u010dn\u00edm podnik\u016fm. Bankovn\u00ed rada rovn\u011b\u017e p\u0159ihl\u00e9dla k sou\u010dasn\u00fdm geopolitick\u00fdm a makroekonomick\u00fdm nejistot\u00e1m, kter\u00e9 vytv\u00e1\u0159\u00ed prostor pro n\u00e1hlou a silnou materializaci d\u0159\u00edve p\u0159ijat\u00fdch rizik.<\/p>\n<p>\u010cNB je p\u0159ipravena pru\u017en\u011b reagovat v p\u0159\u00edpad\u011b neo\u010dek\u00e1van\u00fdch a siln\u00fdch nep\u0159\u00edzniv\u00fdch \u0161ok\u016f.<\/p>\n<p><em>\u201eV p\u0159\u00edpad\u011b zhor\u0161en\u00ed ekonomick\u00e9 situace a vzniku v\u00fdznamn\u00fdch \u00fav\u011brov\u00fdch ztr\u00e1t v dom\u00e1c\u00edm bankovn\u00edm sektoru je \u010cNB p\u0159ipravena sazbu rezervy sn\u00ed\u017eit, p\u0159\u00edpadn\u011b rezervu zcela rozpustit s\u00a0c\u00edlem pokr\u00fdt vznikl\u00e9 ztr\u00e1ty a podpo\u0159it schopnost bank plynule \u00fav\u011brovat re\u00e1lnou ekonomiku,\u201c<\/em> zd\u016fraznila \u010dlenka bankovn\u00ed rady Kubelkov\u00e1.<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Bankovn\u00ed rada \u010cesk\u00e9 n\u00e1rodn\u00ed banky dnes projednala Zpr\u00e1vu o finan\u010dn\u00ed stabilit\u011b \u2013 podzim 2022, kter\u00e1 hodnot\u00ed zdrav\u00ed dom\u00e1c\u00edho finan\u010dn\u00edho sektoru a jeho odolnost v\u016f\u010di nep\u0159\u00edzniv\u00fdm <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=275\" title=\"\u010cNB potvrdila nastaven\u00ed limit\u016f pro hypote\u010dn\u00ed \u00fav\u011bry\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":276,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-275","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\/275","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=275"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/275\/revisions"}],"predecessor-version":[{"id":277,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/275\/revisions\/277"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/276"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=275"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=275"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=275"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}