[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kskri.cz\/hypoteky-se-zapornou-vysi-urokove-sazby-se-blizi-na-trh\/#Article","mainEntityOfPage":"https:\/\/www.kskri.cz\/hypoteky-se-zapornou-vysi-urokove-sazby-se-blizi-na-trh\/","headline":"Hypot\u00e9ky se z\u00e1pornou v\u00fd\u0161\u00ed \u00farokov\u00e9 sazby se bl\u00ed\u017e\u00ed na trh","name":"Hypot\u00e9ky se z\u00e1pornou v\u00fd\u0161\u00ed \u00farokov\u00e9 sazby se bl\u00ed\u017e\u00ed na trh","description":"I kdy\u017e v\u00fdkon kles\u00e1, st\u00e1le investo\u0159i jako zb\u011bsil\u00ed dluhopisy nakupuj\u00ed. Jejich cena pak dramaticky roste. […]","datePublished":"2019-09-15","dateModified":"2023-05-24","author":{"@type":"Person","@id":"https:\/\/www.kskri.cz\/author\/#Person","name":"","url":"https:\/\/www.kskri.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/64d58fab86512053c8bb518a6563e7284bb4a3422dc9af0106c3f39575364c7b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/64d58fab86512053c8bb518a6563e7284bb4a3422dc9af0106c3f39575364c7b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kskri.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kskri.cz\/wp-content\/uploads\/img_a355342_w3340_t1569682557.jpg","url":"https:\/\/www.kskri.cz\/wp-content\/uploads\/img_a355342_w3340_t1569682557.jpg","height":0,"width":0},"url":"https:\/\/www.kskri.cz\/hypoteky-se-zapornou-vysi-urokove-sazby-se-blizi-na-trh\/","about":["Ekonomika"],"wordCount":459,"articleBody":"I kdy\u017e v\u00fdkon kles\u00e1, st\u00e1le investo\u0159i jako zb\u011bsil\u00ed dluhopisy nakupuj\u00ed. Jejich cena pak dramaticky roste. Co toto chov\u00e1n\u00ed nazna\u010duje?St\u00e1tn\u00ed dluhopisy v zem\u00edch, ve kter\u00fdch je kvalitn\u00ed investi\u010dn\u00ed rating (to je nap\u0159\u00edklad USA \u010di N\u011bmecko), se ozna\u010duj\u00ed za tak zvan\u00e9 bezrizikov\u00e9 aktivum. Dalo by se \u0159\u00edci, \u017ee pr\u00e1ce investor\u016f spo\u010d\u00edv\u00e1 v tom, \u017ee s rizikov\u00fdch aktiv se p\u0159esouv\u00e1 pr\u00e1v\u011b na tuto formu aktiv. Mezi rizikov\u00e1 aktiva \u0159ad\u00edme nap\u0159\u00edklad akcie.Tento p\u0159\u00edstup je v\u0161ak zcela logick\u00fd, nebo\u0165 celosv\u011btov\u011b moment\u00e1ln\u011b s\u00edl\u00ed obavy z p\u0159\u00edchodu recese. Na tuto hrozby ji\u017e reaguj\u00ed n\u011bjakou dobu i centr\u00e1ln\u00ed banky a sni\u017euj\u00ed jako prvn\u00ed \u00farokov\u00e9 sazby.I kdy\u017e nebudete m\u00edt \u017e\u00e1dn\u00e9 ekonomick\u00e9 vzd\u011bl\u00e1n\u00ed, jist\u011b byste dok\u00e1zali zodpov\u011bd\u011bt ot\u00e1zku, zda z\u00e1porn\u00e9 \u00faroky jsou pr\u00e1v\u011b v souladu se z\u00e1kladn\u00edmi ekonomick\u00fdmi principu. To znamen\u00e1, jednodu\u0161e \u0159e\u010deno, vy si p\u016fj\u010d\u00edte, a je\u0161t\u011b za to dostanete zaplaceno. Tro\u0161ku se to zd\u00e1 pro n\u00e1s, jako poh\u00e1dka, ve kter\u00e9 je v\u0161echno opa\u010dn\u011b, ale v podstat\u011b o tom v\u0161ichni sn\u00edme.Tak je na \u010dase p\u0159estat sn\u00edt, proto\u017ee toto se aktu\u00e1ln\u011b d\u011bje. Pro cel\u00fd finan\u010dn\u00ed trh je to v\u0161ak nikoli sen, ale tot\u00e1ln\u00ed no\u010dn\u00ed m\u016fra. Ov\u0161em na trhu se ji\u017e objevila reakce na tuto nastalou situaci a jedna z d\u00e1nsk\u00fdch bank na trhu ozn\u00e1mila, \u017ee za\u010dne poskytovat hypot\u00e9ky na dobu deseti let s \u00farokem –0,5 %.Kdy\u017e se analytici pod\u00edvali je\u0161t\u011b d\u00e1l, zjistili, \u017ee i Nordea m\u00e1 v pl\u00e1nu aktu\u00e1ln\u011b poskytovat hypot\u00e9ky s t\u00edmto \u00farokem, ale jej\u00ed odvaha je je\u0161t\u011b v\u011bt\u0161\u00ed, proto\u017ee se rozhodli pro obdob\u00ed t\u0159iceti let!Odborn\u00edci se shoduj\u00ed na tom, \u017ee pokud budou poklesy v\u00fdnos\u016f st\u00e1tn\u00edch dluhopis\u016f pokra\u010dovat nebo pokud alespo\u0148 setrvaj\u00ed v negativn\u00edm p\u00e1su, n\u00edzk\u00e9 \u00farokov\u00e9 sazby budou je\u0161t\u011b podpo\u0159eny centr\u00e1ln\u00edmi bankami, nen\u00ed model z\u00e1porn\u00fdch hodnot na \u00faroc\u00edch prakticky \u017e\u00e1dnou utopi\u00ed.Jeden z vin\u00edk\u016f situaceJedn\u00edm z faktor\u016f, kter\u00fd tuto situaci m\u00e1 na sv\u011bdom\u00ed, je, \u017ee se sna\u017e\u00edme ji\u017e v tuto chv\u00edli \u0159e\u0161it finan\u010dn\u00ed krizi a \u0159e\u0161it jej\u00ed \u0161\u00edlen\u00fd dopad, kter\u00fd by n\u00e1s mohl \u010dekat. Aby se dalo p\u0159edej\u00edt recesi a z\u00e1rove\u0148 nastartovat hospod\u00e1\u0159sk\u00fd r\u016fst a dr\u017eet infla\u010dn\u00ed c\u00edle, je pot\u0159eba sn\u00ed\u017eit ze strany bank\u00e9\u0159\u016f \u00farokov\u00e9 sazby a\u017e k nule \u010di dokonce pr\u00e1v\u011b n\u00ed\u017ee.                                                                                                                                                                                                                                                                                                                                                                                        3.7\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ky se z\u00e1pornou v\u00fd\u0161\u00ed \u00farokov\u00e9 sazby se bl\u00ed\u017e\u00ed na trh","item":"https:\/\/www.kskri.cz\/hypoteky-se-zapornou-vysi-urokove-sazby-se-blizi-na-trh\/#breadcrumbitem"}]}]