Z\u00edsk\u00e1n\u00ed hypot\u00e9ky v Praze nez\u00e1vis\u00ed pouze na v\u00fd\u0161i p\u0159\u00edjmu nebo cen\u011b nemovitosti. \u010cesk\u00e9 banky posuzuj\u00ed p\u0159edev\u0161\u00edm pom\u011br mezi po\u017eadovanou v\u00fd\u0161\u00ed \u00fav\u011bru, hodnotou nemovitosti a schopnost\u00ed \u017eadatele dlouhodob\u011b spl\u00e1cet m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky.<\/p>\n
Mezi nejd\u016fle\u017eit\u011bj\u0161\u00ed ukazatele pat\u0159\u00ed Loan-to-Value neboli LTV<\/strong> a Debt Service-to-Income neboli DSTI<\/strong>. Pravidla jsou stanovena na celost\u00e1tn\u00ed \u00farovni, tak\u017ee pro Prahu neplat\u00ed zvl\u00e1\u0161tn\u00ed limity. Vy\u0161\u0161\u00ed ceny nemovitost\u00ed v hlavn\u00edm m\u011bst\u011b v\u0161ak zp\u016fsobuj\u00ed, \u017ee jsou tyto parametry pro kupuj\u00edc\u00ed obzvl\u00e1\u0161\u0165 d\u016fle\u017eit\u00e9.<\/p>\n V roce 2026 \u010cesk\u00e1 n\u00e1rodn\u00ed banka nad\u00e1le uplat\u0148uje z\u00e1vazn\u00fd limit LTV, zat\u00edmco obecn\u00e9 limity DSTI a DTI z\u016fst\u00e1vaj\u00ed deaktivovan\u00e9. Banky v\u0161ak tyto ukazatele st\u00e1le po\u010d\u00edtaj\u00ed v r\u00e1mci vlastn\u00edho posouzen\u00ed \u00fav\u011bruschopnosti klienta.<\/p>\n Ukazatel Loan-to-Value<\/strong> vyjad\u0159uje, jakou \u010d\u00e1st hodnoty nemovitosti financuje banka.<\/p>\n V\u00fdpo\u010det je n\u00e1sleduj\u00edc\u00ed:<\/p>\n LTV = v\u00fd\u0161e hypot\u00e9ky \/ hodnota zastaven\u00e9 nemovitosti \u00d7 100<\/strong><\/p>\n P\u0159i koupi nemovitosti ur\u010den\u00e9 k vlastn\u00edmu bydlen\u00ed je obecn\u00fd limit LTV stanoven na 80 %<\/strong>. Kupuj\u00edc\u00ed proto mus\u00ed obvykle financovat alespo\u0148 20 % hodnoty nemovitosti z vlastn\u00edch prost\u0159edk\u016f.<\/p>\n Pokud je nap\u0159\u00edklad byt ocen\u011bn na 10 000 000 K\u010d<\/strong>, standardn\u00ed maxim\u00e1ln\u00ed v\u00fd\u0161e hypot\u00e9ky bude p\u0159ibli\u017en\u011b 8 000 000 K\u010d<\/strong>. Kupuj\u00edc\u00ed tedy mus\u00ed m\u00edt alespo\u0148 2 000 000 K\u010d<\/strong> z vlastn\u00edch zdroj\u016f, a to bez zapo\u010dten\u00ed dal\u0161\u00edch n\u00e1klad\u016f spojen\u00fdch s koup\u00ed.<\/p>\n U \u017eadatel\u016f mlad\u0161\u00edch 36 let, kte\u0159\u00ed kupuj\u00ed nemovitost pro vlastn\u00ed bydlen\u00ed, m\u016f\u017ee limit LTV dos\u00e1hnout a\u017e 90 %<\/strong>. Ve stejn\u00e9m p\u0159\u00edkladu by tak hypot\u00e9ka mohla \u010dinit a\u017e 9 000 000 K\u010d.<\/p>\n Banka vych\u00e1z\u00ed z hodnoty stanoven\u00e9 vlastn\u00edm odhadem nemovitosti. Pokud je bankovn\u00ed odhad ni\u017e\u0161\u00ed ne\u017e kupn\u00ed cena dohodnut\u00e1 s prod\u00e1vaj\u00edc\u00edm, mus\u00ed kupuj\u00edc\u00ed dodat v\u00edce vlastn\u00edch prost\u0159edk\u016f.<\/p>\n Ukazatel Debt Service-to-Income<\/strong> vyjad\u0159uje pom\u011br mezi v\u0161emi m\u011bs\u00ed\u010dn\u00edmi spl\u00e1tkami \u017eadatele a jeho \u010dist\u00fdm m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmem.<\/p>\n V\u00fdpo\u010det je n\u00e1sleduj\u00edc\u00ed:<\/p>\n DSTI = celkov\u00e9 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky \/ \u010dist\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem \u00d7 100<\/strong><\/p>\n \u017dadatel s \u010dist\u00fdm m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmem 80 000 K\u010d<\/strong>, budouc\u00ed spl\u00e1tkou hypot\u00e9ky ve v\u00fd\u0161i 32 000 K\u010d a spl\u00e1tkou \u00fav\u011bru na automobil ve v\u00fd\u0161i 5 000 K\u010d bude m\u00edt DSTI 46,25 %.<\/p>\n V sou\u010dasnosti \u010cesk\u00e1 n\u00e1rodn\u00ed banka nestanovuje obecn\u00fd z\u00e1vazn\u00fd limit DSTI. To v\u0161ak neznamen\u00e1, \u017ee tento ukazatel nen\u00ed d\u016fle\u017eit\u00fd. Ka\u017ed\u00e1 banka pou\u017e\u00edv\u00e1 vlastn\u00ed intern\u00ed limity a posuzuje tak\u00e9 v\u00fddaje dom\u00e1cnosti, po\u010det vy\u017eivovan\u00fdch osob, kreditn\u00ed karty, st\u00e1vaj\u00edc\u00ed \u00fav\u011bry, dobu splatnosti hypot\u00e9ky a mo\u017en\u00e9 zv\u00fd\u0161en\u00ed \u00farokov\u00fdch sazeb.<\/p>\n Od 1. dubna 2026<\/strong> doporu\u010duje \u010cesk\u00e1 n\u00e1rodn\u00ed banka p\u0159\u00edsn\u011bj\u0161\u00ed podm\u00ednky pro hypot\u00e9ky ur\u010den\u00e9 k n\u00e1kupu nemovitost\u00ed k pron\u00e1jmu a tak\u00e9 p\u0159i koupi t\u0159et\u00ed nebo dal\u0161\u00ed reziden\u010dn\u00ed nemovitosti.<\/p>\n V t\u011bchto p\u0159\u00edpadech by banky m\u011bly uplat\u0148ovat maxim\u00e1ln\u00ed LTV ve v\u00fd\u0161i 70 %<\/strong> a maxim\u00e1ln\u00ed DTI ve v\u00fd\u0161i 7<\/strong>, kter\u00e9 se vypo\u010d\u00edt\u00e1v\u00e1 jako pom\u011br celkov\u00e9ho dluhu k ro\u010dn\u00edmu \u010dist\u00e9mu p\u0159\u00edjmu \u017eadatele.<\/p>\n U nemovitosti ocen\u011bn\u00e9 na 10 000 000 K\u010d tak m\u016f\u017ee b\u00fdt nutn\u00e9 financovat alespo\u0148 3 000 000 K\u010d z vlastn\u00edch zdroj\u016f.<\/p>\n P\u0159ed hled\u00e1n\u00edm bytu v Praze je proto vhodn\u00e9 spo\u010d\u00edtat nejen dostupnou v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky, ale tak\u00e9 v\u00fdsledn\u00e9 LTV podle p\u0159edpokl\u00e1dan\u00e9ho bankovn\u00edho odhadu. Dostate\u010dn\u00fd p\u0159\u00edjem nemus\u00ed v\u017edy vykompenzovat n\u00edzk\u00e9 vlastn\u00ed \u00faspory a ani vysok\u00fd vlastn\u00ed kapit\u00e1l nezaru\u010duje schv\u00e1len\u00ed hypot\u00e9ky, pokud spl\u00e1tky p\u0159\u00edli\u0161 zat\u011b\u017euj\u00ed rozpo\u010det dom\u00e1cnosti.<\/p>\n","protected":false},"excerpt":{"rendered":" Jak banky posuzuj\u00ed \u017e\u00e1dost o hypot\u00e9ku v Praze Z\u00edsk\u00e1n\u00ed hypot\u00e9ky v Praze nez\u00e1vis\u00ed pouze na v\u00fd\u0161i p\u0159\u00edjmu nebo cen\u011b nemovitosti. \u010cesk\u00e9 banky posuzuj\u00ed p\u0159edev\u0161\u00edm pom\u011br…<\/p>\n","protected":false},"author":4,"featured_media":63591,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[132],"tags":[726,724,725],"class_list":["post-63597","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-dsti","tag-hypoteky-v-praze","tag-ltv"],"_links":{"self":[{"href":"https:\/\/www.dreamville.cz\/cs\/wp-json\/wp\/v2\/posts\/63597","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dreamville.cz\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.dreamville.cz\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.dreamville.cz\/cs\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dreamville.cz\/cs\/wp-json\/wp\/v2\/comments?post=63597"}],"version-history":[{"count":1,"href":"https:\/\/www.dreamville.cz\/cs\/wp-json\/wp\/v2\/posts\/63597\/revisions"}],"predecessor-version":[{"id":63598,"href":"https:\/\/www.dreamville.cz\/cs\/wp-json\/wp\/v2\/posts\/63597\/revisions\/63598"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dreamville.cz\/cs\/wp-json\/wp\/v2\/media\/63591"}],"wp:attachment":[{"href":"https:\/\/www.dreamville.cz\/cs\/wp-json\/wp\/v2\/media?parent=63597"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dreamville.cz\/cs\/wp-json\/wp\/v2\/categories?post=63597"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dreamville.cz\/cs\/wp-json\/wp\/v2\/tags?post=63597"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}LTV: Kolik vlastn\u00edch prost\u0159edk\u016f pot\u0159ebujete<\/h2>\n
DSTI: Jak velkou \u010d\u00e1st p\u0159\u00edjmu tvo\u0159\u00ed spl\u00e1tky<\/h2>\n
P\u0159\u00edsn\u011bj\u0161\u00ed pravidla pro investi\u010dn\u00ed nemovitosti<\/h2>\n