Stručně, jasně: Situace s hypotékami, superhrubá mzda a jak to souvisí

Koronavirus hraje do karet těm, co uvažují o hypotéce. Co se děje na hypotečním trhu a jak to souvisí se zrušením superhrubé mzdy? Na nejčastější otázky odpovídá Veronika Hegerová, finanční specialistka Hyponamiru.cz.

Jak se zrušení superhrubé mzdy obecně odrazí na hypotečním trhu?

Obecně se odrazí primárně u zaměstnanců. Na účet budou tito klienti dostávat více peněz, tj. budou mít pro banku vyšší prokazatelné příjmy. Efekt tohoto kroku se samozřejmě projeví později, protože bankám se dokládá průměr min. za 3 měsíce, nejčastější je průměr za posledních 12 měsíců. Bude tedy pár měsíc trvat, než se navýšení projeví.

Jaká je pravděpodobnost, že lidé, kteří dříve na hypotéku jen těsně nesáhli budou mít od února větší šanci jí získat?

Od února zatím ještě žádná – zvýšení se v průměrném příjmu projeví až za několik měsíců.

Pokud bude tedy nyní větší šance získat hypotéku. Může to znamenat i zdražení nemovitostí?

Ceny nemovitostí rostou bez ohledu na tyto kroky, nicméně pro některé prodávající to může být argument, proč nabízet svoji nemovitost za vyšší cenu. Z jejich pohledu bude mít kupující k dispozici více finančních prostředků, ze kterých může hypotéku splácet a které může bance předložit pro schválení výše hypotéky. Podobným impulsem mohlo být I zrušení daně z nabytí nemovitosti – o tuto daň jsou někdy prodejní ceny nemovitostí navyšovány.

Vítají banky zrušení superhrubé mzdy?

Banka vítá zejména stabilní a dlouhodobý příjem, pokud bude nyní o kousek vyšší díky této úpravě, bude to pro ni důvod schválit hypotéku snadněji, protože výhled splácení bude díky větší fin. rezervě a příjmu klienta lepší.

Jak budou banky přistupovat k žadatelům o hypotéku z řad OSVČ, které se přihlásili k paušální dani?

Zatím se čeká na stanovisko bank, jak k těmto žadatelům budou přistupovat. Samy banky hledají cestu, jak tyto příjmy posuzovat, protože ČNB jim ukládá příjmovou stránku klienta náležitě prověřit, což nastavení paušální daně nedovoluje úplně dobře. Vyjádření bank jsou zatím takové, že kdo chce mít v roce 2022 „záruku“ uznání příjmu za rok 2021, doporučuje se danit jako doposud, tj. neuplatňovat paušální daň.

Jak se nyní banky chovají k žadatelům o hypotéku? Jsou stále „riziková“ povolání, která žádosti o hypotéky „kazí“? 

Ano, protože se koronavirová situace v ČR nelepší, stále jsou profese, které banky nechtějí financovat – nadále je to oblast cestovního ruchu, gastronomie, pohostinství, letectví, kultury apod.

Zdroj: Tisková zpráva

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