Aktuální sazby hypoték září 2026
Přehled sazeb 11 bank přímo z Hyponik Srovnávače, ne z ceníků. Modelový případ: byt za 6 000 000 Kč, úvěr 4 800 000 Kč (LTV 80 %), splatnost 30 let. Aktualizujeme každý pracovní den.
Sazby jsou orientační. Konkrétní nabídka závisí na LTV, příjmech a bance.
| Banka | Sazba od | Fixace | Měsíční splátka | Zaplatíte za fixaci | Akce |
|---|---|---|---|---|---|
 | 4,78 % | 3 roky | 25 130 Kč | 904 700 Kč | Spočítat pro mě |
 | 4,79 % | 3 roky | 25 150 Kč | 905 400 Kč | Spočítat pro mě |
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 | 4,89 % | 3 roky | 25 450 Kč | 916 200 Kč | Spočítat pro mě |
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 | 4,99 % | 3 roky | 25 740 Kč | 926 600 Kč | Spočítat pro mě |
 | 5,09 % | 3 roky | 26 030 Kč | 937 100 Kč | Spočítat pro mě |
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 | 5,29 % | 3 roky | 26 620 Kč | 958 300 Kč | Spočítat pro mě |
- 4,78 %
- Fixace
- 3 roky
- Splátka
- 25 130 Kč
- Za fixaci
- 904 700 Kč
- 4,79 %
- Fixace
- 3 roky
- Splátka
- 25 150 Kč
- Za fixaci
- 905 400 Kč
- 4,79 %
- Fixace
- 3 roky
- Splátka
- 25 150 Kč
- Za fixaci
- 905 400 Kč
- 4,89 %
- Fixace
- 3 roky
- Splátka
- 25 450 Kč
- Za fixaci
- 916 200 Kč
- 4,89 %
- Fixace
- 3 roky
- Splátka
- 25 450 Kč
- Za fixaci
- 916 200 Kč
- 4,99 %
- Fixace
- 3 roky
- Splátka
- 25 740 Kč
- Za fixaci
- 926 600 Kč
- 4,99 %
- Fixace
- 3 roky
- Splátka
- 25 740 Kč
- Za fixaci
- 926 600 Kč
- 5,09 %
- Fixace
- 3 roky
- Splátka
- 26 030 Kč
- Za fixaci
- 937 100 Kč
- 5,19 %
- Fixace
- 3 roky
- Splátka
- 26 330 Kč
- Za fixaci
- 947 900 Kč
- 5,29 %
- Fixace
- 3 roky
- Splátka
- 26 620 Kč
- Za fixaci
- 958 300 Kč
- 5,29 %
- Fixace
- 3 roky
- Splátka
- 26 620 Kč
- Za fixaci
- 958 300 Kč
Jak sazby počítáme
Jak sazby vznikají
Stejný srovnávač, který používáte po zadání vlastních čísel. Nepřepisujeme ceníky bank, počítáme nabídku pro modelový případ.
Proč se liší od pobočky
Banka na pobočce nabídne ceníkovou sazbu. Vyjednaná sazba přes zprostředkovatele bývá nižší o 0,2 až 0,5 %.
Co ovlivní vaši sazbu
LTV, výše příjmů, délka fixace a to, zda máte u banky účet nebo pojištění. Konkrétní nabídku uvidíte za 2 minuty.
Nejčastější otázky k sazbám
Každý pracovní den ráno. U tabulky vidíte čas poslední aktualizace. Když banka změní sazebník během dne, promítne se to nejpozději další pracovní den.
Zjistěte sazbu pro vaši nemovitost
Zadáte cenu a výši úvěru, uvidíte nabídky 11 bank.