[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.wamba.cz\/americka-hypoteka-je-jednim-ze-zpusobu-jak-lide-resi-vlastni-bydleni\/#Article","mainEntityOfPage":"https:\/\/www.wamba.cz\/americka-hypoteka-je-jednim-ze-zpusobu-jak-lide-resi-vlastni-bydleni\/","headline":"Americk\u00e1 hypot\u00e9ka je jedn\u00edm ze zp\u016fsob\u016f, jak lid\u00e9 \u0159e\u0161\u00ed vlastn\u00ed bydlen\u00ed","name":"Americk\u00e1 hypot\u00e9ka je jedn\u00edm ze zp\u016fsob\u016f, jak lid\u00e9 \u0159e\u0161\u00ed vlastn\u00ed bydlen\u00ed","description":"Ka\u017ed\u00fd finan\u010dn\u00ed produkt m\u00e1 sv\u00e9 v\u00fdhody i nev\u00fdhody, nem\u016f\u017eeme tedy tvrdit, \u017ee by bylo n\u011bco pouze \u0161patn\u00e9, a n\u011bco jen v\u00fdjime\u010dn\u00e9 a bezprobl\u00e9mov\u00e9. Jedn\u00e1 se o klasick\u00fd hypote\u010dn\u00ed \u00fav\u011br, kter\u00fd je bez\u00fa\u010delov\u00fd, a kter\u00fd se zaji\u0161\u0165uje z\u00e1stavn\u00edm pr\u00e1vem. Existuj\u00ed v\u0161ak i produkty tzv. bez registru, kter\u00e9 se zaji\u0161\u0165uj\u00ed jin\u00fdm zp\u016fsobem. V z\u00e1sad\u011b ov\u0161em plat\u00ed, \u017ee… ","datePublished":"2018-04-17","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.wamba.cz\/author\/#Person","name":"wamba.cz\n","url":"https:\/\/www.wamba.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f08fec9e5d161146672022190172bcb121f980bd7a64f251ea643f4b19d0f071?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f08fec9e5d161146672022190172bcb121f980bd7a64f251ea643f4b19d0f071?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"wamba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.wamba.cz\/wp-content\/uploads\/img_a315614_w2445_t1526457214.jpg","url":"https:\/\/www.wamba.cz\/wp-content\/uploads\/img_a315614_w2445_t1526457214.jpg","height":0,"width":0},"url":"https:\/\/www.wamba.cz\/americka-hypoteka-je-jednim-ze-zpusobu-jak-lide-resi-vlastni-bydleni\/","about":["Domov"],"wordCount":532,"articleBody":"                      Ka\u017ed\u00fd finan\u010dn\u00ed produkt m\u00e1 sv\u00e9 v\u00fdhody i nev\u00fdhody, nem\u016f\u017eeme tedy tvrdit, \u017ee by bylo n\u011bco pouze \u0161patn\u00e9, a n\u011bco jen v\u00fdjime\u010dn\u00e9 a bezprobl\u00e9mov\u00e9. Jedn\u00e1 se o klasick\u00fd hypote\u010dn\u00ed \u00fav\u011br, kter\u00fd je bez\u00fa\u010delov\u00fd, a kter\u00fd se zaji\u0161\u0165uje z\u00e1stavn\u00edm pr\u00e1vem. Existuj\u00ed v\u0161ak i produkty tzv. bez registru, kter\u00e9 se zaji\u0161\u0165uj\u00ed jin\u00fdm zp\u016fsobem. V z\u00e1sad\u011b ov\u0161em plat\u00ed, \u017ee t\u00edmto zp\u016fsobem lze uspokojit materi\u00e1ln\u00ed pot\u0159eby klient\u016f, ani\u017e by bylo nutno prokazovat, k \u010demu pen\u00edze pot\u0159ebujete. M\u016f\u017ee to b\u00fdt cokoliv, krom\u011b n\u00e1kupu nemovitosti nap\u0159. po\u0159\u00edzen\u00ed jak\u00e9hokoliv pozemku, proveden\u00ed rekonstrukce objektu atd. V\u00fdhody americk\u00fdch hypot\u00e9k \u00b7 Poskytovatel \u00fav\u011bru nevy\u017eaduje uv\u00e1d\u011bt d\u016fvod, ani c\u00edl financov\u00e1n\u00ed, pouze bankovn\u00ed sektor po\u017eaduje dolo\u017eit, \u017ee se nejedn\u00e1 o podnikatelsk\u00fd z\u00e1m\u011br. \u00b7 Nejsou vy\u017eadov\u00e1ny doklady (faktury) z \u010derp\u00e1n\u00ed \u00fav\u011bru, tedy p\u0159edev\u0161\u00edm ze zakoupen\u00ed dom\u00e1c\u00edch spot\u0159ebi\u010d\u016f, n\u00e1\u0159ad\u00ed, automobilu, stavebn\u00edho materi\u00e1lu, stavebn\u00ed parcely, nebo jin\u00e9ho druhu pozemku atd. \u00b7 Maj\u00ed v\u017edy ni\u017e\u0161\u00ed \u00farokovou sazbu v porovn\u00e1n\u00ed s b\u011b\u017en\u00fdmi spot\u0159ebitelsk\u00fdmi \u00fav\u011bry. Jde o to, \u017ee zaji\u0161t\u011bn\u00ed nemovitosti z\u00e1stavn\u00edm pr\u00e1vem p\u0159edstavuje pro bankovn\u00ed i nebankovn\u00ed spole\u010dnosti ni\u017e\u0161\u00ed m\u00edru rizika, a t\u00edm p\u00e1dem je mo\u017en\u00e9 nastavit pro klienta p\u0159ijateln\u011bj\u0161\u00ed \u00farok. \u00b7 V\u00fdhodou je i zap\u016fj\u010den\u00ed pom\u011brn\u011b vysok\u00e9 \u010d\u00e1stky, ur\u010dit\u00fdm omezen\u00edm je ov\u0161em jej\u00ed z\u00e1vislost na hodnot\u011b zastav\u011bn\u00e9 nemovitosti. V\u011bt\u0161inou to b\u00fdv\u00e1 70 procent hodnoty z\u00e1stavy. \u00b7 Spl\u00e1tky lze rovnom\u011brn\u011b rozlo\u017eit na pom\u011brn\u011b dlouhou dobu, v\u011bt\u0161inou na 15 \u2013 20 let. V\u0161echny spole\u010dnosti t\u00edm p\u00e1dem zaj\u00edm\u00e1 v\u011bk \u017eadatele o \u00fav\u011br, tedy schopnost dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm. N\u011bkdy v\u0161ak ani v\u011bk nemus\u00ed p\u0159edstavovat probl\u00e9m, podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru se v\u011bt\u0161inou \u0159e\u0161\u00ed individu\u00e1ln\u011b. V\u00fdjimkou nejsou ani p\u0159\u00edpady, kdy lid\u00e9 spl\u00e1c\u00ed hypot\u00e9ku do 75 let. \u00b7 Nemovitost zat\u00ed\u017eenou t\u00edmto typem \u00fav\u011bru lze prodat (sankce b\u00fdv\u00e1 zhruba kolem jednoho procenta \u00fav\u011brov\u00e9 \u010d\u00e1stky). \u00b7 N\u011bkter\u00e9 banky a nebankovn\u00ed spole\u010dnosti umo\u017e\u0148uj\u00ed americkou hypot\u00e9ku splatit p\u0159ed\u010dasn\u011b bez sankc\u00ed, co\u017e zpravidla nen\u00ed mo\u017en\u00e9 u klasick\u00fdch hypote\u010dn\u00edch \u00fav\u011br\u016f. \u00daskal\u00ed a nev\u00fdhody \u00b7 Vy\u0161\u0161\u00ed \u00farokov\u00e9 sazby ve srovn\u00e1n\u00ed s klasick\u00fdmi hypote\u010dn\u00edmi \u00fa\u010delov\u00fdmi \u00fav\u011bry. \u00b7 N\u011bkte\u0159\u00ed poskytovatel\u00e9 maj\u00ed nastaven horn\u00ed limit \u010derp\u00e1n\u00ed \u00fav\u011bru, kter\u00fd nen\u00ed z\u00e1visl\u00fd na cen\u011b zastavovan\u00e9 nemovitosti. Doln\u00ed limit b\u00fdv\u00e1 v\u011bt\u0161inou 100 tis\u00edc korun. \u00b7 Klient ru\u010d\u00ed svou nemovitost\u00ed, kter\u00e1 je zastav\u011bna ve prosp\u011bch v\u011b\u0159itele. Ka\u017ed\u00e1 hypot\u00e9ka je b\u011bh na dlouhou tra\u0165 a v\u017edy je zde ur\u010dit\u00e9 riziko jej\u00ed ztr\u00e1ty. Proto se vypl\u00e1c\u00ed pe\u010dliv\u011b zv\u00e1\u017eit v\u0161echna pro a proti, p\u0159ece jen se jedn\u00e1 o dlouhodob\u00fd proces pravideln\u00fdch spl\u00e1tek.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Americk\u00e1 hypot\u00e9ka je jedn\u00edm ze zp\u016fsob\u016f, jak lid\u00e9 \u0159e\u0161\u00ed vlastn\u00ed bydlen\u00ed","item":"https:\/\/www.wamba.cz\/americka-hypoteka-je-jednim-ze-zpusobu-jak-lide-resi-vlastni-bydleni\/#breadcrumbitem"}]}]