[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ebiotop.cz\/americka-hypoteka-jako-prostredek-ke-splneni-snu\/#Article","mainEntityOfPage":"https:\/\/www.ebiotop.cz\/americka-hypoteka-jako-prostredek-ke-splneni-snu\/","headline":"Americk\u00e1 hypot\u00e9ka jako prost\u0159edek ke spln\u011bn\u00ed sn\u016f","name":"Americk\u00e1 hypot\u00e9ka jako prost\u0159edek ke spln\u011bn\u00ed sn\u016f","description":"Klasickou hypot\u00e9ku na bydlen\u00ed asi nen\u00ed zapot\u0159eb\u00ed nijak dlouze p\u0159edstavovat, je produktem cel\u00e9 \u0159ady bank a zku\u0161enost s n\u00ed m\u00e1…","datePublished":"2021-05-07","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.ebiotop.cz\/author\/#Person","name":"","url":"https:\/\/www.ebiotop.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/fb50772173929303fbe6024f179e4dd9837c71f6efc661bdb046860d442d05b5?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/fb50772173929303fbe6024f179e4dd9837c71f6efc661bdb046860d442d05b5?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ebiotop.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ebiotop.cz\/wp-content\/uploads\/sloupec%20pen%C4%9Bz_9.jpg","url":"https:\/\/www.ebiotop.cz\/wp-content\/uploads\/sloupec%20pen%C4%9Bz_9.jpg","height":0,"width":0},"url":"https:\/\/www.ebiotop.cz\/americka-hypoteka-jako-prostredek-ke-splneni-snu\/","about":["Finance"],"wordCount":381,"articleBody":"      Klasickou hypot\u00e9ku na bydlen\u00ed asi nen\u00ed zapot\u0159eb\u00ed nijak dlouze p\u0159edstavovat, je produktem cel\u00e9 \u0159ady bank a zku\u0161enost s n\u00ed m\u00e1 nem\u00e1lo \u010cech\u016f. Ov\u0161em krom tohoto hypote\u010dn\u00edho \u00fav\u011bru je mo\u017en\u00e9 narazit v bank\u00e1ch i nebankovn\u00edch spole\u010dnost\u00ed na tzv. americkou hypot\u00e9ku. Kdy se vyplat\u00ed za\u017e\u00e1dat pr\u00e1v\u011b o tento \u00fav\u011brov\u00fd produkt a jak\u00e9 jsou jeho pozitiva? V prvn\u00ed \u0159ad\u011b je zapot\u0159eb\u00ed zm\u00ednit, \u017ee tento \u00fav\u011brov\u00fd produkt je tak trochu ne\u0161\u0165astn\u011b pojmenov\u00e1n, nebo\u0165 se nejedn\u00e1 o hypot\u00e9ku v prav\u00e9m slova smyslu. Sp\u00ed\u0161e o spojen\u00ed dvou r\u016fzn\u00fdch \u00fav\u011brov\u00fdch produkt\u016f \u2013 hypot\u00e9ky na bydlen\u00ed a spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. Na rozd\u00edl od klasick\u00e9 hypot\u00e9ky se jedn\u00e1 o ne\u00fa\u010delov\u00fd \u00fav\u011br, tud\u00ed\u017e pen\u00edze z n\u011bho je mo\u017en\u00e9 \u010derpat na cokoliv a ne jen na financov\u00e1n\u00ed vlastn\u00edho bydlen\u00ed. Chcete cestovat, studovat v zahrani\u010d\u00ed nebo si po\u0159\u00eddit nov\u00fd automobil? Americk\u00e1 hypot\u00e9ka v\u00e1m pom\u016f\u017ee s financov\u00e1n\u00edm t\u011bchto sn\u016f. Ov\u0161em tato benevolentnost je do jist\u00e9 m\u00edry vykoupena vy\u0161\u0161\u00ed \u00farokovou sazbou, kter\u00e1 nemus\u00ed b\u00fdt po chuti ka\u017ed\u00e9mu. Klasick\u00fd hypote\u010dn\u00ed \u00fav\u011br nab\u00edz\u00ed ro\u010dn\u00ed \u00farokovou sazbu kolem 1,5%, americk\u00e1 hypot\u00e9ka asi o polovinu vy\u0161\u0161\u00ed. Z tohoto jasn\u011b vypl\u00fdv\u00e1, \u017ee financovat bydlen\u00ed americkou hypot\u00e9kou se m\u016f\u017ee v\u00fdrazn\u011b prodra\u017eit. I nad\u00e1le je v\u0161ak americk\u00e1 hypot\u00e9ka v\u010dele p\u0159ed dlouhodob\u00fdmi spot\u0159ebitelsk\u00fdmi \u00fav\u011bry, kde se \u00farok pohybuje nad 10% ro\u010dn\u011b. Pomalu ale jist\u011b za\u010d\u00ednaj\u00ed americk\u00e9 hypot\u00e9ky nab\u00edzet i nebankovn\u00ed spole\u010dnosti. Ty, jak je zn\u00e1mo, jsou v n\u011bkter\u00fdch ohledech ke sv\u00fdm \u017eadatel\u016fm vst\u0159\u00edcn\u011bj\u0161\u00ed. Pro probl\u00e9mov\u00e9 \u017eadatele nap\u0159\u00edklad nab\u00edz\u00ed americkou hypot\u00e9ku bez registru, kdy dan\u00e9 spole\u010dnosti do registru dlu\u017en\u00edk\u016f v\u016fbec nenahl\u00ed\u017e\u00ed nebo neberou negativn\u00ed z\u00e1znam jako d\u016fvod k zam\u00edtnut\u00ed. Jak v bankovn\u00edm, tak i v nebankovn\u00edm sektoru je ale zapot\u0159eb\u00ed ru\u010dit nemovitost\u00ed, kter\u00e1 v\u011b\u0159itel\u016f poskytuje v\u011bt\u0161\u00ed d\u016fv\u011bru v \u017eadatele. V p\u0159\u00edpad\u011b neschopnosti spl\u00e1cet v\u0161ak tato nemovitost propad\u00e1 v\u011b\u0159iteli.                                                                                                                                                                                                                                                                                                                                                                                           4.1\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Americk\u00e1 hypot\u00e9ka jako prost\u0159edek ke spln\u011bn\u00ed sn\u016f","item":"https:\/\/www.ebiotop.cz\/americka-hypoteka-jako-prostredek-ke-splneni-snu\/#breadcrumbitem"}]}]