[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.elmaz.cz\/bezna-hypoteka-nebo-ta-americka\/#Article","mainEntityOfPage":"https:\/\/www.elmaz.cz\/bezna-hypoteka-nebo-ta-americka\/","headline":"B\u011b\u017en\u00e1 hypot\u00e9ka nebo ta americk\u00e1?","name":"B\u011b\u017en\u00e1 hypot\u00e9ka nebo ta americk\u00e1?","description":"V sou\u010dasn\u00e9 dob\u011b v\u011bt\u0161ina bank u\u017e nenab\u00edz\u00ed pouze klasickou hypot\u00e9ku na bydlen\u00ed, ale i tu americkou. Se kterou se spousta lid\u00ed je\u0161t\u011b st\u00e1le seznamuje a v podstat\u011b nedok\u00e1\u017ee p\u0159esn\u011b definovat,... ","datePublished":"2021-02-19","dateModified":"2021-02-19","author":{"@type":"Person","@id":"https:\/\/www.elmaz.cz\/author\/#Person","name":"","url":"https:\/\/www.elmaz.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2dfb47fe8ef5e1795dc8fdf9fc01f7f6e0de0c5b588d6a35abd2f00b6a65d2be?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2dfb47fe8ef5e1795dc8fdf9fc01f7f6e0de0c5b588d6a35abd2f00b6a65d2be?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"elmaz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.elmaz.cz\/wp-content\/uploads\/r%C5%AFst%20pen%C4%9Bz_9.jpg","url":"https:\/\/www.elmaz.cz\/wp-content\/uploads\/r%C5%AFst%20pen%C4%9Bz_9.jpg","height":0,"width":0},"url":"https:\/\/www.elmaz.cz\/bezna-hypoteka-nebo-ta-americka\/","about":["Web"],"wordCount":403,"articleBody":"   V sou\u010dasn\u00e9 dob\u011b v\u011bt\u0161ina bank u\u017e nenab\u00edz\u00ed pouze klasickou hypot\u00e9ku na bydlen\u00ed, ale i tu americkou. Se kterou se spousta lid\u00ed je\u0161t\u011b st\u00e1le seznamuje a v podstat\u011b nedok\u00e1\u017ee p\u0159esn\u011b definovat, jak\u00e9 v\u00fdhody p\u0159edstavuje. Jak\u00fd je tedy mezi t\u011bmito dv\u011bma hypote\u010dn\u00edmi \u00fav\u011bry rozd\u00edl?Hlavn\u00ed rozd\u011blen\u00ed t\u011bchto dvou hypote\u010dn\u00edch \u00fav\u011br\u016f tkv\u00ed v jejich \u00fa\u010delu. Zat\u00edmco b\u011b\u017enou hypot\u00e9ku nen\u00ed pot\u0159eba nijak dlouze p\u0159edstavovat, u t\u00e9 americk\u00e9 je\u0161t\u011b st\u00e1le \u0159ada z n\u00e1s t\u00e1pe. Zat\u00edmco prvn\u00ed varianta je zam\u011b\u0159ena prim\u00e1rn\u011b na po\u0159\u00edzen\u00ed vlastn\u00edho bydlen\u00ed, tedy na v\u00fdstavbu, rekonstrukci nebo koupi nov\u00e9 nemovitosti. Druh\u00e1 varianta je p\u0159eci jenom o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed a pen\u00edze z n\u00ed je tak mo\u017en\u00e9 \u010derpat na cokoliv. V p\u0159\u00edpad\u011b v\u00fdstavby je mo\u017en\u00e9 americkou hypot\u00e9ku vyu\u017e\u00edt jako jakousi hypot\u00e9ku na pozemek Fahd m\u00edsto spot\u0159ebitelsk\u00e9ho \u00fav\u011bru, kter\u00fd mnohdy nab\u00edz\u00ed velmi nev\u00fdhodnou ro\u010dn\u00ed \u00farokovou sazbu. Nem\u00e9n\u011b d\u016fle\u017eit\u00e9 je zm\u00ednit i rozd\u00edl v jejich \u00farokov\u00e9 sazb\u011b. \u0158ada lid\u00ed vs\u00e1z\u00ed pr\u00e1v\u011b na americkou hypot\u00e9ku a jej\u00ed benevolentn\u011bj\u0161\u00ed podm\u00ednky. Mnohdy je ale nenapadne, \u017ee dan\u00ed za jej\u00ed benevolentnost jsou pr\u00e1v\u011b vy\u0161\u0161\u00ed \u00faroky. Financovat tak bydlen\u00ed americkou hypot\u00e9kou je krajn\u011b nev\u00fdhodn\u00e9! Nejv\u00fdhodn\u011bj\u0161\u00ed \u00farokovou sazbu je mo\u017en\u00e9 o\u010dek\u00e1vat u klasick\u00fdch hypote\u010dn\u00edch \u00fav\u011br\u016f na bydlen\u00ed, kde se pohybuje kolem 1,5% ro\u010dn\u011b, u americk\u00e9 hypot\u00e9ky je to 3-5% a u b\u011b\u017en\u00e9ho spot\u0159ebitelsk\u00e9ho \u00fav\u011bru se v sou\u010dasnosti \u00farokov\u00e1 sazba pohybuje kolem 10%. Co maj\u00ed ob\u011b dv\u011b hypot\u00e9ky spole\u010dn\u00e9 je dolo\u017een\u00ed p\u0159\u00edjm\u016f a ru\u010den\u00ed nemovitost\u00ed, bez spln\u011bn\u00ed t\u011bchto dvou podm\u00ednek se smlouva s bankou ned\u00e1 uzav\u0159\u00edt. Av\u0161ak zat\u00edmco u klasick\u00e9ho hypote\u010dn\u00edho \u00fav\u011bru je mo\u017en\u00e9 \u010derpat a\u017e 90% z\u00e1stavn\u00ed hodnoty nemovitosti, u americk\u00e9 hypot\u00e9ky je b\u011b\u017en\u00e9 50-70%, co\u017e opravdu nen\u00ed mnoho. Doba splatnosti je u t\u011bchto dvou \u00fav\u011br\u016f rovn\u011b\u017e rozd\u00edln\u00e1. U b\u011b\u017en\u00e9ho hypote\u010dn\u00edho \u00fav\u011bru na bydlen\u00ed se doba splatnosti m\u016f\u017ee dos\u00e1hnout i 30 let, americk\u00e1 hypot\u00e9ka ale takto dlouhou dobu splatnosti pro \u017eadatele neumo\u017e\u0148uje.                                                                                                                                                                                                                                                                                                                                                                                           3.6\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"B\u011b\u017en\u00e1 hypot\u00e9ka nebo ta americk\u00e1?","item":"https:\/\/www.elmaz.cz\/bezna-hypoteka-nebo-ta-americka\/#breadcrumbitem"}]}]