[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ryves.cz\/hypoteka-klasicka-nebo-ta-americka\/#Article","mainEntityOfPage":"https:\/\/www.ryves.cz\/hypoteka-klasicka-nebo-ta-americka\/","headline":"Hypot\u00e9ka: klasick\u00e1 nebo ta americk\u00e1?","name":"Hypot\u00e9ka: klasick\u00e1 nebo ta americk\u00e1?","description":"K financov\u00e1n\u00ed vlastn\u00edho bydlen\u00ed je nejlep\u0161\u00ed hypot\u00e9ka. No jo, jen\u017ee kter\u00e1? Bankovn\u00ed i nebankovn\u00ed spole\u010dnosti toti\u017e nemaj\u00ed v portfoliu jen jeden hypote\u010dn\u00ed produkt ale hned n\u011bkolik. V slo\u017eit\u00e9 s\u00edti \u00fav\u011br\u016f m\u016f\u017ee b\u00fdt ob\u010das obt\u00ed\u017en\u00e9 se vyznat, poj\u010fme si tedy spole\u010dn\u011b p\u0159edstavit ty dva nejd\u016fle\u017eit\u011bj\u0161\u00ed. Jak\u00e9 jsou mezi nimi rozd\u00edly a k \u010demu jsou dobr\u00e9? \u00da\u010delovost Pokud by bylo mo\u017en\u00e9 vyp\u00edchnout pouze jeden rozd\u00edl, dozajista by to byla pr\u00e1v\u011b \u00fa\u010delovost. Zat\u00edmco hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed je \u00fa\u010delov\u00fd produkt a jeho podm\u00ednky…","datePublished":"2021-04-26","dateModified":"2023-05-26","author":{"@type":"Person","@id":"https:\/\/www.ryves.cz\/author\/#Person","name":"","url":"https:\/\/www.ryves.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/06eaac2906ebd8f5abb4917f3140de1503ec690466d6a69c4ec202bf5b15537c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/06eaac2906ebd8f5abb4917f3140de1503ec690466d6a69c4ec202bf5b15537c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ryves.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ryves.cz\/wp-content\/uploads\/%C5%A1tos%20bankovek_7.jpg","url":"https:\/\/www.ryves.cz\/wp-content\/uploads\/%C5%A1tos%20bankovek_7.jpg","height":0,"width":0},"url":"https:\/\/www.ryves.cz\/hypoteka-klasicka-nebo-ta-americka\/","about":["Pen\u00edze"],"wordCount":404,"articleBody":"      K financov\u00e1n\u00ed vlastn\u00edho bydlen\u00ed je nejlep\u0161\u00ed hypot\u00e9ka. No jo, jen\u017ee kter\u00e1? Bankovn\u00ed i nebankovn\u00ed spole\u010dnosti toti\u017e nemaj\u00ed v portfoliu jen jeden hypote\u010dn\u00ed produkt ale hned n\u011bkolik. V slo\u017eit\u00e9 s\u00edti \u00fav\u011br\u016f m\u016f\u017ee b\u00fdt ob\u010das obt\u00ed\u017en\u00e9 se vyznat, poj\u010fme si tedy spole\u010dn\u011b p\u0159edstavit ty dva nejd\u016fle\u017eit\u011bj\u0161\u00ed. Jak\u00e9 jsou mezi nimi rozd\u00edly a k \u010demu jsou dobr\u00e9?\u00da\u010delovostPokud by bylo mo\u017en\u00e9 vyp\u00edchnout pouze jeden rozd\u00edl, dozajista by to byla pr\u00e1v\u011b \u00fa\u010delovost. Zat\u00edmco hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed je \u00fa\u010delov\u00fd produkt a jeho podm\u00ednky jsou do zna\u010dn\u00e9 m\u00edry ovlivn\u011bny bankou, americk\u00e1 hypot\u00e9ka je mnohem benevolentn\u011bj\u0161\u00ed. V p\u0159\u00edpad\u011b hypot\u00e9ky na bydlen\u00ed je pot\u0159eba dokl\u00e1dat ve\u0161ker\u00e9 v\u00fddaje spojen\u00e9 s financov\u00e1n\u00edm bydlen\u00ed, co\u017e m\u016f\u017ee pro mnoh\u00e9 p\u0159edstavovat slo\u017eit\u00e9 a zbyte\u010dn\u00e9 pap\u00edrov\u00e1n\u00ed. Oproti tomu pen\u00edze z americk\u00e9 hypot\u00e9ky je mo\u017en\u00e9 \u010derpat na cokoliv \u2013 studium v zahrani\u010d\u00ed, cestov\u00e1n\u00ed nebo ji\u017e zm\u00edn\u011bn\u00e9 bydlen\u00ed. \u00darokov\u00e1 sazba \u00da\u010delov\u00e9 \u00fav\u011bry nab\u00edz\u00ed v\u00fdhodn\u00e9 \u00farokov\u00e9 sazby, jinak tomu nen\u00ed ani v p\u0159\u00edpad\u011b hypot\u00e9ky. Ta v sou\u010dasnosti nab\u00edz\u00ed nejv\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky, co se ro\u010dn\u00ed \u00farokov\u00e9 sazby t\u00fd\u010de. V\u00fdhodn\u00e1 \u00farokov\u00e1 sazba je zap\u0159\u00ed\u010din\u011bna i z\u00e1stavou nemovitost\u00ed. \u00dav\u011br v takov\u00e9m p\u0159\u00edpad\u011b pro banku p\u0159edstavuje mnohem men\u0161\u00ed riziko, nebo\u0165 v p\u0159\u00edpad\u011b nedodr\u017een\u00ed podm\u00ednek ze strany dlu\u017en\u00edka, m\u016f\u017ee doj\u00edt k okam\u017eit\u00e9mu prodeji zastaven\u00e9 nemovitosti.Americk\u00e1 hypot\u00e9ka je na tom z hlediska \u00farokov\u00e9 sazby p\u0159eci jenom trochu h\u016f\u0159e. V sou\u010dasn\u00e9 dob\u011b se \u00farok pohybuje kolem 3%, co\u017e ani zdaleka nen\u00ed tolik jako u spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f. Je ale pot\u0159eba poznamenat, \u017ee hypot\u00e9ka je \u00fav\u011br mnohdy i na n\u011bkolik des\u00edtek let a i nepatrn\u00e1 odchylka v \u00farokov\u00e9 sazb\u011b m\u016f\u017ee dlu\u017en\u00edka st\u00e1t mnoho pen\u011bz nav\u00edc. Na hypote\u010dn\u00ed \u00fav\u011bry u\u017e nyn\u00ed nenaraz\u00edte pouze v bance, ale v nab\u00eddce je m\u00e1 i \u0159ada nebankovn\u00edch spole\u010dnost\u00ed. Sly\u0161eli jste u\u017e o americk\u00e9 hypot\u00e9ce bez registru? Pokud v bance \u017eadatel neusp\u011bje, nebankovn\u00ed spole\u010dnosti ho p\u0159iv\u00edtaj\u00ed s otev\u0159enou n\u00e1ru\u010d\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.8\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka: klasick\u00e1 nebo ta americk\u00e1?","item":"https:\/\/www.ryves.cz\/hypoteka-klasicka-nebo-ta-americka\/#breadcrumbitem"}]}]