[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bknt.cz\/klasicka-vs-americka-hypoteka-kterou-zvolit\/#Article","mainEntityOfPage":"https:\/\/www.bknt.cz\/klasicka-vs-americka-hypoteka-kterou-zvolit\/","headline":"Klasick\u00e1 vs. americk\u00e1 hypot\u00e9ka: kterou zvolit?","name":"Klasick\u00e1 vs. americk\u00e1 hypot\u00e9ka: kterou zvolit?","description":"Hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed asi nen\u00ed zapot\u0159eb\u00ed nijak zdlouhav\u011b p\u0159edstavovat, je produktem v\u011bt\u0161iny bank a za \u017eivot se s n\u00edm setk\u00e1 \u0159ada z n\u00e1s. Banky v\u0161ak u\u017e n\u011bkolik let zp\u00e1tky p\u0159idaly do sv\u00e9ho portfolia i dal\u0161\u00ed \u00fav\u011brov\u00fd produkt \u2013 americkou hypot\u00e9ku. Jej\u00ed n\u00e1zev m\u016f\u017ee b\u00fdt ale pro \u0159adu velmi matouc\u00ed, nebo\u0165 se nejedn\u00e1 o hypot\u00e9ku...","datePublished":"2021-04-12","dateModified":"2023-06-09","author":{"@type":"Person","@id":"https:\/\/www.bknt.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.bknt.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c607f8cdeb628e1fda71e81e0cbb10854858a188adc366641de57f1cadca520c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c607f8cdeb628e1fda71e81e0cbb10854858a188adc366641de57f1cadca520c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bknt.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bknt.cz\/wp-content\/uploads\/vlastn%C3%AD%20bydlen%C3%AD_8.jpg","url":"https:\/\/www.bknt.cz\/wp-content\/uploads\/vlastn%C3%AD%20bydlen%C3%AD_8.jpg","height":0,"width":0},"url":"https:\/\/www.bknt.cz\/klasicka-vs-americka-hypoteka-kterou-zvolit\/","about":["Internet"],"wordCount":423,"articleBody":"   Hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed asi nen\u00ed zapot\u0159eb\u00ed nijak zdlouhav\u011b p\u0159edstavovat, je produktem v\u011bt\u0161iny bank a za \u017eivot se s n\u00edm setk\u00e1 \u0159ada z n\u00e1s. Banky v\u0161ak u\u017e n\u011bkolik let zp\u00e1tky p\u0159idaly do sv\u00e9ho portfolia i dal\u0161\u00ed \u00fav\u011brov\u00fd produkt \u2013 americkou hypot\u00e9ku. Jej\u00ed n\u00e1zev m\u016f\u017ee b\u00fdt ale pro \u0159adu velmi matouc\u00ed, nebo\u0165 se nejedn\u00e1 o hypot\u00e9ku jako takovou. Jak\u00e9 jsou ty nejd\u016fle\u017eit\u011bj\u0161\u00ed rozd\u00edly mezi t\u011bmito dv\u011bma hypot\u00e9kami? \u00da\u010delovostHlavn\u00ed rozd\u00edl tkv\u00ed p\u0159ev\u00e1\u017en\u011b v jejich \u00fa\u010delu. Zat\u00edmco hypot\u00e9ka na bydlen\u00ed je \u00fa\u010delov\u00fd \u00fav\u011br, o kter\u00fd m\u016f\u017ee \u017eadatel po\u017e\u00e1dat jen za ur\u010dit\u00fdm \u00fa\u010delem, americk\u00e1 hypot\u00e9ka je v tomto ohledu o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed. Hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed, jak u\u017e z n\u00e1zvu vypl\u00fdv\u00e1, je p\u0159ev\u00e1\u017en\u011b ur\u010den k realizaci vlastn\u00edho bydlen\u00ed. I z tohoto d\u016fvodu je zapot\u0159eb\u00ed ve\u0161ker\u00e9 v\u00fddaje spojen\u00e9 s \u00fav\u011brem dokl\u00e1dat bance pomov\u00ed dokument\u016f, \u00fa\u010dtenek a faktur. Hypote\u010dn\u00ed \u00fav\u011br je tak\u00e9 opat\u0159en z\u00e1stavou nemovitosti a v p\u0159\u00edpad\u011b nedodr\u017een\u00e1 z\u00e1vazk\u016f dlu\u017en\u00edka v\u016f\u010di bance, m\u016f\u017ee doj\u00edt k okam\u017eit\u00e9mu prodeji nemovitosti. I d\u00edky tomu m\u00e1 banka jakousi z\u00e1ruku a je schopna u tohoto druhu \u00fav\u011bru nab\u00edzet p\u0159\u00edzniv\u011bj\u0161\u00ed \u00farokovou sazbu.Americkou hypot\u00e9ku \u0159ada lid\u00ed vol\u00ed pr\u00e1v\u011b pro sv\u00e9 m\u00e9n\u011b zavazuj\u00edc\u00ed podm\u00ednky, tato velkorysost ze strany banky je ale vykoupena vy\u0161\u0161\u00ed \u00farokovou sazbou. Pen\u00edze z t\u00e9to hypot\u00e9k je v\u0161ak mo\u017en\u00e9 \u010derpat dle sv\u00e9ho uv\u00e1\u017een\u00ed \u2013 cestov\u00e1n\u00ed, studium v zahrani\u010d\u00ed, vlastn\u00ed bydlen\u00ed atd. Americk\u00e1 hypot\u00e9ka na bydlen\u00ed se vyplat\u00ed v p\u0159\u00edpad\u011b, kdy \u0159emesln\u00edci nab\u00edz\u00ed v\u00fdraznou slevu na sv\u00e9 slu\u017eby v p\u0159\u00edpad\u011b platby na ruku.Krom bank je tu ale st\u00e1le nebankovn\u00ed sektor, kter\u00fd takt\u00e9\u017e nab\u00edz\u00ed americk\u00e9 hypot\u00e9ky. Jejich nebankovn\u00ed hypot\u00e9ky bez registru c\u00edl\u00ed na klientelu lid\u00ed, kter\u00fdm v bance odm\u00edtli p\u016fj\u010dit. \u00darokov\u00e1 sazbaDal\u0161\u00ed a velmi podstatn\u00fd rozd\u00edl je v \u00farokov\u00e9 sazb\u011b. Zat\u00edmco hypote\u010dn\u00ed \u00fav\u011br nab\u00edz\u00ed ro\u010dn\u00ed \u00farokovou sazbu jen n\u011bco m\u00e1lo p\u0159es 1,5%, u americk\u00e9 hypot\u00e9ky je to dvojn\u00e1sobek. P\u0159esto se v\u0161ak vyplat\u00ed sp\u00ed\u0161 ne\u017e dlouhodob\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br, kter\u00fd nab\u00edz\u00ed v sou\u010dasnosti \u00farok nad 10%.                                                                                                                                                                                                                                                                                                                                                                                           3.7\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Klasick\u00e1 vs. americk\u00e1 hypot\u00e9ka: kterou zvolit?","item":"https:\/\/www.bknt.cz\/klasicka-vs-americka-hypoteka-kterou-zvolit\/#breadcrumbitem"}]}]