[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/pbag.cz\/americka-hypoteka\/#Article","mainEntityOfPage":"https:\/\/pbag.cz\/americka-hypoteka\/","headline":"Americk\u00e1 hypot\u00e9ka","name":"Americk\u00e1 hypot\u00e9ka","description":"P\u0159i slov\u011b hypot\u00e9ka se ka\u017ed\u00e9mu vybav\u00ed financov\u00e1n\u00ed bydlen\u00ed. A p\u0159esn\u011b k tomuto \u00fa\u010delu tak\u00e9 b\u011b\u017en\u00e9 varianty slou\u017e\u00ed. Pokud se ale bav\u00edme o americk\u00e9 verzi tohoto \u00fav\u011bru, jedn\u00e1 se o v\u00fdjimku. Co si tedy pod t\u00edmto pojmem p\u0159edstavit a jak\u00e9 jsou v\u00fdhody \u010di nev\u00fdhody tohoto \u00fav\u011bru? Jak ji\u017e bylo nazna\u010deno, jedn\u00e1 se o \u00fav\u011br v\u011bt\u0161\u00edho objemu […]","datePublished":"2019-10-27","dateModified":"2019-10-27","author":{"@type":"Person","@id":"https:\/\/pbag.cz\/author\/#Person","name":"","url":"https:\/\/pbag.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pbag.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/pbag.cz\/wp-content\/uploads\/img_a367034_w1778_t1579444019.jpg","url":"https:\/\/pbag.cz\/wp-content\/uploads\/img_a367034_w1778_t1579444019.jpg","height":0,"width":0},"url":"https:\/\/pbag.cz\/americka-hypoteka\/","wordCount":439,"articleBody":"   P\u0159i slov\u011b hypot\u00e9ka se ka\u017ed\u00e9mu vybav\u00ed financov\u00e1n\u00ed bydlen\u00ed. A p\u0159esn\u011b k tomuto \u00fa\u010delu tak\u00e9 b\u011b\u017en\u00e9 varianty slou\u017e\u00ed. Pokud se ale bav\u00edme o americk\u00e9 verzi tohoto \u00fav\u011bru, jedn\u00e1 se o v\u00fdjimku. Co si tedy pod t\u00edmto pojmem p\u0159edstavit a jak\u00e9 jsou v\u00fdhody \u010di nev\u00fdhody tohoto \u00fav\u011bru? Jak ji\u017e bylo nazna\u010deno, jedn\u00e1 se o \u00fav\u011br v\u011bt\u0161\u00edho objemu (\u010d\u00e1stky se pohybuj\u00ed ve statis\u00edc\u00edch), kter\u00fd nen\u00ed nikterak \u00fa\u010delov\u011b v\u00e1z\u00e1n. M\u016f\u017eete jej tedy pou\u017eit nejen na rekonstrukci bytu, ale i na koupi auta, dovolenou \u010di jakoukoli jinou v\u011bc \u2013 v bance se po \u00fa\u010delu pt\u00e1t nebudou. Po \u0159\u00edjnu 2018, kdy do\u0161lo ke zp\u0159\u00edsn\u011bn\u00ed poskytov\u00e1n\u00ed klasick\u00e9ho hypote\u010dn\u00edho \u00fav\u011bru je tento pojem vyhled\u00e1v\u00e1n st\u00e1le \u010dast\u011bji, proto\u017ee p\u0159edstavuje jednu z posledn\u00edch mo\u017enost\u00ed, jak dos\u00e1hnout na po\u0159\u00edzen\u00ed vlastn\u00edho bydlen\u00ed. Mezi hlavn\u00edmi v\u00fdhodami je tedy to, \u017ee nen\u00ed t\u0159eba uv\u00e1d\u011bt \u00fa\u010del p\u016fj\u010dky. Jak\u00e9 m\u00e1 dal\u0161\u00ed pozitiva?  \u00b7 Za tento zp\u016fsob \u00fav\u011bru se zpravidla ru\u010d\u00ed nemovitost\u00ed. To s sebou p\u0159in\u00e1\u0161\u00ed v\u00fdrazn\u011b ni\u017e\u0161\u00ed \u00farok, ne\u017e jak\u00fd by se objevil u spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. \u00b7 D\u00edky mo\u017enost\u00ed rozlo\u017een\u00ed spl\u00e1tek a\u017e na 20 let m\u00e1 oproti spot\u0159ebitelsk\u00fdm \u00fav\u011br\u016fm ni\u017e\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. \u00b7 N\u011bkter\u00e9 banky nab\u00edzej\u00ed mo\u017enost p\u0159ed\u010dasn\u00e9ho splacen\u00ed \u00fav\u011bru bez sankc\u00ed, co\u017e b\u00fdv\u00e1 u klasick\u00fdch \u00fav\u011br\u016f \u010dast\u00fdm probl\u00e9mem. Klient zde zpravidla mus\u00ed \u010dekat do konce fixa\u010dn\u00edho obdob\u00ed, proto\u017ee jinak by ho postihly vysok\u00e9 sankce. \u00b7 Nespornou v\u00fdhodou je pak tak\u00e9 snadn\u011bj\u0161\u00ed vy\u0159\u00edzen\u00ed \u00fav\u011bru. Klasick\u00e1 verze s sebou nese vcelku v\u00fdraznou administrativn\u00ed z\u00e1t\u011b\u017e, co\u017e zde neplat\u00ed. Americk\u00e1 hypot\u00e9ka m\u00e1 samoz\u0159ejm\u011b i sv\u00e1 negativa. Zde jsou: \u00b7 Prvn\u00ed a zcela logickou nev\u00fdhodou jsou vy\u0161\u0161\u00ed \u00farokov\u00e9 sazby ve srovn\u00e1n\u00ed s klasick\u00fdmi hypot\u00e9kami. \u00b7 Klasick\u00e1 verze nab\u00edz\u00ed p\u016fj\u010dku na 90 % z kupn\u00ed ceny nemovitosti, zat\u00edmco ta americk\u00e1 pouze 70 %.  \u00b7 Poskytovatel\u00e9 m\u00edvaj\u00ed nastaven\u00fd strop \u00fav\u011bru, tak\u017ee pokud budete pot\u0159ebovat v\u00edce, nebude v\u00e1m vyhov\u011bno. \u00b7 Tak\u00e9 doba fixace je zde krat\u0161\u00ed. \u00b7 V porovn\u00e1n\u00ed se spot\u0159ebitelsk\u00fdm \u00fav\u011brem je zde vysok\u00fd poplatek za schv\u00e1len\u00ed. N\u011bkdy se pohybuje dokonce ve v\u00fd\u0161i jednoho procenta z ceny nemovitosti. \u00b7 Klasick\u00e1 verze umo\u017e\u0148uje \u010derpat st\u00e1tn\u00ed podporu \u010di mo\u017enost si ode\u010d\u00edst \u00faroky z dan\u00ed. Americk\u00e9 verze se toto net\u00fdk\u00e1.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Americk\u00e1 hypot\u00e9ka","item":"https:\/\/pbag.cz\/americka-hypoteka\/#breadcrumbitem"}]}]