[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.skvelydomov.cz\/americka-nebo-bezna-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.skvelydomov.cz\/americka-nebo-bezna-hypoteka\/","headline":"Americk\u00e1 nebo b\u011b\u017en\u00e1 hypot\u00e9ka?","name":"Americk\u00e1 nebo b\u011b\u017en\u00e1 hypot\u00e9ka?","description":"I kdy\u017e se jedn\u00e1 o zd\u00e1nliv\u011b podobn\u00e9 \u00fav\u011brov\u00e9 produkty, zd\u00e1n\u00ed v tomto p\u0159\u00edpad\u011b skute\u010dn\u011b klame. Tyto dva typy \u00fav\u011br\u016f jsou si natolik vzd\u00e1len\u00ed a maj\u00ed tolik protich\u016fdn\u00fdch p\u0159ednost\u00ed i nedostatk\u016f, \u017ee v\u00e1m z toho p\u016fjde hlava kolem. Poj\u010fme si spole\u010dn\u011b p\u0159edstavit alespo\u0148 ty nejd\u016fle\u017eit\u011bj\u0161\u00ed. Hypot\u00e9ka na chatu, rodinn\u00fd d\u016fm, byt\u2026to v\u0161echno ve v\u00fdsledku jde financovat ... <a title=\"Americk\u00e1 nebo b\u011b\u017en\u00e1 hypot\u00e9ka?\" class=\"read-more\" href=\"https:\/\/www.skvelydomov.cz\/americka-nebo-bezna-hypoteka\/\" aria-label=\"V\u00edce na Americk\u00e1 nebo b\u011b\u017en\u00e1 hypot\u00e9ka?\">\u010c\u00edst d\u00e1l<\/a>","datePublished":"2021-03-16","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.skvelydomov.cz\/author\/#Person","name":"","url":"https:\/\/www.skvelydomov.cz\/author\/","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/75e4d40f94885f01aa9441f03c1e175b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/75e4d40f94885f01aa9441f03c1e175b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"skvelydomov.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/skvelydomov.cz\/wp-content\/uploads\/puzzle%20d%C5%AFm_10_2.jpg","url":"https:\/\/skvelydomov.cz\/wp-content\/uploads\/puzzle%20d%C5%AFm_10_2.jpg","height":"","width":""},"url":"https:\/\/www.skvelydomov.cz\/americka-nebo-bezna-hypoteka\/","wordCount":381,"articleBody":"              I kdy\u017e se jedn\u00e1 o zd\u00e1nliv\u011b podobn\u00e9 \u00fav\u011brov\u00e9 produkty, zd\u00e1n\u00ed v tomto p\u0159\u00edpad\u011b skute\u010dn\u011b klame. Tyto dva typy \u00fav\u011br\u016f jsou si natolik vzd\u00e1len\u00ed a maj\u00ed tolik protich\u016fdn\u00fdch p\u0159ednost\u00ed i nedostatk\u016f, \u017ee v\u00e1m z toho p\u016fjde hlava kolem. Poj\u010fme si spole\u010dn\u011b p\u0159edstavit alespo\u0148 ty nejd\u016fle\u017eit\u011bj\u0161\u00ed. Hypot\u00e9ka na chatu, rodinn\u00fd d\u016fm, byt\u2026to v\u0161echno ve v\u00fdsledku jde financovat jedn\u00edm typem \u00fav\u011bru. Hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed je \u00fa\u010delov\u00fd \u00fav\u011br, kter\u00fd m\u00e1 mnoho p\u0159ednost\u00ed, ale i n\u011bkolik nedostatk\u016f, kter\u00e9 mohou velmi zkomplikovat \u017eivot. Je pot\u0159eba poznamenat, \u017ee hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed je v sou\u010dasn\u00e9 dob\u011b ten nejv\u00fdhodn\u011bj\u0161\u00ed, kter\u00fd bankovn\u00ed spole\u010dnosti poskytuj\u00ed. Nab\u00edz\u00ed velmi p\u0159\u00edznivou \u00farokovou sazbu, kter\u00e1 se moment\u00e1ln\u011b pohybuje kolem 1,5% s dlouhou dobou fixace. Hypote\u010dn\u00ed \u00fav\u011br je mo\u017en\u00e9 n\u00e1sledn\u011b spl\u00e1cet a\u017e 30 let a tomu odpov\u00edd\u00e1 i v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky.U tohoto druhu \u00fav\u011bru je ale zapot\u0159eb\u00ed ru\u010dit nemovitost\u00ed, kter\u00e1 v p\u0159\u00edpad\u011b neschopnosti spl\u00e1cet propad\u00e1 bance. Co\u017e je ale riziko, d\u00edky kter\u00e9mu banky poskytuj\u00ed sv\u00fdm dlu\u017en\u00edk\u016fm tak v\u00fdhodn\u00fd \u00farok. Po novele z\u00e1kona z prosince 2016 nav\u00edc \u010cNB upravila podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f. V sou\u010dasnosti je nutn\u00e9 m\u00edt na\u0161et\u0159eno minim\u00e1ln\u011b 30% z hodnoty nemovitosti. V praxi to vypad\u00e1 n\u00e1sledovn\u011b, pokud chcete \u00fav\u011br 3 000 000 korun, alespo\u0148 300 000 mus\u00ed poch\u00e1zet z vlastn\u00edch \u00faspor. Tato \u010d\u00e1stka se d\u00e1 ale snadno vy\u0159e\u0161it pomoc\u00ed spot\u0159ebitelsk\u00e9ho \u00fav\u011bru.A te\u010f je tu americk\u00e1 hypot\u00e9ka, kter\u00e1 je ke sv\u00fdm \u017eadatel\u016fm o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed. Pen\u00edze z n\u00ed je mo\u017en\u00e9 \u010derpat na cokoliv \u2013 cestov\u00e1n\u00ed, studium, po\u0159\u00edzen\u00ed automobilu ad. Tato benevolentnost je ale do jist\u00e9 m\u00edry vykoupena vy\u0161\u0161\u00ed \u00farokovou sazbou. Ta je v sou\u010dasnosti okolo 3%. St\u00e1le se ale jedn\u00e1 o daleko v\u00fdhodn\u011bj\u0161\u00ed typ \u00fav\u011bru, ne\u017e je ten spot\u0159ebitelsk\u00fd. Zde se ro\u010dn\u00ed \u00farokov\u00e1 sazba m\u016f\u017ee vy\u0161plhat a\u017e k 10%. I u americk\u00e9 hypot\u00e9ky je zapot\u0159eb\u00ed ru\u010dit nemovitost\u00ed.   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Americk\u00e1 nebo b\u011b\u017en\u00e1 hypot\u00e9ka?","item":"https:\/\/www.skvelydomov.cz\/americka-nebo-bezna-hypoteka\/#breadcrumbitem"}]}]