[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.spojeno.cz\/chcete-hypoteku-ale-nevite-kterou\/#Article","mainEntityOfPage":"https:\/\/www.spojeno.cz\/chcete-hypoteku-ale-nevite-kterou\/","headline":"Chcete hypot\u00e9ku? Ale nev\u00edte kterou?","name":"Chcete hypot\u00e9ku? Ale nev\u00edte kterou?","description":"Pro\u010d zrovna nebankovn\u00ed americk\u00e1 hypot\u00e9ka ? Sly\u0161eli jste u\u017e o nebankovn\u00ed hypot\u00e9ce ? konkr\u00e9tn\u011b o nebankovn\u00ed americk\u00e9 hypot\u00e9ce ? V\u00edte co tento pojem znamen\u00e1, ne? tak my v\u00e1m to vysv\u011btl\u00edme. Americk\u00e1 nebankovn\u00ed hypot\u00e9ka je p\u0159edev\u0161\u00edm druh spot\u0159ebitelsk\u00e9ho \u00fav\u011bru a to p\u0159edev\u0161\u00edm do 1 880 000 Korun. Jedn\u00e1 se tedy o kombinaci pr\u00e1v\u011b zm\u00edn\u011bn\u00e9ho spot\u0159ebitelsk\u00e9ho a...","datePublished":"2022-01-21","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.spojeno.cz\/author\/#Person","name":"","url":"https:\/\/www.spojeno.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7b7a3ac09da7f6a75c5f1ebec5be454c22943a51b9f5595d89318ef09bd44dd1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7b7a3ac09da7f6a75c5f1ebec5be454c22943a51b9f5595d89318ef09bd44dd1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"spojeno.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.spojeno.cz\/wp-content\/uploads\/img_a379742_w3724_t1591265772_2.jpg","url":"https:\/\/www.spojeno.cz\/wp-content\/uploads\/img_a379742_w3724_t1591265772_2.jpg","height":0,"width":0},"url":"https:\/\/www.spojeno.cz\/chcete-hypoteku-ale-nevite-kterou\/","about":["Pen\u00edze"],"wordCount":458,"articleBody":"       Pro\u010d zrovna nebankovn\u00ed americk\u00e1 hypot\u00e9ka ? Sly\u0161eli jste u\u017e o nebankovn\u00ed hypot\u00e9ce ? konkr\u00e9tn\u011b o nebankovn\u00ed americk\u00e9 hypot\u00e9ce ? V\u00edte co tento pojem znamen\u00e1, ne? tak my v\u00e1m to vysv\u011btl\u00edme. Americk\u00e1 nebankovn\u00ed hypot\u00e9ka je p\u0159edev\u0161\u00edm druh spot\u0159ebitelsk\u00e9ho \u00fav\u011bru a to p\u0159edev\u0161\u00edm do 1 880 000 Korun. Jedn\u00e1 se tedy o kombinaci pr\u00e1v\u011b zm\u00edn\u011bn\u00e9ho spot\u0159ebitelsk\u00e9ho a hypote\u010dn\u00edho \u00fav\u011bru. S hypote\u010dn\u00edm \u00fav\u011brem maj\u00ed spole\u010dn\u00e9 \u010dty\u0159i konkr\u00e9tn\u00ed v\u011bci a t\u011bmi jsou – 1) Velk\u00fd \u00farokov\u00fd r\u00e1mec (statis\u00edce a\u017e miliony korun \u010desk\u00fdch), 2) N\u00edzkou \u00farokovou sazbu, 3) Zaji\u0161t\u011bn\u00ed nemovitosti, 4) Dlouhou dobu splatnostiSe spot\u0159ebitelsk\u00fdm \u00fav\u011brem maj\u00ed v\u0161ak spole\u010dn\u00e9 pouze jednu v\u011bc a tou je ne\u00fa\u010delovost. Co se t\u00fd\u010de \u00farokov\u00fdch sazeb, u nebankovn\u00ed americk\u00e9 hypot\u00e9ky jsou o n\u011bco vy\u0161\u0161\u00ed, naopak od klasick\u00fdch hypote\u010dn\u00edch \u00fav\u011br\u016f a u spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f jsou zase o n\u011bco ni\u017e\u0161\u00ed. Doba splatnosti je r\u016fzn\u00e1, v\u011bt\u0161inou se pohybuje kolem 3 a\u017e 20 let. U Americk\u00e9 hypot\u00e9ky je v\u0161ak mo\u017en\u00e9 dobu splatnosti nastavit na 30 let, minim\u00e1ln\u00ed v\u00fd\u0161e AH (americk\u00e9 hypot\u00e9ky)  se pohybuje kolem 1 000 000 Korun, v\u017edy se to v\u0161ak ur\u010duje podle hodnoty nemovitosti a z dan\u00e9 hodnoty se pot\u00e9 odv\u00edj\u00ed maxim\u00e1ln\u00ed \u010d\u00e1stka hypot\u00e9ky kter\u00e1 je p\u0159ibli\u017en\u011b 50 – 70 % z jej\u00ed hodnoty. Existuj\u00ed v\u0161ak i r\u016fzn\u00e1 rizika takov\u00e9 nebankovn\u00ed hypot\u00e9ky a t\u011bmi jsou nap\u0159\u00edklad : R\u016fzn\u00ed poskytovatel\u00e9 t\u011bchto americk\u00fdch hypot\u00e9k pou\u017e\u00edvaj\u00ed techniku l\u00e1k\u00e1n\u00ed, a ti p\u0159edev\u0161\u00edm tak \u017ee l\u00e1kaj\u00ed, jejich ale i nov\u00e9 klienty na mo\u017enosti m\u00edrn\u011bj\u0161\u00edch podm\u00ednek a nebo poskytuj\u00ed zaji\u0161t\u011bn\u00ed dan\u00e9 nemovitosti a nebo pr\u00e1v\u011b z\u00e1jemc\u016f, a to z\u00e1jemc\u016f kte\u0159\u00ed moment\u00e1ln\u011b nemohou dolo\u017eit pot\u0159ebn\u00e9 dokumenty o do\u010dasn\u011b vysok\u00e9m p\u0159\u00edjmu. Od t\u011bchto poskytovatel\u016f m\u016f\u017eete tak\u00e9 \u010dasto sly\u0161et v\u011btu \u017ee nenahl\u00ed\u017eej\u00ed do va\u0161eho registru. Ale mus\u00edte po\u010d\u00edtat s t\u00edm \u017ee tu plat\u00ed jedno velice \u010dast\u00e9 pravidlo kter\u00e9 zn\u00ed „ \u010d\u00edm men\u0161\u00ed doba splatnosti t\u00edm vy\u0161\u0161\u00ed \u00faroky“, Tak\u017ee pr\u00e1v\u011b u nebankovn\u00edch spole\u010dnost\u00ed mus\u00edte po\u010d\u00edtat s men\u0161\u00ed dobou splatnosti ale z\u00e1rove\u0148 s vy\u0161\u0161\u00edmi \u00faroky. Nebankovn\u00ed americk\u00e9 hypot\u00e9ky jsou preferov\u00e1ny p\u0159edev\u0161\u00edm kv\u016fli mo\u017enosti dopl\u00e1cen\u00ed \u00fav\u011bru kdykoliv a to bez ve\u0161ker\u00fdch sankc\u00ed, Mo\u017enost \u00faroku 7% p.a., p\u0159edev\u0161\u00edm pro osoby se z\u00e1znamem v registrech nebankovn\u00edch ale i bankovn\u00edch a mnoho dal\u0161\u00edch                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Chcete hypot\u00e9ku? 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