[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.votana.cz\/americka-hypoteka-zajistena-hypotekou\/#Article","mainEntityOfPage":"https:\/\/www.votana.cz\/americka-hypoteka-zajistena-hypotekou\/","headline":"Americk\u00e1 hypot\u00e9ka zaji\u0161t\u011bn\u00e1 hypot\u00e9kou","name":"Americk\u00e1 hypot\u00e9ka zaji\u0161t\u011bn\u00e1 hypot\u00e9kou","description":"V \u010dem se li\u0161\u00ed americk\u00e1 hypot\u00e9ka od b\u011b\u017en\u00e9 hypot\u00e9ky? \u010ci jak\u00e9 m\u00e1 podm\u00ednky sjedn\u00e1n\u00ed americk\u00e1 hypot\u00e9ka? To jsou b\u011b\u017en\u00e9 ot\u00e1zky, kter\u00e9 si klademe. Zde najde na n\u011b odpov\u011b\u010f. Banky vedle b\u011b\u017en\u00e9 hypot\u00e9ky poskytuj\u00ed tak\u00e9 tzv. americkou hypot\u00e9ku. Jde o ne\u00fa\u010delovou hypot\u00e9ku, kter\u00e1 je zastav\u011bn\u00e1 nemovitost\u00ed, u kter\u00e9 bance nesd\u011blujete, na co pen\u00edze pou\u017eijete. Z\u00edskan\u00e9 pen\u00edze […]","datePublished":"2020-05-17","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.votana.cz\/author\/#Person","name":"","url":"https:\/\/www.votana.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"votana.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.votana.cz\/wp-content\/uploads\/nov%C3%BD%20automobil.jpg","url":"https:\/\/www.votana.cz\/wp-content\/uploads\/nov%C3%BD%20automobil.jpg","height":0,"width":0},"url":"https:\/\/www.votana.cz\/americka-hypoteka-zajistena-hypotekou\/","about":["Pen\u00edze"],"wordCount":374,"articleBody":"       V \u010dem se li\u0161\u00ed americk\u00e1 hypot\u00e9ka od b\u011b\u017en\u00e9 hypot\u00e9ky? \u010ci jak\u00e9 m\u00e1 podm\u00ednky sjedn\u00e1n\u00ed americk\u00e1 hypot\u00e9ka? To jsou b\u011b\u017en\u00e9 ot\u00e1zky, kter\u00e9 si klademe. Zde najde na n\u011b odpov\u011b\u010f.Banky vedle b\u011b\u017en\u00e9 hypot\u00e9ky poskytuj\u00ed tak\u00e9 tzv. americkou hypot\u00e9ku. Jde o ne\u00fa\u010delovou hypot\u00e9ku, kter\u00e1 je zastav\u011bn\u00e1 nemovitost\u00ed, u kter\u00e9 bance nesd\u011blujete, na co pen\u00edze pou\u017eijete. Z\u00edskan\u00e9 pen\u00edze m\u016f\u017eete pou\u017e\u00edt na cokoliv, nap\u0159\u00edklad na vybaven\u00ed sv\u00e9ho bydlen\u00ed, koupi automobilu, pozemku \u010di rekrea\u010dn\u00edho domu, za\u010d\u00ednaj\u00edc\u00ed investici pro rozjezd sv\u00e9ho podnik\u00e1n\u00ed, to v\u0161e nejde toti\u017e financovat b\u011b\u017enou hypot\u00e9kou. Jestli\u017ee si chcete za\u0159\u00eddit americkou hypot\u00e9ku, p\u0159edem si to rozmyslete, zda jste schopn\u00ed \u00fav\u011br spl\u00e1cet.U americk\u00e9 hypot\u00e9ky si banky \u0159\u00edkaj\u00ed minimum a maximum v\u00fd\u0161e \u00fav\u011bru. M\u016f\u017eete z\u00edskat \u00fav\u011br a\u017e do v\u00fd\u0161e 70% hodnoty zastav\u011bn\u00e9 nemovitosti. Jestli\u017ee tedy m\u00e1te hodnotnou nemovitost, m\u016f\u017eete z\u00edskat i n\u011bkolik milion\u016f korun. Spl\u00e1cet americkou hypot\u00e9ku, m\u016f\u017eete spl\u00e1cet velmi dlouho, jako je tomu u b\u011b\u017en\u00e9 hypot\u00e9ky, splatnost se d\u00e1 rozvrhnout a\u017e na 25 let. D\u00e1le si m\u016f\u017eete vybrat dobu fixace \u00farokov\u00e9 sazby, po tuto dobu se v\u00e1m nem\u011bn\u00ed v\u00fd\u0161e \u00farokov\u00e9 sazby a ani m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. Jako je tomu u klasick\u00e9 hypot\u00e9ky, i u americk\u00e9 mus\u00edte prokazovat dostate\u010dnou bonitu. Americkou hypot\u00e9ku nejde z\u00edskat bez dolo\u017een\u00ed p\u0159\u00edjmu a n\u00e1hledu do registru dlu\u017en\u00edk\u016f. Ka\u017ed\u00e1 banka m\u00e1 jin\u00e9 smluvn\u00ed podm\u00ednky americk\u00e9 hypot\u00e9ky.V\u00fdhody americk\u00e9 hypot\u00e9ky:\u00dav\u011br je ne\u00fa\u010delov\u00fd, lze ho vyu\u017e\u00edt na cokoliv, nap\u0159\u00edklad na koupi automobilu \u010di karavanuLze si p\u016fj\u010dit a\u017e n\u011bkolik milion korunDoba splatnosti m\u016f\u017ee b\u00fdt a\u017e 25 letV\u00fdhodn\u00e1 \u00farokov\u00e1 sazba, ne\u017e je u spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016fVolba doby fixace \u00farokov\u00e9 sazbyNev\u00fdhody americk\u00e9 hypot\u00e9ky:Zastav\u011bn\u00e1 nemovitost, tud\u00ed\u017e kdy\u017e nebudete spl\u00e1cet, m\u016f\u017eete o nemovitost p\u0159ij\u00edtV\u011bt\u0161\u00ed \u00faroky, ne\u017e je u klasick\u00e9 hypot\u00e9kyAdministrativn\u00ed n\u00e1ro\u010dnost                                                                                                                                                                                                                                                                                                                                                                                          3.7\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Americk\u00e1 hypot\u00e9ka zaji\u0161t\u011bn\u00e1 hypot\u00e9kou","item":"https:\/\/www.votana.cz\/americka-hypoteka-zajistena-hypotekou\/#breadcrumbitem"}]}]