[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cestray.cz\/rozdily-mezi-klasickou-a-americkou-hypotekou\/#Article","mainEntityOfPage":"https:\/\/www.cestray.cz\/rozdily-mezi-klasickou-a-americkou-hypotekou\/","headline":"Rozd\u00edly mezi klasickou a americkou hypot\u00e9kou","name":"Rozd\u00edly mezi klasickou a americkou hypot\u00e9kou","description":"Hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed nen\u00ed asi pot\u0159eba nijak slo\u017eit\u011b p\u0159edstavovat. Zn\u00e1me ho v\u0161ichni a je produktem v\u011bt\u0161iny bank. Americk\u00e1 hypot\u00e9ka je mo\u017en\u00e1 tak trochu ne\u0161\u0165astn\u011b pojmenovan\u00e1, nebo\u0165 s hypot\u00e9kou v prav\u00e9m slova smyslu nem\u00e1 nic moc spole\u010dn\u00e9ho. Tyto dva \u00fav\u011brov\u00e9... ","datePublished":"2021-03-16","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.cestray.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.cestray.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/cfe4dae5aaf43720425415780408681beb9b9a829e9a657295ed1cacce5febc2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/cfe4dae5aaf43720425415780408681beb9b9a829e9a657295ed1cacce5febc2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cestray.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cestray.cz\/wp-content\/uploads\/po%C4%8D%C3%ADt%C3%A1n%C3%AD%20pen%C4%9Bz_10_10_5.jpg","url":"https:\/\/www.cestray.cz\/wp-content\/uploads\/po%C4%8D%C3%ADt%C3%A1n%C3%AD%20pen%C4%9Bz_10_10_5.jpg","height":0,"width":0},"url":"https:\/\/www.cestray.cz\/rozdily-mezi-klasickou-a-americkou-hypotekou\/","about":["Ekonomika"],"wordCount":414,"articleBody":"         Hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed nen\u00ed asi pot\u0159eba nijak slo\u017eit\u011b p\u0159edstavovat. Zn\u00e1me ho v\u0161ichni a je produktem v\u011bt\u0161iny bank. Americk\u00e1 hypot\u00e9ka je mo\u017en\u00e1 tak trochu ne\u0161\u0165astn\u011b pojmenovan\u00e1, nebo\u0165 s hypot\u00e9kou v prav\u00e9m slova smyslu nem\u00e1 nic moc spole\u010dn\u00e9ho. Tyto dva \u00fav\u011brov\u00e9 produkty se li\u00ed ve dvou z\u00e1sadn\u00edch v\u011bcech: \u00fa\u010delovosti a \u00farokov\u00e9 sazb\u011b. Hypote\u010dn\u00ed \u00fav\u011brB\u011b\u017en\u00e1 hypot\u00e9ka je dob\u0159e zn\u00e1m\u00fd dlouhodob\u00fd \u00fav\u011br v\u00e1zan\u00fd na nemovitost. Jedn\u00e1 se o \u00fa\u010delov\u00fd \u00fav\u011br, je tedy zapot\u0159eb\u00ed dokl\u00e1dat ve\u0161ker\u00e9 poklady p\u0159i \u010derp\u00e1n\u00ed \u00fav\u011bru. Je tak\u00e9 v\u017edy zapot\u0159eb\u00ed ru\u010dit nemovitost\u00ed, ne nutn\u011b tou, na n\u00ed\u017e se \u00fav\u011br bere. Vzhledem k men\u0161\u00edmu riziku ze strany dlu\u017en\u00edka, nab\u00edz\u00ed tento \u00fav\u011br velmi v\u00fdhodnou ro\u010dn\u00ed \u00farokovou sazbou kolem 1,5% s fixac\u00ed na n\u011bkolik let. V sou\u010dasn\u00e9 dob\u011b nen\u00ed mo\u017en\u00ed na \u010desk\u00e9m trhu naleznout v\u00fdhodn\u011bj\u0161\u00ed \u00fav\u011brov\u00fd produkt. Hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed m\u00e1 samoz\u0159ejm\u011b i sv\u00e9 stinn\u00e9 str\u00e1nky. Za prv\u00e9 je v\u00e1z\u00e1n nemovitost\u00ed, o kterou m\u016f\u017ee dlu\u017en\u00edk v p\u0159\u00edpad\u011b neschopnosti spl\u00e1cet, kdykoliv p\u0159ij\u00edt. A druh\u00e1 nev\u00fdhoda, se kterou se dlu\u017en\u00edk pot\u00fdk\u00e1, p\u0159ich\u00e1z\u00ed u\u017e na sam\u00e9m po\u010d\u00e1tku. Aby bankovn\u00ed instituce mohly hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed schv\u00e1lit je zapot\u0159eb\u00ed, aby m\u011bl \u017eadatel naspo\u0159en\u00e9 vlastn\u00ed pen\u00edze. U v\u011bt\u0161iny bank je to v sou\u010dasnosti okolo 30% hodnoty nemovitosti, na kterou byl \u00fav\u011br poskytnut. V praxi to znamen\u00e1 jedin\u00e9, pokud si po\u017e\u00e1d\u00e1te o \u00fav\u011br 3 000 000 korun, alespo\u0148 300 000 mus\u00edte m\u00edt na\u0161et\u0159eno. Mnoho mlad\u00fdch p\u00e1r\u016f tuto finan\u010dn\u00ed hotovost nem\u00e1 k dispozici a tak tento probl\u00e9m \u0159e\u0161\u00ed men\u0161\u00edm spot\u0159ebitelsk\u00fdm \u00fav\u011brem. Americk\u00e1 hypot\u00e9kaAmerick\u00e9 hypot\u00e9ky nejsou b\u011b\u017en\u00fdm hypote\u010dn\u00edm \u00fav\u011brem, nejde je za\u0159adit ani mezi ty spot\u0159ebitelsk\u00e9, stoj\u00ed tak mezi t\u011bmito dv\u011bma skupinami. Jedn\u00e1 se o ne\u00fa\u010delov\u00fd \u00fav\u011br, nen\u00ed tak zapot\u0159eb\u00ed dokl\u00e1dat v\u00fddaje spojen\u00e9 s \u010derp\u00e1n\u00edm \u00fav\u011bru. Stejn\u011b tak nen\u00ed \u010derp\u00e1n\u00ed americk\u00e9 hypot\u00e9ky podm\u00edn\u011bno financov\u00e1n\u00edm nemovitosti. Je ale zapot\u0159eb\u00ed po\u010d\u00edtat s vy\u0161\u0161\u00ed \u00farokovou sazbou, kter\u00e1 se v sou\u010dasnosti pohybuje kolem 3%.                                                                                                                                                                                                                                                                                                                                                                                           4.5\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Rozd\u00edly mezi klasickou a americkou hypot\u00e9kou","item":"https:\/\/www.cestray.cz\/rozdily-mezi-klasickou-a-americkou-hypotekou\/#breadcrumbitem"}]}]