[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.easygarden.cz\/proc-zvolit-nebankovni-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.easygarden.cz\/proc-zvolit-nebankovni-hypoteku\/","headline":"Pro\u010d zvolit nebankovn\u00ed hypot\u00e9ku?","name":"Pro\u010d zvolit nebankovn\u00ed hypot\u00e9ku?","description":"Bankovn\u00ed nebo nebankovn\u00ed hypot\u00e9ka? B\u011b\u017en\u00fd hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed nebo americk\u00e1 hypot\u00e9ka? Kdo se ve v\u0161ech t\u011bch \u00fav\u011brov\u00fdch produktech m\u00e1...","datePublished":"2021-03-16","dateModified":"2023-05-09","author":{"@type":"Person","@id":"https:\/\/www.easygarden.cz\/author\/#Person","name":"","url":"https:\/\/www.easygarden.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"easygarden.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.easygarden.cz\/wp-content\/uploads\/nov%C3%BD%20domov_10_5.jpg","url":"https:\/\/www.easygarden.cz\/wp-content\/uploads\/nov%C3%BD%20domov_10_5.jpg","height":0,"width":0},"url":"https:\/\/www.easygarden.cz\/proc-zvolit-nebankovni-hypoteku\/","about":["Ekonomika"],"wordCount":408,"articleBody":"   Bankovn\u00ed nebo nebankovn\u00ed hypot\u00e9ka? B\u011b\u017en\u00fd hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed nebo americk\u00e1 hypot\u00e9ka? Kdo se ve v\u0161ech t\u011bch \u00fav\u011brov\u00fdch produktech m\u00e1 vyznat? \u00dav\u011brov\u00fdch produkt\u016f je skute\u010dn\u011b mnoho a v dne\u0161n\u00ed dob\u011b se u\u017e nenajde t\u00e9m\u011b\u0159 \u017e\u00e1dn\u00e1 bankovn\u00ed spole\u010dnost, kter\u00e1 by nem\u011bla hned n\u011bkolik v nich v nab\u00eddce. Ka\u017ed\u00e1 banka m\u00e1 v nab\u00eddce mnohdy hned n\u011bkolik hypote\u010dn\u00edch \u00fav\u011br\u016f. Klasick\u00fd \u00fav\u011br na bydlen\u00ed je asi tou nejlep\u0161\u00ed volbou na financov\u00e1n\u00ed vlastn\u00edho bydlen\u00ed. Jedn\u00e1 se ale o \u00fa\u010delov\u00fd \u00fav\u011br, tud\u00ed\u017e je mo\u017en\u00e9 ho sjednat jen za ur\u010dit\u00fdm \u00fa\u010delem a ve\u0161ker\u00e9 v\u00fddaje mus\u00ed b\u00fdt dolo\u017eeny bance pomoc\u00ed dokument\u016f, faktur a \u00fa\u010dtenek. Nab\u00edz\u00ed ale velmi p\u0159\u00edznivou ro\u010dn\u00ed \u00farokovou sazbu s dobou fixace i n\u011bkolik let. Ka\u017ed\u00e1 bank si podm\u00ednky hypote\u010dn\u00edho \u00fav\u011bru stanovuje individu\u00e1ln\u011b. Pozor na hypot\u00e9ky, kter\u00e9 m\u016f\u017ee dlu\u017en\u00edk \u010derpat postupn\u011b dle f\u00e1ze v\u00fdstavby. Ty se vyplat\u00ed jen za p\u0159edpokladu, \u017ee stavba p\u016fjde dle pl\u00e1n\u016f, nep\u0159ijdou nahodil\u00e9 v\u00fddaje a v\u0161e bude dob\u0159e propo\u010d\u00edt\u00e1no. Druhou mo\u017enost\u00ed, kterou banka nab\u00edz\u00ed je tzv. americk\u00e1 hypot\u00e9ka, kter\u00e9 d\u00e1v\u00e1 \u0159ada lid\u00ed p\u0159ednost pro svou benevolentnost. Ov\u0161em je pot\u0159eba se m\u00edt na pozoru, americk\u00e1 hypot\u00e9ka je sice o n\u011bco benevolentn\u011bj\u0161\u00ed ne\u017e b\u011b\u017en\u00fd hypote\u010dn\u00ed \u00fav\u011br, ale tato benevolentnost je vykoupena vy\u0161\u0161\u00ed \u00farokovou sazbou a krat\u0161\u00ed dobou fixace. Je mo\u017en\u00e9 si p\u016fj\u010dit i daleko men\u0161\u00ed \u010d\u00e1stky a v\u017edy je pot\u0159eba ru\u010dit nemovitost\u00ed. U b\u011b\u017en\u00e9ho hypote\u010dn\u00edho \u00fav\u011bru na bydlen\u00ed m\u016f\u017ee banka poskytnout a\u017e 100% z\u00e1stavn\u00ed hodnoty nemovitosti, u americk\u00e9 hypot\u00e9ky je to maxim\u00e1ln\u011b 70%. P\u0159esto se nade \u0159ada lid\u00ed, kte\u0159\u00ed na hypote\u010dn\u00ed \u00fav\u011br v bance nedos\u00e1hnou a pr\u00e1v\u011b kv\u016fli tomu za\u010d\u00ednaj\u00ed nab\u00edzet hypote\u010dn\u00ed produkty i nebankovn\u00ed spole\u010dnosti. Americk\u00e1 hypot\u00e9ka bez registru nebo dolo\u017een\u00ed p\u0159\u00edjm\u016f nab\u00edz\u00ed jedine\u010dnou p\u0159\u00edle\u017eitost, kdy si mohou splnit sen o vlastn\u00edm bydlen\u00ed i tac\u00ed, kter\u00fdm v bance odm\u00edtli p\u016fj\u010dit. I v tomto p\u0159\u00edpad\u011b je ov\u0161em pot\u0159eba po\u010d\u00edtat s vy\u0161\u0161\u00ed \u00farokovou sazbou ne\u017e v bank\u00e1ch.                                                                                                                                                                                                                                                                                                                                                                                           4.4\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d zvolit nebankovn\u00ed hypot\u00e9ku?","item":"https:\/\/www.easygarden.cz\/proc-zvolit-nebankovni-hypoteku\/#breadcrumbitem"}]}]