[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.flexit.cz\/bezny-hypotecni-uver-vs-americka-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.flexit.cz\/bezny-hypotecni-uver-vs-americka-hypoteka\/","headline":"B\u011b\u017en\u00fd hypote\u010dn\u00ed \u00fav\u011br vs. americk\u00e1 hypot\u00e9ka","name":"B\u011b\u017en\u00fd hypote\u010dn\u00ed \u00fav\u011br vs. americk\u00e1 hypot\u00e9ka","description":"Pokud si chceme split sen o vlastn\u00edm bydlen\u00ed, pov\u011bt\u0161inou se neobejdeme bez hypot\u00e9ky, kter\u00e1 n\u00e1m tento n\u00e1\u0161 velk\u00fd sen pom\u016f\u017ee zafinancovat. Poj\u010fme si spole\u010dn\u011b p\u0159edstavit dva z\u00e1kladn\u00ed typy \u00fav\u011brov\u00fdch produkt\u016f, se kter\u00fdmi je to mo\u017en\u00e9. Hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed Zkr\u00e1tka klasick\u00e1 hypot\u00e9ka, kterou dnes nab\u00edz\u00ed u\u017e \u0159ada bankovn\u00edch spole\u010dnost\u00ed. Jedn\u00e1 se o \u00fa\u010delov\u00fd \u00fav\u011br a […]","datePublished":"2021-06-21","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.flexit.cz\/author\/#Person","name":"flexit.cz","url":"https:\/\/www.flexit.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"flexit.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.flexit.cz\/wp-content\/uploads\/kl%C3%AD%C4%8De%20od%20domu_10_8.jpg","url":"https:\/\/www.flexit.cz\/wp-content\/uploads\/kl%C3%AD%C4%8De%20od%20domu_10_8.jpg","height":0,"width":0},"url":"https:\/\/www.flexit.cz\/bezny-hypotecni-uver-vs-americka-hypoteka\/","about":["Ekonomika"],"wordCount":392,"articleBody":"       Pokud si chceme split sen o vlastn\u00edm bydlen\u00ed, pov\u011bt\u0161inou se neobejdeme bez hypot\u00e9ky, kter\u00e1 n\u00e1m tento n\u00e1\u0161 velk\u00fd sen pom\u016f\u017ee zafinancovat. Poj\u010fme si spole\u010dn\u011b p\u0159edstavit dva z\u00e1kladn\u00ed typy \u00fav\u011brov\u00fdch produkt\u016f, se kter\u00fdmi je to mo\u017en\u00e9. Hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00edZkr\u00e1tka klasick\u00e1 hypot\u00e9ka, kterou dnes nab\u00edz\u00ed u\u017e \u0159ada bankovn\u00edch spole\u010dnost\u00ed. Jedn\u00e1 se o \u00fa\u010delov\u00fd \u00fav\u011br a pen\u00edze z n\u011bho je tak mo\u017en\u00e9 \u010derpat jen za \u00fa\u010delem, p\u0159edem definovan\u00fd poskytovatelem \u00fav\u011bru. Pov\u011bt\u0161inou se jedn\u00e1 pr\u00e1v\u011b o realizaci vlastn\u00edho bydlen\u00ed. Ve\u0161ker\u00e9 v\u00fddaje spojen\u00e9 s nemovitost\u00ed je tak zapot\u0159eb\u00ed dokl\u00e1dat bance za pomoci dokument\u016f, \u00fa\u010dtenek, faktur atd. Jedn\u00e1 se o hypot\u00e9ku, tud\u00ed\u017e po v\u00e1s bude banka vy\u017eadovat z\u00e1stavu nemovitosti. V p\u0159\u00edpad\u011b, kdy nem\u016f\u017eete ru\u010dit pr\u00e1v\u011b nemovitost\u00ed a nap\u0159\u00edklad se rozhodnete pro stavbu vlastn\u00edho domu, jsou pen\u00edze z hypot\u00e9ky uvol\u0148ov\u00e1ny postupn\u011b dle f\u00e1ze v\u00fdstavby. Hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed je v sou\u010dasn\u00e9 dob\u011b nejv\u00fdhodn\u011bj\u0161\u00ed \u00fav\u011brov\u00fd produkt na trhu. Nab\u00edz\u00ed toti\u017e bezkonkuren\u010dn\u00ed ro\u010dn\u00ed \u00farokovou sazbu, kter\u00e1 se v sou\u010dasn\u00e9 dob\u011b pohybuje kolem 1,5%. Nav\u00edc je \u00farok poji\u0161t\u011bn fixac\u00ed t\u0159eba i na deset let, v\u017edy v\u0161ak z\u00e1le\u017e\u00ed na intern\u00edch podm\u00ednk\u00e1ch dan\u00e9 banky a \u00fav\u011brov\u00e9 smlouv\u011b. Hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed je \u017eadateli v\u0161ak schv\u00e1len pouze v 70% z\u00e1stavn\u00ed hodnoty nemovitosti, zbyl\u00fdch 30% mus\u00ed \u017eadatel financovat z vlastn\u00edch prost\u0159edk\u016f. Americk\u00e1 hypot\u00e9ka Americkou hypot\u00e9ku \u0159ada lid\u00ed vol\u00ed pro jej\u00ed ne\u00fa\u010delovost. Pen\u00edze z \u00fav\u011bru je tak mo\u017en\u00e9 \u010derpat dle sv\u00e9ho uv\u00e1\u017een\u00ed \u2013 cestov\u00e1n\u00ed, studium v zahrani\u010d\u00ed, automobil, bydlen\u00ed atd. Je v\u00fdhodn\u00e1 v p\u0159\u00edpad\u011b, kdy \u0159emesln\u00edci nab\u00edz\u00ed v\u00fdraznou slevu p\u0159i platb\u011b na ruku. Benevolentnost je v\u0161ak do zna\u010dn\u00e9 m\u00edry vykoupena vy\u0161\u0161\u00ed \u00farokovou sazbou, kter\u00e1 je v sou\u010dasn\u00e9 dob\u011b kolem 3%. I zde je zapot\u0159eb\u00ed ru\u010dit nemovitost\u00ed a p\u016fj\u010denou sumu splatit d\u0159\u00edve ne\u017e v p\u0159\u00edpad\u011b b\u011b\u017en\u00e9 hypot\u00e9ky. Hypot\u00e9ku na bydlen\u00ed je mo\u017en\u00e9 spl\u00e1cet a\u017e 30 let, tu americkou pouze 10 let.                                                                                                                                                                                                                                                                                                                                                                                           4.2\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"B\u011b\u017en\u00fd hypote\u010dn\u00ed \u00fav\u011br vs. americk\u00e1 hypot\u00e9ka","item":"https:\/\/www.flexit.cz\/bezny-hypotecni-uver-vs-americka-hypoteka\/#breadcrumbitem"}]}]