{"id":1932,"date":"2018-11-28T15:15:38","date_gmt":"2018-11-28T14:15:38","guid":{"rendered":"https:\/\/stalo-se.cz\/?p=1932"},"modified":"2018-11-28T15:15:38","modified_gmt":"2018-11-28T14:15:38","slug":"americka-hypoteka-nemusi-byt-jen-touzebnym-americkym-snem","status":"publish","type":"post","link":"https:\/\/stalo-se.cz\/?p=1932","title":{"rendered":"Americk\u00e1 hypot\u00e9ka nemus\u00ed b\u00fdt jen tou\u017eebn\u00fdm americk\u00fdm snem"},"content":{"rendered":"

Chyst\u00e1te se ke kroku po\u0159\u00edzen\u00ed hypot\u00e9ky, abyste si mohli zajistit vlastn\u00ed bydlen\u00ed? \u010ci zva\u017eujete jinou rozs\u00e1hlej\u0161\u00ed investici, kterou budete muset del\u0161\u00ed dobu spl\u00e1cet? V tom p\u0159\u00edpad\u011b se nab\u00edz\u00ed ot\u00e1zka, jak\u00fd typ \u00fav\u011bru zvolit, zda \u00fa\u010delov\u00fd, \u010di ne\u00fa\u010delov\u00fd. Pod\u00edvejte se s n\u00e1mi podrobn\u011bji na tuto problematiku a p\u0159edev\u0161\u00edm na ne\u00fa\u010delov\u00fd hypote\u010dn\u00ed \u00fav\u011br zvan\u00fd americk\u00e1 hypot\u00e9ka. Jak\u00e9 jsou jeho klady a rizika?<\/span><\/i><\/p>\n

Je lep\u0161\u00ed \u00fa\u010delov\u00fd, \u010di ne\u00fa\u010delov\u00fd \u00fav\u011br? <\/span><\/h2>\n

Dne\u0161n\u00ed doba nab\u00edz\u00ed \u0159adu mo\u017enost\u00ed a mezi n\u011b se \u0159ad\u00ed i <\/span>\u00fa\u010delov\u00e9 a ne\u00fa\u010delov\u00e9 \u00fav\u011bry<\/span><\/a>. Mnoho lid\u00ed instinktivn\u011b vol\u00ed \u00fa\u010delov\u00fd \u00fav\u011br, kter\u00fd se specificky v\u00e1\u017ee k zakoupen\u00e9mu zbo\u017e\u00ed, typicky pak k po\u0159\u00edzen\u00ed nemovit\u00e9ho majetku. Jedn\u00e1 se o v\u00fdhodn\u00fd krok v p\u0159\u00edpad\u011b, \u017ee si je kupuj\u00edc\u00ed naprosto jist sv\u00fdm z\u00e1m\u011brem, od kter\u00e9ho se nepl\u00e1nuje nijak odch\u00fdlit. Jedn\u00e1-li se v\u0161ak o p\u0159\u00edpad klienta, resp. kupuj\u00edc\u00edho, kter\u00fd je\u0161t\u011b v ur\u010dit\u00fdch bodech v\u00e1h\u00e1, je pak pro n\u011bj ide\u00e1ln\u011bj\u0161\u00ed volbou ne\u00fa\u010delov\u00fd \u00fav\u011br, kter\u00fd se m\u016f\u017ee vztahovat k mnoha aktiv\u016fm. Lze j\u00edm nap\u0159\u00edklad hradit po\u0159\u00edzen\u00ed ur\u010dit\u00e9ho produktu a zbylou \u010d\u00e1st je mo\u017en\u00e9 investovat nap\u0159\u00edklad do koup\u011b ojet\u00e9ho automobilu a podobn\u011b. Pozitivn\u00ed je tak\u00e9 skute\u010dnost, \u017ee se vylo\u017een\u00e9 n\u00e1klady nemus\u00ed dokladovat platebn\u00edmi doklady, fakturami apod., jedn\u00e1 se toti\u017e o \u010dist\u011b soukromou z\u00e1le\u017eitost klienta. <\/span><\/p>\n

Tento ne\u00fa\u010delov\u00fd \u00fav\u011br, zvan\u00fd t\u00e9\u017e jako americk\u00e1 hypot\u00e9ka, m\u016f\u017ee dob\u0159e poslou\u017eit v p\u0159\u00edpad\u011b, \u017ee pot\u0159ebujete uhradit nap\u0159\u00edklad studium na soukrom\u00e9 st\u0159edn\u00ed \u0161kole, soukrom\u00e9 vysok\u00e9 \u0161kole, po\u0159\u00eddit ur\u010ditou akreditaci \u010di certifikaci apod., kter\u00e9 jsou pot\u0159ebn\u00e9 ve va\u0161em pracovn\u00edm oboru, \u010di lze financovat nap\u0159\u00edklad koupi automobilu veter\u00e1na, um\u011bleck\u00e9ho d\u00edla apod. V\u00fdhodou americk\u00e9 hypot\u00e9ky je tak p\u0159edev\u0161\u00edm jej\u00ed volnost a nesv\u00e1zanost pravidly, proto\u017ee je oproti podm\u00ednk\u00e1m typicky platn\u00fdm pro \u00fa\u010delov\u00fd \u00fav\u011br mnohem flexibiln\u011bj\u0161\u00ed a adaptabiln\u011bj\u0161\u00ed. <\/span><\/p>\n

Americk\u00e1 hypot\u00e9ka v praxi <\/span><\/h2>\n

Ne\u00fa\u010delov\u00fd hypote\u010dn\u00ed \u00fav\u011br neboli americk\u00e1 hypot\u00e9ka pak tedy nen\u00ed explicitn\u011b nav\u00e1zan\u00fd na po\u0159\u00edzen\u00ed nemovitosti a umo\u017e\u0148uje rozvoln\u011bn\u00ed pravidel, kdy lze k nemovitosti po\u0159\u00eddit i dal\u0161\u00ed zbo\u017e\u00ed a slu\u017eby. Oproti hypote\u010dn\u00edmu \u00fav\u011bru v\u0161ak lze dos\u00e1hnout na v\u00fdhodn\u011bj\u0161\u00ed \u00farokovou sazbu, a to nap\u0159\u00edklad i 2,89 % ro\u010dn\u011b, kdy fixace se vztahuje k dob\u011b jednoho roku. Podm\u00ednky pro poskytnut\u00ed americk\u00e9 hypot\u00e9ky, nap\u0159\u00edklad mHypot\u00e9ky \u010di obdobn\u00e9ho finan\u010dn\u00edho produktu, jsou v\u0161ak p\u0159\u00edsn\u011bj\u0161\u00ed, ne\u017e je tomu u klasick\u00fdch spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f. Pozitivem v\u0161ak je, \u017ee je <\/span>americk\u00e1 hypot\u00e9ka<\/span><\/a> poskytov\u00e1na pouze t\u011bm \u017eadatel\u016fm, kte\u0159\u00ed maj\u00ed odpov\u00eddaj\u00edc\u00ed z\u00e1zem\u00ed pro spl\u00e1cen\u00ed finan\u010dn\u00edch z\u00e1vazk\u016f a nep\u0159ivod\u00ed tak negativn\u00ed finan\u010dn\u00ed situaci sob\u011b \u010di n\u011bkomu dal\u0161\u00edmu. <\/span><\/p>\n

Nab\u00edzen\u00e1 \u010d\u00e1stka, kterou lze prost\u0159ednictv\u00edm americk\u00e9 hypot\u00e9ky z\u00edskat, se nap\u0159\u00edklad u mBank pohybuje v rozmez\u00ed od 200 000 K\u010d a\u017e do 4 000 000 K\u010d, resp. 75 % hodnoty nemovitosti, kter\u00e1 je n\u00e1sledn\u011b d\u00e1na do z\u00e1stavy. Spl\u00e1cen\u00ed se pak odehr\u00e1v\u00e1 po dobu od 12 m\u011bs\u00edc\u016f a\u017e do 20 let v p\u0159\u00edpad\u011b ne\u00fa\u010delov\u00e9 hypot\u00e9ky, resp. 25 let, jedn\u00e1-li se o konsolidaci v\u00edce \u00fav\u011br\u016f. Poplatky za vy\u0159\u00edzen\u00ed a poskytnut\u00ed \u00fav\u011bru nejsou pak v tomto p\u0159\u00edpad\u011b \u00fa\u010dtov\u00e1ny. Pozitiva, kter\u00e1 tento typ \u00fav\u011bru zabezpe\u010duje, spo\u010d\u00edvaj\u00ed i v bezplatn\u00e9m veden\u00ed b\u011b\u017en\u00e9ho a \u00fav\u011brov\u00e9ho \u00fa\u010dtu a sou\u010dasn\u011b i v mo\u017enosti vy\u0159\u00edzen\u00ed mimo\u0159\u00e1dn\u00fdch spl\u00e1tek, a to a\u017e do v\u00fd\u0161e 25 % \u010d\u00e1stky \u00fav\u011bru ro\u010dn\u011b. Rovn\u011b\u017e a\u017e do v\u00fd\u0161e poloviny hodnoty nemovitosti nen\u00ed nutn\u00e9 dokl\u00e1dat dosahovan\u00e9 finan\u010dn\u00ed p\u0159\u00edjmy. Jako dal\u0161\u00ed v\u00fdhoda se nab\u00edz\u00ed i flexibiln\u00ed on-line ocen\u011bn\u00ed nemovitosti a garance fixace \u00farokov\u00e9 sazby 30 dn\u00ed od podpisu \u017e\u00e1dosti, kterou zprost\u0159edkov\u00e1v\u00e1 mBank. <\/span><\/p>\n

Nad slunce d\u016fle\u017eit\u00e9: pou\u017eit\u00ed n\u011bkolika online kalkul\u00e1tor\u016f <\/span><\/h2>\n

V dne\u0161n\u00ed dob\u011b na\u0161t\u011bst\u00ed nen\u00ed internet ji\u017e jen zl\u00fdm p\u00e1nem, ale i dobr\u00fdm sluhou, kter\u00fd nab\u00edz\u00ed mnoho r\u016fzn\u00fdch u\u017eite\u010dn\u00fdch n\u00e1stroj\u016f. Mezi n\u011b se \u0159ad\u00ed i online kalkul\u00e1tory, pomoc\u00ed nich\u017e lze prov\u00e1d\u011bt efektivn\u00ed a rychl\u00e9 srovn\u00e1v\u00e1n\u00ed n\u011bkolika mo\u017enost\u00ed. Rozhodujete-li se pak mezi \u00fa\u010delov\u00fdm a ne\u00fa\u010delov\u00fdm \u00fav\u011brem, zadejte si pot\u0159ebn\u00e9 parametry v\u017edy hned do n\u011bkolika kalkula\u010dek a pozorn\u011b si prohl\u00e9dn\u011bte z\u00edskan\u00e9 v\u00fdsledky. Ty toti\u017e n\u011bkdy mohou b\u00fdt a\u017e velmi p\u0159ekvapuj\u00edc\u00ed. Ned\u00edvejte se pouze na v\u00fd\u0161i \u00faroku, ale i na v\u00fd\u0161i <\/span>ro\u010dn\u00ed procentn\u00ed sazby n\u00e1klad\u016f<\/span><\/a>, a samoz\u0159ejm\u011b i na celkov\u00e9 penzum poplatk\u016f, kter\u00e9 budete muset zaplatit. <\/span><\/p>\n

Z titulu objektivity v\u0161ak pou\u017e\u00edvejte pouze kalkul\u00e1tory, kter\u00e9 jsou um\u00edst\u011bny na ofici\u00e1ln\u00edch str\u00e1nk\u00e1ch bankovn\u00edch instituc\u00ed \u010di na autorizovan\u00fdch serverech, kter\u00e9 se v\u011bnuj\u00ed ekonomick\u00fdm a finan\u010dn\u00edm t\u00e9mat\u016fm. D\u016fv\u011b\u0159uj, ale prov\u011b\u0159uj je heslo, kter\u00e9 se vztahuje i k t\u00e9to situaci. <\/span><\/p>\n

Finan\u010dn\u00ed poradce se m\u016f\u017ee st\u00e1t va\u0161\u00edm moudr\u00fdm r\u00e1dcem <\/span><\/h2>\n

Nejste-li si p\u0159ece jen ve sv\u011bt\u011b nab\u00eddek finan\u010dn\u00edch produkt\u016f zcela jisti, nen\u00ed rozhodn\u011b na \u0161kodu obr\u00e1tit se pro radu na odborn\u00e9ho finan\u010dn\u00edho poradce, kter\u00fd je mnohem v\u00edce informovan\u00fd ne\u017e pr\u016fm\u011brn\u00fd aktivn\u00ed u\u017eivatel internetu a sledovatel finan\u010dn\u00edho zpravodajstv\u00ed. Tento \u010dlov\u011bk se m\u016f\u017ee st\u00e1t va\u0161\u00edm cenn\u00fdm navig\u00e1torem, se kter\u00fdm m\u016f\u017eete probrat ve\u0161ker\u00e9 dosud z\u00edskan\u00e9 informace v\u010detn\u011b t\u011bch, kter\u00e9 v\u00e1m poskytnou online kalkul\u00e1tory a srovn\u00e1va\u010de. Dobr\u00e9 \u0159e\u0161en\u00ed tak pro v\u00e1s m\u016f\u017ee spo\u010d\u00edvat na dosah ruky, pot\u0159ebn\u00e9 je jen jej aktivn\u011b hledat!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Chyst\u00e1te se ke kroku po\u0159\u00edzen\u00ed hypot\u00e9ky, abyste si mohli zajistit vlastn\u00ed bydlen\u00ed? \u010ci zva\u017eujete jinou…<\/p>\n","protected":false},"author":1,"featured_media":1933,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[2],"tags":[116,118,117],"class_list":["post-1932","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-americka-hypoteka","tag-financni-poradce","tag-mbank"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/posts\/1932","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1932"}],"version-history":[{"count":0,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/posts\/1932\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/media\/1933"}],"wp:attachment":[{"href":"https:\/\/stalo-se.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1932"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1932"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1932"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}