[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.abiti.cz\/americka-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.abiti.cz\/americka-hypoteka\/","headline":"Americk\u00e1 hypot\u00e9ka","name":"Americk\u00e1 hypot\u00e9ka","description":"Tr\u00e1p\u00ed v\u00e1s finance? Pot\u0159ebujete narychlo z\u00edskat v\u011bt\u0161\u00ed obnos pen\u011bz? V\u00edte, \u017ee jste m\u011bli v minulosti n\u011bjak\u00fd proh\u0159e\u0161ek, tak\u017ee z\u0159ejm\u011b budete zaps\u00e1ni v registrech dlu\u017en\u00edk\u016f? A\u0165 u\u017e kv\u016fli opo\u017ed\u011bn\u00e9 spl\u00e1tce nebo t\u0159eba kv\u016fli jedn\u00e9 jedin\u00e9 nezaplacen\u00e9 slo\u017eence? V t\u011bchto p\u0159\u00edpadech m\u016f\u017eete na\u0161t\u011bst\u00ed mimo bankovn\u00edho sektoru vyzkou\u0161et tak\u00e9 ten nebankovn\u00ed, kter\u00fd v dne\u0161n\u00ed dob\u011b velice schopn\u011b konkuruje […]","datePublished":"2018-07-02","dateModified":"2023-05-19","author":{"@type":"Person","@id":"https:\/\/www.abiti.cz\/author\/#Person","name":"","url":"https:\/\/www.abiti.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a414941ff2b86a79f1a70a433f21d60df00047fefe742a46b6fded139881a475?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a414941ff2b86a79f1a70a433f21d60df00047fefe742a46b6fded139881a475?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"abiti.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.abiti.cz\/wp-content\/uploads\/img_a321038_w1693_t1532242442.jpg","url":"https:\/\/www.abiti.cz\/wp-content\/uploads\/img_a321038_w1693_t1532242442.jpg","height":0,"width":0},"url":"https:\/\/www.abiti.cz\/americka-hypoteka\/","about":["Finance"],"wordCount":492,"articleBody":"   Tr\u00e1p\u00ed v\u00e1s finance? Pot\u0159ebujete narychlo z\u00edskat v\u011bt\u0161\u00ed obnos pen\u011bz? V\u00edte, \u017ee jste m\u011bli v minulosti n\u011bjak\u00fd proh\u0159e\u0161ek, tak\u017ee z\u0159ejm\u011b budete zaps\u00e1ni v registrech dlu\u017en\u00edk\u016f? A\u0165 u\u017e kv\u016fli opo\u017ed\u011bn\u00e9 spl\u00e1tce nebo t\u0159eba kv\u016fli jedn\u00e9 jedin\u00e9 nezaplacen\u00e9 slo\u017eence? V t\u011bchto p\u0159\u00edpadech m\u016f\u017eete na\u0161t\u011bst\u00ed mimo bankovn\u00edho sektoru vyzkou\u0161et tak\u00e9 ten nebankovn\u00ed, kter\u00fd v dne\u0161n\u00ed dob\u011b velice schopn\u011b konkuruje bank\u00e1m a nab\u00edz\u00ed v\u00fdhodn\u00e9 podm\u00ednky, velice \u010dasto podobn\u00e9 t\u011bm, kter\u00e9 byste mohli z\u00edskat v b\u011b\u017en\u00e9 bance. V ka\u017ed\u00e9 bance je d\u016fle\u017eit\u00e9, abyste byli bonitn\u00ed klient, jinak p\u016fj\u010dku ani \u00fav\u011br nez\u00edsk\u00e1te. To znamen\u00e1, \u017ee nesm\u00edte m\u00edt z\u00e1znam v registru dlu\u017en\u00edk\u016f (Jak jsme si ji\u017e \u0159ekli, sta\u010d\u00ed jedna opo\u017ed\u011bn\u00e1 spl\u00e1tka a va\u0161e jm\u00e9no se tam bohu\u017eel objev\u00ed.) Nesm\u00edte m\u00edt moc vysok\u00fd v\u011bk, mus\u00edte m\u00edt stabiln\u00ed a dlouhodob\u00e9 zam\u011bstn\u00e1n\u00ed s prokazateln\u00fdmi p\u0159\u00edjmy.   Banky tak\u00e9 rozd\u011bluj\u00ed, zda se jedn\u00e1 o bez\u00fa\u010delnou nebo \u00fa\u010delnou p\u016fj\u010dku. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f se jedn\u00e1 o \u00fa\u010delnou, nap\u0159\u00edklad kdy\u017e \u017e\u00e1d\u00e1te pen\u00edze na rekonstrukci bytu na vybaven\u00ed dom\u00e1cnosti, koupi domu, nebo pot\u0159ebujete vyplatit n\u011bkoho z d\u011bdictv\u00ed. V ka\u017ed\u00e9m takov\u00e9m p\u0159\u00edpad\u011b se jedn\u00e1 o \u00fa\u010delnou p\u016fj\u010dku.    V \u010dem tkv\u00ed v\u00fdhody nebankovn\u00edho sektoru? Nebankovn\u00ed sektor se nemus\u00ed \u0159\u00eddit takov\u00fdmi pravidly jako banky, proto m\u016f\u017ee m\u00edt daleko benevolentn\u011bj\u0161\u00ed, tedy m\u00edrn\u011bj\u0161\u00ed p\u0159\u00edstup. Dok\u00e1\u017eeme v\u00e1m zajistit hypot\u00e9ku bez ohledu na v\u011bk, nebo bez ohledu na v\u00e1\u0161 p\u0159\u00edjem. Nezkoum\u00e1me ani registry, proto\u017ee z\u00e1znamy b\u011b\u017en\u011b tolerujeme. Americk\u00e1 hypot\u00e9ka v\u00e1m pom\u016f\u017ee z\u00edskat finance na cokoliv, co pot\u0159ebujete. Ke v\u0161em m\u00e1me stejn\u011b otev\u0159en\u00fd p\u0159\u00edstup. Jedn\u00e1 se o \u00fav\u011br bez slo\u017eit\u00e9ho pap\u00edrov\u00e1n\u00ed a n\u00e1ro\u010dn\u00e9ho vy\u0159izov\u00e1n\u00ed.A co z\u00edsk\u00e1te?  A\u017e 70% z odhadn\u00ed ceny nemovitosti \u2013 stejn\u00e9 jako v bance, proto\u017ee v dne\u0161n\u00ed dob\u011b nen\u00ed povoleno od \u010cNB, aby se d\u00e1valo v\u00edce procent. Toto je stanoven\u00fd limit. Doba spl\u00e1cen\u00ed od jednoho roku a\u017e na 30 let. Velmi v\u00fdhodn\u00e9 pro ka\u017ed\u00e9ho, kdo si chce t\u0159eba sn\u00ed\u017eit spl\u00e1tky t\u00edm, \u017ee si nat\u00e1hne dobu spl\u00e1cen\u00ed. \u017d\u00e1dn\u00e9 poplatky p\u0159edem. Neplat\u00edte ani nic za odhad, ten si provedeme sami, nic za zpracov\u00e1n\u00ed ani za vy\u0159\u00edzen\u00ed. N\u00e1vrh va\u0161\u00ed situace a zpracovan\u00e9 \u0159e\u0161en\u00ed je zdarma, tak\u017ee na za\u010d\u00e1tku nic neplat\u00edte za to, \u017ee se n\u00e1m ozvete a my v\u00e1m p\u0159edb\u011b\u017en\u011b zpracujeme n\u00e1vrh \u0159e\u0161en\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Americk\u00e1 hypot\u00e9ka","item":"https:\/\/www.abiti.cz\/americka-hypoteka\/#breadcrumbitem"}]}]