[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.mkdcb.cz\/pro-a-proti-americke-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.mkdcb.cz\/pro-a-proti-americke-hypoteky\/","headline":"Pro a proti americk\u00e9 hypot\u00e9ky","name":"Pro a proti americk\u00e9 hypot\u00e9ky","description":"Po\u0159\u00eddit si nemovitost nen\u00ed jednoduch\u00e9 rozhodnut\u00ed a sjednat si f\u00e9rovou hypot\u00e9ku u\u017e nen\u00ed jednoduch\u00e9 v\u016fbec. Spole\u010dnost\u00ed, kter\u00e9 je poskytuj\u00ed a mo\u017enost\u00ed, kter\u00e9 m\u00e1te je skute\u010dn\u011b hodn\u011b a vyznat se v tom je pro b\u011b\u017en\u00e9ho \u010dlov\u011bka t\u00e9m\u011b\u0159 nadlidsk\u00fd \u00fakol. S rozhodnut\u00edm v\u00e1m zajist\u00e9 pomohou nejen rodina a p\u0159\u00e1tel\u00e9, ale tak\u00e9 finan\u010dn\u00ed poradci a online srovn\u00e1va\u010de. B\u00e1je\u010dn\u00e9 […]","datePublished":"2019-02-12","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.mkdcb.cz\/author\/#Person","name":"mkdcb.cz\n","url":"https:\/\/www.mkdcb.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"mkdcb.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.mkdcb.cz\/wp-content\/uploads\/img_a337521_w2052_t1550597516.jpg","url":"https:\/\/www.mkdcb.cz\/wp-content\/uploads\/img_a337521_w2052_t1550597516.jpg","height":0,"width":0},"url":"https:\/\/www.mkdcb.cz\/pro-a-proti-americke-hypoteky\/","about":["D\u016fm a zahrada"],"wordCount":499,"articleBody":" Po\u0159\u00eddit si nemovitost nen\u00ed jednoduch\u00e9 rozhodnut\u00ed a sjednat si f\u00e9rovou hypot\u00e9ku u\u017e nen\u00ed jednoduch\u00e9 v\u016fbec. Spole\u010dnost\u00ed, kter\u00e9 je poskytuj\u00ed a mo\u017enost\u00ed, kter\u00e9 m\u00e1te je skute\u010dn\u011b hodn\u011b a vyznat se v tom je pro b\u011b\u017en\u00e9ho \u010dlov\u011bka t\u00e9m\u011b\u0159 nadlidsk\u00fd \u00fakol. S rozhodnut\u00edm v\u00e1m zajist\u00e9 pomohou nejen rodina a p\u0159\u00e1tel\u00e9, ale tak\u00e9 finan\u010dn\u00ed poradci a online srovn\u00e1va\u010de.  B\u00e1je\u010dn\u00e9 v\u00fdhody Obrovskou a nejv\u011bt\u0161\u00ed v\u00fdhodou americk\u00e9ho \u00fav\u011bru je jednozna\u010dn\u011b jej\u00ed \u00farokov\u00e1 sazba. Je toti\u017e ni\u017e\u0161\u00ed ne\u017e u jin\u00fdch druh\u016f p\u016fj\u010dek, a to zejm\u00e9na d\u00edky tomu, \u017ee bankovn\u00ed spole\u010dnosti ru\u010d\u00edte vlastn\u00ed nemovitost\u00ed. To pro n\u011b znamen\u00e1 ni\u017e\u0161\u00ed riziko a tud\u00ed\u017e mohou poskytnout i ni\u017e\u0161\u00ed \u00farok. Velk\u00e9 plus je tak\u00e9 dlouh\u00e1 doba splatnosti, kter\u00e1 zpravidla \u010din\u00ed 15 a\u017e 20 let. A p\u0159i koupi domu jist\u011b ocen\u00edte tak\u00e9 mo\u017enost p\u016fj\u010dit si pom\u011brn\u011b vysokou \u010d\u00e1stku. Stejn\u011b jako u jin\u00fdch druh\u016f hypot\u00e9k si m\u016f\u017eete p\u016fj\u010dit maxim\u00e1ln\u011b 70 procent z \u010d\u00e1stky, kterou re\u00e1ln\u011b pot\u0159ebujete. Z\u00e1le\u017e\u00ed ov\u0161em tak\u00e9 na va\u0161\u00ed bonit\u011b, tedy schopnosti platit. Na jak\u00e9 nev\u00fdhody se p\u0159ipravit? Z\u00e1kladn\u00ed v\u00fdhodou i nev\u00fdhodou z\u00e1rove\u0148 je to, \u017ee ru\u010d\u00edte svou nemovitost\u00ed. To znamen\u00e1, \u017ee kdy\u017e z n\u011bjak\u00e9ho d\u016fvodu nebudete schopni pravideln\u011b platit spl\u00e1tky, tak se m\u016f\u017ee st\u00e1t, \u017ee p\u0159ijdete o st\u0159echu nad hlavou. A to nechce nikdo z n\u00e1s. M\u016f\u017eete proto uzav\u0159\u00edt i hypot\u00e9ku bez z\u00e1stavy, u kter\u00fdch ale mus\u00edte po\u010d\u00edtat s pom\u011brn\u011b vysok\u00fdmi \u00faroky.  D\u00e1le plat\u00ed, \u017ee \u010d\u00edm del\u0161\u00ed dobu fixace si zvol\u00edte, t\u00edm vy\u0161\u0161\u00ed bude va\u0161e \u00farokov\u00e1 sazba. Klasicky si ji m\u016f\u017ee zvolit na rok, t\u0159i roky, \u010dty\u0159i roky, p\u011bt i deset let. Dal\u0161\u00ed nev\u00fdhodou, kter\u00e1 v\u00e1s ov\u0161em nijak nepostihne finan\u010dn\u011b, je mno\u017estv\u00ed administrativy. Aby v\u00e1m banka hypot\u00e9ku schv\u00e1lila, mus\u00edte j\u00ed dolo\u017eit velk\u00e9 mno\u017estv\u00ed dokument\u016f a potvrzen\u00ed. To je ta lep\u0161\u00ed \u010d\u00e1st. Hor\u0161\u00ed je, \u017ee v\u00e1s \u010dek\u00e1 tak\u00e9 spousta poplatk\u016f. Za\u010dnete u poplatk\u016f za schv\u00e1len\u00ed \u017e\u00e1dosti, kter\u00e9 \u010din\u00ed od 0,25 % do 1 % z \u010d\u00e1stky. Pot\u00e9 v\u00e1s ka\u017ed\u00fd m\u011bs\u00edc \u010dekaj\u00ed poplatky za veden\u00ed \u00fa\u010dtu, kter\u00e9 jsou od 40 K\u010d do 150 K\u010d za m\u011bs\u00edc. To znamen\u00e1, \u017ee kdy\u017e budete spl\u00e1cet dvacet let, tak se jen suma za tyto poplatky m\u016f\u017ee vy\u0161plhat klidn\u011b na 36 tis\u00edc K\u010d. U ne\u00fa\u010delov\u00e9ho \u00fav\u011bru si nav\u00edc nem\u016f\u017eete spl\u00e1tky ode\u010d\u00edst z dan\u00ed, nem\u016f\u017eete \u010derpat st\u00e1tn\u00ed podporu, ani \u010d\u00e1stku p\u0159ed\u010dasn\u011b splatit bez sank\u010dn\u00edho poplatku. Ne\u017e n\u011bco podep\u00ed\u0161ete, tak si v\u017edy po\u0159\u00e1dn\u011b spo\u010d\u00edtejte, kolik v\u00e1s v\u0161e ve fin\u00e1le bude st\u00e1t, a\u0165 pozd\u011bji nejste nemile p\u0159ekvapeni.                                                                                                                                                                                                                                                                                                                                                                                         4.5\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro a proti americk\u00e9 hypot\u00e9ky","item":"https:\/\/www.mkdcb.cz\/pro-a-proti-americke-hypoteky\/#breadcrumbitem"}]}]