[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.panbex.cz\/rozdil-mezi-beznou-a-americkou-hypotekou\/#Article","mainEntityOfPage":"https:\/\/www.panbex.cz\/rozdil-mezi-beznou-a-americkou-hypotekou\/","headline":"Rozd\u00edl mezi b\u011b\u017enou a americkou hypot\u00e9kou","name":"Rozd\u00edl mezi b\u011b\u017enou a americkou hypot\u00e9kou","description":"V portfoliu v\u011bt\u0161iny bank u\u017e dnes nenaraz\u00edte pouze na b\u011b\u017en\u00fd hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed. Spole\u010dn\u011b s n\u00edm kraluje i americk\u00e1 hypot\u00e9ka, kter\u00e1 v\u00e9vod\u00ed ne\u00fa\u010delov\u00fdm \u00fav\u011br\u016fm. […]","datePublished":"2021-02-19","dateModified":"2023-07-13","author":{"@type":"Person","@id":"https:\/\/www.panbex.cz\/author\/#Person","name":"","url":"https:\/\/www.panbex.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0c97be8873d84c78e7a3da39294dc9e209ea44cdddcf1d79ac5ad761aa3cfc7f?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0c97be8873d84c78e7a3da39294dc9e209ea44cdddcf1d79ac5ad761aa3cfc7f?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"panbex.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.panbex.cz\/wp-content\/uploads\/art397745_16x9_20260820_171912_jdcZX0.jpg","url":"https:\/\/www.panbex.cz\/wp-content\/uploads\/art397745_16x9_20260820_171912_jdcZX0.jpg","height":0,"width":0},"url":"https:\/\/www.panbex.cz\/rozdil-mezi-beznou-a-americkou-hypotekou\/","about":["Online"],"wordCount":384,"articleBody":"            V portfoliu v\u011bt\u0161iny bank u\u017e dnes nenaraz\u00edte pouze na b\u011b\u017en\u00fd hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed. Spole\u010dn\u011b s n\u00edm kraluje i americk\u00e1 hypot\u00e9ka, kter\u00e1 v\u00e9vod\u00ed ne\u00fa\u010delov\u00fdm \u00fav\u011br\u016fm. Jak\u00fd je mezi t\u011bmito dv\u011bma \u00fav\u011brov\u00fdmi produkty rozd\u00edl a kdy se vyplat\u00ed s\u00e1hnout pr\u00e1v\u011b po americk\u00e9 hypot\u00e9ce?  Rozd\u00edl\u016f mezi nimi je v\u00edce ne\u017e dost, poj\u010fme si tedy alespo\u0148 v kr\u00e1tkosti p\u0159edstavit ty nejz\u00e1sadn\u011bj\u0161\u00ed. \u00da\u010delovost  Pro v\u011bt\u0161inu lid\u00ed asi nebude \u017e\u00e1dnou novinkou, \u017ee hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed je ryze \u00fa\u010delov\u00fd produkt, kter\u00fd je nej\u010dast\u011bji sjedn\u00e1v\u00e1n na investici do vlastn\u00edho bydlen\u00ed. Vyu\u017e\u00edt lze tedy v p\u0159\u00edpad\u011b v\u00fdstavby, rekonstrukce nebo koupi nemovitosti. Aby m\u011bl v\u011b\u0159itel opravdu jistotu, \u017ee pen\u00edze z hypote\u010dn\u00edho \u00fav\u011bru budou \u010derp\u00e1ny jen a pouze na bydlen\u00ed, je dlu\u017en\u00edk nucen ve\u0161ker\u00e9 v\u00fddaje dokl\u00e1dat pomoc\u00ed dokument\u016f, faktur a \u00fa\u010dtenek.   Oproti tomu americk\u00e1 hypot\u00e9ka je ne\u00fa\u010delov\u00fd \u00fav\u011br, pen\u00edze z n\u00ed je tedy mo\u017en\u00e9 \u010derpat t\u00e9m\u011b\u0159 na cokoliv. Mnoho \u017eadatel\u016f c\u00edl\u00ed p\u0159\u00edmo na n\u00ed z jak\u00e9si pohodlnosti, pen\u00edze z n\u00ed lze \u010derpat na cokoliv \u2013 cestov\u00e1n\u00ed, studium v zahrani\u010d\u00ed, koup\u011b automobilu atd. I americkou hypot\u00e9ku je mo\u017en\u00e9 vyu\u017e\u00edt na financov\u00e1n\u00ed vlastn\u00edho bydlen\u00ed, vzhledem k vy\u0161\u0161\u00ed \u00farokov\u00e9 sazb\u011b je to ale krajn\u011b nev\u00fdhodn\u00e9.  \u00darokov\u00e1 sazba  I d\u00edky sv\u00e9 ne\u00fa\u010delovosti je pro mnoh\u00e9 \u017eadatele o \u00fav\u011br americk\u00e1 hypot\u00e9ka jasnou volbou. P\u0159itom mnoz\u00ed z nich \u010dasto zapom\u00ednaj\u00ed, \u017ee americk\u00e1 hypot\u00e9ka se vyplat\u00ed jen v n\u011bkter\u00fdch p\u0159\u00edpadech. Za pohodl\u00ed, kter\u00e9 nab\u00edz\u00ed americk\u00e1 hypot\u00e9ka je pot\u0159eb\u00ed zaplatit vy\u0161\u0161\u00ed \u00farokovou sazbou. Vypo\u010d\u00edtat parametry dan\u00e9 hypot\u00e9ky v\u00e1m pom\u016f\u017ee americk\u00e1 hypot\u00e9ka kalkula\u010dka. P\u0159esto se jedn\u00e1 o v\u00fdhodn\u011bj\u0161\u00ed variantu financov\u00e1n\u00ed sv\u00fdch dlouhodob\u00fdch pl\u00e1n\u016f, ne\u017e nab\u00edz\u00ed b\u011b\u017en\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br.  Ro\u010dn\u00ed \u00farokov\u00e1 sazba se u hypote\u010dn\u00edho \u00fav\u011bru na bydlen\u00ed pohybuje kolem 1,5%, u americk\u00e9 hypot\u00e9ky je to kolem 3-5%. U spot\u0159ebitelsk\u00e9ho \u00fav\u011bru nab\u00edzej\u00ed banky \u00farokovou sazbu kolem 10%.                                                                                                                                                                                                                                                                                                                                                                                                   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