[{"@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\/r%C5%AF%C5%BEov%C3%A9%20pras%C3%A1tko_5.jpg","url":"https:\/\/www.panbex.cz\/wp-content\/uploads\/r%C5%AF%C5%BEov%C3%A9%20pras%C3%A1tko_5.jpg","height":0,"width":0},"url":"https:\/\/www.panbex.cz\/rozdil-mezi-beznou-a-americkou-hypotekou\/","about":["Online"],"wordCount":386,"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\u010delovostPro 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 sazbaI 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%.                                                                                                                                                                                                                                                                                                                                                                                           4.1\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Rozd\u00edl mezi b\u011b\u017enou a americkou hypot\u00e9kou","item":"https:\/\/www.panbex.cz\/rozdil-mezi-beznou-a-americkou-hypotekou\/#breadcrumbitem"}]}]