[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tulipy.cz\/americka-hypoteka-bez-dokladani-prijmu\/#Article","mainEntityOfPage":"https:\/\/www.tulipy.cz\/americka-hypoteka-bez-dokladani-prijmu\/","headline":"Americk\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjmu","name":"Americk\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjmu","description":"Pokud se bude jednat o b\u011b\u017enou hypot\u00e9ku, kterou ur\u010dit\u011b zn\u00e1 snad ka\u017ed\u00fd, ta v\u00e1m m\u016f\u017ee, poskytnou docela velk\u00fd obnos pen\u011bz, kter\u00e9 m\u016f\u017eete spl\u00e1cet a\u017e 40 let, podm\u00ednka je m\u00edt nemovitost do z\u00e1stavy. Jestli\u017ee nebudete hypot\u00e9ku spl\u00e1cet, nemovitost, kter\u00e1 je zastav\u011bn\u00e1 se prod\u00e1 a banka \u010di nebankovn\u00ed spole\u010dnost si se z\u00edskan\u00fdmi pen\u011bzi uhrad\u00ed v\u00e1\u0161 dluh. \u010casto […]","datePublished":"2020-05-17","dateModified":"2023-06-07","author":{"@type":"Person","@id":"https:\/\/www.tulipy.cz\/author\/#Person","name":"","url":"https:\/\/www.tulipy.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tulipy.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tulipy.cz\/wp-content\/uploads\/suma%20pen%C4%9Bz.jpg","url":"https:\/\/www.tulipy.cz\/wp-content\/uploads\/suma%20pen%C4%9Bz.jpg","height":0,"width":0},"url":"https:\/\/www.tulipy.cz\/americka-hypoteka-bez-dokladani-prijmu\/","wordCount":406,"articleBody":"      Pokud se bude jednat o b\u011b\u017enou hypot\u00e9ku, kterou ur\u010dit\u011b zn\u00e1 snad ka\u017ed\u00fd, ta v\u00e1m m\u016f\u017ee, poskytnou docela velk\u00fd obnos pen\u011bz, kter\u00e9 m\u016f\u017eete spl\u00e1cet a\u017e 40 let, podm\u00ednka je m\u00edt nemovitost do z\u00e1stavy. Jestli\u017ee nebudete hypot\u00e9ku spl\u00e1cet, nemovitost, kter\u00e1 je zastav\u011bn\u00e1 se prod\u00e1 a banka \u010di nebankovn\u00ed spole\u010dnost si se z\u00edskan\u00fdmi pen\u011bzi uhrad\u00ed v\u00e1\u0161 dluh. \u010casto se ale ne\u0159\u00edk\u00e1, \u017ee b\u011b\u017en\u00e1 hypot\u00e9ka je \u00fa\u010delov\u00e1. V jin\u00e9m zn\u011bn\u00ed, to znamen\u00e1, \u017ee finan\u010dn\u00ed obnos, kter\u00fd z\u00edsk\u00e1te, mus\u00edte pou\u017e\u00edt na bydlen\u00ed a to na koupi, rekonstrukci, \u010di na v\u00fdstavbu, ale ne na n\u011bco jin\u00e9ho. Jsou ale lidi, kte\u0159\u00ed maj\u00ed nemovitost, ale pot\u0159ebovali by z\u00edskat finan\u010dn\u00ed obnos na n\u011bco jin\u00e9ho. Toto \u0159e\u0161\u00ed americk\u00e1 hypot\u00e9ka, jeliko\u017e je bez\u00fa\u010delov\u00e1. Jenom\u017ee mus\u00edme vz\u00edt v potaz to, \u017ee m\u00e1 daleko vy\u0161\u0161\u00ed \u00faro\u010den\u00ed, ne\u017e je u klasick\u00e9 hypot\u00e9ky.Kde sehnat americkou hypot\u00e9ku bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjmu?V prvn\u00ed \u0159ad\u011b americk\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjmu se d\u00e1 sehnat v bance, ale nen\u00ed to, tak jak se na prvn\u00ed pohled zd\u00e1, proto\u017ee jsou zde r\u016fzn\u00e9 pravidla a omezen\u00ed. Pokud \u017e\u00e1d\u00e1te o klasickou hypot\u00e9ku, tak tam v\u00e1m m\u016f\u017eou p\u016fj\u010dit a\u017e skoro do v\u00fd\u0161e 100% hodnoty zastaven\u00e9 nemovitosti. U americk\u00e9 hypot\u00e9ky bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjmu to je tak, \u017ee ta v\u00e1m nenab\u00eddne v\u00edce ne\u017e 50% hodnoty zastav\u011bn\u00e9 nemovitosti. N\u011bkter\u00e9 banky opravdu v\u00e1m p\u016fj\u010d\u00ed, ani\u017e by se ptali na to, kolik vyd\u011bl\u00e1v\u00e1te.Jin\u00e9 banky zas necht\u011bj\u00ed p\u016fj\u010dit pen\u00edze klient\u016fm, kter\u00e9 neznaj\u00ed a klienty, kter\u00e9 znaj\u00ed, tak jim bude vy\u0159\u00edzen\u00e1 americk\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjmu. Ur\u010dit\u011b co po v\u00e1s banka bude cht\u00edt, je doklad o tom, \u017ee nem\u00e1te \u017e\u00e1dn\u00e9 dluhy, taky se nikdo na p\u0159\u00edjmy nept\u00e1, kdy\u017e u nich budete \u017e\u00e1dat o refinancov\u00e1n\u00ed americk\u00e9 hypot\u00e9ky. Ur\u010dit \u00farokovou sazbu americk\u00e9 hypot\u00e9ky je t\u011b\u017ek\u00e9, jeliko\u017e se pohybuje od 3 do 8 procent. Pokud v\u00e1s v bance odm\u00edtli, m\u016f\u017eete samoz\u0159ejm\u011b po\u017e\u00e1dat o americkou hypot\u00e9ku u nebankovn\u00ed spole\u010dnosti, kter\u00e9 maj\u00ed m\u00edrn\u00e9 podm\u00ednky, ne\u017e je tomu tak u banky.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Americk\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjmu","item":"https:\/\/www.tulipy.cz\/americka-hypoteka-bez-dokladani-prijmu\/#breadcrumbitem"}]}]