[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.merstr.cz\/hypoteka-bankovni-nebo-ta-nebankovni\/#Article","mainEntityOfPage":"https:\/\/www.merstr.cz\/hypoteka-bankovni-nebo-ta-nebankovni\/","headline":"Hypot\u00e9ka: Bankovn\u00ed nebo ta nebankovn\u00ed?","name":"Hypot\u00e9ka: Bankovn\u00ed nebo ta nebankovn\u00ed?","description":"V\u011bd\u011bli jste, \u017ee v\u00edce ne\u017e polovina lid\u00ed m\u00e1 co do\u010din\u011bn\u00ed<span class=\"more-button\"><a href=\"https:\/\/www.merstr.cz\/hypoteka-bankovni-nebo-ta-nebankovni\/\" class=\"more-link\">P\u0159e\u010d\u00edst \u010dl\u00e1nek<span class=\"screen-reader-text\">Hypot\u00e9ka: Bankovn\u00ed nebo ta nebankovn\u00ed?<\/span><\/a><\/span>","datePublished":"2022-01-24","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.merstr.cz\/author\/#Person","name":"","url":"https:\/\/www.merstr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b682f75cb96d085fca5fbc8ca3f08e323444e236f6e6028585b73de81c46f711?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b682f75cb96d085fca5fbc8ca3f08e323444e236f6e6028585b73de81c46f711?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"merstr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.merstr.cz\/wp-content\/uploads\/pexels-mikhail-nilov-6964107.jpg","url":"https:\/\/www.merstr.cz\/wp-content\/uploads\/pexels-mikhail-nilov-6964107.jpg","height":0,"width":0},"url":"https:\/\/www.merstr.cz\/hypoteka-bankovni-nebo-ta-nebankovni\/","about":["Pen\u00edze"],"wordCount":408,"articleBody":"   V\u011bd\u011bli jste, \u017ee v\u00edce ne\u017e polovina lid\u00ed m\u00e1 co do\u010din\u011bn\u00ed s n\u011bkter\u00fdm z \u00fav\u011brov\u00fdch produkt\u016f. Mezi nejpo\u010detn\u011bj\u0161\u00ed z nich pak pat\u0159\u00ed pr\u00e1v\u011b hypot\u00e9ky. Je zapot\u0159eb\u00ed vlastn\u011b p\u0159edstavovat klasickou hypot\u00e9ku, jej\u00ed\u017e podm\u00ednky jsou n\u00e1s v\u0161em dost dob\u0159e zn\u00e1my? Jen\u017ee co ta nebankovn\u00ed, m\u016f\u017ee j\u00ed v\u016fbec konkurovat. V \u010dem se odli\u0161uj\u00ed a v \u010dem jsou naopak toto\u017en\u00e9. Bankovn\u00ed hypot\u00e9kaBankovn\u00ed hypot\u00e9ka je pon\u011bkud \u0161irok\u00fd pojem, pro up\u0159esn\u011bn\u00ed si j\u00ed mus\u00edme rozd\u011blit je\u0161t\u011b do dvou kategori\u00ed a to hypot\u00e9ka na bydlen\u00ed a americk\u00e1 hypot\u00e9ka. P\u0159i\u010dem\u017e druh\u00e1 nese tak trochu ne\u0161\u0165astn\u00fd n\u00e1zev, nebo\u0165 se nejedn\u00e1 o hypote\u010dn\u00ed \u00fav\u011br v prav\u00e9m slova smyslu, ale sp\u00ed\u0161e o dlouhodob\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br s vlastnostmi hypot\u00e9ky. Hypot\u00e9ka na bydlen\u00ed je ur\u010dena, jak u\u017e z n\u00e1zvu vypl\u00fdv\u00e1, k realizaci vlastn\u00edho bydlen\u00ed. Nez\u00e1le\u017e\u00ed p\u0159itom, zda se m\u00e1 jednat o v\u00fdstavbu, rekonstrukci, dostavbu nebo koupi. Jedn\u00e1 se o \u00fa\u010delov\u00fd \u00fav\u011br, tud\u00ed\u017e m\u00e1 dlu\u017en\u00edk povinnost dokl\u00e1dat ve\u0161ker\u00e9 v\u00fddaje s nemovitost\u00ed. Zkr\u00e1tka banka chce po dlu\u017en\u00edkovi p\u0159esn\u011b dokl\u00e1dat, na co byly pen\u00edze pou\u017eity, na opl\u00e1tku mu nab\u00eddne jednu z nejv\u00fdhodn\u011bj\u0161\u00edch \u00farokov\u00fdch sazeb ze v\u0161ech \u00fav\u011brov\u00fdch produkt\u016f. A pak je tu je\u0161t\u011b americk\u00e1 hypot\u00e9ka, kterou maj\u00ed ve sv\u00e9 nab\u00eddce t\u00e9\u017e nebankovn\u00ed spole\u010dnosti. Americk\u00e1 hypot\u00e9ka je ne\u00fa\u010delov\u00fd \u00fav\u011br, je tedy opro\u0161t\u011bna od n\u011bkter\u00fdch restrikc\u00ed ze strany banky. I z tohoto d\u016fvodu se americk\u00e1 hypot\u00e9ka st\u00e1v\u00e1 mezi klienty bank st\u00e1le obl\u00edben\u011bj\u0161\u00ed. Vyplat\u00ed se hlavn\u011b ve chv\u00edl\u00edch, kdy stavebn\u00ed spole\u010dnosti nab\u00edz\u00ed v\u00fdraznou slevu p\u0159i platb\u011b na ruku. Benevolentnost je v\u0161ak ho\u0159ce vykoupena a to p\u0159edev\u0161\u00edm v\u00fdrazn\u011b vy\u0161\u0161\u00ed \u00farokovou sazbou. Nebankovn\u00ed hypot\u00e9kaA pak tu m\u00e1me je\u0161t\u011b nebankovn\u00ed hypot\u00e9ku Fahd.cz, kter\u00e1 je do jist\u00e9 m\u00edry tak\u00e9 tou americkou. Podm\u00ednky jsou u n\u00ed stejn\u00e9, jen jsou podm\u00ednky v mnoh\u00fdch ohledech je\u0161t\u011b benevolentn\u011bj\u0161\u00ed. Je v\u0161ak zapot\u0159eb\u00ed, stejn\u011b jako u bankovn\u00edch \u00fav\u011br\u016f, po\u010d\u00edtat se z\u00e1stavou nemovitosti.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka: Bankovn\u00ed nebo ta nebankovn\u00ed?","item":"https:\/\/www.merstr.cz\/hypoteka-bankovni-nebo-ta-nebankovni\/#breadcrumbitem"}]}]