[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.martilla.cz\/nebankovni-americka-hypoteka-je-jen-jednim-z-mnoha-druhu-hypotecnich-uveru\/#Article","mainEntityOfPage":"https:\/\/www.martilla.cz\/nebankovni-americka-hypoteka-je-jen-jednim-z-mnoha-druhu-hypotecnich-uveru\/","headline":"Nebankovn\u00ed americk\u00e1 hypot\u00e9ka je jen jedn\u00edm z mnoha druh\u016f hypote\u010dn\u00edch \u00fav\u011br\u016f","name":"Nebankovn\u00ed americk\u00e1 hypot\u00e9ka je jen jedn\u00edm z mnoha druh\u016f hypote\u010dn\u00edch \u00fav\u011br\u016f","description":"Americk\u00fd hypote\u010dn\u00ed \u00fav\u011br (Americk\u00e1 hypot\u00e9ka) Jej\u00edm specifikem je ne\u00fa\u010delovost \u2013 nen\u00ed t\u0159eba v\u011b\u0159iteli prokazovat, k \u010demu pen\u00edze pot\u0159ebujete. Pouze mus\u00edte b\u00fdt schopni ru\u010dit majetkem, tedy…","datePublished":"2018-04-24","dateModified":"2018-04-24","author":{"@type":"Person","@id":"https:\/\/www.martilla.cz\/author\/#Person","name":"","url":"https:\/\/www.martilla.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":"martilla.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.martilla.cz\/wp-content\/uploads\/img_a315980_w2378_t1526972336.jpg","url":"https:\/\/www.martilla.cz\/wp-content\/uploads\/img_a315980_w2378_t1526972336.jpg","height":0,"width":0},"url":"https:\/\/www.martilla.cz\/nebankovni-americka-hypoteka-je-jen-jednim-z-mnoha-druhu-hypotecnich-uveru\/","about":["Www"],"wordCount":466,"articleBody":"    Americk\u00fd hypote\u010dn\u00ed \u00fav\u011br (Americk\u00e1 hypot\u00e9ka) Jej\u00edm specifikem je ne\u00fa\u010delovost \u2013 nen\u00ed t\u0159eba v\u011b\u0159iteli prokazovat, k \u010demu pen\u00edze pot\u0159ebujete. Pouze mus\u00edte b\u00fdt schopni ru\u010dit majetkem, tedy v\u016f\u010di v\u011b\u0159iteli je v tomto p\u0159\u00edpad\u011b provedena z\u00e1stava nemovitosti. Zap\u016fj\u010den\u00fd obnos je v\u011bt\u0161inou zhruba 60 \u2013 70 procent hodnoty zastavovan\u00e9ho objektu a nebankovn\u00ed americk\u00e1 hypot\u00e9ka se pak spl\u00e1c\u00ed stejn\u011b jako v\u0161echny ostatn\u00ed, p\u0159ibli\u017en\u011b do 15 \u2013 20 let. Hypot\u00e9ka na obrat Jsou to speci\u00e1ln\u00ed finan\u010dn\u00ed produkty pro OSV\u010c (osoba samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e1). Jejich v\u00fdhodou je mo\u017en\u00e1 kombinace s pau\u0161\u00e1ln\u00edmi da\u0148ov\u00fdmi v\u00fddaji. Hypot\u00e9ku lze tedy vym\u011b\u0159it s ohledem na v\u00fd\u0161i obratu z podnik\u00e1n\u00ed. Hypot\u00e9ka na novoman\u017eele Ide\u00e1ln\u00ed \u00fav\u011brov\u00e1n\u00ed pro mlad\u00e9 man\u017eele ve v\u011bku do 36 let. Maj\u00ed v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky, nap\u0159. do\u010dasn\u00e9 sn\u00ed\u017een\u00ed m\u011bs\u00ed\u010dn\u00edch plateb, del\u0161\u00ed dobu splatnosti \u00fav\u011bru, nebo mo\u017enost do\u010dasn\u011b spl\u00e1tky odlo\u017eit. V\u00fdhodn\u011bj\u0161\u00ed b\u00fdvaj\u00ed i \u00farokov\u00e9 sazby, pr\u00e1v\u011b s p\u0159ihl\u00e9dnut\u00edm k za\u010d\u00ednaj\u00edc\u00edmu spole\u010dn\u00e9mu bydlen\u00ed mlad\u00fdch rodin. Hypot\u00e9ka bez p\u0159\u00edjmu Pom\u011brn\u011b \u010dasto vyu\u017e\u00edvan\u00fd zp\u016fsob \u00fav\u011brov\u00e1n\u00ed, kde klient neodkl\u00e1d\u00e1 sv\u016fj p\u0159\u00edjem, a to z nejr\u016fzn\u011bj\u0161\u00edch d\u016fvod\u016f, v\u011bt\u0161inou kv\u016fli ochran\u011b soukrom\u00ed. Plat\u00ed zde jist\u00e1 omezen\u00ed, zpravidla je vy\u017eadov\u00e1no poji\u0161t\u011bn\u00ed \u00fav\u011bru proti neschopnosti jej pravideln\u011b spl\u00e1cet. \u00dav\u011br tak\u00e9 b\u00fdv\u00e1 limitov\u00e1n hodnotou LTV (Loan to value), kter\u00e1 zna\u010d\u00ed procenta v\u016f\u010di z\u00e1stavn\u00ed hodnot\u011b nemovitosti. V\u011bt\u0161inou je v tomto p\u0159\u00edpad\u011b LTV rovno 60 procent\u016fm. Kombinovan\u00fd \u00fav\u011br Svou podobou se p\u0159ibli\u017euje klasick\u00e9 hypot\u00e9ce, v\u017edy se v\u0161ak jedn\u00e1 o kombinaci hypot\u00e9ky a investi\u010dn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, kapit\u00e1lov\u00e9ho poji\u0161t\u011bn\u00ed, po\u0159\u00edzen\u00ed cenn\u00fdch pap\u00edr\u016f a dal\u0161\u00edch podobn\u00fdch finan\u010dn\u00edch segment\u016f. Tento zp\u016fsob \u00fav\u011brov\u00e1n\u00ed je v\u00fdhodn\u00fd p\u0159edev\u0161\u00edm z hlediska smluvn\u00edch podm\u00ednek klienta a v\u011b\u0159itele. Offsetov\u00fd hypote\u010dn\u00ed \u00fav\u011br Ten se vyzna\u010duje t\u00edm, \u017ee jej spoj\u00edte s va\u0161imi uspo\u0159en\u00fdmi finan\u010dn\u00edmi obnosy ulo\u017een\u00fdmi na term\u00ednovan\u00fdch vkladech a na spo\u0159ic\u00edch \u00fa\u010dtech. Va\u0161e vklady tvo\u0159\u00ed tzv. bilan\u010dn\u00ed rezervu, jej\u00ed\u017e v\u00fd\u0161e je ode\u010dtena od celkov\u00e9 splatn\u00e9 \u010d\u00e1stky hypot\u00e9ky, p\u0159itom je tento vklad klientovi k dispozici. V\u00fdhodou je p\u0159edev\u0161\u00edm v\u00fdhodn\u00e1 \u00farokov\u00e1 sazba, kter\u00e1 se ov\u0161em projev\u00ed u vy\u0161\u0161\u00edch naspo\u0159en\u00fdch \u010d\u00e1stek.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebankovn\u00ed americk\u00e1 hypot\u00e9ka je jen jedn\u00edm z mnoha druh\u016f hypote\u010dn\u00edch \u00fav\u011br\u016f","item":"https:\/\/www.martilla.cz\/nebankovni-americka-hypoteka-je-jen-jednim-z-mnoha-druhu-hypotecnich-uveru\/#breadcrumbitem"}]}]