[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.derex.cz\/nejlepsi-bezucelova-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.derex.cz\/nejlepsi-bezucelova-hypoteka\/","headline":"Nejlep\u0161\u00ed bez\u00fa\u010delov\u00e1 hypot\u00e9ka","name":"Nejlep\u0161\u00ed bez\u00fa\u010delov\u00e1 hypot\u00e9ka","description":"
 Ne\u00fa\u010delov\u00fd \u00fav\u011br je takov\u00fd, kde nemus\u00edte bance v\u016fbec sd\u011blovat, […]","datePublished":"2017-12-19","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.derex.cz\/author\/#Person","name":"","url":"https:\/\/www.derex.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c607f8cdeb628e1fda71e81e0cbb10854858a188adc366641de57f1cadca520c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c607f8cdeb628e1fda71e81e0cbb10854858a188adc366641de57f1cadca520c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"derex.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.derex.cz\/wp-content\/uploads\/img_a307786_w2205_t1519036865.jpg","url":"https:\/\/www.derex.cz\/wp-content\/uploads\/img_a307786_w2205_t1519036865.jpg","height":0,"width":0},"url":"https:\/\/www.derex.cz\/nejlepsi-bezucelova-hypoteka\/","wordCount":487,"articleBody":"
 Ne\u00fa\u010delov\u00fd \u00fav\u011br je takov\u00fd, kde nemus\u00edte bance v\u016fbec sd\u011blovat, pro\u010d a na co pen\u00edze chcete. Ne\u00fa\u010delov\u00e1 hypot\u00e9ka je stejn\u00e1, jen se t\u00fdk\u00e1 nemovitost\u00ed a v\u0161eho okolo nich. A\u0165 jde o koupi bytu, dom\u016f \u010di pozemku, rekonstrukci a podobn\u011b. Bance mus\u00edte samoz\u0159ejm\u011b dok\u00e1zat svou solventnost (bonitu), sv\u00e9 p\u0159\u00edjmy a v\u00fddaje a zaru\u010den\u011b se tak\u00e9 pod\u00edvaj\u00ed do registru dlu\u017en\u00edk\u016f, zda v\u00e1s v n\u011bm n\u00e1hodou nenajdou.
 
 Nejv\u011bt\u0161\u00ed v\u00fdhody americk\u00e9 hypot\u00e9ky
 Americk\u00e1 hypot\u00e9ka je ne\u00fa\u010delovou hypot\u00e9kou, kterou si m\u016f\u017eete vz\u00edt na n\u00e1kup \u010di rekonstrukci jak\u00e9koli nemovitosti bez toho, abyste se bance museli zpov\u00eddat. Budete za ni ov\u0161em muset ru\u010dit jinou nemovitost\u00ed. Z\u00e1stava je toti\u017e z\u00e1kladn\u00edm aspektem t\u00e9to hypot\u00e9ky. Tu po v\u00e1s ale mohou cht\u00edt i u jin\u00fdch typ\u016f hypot\u00e9k. Banka se v\u00e1s sice na \u00fa\u010dely hypot\u00e9ky pt\u00e1t nebudou, nicm\u00e9n\u011b v\u011bt\u0161ina bank nerada vid\u00ed, kdy\u017e se \u010d\u00e1stka z t\u00e9to hypot\u00e9ky vyu\u017eije jako z\u00e1klad pro va\u0161e podnik\u00e1n\u00ed. Jedn\u00e1 se o velice obl\u00edbenou a dostupnou hypot\u00e9ku. Jak\u00e9 jsou ale jej\u00ed v\u00fdhody?
 1. Banka se v\u00e1s nebude pt\u00e1t, z jak\u00e9ho d\u016fvodu americkou hypot\u00e9ku chcete uzav\u0159\u00edt.
 2. Kdy\u017e porovn\u00e1te \u00farokov\u00e9 sazby s b\u011b\u017en\u00fdm spot\u0159ebitelsk\u00fdm \u00fav\u011brem tak zjist\u00edte, \u017ee u americk\u00e9 hypot\u00e9ky jsou \u00farokov\u00e9 sazby ni\u017e\u0161\u00ed, a to d\u00edky z\u00e1stav\u011b nemovitosti.3. M\u016f\u017eete si p\u016fj\u010dit maxim\u00e1ln\u011b 70 % hodnoty nemovitosti. V\u011bt\u0161ina bank m\u00e1 jako minimum stanoven\u00fdch 100 a\u017e 200 tis\u00edc K\u010d.
 4. Doba spl\u00e1cen\u00ed je velice dlouh\u00e1, v\u011bt\u0161inou a\u017e 20 let. D\u00edky tomu jsou m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky pom\u011brn\u011b n\u00edzk\u00e9 oproti jin\u00fdm, kr\u00e1tkodob\u011bj\u0161\u00edm hypot\u00e9k\u00e1m.
 5. Nemovitost, na kterou m\u00e1te americkou hypot\u00e9ku uzav\u0159enou, m\u016f\u017eete kdykoli prodat s 1 % sankc\u00ed.
 6. Obrovskou v\u00fdhodou je mo\u017enost p\u0159ed\u010dasn\u00e9ho splacen\u00ed bez sank\u010dn\u00edho poplatku.
 Drobn\u00e9 nev\u00fdhody
 Ka\u017ed\u00e1 strana m\u00e1 rub i l\u00edc, a proto i americk\u00e1 hypot\u00e9ka sk\u00fdt\u00e1 ur\u010dit\u00e9 nev\u00fdhody. Oproti jej\u00edm v\u00fdhod\u00e1m jsou ov\u0161em zanedbateln\u00e9.
 \u00b7 Nejv\u011bt\u0161\u00ed nev\u00fdhodou je z\u00e1stava nemovitosti. Kdy\u017e ru\u010d\u00edte svou nemovitost\u00ed, existuje tady mo\u017enost, \u017ee o ni p\u0159ijdete v p\u0159\u00edpad\u011b, \u017ee z jak\u00e9hokoli d\u016fvodu nebudete schopni najednou spl\u00e1cet.
 \u00b7 U n\u011bkter\u00fdch bank se setk\u00e1te s t\u00edm, \u017ee maj\u00ed nastavenou maxim\u00e1ln\u00ed \u010d\u00e1stku, kterou v\u00e1m p\u016fj\u010d\u00ed, nap\u0159\u00edklad 5 milion\u016f. I kdyby 70 % z hodnoty va\u0161\u00ed nemovitosti m\u011bla vy\u0161\u0161\u00ed \u010d\u00e1stka, ne\u017e 5 milion\u016f, tak by v\u00e1m ji nep\u016fj\u010dili. To m\u016f\u017ee b\u00fdt p\u0159ek\u00e1\u017ekou, pokud si chcete vyp\u016fj\u010dit skute\u010dn\u011b velkou \u010d\u00e1stku.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nejlep\u0161\u00ed bez\u00fa\u010delov\u00e1 hypot\u00e9ka","item":"https:\/\/www.derex.cz\/nejlepsi-bezucelova-hypoteka\/#breadcrumbitem"}]}]