[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hcnv.cz\/americka-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.hcnv.cz\/americka-hypoteka\/","headline":"Americk\u00e1 hypot\u00e9ka","name":"Americk\u00e1 hypot\u00e9ka","description":"\u010casto kladen\u00e9 dotazy o Americk\u00e9 hypot\u00e9ce je v na\u0161em jazyce n\u011bco jako p\u016fj\u010dka na cokoliv...","datePublished":"2025-06-15","dateModified":"2025-06-15","author":{"@type":"Person","@id":"https:\/\/www.hcnv.cz\/author\/#Person","name":"hcnv.cz\n","url":"https:\/\/www.hcnv.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/5667bceccdce92893bac6a7981a373152a8b3fa0ab99c198ba0ac0b49a934248?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5667bceccdce92893bac6a7981a373152a8b3fa0ab99c198ba0ac0b49a934248?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hcnv.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.hcnv.cz\/wp-content\/uploads\/money-2557250_640.jpg","url":"https:\/\/www.hcnv.cz\/wp-content\/uploads\/money-2557250_640.jpg","height":0,"width":0},"url":"https:\/\/www.hcnv.cz\/americka-hypoteka\/","about":["Pen\u00edze"],"wordCount":399,"articleBody":"        \u010casto kladen\u00e9 dotazy o Americk\u00e9 hypot\u00e9ce je v na\u0161em jazyce n\u011bco jako p\u016fj\u010dka na cokoliv s ru\u010den\u00edm nemovitost\u00ed. Je to ne\u00fa\u010delov\u00fd \u00fav\u011br, kter\u00fd v\u00e1m poskytne cenovou hodnotu nemovitosti, abyste z\u00edskaly pen\u00edze na cokoliv. A\u0165 u\u017e pot\u0159ebujete zaplatit rekonstrukci, koupi auta, p\u016fj\u010dky nebo jin\u00e9 v\u00fddaje. A u tohoto typu \u00fav\u011bru je obl\u00edben\u00fd, proto\u017ee m\u00e1 v\u00fdhodn\u00e9 sazby. Ale co je americk\u00e1 hypot\u00e9ka? \u00dav\u011br je zaji\u0161t\u011bn z\u00e1stavou nemovitosti dle pr\u00e1v. \u00dapln\u011b odli\u0161n\u00e9 ne\u017e od jin\u00fdch hypot\u00e9k, proto\u017ee tady nemus\u00edte dokl\u00e1dat \u00fa\u010del pro co chcete pen\u00edze pou\u017e\u00edt. Ale jak\u00e9 m\u00e1me podm\u00ednky a v\u00fdhody? \u00dav\u011br si m\u016f\u017eete vz\u00edt od 200 000 k\u010d do 5 000 000 k\u010d. Mus\u00ed b\u00fdt Loan to Value, a\u017e 70 % z odhadn\u00ed hodnoty nemovitosti. Jak\u00e1 je splatnost? 3 a\u017e 20 let. \u010cerpat m\u016f\u017eete jednor\u00e1zov\u011b \u010di bezhotovostn\u011b na \u00fa\u010det z\u00e1kazn\u00edka. Jak\u00e9 dokumenty si p\u0159ipravit? Abyste z\u00edskaly americkou hypot\u00e9ku, tak toto nezapome\u0148te: Doklad toto\u017enosti \u2013 ob\u010dansk\u00fd pr\u016fkaz \u010di pasPotvrzen\u00ed o p\u0159\u00edjmu \u2013 nap\u0159. v\u00fdplatn\u00ed p\u00e1sky, da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed V\u00fdpisy z bankovn\u00edho \u00fa\u010dtu Doklady k nemovitosti \u2013 v\u00fdpis z katastru, ocen\u011bn\u00ed nemovitosti Zaji\u0161t\u011bn\u00ed \u00fav\u011bru? Je zaji\u0161t\u011bn z\u00e1stavn\u00edm pr\u00e1vem. Nemovitost mus\u00ed b\u00fdt zkolaudovan\u00e1 a zapsan\u00e1 v katastru nemovitosti. M\u016f\u017ee to b\u00fdt rodinn\u00fd d\u016fm, bytov\u00fd d\u016fm. Tak\u00e9 tady m\u00e1me nebankovn\u00ed americkou hypot\u00e9ku, proto\u017ee pokud nem\u00e1te, jak dolo\u017eit p\u0159\u00edjem nebo n\u011bjak\u00fd z\u00e1znam v registru dlu\u017en\u00edk\u016f, m\u016f\u017eete zv\u00e1\u017eit nebankovn\u00ed americkou hypot\u00e9k. Ale u t\u00e9to banky bohu\u017eel budou vy\u0161\u0161\u00ed \u00farokov\u00e9 sazby 10 % ro\u010dn\u011b. Maxim\u00e1ln\u00ed v\u00fd\u0161e \u00fav\u011bru mus\u00ed b\u00fdt 1 000 000 K\u010d. Pro\u010d si zrovna vybrat americkou hypot\u00e9ku? Hod\u00ed se pro lidi, kter\u00fd cht\u011bj\u00ed velk\u00fd obnos pen\u011bz, ale bez vysv\u011btlen\u00ed, na co pen\u00edze pou\u017eijete. Pokud zajist\u00edte va\u0161i nemovitost t\u00edm z\u00edsk\u00e1te ni\u017e\u0161\u00ed \u00farok ne\u017e u jin\u00fdch konkurenc\u00ed. Pen\u00edze m\u016f\u017eete \u010derpat najednou nebo jak budete cht\u00edt a spl\u00e1cet m\u016f\u017eete pohodln\u011b \u010di dlouhodob\u011b. Ale dejte si pozor a zva\u017ete v\u00fd\u0161i \u00fav\u011bru a splatnost, aby nebyly \u010d\u00e1stky p\u0159\u00edli\u0161 vysok\u00e9.                                                                                                                                                                                                                                                                                                                                                                                           3.5\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Americk\u00e1 hypot\u00e9ka","item":"https:\/\/www.hcnv.cz\/americka-hypoteka\/#breadcrumbitem"}]}]