[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.babygo.cz\/o-americke-nebankovni-hypotece\/#Article","mainEntityOfPage":"https:\/\/www.babygo.cz\/o-americke-nebankovni-hypotece\/","headline":"O americk\u00e9 nebankovn\u00ed hypot\u00e9ce","name":"O americk\u00e9 nebankovn\u00ed hypot\u00e9ce","description":"Americk\u00e1 nebankovn\u00ed hypot\u00e9ka je finan\u010dn\u00ed slu\u017eba bank i nebankovn\u00edch instituc\u00ed, kter\u00e1 se podob\u00e1 hypot\u00e9\u010dn\u00edm \u00fav\u011br\u016fm. Podob\u00e1 se pravideln\u00fdmi spl\u00e1tkami a zastaven\u00edm nemovitosti. Rozd\u00edl je v tom, \u017ee nemovitost, kterou se chcete zaru\u010dit, mus\u00ed b\u00fdt ve va\u0161em vlastnictv\u00ed. Nejde tedy ru\u010dit nemovitost\u00ed, na jej\u00ed\u017e koupi si chcete p\u016fj\u010dit, tak jako u bankovn\u00edch hypot\u00e9k. Dal\u0161\u00edm rozd\u00edlem je,...","datePublished":"2022-02-09","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.babygo.cz\/author\/#Person","name":"","url":"https:\/\/www.babygo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9cac53ffad5d6e0659d72eaf216400c165f8fbf396c79017c66698a8aa5be23d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9cac53ffad5d6e0659d72eaf216400c165f8fbf396c79017c66698a8aa5be23d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"babygo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.babygo.cz\/wp-content\/uploads\/pexels-karolina-grabowska-4386431.jpg","url":"https:\/\/www.babygo.cz\/wp-content\/uploads\/pexels-karolina-grabowska-4386431.jpg","height":0,"width":0},"url":"https:\/\/www.babygo.cz\/o-americke-nebankovni-hypotece\/","about":["D\u016fm a zahrada"],"wordCount":385,"articleBody":"   Americk\u00e1 nebankovn\u00ed hypot\u00e9ka je finan\u010dn\u00ed slu\u017eba bank i nebankovn\u00edch instituc\u00ed, kter\u00e1 se podob\u00e1 hypot\u00e9\u010dn\u00edm \u00fav\u011br\u016fm. Podob\u00e1 se pravideln\u00fdmi spl\u00e1tkami a zastaven\u00edm nemovitosti. Rozd\u00edl je v tom, \u017ee nemovitost, kterou se chcete zaru\u010dit, mus\u00ed b\u00fdt ve va\u0161em vlastnictv\u00ed. Nejde tedy ru\u010dit nemovitost\u00ed, na jej\u00ed\u017e koupi si chcete p\u016fj\u010dit, tak jako u bankovn\u00edch hypot\u00e9k. Dal\u0161\u00edm rozd\u00edlem je, \u017ee maxim\u00e1ln\u00ed poskytnut\u00e1 \u010d\u00e1stka se rovn\u00e1 sedmdes\u00e1ti procent\u016fm hodnoty nemovitosti. Rozd\u00edl od b\u011b\u017en\u00e9 hypot\u00e9ky je tak\u00e9 v tom, \u017ee americk\u00e1 nebankovn\u00ed hypot\u00e9ka je bez\u00fa\u010delov\u00e1. Nemus\u00edte tedy dokl\u00e1dat, k jak\u00e9mu \u00fa\u010delu vyu\u017eijete poskytnut\u00e9 pen\u00edze.Americkou nebankovn\u00ed hypot\u00e9ku Fahd m\u016f\u017eete vyu\u017e\u00edt jak na koupi nemovitosti, pozemku, tak na vyplacen\u00ed sourozence z d\u011bdictv\u00ed, splacen\u00ed dluh\u016f, rozjet\u00ed nov\u00e9ho podnik\u00e1n\u00ed a tak d\u00e1le. \u00dav\u011bry tedy mohou b\u00fdt jak spot\u0159ebitelsk\u00e9, tak podnikatelsk\u00e9. Z\u00e1le\u017e\u00ed k jak\u00e9mu \u00fa\u010delu chcete poskytnut\u00e9 pen\u00edze vyu\u017e\u00edt.U Americk\u00e9 nebankovn\u00ed hypot\u00e9ky je t\u0159eba samoz\u0159ejm\u011b po\u010d\u00edtat s vy\u0161\u0161\u00edm \u00farokem, v\u011bt\u0161inou kolem sedmi procent. V p\u0159\u00edpad\u011b, \u017ee nem\u00e1te z\u00e1znam nebo jen drobn\u00fd v registrech dlu\u017en\u00edk\u016f, pak m\u00e1te \u0161anci z\u00edskat \u00farok v\u00fdhodn\u011bj\u0161\u00ed od cca t\u0159\u00ed procent, co\u017e m\u016f\u017ee b\u00fdt leckdy i v\u00fdhodn\u011bj\u0161\u00ed ne\u017e bankovn\u00ed \u00fav\u011br. Doba splatnosti se pohybuje v rozmez\u00ed a\u017e do t\u0159iceti let.Postup instituc\u00ed je takov\u00fd, \u017ee po pod\u00e1n\u00ed \u017e\u00e1dosti o americkou nebankovn\u00ed hypot\u00e9ku si v\u00e1s prov\u011b\u0159\u00ed v registrech. Na rozd\u00edl od bank, z\u00e1znamy z registr\u016f vyu\u017eij\u00ed k sestaven\u00ed smlouvy \u017eadateli na m\u00edru. Dal\u0161\u00edm krokem je prok\u00e1z\u00e1n\u00ed schopnosti \u00fav\u011br spl\u00e1cet, tzn. prok\u00e1zat se st\u00e1l\u00fdm p\u0159\u00edjmem v dostate\u010dn\u00e9 v\u00fd\u0161i. Posledn\u00ed v\u011bc je zaru\u010dit se nemovitost\u00ed ve va\u0161em vlastnictv\u00ed, poskytnout fotografie a odhad hodnoty nemovitosti (to si v\u011bt\u0161inou finan\u010dn\u00ed instituce zajist\u00ed sama). N\u011bkter\u00e9 instituce poskytuj\u00ed tak\u00e9 slu\u017ebu spoludlu\u017en\u00edka, tedy pokud nejste schopni \u00fav\u011br pravideln\u011b spl\u00e1cet, m\u016f\u017eete po\u017e\u00e1dat jinou osobu, kter\u00e1 se za v\u00e1s zaru\u010d\u00ed svoj\u00ed nemovitost\u00ed a spl\u00e1tkami.                                                                                                                                                                                                                                                                                                                                                                                          3.7\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"O americk\u00e9 nebankovn\u00ed hypot\u00e9ce","item":"https:\/\/www.babygo.cz\/o-americke-nebankovni-hypotece\/#breadcrumbitem"}]}]