[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tbwa.cz\/hypoteka-se-vsemi-benefity-ktere-s-sebou-prinasi\/#Article","mainEntityOfPage":"https:\/\/www.tbwa.cz\/hypoteka-se-vsemi-benefity-ktere-s-sebou-prinasi\/","headline":"Hypot\u00e9ka se v\u0161emi benefity, kter\u00e9 s sebou p\u0159in\u00e1\u0161\u00ed","name":"Hypot\u00e9ka se v\u0161emi benefity, kter\u00e9 s sebou p\u0159in\u00e1\u0161\u00ed","description":"Vlastn\u00ed bydlen\u00ed je snem t\u00e9m\u011b\u0159 ka\u017ed\u00e9ho z n\u00e1s. M\u00edt byt nebo d\u016fm v osobn\u00edm vlastnictv\u00ed a nehl\u00eddat term\u00edn v kalend\u00e1\u0159i, kter\u00fd \u010derven\u00fdm vyk\u0159i\u010dn\u00edkem zna\u010d\u00ed placen\u00ed n\u00e1jemn\u00e9ho. Ceny nemovitost\u00ed v\u0161ak ka\u017ed\u00fdm rokem rostou doslova geometrickou \u0159adou a spole\u010dn\u011b s nimi i v\u00fd\u0161e hypote\u010dn\u00edch \u00fav\u011br\u016f. Hypot\u00e9ku je mo\u017en\u00e9 si po\u0159\u00eddit jen spole\u010dn\u011b se z\u00e1stavou nemovitosti, co\u017e p\u0159edstavuje...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.tbwa.cz\/hypoteka-se-vsemi-benefity-ktere-s-sebou-prinasi\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> &ldquo;Hypot\u00e9ka se v\u0161emi benefity, kter\u00e9 s sebou p\u0159in\u00e1\u0161\u00ed&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2021-04-12","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.tbwa.cz\/author\/#Person","name":"","url":"https:\/\/www.tbwa.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d81a95b988e562d8ac0fc1eb5578e43f924bf78e85c5259f0dcab44a306610fa?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d81a95b988e562d8ac0fc1eb5578e43f924bf78e85c5259f0dcab44a306610fa?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tbwa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tbwa.cz\/wp-content\/uploads\/nov%C3%BD%20domov_10_7.jpg","url":"https:\/\/www.tbwa.cz\/wp-content\/uploads\/nov%C3%BD%20domov_10_7.jpg","height":0,"width":0},"url":"https:\/\/www.tbwa.cz\/hypoteka-se-vsemi-benefity-ktere-s-sebou-prinasi\/","about":["Online"],"wordCount":402,"articleBody":"   Vlastn\u00ed bydlen\u00ed je snem t\u00e9m\u011b\u0159 ka\u017ed\u00e9ho z n\u00e1s. M\u00edt byt nebo d\u016fm v osobn\u00edm vlastnictv\u00ed a nehl\u00eddat term\u00edn v kalend\u00e1\u0159i, kter\u00fd \u010derven\u00fdm vyk\u0159i\u010dn\u00edkem zna\u010d\u00ed placen\u00ed n\u00e1jemn\u00e9ho. Ceny nemovitost\u00ed v\u0161ak ka\u017ed\u00fdm rokem rostou doslova geometrickou \u0159adou a spole\u010dn\u011b s nimi i v\u00fd\u0161e hypote\u010dn\u00edch \u00fav\u011br\u016f. Hypot\u00e9ku je mo\u017en\u00e9 si po\u0159\u00eddit jen spole\u010dn\u011b se z\u00e1stavou nemovitosti, co\u017e p\u0159edstavuje zvl\u00e1\u0161t\u011b u mlad\u00fdch rodin z\u00e1sadn\u00ed p\u0159ek\u00e1\u017eku a spole\u010dn\u011b s pot\u0159ebn\u00fdmi 30% z vlastn\u00ed kapsy mnohdy probl\u00e9m, kter\u00fd nem\u00e1 \u0159e\u0161en\u00ed. Nen\u00ed se tak \u010demu divit, \u017ee zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed v bank\u00e1ch ka\u017ed\u00fdm rokem p\u0159ib\u00fdv\u00e1, i kdy\u017e si banky st\u011b\u017euj\u00ed na p\u0159ebytek likvidity a m\u00e1lo potencion\u00e1ln\u00edch klient\u016f. Nep\u0159eje tomu ani zp\u0159\u00edsn\u011bn\u00ed \u00fav\u011brov\u00e9ho z\u00e1kona, kter\u00fd bank\u00e1m vymezuje jasn\u011b dan\u00e9 podm\u00ednky, za kter\u00fdch m\u016f\u017ee b\u00fdt hypote\u010dn\u00ed \u00fav\u011br schv\u00e1len. Za zam\u00edtnut\u00fdm \u00fav\u011brem tak nestoj\u00ed neochota bank, ale slo\u017eit\u00e1 legislativa \u010cesk\u00e9 n\u00e1rodn\u00ed banky. V\u00fdhodn\u00e1 hypot\u00e9ka? Ano, ale ne pro ka\u017ed\u00e9ho!Hypote\u010dn\u00ed \u00fav\u011br se svou ro\u010dn\u00ed \u00farokovou sazbou kolem 1,5% pat\u0159\u00ed mezi nejv\u00fdhodn\u011bj\u0161\u00ed \u00fav\u011brov\u00e9 produkty jak v bankovn\u00edm tak nebankovn\u00edm sektoru. Pro p\u0159edstavu dlouhodob\u00e9 spot\u0159ebitelsk\u00e9 \u00fav\u011bry jsou opat\u0159eny \u00farokem okolo 11% a k financov\u00e1n\u00ed vlastn\u00edho bydlen\u00ed jsou tak krajn\u011b nev\u00fdhodn\u00e9. Nem\u011bli bychom ale zapom\u00ednat je\u0161t\u011b na jeden \u00fav\u011brov\u00fd produkt, kter\u00fd nespad\u00e1 do hypote\u010dn\u00edch \u00fav\u011br\u016f a ani ho striktn\u011b nem\u016f\u017eeme nazvat spot\u0159ebitelskou p\u016fj\u010dkou. Jedn\u00e1 se o americkou hypot\u00e9ku, kter\u00e1 je tak trochu ne\u0161\u0165astn\u011b nazv\u00e1na hypot\u00e9kou. P\u0159itom se o hypot\u00e9ku jako takovou nejedn\u00e1 a m\u016f\u017ee u mnoh\u00fdch klient\u016f vyvol\u00e1vat myln\u00fd dojem. S t\u00edmto typem \u00fav\u011brov\u00e9ho produktu p\u0159ich\u00e1z\u00ed nav\u00edc i nebankovn\u00ed spole\u010dnosti, kter\u00e9 nab\u00edzej\u00ed americkou hypot\u00e9ku bez registru. Je ur\u010dena prim\u00e1rn\u011b pro \u017eadatele, kter\u00fdm z n\u011bjak\u00e9ho d\u016fvodu odm\u00edtla banka p\u016fj\u010dit. Mnohdy tak\u00e9 p\u0159edstavuj\u00ed jedinou z\u00e1chrannou stanici p\u0159ed krachem, kdy\u017e za ned\u016fv\u011bryhodn\u00fdmi \u017eadateli banka zav\u0159e dve\u0159e.                                                                                                                                                                                                                                                                                                                                                                                                   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