[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.chequepoint.cz\/americka-hypoteka-bez-dolozeni-prijmu\/#Article","mainEntityOfPage":"https:\/\/www.chequepoint.cz\/americka-hypoteka-bez-dolozeni-prijmu\/","headline":"Americk\u00e1 hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjm\u016f","name":"Americk\u00e1 hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjm\u016f","description":"Americk\u00e1 hypot\u00e9ka Jedn\u00e1 se o ne\u00fa\u010delov\u00fd \u00fav\u011br (lze ji pou\u017e\u00edt na cokoli) zaji\u0161t\u011bn\u00fd z\u00e1stavn\u00edm pr\u00e1vem k nemovitosti. Nemovitost mus\u00ed b\u00fdt ur\u010dena k bydlen\u00ed, nach\u00e1zet se na \u00fazem\u00ed \u010cR a je...","datePublished":"2021-11-14","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.chequepoint.cz\/author\/#Person","name":"","url":"https:\/\/www.chequepoint.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"chequepoint.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.chequepoint.cz\/wp-content\/uploads\/americka-hypoteka-bez-dokladani-prijmu-1024x682.jpg","url":"https:\/\/www.chequepoint.cz\/wp-content\/uploads\/americka-hypoteka-bez-dokladani-prijmu-1024x682.jpg","height":0,"width":0},"url":"https:\/\/www.chequepoint.cz\/americka-hypoteka-bez-dolozeni-prijmu\/","about":["Finance"],"wordCount":451,"articleBody":"   Americk\u00e1 hypot\u00e9ka Jedn\u00e1 se o ne\u00fa\u010delov\u00fd \u00fav\u011br (lze ji pou\u017e\u00edt na cokoli) zaji\u0161t\u011bn\u00fd z\u00e1stavn\u00edm pr\u00e1vem k nemovitosti. Nemovitost mus\u00ed b\u00fdt ur\u010dena k bydlen\u00ed, nach\u00e1zet se na \u00fazem\u00ed \u010cR a je nutn\u00e9, aby byla zaps\u00e1na v Katastru nemovitost\u00ed. Lze ji ov\u0161em sjednat pouze v 50 a\u017e 70% v\u00fd\u0161i hodnoty zastaven\u00e9 nemovitosti. Klasick\u00e1 hypot\u00e9kaKlasick\u00e1 hypot\u00e9ka je \u00fa\u010delov\u00e1, tzn. je ur\u010dena pouze na bydlen\u00ed. Lze ji sjednat v 100% v\u00fd\u0161i hodnoty zastaven\u00e9 nemovitosti. Hlavn\u00ed rozd\u00edl je tedy \u00fa\u010delovost. Klasickou hypot\u00e9ku lze vyu\u017e\u00edt pouze na koupi nov\u00e9ho bydlen\u00ed nebo na rekonstrukci. Americk\u00e1 hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu Fahd lze vyu\u017e\u00edt na bydlen\u00ed \u010di opravu, ale tak\u00e9 nap\u0159\u00edklad na koupi automobilu nebo na dovolenou. Dal\u0161\u00edm rozd\u00edlem je v\u00fd\u0161e \u00farokov\u00e9 sazby. U americk\u00e9 hypot\u00e9ky je t\u0159eba po\u010d\u00edtat s vy\u0161\u0161\u00ed \u00farokovou sazbou ne\u017e u hypot\u00e9ky klasick\u00e9. Co maj\u00ed ale oba druhy hypot\u00e9ky t\u00e9m\u011b\u0159 shodn\u00e9 jsou podm\u00ednky sjedn\u00e1n\u00ed. Je zapot\u0159eb\u00ed dolo\u017eit p\u0159\u00edjmy a ru\u010dit nemovitost\u00ed. Pro\u010d? Ka\u017ed\u00fd poskytovatel \u00fav\u011bru se vystavuje riziku z\u00edsk\u00e1n\u00ed zp\u011bt zap\u016fj\u010den\u00fdch pen\u011bz. Proto je dolo\u017een\u00ed p\u0159\u00edjm\u016f tak d\u016fle\u017eitou sou\u010d\u00e1st\u00ed posouzen\u00ed bonity (schopnost spl\u00e1cen\u00ed hypot\u00e9ky) \u017eadatele. Hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmuJe z\u0159ejm\u00e9, \u017ee v dne\u0161n\u00ed dob\u011b spole\u010dnosti poskytuj\u00edc\u00ed hypot\u00e9ku nebudou podstupovat riziko nesplacen\u00ed. Proto hypot\u00e9ky, kde klient nemus\u00ed uv\u00e1d\u011bt v\u016fbec nic o sv\u00e9m p\u0159\u00edjmu, ji\u017e na hypote\u010dn\u00edm trhu neexistuj\u00ed od roku 2016. Pojem \u201ehypot\u00e9ka bez p\u0159\u00edjmu\u201c nyn\u00ed ozna\u010duje situaci, za kter\u00e9 nen\u00ed t\u0159eba p\u0159\u00edjem dokl\u00e1dat b\u011b\u017en\u00fdm zp\u016fsobem. Tato hypot\u00e9ka je v\u00fdhodn\u011bj\u0161\u00ed, pokud nedos\u00e1hnete na hypot\u00e9ku klasickou, administrativa je jednodu\u0161\u0161\u00ed, a tedy i rychlej\u0161\u00ed. Nese s sebou ale i jist\u00e9 nev\u00fdhody. Vzhledem k tomu, \u017ee je tento druh hypot\u00e9ky pro poskytovatele rizikov\u011bj\u0161\u00ed, mus\u00edme po\u010d\u00edtat s vy\u0161\u0161\u00ed \u00farokovou sazbou a tak\u00e9 ji lze sehnat maxim\u00e1ln\u011b v 50 a\u017e 70% v\u00fd\u0161i hodnoty zastaven\u00e9 nemovitosti. Konkr\u00e9tn\u00ed pravidla o sjedn\u00e1n\u00ed hypot\u00e9ky bez dolo\u017een\u00ed p\u0159\u00edjm\u016f je t\u0159eba dohledat u ur\u010dit\u00e9 spole\u010dnosti, kter\u00e1 ji nab\u00edz\u00ed. Podm\u00ednky je toti\u017e mezi spole\u010dnostmi zna\u010dn\u011b li\u0161\u00ed. Poskytovatel hypot\u00e9ky v\u0161ak podle pravidel mus\u00ed ov\u011b\u0159it p\u0159\u00edjem \u017eadatele. U hypot\u00e9ky bez dolo\u017een\u00ed p\u0159\u00edjm\u016f v\u0161ak mnohdy sta\u010d\u00ed uv\u00e9st p\u0159\u00edjmy do \u017e\u00e1dosti \u010destn\u00fdm prohl\u00e1\u0161en\u00edm. D\u00e1le je na poskytovateli, jak si p\u0159\u00edjmy \u017eadatele ov\u011b\u0159\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          3.6\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Americk\u00e1 hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjm\u016f","item":"https:\/\/www.chequepoint.cz\/americka-hypoteka-bez-dolozeni-prijmu\/#breadcrumbitem"}]}]