[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.etre.cz\/v-cem-spociva-princip-americke-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.etre.cz\/v-cem-spociva-princip-americke-hypoteky\/","headline":"V \u010dem spo\u010d\u00edv\u00e1 princip americk\u00e9 hypot\u00e9ky","name":"V \u010dem spo\u010d\u00edv\u00e1 princip americk\u00e9 hypot\u00e9ky","description":"Snad ka\u017ed\u00fd z n\u00e1s n\u011bkdy vid\u011bl n\u011bjak\u00fd americk\u00fd film, ve kter\u00e9m se bavili o tom, \u017ee spl\u00e1c\u00ed hypot\u00e9ku. Z kontextu n\u00e1m pak m\u016f\u017ee b\u00fdt jasn\u00e9, \u017ee se li\u0161\u00ed od t\u00e9, kter\u00e1 je b\u011b\u017en\u011b dostupn\u00e1 i u n\u00e1s. Jen m\u00e1lokdo m\u00e1 v\u0161ak p\u0159esnou p\u0159edstavu o tom, jak vlastn\u011b funguje, a tak","datePublished":"2022-02-09","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.etre.cz\/author\/#Person","name":"","url":"https:\/\/www.etre.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/32bc2d377216483c132a3bbf038b8838926e0616f1b3d0e9cb50d997f0b052ba?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/32bc2d377216483c132a3bbf038b8838926e0616f1b3d0e9cb50d997f0b052ba?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"etre.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.etre.cz\/wp-content\/uploads\/hypoteka4_10_10_10_10_10_10_10_2.jpg","url":"https:\/\/www.etre.cz\/wp-content\/uploads\/hypoteka4_10_10_10_10_10_10_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.etre.cz\/v-cem-spociva-princip-americke-hypoteky\/","about":["Finance"],"wordCount":434,"articleBody":"   Snad ka\u017ed\u00fd z n\u00e1s n\u011bkdy vid\u011bl n\u011bjak\u00fd americk\u00fd film, ve kter\u00e9m se bavili o tom, \u017ee spl\u00e1c\u00ed hypot\u00e9ku. Z kontextu n\u00e1m pak m\u016f\u017ee b\u00fdt jasn\u00e9, \u017ee se li\u0161\u00ed od t\u00e9, kter\u00e1 je b\u011b\u017en\u011b dostupn\u00e1 i u n\u00e1s. Jen m\u00e1lokdo m\u00e1 v\u0161ak p\u0159esnou p\u0159edstavu o tom, jak vlastn\u011b funguje, a tak na ni pohl\u00ed\u017e\u00ed s ned\u016fv\u011brou \u010di dokonce odporem.To je v\u0161ak \u0161koda, nebo\u0165 je ji\u017e mo\u017en\u00e9 si ji sjednat i u n\u00e1s. A pokud k n\u00ed ji\u017e p\u0159edem p\u0159istupujeme s odporem, p\u0159ipravujeme se o jednu z mo\u017enost\u00ed financov\u00e1n\u00ed bydlen\u00ed, kter\u00e1 by se nakonec mohla uk\u00e1zat jako ide\u00e1ln\u00ed.Abychom j\u00ed v\u0161ak porozum\u011bli, mus\u00edme se nejprve pod\u00edvat na to, jak americk\u00e9 hypot\u00e9ky vlastn\u011b funguj\u00ed. A\u010dkoliv je toti\u017e z\u00e1kladn\u00ed princip stejn\u00fd \u2013 od poskytovatele dostanete pen\u00edze na po\u0159\u00edzen\u00ed ur\u010dit\u00e9 konkr\u00e9tn\u00ed nemovitosti -, zp\u016fsob, jak\u00fdm funguje, je pon\u011bkud odli\u0161n\u00fd.T\u00edm asi nejv\u011bt\u0161\u00edm rozd\u00edlem oproti tomu, na co jsme byli doposud zvykl\u00ed, je fakt, \u017ee onen d\u016fm, byt \u010di pozemek nebude ihned pat\u0159it n\u00e1m. Leg\u00e1ln\u011b se toti\u017e stane majetkem poskytovatele, a to se v\u0161emi pr\u00e1vy. Jist\u011b, my jej m\u016f\u017eeme u\u017e\u00edvat, av\u0161ak z pr\u00e1vn\u00edho hlediska jej nevlastn\u00edme. Do na\u0161eho vlastnictv\u00ed p\u0159ejde a\u017e ve chv\u00edli, kdy splat\u00edme ve\u0161ker\u00fd dluh.To samoz\u0159ejm\u011b znamen\u00e1, \u017ee s n\u00edm po dobu spl\u00e1cen\u00ed nem\u016f\u017eeme nijak disponovat. Nem\u016f\u017eeme jej nap\u0159\u00edklad jen tak prodat, p\u0159\u00edpadn\u011b jej d\u00e1t nap\u0159\u00edklad jako z\u00e1stavu p\u0159i \u017e\u00e1dosti o p\u016fj\u010dku. Tak\u00e9 n\u011bjak\u00e9 v\u011bt\u0161\u00ed stavebn\u00ed \u00fapravy jsou vylou\u010deny.K tomu je nutn\u00e9 p\u0159ipo\u010d\u00edtat fakt, \u017ee se v tomto p\u0159\u00edpad\u011b \u010dasto jedn\u00e1 o velk\u00e9 \u010d\u00e1stky, kter\u00e9 tak\u00e9 maj\u00ed dlouhou dobu spl\u00e1cen\u00ed, n\u011bkdy i v\u00edce ne\u017e deset let. Je tedy pot\u0159eba jsme zamyslet, zda jsme skute\u010dn\u011b ochotni po celou tu dobu dodr\u017eovat dan\u00e9 podm\u00ednky.Ov\u0161em je pot\u0159eba p\u0159ipomenout, \u017ee zde nejsou jen nev\u00fdhody. V prvn\u00ed \u0159ad\u011b se nehled\u00ed ani zdaleka tak p\u0159\u00edsn\u011b na v\u00fd\u0161i va\u0161eho p\u0159\u00edjmu \u010di na fakt, zda ji\u017e m\u00e1te n\u011bkde n\u011bjak\u00fd dluh. T\u00edm se st\u00e1v\u00e1 dostupnou pro \u0161irokou \u0161k\u00e1lu ve\u0159ejnosti. I to je d\u016fvod, pro\u010d jej\u00ed popularita roste, a pro\u010d tomu tak bude i v budoucnu.                                                                                                                                                                                                                                                                                                                                                                                          4.3\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V \u010dem spo\u010d\u00edv\u00e1 princip americk\u00e9 hypot\u00e9ky","item":"https:\/\/www.etre.cz\/v-cem-spociva-princip-americke-hypoteky\/#breadcrumbitem"}]}]