[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aanet.cz\/nebankovni-americka-hypoteka-neboli-home-equity-loan\/#Article","mainEntityOfPage":"https:\/\/www.aanet.cz\/nebankovni-americka-hypoteka-neboli-home-equity-loan\/","headline":"Nebankovn\u00ed americk\u00e1 hypot\u00e9ka neboli home equity loan","name":"Nebankovn\u00ed americk\u00e1 hypot\u00e9ka neboli home equity loan","description":"Jak u\u017e z n\u00e1zvu vypl\u00fdv\u00e1, ve Spojen\u00fdch st\u00e1tech americk\u00fdch je tento druh \u00fav\u011bru naz\u00fdv\u00e1n home equity loan. Hypot\u00e9ka dnes je pom\u011brn\u011b novodobou z\u00e1le\u017eitost\u00ed a p\u0159i\u0161li s n\u00ed Ameri\u010dan\u00e9. A nebylo prvotn\u011b z\u00e1le\u017eitost\u00ed banky ale poji\u0161\u0165oven. A je\u0161t\u011b zaj\u00edmav\u011bj\u0161\u00ed je fakt, \u017ee prvotn\u00edm \u00famyslem nebylo pomoci lidem, ale pr\u00e1v\u011b poji\u0161\u0165ovny doufaly, \u017ee klient si p\u016fj\u010d\u00ed a … ","datePublished":"2018-03-02","dateModified":"2023-06-08","author":{"@type":"Person","@id":"https:\/\/www.aanet.cz\/author\/#Person","name":"","url":"https:\/\/www.aanet.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"aanet.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.aanet.cz\/wp-content\/uploads\/img_a315699_w2164_t1526574325.jpg","url":"https:\/\/www.aanet.cz\/wp-content\/uploads\/img_a315699_w2164_t1526574325.jpg","height":0,"width":0},"url":"https:\/\/www.aanet.cz\/nebankovni-americka-hypoteka-neboli-home-equity-loan\/","about":["Web"],"wordCount":388,"articleBody":"        Jak u\u017e z n\u00e1zvu vypl\u00fdv\u00e1, ve Spojen\u00fdch st\u00e1tech americk\u00fdch je tento druh \u00fav\u011bru naz\u00fdv\u00e1n home equity loan. Hypot\u00e9ka dnes je pom\u011brn\u011b novodobou z\u00e1le\u017eitost\u00ed a p\u0159i\u0161li s n\u00ed Ameri\u010dan\u00e9. A nebylo prvotn\u011b z\u00e1le\u017eitost\u00ed banky ale poji\u0161\u0165oven. A je\u0161t\u011b zaj\u00edmav\u011bj\u0161\u00ed je fakt, \u017ee prvotn\u00edm \u00famyslem nebylo pomoci lidem, ale pr\u00e1v\u011b poji\u0161\u0165ovny doufaly, \u017ee klient si p\u016fj\u010d\u00ed a nesplat\u00ed \u00fav\u011br. V takov\u00e9m p\u0159\u00edpad\u011b by toti\u017e z\u00edskaly jak zastavenou nemovitost, ale samoz\u0159ejm\u011b i z\u00e1rove\u0148 ji\u017e splacen\u00e9 \u010d\u00e1stky. A nutno zm\u00ednit, \u017ee v\u0161ak podm\u00ednky t\u011bchto \u00fav\u011br\u016f nebyly ani nikterak l\u00e1kav\u00e9. Bylo toti\u017e mo\u017en\u00e9 z\u00edskat maxim\u00e1ln\u011b polovinu hodnoty zastaven\u00e9 nemovitosti a spl\u00e1tky bylo mo\u017en\u00e9 rozlo\u017eit na mnohem krat\u0161\u00ed dobu, obvykle okolo t\u0159\u00ed a\u017e p\u011bti let. Nen\u00ed asi ani p\u0159ekvapuj\u00edc\u00ed, \u017ee do roku 1934 m\u011bla jen desetina dom\u00e1cnost\u00ed vlastn\u00ed nemovitost. Nebankovn\u00ed americk\u00e1 hypot\u00e9ka je ur\u010dena v\u0161em, kdo pot\u0159ebuj\u00ed z\u00edskat vy\u0161\u0161\u00ed finan\u010dn\u00ed obnos a mohou ru\u010dit v podob\u011b z\u00e1stavn\u00edho pr\u00e1va k nemovitosti. Pozitivn\u00ed v\u0161ak je, \u017ee vlastn\u00edkem nemovitosti nemus\u00ed b\u00fdt striktn\u011b jen \u017eadatel o hypote\u010dn\u00ed \u00fav\u011br, ale m\u016f\u017ee b\u00fdt i kdokoli z rodiny apod. Zkr\u00e1tka lze tak u\u010dinit i prost\u0159ednictv\u00edm t\u0159et\u00ed osoby. Z\u00e1rove\u0148 se nemovitost\u00ed nemysl\u00ed pouze obydlen\u00e1 \u010d\u00e1st, ale je akceptov\u00e1n i pozemek, chata, atd.V\u00fdhody aneb pro\u010d zvolit tento finan\u010dn\u00ed produkt Prioritou je mo\u017enost pou\u017eit\u00ed pen\u011bz na cokoliv, a\u0165 u\u017e na investici do vlastn\u00edho bydlen\u00ed, rekonstrukci \u010di modernizaci bydlen\u00ed, pro po\u0159\u00edzen\u00ed automobilu, luxusn\u00ed dovolen\u00e9, na investici do vzd\u011bl\u00e1n\u00ed, vyplacen\u00ed dluh\u016f \u010di jin\u00fdch pohled\u00e1vek apod. U renomovan\u00e9 finan\u010dn\u00ed spole\u010dnosti je re\u00e1ln\u00e1 nebankovn\u00ed americk\u00e1 hypot\u00e9ka s ni\u017e\u0161\u00ed \u00farokovou sazbou. Potenci\u00e1ln\u00ed je z\u00edsk\u00e1n\u00ed vysok\u00e9 \u010d\u00e1stky, obvykle v\u0161ak do 70% z hodnoty nemovitosti. V\u00fdhodou je del\u0161\u00ed doba spl\u00e1cen\u00ed, kdy je tak re\u00e1ln\u00e9 rozvr\u017een\u00ed m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek na del\u0161\u00ed dobu, tj. na n\u011bkolik des\u00edtek let. Bez jak\u00fdchkoliv poplatk\u016f p\u0159edem. Rovn\u011b\u017e p\u0159ed\u010dasn\u00e9 splacen\u00ed je bez sankce.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebankovn\u00ed americk\u00e1 hypot\u00e9ka neboli home equity loan","item":"https:\/\/www.aanet.cz\/nebankovni-americka-hypoteka-neboli-home-equity-loan\/#breadcrumbitem"}]}]