[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.chasa.cz\/dosahnete-na-americkou-hypoteku-se-zaznamem-v-registru-dluzniku\/#Article","mainEntityOfPage":"https:\/\/www.chasa.cz\/dosahnete-na-americkou-hypoteku-se-zaznamem-v-registru-dluzniku\/","headline":"Dos\u00e1hnete na americkou hypot\u00e9ku se z\u00e1znamem v registru dlu\u017en\u00edk\u016f?","name":"Dos\u00e1hnete na americkou hypot\u00e9ku se z\u00e1znamem v registru dlu\u017en\u00edk\u016f?","description":"V dne\u0161n\u00ed dob\u011b, kdy ceny t\u00e9m\u011b\u0159 v\u0161eho let\u00ed strm\u011b nahoru, se mnoho z n\u00e1s nevyhne tomu, aby si muselo za\u017e\u00e1dat v bance o poskytnut\u00ed p\u016fj\u010dky. Pokud pot\u0159ebujete v\u011bt\u0161\u00ed mno\u017estv\u00ed pen\u011bz, nap\u0159\u00edklad na auto \u010di podobn\u011b drahou polo\u017eku, m\u016f\u017eou se v\u00e1m... <a class=\"more-link\" href=\"https:\/\/www.chasa.cz\/dosahnete-na-americkou-hypoteku-se-zaznamem-v-registru-dluzniku\/\">Pokra\u010dovat ve \u010dten\u00ed &rarr;<\/a>","datePublished":"2022-07-08","dateModified":"2023-06-14","author":{"@type":"Person","@id":"https:\/\/www.chasa.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.chasa.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8ee00db67df6a380981db2e33f97d2fa79637c4880a83f2a0ac4c29b5bb179e1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8ee00db67df6a380981db2e33f97d2fa79637c4880a83f2a0ac4c29b5bb179e1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"chasa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.chasa.cz\/wp-content\/uploads\/pexels-gustavo-fring-4173195.jpg","url":"https:\/\/www.chasa.cz\/wp-content\/uploads\/pexels-gustavo-fring-4173195.jpg","height":0,"width":0},"url":"https:\/\/www.chasa.cz\/dosahnete-na-americkou-hypoteku-se-zaznamem-v-registru-dluzniku\/","about":["Pen\u00edze"],"wordCount":431,"articleBody":"   V dne\u0161n\u00ed dob\u011b, kdy ceny t\u00e9m\u011b\u0159 v\u0161eho let\u00ed strm\u011b nahoru, se mnoho z n\u00e1s nevyhne tomu, aby si muselo za\u017e\u00e1dat v bance o poskytnut\u00ed p\u016fj\u010dky. Pokud pot\u0159ebujete v\u011bt\u0161\u00ed mno\u017estv\u00ed pen\u011bz, nap\u0159\u00edklad na auto \u010di podobn\u011b drahou polo\u017eku, m\u016f\u017eou se v\u00e1m \u00faroky na spot\u0159ebitelsk\u00e9m \u00fav\u011bru po\u0159\u00e1dn\u011b prodra\u017eit. Mo\u017enost\u00ed pro v\u00e1s m\u016f\u017ee b\u00fdt americk\u00e1 hypot\u00e9ka.Co to vlastn\u011b americk\u00e1 hypot\u00e9ka je? M\u016f\u017eete ji zn\u00e1t i pod jin\u00fdmi n\u00e1zvy, u n\u00e1s se nap\u0159\u00edklad \u010dasto pou\u017e\u00edv\u00e1 pojem ne\u00fa\u010delov\u00e1 hypot\u00e9ka. Jedn\u00e1 se o p\u016fj\u010dku, kdy v\u00e1m banka p\u016fj\u010d\u00ed v\u011bt\u0161\u00ed mno\u017estv\u00ed pen\u011bz, podobn\u011b jako p\u0159i hypot\u00e9ce, s v\u00fdhodn\u011bj\u0161\u00edm \u00farokem ne\u017e u spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. Rozd\u00edlem je, \u017ee nemus\u00ed b\u00fdt pou\u017eita na n\u00e1kup nemovitosti \u010di podobn\u011b, jako je tomu u hypot\u00e9ky. Bance nemus\u00edte sd\u011blovat, za jak\u00fdm \u00fa\u010delem si pen\u00edze p\u016fj\u010dujete. M\u016f\u017eete je pou\u017e\u00edt na n\u00e1kup nemovitosti, mobiln\u00edho domu, rekonstrukci, n\u00e1kup auta \u010di cokoliv jin\u00e9ho. Jedin\u00e9, co v\u011bt\u0161inou m\u00e1 banka podm\u00ednkou je, aby nebyly pen\u00edze pou\u017eity na podnik\u00e1n\u00ed.Americk\u00e1 hypot\u00e9ka m\u00e1 lep\u0161\u00ed podm\u00ednky oproti spot\u0159ebitelsk\u00e9mu \u00fav\u011bru. M\u016f\u017eete si splatnost \u010d\u00e1stky d\u00e1t na pom\u011brn\u011b dlouhou dobu a tak\u00e9 \u00farok je v\u00fdhodn\u011bj\u0161\u00ed. Nev\u00fdhodou je, \u017ee oproti klasick\u00e9 hypot\u00e9ce je \u00farokov\u00e1 sazba p\u0159ece jen vy\u0161\u0161\u00ed a neplat\u00ed pro v\u00e1s v\u00fdhoda da\u0148ov\u00e9 \u00falevy. Co ale d\u011blat, pokud chcete americkou hypot\u00e9ku a m\u00e1te z\u00e1rove\u0148 z\u00e1znam v registru dlu\u017en\u00edk\u016f?V registru dlu\u017en\u00edk\u016f bude va\u0161e jm\u00e9no figurovat je\u0161t\u011b t\u0159i roky po tom, co uhrad\u00edte sv\u016fj z\u00e1vazek po splatnosti. B\u011bhem t\u00e9to doby se nespol\u00e9hejte na to, \u017ee v\u00e1m banka americkou hypot\u00e9ku poskytne. Je vysok\u00e1 pravd\u011bpodobnost, \u017ee za t\u011bchto podm\u00ednek v\u00e1m neposkytne ani b\u011b\u017en\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br. Bez ohledu na va\u0161e aktu\u00e1ln\u00ed p\u0159\u00edjmy, jste pro ni nespolehliv\u00fd klient. Mo\u017enosti tak pro v\u00e1s m\u016f\u017ee b\u00fdt nebankovn\u00ed spole\u010dnost, kde se d\u00e1 z\u00edskat i americk\u00e1 hypot\u00e9ka bez registru Nebankovn\u00ed hypot\u00e9ka. V takov\u00e9m p\u0159\u00edpad\u011b m\u00e1te mo\u017enost z\u00edskat hypot\u00e9ku i p\u0159es z\u00e1znam v registru dlu\u017en\u00edk\u016f.                                                                                                                                                                                                                                                                                                                                                                                          3.4\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dos\u00e1hnete na americkou hypot\u00e9ku se z\u00e1znamem v registru dlu\u017en\u00edk\u016f?","item":"https:\/\/www.chasa.cz\/dosahnete-na-americkou-hypoteku-se-zaznamem-v-registru-dluzniku\/#breadcrumbitem"}]}]