[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.coteese.cz\/hypoteka-snu\/#Article","mainEntityOfPage":"https:\/\/www.coteese.cz\/hypoteka-snu\/","headline":"Hypot\u00e9ka sn\u016f","name":"Hypot\u00e9ka sn\u016f","description":"\u010clov\u011bk neznal\u00fd v\u011bci by si mohl pomyslet, \u017ee je hypot\u00e9ka jako hypot\u00e9ka. \u017de v tom p\u0159ece nem\u016f\u017ee b\u00fdt \u017e\u00e1dn\u00fd zvl\u00e1\u0161tn\u00ed rozd\u00edl, a pokud se snad <a class=\"mh-excerpt-more\" href=\"https:\/\/www.coteese.cz\/hypoteka-snu\/\" title=\"Hypot\u00e9ka sn\u016f\">[...]<\/a>","datePublished":"2019-02-21","dateModified":"2019-02-21","author":{"@type":"Person","@id":"https:\/\/www.coteese.cz\/author\/#Person","name":"coteese.cz\n","url":"https:\/\/www.coteese.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/56990d361a15c60249588fcd5c65556d1c39f993ac5e20b5abce42fd817b46e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/56990d361a15c60249588fcd5c65556d1c39f993ac5e20b5abce42fd817b46e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"coteese.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.coteese.cz\/wp-content\/uploads\/img_a338658_w1929_t1551267168.jpg","url":"https:\/\/www.coteese.cz\/wp-content\/uploads\/img_a338658_w1929_t1551267168.jpg","height":0,"width":0},"url":"https:\/\/www.coteese.cz\/hypoteka-snu\/","about":["Finance"],"wordCount":475,"articleBody":"\u010clov\u011bk neznal\u00fd v\u011bci by si mohl pomyslet, \u017ee je hypot\u00e9ka jako hypot\u00e9ka. \u017de v tom p\u0159ece nem\u016f\u017ee b\u00fdt \u017e\u00e1dn\u00fd zvl\u00e1\u0161tn\u00ed rozd\u00edl, a pokud se snad produkty tohoto n\u00e1zvu v n\u011b\u010dem li\u0161\u00ed jeden od druh\u00e9ho, pak leda v tom, kolik pen\u011bz si \u010dlov\u011bk p\u016fj\u010d\u00ed a jak dlouho a s jak\u00fdmi \u00faroky mus\u00ed spl\u00e1cet. Ale v\u011bzte, \u017ee jakkoliv je v tomto n\u00e1zoru jist\u00fd kus pravdy, nen\u00ed to pravda \u00fapln\u00e1. Proto\u017ee existuje i produkt, kter\u00fd se v mnoh\u00e9m li\u0161\u00ed od za\u017eit\u00fdch p\u0159edstav. Nap\u0159\u00edklad takov\u00e1 nebankovn\u00ed americk\u00e1 hypot\u00e9ka. U t\u00e9 se jedn\u00e1 o n\u011bco v\u00fdrazn\u011b odli\u0161n\u00e9ho. Americkou hypot\u00e9ku si nebere \u010dlov\u011bk na to, aby si po\u0159\u00eddil n\u011bjakou nemovitost. Naopak z\u00edsk\u00e1 ji tak, \u017ee u\u017e n\u011bjakou nemovitost vlastn\u00ed a tuto d\u00e1 do z\u00e1stavy nebankovn\u00ed spole\u010dnosti. Na\u010de\u017e dostane pen\u00edze nikoliv na to, aby si nezbytn\u011b musel n\u011bjakou nemovitost koupit, ale prakticky na cokoliv, co chce nebo mo\u017en\u00e1 i nezbytn\u011b pot\u0159ebuje zaplatit. Zat\u00edmco v p\u0159\u00edpad\u011b takov\u00e9 hypot\u00e9ky, jakou obvykle zn\u00e1me nejl\u00e9pe, \u010dlov\u011bk mus\u00ed dokazovat svoji solventnost a d\u016fv\u011bryhodnost, zde to nen\u00ed ani zdaleka tak \u017ehav\u00e9. Zde v\u0161e nestoj\u00ed a nepad\u00e1 s t\u00edm, m\u00e1-li \u017eadatel n\u011bjak\u00fd z\u00e1znam v registru dlu\u017en\u00edk\u016f, zde jsou majetkov\u00e9 pom\u011bry takov\u00e9ho \u017eadatele podru\u017en\u00e9. A i vysloven\u00fd chud\u00e1k m\u016f\u017ee usp\u011bt. A na rozd\u00edl od zn\u00e1m\u00fdch hypot\u00e9k bankovn\u00edch jde v p\u0159\u00edpad\u011b t\u00e9 americk\u00e9 o produkt s daleko benevolentn\u011bj\u0161\u00edmi pravidly, i co se spl\u00e1cen\u00ed t\u00fdk\u00e1. P\u016fj\u010den\u00e9 pen\u00edze lze vracet klidn\u011b i mnohem del\u0161\u00ed dobu a tud\u00ed\u017e z\u00e1konit\u011b i po men\u0161\u00edch spl\u00e1tk\u00e1ch, jak\u00e9 zvl\u00e1dne leckdo, by\u0165 je rovn\u011b\u017e nejednou odli\u0161nou i skute\u010dnost, \u017ee lze pen\u00edze tak\u00e9 kdykoliv bez sankc\u00ed splatit p\u0159ed\u010dasn\u011b. A v \u010dem se klasick\u00e9 hypot\u00e9ky a americk\u00e9 hypot\u00e9ka nejednou naopak neli\u0161\u00ed, to je v\u00fd\u0161e \u00farok\u016f. Proto\u017ee jakkoliv maj\u00ed nebankovn\u00ed spole\u010dnosti z minulosti p\u0159etrv\u00e1vaj\u00edc\u00ed ne zase a\u017e tak dobr\u00fd zvuk, nejde tu o \u017e\u00e1dn\u00e9 vyd\u0159iduchy, \u00faroky se od t\u011bch bankovn\u00edch nemus\u00ed nikterak v\u00fdznamn\u011bji odli\u0161ovat. A klasick\u00e9 hypot\u00e9ky se shoduj\u00ed s tou americkou stoprocentn\u011b vlastn\u011b v jedin\u00e9 v\u011bci. A to v tom, \u017ee v obou p\u0159\u00edpadech mus\u00edte p\u016fj\u010den\u00e9 pen\u00edze zodpov\u011bdn\u011b vr\u00e1tit, p\u0159esn\u011b v souladu s podm\u00ednkami. Proto\u017ee jinak mus\u00edte v obou p\u0159\u00edpadech po\u010d\u00edtat s postihem. Na \u010dem\u017e ale nen\u00ed nic nelogick\u00e9ho. Chcete-li tedy, . Co\u017e nemus\u00ed b\u00fdt a nejsp\u00ed\u0161e ani nen\u00ed n\u011bjak\u00e1 ta bankovn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                 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