[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.esfr.cz\/dum-a-zahrada\/vezmete-si-americkou-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.esfr.cz\/dum-a-zahrada\/vezmete-si-americkou-hypoteku\/","headline":"Vezm\u011bte si americkou hypot\u00e9ku","name":"Vezm\u011bte si americkou hypot\u00e9ku","description":"I v dne\u0161n\u00ed dob\u011b, o kter\u00e9 se u n\u00e1s mluv\u00ed jako o \u00e9\u0159e blahobytu, je mezi n\u00e1mi mnoho t\u011bch, kdo maj\u00ed hluboko do kapsy. A pokud se tito ocitnou v podobn\u00e9 situaci, nezb\u00fdv\u00e1 jim nic jin\u00e9ho, ne\u017e se obr\u00e1tit na n\u011bkoho, kdo by jim chyb\u011bj\u00edc\u00ed pen\u00edze p\u016fj\u010dil. R\u016fzn\u00fdch poskytovatel\u016f p\u016fj\u010dek je u n\u00e1s dost a […]","datePublished":"2019-08-23","dateModified":"2019-08-23","author":{"@type":"Person","@id":"https:\/\/www.esfr.cz\/author\/#Person","name":"","url":"https:\/\/www.esfr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"esfr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.esfr.cz\/wp-content\/uploads\/img_a360045_w1681_t1573966707.jpg","url":"https:\/\/www.esfr.cz\/wp-content\/uploads\/img_a360045_w1681_t1573966707.jpg","height":0,"width":0},"url":"https:\/\/www.esfr.cz\/dum-a-zahrada\/vezmete-si-americkou-hypoteku\/","wordCount":434,"articleBody":"            I v dne\u0161n\u00ed dob\u011b, o kter\u00e9 se u n\u00e1s mluv\u00ed jako o \u00e9\u0159e blahobytu, je mezi n\u00e1mi mnoho t\u011bch, kdo maj\u00ed hluboko do kapsy. A pokud se tito ocitnou v podobn\u00e9 situaci, nezb\u00fdv\u00e1 jim nic jin\u00e9ho, ne\u017e se obr\u00e1tit na n\u011bkoho, kdo by jim chyb\u011bj\u00edc\u00ed pen\u00edze p\u016fj\u010dil.  R\u016fzn\u00fdch poskytovatel\u016f p\u016fj\u010dek je u n\u00e1s dost a dost, v tom probl\u00e9m nen\u00ed. Ov\u0161em ne ka\u017ed\u00fd z nich p\u016fj\u010d\u00ed ka\u017ed\u00e9mu, kdo se na n\u011b obr\u00e1t\u00ed se \u017e\u00e1dost\u00ed. Proto\u017ee je logick\u00e9, \u017ee ten, kdo pen\u00edze p\u016fj\u010duje, je chce tak\u00e9 za dohodnut\u00fdch podm\u00ednek vr\u00e1tit. A pokud m\u00e1 pochybnosti o \u017eadateli, nejednou mu rad\u011bji u\u017e i jenom preventivn\u011b nevyhov\u00ed. Jistota je jistota. A tak m\u016f\u017eeme b\u00fdt nejednou r\u00e1di, \u017ee se v on\u00e9 z\u00e1plav\u011b r\u016fzn\u00fdch nab\u00edzej\u00edc\u00edch se p\u016fj\u010dek vyskytuje i americk\u00e1 hypot\u00e9ka bez registru. Co\u017e je typ p\u016fj\u010dky ur\u010den\u00fd pr\u00e1v\u011b t\u011bm, kdo nejsou zrovna ide\u00e1ln\u00edmi \u017eadateli. I kdy\u017e je pochopiteln\u011b nad slunce jasn\u00e9, \u017ee tu ochotn\u011b vyhov\u00ed i t\u011bm, kdo by byli v\u00edt\u00e1ni u kter\u00e9hokoliv z poskytovatel\u016f, kdo jsou \u017eadateli vysloven\u011b ide\u00e1ln\u00edmi.  V p\u0159\u00edpad\u011b t\u00e9to hypot\u00e9ky jsou toti\u017e na \u017eadatele kladeny jen minim\u00e1ln\u00ed po\u017eadavky. Sta\u010d\u00ed i jenom pom\u011brn\u011b n\u00edzk\u00e9 prokazateln\u00e9 p\u0159\u00edjmy, pokud tyto sta\u010d\u00ed ke spl\u00e1cen\u00ed alespo\u0148 t\u011bch nejni\u017e\u0161\u00edch mo\u017en\u00fdch spl\u00e1tek, sta\u010d\u00ed i vcelku nedob\u0159e vypadaj\u00edc\u00ed da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, vadit nemus\u00ed ani n\u011bjak\u00fd ten z\u00e1znam v registrech dlu\u017en\u00edk\u016f nebo exekuce, p\u0159\u00edpadn\u011b jin\u00e9 dluhy. Tyto nedostatky na stran\u011b \u017eadatel\u016f jsou toti\u017e vykompenzov\u00e1ny nutnost\u00ed d\u00e1t za tuto p\u016fj\u010dku do z\u00e1stavy nemovitost. Kdo tuto nab\u00eddne, m\u016f\u017ee dostat a\u017e sedmdes\u00e1t procent jej\u00ed odhadn\u00ed ceny, a to rychle a bez zbyte\u010dn\u00e9ho pap\u00edrov\u00e1n\u00ed. Nic se tu nemus\u00ed platit p\u0159edem, na oboustrann\u011b v\u00fdhodn\u00fdch podm\u00ednk\u00e1ch se lze domluvit, \u00faroky jsou tu vcelku p\u0159\u00edzniv\u00e9, doba spl\u00e1cen\u00ed m\u016f\u017ee b\u00fdt t\u0159eba i t\u0159icet let dlouh\u00e1, pochopiteln\u011b s mo\u017enost\u00ed splatit v\u0161e bez sankc\u00ed i p\u0159ed\u010dasn\u011b, z\u00edskanou p\u016fj\u010dku je mo\u017en\u00e9 pou\u017e\u00edt na cokoliv. Prost\u011b ide\u00e1ln\u00ed \u0159e\u0161en\u00ed finan\u010dn\u00edch probl\u00e9m\u016f. A to i v p\u0159\u00edpad\u011b t\u011bch, kter\u00fdm by n\u011bkde jinde sotva p\u016fj\u010dili.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dum A Zahrada","item":"https:\/\/www.esfr.cz\/dum-a-zahrada\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Vezm\u011bte si americkou hypot\u00e9ku","item":"https:\/\/www.esfr.cz\/dum-a-zahrada\/vezmete-si-americkou-hypoteku\/#breadcrumbitem"}]}]