[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pcsa.cz\/hypoteka-na-bydleni\/#Article","mainEntityOfPage":"https:\/\/www.pcsa.cz\/hypoteka-na-bydleni\/","headline":"Hypot\u00e9ka na bydlen\u00ed","name":"Hypot\u00e9ka na bydlen\u00ed","description":"Tak\u00e9 p\u0159em\u00fd\u0161l\u00edte nad t\u00edm, \u017ee si po\u0159\u00edd\u00edte n\u011bjak\u00e9 bydlen\u00ed, jako nap\u0159\u00edklad vlastn\u00ed byt anebo d\u016fm? J\u00e1 si vzpom\u00edn\u00e1m, kdy\u017e jeden … ","datePublished":"2023-10-23","dateModified":"2023-10-23","author":{"@type":"Person","@id":"https:\/\/www.pcsa.cz\/author\/#Person","name":"","url":"https:\/\/www.pcsa.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pcsa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pcsa.cz\/wp-content\/uploads\/home-2409037_1280.jpg","url":"https:\/\/www.pcsa.cz\/wp-content\/uploads\/home-2409037_1280.jpg","height":0,"width":0},"url":"https:\/\/www.pcsa.cz\/hypoteka-na-bydleni\/","about":["Ekonomika"],"wordCount":430,"articleBody":"   Tak\u00e9 p\u0159em\u00fd\u0161l\u00edte nad t\u00edm, \u017ee si po\u0159\u00edd\u00edte n\u011bjak\u00e9 bydlen\u00ed, jako nap\u0159\u00edklad vlastn\u00ed byt anebo d\u016fm? J\u00e1 si vzpom\u00edn\u00e1m, kdy\u017e jeden m\u016fj kamar\u00e1d \u0159ekl, \u017ee p\u016fjde bydlet do Prahy a \u017ee si tam vezme hypot\u00e9ku na men\u0161\u00ed byt. \u0158\u00edkala jsem si, \u017ee to bude p\u011bkn\u011b drah\u00e9, a kdy\u017e jsem se potom kamar\u00e1da ptala, kde on si koupil sv\u016fj vysn\u011bn\u00fd byt na hypot\u00e9ku, tak on mi \u0159ekl, \u017ee je to velik\u00fd d\u016fm novostavba, kde je patn\u00e1ct byt\u016f. Musela jsem si \u0159\u00edkat, \u017ee to muselo st\u00e1t opravdu hodn\u011b pen\u011bz a on mi \u0159ekl, \u017ee to st\u00e1lo skoro osmn\u00e1ct milion\u016f. Sice tam m\u00e1 zase \u010dty\u0159i m\u00edstnosti a velikou kuchy\u0148 a dv\u011b koupelny, ale stejn\u011b to je takov\u00e9 hodn\u011b drah\u00e9, ale zase ta terasa, tak je opravdu perfektn\u00ed. A kdy\u017e jsem se ho ptala, jak to financoval, tak on \u0159ekl, \u017ee si na to vzal americkou nebankovn\u00ed hypot\u00e9ku Nebankovnihypoteka. Stejn\u011b jsem nad t\u00edm \u017easla. Je to opravdu perfektn\u00ed, \u017ee banka p\u016fj\u010d\u00ed tolik milion\u016f korun jednomu \u010dlov\u011bku, proto\u017ee on je s\u00e1m a nen\u00ed v\u016fbec zadan\u00fd ani \u017eenat\u00fd, tak\u017ee je to docela takov\u00fd snad risk pro tu banku. Mysl\u00edm si, \u017ee asi ne, proto\u017ee m\u016fj kamar\u00e1d m\u00e1 opravdu vysok\u00fd plat, je na vysok\u00e9 pozici, tak\u017ee asi banka by mu nedala pen\u00edze jenom tak, kdyby nem\u011bli jistotu, \u017ee on to bude spl\u00e1cet. A pokud i vy hled\u00e1te n\u011bjakou kvalitn\u00ed hypot\u00e9ku, tak podle m\u00e9ho n\u00e1zoru americk\u00e1 nebankovn\u00ed hypot\u00e9ka m\u016f\u017ee b\u00fdt opravdu skv\u011blou volbu, a to pro v\u0161echny. Samoz\u0159ejm\u011b, \u017ee si nemus\u00edte br\u00e1t ihned n\u011bjak\u00e9 miliony. M\u016f\u017eete si t\u0159eba jenom t\u0159i nebo \u010dty\u0159i miliony korun. Samoz\u0159ejm\u011b, \u017ee to bude tak\u00e9 z\u00e1viset na tom, kolik vy si vyd\u011bl\u00e1v\u00e1te pen\u011bz a jestli je\u0161t\u011b t\u0159eba n\u011bco spl\u00e1c\u00edte anebo je\u0161t\u011b jestli vlastn\u00edte n\u011bjak\u00e9 nemovitosti ve va\u0161em vlastnictv\u00ed. J\u00e1 sama s partnerem si \u0159\u00edk\u00e1me, \u017ee kdybychom n\u011bkdy v budoucnu cht\u011bli si po\u0159\u00eddit n\u011bjak\u00fd men\u0161\u00ed. O velikosti dva plus jedna, tak jsme si \u0159ekli, \u017ee si tak\u00e9 vyzkou\u0161\u00edme vz\u00edt americkou nebankovn\u00ed hypot\u00e9ku. Proto\u017ee n\u00e1\u0161 kamar\u00e1d n\u00e1m pr\u00e1v\u011b tuto americkou nebankovn\u00ed hypot\u00e9ku doporu\u010duje, \u017ee pr\u00fd je opravdu kvalitn\u00ed a d\u00e1 se domluvit na spl\u00e1tk\u00e1ch.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka na bydlen\u00ed","item":"https:\/\/www.pcsa.cz\/hypoteka-na-bydleni\/#breadcrumbitem"}]}]