[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bumo.cz\/americka-nebankovni-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.bumo.cz\/americka-nebankovni-hypoteka\/","headline":"Americk\u00e1 nebankovn\u00ed hypot\u00e9ka","name":"Americk\u00e1 nebankovn\u00ed hypot\u00e9ka","description":"Pod zkratkou americk\u00e1 hypot\u00e9ka nebankovn\u00ed se nach\u00e1z\u00ed podnikatelsk\u00fd \u00fav\u011br. A. Jak\u00e9 m\u00e1 podm\u00ednky a co m\u016f\u017eete o\u010dek\u00e1vat? O\u010dek\u00e1vat m\u016f\u017eete f\u00e9rov\u00fd a v\u00fdhodn\u00fd finan\u010dn\u00ed produkt. Pro\u010d je tedy tak v\u00fdjime\u010dn\u00fd a v \u010dem se li\u0161\u00ed od banky? Li\u0161\u00ed se nap\u0159\u00edklad v tom, \u017ee my nezkoum\u00e1me registry, jako je tomu u bankovn\u00edch instituc\u00ed. Banky maj\u00ed jasn\u011b dan\u00e9&hellip; <a href=\"https:\/\/www.bumo.cz\/americka-nebankovni-hypoteka\/\">Pokra\u010dovat ve \u010dten\u00ed <span class=\"screen-reader-text\">Americk\u00e1 nebankovn\u00ed hypot\u00e9ka<\/span><\/a>","datePublished":"2018-08-26","dateModified":"2018-08-26","author":{"@type":"Person","@id":"https:\/\/www.bumo.cz\/author\/#Person","name":"bumo.cz\n","url":"https:\/\/www.bumo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/df9d3e7f7fe4622e291ec02ac46f5f76755ddc91019a65e783baee3892394402?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/df9d3e7f7fe4622e291ec02ac46f5f76755ddc91019a65e783baee3892394402?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bumo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bumo.cz\/wp-content\/uploads\/img_a322935_w2067_t1534794717.jpg","url":"https:\/\/www.bumo.cz\/wp-content\/uploads\/img_a322935_w2067_t1534794717.jpg","height":0,"width":0},"url":"https:\/\/www.bumo.cz\/americka-nebankovni-hypoteka\/","about":["D\u016fm a zahrada"],"wordCount":441,"articleBody":"      Pod zkratkou americk\u00e1 hypot\u00e9ka nebankovn\u00ed se nach\u00e1z\u00ed podnikatelsk\u00fd \u00fav\u011br. A. Jak\u00e9 m\u00e1 podm\u00ednky a co m\u016f\u017eete o\u010dek\u00e1vat?  O\u010dek\u00e1vat m\u016f\u017eete f\u00e9rov\u00fd a v\u00fdhodn\u00fd finan\u010dn\u00ed produkt. Pro\u010d je tedy tak v\u00fdjime\u010dn\u00fd a v \u010dem se li\u0161\u00ed od banky? Li\u0161\u00ed se nap\u0159\u00edklad v tom, \u017ee my nezkoum\u00e1me registry, jako je tomu u bankovn\u00edch instituc\u00ed. Banky maj\u00ed jasn\u011b dan\u00e9 normy a cokoliv, co neodpov\u00edd\u00e1, tak nen\u00ed \u017e\u00e1douc\u00ed. Proto v\u00e1m s klidnou tv\u00e1\u0159\u00ed \u0159eknou, \u017ee pokud m\u00e1te z\u00e1znam, by\u0165 jen mal\u00fd, nap\u0159\u00edklad za n\u011bjakou opo\u017ed\u011bnou spl\u00e1tku, tak v\u00e1m pen\u00edze neposkytnou a to \u017e\u00e1dnou formou ani jako p\u016fj\u010dku ani jako \u00fav\u011br. Velkou v\u00fdhodou je tento faktor, kter\u00fd hraje d\u016fle\u017eitou roli v nebankovn\u00edch spole\u010dnostech. Z\u00e1znamy v registru se toti\u017e u n\u00e1s b\u011b\u017en\u011b toleruj\u00ed. Neproj\u00ed\u017ed\u00edme a neprohled\u00e1v\u00e1me z\u00e1znamy registr\u016f dlu\u017en\u00edk\u016f.  Dal\u0161\u00ed velkou v\u00fdhodou je prokazov\u00e1n\u00ed p\u0159\u00edjm\u016f. Pokud nem\u016f\u017eete sv\u00e9 p\u0159\u00edjmy prok\u00e1zat, m\u00e1te ni\u017e\u0161\u00ed da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, tak op\u011bt v bance \u00fav\u011br nez\u00edsk\u00e1te. Je to zp\u016fsobeno t\u00edm, \u017ee oni pot\u0159ebuj\u00ed m\u00edt jistoty, kter\u00e9 vy jim nem\u016f\u017eete zaru\u010dit. U n\u00e1s to nen\u00ed \u017e\u00e1dn\u00fd probl\u00e9m. Pokud nem\u00e1te dostate\u010dn\u011b prokazateln\u00e9 p\u0159\u00edjmy, m\u00e1te n\u00edzk\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed \u010di cokoliv podobn\u00e9ho, nehraje to \u017e\u00e1dnou roli a pen\u00edze u n\u00e1s formou podnikatelsk\u00e9ho \u00fav\u011br\u016f m\u016f\u017eete z\u00edskat.  B. Kdo si jej m\u016f\u017ee sjednat?  Podnikatelsk\u00fd \u00fav\u011br si samoz\u0159ejm\u011b mohou sjedn\u00e1vat pouze podnikatel\u00e9, co\u017e znamen\u00e1 firmy, OSV\u010c a r\u016fzn\u00e9 druhy dal\u0161\u00edch podnikatelsk\u00fdch subjekt\u016f. Pen\u00edze mus\u00ed b\u00fdt v\u017edy pou\u017eity za \u00fa\u010dely uspokojen\u00ed pot\u0159eb firmy \u010di \u0159emesla. Proto se tyto finance investuj\u00ed do podnik\u00e1n\u00ed \u2013 od toho tak\u00e9 vypl\u00fdv\u00e1 n\u00e1zev, podnikatelsk\u00fd \u00fav\u011br.   Podm\u00ednky \u00fav\u011bru Nyn\u00ed se pod\u00edv\u00e1me na konkr\u00e9tn\u00ed podm\u00ednky \u00fav\u011bru: 1) Dlouhodob\u00e1 forma spl\u00e1cen\u00ed \u2013 a\u017e na 30 let.  2) Vysok\u00e9 procento z c\u00edlov\u00e9 \u010d\u00e1stky za va\u0161i nemovitost.  3) Ru\u010dit m\u016f\u017eete jakoukoliv nemovitost\u00ed.  4) \u017d\u00e1dn\u00e9 z\u00e1vazky ani poplatky p\u0159edem. 5) Pen\u00edze do 24 hodin od podpisu smlouvy. 6) \u00darokov\u00e1 m\u00edra \u2013 B\u011b\u017en\u011b se d\u00e1v\u00e1 6,9%p.a. ale pro v\u00fdjime\u010dn\u00e9 klienty bez z\u00e1znamu nebo s drobn\u00fdmi nedostatky m\u00e1me p\u0159ipravenou exkluzivn\u00ed \u00farokovou sazbu ji\u017e do 3%p.a.  7) A nakonec \u017e\u00e1dn\u00e9 nahl\u00ed\u017een\u00ed do registru. 8) Ani \u017e\u00e1dn\u00e9 dokazov\u00e1n\u00ed p\u0159\u00edjm\u016f.                                                                                                                                                                                                                                                                                                                                                                                           4.6\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Americk\u00e1 nebankovn\u00ed hypot\u00e9ka","item":"https:\/\/www.bumo.cz\/americka-nebankovni-hypoteka\/#breadcrumbitem"}]}]