[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aspczech.cz\/je-americka-hypoteka-bez-registru-vubec-legalni\/#Article","mainEntityOfPage":"https:\/\/www.aspczech.cz\/je-americka-hypoteka-bez-registru-vubec-legalni\/","headline":"Je americk\u00e1 hypot\u00e9ka bez registru v\u016fbec leg\u00e1ln\u00ed?","name":"Je americk\u00e1 hypot\u00e9ka bez registru v\u016fbec leg\u00e1ln\u00ed?","description":"Asi nen\u00ed t\u0159eba \u0159\u00edkat, \u017ee snem mnoh\u00fdch, p\u0159ev\u00e1\u017en\u011b mlad\u00fdch lid\u00ed, je m\u00edt vlastn\u00ed bydlen\u00ed, a\u0165 u\u017e se jedn\u00e1 o d\u016fm \u010di byt. A nen\u00ed divu, koneckonc\u016f m\u00e1 bydlen\u00ed ve vlastn\u00edm celou \u0159adu v\u00fdhod. P\u0159edev\u0161\u00edm nemus\u00edte m\u011bs\u00ed\u010dn\u011b platit za to, \u017ee […]","datePublished":"2020-08-17","dateModified":"2020-08-17","author":{"@type":"Person","@id":"https:\/\/www.aspczech.cz\/author\/#Person","name":"aspczech.cz\n","url":"https:\/\/www.aspczech.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/40308b9402d145b1dc164f447b6506e9dadca8c8362c3ffb52df95e789c0fd10?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/40308b9402d145b1dc164f447b6506e9dadca8c8362c3ffb52df95e789c0fd10?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"aspczech.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.aspczech.cz\/wp-content\/uploads\/hypoteka1_10_9.jpg","url":"https:\/\/www.aspczech.cz\/wp-content\/uploads\/hypoteka1_10_9.jpg","height":0,"width":0},"url":"https:\/\/www.aspczech.cz\/je-americka-hypoteka-bez-registru-vubec-legalni\/","about":["Ekonomika"],"wordCount":432,"articleBody":"   Asi nen\u00ed t\u0159eba \u0159\u00edkat, \u017ee snem mnoh\u00fdch, p\u0159ev\u00e1\u017en\u011b mlad\u00fdch lid\u00ed, je m\u00edt vlastn\u00ed bydlen\u00ed, a\u0165 u\u017e se jedn\u00e1 o d\u016fm \u010di byt. A nen\u00ed divu, koneckonc\u016f m\u00e1 bydlen\u00ed ve vlastn\u00edm celou \u0159adu v\u00fdhod. P\u0159edev\u0161\u00edm nemus\u00edte m\u011bs\u00ed\u010dn\u011b platit za to, \u017ee m\u016f\u017eete de facto bydlet na ciz\u00edm pozemku, a nav\u00edc se nemus\u00edte b\u00e1t, \u017ee v\u00e1m majitel neprodlou\u017e\u00ed smlouvu.Je v\u0161ak pravdou, \u017ee tohoto c\u00edle dos\u00e1hne jen mal\u00e9 mno\u017estv\u00ed lid\u00ed. D\u016fvodem je vysok\u00e1 cena nemovitost\u00ed, kter\u00e1 dosahuje takov\u00e9 v\u00fd\u0161e, \u017ee v\u011bt\u0161ina lid\u00ed si nem\u016f\u017ee dovolit koupit ani mal\u00fd byt n\u011bkde na okraji zapadl\u00e9 vesni\u010dky.Nen\u00ed proto divu, \u017ee b\u011b\u017en\u00fdm zp\u016fsobem, jak si opat\u0159it na n\u00e1kup nemovitosti pen\u00edze, je vz\u00edt si hypot\u00e9ku. To je \u00fa\u010delov\u00e1 p\u016fj\u010dka, ur\u010den\u00e1 prim\u00e1rn\u011b ke koupi \u010di rekonstrukci konkr\u00e9tn\u00ed, p\u0159edem dan\u00e9 nemovitosti. Mohou ji poskytovat jak bankovn\u00ed, tak nebankovn\u00ed subjekty a je j\u00ed mnoho typ\u016f.U n\u011bkter\u00fdch, kter\u00e9 se objevily v ned\u00e1vn\u00e9 dob\u011b, si \u0159\u00edk\u00e1me, zda jsou v\u016fbec v souladu s na\u0161imi z\u00e1kony. P\u0159\u00edkladem zde m\u016f\u017ee b\u00fdt t\u0159eba americk\u00e1 hypot\u00e9ka bez registru. Jak ji\u017e n\u00e1zev napov\u00edd\u00e1, p\u0159i\u0161la k n\u00e1m ze Spojen\u00fdch st\u00e1t\u016f Americk\u00fdch, kde se jedn\u00e1 o b\u011b\u017en\u00fd zp\u016fsob financov\u00e1n\u00ed bydlen\u00ed.Jeho zvl\u00e1\u0161tnost\u00ed, krom\u011b toho, \u017ee \u017eadatel nen\u00ed prov\u011b\u0159ov\u00e1n v registru dlu\u017en\u00edk\u016f, je to, \u017ee zde nen\u00ed vy\u017eadov\u00e1n ru\u010ditel. Ru\u010d\u00ed se toti\u017e danou nemovitost\u00ed a to t\u00edm zp\u016fsobem, \u017ee je a\u017e do \u00fapln\u00e9ho zaplacen\u00ed cel\u00e9 \u010d\u00e1stky, v\u010detn\u011b v\u0161ech \u00farok\u016f a poplatk\u016f, majetkem firmy, kter\u00e1 pen\u00edze poskytla.A zde je k\u00e1men \u00farazu. Je toto v souladu s na\u0161\u00edm pr\u00e1vem? Nebo skute\u010dn\u011b tyto spole\u010dnosti nemaj\u00ed leg\u00e1ln\u00ed oporu v tom, \u017ee budou vlastnit d\u016fm \u010di byt, kter\u00fd jsme si koupili, by\u0165 za poskytnut\u00e9 pen\u00edze?Popravd\u011b \u0159e\u010deno, pr\u00e1v\u011b kv\u016fli tomuto typu hypot\u00e9ky byl z\u00e1kon pon\u011bkud upraven. V\u011bzte tedy, \u017ee je to zcela leg\u00e1ln\u00ed, by\u0165 to nemohou praktikovat v\u0161echny subjekty. T\u00fdk\u00e1 se to p\u0159edev\u0161\u00edm bank, kter\u00e9 tento typ hypot\u00e9ky nesm\u00ed poskytovat.Z\u00e1le\u017e\u00ed tak jen na v\u00e1s, zda budete na tyto podm\u00ednky ochotni p\u0159istoupit. Jen si p\u0159edem po\u0159\u00e1dn\u011b p\u0159e\u010dt\u011bte smlouvu, a\u0165 pak nelitujete.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je americk\u00e1 hypot\u00e9ka bez registru v\u016fbec leg\u00e1ln\u00ed?","item":"https:\/\/www.aspczech.cz\/je-americka-hypoteka-bez-registru-vubec-legalni\/#breadcrumbitem"}]}]