{"id":1413,"date":"2023-08-06T17:19:40","date_gmt":"2023-08-06T15:19:40","guid":{"rendered":"https:\/\/regbu.com\/?p=1413"},"modified":"2025-09-05T07:40:26","modified_gmt":"2025-09-05T05:40:26","slug":"americka-hypoteka-se-od-klasicke-lisi","status":"publish","type":"post","link":"https:\/\/regbu.com\/en\/american-hypotheque-from-classic-lissa\/","title":{"rendered":"The American mortgage differs from the conventional mortgage"},"content":{"rendered":"<p>A US mortgage is a financial product that you should look out for <strong><a href=\"https:\/\/regbu.com\/en\/interest-rates-you-need-to-know\/\">interest rates<\/a><\/strong> and a number of other things. A little bit different mortgage than what you're used to. Nevertheless, it has many fans in the Czech Republic and around the world and is widely used. If you want to get to know it in detail, read the following lines.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mortgage loan<\/li>\n\n\n\n<li>Known in America as a home equity loan<\/li>\n\n\n\n<li>Non-purpose loan<\/li>\n<\/ul>\n\n\n\n<p>It is the mention of the non-purposeful nature of the mortgage loan that brings out the main difference between a conventional and an American mortgage. Simply put, this type of loan can <strong>use it for basically anything<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How does an American mortgage work?<\/h2>\n\n\n\n<p>Now you know that an American mortgage is not just for financing your own home, as a conventional mortgage is. <em>However, this is not a traditional consumer loan<\/em>certainly not. American mortgages come with different loan terms. There is also an obligation, as with a mortgage. For the money borrowed, you are guaranteeing a property of equivalent value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Frequently asked questions and answers<\/h3>\n\n\n\n<p>From the above brief description, you can get a rough idea of the pros and cons of this mortgage product. The advantages include the relatively <strong>long maturity period<\/strong> reaching the age of twenty. When you borrow more money, you have the option of spreading the repayments over more months to reduce the value of the loan. You can read about other advantages and disadvantages in the Q&amp;A.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1691421437230\"><strong class=\"schema-faq-question\">How much money can I borrow with an American mortgage?<\/strong> <p class=\"schema-faq-answer\">Of course, this depends on your creditworthiness. At the same time, it provides you with an offer of a maximum of 70 % of the value of the mortgaged property.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691421445357\"><strong class=\"schema-faq-question\">Who is the provider of this mortgage?<\/strong> <p class=\"schema-faq-answer\">These are not only banks, but also non-banking companies.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691421451658\"><strong class=\"schema-faq-question\">What are the other advantages of an American mortgage?<\/strong> <p class=\"schema-faq-answer\">It is a lower interest rate compared to a consumer loan and the possibility of early repayment without penalty.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691421458455\"><strong class=\"schema-faq-question\">Are there any disadvantages to this mortgage?<\/strong> <p class=\"schema-faq-answer\">Due to its non-purpose nature, it offers a slightly higher interest rate than a conventional mortgage. The maximum amount is also limited.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691421465095\"><strong class=\"schema-faq-question\">Is it possible to sell the mortgaged property?<\/strong> <p class=\"schema-faq-answer\">Yes, but the money will go to pay off the outstanding debt. There are often penalty fees associated with this action.<\/p> <\/div> <\/div>","protected":false},"excerpt":{"rendered":"<p>A US mortgage is a financial product where you should keep an eye on interest rates and a number of other things. It's a bit different from the mortgage you're used to. Nevertheless, it has many fans in the Czech Republic and around the world and is widely used. If you want to get to know it in detail, read the following lines. ... <\/p>","protected":false},"author":2,"featured_media":1414,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[1125,326,625,1726,165,331,650,1728,1727,627,157],"class_list":["post-1413","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-americka-hypoteka","tag-finance","tag-hypoteka","tag-klasicka-hypoteka","tag-nevyhody","tag-penize","tag-pujcka","tag-rpsn","tag-urok","tag-uver","tag-vyhody"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Americk\u00e1 hypot\u00e9ka se od klasick\u00e9 li\u0161\u00ed - REGBU.COM<\/title>\n<meta name=\"description\" content=\"V\u00edte, co si p\u0159edstavit pod pojmem americk\u00e1 hypot\u00e9ka? 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Nen\u00ed to toti\u017e to sam\u00e9, jako klasick\u00e1 hypot\u00e9ka od banky.","og_url":"https:\/\/regbu.com\/en\/american-hypotheque-from-classic-lissa\/","og_site_name":"REGBU.COM","article_published_time":"2023-08-06T15:19:40+00:00","article_modified_time":"2025-09-05T05:40:26+00:00","og_image":[{"width":1200,"height":676,"url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/americka-hypotka-se-od-klasicke-lisi.jpg","type":"image\/jpeg"}],"author":"George Martin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"George Martin","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/regbu.com\/en\/american-hypotheque-from-classic-lissa\/#article","isPartOf":{"@id":"https:\/\/regbu.com\/en\/american-hypotheque-from-classic-lissa\/"},"author":{"name":"George Martin","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"headline":"Americk\u00e1 hypot\u00e9ka se od klasick\u00e9 li\u0161\u00ed","datePublished":"2023-08-06T15:19:40+00:00","dateModified":"2025-09-05T05:40:26+00:00","mainEntityOfPage":{"@id":"https:\/\/regbu.com\/en\/american-hypotheque-from-classic-lissa\/"},"wordCount":453,"image":{"@id":"https:\/\/regbu.com\/en\/american-hypotheque-from-classic-lissa\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/americka-hypotka-se-od-klasicke-lisi.jpg","keywords":["americk\u00e1 hypot\u00e9ka","finance","hypot\u00e9ka","klasick\u00e1 hypot\u00e9ka","nev\u00fdhody","pen\u00edze","p\u016fj\u010dka","rpsn","\u00farok","\u00fav\u011br","v\u00fdhody"],"articleSection":["Finance"],"inLanguage":"en-US"},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/regbu.com\/en\/american-hypotheque-from-classic-lissa\/","url":"https:\/\/regbu.com\/en\/american-hypotheque-from-classic-lissa\/","name":"American mortgage differs from the traditional one - REGBU.COM","isPartOf":{"@id":"https:\/\/regbu.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/regbu.com\/en\/american-hypotheque-from-classic-lissa\/#primaryimage"},"image":{"@id":"https:\/\/regbu.com\/en\/american-hypotheque-from-classic-lissa\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/americka-hypotka-se-od-klasicke-lisi.jpg","datePublished":"2023-08-06T15:19:40+00:00","dateModified":"2025-09-05T05:40:26+00:00","author":{"@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"description":"Do you know what to think of as an American mortgage? 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Z\u00e1rove\u0148 V\u00e1m poskytoval nab\u00eddce maxim\u00e1ln\u011b 70 % hodnoty zastaven\u00e9 nemovitosti.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/regbu.com\/en\/american-hypotheque-from-classic-lissa\/#faq-question-1691421445357","position":2,"url":"https:\/\/regbu.com\/en\/american-hypotheque-from-classic-lissa\/#faq-question-1691421445357","name":"Who is the provider of this mortgage?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Jsou to nejenom banky, ale i nebankovn\u00ed spole\u010dnosti.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/regbu.com\/en\/american-hypotheque-from-classic-lissa\/#faq-question-1691421451658","position":3,"url":"https:\/\/regbu.com\/en\/american-hypotheque-from-classic-lissa\/#faq-question-1691421451658","name":"What are the other advantages of an American mortgage?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Je to ni\u017e\u0161\u00ed \u00farok oproti spot\u0159ebitelsk\u00e9mu \u00fav\u011bru a mo\u017enost p\u0159ed\u010dasn\u00e9ho splacen\u00ed bez sankc\u00ed.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/regbu.com\/en\/american-hypotheque-from-classic-lissa\/#faq-question-1691421458455","position":4,"url":"https:\/\/regbu.com\/en\/american-hypotheque-from-classic-lissa\/#faq-question-1691421458455","name":"Are there any disadvantages to this mortgage?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"D\u00edky ne\u00fa\u010delov\u00e9mu charakteru nab\u00edz\u00ed trochu vy\u0161\u0161\u00ed \u00farok oproti klasick\u00e9 hypot\u00e9ce. Omezena je tak\u00e9 jej\u00ed maxim\u00e1ln\u00ed v\u00fd\u0161e.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/regbu.com\/en\/american-hypotheque-from-classic-lissa\/#faq-question-1691421465095","position":5,"url":"https:\/\/regbu.com\/en\/american-hypotheque-from-classic-lissa\/#faq-question-1691421465095","name":"Is it possible to sell the mortgaged property?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, ale pen\u00edze p\u016fjdou na \u00fahradu dlu\u017en\u00e9ho z\u00e1vazku. S t\u00edmto \u00fakonem se mnohdy poj\u00ed sank\u010dn\u00ed poplatky.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/posts\/1413","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/comments?post=1413"}],"version-history":[{"count":2,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/posts\/1413\/revisions"}],"predecessor-version":[{"id":1439,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/posts\/1413\/revisions\/1439"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/media\/1414"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/media?parent=1413"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/categories?post=1413"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/tags?post=1413"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}