{"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\/sk\/americka-hypoteka-od-klasickej-lisy\/","title":{"rendered":"Americk\u00e1 hypot\u00e9ka sa l\u00ed\u0161i od be\u017enej hypot\u00e9ky"},"content":{"rendered":"<p>Americk\u00e1 hypot\u00e9ka je finan\u010dn\u00fd produkt, na ktor\u00fd by ste si mali da\u0165 pozor <strong><a href=\"https:\/\/regbu.com\/sk\/urokove-sadzby-ktore-potrebujete-poznat\/\">\u00farokov\u00e9 sadzby<\/a><\/strong> a mnoho \u010fal\u0161\u00edch vec\u00ed. Trochu sa to l\u00ed\u0161i od hypot\u00e9ky, na ktor\u00fa ste zvyknut\u00ed. Napriek tomu m\u00e1 v \u010ceskej republike i vo svete ve\u013ea priaznivcov a je hojne vyu\u017e\u00edvan\u00e1. Ak sa s \u0148ou chcete podrobne zozn\u00e1mi\u0165, pre\u010d\u00edtajte si nasleduj\u00face riadky.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hypotek\u00e1rny \u00faver<\/li>\n\n\n\n<li>V Amerike zn\u00e1my ako \u00faver na vlastn\u00e9 zdroje<\/li>\n\n\n\n<li>Ne\u00fa\u010delov\u00fd \u00faver<\/li>\n<\/ul>\n\n\n\n<p>Pr\u00e1ve zmienka o bez\u00fa\u010delovosti hypotek\u00e1rneho \u00faveru poukazuje na hlavn\u00fd rozdiel medzi klasickou a americkou hypot\u00e9kou. Jednoducho povedan\u00e9, tento typ \u00faveru m\u00f4\u017ee <strong>pou\u017e\u00edva\u0165 ho v podstate na \u010doko\u013evek<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ako funguje americk\u00e1 hypot\u00e9ka?<\/h2>\n\n\n\n<p>Teraz u\u017e viete, \u017ee americk\u00e1 hypot\u00e9ka nie je ur\u010den\u00e1 len na financovanie vlastn\u00e9ho b\u00fdvania, ako je to pri be\u017enej hypot\u00e9ke. <em>Nejde v\u0161ak o tradi\u010dn\u00fd spotrebite\u013esk\u00fd \u00faver.<\/em>ur\u010dite nie. Americk\u00e9 hypot\u00e9ky sa poskytuj\u00fa za r\u00f4znych podmienok. Rovnako ako pri hypot\u00e9ke existuje aj z\u00e1v\u00e4zok. Za po\u017ei\u010dan\u00e9 peniaze ru\u010d\u00edte nehnute\u013enos\u0165ou v rovnakej hodnote.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u010casto kladen\u00e9 ot\u00e1zky a odpovede<\/h3>\n\n\n\n<p>Z uveden\u00e9ho stru\u010dn\u00e9ho opisu si m\u00f4\u017eete urobi\u0165 pribli\u017en\u00fa predstavu o v\u00fdhod\u00e1ch a nev\u00fdhod\u00e1ch tohto hypotek\u00e1rneho produktu. Medzi v\u00fdhody patr\u00ed relat\u00edvne <strong>dlh\u00e9 obdobie splatnosti<\/strong> dov\u0155\u0161enie veku dvadsa\u0165 rokov. Ke\u010f si po\u017ei\u010diate viac pe\u0148az\u00ed, m\u00e1te mo\u017enos\u0165 rozlo\u017ei\u0165 si spl\u00e1tky na viac mesiacov a zn\u00ed\u017ei\u0165 tak hodnotu \u00faveru. O \u010fal\u0161\u00edch v\u00fdhod\u00e1ch a nev\u00fdhod\u00e1ch sa do\u010d\u00edtate v ot\u00e1zkach a odpovediach.<\/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\">Ko\u013eko pe\u0148az\u00ed si m\u00f4\u017eem po\u017ei\u010da\u0165 s americkou hypot\u00e9kou?<\/strong> <p class=\"schema-faq-answer\">Samozrejme, z\u00e1vis\u00ed to od va\u0161ej \u00faverovej bonity. Z\u00e1rove\u0148 v\u00e1m poskytuje ponuku v maxim\u00e1lnej v\u00fd\u0161ke 70 % hodnoty zalo\u017eenej nehnute\u013enosti.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691421445357\"><strong class=\"schema-faq-question\">Kto je poskytovate\u013eom tejto hypot\u00e9ky?<\/strong> <p class=\"schema-faq-answer\">Nie s\u00fa to len banky, ale aj nebankov\u00e9 spolo\u010dnosti.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691421451658\"><strong class=\"schema-faq-question\">Ak\u00e9 s\u00fa \u010fal\u0161ie v\u00fdhody americkej hypot\u00e9ky?<\/strong> <p class=\"schema-faq-answer\">Ide o ni\u017e\u0161iu \u00farokov\u00fa sadzbu v porovnan\u00ed so spotrebite\u013esk\u00fdm \u00faverom a mo\u017enos\u0165 pred\u010dasn\u00e9ho splatenia bez sankci\u00ed.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691421458455\"><strong class=\"schema-faq-question\">M\u00e1 t\u00e1to hypot\u00e9ka nejak\u00e9 nev\u00fdhody?<\/strong> <p class=\"schema-faq-answer\">Vzh\u013eadom na svoj ne\u00fa\u010delov\u00fd charakter pon\u00faka o nie\u010do vy\u0161\u0161iu \u00farokov\u00fa sadzbu ako klasick\u00e1 hypot\u00e9ka. Obmedzen\u00e1 je aj maxim\u00e1lna v\u00fd\u0161ka.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691421465095\"><strong class=\"schema-faq-question\">Je mo\u017en\u00e9 zastaven\u00fa nehnute\u013enos\u0165 preda\u0165?<\/strong> <p class=\"schema-faq-answer\">\u00c1no, ale peniaze p\u00f4jdu na splatenie nesplaten\u00e9ho dlhu. S t\u00fdmto \u00fakonom s\u00fa \u010dasto spojen\u00e9 sank\u010dn\u00e9 poplatky.<\/p> <\/div> <\/div>","protected":false},"excerpt":{"rendered":"<p>Americk\u00e1 hypot\u00e9ka je finan\u010dn\u00fd produkt, pri ktorom by ste mali sledova\u0165 \u00farokov\u00e9 sadzby a mno\u017estvo \u010fal\u0161\u00edch vec\u00ed. Je trochu odli\u0161n\u00e1 od hypot\u00e9ky, na ktor\u00fa ste zvyknut\u00ed. Napriek tomu m\u00e1 u n\u00e1s i vo svete ve\u013ea priaznivcov a je hojne vyu\u017e\u00edvan\u00e1. Ak sa s \u0148ou chcete podrobne zozn\u00e1mi\u0165, pre\u010d\u00edtajte si nasleduj\u00face riadky. ... <\/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? Nen\u00ed to toti\u017e to sam\u00e9, jako klasick\u00e1 hypot\u00e9ka od banky.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Americk\u00e1 hypot\u00e9ka se od klasick\u00e9 li\u0161\u00ed - REGBU.COM\" \/>\n<meta property=\"og:description\" content=\"V\u00edte, co si p\u0159edstavit pod pojmem americk\u00e1 hypot\u00e9ka? Nen\u00ed to toti\u017e to sam\u00e9, jako klasick\u00e1 hypot\u00e9ka od banky.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/\" \/>\n<meta property=\"og:site_name\" content=\"REGBU.COM\" \/>\n<meta property=\"article:published_time\" content=\"2023-08-06T15:19:40+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-05T05:40:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/americka-hypotka-se-od-klasicke-lisi.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"676\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"George Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"George Martin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 min\u00faty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/\"},\"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\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/\"},\"wordCount\":453,\"image\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#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\":\"sk-SK\"},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/\",\"url\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/\",\"name\":\"Americk\u00e1 hypot\u00e9ka se od klasick\u00e9 li\u0161\u00ed - REGBU.COM\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#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\":\"V\u00edte, co si p\u0159edstavit pod pojmem americk\u00e1 hypot\u00e9ka? Nen\u00ed to toti\u017e to sam\u00e9, jako klasick\u00e1 hypot\u00e9ka od banky.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#faq-question-1691421437230\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#faq-question-1691421445357\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#faq-question-1691421451658\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#faq-question-1691421458455\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#faq-question-1691421465095\"}],\"inLanguage\":\"sk-SK\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"sk-SK\",\"@id\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#primaryimage\",\"url\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/americka-hypotka-se-od-klasicke-lisi.jpg\",\"contentUrl\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/americka-hypotka-se-od-klasicke-lisi.jpg\",\"width\":1200,\"height\":676,\"caption\":\"Americk\u00e1 hypot\u00e9ka se od klasick\u00e9 li\u0161\u00ed\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/regbu.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Americk\u00e1 hypot\u00e9ka se od klasick\u00e9 li\u0161\u00ed\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/regbu.com\\\/en\\\/\",\"name\":\"REGBU.COM\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/regbu.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"sk-SK\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#\\\/schema\\\/person\\\/94ea9deda2629771b8a9ced002f6784e\",\"name\":\"George Martin\",\"url\":\"https:\\\/\\\/regbu.com\\\/sk\\\/author\\\/george-martin\\\/\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#faq-question-1691421437230\",\"position\":1,\"url\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#faq-question-1691421437230\",\"name\":\"Kolik pen\u011bz si mohu d\u00edky americk\u00e9 hypot\u00e9ce p\u016fj\u010dit?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"To se samoz\u0159ejm\u011b odv\u00edj\u00ed od Va\u0161\u00ed bonity. Z\u00e1rove\u0148 V\u00e1m poskytoval nab\u00eddce maxim\u00e1ln\u011b 70 % hodnoty zastaven\u00e9 nemovitosti.\",\"inLanguage\":\"sk-SK\"},\"inLanguage\":\"sk-SK\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#faq-question-1691421445357\",\"position\":2,\"url\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#faq-question-1691421445357\",\"name\":\"Kdo je poskytovatelem t\u00e9to hypot\u00e9ky?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Jsou to nejenom banky, ale i nebankovn\u00ed spole\u010dnosti.\",\"inLanguage\":\"sk-SK\"},\"inLanguage\":\"sk-SK\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#faq-question-1691421451658\",\"position\":3,\"url\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#faq-question-1691421451658\",\"name\":\"Jak\u00e9 dal\u0161\u00ed klady m\u00e1 americk\u00e1 hypot\u00e9ka?\",\"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\":\"sk-SK\"},\"inLanguage\":\"sk-SK\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#faq-question-1691421458455\",\"position\":4,\"url\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#faq-question-1691421458455\",\"name\":\"M\u00e1 tato hypot\u00e9ka n\u011bjak\u00e9 nev\u00fdhody?\",\"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\":\"sk-SK\"},\"inLanguage\":\"sk-SK\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#faq-question-1691421465095\",\"position\":5,\"url\":\"https:\\\/\\\/regbu.com\\\/sk\\\/americka-hypoteka-od-klasickej-lisy\\\/#faq-question-1691421465095\",\"name\":\"Je mo\u017en\u00e9 zastavenou nemovitost prodat?\",\"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\":\"sk-SK\"},\"inLanguage\":\"sk-SK\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Americk\u00e1 hypot\u00e9ka sa l\u00ed\u0161i od tradi\u010dnej - REGBU.COM","description":"Viete, \u010do si predstavi\u0165 pod pojmom americk\u00e1 hypot\u00e9ka? Nie je to to ist\u00e9 ako be\u017en\u00e1 hypot\u00e9ka od banky.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/","og_locale":"sk_SK","og_type":"article","og_title":"Americk\u00e1 hypot\u00e9ka se od klasick\u00e9 li\u0161\u00ed - REGBU.COM","og_description":"V\u00edte, co si p\u0159edstavit pod pojmem americk\u00e1 hypot\u00e9ka? Nen\u00ed to toti\u017e to sam\u00e9, jako klasick\u00e1 hypot\u00e9ka od banky.","og_url":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/","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":{"Autor":"George Martin","Predpokladan\u00fd \u010das \u010d\u00edtania":"2 min\u00faty"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#article","isPartOf":{"@id":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/"},"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\/sk\/americka-hypoteka-od-klasickej-lisy\/"},"wordCount":453,"image":{"@id":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#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":"sk-SK"},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/","url":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/","name":"Americk\u00e1 hypot\u00e9ka sa l\u00ed\u0161i od tradi\u010dnej - REGBU.COM","isPartOf":{"@id":"https:\/\/regbu.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#primaryimage"},"image":{"@id":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#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":"Viete, \u010do si predstavi\u0165 pod pojmom americk\u00e1 hypot\u00e9ka? Nie je to to ist\u00e9 ako be\u017en\u00e1 hypot\u00e9ka od banky.","breadcrumb":{"@id":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#faq-question-1691421437230"},{"@id":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#faq-question-1691421445357"},{"@id":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#faq-question-1691421451658"},{"@id":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#faq-question-1691421458455"},{"@id":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#faq-question-1691421465095"}],"inLanguage":"sk-SK","potentialAction":[{"@type":"ReadAction","target":["https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/"]}]},{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#primaryimage","url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/americka-hypotka-se-od-klasicke-lisi.jpg","contentUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/americka-hypotka-se-od-klasicke-lisi.jpg","width":1200,"height":676,"caption":"Americk\u00e1 hypot\u00e9ka se od klasick\u00e9 li\u0161\u00ed"},{"@type":"BreadcrumbList","@id":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/regbu.com\/en\/"},{"@type":"ListItem","position":2,"name":"Americk\u00e1 hypot\u00e9ka se od klasick\u00e9 li\u0161\u00ed"}]},{"@type":"WebSite","@id":"https:\/\/regbu.com\/en\/#website","url":"https:\/\/regbu.com\/en\/","name":"REGBU.COM","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/regbu.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"sk-SK"},{"@type":"Person","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e","name":"George Martin","url":"https:\/\/regbu.com\/sk\/author\/george-martin\/"},{"@type":"Question","@id":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#faq-question-1691421437230","position":1,"url":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#faq-question-1691421437230","name":"Ko\u013eko pe\u0148az\u00ed si m\u00f4\u017eem po\u017ei\u010da\u0165 s americkou hypot\u00e9kou?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"To se samoz\u0159ejm\u011b odv\u00edj\u00ed od Va\u0161\u00ed bonity. Z\u00e1rove\u0148 V\u00e1m poskytoval nab\u00eddce maxim\u00e1ln\u011b 70 % hodnoty zastaven\u00e9 nemovitosti.","inLanguage":"sk-SK"},"inLanguage":"sk-SK"},{"@type":"Question","@id":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#faq-question-1691421445357","position":2,"url":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#faq-question-1691421445357","name":"Kto je poskytovate\u013eom tejto hypot\u00e9ky?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Jsou to nejenom banky, ale i nebankovn\u00ed spole\u010dnosti.","inLanguage":"sk-SK"},"inLanguage":"sk-SK"},{"@type":"Question","@id":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#faq-question-1691421451658","position":3,"url":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#faq-question-1691421451658","name":"Ak\u00e9 s\u00fa \u010fal\u0161ie v\u00fdhody americkej hypot\u00e9ky?","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":"sk-SK"},"inLanguage":"sk-SK"},{"@type":"Question","@id":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#faq-question-1691421458455","position":4,"url":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#faq-question-1691421458455","name":"M\u00e1 t\u00e1to hypot\u00e9ka nejak\u00e9 nev\u00fdhody?","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":"sk-SK"},"inLanguage":"sk-SK"},{"@type":"Question","@id":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#faq-question-1691421465095","position":5,"url":"https:\/\/regbu.com\/sk\/americka-hypoteka-od-klasickej-lisy\/#faq-question-1691421465095","name":"Je mo\u017en\u00e9 zastaven\u00fa nehnute\u013enos\u0165 preda\u0165?","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":"sk-SK"},"inLanguage":"sk-SK"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/posts\/1413","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/comments?post=1413"}],"version-history":[{"count":2,"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/posts\/1413\/revisions"}],"predecessor-version":[{"id":1439,"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/posts\/1413\/revisions\/1439"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/media\/1414"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/media?parent=1413"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/categories?post=1413"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/tags?post=1413"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}