[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.daas.cz\/v-cem-spociva-australska-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.daas.cz\/v-cem-spociva-australska-hypoteka\/","headline":"V \u010dem spo\u010d\u00edv\u00e1 australsk\u00e1 hypot\u00e9ka?","name":"V \u010dem spo\u010d\u00edv\u00e1 australsk\u00e1 hypot\u00e9ka?","description":"Jednodu\u0161e by se dala popsat jako kombinace \u00fa\u010delov\u00e9ho a ne\u00fa\u010delov\u00e9ho hypote\u010dn\u00edho \u00fav\u011bru. To znamen\u00e1, \u017ee finance takto z\u00edskan\u00e9 m\u016f\u017eete vyu\u017e\u00edt prakticky na cokoli. Stejn\u011b jako jin\u00e9 druhy p\u016fj\u010dek i tato slibuje klient\u016fm, kte\u0159\u00ed si ji<a class=\"moretag\" href=\"https:\/\/www.daas.cz\/v-cem-spociva-australska-hypoteka\/\"> Read more&hellip;<\/a>","datePublished":"2019-04-12","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.daas.cz\/author\/#Person","name":"","url":"https:\/\/www.daas.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"daas.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.daas.cz\/wp-content\/uploads\/img_a343454_w2395_t1556515187.jpg","url":"https:\/\/www.daas.cz\/wp-content\/uploads\/img_a343454_w2395_t1556515187.jpg","height":0,"width":0},"url":"https:\/\/www.daas.cz\/v-cem-spociva-australska-hypoteka\/","wordCount":421,"articleBody":"\tJednodu\u0161e by se dala popsat jako kombinace \u00fa\u010delov\u00e9ho a ne\u00fa\u010delov\u00e9ho hypote\u010dn\u00edho \u00fav\u011bru. To znamen\u00e1, \u017ee finance takto z\u00edskan\u00e9 m\u016f\u017eete vyu\u017e\u00edt prakticky na cokoli. Stejn\u011b jako jin\u00e9 druhy p\u016fj\u010dek i tato slibuje klient\u016fm, kte\u0159\u00ed si ji vyberou, n\u011bco nav\u00edc. V\u00a0tomto p\u0159\u00edpad\u011b \u00fa\u017easn\u00e9 \u00faroky. Je to ale pravda? Je opravdu tak v\u00fdhodn\u00e1, tak se na prvn\u00ed pohled zd\u00e1?\t\u00a0\tCo m\u016f\u017eete o\u010dek\u00e1vat?Na na\u0161em pen\u011b\u017en\u00edm trhu najdete spoustu mo\u017enost\u00ed, jak sehnat od banky pen\u00edze. M\u00e1te k\u00a0dispozici spot\u0159ebitelsk\u00e9 p\u016fj\u010dky, b\u011b\u017en\u00e9 i netradi\u010dn\u00ed formy hypot\u00e9ky, kterou je nap\u0159\u00edklad americk\u00e1 hypot\u00e9ka. A samoz\u0159ejm\u011b mnoho dal\u0161\u00edho. Spot\u0159ebitelsk\u00e1 varianta je nejb\u011b\u017en\u011bj\u0161\u00ed v\u00a0p\u0159\u00edpad\u011b, \u017ee si chcete p\u016fj\u010dit na dovolenou, svatbu nebo d\u00e1rky k\u00a0V\u00e1noc\u016fm. \u00daroky tam ale nejp\u0159\u00edzniv\u011bj\u0161\u00ed nejsou. Jak je to u australsk\u00e9?\u00a0Hlavn\u00edm, marketingov\u00fdm tah\u00e1kem je to, \u017ee \u010d\u00edm v\u00edc si p\u016fj\u010d\u00edte, t\u00edm ni\u017e\u0161\u00ed \u00faroky m\u00e1te. To vypad\u00e1 kr\u00e1sn\u011b, ale tak r\u016f\u017eov\u00e9 to nen\u00ed. Maxim\u00e1ln\u00ed sleva je ov\u0161em zafixovan\u00e1, a to hodnotou 0,4 procent. Kdy\u017e za\u017e\u00e1d\u00e1te o \u010d\u00e1stku do 70 procent pot\u0159ebn\u00e9 hodnoty, neplat\u00edte \u017e\u00e1dn\u00e9 poplatky. V\u00a0p\u0159\u00edpad\u011b \u00fav\u011bru do 85 procent z\u00e1stavn\u00ed hodnoty nemovitosti mus\u00edte uhradit poplatek 2\u00a0900 K\u010d.\u00a0\tZ\u00e1le\u017e\u00ed, na co pen\u00edze pot\u0159ebujeteTento typ \u00fav\u011bru se m\u016f\u017ee hodn\u011b vyplatit. Ale tak\u00e9 prodra\u017eit. Hodn\u011b z\u00e1le\u017e\u00ed na tom, jak\u00e9 pl\u00e1ny s\u00a0financemi m\u00e1te. Pro\u010d? Pokud si chcete po\u0159\u00eddit vlastn\u00ed nemovitost, tak to nen\u00ed nejvhodn\u011bj\u0161\u00ed mo\u017enost. Jde toti\u017e rozhodn\u011b o dra\u017e\u0161\u00ed typ, ne\u017e jsou ty b\u011b\u017en\u00e9.\u00a0Na druhou stranu se ale jedn\u00e1 o nejlevn\u011bj\u0161\u00ed variantu pro ty, kte\u0159\u00ed by cht\u011bli spot\u0159ebitelsk\u00fd \u00fav\u011br. Spot\u0159ebitelsk\u00e9 varianty maj\u00ed skute\u010dn\u011b vysok\u00e9 \u00farokov\u00e9 sazby, tedy s\u00a0v\u00fdjimkou pen\u011bz poskytnut\u00fdch spole\u010dnost\u00ed Zonky, kde lid\u00e9 p\u016fj\u010duj\u00ed lidem. Tam jsou \u00faroky ni\u017e\u0161\u00ed.\u00a0\tDal\u0161\u00ed v\u00fdhodyObrovsk\u00fdm pozitivem je pr\u00e1v\u011b fakt, \u017ee jde o ne\u00fa\u010delovou variantu. M\u016f\u017eete si tak po\u017e\u00e1dat o finance na nov\u00fd rodinn\u00fd domek a z\u00e1rove\u0148 ho i vybavit. To se vyplat\u00ed v\u00edc ne\u017e podepsat dv\u011b r\u016fzn\u00e9 smlouvy, p\u0159\u00edpadn\u011b je\u0161t\u011b u dvou r\u016fzn\u00fdch bank. Zajist\u011bte si pen\u00edze z\u00a0jednoho zdroje a m\u016f\u017eete je\u0161t\u011b u\u0161et\u0159it                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V \u010dem spo\u010d\u00edv\u00e1 australsk\u00e1 hypot\u00e9ka?","item":"https:\/\/www.daas.cz\/v-cem-spociva-australska-hypoteka\/#breadcrumbitem"}]}]