[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cmsozzn.cz\/casovana-bomba-jmenem-americky-hypotecni-trh\/#Article","mainEntityOfPage":"https:\/\/www.cmsozzn.cz\/casovana-bomba-jmenem-americky-hypotecni-trh\/","headline":"\u010casovan\u00e1 bomba jm\u00e9nem americk\u00fd hypote\u010dn\u00ed trh","name":"\u010casovan\u00e1 bomba jm\u00e9nem americk\u00fd hypote\u010dn\u00ed trh","description":"Pravd\u011bpodobnost, \u017ee dojde k dal\u0161\u00ed recesi je vysok\u00e1 a pokud by k n\u00ed do\u0161lo \u010di bude je\u0161t\u011b v\u011bt\u0161\u00ed procento lid\u00ed, kte\u0159\u00ed spl\u00e1c\u00ed hypot\u00e9ky, je jist\u00e9, \u017ee finan\u010dn\u00ed syst\u00e9m m\u016f\u017ee zaznamenat op\u011bt hypote\u010dn\u00ed krizi. Jak bylo uvedeno v m\u00e9di\u00edch, probl\u00e9mem je rostouc\u00ed segment trhu s hypot\u00e9kami, kter\u00e9 financuj\u00ed nebankovn\u00ed poskytovatel\u00e9 \u00fav\u011br\u016f. To jsou takov\u00e9...","datePublished":"2025-02-25","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.cmsozzn.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.cmsozzn.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cmsozzn.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cmsozzn.cz\/wp-content\/uploads\/img_a315425_w2531_t1526311723.jpg","url":"https:\/\/www.cmsozzn.cz\/wp-content\/uploads\/img_a315425_w2531_t1526311723.jpg","height":0,"width":0},"url":"https:\/\/www.cmsozzn.cz\/casovana-bomba-jmenem-americky-hypotecni-trh\/","wordCount":387,"articleBody":"Pravd\u011bpodobnost, \u017ee dojde k dal\u0161\u00ed recesi je vysok\u00e1 a pokud by k n\u00ed do\u0161lo \u010di bude je\u0161t\u011b v\u011bt\u0161\u00ed procento lid\u00ed, kte\u0159\u00ed spl\u00e1c\u00ed hypot\u00e9ky, je jist\u00e9, \u017ee finan\u010dn\u00ed syst\u00e9m m\u016f\u017ee zaznamenat op\u011bt hypote\u010dn\u00ed krizi.Jak bylo uvedeno v m\u00e9di\u00edch, probl\u00e9mem je rostouc\u00ed segment trhu s hypot\u00e9kami, kter\u00e9 financuj\u00ed nebankovn\u00ed poskytovatel\u00e9 \u00fav\u011br\u016f. To jsou takov\u00e9 instituce, kter\u00e9 nab\u00edz\u00ed spot\u0159ebitelsk\u00e9 \u00fav\u011bry, ale ji\u017e neposkytuj\u00ed spo\u0159\u00edc\u00ed \u010di kontroln\u00ed \u00fa\u010dty. Na tyto alternativn\u00ed poskytovatele se obracej\u00ed hlavn\u011b dlu\u017en\u00edci, kte\u0159\u00ed maj\u00ed n\u00edzkou \u0161anci z\u00edskat \u00fav\u011br v tradi\u010dn\u00edch bank\u00e1ch. Sice takov\u00ed v\u011b\u0159itel\u00e9 podl\u00e9haj\u00ed men\u0161\u00ed regulaci, zato jsou mnohem zraniteln\u011bj\u0161\u00ed. Pr\u00e1v\u011b proto je mnohem v\u00edce postihuj\u00ed hromad\u00edc\u00ed se dlu\u017en\u00edci, kte\u0159\u00ed nejsou schopni spl\u00e1cet svoje z\u00e1vazky.Pokud dojde k avizovan\u00e9mu kolapsu sektoru nebankovn\u00edch hypot\u00e9k, m\u016f\u017ee americkou vl\u00e1du postihnout obrovsk\u00e1 \u0161koda a n\u00e1klady na \u0159e\u0161en\u00ed situace. Dva roky zp\u00e1tky byla toti\u017e situace takov\u00e1, \u017ee nebankovn\u00ed finan\u010dn\u00ed instituce v USA poskytly skoro polovinu v\u0161ech hypot\u00e9k. Bohu\u017eel tyto men\u0161\u00ed nebankovn\u00ed instituce nemaj\u00ed dostatek zdroj\u016f na to, aby mohly vyvolat ekonomick\u00fd \u0161ok na trhu s hypot\u00e9kami. T\u00edm je my\u0161leno nap\u0159\u00edklad zp\u016fsoben\u00ed n\u00e1r\u016fstu \u00farokov\u00fdch sazeb \u010di pokles cen nemovitost\u00ed.Nebankovn\u00ed subjekty maj\u00ed nav\u00edc mo\u017enost p\u016fj\u010dovat lidem, kte\u0159\u00ed jsou nespolehliv\u00ed a je zde u nich velk\u00e1 pravd\u011bpodobnost, \u017ee \u00fav\u011br v\u016fbec nebudou schopni splatit.V\u00edte, co se stane, kdy\u017e \u00farokov\u00e9 sazby rostou a nebankovn\u00ed v\u00fdnosy klesaj\u00ed? Na tuto ot\u00e1zku toti\u017e neexistuje odpov\u011b\u010f, kter\u00e1 by n\u00e1s mohla uklidnit.V ka\u017ed\u00e9m p\u0159\u00edpad\u011b cel\u00e1 tato situace je je\u0161t\u011b v\u00edce sm\u011b\u0159ov\u00e1na k tomu, \u017ee prost\u011b bouchne a to z toho d\u016fvodu, \u017ee vl\u00e1da a regul\u00e1tor spole\u010dn\u011b se z\u00e1konod\u00e1rci nyn\u00ed d\u011blaj\u00ed krky k tomu, aby mohli prov\u00e9st reformu americk\u00e9ho trhu s bydlen\u00edm.Jak\u00fd bude dal\u0161\u00ed v\u00fdvoj na americk\u00e9m trhu s hypot\u00e9kami je tedy t\u00e9m\u011b\u0159 jasn\u00e9. Te\u010f je t\u0159eba se na to p\u0159ipravit a nebo je\u0161t\u011b v posledn\u00ed chv\u00edli spr\u00e1vn\u011b zakro\u010dit.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010casovan\u00e1 bomba jm\u00e9nem americk\u00fd hypote\u010dn\u00ed trh","item":"https:\/\/www.cmsozzn.cz\/casovana-bomba-jmenem-americky-hypotecni-trh\/#breadcrumbitem"}]}]