Jaké výhody a nevýhody skýtá americká hypotéka?

object(Sites_model)#2834 (39) {
  ["table"]=>
  string(5) "sites"
  ["files"]=>
  object(Files_model)#2818 (21) {
    ["table"]=>
    string(5) "files"
    ["id_sites"]=>
    string(5) "75731"
    ["lang"]=>
    string(2) "cz"
    ["a"]=>
    array(0) {
    }
    ["id"]=>
    NULL
    ["table_sql"]=>
    NULL
    ["useful_columns"]=>
    array(10) {
      [0]=>
      string(14) "files.id_sites"
      [1]=>
      string(5) "title"
      [2]=>
      string(9) "files.tag"
      [3]=>
      string(13) "`description`"
      [4]=>
      string(7) "inherit"
      [5]=>
      string(13) "url as db_url"
      [6]=>
      string(4) "lang"
      [7]=>
      string(10) "files.list"
      [8]=>
      string(44) "concat('/w/chytrebydleni/files/',url) as url"
      [9]=>
      string(75) "concat('',title,'') as link"
    }
    ["debug"]=>
    NULL
    ["order"]=>
    string(10) "files.list"
    ["limit"]=>
    NULL
    ["limit_offset"]=>
    NULL
    ["where"]=>
    NULL
    ["having"]=>
    NULL
    ["group_by"]=>
    NULL
    ["joins"]=>
    string(50) " join files_desc on files_desc.id_files = files.id"
    ["temp_joins"]=>
    NULL
    ["temp_joins_allowed"]=>
    bool(true)
    ["p_per_page"]=>
    bool(false)
    ["p_total_rows"]=>
    bool(false)
    ["p_prefix"]=>
    string(13) "?pagination=1"
    ["p_suffix"]=>
    string(0) ""
  }
  ["params"]=>
  object(Params_model)#2835 (25) {
    ["id_sites"]=>
    string(5) "75731"
    ["order"]=>
    string(56) "'params_desc.list, params_desc.id, params_values.id asc'"
    ["cached_params"]=>
    array(0) {
    }
    ["return_only_values"]=>
    bool(true)
    ["all_params_where"]=>
    string(0) ""
    ["sites"]=>
    *RECURSION*
    ["last_desc_id"]=>
    int(0)
    ["a"]=>
    array(0) {
    }
    ["id"]=>
    NULL
    ["table"]=>
    string(6) "params"
    ["table_sql"]=>
    NULL
    ["useful_columns"]=>
    array(15) {
      [0]=>
      string(21) "params.id_params_desc"
      [1]=>
      string(23) "params.id_params_values"
      [2]=>
      string(12) "id_relations"
      [3]=>
      string(10) "identifier"
      [4]=>
      string(14) "params.passive"
      [5]=>
      string(10) "selectable"
      [6]=>
      string(6) "public"
      [7]=>
      string(12) "visible_type"
      [8]=>
      string(16) "params_desc.list"
      [9]=>
      string(30) "params_values.list as list_val"
      [10]=>
      string(9) "data_type"
      [11]=>
      string(9) "text_type"
      [12]=>
      string(19) "params_values.value"
      [13]=>
      string(17) "params_desc.param"
      [14]=>
      string(16) "params_desc.unit"
    }
    ["debug"]=>
    NULL
    ["limit"]=>
    NULL
    ["limit_offset"]=>
    NULL
    ["where"]=>
    NULL
    ["having"]=>
    NULL
    ["group_by"]=>
    NULL
    ["joins"]=>
    string(117) " join params_desc on params_desc.id = id_params_desc join params_values on params_values.id = params.id_params_values"
    ["temp_joins"]=>
    NULL
    ["temp_joins_allowed"]=>
    bool(true)
    ["p_per_page"]=>
    bool(false)
    ["p_total_rows"]=>
    bool(false)
    ["p_prefix"]=>
    string(13) "?pagination=1"
    ["p_suffix"]=>
    string(0) ""
  }
  ["comments"]=>
  object(Comments_model)#2836 (33) {
    ["table"]=>
    string(8) "comments"
    ["lang"]=>
    string(2) "cz"
    ["id_sites"]=>
    string(5) "75731"
    ["id_users"]=>
    NULL
    ["additional_url"]=>
    NULL
    ["order_last"]=>
    string(12) "created desc"
    ["paginator"]=>
    string(0) ""
    ["relations_model":protected]=>
    bool(true)
    ["root_relation"]=>
    array(0) {
    }
    ["set_relation"]=>
    bool(true)
    ["offset"]=>
    NULL
    ["range"]=>
    NULL
    ["idr"]=>
    NULL
    ["last_inserted_id"]=>
    NULL
    ["traversal_lft_rgt":"Relations_model":private]=>
    NULL
    ["a"]=>
    array(0) {
    }
    ["id"]=>
    NULL
    ["table_sql"]=>
    NULL
    ["useful_columns"]=>
    array(20) {
      [0]=>
      string(15) "relations.depth"
      [1]=>
      string(19) "relations.id as idr"
      [2]=>
      string(19) "relations.parent_id"
      [3]=>
      string(13) "relations.lft"
      [4]=>
      string(13) "relations.rgt"
      [5]=>
      string(5) "login"
      [6]=>
      string(8) "id_langs"
      [7]=>
      string(8) "id_users"
      [8]=>
      string(3) "ban"
      [9]=>
      string(17) "comments.id_sites"
      [10]=>
      string(6) "author"
      [11]=>
      string(5) "title"
      [12]=>
      string(7) "comment"
      [13]=>
      string(7) "created"
      [14]=>
      string(5) "depth"
      [15]=>
      string(9) "parent_id"
      [16]=>
      string(7) "attach1"
      [17]=>
      string(7) "attach2"
      [18]=>
      string(7) "attach3"
      [19]=>
      string(19) "relations.id as idr"
    }
    ["debug"]=>
    NULL
    ["order"]=>
    string(3) "lft"
    ["limit"]=>
    NULL
    ["limit_offset"]=>
    NULL
    ["where"]=>
    NULL
    ["having"]=>
    NULL
    ["group_by"]=>
    NULL
    ["joins"]=>
    string(103) " LEFT JOIN relations ON relations.id_comments=comments.id LEFT JOIN users ON users.id=comments.id_users"
    ["temp_joins"]=>
    NULL
    ["temp_joins_allowed"]=>
    bool(true)
    ["p_per_page"]=>
    bool(false)
    ["p_total_rows"]=>
    bool(false)
    ["p_prefix"]=>
    string(13) "?pagination=1"
    ["p_suffix"]=>
    string(0) ""
  }
  ["state_context"]=>
  string(5) "admin"
  ["set_relation"]=>
  bool(true)
  ["allowed_state_contexts":"Sites_model":private]=>
  array(6) {
    [0]=>
    string(5) "admin"
    [1]=>
    string(10) "navigation"
    [2]=>
    string(8) "articles"
    [3]=>
    string(3) "all"
    [4]=>
    string(6) "active"
    [5]=>
    string(9) "published"
  }
  ["lang"]=>
  string(2) "cz"
  ["translations":"Sites_model":private]=>
  NULL
  ["cache":"Sites_model":private]=>
  array(0) {
  }
  ["url_prefix"]=>
  string(0) ""
  ["relations_model":protected]=>
  bool(true)
  ["root_relation"]=>
  array(10) {
    ["id"]=>
    string(3) "687"
    ["id_sites"]=>
    string(3) "280"
    ["id_comments"]=>
    NULL
    ["id_tests"]=>
    NULL
    ["parent_id"]=>
    string(1) "1"
    ["table"]=>
    string(5) "sites"
    ["list"]=>
    string(2) "12"
    ["depth"]=>
    string(1) "1"
    ["lft"]=>
    string(5) "30962"
    ["rgt"]=>
    string(5) "40307"
  }
  ["offset"]=>
  NULL
  ["range"]=>
  NULL
  ["idr"]=>
  string(6) "162475"
  ["last_inserted_id"]=>
  NULL
  ["traversal_lft_rgt":"Relations_model":private]=>
  NULL
  ["a"]=>
  array(13) {
    ["depth"]=>
    string(1) "4"
    ["idr"]=>
    string(6) "162475"
    ["parent_id"]=>
    string(4) "1508"
    ["lft"]=>
    string(5) "35673"
    ["rgt"]=>
    string(5) "35674"
    ["title"]=>
    string(52) "Zájem o hypotéky stále klesá. Proč tomu tak je?"
    ["redirect"]=>
    string(1) "0"
    ["published_at"]=>
    string(19) "2019-09-20 10:04:00"
    ["republished"]=>
    string(19) "2019-09-20 10:09:00"
    ["tags"]=>
    string(10) "#pujckaco#"
    ["id_states_desc"]=>
    string(1) "1"
    ["type"]=>
    string(7) "article"
    ["id"]=>
    string(5) "75731"
  }
  ["id"]=>
  string(5) "75731"
  ["table_sql"]=>
  NULL
  ["useful_columns"]=>
  array(12) {
    [0]=>
    string(15) "relations.depth"
    [1]=>
    string(19) "relations.id as idr"
    [2]=>
    string(19) "relations.parent_id"
    [3]=>
    string(13) "relations.lft"
    [4]=>
    string(13) "relations.rgt"
    [5]=>
    string(24) "t_parts.content as title"
    [6]=>
    string(38) "IFNULL(r_parts.content, 0) as redirect"
    [7]=>
    string(19) "states.published_at"
    [8]=>
    string(18) "states.republished"
    [9]=>
    string(10) "sites.tags"
    [10]=>
    string(21) "states.id_states_desc"
    [11]=>
    string(4) "type"
  }
  ["debug"]=>
  NULL
  ["order"]=>
  string(17) "published_at desc"
  ["limit"]=>
  string(0) ""
  ["limit_offset"]=>
  NULL
  ["where"]=>
  string(0) ""
  ["having"]=>
  string(0) ""
  ["group_by"]=>
  string(0) ""
  ["joins"]=>
  string(106) " LEFT JOIN relations ON relations.id_sites=sites.id LEFT JOIN states as sttat ON sttat.id_sites = sites.id"
  ["temp_joins"]=>
  string(0) ""
  ["temp_joins_allowed"]=>
  bool(true)
  ["p_per_page"]=>
  bool(false)
  ["p_total_rows"]=>
  bool(false)
  ["p_prefix"]=>
  string(13) "?pagination=1"
  ["p_suffix"]=>
  string(0) ""
  ["questionnaires"]=>
  object(Questionnaires_model)#2837 (22) {
    ["table"]=>
    string(14) "questionnaires"
    ["id_sites"]=>
    string(5) "75731"
    ["id_sites_parts"]=>
    NULL
    ["lang"]=>
    string(2) "cz"
    ["a"]=>
    array(0) {
    }
    ["id"]=>
    NULL
    ["table_sql"]=>
    NULL
    ["useful_columns"]=>
    array(0) {
    }
    ["debug"]=>
    NULL
    ["order"]=>
    NULL
    ["limit"]=>
    NULL
    ["limit_offset"]=>
    NULL
    ["where"]=>
    NULL
    ["having"]=>
    NULL
    ["group_by"]=>
    NULL
    ["joins"]=>
    NULL
    ["temp_joins"]=>
    NULL
    ["temp_joins_allowed"]=>
    bool(true)
    ["p_per_page"]=>
    bool(false)
    ["p_total_rows"]=>
    bool(false)
    ["p_prefix"]=>
    string(13) "?pagination=1"
    ["p_suffix"]=>
    string(0) ""
  }
  ["accesses"]=>
  object(Accesses_model)#2838 (21) {
    ["table"]=>
    string(12) "sites_access"
    ["id_sites"]=>
    string(5) "75731"
    ["lang"]=>
    string(2) "cz"
    ["a"]=>
    array(0) {
    }
    ["id"]=>
    NULL
    ["table_sql"]=>
    NULL
    ["useful_columns"]=>
    array(0) {
    }
    ["debug"]=>
    NULL
    ["order"]=>
    NULL
    ["limit"]=>
    NULL
    ["limit_offset"]=>
    NULL
    ["where"]=>
    NULL
    ["having"]=>
    NULL
    ["group_by"]=>
    NULL
    ["joins"]=>
    NULL
    ["temp_joins"]=>
    NULL
    ["temp_joins_allowed"]=>
    bool(true)
    ["p_per_page"]=>
    bool(false)
    ["p_total_rows"]=>
    bool(false)
    ["p_prefix"]=>
    string(13) "?pagination=1"
    ["p_suffix"]=>
    string(0) ""
  }
  ["academy"]=>
  object(Academy_model)#2839 (21) {
    ["id_sites"]=>
    string(5) "75731"
    ["table"]=>
    string(17) "academy_questions"
    ["answers"]=>
    object(Base_model)#2840 (19) {
      ["a"]=>
      array(0) {
      }
      ["id"]=>
      NULL
      ["table"]=>
      string(15) "academy_answers"
      ["table_sql"]=>
      NULL
      ["useful_columns"]=>
      array(1) {
        [0]=>
        string(1) "*"
      }
      ["debug"]=>
      NULL
      ["order"]=>
      NULL
      ["limit"]=>
      NULL
      ["limit_offset"]=>
      NULL
      ["where"]=>
      NULL
      ["having"]=>
      NULL
      ["group_by"]=>
      NULL
      ["joins"]=>
      NULL
      ["temp_joins"]=>
      NULL
      ["temp_joins_allowed"]=>
      bool(true)
      ["p_per_page"]=>
      bool(false)
      ["p_total_rows"]=>
      bool(false)
      ["p_prefix"]=>
      string(13) "?pagination=1"
      ["p_suffix"]=>
      string(0) ""
    }
    ["a"]=>
    array(0) {
    }
    ["id"]=>
    NULL
    ["table_sql"]=>
    NULL
    ["useful_columns"]=>
    array(1) {
      [0]=>
      string(1) "*"
    }
    ["debug"]=>
    NULL
    ["order"]=>
    NULL
    ["limit"]=>
    NULL
    ["limit_offset"]=>
    NULL
    ["where"]=>
    NULL
    ["having"]=>
    NULL
    ["group_by"]=>
    NULL
    ["joins"]=>
    NULL
    ["temp_joins"]=>
    NULL
    ["temp_joins_allowed"]=>
    bool(true)
    ["p_per_page"]=>
    bool(false)
    ["p_total_rows"]=>
    bool(false)
    ["p_prefix"]=>
    string(13) "?pagination=1"
    ["p_suffix"]=>
    string(0) ""
  }
}

Zájem o hypotéky stále klesá. Proč tomu tak je?

Ačkoli hypotéky už přibližně půl roku zlevňují, zájem o ně…