[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.svey.cz\/nejcastejsi-duvody-pro-zamitnuti-bankovniho-uveru\/#Article","mainEntityOfPage":"https:\/\/www.svey.cz\/nejcastejsi-duvody-pro-zamitnuti-bankovniho-uveru\/","headline":"Nej\u010dast\u011bj\u0161\u00ed d\u016fvody pro zam\u00edtnut\u00ed bankovn\u00edho \u00fav\u011bru","name":"Nej\u010dast\u011bj\u0161\u00ed d\u016fvody pro zam\u00edtnut\u00ed bankovn\u00edho \u00fav\u011bru","description":"Banka m\u016f\u017ee \u00fav\u011br zam\u00edtnout z cel\u00e9 \u0159ady d\u016fvod\u016f. V n\u011bkter\u00fdch p\u0159\u00edpadech se jedn\u00e1 o mali\u010dkosti, jako jsou nesrovnalosti v dokumentech a lze po\u017e\u00e1dat znovu, jindy se ale jedn\u00e1 o z\u00e1va\u017en\u00e9 skute\u010dnosti. Na trhu je v sou\u010dasn\u00e9 dob\u011b p\u0159ebytek likvidity, to znamen\u00e1 jedin\u00e9, banky se doslova p\u0159edh\u00e1n\u011bn\u00ed v nov\u00fdch a v\u00fdhodn\u011bj\u0161\u00edch nab\u00eddk\u00e1ch \u00fav\u011br\u016f a bojuj\u00ed doslova o ka\u017ed\u00e9ho nov\u00e9ho klienta. Na … ","datePublished":"2021-05-28","dateModified":"2021-05-28","author":{"@type":"Person","@id":"https:\/\/www.svey.cz\/author\/#Person","name":"svey.cz","url":"https:\/\/www.svey.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0c4621640b5c0734669aeb181ef77969b528487727344f28e734a206566ea0f1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0c4621640b5c0734669aeb181ef77969b528487727344f28e734a206566ea0f1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"svey.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.svey.cz\/wp-content\/uploads\/osobn%C3%AD%20sch%C5%AFzka_1.jpg","url":"https:\/\/www.svey.cz\/wp-content\/uploads\/osobn%C3%AD%20sch%C5%AFzka_1.jpg","height":0,"width":0},"url":"https:\/\/www.svey.cz\/nejcastejsi-duvody-pro-zamitnuti-bankovniho-uveru\/","about":["Finance"],"wordCount":412,"articleBody":"       Banka m\u016f\u017ee \u00fav\u011br zam\u00edtnout z cel\u00e9 \u0159ady d\u016fvod\u016f. V n\u011bkter\u00fdch p\u0159\u00edpadech se jedn\u00e1 o mali\u010dkosti, jako jsou nesrovnalosti v dokumentech a lze po\u017e\u00e1dat znovu, jindy se ale jedn\u00e1 o z\u00e1va\u017en\u00e9 skute\u010dnosti. Na trhu je v sou\u010dasn\u00e9 dob\u011b p\u0159ebytek likvidity, to znamen\u00e1 jedin\u00e9, banky se doslova p\u0159edh\u00e1n\u011bn\u00ed v nov\u00fdch a v\u00fdhodn\u011bj\u0161\u00edch nab\u00eddk\u00e1ch \u00fav\u011br\u016f a bojuj\u00ed doslova o ka\u017ed\u00e9ho nov\u00e9ho klienta. Na druh\u00e9 stran\u011b je tu ale \u010cesk\u00e1 n\u00e1rodn\u00ed banka a novela spot\u0159ebitelsk\u00e9ho z\u00e1kona, kter\u00e9 p\u0159esn\u011b vymezuje podm\u00ednky po z\u00edsk\u00e1n\u00ed \u00fav\u011bru. Ty se ka\u017ed\u00fdm rokem zp\u0159\u00eds\u0148uj\u00ed a dos\u00e1hnout na \u00fav\u011brov\u00e9 produkty je rok od roku t\u011b\u017e\u0161\u00ed. Za zam\u00edtnut\u00fdmi \u00fav\u011bry tak mnohdy stoj\u00ed pr\u00e1v\u011b slo\u017eit\u00e1 legislativa, nikoliv neochota bank p\u016fj\u010dovat. Poj\u010fme se te\u010f pod\u00edvat na nej\u010dast\u011bj\u0161\u00ed d\u016fvody, pro kter\u00e9 banky \u017e\u00e1dosti zam\u00edtaj\u00ed.P\u0159\u00edjemN\u00edzk\u00fd p\u0159\u00edjem je v mnoha ohledech velmi limituj\u00edc\u00ed, jinak tomu nen\u00ed ani v p\u0159\u00edpad\u011b, kdy chceme \u017e\u00e1dat banku o \u00fav\u011br. P\u0159\u00edjem je jeden z kl\u00ed\u010dov\u00fdch faktor\u016f, kter\u00fd ovliv\u0148uje v\u00fd\u0161i bonity \u017eadatele. Pokud je p\u0159\u00edli\u0161 n\u00edzk\u00e1, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed odch\u00e1z\u00ed \u017eadatel z banky s nepo\u0159\u00edzenou. P\u0159\u00edjem je zapot\u0159eb\u00ed dolo\u017eit za pomoci pracovn\u00ed smlouvy na dobu neur\u010ditou. V p\u0159\u00edpad\u011b, kdy \u017eadatel takovou smlouvu dolo\u017eit nem\u016f\u017ee a nap\u0159\u00edklad p\u0159\u00edjmy nepoch\u00e1z\u00ed se samostatn\u011b v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti nebo pron\u00e1jmu nemovitosti, z\u00edskat \u00fav\u011br bude jen velmi obt\u00ed\u017en\u00e9. V p\u0159\u00edpad\u011b, kdy se \u017eadatel nach\u00e1z\u00ed v situaci, kdy je v pr\u00e1ci zam\u011bstn\u00e1n ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b, \u00fav\u011br mu \u017e\u00e1dn\u00e1 banka neschv\u00e1l\u00ed. Registr dlu\u017en\u00edk\u016fNegativn\u00ed z\u00e1znamy v registrech dlu\u017en\u00edk\u016f jsou \u010dast\u00fdm probl\u00e9mem, se kter\u00fdm se banky s ur\u010ditou pravidelnost\u00ed mus\u00ed pot\u00fdkat. Takov\u00fd \u017eadatel pro banku p\u0159edstavuje p\u0159\u00edli\u0161 vysok\u00e9 riziko, kter\u00e9 by se j\u00ed ve v\u00fdsledku mohlo velmi prodra\u017eit. Nebankovn\u00ed spole\u010dnosti jsou v\u0161ak v tomto pohledu o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed a krom rychl\u00fdm spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f nab\u00edz\u00ed t\u0159eba hypot\u00e9ku bez registru a dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f.                                                                                                                                                                                                                                                                                                                                                                                           4.4\/5 - (17 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nej\u010dast\u011bj\u0161\u00ed d\u016fvody pro zam\u00edtnut\u00ed bankovn\u00edho \u00fav\u011bru","item":"https:\/\/www.svey.cz\/nejcastejsi-duvody-pro-zamitnuti-bankovniho-uveru\/#breadcrumbitem"}]}]