[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pimpa.cz\/zamitla-vam-banka-zadost-o-uver-jake-jsou-nejcastejsi-duvody\/#Article","mainEntityOfPage":"https:\/\/www.pimpa.cz\/zamitla-vam-banka-zadost-o-uver-jake-jsou-nejcastejsi-duvody\/","headline":"Zam\u00edtla v\u00e1m banka \u017e\u00e1dost o \u00fav\u011br? Jak\u00e9 jsou nej\u010dast\u011bj\u0161\u00ed d\u016fvody?","name":"Zam\u00edtla v\u00e1m banka \u017e\u00e1dost o \u00fav\u011br? Jak\u00e9 jsou nej\u010dast\u011bj\u0161\u00ed d\u016fvody?","description":"Banka m\u016f\u017ee \u017e\u00e1dost o \u00fav\u011br zam\u00edtnout bez ud\u00e1n\u00ed d\u016fvodu \u017eadateli. V takov\u00e9m p\u0159\u00edpad\u011b mnohdy nezb\u00fdv\u00e1 nic jin\u00e9ho ne\u017e o\u010di pro pl\u00e1\u010d. Diskvalifika\u010dn\u00edch faktor\u016f p\u0159itom m\u016f\u017ee b\u00fdt cel\u00e1 \u0159ada, od pracovn\u00ed smlouvy a\u017e po negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f. V\u00fdsledek \u017e\u00e1dosti tak\u00e9 do zna\u010dn\u00e9 m\u00edry ovliv\u0148uje bonita \u017eadatele. Jak tedy bonitu nav\u00fd\u0161it a zajistit si tak...","datePublished":"2021-05-28","dateModified":"2023-05-22","author":{"@type":"Person","@id":"https:\/\/www.pimpa.cz\/author\/#Person","name":"","url":"https:\/\/www.pimpa.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f08fec9e5d161146672022190172bcb121f980bd7a64f251ea643f4b19d0f071?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f08fec9e5d161146672022190172bcb121f980bd7a64f251ea643f4b19d0f071?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pimpa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pimpa.cz\/wp-content\/uploads\/sjedn%C3%A1n%C3%AD%20hypot%C3%A9ky_10_4.jpg","url":"https:\/\/www.pimpa.cz\/wp-content\/uploads\/sjedn%C3%A1n%C3%AD%20hypot%C3%A9ky_10_4.jpg","height":0,"width":0},"url":"https:\/\/www.pimpa.cz\/zamitla-vam-banka-zadost-o-uver-jake-jsou-nejcastejsi-duvody\/","about":["Pen\u00edze"],"wordCount":417,"articleBody":"   Banka m\u016f\u017ee \u017e\u00e1dost o \u00fav\u011br zam\u00edtnout bez ud\u00e1n\u00ed d\u016fvodu \u017eadateli. V takov\u00e9m p\u0159\u00edpad\u011b mnohdy nezb\u00fdv\u00e1 nic jin\u00e9ho ne\u017e o\u010di pro pl\u00e1\u010d. Diskvalifika\u010dn\u00edch faktor\u016f p\u0159itom m\u016f\u017ee b\u00fdt cel\u00e1 \u0159ada, od pracovn\u00ed smlouvy a\u017e po negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f. V\u00fdsledek \u017e\u00e1dosti tak\u00e9 do zna\u010dn\u00e9 m\u00edry ovliv\u0148uje bonita \u017eadatele. Jak tedy bonitu nav\u00fd\u0161it a zajistit si tak vy\u0161\u0161\u00ed \u0161anci na kladn\u00e9 vy\u0159\u00edzen\u00ed \u00fav\u011bru? Z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bruV sou\u010dasn\u00e9 dob\u011b je na trhu p\u0159ebytek likvidity a p\u0159esto neust\u00e1le p\u0159ib\u00fdv\u00e1 zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. Banky se doslova p\u0159etahuj\u00ed o nov\u00e9 klienty, kter\u00fdm by mohly \u00fav\u011br poskytnout a p\u0159esto odejde spoustu lid\u00ed s nepo\u0159\u00edzenou. Tak v \u010dem tkv\u00ed probl\u00e9m? Za v\u0161\u00edm stoj\u00ed prim\u00e1rn\u011b slo\u017eit\u00e1 legislativa, kter\u00e1 p\u0159esn\u011b definuje, jak\u00e9 podm\u00ednky mus\u00ed \u017eadatel splnit, aby na \u00fav\u011br dos\u00e1hl. Nav\u00edc \u010desk\u00e1 n\u00e1rodn\u00ed banka pravideln\u011b aktualizuje podm\u00ednky pro schv\u00e1len\u00ed \u00fav\u011bru, kter\u00fdm podl\u00e9haj\u00ed v\u0161echny bankovn\u00ed i nebankovn\u00ed subjekty. Pokud by banka lustraci \u017eadatele neprovedla, mohlo by to pro n\u00ed m\u00edt nedoz\u00edrn\u00e9 n\u00e1sledky. Dlu\u017en\u00edk by nebyl povinen platit \u00faroky ani poplatky z prodlen\u00ed a p\u016fj\u010denou \u010d\u00e1stku by spl\u00e1cel dle sv\u00fdch finan\u010dn\u00edch mo\u017enost\u00ed. Je proto zapot\u0159eb\u00ed za zam\u00edtnut\u00fdm \u00fav\u011brem hledat sp\u00ed\u0161e slo\u017eitou legislativu ne\u017e neochotu bank p\u016fj\u010dovat pen\u00edze. Pracovn\u00ed smlouva na dobu ne\/ur\u010ditouDlu\u017en\u00edk dos\u00e1hne na \u00fav\u011br jen za p\u0159edpokladu, \u017ee disponuje pravideln\u00fdm m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmem, ze kter\u00e9ho je mo\u017en\u00e9 odv\u00e1d\u011bt m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. To umo\u017e\u0148uje pracovn\u00ed smlouva na dobu neur\u010ditou, kterou je pot\u0159eba dolo\u017eit bance. V p\u0159\u00edpad\u011b, kdy \u017eadatel disponuje pouze pracovn\u00ed smlouvou na dobu ur\u010ditou, je\u0161t\u011b si nemus\u00ed zoufat. \u00dav\u011br v\u0161ak mus\u00ed b\u00fdt splacen je\u0161t\u011b p\u0159ed koncem vypr\u0161en\u00ed pracovn\u00ed smlouvy. Registry dlu\u017en\u00edk\u016fPokud se \u017eadatel n\u011bkdy v minulosti ocitl v situaci, kdy nebyl schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, jeho \u00fadaje budou figurovat v n\u011bkter\u00e9m z registr\u016f dlu\u017en\u00edk\u016f. Pomoci m\u016f\u017ee nebankovn\u00ed hypot\u00e9ka bez registru, kter\u00e1 je v mnoh\u00fdch ohledech o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Zam\u00edtla v\u00e1m banka \u017e\u00e1dost o \u00fav\u011br? Jak\u00e9 jsou nej\u010dast\u011bj\u0161\u00ed d\u016fvody?","item":"https:\/\/www.pimpa.cz\/zamitla-vam-banka-zadost-o-uver-jake-jsou-nejcastejsi-duvody\/#breadcrumbitem"}]}]