[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.nanovy.cz\/duvody-ktere-vedou-banku-k-zamitnuti-uveru\/#Article","mainEntityOfPage":"https:\/\/www.nanovy.cz\/duvody-ktere-vedou-banku-k-zamitnuti-uveru\/","headline":"D\u016fvody, kter\u00e9 vedou banku k zam\u00edtnut\u00ed \u00fav\u011bru","name":"D\u016fvody, kter\u00e9 vedou banku k zam\u00edtnut\u00ed \u00fav\u011bru","description":"Banka m\u016f\u017ee \u017e\u00e1dost o \u00fav\u011br zam\u00edtnout z cel\u00e9 \u0159ady d\u016fvod\u016f. N\u011bkolik z\u00e1kladn\u00edch definuje z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru a dal\u0161\u00ed mohou vych\u00e1zet p\u0159\u00edmo z intern\u00edch na\u0159\u00edzen\u00ed banky. Poj\u010fme se pod\u00edvat na n\u011bkolik z\u00e1kladn\u00edch a nepr\u016fst\u0159eln\u00fdch, kter\u00e9 zhat\u00ed \u017e\u00e1dost o \u00fav\u011br v ka\u017ed\u00e9 bance. Mezi ty nejp\u00e1dn\u011bj\u0161\u00ed pat\u0159\u00ed negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f, p\u0159\u00edli\u0161 mal\u00fd p\u0159\u00edjem nebo […]","datePublished":"2021-05-28","dateModified":"2021-05-28","author":{"@type":"Person","@id":"https:\/\/www.nanovy.cz\/author\/#Person","name":"","url":"https:\/\/www.nanovy.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4006af731f458a56e90e1a4ecbb37f08f11b51b80cb9267b6a6e5547922ff49d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4006af731f458a56e90e1a4ecbb37f08f11b51b80cb9267b6a6e5547922ff49d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"nanovy.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.nanovy.cz\/wp-content\/uploads\/smlouva%20k%20podeps%C3%A1n%C3%AD_6.jpg","url":"https:\/\/www.nanovy.cz\/wp-content\/uploads\/smlouva%20k%20podeps%C3%A1n%C3%AD_6.jpg","height":0,"width":0},"url":"https:\/\/www.nanovy.cz\/duvody-ktere-vedou-banku-k-zamitnuti-uveru\/","about":["Www"],"wordCount":437,"articleBody":"       Banka m\u016f\u017ee \u017e\u00e1dost o \u00fav\u011br zam\u00edtnout z cel\u00e9 \u0159ady d\u016fvod\u016f. N\u011bkolik z\u00e1kladn\u00edch definuje z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru a dal\u0161\u00ed mohou vych\u00e1zet p\u0159\u00edmo z intern\u00edch na\u0159\u00edzen\u00ed banky. Poj\u010fme se pod\u00edvat na n\u011bkolik z\u00e1kladn\u00edch a nepr\u016fst\u0159eln\u00fdch, kter\u00e9 zhat\u00ed \u017e\u00e1dost o \u00fav\u011br v ka\u017ed\u00e9 bance. Mezi ty nejp\u00e1dn\u011bj\u0161\u00ed pat\u0159\u00ed negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f, p\u0159\u00edli\u0161 mal\u00fd p\u0159\u00edjem nebo pracovn\u00ed smlouva. Zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed o \u00fav\u011br st\u00e1le p\u0159ib\u00fdv\u00e1 a nic na tom nem\u011bn\u00ed fakt, \u017ee na trhu je v sou\u010dasn\u00e9 dob\u011b p\u0159ebytek likvidity. Banky doslova bojuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta a p\u0159ich\u00e1z\u00ed s v\u00fdhodn\u011bj\u0161\u00edmi nab\u00eddkami, d\u00edky kter\u00fdm by p\u0159edehnaly konkurenci. Proti nim ov\u0161em stoj\u00ed slo\u017eit\u00e1 legislativa, kter\u00e1 bank\u00e1m na\u0159izuje d\u016fkladnou lustraci klient\u016f je\u0161t\u011b p\u0159ed schv\u00e1len\u00edm \u00fav\u011bru. Diskvalifika\u010dn\u00edm faktorem p\u0159i \u017e\u00e1dosti o \u00fav\u011br p\u0159itom m\u016f\u017ee b\u00fdt cel\u00e1 \u0159ada. V n\u011bkter\u00fdch p\u0159\u00edpadech se jedn\u00e1 o drobnosti, jindy jsou na vin\u011b z\u00e1va\u017en\u00e9 skute\u010dnosti. Pokud by banky tak neu\u010dinily, smlouva by pozd\u011bji mohla b\u00fdt napadnuteln\u00e1 pro jej\u00ed neplatnost. Dlu\u017en\u00edk by nemusel platit \u017e\u00e1dn\u00e9 \u00faroky a spl\u00e1cet dle sv\u00fdch finan\u010dn\u00edch mo\u017enost\u00ed. Za zam\u00edtnut\u00fdm \u00fav\u011brem je tak sp\u00ed\u0161e zapot\u0159eb\u00ed hledat slo\u017eitou legislativu a ne neochotu bank p\u016fj\u010dovat. Je pochopiteln\u00e9, \u017ee po \u017eadateli je po\u017eadov\u00e1n pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem, d\u00edky kter\u00e9mu bude m\u00edt banka z\u00e1ruku, \u017ee bude \u00fav\u011br spl\u00e1cen. P\u0159\u00edjmy mohou poch\u00e1zet ze zam\u011bstn\u00e1n\u00ed, samostatn\u011b v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti nebo pron\u00e1jmu. Jin\u00e9 p\u0159\u00edjmy pov\u011bt\u0161inou bankou akceptov\u00e1ny nejsou. P\u0159\u00edjmy ze zam\u011bstn\u00e1n\u00ed je zapot\u0159eb\u00ed dolo\u017eit pracovn\u00ed smlouvou, ide\u00e1ln\u011b na dobu neur\u010ditou. \u017dadatel nesm\u00ed b\u00fdt ve v\u00fdpov\u011bdn\u00ed nebo zku\u0161ebn\u00ed lh\u016ft\u011b a p\u0159\u00edjmy mus\u00ed dok\u00e1zat odpov\u00eddaj\u00edc\u00edm zp\u016fsobem. Existuje v\u0161ak cel\u00e1 \u0159ada nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e1 po \u017eadateli dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f nevy\u017eaduje. Sly\u0161eli jste t\u0159eba nap\u0159\u00edklad o hypot\u00e9ce bez dolo\u017een\u00ed p\u0159\u00edjmu Fahd.cz?D\u016fle\u017eit\u00e1 je ale i platebn\u00ed minulost, kterou mohou banky i nebankovn\u00ed spole\u010dnosti snadno dohledat pomoc\u00ed nejr\u016fzn\u011bj\u0161\u00edch registr\u016f dlu\u017en\u00edk\u016f.                                                                                                                                                                                                                                                                                                                                                                                           4.4\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"D\u016fvody, kter\u00e9 vedou banku k zam\u00edtnut\u00ed \u00fav\u011bru","item":"https:\/\/www.nanovy.cz\/duvody-ktere-vedou-banku-k-zamitnuti-uveru\/#breadcrumbitem"}]}]