[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.innovatio.cz\/nejcastejsi-duvody-pro-zamitnuti-uveru\/#Article","mainEntityOfPage":"https:\/\/www.innovatio.cz\/nejcastejsi-duvody-pro-zamitnuti-uveru\/","headline":"Nej\u010dast\u011bj\u0161\u00ed d\u016fvody pro zam\u00edtnut\u00ed \u00fav\u011bru","name":"Nej\u010dast\u011bj\u0161\u00ed d\u016fvody pro zam\u00edtnut\u00ed \u00fav\u011bru","description":"Zam\u00edtla v\u00e1m banka \u017e\u00e1dost o \u00fav\u011br, ve kter\u00fd jste tolik doufali? Nepropadejte zoufalstv\u00ed, podobn\u00fdch p\u0159\u00edb\u011bh\u016f je cel\u00e1 \u0159ada. N\u011bkdy m\u016f\u017ee…","datePublished":"2021-02-19","dateModified":"2023-06-06","author":{"@type":"Person","@id":"https:\/\/www.innovatio.cz\/author\/#Person","name":"","url":"https:\/\/www.innovatio.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b86e461e91a792eb6523c2667396c9868de382fea5dd80e25dc0d9e030173b65?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b86e461e91a792eb6523c2667396c9868de382fea5dd80e25dc0d9e030173b65?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"innovatio.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.innovatio.cz\/wp-content\/uploads\/%C3%BArokov%C3%A1%20sazba_2.png","url":"https:\/\/www.innovatio.cz\/wp-content\/uploads\/%C3%BArokov%C3%A1%20sazba_2.png","height":0,"width":0},"url":"https:\/\/www.innovatio.cz\/nejcastejsi-duvody-pro-zamitnuti-uveru\/","about":["Online"],"wordCount":393,"articleBody":"     Zam\u00edtla v\u00e1m banka \u017e\u00e1dost o \u00fav\u011br, ve kter\u00fd jste tolik doufali? Nepropadejte zoufalstv\u00ed, podobn\u00fdch p\u0159\u00edb\u011bh\u016f je cel\u00e1 \u0159ada. N\u011bkdy m\u016f\u017ee za zam\u00edtnut\u00fd \u00fav\u011br v podstat\u011b banalita, kter\u00e1 se snadno naprav\u00ed a \u017eadatel o p\u016fj\u010dku m\u016f\u017ee za\u017e\u00e1dat znovu. Najdou se ale i v\u011bt\u0161\u00ed proh\u0159e\u0161ky, u kter\u00fdch m\u00e1 \u017eadatel dost vysokou pravd\u011bpodobnost, \u017ee \u00fav\u011br v \u017e\u00e1dn\u00e9 bankovn\u00ed instituci zkr\u00e1tka nedostane. P\u0159itom diskvalifika\u010dn\u00edm faktorem m\u016f\u017ee b\u00fdt cel\u00e1 \u0159ada, jako je pracovn\u00ed smlouva nebo negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f. D\u00e1 se tedy v\u016fbec n\u011bco ud\u011blat pro to, abychom neode\u0161li z banky s nepo\u0159\u00edzenou? Dostanu hypot\u00e9ku https:\/\/www.fahd.cz\/jak-na-hypoteku\/ nebo spot\u0159ebitelsk\u00fd \u00fav\u011br? Novela z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bruV sou\u010dasn\u00e9 dob\u011b je na trhu p\u0159ebytek likvidity a to znamen\u00e1 jen jedin\u00e9. Banky se neust\u00e1le p\u0159edh\u00e1n\u011bj\u00ed, kter\u00e1 p\u0159ijde s lep\u0161\u00ed nab\u00eddkou, a doslova bojuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta. Ov\u0161em je pot\u0159eba zm\u00ednit i slo\u017eitou legislativu, kter\u00e1 je v tomto ohledu tak trochu proti nim. \u010cNB na\u0159izuje v\u0161em bankovn\u00edm subjekt\u016fm, aby \u017eadatele n\u00e1le\u017eit\u011b prov\u011b\u0159ili, je\u0161t\u011b p\u0159edt\u00edm ne\u017e schv\u00e1l\u00ed jejich \u017e\u00e1dost o \u00fav\u011br. D\u016fle\u017eitou roli zde hraje tzv. bonita \u017eadatele, kdy banky pomoc\u00ed zadan\u00fdch krit\u00e9ri\u00ed dok\u00e1\u017e\u00ed vyhodnotit, zda dan\u00fd \u017eadatel dok\u00e1\u017ee \u00fav\u011br spl\u00e1cet. V p\u0159\u00edpad\u011b, kdy by bankovn\u00ed subjekt tento krok neprovedl, mohlo by to m\u00edt nedoz\u00edrn\u00e9 n\u00e1sledky. Za zam\u00edtnut\u00edm \u00fav\u011bru tak ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f nestoj\u00ed neochota bank, ale slo\u017eit\u00e1 legislativa, kter\u00e1 chr\u00e1n\u00ed nejenom banku, ale i samotn\u00e9ho \u017eadatele. Pracovn\u00ed smlouvaPracovn\u00ed smlouva je pro banku jakousi pojistkou. Pokud m\u00e1 \u017eadatel stabiln\u00ed zam\u011bstn\u00e1n\u00ed na dobu neur\u010ditou, m\u00e1 nejv\u011bt\u0161\u00ed \u0161anci na kladn\u00e9 vy\u0159\u00edzen\u00ed \u00fav\u011bru. V p\u0159\u00edpad\u011b, kdy nen\u00ed \u017eadatel schopen dolo\u017eit v\u00fd\u0161i sv\u00fdch m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f, jsou nepravideln\u00e9 nebo ve form\u011b d\u00e1vek st\u00e1tn\u00ed soci\u00e1ln\u00ed podpory, na \u00fav\u011br t\u00e9m\u011b\u0159 nem\u00e1 \u0161anci dos\u00e1hnout. Pro banku v takov\u00e9m p\u0159\u00edpad\u011b p\u0159edstavuje p\u0159\u00edli\u0161 vysok\u00e9 riziko!                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nej\u010dast\u011bj\u0161\u00ed d\u016fvody pro zam\u00edtnut\u00ed \u00fav\u011bru","item":"https:\/\/www.innovatio.cz\/nejcastejsi-duvody-pro-zamitnuti-uveru\/#breadcrumbitem"}]}]