[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ostosest.cz\/nejcastejsi-priciny-ktere-vedou-k-zamitnuti-uveru\/#Article","mainEntityOfPage":"https:\/\/www.ostosest.cz\/nejcastejsi-priciny-ktere-vedou-k-zamitnuti-uveru\/","headline":"Nej\u010dast\u011bj\u0161\u00ed p\u0159\u00ed\u010diny, kter\u00e9 vedou k zam\u00edtnut\u00ed \u00fav\u011bru","name":"Nej\u010dast\u011bj\u0161\u00ed p\u0159\u00ed\u010diny, kter\u00e9 vedou k zam\u00edtnut\u00ed \u00fav\u011bru","description":"Co d\u011blat, kdy\u017e banka zam\u00edtne \u017e\u00e1dost o \u00fav\u011br bez ud\u00e1n\u00ed d\u016fvod\u016f? Bohu\u017eel se nejedn\u00e1 o nic ojedin\u011bl\u00e9ho, s podobnou zku\u0161enost\u00ed se dennodenn\u011b pot\u00fdk\u00e1 des\u00edtky \u010cech\u016f. P\u0159itom diskvalifika\u010dn\u00edch faktor\u016f m\u016f\u017ee b\u00fdt <a href=\"https:\/\/www.ostosest.cz\/nejcastejsi-priciny-ktere-vedou-k-zamitnuti-uveru\/\" class=\"btn btn-link continue-link\">P\u0159e\u010d\u00edst<\/a>","datePublished":"2021-03-16","dateModified":"2023-06-09","author":{"@type":"Person","@id":"https:\/\/www.ostosest.cz\/author\/#Person","name":"","url":"https:\/\/www.ostosest.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":"ostosest.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ostosest.cz\/wp-content\/uploads\/bal%C3%AD%C4%8Dek%20pen%C4%9Bz_5.jpg","url":"https:\/\/www.ostosest.cz\/wp-content\/uploads\/bal%C3%AD%C4%8Dek%20pen%C4%9Bz_5.jpg","height":0,"width":0},"url":"https:\/\/www.ostosest.cz\/nejcastejsi-priciny-ktere-vedou-k-zamitnuti-uveru\/","about":["Online"],"wordCount":431,"articleBody":"     Co d\u011blat, kdy\u017e banka zam\u00edtne \u017e\u00e1dost o \u00fav\u011br bez ud\u00e1n\u00ed d\u016fvod\u016f? Bohu\u017eel se nejedn\u00e1 o nic ojedin\u011bl\u00e9ho, s podobnou zku\u0161enost\u00ed se dennodenn\u011b pot\u00fdk\u00e1 des\u00edtky \u010cech\u016f. P\u0159itom diskvalifika\u010dn\u00edch faktor\u016f m\u016f\u017ee b\u00fdt cel\u00e1 \u0159ada a banky jsou v p\u0159\u00edpad\u011b \u00fav\u011brov\u00fdch produkt\u016f skute\u010dn\u011b nekompromisn\u00ed. Je\u0161t\u011b p\u0159\u00edsn\u011bj\u0161\u00ed mohou b\u00fdt v p\u0159\u00edpad\u011b, kdy klient \u017e\u00e1d\u00e1 o hypote\u010dn\u00ed \u00fav\u011br. Pokud v takov\u00e9m p\u0159\u00edpad\u011b banka \u017e\u00e1dost o \u00fav\u011br zam\u00edtne, nen\u00ed od v\u011bci za\u010d\u00edt uva\u017eovat i o nebankovn\u00edm sektoru. Nebankovn\u00ed hypot\u00e9ka je mnohdy jedinou mo\u017enost\u00ed pro \u017eadatele, kter\u00fdm banka \u017e\u00e1dost o \u00fav\u011br zam\u00edtla. Z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bruI kdy\u017e je v sou\u010dasn\u00e9 dob\u011b na trhu p\u0159ebytek likvidity a banky neust\u00e1le vym\u00fd\u0161lej\u00ed nov\u00e9 \u00fav\u011brov\u00e9 produkty a v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky u t\u011bch st\u00e1vaj\u00edc\u00edch, podm\u00ednky jsou ale st\u00e1le p\u0159\u00edsn\u011bj\u0161\u00ed. Proti bank\u00e1m toti\u017e stoj\u00ed p\u0159\u00edsn\u00e1 legislativa, kter\u00e1 p\u0159ikazuje bankovn\u00edm i nebankovn\u00edm spole\u010dnostem prov\u011b\u0159it sv\u00e9 \u017eadatele p\u0159ed t\u00edm, ne\u017e jim bude \u00fav\u011br schv\u00e1len. Pokud by tak poskytovatel\u00e9 \u00fav\u011br\u016f neu\u010dinili, mohlo by to m\u00edt nedoz\u00edrn\u00e9 n\u00e1sledky. Dlu\u017en\u00edk by mohl n\u00e1sledn\u011b celou smlouvu napadnout pro jej\u00ed neplatnost a byl by opro\u0161t\u011bn od v\u0161ech poplatk\u016f a \u00farok\u016f. Za zam\u00edtnut\u00fdm \u00fav\u011brem je tak pot\u0159eba hledat slo\u017eitou legislativu, kter\u00e1 chr\u00e1n\u00ed dlu\u017en\u00edka i v\u011b\u0159itele a ne neochotu bank. Pracovn\u00ed smlouva jako kl\u00ed\u010d k v\u00fdhodn\u011bj\u0161\u00edmu \u00fav\u011bruJe vcelku na m\u00edst\u011b, \u017ee banky \u017e\u00e1daj\u00ed po p\u0159\u00edpadn\u00e9m klientovi z\u00e1znamy o jeho pravideln\u00fdch p\u0159\u00edjmech a v\u00fddaj\u00edch. Jedin\u011b tak si mohou ud\u011blat ucelenou p\u0159edstavu o jeho schopnosti spl\u00e1cet. Pracovn\u00ed smlouva na dobu neur\u010ditou je pro v\u011b\u0159itele jak\u00e1si z\u00e1ruka, \u017ee dlu\u017en\u00edk dostoj\u00ed sv\u00fdm z\u00e1vazk\u016fm, kter\u00e9 by p\u0159\u00edpadn\u011b v\u016f\u010di bance m\u011bl. Pokud \u017eadatel pracuje pouze na omezenou dobu, nen\u00ed nemo\u017en\u00e9 na \u00fav\u011br dos\u00e1hnout. Mus\u00ed v\u0161ak b\u00fdt cel\u00fd \u00fav\u011br splacen je\u0161t\u011b p\u0159ed dovr\u0161en\u00edm pracovn\u00ed smlouvy. V p\u0159\u00edpad\u011b, kdy \u017eadatel nem\u00e1 jak dolo\u017eit sv\u00e9 pravideln\u00e9 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy nebo se moment\u00e1ln\u011b nach\u00e1z\u00ed ve v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b, \u00fav\u011br v bance nez\u00edsk\u00e1.                                                                                                                                                                                                                                                                                                                                                                                           4.1\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nej\u010dast\u011bj\u0161\u00ed p\u0159\u00ed\u010diny, kter\u00e9 vedou k zam\u00edtnut\u00ed \u00fav\u011bru","item":"https:\/\/www.ostosest.cz\/nejcastejsi-priciny-ktere-vedou-k-zamitnuti-uveru\/#breadcrumbitem"}]}]