[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lgf1.cz\/duvody-ktere-vedou-az-k-zamitnuti-uveru\/#Article","mainEntityOfPage":"https:\/\/www.lgf1.cz\/duvody-ktere-vedou-az-k-zamitnuti-uveru\/","headline":"D\u016fvody, kter\u00e9 vedou a\u017e k zam\u00edtnut\u00ed \u00fav\u011bru","name":"D\u016fvody, kter\u00e9 vedou a\u017e k zam\u00edtnut\u00ed \u00fav\u011bru","description":"V n\u011bkter\u00fdch p\u0159\u00edpadech m\u016f\u017ee banka \u017eadateli zam\u00edtnout \u00fav\u011br bez ud\u00e1n\u00ed d\u016fvodu. Diskvalifika\u010dn\u00edmi faktory m\u016f\u017ee b\u00fdt cel\u00e1 \u0159ada a takov\u00e9mu \u017eadateli nezb\u00fdv\u00e1, ne\u017e odej\u00edt z banky s nepo\u0159\u00edzenou. Za zam\u00edtnut\u00fdm \u00fav\u011brem v\u0161ak nehledejte \u0161patn\u00e9 \u00famysly banky, ale tvrdou legislativu, kter\u00e1 bank\u00e1m... <a class=\"more-link\" href=\"https:\/\/www.lgf1.cz\/duvody-ktere-vedou-az-k-zamitnuti-uveru\/\">Pokra\u010dovat ve \u010dten\u00ed &rarr;<\/a>","datePublished":"2020-11-04","dateModified":"2023-09-13","author":{"@type":"Person","@id":"https:\/\/www.lgf1.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.lgf1.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/232437c79d6ebbb41eb67b1526ce0bc08ee5047d6b1594dc05abcc3258d8e0b3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/232437c79d6ebbb41eb67b1526ce0bc08ee5047d6b1594dc05abcc3258d8e0b3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lgf1.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lgf1.cz\/wp-content\/uploads\/%C4%8Dten%C3%AD%20z%C3%A1kona.jpg","url":"https:\/\/www.lgf1.cz\/wp-content\/uploads\/%C4%8Dten%C3%AD%20z%C3%A1kona.jpg","height":0,"width":0},"url":"https:\/\/www.lgf1.cz\/duvody-ktere-vedou-az-k-zamitnuti-uveru\/","about":["Spole\u010dnosti"],"wordCount":399,"articleBody":"      V n\u011bkter\u00fdch p\u0159\u00edpadech m\u016f\u017ee banka \u017eadateli zam\u00edtnout \u00fav\u011br bez ud\u00e1n\u00ed d\u016fvodu. Diskvalifika\u010dn\u00edmi faktory m\u016f\u017ee b\u00fdt cel\u00e1 \u0159ada a takov\u00e9mu \u017eadateli nezb\u00fdv\u00e1, ne\u017e odej\u00edt z banky s nepo\u0159\u00edzenou. Za zam\u00edtnut\u00fdm \u00fav\u011brem v\u0161ak nehledejte \u0161patn\u00e9 \u00famysly banky, ale tvrdou legislativu, kter\u00e1 bank\u00e1m p\u0159ikazuje, jak\u00fdm \u017eadatel\u016fm m\u016f\u017ee \u00fav\u011br schv\u00e1lit a v jak\u00fdch p\u0159\u00edpadech ho naopak mus\u00ed zam\u00edtnout. P\u0159i neschopnosti spl\u00e1cet cel\u00e1 \u0159ada lid\u00ed p\u0159istoup\u00ed k osobn\u00edmu bankrotu neboli insolvenci. Ta je ov\u0161em pro bankovn\u00ed domy velmi nev\u00fdhodn\u00e1, nebo\u0165 po schv\u00e1len\u00ed st\u00e1tem sta\u010d\u00ed, aby \u017eadatel zaplatil pouze 30% vyp\u016fj\u010den\u00e9 \u010d\u00e1stky. Insolvence seznam dlu\u017en\u00edk\u016f pravideln\u011b informuje v\u011b\u0159itele a \u010d\u00edsla jsou p\u0159\u00edmo alarmuj\u00edc\u00ed. Lid\u00e9, kte\u0159\u00ed nakonec projdou insolven\u010dn\u00edm \u0159\u00edzen\u00edm, maj\u00ed na \u0159adu let vystar\u00e1no, nebo\u0165 jim u\u017e \u017e\u00e1dn\u00e1 banka nep\u016fj\u010d\u00ed. Takov\u00fdm \u017eadatel\u016fm u\u017e nezb\u00fdv\u00e1 nic jin\u00e9ho ne\u017e vsadit na nebankovn\u00ed spole\u010dnosti, kter\u00e9 rozhodn\u011b nenab\u00edz\u00ed tak v\u00fdhodn\u00e9 podm\u00ednky jako bankovn\u00ed domy. D\u016fle\u017eit\u00fd je i hlavn\u00ed pracovn\u00ed pom\u011br, kter\u00fd banky alespo\u0148 do jist\u00e9 m\u00edry p\u0159esv\u011bd\u010d\u00ed o tom, \u017ee je \u017eadatel schopn\u00fd dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, kter\u00e9 by p\u0159\u00edpadn\u011b podpisem smlouvy v\u016f\u010di bance m\u011bl. N\u011bkter\u00e9 banky jsou p\u0159eci jenom benevolentn\u011bj\u0161\u00ed a spokoj\u00ed se s pracovn\u00ed smlouvou na domu neur\u010ditou, tedy v p\u0159\u00edpad\u011b, kdy \u00fav\u011br bude splacen\u00fd je\u0161t\u011b p\u0159ed vypr\u0161en\u00edm pracovn\u00ed smlouvy. Pokud se v\u0161ak \u017eadatel moment\u00e1ln\u00ed nach\u00e1z\u00ed ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b, je to pro banku jasn\u00fd sign\u00e1l, \u017ee \u017eadatel za n\u011bkolik m\u011bs\u00edc\u016f mo\u017en\u00e1 nebude schopen plnohodnotn\u011b spl\u00e1cet a \u00fav\u011br v\u00e1m s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed banka zam\u00edtne. Velk\u00e9 procento zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed maj\u00ed tak\u00e9 co do\u010din\u011bn\u00ed s nehr\u016fzn\u011bj\u0161\u00edmi registry dlu\u017en\u00edk\u016f. \u0160patn\u00e1 platebn\u00ed mor\u00e1lka je toti\u017e jedn\u00edm z nej\u010dast\u011bj\u0161\u00edch d\u016fvod\u016f, pro\u010d banka nakonec \u017e\u00e1dost o \u00fav\u011br mus\u00ed zam\u00edtnout. Pokud je proh\u0159e\u0161ek jen nepatrn\u00fd, banka nakonec m\u016f\u017ee \u017e\u00e1dosti p\u0159eci jenom vyhov\u011bt, ale podm\u00ednky \u00fav\u011bru u\u017e nebudou tak v\u00fdhodn\u00e9.                                                                                                                                                                                                                                                                                                                                                                                           4.9\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"D\u016fvody, kter\u00e9 vedou a\u017e k zam\u00edtnut\u00ed \u00fav\u011bru","item":"https:\/\/www.lgf1.cz\/duvody-ktere-vedou-az-k-zamitnuti-uveru\/#breadcrumbitem"}]}]