[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lgf1.cz\/duvody-ktere-vedou-banku-k-zamitnuti-uveru\/#Article","mainEntityOfPage":"https:\/\/www.lgf1.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":"Zam\u00edtla V\u00e1m banka \u017e\u00e1dost o \u00fav\u011br a vy nev\u00edte, jak\u00fd d\u016fvod j\u00ed k tomuto po\u010d\u00edn\u00e1n\u00ed vedl? N\u011bkdy se m\u016f\u017ee jednat o drobnost, jindy je na vin\u011b \u0161patn\u00e1 platebn\u00ed mor\u00e1lka nebo negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f. Jak\u00e9 jsou nej\u010dast\u011bj\u0161\u00ed p\u0159\u00ed\u010diny, kter\u00e9... <a class=\"more-link\" href=\"https:\/\/www.lgf1.cz\/duvody-ktere-vedou-banku-k-zamitnuti-uveru\/\">Pokra\u010dovat ve \u010dten\u00ed &rarr;<\/a>","datePublished":"2020-11-29","dateModified":"2023-05-30","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\/bez%20pen%C4%9Bz.jpg","url":"https:\/\/www.lgf1.cz\/wp-content\/uploads\/bez%20pen%C4%9Bz.jpg","height":0,"width":0},"url":"https:\/\/www.lgf1.cz\/duvody-ktere-vedou-banku-k-zamitnuti-uveru\/","about":["Internet"],"wordCount":418,"articleBody":"      Zam\u00edtla V\u00e1m banka \u017e\u00e1dost o \u00fav\u011br a vy nev\u00edte, jak\u00fd d\u016fvod j\u00ed k tomuto po\u010d\u00edn\u00e1n\u00ed vedl? N\u011bkdy se m\u016f\u017ee jednat o drobnost, jindy je na vin\u011b \u0161patn\u00e1 platebn\u00ed mor\u00e1lka nebo negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f. Jak\u00e9 jsou nej\u010dast\u011bj\u0161\u00ed p\u0159\u00ed\u010diny, kter\u00e9 vedou k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br? V posledn\u00edch letech je na trhu p\u0159ebytek likvidity, i z tohoto d\u016fvodu banky neust\u00e1le p\u0159ich\u00e1zej\u00ed s nov\u00fdmi nab\u00eddkami a doslova bojuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta. Ov\u0161em proti nim stoj\u00ed p\u0159\u00edsn\u00e1 legislativa, kter\u00e1 jim ukl\u00e1d\u00e1 za povinnost d\u016fsledn\u00e9 prov\u011b\u0159en\u00ed ka\u017ed\u00e9ho \u017eadatele o \u00fav\u011br. Banky tak nov\u00e9mu klientovi nem\u016f\u017eou nab\u00eddnout \u017e\u00e1dn\u00fd \u00fav\u011br, ani\u017e by si neprov\u011b\u0159ily, zda je schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, kter\u00e9 by p\u0159\u00edpadn\u011b v\u016f\u010di bance m\u011bl. Klient by v opa\u010dn\u00e9m p\u0159\u00edpad\u011b mohl celou smlouvu napadnout, co\u017e by pro banku mohlo m\u00edt posl\u00e9ze nedoz\u00edrn\u00e9 n\u00e1sledky. Za zam\u00edtnut\u00edm \u00fav\u011bru tak nehledejte neochotu bank, ale p\u0159\u00edsnou legislativu a ochranu samotn\u00e9ho dlu\u017en\u00edka. Hlavn\u00edm ukazatelem, zda je \u017eadatel schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, je jeho bonita. Tu ur\u010duje cel\u00e1 \u0159ada faktor\u016f, jako je v\u011bk, m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy, z\u00e1znamy v registrech dlu\u017en\u00edk\u016f aj. Je v celku pochopiteln\u00e9, \u017ee banky p\u0159i \u017e\u00e1dosti o \u00fav\u011br vy\u017eaduj\u00ed pracovn\u00ed smlouvu na dobu neur\u010ditou. V n\u011bkter\u00fdch p\u0159\u00edpadech m\u016f\u017ee usp\u011bt i \u017eadatel, kter\u00fd disponuje pouze pracovn\u00ed smlouvou na dobu ur\u010ditou. P\u016fj\u010dka v\u0161ak mus\u00ed b\u00fdt zcela splacena je\u0161t\u011b p\u0159ed datem ukon\u010den\u00ed smlouvy. Jin\u00e9 je to ov\u0161em s v\u00fdpov\u011bdn\u00ed a zku\u0161ebn\u00ed lh\u016ftou, kdy v\u011b\u0159itel nem\u00e1 jistotu, \u017ee dlu\u017en\u00edk bude m\u00edt v budoucnu dostate\u010dn\u00fd p\u0159\u00edjem, aby mohl sv\u00e9 z\u00e1vazky bez probl\u00e9mu spl\u00e1cet. Dal\u0161\u00edm ovliv\u0148uj\u00edc\u00edm faktorem bonity jsou i nejr\u016fzn\u011bj\u0161\u00ed z\u00e1znamy v registrech dlu\u017en\u00edk\u016f. Pokud se \u017eadatel n\u011bkdy v minulosti dostal do situace, kdy nebyl schopn\u00fd spl\u00e1cet sv\u00e9 z\u00e1vazky, bude jeho jm\u00e9no figurovat v n\u011bkter\u00e9m z registru dlu\u017en\u00edk\u016f. Hypot\u00e9ka bez registru tak m\u016f\u017ee znamenat jedinou \u0161anci, jak si vytou\u017een\u00e9 finance obstarat.                                                                                                                                                                                                                                                                                                                                                                                           3.7\/5 - (9 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.lgf1.cz\/duvody-ktere-vedou-banku-k-zamitnuti-uveru\/#breadcrumbitem"}]}]