[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.chsm.cz\/proc-banka-zamitne-zadost-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.chsm.cz\/proc-banka-zamitne-zadost-o-uver\/","headline":"Pro\u010d banka zam\u00edtne \u017e\u00e1dost o \u00fav\u011br?","name":"Pro\u010d banka zam\u00edtne \u017e\u00e1dost o \u00fav\u011br?","description":"Podm\u00ednky pro schvalov\u00e1n\u00ed \u00fav\u011br\u016f se ka\u017ed\u00fdm rokem zp\u0159\u00eds\u0148uj\u00ed, m\u016f\u017ee za to novela z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, ale t\u0159eba i nov\u011b &hellip; <a href=\"https:\/\/www.chsm.cz\/proc-banka-zamitne-zadost-o-uver\/\" class=\"more-link\"><span class=\"more-button\">Continue Reading<span class=\"screen-reader-text\">Pro\u010d banka zam\u00edtne \u017e\u00e1dost o \u00fav\u011br?<\/span><\/span><\/a>","datePublished":"2021-06-16","dateModified":"2023-06-01","author":{"@type":"Person","@id":"https:\/\/www.chsm.cz\/author\/#Person","name":"","url":"https:\/\/www.chsm.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b653a05acc9928bc50547a0b6ed51698115bbf59840455a4bc9d337f928ec9d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b653a05acc9928bc50547a0b6ed51698115bbf59840455a4bc9d337f928ec9d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"chsm.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.chsm.cz\/wp-content\/uploads\/%C4%8Dten%C3%AD%20smlouvy_10_10.jpg","url":"https:\/\/www.chsm.cz\/wp-content\/uploads\/%C4%8Dten%C3%AD%20smlouvy_10_10.jpg","height":0,"width":0},"url":"https:\/\/www.chsm.cz\/proc-banka-zamitne-zadost-o-uver\/","about":["Pen\u00edze"],"wordCount":406,"articleBody":"       Podm\u00ednky pro schvalov\u00e1n\u00ed \u00fav\u011br\u016f se ka\u017ed\u00fdm rokem zp\u0159\u00eds\u0148uj\u00ed, m\u016f\u017ee za to novela z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, ale t\u0159eba i nov\u011b vznikl\u00fd insolven\u010dn\u00ed z\u00e1kon. Banky se st\u00e1le v\u00edce ob\u00e1vaj\u00ed, \u017ee jim dlu\u017en\u00edk nebude schopen p\u016fj\u010denou \u010d\u00e1stku vr\u00e1tit a tak krom z\u00e1konem stanoven\u00fdch podm\u00ednek mnohdy p\u0159id\u00e1vaj\u00ed je\u0161t\u011b vlastn\u00ed. V\u00fdsledkem je, \u017ee z\u00edskat \u00fav\u011br u\u017e nen\u00ed tak jednoduch\u00e9, jak tomu b\u00fdvalo kdysi. Spot\u0159ebitelsk\u00fd z\u00e1kon pravideln\u011b upravuje \u010cesk\u00e1 n\u00e1rodn\u00ed banka, kter\u00e1 tak naposled u\u010dinila v dubnu lo\u0148sk\u00e9ho roku, kdy reagovala na aktu\u00e1ln\u00ed na\u0159\u00edzen\u00ed vl\u00e1dy ohledn\u011b koronavirov\u00e9 pandemie. Je tomu u\u017e skoro rok a my se dnes pod\u00edv\u00e1me, jak\u00e9 podm\u00ednky je zapot\u0159eb\u00ed splnit v roce 2021. \u010cNB prim\u00e1rn\u011b p\u0159ik\u00e1zala poskytovatel\u016fm \u00fav\u011br\u016f d\u016fkladnou lustraci ka\u017ed\u00e9ho \u017eadatele. Pokud by tak neu\u010dinily, mohlo by to pro n\u011b m\u00edt fat\u00e1ln\u00ed n\u00e1sledky. Dlu\u017en\u00edk by mohl napadnout celou smlouvu pro jej\u00ed neplatnost a nad\u00e1le by spl\u00e1cel bez \u00farok\u016f a dal\u0161\u00edch poplatk\u016f dle sv\u00fdch finan\u010dn\u00edch mo\u017enost\u00ed. Spot\u0159ebitelsk\u00fd z\u00e1kon m\u00e1 tak chr\u00e1nit nejenom samotn\u00e9ho dlu\u017en\u00edka, ale i poskytovatele \u00fav\u011br\u016f.Nedostate\u010dn\u00e1 bonita Bonita \u017eadatele je jeden z kl\u00ed\u010dov\u00fdch faktor\u016f, kter\u00fd nakonec rozhodne, zda \u00fav\u011br dostanete \u010di nikoliv. Ovliv\u0148uje j\u00ed t\u0159eba v\u00fd\u0161e p\u0159\u00edjm\u016f, dal\u0161\u00ed pohled\u00e1vky, v\u011bk, zam\u011bstn\u00e1n\u00ed, z\u00e1znamy v registrech dlu\u017en\u00edk\u016f atd. M\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjemAby bylo mo\u017en\u00e9 \u00fav\u011br plnohodnotn\u011b spl\u00e1cet, je zapot\u0159eb\u00ed pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem. Z v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f a v\u00fddaj\u016f si pak banka ud\u011bl\u00e1 ucelen\u011bj\u0161\u00ed p\u0159edstavu a odhadne, zda je \u017eadatel v\u016fbec schopen dlouhodob\u011b spl\u00e1cet. V\u00fd\u0161i p\u0159\u00edjm\u016f je tak\u00e9 zapot\u0159eb\u00ed dolo\u017eit za pomoci pracovn\u00ed smlouvy na dobu neur\u010ditou. N\u011bkter\u00e9 banky akceptuj\u00ed i pracovn\u00ed smlouvu na omezenou dobu, je v\u0161ak zapot\u0159eb\u00ed, aby byl \u00fav\u011br splacen je\u0161t\u011b p\u0159ed uplynut\u00edm pracovn\u00ed smlouvy. Nebankovn\u00ed spole\u010dnosti v\u0161ak pomalu ale jist\u011b \u0161lapou bank\u00e1m na paty a nab\u00edz\u00ed hypot\u00e9ku bez dolo\u017een\u00ed p\u0159\u00edjmu https:\/\/www.hypoteka-bez-registru.net\/hypoteka-bez-dolozeni-prijmu\/.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d banka zam\u00edtne \u017e\u00e1dost o \u00fav\u011br?","item":"https:\/\/www.chsm.cz\/proc-banka-zamitne-zadost-o-uver\/#breadcrumbitem"}]}]