[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.framagro.cz\/v-jakych-pripadech-muzou-banky-pristoupit-k-zamitnuti-zadosti-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.framagro.cz\/v-jakych-pripadech-muzou-banky-pristoupit-k-zamitnuti-zadosti-o-uver\/","headline":"V jak\u00fdch p\u0159\u00edpadech m\u016f\u017eou banky p\u0159istoupit k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br?","name":"V jak\u00fdch p\u0159\u00edpadech m\u016f\u017eou banky p\u0159istoupit k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br?","description":"Pokud jste se ocitli v \u017eivotn\u00ed http:\/\/www.opojisteni.cz\/rizika\/ situaci, kdy by se v\u00e1m hodil men\u0161\u00ed obnos pen\u011bz nav\u00edc, jist\u011b p\u0159em\u00fd\u0161l\u00edte nad \u00fav\u011brem. Nejedn\u00e1 se o nic nepat\u0159i\u010dn\u00e9ho, v \u010cesk\u00e9 republice m\u00e1 s n\u011bkter\u00fdm z \u00fav\u011brov\u00fdch produkt\u016f co do\u010din\u011bn\u00ed ka\u017ed\u00fd druh\u00fd \u010cech. Na trhu je v sou\u010dasn\u00e9 dob\u011b p\u0159ebytek likvidity a banky se tak doslova p\u0159etahuj\u00ed o […]","datePublished":"2021-09-03","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.framagro.cz\/author\/#Person","name":"","url":"https:\/\/www.framagro.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c47baa405891a9bbddd7acd919a692d2b0c5a8f5f5ac49161535688cab5c72a8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c47baa405891a9bbddd7acd919a692d2b0c5a8f5f5ac49161535688cab5c72a8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"framagro.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.framagro.cz\/wp-content\/uploads\/contract-g109f3b8f6_640.jpg","url":"https:\/\/www.framagro.cz\/wp-content\/uploads\/contract-g109f3b8f6_640.jpg","height":0,"width":0},"url":"https:\/\/www.framagro.cz\/v-jakych-pripadech-muzou-banky-pristoupit-k-zamitnuti-zadosti-o-uver\/","about":["Finance"],"wordCount":350,"articleBody":"         Pokud jste se ocitli v \u017eivotn\u00ed http:\/\/www.opojisteni.cz\/rizika\/  situaci, kdy by se v\u00e1m hodil men\u0161\u00ed obnos pen\u011bz nav\u00edc, jist\u011b p\u0159em\u00fd\u0161l\u00edte nad \u00fav\u011brem. Nejedn\u00e1 se o nic nepat\u0159i\u010dn\u00e9ho, v \u010cesk\u00e9 republice m\u00e1 s n\u011bkter\u00fdm z \u00fav\u011brov\u00fdch produkt\u016f co do\u010din\u011bn\u00ed ka\u017ed\u00fd druh\u00fd \u010cech. Na trhu je v sou\u010dasn\u00e9 dob\u011b p\u0159ebytek likvidity a banky se tak doslova p\u0159etahuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta, proti nim ov\u0161em stoj\u00ed slo\u017eit\u00e1 legislativa, kter\u00e1 ukl\u00e1d\u00e1 za povinnost d\u016fkladnou lustraci ka\u017ed\u00e9ho \u017eadatele. Z tohoto vypl\u00fdv\u00e1, \u017ee i kdyby banky cht\u011bly p\u016fj\u010dit, ne v\u017edy jim to z\u00e1kon umo\u017e\u0148uje.   Aktu\u00e1ln\u011b doch\u00e1z\u00ed u \u0159ady hypote\u010dn\u00edch i spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f nejenom k zvy\u0161ov\u00e1n\u00ed \u00farokov\u00e9 sazby, ale zp\u0159\u00edsn\u011bn\u00ed i n\u011bkter\u00fdch podm\u00ednek. U\u017e d\u00e1vno proto neplat\u00ed, \u017ee na \u00fav\u011br dos\u00e1hne ka\u017ed\u00fd, kdo o n\u011bj po\u017e\u00e1d\u00e1.  Rizikov\u00fd \u017eadatel\u00e9 Studenti, rodi\u010de samo\u017eivitel\u00e9, d\u016fchodci \u010di lid\u00e9 s n\u00edzk\u00fdmi p\u0159\u00edjmy\u2026na n\u011b pohl\u00ed\u017e\u00ed banka bohu\u017eel negativn\u011b. P\u0159edstavuj\u00ed pro n\u011b a\u017e p\u0159\u00edli\u0161 vysok\u00e9 riziko a proto s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed p\u0159i \u017e\u00e1dosti v bance neusp\u011bj\u00ed. Jinak tomu nen\u00ed ani u \u017eadatel\u016f se \u0161patnou finan\u010dn\u00ed minulost\u00ed, kte\u0159\u00ed se v minulosti pot\u00fdkali s neschopnost\u00ed spl\u00e1cet. Jejich \u00fadaje toti\u017e s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed figuruj\u00ed v n\u011bkter\u00e9m z registru dlu\u017en\u00edk\u016f. V sou\u010dasnosti jsou u n\u00e1s \u010dty\u0159i registry dlu\u017en\u00edk\u016f pro fyzick\u00e9 osoby (SOLUS, BRKI a NRKI a CEDR).   \u0158e\u0161en\u00ed?  Pokud v\u00e1m banka zam\u00edtne \u017e\u00e1dost o \u00fav\u011br, je\u0161t\u011b nen\u00ed pot\u0159eba propadat beznad\u011bji. Nebankovn\u00ed instituce nab\u00edz\u00ed spot\u0159ebitelsk\u00e9 \u00fav\u011bry, ale t\u0159eba i nebankovn\u00ed hypot\u00e9ky https:\/\/www.hypotekybezregistru.cz\/nebankovni-hypoteka\/. V\u011b\u0159te, \u017ee dos\u00e1hnout v nebankovn\u00edch instituc\u00edch na \u00fav\u011br bude mnohem jednodu\u0161\u00ed, ne\u017e tomu bylo v bank\u00e1ch.                                                                                                                                                                                                                                                                                                                                                                                           3.6\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V jak\u00fdch p\u0159\u00edpadech m\u016f\u017eou banky p\u0159istoupit k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br?","item":"https:\/\/www.framagro.cz\/v-jakych-pripadech-muzou-banky-pristoupit-k-zamitnuti-zadosti-o-uver\/#breadcrumbitem"}]}]