[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.idzka.cz\/v-jakych-pripadech-muze-banka-uver-zamitnout\/#Article","mainEntityOfPage":"https:\/\/www.idzka.cz\/v-jakych-pripadech-muze-banka-uver-zamitnout\/","headline":"V jak\u00fdch p\u0159\u00edpadech m\u016f\u017ee banka \u00fav\u011br zam\u00edtnout!","name":"V jak\u00fdch p\u0159\u00edpadech m\u016f\u017ee banka \u00fav\u011br zam\u00edtnout!","description":"Do t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situace se b\u011bhem okam\u017eiku m\u016f\u017ee dostat ka\u017ed\u00fd z n\u00e1s. Pokud nem\u016f\u017ee pomoci rodina ani zn\u00e1m\u00ed, na\u0161e dal\u0161\u00ed kroky povedou nejsp\u00ed\u0161e do banky. V\u017edy\u0165 pr\u00e1v\u011b banka by tu m\u011bla b\u00fdt pro n\u00e1s v dob\u00e1ch nejt\u011b\u017e\u0161\u00edch. Jen\u017ee striktn\u00ed podm\u00ednky banky mohou b\u00fdt ob\u010das nastaveny a\u017e p\u0159\u00edli\u0161 striktn\u011b a bonita n\u011bkter\u00fdch klient\u016f je p\u0159\u00edli\u0161 n\u00edzk\u00e1, […]","datePublished":"2020-11-22","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.idzka.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.idzka.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/15c4177f6d86975c976af12ba80b10af7add2f97f8786f8cf1596253472c0ea7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/15c4177f6d86975c976af12ba80b10af7add2f97f8786f8cf1596253472c0ea7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"idzka.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.idzka.cz\/wp-content\/uploads\/po%C4%8D%C3%ADt%C3%A1n%C3%AD%20pen%C4%9Bz_10_1.jpg","url":"https:\/\/www.idzka.cz\/wp-content\/uploads\/po%C4%8D%C3%ADt%C3%A1n%C3%AD%20pen%C4%9Bz_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.idzka.cz\/v-jakych-pripadech-muze-banka-uver-zamitnout\/","about":["Finance"],"wordCount":450,"articleBody":"   Do t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situace se b\u011bhem okam\u017eiku m\u016f\u017ee dostat ka\u017ed\u00fd z n\u00e1s. Pokud nem\u016f\u017ee pomoci rodina ani zn\u00e1m\u00ed, na\u0161e dal\u0161\u00ed kroky povedou nejsp\u00ed\u0161e do banky. V\u017edy\u0165 pr\u00e1v\u011b banka by tu m\u011bla b\u00fdt pro n\u00e1s v dob\u00e1ch nejt\u011b\u017e\u0161\u00edch. Jen\u017ee striktn\u00ed podm\u00ednky banky mohou b\u00fdt ob\u010das nastaveny a\u017e p\u0159\u00edli\u0161 striktn\u011b a bonita n\u011bkter\u00fdch klient\u016f je p\u0159\u00edli\u0161 n\u00edzk\u00e1, ne\u017e aby na \u00fav\u011br mohly dos\u00e1hnout. Jak\u00fd je tedy nej\u010dast\u011bj\u0161\u00ed d\u016fvod k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br. Diskvalifika\u010dn\u00edch faktor\u016f m\u016f\u017ee b\u00fdt hned n\u011bkolik a mnohdy se jedn\u00e1 o drobnosti. Z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru je v\u0161ak nemilosrdn\u00fd, chr\u00e1n\u00ed v\u0161ak banku i samotn\u00e9ho klienta. D\u016fvod k zam\u00edtnut\u00ed \u010d. 1: Pracovn\u00ed smlouvaPro banku je d\u016fle\u017eit\u00e9, aby \u017eadatel o \u00fav\u011br m\u011bl st\u00e1l\u00fd p\u0159\u00edjem, kter\u00fd je stabiln\u00ed. Ten je snadno dolo\u017eiteln\u00fd pracovn\u00ed smlouvou, kter\u00e1 v\u0161ak mus\u00ed b\u00fdt uzav\u0159ena se zam\u011bstnavatelem na dobu neur\u010ditou. V p\u0159\u00edpad\u011b, kdy je smlouva jen na dobu ur\u010ditou, na \u00fav\u011br st\u00e1le dos\u00e1hnout m\u016f\u017eete, ale splatnost \u00fav\u011bru nem\u016f\u017ee b\u00fdt del\u0161\u00ed ne\u017e doba ur\u010dit\u00e1, kter\u00e1 je sjednan\u00e1 se zam\u011bstnavatelem. V p\u0159\u00edpad\u011b, kdy se \u017eadatel nach\u00e1z\u00ed ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016fta, hroz\u00ed v nejbli\u017e\u0161\u00ed dob\u011b odchod ze zam\u011bstn\u00e1n\u00ed a banka v takov\u00e9m p\u0159\u00edpad\u011b \u017e\u00e1dost zam\u00edtne. D\u016fvod k zam\u00edtnut\u00ed \u010d. 2: Z\u00e1znam v registru dlu\u017en\u00edk\u016fDruh\u00fdm nej\u010dast\u011bj\u0161\u00edm d\u016fvodem k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br je negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f. Je to prost\u00e9, platebn\u00ed mor\u00e1lka ka\u017ed\u00e9ho z n\u00e1s je poctiv\u011b zaznamen\u00e1v\u00e1na v jednotliv\u00fdch registrech dlu\u017en\u00edk\u016f. Pokud jste se tedy n\u011bkdy v minulosti pot\u00fdkali se situac\u00ed, kdy jste nebyli schopni dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed va\u0161e jm\u00e9no bude v n\u011bkter\u00e9m z registrech dlu\u017en\u00edk\u016f kolovat. V bance se jedn\u00e1 o dal\u0161\u00ed d\u016fvod k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br. Ov\u0161em nebankovn\u00ed spole\u010dnosti jsou v tomto ohledu ke sv\u00fdm \u017eadatel\u016fm pon\u011bkud vst\u0159\u00edcn\u011bj\u0161\u00ed a nab\u00edzej\u00ed mo\u017enost p\u016fj\u010dky i \u017eadatel\u016fm, kte\u0159\u00ed v registru dlu\u017en\u00edk\u016f n\u011bjak\u00fdm zp\u016fsobem figuruj\u00ed. Americk\u00e1 hypot\u00e9ka je pak v\u00fdborn\u00fdm produktem nebankovn\u00edch spole\u010dnost\u00ed, jak si splnit sen o vlastn\u00edm bydlen\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           3.8\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V jak\u00fdch p\u0159\u00edpadech m\u016f\u017ee banka \u00fav\u011br zam\u00edtnout!","item":"https:\/\/www.idzka.cz\/v-jakych-pripadech-muze-banka-uver-zamitnout\/#breadcrumbitem"}]}]