[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.avlcz.cz\/duvody-pro-zamitnuti-uveru\/#Article","mainEntityOfPage":"https:\/\/www.avlcz.cz\/duvody-pro-zamitnuti-uveru\/","headline":"D\u016fvody pro zam\u00edtnut\u00ed \u00fav\u011bru","name":"D\u016fvody pro zam\u00edtnut\u00ed \u00fav\u011bru","description":"Ka\u017ed\u00fd se m\u016f\u017ee vlivem ne\u010dekan\u00e9 \u017eivotn\u00ed ud\u00e1losti dostat do situace, kdy nen\u00ed schopen plnit sv\u00e9 finan\u010dn\u00ed z\u00e1vazky. V takov\u00e9m p\u0159\u00edpad\u011b je tu banka, kter\u00e1 by m\u011bla pomoci p\u0159eklenout toto n\u00e1ro\u010dn\u00e9 obdob\u00ed. Ov\u0161em banky jsou p\u0159i sjedn\u00e1v\u00e1n\u00ed \u00fav\u011br\u016f velmi nekompromisn\u00ed a ne ka\u017ed\u00fd nakonec t\u00ed\u017een\u00fd \u00fav\u011br z\u00edsk\u00e1. Existuje v\u0161ak hned n\u011bkolik faktor\u016f, podle kter\u00fdch banky ur\u010duj\u00ed, […]","datePublished":"2020-10-24","dateModified":"2020-10-24","author":{"@type":"Person","@id":"https:\/\/www.avlcz.cz\/author\/#Person","name":"","url":"https:\/\/www.avlcz.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/591310831c6f562dead2685065c7bfb166baf64da6e0332ad9d0a2e9c6c14446?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/591310831c6f562dead2685065c7bfb166baf64da6e0332ad9d0a2e9c6c14446?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"avlcz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.avlcz.cz\/wp-content\/uploads\/pot%C5%99esen%C3%AD%20rukou_1.jpg","url":"https:\/\/www.avlcz.cz\/wp-content\/uploads\/pot%C5%99esen%C3%AD%20rukou_1.jpg","height":0,"width":0},"url":"https:\/\/www.avlcz.cz\/duvody-pro-zamitnuti-uveru\/","about":["Ekonomika"],"wordCount":417,"articleBody":"           Ka\u017ed\u00fd se m\u016f\u017ee vlivem ne\u010dekan\u00e9 \u017eivotn\u00ed ud\u00e1losti dostat do situace, kdy nen\u00ed schopen plnit sv\u00e9 finan\u010dn\u00ed z\u00e1vazky. V takov\u00e9m p\u0159\u00edpad\u011b je tu banka, kter\u00e1 by m\u011bla pomoci p\u0159eklenout toto n\u00e1ro\u010dn\u00e9 obdob\u00ed. Ov\u0161em banky jsou p\u0159i sjedn\u00e1v\u00e1n\u00ed \u00fav\u011br\u016f velmi nekompromisn\u00ed a ne ka\u017ed\u00fd nakonec t\u00ed\u017een\u00fd \u00fav\u011br z\u00edsk\u00e1. Existuje v\u0161ak hned n\u011bkolik faktor\u016f, podle kter\u00fdch banky ur\u010duj\u00ed, kdo na \u00fav\u011br dos\u00e1hne a kdo naopak odejde s nepo\u0159\u00edzenou. V jak\u00e9m p\u0159\u00edpad\u011b tedy nem\u00e1 cenu do banky v\u016fbec chodit?V posledn\u00edch letech je na trhu p\u0159ebytek likvidity, banky i nebankovn\u00ed spole\u010dnosti se tak sna\u017e\u00ed p\u0159ich\u00e1zet st\u00e1le s lep\u0161\u00edmi nab\u00eddkami v\u00fdhodn\u00fdch \u00fav\u011br\u016f a doslova bojuj\u00ed o ka\u017ed\u00e9ho klienta. Ov\u0161em z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru stoj\u00ed tak trochu proti nim. I kdy\u017e by mo\u017en\u00e1 cht\u011bli nab\u00eddnout \u00fav\u011br v\u00edce lidem, legislativa jim to nedovol\u00ed. Ka\u017ed\u00fd \u017eadatel o \u00fav\u011br mus\u00ed proj\u00edt slo\u017eit\u00fdm schvalovac\u00edm procesem, kde se ur\u010duje jeho bonita. Banky tak sv\u00fdm \u017eadatel\u016fm nemohou p\u016fj\u010dit, dokud si d\u016fkladn\u011b neprov\u011b\u0159\u00ed, zda je opravdu schopn\u00fd v cel\u00e9m rozsahu \u00fav\u011br splatit. Za odm\u00edtnut\u00edm \u00fav\u011bru tak nelze hledat neochotu bank, ale pr\u00e1v\u011b p\u0159\u00edsnou legislativu, kter\u00e1 m\u00e1 chr\u00e1nit v\u011b\u0159itele. Bez pracovn\u00ed smlouvy \u00fav\u011br nez\u00edsk\u00e1te!Bez pravideln\u00e9ho p\u0159\u00edjmu jakoukoliv p\u016fj\u010dku zkr\u00e1tka spl\u00e1cet nelze. P\u0159i \u017e\u00e1dosti o \u00fav\u011br v bance je tak pot\u0159eba dolo\u017eit pracovn\u00ed smlouvu na dobu neur\u010ditou. V p\u0159\u00edpad\u011b, kdy m\u00e1 \u017eadatel pracovn\u00ed pom\u011br pouze na dobu ur\u010ditou, je\u0161t\u011b nemus\u00ed zoufat. Ov\u0161em dnem ukon\u010den\u00ed pracovn\u00ed smlouvy mus\u00ed b\u00fdt \u00fav\u011br zcela splacen. Banka ze z\u0159ejm\u00fdch d\u016fvod\u016f neposkytuje \u00fav\u011br ani \u017eadatel\u016fm, kte\u0159\u00ed jsou moment\u00e1ln\u011b ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b. Negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016fNegativn\u00ed z\u00e1znam v registrech dlu\u017en\u00edk\u016f je pro mnoh\u00e9 banky neodpustiteln\u00fd proh\u0159e\u0161ek. Nebankovn\u00ed spole\u010dnosti jsou v tomto ohledu p\u0159eci jenom o n\u011bco benevolentn\u011bj\u0161\u00ed. Nebankovn\u00ed hypot\u00e9ku https:\/\/www.hypoteka-bez-registru.net\/nebankovni_hypoteka m\u016f\u017eete z\u00edskat i v p\u0159\u00edpad\u011b, kdy m\u00e1te v registru n\u011bjak\u00fd ten vroubek.                                                                                                                                                                                                                                                                                                                                                                                           4\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"D\u016fvody pro zam\u00edtnut\u00ed \u00fav\u011bru","item":"https:\/\/www.avlcz.cz\/duvody-pro-zamitnuti-uveru\/#breadcrumbitem"}]}]