[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pehak.cz\/duvody-ktere-vedou-banku-k-zamitnuti-uveru\/#Article","mainEntityOfPage":"https:\/\/www.pehak.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":"Podle nejnov\u011bj\u0161\u00edch pr\u016fzkum\u016f m\u00e1 s n\u011bkter\u00fdm z \u00fav\u011brov\u00fdch produkt\u016f zku\u0161enost ka\u017ed\u00fd druh\u00fd \u010cech. Nen\u00ed tak asi zapot\u0159eb\u00ed jednotliv\u00e9 typy \u00fav\u011bru n\u011bjak zdlouhav\u011b p\u0159edstavovat. V\u011bt\u0161inou je najdete v nab\u00eddce ka\u017ed\u00e9 banky i nebankovn\u00ed spole\u010dnosti. Nab\u00eddka a podm\u00ednky jednotliv\u00fdch \u00fav\u011br\u016f se li\u0161\u00ed banku od banky. P\u0159esto jsou n\u011bkter\u00e9 z\u00e1kladn\u00ed podm\u00ednky, kter\u00e9 je pot\u0159eba pro z\u00edsk\u00e1n\u00ed splnit. V\u011bk … Continue reading D\u016fvody, kter\u00e9 vedou banku k zam\u00edtnut\u00ed \u00fav\u011bru<\/span><\/a>","datePublished":"2021-04-12","dateModified":"2021-04-12","author":{"@type":"Person","@id":"https:\/\/www.pehak.cz\/author\/#Person","name":"","url":"https:\/\/www.pehak.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8e6cbe5510d042e6a0b15162e198f2fd22eed76a4b5a1734d2174c652daccabc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8e6cbe5510d042e6a0b15162e198f2fd22eed76a4b5a1734d2174c652daccabc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pehak.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pehak.cz\/wp-content\/uploads\/postupn%C3%BD%20r%C5%AFst.jpg","url":"https:\/\/www.pehak.cz\/wp-content\/uploads\/postupn%C3%BD%20r%C5%AFst.jpg","height":0,"width":0},"url":"https:\/\/www.pehak.cz\/duvody-ktere-vedou-banku-k-zamitnuti-uveru\/","about":["Www"],"wordCount":447,"articleBody":" Podle nejnov\u011bj\u0161\u00edch pr\u016fzkum\u016f m\u00e1 s n\u011bkter\u00fdm z \u00fav\u011brov\u00fdch produkt\u016f zku\u0161enost ka\u017ed\u00fd druh\u00fd \u010cech. Nen\u00ed tak asi zapot\u0159eb\u00ed jednotliv\u00e9 typy \u00fav\u011bru n\u011bjak zdlouhav\u011b p\u0159edstavovat. V\u011bt\u0161inou je najdete v nab\u00eddce ka\u017ed\u00e9 banky i nebankovn\u00ed spole\u010dnosti. Nab\u00eddka a podm\u00ednky jednotliv\u00fdch \u00fav\u011br\u016f se li\u0161\u00ed banku od banky. P\u0159esto jsou n\u011bkter\u00e9 z\u00e1kladn\u00ed podm\u00ednky, kter\u00e9 je pot\u0159eba pro z\u00edsk\u00e1n\u00ed splnit. V\u011bk \u017eadateleMinim\u00e1ln\u00ed v\u011bk pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru je v \u010cesk\u00e9 republice 18 let, to asi nikoho p\u0159\u00edli\u0161 nep\u0159ekvap\u00ed. I kdy\u017e je v tomto v\u011bku jen m\u00e1lokdo schopn\u00fd upsat se k tak velk\u00e9mu z\u00e1vazku. Nejvy\u0161\u0161\u00ed mo\u017en\u00fd v\u011bk, kdy je mo\u017en\u00e9 o \u00fav\u011br v bance je\u0161t\u011b po\u017e\u00e1dat, nen\u00ed p\u0159esn\u011b definovan\u00fd a je tedy na samotn\u00e9m uv\u00e1\u017een\u00ed \u017eadatele a samoz\u0159ejm\u011b na intern\u00edch podm\u00ednk\u00e1ch dan\u00e9 instituce. \u010cNB doporu\u010duje horn\u00ed v\u011bkovou hranici, do kdy m\u00e1 b\u00fdt \u00fav\u011br placen, kter\u00e1 je aktu\u00e1ln\u011b 65 let. \u0158ada spole\u010dnost\u00ed se v\u0161ak t\u00edmto doporu\u010den\u00edm ne\u0159\u00edd\u00ed a m\u00e1 nastavenou svou vlastn\u00ed horn\u00ed v\u011bkovou hranici. Nedostate\u010dn\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjemPravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem \u017eadatel je pro banku kl\u00ed\u010dov\u00fd. V p\u0159\u00edpad\u011b, kdy \u017eadatel nen\u00ed schopen dolo\u017eit v\u00fd\u0161i sv\u00fdm pravideln\u00fdch m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f, bude na n\u011bj banka pohl\u00ed\u017eet jako na ned\u016fv\u011bryhodn\u00e9ho a s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed \u00fav\u011br zam\u00edtne. Celkov\u00e1 v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f se po\u010d\u00edt\u00e1 z p\u0159\u00edjm\u016f ze zam\u011bstn\u00e1n\u00ed, samostatn\u011b v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti a n\u011bkter\u00e9 instituce dokonce berou v potaz i p\u0159\u00edjmy z pron\u00e1jm\u016f nemovitost\u00ed. Naopak starobn\u00ed d\u016fchod, soci\u00e1ln\u00ed d\u00e1vky nebo p\u0159\u00edsp\u011bvek v mate\u0159stv\u00ed banky neakceptuj\u00ed.Z\u00e1znamy v registrechNa\u0161e platebn\u00ed mor\u00e1lka je pravideln\u011b zaznamen\u00e1v\u00e1na v registrech dlu\u017en\u00edk\u016f. Za pravideln\u00e9 spl\u00e1cen\u00ed sv\u00fdch z\u00e1vazk\u016f z\u00edsk\u00e1v\u00e1me plusov\u00e9 body, kter\u00e9 n\u00e1m n\u00e1sledn\u011b mohou pomoci p\u0159i \u017e\u00e1dostech o \u00fav\u011br. V p\u0159\u00edpad\u011b, kdy jsme se ocitli v situaci, kdy nebylo mo\u017en\u00e9 dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, s na\u0161imi \u00fadaji se objev\u00ed i negativn\u00ed z\u00e1znam. Ten je pro banku jasn\u00fdm sign\u00e1lem k zam\u00edtnut\u00ed \u017e\u00e1dosti. V takov\u00e9m p\u0159\u00edpad\u011b ale mohou pomoci nebankovn\u00ed spole\u010dnosti a jejich nab\u00eddka v podob\u011b spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f nebo nebankovn\u00ed hypot\u00e9ky. 3.9\/5 - (10 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.pehak.cz\/duvody-ktere-vedou-banku-k-zamitnuti-uveru\/#breadcrumbitem"}]}]