[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.littlecarp.cz\/kdy-a-proc-muze-banka-zamitnout-uver\/#Article","mainEntityOfPage":"https:\/\/www.littlecarp.cz\/kdy-a-proc-muze-banka-zamitnout-uver\/","headline":"Kdy a pro\u010d m\u016f\u017ee banka zam\u00edtnout \u00fav\u011br?","name":"Kdy a pro\u010d m\u016f\u017ee banka zam\u00edtnout \u00fav\u011br?","description":"Banky jsou p\u0159i sjedn\u00e1v\u00e1n\u00ed \u00fav\u011br\u016f nekompromisn\u00ed a jejich p\u0159esn\u011b nadefinovan\u00e9 tabulky ur\u010duj\u00ed, kdo na p\u016fj\u010dku dos\u00e1hne a kdo naopak odejde s nepo\u0159\u00edzenou. D\u016fle\u017eit\u00e1 je hlavn\u011b bonita \u017eadatele, kterou definuje hned n\u011bkolik faktor\u016f a ka\u017ed\u00fd z nich je pro banku d\u016fle\u017eit\u00fd. Bonita klienta vlastn\u011b znamen\u00e1 schopnost klienta dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm. S klesaj\u00edc\u00ed bonitou tak samoz\u0159ejm\u011b kles\u00e1 […]","datePublished":"2020-11-23","dateModified":"2023-07-14","author":{"@type":"Person","@id":"https:\/\/www.littlecarp.cz\/author\/#Person","name":"littlecarp.cz\n","url":"https:\/\/www.littlecarp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a414941ff2b86a79f1a70a433f21d60df00047fefe742a46b6fded139881a475?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a414941ff2b86a79f1a70a433f21d60df00047fefe742a46b6fded139881a475?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"littlecarp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.littlecarp.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_2.jpg","url":"https:\/\/www.littlecarp.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.littlecarp.cz\/kdy-a-proc-muze-banka-zamitnout-uver\/","about":["Domov"],"wordCount":427,"articleBody":"       Banky jsou p\u0159i sjedn\u00e1v\u00e1n\u00ed \u00fav\u011br\u016f nekompromisn\u00ed a jejich p\u0159esn\u011b nadefinovan\u00e9 tabulky ur\u010duj\u00ed, kdo na p\u016fj\u010dku dos\u00e1hne a kdo naopak odejde s nepo\u0159\u00edzenou. D\u016fle\u017eit\u00e1 je hlavn\u011b bonita \u017eadatele, kterou definuje hned n\u011bkolik faktor\u016f a ka\u017ed\u00fd z nich je pro banku d\u016fle\u017eit\u00fd. Bonita klienta vlastn\u011b znamen\u00e1 schopnost klienta dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm. S klesaj\u00edc\u00ed bonitou tak samoz\u0159ejm\u011b kles\u00e1 i \u0161ance na z\u00edsk\u00e1n\u00ed \u00fav\u011bru. Jak\u00e9 jsou nej\u010dast\u011bj\u0161\u00ed p\u0159\u00ed\u010diny, kter\u00e9 vedou k ne\u00fasp\u011bchu? A mohu svou bonitu v\u016fbec ovlivnit?Podobu spot\u0159ebitelsk\u00e9ho \u00fav\u011bru definuje z\u00e1kon, kter\u00fd byl ned\u00e1vno novelizov\u00e1n. Na trhu je v posledn\u00edch letech p\u0159ebytek likvidity a banky se neust\u00e1le p\u0159edh\u00e1n\u00ed, kdo p\u0159ijde s lep\u0161\u00ed a l\u00e1kav\u011bj\u0161\u00ed nab\u00eddkou na \u00fav\u011brov\u00e9 produkty. Ov\u0161em proti tomu stoj\u00ed legislativa, kter\u00e1 bank\u00e1m i nebankovn\u00edm spole\u010dnostem na\u0159izuje lustraci klient\u016f. Ty v\u00e1m mohou p\u016fj\u010dit a\u017e v p\u0159\u00edpad, kdy je dostate\u010dn\u011b p\u0159esv\u011bd\u010d\u00edte o to, \u017ee jste schopni dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, kter\u00e9 po podpisu smlouvy budete k v\u011b\u0159iteli m\u00edt. Klient by v opa\u010dn\u00e9m p\u0159\u00edpad\u011b mohl celou smlouvu napadnout, co\u017e by posl\u00e9ze mohlo m\u00edt nedoz\u00edrn\u00e9 n\u00e1sledky pro samotn\u00e9ho v\u011b\u0159itele. P\u0159itom neschopnost spl\u00e1cet nen\u00ed u dlu\u017en\u00edk\u016f neobvykl\u00fd jev a ka\u017ed\u00fdm rokem \u017e\u00e1dost\u00ed o oddlu\u017een\u00ed p\u0159ib\u00fdv\u00e1. Pro banku je podstatn\u00e9, zda dok\u00e1\u017ee \u017eadatel splatit dlu\u017enou \u010d\u00e1stku v cel\u00e9m jej\u00edm rozsahu. K tomu, aby tak mohl u\u010dinit je zapot\u0159eb\u00ed pravideln\u00fd p\u0159\u00edjem. Ten garantuje pracovn\u00ed smlouva na dobu neur\u010ditou. V p\u0159\u00edpad\u011b, kdy m\u00e1 \u017eadatel pracovn\u00ed smlouvu na dobu ur\u010ditou, nepravideln\u00fd nebo \u017e\u00e1dn\u00fd p\u0159\u00edjem, je ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b, m\u00e1 jen minim\u00e1ln\u00ed \u0161anci na \u00fasp\u011bch. Mo\u017en\u00e1 pr\u00e1v\u011b proto v posledn\u00edch letech prosperuj\u00ed nebankovn\u00ed spole\u010dnosti. Ty na takov\u00e9 \u017eadatele \u010dekaj\u00ed s otev\u0159enou n\u00e1ru\u010d\u00ed. Nab\u00edz\u00ed spot\u0159ebitelsk\u00e9 i hypote\u010dn\u00ed \u00fav\u011bry a dos\u00e1hnout na n\u011b nen\u00ed v\u016fbec slo\u017eit\u00e9. U hypote\u010dn\u00edho \u00fav\u011bru je ov\u0161em pot\u0159eba ru\u010dit nemovitost\u00ed, stejn\u011b jako je tomu v bance. Takov\u00fdm produktem je i americk\u00e1 hypot\u00e9ka, pen\u00edze z n\u00ed lze n\u00e1sledn\u011b \u010derpat na vlastn\u00ed bydlen\u00ed, cestov\u00e1n\u00ed nebo t\u0159eba studium.                                                                                                                                                                                                                                                                                                                                                                                           4.4\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy a pro\u010d m\u016f\u017ee banka zam\u00edtnout \u00fav\u011br?","item":"https:\/\/www.littlecarp.cz\/kdy-a-proc-muze-banka-zamitnout-uver\/#breadcrumbitem"}]}]