[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sonico.cz\/duvody-diky-kterym-muze-banka-zamitnout-zadost-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.sonico.cz\/duvody-diky-kterym-muze-banka-zamitnout-zadost-o-uver\/","headline":"D\u016fvody, d\u00edky kter\u00fdm m\u016f\u017ee banka zam\u00edtnout \u017e\u00e1dost o \u00fav\u011br","name":"D\u016fvody, d\u00edky kter\u00fdm m\u016f\u017ee banka zam\u00edtnout \u017e\u00e1dost o \u00fav\u011br","description":"Po\u017e\u00e1dat o p\u016fj\u010dku m\u016f\u017ee kdokoliv a kdykoliv. Ov\u0161em jestli nakonec \u017eadatel p\u016fj\u010dku z\u00edsk\u00e1, je v rukou samotn\u00e9 banky. Pro schv\u00e1len\u00ed \u00fav\u011bru je toti\u017e zapot\u0159eb\u00ed splnit z\u00e1konn\u00e9 podm\u00ednky i podm\u00ednky dan\u00e9 samotn\u00fdm v\u011b\u0159itelem. P\u0159ib\u00fdv\u00e1 st\u00e1le v\u00edce zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed a to hlavn\u011b z d\u016fvodu novely spot\u0159ebitelsk\u00e9ho z\u00e1kona, kter\u00fd pravideln\u011b upravuje \u010cesk\u00e1 n\u00e1rodn\u00ed banka. Naposledy tento z\u00e1kon pro\u0161el novelou v dubnu 2020, kdy \u010cesk\u00e1 n\u00e1rodn\u00ed banka reagovala na aktu\u00e1ln\u00ed na\u0159\u00edzen\u00ed vl\u00e1dy. Za zam\u00edtnut\u00fdm \u00fav\u011brem je tak zapot\u0159eb\u00ed hledat sp\u00ed\u0161e slo\u017eit\u011b nastaven\u00e9 podm\u00ednky, nikoliv neochotu bank p\u016fj\u010dovat. Poj\u010fme se spole\u010dn\u011b pod\u00edvat na nej\u010dast\u011bj\u0161\u00ed d\u016fvody, kter\u00e9 vedou banky k zam\u00edtnut\u00ed \u00fav\u011bru. 1. V\u011bk \u017eadatele V \u010cesk\u00e9 republice je mo\u017en\u00e9 \u017e\u00e1dat o \u00fav\u011br po dovr\u0161en\u00ed 18 roku \u017eivota. Nejvy\u0161\u0161\u00ed hranice pak z\u00e1konem u\u017e nijak stanoven\u00e1 nen\u00ed, je v\u0161ak dobr\u00e9 se orientovat pomoc\u00ed doporu\u010den\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky. Ta sice nestanovuje nejvy\u0161\u0161\u00ed mo\u017enou v\u011bkovou hranici pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru, ale hranici, do kdy je zapot\u0159eb\u00ed \u00fav\u011br splatit. Ta se v sou\u010dasn\u00e9 dob\u011b pohybuje kolem 65 let, \u0159ada poskytovatel\u016f \u00fav\u011br\u016f v\u0161ak na toto doporu\u010den\u00ed nebere z\u0159etel a \u0159\u00edd\u00ed se podle vlastn\u00edch intern\u00edch podm\u00ednek. 2. M\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem Aby bylo mo\u017en\u00e9 \u00fav\u011br spolehliv\u011b spl\u00e1cet, je zapot\u0159eb\u00ed pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem \u017eadatele. Pokud v\u0161ak nen\u00ed schopen dolo\u017eit v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f nebo jsou nedostate\u010dn\u00e9, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed banka p\u0159istoup\u00ed k zam\u00edtnut\u00ed \u017e\u00e1dosti. Na\u0161t\u011bst\u00ed jsou tu ale st\u00e1le nebankovn\u00ed spole\u010dnosti, kte\u0159\u00ed \u010dekaj\u00ed na takov\u00e9 \u017eadatele s otev\u0159enou n\u00e1ru\u010d\u00ed. Sly\u0161eli jste u\u017e nap\u0159\u00edklad o hypot\u00e9ce bez p\u0159\u00edjmu? \u017de ne? Tak nev\u00e1hejte, stoj\u00ed za va\u0161\u00ed pozornost. 3. Registry dlu\u017en\u00edk\u016f Banky prov\u011b\u0159uj\u00ed \u017eadatele i z hlediska jejich minul\u00fdch \u010di sou\u010dasn\u00fdch z\u00e1vazk\u016f. K takov\u00e9mu \u00fa\u010delu slou\u017e\u00ed registry dlu\u017en\u00edk\u016f, do kter\u00fdch maj\u00ed bankovn\u00ed i nebankovn\u00ed instituce p\u0159\u00edstup. Pokud negativn\u00ed z\u00e1znam objev\u00ed, je to pro banku jasn\u00fd sign\u00e1l nespolehlivosti \u017eadatele. 4.2\/5 - (10 votes)","datePublished":"2020-07-07","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.sonico.cz\/author\/#Person","name":"","url":"https:\/\/www.sonico.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b70ca3e57a61efa655568ea1bab21ec867ae74beaf8b182b9ca53fe6fcb8cee7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b70ca3e57a61efa655568ea1bab21ec867ae74beaf8b182b9ca53fe6fcb8cee7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sonico.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/sonico.cz\/wp-content\/uploads\/kl%C3%AD%C4%8De%20od%20domu_10_6.jpg","url":"https:\/\/sonico.cz\/wp-content\/uploads\/kl%C3%AD%C4%8De%20od%20domu_10_6.jpg","height":"","width":""},"url":"https:\/\/www.sonico.cz\/duvody-diky-kterym-muze-banka-zamitnout-zadost-o-uver\/","about":["Neza\u0159azen\u00e9"],"wordCount":392,"articleBody":"     Po\u017e\u00e1dat o p\u016fj\u010dku m\u016f\u017ee kdokoliv a kdykoliv. Ov\u0161em jestli nakonec \u017eadatel p\u016fj\u010dku z\u00edsk\u00e1, je v rukou samotn\u00e9 banky. Pro schv\u00e1len\u00ed \u00fav\u011bru je toti\u017e zapot\u0159eb\u00ed splnit z\u00e1konn\u00e9 podm\u00ednky i podm\u00ednky dan\u00e9 samotn\u00fdm v\u011b\u0159itelem. P\u0159ib\u00fdv\u00e1 st\u00e1le v\u00edce zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed a to hlavn\u011b z d\u016fvodu novely spot\u0159ebitelsk\u00e9ho z\u00e1kona, kter\u00fd pravideln\u011b upravuje \u010cesk\u00e1 n\u00e1rodn\u00ed banka. Naposledy tento z\u00e1kon pro\u0161el novelou v dubnu 2020, kdy \u010cesk\u00e1 n\u00e1rodn\u00ed banka reagovala na aktu\u00e1ln\u00ed na\u0159\u00edzen\u00ed vl\u00e1dy. Za zam\u00edtnut\u00fdm \u00fav\u011brem je tak zapot\u0159eb\u00ed hledat sp\u00ed\u0161e slo\u017eit\u011b nastaven\u00e9 podm\u00ednky, nikoliv neochotu bank p\u016fj\u010dovat. Poj\u010fme se spole\u010dn\u011b pod\u00edvat na nej\u010dast\u011bj\u0161\u00ed d\u016fvody, kter\u00e9 vedou banky k zam\u00edtnut\u00ed \u00fav\u011bru. 1. V\u011bk \u017eadateleV \u010cesk\u00e9 republice je mo\u017en\u00e9 \u017e\u00e1dat o \u00fav\u011br po dovr\u0161en\u00ed 18 roku \u017eivota. Nejvy\u0161\u0161\u00ed hranice pak z\u00e1konem u\u017e nijak stanoven\u00e1 nen\u00ed, je v\u0161ak dobr\u00e9 se orientovat pomoc\u00ed doporu\u010den\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky. Ta sice nestanovuje nejvy\u0161\u0161\u00ed mo\u017enou v\u011bkovou hranici pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru, ale hranici, do kdy je zapot\u0159eb\u00ed \u00fav\u011br splatit. Ta se v sou\u010dasn\u00e9 dob\u011b pohybuje kolem 65 let, \u0159ada poskytovatel\u016f \u00fav\u011br\u016f v\u0161ak na toto doporu\u010den\u00ed nebere z\u0159etel a \u0159\u00edd\u00ed se podle vlastn\u00edch intern\u00edch podm\u00ednek. 2. M\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjemAby bylo mo\u017en\u00e9 \u00fav\u011br spolehliv\u011b spl\u00e1cet, je zapot\u0159eb\u00ed pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem \u017eadatele. Pokud v\u0161ak nen\u00ed schopen dolo\u017eit v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f nebo jsou nedostate\u010dn\u00e9, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed banka p\u0159istoup\u00ed k zam\u00edtnut\u00ed \u017e\u00e1dosti. Na\u0161t\u011bst\u00ed jsou tu ale st\u00e1le nebankovn\u00ed spole\u010dnosti, kte\u0159\u00ed \u010dekaj\u00ed na takov\u00e9 \u017eadatele s otev\u0159enou n\u00e1ru\u010d\u00ed. Sly\u0161eli jste u\u017e nap\u0159\u00edklad o hypot\u00e9ce bez p\u0159\u00edjmu? \u017de ne? Tak nev\u00e1hejte, stoj\u00ed za va\u0161\u00ed pozornost. 3. Registry dlu\u017en\u00edk\u016fBanky prov\u011b\u0159uj\u00ed \u017eadatele i z hlediska jejich minul\u00fdch \u010di sou\u010dasn\u00fdch z\u00e1vazk\u016f. K takov\u00e9mu \u00fa\u010delu slou\u017e\u00ed registry dlu\u017en\u00edk\u016f, do kter\u00fdch maj\u00ed bankovn\u00ed i nebankovn\u00ed instituce p\u0159\u00edstup. Pokud negativn\u00ed z\u00e1znam objev\u00ed, je to pro banku jasn\u00fd sign\u00e1l nespolehlivosti \u017eadatele.                                                                                                                                                                                                                                                                                                                                                                                           4.2\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"D\u016fvody, d\u00edky kter\u00fdm m\u016f\u017ee banka zam\u00edtnout \u017e\u00e1dost o \u00fav\u011br","item":"https:\/\/www.sonico.cz\/duvody-diky-kterym-muze-banka-zamitnout-zadost-o-uver\/#breadcrumbitem"}]}]