[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hztop.cz\/pripady-kdy-vam-banka-nepujci\/#Article","mainEntityOfPage":"https:\/\/www.hztop.cz\/pripady-kdy-vam-banka-nepujci\/","headline":"P\u0159\u00edpady, kdy v\u00e1m banka nep\u016fj\u010d\u00ed!","name":"P\u0159\u00edpady, kdy v\u00e1m banka nep\u016fj\u010d\u00ed!","description":"Chcete si splnit sen o vlastn\u00ed bydlen\u00ed, jedn\u00edm z \u0159e\u0161en\u00ed m\u016f\u017ee b\u00fdt pr\u00e1v\u011b volba \u0161ikovn\u00e9ho \u00fav\u011bru, kter\u00fd pom\u016f\u017eete tento sen financovat. Ka\u017ed\u00fdm rokem se v\u0161ak pravidla pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru zp\u0159\u00eds\u0148uj\u00ed a \u017eadatel\u00e9 tak odch\u00e1zej\u00ed z bankovn\u00edch dom\u016f s nepo\u0159\u00edzenou. Jak\u00e9 jsou d\u016fvody pro zam\u00edtnut\u00ed \u00fav\u011bru? Diskvalifika\u010dn\u00edm faktor\u016f m\u016f\u017ee b\u00fdt cel\u00e1 \u0159ada a v takov\u00fdch p\u0159\u00edpadech...","datePublished":"2020-12-14","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.hztop.cz\/author\/#Person","name":"","url":"https:\/\/www.hztop.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c0c0e488d5f88ebdb5e32a558e21f6df03f38644814b5677bcd67e16813bee55?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c0c0e488d5f88ebdb5e32a558e21f6df03f38644814b5677bcd67e16813bee55?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hztop.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.hztop.cz\/wp-content\/uploads\/sloupec%20pen%C4%9Bz_3.jpg","url":"https:\/\/www.hztop.cz\/wp-content\/uploads\/sloupec%20pen%C4%9Bz_3.jpg","height":0,"width":0},"url":"https:\/\/www.hztop.cz\/pripady-kdy-vam-banka-nepujci\/","about":["Pen\u00edze"],"wordCount":408,"articleBody":"      Chcete si splnit sen o vlastn\u00ed bydlen\u00ed, jedn\u00edm z \u0159e\u0161en\u00ed m\u016f\u017ee b\u00fdt pr\u00e1v\u011b volba \u0161ikovn\u00e9ho \u00fav\u011bru, kter\u00fd pom\u016f\u017eete tento sen financovat. Ka\u017ed\u00fdm rokem se v\u0161ak pravidla pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru zp\u0159\u00eds\u0148uj\u00ed a \u017eadatel\u00e9 tak odch\u00e1zej\u00ed z bankovn\u00edch dom\u016f s nepo\u0159\u00edzenou. Jak\u00e9 jsou d\u016fvody pro zam\u00edtnut\u00ed \u00fav\u011bru? Diskvalifika\u010dn\u00edm faktor\u016f m\u016f\u017ee b\u00fdt cel\u00e1 \u0159ada a v takov\u00fdch p\u0159\u00edpadech jsou banky velice nekompromisn\u00ed. Na trhu je v posledn\u00edch letech p\u0159ebytek likvidity, banky tak doslova bojuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta. St\u00e1le \u010dast\u011bji se tak m\u016f\u017eeme setk\u00e1vat s nov\u00fdmi a v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00edmi nab\u00eddkami u \u0159ady bankovn\u00edch i nebankovn\u00edch spole\u010dnost\u00ed. Ov\u0161em proti nim tak trochu stoj\u00ed p\u0159\u00edsn\u00e1 legislativa, kter\u00e1 p\u0159\u00edmo vymezuje, komu mohou banky \u00fav\u011br poskytnout. Ka\u017ed\u00fd \u017eadatel je nejd\u0159\u00edve podroben zdlouhav\u00e9mu schvalovac\u00edmu procesu, kter\u00fd zkoum\u00e1 zejm\u00e9na bonitu samotn\u00e9ho \u017eadatele. Banka v\u00e1m tak nikdy nem\u016f\u017ee \u00fav\u011br nab\u00eddnout, dokud si dostate\u010dn\u011b neprov\u011b\u0159\u00ed, zda jste schopni bez probl\u00e9mu spl\u00e1cet. Klient by posl\u00e9ze mohl celou smlouvu napadnout pro neplatnost, co\u017e by mohlo m\u00edt pro samotnou banku nedoz\u00edrn\u00e9 n\u00e1sledky. Zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br tak nen\u00ed jak\u00e1si neochota banky, ale pr\u00e1v\u011b p\u0159\u00edsn\u00e1 legislativa, kterou vymezuje z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru. Pracovn\u00ed smlouva na dobu neur\u010ditouJe vcelku pochopiteln\u00e9, \u017ee \u017eadatel mus\u00ed m\u00edt pravideln\u00ed p\u0159\u00edjem na to, aby mohl \u00fav\u011br bez probl\u00e9mu spl\u00e1cet. Pravideln\u00fd p\u0159\u00edjem mu garantuje pr\u00e1v\u011b pracovn\u00ed smlouva na dobu neur\u010ditou, kter\u00e1 p\u0159i schvalov\u00e1n\u00ed jak\u00e9hokoliv \u00fav\u011bru hraje velmi v\u00fdznamnou roli. Pokud \u017eadateli zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016fta v zam\u011bstn\u00e1n\u00ed, banka nem\u00e1 jistotu, \u017ee bude schopen dlouhodob\u011b spl\u00e1cet a takovou \u017e\u00e1dost zam\u00edtne. Z\u00e1znam v registruNegativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f m\u016f\u017ee b\u00fdt op\u011bt d\u016fvodem, pro\u010d banka \u017eadateli pen\u00edze zkr\u00e1tka nep\u016fj\u010d\u00ed. Jedin\u00fdm \u0159e\u0161en\u00edm pro tako \u017eadatele mohou b\u00fdt nebankovn\u00ed spole\u010dnosti, kter\u00e9 neberou negativn\u00ed z\u00e1znam v registru v potaz p\u0159i schvalov\u00e1n\u00ed \u00fav\u011bru. Hypot\u00e9ka bez registru tak m\u016f\u017ee b\u00fdt skv\u011blou volbou.                                                                                                                                                                                                                                                                                                                                                                                           3.8\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u0159\u00edpady, kdy v\u00e1m banka nep\u016fj\u010d\u00ed!","item":"https:\/\/www.hztop.cz\/pripady-kdy-vam-banka-nepujci\/#breadcrumbitem"}]}]