[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kurimai.cz\/z-jakych-pricin-zamitne-banka-zadost-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.kurimai.cz\/z-jakych-pricin-zamitne-banka-zadost-o-uver\/","headline":"Z jak\u00fdch p\u0159\u00ed\u010din zam\u00edtne banka \u017e\u00e1dost o \u00fav\u011br?","name":"Z jak\u00fdch p\u0159\u00ed\u010din zam\u00edtne banka \u017e\u00e1dost o \u00fav\u011br?","description":"Zam\u00edtla v\u00e1m banka \u017e\u00e1dost o \u00fav\u011br a v\u00e1m zbyly jen o\u010di pro pl\u00e1\u010d? Diskvalifika\u010dn\u00edch faktor\u016f m\u016f\u017ee b\u00fdt hned n\u011bkolik, my si dnes p\u0159edstav\u00edme ty nepr\u016fst\u0159eln\u00e9, kter\u00e9 pov\u011bt\u0161inou vedou k zam\u00edtnut\u00ed u ka\u017ed\u00e9 bankovn\u00ed spole\u010dnosti. V sou\u010dasn\u00e9 dob\u011b je na trhu p\u0159ebytek likvidity a p\u0159esto p\u0159ib\u00fdv\u00e1 zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. Bankovn\u00ed i nebankovn\u00ed poskytovatel\u00e9 \u00fav\u011br\u016f by cht\u011bli p\u016fj\u010dovat, […]","datePublished":"2021-06-21","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.kurimai.cz\/author\/#Person","name":"","url":"https:\/\/www.kurimai.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/93f351f97d5e20a41105810347d62b8b573eebe9313df1f71432877ed17f5f1a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/93f351f97d5e20a41105810347d62b8b573eebe9313df1f71432877ed17f5f1a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kurimai.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kurimai.cz\/wp-content\/uploads\/nov%C3%BD%20domov_10_10_3.jpg","url":"https:\/\/www.kurimai.cz\/wp-content\/uploads\/nov%C3%BD%20domov_10_10_3.jpg","height":0,"width":0},"url":"https:\/\/www.kurimai.cz\/z-jakych-pricin-zamitne-banka-zadost-o-uver\/","about":["Ekonomika"],"wordCount":399,"articleBody":"       Zam\u00edtla v\u00e1m banka \u017e\u00e1dost o \u00fav\u011br a v\u00e1m zbyly jen o\u010di pro pl\u00e1\u010d? Diskvalifika\u010dn\u00edch faktor\u016f m\u016f\u017ee b\u00fdt hned n\u011bkolik, my si dnes p\u0159edstav\u00edme ty nepr\u016fst\u0159eln\u00e9, kter\u00e9 pov\u011bt\u0161inou vedou k zam\u00edtnut\u00ed u ka\u017ed\u00e9 bankovn\u00ed spole\u010dnosti. V sou\u010dasn\u00e9 dob\u011b je na trhu p\u0159ebytek likvidity a p\u0159esto p\u0159ib\u00fdv\u00e1 zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. Bankovn\u00ed i nebankovn\u00ed poskytovatel\u00e9 \u00fav\u011br\u016f by cht\u011bli p\u016fj\u010dovat, ale proti nim stoj\u00ed slo\u017eit\u00e1 legislativa, kter\u00e1 jim to neumo\u017en\u00ed. Z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru d\u00e1v\u00e1 za povinnost v\u0161em bankovn\u00edm i nebankovn\u00edm instituc\u00edm za povinnost d\u016fkladnou lustraci ka\u017ed\u00e9ho \u017eadatele. Pokud by tak z jak\u00e9hokoliv d\u016fvodu neu\u010dinily, mohlo by to pro n\u011b m\u00edt nedoz\u00edrn\u00e9 n\u00e1sledky. Dlu\u017en\u00edk by mohl celou smlouvu napadnout pro jej\u00ed neplatnost, a pokud by mu bylo d\u00e1no za pravdu, spl\u00e1cel by pouze dlu\u017enou \u010d\u00e1stku bez \u00farok\u016f a dal\u0161\u00edch poplatk\u016f. Za zam\u00edtnut\u00fdm \u00fav\u011brem tak hledejme sp\u00ed\u0161e slo\u017eit\u011b nastaven\u00e9 podm\u00ednky ne\u017e neochotu bank. Slo\u017eit\u011b nastaven\u00e1 legislativa v\u0161ak chr\u00e1n\u00ed nejenom poskytovatele \u00fav\u011br\u016f, ale i samotn\u00e9 \u017eadatele. Jak\u00e9 jsou tedy nej\u010dast\u011bj\u0161\u00ed d\u016fvody, kter\u00e9 poskytovatel\u00e9 \u00fav\u011br\u016f nut\u00ed k zam\u00edtnut\u00ed \u017e\u00e1dosti? Pracovn\u00ed smlouvaAby bylo mo\u017en\u00e9 \u00fav\u011br bez probl\u00e9m\u016f spl\u00e1cet, je zapot\u0159eb\u00ed stabiln\u00ed p\u0159\u00edjem. Ten by m\u011bl b\u00fdt nav\u00edc dolo\u017een pracovn\u00ed smlouvou na dobu neur\u010ditou. Pokud je \u017eadatel zam\u011bstn\u00e1n na konkr\u00e9tn\u00ed dobu, \u00fav\u011br mu m\u016f\u017ee b\u00fdt p\u0159esto schv\u00e1len. Mus\u00ed b\u00fdt v\u0161ak splacen je\u0161t\u011b p\u0159ed vypr\u0161en\u00edm pracovn\u00ed smlouvy. V p\u0159\u00edpad\u011b, kdy se \u017eadatel nach\u00e1z\u00ed ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b, na \u00fav\u011br nem\u00e1 \u0161anci v bankovn\u00ed instituci dos\u00e1hnout. Z\u00e1znamy v registrechNejeden negativn\u00ed z\u00e1znam v n\u011bkter\u00e9m z registr\u016f zhatit \u017e\u00e1dost o n\u011bkter\u00fd z \u00fav\u011brov\u00fdch produkt\u016f. Bankovn\u00ed spole\u010dnosti jsou v tomto ohledu ke sv\u00fdm \u017eadatel\u016fm striktn\u00ed. P\u0159esto je mo\u017en\u00e9 je\u0161t\u011b o \u00fav\u011br po\u017e\u00e1dat v n\u011bkter\u00e9 z nebankovn\u00edch spole\u010dnost\u00ed. Sly\u0161eli jste u\u017e o americk\u00e9 hypot\u00e9ce bez registru?                                                                                                                                                                                                                                                                                                                                                                                           4.1\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Z jak\u00fdch p\u0159\u00ed\u010din zam\u00edtne banka \u017e\u00e1dost o \u00fav\u011br?","item":"https:\/\/www.kurimai.cz\/z-jakych-pricin-zamitne-banka-zadost-o-uver\/#breadcrumbitem"}]}]