[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.schikaneder.cz\/neprustrelne-duvody-pro-zamitnuti-uveru\/#Article","mainEntityOfPage":"https:\/\/www.schikaneder.cz\/neprustrelne-duvody-pro-zamitnuti-uveru\/","headline":"Nepr\u016fst\u0159eln\u00e9 d\u016fvody pro zam\u00edtnut\u00ed \u00fav\u011bru","name":"Nepr\u016fst\u0159eln\u00e9 d\u016fvody pro zam\u00edtnut\u00ed \u00fav\u011bru","description":"Vy\u0159\u00edzen\u00ed p\u016fj\u010dky v bance b\u00fdv\u00e1 mnohdy n\u00e1ro\u010dn\u011bj\u0161\u00ed, ne\u017e se na prvn\u00ed pohled m\u016f\u017ee zd\u00e1t. \u0158ada bank je\u0161t\u011b v dne\u0161n\u00ed dob\u011b nenab\u00edz\u00ed sjedn\u00e1n\u00ed online, n\u00e1v\u0161t\u011bv\u011b banky se tedy nevyhnete. S \u017e\u00e1dost\u00ed o \u00fav\u011br je tak\u00e9 spojen\u00e1 \u0159ada pap\u00edrov\u00e1n\u00ed a tolik nen\u00e1vid\u011bn\u00e9 byrokracie mnohdy s nejist\u00fdm c\u00edlem. Na co si p\u0159i \u017e\u00e1dosti","datePublished":"2021-03-16","dateModified":"2023-05-11","author":{"@type":"Person","@id":"https:\/\/www.schikaneder.cz\/author\/#Person","name":"","url":"https:\/\/www.schikaneder.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d3163b56da0fbe010a5181dcf7396b9bd721056c768c8d190d293b864efe53fe?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d3163b56da0fbe010a5181dcf7396b9bd721056c768c8d190d293b864efe53fe?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"schikaneder.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.schikaneder.cz\/wp-content\/uploads\/sloupe%C4%8Dek%20pen%C4%9Bz_3.jpg","url":"https:\/\/www.schikaneder.cz\/wp-content\/uploads\/sloupe%C4%8Dek%20pen%C4%9Bz_3.jpg","height":0,"width":0},"url":"https:\/\/www.schikaneder.cz\/neprustrelne-duvody-pro-zamitnuti-uveru\/","about":["Internet"],"wordCount":405,"articleBody":"      Vy\u0159\u00edzen\u00ed p\u016fj\u010dky v bance b\u00fdv\u00e1 mnohdy n\u00e1ro\u010dn\u011bj\u0161\u00ed, ne\u017e se na prvn\u00ed pohled m\u016f\u017ee zd\u00e1t. \u0158ada bank je\u0161t\u011b v dne\u0161n\u00ed dob\u011b nenab\u00edz\u00ed sjedn\u00e1n\u00ed online, n\u00e1v\u0161t\u011bv\u011b banky se tedy nevyhnete. S \u017e\u00e1dost\u00ed o \u00fav\u011br je tak\u00e9 spojen\u00e1 \u0159ada pap\u00edrov\u00e1n\u00ed a tolik nen\u00e1vid\u011bn\u00e9 byrokracie mnohdy s nejist\u00fdm c\u00edlem. Na co si p\u0159i \u017e\u00e1dosti o \u00fav\u011br d\u00e1t pozor? Zku\u0161enosti s n\u011bkter\u00fdm z \u00fav\u011brov\u00fdch produkt\u016f m\u00e1 podle v\u00fdzkum\u016f ka\u017ed\u00fd druh\u00fd \u010cech. Nen\u00ed se \u010demu divit, \u00fav\u011brov\u00e9 produkty pat\u0159\u00ed mezi nejv\u00edce vyu\u017e\u00edvaj\u00edc\u00ed. I kdy\u017e je nyn\u00ed na trhu p\u0159ebytek likvidity a banky se sna\u017e\u00ed doslova bojovat o ka\u017ed\u00e9ho nov\u00e9ho klienta, podm\u00ednky \u0159ady \u00fav\u011brov\u00fdch produkt\u016f se velmi zp\u0159\u00edsnily a to hlavn\u011b po novele z\u00e1kona v roce 2016. Kdy \u010cNB nastavila podm\u00ednky pro bankovn\u00ed i nebankovn\u00ed subjekty, kter\u00e9 mus\u00ed dodr\u017eovat. Za zam\u00edtnut\u00fdm \u00fav\u011brem tak mnohdy nestoj\u00ed neochota v\u011b\u0159itel\u016f, ale slo\u017eit\u011b nastaven\u00e9 podm\u00ednky, kter\u00e9 chr\u00e1n\u00ed nejenom dlu\u017en\u00edka, ale i samotn\u00e9 v\u011b\u0159itele. N\u00edzk\u00e1 bonita \u017eadateleBonita znamen\u00e1 ve zkratce schopnost \u017eadatele dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm. Pokud ve\u0161ker\u00e9 sv\u00e9 pohled\u00e1vky \u017eadatel spl\u00e1c\u00ed pravideln\u011b, m\u00e1 stabiln\u00ed p\u0159\u00edjem a kontrolovateln\u00fd odtok pen\u011bz, jeho \u0161ance na \u00fav\u011br jsou vysok\u00e9. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b, jsou v\u0161ak bankovn\u00ed spole\u010dnosti velmi striktn\u00ed a takov\u00fd \u017eadatel odejde s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed z banky s nepo\u0159\u00edzenou. M\u00e1lo bonitn\u00ed \u017eadatel\u00e9, kter\u00fdm banka z n\u011bjak\u00e9ho d\u016fvodu zam\u00edtla \u017e\u00e1dost o \u00fav\u011br, v\u0161ak nemusej\u00ed zoufat. Existuje cel\u00e1 \u0159ada spole\u010dnost\u00ed v nebankovn\u00edm sektoru, kte\u0159\u00ed na takov\u00e9 klienty \u010dekaj\u00ed p\u0159\u00edmo s otev\u0159enou n\u00e1ru\u010di. \u0158ada z nich se p\u0159itom nespecializuje pouze na mal\u00e9 spot\u0159ebitelsk\u00e9 \u00fav\u011bry, ale nab\u00edzej\u00ed i daleko vy\u0161\u0161\u00ed hypote\u010dn\u00ed \u00fav\u011bry. Nebankovn\u00ed hypot\u00e9ka je tak mo\u017en\u00e1 posledn\u00ed \u0161ance pro rizikov\u00e9 \u017eadatele, kte\u0159\u00ed si cht\u011bj\u00ed splnit sen o vlastn\u00edm bydlen\u00ed. Nespln\u011bn\u00ed podm\u00ednek v\u011b\u0159iteleKa\u017ed\u00fd v\u011b\u0159itel si sv\u00e9 podm\u00ednky \u00fav\u011brov\u00fdch produkt\u016f stanovuje individu\u00e1ln\u011b. Pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem, plnoletost nebo vlastn\u00ed bankovn\u00ed \u00fa\u010det ov\u0161em vy\u017eaduj\u00ed t\u00e9m\u011b\u0159 v\u0161ichni v\u011b\u0159itel\u00e9.                                                                                                                                                                                                                                                                                                                                                                                           4.4\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nepr\u016fst\u0159eln\u00e9 d\u016fvody pro zam\u00edtnut\u00ed \u00fav\u011bru","item":"https:\/\/www.schikaneder.cz\/neprustrelne-duvody-pro-zamitnuti-uveru\/#breadcrumbitem"}]}]