[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lastavica.cz\/neprustrelne-duvody-ktere-zhati-zadost-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.lastavica.cz\/neprustrelne-duvody-ktere-zhati-zadost-o-uver\/","headline":"Nepr\u016fst\u0159eln\u00e9 d\u016fvody, kter\u00e9 zhat\u00ed \u017e\u00e1dost o \u00fav\u011br","name":"Nepr\u016fst\u0159eln\u00e9 d\u016fvody, kter\u00e9 zhat\u00ed \u017e\u00e1dost o \u00fav\u011br","description":"Vy\u0159\u00edzen\u00ed p\u016fj\u010dky neb\u00fdv\u00e1 v\u017edy jednoduch\u00e9 a mnohdy se tak m\u016f\u017ee st\u00e1t, \u017ee i mal\u00e1 chyba … ","datePublished":"2020-10-24","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.lastavica.cz\/author\/#Person","name":"","url":"https:\/\/www.lastavica.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lastavica.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lastavica.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_5.jpg","url":"https:\/\/www.lastavica.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_5.jpg","height":0,"width":0},"url":"https:\/\/www.lastavica.cz\/neprustrelne-duvody-ktere-zhati-zadost-o-uver\/","about":["Finance"],"wordCount":433,"articleBody":"         Vy\u0159\u00edzen\u00ed p\u016fj\u010dky neb\u00fdv\u00e1 v\u017edy jednoduch\u00e9 a mnohdy se tak m\u016f\u017ee st\u00e1t, \u017ee i mal\u00e1 chyba nakonec m\u016f\u017ee ovlivnit, zda \u00fav\u011br z\u00edsk\u00e1te \u010di nikoliv. Na co si tedy d\u00e1t p\u0159\u00ed sjedn\u00e1v\u00e1n\u00ed pozor?Je alarmuj\u00edc\u00ed, \u017ee ka\u017ed\u00fd druh\u00fd \u010cech je nebo byl v minulosti zat\u00ed\u017een \u00fav\u011brem. Nen\u00ed se v\u0161ak \u010demu divit, ceny neust\u00e1le nar\u016fstaj\u00ed a na\u0161e spole\u010dnost si v posledn\u00edch letech zvykla \u017e\u00edt na dluh. V\u0161e chceme okam\u017eit\u011b a pr\u00e1v\u011b nejr\u016fzn\u011bj\u0161\u00ed p\u016fj\u010dky n\u00e1m k takov\u00e9mu \u017eivotu snadno dopomohu. Ov\u0161em p\u0159ib\u00fdv\u00e1 i lid\u00ed, kte\u0159\u00ed rychl\u00fdmi p\u016fj\u010dkami \u0159e\u0161\u00ed nahodil\u00e9 a ne\u010dekan\u00e9 v\u00fddaje, na kter\u00e9 jim zkr\u00e1tka v rodinn\u00e9m rozpo\u010dtu nevyzb\u00fdv\u00e1. I kdy\u017e ka\u017ed\u00fdm rokem roste po\u010det zadlu\u017een\u00fdch lid\u00ed, s geometrickou \u0159adou roste i zam\u00edtnut\u00ed \u017e\u00e1dost\u00ed o \u00fav\u011br. Poj\u010fme se spole\u010dn\u011b pod\u00edvat na nej\u010dast\u011bj\u0161\u00ed d\u016fvody, kter\u00e9 vedou k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br. Nedostate\u010dn\u00e1 bonita \u017eadatele\u00dav\u011brov\u00fd trh je v posledn\u00edch letech p\u0159ehlcen nab\u00eddkami \u00fav\u011br\u016f a banky se mezi sebou samoz\u0159ejm\u011b p\u0159etahuj\u00ed o ka\u017ed\u00e9ho klienta. P\u0159esto p\u0159i \u017e\u00e1dosti o \u00fav\u011br v bance mus\u00ed ka\u017ed\u00fd \u017eadatel proj\u00edt nastaven\u00fdmi m\u011b\u0159\u00edtky banky. Ty zkoumaj\u00ed jeho bonitu a na z\u00e1klad\u011b n\u00ed pak vyhodnocuj\u00ed, zda m\u00e1 \u017eadatel na \u00fav\u011br n\u00e1rok. Nespln\u011bn\u00e9 podm\u00ednkyKrom bonity je d\u016fle\u017eit\u00e9 splnit i dal\u0161\u00ed podm\u00ednky, kter\u00e9 bank\u00e1m p\u0159edur\u010duje z\u00e1kon. Prvn\u00ed z nich je plnoletost, pokud tedy \u017eadateli je m\u00e9n\u011b ne\u017e 18 let o p\u016fj\u010dku zkr\u00e1tka \u017e\u00e1dat nem\u016f\u017ee. D\u016fle\u017eit\u00e9 je i trval\u00e9 bydli\u0161t\u011b na \u00fazem\u00ed \u010cesk\u00e9 republiky a v neposledn\u00ed \u0159ad\u011b pravideln\u00fd p\u0159\u00edjem. Banka nenab\u00eddne \u00fav\u011br ani \u017eadateli, kter\u00fd m\u00e1 negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f. Pokud se v\u0161ak jedn\u00e1 o men\u0161\u00ed dlu\u017en\u00e9 \u010d\u00e1stky, m\u016f\u017eete se zkusit s bankou domluvit. V takov\u00e9m p\u0159\u00edpad\u011b ale po\u010d\u00edtejte s vy\u0161\u0161\u00ed \u00farokovou sazbou, nebo\u0165 jste v tu chv\u00edli pro banku rizikov\u00fdm klientem. N\u011bkdy ale banka m\u016f\u017ee \u00fav\u011br zam\u00edtnout, co\u017e rozhodn\u011b nen\u00ed p\u0159\u00edjemn\u00e9. Nebankovn\u00ed spole\u010dnosti ale mnohdy nab\u00edz\u00ed \u0159e\u0161en\u00ed pro \u017eadatele, kter\u00fdm byl z n\u011bjak\u00e9ho d\u016fvodu \u00fav\u011br v bance zam\u00edtnut. Nebankovn\u00ed hypot\u00e9ky bez registru jist\u011b stoj\u00ed za pov\u0161imnut\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nepr\u016fst\u0159eln\u00e9 d\u016fvody, kter\u00e9 zhat\u00ed \u017e\u00e1dost o \u00fav\u011br","item":"https:\/\/www.lastavica.cz\/neprustrelne-duvody-ktere-zhati-zadost-o-uver\/#breadcrumbitem"}]}]