[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rphomole.cz\/nejcastejsi-duvody-ktere-vedou-banku-k-zamitnuti-uveru\/#Article","mainEntityOfPage":"https:\/\/www.rphomole.cz\/nejcastejsi-duvody-ktere-vedou-banku-k-zamitnuti-uveru\/","headline":"Nej\u010dast\u011bj\u0161\u00ed d\u016fvody, kter\u00e9 vedou banku k zam\u00edtnut\u00ed \u00fav\u011bru","name":"Nej\u010dast\u011bj\u0161\u00ed d\u016fvody, kter\u00e9 vedou banku k zam\u00edtnut\u00ed \u00fav\u011bru","description":"Zam\u00edtla v\u00e1m bankovn\u00ed spole\u010dnost \u017e\u00e1dost o \u00fav\u011br a vy za\u010d\u00edn\u00e1te propadat beznad\u011bji. Nejste v tom sami, bankovn\u00ed p\u016fj\u010dka je nastaven\u00e1 tak, aby j\u00ed nemohl z\u00edskat kdokoliv. Diskvalifika\u010dn\u00edch faktor\u016f je bezpo\u010det a nen\u00ed se tedy pot\u0159eba p\u0159\u00edli\u0161 sna\u017eit, aby \u017eadatel o p\u016fj\u010dku nakonec odch\u00e1zel z banky s nepo\u0159\u00edzenou. Jak\u00e9 jsou tedy nej\u010dast\u011bj\u0161\u00ed d\u016fvody k zam\u00edtnut\u00ed a […]","datePublished":"2021-02-19","dateModified":"2021-02-19","author":{"@type":"Person","@id":"https:\/\/www.rphomole.cz\/author\/#Person","name":"","url":"https:\/\/www.rphomole.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f677d652d46d6437b40497bee38030612d53a3103b24904f519be33cae485306?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f677d652d46d6437b40497bee38030612d53a3103b24904f519be33cae485306?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rphomole.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rphomole.cz\/wp-content\/uploads\/po%C4%8D%C3%ADt%C3%A1n%C3%AD%20pen%C4%9Bz_10_10_2.jpg","url":"https:\/\/www.rphomole.cz\/wp-content\/uploads\/po%C4%8D%C3%ADt%C3%A1n%C3%AD%20pen%C4%9Bz_10_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.rphomole.cz\/nejcastejsi-duvody-ktere-vedou-banku-k-zamitnuti-uveru\/","wordCount":403,"articleBody":"       Zam\u00edtla v\u00e1m bankovn\u00ed spole\u010dnost \u017e\u00e1dost o \u00fav\u011br a vy za\u010d\u00edn\u00e1te propadat beznad\u011bji. Nejste v tom sami, bankovn\u00ed p\u016fj\u010dka je nastaven\u00e1 tak, aby j\u00ed nemohl z\u00edskat kdokoliv. Diskvalifika\u010dn\u00edch faktor\u016f je bezpo\u010det a nen\u00ed se tedy pot\u0159eba p\u0159\u00edli\u0161 sna\u017eit, aby \u017eadatel o p\u016fj\u010dku nakonec odch\u00e1zel z banky s nepo\u0159\u00edzenou. Jak\u00e9 jsou tedy nej\u010dast\u011bj\u0161\u00ed d\u016fvody k zam\u00edtnut\u00ed a jak vylep\u0161it svou bonitu?Na trhu je v posledn\u00edch letech p\u0159ebytek likvidity, to znamen\u00e1 jen jedin\u00e9, banky mus\u00ed doslova bojovat o ka\u017ed\u00e9ho nov\u00e9ho klienta. Nen\u00ed se tak \u010demu divit, \u017ee neust\u00e1le p\u0159ich\u00e1zej\u00ed s nov\u00fdmi a v\u00fdhodn\u011bj\u0161\u00edmi nab\u00eddkami na \u00fav\u011brov\u00e9 produkty. Ov\u0161em bankovn\u00ed spole\u010dnosti jsou do jist\u00e9 m\u00edry limitov\u00e1ni a to z\u00e1konem o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kter\u00fd na\u0159izuje poskytovatel\u016fm prov\u011b\u0159it bonitu (schopnost spl\u00e1cet) je\u0161t\u011b p\u0159edt\u00edm ne\u017e m\u016f\u017ee b\u00fdt \u017e\u00e1dost o \u00fav\u011br schv\u00e1lena. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b by posl\u00e9ze mohla b\u00fdt cel\u00e1 smlouva napadnuta pro jej\u00ed neplatnost, co\u017e by m\u011blo pro takov\u00e9ho poskytovatele neblah\u00e9 n\u00e1sledky. Pracovn\u00ed smlouvaAby bylo mo\u017en\u00e9 sv\u00e9 z\u00e1vazky v\u016f\u010di bance plnit, je zapot\u0159eb\u00ed pravideln\u00fd p\u0159\u00edjem ze zam\u011bstn\u00e1n\u00ed, kter\u00fd do jist\u00e9 m\u00edry garantuje pracovn\u00ed smlouva na dobu neur\u010ditou. Pokud v\u0161ak \u017eadatel nen\u00ed schopen dolo\u017eit sv\u00e9 pravideln\u00e9 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed na p\u016fj\u010dku banky v\u016fbec nedos\u00e1hne. Podobn\u00fd z\u00e1v\u011br \u010dek\u00e1 i \u017eadatele s pracovn\u00ed smlouvou na dobu ur\u010ditou nebo v p\u0159\u00edpad\u011b, kdy se nach\u00e1z\u00ed ve zku\u0161ebn\u00ed \u010di v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b. Ve v\u0161ech p\u0159\u00edpadech nem\u00e1 banka dostate\u010dnou z\u00e1ruku, \u017ee bude \u017eadatel schopen spl\u00e1cet a tak nezb\u00fdv\u00e1 ne\u017e \u017e\u00e1dost o \u00fav\u011br zam\u00edtnout. Z\u00e1znamy v registrech dlu\u017en\u00edk\u016fPlatebn\u00ed mor\u00e1lka ka\u017ed\u00e9ho klienta je pravideln\u011b zaznamen\u00e1na v nejr\u016fzn\u011bj\u0161\u00edch registrech dlu\u017en\u00edk\u016f. I z tohoto d\u016fvodu se vyplat\u00ed sv\u00e9 pohled\u00e1vky platit v\u010das. Hypot\u00e9ka po insolvenci je pak mo\u017en\u00e1 jedin\u00fd zp\u016fsob, kdy si mohou p\u016fj\u010dit i nespolehliv\u00fd \u017eadatel\u00e9, za kter\u00fdmi banka zav\u0159ela dve\u0159e.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nej\u010dast\u011bj\u0161\u00ed d\u016fvody, kter\u00e9 vedou banku k zam\u00edtnut\u00ed \u00fav\u011bru","item":"https:\/\/www.rphomole.cz\/nejcastejsi-duvody-ktere-vedou-banku-k-zamitnuti-uveru\/#breadcrumbitem"}]}]