[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.syta.cz\/neprustrelne-duvody-pro-zamitnuti-uveru\/#Article","mainEntityOfPage":"https:\/\/www.syta.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":"V\u011bd\u011bli jste, \u017ee podle n\u011bkter\u00fdch statistik m\u00e1 skute\u010dnost s \u00fav\u011brov\u00fdm produktem ka\u017ed\u00fd druh\u00fd \u010cech? Dne\u0161n\u00ed doba tomu nav\u00edc je\u0161t\u011b p\u0159isp\u00edv\u00e1 a tak se nen\u00ed \u010demu divit,...","datePublished":"2021-08-20","dateModified":"2023-05-24","author":{"@type":"Person","@id":"https:\/\/www.syta.cz\/author\/#Person","name":"","url":"https:\/\/www.syta.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4e1219daed488a40aaae5f3a36d7a332441b6e7a97d465811f6633d3359f64e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4e1219daed488a40aaae5f3a36d7a332441b6e7a97d465811f6633d3359f64e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"syta.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.syta.cz\/wp-content\/uploads\/bal%C3%AD%C4%8Dek%20pen%C4%9Bz_10_4.jpg","url":"https:\/\/www.syta.cz\/wp-content\/uploads\/bal%C3%AD%C4%8Dek%20pen%C4%9Bz_10_4.jpg","height":0,"width":0},"url":"https:\/\/www.syta.cz\/neprustrelne-duvody-pro-zamitnuti-uveru\/","about":["Pen\u00edze"],"wordCount":404,"articleBody":"      V\u011bd\u011bli jste, \u017ee podle n\u011bkter\u00fdch statistik m\u00e1 skute\u010dnost s \u00fav\u011brov\u00fdm produktem ka\u017ed\u00fd druh\u00fd \u010cech? Dne\u0161n\u00ed doba tomu nav\u00edc je\u0161t\u011b p\u0159isp\u00edv\u00e1 a tak se nen\u00ed \u010demu divit, \u017ee \u010das od \u010dasu se m\u016f\u017ee t\u00e9m\u011b\u0159 ka\u017ed\u00fd dostat do situace, kdy nen\u00ed zrovna pen\u011bz na zbyt. Vy\u0159\u00edzen\u00ed \u00fav\u011bru rozhodn\u011b nen\u00ed tak jednoduch\u00e9, jak by se na prvn\u00ed pohled mohlo zd\u00e1t. P\u016fj\u010dku skute\u010dn\u011b nez\u00edsk\u00e1 ka\u017ed\u00fd, kdo si o n\u00ed p\u0159ijde do banky za\u017e\u00e1dat. Ba naopak po novele z\u00e1kona z roku 2018 je v mnoh\u00fdch ohledech je\u0161t\u011b slo\u017eit\u011bj\u0161\u00ed na \u00fav\u011br dos\u00e1hnout ne\u017e tomu bylo v minulosti. Poj\u010fme se pod\u00edvat na nepr\u016fst\u0159eln\u00e9 d\u016fvody, kdy banka pov\u011bt\u0161inou p\u0159istoup\u00ed k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br. N\u00edzk\u00e1 bonita \u017eadateleV sou\u010dasn\u00e9 dob\u011b je na trhu p\u0159ebytek likvidity a banky i nebankovn\u00ed spole\u010dnosti u\u017e n\u011bkolik let bojuj\u00ed doslova o ka\u017ed\u00e9ho nov\u00e9ho klienta. Neust\u00e1le se tak sna\u017e\u00ed p\u0159ich\u00e1zet s l\u00e1kav\u011bj\u0161\u00edmi nab\u00eddkami, kter\u00e9 by byly pro potencion\u00e1ln\u00ed \u017eadatele atraktivn\u00ed. Proti nim ov\u0161em stoj\u00ed z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru a dal\u0161\u00ed legislativa, kter\u00e1 d\u00e1v\u00e1 za povinnost poskytovatel\u016fm \u00fav\u011br\u016f d\u016fkladnou lustraci ka\u017ed\u00e9ho \u017eadatele. V p\u0159\u00edpad\u011b, \u017ee by tak neu\u010dinily, mohl by dlu\u017en\u00edk \u00fav\u011brovou smlouvu napadnout pro jej\u00ed neplatnost. Pokud by mu bylo d\u00e1no za pravdu, nad\u00e1le by spl\u00e1cel jen dlu\u017enou \u010d\u00e1stku dle sv\u00fdch finan\u010dn\u00edch mo\u017enost\u00ed bez nab\u00edhaj\u00edc\u00edch \u00farok\u016f. Bonitu \u017eadatele ovliv\u0148uje cel\u00e1 \u0159ada faktor\u016f, jako je v\u011bk, platebn\u00ed minulost, finan\u010dn\u00ed p\u0159\u00edjem, \u010di z\u00e1znamy v registrech dlu\u017en\u00edk\u016f. Nebankovn\u00ed spole\u010dnosti pro \u017eadatele se \u0161patnou finan\u010dn\u00ed minulost\u00ed nab\u00edz\u00ed t\u0159eba hypot\u00e9ku bez p\u0159\u00edjmu Nebankovni-hypoteky-uvery \u010di rychl\u00e9 spot\u0159ebitelsk\u00e9 \u00fav\u011bry.Nespln\u011bn\u00ed podm\u00ednekKa\u017ed\u00fd v\u011b\u0159itel m\u00e1 jinak nastaven\u00e9 podm\u00ednky pro schv\u00e1len\u00ed hypote\u010dn\u00edch \u010di spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f. D\u016fle\u017eit\u00e1 je plnoletost, nejvy\u0161\u0161\u00ed v\u011bkov\u00e1 hranice, kdy je mo\u017en\u00e9 \u017e\u00e1dat o \u00fav\u011br, z\u00e1kon nestanovuje. Nesm\u00edme zapomenout ani na registry dlu\u017en\u00edk\u016f, kter\u00e9 jsou mnohdy p\u0159\u00ed\u010dinou zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.7\/5 - (8 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.syta.cz\/neprustrelne-duvody-pro-zamitnuti-uveru\/#breadcrumbitem"}]}]