[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bsot.cz\/nejcastejsi-duvody-pro-zamitnuti-uveru\/#Article","mainEntityOfPage":"https:\/\/www.bsot.cz\/nejcastejsi-duvody-pro-zamitnuti-uveru\/","headline":"Nej\u010dast\u011bj\u0161\u00ed d\u016fvody pro zam\u00edtnut\u00ed \u00fav\u011bru","name":"Nej\u010dast\u011bj\u0161\u00ed d\u016fvody pro zam\u00edtnut\u00ed \u00fav\u011bru","description":"Pokud n\u011bkter\u00fd \u017eadatel neodpov\u00edd\u00e1 nastaven\u00fdm podm\u00ednk\u00e1m pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru, banka<span class=\"more-dots\"><a href=\"https:\/\/www.bsot.cz\/nejcastejsi-duvody-pro-zamitnuti-uveru\/\">[ ... ]<\/span><\/a>","datePublished":"2021-01-22","dateModified":"2023-05-24","author":{"@type":"Person","@id":"https:\/\/www.bsot.cz\/author\/#Person","name":"","url":"https:\/\/www.bsot.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/32bc2d377216483c132a3bbf038b8838926e0616f1b3d0e9cb50d997f0b052ba?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/32bc2d377216483c132a3bbf038b8838926e0616f1b3d0e9cb50d997f0b052ba?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bsot.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bsot.cz\/wp-content\/uploads\/bez%20pen%C4%9Bz_2.jpg","url":"https:\/\/www.bsot.cz\/wp-content\/uploads\/bez%20pen%C4%9Bz_2.jpg","height":0,"width":0},"url":"https:\/\/www.bsot.cz\/nejcastejsi-duvody-pro-zamitnuti-uveru\/","about":["Finance"],"wordCount":400,"articleBody":"   Pokud n\u011bkter\u00fd \u017eadatel neodpov\u00edd\u00e1 nastaven\u00fdm podm\u00ednk\u00e1m pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru, banka jeho \u017e\u00e1dost zkr\u00e1tka zam\u00edtne. Diskvalifika\u010dn\u00edch faktor\u016f je hned n\u011bkolik, n\u00edzk\u00e1 bonita \u017eadatele, nedostate\u010dn\u00fd p\u0159\u00edjem, negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f nebo t\u0159eba p\u0159\u00edli\u0161 vysok\u00fd v\u011bk. Jak\u00e9 jsou v\u0161ak nej\u010dast\u011bj\u0161\u00ed d\u016fvody, kter\u00e9 vedou banku k zam\u00edtnut\u00ed?V posledn\u00edch letech je na trhu nadbytek likvidity, i z tohoto d\u016fvodu banky neust\u00e1le p\u0159ich\u00e1zej\u00ed s nov\u00fdmi nab\u00eddkami a doslova bojuj\u00ed o ka\u017ed\u00e9ho klienta, kter\u00e9mu by mohli nab\u00eddnout \u00fav\u011br. Proti nim ov\u0161em tak trochu stoj\u00ed p\u0159\u00edsn\u00e1 legislativa. \u010cesk\u00e1 n\u00e1rodn\u00ed banka p\u0159esn\u011b stanovuje podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky a ur\u010duje, \u017ee je nezbytn\u00e9 nejprve prov\u011b\u0159it \u017eadatelovu schopnost spl\u00e1cet, ne\u017e mu bude \u00fav\u011br schv\u00e1len. Banky tak \u017eadateli nemohou p\u016fj\u010dit, dokud si ho dostate\u010dn\u011b neprov\u011b\u0159\u00ed. Za zam\u00edtnut\u00edm \u00fav\u011bru tak mnohdy nestoj\u00ed neochota bank, ale slo\u017eit\u00e9 legislativa. V p\u0159\u00edpad\u011b, kdy by banka schv\u00e1lila \u017eadateli \u00fav\u011br bez toho, aby si ho dostate\u010dn\u011b ov\u011b\u0159ila, bylo by pozd\u011bji mo\u017en\u00e9 celou \u00fav\u011brovou smlouvu napadnout pro neplatnost. Takov\u00fd incident by pak ro banku m\u011bl nedoz\u00edrn\u00e9 n\u00e1sledky. Pracovn\u00ed smlouva na dobu neur\u010ditouAby mohl klient sv\u00e9 dluhy spolehliv\u011b spl\u00e1cet, pot\u0159ebuje dostate\u010dn\u00fd a pravideln\u00fd p\u0159\u00edjem ze zam\u011bstn\u00e1n\u00ed nebo jin\u00e9 \u010dinnosti. Pravideln\u00fd p\u0159\u00edjem lze prok\u00e1zat pr\u00e1v\u011b pracovn\u00ed smlouvou na dobu neur\u010ditou. V p\u0159\u00edpad\u011b, kdy \u017eadatel nen\u00ed schopen dolo\u017eit sv\u00e9 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy, p\u0159\u00edpadn\u011b se nach\u00e1z\u00ed ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed mu nebude \u00fav\u011br poskytnut.\u0158e\u010d te\u010f nen\u00ed pouze o spot\u0159ebitelsk\u00fdch \u00fav\u011brech, ale samoz\u0159ejm\u011b i o hypot\u00e9k\u00e1ch. Obecn\u011b o hypot\u00e9k\u00e1ch Americka-nebankovni-hypoteka je nav\u00edc zn\u00e1mo, \u017ee pro jejich schv\u00e1len\u00ed mus\u00ed \u017eadatel splnit je\u0161t\u011b p\u0159\u00edsn\u011bj\u0161\u00ed podm\u00ednky ne\u017e u b\u011b\u017en\u00fdch spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f. Z\u00e1znamy v registrech dlu\u017en\u00edk\u016fPokud se z jak\u00e9hokoliv d\u016fvodu \u017eadatel ocitl v registrech dlu\u017en\u00edk\u016f, na \u00fav\u011br v bankovn\u00edm sektoru prakticky nem\u00e1 n\u00e1rok.                                                                                                                                                                                                                                                                                                                                                                                           4.2\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nej\u010dast\u011bj\u0161\u00ed d\u016fvody pro zam\u00edtnut\u00ed \u00fav\u011bru","item":"https:\/\/www.bsot.cz\/nejcastejsi-duvody-pro-zamitnuti-uveru\/#breadcrumbitem"}]}]