[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.chasa.cz\/kdyz-banka-zamitne-zadost-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.chasa.cz\/kdyz-banka-zamitne-zadost-o-uver\/","headline":"Kdy\u017e banka zam\u00edtne \u017e\u00e1dost o \u00fav\u011br?","name":"Kdy\u017e banka zam\u00edtne \u017e\u00e1dost o \u00fav\u011br?","description":"V t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situaci se m\u016f\u017ee ocitnout ka\u017ed\u00fd z n\u00e1s. V takov\u00e9 chv\u00edli p\u0159em\u00fd\u0161l\u00edme, jak se z t\u00e9to nez\u00e1vid\u011bn\u00edhodn\u00e9 situace v co mo\u017en\u00e1 nejkrat\u0161\u00edm \u010dasov\u00e9m horizontu postavit zp\u011bt na nohy. Nen\u00ed to v\u017edy jednoduch\u00e9, ale aby to bylo p\u0159eci jenom... <a class=\"more-link\" href=\"https:\/\/www.chasa.cz\/kdyz-banka-zamitne-zadost-o-uver\/\">Pokra\u010dovat ve \u010dten\u00ed &rarr;<\/a>","datePublished":"2021-05-28","dateModified":"2023-06-14","author":{"@type":"Person","@id":"https:\/\/www.chasa.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.chasa.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8ee00db67df6a380981db2e33f97d2fa79637c4880a83f2a0ac4c29b5bb179e1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8ee00db67df6a380981db2e33f97d2fa79637c4880a83f2a0ac4c29b5bb179e1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"chasa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.chasa.cz\/wp-content\/uploads\/r%C5%AFst%20pen%C4%9Bz_10_3.jpg","url":"https:\/\/www.chasa.cz\/wp-content\/uploads\/r%C5%AFst%20pen%C4%9Bz_10_3.jpg","height":0,"width":0},"url":"https:\/\/www.chasa.cz\/kdyz-banka-zamitne-zadost-o-uver\/","wordCount":415,"articleBody":"      V t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situaci se m\u016f\u017ee ocitnout ka\u017ed\u00fd z n\u00e1s. V takov\u00e9 chv\u00edli p\u0159em\u00fd\u0161l\u00edme, jak se z t\u00e9to nez\u00e1vid\u011bn\u00edhodn\u00e9 situace v co mo\u017en\u00e1 nejkrat\u0161\u00edm \u010dasov\u00e9m horizontu postavit zp\u011bt na nohy. Nen\u00ed to v\u017edy jednoduch\u00e9, ale aby to bylo p\u0159eci jenom o pozn\u00e1n\u00ed snaz\u0161\u00ed, m\u011bly by tu b\u00fdt pr\u00e1v\u011b banky. Ty v\u0161ak podaj\u00ed pomocnou ruku jen v p\u0159\u00edpad\u011b, \u017ee se jedn\u00e1 o spolehliv\u00e9ho \u017eadatele s pravideln\u00fdm m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmem a s dobrou platebn\u00ed mor\u00e1lkou. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b takov\u00fd \u017eadatel odch\u00e1z\u00ed z banky s nepo\u0159\u00edzenou.I kdy\u017e je v sou\u010dasn\u00e9 dob\u011b na trhu p\u0159ebytek likvidity a banky doslova bojuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta, stejn\u011b p\u0159ib\u00fdv\u00e1 i po\u010det zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. I kdyby banky cht\u011bly p\u016fj\u010dit ka\u017ed\u00e9mu \u017eadateli, slo\u017eit\u00e1 legislativa jim to neumo\u017e\u0148uje. \u010cesk\u00e1 n\u00e1rodn\u00ed banka toti\u017e s ur\u010ditou pravidelnost\u00ed upravuje podm\u00ednky spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f a ty mus\u00ed ka\u017ed\u00fd \u017eadatel splnit. Dal\u0161\u00ed podm\u00ednky si pak koriguj\u00ed a upravuj\u00ed jednotliv\u00e9 banky. Za zam\u00edtnut\u00fdmi \u00fav\u011bry je tedy zapot\u0159eb\u00ed hledat sp\u00ed\u0161e slo\u017eitou legislativu ne\u017e neochotu bank. Prvn\u00ed podm\u00ednka ze strany bank je pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem ze zam\u011bstn\u00e1n\u00ed, kter\u00fd \u017eadatel dokl\u00e1d\u00e1 za pomoci pracovn\u00ed smlouvy na dobu neur\u010ditou. V p\u0159\u00edpad\u011b, kdy je zam\u011bstn\u00e1n jen na ur\u010ditou dobu, je\u0161t\u011b nen\u00ed \u017e\u00e1dost p\u0159edem zam\u00edtnut\u00e1. Je v\u0161ak zapot\u0159eb\u00ed \u00fav\u011br splatit je\u0161t\u011b p\u0159ed koncem pracovn\u00ed smlouvy. V p\u0159\u00edpad\u011b, kdy je \u017eadatel ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b, na \u00fav\u011br nedos\u00e1hne. Ka\u017ed\u00fd bankovn\u00ed subjekt tak\u00e9 prov\u011b\u0159uje z\u00e1znamy v nejr\u016fzn\u011bj\u0161\u00edch registrech dlu\u017en\u00edk\u016f. Pokud se tedy \u017eadatel n\u011bkdy v minulosti ocitl v situaci, kdy nebyl schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed se to projev\u00ed pr\u00e1v\u011b v n\u011bkter\u00e9m z registr\u016f. V takov\u00e9m p\u0159\u00edpad\u011b s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed bude \u017e\u00e1dost bankou zam\u00edtnuta. Nebankovn\u00ed spole\u010dnosti v\u0161ak nab\u00edz\u00ed t\u0159eba hypot\u00e9ky bez registru, kter\u00e9 jsou v\u00edtan\u00fdm \u00fav\u011brem pr\u00e1v\u011b pro takov\u00e9 \u017eadatele, kter\u00fdm banky odm\u00edtly \u00fav\u011br poskytnout.                                                                                                                                                                                                                                                                                                                                                                                           3.5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy\u017e banka zam\u00edtne \u017e\u00e1dost o \u00fav\u011br?","item":"https:\/\/www.chasa.cz\/kdyz-banka-zamitne-zadost-o-uver\/#breadcrumbitem"}]}]