[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bielmeier.cz\/nejcastejsi-duvody-pro-zamitnuti-pujcky\/#Article","mainEntityOfPage":"https:\/\/www.bielmeier.cz\/nejcastejsi-duvody-pro-zamitnuti-pujcky\/","headline":"Nej\u010dast\u011bj\u0161\u00ed d\u016fvody pro zam\u00edtnut\u00ed p\u016fj\u010dky","name":"Nej\u010dast\u011bj\u0161\u00ed d\u016fvody pro zam\u00edtnut\u00ed p\u016fj\u010dky","description":"Banka m\u016f\u017ee zam\u00edtnout \u017e\u00e1dost o p\u016fj\u010dku z \u0159ady d\u016fvod\u016f, mezi ty nej\u010dast\u011bj\u0161\u00ed pat\u0159\u00ed nedostate\u010dn\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem, negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f nebo p\u0159\u00edli\u0161 vysok\u00fd v\u011bk \u017eadatele. Jak eliminovat rizika, kter\u00e1 vedou k ne\u00fasp\u011bchu a jak postupovat v p\u0159\u00edpad\u011b, kdy nakonec p\u0159eci jenom odejdeme z banky s nepo\u0159\u00edzenou. Z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru a jeho novela Z\u00e1kon...","datePublished":"2021-04-12","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.bielmeier.cz\/author\/#Person","name":"","url":"https:\/\/www.bielmeier.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1ea551d08e5aaea35ec0edab8371d7eaf798177f38aa8a77e65ff33bf2d8edc8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1ea551d08e5aaea35ec0edab8371d7eaf798177f38aa8a77e65ff33bf2d8edc8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bielmeier.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bielmeier.cz\/wp-content\/uploads\/soudn%C3%AD%20kladivo.jpg","url":"https:\/\/www.bielmeier.cz\/wp-content\/uploads\/soudn%C3%AD%20kladivo.jpg","height":0,"width":0},"url":"https:\/\/www.bielmeier.cz\/nejcastejsi-duvody-pro-zamitnuti-pujcky\/","about":["Online"],"wordCount":449,"articleBody":"      Banka m\u016f\u017ee zam\u00edtnout \u017e\u00e1dost o p\u016fj\u010dku z \u0159ady d\u016fvod\u016f, mezi ty nej\u010dast\u011bj\u0161\u00ed pat\u0159\u00ed nedostate\u010dn\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem, negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f nebo p\u0159\u00edli\u0161 vysok\u00fd v\u011bk \u017eadatele. Jak eliminovat rizika, kter\u00e1 vedou k ne\u00fasp\u011bchu a jak postupovat v p\u0159\u00edpad\u011b, kdy nakonec p\u0159eci jenom odejdeme z banky s nepo\u0159\u00edzenou. Z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru a jeho novelaZ\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru je pravideln\u011b novelizov\u00e1n, posledn\u00ed zm\u011bny se do\u010dkal na za\u010d\u00e1tku koronavirov\u00e9 pandemie za\u010d\u00e1tkem roku 2020. I kdy\u017e je v sou\u010dasn\u00e9 dob\u011b na trhu p\u0159ebytek likvidity a banky mus\u00ed neust\u00e1le p\u0159ich\u00e1zet s nov\u00fdmi nab\u00eddkami, aby zaujaly co mo\u017en\u00e1 nejv\u011bt\u0161\u00ed po\u010det lid\u00ed, p\u0159esto p\u0159ib\u00fdv\u00e1 i zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed o \u00fav\u011br. Mnoho lid\u00ed se vlivem aktu\u00e1ln\u00ed sv\u011btov\u00e9 pandemie ocitlo doslova na hranici p\u0159e\u017eit\u00ed a m\u011bly by to b\u00fdt pr\u00e1v\u011b banky, kter\u00e9 jim tuto nelehkou \u017eivotn\u00ed situaci pomohou p\u0159e\u010dkat. Jen\u017ee pokud m\u00e1 \u017eadatel p\u0159\u00edli\u0161 n\u00edzkou bonitu, kterou ovliv\u0148uje spoustu faktor\u016f, v bance neusp\u011bje. \u010cesk\u00e1 n\u00e1rodn\u00ed banka nakazuje v\u0161em poskytovatel\u016fm \u00fav\u011br\u016f d\u016fkladnou lustraci v\u0161ech sv\u00fdch \u017eadatel\u016f o \u00fav\u011brov\u00e9 produkty. Pokud by tak neu\u010dinily, m\u011blo by to pro n\u011b nedoz\u00edrn\u00e9 n\u00e1sledky. Dlu\u017en\u00edk by bance nemusel spl\u00e1cet \u017e\u00e1dn\u00e9 \u00faroky ani poplatky a spl\u00e1cen by jen \u010d\u00e1stku, kterou si re\u00e1ln\u011b p\u016fj\u010dil. Za zam\u00edtnut\u00fdm \u00fav\u011brem tak nestoj\u00ed neochota bank, ale slo\u017eit\u00e1 legislativa, kter\u00e1 chr\u00e1n\u00ed nejenom samotn\u00e9 v\u011b\u0159itele, ale i dlu\u017en\u00edky. Pracovn\u00ed smlouvaO \u00fav\u011br m\u016f\u017ee po\u017e\u00e1dat jenom ten, kter\u00fd je schopen dolo\u017eit v\u00fd\u0161i sv\u00fdch pravideln\u00fdch p\u0159\u00edjm\u016f. Mus\u00ed b\u00fdt zam\u011bstn\u00e1n na dobu neur\u010ditou nebo provozovat samostatn\u011b v\u00fdd\u011ble\u010dnou \u010dinnost, n\u011bkter\u00e9 banky akceptuj\u00ed i p\u0159\u00edjmy z pron\u00e1jmu nemovitosti. V p\u0159\u00edpad\u011b, kdy je \u017eadatel ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b, p\u0159edstavuje pro banku p\u0159\u00edli\u0161 velk\u00e9 riziko a \u017e\u00e1dost o \u00fav\u011br mu bude s ur\u010ditost\u00ed zam\u00edtnuta.Registr dlu\u017en\u00edk\u016fPodobn\u011b je tomu i v p\u0159\u00edpad\u011b, kdy se \u017eadatel nach\u00e1z\u00ed v registru dlu\u017en\u00edk\u016f, v takov\u00e9m p\u0159\u00edpad\u011b nem\u00e1 smysl do banky chodit si p\u016fj\u010dovat. Jsou tu ale je\u0161t\u011b nebankovn\u00ed spole\u010dnosti, kter\u00e9 jsou se sv\u00fdmi spot\u0159ebitelsk\u00fdmi \u00fav\u011bry a hypot\u00e9kou bez registru Fahd jedinou nad\u011bj\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nej\u010dast\u011bj\u0161\u00ed d\u016fvody pro zam\u00edtnut\u00ed p\u016fj\u010dky","item":"https:\/\/www.bielmeier.cz\/nejcastejsi-duvody-pro-zamitnuti-pujcky\/#breadcrumbitem"}]}]