[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.gerasis.cz\/duvody-ktere-vedou-k-zamitnuti-zadosti-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.gerasis.cz\/duvody-ktere-vedou-k-zamitnuti-zadosti-o-uver\/","headline":"D\u016fvody, kter\u00e9 vedou k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br","name":"D\u016fvody, kter\u00e9 vedou k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br","description":"Zam\u00edtla v\u00e1m banka \u017e\u00e1dost o \u00fav\u011br bez ud\u00e1n\u00ed d\u016fvodu. Nen\u00ed to nic a\u017e tak neobvykl\u00e9ho. V posledn\u00edch letech se podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru neust\u00e1le zp\u0159\u00eds\u0148uj\u00ed a diskvalifika\u010dn\u00edch faktor\u016f je cel\u00e1 \u0159ada. Poj\u010fme se spole\u010dn\u011b pod\u00edvat na ty nej\u010dast\u011bj\u0161\u00ed i na \u0159e\u0161en\u00ed, jak nakonec na t\u00ed\u017een\u00fd \u00fav\u011br p\u0159eci jenom t\u0159eba dos\u00e1hnout. Z\u00e1kon o spot\u0159ebitelsk\u00e9m...","datePublished":"2021-04-12","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.gerasis.cz\/author\/#Person","name":"","url":"https:\/\/www.gerasis.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/edf965aa5e6319b22667bed24bb070a38fc0326fd1c728db50dc1d860a4a16ad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/edf965aa5e6319b22667bed24bb070a38fc0326fd1c728db50dc1d860a4a16ad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"gerasis.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.gerasis.cz\/wp-content\/uploads\/pen%C3%ADze%20na%20uzd%C4%9B_5.jpg","url":"https:\/\/www.gerasis.cz\/wp-content\/uploads\/pen%C3%ADze%20na%20uzd%C4%9B_5.jpg","height":0,"width":0},"url":"https:\/\/www.gerasis.cz\/duvody-ktere-vedou-k-zamitnuti-zadosti-o-uver\/","about":["Internet"],"wordCount":443,"articleBody":"      Zam\u00edtla v\u00e1m banka \u017e\u00e1dost o \u00fav\u011br bez ud\u00e1n\u00ed d\u016fvodu. Nen\u00ed to nic a\u017e tak neobvykl\u00e9ho. V posledn\u00edch letech se podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru neust\u00e1le zp\u0159\u00eds\u0148uj\u00ed a diskvalifika\u010dn\u00edch faktor\u016f je cel\u00e1 \u0159ada. Poj\u010fme se spole\u010dn\u011b pod\u00edvat na ty nej\u010dast\u011bj\u0161\u00ed i na \u0159e\u0161en\u00ed, jak nakonec na t\u00ed\u017een\u00fd \u00fav\u011br p\u0159eci jenom t\u0159eba dos\u00e1hnout. Z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bruZ\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru v posledn\u00edch letech pro\u0161el hned n\u011bkolika podstatn\u00fdmi zm\u011bnami, ta nejnov\u011bj\u0161\u00ed p\u0159i\u0161la za\u010d\u00e1tkem koronavirov\u00e9 krize v dubnu 2020. I kdy\u017e je v sou\u010dasn\u00e9 dob\u011b na trhu p\u0159ebytek likvidy a bankovn\u00ed i nebankovn\u00ed spole\u010dnosti doslova mus\u00ed bojovat o ka\u017ed\u00e9ho nov\u00e9ho klienta, z\u00e1kon jim p\u0159ikazuje ka\u017ed\u00e9ho \u017eadatele nejprve prov\u011b\u0159it. Banky v\u00e1m tak v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b nemohou p\u016fj\u010dit p\u0159edt\u00edm, ne\u017e by se dostate\u010dn\u011b p\u0159esv\u011bd\u010dily, \u017ee jste schopni dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, kter\u00e9 byste p\u0159\u00edpadn\u011b podpisem smlouvy v\u016f\u010di bance m\u011bli. Za odm\u00edtnut\u00fdm \u00fav\u011brem je tak zapot\u0159eb\u00ed hledat slo\u017eitou legislativu \u010cNB a ne neochotu bank. Pokud by toti\u017e dlu\u017en\u00edk z\u00edskal pen\u00edze, ani\u017e by banka provedla \u0159\u00e1dnou lustraci, mohlo by to m\u00edt pro banku nedoz\u00edrn\u00e9 n\u00e1sledky. Pracovn\u00ed smlouvaJe to vcelku logick\u00e9, aby bylo mo\u017en\u00e9 dluh z \u010deho spl\u00e1cet, dlu\u017en\u00edk pot\u0159ebuje pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem, kter\u00fd mu garantuje pracovn\u00ed smlouva na dobu neur\u010ditou. V p\u0159\u00edpad, kdy \u017eadatel nen\u00ed schopen z jak\u00e9hokoliv d\u016fvodu dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed odejde z banky s nepo\u0159\u00edzenou. Pokud pracujete na dobu ur\u010ditou, je\u0161t\u011b nen\u00ed pot\u0159eba zoufat. V p\u0159\u00edpad\u011b, kdy bude \u00fav\u011br splacen je\u0161t\u011b p\u0159ed pl\u00e1novan\u00fdm vypr\u0161en\u00edm pracovn\u00ed smlouvy, je mo\u017en\u00e9 nakonec \u00fav\u011br p\u0159eci jenom z\u00edskat. Zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016fta v\u0161ak pro banku znamen\u00e1 p\u0159\u00edli\u0161 velk\u00e9 riziko a v takov\u00fdch p\u0159\u00edpadech odch\u00e1z\u00ed \u017eadatel z banky s nepo\u0159\u00edzenou. Nebankovn\u00ed spole\u010dnosti jsou v mnoh\u00fdch ohledech benevolentn\u011bj\u0161\u00ed ne\u017e ty bankovn\u00ed. Pokud se v\u00e1m tedy z jak\u00e9hokoliv d\u016fvodu nepovede z\u00edskat \u00fav\u011br v bance, zkuste to pr\u00e1v\u011b tam. Spot\u0159ebitelsk\u00fd \u00fav\u011br nebo dokonce nebankovn\u00ed hypot\u00e9ka Fahd.cz jsou tu pro ka\u017ed\u00e9ho.                                                                                                                                                                                                                                                                                                                                                                                           4\/5 - (15 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"D\u016fvody, kter\u00e9 vedou k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br","item":"https:\/\/www.gerasis.cz\/duvody-ktere-vedou-k-zamitnuti-zadosti-o-uver\/#breadcrumbitem"}]}]