[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kocov.cz\/v-jakych-pripadech-muze-banka-zamitnout-zadost-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.kocov.cz\/v-jakych-pripadech-muze-banka-zamitnout-zadost-o-uver\/","headline":"V jak\u00fdch p\u0159\u00edpadech m\u016f\u017ee banka zam\u00edtnout \u017e\u00e1dost o \u00fav\u011br?","name":"V jak\u00fdch p\u0159\u00edpadech m\u016f\u017ee banka zam\u00edtnout \u017e\u00e1dost o \u00fav\u011br?","description":"Bankovn\u00ed instituce jsou, co se t\u00fd\u010de \u00fav\u011brov\u00fdch produkt\u016f, ke sv\u00fdm \u017eadatel\u016fm velmi p\u0159\u00edsn\u00ed. \u017dadatel mus\u00ed splnit hned n\u011bkolik z\u00e1konn\u00fdch podm\u00ednek, aby mohl o...","datePublished":"2022-02-14","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.kocov.cz\/author\/#Person","name":"","url":"https:\/\/www.kocov.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/505fff4dce96a6fd9b2c3bab9d6ad2c90e3ce4a797f024fc5ad345c11f66ba90?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/505fff4dce96a6fd9b2c3bab9d6ad2c90e3ce4a797f024fc5ad345c11f66ba90?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kocov.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kocov.cz\/wp-content\/uploads\/pen%C3%ADze%20na%20uzd%C4%9B_9.jpg","url":"https:\/\/www.kocov.cz\/wp-content\/uploads\/pen%C3%ADze%20na%20uzd%C4%9B_9.jpg","height":0,"width":0},"url":"https:\/\/www.kocov.cz\/v-jakych-pripadech-muze-banka-zamitnout-zadost-o-uver\/","about":["Web"],"wordCount":431,"articleBody":"   Bankovn\u00ed instituce jsou, co se t\u00fd\u010de \u00fav\u011brov\u00fdch produkt\u016f, ke sv\u00fdm \u017eadatel\u016fm velmi p\u0159\u00edsn\u00ed. \u017dadatel mus\u00ed splnit hned n\u011bkolik z\u00e1konn\u00fdch podm\u00ednek, aby mohl o \u00fav\u011br v\u016fbec usilovat. A to u\u017e v\u016fbec nemluv\u00edme o dlouh\u00e9m schvalovac\u00edm procesu a tolik nen\u00e1vid\u011bn\u00e9 byrokracii. Poj\u010fme se spole\u010dn\u011b pod\u00edvat na nej\u010dast\u011bj\u0161\u00ed d\u016fvody, kter\u00e9 vedou k zam\u00edtnut\u00ed \u00fav\u011bru. Nedostate\u010dn\u00fd p\u0159\u00edjem Pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem je jednou z podm\u00ednek p\u0159i \u017e\u00e1dosti o jak\u00fdkoliv \u00fav\u011brov\u00fd produkt v bance. \u017dadatel ho mus\u00ed dolo\u017eit spole\u010dn\u011b s pracovn\u00ed smlouvou na dobu neur\u010ditou. Samoz\u0159ejm\u011b se akceptuj\u00ed i p\u0159\u00edjmy se samostatn\u011b v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti nebo podnik\u00e1n\u00ed. N\u011bkter\u00e9 banky dokonce akceptuj\u00ed i p\u0159\u00edjmy z pron\u00e1jmu nemovitosti. Ov\u0161em pokud v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f nem\u016f\u017eete adekv\u00e1tn\u00edm zp\u016fsobem dolo\u017eit, p\u0159\u00edpadn\u011b jsou p\u0159\u00edjmy p\u0159\u00edli\u0161 n\u00edzk\u00e9, odejde z banky v\u011bt\u0161inou se zam\u00edtnut\u00fdm \u00fav\u011brem. V p\u0159\u00edpad\u011b, kdy jste v pr\u00e1ci jen na dobu ur\u010ditou, m\u016f\u017ee v\u00e1m b\u00fdt \u00fav\u011br za jist\u00fdch okolnost\u00ed schv\u00e1len. Mus\u00ed v\u0161ak b\u00fdt zcela splacen je\u0161t\u011b p\u0159ed vypr\u0161en\u00edm pracovn\u00ed smlouvy. V p\u0159\u00edpad\u011b v\u00fdpov\u011bdn\u00ed nebo zku\u0161ebn\u00ed lh\u016fty bohu\u017eel \u00fav\u011br s ur\u010ditost\u00ed nez\u00edsk\u00e1te. Pro banku toti\u017e p\u0159edstavujete a\u017e p\u0159\u00edli\u0161 velk\u00e9 riziko. V obou p\u0159\u00edpadech toti\u017e m\u016f\u017ee b\u00fdt v\u00e1\u0161 pracovn\u00ed pom\u011br ukon\u010den a vy nebudete m\u00edt z \u010deho \u00fav\u011br spl\u00e1cet. Pokud p\u0159esto tou\u017e\u00edte po \u00fav\u011bru, je mo\u017en\u00e9 za\u017e\u00e1dat u nebankovn\u00edch spole\u010dnost\u00ed. Ty toti\u017e mnohdy v\u00fd\u0161i p\u0159\u00edjm\u016f neposuzuj\u00ed a \u00fav\u011br nab\u00eddnou t\u00e9m\u011b\u0159 ka\u017ed\u00e9mu, kdo o n\u011bj p\u0159ijde po\u017e\u00e1dat. Mus\u00edme zm\u00ednit i nebankovn\u00ed hypot\u00e9ku, kter\u00e1 m\u00e1 podobn\u00e9 vlastnosti a podm\u00ednky jako ta bankovn\u00ed. Z\u00e1znam v registrechDal\u0161\u00edm velmi \u010dast\u00fdm d\u016fvodem, kter\u00fd vede banku k zam\u00edtnut\u00ed \u017e\u00e1dosti o jak\u00fdkoliv \u00fav\u011brov\u00fd produkt, je z\u00e1znam v n\u011bkter\u00e9m z registr\u016f. V \u010cesk\u00e9 republice m\u00e1me p\u0159esn\u011b \u010dty\u0159i a \u00fadaje v nich jsou bank\u00e1m voln\u011b k dispozici. Pokud u v\u00e1s banka tuto skute\u010dnost zjist\u00ed, i v tomto p\u0159\u00edpad\u011b k v\u00e1m mus\u00ed nahl\u00ed\u017eet jako k rizikov\u00e9mu \u017eadateli a \u00fav\u011br zam\u00edtnout.                                                                                                                                                                                                                                                                                                                                                                                           4.2\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V jak\u00fdch p\u0159\u00edpadech m\u016f\u017ee banka zam\u00edtnout \u017e\u00e1dost o \u00fav\u011br?","item":"https:\/\/www.kocov.cz\/v-jakych-pripadech-muze-banka-zamitnout-zadost-o-uver\/#breadcrumbitem"}]}]