[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.moneyworld.cz\/duvody-ktere-vedou-banku-k-zamitnuti-zadosti-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.moneyworld.cz\/duvody-ktere-vedou-banku-k-zamitnuti-zadosti-o-uver\/","headline":"D\u016fvody, kter\u00e9 vedou banku k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br","name":"D\u016fvody, kter\u00e9 vedou banku k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br","description":"V dne\u0161n\u00ed dob\u011b m\u016f\u017ee o p\u016fj\u010dku za\u017e\u00e1dat kdokoliv, tedy za p\u0159edpokladu, \u017ee spl\u0148uje z\u00e1konem dan\u00e9 podm\u00ednky. Ty stanovuje \u010cesk\u00e1 n\u00e1rodn\u00ed banka a z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, jeho\u017e zn\u011bn\u00ed je pravideln\u011b upravov\u00e1no. Naposledy se do\u010dkal novely v dubnu lo\u0148sk\u00e9ho roku jako reakci na na\u0159\u00edzen\u00ed vl\u00e1dy ohledn\u011b celosv\u011btov\u00e9 pandemie koronaviru. \u0158ada v\u011b\u0159itel\u016f si krom z\u00e1konem stanoven\u00fdch podm\u00ednek stanovuje i […]","datePublished":"2022-07-14","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.moneyworld.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.moneyworld.cz\/author\/devene\/","identifier":2,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f17e51fc588a8d58b22312b5abcc2141?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f17e51fc588a8d58b22312b5abcc2141?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"moneyworld.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneyworld.cz\/wp-content\/uploads\/Smlouva_k_podpisu_blCdLx.jpg","url":"https:\/\/moneyworld.cz\/wp-content\/uploads\/Smlouva_k_podpisu_blCdLx.jpg","height":"","width":""},"url":"https:\/\/www.moneyworld.cz\/duvody-ktere-vedou-banku-k-zamitnuti-zadosti-o-uver\/","about":["Hypot\u00e9ky"],"wordCount":443,"articleBody":"V dne\u0161n\u00ed dob\u011b m\u016f\u017ee o p\u016fj\u010dku za\u017e\u00e1dat kdokoliv, tedy za p\u0159edpokladu, \u017ee spl\u0148uje z\u00e1konem dan\u00e9 podm\u00ednky. Ty stanovuje \u010cesk\u00e1 n\u00e1rodn\u00ed banka a z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, jeho\u017e zn\u011bn\u00ed je pravideln\u011b upravov\u00e1no. Naposledy se do\u010dkal novely v dubnu lo\u0148sk\u00e9ho roku jako reakci na na\u0159\u00edzen\u00ed vl\u00e1dy ohledn\u011b celosv\u011btov\u00e9 pandemie koronaviru. \u0158ada v\u011b\u0159itel\u016f si krom z\u00e1konem stanoven\u00fdch podm\u00ednek stanovuje i sv\u00e9 vlastn\u00ed kv\u016fli v\u011bt\u0161\u00ed bezpe\u010dnosti a d\u016fv\u011b\u0159e v\u016f\u010di dlu\u017en\u00edk\u016fm.  Schv\u00e1len\u00ed p\u016fj\u010dky rozhodn\u011b nepat\u0159\u00ed mezi povinnosti v\u011b\u0159itele ani za p\u0159edpokladu, \u017ee dlu\u017en\u00edk disponuje uk\u00e1zkovou bonitou. Rozhodn\u011b nen\u00ed pravidlem, \u017ee p\u016fj\u010dku z\u00edsk\u00e1 ka\u017ed\u00fd, kdo si o n\u00ed v bance p\u0159\u00edpad\u011b nebankovn\u00ed spole\u010dnosti za\u017e\u00e1d\u00e1. V\u017edy z\u00e1le\u017e\u00ed na rozhodnut\u00ed samotn\u00e9ho v\u011b\u0159itele. Ten se rozhoduje jak v souladu se z\u00e1konem dan\u00fdmi podm\u00ednkami, tak i obchodn\u00ed strategi\u00ed. \u00dav\u011br je skute\u010dn\u011b schv\u00e1len a\u017e po oboustrann\u011b vyjednan\u00fdch podm\u00ednk\u00e1ch, kter\u00e9 jsou zpe\u010det\u011bny podpisem \u00fav\u011brov\u00e9 smlouvy. Pro v\u011bt\u0161inu bankovn\u00edch spole\u010dnost\u00ed jsou podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011br\u016f p\u0159inejmen\u0161\u00edm velmi podobn\u00e9, jin\u00e9 podm\u00ednky spadaj\u00ed do kategorie – hypot\u00e9ky, kde je zapot\u0159eb\u00ed splnit \u0159adu dal\u0161\u00edch n\u00e1le\u017eitost\u00ed a ru\u010dit nemovitost\u00ed. \t\tN\u00edzk\u00fd nebo p\u0159\u00edli\u0161 vysok\u00fd v\u011bkJak u\u017e to tak b\u00fdv\u00e1, u bank nen\u00ed v\u00fdhodou p\u0159\u00edli\u0161 n\u00edzk\u00fd, ale naopak ani vysok\u00fd v\u011bk. Banka v\u017edy zva\u017euje v\u011bk \u017eadatel\u016f i v\u0161ech dal\u0161\u00edch spolu\u017eadatel\u016f. Ti maj\u00ed nejv\u011bt\u0161\u00ed \u0161anci, pokud o \u00fav\u011br za\u017e\u00e1daj\u00ed kolem 30. roku \u017eivota, kdy je podle bank nejvy\u0161\u0161\u00ed \u0161ance s \u017e\u00e1dost\u00ed usp\u011bt. \t\tRegistr dlu\u017en\u00edk\u016fKrom adekv\u00e1tn\u00edho v\u011bku mus\u00ed \u017eadatel proj\u00edt i registrem dlu\u017en\u00edk\u016f. V \u010cesk\u00e9 republice jich m\u00e1me hned n\u011bkolik a jsou zde zaznamen\u00e1v\u00e1ny v\u0161echny finan\u010dn\u00ed proh\u0159e\u0161ky, kter\u00fdch se doty\u010dn\u00e1 osoba dopust\u00ed. V syst\u00e9mu z\u016fst\u00e1vaj\u00ed i n\u011bkolik let a v p\u0159\u00edpad\u011b negativn\u00edho z\u00e1znamu je velmi t\u011b\u017ek\u00e9 na \u00fav\u011br dos\u00e1hnout. Jsou zde zaznamen\u00e1v\u00e1ny i ve\u0161ker\u00e9 \u017e\u00e1dosti o \u00fav\u011br, kter\u00e9 skon\u010dily nezdarem.                                                                                                                                                                                                                                                                                                                                                                                                                                                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