[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kapeska.cz\/kdyz-v-bance-zamitnou-zadost-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.kapeska.cz\/kdyz-v-bance-zamitnou-zadost-o-uver\/","headline":"Kdy\u017e v bance zam\u00edtnou \u017e\u00e1dost o \u00fav\u011br?","name":"Kdy\u017e v bance zam\u00edtnou \u017e\u00e1dost o \u00fav\u011br?","description":"Do t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situace se m\u016f\u017ee dostat ka\u017ed\u00fd z n\u00e1s, d\u016fle\u017eit\u00e9 ale je, jak se z n\u00ed co nejrychleji zase dostat? \u0158e\u0161en\u00ed nab\u00edz\u00ed chyt\u0159e zvolen\u00fd… ","datePublished":"2021-03-16","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.kapeska.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.kapeska.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kapeska.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kapeska.cz\/wp-content\/uploads\/strm%C3%BD%20r%C5%AFst.jpg","url":"https:\/\/www.kapeska.cz\/wp-content\/uploads\/strm%C3%BD%20r%C5%AFst.jpg","height":0,"width":0},"url":"https:\/\/www.kapeska.cz\/kdyz-v-bance-zamitnou-zadost-o-uver\/","about":["Ekonomika"],"wordCount":408,"articleBody":"        Do t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situace se m\u016f\u017ee dostat ka\u017ed\u00fd z n\u00e1s, d\u016fle\u017eit\u00e9 ale je, jak se z n\u00ed co nejrychleji zase dostat? \u0158e\u0161en\u00ed nab\u00edz\u00ed chyt\u0159e zvolen\u00fd \u00fav\u011br, kter\u00fd by mohl pomoci toto \u0161patn\u00e9 \u017eivotn\u00ed obdob\u00ed p\u0159eklenout. Jen\u017ee banky jsou v tomto ohledu nekompromisn\u00ed a ne ka\u017ed\u00e9mu se nakonec povede v bance usp\u011bt. Jak\u00e9 jsou krit\u00e9ria pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru a jak postupovat, kdy\u017e odejdeme s banky s nepo\u0159\u00edzenou. M\u011bs\u00ed\u010dn\u00ed bilance \u017eadateleP\u0159\u00edjmy a v\u00fddaje\u2026to je o\u010d tu b\u011b\u017e\u00ed. Pokud chcete \u00fav\u011br v bance, logicky je zapot\u0159eb\u00ed m\u00edt ho z \u010deho spl\u00e1cet. \u0158ada lid\u00ed v tomto ohledu p\u0159em\u00fd\u0161l\u00ed sp\u00ed\u0161e optimisticky a proto je tu schvalovac\u00ed proces bank, p\u0159i kter\u00e9m se mimo jin\u00e9 vytvo\u0159\u00ed i balance \u017eadatele. Banka ur\u010d\u00ed, zda je \u017eadatel schopn\u00fd spl\u00e1cet a z\u00e1rove\u0148 si udr\u017eet p\u0159im\u011b\u0159enou \u017eivotn\u00ed \u00farove\u0148. Pokud banka usoud\u00ed, \u017ee m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy jsou natolik mal\u00e9, \u017ee nepokryj\u00ed v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek, \u017e\u00e1dost o \u00fav\u011br zam\u00edtnou. Krom v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f, banku zaj\u00edm\u00e1 i z jak\u00e9ho zdroje poch\u00e1zej\u00ed. V ide\u00e1ln\u00edm p\u0159\u00edpad\u011b je to ze zam\u011bstn\u00e1n\u00ed nebo samostatn\u011b v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti, n\u011bkter\u00e9 banky je\u0161t\u011b akceptuj\u00ed i p\u0159\u00edjmy z pron\u00e1jmu nemovitosti. P\u0159\u00edjmy ze soci\u00e1ln\u00edch d\u00e1vek, starobn\u00edho d\u016fchodu nebo z pochybn\u00e9ho zdroje v\u0161ak banka neakceptuje. Z\u00e1znam v registrech dlu\u017en\u00edk\u016fV potaz berou bankovn\u00ed spole\u010dnosti i negativn\u00ed z\u00e1znamy v registrech dlu\u017en\u00edk\u016f. Pokud tedy chcete na n\u011bkter\u00fd z \u00fav\u011brov\u00fdch produkt\u016f dos\u00e1hnout, nesm\u00ed va\u0161e \u00fadaje v n\u011bkter\u00e9m z registr\u016f figurovat. Platebn\u00ed mor\u00e1lka je pravideln\u011b zaznamen\u00e1v\u00e1na, a by\u0165 nepatrn\u00fd proh\u0159e\u0161ek m\u016f\u017ee v\u00e9st a\u017e k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br. Je\u0161t\u011b st\u00e1le jsou tu ale nebankovn\u00ed spole\u010dnosti, kter\u00e9 jsou v mnoha ohledech o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed. Nav\u00edc \u0159ada z nich nenab\u00edz\u00ed pouze rychl\u00e9 spot\u0159ebitelsk\u00e9 \u00fav\u011bry, ale i ty hypote\u010dn\u00ed -hypot\u00e9ka osv\u010d, na bydlen\u00ed, i bez dolo\u017een\u00ed p\u0159\u00edjm\u016f. V p\u0159\u00edpad\u011b nebankovn\u00edch produkt\u016f je ale zapot\u0159eb\u00ed po\u010d\u00edtat s vy\u0161\u0161\u00ed ro\u010dn\u00ed \u00farokovou sazbou.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy\u017e v bance zam\u00edtnou \u017e\u00e1dost o \u00fav\u011br?","item":"https:\/\/www.kapeska.cz\/kdyz-v-bance-zamitnou-zadost-o-uver\/#breadcrumbitem"}]}]