[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aacs.cz\/kdyz-banka-zamitne-zadost-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.aacs.cz\/kdyz-banka-zamitne-zadost-o-uver\/","headline":"Kdy\u017e banka zam\u00edtne \u017e\u00e1dost o \u00fav\u011br","name":"Kdy\u017e banka zam\u00edtne \u017e\u00e1dost o \u00fav\u011br","description":"Ka\u017ed\u00fd z n\u00e1s se m\u016f\u017ee ocitnout v t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situaci, ze kter\u00e9 n\u00e1m m\u016f\u017ee pomoci pouze banka. Jen\u017ee banky jsou v tomto ohledu pon\u011bkud skoup\u00ed … ","datePublished":"2021-08-24","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.aacs.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.aacs.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e0a4ee3123bc6cda06472cb29cefd2abfa18c894e6c63b3d8bc84df8da10f637?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e0a4ee3123bc6cda06472cb29cefd2abfa18c894e6c63b3d8bc84df8da10f637?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"aacs.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.aacs.cz\/wp-content\/uploads\/spole%C4%8Dn%C3%A1%20dohoda_8.jpg","url":"https:\/\/www.aacs.cz\/wp-content\/uploads\/spole%C4%8Dn%C3%A1%20dohoda_8.jpg","height":0,"width":0},"url":"https:\/\/www.aacs.cz\/kdyz-banka-zamitne-zadost-o-uver\/","about":["Finance"],"wordCount":436,"articleBody":"         Ka\u017ed\u00fd z n\u00e1s se m\u016f\u017ee ocitnout v t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situaci, ze kter\u00e9 n\u00e1m m\u016f\u017ee pomoci pouze banka. Jen\u017ee banky jsou v tomto ohledu pon\u011bkud skoup\u00ed a \u00fav\u011br nenab\u00eddnou ka\u017ed\u00e9mu, kdo si o n\u011bj po\u017e\u00e1d\u00e1. Tak\u017ee jak postupovat, pokud z banky odejdeme s nepo\u0159\u00edzenou? Pomoci mohou nebankovn\u00ed spole\u010dnosti, i kdy\u017e jsou pro mnoh\u00e9 synonymem ned\u016fv\u011bryhodn\u00fdch poskytovatel\u016f \u00fav\u011br\u016f. Pro jin\u00e9 ov\u0161em znamenaj\u00ed jedinou z\u00e1chranou stanici na cest\u011b p\u0159ed krachem. Poj\u010fme si p\u0159ipomenout v\u0161echny v\u00fdhody, kter\u00e9 nebankovn\u00ed poskytovatel\u00e9 sv\u00fdm \u017eadatel\u016fm nab\u00edz\u00ed. Registr dlu\u017en\u00edk\u016fM\u011bli jste n\u011bkdy v minulosti probl\u00e9m se spl\u00e1cen\u00edm? To s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed bude va\u0161e jm\u00e9no figurovat v n\u011bkter\u00e9m z registru dlu\u017en\u00edk\u016f. V sou\u010dasn\u00e9 dob\u011b jsou v \u010cesk\u00e9 republice t\u0159i (NRKI, BRKI a SOLUS). Pokud va\u0161e jm\u00e9no figuruje v n\u011bkter\u00e9m z nich, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed dojde k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br bankou. \u0158ada nebankovn\u00edch poskytovatel\u016f v\u0161ak do registr\u016f v\u016fbec nenahl\u00ed\u017e\u00ed nebo neberou negativn\u00ed z\u00e1znam jako d\u016fvod k zam\u00edtnut\u00ed \u00fav\u011bru. Nebankovn\u00ed hypot\u00e9ka je tak skv\u011blou volbou pro rizikov\u00e9 \u017eadatele, kter\u00fdm v bance odm\u00edtli p\u016fj\u010dit. Pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjemAby bylo mo\u017en\u00e9 o \u00fav\u011br za\u017e\u00e1dat je zapot\u0159eb\u00ed pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem, kter\u00fd je nav\u00edc dolo\u017een za pomoci pracovn\u00ed smlouvy na dobu neur\u010ditou. Ov\u0161em ne ka\u017ed\u00fd m\u016f\u017ee v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f dolo\u017eit. I tady maj\u00ed ale nebankovn\u00ed spole\u010dnosti \u0159e\u0161en\u00ed! Sly\u0161eli jste u\u017e o hypot\u00e9ce bez dolo\u017een\u00ed p\u0159\u00edjmu? Jak u\u017e z n\u00e1zvu vypl\u00fdv\u00e1, \u017eadatel nen\u00ed povinen dokl\u00e1dat v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f. Jedn\u00e1 se v\u0161ak o hypot\u00e9ku, je proto zapot\u0159eb\u00ed dolo\u017eit v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f. Po\u010d\u00edtejte ov\u0161em s t\u00edm, \u017ee tato benevolentnost ze strany n\u011bkter\u00fdch nebankovn\u00edch spole\u010dnost\u00ed je vykoupena vy\u0161\u0161\u00ed \u00farokovou sazbou. M\u011bjte se v\u0161ak u nebankovn\u00edch spole\u010dnost\u00ed na pozoru, v\u017edy si d\u016fkladn\u011b p\u0159e\u010dt\u011bte \u00fav\u011brovou smlouvu. D\u00edky tomu v budoucnosti p\u0159edejdete \u0159ad\u011b probl\u00e9m\u016fm. P\u0159eci jenom se jedn\u00e1 o z\u00e1vazek, kter\u00fd budete spl\u00e1cet n\u011bkolik dal\u0161\u00edch let. Pokud s \u00fav\u011brovou smlouvou t\u00e1pete, nebojte se obr\u00e1tit na pr\u00e1vn\u00ed poradenstv\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.1\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy\u017e banka zam\u00edtne \u017e\u00e1dost o \u00fav\u011br","item":"https:\/\/www.aacs.cz\/kdyz-banka-zamitne-zadost-o-uver\/#breadcrumbitem"}]}]