[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.crompel.cz\/v-jakych-pripadech-muze-banka-zamitnout-zadost-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.crompel.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":"Na \u00fav\u011brov\u00e9 produkty je v sou\u010dasn\u00e9 dob\u011b velmi t\u011b\u017ek\u00e9 dos\u00e1hnout. M\u016f\u017ee za to prim\u00e1rn\u011b novela z\u00e1kona z roku 2018 a 2020, kdy se podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011br\u016f rapidn\u011b zm\u011bnily. Za t\u011bmito novelami stoj\u00ed \u010cesk\u00e1 n\u00e1rodn\u00ed banka, kter\u00e1 pov\u011bt\u0161inou reaguje na aktu\u00e1ln\u00ed ekonomickou situaci v zemi. Za zam\u00edtnut\u00fdm \u00fav\u011bre je tak zapot\u0159eb\u00ed hledat sp\u00ed\u0161e slo\u017eit\u011b nastaven\u00e9","datePublished":"2021-06-16","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.crompel.cz\/author\/#Person","name":"","url":"https:\/\/www.crompel.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"crompel.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.crompel.cz\/wp-content\/uploads\/stisk%20ruky_6.jpg","url":"https:\/\/www.crompel.cz\/wp-content\/uploads\/stisk%20ruky_6.jpg","height":0,"width":0},"url":"https:\/\/www.crompel.cz\/v-jakych-pripadech-muze-banka-zamitnout-zadost-o-uver\/","about":["Pen\u00edze"],"wordCount":405,"articleBody":"   Na \u00fav\u011brov\u00e9 produkty je v sou\u010dasn\u00e9 dob\u011b velmi t\u011b\u017ek\u00e9 dos\u00e1hnout. M\u016f\u017ee za to prim\u00e1rn\u011b novela z\u00e1kona z roku 2018 a 2020, kdy se podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011br\u016f rapidn\u011b zm\u011bnily. Za t\u011bmito novelami stoj\u00ed \u010cesk\u00e1 n\u00e1rodn\u00ed banka, kter\u00e1 pov\u011bt\u0161inou reaguje na aktu\u00e1ln\u00ed ekonomickou situaci v zemi. Za zam\u00edtnut\u00fdm \u00fav\u011bre je tak zapot\u0159eb\u00ed hledat sp\u00ed\u0161e slo\u017eit\u011b nastaven\u00e9 podm\u00ednky, ne\u017e neochotu bank p\u016fj\u010dovat. I kdy\u017e je v sou\u010dasn\u00e9 dob\u011b na trhu p\u0159ebytek likvidity a bankovn\u00ed i nebankovn\u00ed poskytovatel\u00e9 se doslova p\u0159edh\u00e1n\u011bj\u00ed, kdo p\u0159ijde s lep\u0161\u00ed nab\u00eddkou, p\u0159ib\u00fdv\u00e1 zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. \u010cNB toti\u017e d\u00e1v\u00e1 za povinnost bankovn\u00edm i nebankovn\u00edm poskytovatel\u016fm d\u016fkladnou lustraci ka\u017ed\u00e9ho \u017eadatele. Pokud by tak neu\u010dinily, mohlo by to pro n\u011b znamenat nedoz\u00edrn\u00e9 n\u00e1sledky. Dlu\u017en\u00edk by mohl celou smlouvu napadnout pro jej\u00ed neplatnost a nad\u00e1le by \u00fav\u011br spl\u00e1cel dle sv\u00fdch finan\u010dn\u00edch mo\u017enost\u00ed. Nav\u00edc by mu odpadla povinnost platit ve\u0161ker\u00e9 poplatky a \u00faroky. Z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, tak chr\u00e1n\u00ed nejenom samotn\u00e9 poskytovatel\u00e9 \u00fav\u011br\u016f, ale i dlu\u017en\u00edky. Nedostate\u010dn\u00fd p\u0159\u00edjem\u017d\u00e1dn\u00fd bankovn\u00ed subjekt neschv\u00e1l\u00ed \u00fav\u011br \u017eadateli, kter\u00fd nen\u00ed schopen dolo\u017eit sv\u00e9 pravideln\u00e9 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy. Pr\u00e1v\u011b ty jsou toti\u017e pro schv\u00e1len\u00ed \u00fav\u011bru a v\u00fdpo\u010det bilance \u017eadatele kl\u00ed\u010dov\u00e9. Banky pracuj\u00ed s tzv. bonitou \u017eadatele, kter\u00e1 ud\u00e1v\u00e1, do jak\u00e9 m\u00edry je dan\u00fd \u017eadatel schopen spl\u00e1cet. Pokud je bonita p\u0159\u00edli\u0161 n\u00edzk\u00e1, v\u011bt\u0161inou odejde z banky s nepo\u0159\u00edzenou. Ov\u0161em je\u0161t\u011b tu m\u00e1me nebankovn\u00ed spole\u010dnosti, kter\u00e9 jsou v tomto ohledu p\u0159eci jenom o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed. Sly\u0161eli jste u\u017e o hypot\u00e9ce bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f? Jak u\u017e z n\u00e1zvu vypl\u00fdv\u00e1, \u017eadatel nen\u00ed povinen dokl\u00e1dat v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f. C\u00edl\u00ed tedy na \u017eadatele, kte\u0159\u00ed pr\u00e1v\u011b z tohoto d\u016fvodu v bance neusp\u011bli. Je v\u0161ak zapot\u0159eb\u00ed p\u0159ipomenout, \u017ee i zde, stejn\u011b jako v p\u0159\u00edpad\u011b bankovn\u00ed hypot\u00e9ky, je zapot\u0159eb\u00ed z\u00e1stava nemovitosti. A nav\u00edc je zde i vy\u0161\u0161\u00ed \u00farokov\u00e1 sazba, pr\u00e1v\u011b d\u00edky benevolentnosti \u00fav\u011bru.                                                                                                                                                                                                                                                                                                                                                                                           4.6\/5 - (5 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.crompel.cz\/v-jakych-pripadech-muze-banka-zamitnout-zadost-o-uver\/#breadcrumbitem"}]}]