[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bqs.cz\/zamitnuta-zadost-o-uver-co-ted\/#Article","mainEntityOfPage":"https:\/\/www.bqs.cz\/zamitnuta-zadost-o-uver-co-ted\/","headline":"Zam\u00edtnut\u00e1 \u017e\u00e1dost o \u00fav\u011br: Co te\u010f!?","name":"Zam\u00edtnut\u00e1 \u017e\u00e1dost o \u00fav\u011br: Co te\u010f!?","description":"Sen o vlastn\u00edm bydlen\u00ed se m\u016f\u017ee p\u0159evr\u00e1tit vzh\u016fru nohama doslova mrknut\u00edm oka, kdy\u017e v\u00e1m v bance va\u0161\u00ed \u017e\u00e1dost zam\u00edtnou. Banky jsou v p\u0159\u00edpad\u011b hypote\u010dn\u00edch \u00fav\u011br\u016f ke sv\u00fdm \u017eadatel\u016fm p\u0159\u00edsn\u00ed a u\u017e d\u00e1vno nen\u00ed pravidlem, \u017ee hypot\u00e9ku z\u00edsk\u00e1 ka\u017ed\u00fd, kdo o n\u00ed za\u017e\u00e1d\u00e1. D\u016fvod\u016f k zam\u00edtnut\u00ed \u00fav\u011bru je hned n\u011bkolik a","datePublished":"2021-08-23","dateModified":"2023-05-23","author":{"@type":"Person","@id":"https:\/\/www.bqs.cz\/author\/#Person","name":"","url":"https:\/\/www.bqs.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8eaf08ef5a7e54fc91db02b2058b03bc913caaaa39c046819bbf43d06bd23c2b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8eaf08ef5a7e54fc91db02b2058b03bc913caaaa39c046819bbf43d06bd23c2b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bqs.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bqs.cz\/wp-content\/uploads\/osobn%C3%AD%20sch%C5%AFzka_6.jpg","url":"https:\/\/www.bqs.cz\/wp-content\/uploads\/osobn%C3%AD%20sch%C5%AFzka_6.jpg","height":0,"width":0},"url":"https:\/\/www.bqs.cz\/zamitnuta-zadost-o-uver-co-ted\/","about":["Pen\u00edze"],"wordCount":405,"articleBody":"   Sen o vlastn\u00edm bydlen\u00ed se m\u016f\u017ee p\u0159evr\u00e1tit vzh\u016fru nohama doslova mrknut\u00edm oka, kdy\u017e v\u00e1m v bance va\u0161\u00ed \u017e\u00e1dost zam\u00edtnou. Banky jsou v p\u0159\u00edpad\u011b hypote\u010dn\u00edch \u00fav\u011br\u016f ke sv\u00fdm \u017eadatel\u016fm p\u0159\u00edsn\u00ed a u\u017e d\u00e1vno nen\u00ed pravidlem, \u017ee hypot\u00e9ku z\u00edsk\u00e1 ka\u017ed\u00fd, kdo o n\u00ed za\u017e\u00e1d\u00e1. D\u016fvod\u016f k zam\u00edtnut\u00ed \u00fav\u011bru je hned n\u011bkolik a mnoho lid\u00ed nakonec odejde z banky s nepo\u0159\u00edzenou. Jak tedy postupovat, na co si d\u00e1t pozor. A existuje je\u0161t\u011b n\u011bjak\u00e9 jin\u00e9 \u0159e\u0161en\u00ed, kdy\u017e u\u017e banka \u00fav\u011br zam\u00edtne? Zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed neust\u00e1le p\u0159ib\u00fdv\u00e1, prim\u00e1rn\u011b za to m\u016f\u017ee novela z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kter\u00e1 p\u0159ikazuje bank\u00e1m d\u016fkladnou lustraci ka\u017ed\u00e9ho nov\u00e9ho \u017eadatele. Za zam\u00edtnut\u00fdm \u00fav\u011brem tak prim\u00e1rn\u011b stoj\u00ed sp\u00ed\u0161e legislativa ne\u017e neochota bank p\u016fj\u010dovat. I kdyby cht\u011bly, tak nemohou. Na druhou stranu je tu ov\u0161em i p\u0159ebytek likvidity, kdy banky mus\u00ed doslova bojovat o ka\u017ed\u00e9ho nov\u00e9ho klienta. Do karet jim nehraj\u00ed ani nebankovn\u00ed spole\u010dnosti, jejich\u017e po\u010det posledn\u00ed dobou roste p\u0159\u00edmo raketovou rychlost\u00ed. Nebankovn\u00ed spole\u010dnosti v\u0161ak na \u017eadatele, kter\u00fdm banka odm\u00edtla schv\u00e1lit \u00fav\u011br, \u010dekaj\u00ed p\u0159\u00edmo s otev\u0159enou n\u00e1ru\u010d\u00ed. V mnoh\u00fdch ohledech jsou daleko benevolentn\u011bj\u0161\u00ed ne\u017e banky a nab\u00edz\u00ed mnohdy podobn\u00e9 nab\u00eddky \u00fav\u011br\u016f a \u00farokov\u00fdch sazeb. Jinak tomu nen\u00ed ani v p\u0159\u00edpad\u011b americk\u00e9 hypot\u00e9ky bez registru Ferovahypoteka. Jak u\u017e z n\u00e1zvu vypl\u00fdv\u00e1, je prim\u00e1rn\u011b ur\u010dena pro \u017eadatele, je\u017e se v minulosti dopustili n\u011bkter\u00fdch proh\u0159e\u0161k\u016f se spl\u00e1cen\u00edm sv\u00fdch pohled\u00e1vek. A jak je to vlastn\u011b s p\u0159\u00edjmem? Pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem je pro banku t\u00e9\u017e nesm\u00edrn\u011b d\u016fle\u017eit\u00fd a p\u0159edstavuje jeden z kl\u00ed\u010dov\u00fdch faktor\u016f, na kter\u00fd se banka v p\u0159\u00edpad\u011b \u017e\u00e1dost\u00ed zam\u011b\u0159uje. Pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem je tak\u00e9 zapot\u0159eb\u00ed dolo\u017eit pracovn\u00ed smlouvou, v ide\u00e1ln\u00edm p\u0159\u00edpad\u011b na dobu neur\u010ditou. V p\u0159\u00edpad\u011b, \u017ee \u017eadatel disponuje pouze pracovn\u00ed smlouvou na dobu ur\u010ditou, je zapot\u0159eb\u00ed, aby byl \u00fav\u011br splacen je\u0161t\u011b d\u0159\u00edve ne\u017e dojde k vypr\u0161en\u00ed pracovn\u00ed smlouvy.                                                                                                                                                                                                                                                                                                                                                                                           3.9\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Zam\u00edtnut\u00e1 \u017e\u00e1dost o \u00fav\u011br: Co te\u010f!?","item":"https:\/\/www.bqs.cz\/zamitnuta-zadost-o-uver-co-ted\/#breadcrumbitem"}]}]