[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.buduin.cz\/zamitnuti-uveru-ve-vetsine-bank-kazdodenni-chleb\/#Article","mainEntityOfPage":"https:\/\/www.buduin.cz\/zamitnuti-uveru-ve-vetsine-bank-kazdodenni-chleb\/","headline":"Zam\u00edtnut\u00ed \u00fav\u011bru? Ve v\u011bt\u0161in\u011b bank ka\u017edodenn\u00ed chl\u00e9b!","name":"Zam\u00edtnut\u00ed \u00fav\u011bru? Ve v\u011bt\u0161in\u011b bank ka\u017edodenn\u00ed chl\u00e9b!","description":"Vy\u0159izov\u00e1n\u00ed \u00fav\u011bru je del\u0161\u00ed proces s nejasn\u00fdm koncem a tak je k n\u011bmu tak\u00e9 zapot\u0159eb\u00ed p\u0159istupovat. I kdy\u017e by se mohlo s ur\u010ditost\u00ed \u0159\u00edct, \u017ee v sou\u010dasn\u00e9 dob\u011b je na trhu p\u0159ebytek likvidity a banky i nebankovn\u00ed spole\u010dnosti se doslova p\u0159etahuj\u00ed o ka\u017ed\u00e9ho klienta, nen\u00ed tomu tak. \u010cNB stanovuje p\u0159\u00edsn\u00e9 podm\u00ednky pro schvalovac\u00ed proces, kter\u00fd<a class=\"more-link\" href=\"https:\/\/www.buduin.cz\/zamitnuti-uveru-ve-vetsine-bank-kazdodenni-chleb\/\"> Pokra\u010dovat ve \u010dten\u00ed <span class=\"screen-reader-text\">Zam\u00edtnut\u00ed \u00fav\u011bru? Ve v\u011bt\u0161in\u011b bank ka\u017edodenn\u00ed chl\u00e9b!<\/span> <span class=\"meta-nav\" aria-hidden=\"true\">&rarr;<\/span><\/a>","datePublished":"2021-01-18","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.buduin.cz\/author\/#Person","name":"buduin.cz\n","url":"https:\/\/www.buduin.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c0c0e488d5f88ebdb5e32a558e21f6df03f38644814b5677bcd67e16813bee55?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c0c0e488d5f88ebdb5e32a558e21f6df03f38644814b5677bcd67e16813bee55?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"buduin.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.buduin.cz\/wp-content\/uploads\/art396250_1x1_20260816_094714_u0E8Mv.jpg","url":"https:\/\/www.buduin.cz\/wp-content\/uploads\/art396250_1x1_20260816_094714_u0E8Mv.jpg","height":0,"width":0},"url":"https:\/\/www.buduin.cz\/zamitnuti-uveru-ve-vetsine-bank-kazdodenni-chleb\/","about":["Finance"],"wordCount":387,"articleBody":"          Vy\u0159izov\u00e1n\u00ed \u00fav\u011bru je del\u0161\u00ed proces s nejasn\u00fdm koncem a tak je k n\u011bmu tak\u00e9 zapot\u0159eb\u00ed p\u0159istupovat. I kdy\u017e by se mohlo s ur\u010ditost\u00ed \u0159\u00edct, \u017ee v sou\u010dasn\u00e9 dob\u011b je na trhu p\u0159ebytek likvidity a banky i nebankovn\u00ed spole\u010dnosti se doslova p\u0159etahuj\u00ed o ka\u017ed\u00e9ho klienta, nen\u00ed tomu tak. \u010cNB stanovuje p\u0159\u00edsn\u00e9 podm\u00ednky pro schvalovac\u00ed proces, kter\u00fd mus\u00ed cht\u011b necht\u011b tyto instituce dodr\u017eet. Pokud by tak neu\u010dinily, d\u0159\u00edve nebo pozd\u011bji by cel\u00e1 smlouva o p\u016fj\u010dce mohla b\u00fdt napadnuta pro jej\u00ed neplatnost, co\u017e by mohlo v\u00e9st ke katastrof\u00e1ln\u00edmu sc\u00e9n\u00e1\u0159i pro v\u011b\u0159itele i dlu\u017en\u00edka.  S n\u011bkterou s podob \u00fav\u011bru m\u00e1 zku\u0161enosti dle statistik ka\u017ed\u00fd druh\u00fd \u010cech. Samoz\u0159ejm\u011b v tomto propo\u010dtu nejsou zahrnuty jenom spot\u0159ebitelsk\u00e9 \u00fav\u011bry, ale nap\u0159\u00edklad i hypot\u00e9ky. Nesm\u00edme zapom\u00ednat ani na nebankovn\u00ed sektor, kde st\u00e1le p\u0159evl\u00e1daj\u00ed pr\u00e1v\u011b spot\u0159ebitelsk\u00e9 \u00fav\u011bry, ale stejn\u011b tak se zde m\u016f\u017eete setkat t\u0159eba s nebankovn\u00ed americkou hypot\u00e9kou.   Nebankovn\u00ed sektor je ke sv\u00fdm potencion\u00e1ln\u00edm klient\u016fm p\u0159eci jenom o pozn\u00e1n\u00ed p\u0159\u00edv\u011btiv\u011bj\u0161\u00ed. Setkat se tak m\u016f\u017eete s n\u011bkter\u00fdmi \u00fav\u011brov\u00fdmi produkty, u kter\u00fdch nen\u00ed pot\u0159eba dokl\u00e1dat p\u0159\u00edjem, nebo v\u011b\u0159itel\u00e9 nepo\u017eaduj\u00ed \u010dist\u00fd z\u00e1znam v registrech dlu\u017en\u00edk\u016f. Zkr\u00e1tka pokud se n\u011bkdo dostane do t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situace a banky p\u0159ed n\u00edm zav\u0159ou dve\u0159e, jsou to pr\u00e1v\u011b nebankovn\u00ed spole\u010dnosti, kter\u00e9 \u010dasto podaj\u00ed z\u00e1chranou ruku.  N\u00edzk\u00e1 bonita \u017eadatele Pokud je \u017eadatel p\u0159\u00edli\u0161 mlad\u00fd, nem\u00e1 dostate\u010dn\u00fd p\u0159\u00edjem nebo nap\u0159\u00edklad jeho jm\u00e9no figuruje v n\u011bkter\u00e9m z registru dlu\u017en\u00edk\u016f, jeho bonita nebude asi p\u0159\u00edli\u0161 vysok\u00e1 a banka automaticky takov\u00e9ho \u017eadatele vyhodnot\u00ed jako nesolventn\u00edho. Jen t\u011b\u017eko takov\u00fd \u017eadatel bude schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, kter\u00e9 by p\u0159\u00edpadn\u011b v\u016f\u010di dan\u00e9mu v\u011b\u0159iteli (bance) m\u011bl. Bonita \u017eadatele je zdlouhav\u00fd proces pln\u00fd prov\u011b\u0159ov\u00e1n\u00ed a jeliko\u017e banka ke ka\u017ed\u00e9mu \u017eadateli p\u0159istupuje individu\u00e1ln\u011b, je pot\u0159eba se obrnit trp\u011blivost\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Zam\u00edtnut\u00ed \u00fav\u011bru? Ve v\u011bt\u0161in\u011b bank ka\u017edodenn\u00ed chl\u00e9b!","item":"https:\/\/www.buduin.cz\/zamitnuti-uveru-ve-vetsine-bank-kazdodenni-chleb\/#breadcrumbitem"}]}]