[{"@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\/puzzle%20d%C5%AFm_5.jpg","url":"https:\/\/www.buduin.cz\/wp-content\/uploads\/puzzle%20d%C5%AFm_5.jpg","height":0,"width":0},"url":"https:\/\/www.buduin.cz\/zamitnuti-uveru-ve-vetsine-bank-kazdodenni-chleb\/","about":["Finance"],"wordCount":389,"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 \u017eadatelePokud 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.                                                                                                                                                                                                                                                                                                                                                                                           4\/5 - (7 votes)        "},{"@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"}]}]