[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.keraben-cr.cz\/duvody-diky-kterym-vam-banka-neposkytne-uver\/#Article","mainEntityOfPage":"https:\/\/www.keraben-cr.cz\/duvody-diky-kterym-vam-banka-neposkytne-uver\/","headline":"D\u016fvody, d\u00edky kter\u00fdm v\u00e1m banka neposkytne \u00fav\u011br","name":"D\u016fvody, d\u00edky kter\u00fdm v\u00e1m banka neposkytne \u00fav\u011br","description":"Nikdy nev\u00edme, kdy se zrovna my m\u016f\u017eeme shodou okolnost\u00ed dostat do t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situace. Neschopnost spl\u00e1cet zvl\u00e1\u0161t\u011b v t\u00e9to t\u011b\u017ek\u00e9 dob\u011b mus\u00ed tr\u00e1pit spoustu lid\u00ed. Jen\u017ee i kdy\u017e by banky v t\u00e9to chv\u00edli m\u011bly st\u00e1t po na\u0161em boku, ne v\u017edy se na n\u011b m\u016f\u017eeme spolehnout. Pokud v\u00e1m banka zam\u00edtla \u017e\u00e1dost o \u00fav\u011br, d\u016fvod\u016f m\u016f\u017ee b\u00fdt […]","datePublished":"2020-10-24","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.keraben-cr.cz\/author\/#Person","name":"","url":"https:\/\/www.keraben-cr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1fd5b20daa9a47a1102459a7c733d369075d8cc724ab489feb8ed72c657d346e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1fd5b20daa9a47a1102459a7c733d369075d8cc724ab489feb8ed72c657d346e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"keraben-cr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.keraben-cr.cz\/wp-content\/uploads\/kl%C3%AD%C4%8De%20od%20domu_6.jpg","url":"https:\/\/www.keraben-cr.cz\/wp-content\/uploads\/kl%C3%AD%C4%8De%20od%20domu_6.jpg","height":0,"width":0},"url":"https:\/\/www.keraben-cr.cz\/duvody-diky-kterym-vam-banka-neposkytne-uver\/","about":["Pen\u00edze"],"wordCount":426,"articleBody":"      Nikdy nev\u00edme, kdy se zrovna my m\u016f\u017eeme shodou okolnost\u00ed dostat do t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situace. Neschopnost spl\u00e1cet zvl\u00e1\u0161t\u011b v t\u00e9to t\u011b\u017ek\u00e9 dob\u011b mus\u00ed tr\u00e1pit spoustu lid\u00ed. Jen\u017ee i kdy\u017e by banky v t\u00e9to chv\u00edli m\u011bly st\u00e1t po na\u0161em boku, ne v\u017edy se na n\u011b m\u016f\u017eeme spolehnout. Pokud v\u00e1m banka zam\u00edtla \u017e\u00e1dost o \u00fav\u011br, d\u016fvod\u016f m\u016f\u017ee b\u00fdt hned n\u011bkolik. Nestabiln\u00ed p\u0159\u00edjem, negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f nebo \u0161patn\u00e1 bonita klienta\u2026to v\u0161e jsou faktory, kter\u00e9 ovlivn\u00ed, zda p\u016fj\u010dku z\u00edsk\u00e1te. Po novele o spot\u0159ebitelsk\u00e9m z\u00e1kon\u011b p\u0159ibilo mnoho nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 nab\u00edz\u00ed zaj\u00edmav\u00e9 \u00fav\u011brov\u00e9 produkty. Americk\u00e1 hypot\u00e9ka bez registru, rychl\u00e9 p\u016fj\u010dky do p\u00e1r minut \u010dasto dok\u00e1\u017e\u00ed zamotat hlavu \u0159ad\u011b d\u016fv\u011b\u0159ivc\u016f. Na trhu je ale p\u0159ebytek likvidity a tak se bankovn\u00ed domy, spole\u010dn\u011b s nebankovn\u00edmi spole\u010dnostmi p\u0159edh\u00e1n\u00ed v nab\u00eddk\u00e1ch a doslova bojuj\u00ed o ka\u017ed\u00e9ho klienta. Ov\u0161em z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru je nekompromisn\u00ed a striktn\u011b na\u0159izuje, kdo na p\u016fj\u010dku m\u016f\u017ee dos\u00e1hnout a kdo odejde dom\u016f s nepo\u0159\u00edzenou. I kdy\u017e se na prvn\u00ed pohled m\u016f\u017ee zd\u00e1t tento z\u00e1kon diskriminuj\u00edc\u00ed, m\u00e1 chr\u00e1nit pr\u00e1v\u011b samotn\u00e9 \u017eadatele. Pracovn\u00ed smlouva na dobu neur\u010ditouPravideln\u00fd p\u0159\u00edjem je pro banku kl\u00ed\u010dov\u00fd faktor pro z\u00edsk\u00e1n\u00ed jak\u00e9hokoliv \u00fav\u011bru. Abyste m\u011bli \u00fav\u011br z \u010deho spl\u00e1cet, pot\u0159ebujete pravideln\u00fd p\u0159\u00edjem. Ide\u00e1ln\u00ed je, pokud disponujete pracovn\u00ed smlouvou na dobu neur\u010ditou. Posta\u010d\u00ed samoz\u0159ejm\u011b i pracovn\u00ed smlouva na dobu ur\u010ditou, v takov\u00e9m p\u0159\u00edpad\u011b je v\u0161ak nutn\u00e9, aby byl \u00fav\u011br splacen je\u0161t\u011b p\u0159ed koncem pracovn\u00ed smlouvy. V p\u0159\u00edpad\u011b, kdy je \u017eadatel ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b, banka se d\u00e1le \u017e\u00e1dost\u00ed zab\u00fdvat nebude a \u00fav\u011br zam\u00edtne. Z\u00e1znamy v registrech dlu\u017en\u00edk\u016fUr\u010dit\u011b nen\u00ed pot\u0159eba p\u0159ipom\u00ednat, \u017ee na\u0161e platebn\u00ed mor\u00e1lka je zaznamen\u00e1v\u00e1na do registr\u016f dlu\u017en\u00edk\u016f. Pokud jste se n\u011bkdy v minulosti ocitli v situaci, kdy nebylo mo\u017en\u00e9 dost\u00e1t va\u0161im z\u00e1vazk\u016fm, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed se m\u016f\u017eete pozd\u011bji pot\u00fdkat s negativn\u00edm z\u00e1znamem pr\u00e1v\u011b v registru dlu\u017en\u00edk\u016f.                                                                                                                                                                                                                                                                                                                                                                                           4.1\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"D\u016fvody, d\u00edky kter\u00fdm v\u00e1m banka neposkytne \u00fav\u011br","item":"https:\/\/www.keraben-cr.cz\/duvody-diky-kterym-vam-banka-neposkytne-uver\/#breadcrumbitem"}]}]