[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.gomel.cz\/kdy-a-proc-muze-banka-zamitnout-uver\/#Article","mainEntityOfPage":"https:\/\/www.gomel.cz\/kdy-a-proc-muze-banka-zamitnout-uver\/","headline":"Kdy a pro\u010d m\u016f\u017ee banka zam\u00edtnout \u00fav\u011br?","name":"Kdy a pro\u010d m\u016f\u017ee banka zam\u00edtnout \u00fav\u011br?","description":"V n\u011bkter\u00fdch p\u0159\u00edpadech banka m\u016f\u017ee zam\u00edtnout \u00fav\u011br bez ud\u00e1n\u00ed d\u016fvodu, co pak? Diskvalifika\u010dn\u00edm faktorem p\u0159itom m\u016f\u017ee b\u00fdt cel\u00e1 \u0159ada \u201eproh\u0159e\u0161k\u016f\u201c, jako je negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f, pracovn\u00ed smlouva na dobu ur\u010ditou aj. V\u00edte, jak\u00e9 jsou ne\u010dast\u011bj\u0161\u00ed p\u0159\u00ed\u010diny, pro kter\u00e9 banka \u00fav\u011bry zam\u00edtne? Co je bonita klienta a jak ovliv\u0148uje na\u0161\u00ed \u0161anci pro zisk \u00fav\u011bru?...","datePublished":"2020-11-28","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.gomel.cz\/author\/#Person","name":"","url":"https:\/\/www.gomel.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9cac53ffad5d6e0659d72eaf216400c165f8fbf396c79017c66698a8aa5be23d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9cac53ffad5d6e0659d72eaf216400c165f8fbf396c79017c66698a8aa5be23d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"gomel.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.gomel.cz\/wp-content\/uploads\/pr%C3%A1zdn%C3%A9%20kapsy_8.jpg","url":"https:\/\/www.gomel.cz\/wp-content\/uploads\/pr%C3%A1zdn%C3%A9%20kapsy_8.jpg","height":0,"width":0},"url":"https:\/\/www.gomel.cz\/kdy-a-proc-muze-banka-zamitnout-uver\/","about":["Finance"],"wordCount":420,"articleBody":"       V n\u011bkter\u00fdch p\u0159\u00edpadech banka m\u016f\u017ee zam\u00edtnout \u00fav\u011br bez ud\u00e1n\u00ed d\u016fvodu, co pak? Diskvalifika\u010dn\u00edm faktorem p\u0159itom m\u016f\u017ee b\u00fdt cel\u00e1 \u0159ada \u201eproh\u0159e\u0161k\u016f\u201c, jako je negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f, pracovn\u00ed smlouva na dobu ur\u010ditou aj. V\u00edte, jak\u00e9 jsou ne\u010dast\u011bj\u0161\u00ed p\u0159\u00ed\u010diny, pro kter\u00e9 banka \u00fav\u011bry zam\u00edtne? Co je bonita klienta a jak ovliv\u0148uje na\u0161\u00ed \u0161anci pro zisk \u00fav\u011bru?V posledn\u00edch letech j na trhu p\u0159ebytek likvidity, to vede k jedin\u00e9mu, banky se p\u0159edh\u00e1n\u011bj\u00ed v t\u011bch nejlep\u0161\u00edch nab\u00eddk\u00e1ch a doslova bojuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta. Ov\u0161em nesm\u00edme zapom\u00ednat ani na p\u0159\u00edsnou legislativu, kter\u00e1 p\u0159esn\u011b vymezuje, kdo m\u016f\u017ee \u00fav\u011br z\u00edskat a kdo nikoliv. Z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru pak p\u0159esn\u011b definuje a p\u0159\u00edmo na\u0159izuje bank\u00e1m prov\u011b\u0159it ka\u017ed\u00e9ho \u017eadatele o \u00fav\u011br. I kdyby banky cht\u011bly, tak nemohou nab\u00eddnout \u00fav\u011br \u017eadateli s n\u00edzkou bonitou. Ta ud\u00e1v\u00e1, zda je \u017eadatel schopn\u00fd dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, kter\u00e9 by podpisem smlouvy v\u016f\u010di bance m\u011bl. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b by dlu\u017en\u00edk mohl pozd\u011bji smlouvu napadnout pro jej\u00ed ned\u016fv\u011bryhodnost, co\u017e by pro v\u011b\u0159itele (banku) mohlo m\u00edt nedoz\u00edrn\u00e9 n\u00e1sledky. Pracovn\u00ed \u00favazekJe to vcelku pochopiteln\u00e9, bez pravideln\u00e9ho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu nebude schopn\u00fd dlu\u017en\u00edk dost\u00e1t z\u00e1vazk\u016fm, kter\u00e9 v\u016f\u010di v\u011b\u0159iteli m\u00e1. Pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem je tak pro banku kl\u00ed\u010dov\u00fd. Ten garantuje pracovn\u00ed smlouva na dobu neur\u010ditou. V p\u0159\u00edpad\u011b, kdy m\u00e1 \u017eadatel pracovn\u00ed smlouvu na dobu ur\u010ditou, je\u0161t\u011b m\u016f\u017ee na \u00fav\u011br dos\u00e1hnout, ale je nutn\u00e9, aby byl dluh splacen je\u0161t\u011b p\u0159ed vypr\u0161en\u00edm pracovn\u00ed smlouvy. Pokud v\u0161ak \u017eadatel nem\u016f\u017ee dolo\u017eit pracovn\u00ed smlouvu, p\u0159\u00edpadn\u011b je ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b, banka s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed \u017e\u00e1dost o \u00fav\u011br zam\u00edtne. Podobn\u00fd probl\u00e9m m\u016f\u017ee nastat i u \u017eadatel\u016f osv\u010d, kte\u0159\u00ed maj\u00ed ka\u017ed\u00fd m\u011bs\u00edc rozd\u00edlnou v\u00fd\u0161i p\u0159\u00edjmu. Na n\u011b mysl\u00ed pr\u00e1v\u011b nebankovn\u00ed spole\u010dnosti, kter\u00e9 nab\u00edz\u00ed hypot\u00e9ku osv\u010d Fahd. Ty jsou na rozd\u00edl od bankovn\u00edch dom\u016f mnohdy benevolentn\u011bj\u0161\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy a pro\u010d m\u016f\u017ee banka zam\u00edtnout \u00fav\u011br?","item":"https:\/\/www.gomel.cz\/kdy-a-proc-muze-banka-zamitnout-uver\/#breadcrumbitem"}]}]