[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.mitril.cz\/duvody-ktere-mohou-vest-az-k-zamitnuti-uveru\/#Article","mainEntityOfPage":"https:\/\/www.mitril.cz\/duvody-ktere-mohou-vest-az-k-zamitnuti-uveru\/","headline":"D\u016fvody, kter\u00e9 mohou v\u00e9st a\u017e k zam\u00edtnut\u00ed \u00fav\u011bru","name":"D\u016fvody, kter\u00e9 mohou v\u00e9st a\u017e k zam\u00edtnut\u00ed \u00fav\u011bru","description":"Tak\u00e9 se pt\u00e1te sami sebe v duchu na prostou ot\u00e1zku: \u201eDostanu hypot\u00e9ku?\u201c I kdy\u017e je v sou\u010dasn\u00e9 dob\u011b na trhu p\u0159ebytek likvidity a banky doslova … ","datePublished":"2021-05-07","dateModified":"2021-05-07","author":{"@type":"Person","@id":"https:\/\/www.mitril.cz\/author\/#Person","name":"","url":"https:\/\/www.mitril.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0412c3dad30f33fa104fa4f87b3ce5af9aea5f3e20fa015d071a3573d325a5fc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0412c3dad30f33fa104fa4f87b3ce5af9aea5f3e20fa015d071a3573d325a5fc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"mitril.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.mitril.cz\/wp-content\/uploads\/ruli%C4%8Dka%20pen%C4%9Bz_3.jpg","url":"https:\/\/www.mitril.cz\/wp-content\/uploads\/ruli%C4%8Dka%20pen%C4%9Bz_3.jpg","height":0,"width":0},"url":"https:\/\/www.mitril.cz\/duvody-ktere-mohou-vest-az-k-zamitnuti-uveru\/","about":["Internet"],"wordCount":400,"articleBody":"   Tak\u00e9 se pt\u00e1te sami sebe v duchu na prostou ot\u00e1zku: \u201eDostanu hypot\u00e9ku?\u201c I kdy\u017e je v sou\u010dasn\u00e9 dob\u011b na trhu p\u0159ebytek likvidity a banky doslova bojuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta, p\u0159ib\u00fdv\u00e1 i po\u010det zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. M\u016f\u017ee za to novela z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru a \u010cesk\u00e1 n\u00e1rodn\u00ed banka, kter\u00e1 s ur\u010ditou pravidelnost\u00ed upravuje podm\u00ednky pro schv\u00e1len\u00ed \u00fav\u011bru. Naposledy tak u\u010dinila v dubnu lo\u0148sk\u00e9ho roku, kdy reagovala na aktu\u00e1ln\u00ed na\u0159\u00edzen\u00ed vl\u00e1dy ohledn\u011b celosv\u011btov\u00e9 pandemie koronaviru. D\u00e1le tak\u00e9 \u010cNB p\u0159ikazuje bankovn\u00edm i nebankovn\u00edm spole\u010dnostem d\u016fkladnou lustraci ka\u017ed\u00e9ho \u017eadatele. Pokud by tak neu\u010dinily, dlu\u017en\u00edk by mohl pozd\u011bji cel\u00fd \u00fav\u011br napadnout pro jeho neplatnost. N\u00e1sledn\u011b by pak nemusel platit \u00farok ani dal\u0161\u00ed poplatky a p\u016fj\u010denou sumu by spl\u00e1cel dle sv\u00fdch finan\u010dn\u00edch mo\u017enost\u00ed. Nastaven\u00e9 podm\u00ednky tak chr\u00e1n\u00ed nejenom poskytovatele \u00fav\u011br\u016f, ale i samotn\u00e9ho dlu\u017en\u00edka. Za zam\u00edtnut\u00fdm \u00fav\u011brem tak hledejte sp\u00ed\u0161e slo\u017eitou legislativu ne\u017e neochotu bank. P\u0159\u00edjemNedostate\u010dn\u00fd p\u0159\u00edjem je jednou z p\u0159\u00ed\u010din, kter\u00e1 vede banku k zam\u00edtnut\u00ed \u017e\u00e1dosti. Nen\u00ed se, ale \u010demu divit, aby byl dlu\u017en\u00edk schopen spl\u00e1cet sv\u00e9 z\u00e1vazky, pot\u0159ebuje m\u00edt z \u010deho. Prim\u00e1rn\u011b jsou akceptov\u00e1ny p\u0159\u00edjmy ze zam\u011bstn\u00e1n\u00ed, samostatn\u011b v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti nebo t\u0159eba z pron\u00e1jmu nemovitosti. P\u0159\u00edjmy jako soci\u00e1ln\u00ed d\u00e1vky, starobn\u00ed d\u016fchod \u010di nedolo\u017eiteln\u00e9 p\u0159\u00edjmy, bankovn\u00ed instituce neakceptuj\u00ed. Registr dlu\u017en\u00edk\u016fPokud m\u011bl \u017eadatel n\u011bkdy v minulosti probl\u00e9m se spln\u011bn\u00edm sv\u00fdch z\u00e1vazk\u016fm v\u016f\u010di v\u011b\u0159itel\u016fm, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed o tom bude z\u00e1znam v n\u011bkter\u00e9m z registru dlu\u017en\u00edk\u016f. Bankovn\u00ed i nebankovn\u00ed instituce maj\u00ed do t\u011bchto registr\u016f voln\u00fd p\u0159\u00edstup a \u017eadatele zde prov\u011b\u0159uj\u00ed. V p\u0159\u00edpad\u011b, \u017ee se u jeho jm\u00e9na objev\u00ed negativn\u00ed z\u00e1znam, bude velmi n\u00e1ro\u010dn\u00e9 banku p\u0159esv\u011bd\u010dit, \u017ee je schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, kter\u00e9 by p\u0159\u00edpadn\u011b v\u016f\u010di n\u00ed m\u011bl. Pov\u011bt\u0161inou ale odejde dom\u016f s nepo\u0159\u00edzenou.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"D\u016fvody, kter\u00e9 mohou v\u00e9st a\u017e k zam\u00edtnut\u00ed \u00fav\u011bru","item":"https:\/\/www.mitril.cz\/duvody-ktere-mohou-vest-az-k-zamitnuti-uveru\/#breadcrumbitem"}]}]