[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lekus.cz\/duvody-pro-zamitnuti-zadosti-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.lekus.cz\/duvody-pro-zamitnuti-zadosti-o-uver\/","headline":"D\u016fvody pro zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br","name":"D\u016fvody pro zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br","description":"V dne\u0161n\u00ed dob\u011b je vcelku jednoduch\u00e9 ocitnout se v t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situaci. Jen\u017ee ne v\u017edy je banka n\u00e1pomocn\u00e1 a pom\u016f\u017ee n\u00e1m probl\u00e9m vy\u0159e\u0161it. \u00dav\u011bry jsou sice dostupn\u011bj\u0161\u00ed, ne\u017e tomu bylo d\u0159\u00edve, ale st\u00e1le se najde \u0159ada rizikov\u00fdch \u017eadatel\u016f, kter\u00fdm banka zkr\u00e1tka nep\u016fj\u010d\u00ed. Takov\u00fdm \u017eadatel\u016fm pak banka m\u016f\u017ee \u00fav\u011br lehce zam\u00edtnout bez ud\u00e1n\u00ed d\u016fvodu. A co …","datePublished":"2020-11-22","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.lekus.cz\/author\/#Person","name":"lekus.cz\n","url":"https:\/\/www.lekus.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a6945111a6684c356ffa2edea93eeeab9450e38d2439d8ecd0a625f734db9218?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a6945111a6684c356ffa2edea93eeeab9450e38d2439d8ecd0a625f734db9218?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lekus.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lekus.cz\/wp-content\/uploads\/mu%C5%BE%20p%C5%99i%20pr%C3%A1ci_1.jpg","url":"https:\/\/www.lekus.cz\/wp-content\/uploads\/mu%C5%BE%20p%C5%99i%20pr%C3%A1ci_1.jpg","height":0,"width":0},"url":"https:\/\/www.lekus.cz\/duvody-pro-zamitnuti-zadosti-o-uver\/","about":["D\u016fm a byt"],"wordCount":409,"articleBody":"        V dne\u0161n\u00ed dob\u011b je vcelku jednoduch\u00e9 ocitnout se v t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situaci. Jen\u017ee ne v\u017edy je banka n\u00e1pomocn\u00e1 a pom\u016f\u017ee n\u00e1m probl\u00e9m vy\u0159e\u0161it. \u00dav\u011bry jsou sice dostupn\u011bj\u0161\u00ed, ne\u017e tomu bylo d\u0159\u00edve, ale st\u00e1le se najde \u0159ada rizikov\u00fdch \u017eadatel\u016f, kter\u00fdm banka zkr\u00e1tka nep\u016fj\u010d\u00ed. Takov\u00fdm \u017eadatel\u016fm pak banka m\u016f\u017ee \u00fav\u011br lehce zam\u00edtnout bez ud\u00e1n\u00ed d\u016fvodu. A co pak? P\u0159itom diskvalifika\u010dn\u00edm faktorem m\u016f\u017ee m\u00edt mnohdy zd\u00e1nliv\u00e1 mali\u010dkost, jako zku\u0161ebn\u00ed lh\u016fta v pr\u00e1ci nebo negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f. Novela z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bruV posledn\u00edch letech se velmi \u010dasto setk\u00e1v\u00e1me s p\u0159ebytkem likvidity, bankovn\u00ed domy pak doslova bojuj\u00ed o ka\u017ed\u00e9ho klienta a neust\u00e1le inovuj\u00ed a nab\u00edzej\u00ed v\u00fdhodn\u011bj\u0161\u00ed \u00fav\u011bry, kter\u00e9 maj\u00ed potencion\u00e1ln\u00ed \u017eadatele zaujmout a nal\u00e1kat. Ov\u0161em proto tomu stoj\u00ed slo\u017eit\u00e1 legislativa, kter\u00e1 ne doporu\u010duje, ale p\u0159\u00edmo na\u0159izuje ka\u017ed\u00e9ho potencion\u00e1ln\u00edho \u017eadatele prov\u011b\u0159it. Zaj\u00edmaj\u00ed se p\u0159edev\u0161\u00edm o bonitu jednotliv\u00fdch \u017eadatel\u016f, kter\u00e1 prov\u011b\u0159\u00ed, zda jsou schopni dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm v\u016f\u010di bance, p\u0159\u00edpadn\u011b nebankovn\u00ed spole\u010dnosti. Pracovn\u00ed smlouva na dobu ur\u010ditouJe to vcelku prost\u00e9, pokud chcete p\u016fj\u010dku, mus\u00edte j\u00ed m\u00edt z \u010deho spl\u00e1cet a k tomu pot\u0159ebujete pravideln\u00fd p\u0159\u00edjem. Ten garantuje pr\u00e1v\u011b pracovn\u00ed smlouva na dobu neur\u010ditou. Pokud je tedy \u017eadatel ve zku\u0161ebn\u00ed lh\u016ft\u011b nebo je zam\u011bstn\u00e1n pouze na dobu ur\u010ditou, p\u0159i vyjedn\u00e1v\u00e1n\u00ed s bankou mohou nastat pot\u00ed\u017ee. Negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016fPlatebn\u00ed mor\u00e1lka je pravideln\u011b zaznamen\u00e1v\u00e1na do nejr\u016fzn\u011bj\u0161\u00edch registr\u016f. Pokud jste se v\u0161ak n\u011bkdy v minulosti dostali do situace, kdy jste nebyli schopni plnit sv\u00e9 z\u00e1vazky, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed budete m\u00edt negativn\u00ed z\u00e1znam v n\u011bkter\u00e9m z registru dlu\u017en\u00edk\u016f. Nebankovn\u00ed spole\u010dnosti v\u0161ak c\u00edl\u00ed pr\u00e1v\u011b na \u017eadatele, kter\u00fdm byl z jak\u00e9hokoliv d\u016fvodu \u00fav\u011br v bance zam\u00edtnut. Americk\u00e1 hypot\u00e9ka je pak skv\u011blou volbou pro ty, kte\u0159\u00ed cht\u011bj\u00ed bydlet ve vlastn\u00edm, pozn\u00e1vat sv\u011bt nebo studovat.               3.6\/5 - (5 votes)    "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"D\u016fvody pro zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br","item":"https:\/\/www.lekus.cz\/duvody-pro-zamitnuti-zadosti-o-uver\/#breadcrumbitem"}]}]