[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pacifika.cz\/odvracena-tvar-bankovnich-uveru\/#Article","mainEntityOfPage":"https:\/\/www.pacifika.cz\/odvracena-tvar-bankovnich-uveru\/","headline":"Odvr\u00e1cen\u00e1 tv\u00e1\u0159 bankovn\u00edch \u00fav\u011br\u016f","name":"Odvr\u00e1cen\u00e1 tv\u00e1\u0159 bankovn\u00edch \u00fav\u011br\u016f","description":"V p\u0159\u00edpad\u011b, kdy se \u010dlov\u011bk ocitne v t\u011b\u017ek\u00e9 \u017eivotn\u00ed situaci a pot\u0159ebuje co mo\u017en\u00e1 nejrychleji...","datePublished":"2021-04-12","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.pacifika.cz\/author\/#Person","name":"","url":"https:\/\/www.pacifika.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ac70c9e5ac34d1687bd81eed3e0a5127e2920111fdfe832b53d740bc4b86c4fd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ac70c9e5ac34d1687bd81eed3e0a5127e2920111fdfe832b53d740bc4b86c4fd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pacifika.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pacifika.cz\/wp-content\/uploads\/v%C3%BDb%C4%9Br%20z%20bankomatu_1.jpg","url":"https:\/\/www.pacifika.cz\/wp-content\/uploads\/v%C3%BDb%C4%9Br%20z%20bankomatu_1.jpg","height":0,"width":0},"url":"https:\/\/www.pacifika.cz\/odvracena-tvar-bankovnich-uveru\/","about":["Finance"],"wordCount":400,"articleBody":"      V p\u0159\u00edpad\u011b, kdy se \u010dlov\u011bk ocitne v t\u011b\u017ek\u00e9 \u017eivotn\u00ed situaci a pot\u0159ebuje co mo\u017en\u00e1 nejrychleji z\u00edskat finan\u010dn\u00ed prost\u0159edky, jsou to pr\u00e1v\u011b bankovn\u00ed subjekty, kter\u00e9 by mu m\u011bly pomoci. Jen\u017ee ne v\u017edy tomu tak je. Bankovn\u00ed \u00fav\u011bry jsou pro mnoh\u00e9 st\u00e1le znakem st\u00e1losti, jistoty a d\u016fv\u011bryhodnosti. V posledn\u00edch letech jsou ale u \u0159ady z nich nastaveny velmi p\u0159\u00edsn\u00e9 podm\u00ednky, kter\u00fdm ne ka\u017ed\u00fd \u017eadatel vyhov\u00ed. Jak\u00e9 jsou nej\u010dast\u011bj\u0161\u00ed d\u016fvody, kter\u00e9 vedou banku k zam\u00edtnut\u00ed \u017e\u00e1dosti?Nedostate\u010dn\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjemPravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem je pro banku p\u0159i \u017e\u00e1dosti rozhoduj\u00ed a jedn\u00edm z kl\u00ed\u010dov\u00fdch faktor\u016f. Pokud m\u00e1 \u017eadatel nedostate\u010dn\u00e9 p\u0159\u00edjmy nebo jejich v\u00fd\u0161i nen\u00ed schopen dolo\u017eit, je to pro bankovn\u00ed subjekt jasn\u00fd ukazatel ned\u016fv\u011bryhodnosti \u017eadatele. Takov\u00fd \u017eadatel by n\u00e1sledn\u011b nebyl schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm a bankovn\u00ed subjekt by p\u0159i\u0161el o nemal\u00fd finan\u010dn\u00ed obnos. Je\u0161t\u011b p\u0159\u00edsn\u011bj\u0161\u00ed podm\u00ednky jsou spjaty s hypote\u010dn\u00edmi \u00fav\u011bry, nebo\u0165 zde se p\u0159edpokl\u00e1d\u00e1, \u017ee \u017eadatel bude spl\u00e1cet mnohem del\u0161\u00ed dobu. N\u011bkter\u00e9 nebankovn\u00ed subjekty v\u0161ak p\u0159i\u0161ly s nab\u00eddkou hypot\u00e9ky bez dolo\u017een\u00ed p\u0159\u00edjmu, kter\u00e1 je v tomto ohledu o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed. M\u011bjte ale na pam\u011bti, \u017ee se jedn\u00e1 o americkou hypot\u00e9ku a je tedy nutn\u00e9 poskytnout k z\u00e1stav\u011b nemovitost adekv\u00e1tn\u00ed hodnoty. Z\u00e1znamy v registrech dlu\u017en\u00edk\u016fProh\u0159e\u0161ek, by\u0165 mal\u00fd, vede automaticky k negativn\u00edmu z\u00e1znamu v n\u011bkter\u00e9m z registru dlu\u017en\u00edk\u016f. V p\u0159\u00edpad\u011b \u017e\u00e1dosti o \u00fav\u011br je negativn\u00ed z\u00e1znam v registru automatickou zkratkou k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br. Je tedy nesm\u00edrn\u011b d\u016fle\u017eit\u00e9, ve\u0161ker\u00e9 sv\u00e9 pohled\u00e1vky spl\u00e1cet v\u010das. Do registr\u016f se zaznamen\u00e1vaj\u00ed i zam\u00edtnut\u00e9 \u017e\u00e1dosti o \u00fav\u011br, pokud v\u00e1m v jedn\u00e9 bance \u017e\u00e1dost zam\u00edtnou, v dal\u0161\u00ed s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed nepo\u010d\u00edtejte s jin\u00fdm z\u00e1v\u011brem. Proti bank\u00e1m v tomto ohledu stoj\u00ed slo\u017eit\u00e1 legislativa, kter\u00e1 vy\u0161la v platnost v prosinci 2020. Za zam\u00edtnut\u00fdm \u00fav\u011brem tak nehledejte neochotu bank, ale p\u0159\u00edsn\u00e9 podm\u00ednky nastaven\u00e9 \u010cNB.                                                                                                                                                                                                                                                                                                                                                                                           4.5\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Odvr\u00e1cen\u00e1 tv\u00e1\u0159 bankovn\u00edch \u00fav\u011br\u016f","item":"https:\/\/www.pacifika.cz\/odvracena-tvar-bankovnich-uveru\/#breadcrumbitem"}]}]