[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.laglas.cz\/kdy-muze-banka-zadost-o-uver-zamitnout\/#Article","mainEntityOfPage":"https:\/\/www.laglas.cz\/kdy-muze-banka-zadost-o-uver-zamitnout\/","headline":"Kdy m\u016f\u017ee banka \u017e\u00e1dost o \u00fav\u011br zam\u00edtnout?","name":"Kdy m\u016f\u017ee banka \u017e\u00e1dost o \u00fav\u011br zam\u00edtnout?","description":"Chcete si kone\u010dn\u011b splnit sen o vlastn\u00edm bydlen\u00ed? Jen\u017ee ceny nemovitost\u00ed rostou doslova ka\u017ed\u00fdm okam\u017eikem a pot\u0159eba hypot\u00e9ky je v\u00edce…","datePublished":"2021-04-12","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.laglas.cz\/author\/#Person","name":"","url":"https:\/\/www.laglas.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/baa231f7e1963b29d6549eb0e137b049d877d4e97c51386f463c7d4fc98329bd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/baa231f7e1963b29d6549eb0e137b049d877d4e97c51386f463c7d4fc98329bd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"laglas.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.laglas.cz\/wp-content\/uploads\/jedn%C3%A1n%C3%AD%20v%20bance_4.jpg","url":"https:\/\/www.laglas.cz\/wp-content\/uploads\/jedn%C3%A1n%C3%AD%20v%20bance_4.jpg","height":0,"width":0},"url":"https:\/\/www.laglas.cz\/kdy-muze-banka-zadost-o-uver-zamitnout\/","about":["Ekonomika"],"wordCount":429,"articleBody":"       Chcete si kone\u010dn\u011b splnit sen o vlastn\u00edm bydlen\u00ed? Jen\u017ee ceny nemovitost\u00ed rostou doslova ka\u017ed\u00fdm okam\u017eikem a pot\u0159eba hypot\u00e9ky je v\u00edce \u010di m\u00e9n\u011b na m\u00edst\u011b. I kdy\u017e je v sou\u010dasn\u00e9 dob\u011b na trhu p\u0159ebytek likvidity a banky mus\u00ed doslova bojovat o ka\u017ed\u00e9ho nov\u00e9ho \u017eadatele, p\u0159esto p\u0159ib\u00fdv\u00e1 zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. Pro\u010d tomu tak je? Nesm\u00edme zapom\u00ednat na \u010ceskou n\u00e1rodn\u00ed banku a tak\u00e9 z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kter\u00fd je pravideln\u011b modernizov\u00e1n. K jeho posledn\u00ed zm\u011bn\u011b do\u0161lo hned na za\u010d\u00e1tku pandemie v lo\u0148sk\u00e9m roce. U\u017e n\u011bkolik let z\u00e1kon poskytovatel\u016fm \u00fav\u011brov\u00fdch produkt\u016f p\u0159ikazuje, aby ka\u017ed\u00e9ho \u017eadatele d\u016fkladn\u011b prov\u011b\u0159ily a ujistily se, \u017ee je schopen dost\u00e1t p\u0159\u00edpadn\u00fdm z\u00e1vazk\u016fm, ke kter\u00fdm by se podpisem smlouvy uv\u00e1zal. Pokud by tak neu\u010dinily, mohlo by to pro m\u011b m\u00edt nedoz\u00edrn\u00e9 n\u00e1sledky. Dlu\u017en\u00edk by mohl cel\u00fd \u00fav\u011br napadnout pro jeho neplatnost a n\u00e1sledn\u011b by byl povinen spl\u00e1cet pouze p\u016fj\u010denou \u010d\u00e1stku bez dal\u0161\u00edch poplatk\u016f a \u00farok\u016f. Za zam\u00edtnut\u00fdm \u00fav\u011brem tak hledejte sp\u00ed\u0161e slo\u017eitou legislativu ne\u017e neochotu bank. Z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru m\u00e1 tak ochr\u00e1nit nejenom samotn\u00e9ho poskytovatele \u00fav\u011bru, ale i dlu\u017en\u00edka. Ten si mnohdy nedok\u00e1\u017ee spojit v\u0161echny souvislosti, kter\u00e9 jsou s tak velk\u00fdm z\u00e1vazkem jako je \u00fav\u011br spjaty. Poj\u010fme se spole\u010dn\u011b pod\u00edvat na n\u011bkolik diskvalifika\u010dn\u00edch faktor\u016f, kter\u00e9 jsou \u010dasto p\u0159\u00ed\u010dinou zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br. Pracovn\u00ed smlouvaAby bylo mo\u017en\u00e9 \u00fav\u011br \u0159\u00e1dn\u011b spl\u00e1cet, je zapot\u0159eb\u00ed pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem. Ten by m\u011bl poch\u00e1zet ze zam\u011bstn\u00e1n\u00ed, samostatn\u011b v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti, podnik\u00e1n\u00ed, n\u011bkter\u00e9 banky akceptuj\u00ed i p\u0159\u00edjem z pron\u00e1jmu nemovitosti. Pracovn\u00ed smlouva by m\u011bla b\u00fdt na dobu neur\u010ditou, kter\u00e1 je pro banku nejv\u011bt\u0161\u00ed z\u00e1rukou. Naopak v\u00fdpov\u011bdn\u00ed nebo zku\u0161ebn\u00ed lh\u016fta p\u0159edstavuj\u00ed pro poskytovatele \u00fav\u011bru p\u0159\u00edli\u0161 velk\u00e9 riziko. Mnoho nebankovn\u00edch spole\u010dnost\u00ed ale na v\u00fd\u0161i p\u0159\u00edjm\u016f v\u016fbec nepohl\u00ed\u017e\u00ed, ba naopak. Spot\u0159ebitelsk\u00e9 \u00fav\u011bry nebo hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f p\u0159edstavuj\u00ed jednoduch\u00fd zp\u016fsob, jak nakonec na t\u00ed\u017een\u00e9 finan\u010dn\u00ed prost\u0159edky p\u0159eci jenom dos\u00e1hnout.                                                                                                                                                                                                                                                                                                                                                                                           3.7\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy m\u016f\u017ee banka \u017e\u00e1dost o \u00fav\u011br zam\u00edtnout?","item":"https:\/\/www.laglas.cz\/kdy-muze-banka-zadost-o-uver-zamitnout\/#breadcrumbitem"}]}]