[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dorest.cz\/podminky-ktere-je-zapotrebi-splnit-pro-schvaleni-uveru\/#Article","mainEntityOfPage":"https:\/\/www.dorest.cz\/podminky-ktere-je-zapotrebi-splnit-pro-schvaleni-uveru\/","headline":"Podm\u00ednky, kter\u00e9 je zapot\u0159eb\u00ed splnit pro schv\u00e1len\u00ed \u00fav\u011bru","name":"Podm\u00ednky, kter\u00e9 je zapot\u0159eb\u00ed splnit pro schv\u00e1len\u00ed \u00fav\u011bru","description":"S n\u011bkter\u00fdm z \u00fav\u011brov\u00fdch produkt\u016f m\u00e1 co do\u010din\u011bn\u00ed ka\u017ed\u00fd druh\u00fd \u010cech. V sou\u010dasn\u00e9 dob\u011b je na trhu p\u0159ebytek likvidity a banky mus\u00ed bojovat doslova o ka\u017ed\u00e9ho nov\u00e9ho \u017eadatele. Proti nim ale stoj\u00ed slo\u017eit\u00e1 legislativa, kter\u00e1 jim d\u00e1v\u00e1 za povinnost d\u016fkladnou lustraci ka\u017ed\u00e9ho \u017eadatele. P\u0159ib\u00fdv\u00e1 proto i zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. Zkr\u00e1tka banky, i kdyby cht\u011bly p\u016fj\u010dovat, tak…","datePublished":"2021-08-29","dateModified":"2023-06-01","author":{"@type":"Person","@id":"https:\/\/www.dorest.cz\/author\/#Person","name":"","url":"https:\/\/www.dorest.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4e1219daed488a40aaae5f3a36d7a332441b6e7a97d465811f6633d3359f64e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4e1219daed488a40aaae5f3a36d7a332441b6e7a97d465811f6633d3359f64e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dorest.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dorest.cz\/wp-content\/uploads\/po%C4%8D%C3%ADt%C3%A1n%C3%AD%20financ%C3%AD_10_5.jpg","url":"https:\/\/www.dorest.cz\/wp-content\/uploads\/po%C4%8D%C3%ADt%C3%A1n%C3%AD%20financ%C3%AD_10_5.jpg","height":0,"width":0},"url":"https:\/\/www.dorest.cz\/podminky-ktere-je-zapotrebi-splnit-pro-schvaleni-uveru\/","about":["Finance"],"wordCount":399,"articleBody":"      S n\u011bkter\u00fdm z \u00fav\u011brov\u00fdch produkt\u016f m\u00e1 co do\u010din\u011bn\u00ed ka\u017ed\u00fd druh\u00fd \u010cech. V sou\u010dasn\u00e9 dob\u011b je na trhu p\u0159ebytek likvidity a banky mus\u00ed bojovat doslova o ka\u017ed\u00e9ho nov\u00e9ho \u017eadatele. Proti nim ale stoj\u00ed slo\u017eit\u00e1 legislativa, kter\u00e1 jim d\u00e1v\u00e1 za povinnost d\u016fkladnou lustraci ka\u017ed\u00e9ho \u017eadatele. P\u0159ib\u00fdv\u00e1 proto i zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. Zkr\u00e1tka banky, i kdyby cht\u011bly p\u016fj\u010dovat, tak nemohou. V p\u0159\u00edpad\u011b, kdy by \u017eadatele p\u0159ed schv\u00e1len\u00edm dostate\u010dn\u011b neprov\u011b\u0159ily, mohla by b\u00fdt pozd\u011bji cel\u00e1 smlouva napadnuteln\u00e1 pro jej\u00ed neplatnost. \u017dadatel by nad\u00e1le spl\u00e1cel dlu\u017enou \u010d\u00e1stku dle sv\u00fdch finan\u010dn\u00edch mo\u017enost\u00ed bez \u00farokov\u00e9 sazby. Jak\u00e9 z\u00e1konem dan\u00e9 podm\u00ednky je tedy zapot\u0159eb\u00ed splnit, abyste m\u011bli co mo\u017en\u00e1 nejv\u011bt\u0161\u00ed pravd\u011bpodobnost na schv\u00e1len\u00ed \u00fav\u011bru. Pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjemPravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem je jeden z kl\u00ed\u010dov\u00fdch faktor\u016f, kter\u00fd je zapot\u0159eb\u00ed splnit p\u0159i \u017e\u00e1dosti o jak\u00fdkoliv \u00fav\u011brov\u00fd produkt. Banka po v\u00e1s bude s nev\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed vy\u017eadovat dolo\u017een\u00ed p\u0159\u00edjm\u016f za pomoci pracovn\u00ed smlouvy na dobu neur\u010ditou. I \u017eadatel\u00e9, kter\u00e9 disponuj\u00ed pracovn\u00ed smlouvou na dobu ur\u010ditou, mohou nakonec usp\u011bt. Je v\u0161ak zapot\u0159eb\u00ed, aby byl \u00fav\u011br zcela placen je\u0161t\u011b p\u0159ed vypr\u0161en\u00edm pracovn\u00ed smlouvy. \u017dadatel\u00e9, kte\u0159\u00ed jsou ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b na \u00fav\u011br s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed nedos\u00e1hnou. Z\u00e1znam v registru dlu\u017en\u00edk\u016fKrom pravideln\u00e9ho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu, banky kontroluj\u00ed i negativn\u00ed z\u00e1znamy v registrech dlu\u017en\u00edk\u016f. V sou\u010dasn\u00e9 dob\u011b jih m\u00e1me v \u010cesk\u00e9 republice pro fyzick\u00e9 osoby celkem t\u0159i (BRKI, KRKI, SOLUS). V p\u0159\u00edpad\u011b, kdy se \u017eadatel pot\u00fdkal v minulosti s neschopnost\u00ed spl\u00e1cet, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed se bude nach\u00e1zet v n\u011bkter\u00e9m z registr\u016f dlu\u017en\u00edk\u016f. Mnoho takov\u00fdch \u017eadatel\u016f nakonec odch\u00e1z\u00ed z banky s nepo\u0159\u00edzenou. I z tohoto d\u016fvodu jsou tu nebankovn\u00ed spole\u010dnost\u00ed, kter\u00e9 nab\u00edz\u00ed nap\u0159\u00edklad hypot\u00e9ku na bydlen\u00ed Fahd i rizikov\u00fdm \u017eadatel\u016fm. Pokud tedy v bance s \u017e\u00e1dost\u00ed neusp\u011bjete, je\u0161t\u011b nen\u00ed pot\u0159eba propadat panice.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Podm\u00ednky, kter\u00e9 je zapot\u0159eb\u00ed splnit pro schv\u00e1len\u00ed \u00fav\u011bru","item":"https:\/\/www.dorest.cz\/podminky-ktere-je-zapotrebi-splnit-pro-schvaleni-uveru\/#breadcrumbitem"}]}]