[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pppvy.cz\/zamitnuta-zadost-o-uver-stat-se-to-muze-i-vam\/#Article","mainEntityOfPage":"https:\/\/www.pppvy.cz\/zamitnuta-zadost-o-uver-stat-se-to-muze-i-vam\/","headline":"Zam\u00edtnut\u00e1 \u017e\u00e1dost o \u00fav\u011br? St\u00e1t se to m\u016f\u017ee i v\u00e1m!","name":"Zam\u00edtnut\u00e1 \u017e\u00e1dost o \u00fav\u011br? St\u00e1t se to m\u016f\u017ee i v\u00e1m!","description":"T\u00e9m\u011b\u0159 ka\u017ed\u00fd z n\u00e1s se alespo\u0148 jednou v \u017eivot\u011b ocitne v situaci, kdy nen\u00ed schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm. \u0158e\u010d je samoz\u0159ejm\u011b o t\u011bch pen\u011b\u017en\u00edch. Pokud pen\u00edze na \u00fa\u010dtu chyb\u00ed a neschov\u00e1vaj\u00ed se ani pod matrac\u00ed, je jedin\u00fdm mo\u017en\u00fdm \u0159e\u0161en\u00edm \u00fav\u011br. Ten dok\u00e1\u017ee p\u0159eklenout nelehk\u00e9 obdob\u00ed, zabezpe\u010dit n\u00e1s i na\u0161\u00ed rodinu a dop\u0159\u00e1t n\u00e1m alespo\u0148 trochu […]","datePublished":"2020-11-17","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.pppvy.cz\/author\/#Person","name":"","url":"https:\/\/www.pppvy.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/bbaa4e9a58aac4329fe0ade0f3fb816f09f0dc43c21f6e884dccfbc124b16b29?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bbaa4e9a58aac4329fe0ade0f3fb816f09f0dc43c21f6e884dccfbc124b16b29?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pppvy.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pppvy.cz\/wp-content\/uploads\/r%C5%AF%C5%BEov%C3%A9%20pras%C3%A1tko_3.jpg","url":"https:\/\/www.pppvy.cz\/wp-content\/uploads\/r%C5%AF%C5%BEov%C3%A9%20pras%C3%A1tko_3.jpg","height":0,"width":0},"url":"https:\/\/www.pppvy.cz\/zamitnuta-zadost-o-uver-stat-se-to-muze-i-vam\/","about":["Pen\u00edze"],"wordCount":434,"articleBody":"   T\u00e9m\u011b\u0159 ka\u017ed\u00fd z n\u00e1s se alespo\u0148 jednou v \u017eivot\u011b ocitne v situaci, kdy nen\u00ed schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm. \u0158e\u010d je samoz\u0159ejm\u011b o t\u011bch pen\u011b\u017en\u00edch. Pokud pen\u00edze na \u00fa\u010dtu chyb\u00ed a neschov\u00e1vaj\u00ed se ani pod matrac\u00ed, je jedin\u00fdm mo\u017en\u00fdm \u0159e\u0161en\u00edm \u00fav\u011br. Ten dok\u00e1\u017ee p\u0159eklenout nelehk\u00e9 obdob\u00ed, zabezpe\u010dit n\u00e1s i na\u0161\u00ed rodinu a dop\u0159\u00e1t n\u00e1m alespo\u0148 trochu klidnou mysl. Jen\u017ee ne v\u017edy je banka ke sv\u00fdm \u017eadatel\u016fm tak \u0161t\u011bdr\u00e1. Spot\u0159ebitelsk\u00fdm i stavebn\u00edch \u00fav\u011br\u016f je dnes opravdu nespo\u010det a vybere si tak opravdu ka\u017ed\u00fd, ale stejn\u011b tak si vyb\u00edr\u00e1 i banka. V p\u0159\u00edpad\u011b, kdy spl\u0148ujete v\u0161echny p\u0159edepsan\u00e9 podm\u00ednky, \u017e\u00e1dost je schv\u00e1len\u00e1 b\u011bhem n\u011bkolika dn\u00ed. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed odejde z banky s nepo\u0159\u00edzenou. Jak\u00e9 jsou tedy nej\u010dast\u011bj\u0161\u00ed d\u016fvody pro zam\u00edtnut\u00ed p\u016fj\u010dky? A existuje v\u016fbec n\u011bjak\u00e9 \u0159e\u0161en\u00ed, kdy\u017e banka odm\u00edtne pomoci? Z jak\u00e9ho d\u016fvodu n\u00e1m byla \u017e\u00e1dost o \u00fav\u011br zam\u00edtnuta?Ka\u017ed\u00e1 \u017e\u00e1dost o \u00fav\u011br se posuzuje u velk\u00fdm bank individu\u00e1ln\u011b. Cel\u00fd pr\u016fb\u011bh schvalov\u00e1n\u00ed \u017e\u00e1dosti je ale nem\u011bnn\u00fd a u spousty bank velmi podobn\u00fd. V\u0161e za\u010d\u00edn\u00e1 prov\u011b\u0159en\u00edm bonity klienta. Co to vlastn\u011b je? Bonita klienta dok\u00e1\u017ee bank\u00e1m p\u0159esn\u011b ur\u010dit, jak\u00e1 je schopnost dan\u00e9ho klienta dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, kter\u00e9 by p\u0159\u00edpadn\u00fdm podeps\u00e1n\u00edm smlouvy o \u00fav\u011bru k bance m\u011bl. Je tak kl\u00ed\u010dov\u00fdm faktorem pro rozhodov\u00e1n\u00ed. P\u0159\u00edli\u0161 n\u00edzk\u00e1 bonita tak m\u016f\u017ee ve v\u00fdsledku v\u00e9st a\u017e k \u017e\u00e1dosti o zam\u00edtnut\u00ed \u00fav\u011bru. Bonitu klienta ovliv\u0148uje cel\u00e1 \u0159ada krit\u00e9ri\u00ed:Dosa\u017een\u00e9 vzd\u011bl\u00e1n\u00ed a profeseV\u011bk a pohlav\u00edRodinn\u00fd stav, p\u0159\u00edpadn\u011b po\u010det d\u011bt\u00ed\u00dav\u011brov\u00e1 historie a platebn\u00ed mor\u00e1lkaM\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy a v\u00fddaje dom\u00e1cnostiPokud v\u0161ak banka nakonec \u017e\u00e1dost o \u00fav\u011br zam\u00edtne, je\u0161t\u011b nen\u00ed nic ztraceno. Bankovn\u00edmu sektoru toti\u017e konkuruje ten nebankovn\u00ed. Nebankovn\u00ed spole\u010dnosti mnohdy \u010dekaj\u00ed s otev\u0159enou n\u00e1ru\u010d\u00ed pr\u00e1v\u011b na takov\u00e9 \u017eadatele, kter\u00fdm banka z jak\u00e9hokoliv d\u016fvodu \u00fav\u011br neschv\u00e1lila. V jejich nab\u00eddce p\u0159itom nejsou jenom rychl\u00e9 p\u016fj\u010dky, ale za pozornost stoj\u00ed nap\u0159. nebankovn\u00ed americk\u00e1 hypot\u00e9ka.                                                                                                                                                                                                                                                                                                                                                                                           4.6\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Zam\u00edtnut\u00e1 \u017e\u00e1dost o \u00fav\u011br? St\u00e1t se to m\u016f\u017ee i v\u00e1m!","item":"https:\/\/www.pppvy.cz\/zamitnuta-zadost-o-uver-stat-se-to-muze-i-vam\/#breadcrumbitem"}]}]