[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zemzah.cz\/jsou-tu-banky-skutecne-pro-nas\/#Article","mainEntityOfPage":"https:\/\/www.zemzah.cz\/jsou-tu-banky-skutecne-pro-nas\/","headline":"Jsou tu banky skute\u010dn\u011b pro n\u00e1s?","name":"Jsou tu banky skute\u010dn\u011b pro n\u00e1s?","description":"V p\u0159\u00edpad\u011b, kdy n\u00e1s tr\u00e1p\u00ed jak\u00fdkoliv finan\u010dn\u00ed probl\u00e9m, na\u0161e prvn\u00ed kroky povedou s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed do banky. Jen\u017ee ne v\u017edy je k n\u00e1m bankovn\u00ed sektor…","datePublished":"2020-08-11","dateModified":"2023-06-14","author":{"@type":"Person","@id":"https:\/\/www.zemzah.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zemzah.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e0a4ee3123bc6cda06472cb29cefd2abfa18c894e6c63b3d8bc84df8da10f637?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e0a4ee3123bc6cda06472cb29cefd2abfa18c894e6c63b3d8bc84df8da10f637?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zemzah.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zemzah.cz\/wp-content\/uploads\/uzav%C5%99en%C3%AD%20hypoten%C4%8Dn%C3%ADho%20%C3%BAv%C4%9Bru.jpg","url":"https:\/\/www.zemzah.cz\/wp-content\/uploads\/uzav%C5%99en%C3%AD%20hypoten%C4%8Dn%C3%ADho%20%C3%BAv%C4%9Bru.jpg","height":0,"width":0},"url":"https:\/\/www.zemzah.cz\/jsou-tu-banky-skutecne-pro-nas\/","about":["Finance"],"wordCount":413,"articleBody":"      V p\u0159\u00edpad\u011b, kdy n\u00e1s tr\u00e1p\u00ed jak\u00fdkoliv finan\u010dn\u00ed probl\u00e9m, na\u0161e prvn\u00ed kroky povedou s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed do banky. Jen\u017ee ne v\u017edy je k n\u00e1m bankovn\u00ed sektor tak pohostinn\u00fd a nab\u00eddne \u00fav\u011br takov\u00fd, jak\u00fd si p\u0159edstavujeme. Mnohdy odejdeme s nepo\u0159\u00edzenou, nebo\u0165 p\u0159\u00edsn\u011b nastaven\u00e9 tabulky bankovn\u00edch spole\u010dnost\u00ed nab\u00eddnou \u00fav\u011br jen t\u011bm nejspolehliv\u011bj\u0161\u00edm \u017eadatel\u016fm, u kter\u00fdch maj\u00ed jistotu, \u017ee se jim nakonec jejich pen\u00edze vr\u00e1t\u00ed zp\u011bt. Nen\u00ed se \u010demu divit, ov\u0161em n\u011bkter\u00fdm \u017eadatel\u016fm je jejich \u017e\u00e1dost zam\u00edtnuta z ban\u00e1ln\u00edch d\u016fvod\u016f. Sta\u010d\u00ed toti\u017e pozd\u011b zaplacen\u00e1, i by\u0165 jedna spl\u00e1tka bance \u010di opomenut\u00e1 faktura u mobiln\u00edho oper\u00e1tora a va\u0161e jm\u00e9no vis\u00ed na \u010dern\u00e9 listin\u011b v registru dlu\u017en\u00edku. V tu r\u00e1no jste pro banku rizikov\u00fd \u017eadatel a s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed v\u00e1m \u00fav\u011br zam\u00edtne. Nikdo se u\u017e nezaob\u00edr\u00e1 t\u00edm, zda je va\u0161e jm\u00e9no v registru dlu\u017en\u00edk\u016f za opakovanou \u0161patnou platebn\u00ed mor\u00e1lku \u010di za jednu pozd\u011b splacenou fakturu. Banky jsou v zadlu\u017eov\u00e1n\u00ed sv\u00fdch klient\u016f nekompromisn\u00ed a nen\u00ed se tak \u010demu divit, \u017ee ne ka\u017ed\u00fd nakonec s vytou\u017een\u00fdm obnosem pen\u011bz dom\u016f odejde. Je to a\u017e s podivem, kolik r\u016fzn\u00fdch faktor\u016f ovliv\u0148uje, zda \u00fav\u011br z\u00edsk\u00e1te \u010di nikoliv. P\u0159eci jenom existuje n\u011bkolik tabulkov\u00fdch skupin \u017eadatel\u016f, kter\u00fdm banka zam\u00edtne jejich \u017e\u00e1dost hned v z\u00e1rodku. V\u00edte, kter\u00e9 to jsou? \u017dadatel nem\u016f\u017ee nebo nechce dolo\u017eit sv\u00e9 pravideln\u00e9 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmyJe to jasn\u00e9, pokud bance nem\u016f\u017eete nebo nechcete dolo\u017eit svoj\u00ed pravidelnou v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f, banka s v\u00e1mi nebude ztr\u00e1cet \u010das. Rychl\u00e1 p\u016fj\u010dka nebo nebankovn\u00ed hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjm\u016f nen\u00ed sice na \u010desk\u00e9m finan\u010dn\u00edm trhu nic nov\u00e9ho, ale takov\u00e9 produkty hledejte sp\u00ed\u0161e u nebankovn\u00edch spole\u010dnost\u00ed. U bank byste tento druh produktu hledali zat\u00edm jen st\u011b\u017e\u00ed a rozhodn\u011b se to v n\u00e1sleduj\u00edc\u00edch n\u011bkolika letech nezm\u011bn\u00ed. Negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f snadno zhat\u00ed \u017e\u00e1dost o \u00fav\u011brM\u00e1te, i by\u0165 jen nepatrn\u00fd negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f? S \u00fav\u011brem se m\u016f\u017eete rovnou rozlou\u010dit.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jsou tu banky skute\u010dn\u011b pro n\u00e1s?","item":"https:\/\/www.zemzah.cz\/jsou-tu-banky-skutecne-pro-nas\/#breadcrumbitem"}]}]