[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zemzah.cz\/kdyz-banka-nepujci\/#Article","mainEntityOfPage":"https:\/\/www.zemzah.cz\/kdyz-banka-nepujci\/","headline":"Kdy\u017e banka nep\u016fj\u010d\u00ed?","name":"Kdy\u017e banka nep\u016fj\u010d\u00ed?","description":"V sou\u010dasn\u00e9 dob\u011b je na trhu p\u0159ebytek likvidity a banky se doslova p\u0159etahuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta. Nen\u00ed tak \u017e\u00e1dn\u00fdm p\u0159ekvapen\u00edm, \u017ee banky neust\u00e1le sv\u00e9…","datePublished":"2021-03-16","dateModified":"2021-03-16","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\/sjedn%C3%A1n%C3%AD%20hypot%C3%A9ky_9.jpg","url":"https:\/\/www.zemzah.cz\/wp-content\/uploads\/sjedn%C3%A1n%C3%AD%20hypot%C3%A9ky_9.jpg","height":0,"width":0},"url":"https:\/\/www.zemzah.cz\/kdyz-banka-nepujci\/","about":["Internet"],"wordCount":413,"articleBody":"   V sou\u010dasn\u00e9 dob\u011b je na trhu p\u0159ebytek likvidity a banky se doslova p\u0159etahuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta. Nen\u00ed tak \u017e\u00e1dn\u00fdm p\u0159ekvapen\u00edm, \u017ee banky neust\u00e1le sv\u00e9 slu\u017eby zlep\u0161uj\u00ed a sna\u017e\u00ed se zv\u00edt\u011bzit nad konkurenc\u00ed. P\u0159esto v\u0161ak na \u00fav\u011br nedos\u00e1hne ka\u017ed\u00fd, jak je to tedy mo\u017en\u00e9? Za v\u0161\u00edm je zapot\u0159eb\u00ed hledat slo\u017eitou legislativu \u010cNB, kter\u00e1 ur\u010duje podm\u00ednky pro jednotliv\u00e9 \u00fav\u011brov\u00e9 produkty. Za zam\u00edtnut\u00fdmi \u017e\u00e1dostmi tak nestoj\u00ed neochota bank, ale p\u0159\u00edsn\u00e1 legislativa. Banka m\u016f\u017ee zam\u00edtnout \u017e\u00e1dost o \u00fav\u011br z cel\u00e9 \u0159ady p\u0159\u00ed\u010din. Diskvalifika\u010dn\u00edm faktorem m\u016f\u017ee b\u00fdt nedostate\u010dn\u00fd p\u0159\u00edjem, pracovn\u00ed smlouva, n\u00edzk\u00fd v\u011bk nebo t\u0159eba negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f. Pracovn\u00ed smlouvaJe v celku pochopiteln\u00e9, \u017ee banka vy\u017eaduje po jejich klientech a \u017eadatel\u00edch o \u00fav\u011br pravideln\u00ed m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem, kter\u00fd je do jist\u00e9 m\u00edry z\u00e1rukou, \u017ee m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky budou spl\u00e1ceny v\u010das a v pln\u00e9 v\u00fd\u0161i. Pokud \u017eadatel disponuje pouze pracovn\u00ed smlouvou na dobu ur\u010ditou, \u017e\u00e1dost o \u00fav\u011br mu p\u0159esto m\u016f\u017ee b\u00fdt schv\u00e1lena, ov\u0161em za podm\u00ednky, \u017ee doba splatnosti nep\u0159es\u00e1hne dobu ukon\u010den\u00ed pracovn\u00ed smlouvy. V p\u0159\u00edpad\u011b, kdy se \u017eadatel nach\u00e1z\u00ed ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b, na jak\u00fdkoliv \u00fav\u011brov\u00fd produkt od bankovn\u00ed spole\u010dnosti nem\u00e1 n\u00e1rok. V prvn\u00edm p\u0159\u00edpad\u011b je re\u00e1ln\u00e1 mo\u017enost, \u017ee \u017eadatel p\u0159ijde o pr\u00e1ci a v druh\u00e9m p\u0159\u00edpad\u011b je pot\u0159eba po\u010d\u00edtat v potencion\u00e1ln\u00edm nov\u00e9m zam\u011bstn\u00e1n\u00ed s t\u0159\u00edm\u011bs\u00ed\u010dn\u00ed zku\u0161ebn\u00ed lh\u016ftou.Z\u00e1znamy v registrech dlu\u017en\u00edk\u016fNa\u0161e platebn\u00ed mor\u00e1lka je pravideln\u011b zaznamen\u00e1v\u00e1na hned v n\u011bkolika registrech dlu\u017en\u00edk\u016f. To znamen\u00e1 jedin\u00e9, p\u0159i \u017e\u00e1dosti o \u00fav\u011br maj\u00ed bankovn\u00ed i nebankovn\u00ed subjekty p\u0159\u00edstup ke v\u0161em na\u0161im informac\u00edm ohledn\u011b spl\u00e1cen\u00ed z\u00e1vazk\u016f. V\u011bt\u0161ina bank bere v potaz z\u00e1znamy z p\u0159ede\u0161l\u00fdch 5 let. Negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f je pro banky jasn\u00fd ukazatel nespolehlivosti \u017eadatele a tedy d\u016fvod k zam\u00edtnut\u00ed \u00fav\u011bru. Nebankovn\u00ed hypot\u00e9ky a spot\u0159ebitelsk\u00e9 \u00fav\u011bry jsou v\u0161ak pro \u017eadatele daleko benevolentn\u011bj\u0161\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy\u017e banka nep\u016fj\u010d\u00ed?","item":"https:\/\/www.zemzah.cz\/kdyz-banka-nepujci\/#breadcrumbitem"}]}]