[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ionaqua.cz\/duvody-ktere-vedou-banku-k-zamitnuti-uveru\/#Article","mainEntityOfPage":"https:\/\/www.ionaqua.cz\/duvody-ktere-vedou-banku-k-zamitnuti-uveru\/","headline":"D\u016fvody, kter\u00e9 vedou banku k zam\u00edtnut\u00ed \u00fav\u011bru","name":"D\u016fvody, kter\u00e9 vedou banku k zam\u00edtnut\u00ed \u00fav\u011bru","description":"Ceny nemovitost\u00ed neust\u00e1le rostou, po\u0159\u00eddit si ve v\u011bt\u0161\u00edch m\u011bstech nemovitost je dnes pro st\u0159edn\u00ed pracuj\u00edc\u00ed t\u0159\u00eddu t\u00e9m\u011b\u0159 nemo\u017en\u00e9. Mnohdy se […]","datePublished":"2021-08-20","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.ionaqua.cz\/author\/#Person","name":"","url":"https:\/\/www.ionaqua.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/430c037ced90dcf4c538a5d7a160d8585497a2f79eed537d1a43f74320df11c6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/430c037ced90dcf4c538a5d7a160d8585497a2f79eed537d1a43f74320df11c6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ionaqua.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ionaqua.cz\/wp-content\/uploads\/stisk%20ruky_9.jpg","url":"https:\/\/www.ionaqua.cz\/wp-content\/uploads\/stisk%20ruky_9.jpg","height":0,"width":0},"url":"https:\/\/www.ionaqua.cz\/duvody-ktere-vedou-banku-k-zamitnuti-uveru\/","about":["Pen\u00edze"],"wordCount":401,"articleBody":"      Ceny nemovitost\u00ed neust\u00e1le rostou, po\u0159\u00eddit si ve v\u011bt\u0161\u00edch m\u011bstech nemovitost je dnes pro st\u0159edn\u00ed pracuj\u00edc\u00ed t\u0159\u00eddu t\u00e9m\u011b\u0159 nemo\u017en\u00e9. Mnohdy se proto uchyluj\u00ed k jedin\u00e9mu mo\u017en\u00e9mu \u0159e\u0161en\u00ed \u2013 hypot\u00e9ce. Hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed s sebou ov\u0161em p\u0159en\u00e1\u0161\u00ed z\u00e1vazek, kter\u00fd je pro mnoho takov\u00fdch lid\u00ed sjedn\u00e1n na 20 i v\u00edce let. Jak\u00e9 jsou nej\u010dast\u011bj\u0161\u00ed d\u016fvody, kter\u00e9 vedou banky k zam\u00edtnut\u00ed \u017e\u00e1dosti o hypote\u010dn\u00ed \u00fav\u011br? Pracovn\u00ed smlouvaHypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed nep\u0159edstavuje pro banku a\u017e tak velk\u00e9 riziko, nebo\u0165 je sv\u00e1z\u00e1n se z\u00e1stavou nemovitosti. V p\u0159\u00edpad\u011b, kdy dlu\u017en\u00edk nebude schopen plnohodnotn\u011b spl\u00e1cet, m\u016f\u017ee doj\u00edt k prodeji nemovitosti za zlomovou hodnotu. Jednodu\u0161e se pov\u011bt\u0161inou nemovitost pod\u00e1 pod cenou, aby banka z\u00edskala dlu\u017enou \u010d\u00e1stku zp\u011bt. P\u0159i posuzov\u00e1n\u00ed \u017e\u00e1dosti je velmi d\u016fle\u017eit\u00fd pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem, kter\u00fd je zapot\u0159eb\u00ed dolo\u017eit za pomoci pracovn\u00ed smlouvy na dobu neur\u010ditou. \u017dadatel samoz\u0159ejm\u011b m\u016f\u017ee usp\u011bt i v p\u0159\u00edpad\u011b, kdy je jeho pracovn\u00ed pom\u011br sjedn\u00e1n jen na dobu ur\u010ditou. P\u0159i\u010dem\u017e \u00fav\u011br mus\u00ed b\u00fdt zcela splacen je\u0161t\u011b p\u0159ed dovr\u0161en\u00edm pracovn\u00edho pom\u011bru. Pokud \u017eadatel \u017e\u00e1d\u00e1 v situaci, kdy se nach\u00e1z\u00ed ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b, v bank\u00e1ch v\u011bt\u0161inou nem\u00e1 \u0161anci usp\u011bt. Nebankovn\u00ed spole\u010dnosti jsou v\u0161ak v tomto ohledu o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed a sv\u00fdm \u017eadatel\u016fm nab\u00edz\u00ed t\u0159eba i hypot\u00e9ku bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f. Registr dlu\u017en\u00edk\u016f A pak tu m\u00e1me registry dlu\u017en\u00edk\u016f, kter\u00fdch je u n\u00e1s hned n\u011bkolik. Jsou tu pravideln\u011b zaznamen\u00e1v\u00e1ny proh\u0159e\u0161ky a prodlevy p\u0159i spl\u00e1cen\u00ed. Pokud se u \u017eadatele objev\u00ed negativn\u00ed z\u00e1znam v n\u011bkter\u00e9m s registr\u016f, je velk\u00e1 pravd\u011bpodobnost, \u017ee p\u0159i \u017e\u00e1dosti nakonec neusp\u011bje. Do registru se krom platebn\u00ed mor\u00e1lky zaznamen\u00e1vaj\u00ed i ne\u00fasp\u011b\u0161n\u00e9 \u017e\u00e1dosti o \u00fav\u011brov\u00e9 produkty, kter\u00e9 jsou pro bankovn\u00ed i nebankovn\u00ed spole\u010dnosti voln\u011b k nahl\u00e9dnut\u00ed. Pokud tedy neusp\u011bjete s \u017e\u00e1dost\u00ed v jedn\u00e9 bance, v dal\u0161\u00ed v\u00e1s \u010dek\u00e1 nejsp\u00ed\u0161 podobn\u00fd osud.                                                                                                                                                                                                                                                                                                                                                                                           4.5\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"D\u016fvody, kter\u00e9 vedou banku k zam\u00edtnut\u00ed \u00fav\u011bru","item":"https:\/\/www.ionaqua.cz\/duvody-ktere-vedou-banku-k-zamitnuti-uveru\/#breadcrumbitem"}]}]