[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.koora.cz\/v-jakych-pripadech-banka-muze-zamitnout-zadost-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.koora.cz\/v-jakych-pripadech-banka-muze-zamitnout-zadost-o-uver\/","headline":"V jak\u00fdch p\u0159\u00edpadech banka m\u016f\u017ee zam\u00edtnout \u017e\u00e1dost o \u00fav\u011br?","name":"V jak\u00fdch p\u0159\u00edpadech banka m\u016f\u017ee zam\u00edtnout \u017e\u00e1dost o \u00fav\u011br?","description":"Odpov\u011bd\u011bt na takovou ot\u00e1zku m\u016f\u017ee b\u00fdt velmi n\u00e1ro\u010dn\u00e9. Zjednodu\u0161en\u011b je mo\u017en\u00e9 \u0159\u00edci, \u017ee v jak\u00e9mkoliv p\u0159\u00edpad\u011b uzn\u00e1 za vhodn\u00e9. Bankovn\u00ed instituce nejsou povinni \u017eadateli p\u016fj\u010dovat, na druhou stranu pr\u00e1v\u011b z \u00fav\u011brov\u00fdch produkt\u016f maj\u00ed nejv\u011bt\u0161\u00ed zisk. Proti nim ov\u0161em stoj\u00ed slo\u017eit\u00e1 legislativa, kter\u00e1 jim d\u00e1v\u00e1 za povinnost d\u016fkladnou lustraci ka\u017ed\u00e9ho nov\u00e9 \u017eadatele o \u00fav\u011br. V p\u0159\u00edpad\u011b, kdy by tak neu\u010dinily, mohlo by to pro n\u011b m\u00edt nedoz\u00edrn\u00e9 n\u00e1sledky. Poj\u010fme se ale spole\u010dn\u011b pod\u00edvat na n\u011bkolik nepr\u016fst\u0159eln\u00fdch d\u016fvod\u016f, p\u0159i kter\u00fdch v\u017edy bankovn\u00ed instituce dojdou ke stejn\u00e9mu v\u00fdsledku \u2013 zam\u00edtnut\u00ed. \u017dadatel\u00e9 s nedostate\u010dnou bonitou Bankovn\u00ed bonitu ovliv\u0148uje cel\u00e1 \u0159ada faktor\u016f. Ve zkratce jde Read More<\/a>","datePublished":"2022-02-10","dateModified":"2022-02-10","author":{"@type":"Person","@id":"https:\/\/www.koora.cz\/author\/#Person","name":"","url":"https:\/\/www.koora.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a414941ff2b86a79f1a70a433f21d60df00047fefe742a46b6fded139881a475?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a414941ff2b86a79f1a70a433f21d60df00047fefe742a46b6fded139881a475?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"koora.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.koora.cz\/wp-content\/uploads\/mortgage-g45150c4ee_640_1.jpg","url":"https:\/\/www.koora.cz\/wp-content\/uploads\/mortgage-g45150c4ee_640_1.jpg","height":0,"width":0},"url":"https:\/\/www.koora.cz\/v-jakych-pripadech-banka-muze-zamitnout-zadost-o-uver\/","about":["Web"],"wordCount":400,"articleBody":" Odpov\u011bd\u011bt na takovou ot\u00e1zku m\u016f\u017ee b\u00fdt velmi n\u00e1ro\u010dn\u00e9. Zjednodu\u0161en\u011b je mo\u017en\u00e9 \u0159\u00edci, \u017ee v jak\u00e9mkoliv p\u0159\u00edpad\u011b uzn\u00e1 za vhodn\u00e9. Bankovn\u00ed instituce nejsou povinni \u017eadateli p\u016fj\u010dovat, na druhou stranu pr\u00e1v\u011b z \u00fav\u011brov\u00fdch produkt\u016f maj\u00ed nejv\u011bt\u0161\u00ed zisk. Proti nim ov\u0161em stoj\u00ed slo\u017eit\u00e1 legislativa, kter\u00e1 jim d\u00e1v\u00e1 za povinnost d\u016fkladnou lustraci ka\u017ed\u00e9ho nov\u00e9 \u017eadatele o \u00fav\u011br. V p\u0159\u00edpad\u011b, kdy by tak neu\u010dinily, mohlo by to pro n\u011b m\u00edt nedoz\u00edrn\u00e9 n\u00e1sledky. Poj\u010fme se ale spole\u010dn\u011b pod\u00edvat na n\u011bkolik nepr\u016fst\u0159eln\u00fdch d\u016fvod\u016f, p\u0159i kter\u00fdch v\u017edy bankovn\u00ed instituce dojdou ke stejn\u00e9mu v\u00fdsledku \u2013 zam\u00edtnut\u00ed. \u017dadatel\u00e9 s nedostate\u010dnou bonitouBankovn\u00ed bonitu ovliv\u0148uje cel\u00e1 \u0159ada faktor\u016f. Ve zkratce jde hlavn\u011b o to, zda dok\u00e1\u017ee \u017eadatel \u00fav\u011br plnohodnotn\u011b spl\u00e1cet. Pohl\u00ed\u017e\u00ed se tedy na v\u00fd\u0161i p\u0159\u00edjm\u016f, dal\u0161\u00ed z\u00e1vazky nebo t\u0159eba zda m\u011bl \u017eadatel n\u011bkdy v minulosti finan\u010dn\u00ed probl\u00e9my. Pokud je bonita \u017eadatele vysok\u00e1, schvalovac\u00ed proces u banky je pouze formalita. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b v\u0161ak m\u016f\u017ee b\u00fdt probl\u00e9m v bance v\u016fbec \u00fav\u011br z\u00edskat. S podobn\u00fdm osudem nejsp\u00ed\u0161e dopadnou \u017eadatel\u00e9 ze skupin s men\u0161\u00edm \u010di \u0161patn\u011b dolo\u017eiteln\u00fdm p\u0159\u00edjmem. Na mysli m\u00e1me nap\u0159\u00edklad studenty, rodi\u010de samo\u017eivitele nebo maminky na mate\u0159sk\u00e9 dovolen\u00e9 \u010di d\u016fchodce. U t\u011bchto skupin lid\u00ed se p\u0159edpokl\u00e1d\u00e1, \u017ee jim jejich p\u0159\u00edjem nebude sta\u010dit na pokryt\u00ed pohled\u00e1vek ze strany banky. V\u011bt\u0161ina z nich je nav\u00edc z\u00e1visl\u00e1 na d\u00e1vk\u00e1ch od st\u00e1tu, kter\u00e9 pro banku nenab\u00edz\u00ed dlouhodobou jistotu p\u0159\u00edjmu. Nedostate\u010dn\u00fd p\u0159\u00edjemP\u0159\u00edjem je hlavn\u00edm aspektem, kter\u00fd banky p\u0159i posuzov\u00e1n\u00ed \u017e\u00e1dosti zaj\u00edm\u00e1. Velk\u00e9 procento lid\u00ed v\u0161ak nen\u00ed schopno sv\u016fj p\u0159\u00edjem dolo\u017eit nebo jeho v\u00fd\u0161ka nesta\u010d\u00ed na schv\u00e1len\u00ed \u00fav\u011bru. I z tohoto d\u016fvodu \u0159ada lid\u00ed m\u00ed\u0159\u00ed do nebankovn\u00edho sektoru, kter\u00fd je v tomto ohledu p\u0159\u00edv\u011btiv\u011bj\u0161\u00ed. Sly\u0161eli jste nap\u0159\u00edklad u\u017e o hypot\u00e9ce bez dolo\u017een\u00ed p\u0159\u00edjmu nebankovni-hypoteky-uvery.cz? Mo\u017en\u00e1 v\u00e1s p\u0159ekvap\u00ed, jak snadn\u00e9 je \u00fav\u011br z\u00edskat! 4.5\/5 - (11 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V jak\u00fdch p\u0159\u00edpadech banka m\u016f\u017ee zam\u00edtnout \u017e\u00e1dost o \u00fav\u011br?","item":"https:\/\/www.koora.cz\/v-jakych-pripadech-banka-muze-zamitnout-zadost-o-uver\/#breadcrumbitem"}]}]