[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.prolek.cz\/jak-tezke-ji-ziskat-uver-v-bance\/#Article","mainEntityOfPage":"https:\/\/www.prolek.cz\/jak-tezke-ji-ziskat-uver-v-bance\/","headline":"Jak t\u011b\u017ek\u00e9 j\u00ed z\u00edskat \u00fav\u011br v bance?","name":"Jak t\u011b\u017ek\u00e9 j\u00ed z\u00edskat \u00fav\u011br v bance?","description":"V dne\u0161n\u00ed dob\u011b je na trhu p\u0159ebytek likvidy a banky se neust\u00e1le mezi sebou p\u0159edh\u00e1n\u011bj\u00ed, kdo p\u0159ijde s lep\u0161\u00ed nab\u00eddkou \u00fav\u011brov\u00fdch produkt\u016f. P\u0159esto na \u00fav\u011br jako takov\u00fd nedos\u00e1hne ka\u017ed\u00fd. Roli hraje cel\u00e1 \u0159ada norem a vnit\u0159n\u00edch p\u0159edpis\u016f bank, ale i novela z\u00e1kona o spot\u0159ebitelsk\u00e9m z\u00e1konu z roku 2016. Je tedy vcelku jasn\u00e9, \u017ee vy\u0159\u00edzen\u00ed \u00fav\u011bru […]","datePublished":"2021-01-18","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.prolek.cz\/author\/#Person","name":"","url":"https:\/\/www.prolek.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/15c4177f6d86975c976af12ba80b10af7add2f97f8786f8cf1596253472c0ea7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/15c4177f6d86975c976af12ba80b10af7add2f97f8786f8cf1596253472c0ea7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"prolek.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.prolek.cz\/wp-content\/uploads\/sjedn%C3%A1n%C3%AD%20hypot%C3%A9ky_3.jpg","url":"https:\/\/www.prolek.cz\/wp-content\/uploads\/sjedn%C3%A1n%C3%AD%20hypot%C3%A9ky_3.jpg","height":0,"width":0},"url":"https:\/\/www.prolek.cz\/jak-tezke-ji-ziskat-uver-v-bance\/","about":["Ekonomika"],"wordCount":421,"articleBody":"      V dne\u0161n\u00ed dob\u011b je na trhu p\u0159ebytek likvidy a banky se neust\u00e1le mezi sebou p\u0159edh\u00e1n\u011bj\u00ed, kdo p\u0159ijde s lep\u0161\u00ed nab\u00eddkou \u00fav\u011brov\u00fdch produkt\u016f. P\u0159esto na \u00fav\u011br jako takov\u00fd nedos\u00e1hne ka\u017ed\u00fd. Roli hraje cel\u00e1 \u0159ada norem a vnit\u0159n\u00edch p\u0159edpis\u016f bank, ale i novela z\u00e1kona o spot\u0159ebitelsk\u00e9m z\u00e1konu z roku 2016. Je tedy vcelku jasn\u00e9, \u017ee vy\u0159\u00edzen\u00ed \u00fav\u011bru je velice n\u00e1ro\u010dn\u00e9 a i nepatrn\u00ed chyba m\u016f\u017ee v nejhor\u0161\u00edm p\u0159\u00edpad\u011b v\u00e9st a\u017e k jeho zam\u00edtnut\u00ed. Na co si tedy p\u0159i sjedn\u00e1v\u00e1n\u00ed d\u00e1t pozor, jak\u00fd je rozd\u00edl mezi bankovn\u00ed a nebankovn\u00ed spole\u010dnost\u00ed a jak banky posuzuj\u00ed bonitu \u017eadatele?Mo\u017en\u00e1 v\u00e1s to p\u0159ekvap\u00ed, ale s p\u016fj\u010dkou jako takovou m\u00e1 v dne\u0161n\u00ed dob\u011b zku\u0161enost t\u00e9m\u011b\u0159 ka\u017ed\u00fd druh\u00fd \u010cech. Je to vcelku alarmuj\u00edc\u00ed \u00fadaj, ale takov\u00e1 je realita. V dne\u0161n\u00ed nejist\u00e9 dob\u011b se ve finan\u010dn\u00ed t\u00edsni m\u016f\u017ee ocitnout ka\u017ed\u00fd z n\u00e1s a po\u017e\u00e1dat o pomoc je vcelku b\u011b\u017en\u00e9. Z\u00e1le\u017e\u00ed u\u017e pak jen na bance, zda n\u00e1m v takov\u00e9 situaci \u00fav\u011br poskytne. Jen\u017ee v\u0161e nen\u00ed tak r\u016f\u017eov\u00e9, jak by se na prvn\u00ed pohled mohlo zd\u00e1t. Schvalovac\u00ed proces v\u011bt\u0161iny bank je ne\u00faprosn\u00fd, a by\u0165 jedin\u00fd finan\u010dn\u00ed proh\u0159e\u0161ek m\u016f\u017ee ve v\u00fdsledku zhatit \u017e\u00e1dost o \u00fav\u011br. Jak\u00e9 jsou ale nej\u010dast\u011bj\u0161\u00ed d\u016fvody, kter\u00e9 banky k takov\u00e9mu z\u00e1v\u011bru p\u0159im\u011bj\u00ed? N\u00edzk\u00e1 bonita \u017eadateleJsou to pr\u00e1v \u00fav\u011brov\u00e9 produkty, kter\u00e9 do pokladen bank p\u0159inesou ka\u017edoro\u010dn\u011b nejv\u00edce pen\u011bz. Nen\u00ed se tedy \u010demu divit, \u017ee banky bojuj\u00ed doslova o ka\u017ed\u00e9ho nov\u00e9ho klienta. Je\u0161t\u011b p\u0159edt\u00edm, ne\u017e ale bude jeho \u017e\u00e1dost kladn\u011b vy\u0159\u00edzena, je zapot\u0159eb\u00ed d\u016fkladn\u00e9 vyhodnocen\u00ed bonity. Nespln\u011bn\u00ed podm\u00ednekKa\u017ed\u00fd v\u011b\u0159itel si m\u016f\u017ee s\u00e1m nastavit podm\u00ednky \u00fav\u011bru, tedy jen do t\u00e9 m\u00edry, jakou mu umo\u017e\u0148uje \u010cNB. Mezi standartn\u00ed podm\u00ednky pat\u0159\u00ed plnoletost, trval\u00fd pobyt na \u00fazem\u00ed \u010cR, vlastn\u00ed bankovn\u00ed \u00fa\u010det nebo dostate\u010dn\u011b vysok\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem. U n\u011bkter\u00fdch nebankovn\u00edch spole\u010dnost\u00ed jsou samoz\u0159ejm\u011b podm\u00ednky do jist\u00e9 m\u00edry benevolentn\u011bj\u0161\u00ed, nap\u0159\u00edklad v p\u0159\u00edpad\u011b nebankovn\u00ed americk\u00e9 hypot\u00e9ky Nebankovni-hypoteky-uvery.cz nen\u00ed zapot\u0159eb\u00ed dokl\u00e1dat p\u0159\u00edjem.                                                                                                                                                                                                                                                                                                                                                                                                  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