[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zpraku.cz\/podminky-pro-ziskani-uverovych-produktu-pro-rok-2021\/#Article","mainEntityOfPage":"https:\/\/www.zpraku.cz\/podminky-pro-ziskani-uverovych-produktu-pro-rok-2021\/","headline":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011brov\u00fdch produkt\u016f pro rok 2021","name":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011brov\u00fdch produkt\u016f pro rok 2021","description":"Na trhu je v sou\u010dasn\u00e9 dob\u011b p\u0159ebytek likvidity a banky doslova bojuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta. Na druhou stranu ale st\u00e1le p\u0159ib\u00fdv\u00e1 po\u010det zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. Co je p\u0159\u00ed\u010dinou? M\u016f\u017ee za to z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kter\u00fd s ur\u010ditou pravidelnosti aktualizuje \u010cesk\u00e1 n\u00e1rodn\u00ed banka. Posledn\u00ed novely se tento z\u00e1kon do\u010dkal v dubnu 2020 jako reakci na […]","datePublished":"2021-05-28","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.zpraku.cz\/author\/#Person","name":"","url":"https:\/\/www.zpraku.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9cae764794acc12213aa530e21558ed2bd96c03f91e0c3ad21cc1905765be658?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9cae764794acc12213aa530e21558ed2bd96c03f91e0c3ad21cc1905765be658?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zpraku.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zpraku.cz\/wp-content\/uploads\/st%C5%99%C3%A1d%C3%A1n%C3%AD%20pen%C4%9Bz_1.jpg","url":"https:\/\/www.zpraku.cz\/wp-content\/uploads\/st%C5%99%C3%A1d%C3%A1n%C3%AD%20pen%C4%9Bz_1.jpg","height":0,"width":0},"url":"https:\/\/www.zpraku.cz\/podminky-pro-ziskani-uverovych-produktu-pro-rok-2021\/","about":["Pen\u00edze"],"wordCount":408,"articleBody":"   Na trhu je v sou\u010dasn\u00e9 dob\u011b p\u0159ebytek likvidity a banky doslova bojuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta. Na druhou stranu ale st\u00e1le p\u0159ib\u00fdv\u00e1 po\u010det zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. Co je p\u0159\u00ed\u010dinou? M\u016f\u017ee za to z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kter\u00fd s ur\u010ditou pravidelnosti aktualizuje \u010cesk\u00e1 n\u00e1rodn\u00ed banka. Posledn\u00ed novely se tento z\u00e1kon do\u010dkal v dubnu 2020 jako reakci na na\u0159\u00edzen\u00ed vl\u00e1dy. Pandemie koronaviru sice do zna\u010dn\u00e9 m\u00edry podm\u00ednky na n\u011bjak\u00fd \u010das p\u0159eci jenom zm\u00edrnila, ale i tak m\u016f\u017ee b\u00fdt t\u011b\u017ek\u00e9 v slo\u017eit\u011b nastaven\u00fdch podm\u00ednk\u00e1ch obst\u00e1t. Co tedy mus\u00ed \u017eadatel splnit, aby m\u011bl nejv\u011bt\u0161\u00ed \u0161anci t\u00ed\u017een\u00fd \u00fav\u011br z\u00edskat?Pracovn\u00ed smlouvaAby bylo mo\u017en\u00e9 \u00fav\u011br spl\u00e1cet, je zapot\u0159eb\u00ed pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem. V\u00fd\u0161e p\u0159\u00edjm\u016f mus\u00ed b\u00fdt dolo\u017eena pracovn\u00ed smlouvou na dobu neur\u010ditou. Do celkov\u00fdch p\u0159\u00edjm\u016f se mohou v\u0161ak zapo\u010d\u00edt\u00e1vat i p\u0159\u00edjmy ze samostatn\u011b v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti nebo z pron\u00e1jmu nemovitosti. V p\u0159\u00edpad\u011b, kdy je \u017eadatel zam\u011bstn\u00e1n pouze na dobu ur\u010ditou, je zapot\u0159eb\u00ed \u00fav\u011br splatit je\u0161t\u011b p\u0159ed vypr\u0161en\u00edm platnosti pracovn\u00ed smlouvy. A jak je to v p\u0159\u00edpad\u011b zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016fty? V takov\u00e9m p\u0159\u00edpad\u011b \u017eadatel odejde s banky s nepo\u0159\u00edzenou, nebo\u0165 pro n\u00ed p\u0159edstavuje p\u0159\u00edli\u0161 vysok\u00e9 riziko. Registr dlu\u017en\u00edk\u016fJeden z nej\u010dast\u011bj\u0161\u00edch d\u016fvod\u016f, kter\u00fd vede banku k zam\u00edtnut\u00ed \u017e\u00e1dosti je negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f. Je to vcelku jednoduch\u00e9, na\u0161e platebn\u00ed mor\u00e1lka je pravideln\u011b zaznamen\u00e1v\u00e1na v registrech dlu\u017en\u00edk\u016f. Za v\u010dasn\u00e9 placen\u00ed sv\u00fdch pohled\u00e1vek z\u00edsk\u00e1v\u00e1me plusov\u00e9 body, kter\u00e9 se n\u00e1m p\u0159i \u017e\u00e1dosti o \u00fav\u011br mohou hodit. Pokud v\u0161ak sv\u00e9 z\u00e1vazky nespl\u00e1c\u00edme v\u010das nebo v\u016fbec, negativn\u00ed z\u00e1znamy n\u00e1m n\u00e1sledn\u011b mohou velmi zkomplikovat \u017eivot. Nebankovn\u00ed spole\u010dnosti jsou v\u0161ak v tomto ohledu o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed a nab\u00edz\u00ed spot\u0159ebitelsk\u00e9 \u00fav\u011bry nebo t\u0159eba americkou hypot\u00e9ku bez registru i t\u011bm \u017eadatel\u016fm, kte\u0159\u00ed v bance kv\u016fli negativn\u00edmu z\u00e1znamu v registru neusp\u011bli.                                                                                                                                                                                                                                                                                                                                                                                           4.8\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011brov\u00fdch produkt\u016f pro rok 2021","item":"https:\/\/www.zpraku.cz\/podminky-pro-ziskani-uverovych-produktu-pro-rok-2021\/#breadcrumbitem"}]}]