[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kcms.cz\/ktere-podminky-je-zapotrebi-splnit-pri-zadosti-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.kcms.cz\/ktere-podminky-je-zapotrebi-splnit-pri-zadosti-o-uver\/","headline":"Kter\u00e9 podm\u00ednky je zapot\u0159eb\u00ed splnit p\u0159i \u017e\u00e1dosti o \u00fav\u011br?","name":"Kter\u00e9 podm\u00ednky je zapot\u0159eb\u00ed splnit p\u0159i \u017e\u00e1dosti o \u00fav\u011br?","description":"Ty tam jsou doby, kdy \u00fav\u011br z\u00edskal ka\u017ed\u00fd, kdo o n\u011bj p\u0159i\u0161el za\u017e\u00e1dat. V sou\u010dasn\u00e9 dob\u011b se podm\u00ednky u \u0159ady […]","datePublished":"2021-06-09","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.kcms.cz\/author\/#Person","name":"","url":"https:\/\/www.kcms.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2a487990a452554e9d027cbab96c6e6e6d3b119f22a2b3fb9e2bcb7e021cd643?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2a487990a452554e9d027cbab96c6e6e6d3b119f22a2b3fb9e2bcb7e021cd643?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kcms.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kcms.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_10_10_10_10_10_10_10_10_4.jpg","url":"https:\/\/www.kcms.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_10_10_10_10_10_10_10_10_4.jpg","height":0,"width":0},"url":"https:\/\/www.kcms.cz\/ktere-podminky-je-zapotrebi-splnit-pri-zadosti-o-uver\/","about":["Podnik\u00e1n\u00ed"],"wordCount":431,"articleBody":"       Ty tam jsou doby, kdy \u00fav\u011br z\u00edskal ka\u017ed\u00fd, kdo o n\u011bj p\u0159i\u0161el za\u017e\u00e1dat. V sou\u010dasn\u00e9 dob\u011b se podm\u00ednky u \u0159ady \u00fav\u011brov\u00fdch produkt\u016f zp\u0159\u00edsnily a to znamen\u00e1 jen jedin\u00e9 \u2013 zvy\u0161uj\u00edc\u00ed se po\u010det zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. Schvalov\u00e1n\u00ed \u00fav\u011br\u016f do zna\u010dn\u00e9 m\u00edry ovlivnila novela spot\u0159ebitelsk\u00e9ho z\u00e1kona z roku 2018, kter\u00e1 d\u00e1v\u00e1 za povinnost v\u0161em poskytovatel\u016fm \u00fav\u011br\u016f d\u016fkladnou lustraci ka\u017ed\u00e9ho \u017eadatele, kter\u00fd p\u0159ijde do banky s my\u0161lenkou \u00fav\u011bru. Pokud by tak neu\u010dinili, mohlo by to pro n\u011b n\u00e1sledn\u011b znamenat \u0159adu probl\u00e9m\u016f. Dlu\u017en\u00edk by mohl smlouvu o \u00fav\u011bru napadnout pro jeho neplatnost a v p\u0159\u00edpad\u011b, \u017ee by mu bylo vyhov\u011bno, by nad\u00e1le spl\u00e1cel jen p\u016fj\u010denou \u010d\u00e1stku bez \u00farok\u016f a dal\u0161\u00edch poplatk\u016f. Poj\u010fme se te\u010f spole\u010dn\u011b pod\u00edvat na n\u011bkolik z\u00e1konem dan\u00fdch podm\u00ednek, kter\u00e9 mus\u00ed \u017eadatel splnit, aby mu byl \u00fav\u011br schv\u00e1len. M\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem\u010cist\u00e1 mzda je pro banku jeden z kl\u00ed\u010dov\u00fdch faktor\u016f, o kter\u00fd se zaj\u00edm\u00e1 v p\u0159\u00edpad\u011b posouzen\u00ed \u017e\u00e1dosti o \u00fav\u011br. M\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem je zapot\u0159eb\u00ed dolo\u017eit pracovn\u00ed smlouvou na dobu neur\u010ditou. V p\u0159\u00edpad\u011b, kdy \u017eadatel disponuje pouze pracovn\u00ed smlouvou na dobu neur\u010ditou, je st\u00e1le \u0161ance, \u017ee \u017eadatel \u00fav\u011br z\u00edsk\u00e1. Je v\u0161ak zapot\u0159eb\u00ed, aby byl \u00fav\u011br zcela splacen je\u0161t\u011b p\u0159ed dovr\u0161en\u00edm pracovn\u00edho pom\u011bru. Ov\u0161em pokud se moment\u00e1ln\u011b nach\u00e1z\u00ed ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b, \u00fav\u011br mu schv\u00e1len s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed nebude. Registr dlu\u017en\u00edk\u016fRegistr dlu\u017en\u00edk\u016f je pro mnoh\u00e9 velk\u00fdm stra\u0161\u00e1kem, kter\u00fd m\u016f\u017ee zhatit \u017e\u00e1dost o \u00fav\u011br mrknut\u00edm oka. Do registr\u016f jsou pravideln\u011b zaznamen\u00e1v\u00e1na na\u0161e platebn\u00ed mor\u00e1lka. Pokud v\u0161echny sv\u00e9 pohled\u00e1vky spl\u00e1c\u00edme v\u010das, z\u00edsk\u00e1v\u00e1me plusov\u00e9 body, kter\u00e9 pomohou na\u0161\u00ed d\u016fv\u011bryhodnosti. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b, ale z\u00edsk\u00e1v\u00e1me body z\u00e1porn\u00e9, kter\u00e9 n\u00e1m mohou n\u00e1sledn\u011b v bance p\u011bkn\u011b zkomplikovat \u017eivot. Pov\u011bt\u0161inou toti\u017e \u017eadatel s negativn\u00edm z\u00e1znamem odch\u00e1z\u00ed z banky s nepo\u0159\u00edzenou a zam\u00edtnut\u00e1 \u017e\u00e1dost je t\u00e9\u017e zaznamen\u00e1na. Pokud u\u017e se jedna banka vyj\u00e1d\u0159ila k \u017e\u00e1dosti negativn\u011b, u dal\u0161\u00ed po\u010d\u00edtejte s podobn\u00fdm v\u00fdsledkem.                                                                                                                                                                                                                                                                                                                                                                                           4.4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kter\u00e9 podm\u00ednky je zapot\u0159eb\u00ed splnit p\u0159i \u017e\u00e1dosti o \u00fav\u011br?","item":"https:\/\/www.kcms.cz\/ktere-podminky-je-zapotrebi-splnit-pri-zadosti-o-uver\/#breadcrumbitem"}]}]