[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.busse.cz\/duvody-ktere-vedou-k-zamitnuti-zadosti-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.busse.cz\/duvody-ktere-vedou-k-zamitnuti-zadosti-o-uver\/","headline":"D\u016fvody, kter\u00e9 vedou k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br","name":"D\u016fvody, kter\u00e9 vedou k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br","description":"V \u017eivot\u011b ka\u017ed\u00e9ho z n\u00e1s m\u016f\u017ee nastat chv\u00edle, kdy nen\u00ed schopen bez ciz\u00ed pomoci zafinancovat ur\u010ditou etapu ve sv\u00e9m \u017eivot\u011b. M\u016f\u017ee se jednat o nov\u00e9 bydlen\u00ed, t\u0159eba v podob\u011b hypot\u00e9ky bez dolo\u017een\u00ed p\u0159\u00edjmu Fahd nebo zkr\u00e1tka jenom spot\u0159ebitelsk\u00fd \u00fav\u011br, kter\u00fd pom\u016f\u017ee zafinancovat ne\u010dekan\u00e9 v\u00fddaje v dom\u00e1cnosti nebo pom\u016f\u017ee p\u0159eklenout dobu do dal\u0161\u00ed v\u00fdplaty. Vy\u0159\u00edzen\u00ed p\u016fj\u010dky se m\u016f\u017ee diametr\u00e1ln\u011b odli\u0161ovat, zat\u00edmco v bance je del\u0161\u00ed schvalovac\u00ed proces pravidlem, u nebankovn\u00edch spole\u010dnost\u00ed […]","datePublished":"2021-01-18","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.busse.cz\/author\/#Person","name":"busse.cz\n","url":"https:\/\/www.busse.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f5ad5dcd5c02ecc0fdaf1fe4b2e9a39ad5c5cc2b614885090f6f77b1ccabb3a9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f5ad5dcd5c02ecc0fdaf1fe4b2e9a39ad5c5cc2b614885090f6f77b1ccabb3a9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"busse.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.busse.cz\/wp-content\/uploads\/art396252_1x1_20260817_113132_SIzX6O.jpg","url":"https:\/\/www.busse.cz\/wp-content\/uploads\/art396252_1x1_20260817_113132_SIzX6O.jpg","height":0,"width":0},"url":"https:\/\/www.busse.cz\/duvody-ktere-vedou-k-zamitnuti-zadosti-o-uver\/","about":["Bydlen\u00ed"],"wordCount":436,"articleBody":"           V \u017eivot\u011b ka\u017ed\u00e9ho z n\u00e1s m\u016f\u017ee nastat chv\u00edle, kdy nen\u00ed schopen bez ciz\u00ed pomoci zafinancovat ur\u010ditou etapu ve sv\u00e9m \u017eivot\u011b. M\u016f\u017ee se jednat o nov\u00e9 bydlen\u00ed, t\u0159eba v podob\u011b hypot\u00e9ky bez dolo\u017een\u00ed p\u0159\u00edjmu Fahd nebo zkr\u00e1tka jenom spot\u0159ebitelsk\u00fd \u00fav\u011br, kter\u00fd pom\u016f\u017ee zafinancovat ne\u010dekan\u00e9 v\u00fddaje v dom\u00e1cnosti nebo pom\u016f\u017ee p\u0159eklenout dobu do dal\u0161\u00ed v\u00fdplaty.  Vy\u0159\u00edzen\u00ed p\u016fj\u010dky se m\u016f\u017ee diametr\u00e1ln\u011b odli\u0161ovat, zat\u00edmco v bance je del\u0161\u00ed schvalovac\u00ed proces pravidlem, u nebankovn\u00edch spole\u010dnost\u00ed se dlouh\u00e9 \u010dekac\u00ed doby ob\u00e1vat nemus\u00edte, po\u010d\u00edtejte ale t\u0159eba s vy\u0161\u0161\u00edm \u00farokem nebo men\u0161\u00ed limit maxim\u00e1ln\u00ed vyp\u016fj\u010den\u00e9 \u010d\u00e1stky. A\u0165 u\u017e se rozhodnete pro kteroukoliv variantu, je pot\u0159eba si \u0159\u00edct, \u017ee vy\u0159izov\u00e1n\u00ed nen\u00ed v\u016fbec jednoduch\u00e9 a jen nepatrn\u00e1 drobnost m\u016f\u017ee cel\u00fd z\u00e1m\u011br o vyp\u016fj\u010den\u00ed pen\u011bz zhatit. I kdy\u017e se s touto variantou setk\u00e1v\u00e1me \u010d\u00edm d\u00e1l t\u00edm m\u00e9n\u011b, je zapot\u0159eb\u00ed se na n\u00ed p\u0159ipravit.  Zku\u0161enosti s \u00fav\u011brem, a\u0165 u\u017e v bankovn\u00edm nebo nebankovn\u00edm sektoru, m\u00e1 ka\u017ed\u00fd druh\u00fd \u010cech. Jedn\u00e1 se tedy o vcelku b\u011b\u017enou z\u00e1le\u017eitost, kter\u00e9 se nen\u00ed pot\u0159eba ob\u00e1vat. \u010cas od \u010dasu se m\u016f\u017ee ka\u017ed\u00fd z n\u00e1s ocitnout ve finan\u010dn\u00ed t\u00edsni a spr\u00e1vn\u011b zvolen\u00fd \u00fav\u011br m\u016f\u017ee b\u00fdt tou spr\u00e1vnou volbou, jak se co nejrychleji postavit zase na nohy. Banky jsou v\u0161ak p\u0159i schvalov\u00e1n\u00ed \u00fav\u011bru nekompromisn\u00ed, by\u0165 nepatrn\u00fd proh\u0159e\u0161ek m\u016f\u017ee v\u00e9st \u010dasto a\u017e k zam\u00edtnut\u00ed \u017e\u00e1dosti. Jak\u00e9 jsou tedy nej\u010dast\u011bj\u0161\u00ed d\u016fvody, pro kter\u00e9 banky sv\u00fdm klient\u016fm nevyhov\u00ed?  Bonita klienta Bonita klienta je nesm\u00edrn\u011b d\u016fle\u017eit\u00e1, pokud v\u0161ak banka shled\u00e1, \u017ee bonita \u017eadatele nen\u00ed uspokojuj\u00edc\u00ed, zam\u00edtne \u017e\u00e1dost a d\u00e1l se s v\u00e1mi nebude bavit. Bonitu klienta p\u0159itom ovliv\u0148uje cel\u00e1 \u0159ada aspekt\u016f, jako je v\u011bk \u017eadatele, m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy, finan\u010dn\u00ed minulost nebo celkov\u00fd v\u00fd\u0161e majetku.   Z\u00e1znam v registrech dlu\u017en\u00edk\u016f Negativn\u00ed z\u00e1znam v n\u011bkter\u00fdch z registr\u016f dlu\u017en\u00edk\u016f, banky nevid\u00ed v\u016fbec r\u00e1di. Va\u0161e \u0161ance na z\u00edsk\u00e1n\u00ed \u00fav\u011bru jsou v takov\u00e9m p\u0159\u00edpad\u011b t\u00e9m\u011b\u0159 nulov\u00e9. N\u011bkter\u00e9 banky v\u0161ak v p\u0159\u00edpad\u011b men\u0161\u00edho proh\u0159e\u0161ku p\u0159eci jenom p\u0159imhou\u0159\u00ed o\u010di, po\u010d\u00edtejte ov\u0161em s vy\u0161\u0161\u00ed \u00farokovou sazbou.                                                                                                                                                                                                                                                                                                                                                                                                   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