[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.plackarna.cz\/v-jakych-pridech-budete-zadat-o-pujcku-v-bance-jen-marne\/#Article","mainEntityOfPage":"https:\/\/www.plackarna.cz\/v-jakych-pridech-budete-zadat-o-pujcku-v-bance-jen-marne\/","headline":"V jak\u00fdch p\u0159\u00eddech budete \u017e\u00e1dat o p\u016fj\u010dku v bance jen marn\u011b?","name":"V jak\u00fdch p\u0159\u00eddech budete \u017e\u00e1dat o p\u016fj\u010dku v bance jen marn\u011b?","description":"Banky jsou v posuzov\u00e1n\u00ed sv\u00fdch klient\u016f mnohdy nekompromisn\u00ed, a proto p\u0159i sjedn\u00e1n\u00ed hypot\u00e9ky nebo \u00fav\u011bru m\u016f\u017eete velmi snadno poho\u0159et. V\u00edte, jak dolo\u017e\u00edte p\u0159\u00edjmy Hypotekybezregistru, co v\u0161echno pot\u0159ebujete p\u0159i sjedn\u00e1n\u00ed \u00fav\u011bru nebo zda m\u00e1te v\u016fbec \u0161anci t\u00ed\u017een\u00fd \u00fav\u011br z\u00edskat? Banky maj\u00ed sestaven\u00e9 p\u0159\u00edsn\u00e9 tabulky, kter\u00fdmi nem\u00e1te mo\u017enost v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b proj\u00edt, pokud by\u0165 jenom okrajov\u011b spad\u00e1te […]","datePublished":"2020-05-17","dateModified":"2023-05-11","author":{"@type":"Person","@id":"https:\/\/www.plackarna.cz\/author\/#Person","name":"","url":"https:\/\/www.plackarna.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0c4621640b5c0734669aeb181ef77969b528487727344f28e734a206566ea0f1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0c4621640b5c0734669aeb181ef77969b528487727344f28e734a206566ea0f1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"plackarna.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.plackarna.cz\/wp-content\/uploads\/snadn%C3%A9%20nakupov%C3%A1n%C3%AD.jpg","url":"https:\/\/www.plackarna.cz\/wp-content\/uploads\/snadn%C3%A9%20nakupov%C3%A1n%C3%AD.jpg","height":0,"width":0},"url":"https:\/\/www.plackarna.cz\/v-jakych-pridech-budete-zadat-o-pujcku-v-bance-jen-marne\/","about":["Web"],"wordCount":408,"articleBody":"   Banky jsou v posuzov\u00e1n\u00ed sv\u00fdch klient\u016f mnohdy nekompromisn\u00ed, a proto p\u0159i sjedn\u00e1n\u00ed hypot\u00e9ky nebo \u00fav\u011bru m\u016f\u017eete velmi snadno poho\u0159et. V\u00edte, jak dolo\u017e\u00edte p\u0159\u00edjmy Hypotekybezregistru, co v\u0161echno pot\u0159ebujete p\u0159i sjedn\u00e1n\u00ed \u00fav\u011bru nebo zda m\u00e1te v\u016fbec \u0161anci t\u00ed\u017een\u00fd \u00fav\u011br z\u00edskat? Banky maj\u00ed sestaven\u00e9 p\u0159\u00edsn\u00e9 tabulky, kter\u00fdmi nem\u00e1te mo\u017enost v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b proj\u00edt, pokud by\u0165 jenom okrajov\u011b spad\u00e1te do skupiny tzv. rizikov\u00fdch klient\u016f. V jak\u00e9m p\u0159\u00edpad\u011b tedy p\u016fj\u010dku od banky nikdy nedostanete, a existuje v\u016fbec jin\u00e1 mo\u017enost, kdy\u017e pen\u00edze pot\u0159ebujete za ka\u017edou cenu?V jak\u00e9 situaci s \u00fav\u011brem rad\u011bji nepo\u010d\u00edtat?Banky maj\u00ed u\u017e p\u0159edem vyty\u010den\u00e9 d\u016fvody, d\u00edky kter\u00fdm na p\u016fj\u010dku n\u011bkte\u0159\u00ed \u017eadatel\u00e9 zkr\u00e1tka nedos\u00e1hnou. Jak\u00e9 to jsou?Nem\u00e1te pravideln\u00e9 p\u0159\u00edjmyI kdy\u017e v dne\u0161n\u00ed dob\u011b najdete mnoho instituc\u00ed, kter\u00e9 nab\u00eddnou p\u016fj\u010dku i \u017eadatel\u016fm bez pravideln\u00fdch p\u0159\u00edjm\u016f, u banky se s ni\u010d\u00edm takov\u00fdm nesetk\u00e1te. Pokud tedy nepob\u00edr\u00e1te pravidelnou mzdu, banka s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed \u017e\u00e1dost o \u00fav\u011br zam\u00edtne, a proto nen\u00ed pot\u0159eba do banky ani chodit a o cokoliv \u017e\u00e1dat. Byla by to zbyte\u010dn\u00e1 pr\u00e1ce. Banka toti\u017e vych\u00e1z\u00ed z bonity \u017eadatele, kter\u00e1 do jist\u00e9 m\u00edry souvis\u00ed s m\u011bs\u00ed\u010dn\u00edmi p\u0159\u00edjmy a v\u00fddaji. Pokud tedy p\u0159\u00edjmy jsou ve form\u011b soci\u00e1ln\u00edch d\u00e1vek nebo nepravideln\u00e9, po\u010d\u00edtejte s t\u00edm, \u017ee v\u00e1m banka \u017e\u00e1dost o \u00fav\u011br zam\u00edtne. Ov\u0161em to neplat\u00ed pouze pro klienty bez zam\u011bstn\u00e1n\u00ed, ale i ty, kte\u0159\u00ed nastoupili \u010derstv\u011b do pr\u00e1ce a jsou prozat\u00edm ve zku\u0161ebn\u00ed lh\u016ft\u011b. I s takov\u00fdmi klienty m\u00e1 bohu\u017eel banka probl\u00e9m. Nach\u00e1z\u00edte se ve skupin\u011b rizikov\u00fdch \u017eadatel\u016fBanka dok\u00e1\u017ee dokonce vytipovat, zda dok\u00e1\u017eete p\u016fj\u010dku bez probl\u00e9m\u016f spl\u00e1cet \u010di nikoliv. Do takov\u00e9 skupiny spadaj\u00ed hlavn\u011b maminky na mate\u0159sk\u00e9 dovolen\u00e9, rodi\u010de samo\u017eivitel\u00e9, studenti, d\u016fchodci nebo lid\u00e9 bez zam\u011bstn\u00e1n\u00ed. Tito lid\u00e9 maj\u00ed \u0161patnou startovn\u00ed pozici a pro banky tud\u00ed\u017e znamenaj\u00ed nesolventn\u00ed klientelu. Pokud tedy pat\u0159\u00edte do jedn\u00e9 z t\u011bchto kategori\u00ed, na p\u016fj\u010dku m\u016f\u017eete rovnou zapomenout.                                                                                                                                                                                                                                                                                                                                                                                           4.2\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V jak\u00fdch p\u0159\u00eddech budete \u017e\u00e1dat o p\u016fj\u010dku v bance jen marn\u011b?","item":"https:\/\/www.plackarna.cz\/v-jakych-pridech-budete-zadat-o-pujcku-v-bance-jen-marne\/#breadcrumbitem"}]}]