[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.man-mn.cz\/nebankovni-spolecnosti-cekaji-na-zadatele-s-otevrenou-naruci\/#Article","mainEntityOfPage":"https:\/\/www.man-mn.cz\/nebankovni-spolecnosti-cekaji-na-zadatele-s-otevrenou-naruci\/","headline":"Nebankovn\u00ed spole\u010dnosti \u010dekaj\u00ed na \u017eadatele s otev\u0159enou n\u00e1ru\u010d\u00ed","name":"Nebankovn\u00ed spole\u010dnosti \u010dekaj\u00ed na \u017eadatele s otev\u0159enou n\u00e1ru\u010d\u00ed","description":"Banka m\u016f\u017ee \u017e\u00e1dost o \u00fav\u011br zam\u00edtnout z cel\u00e9 \u0159ady d\u016fvod\u016f. Co te\u010f? Stalo se n\u011bco podobn\u00e9ho i v\u00e1m? Pro\u010d v\u00e1m banka nedala \u017e\u00e1dn\u00e9 stanovisko, jak k z\u00e1v\u011bru do\u0161la? Byla probl\u00e9mem p\u0159\u00edli\u0161 n\u00edzk\u00e1 bonita? D\u016fvod\u016f k zam\u00edtnut\u00ed m\u016f\u017ee b\u00fdt cel\u00e1 \u0159ada, poj\u010fme si p\u0159edstavit ty nejb\u011b\u017en\u011bj\u0161\u00ed, se kter\u00fdmi se setk\u00e1v\u00e1 ka\u017ed\u00fd","datePublished":"2021-05-28","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.man-mn.cz\/author\/#Person","name":"","url":"https:\/\/www.man-mn.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"man-mn.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.man-mn.cz\/wp-content\/uploads\/pot%C5%99esen%C3%AD%20rukou_10.jpg","url":"https:\/\/www.man-mn.cz\/wp-content\/uploads\/pot%C5%99esen%C3%AD%20rukou_10.jpg","height":0,"width":0},"url":"https:\/\/www.man-mn.cz\/nebankovni-spolecnosti-cekaji-na-zadatele-s-otevrenou-naruci\/","about":["Web"],"wordCount":405,"articleBody":"      Banka m\u016f\u017ee \u017e\u00e1dost o \u00fav\u011br zam\u00edtnout z cel\u00e9 \u0159ady d\u016fvod\u016f. Co te\u010f? Stalo se n\u011bco podobn\u00e9ho i v\u00e1m? Pro\u010d v\u00e1m banka nedala \u017e\u00e1dn\u00e9 stanovisko, jak k z\u00e1v\u011bru do\u0161la? Byla probl\u00e9mem p\u0159\u00edli\u0161 n\u00edzk\u00e1 bonita? D\u016fvod\u016f k zam\u00edtnut\u00ed m\u016f\u017ee b\u00fdt cel\u00e1 \u0159ada, poj\u010fme si p\u0159edstavit ty nejb\u011b\u017en\u011bj\u0161\u00ed, se kter\u00fdmi se setk\u00e1v\u00e1 ka\u017ed\u00fd p\u00e1t\u00fd \u010cech. Pracovn\u00ed smlouva na dobu ne\/ur\u010ditouAby byl \u017eadatel schopen spl\u00e1cet \u00fav\u011br bez probl\u00e9m\u016f, je zapot\u0159eb\u00ed pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem. Ten m\u016f\u017ee poch\u00e1zet ze samostatn\u011b v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti, zam\u011bstn\u00e1n\u00ed nebo t\u0159eba pron\u00e1jmu nemovitosti. Pak jsou ale p\u0159\u00edjmy, kter\u00e9 banky neakceptuj\u00ed \u2013 p\u0159\u00edsp\u011bvky v hmotn\u00e9 nouzi, starobn\u00ed d\u016fchod, podpora v nezam\u011bstnanosti atd. Pro banku je v takovou chv\u00edl\u00ed \u017eadatel ned\u016fv\u011bryhodn\u00fd a \u00fav\u011br s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed zam\u00edtne. P\u0159\u00edjmy ze zam\u011bstn\u00e1n\u00ed je zapot\u0159eb\u00ed dolo\u017eit pracovn\u00ed smlouvou na dobu neur\u010ditou. Pro mnoho bank nen\u00ed probl\u00e9mem ani pracovn\u00ed smlouva na dobu ur\u010ditou, \u00fav\u011br v\u0161ak mus\u00ed b\u00fdt splacen je\u0161t\u011b p\u0159ed dovr\u0161en\u00edm pracovn\u00ed smlouvy. V p\u0159\u00edpad\u011b v\u0161ak, kdy \u017eadatel je ve v\u00fdpov\u011bdn\u00ed nebo zku\u0161ebn\u00ed lh\u016ft, \u00fav\u011br mu pov\u011bt\u0161inou \u017e\u00e1dn\u00e1 bankovn\u00ed spole\u010dnost nenab\u00eddne. Registr dlu\u017en\u00edk\u016fDal\u0161\u00ed p\u0159ek\u00e1\u017ekou na cest\u011b za schv\u00e1len\u00fdm \u00fav\u011brem je registr dlu\u017en\u00edk\u016f, kam je pravideln\u011b zaznamen\u00e1v\u00e1na na\u0161e platebn\u00ed mor\u00e1lka. Pokud jste se tedy n\u011bkdy v minulosti ocitli v situaci, kdy jste nebyli schopni dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed va\u0161e \u00fadaje budou v n\u011bkter\u00e9m z registr\u016f figurovat. Banky v takov\u00e9m p\u0159\u00edpad\u011b \u017eadatel\u016fm \u00fav\u011br neschvaluj\u00ed, p\u0159esto je\u0161t\u011b nen\u00ed nic ztraceno. Nebankovn\u00ed spole\u010dnosti jsou v tomto ohledu ke sv\u00fdm \u017eadatel\u016fm o n\u011bco benevolentn\u011bj\u0161\u00ed. Do registru bu\u010f v\u016fbec nenahl\u00ed\u017eej\u00ed, nebo neberou negativn\u00ed z\u00e1znam v registru v potaz. Jedn\u00edm z p\u0159\u00edklad\u016f za v\u0161echny je hypot\u00e9ka bez registru, kter\u00e1 c\u00edl\u00ed pr\u00e1v\u011b na \u017eadatele, kter\u00fdm banka z jak\u00e9hokoliv d\u016fvodu odm\u00edtla p\u016fj\u010dit. Vyzkou\u0161\u00edte j\u00ed tak\u00e9?                                                                                                                                                                                                                                                                                                                                                                                           4.5\/5 - (15 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebankovn\u00ed spole\u010dnosti \u010dekaj\u00ed na \u017eadatele s otev\u0159enou n\u00e1ru\u010d\u00ed","item":"https:\/\/www.man-mn.cz\/nebankovni-spolecnosti-cekaji-na-zadatele-s-otevrenou-naruci\/#breadcrumbitem"}]}]