[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kolgas.cz\/nejcastejsi-duvody-ktere-vedou-k-zamitnuti-zadosti-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.kolgas.cz\/nejcastejsi-duvody-ktere-vedou-k-zamitnuti-zadosti-o-uver\/","headline":"Nej\u010dast\u011bj\u0161\u00ed d\u016fvody, kter\u00e9 vedou k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br","name":"Nej\u010dast\u011bj\u0161\u00ed d\u016fvody, kter\u00e9 vedou k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br","description":"D\u016fvod\u016f, pro\u010d banka zam\u00edtla \u017e\u00e1dost o \u00fav\u011br, m\u016f\u017ee b\u00fdt hned n\u011bkolik. V n\u011bkter\u00fdch p\u0159\u00edpadech m\u016f\u017ee j\u00edt o drobnost, jindy se m\u016f\u017ee jednat o z\u00e1va\u017en\u00e9 proh\u0159e\u0161ky. Jak\u00e9 jsou nej\u010dast\u011bj\u0161\u00ed d\u016fvody ne\u00fasp\u011bchu a jak jim p\u0159edch\u00e1zet? A co je to vlastn\u011b bonita klienta? Pracovn\u00ed smlouva Pracovn\u00ed smlouva na dobu neur\u010ditou je pro banku opravdu d\u016fle\u017eit\u00e1, nebo\u0165 garantuje,...

P\u0159e\u010d\u00edst “Nej\u010dast\u011bj\u0161\u00ed d\u016fvody, kter\u00e9 vedou k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br”<\/span> »<\/a><\/p>","datePublished":"2020-11-29","dateModified":"2020-11-29","author":{"@type":"Person","@id":"https:\/\/www.kolgas.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.kolgas.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/06473a178d94fb830b46e277369729e9534f2612e261ec2f1ee96b672ef473e2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/06473a178d94fb830b46e277369729e9534f2612e261ec2f1ee96b672ef473e2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kolgas.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kolgas.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_8.jpg","url":"https:\/\/www.kolgas.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_8.jpg","height":0,"width":0},"url":"https:\/\/www.kolgas.cz\/nejcastejsi-duvody-ktere-vedou-k-zamitnuti-zadosti-o-uver\/","about":["Online"],"wordCount":409,"articleBody":" D\u016fvod\u016f, pro\u010d banka zam\u00edtla \u017e\u00e1dost o \u00fav\u011br, m\u016f\u017ee b\u00fdt hned n\u011bkolik. V n\u011bkter\u00fdch p\u0159\u00edpadech m\u016f\u017ee j\u00edt o drobnost, jindy se m\u016f\u017ee jednat o z\u00e1va\u017en\u00e9 proh\u0159e\u0161ky. Jak\u00e9 jsou nej\u010dast\u011bj\u0161\u00ed d\u016fvody ne\u00fasp\u011bchu a jak jim p\u0159edch\u00e1zet? A co je to vlastn\u011b bonita klienta?Pracovn\u00ed smlouvaPracovn\u00ed smlouva na dobu neur\u010ditou je pro banku opravdu d\u016fle\u017eit\u00e1, nebo\u0165 garantuje, \u017ee \u017eadatel bude m\u00edt k dispozici dostatek finan\u010dn\u00edch prost\u0159edk\u016f, aby mohl sv\u016fj z\u00e1vazek v\u016f\u010di v\u011b\u0159iteli bez probl\u00e9m\u016f spl\u00e1cet. V p\u0159\u00edpad\u011b pracovn\u00ed smlouvy na dobu ur\u010ditou m\u016f\u017ee b\u00fdt \u00fav\u011br schv\u00e1len jen za p\u0159edpokladu, \u017ee bude splacen je\u0161t\u011b p\u0159ed vypr\u0161en\u00edm pracovn\u00ed smlouvy. Pokud je v\u0161ak \u017eadatel ve v\u00fdpov\u011bdn\u00ed nebo zku\u0161ebn\u00ed lh\u016ft\u011b v zam\u011bstn\u00e1n\u00ed, \u017e\u00e1dost mu bude s ur\u010ditost\u00ed zam\u00edtnuta, nebo\u0165 kdykoliv hroz\u00ed ztr\u00e1ta zam\u011bstn\u00e1n\u00ed a tud\u00ed\u017e i neschopnost spl\u00e1cet. Z\u00e1znamy v nejr\u016fzn\u011bj\u0161\u00edch registrech dlu\u017en\u00edk\u016fNa\u0161e platebn\u00ed mor\u00e1lka je pravideln\u011b zaznamen\u00e1v\u00e1na v nejr\u016fzn\u011bj\u0161\u00edch registrech a je tud\u00ed\u017e v na\u0161em z\u00e1jmu, abychom ve\u0161ker\u00e9 pohled\u00e1vky platili s dosta\u010den\u00fdm p\u0159edstihem. V p\u0159\u00edpad\u011b kladn\u00e9ho spl\u00e1cen\u00ed m\u016f\u017ee z\u00edskat plusov\u00e9 body, kter\u00e9 n\u00e1m pak mohou pomoci p\u0159i \u017e\u00e1dosti o \u00fav\u011br. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b se v\u0161ak s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed u na\u0161eho jm\u00e9na objev\u00ed negativn\u00ed z\u00e1znam. Opo\u017ed\u011bn\u00e9 spl\u00e1tky tak mohou budouc\u00ed v\u011b\u0159itele varovat p\u0159ed nesolventnost\u00ed klienta a schvalov\u00e1n\u00ed \u00fav\u011bru s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed skon\u010d\u00ed zam\u00edtnut\u00edm. Do registr\u016f se zaznamen\u00e1vaj\u00ed krom bankovn\u00edch i nebankovn\u00edch \u00fav\u011br\u016f i dal\u0161\u00ed probl\u00e9my se spl\u00e1cen\u00edm, kter\u00fd dan\u00fd \u017eadatel m\u00e1. Nav\u00edc v t\u011bchto registrech se krom platebn\u00ed mor\u00e1lky zaznamen\u00e1vaj\u00ed ne\u00fasp\u011b\u0161n\u00e9 \u017e\u00e1dosti o \u00fav\u011br. V p\u0159\u00edpad\u011b, kdy tak v jedn\u00e9 bance neusp\u011bjete, je skoro zbyte\u010dn\u00e9 \u017e\u00e1dat n\u011bkde jinde, \u017e\u00e1dost toti\u017e s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed skon\u010d\u00ed se stejn\u00fdm z\u00e1v\u011brem. Americk\u00e1 hypot\u00e9ka kalkula\u010dka https:\/\/nebankovni-hypoteky-cz.cz\/ v\u0161ak p\u0159esto nab\u00edz\u00ed \u0159e\u0161en\u00ed, kdy\u017e p\u0159ed v\u00e1mi banky zav\u0159ou dve\u0159e. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nej\u010dast\u011bj\u0161\u00ed d\u016fvody, kter\u00e9 vedou k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br","item":"https:\/\/www.kolgas.cz\/nejcastejsi-duvody-ktere-vedou-k-zamitnuti-zadosti-o-uver\/#breadcrumbitem"}]}]