[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.digoknu.cz\/jake-podminky-musite-splnit-pri-zadosti-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.digoknu.cz\/jake-podminky-musite-splnit-pri-zadosti-o-uver\/","headline":"Jak\u00e9 podm\u00ednky mus\u00edte splnit p\u0159i \u017e\u00e1dosti o \u00fav\u011br?","name":"Jak\u00e9 podm\u00ednky mus\u00edte splnit p\u0159i \u017e\u00e1dosti o \u00fav\u011br?","description":"S \u00fav\u011brem se za \u017eivot setk\u00e1 ka\u017ed\u00fd druh\u00fd z n\u00e1s, to je tak trochu alarmuj\u00edc\u00ed \u00fadaj. Na druh\u00e9 stran\u011b je ale zapot\u0159eb\u00ed \u0159\u00edci, \u017ee valn\u00e1...","datePublished":"2022-02-11","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.digoknu.cz\/author\/#Person","name":"","url":"https:\/\/www.digoknu.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"digoknu.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.digoknu.cz\/wp-content\/uploads\/coins-gfc7c1e7a4_640_1.jpg","url":"https:\/\/www.digoknu.cz\/wp-content\/uploads\/coins-gfc7c1e7a4_640_1.jpg","height":0,"width":0},"url":"https:\/\/www.digoknu.cz\/jake-podminky-musite-splnit-pri-zadosti-o-uver\/","about":["Domov"],"wordCount":410,"articleBody":"   S \u00fav\u011brem se za \u017eivot setk\u00e1 ka\u017ed\u00fd druh\u00fd z n\u00e1s, to je tak trochu alarmuj\u00edc\u00ed \u00fadaj. Na druh\u00e9 stran\u011b je ale zapot\u0159eb\u00ed \u0159\u00edci, \u017ee valn\u00e1 v\u011bt\u0161ina \u00fav\u011brov\u00fdch produkt\u016f jsou hypot\u00e9ky, kter\u00e9 lid\u00e9 vyu\u017e\u00edvaj\u00ed k financov\u00e1n\u00ed vlastn\u00edho bydlen\u00ed. Hned v z\u00e1v\u011bsu za nimi jsou ale \u00fav\u011bry ze stavebn\u00edho spo\u0159en\u00ed a spot\u0159ebitelsk\u00e9 \u00fav\u011bry. Poj\u010fme se pod\u00edvat na n\u011bkter\u00e9 podm\u00ednky, kter\u00e9 mus\u00ed \u017eadatel splnit, aby mu byl \u00fav\u011br schv\u00e1len. Pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjemZe samostatn\u011b v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti, podnik\u00e1n\u00ed nebo zam\u011bstn\u00e1n\u00ed, n\u011bkte\u0159\u00ed poskytovatel\u00e9 \u00fav\u011br\u016f ale akceptuj\u00ed t\u0159eba i p\u0159\u00edjmy z pron\u00e1jmu nemovitosti. P\u0159i \u017e\u00e1dosti o \u00fav\u011br je p\u0159\u00edjem kl\u00ed\u010dov\u00fd, jen\u017ee ne ka\u017ed\u00fd m\u016f\u017ee jeho v\u00fd\u0161i dolo\u017eit. V takov\u00e9m p\u0159\u00edpad\u011b ale s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed na \u00fav\u011br nem\u00e1 \u0161anci dos\u00e1hnout a nakonec odejde s nepo\u0159\u00edzenou. V p\u0159\u00edpad\u011b, \u017ee se jedn\u00e1 o p\u0159\u00edjem ze zam\u011bstn\u00e1n\u00ed, je zapot\u0159eb\u00ed ho podlo\u017eit pracovn\u00ed smlouvou na dobu neur\u010ditou. \u017dadatel m\u016f\u017ee dos\u00e1hnout za ur\u010dit\u00fdch podm\u00ednek na \u00fav\u011br i v p\u0159\u00edpad\u011b, \u017ee m\u00e1 smlouvu jen na dobu ur\u010ditou. Ur\u010dit\u011b v\u0161ak v tomto p\u0159\u00edpad\u011b nez\u00edsk\u00e1 hypot\u00e9ku. Bude se jednat o \u00fav\u011br men\u0161\u00edho r\u00e1zu, kter\u00fd bude muset b\u00fdt splacen je\u0161t\u011b p\u0159ed vypr\u0161en\u00edm pracovn\u00ed smlouvy. N\u011bkter\u00e9 nebankovn\u00ed spole\u010dnosti v\u0161ak nab\u00edz\u00ed i spot\u0159ebitelsk\u00e9 \u00fav\u011bry nebo hypot\u00e9ku bez dolo\u017een\u00ed p\u0159\u00edjmu. V takov\u00fdch p\u0159\u00edpadech mohou na \u00fav\u011br dos\u00e1hnout i tac\u00ed, kte\u0159\u00ed by v bance nikdy nesp\u011bli. Z\u00e1znamy v registrechPokud \u017eadatel v minulosti nespl\u00e1cel z\u00e1vazky tak jak m\u011bl, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed se bude muset pot\u00fdkat s negativn\u00edm z\u00e1znamem v n\u011bkter\u00e9m z registr\u016f dlu\u017en\u00edk\u016f. Pro banky jasn\u00fd ukazatel ned\u016fv\u011bryhodn\u00e9ho \u017eadatele, jak v tomto ohledu p\u0159istupuj\u00ed nebankovn\u00ed subjekty? Ty jsou v tomto ohledu velmi benevolentn\u00ed a nab\u00edz\u00ed \u00fav\u011br i \u017eadatel\u016fm, kter\u00fdm banka z tohoto d\u016fvodu \u00fav\u011br zam\u00edtla. Benevolentnost je ale do jist\u00e9 m\u00edry vykoupena vy\u0161\u0161\u00ed \u00farokovou sazbou. P\u016fj\u010dky jsou tak\u00e9 \u010dasto se z\u00e1stavou nemovitosti.                                                                                                                                                                                                                                                                                                                                                                                           3.7\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak\u00e9 podm\u00ednky mus\u00edte splnit p\u0159i \u017e\u00e1dosti o \u00fav\u011br?","item":"https:\/\/www.digoknu.cz\/jake-podminky-musite-splnit-pri-zadosti-o-uver\/#breadcrumbitem"}]}]