[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.creates.cz\/o-uver-mohou-zazadat-i-tzv-rizikovy-zadatele\/#Article","mainEntityOfPage":"https:\/\/www.creates.cz\/o-uver-mohou-zazadat-i-tzv-rizikovy-zadatele\/","headline":"O \u00fav\u011br mohou za\u017e\u00e1dat i tzv. rizikov\u00fd \u017eadatel\u00e9!","name":"O \u00fav\u011br mohou za\u017e\u00e1dat i tzv. rizikov\u00fd \u017eadatel\u00e9!","description":"Banky maj\u00ed, co se t\u00fd\u010de \u00fav\u011brov\u00fdch produkt\u016f jasno a kdo nespl\u0148uje jejich… ","datePublished":"2022-05-27","dateModified":"2022-05-27","author":{"@type":"Person","@id":"https:\/\/www.creates.cz\/author\/#Person","name":"","url":"https:\/\/www.creates.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4a71ad3e3da672fdab00dac6e0f7e744f8cb217202b101d0ffab0cf07645e95c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4a71ad3e3da672fdab00dac6e0f7e744f8cb217202b101d0ffab0cf07645e95c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"creates.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.creates.cz\/wp-content\/uploads\/sloupec%20pen%C4%9Bz_10_1.jpg","url":"https:\/\/www.creates.cz\/wp-content\/uploads\/sloupec%20pen%C4%9Bz_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.creates.cz\/o-uver-mohou-zazadat-i-tzv-rizikovy-zadatele\/","about":["Spole\u010dnosti"],"wordCount":381,"articleBody":"   Banky maj\u00ed, co se t\u00fd\u010de \u00fav\u011brov\u00fdch produkt\u016f jasno a kdo nespl\u0148uje jejich p\u0159\u00edsn\u011b nastaven\u00e1 m\u011b\u0159\u00edtka, v\u011bt\u0161inou s \u017e\u00e1dost\u00ed o \u00fav\u011br neobstoj\u00ed. D\u016fle\u017eit\u00e1 je ale prim\u00e1rn\u011b bonita \u017eadatele, kterou ovliv\u0148uje hned n\u011bkolik faktor\u016f. Rozhoduj\u00edc\u00ed je nejenom v\u00fd\u0161e p\u0159\u00edjm\u016f, ale i dal\u0161\u00ed z\u00e1vazky, z\u00e1znamy v registrech \u010di po\u010det \u010dlen\u016f ve spole\u010dn\u00e9 dom\u00e1cnosti. A jeliko\u017e banka p\u0159istupuje ke ka\u017ed\u00e9mu \u017eadateli individu\u00e1ln\u011b, prodlu\u017euje se i schvalovac\u00ed proces \u00fav\u011brov\u00fdch produkt\u016f. Na\u0161t\u011bst\u00ed jsou tu ale nebankovn\u00ed spole\u010dnosti, kter\u00e9 pracuj\u00ed s automatick\u00fdm schvalovac\u00edm syst\u00e9mem a jsou v mnoh\u00fdch ohledech o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed. P\u0159\u00edjem Jednou z podm\u00ednek pro schv\u00e1len\u00ed jak\u00e9hokoliv \u00fav\u011brov\u00e9ho produktu je pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem. Ten mus\u00ed b\u00fdt dolo\u017een za pomoci pracovn\u00ed smlouvy na dobu neur\u010ditou. N\u011bkter\u00e9 banky akceptuj\u00ed i pracovn\u00ed z\u00e1vazek na dobu ur\u010ditou za p\u0159edpokladu, \u017ee bude \u00fav\u011br splacen je\u0161t\u011b p\u0159ed vypr\u0161en\u00edm pracovn\u00ed smlouvu. Pokud se \u017eadatel moment\u00e1ln\u011b nach\u00e1z\u00ed ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b, n \u00fav\u011br m\u016f\u017ee s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed zapomenout. Samoz\u0159ejm\u011b banky akceptuj\u00ed i dal\u0161\u00ed p\u0159\u00edjmy z podnik\u00e1n\u00ed, samostatn\u011b v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti nebo z pron\u00e1jmu nemovitost\u00ed. Nebankovn\u00ed spole\u010dnosti v\u0161ak nab\u00edz\u00ed \u00fav\u011bry i \u017eadatel\u016fm, kte\u0159\u00ed tuto skute\u010dnost nejsou schopni dolo\u017eit. Jeden p\u0159\u00edklad za v\u0161echny p\u0159edstavuje hypot\u00e9ka bez p\u0159\u00edjmu https:\/\/www.americkahypoteka.cz\/hypoteka-bez-dokladani-prijmu\/. Z\u00e1znamy v registrech dlu\u017en\u00edk\u016fNegativn\u00ed z\u00e1znam v n\u011bkter\u00e9m z registr\u016f m\u016f\u017ee v\u00e9st a\u017e k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br. P\u0159itom se m\u016f\u017ee mnohdy jednat jen o drobnost v podob\u011b pozd\u011b zaplacen\u00e9 faktury za telefon. V takov\u00fdch p\u0159\u00edpadech banka \u017e\u00e1dost o \u00fav\u011br rovnou zam\u00edtne, p\u0159\u00edpadn\u011b ho schv\u00e1l\u00ed, ale s v\u00fdrazn\u011b p\u0159\u00edsn\u011bj\u0161\u00edmi podm\u00ednkami pro \u017eadatele. Nebankovn\u00ed spole\u010dnosti v\u0161ak do registr\u016f dlu\u017en\u00edk\u016f mnohdy v\u016fbec nenahl\u00ed\u017e\u00ed nebo neberou negativn\u00ed z\u00e1znam v potaz a \u00fav\u011br rizikov\u00e9mu \u017eadateli p\u0159esto schv\u00e1l\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"O \u00fav\u011br mohou za\u017e\u00e1dat i tzv. rizikov\u00fd \u017eadatel\u00e9!","item":"https:\/\/www.creates.cz\/o-uver-mohou-zazadat-i-tzv-rizikovy-zadatele\/#breadcrumbitem"}]}]