[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rep-checa.cz\/hypoteka-i-pro-rizikove-zadatele\/#Article","mainEntityOfPage":"https:\/\/www.rep-checa.cz\/hypoteka-i-pro-rizikove-zadatele\/","headline":"Hypot\u00e9ka i pro rizikov\u00e9 \u017eadatele","name":"Hypot\u00e9ka i pro rizikov\u00e9 \u017eadatele","description":"Banky postupuj\u00ed v p\u0159\u00edpad\u011b posuzov\u00e1n\u00ed \u017e\u00e1dost\u00ed o \u00fav\u011br rozd\u00edln\u011b. Podstatn\u00e9 je pro n\u011b ale to, jak\u00fdm zp\u016fsobem se v\u00e1m da\u0159ilo spl\u00e1cet sv\u00e9 z\u00e1vazky v minulosti a zda v\u00e1m va\u0161e aktu\u00e1ln\u00ed situace dovoluje spl\u00e1cet \u00fav\u011br bez v\u011bt\u0161\u00edch probl\u00e9m\u016f. \u017dadatel\u00e9 se mohou ocitnout v situac\u00edch, kdy m\u016f\u017ee b\u00fdt velmi n\u00e1ro\u010dn\u011b v \u017e\u00e1dosti o \u00fav\u011br v bance usp\u011bt, […]","datePublished":"2022-01-17","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.rep-checa.cz\/author\/#Person","name":"","url":"https:\/\/www.rep-checa.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7b822bed19dfbc78d1cf42b3649cc2489d12c54b7aef64ae719c01ed9f13d563?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7b822bed19dfbc78d1cf42b3649cc2489d12c54b7aef64ae719c01ed9f13d563?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rep-checa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rep-checa.cz\/wp-content\/uploads\/pexels-rodnae-productions-8292884_1.jpg","url":"https:\/\/www.rep-checa.cz\/wp-content\/uploads\/pexels-rodnae-productions-8292884_1.jpg","height":0,"width":0},"url":"https:\/\/www.rep-checa.cz\/hypoteka-i-pro-rizikove-zadatele\/","about":["Ekonomika"],"wordCount":407,"articleBody":"   Banky postupuj\u00ed v p\u0159\u00edpad\u011b posuzov\u00e1n\u00ed \u017e\u00e1dost\u00ed o \u00fav\u011br rozd\u00edln\u011b. Podstatn\u00e9 je pro n\u011b ale to, jak\u00fdm zp\u016fsobem se v\u00e1m da\u0159ilo spl\u00e1cet sv\u00e9 z\u00e1vazky v minulosti a zda v\u00e1m va\u0161e aktu\u00e1ln\u00ed situace dovoluje spl\u00e1cet \u00fav\u011br bez v\u011bt\u0161\u00edch probl\u00e9m\u016f. \u017dadatel\u00e9 se mohou ocitnout v situac\u00edch, kdy m\u016f\u017ee b\u00fdt velmi n\u00e1ro\u010dn\u011b v \u017e\u00e1dosti o \u00fav\u011br v bance usp\u011bt, kter\u00e9 to jsou? \u0160patn\u011b odhadnut\u00e9 mo\u017enosti Bonita klienta je pro v\u011b\u0159itele velmi d\u016fle\u017eit\u00e1, jedn\u00e1 se v podstat\u011b o jakousi schopnost \u017eadatel spl\u00e1cet a ovliv\u0148uje j\u00ed hned n\u011bkolik faktor\u016f. Banky nejv\u00edce zaj\u00edm\u00e1 v\u00fd\u0161e sou\u010dasn\u00fdch \u00fav\u011br\u016f, po\u010det nezaopat\u0159en\u00fdch d\u011bt\u00ed, nezbytn\u00e9 v\u00fddaje, \u010di dolo\u017eiteln\u00e9 p\u0159\u00edjmy. V\u00fd\u0161i p\u016fj\u010dky pak ovliv\u0148uje t\u0159eba i fakt, zda bydl\u00edte v dom\u00e1cnosti sami \u010di s partnerem. Banky na ka\u017ed\u00e9ho \u017eadatele pohl\u00ed\u017e\u00ed individu\u00e1ln\u011b, zohled\u0148uj\u00ed jeho p\u0159\u00edjmy a sna\u017e\u00ed se p\u016fj\u010dku nastavit tak, aby se b\u011bhem spl\u00e1cen\u00ed nedostal do finan\u010dn\u00edch probl\u00e9m\u016f. To bank\u00e1m mimo jin\u00e9 p\u0159\u00edmo stanovuje z\u00e1kon a \u010cesk\u00e1 n\u00e1rodn\u00ed banka. Z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru p\u0159esn\u011b definuje, za jak\u00fdch podm\u00ednek m\u016f\u017ee b\u00fdt \u00fav\u011br schv\u00e1len. Banky nav\u00edc posuzuj\u00ed \u017eadatele i na z\u00e1klad\u011b intern\u00edch krit\u00e9ri\u00ed, kter\u00e9 se mohou nap\u0159\u00ed\u010d bankami odli\u0161ovat. Pokud tedy klient p\u0159ijde do banky s nere\u00e1ln\u00fdm po\u017eadavkem, banka \u017e\u00e1dost o \u00fav\u011br zam\u00edtne, p\u0159\u00edpadn\u011b nab\u00eddne re\u00e1ln\u011bj\u0161\u00ed nab\u00eddku. Vst\u0159\u00edcnost nebankovn\u00edch spole\u010dnost\u00edI z tohoto d\u016fvodu se st\u00e1le \u010dast\u011bji za\u010d\u00ednaj\u00ed oz\u00fdvat nebankovn\u00ed spole\u010dnosti, kter\u00e9 nab\u00edz\u00ed \u00fav\u011bry i \u017eadatel\u016fm, kte\u0159\u00ed by v bance nepochodili. Jejich klienty jsou nap\u0159\u00edklad ti, kte\u0159\u00ed pro\u0161li insolven\u010dn\u00edm \u0159\u00edzen\u00ed a tud\u00ed\u017e jim \u017e\u00e1dn\u00e1 bankovn\u00ed spole\u010dnost n\u011bkolik let \u017e\u00e1dn\u00fd \u00fav\u011br neposkytne. Pro n\u011b zkr\u00e1tka p\u0159edstavuj\u00ed takov\u00fd \u017eadatel\u00e9 a\u017e p\u0159\u00edli\u0161 velk\u00e9 riziko. Sly\u0161eli jste ale u\u017e o hypot\u00e9ce po insolvenci, kterou n\u011bkter\u00e9 nebankovn\u00ed spole\u010dnosti nab\u00edz\u00ed? D\u00edky n\u00ed tak mohou na vlastn\u00ed bydlen\u00ed dos\u00e1hnout i tac\u00ed, kte\u0159\u00ed by jinak u bankovn\u00edch instituc\u00ed jen velmi t\u011b\u017eko pochodili.                                                                                                                                                                                                                                                                                                                                                                                           3.6\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka i pro rizikov\u00e9 \u017eadatele","item":"https:\/\/www.rep-checa.cz\/hypoteka-i-pro-rizikove-zadatele\/#breadcrumbitem"}]}]