[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.blokna.cz\/jake-duvody-vedou-banku-k-zamitnuti-uveru\/#Article","mainEntityOfPage":"https:\/\/www.blokna.cz\/jake-duvody-vedou-banku-k-zamitnuti-uveru\/","headline":"Jak\u00e9 d\u016fvody vedou banku k zam\u00edtnut\u00ed \u00fav\u011bru?","name":"Jak\u00e9 d\u016fvody vedou banku k zam\u00edtnut\u00ed \u00fav\u011bru?","description":"Hypot\u00e9ky v posledn\u00edch letech nab\u00edraj\u00ed na popularit\u011b, ov\u0161em ani v minulosti p\u0159\u00edli\u0161 nezaost\u00e1vali za dal\u0161\u00edmi druhy \u00fav\u011brov\u00fdch produkt\u016f. Nejedn\u00e1 se<span class=\"more-button\"><a href=\"https:\/\/www.blokna.cz\/jake-duvody-vedou-banku-k-zamitnuti-uveru\/\" class=\"more-link\">Pokra\u010dovat ve \u010dten\u00ed<span class=\"screen-reader-text\">Jak\u00e9 d\u016fvody vedou banku k zam\u00edtnut\u00ed \u00fav\u011bru?<\/span><\/a><\/span>","datePublished":"2020-11-16","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.blokna.cz\/author\/#Person","name":"","url":"https:\/\/www.blokna.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/42264ea8f5170010011c6bbf811aa6c31c20ad3acf2a9bd21dca0746ea8c832a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/42264ea8f5170010011c6bbf811aa6c31c20ad3acf2a9bd21dca0746ea8c832a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"blokna.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.blokna.cz\/wp-content\/uploads\/vlastnictv%C3%AD%20domu_1.jpg","url":"https:\/\/www.blokna.cz\/wp-content\/uploads\/vlastnictv%C3%AD%20domu_1.jpg","height":0,"width":0},"url":"https:\/\/www.blokna.cz\/jake-duvody-vedou-banku-k-zamitnuti-uveru\/","about":["Ekonomika"],"wordCount":423,"articleBody":"        Hypot\u00e9ky v posledn\u00edch letech nab\u00edraj\u00ed na popularit\u011b, ov\u0161em ani v minulosti p\u0159\u00edli\u0161 nezaost\u00e1vali za dal\u0161\u00edmi druhy \u00fav\u011brov\u00fdch produkt\u016f. Nejedn\u00e1 se tedy o \u017e\u00e1dnou novinku, ale sp\u00ed\u0161e o st\u00e1le se udr\u017euj\u00edc\u00ed a nem\u011bnn\u00fd stav, kter\u00e9ho si jsou banky dob\u0159e v\u011bdomy. Co tedy d\u011bl\u00e1 hypote\u010dn\u00ed \u00fav\u011bry tak obl\u00edben\u00fdmi?Hypote\u010dn\u00ed \u00fav\u011bry jsou v\u00fdhodn\u00e9 hlavn\u011b d\u00edky sv\u00e9 n\u00edzk\u00e9 \u00farokov\u00e9 sazb\u011b, kter\u00e1 pat\u0159\u00ed nap\u0159\u00ed\u010d nejr\u016fzn\u011bj\u0161\u00edmi \u00fav\u011bry mezi tu nejv\u00fdhodn\u011bj\u0161\u00ed. N\u00edzk\u00e1 \u00farokov\u00e1 sazba je v\u0161ak v n\u011bkter\u00fdch bank\u00e1ch draze vykoupena striktn\u00edmi podm\u00ednky, kter\u00e9 prov\u00e1z\u00ed cel\u00fd \u00fav\u011br. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f se jedn\u00e1 o \u00fa\u010delov\u00e9 \u00fav\u011bry, tud\u00ed\u017e v\u00e1m banka p\u0159\u00edmo nakazuje, na co pen\u00edze z \u00fav\u011bru m\u016f\u017eete \u010derpat. N\u011bkter\u00e9 banky dokonce uvol\u0148uj\u00ed pen\u00edze z hypote\u010dn\u00edho \u00fav\u011bru postupn\u011b dle pr\u016fb\u011bhu stavby. Vyplat\u00ed se vyp\u00edchnout i doba spl\u00e1cen\u00ed, kter\u00e1 se v n\u011bkter\u00fdch p\u0159\u00edpadech dok\u00e1\u017ee vy\u0161plhat a\u017e na 30 let. Co\u017e pro samotn\u00e9ho klienta znamen\u00e1 dostatek \u010dasu na spl\u00e1cen\u00ed. Doba spl\u00e1cen\u00ed je v\u0161ak ovlivn\u011bna i v\u011bkem klienta. Zat\u00edmco ve 20 letech si spl\u00e1cen\u00ed \u00fav\u011br\u016f m\u016f\u017eete nastavit i na n\u011bkolik des\u00edtek let, v 50 u\u017e to tak slavn\u00e9 nebude. V n\u011bkter\u00fdch p\u0159\u00edpadech v\u0161ak m\u016f\u017ee \u017eadatel z banky p\u0159ij\u00edt s nepo\u0159\u00edzenou. Jak je to ale vlastn\u011b mo\u017en\u00e9. Ka\u017ed\u00e1 \u017e\u00e1dost se sice posuzuje individu\u00e1ln\u011b, existuje v\u0161ak cel\u00e1 p\u0159\u00edpad\u016f, kdy banky \u00fav\u011br zkr\u00e1tka zam\u00edtnou. Oni toti\u017e mus\u00ed\u2026Bonita klienta hraje v\u00fdznamnou roli p\u0159i posuzov\u00e1n\u00edUr\u010dit\u011b u\u017e jste se n\u011bkdy v souvislosti s \u017e\u00e1dost\u00ed o \u00fav\u011br, setkali s pojmem bonita klienta. Zkr\u00e1tka pokud chce \u017eadatel z\u00edskat hypot\u00e9ku, mus\u00ed spl\u0148ovat ur\u010dit\u00e9 po\u017eadavky banky, u kter\u00e9 o \u00fav\u011br \u017e\u00e1d\u00e1. V takov\u00e9m p\u0159\u00edpad\u011b si banka mus\u00ed onoho \u017eadatele prov\u011b\u0159it, neboli prov\u011b\u0159it si jeho bonitu. Banku prim\u00e1rn\u011b zaj\u00edm\u00e1, zda je \u017eadatel schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, kter\u00e9 podpisem smlouvy stvrzuje. Ne v\u017edy se v\u0161ak mus\u00edme spolehnout pouze na bankovn\u00ed sektor. Hypot\u00e9ky bez registru Nebankovni-hypoteky-uvery jsou mnohdy jedin\u00fdm \u0159e\u0161en\u00edm pro klientelu, kter\u00e1 v bance z n\u011bjak\u00e9ho d\u016fvodu neusp\u011bla.                                                                                                                                                                                                                                                                                                                                                                                           4.2\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak\u00e9 d\u016fvody vedou banku k zam\u00edtnut\u00ed \u00fav\u011bru?","item":"https:\/\/www.blokna.cz\/jake-duvody-vedou-banku-k-zamitnuti-uveru\/#breadcrumbitem"}]}]