[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dusp.cz\/kdyz-vlastni-finance-nestaci\/#Article","mainEntityOfPage":"https:\/\/www.dusp.cz\/kdyz-vlastni-finance-nestaci\/","headline":"Kdy\u017e vlastn\u00ed finance nesta\u010d\u00ed\u2026","name":"Kdy\u017e vlastn\u00ed finance nesta\u010d\u00ed\u2026","description":"Ceny nemovitost\u00ed v n\u011bkter\u00fdch v\u011bt\u0161\u00edch m\u011bstech za posledn\u00ed m\u011bs\u00edce vzrostly i o dvojn\u00e1sobek, podobn\u011b je to i s cenami stavebn\u00edch materi\u00e1l\u016f. Mnoho lid\u00ed se tak uchyluje k jedn\u00e9 jedin\u00e9 my\u0161lence \u2013 hypot\u00e9ce. Ale ani ta nemus\u00ed b\u00fdt v\u017edy \u0159e\u0161en\u00edm probl\u00e9mu. Spole\u010dn\u011b s cenami nemovitost\u00ed banky zp\u0159\u00edsnily n\u011bkter\u00e1 krit\u00e9ria pro schvalov\u00e1n\u00ed \u00fav\u011brov\u00fdch produkt\u016f. Ne ka\u017ed\u00fd tak […]","datePublished":"2021-08-20","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.dusp.cz\/author\/#Person","name":"","url":"https:\/\/www.dusp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dusp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dusp.cz\/wp-content\/uploads\/spole%C4%8Dn%C3%A1%20dohoda_5.jpg","url":"https:\/\/www.dusp.cz\/wp-content\/uploads\/spole%C4%8Dn%C3%A1%20dohoda_5.jpg","height":0,"width":0},"url":"https:\/\/www.dusp.cz\/kdyz-vlastni-finance-nestaci\/","about":["Domov"],"wordCount":410,"articleBody":"          Ceny nemovitost\u00ed v n\u011bkter\u00fdch v\u011bt\u0161\u00edch m\u011bstech za posledn\u00ed m\u011bs\u00edce vzrostly i o dvojn\u00e1sobek, podobn\u011b je to i s cenami stavebn\u00edch materi\u00e1l\u016f. Mnoho lid\u00ed se tak uchyluje k jedn\u00e9 jedin\u00e9 my\u0161lence \u2013 hypot\u00e9ce. Ale ani ta nemus\u00ed b\u00fdt v\u017edy \u0159e\u0161en\u00edm probl\u00e9mu. Spole\u010dn\u011b s cenami nemovitost\u00ed banky zp\u0159\u00edsnily n\u011bkter\u00e1 krit\u00e9ria pro schvalov\u00e1n\u00ed \u00fav\u011brov\u00fdch produkt\u016f. Ne ka\u017ed\u00fd tak m\u016f\u017ee dos\u00e1hnout na \u00fav\u011br, pro kter\u00fd si p\u0159i\u0161el do banky za\u017e\u00e1dat. Neochota? Sp\u00ed\u0161e slo\u017eit\u00e1 legislativa!Mnoho lid\u00ed se myln\u011b domn\u00edv\u00e1, \u017ee za v\u011bt\u0161\u00edm po\u010dtem zam\u00edtnut\u00fdch \u00fav\u011br\u016f stoj\u00ed prim\u00e1rn\u011b neochota bank, ov\u0161em to je omyl! Jde sp\u00ed\u0161e o slo\u017eitou legislativu, kterou nastavila \u010cesk\u00e1 n\u00e1rodn\u00ed banka. Ta p\u0159ikazuje ka\u017ed\u00e9mu poskytovateli \u00fav\u011br\u016f d\u016fkladnou lustraci \u017eadatel\u016f, pokud by tak neu\u010dinily, mohlo by to pro n\u011b znamenat z\u00e1va\u017en\u00e9 d\u016fsledky. Dlu\u017en\u00edk by nad\u00e1le spl\u00e1cel dlu\u017enou \u010d\u00e1stku, ov\u0161em ve\u0161ker\u00e9 \u00faroky by mu byly odpu\u0161t\u011bny. Pokud chce \u017eadatel usp\u011bt s \u017e\u00e1dost\u00ed o \u00fav\u011br, je zapot\u0159eb\u00ed splnit hned n\u011bkolik z\u00e1konem stanoven\u00fdch podm\u00ednek. Ty jsou pov\u011bt\u0161inou stanoveny intern\u00edmi na\u0159\u00edzen\u00edmi spole\u010dnosti, ale i z\u00e1konem o spot\u0159ebitelsk\u00e9m \u00fav\u011bru. Poj\u010fme si te\u010f p\u0159edstavit n\u011bkter\u00e9 z nich. Registr dlu\u017en\u00edk\u016fKa\u017ed\u00fd klient, kter\u00fd m\u00ed\u0159\u00ed do banky s \u00famyslem \u017e\u00e1dosti o \u00fav\u011br, je prov\u011b\u0159ov\u00e1n v registru dlu\u017en\u00edk\u016f. V p\u0159\u00edpad\u011b, kdy je bankovn\u00edm subjektem objeven negativn\u00ed z\u00e1znam, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed dojde k zam\u00edtnut\u00ed takov\u00e9 \u017e\u00e1dosti. Nav\u00edc jsou ve\u0161ker\u00e9 zam\u00edtnut\u00e9 \u017e\u00e1dosti o \u00fav\u011br zaznamen\u00e1v\u00e1ny t\u00e9\u017e v registrech. Pokud jste tedy p\u0159i \u017e\u00e1dosti neusp\u011bly, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed to jinde nebude jin\u00e9. Jinak v\u0161ak funguj\u00ed bankovn\u00ed a jinak nebankovn\u00ed spole\u010dnost\u00ed. Sly\u0161eli jste u\u017e o hypot\u00e9k\u00e1ch bez registru? Jak u\u017e z n\u00e1zvu vypl\u00fdv\u00e1, \u017eadatel\u00e9 nejsou spole\u010dnost\u00ed prov\u011b\u0159ov\u00e1n\u00ed v registrech dlu\u017en\u00edk\u016f. P\u0159\u00edpadn\u011b nen\u00ed negativn\u00ed z\u00e1znam d\u016fvodem k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br. Nebankovn\u00ed spole\u010dnosti tak mnohdy nab\u00edz\u00ed probl\u00e9mov\u00fdm \u017eadatel\u016fm jedinou z\u00e1chranou stanici na cest\u011b p\u0159ed krachem.                                                                                                                                                                                                                                                                                                                                                                                           4.5\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy\u017e vlastn\u00ed finance nesta\u010d\u00ed\u2026","item":"https:\/\/www.dusp.cz\/kdyz-vlastni-finance-nestaci\/#breadcrumbitem"}]}]