[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.fundlacek.cz\/kdy-do-banky-mirite-zbytecne\/#Article","mainEntityOfPage":"https:\/\/www.fundlacek.cz\/kdy-do-banky-mirite-zbytecne\/","headline":"Kdy do banky m\u00ed\u0159\u00edte zbyte\u010dn\u011b?","name":"Kdy do banky m\u00ed\u0159\u00edte zbyte\u010dn\u011b?","description":"Na\u0161e banka by tu m\u011bla b\u00fdt pro n\u00e1s v p\u0159\u00edpad\u011b jak\u00e9hokoliv finan\u010dn\u00edho probl\u00e9mu. Jen\u017ee u\u017e d\u00e1vno neplat\u00ed, \u017ee banka n\u00e1m pod\u00e1 pomocnou ruku, kdykoliv j\u00ed pot\u0159ebujeme. Pokud si chceme splnit sen o vlastn\u00edm bydlen\u00ed nebo nov\u00e9 auto, bez hypot\u00e9ky se n\u00e1m to ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f nepo\u0161t\u011bst\u00ed. Pr\u00e1v\u011b pro takov\u00e9 p\u0159\u00edpady je tu banka, kter\u00e1 sv\u00fdm…","datePublished":"2020-08-11","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.fundlacek.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.fundlacek.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4faace62981be50719be6a25151192978e6d585737a520836dcb98934de3bb45?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4faace62981be50719be6a25151192978e6d585737a520836dcb98934de3bb45?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"fundlacek.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.fundlacek.cz\/wp-content\/uploads\/po%C4%8D%C3%ADt%C3%A1n%C3%AD%20pen%C4%9Bz_4.jpg","url":"https:\/\/www.fundlacek.cz\/wp-content\/uploads\/po%C4%8D%C3%ADt%C3%A1n%C3%AD%20pen%C4%9Bz_4.jpg","height":0,"width":0},"url":"https:\/\/www.fundlacek.cz\/kdy-do-banky-mirite-zbytecne\/","about":["Ekonomika"],"wordCount":434,"articleBody":"      Na\u0161e banka by tu m\u011bla b\u00fdt pro n\u00e1s v p\u0159\u00edpad\u011b jak\u00e9hokoliv finan\u010dn\u00edho probl\u00e9mu. Jen\u017ee u\u017e d\u00e1vno neplat\u00ed, \u017ee banka n\u00e1m pod\u00e1 pomocnou ruku, kdykoliv j\u00ed pot\u0159ebujeme. Pokud si chceme splnit sen o vlastn\u00edm bydlen\u00ed nebo nov\u00e9 auto, bez hypot\u00e9ky se n\u00e1m to ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f nepo\u0161t\u011bst\u00ed. Pr\u00e1v\u011b pro takov\u00e9 p\u0159\u00edpady je tu banka, kter\u00e1 sv\u00fdm klient\u016fm dok\u00e1\u017ee nab\u00eddnout \u00fav\u011brov\u00e9 produkty na m\u00edru. Jen\u017ee jak u\u017e je n\u00e1m jist\u011b zn\u00e1mo, i banky maj\u00ed sv\u00e9 ale\u2026Striktn\u011b nastaven\u00e9 tabulky n\u011bkter\u00fdch bank jsou pro n\u011bkter\u00e9 klienty opravdu nemilosrdn\u00e9 a tak se m\u016f\u017ee st\u00e1t, \u017ee i p\u0159es ve\u0161kerou snahu nakonec \u017e\u00e1dost o \u00fav\u011br banka zam\u00edtne. V n\u011bkter\u00fdch p\u0159\u00edpadech p\u0159itom m\u016f\u017eou b\u00fdt d\u016fvody pro zam\u00edtnut\u00ed \u00fasm\u011bvn\u00e9, jen\u017ee pro banku jste v tu chv\u00edli rizikov\u00fd \u017eadatel a tolik pot\u0159ebn\u00fd \u00fav\u011br v\u00e1m zkr\u00e1tka nenab\u00eddne. Jsou ale p\u0159edem dan\u00e9 situace, na z\u00e1klad\u011b kter\u00fdch nepochod\u00edte u \u017e\u00e1dn\u00e9 banky. V\u00edte, kter\u00e9 to jsou?Nepravideln\u00fd nebo dolo\u017eiteln\u00fd p\u0159\u00edjemNem\u016f\u017ee nebo nechcete dolo\u017eit m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem sv\u00e9 bance? V takov\u00e9m p\u0159\u00edpad\u011b s v\u00e1mi banka nebude ztr\u00e1cet \u010das! Maminky na mate\u0159sk\u00e9 dovolen\u00e9, studenti nebo zam\u011bstnanci ve zku\u0161ebn\u00ed dob\u011b, v\u0161em t\u011bmto \u017eadatel\u016fm banka \u00fav\u011br zam\u00edtne, jeliko\u017e p\u0159edstavuj\u00ed p\u0159\u00edli\u0161 velk\u00e9 riziko. Banky toti\u017e vych\u00e1zej\u00ed z tzv. bonity klienta, kter\u00e1 se stanovuje podle p\u0159\u00edjm\u016f a v\u00fddaj\u016f \u017eadatele.Registr dlu\u017en\u00edk\u016fDal\u0161\u00ed \u010dast\u00fd probl\u00e9m, pro\u010d \u0159ada \u017eadatel\u016f nakonec t\u00ed\u017een\u00fd \u00fav\u011br nez\u00edsk\u00e1. Sta\u010d\u00ed jeden jedin\u00fd proh\u0159e\u0161ek p\u0159i placen\u00ed sv\u00fdch \u00fa\u010dt\u016f a r\u00e1zem se m\u016f\u017ee v registru dlu\u017en\u00edk\u016f objevit negativn\u00ed z\u00e1znam pod va\u0161\u00edm jm\u00e9nem. Je jedno, \u017ee jste tento finan\u010dn\u00ed proh\u0159e\u0161ek u\u017e d\u00e1vno napravili, z\u00e1znamy z\u016fst\u00e1vaj\u00ed v registru dlu\u017en\u00edk\u016f i n\u011bkolik let. V p\u0159\u00edpad\u011b insolvence je to dokonce cel\u00fdch p\u011bt let.\u0158e\u0161en\u00ed existuje!S \u0159e\u0161en\u00edm p\u0159i\u0161ly nebankovn\u00ed spole\u010dnosti, kter\u00e9 \u010dekaj\u00ed na klienty, kter\u00fdm byl \u00fav\u011br v bance zam\u00edtnut s otev\u0159enou n\u00e1ru\u010d\u00ed. Americk\u00e1 nebankovn\u00ed hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu je skv\u011blou mo\u017enost\u00ed, jak nakonec vytou\u017een\u00e9 pen\u00edze p\u0159eci jenom z\u00edskat.                                                                                                                                                                                                                                                                                                                                                                                          4.1\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy do banky m\u00ed\u0159\u00edte zbyte\u010dn\u011b?","item":"https:\/\/www.fundlacek.cz\/kdy-do-banky-mirite-zbytecne\/#breadcrumbitem"}]}]