[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ziris.cz\/jak-vyzrat-na-bankovni-pujcku\/#Article","mainEntityOfPage":"https:\/\/www.ziris.cz\/jak-vyzrat-na-bankovni-pujcku\/","headline":"Jak vyzr\u00e1t na bankovn\u00ed p\u016fj\u010dku?","name":"Jak vyzr\u00e1t na bankovn\u00ed p\u016fj\u010dku?","description":"V sou\u010dasn\u00e9 dob\u011b p\u0159ib\u00fdv\u00e1 po\u010det zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed o \u00fav\u011brov\u00e9 produkty, m\u016f\u017ee za to i skute\u010dnost, \u017ee se \u010cesk\u00e1 republika dlouhodob\u011b pot\u00fdkala s koronavirovou pandemi\u00ed. Ta ovlivnila do zna\u010dn\u00e9 m\u00edry \u017eivoty mnoha lid\u00ed a ve v\u011bt\u0161in\u011b odv\u011btv\u00ed slu\u017eeb na n\u011bkolik m\u011bs\u00edc\u016f zcela zastavila jak\u00e9koliv p\u0159\u00edjmy. I z tohoto d\u016fvodu lid\u00e9 \u010dasto p\u0159em\u00fd\u0161leli o \u00fav\u011bru, ov\u0161em nedok\u00e1zali","datePublished":"2021-07-14","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.ziris.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.ziris.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a6945111a6684c356ffa2edea93eeeab9450e38d2439d8ecd0a625f734db9218?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a6945111a6684c356ffa2edea93eeeab9450e38d2439d8ecd0a625f734db9218?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ziris.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ziris.cz\/wp-content\/uploads\/p%C5%99ed%C3%A1n%C3%AD%20pen%C4%9Bz_3.jpg","url":"https:\/\/www.ziris.cz\/wp-content\/uploads\/p%C5%99ed%C3%A1n%C3%AD%20pen%C4%9Bz_3.jpg","height":0,"width":0},"url":"https:\/\/www.ziris.cz\/jak-vyzrat-na-bankovni-pujcku\/","about":["Podnik\u00e1n\u00ed"],"wordCount":409,"articleBody":"       V sou\u010dasn\u00e9 dob\u011b p\u0159ib\u00fdv\u00e1 po\u010det zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed o \u00fav\u011brov\u00e9 produkty, m\u016f\u017ee za to i skute\u010dnost, \u017ee se \u010cesk\u00e1 republika dlouhodob\u011b pot\u00fdkala s koronavirovou pandemi\u00ed. Ta ovlivnila do zna\u010dn\u00e9 m\u00edry \u017eivoty mnoha lid\u00ed a ve v\u011bt\u0161in\u011b odv\u011btv\u00ed slu\u017eeb na n\u011bkolik m\u011bs\u00edc\u016f zcela zastavila jak\u00e9koliv p\u0159\u00edjmy. I z tohoto d\u016fvodu lid\u00e9 \u010dasto p\u0159em\u00fd\u0161leli o \u00fav\u011bru, ov\u0161em nedok\u00e1zali splnit podm\u00ednky, kter\u00e9 jim banka ukl\u00e1dala. Pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem, platebn\u00ed mor\u00e1lka nebo t\u0159eba jenom dal\u0161\u00ed z\u00e1vazky. D\u016fvod\u016f k zam\u00edtnut\u00ed \u00fav\u011bru je spousta. Ta zam\u00edtnut\u00edm ze strany banky je v\u0161ak zapot\u0159eb\u00ed hledat sp\u00ed\u0161e slo\u017eitou legislativu, ne\u017e neochotu bank p\u016fj\u010dovat. Nav\u00edc \u010cNB v\u0161em bankovn\u00edm i nebankovn\u00edm poskytovatel\u016fm d\u00e1v\u00e1 za povinnost d\u016fkladnou lustraci ka\u017ed\u00e9ho \u017eadatele. Pokud by tak nebylo u\u010din\u011bno, m\u016f\u017ee dlu\u017en\u00edk n\u00e1sledn\u011b cel\u00fd \u00fav\u011br napadnout pro jeho neplatnost. V p\u0159\u00edpad\u011b, \u017ee by mu bylo vyhov\u011bno, by nad\u00e1le spl\u00e1cel dlu\u017enou \u010d\u00e1stku bez \u00farok\u016f dle sv\u00fdch finan\u010dn\u00edch mo\u017enost\u00ed.M\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjemPravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem je pro banku nesm\u00edrn\u011b d\u016fle\u017eit\u00fd. Na internetu je mnoho chytr\u00fdch pomocn\u00edk\u016f, kter\u00e9 v\u00e1m mohou velmi rychle vypo\u010d\u00edtat m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky u konkr\u00e9tn\u00edho \u00fav\u011brov\u00e9ho produktu po vypln\u011bn\u00ed n\u011bkter\u00fdch informac\u00ed. Za zm\u00ednku stoj\u00ed ale tak\u00e9 kalkula\u010dka \u010dist\u00e9 mzdy, kter\u00e1 se po zru\u0161en\u00ed superhrub\u00e9 mzdy bude jist\u011b hodit. Mezi kl\u00ed\u010dov\u00e9 faktory schvalov\u00e1n\u00ed \u00fav\u011br\u016f pat\u0159\u00ed tzv. bilance \u017eadatele. Kter\u00e1 je ovliv\u0148ov\u00e1na v\u011bkem, m\u011bs\u00ed\u010dn\u00edmi p\u0159\u00edjmy a v\u00fddaji, z\u00e1znamy v registrech, dal\u0161\u00edmi pohled\u00e1vky atd. Je proto vcelku pochopiteln\u00e9, \u017ee m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy jsou pro banku velmi d\u016fle\u017eit\u00e9. Spl\u00e1tky \u00fav\u011bru by m\u011bly tvo\u0159it maxim\u00e1ln\u011b 50% m\u011bs\u00ed\u010dn\u00edho rozpo\u010dtu dom\u00e1cnosti. Registry dlu\u017en\u00edk\u016fAbychom byly pro banku d\u016fv\u011bryhodn\u00fdmi \u017eadateli, je zapot\u0159eb\u00ed m\u00edt dobrou platebn\u00ed mor\u00e1lku. Ta je pravideln\u011b zaznamen\u00e1v\u00e1na v registrech dlu\u017en\u00edk\u016f. U n\u00e1s m\u00e1me v sou\u010dasnosti t\u0159i nejzn\u00e1m\u011bj\u0161\u00ed \u2013 SOLUS, BRKI, NRKI.                                                                                                                                                                                                                                                                                                                                                                                           4.1\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak vyzr\u00e1t na bankovn\u00ed p\u016fj\u010dku?","item":"https:\/\/www.ziris.cz\/jak-vyzrat-na-bankovni-pujcku\/#breadcrumbitem"}]}]