[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.apdm.cz\/kdyz-pred-vami-banka-zavre-dvere\/#Article","mainEntityOfPage":"https:\/\/www.apdm.cz\/kdyz-pred-vami-banka-zavre-dvere\/","headline":"Kdy\u017e p\u0159ed v\u00e1mi banka zav\u0159e dve\u0159e\u2026.","name":"Kdy\u017e p\u0159ed v\u00e1mi banka zav\u0159e dve\u0159e\u2026.","description":"Dne\u0161n\u00ed doba je velice nevyzpytateln\u00e1, ze dne na den se m\u016f\u017ee doslova ka\u017ed\u00fd dostat do t\u011b\u017ek\u00e9 \u017eivotn\u00ed situace, kdy nen\u00ed schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm. Pokud nepom\u016f\u017ee rodina ani p\u0159\u00e1tel\u00e9, je jedin\u00fdm mo\u017en\u00fdm \u0159e\u0161en\u00edm \u00fav\u011br v bance. Ov\u0161em po novele spot\u0159ebitelsk\u00e9ho z\u00e1kona je schvalov\u00e1n\u00ed jednotliv\u00fdch \u017e\u00e1dost\u00ed o \u00fav\u011br velmi zdlouhav\u00e9 a ne ka\u017ed\u00fd p\u0159\u00edsn\u011b nastaven\u00fdm podm\u00ednk\u00e1m ... <a title=\"Kdy\u017e p\u0159ed v\u00e1mi banka zav\u0159e dve\u0159e\u2026.\" class=\"read-more\" href=\"https:\/\/www.apdm.cz\/kdyz-pred-vami-banka-zavre-dvere\/\">Read more<span class=\"screen-reader-text\">Kdy\u017e p\u0159ed v\u00e1mi banka zav\u0159e dve\u0159e\u2026.<\/span><\/a>","datePublished":"2020-11-23","dateModified":"2020-11-23","author":{"@type":"Person","@id":"https:\/\/www.apdm.cz\/author\/#Person","name":"","url":"https:\/\/www.apdm.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4a857923b487546550539169ba61d16e7910c692fb61fb4681a6882b9bc918c0?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4a857923b487546550539169ba61d16e7910c692fb61fb4681a6882b9bc918c0?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"apdm.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.apdm.cz\/wp-content\/uploads\/uzav%C5%99en%C3%AD%20smlouvy_5.jpg","url":"https:\/\/www.apdm.cz\/wp-content\/uploads\/uzav%C5%99en%C3%AD%20smlouvy_5.jpg","height":0,"width":0},"url":"https:\/\/www.apdm.cz\/kdyz-pred-vami-banka-zavre-dvere\/","about":["Web"],"wordCount":420,"articleBody":"      Dne\u0161n\u00ed doba je velice nevyzpytateln\u00e1, ze dne na den se m\u016f\u017ee doslova ka\u017ed\u00fd dostat do t\u011b\u017ek\u00e9 \u017eivotn\u00ed situace, kdy nen\u00ed schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm. Pokud nepom\u016f\u017ee rodina ani p\u0159\u00e1tel\u00e9, je jedin\u00fdm mo\u017en\u00fdm \u0159e\u0161en\u00edm \u00fav\u011br v bance. Ov\u0161em po novele spot\u0159ebitelsk\u00e9ho z\u00e1kona je schvalov\u00e1n\u00ed jednotliv\u00fdch \u017e\u00e1dost\u00ed o \u00fav\u011br velmi zdlouhav\u00e9 a ne ka\u017ed\u00fd p\u0159\u00edsn\u011b nastaven\u00fdm podm\u00ednk\u00e1m banky dok\u00e1\u017ee vyhov\u011bt. V takov\u00e9m p\u0159\u00edpad\u011b m\u016f\u017ee banka bez ud\u00e1n\u00ed d\u016fvodu \u00fav\u011br zam\u00edtnout a v\u00e1m zbydou jen o\u010di pro pl\u00e1\u010d. Diskvalifika\u010dn\u00edch faktor\u016f m\u016f\u017ee b\u00fdt hned n\u011bkolik, n\u011bkdy se jedn\u00e1 o zd\u00e1nliv\u00e9 ban\u00e1ln\u00ed z\u00e1le\u017eitosti, jindy o n\u011bco podstatn\u011bj\u0161\u00edho. Jak\u00e9 jsou tedy nej\u010dast\u011bj\u0161\u00ed p\u0159\u00ed\u010diny ne\u00fasp\u011bchu p\u0159i \u017e\u00e1dosti o \u00fav\u011br?Pracovn\u00ed smlouvaBanka schv\u00e1l\u00ed \u00fav\u011br jen v p\u0159\u00edpad\u011b, kdy m\u00e1 jistotu, \u017ee \u017eadatel bude schopn\u00fd dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, kter\u00e9 by p\u0159\u00edpadn\u011b uzav\u0159en\u00edm smlouvy k bance m\u011bl. K tomu je pot\u0159eba m\u00edt pracovn\u00ed smlouvu na dobu neur\u010ditou. Pokud m\u00e1te se zam\u011bstnavatelem smlouvu na dobu ur\u010ditou, je\u0161t\u011b nen\u00ed nic ztraceno. Je ale zapot\u0159eb\u00ed, aby doba splatnosti nep\u0159et\u00e1hla dobu, po kterou je pracovn\u00ed smlouva sjedn\u00e1na. Pokud se v\u0161ak \u017eadatel nach\u00e1z\u00ed ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b, banka \u017e\u00e1dost o \u00fav\u011br s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed zam\u00edtne. Z\u00e1znamy v registrechProv\u011b\u0159ov\u00e1n\u00ed v registrech dlu\u017en\u00edk\u016f je u\u017e dnes vcelku standartn\u00ed z\u00e1le\u017eitost\u00ed p\u0159i uzav\u00edr\u00e1n\u00ed z\u00e1vazku u v\u011bt\u0161iny spole\u010dnost\u00ed. Jejich z\u00e1znamy toti\u017e mnohdy o dan\u00e9m klientovi mnoh\u00e9 vypov\u00ed. Nesolventn\u00ed klienti mohou pak na dal\u0161\u00ed p\u016fj\u010dku rovnou zapomenout. S negativn\u00edm z\u00e1znamem v registru dlu\u017en\u00edk\u016f se pak takov\u00fd klient pot\u00fdk\u00e1 i \u0159adu let. V registrech jsou nav\u00edc p\u0159\u00edstupn\u00e9 i dal\u0161\u00ed \u00fadaje, jako je po\u010det \u00fav\u011br\u016f nebo ne\u00fasp\u011b\u0161n\u00e9 \u017e\u00e1dosti o \u00fav\u011br. I kdy\u017e za v\u00e1mi banka nadobro zav\u0159e dve\u0159e, je\u0161t\u011b nen\u00ed pot\u0159eba propadat beznad\u011bji. Nebankovn\u00ed spole\u010dnosti nab\u00edz\u00ed celou \u0159adu v\u00fdhodn\u00fdch spot\u0159ebitelsk\u00fdch i hypote\u010dn\u00edch \u00fav\u011br\u016f. Co t\u0159eba \u0159\u00edk\u00e1te na americkou hypot\u00e9ku?                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy\u017e p\u0159ed v\u00e1mi banka zav\u0159e dve\u0159e\u2026.","item":"https:\/\/www.apdm.cz\/kdyz-pred-vami-banka-zavre-dvere\/#breadcrumbitem"}]}]