[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.iremi.cz\/kdy-do-banky-mirite-zbytecne\/#Article","mainEntityOfPage":"https:\/\/www.iremi.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":"Sh\u00e1n\u00edte \u00fav\u011br a p\u0159em\u00fd\u0161l\u00edte, zda v\u00e1m ho banka v\u016fbec poskytne? Banky jsou ve schvalov\u00e1n\u00ed \u00fav\u011br\u016f velmi nekompromisn\u00ed a poskytuj\u00ed \u00fav\u011bry jen solventn\u00edm klient\u016fm, u kter\u00fdch maj\u00ed v\u011bt\u0161\u00ed pravd\u011bpodobnost, \u017ee p\u016fj\u010den\u00e9 pen\u00edze z\u00edskaj\u00ed zp\u011bt. Disponuj\u00ed p\u0159\u00edsn\u00fdmi tabulkami, kter\u00e9 nepovol\u00ed \u017e\u00e1dn\u00e9mu \u017eadateli spadaj\u00edc\u00ed do rizikov\u00e9 skupiny \u00fav\u011br \u010derpat. Existuje hned n\u011bkolik skupin \u017eadatel\u016f, kter\u00fdm banky neradi p\u016fj\u010duj\u00ed. […]","datePublished":"2020-05-17","dateModified":"2023-05-24","author":{"@type":"Person","@id":"https:\/\/www.iremi.cz\/author\/#Person","name":"","url":"https:\/\/www.iremi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"iremi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.iremi.cz\/wp-content\/uploads\/pln%C3%A1%20pen%C4%9B%C5%BEenka_2.jpg","url":"https:\/\/www.iremi.cz\/wp-content\/uploads\/pln%C3%A1%20pen%C4%9B%C5%BEenka_2.jpg","height":0,"width":0},"url":"https:\/\/www.iremi.cz\/kdy-do-banky-mirite-zbytecne\/","about":["Finance"],"wordCount":411,"articleBody":"      Sh\u00e1n\u00edte \u00fav\u011br a p\u0159em\u00fd\u0161l\u00edte, zda v\u00e1m ho banka v\u016fbec poskytne? Banky jsou ve schvalov\u00e1n\u00ed \u00fav\u011br\u016f velmi nekompromisn\u00ed a poskytuj\u00ed \u00fav\u011bry jen solventn\u00edm klient\u016fm, u kter\u00fdch maj\u00ed v\u011bt\u0161\u00ed pravd\u011bpodobnost, \u017ee p\u016fj\u010den\u00e9 pen\u00edze z\u00edskaj\u00ed zp\u011bt. Disponuj\u00ed p\u0159\u00edsn\u00fdmi tabulkami, kter\u00e9 nepovol\u00ed \u017e\u00e1dn\u00e9mu \u017eadateli spadaj\u00edc\u00ed do rizikov\u00e9 skupiny \u00fav\u011br \u010derpat. Existuje hned n\u011bkolik skupin \u017eadatel\u016f, kter\u00fdm banky neradi p\u016fj\u010duj\u00ed. Jak\u00e9 to jsou?\u017dadatel\u00e9 bez pravideln\u00fdch p\u0159\u00edjm\u016fPravideln\u00fd p\u0159\u00edjem je pro schv\u00e1len\u00ed \u00fav\u011bru kl\u00ed\u010dov\u00fd. Pokud nepob\u00edr\u00e1te pravidelnou mzdu nebo \u017eijete z mate\u0159sk\u00e9ho p\u0159\u00edsp\u011bvku a soci\u00e1ln\u00edch d\u00e1vek, do banky se nemus\u00edte ani obt\u011b\u017eovat. Spad\u00e1te toti\u017e do rizikov\u00e9 skupiny \u017eadatel\u016f, u kter\u00fdch je vy\u0161\u0161\u00ed pravd\u011bpodobnost \u0161patn\u00e9 finan\u010dn\u00ed mor\u00e1lky. Banka se toti\u017e zaj\u00edm\u00e1 o bonitu klienta, kter\u00e1 se odv\u00edj\u00ed od pravideln\u00fdch m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f a v\u00fddaj\u016f. Ov\u0161em pro banky se st\u00e1v\u00e1te r\u00e1zem rizikov\u00fdm \u017eadatelem i v p\u0159\u00edpad\u011b zku\u0161ebn\u00ed pracovn\u00ed lh\u016fty. I v tomto p\u0159\u00edpad\u011b p\u0159i sjedn\u00e1n\u00ed \u00fav\u011bru s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed vyho\u0159\u00edte. \u017dadatel\u00e9 se z\u00e1znamem v registru dlu\u017en\u00edk\u016fPokud m\u00e1te negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f, s p\u016fj\u010dkou od banky se m\u016f\u017eete rovnou rozlou\u010dit. Banka si hl\u00edd\u00e1 platebn\u00ed minulost sv\u00fdch \u017eadatel\u016f a v tomto ohledu je opravdu nekompromisn\u00ed. P\u0159itom do registru dlu\u017en\u00edk\u016f m\u016f\u017ee \u017eadatele mnohdy dostat \u00fapln\u00e1 banalita v podob\u011b opo\u017ed\u011bn\u00e9 platby za telefon a rozhodn\u011b neplat\u00ed, \u017ee mus\u00edte dlu\u017eit stovky tis\u00edc korun. \u017dadatel\u00e9, kte\u0159\u00ed pot\u0159ebuj\u00ed pen\u00edze okam\u017eit\u011bSchvalov\u00e1n\u00ed \u00fav\u011bru u bank trv\u00e1 velice dlouho. Je to zkr\u00e1tka zdlouhav\u00fd a n\u00e1ro\u010dn\u00fd proces s nejasn\u00fdm v\u00fdsledkem. Pokud tedy pot\u0159ebuje pen\u00edze okam\u017eit\u011b, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed s v\u00e1mi \u00fa\u0159edn\u00edk vyraz\u00ed dve\u0159e. Nebankovn\u00ed spole\u010dnosti nab\u00edz\u00ed \u0159e\u0161en\u00edPokud neusp\u011bjete v bance, je\u0161t\u011b nemus\u00edte h\u00e1zet flintu do \u017eita. Nebankovn\u00ed spole\u010dnosti nab\u00edz\u00ed celou \u0159adu produkt\u016f, kter\u00e9 jist\u011b uv\u00edt\u00e1te. Spot\u0159ebitelsk\u00e9 \u00fav\u011bry do p\u00e1r minut nebo t\u0159eba hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f rozhodn\u011b stoj\u00ed za pozornost.                                                                                                                                                                                                                                                                                                                                                                                           5\/5 - (6 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.iremi.cz\/kdy-do-banky-mirite-zbytecne\/#breadcrumbitem"}]}]