[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.inkano.cz\/vyhodnost-nebankovnich-uveru\/#Article","mainEntityOfPage":"https:\/\/www.inkano.cz\/vyhodnost-nebankovnich-uveru\/","headline":"V\u00fdhodnost nebankovn\u00edch \u00fav\u011br\u016f","name":"V\u00fdhodnost nebankovn\u00edch \u00fav\u011br\u016f","description":"Nebankovn\u00ed \u00fav\u011bry jsou pro mnoh\u00e9 trnem v oku, nebo\u0165 jsou p\u0159edzv\u011bst\u00ed nev\u00fdhodn\u00fdch a mnohdy p\u0159edra\u017een\u00fdch \u00fav\u011brov\u00fdch produkt\u016f. Mo\u017en\u00e1 by ov\u0161em bylo dobr\u00e9 tento m\u00fdtus kone\u010dn\u011b<span class=\"more-button\"><a href=\"https:\/\/www.inkano.cz\/vyhodnost-nebankovnich-uveru\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\">V\u00fdhodnost nebankovn\u00edch \u00fav\u011br\u016f<\/span><\/a><\/a>","datePublished":"2021-09-26","dateModified":"2023-06-06","author":{"@type":"Person","@id":"https:\/\/www.inkano.cz\/author\/#Person","name":"","url":"https:\/\/www.inkano.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/91b1fc57487c55a66a7777af0dd690bf69c571b4a9b15cda0db8854a78b7888c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/91b1fc57487c55a66a7777af0dd690bf69c571b4a9b15cda0db8854a78b7888c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"inkano.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.inkano.cz\/wp-content\/uploads\/m%C4%9Bs%C3%AD%C4%8Dn%C3%AD%20v%C3%BDdaje_6.jpg","url":"https:\/\/www.inkano.cz\/wp-content\/uploads\/m%C4%9Bs%C3%AD%C4%8Dn%C3%AD%20v%C3%BDdaje_6.jpg","height":0,"width":0},"url":"https:\/\/www.inkano.cz\/vyhodnost-nebankovnich-uveru\/","about":["Finance"],"wordCount":376,"articleBody":"      Nebankovn\u00ed \u00fav\u011bry jsou pro mnoh\u00e9 trnem v oku, nebo\u0165 jsou p\u0159edzv\u011bst\u00ed nev\u00fdhodn\u00fdch a mnohdy p\u0159edra\u017een\u00fdch \u00fav\u011brov\u00fdch produkt\u016f. Mo\u017en\u00e1 by ov\u0161em bylo dobr\u00e9 tento m\u00fdtus kone\u010dn\u011b vyvr\u00e1tit a \u0159\u00edct si, \u017ee pro jinou skupinu \u017eadatel\u016f mnohdy znamenaj\u00ed jedinou z\u00e1chranou stanici p\u0159ed krachem. Pro\u010d jsou nebankovn\u00ed spole\u010dnosti st\u00e1le vyhled\u00e1van\u011bj\u0161\u00ed a v jak\u00fdch p\u0159\u00edpadech se pro n\u011b rozhodnout?M\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy\/v\u00fddajeAby bylo mo\u017en\u00e9 \u00fav\u011br plnohodnotn\u011b spl\u00e1cet, je zapot\u0159eb\u00ed pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem. V p\u0159\u00edpad\u011b, kdy \u017eadatel nen\u00ed schopen v\u00fd\u0161i sv\u00fdch p\u0159\u00edjmu nijak dolo\u017eit, je to pro banku jasn\u00fd ukazatel k zam\u00edtnut\u00ed jeho \u017e\u00e1dosti. Pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem nav\u00edc mus\u00ed b\u00fdt dolo\u017een pracovn\u00ed smlouvou na dobu neur\u010ditou, kter\u00e1 zajist\u00ed alespo\u0148 minim\u00e1ln\u00ed z\u00e1ruku ze strany \u017eadatele. V p\u0159\u00edpad\u011b pracovn\u00ed smlouvy na dobu ur\u010ditou, je mo\u017en\u00e9 \u00fav\u011br sjednat jen na dobu, po kter\u00e9 bude trvat pracovn\u00ed smlouva \u017eadatele. Zku\u0161ebn\u00ed \u010di v\u00fdpov\u011bdn\u00ed lh\u016fta je ale pro bankovn\u00ed spole\u010dnosti neakceptovateln\u00e1.Registr dlu\u017en\u00edk\u016fNegativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f je druh\u00fd nej\u010dast\u011bj\u0161\u00ed d\u016fvod, pro kter\u00fd mus\u00ed banka \u017e\u00e1dost zam\u00edtnout. Platebn\u00ed mor\u00e1lka ka\u017ed\u00e9ho z n\u00e1s je pravideln\u011b zaznamen\u00e1v\u00e1na v \u010dty\u0159ech \u010desk\u00fdch registrech, do kter\u00fdch maj\u00ed bankovn\u00ed i nebankovn\u00ed spole\u010dnost\u00ed voln\u00fd p\u0159\u00edstup. Pokud se \u017eadatel n\u011bkdy v minulosti ocitl v situaci, kdy nebyl schopen plnohodnotn\u011b spl\u00e1cet sv\u00e9 z\u00e1vazky, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed v registru budou jeho \u00fadaje figurovat. Pro banku jasn\u00fd d\u016fkaz ned\u016fv\u011bryhodnosti klienta. Jak je tomu ale u nebankovn\u00edch spole\u010dnost\u00ed? Mnoho nebankovn\u00edch spole\u010dnost\u00ed je ke sv\u00fdm \u017eadatel\u016fm benevolentn\u011bj\u0161\u00ed. Do registru bu\u010f v\u016fbec nenahl\u00ed\u017e\u00ed, nebo neberou negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f jako d\u016fvod k zam\u00edtnut\u00ed. Krom toho \u0159ada t\u011bchto nebankovn\u00edch spole\u010dnost\u00ed nenab\u00edz\u00ed pouze rychl\u00e9 spot\u0159ebitelsk\u00e9 \u00fav\u011bry, ale t\u0159eba i ty hypote\u010dn\u00ed. Sly\u0161eli jste u\u017e o nebankovn\u00ed hypot\u00e9ce bez registru?                                                                                                                                                                                                                                                                                                                                                                                           4.7\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V\u00fdhodnost nebankovn\u00edch \u00fav\u011br\u016f","item":"https:\/\/www.inkano.cz\/vyhodnost-nebankovnich-uveru\/#breadcrumbitem"}]}]