[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cmsozzn.cz\/kdy-jdeme-do-banky-zbytecne\/#Article","mainEntityOfPage":"https:\/\/www.cmsozzn.cz\/kdy-jdeme-do-banky-zbytecne\/","headline":"Kdy jdeme do banky zbyte\u010dn\u011b?","name":"Kdy jdeme do banky zbyte\u010dn\u011b?","description":"Banky b\u00fdvaj\u00ed ke sv\u00fdm klient\u016fm nekompromisn\u00ed, na v\u0161e maj\u00ed sv\u00e9 tabulky a grafy a sta\u010d\u00ed, abyste se by\u0165 prstem jedn\u00e9 ruky dot\u00fdkali \u010dern\u00e9 listiny potencion\u00e1ln\u00edch neplati\u010d\u016f a s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed bude va\u0161e cesta do banky \u00fapln\u011b zbyte\u010dn\u00e1. Kdy m\u016f\u017eeme o\u010dek\u00e1vat, \u017ee p\u0159ed n\u00e1mi banka zav\u0159e dve\u0159e a s \u00fav\u011brem rad\u011bji v\u016fbec nepo\u010d\u00edtat? Banky...","datePublished":"2020-07-19","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.cmsozzn.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.cmsozzn.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cmsozzn.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cmsozzn.cz\/wp-content\/uploads\/podpis%20smlouvy_10_2.jpg","url":"https:\/\/www.cmsozzn.cz\/wp-content\/uploads\/podpis%20smlouvy_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.cmsozzn.cz\/kdy-jdeme-do-banky-zbytecne\/","about":["Finance"],"wordCount":412,"articleBody":"       Banky b\u00fdvaj\u00ed ke sv\u00fdm klient\u016fm nekompromisn\u00ed, na v\u0161e maj\u00ed sv\u00e9 tabulky a grafy a sta\u010d\u00ed, abyste se by\u0165 prstem jedn\u00e9 ruky dot\u00fdkali \u010dern\u00e9 listiny potencion\u00e1ln\u00edch neplati\u010d\u016f a s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed bude va\u0161e cesta do banky \u00fapln\u011b zbyte\u010dn\u00e1. Kdy m\u016f\u017eeme o\u010dek\u00e1vat, \u017ee p\u0159ed n\u00e1mi banka zav\u0159e dve\u0159e a s \u00fav\u011brem rad\u011bji v\u016fbec nepo\u010d\u00edtat?Banky maj\u00ed u\u017e p\u0159edem vytipovan\u00e9 ur\u010dit\u00e9 okolnosti, za kter\u00fdch klient\u016fm p\u016fj\u010dky zkr\u00e1tka nenab\u00edz\u00ed, spadaj\u00ed toti\u017e do skupiny rizikov\u00fdch klient\u016f. D\u016fvod\u016f je cel\u00e1 \u0159ada: n\u00edzk\u00fd p\u0159\u00edjem, zanesen\u00ed v registru dlu\u017en\u00edk\u016f, \u0161patn\u00e1 platebn\u00ed mor\u00e1lka. Bankovn\u00ed spole\u010dnosti se v\u017edy sna\u017e\u00ed s potencion\u00e1ln\u00edm klientem naj\u00edt spole\u010dnou cestu, ale tento p\u0159\u00edstup plat\u00ed jen pro ty vyvolen\u00e9. Pokud \u017e\u00e1d\u00e1te o p\u016fj\u010dku a nem\u00e1te \u017e\u00e1dn\u00fd dolo\u017eiteln\u00fd p\u0159\u00edjem, u banky zcela ur\u010dit\u011b nepochod\u00edte. Na trhu u\u017e existuj\u00ed samoz\u0159ejm\u011b i produkty, u kter\u00fdch nemus\u00ed deklarovat v\u00fd\u0161i p\u0159\u00edjmu, ty ale v bankovn\u00ed sf\u00e9\u0159e budete hledat jen t\u011b\u017eko. Americk\u00e1 hypot\u00e9ka bez registru nebo rychl\u00e9 p\u016fj\u010dky do p\u00e1r minut jsou ot\u00e1zkou sp\u00ed\u0161e nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 c\u00edl\u00ed pr\u00e1v\u011b na klienty, kter\u00fdm z jak\u00e9hokoliv d\u016fvodu byla p\u016fj\u010dka v bance zam\u00edtnuta. Pokud jsou p\u0159\u00edjmy nepravideln\u00e9 nebo v r\u00e1mci soci\u00e1ln\u00edch d\u00e1vek, pak s v\u00e1mi banka nebude ztr\u00e1cet \u010das. Nepochod\u00edte ani v p\u0159\u00edpad\u011b, kdy sice pracujete, ale zat\u00edm jenom ve zku\u0161ebn\u00ed dob\u011b, i v tomto p\u0159\u00edpad\u011b to bude velk\u00fd probl\u00e9m. Ka\u017ed\u00e1 banka si vytipov\u00e1v\u00e1 rizikov\u00e9 \u017eadatele, kam spadaj\u00ed rodi\u010de samo\u017eivitel\u00e9, maminky na mate\u0159sk\u00e9 dovolen\u00e9, studenti nebo d\u016fchodci. Banka v takov\u00e9m p\u0159\u00edpad\u011b p\u0159edpokl\u00e1d\u00e1, \u017ee \u017eadatel m\u016f\u017ee m\u00edt v\u011bt\u0161\u00ed probl\u00e9my spl\u00e1cet, m\u00e1 \u0161patnou v\u00fdchoz\u00ed pozici a pro banku je v takov\u00e9m p\u0159\u00edpad\u011b nesolventn\u00ed klient. Pokud tedy m\u00ed\u0159\u00edte do banky za \u00fa\u010delem sjedn\u00e1n\u00ed \u00fav\u011bru a pat\u0159\u00edte do n\u011bkter\u00e9 z t\u011bchto skupin, cesta je zbyte\u010dn\u00e1. Podobn\u00e1 situace bude n\u00e1sledovat i v p\u0159\u00edpad\u011b, kdy va\u0161e osoba figuruje v n\u011bkter\u00e9m z registru dlu\u017en\u00edk\u016f, na p\u016fj\u010dku z banky budete \u010dekat marn\u011b.                                                                                                                                                                                                                                                                                                                                                                                           3.9\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy jdeme do banky zbyte\u010dn\u011b?","item":"https:\/\/www.cmsozzn.cz\/kdy-jdeme-do-banky-zbytecne\/#breadcrumbitem"}]}]