[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.krahor.cz\/proc-se-radeji-vyhnout-bance\/#Article","mainEntityOfPage":"https:\/\/www.krahor.cz\/proc-se-radeji-vyhnout-bance\/","headline":"Pro\u010d se rad\u011bji vyhnout bance?","name":"Pro\u010d se rad\u011bji vyhnout bance?","description":"Kdy\u017e v dne\u0161n\u00ed dob\u011b n\u011bkdo chce nebo vysloven\u011b pot\u0159ebuje p\u016fj\u010dit pen\u00edze, mus\u00ed se sm\u00ed\u0159it nejednou i s t\u00edm, \u017ee nejenom bude spl\u00e1cet krom\u011b jistiny i \u00faroky, poplatky za veden\u00ed \u00fa\u010dtu a kdo v\u00ed jak\u00e9 je\u0161t\u011b jin\u00e9 poplatky, ale nav\u00edc se bude muset i tu v\u00edce a tu m\u00e9n\u011b \u201eobna\u017eovat\u201c. \u010c\u00edm\u017e nemysl\u00edm, \u017ee by si m\u011bl...","datePublished":"2019-02-08","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.krahor.cz\/author\/#Person","name":"","url":"https:\/\/www.krahor.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/69bd9b72104e3ccfb6214cbd23cb226f96c6ecf33a2a351fa1d4682235118df3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/69bd9b72104e3ccfb6214cbd23cb226f96c6ecf33a2a351fa1d4682235118df3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"krahor.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.krahor.cz\/wp-content\/uploads\/img_a335808_w2553_t1549026024.png","url":"https:\/\/www.krahor.cz\/wp-content\/uploads\/img_a335808_w2553_t1549026024.png","height":0,"width":0},"url":"https:\/\/www.krahor.cz\/proc-se-radeji-vyhnout-bance\/","about":["Finance"],"wordCount":483,"articleBody":"Kdy\u017e v dne\u0161n\u00ed dob\u011b n\u011bkdo chce nebo vysloven\u011b pot\u0159ebuje p\u016fj\u010dit pen\u00edze, mus\u00ed se sm\u00ed\u0159it nejednou i s t\u00edm, \u017ee nejenom bude spl\u00e1cet krom\u011b jistiny i \u00faroky, poplatky za veden\u00ed \u00fa\u010dtu a kdo v\u00ed jak\u00e9 je\u0161t\u011b jin\u00e9 poplatky, ale nav\u00edc se bude muset i tu v\u00edce a tu m\u00e9n\u011b \u201eobna\u017eovat\u201c. \u010c\u00edm\u017e nemysl\u00edm, \u017ee by si m\u011bl n\u011bkde ve finan\u010dn\u00ed instituci stahovat tren\u00fdrky, ale \u017ee tam na sebe mus\u00ed vyzradit spoustu v\u0161emo\u017en\u00fdch \u00fadaj\u016f.
 Zejm\u00e9na banky toho cht\u011bj\u00ed o \u017eadateli o p\u0159\u00edpadnou p\u016fj\u010dku v\u011bd\u011bt moc a moc. Cht\u011bj\u00ed v\u011bd\u011bt t\u0159eba i to,
 – kolik pen\u011bz doty\u010dn\u00fd \u010dlov\u011bk vyd\u011bl\u00e1v\u00e1
 – jak\u00fd typ pracovn\u00ed smlouvy m\u00e1
 – jak dlouho u\u017e ve sv\u00e9m zam\u011bstn\u00e1n\u00ed vydr\u017eel
 – jak \u010dasto b\u00fdv\u00e1 na nemocensk\u00e9
 – kolik mu je let
 – jak\u00e9 jsou jeho rodinn\u00e9 pom\u011bry
 – kolik m\u00e1 na krku nezaopat\u0159en\u00fdch d\u011bt\u00ed
 – zda je o doty\u010dn\u00e9m n\u011bjak\u00e1 zm\u00ednka v registru dlu\u017en\u00edk\u016f.
 Banky prost\u011b nejednou kladou . Tedy nikoliv a\u017e tak zbyte\u010dn\u00fdch ot\u00e1zek, proto\u017ee se s pomoc\u00ed t\u011bchto cht\u011bj\u00ed dobrat, nakolik je \u017eadatel o p\u016fj\u010dku tuto schopen spl\u00e1cet, nakolik mu lze d\u016fv\u011b\u0159ovat, \u017ee dostoj\u00ed sv\u00fdm z\u00e1vazk\u016fm, ale prost\u011b ot\u00e1zek, jich\u017e \u017eadateli p\u0159ipad\u00e1 p\u0159\u00edli\u0161 mnoho a jsou mu nejednou i dost nep\u0159\u00edjemn\u00e9. Na nejednu z nich se mu nechce odpov\u00eddat, proto\u017ee mu p\u0159ipad\u00e1 p\u0159ece jenom dost intimn\u00ed, na nejednu se odpov\u00eddat zdr\u00e1h\u00e1, proto\u017ee m\u00e1 pocit, \u017ee kdy\u017e odpov\u00ed pravdu, nebude mu vyhov\u011bno, a kdy\u017e zal\u017ee, p\u0159ijde se na to.
 Mus\u00edme prost\u011b konstatovat, \u017ee banky kladou zbyte\u010dn\u00e9 spousty ot\u00e1zek. To aby zjistily bonitu toho kter\u00e9ho \u017eadatele. Bonitu alias mo\u017enost \u010di schopnost spl\u00e1cet poskytnut\u00fd \u00fav\u011br \u010di jeho d\u016fv\u011bryhodnost.
 Banky jsou prost\u011b zv\u011bdav\u00e9. A to natolik, \u017ee nejednou odrad\u00ed \u017eadatele o p\u016fj\u010dku je\u0161t\u011b d\u0159\u00edve, ne\u017e se tento k pod\u00e1n\u00ed n\u011bjak\u00e9 \u017e\u00e1dosti v\u016fbec odhodl\u00e1. Proto\u017ee se spoust\u011b lid\u00ed na podobn\u00e9 hory ot\u00e1zek odpov\u00eddat nechce, p\u0159ipad\u00e1 jim to jako p\u0159\u00edli\u0161 velk\u00fd z\u00e1sah do soukrom\u00ed. Jen\u017ee vyhnout se tomu ned\u00e1, proto\u017ee tak u\u017e to maj\u00ed v bank\u00e1ch nastaven\u00e9, nikdo z jejich zam\u011bstnanc\u016f nem\u016f\u017ee p\u0159imhou\u0159it oko.
 A to je pr\u00e1v\u011b d\u016fvod, pro\u010d se mnoz\u00ed lid\u00e9 obracej\u00ed se \u017e\u00e1dost\u00ed o p\u016fj\u010dku rad\u011bji rovnou na nebankovn\u00ed spole\u010dnosti. Proto\u017ee ty se v soukrom\u00ed \u017eadatel\u016f ani zdaleka tak moc nevrtaj\u00ed. A u\u017e v\u016fbec se nep\u00edd\u00ed po informac\u00edch t\u0159eba i u jeho zam\u011bstnavatele, jak banky nejednou \u010din\u00ed r\u00e1dy.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d se rad\u011bji vyhnout bance?","item":"https:\/\/www.krahor.cz\/proc-se-radeji-vyhnout-bance\/#breadcrumbitem"}]}]