{"id":2045,"date":"2019-12-13T20:15:02","date_gmt":"2019-12-13T19:15:02","guid":{"rendered":"http:\/\/mskarydkova.cz\/new\/?p=2045"},"modified":"2020-02-05T19:05:33","modified_gmt":"2020-02-05T18:05:33","slug":"bankovni-a-nebankovni-registry-k-cemu-slouzi","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/bankovni-a-nebankovni-registry-k-cemu-slouzi\/","title":{"rendered":"Bankovn\u00ed a nebankovn\u00ed registry- k \u010demu slou\u017e\u00ed?"},"content":{"rendered":"\n

Co jsou registry BRKI a NRKI a jak\u00e9 z\u00e1znamy jsou v t\u011bchto registrech evidov\u00e1ny?<\/h3>\n\n\n\n

Bankovn\u00ed (BRKI)<\/strong> a Nebankovn\u00ed (NRKI)<\/strong> registr klientsk\u00fdch informac\u00ed<\/strong>\n jsou velmi dob\u0159e zabezpe\u010den\u00e9 datab\u00e1ze informac\u00ed o klientech finan\u010dn\u00edch \ninstituc\u00ed, kte\u0159\u00ed se v\u016f\u010di nim n\u011bjak\u00fdm zp\u016fsobem zadlu\u017eili. D\u00edky \nregistr\u016fm mohou banky i nebankovn\u00ed finan\u010dn\u00ed instituce p\u0159i \u017e\u00e1dosti o \nposkytnut\u00ed finan\u010dn\u00edch prost\u0159edk\u016f o sv\u00e9m potenci\u00e1ln\u00edm z\u00e1kazn\u00edkovi jistit \nv\u00fd\u0161i jeho z\u00e1vazk\u016f a zda v minulosti sv\u00e9 z\u00e1vazky platil \u0159\u00e1dn\u011b a v\u010das.<\/strong> Tuto informaci pak mohou vyu\u017e\u00edt p\u0159i rozhodov\u00e1n\u00ed, zda finan\u010dn\u00ed prost\u0159edky z\u00e1kazn\u00edkovi poskytnout \u010di nikoliv.<\/p>\n\n\n\n\n\n\n\n

Bankovn\u00ed registr klientsk\u00fdch informac\u00ed (BRKI) provozuje spole\u010dnost CBCB- Czech Banking Cedit Bureau, a.s.<\/strong>\n V bankovn\u00edm registru se nach\u00e1z\u00ed ka\u017ed\u00e1 fyzick\u00e1 osoba, tedy ob\u010dan i \nfyzick\u00e1 osoba podnikaj\u00edc\u00ed, kter\u00e1 m\u00e1 s n\u011bkterou \u010dlenskou bankou nebo \nstavebn\u00ed spo\u0159itelnou uzav\u0159enou \u00fav\u011brovou smlouvu nebo ji v minulosti \nuzav\u0159enou m\u011bla \u010di o uzav\u0159en\u00ed \u00fav\u011brov\u00e9 smlouvy teprve \u017e\u00e1d\u00e1. M\u016f\u017ee se jednat\n nap\u0159\u00edklad o hypot\u00e9ku, spot\u0159ebitelsk\u00fd \u00fav\u011br, kontokorent, kreditn\u00ed kartu.\n \u00dadaje o firm\u00e1ch v bankovn\u00edm registru nejsou.<\/p>\n\n\n\n

Nebankovn\u00ed registr klientsk\u00fdch informac\u00ed (NRKI) provozuje z\u00e1jmov\u00e9 sdru\u017een\u00ed LLCB- Leasing&Loan Credit Bureau.<\/strong>\n Nebankovn\u00ed registr obsahuje na rozd\u00edl od bankovn\u00edho registru krom\u011b \nfyzick\u00fdch osob a fyzick\u00fdch osob podnikaj\u00edc\u00edch tak\u00e9 \u00fadaje o osob\u00e1ch \npr\u00e1vnick\u00fdch (tzn. o obchodn\u00edch spole\u010dnostech).<\/p>\n\n\n\n

Jak\u00e9 konkr\u00e9tn\u00ed \u00fadaje jsou v registrech BRKI a NRKI evidov\u00e1ny?<\/strong><\/h3>\n\n\n\n

Ke ka\u017ed\u00e9 fyzick\u00e9 \u010di pr\u00e1vnick\u00e9 osob\u011b jsou v registrech krom\u011b jm\u00e9na, rodn\u00e9ho \u010d\u00edsla\/identifika\u010dn\u00edho \u010d\u00edsla a adresy uvedeny tak\u00e9 z\u00e1kladn\u00ed informace o tom, jak a kolik celkem fyzick\u00e1 \u010di pr\u00e1vnick\u00e1 osoba spl\u00e1c\u00ed nebo v minulosti spl\u00e1cela.<\/strong> Konkr\u00e9tn\u011b je to \u00fadaj t\u00fdkaj\u00edc\u00ed se po\u010dtu \u00fav\u011brov\u00fdch smluv, kter\u00e9 dan\u00e1 osoba m\u00e1, v\u00fd\u0161e \u010d\u00e1stek jednotliv\u00fdch \u00fav\u011br\u016f a v\u00fd\u0161e pravideln\u00fdch spl\u00e1tek. Sou\u010d\u00e1st\u00ed informac\u00ed je i historie spl\u00e1cen\u00ed t\u011bchto z\u00e1vazk\u016f a informace o jejich zaji\u0161t\u011bn\u00ed. Registry obsahuj\u00ed \u00fadaje o tom, zda dan\u00e1 osoba pr\u00e1v\u011b ne\u017e\u00e1d\u00e1 o n\u011bjak\u00fd \u00fav\u011brov\u00fd produkt.<\/p>\n\n\n

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Obr\u00e1zek \u010d. 1 Souhrnn\u00fd stav aktivn\u00edch a ukon\u010den\u00fdch finan\u010dn\u00edch z\u00e1vazk\u016f<\/h6>\n<\/div><\/div>\n\n\n
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Obr\u00e1zek \u010d. 2 P\u0159\u00edklad toho, jak vypad\u00e1 z\u00e1znam o pr\u016fb\u011bhu spl\u00e1cen\u00ed hypot\u00e9ky<\/h6>\n\n\n\n

<\/p>\n<\/div><\/div>\n\n\n

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Obr\u00e1zek \u010d. 3 P\u0159\u00edklad toho, jak vypad\u00e1 z\u00e1znam o pr\u016fb\u011bhu spl\u00e1cen\u00ed b\u011b\u017en\u00e9ho spot\u0159ebitelsk\u00e9ho \u00fav\u011bru<\/h6>\n<\/div><\/div>\n\n\n
\n\n\n

V jak\u00e9m p\u0159\u00edpad\u011b je pot\u0159ebn\u00fd souhlas klienta se zpracov\u00e1n\u00edm osobn\u00edch \u00fadaj\u016f?<\/strong><\/h3>\n\n\n\n

Banky\n souhlas klienta nepot\u0159ebuj\u00ed. V\u00fdm\u011bna informac\u00ed o platebn\u00ed mor\u00e1lce, \nbonit\u011b a d\u016fv\u011bryhodnosti klient\u016f je bank\u00e1m povolena v z\u00e1kon\u011b o bank\u00e1ch.<\/strong>\n Mohou se tedy d\u00edky t\u00e9to z\u00e1konn\u00e9 v\u00fdjimce informovat a vym\u011b\u0148ovat si \ninformace i bez jeho souhlasu. U nebankovn\u00edho registru je situace jin\u00e1, \nzde je souhlas klienta se zpracov\u00e1n\u00edm osobn\u00edch \u00fadaj\u016f nezbytn\u00fd proto, aby\n informace mohly b\u00fdt do registru zasl\u00e1ny.<\/p>\n\n\n\n

Vym\u011b\u0148uj\u00ed se vz\u00e1jemn\u011b BRKI a NRKI informace?<\/strong><\/h3>\n\n\n\n

Ano,\n oba registry si \u00fadaje mezi sebou vym\u011b\u0148uj\u00ed. V\u011b\u0159itelsk\u00e9 subjekty tak \ndost\u00e1vaj\u00ed o sv\u00fdch klientech ucelen\u00e9 informace v jeden okam\u017eik, co\u017e mimo \njin\u00e9 umo\u017e\u0148uje rychlej\u0161\u00ed zpracov\u00e1n\u00ed \u017e\u00e1dosti o p\u016fj\u010dku\/\u00fav\u011br. Pro vz\u00e1jemnou v\u00fdm\u011bnu dat mezi registry je nutn\u00fd v\u00e1\u0161 souhlas, kter\u00fd b\u00fdv\u00e1 sou\u010d\u00e1st\u00ed \u017e\u00e1dosti o \u00fav\u011br\/p\u016fj\u010dku<\/strong>.<\/p>\n\n\n\n

Jak dlouho bude \u00fadaj o podan\u00e9 \u017e\u00e1dosti o \u00fav\u011br v registru evidovan\u00e1?<\/strong><\/h3>\n\n\n\n

Jakmile\n podep\u00ed\u0161ete \u017e\u00e1dost o \u00fav\u011br, jej\u00ed\u017e sou\u010d\u00e1st\u00ed bude v\u00fd\u0161e uveden\u00fd souhlas, a \nfinan\u010dn\u00ed instituce se n\u00e1sledn\u011b dot\u00e1\u017ee do p\u0159\u00edslu\u0161n\u00e9ho registru pro \nov\u011b\u0159en\u00ed va\u0161\u00ed bonity, objev\u00ed se informace o t\u00e9to \u00fav\u011brov\u00e9 \u017e\u00e1dosti \nv registru. Pokud se rozhodnete z jak\u00e9hokoliv d\u016fvodu \u00fav\u011br ne\u010derpat \n(nepodep\u00ed\u0161ete \u00fav\u011brovou smlouvu), anebo pokud bude va\u0161e \u017e\u00e1dost odm\u00edtnuta \nze strany finan\u010dn\u00ed instituce, \u00fadaj o stavu \u017e\u00e1dosti bude z registru vymaz\u00e1n po jenom roce v p\u0159\u00edpad\u011b banky a po 6 m\u011bs\u00edc\u00edch v p\u0159\u00edpad\u011b jin\u00e9 finan\u010dn\u00ed instituce.<\/strong><\/p>\n\n\n\n

M\u016f\u017ee va\u0161e historie v registrech ovlivnit rozhodov\u00e1n\u00ed banky o podm\u00ednk\u00e1ch \u00fav\u011bru?<\/strong><\/h3>\n\n\n\n

V \u00fav\u011brov\u00fdch registrech CBCB a LLCB jsou zaneseny ve\u0161ker\u00e9 informace, tzn. nejen negativn\u00ed, ale i pozitivn\u00ed \u00fadaje<\/strong>.\n To, \u017ee registr obsahuje i pozitivn\u00ed informace, umo\u017e\u0148uje klient\u016fm \nbodovat si svou \u00fav\u011brovou historii, p\u0159\u00edpadn\u011b napravit sv\u00e9 proh\u0159e\u0161ky \nz minulosti. D\u00e1ky pozitivn\u00edm \u00fadaj\u016fm z registru tak mohou \u00fav\u011bry znovu \nz\u00edskat i lid\u00e9, kte\u0159\u00ed si s sebou nesou z minulosti n\u011bjak\u00fd drobn\u00fd \np\u0159estupek, nap\u0159. opo\u017ed\u011bnou spl\u00e1tku. Je velmi vhodn\u00e9, aby mlad\u00ed \nklienti za\u010dali s budov\u00e1n\u00edm sv\u00e9 pozitivn\u00ed \u00fav\u011brov\u00e9 historie- s postupem \n\u010dasu pak mohou dostat lep\u0161\u00ed podm\u00ednky \u00fav\u011br\u016f-hypot\u00e9k.<\/strong><\/p>\n\n\n\n

Jak a kde je mo\u017en\u00e9 zjistit, jak\u00e9 informace o v\u00e1s registry BRKI a NRKI vedou?<\/strong><\/h3>\n\n\n\n

Informace,\n kter\u00e9 oba registry v NRKI a BRKI o v\u00e1s eviduj\u00ed z\u00edsk\u00e1te za manipula\u010dn\u00ed \npoplatek. Jeho v\u00fd\u0161e z\u00e1le\u017e\u00ed na tom, jak rychle v\u00fdpis z registru \npot\u0159ebujete. Je mo\u017en\u00e9 volit mezi slu\u017ebou Expres (vyd\u00e1n\u00ed v\u00fdpisu osobn\u011b na\n po\u010dk\u00e1n\u00ed nebo odesl\u00e1n\u00ed v\u00fdpisu po\u0161tou do 24 hodin), kter\u00e9 je zpoplatn\u011bna \n200K\u010d, \u010di slu\u017ebou Standard (dod\u00e1n\u00ed v\u00fdpisu do 30 dn\u016f), kter\u00e1 stoj\u00ed 100 \nK\u010d.<\/p>\n\n\n\n

\u017d\u00e1dost o v\u00fdpis je mo\u017en\u00e9 zaslat \ntak\u00e9 po\u0161tou. Podpis na t\u00e9to \u017e\u00e1dosti mus\u00ed b\u00fdt \u00fa\u0159edn\u011b ov\u011b\u0159en. Je to \nz d\u016fvodu bezpe\u010dnosti, a by se na va\u0161e \u00fadaje v registru nemohla dotazovat\n neopr\u00e1vn\u011bn\u00e1 osoba. V p\u0159\u00edpad\u011b zasl\u00e1n\u00ed v\u00fdpisu po\u0161tou jsou k cen\u011b v\u00fdpisu \np\u0159ipo\u010dteny po\u0161tovn\u00ed n\u00e1klady. Dal\u0161\u00edm zp\u016fsobem je osobn\u00ed n\u00e1v\u0161t\u011bva \nklientsk\u00e9ho centra registru v Praze. Jestli\u017ee si pro v\u00fdpis z registru \nnem\u016f\u017eete p\u0159ij\u00edt osobn\u011b, m\u016f\u017eete pov\u011b\u0159it dal\u0161\u00ed osobu na z\u00e1klad\u011b pln\u00e9 moci \n(\u00fa\u0159edn\u011b ov\u011b\u0159en\u00fd podpis zmocnitele je podm\u00ednkou).<\/p>\n\n\n\n

Co d\u011blat, kdy\u017e zjist\u00edte v \u00fadaj\u00edch z registru chybu?<\/strong><\/h3>\n\n\n\n

Pokud\n zjist\u00edte, \u017ee n\u011bkter\u00fd z \u00fadaj\u016f evidovan\u00fdch v registru je chybn\u00fd nebo \nnep\u0159esn\u00fd, je pot\u0159eba se obr\u00e1tit na provozovatele registru, spole\u010dnost \nCBCB nebo LLCB. Provozovatel nespr\u00e1vn\u00fd \u00fadaje po dohod\u011b s finan\u010dn\u00ed \ninstituc\u00ed bezodkladn\u011b a bezplatn\u011b oprav\u00ed.<\/p>\n\n\n\n

Dostali jste se finan\u010dn\u00ed t\u00edsn\u011b a nespl\u00e1c\u00edte sv\u00e9 z\u00e1vazky v\u010das?<\/strong><\/h3>\n\n\n\n

Pokud\n se jedn\u00e1 o jedno a\u017e dvoudenn\u00ed zpo\u017ed\u011bn\u00ed se zaplacen\u00edm spl\u00e1tky, \nv registru se zpravidla takov\u00e9 prodlen\u00ed v\u016fbec neobjev\u00ed, jeliko\u017e \u00fadaje \nv registru jsou aktualizov\u00e1ny jednou m\u011bs\u00ed\u010dn\u011b.<\/strong>  Tuto informaci \nv\u0161ak nelze br\u00e1t jako pravidlo. V z\u00e1jmu ka\u017ed\u00e9ho klienta by m\u011blo b\u00fdt \u0159\u00e1dn\u00e9\n a v\u010dasn\u00e9 spl\u00e1cen\u00ed dle dohody s finan\u010dn\u00ed instituc\u00ed. Nicm\u00e9n\u011b pokud takov\u00e1\n situace nastane, je d\u016fle\u017eit\u00e9 okam\u017eit\u011b kontaktovat finan\u010dn\u00ed instituci, \nkter\u00e1 klientovi pom\u016f\u017ee situaci vy\u0159e\u0161it, nap\u0159\u00edklad odlo\u017een\u00edm pl\u00e1tek \u010di \nnab\u00eddkou jin\u00e9 typu \u00fav\u011bru.<\/p>\n\n\n\n

Na jak dlouho jsou z\u00e1znamy v registrech uchov\u00e1v\u00e1ny?<\/strong><\/h3>\n\n\n\n

Opozd\u00ed-li\n se klient jednou \u010di dvakr\u00e1t se spl\u00e1cen\u00edm p\u016fj\u010dky, bude tato informace \nobsa\u017eena v \u00fav\u011brov\u00e9 zpr\u00e1v\u011b, kterou finan\u010dn\u00ed instituce obdr\u017e\u00ed. Pokud v\u0161ak \nm\u00e1 historii spl\u00e1cen\u00ed v po\u0159\u00e1dku, nem\u011blo by ojedin\u011bl\u00e9 opo\u017ed\u011bn\u00ed se spl\u00e1tkou\n zabr\u00e1nit v z\u00edsk\u00e1n\u00ed nov\u00e9ho \u00fav\u011bru\/p\u016fj\u010dky. Informace obsa\u017een\u00e9 \nv registrech jsou pravideln\u011b m\u011bs\u00ed\u010dn\u011b aktualizov\u00e1ny a uchov\u00e1v\u00e1ny po dobu \nsmluvn\u00edho vztahu s finan\u010dn\u00ed instituc\u00ed a po dobu dal\u0161\u00edch 4 let po jeho \nukon\u010den\u00ed.<\/strong><\/p>\n\n\n\n

P\u0159evzato ze stru\u010dn\u00e9ho pr\u016fvodce \u00fav\u011brov\u00fdmi registry LLCB a CBCB<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Co jsou registry BRKI a NRKI a jak\u00e9 z\u00e1znamy jsou v t\u011bchto registrech evidov\u00e1ny? Bankovn\u00ed (BRKI) a Nebankovn\u00ed (NRKI) registr klientsk\u00fdch informac\u00ed jsou velmi dob\u0159e zabezpe\u010den\u00e9 datab\u00e1ze informac\u00ed o klientech finan\u010dn\u00edch instituc\u00ed, kte\u0159\u00ed se v\u016f\u010di nim n\u011bjak\u00fdm zp\u016fsobem zadlu\u017eili. D\u00edky registr\u016fm mohou banky i nebankovn\u00ed finan\u010dn\u00ed instituce p\u0159i \u017e\u00e1dosti o poskytnut\u00ed finan\u010dn\u00edch prost\u0159edk\u016f o sv\u00e9m […]<\/p>\n","protected":false},"author":1,"featured_media":2061,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"image","meta":{"ub_ctt_via":"","footnotes":""},"categories":[63,89],"tags":[],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/11\/\u00fav\u011brov\u00e9-registry.jpg","author_info":{"display_name":"mskarydkova","author_link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/author\/mskarydkova\/"},"_links":{"self":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/2045"}],"collection":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/comments?post=2045"}],"version-history":[{"count":0,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/2045\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/2061"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=2045"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=2045"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=2045"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}