{"id":7300,"date":"2020-04-27T10:52:43","date_gmt":"2020-04-27T08:52:43","guid":{"rendered":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/?p=7300"},"modified":"2020-04-27T16:05:24","modified_gmt":"2020-04-27T14:05:24","slug":"zamitnuti-hypoteky-neni-konec-sveta","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/zamitnuti-hypoteky-neni-konec-sveta\/","title":{"rendered":"Zam\u00edtnut\u00ed hypot\u00e9ky nen\u00ed konec sv\u011bta!"},"content":{"rendered":"\n

Jak se\np\u0159ipravit na druh\u00fd pokus \u017e\u00e1dosti o hypot\u00e9ku.<\/h2>\n\n\n\n

Zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br je nep\u0159\u00edjemn\u00e9 p\u0159ekvapen\u00ed. Obzvl\u00e1\u0161t\u011b v dne\u0161n\u00ed dob\u011b koronavirov\u00e9 banky velmi v\u00fdrazn\u011b p\u0159itvrdili p\u0159i vyhodnocen\u00ed p\u0159\u00edjm\u016f a celkov\u00e9 bonity \u017eadatel\u016f o \u00fav\u011br. Co tedy d\u011blat, kdy\u017e v\u00e1m banka \u017e\u00e1dost zam\u00edtne?<\/p>\n\n\n\n\n\n\n\n

Ur\u010dit\u011b zapome\u0148te na bezhlav\u00e9 ob\u00edh\u00e1n\u00ed bank s \u017e\u00e1dostmi o \u00fav\u011br. Banky v\u0161echny va\u0161e \u017e\u00e1dosti v registrech vid\u00ed a vid\u00ed tak\u00e9, jak to s va\u0161\u00ed \u017e\u00e1dost\u00ed u jin\u00e9 banky dopadlo. \u010c\u00edm v\u00edce m\u00e1te v registru zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed anebo \u017e\u00e1dost\u00ed v procesu, t\u00edm v\u00edce se sni\u017eujete sv\u00e9 mo\u017enosti, \u017ee \u00fav\u011br skute\u010dn\u011b bude schv\u00e1len. <\/strong><\/p>\n\n\n\n

Ne\u017e se rozhodnete podat \u017e\u00e1dost znovu u jin\u00e9 banky, je pot\u0159eba nejprve zjistit, co bylo d\u016fvodem zam\u00edtnut\u00ed.<\/strong> O d\u016fvodu zam\u00edtnut\u00ed banky nemaj\u00ed povinnost informovat, nicm\u00e9n\u011b, pokud jste si na pomoc p\u0159izvali \u00fav\u011brov\u00e9ho poradce, ten v\u00e1m v\u011bt\u0161inou je schopen d\u016fvod zam\u00edtnut\u00ed sd\u011blit a naj\u00edt p\u0159\u00edpadn\u011b jin\u00e9 \u0159e\u0161en\u00ed.<\/p>\n\n\n\n

Mezi nej\u010dast\u011bj\u0161\u00ed d\u016fvody zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br pat\u0159\u00ed:<\/strong><\/h2>\n\n\n\n

– nedostate\u010dn\u00e9 p\u0159\u00edjmy, <\/strong>(\u0159e\u0161en\u00edm je d\u016fkladn\u00e1 finan\u010dn\u00ed anal\u00fdza cashflow a zbaven\u00ed se \u0161patn\u00fdch dluh\u016f p\u0159\u00edpadn\u011b jejich konsolidace)<\/p>\n\n\n\n

– nedostate\u010dn\u00e1 z\u00e1stava nemovitosti,<\/strong> (\u0159e\u0161en\u00edm m\u016f\u017ee b\u00fdt doz\u00e1stava jinou nemovitost\u00ed anebo p\u0159\u00edpadn\u011b dofinancov\u00e1n\u00ed \u00fav\u011brem ze stavebn\u00edho spo\u0159en\u00ed; pokud vy\u0161la z\u00e1stavn\u00ed hodnota v\u00fdrazn\u011b pod kupn\u00ed cenu zva\u017ete, zda takovou nemovitost skute\u010dn\u011b chcete).<\/p>\n\n\n\n

– negativn\u00ed z\u00e1znamy v registrech,<\/strong> (k \u0159e\u0161en\u00ed probl\u00e9mu je pot\u0159eba zn\u00e1t stav registr\u016f- ide\u00e1ln\u011b v\u00fdpisem z nebankovn\u00edho a nebankovn\u00edho registru a na z\u00e1klad\u011b stavu probrat s \u00fav\u011brov\u00fdm poradcem mo\u017enosti financov\u00e1n\u00ed)<\/p>\n\n\n\n

– rizikovost \u017eadatele<\/strong>, tj. vysok\u00fd v\u011bk \u017eadatele, \u017eadatel s p\u0159\u00edjmy mimo EU, podnik\u00e1n\u00ed v kontroverzn\u00edch oborech, \u017eadatel s pracovn\u00ed smlouvou, kter\u00e1 neodpov\u00edd\u00e1 po\u017eadavk\u016fm banky apd.<\/p>\n\n\n\n

Informace o tom, \u017ee v\u00e1m banka zam\u00edtla \u017e\u00e1dost o hypot\u00e9ku je uvedena v bankovn\u00edm registru, <\/strong>tj. banka tedy v\u00ed, u kter\u00fdch p\u0159edchoz\u00edch instituc\u00ed jste \u017e\u00e1dosti podali a v jak\u00e9m stavu jsou (schv\u00e1len\u00e9, odstoupen\u00e9, zam\u00edtnut\u00e9 apd.).<\/p>\n\n\n\n

P\u0159ed pod\u00e1n\u00edm nov\u00e9 \u017e\u00e1dosti o \u00fav\u011br je vhodn\u00e9 obr\u00e1tit se na \u00fav\u011brov\u00e9ho poradce a p\u0159ipravit si pro n\u011bj tyto informace:<\/h2>\n\n\n\n

– aktu\u00e1ln\u00ed v\u00fd\u0161e p\u0159\u00edjmu<\/strong>, z jak\u00e9 \u010dinnosti tyto p\u0159\u00edjmy m\u00e1te a jak dlouho<\/p>\n\n\n\n

– aktu\u00e1ln\u00ed v\u00fd\u0161e finan\u010dn\u00edch z\u00e1vazk\u016f<\/strong>– spl\u00e1tky a zb\u00fdvaj\u00edc\u00ed jistiny ke splacen\u00ed<\/p>\n\n\n\n

– jestli\u017ee ji\u017e m\u00e1te hotov\u00fd odhad nemovitosti, pak i tento \u00fadaj<\/strong><\/p>\n\n\n\n

– upozornit \u00fav\u011brov\u00e9ho poradce na to, \u017ee jste ji\u017e o \u00fav\u011br ne\u00fasp\u011b\u0161n\u011b \u017e\u00e1dal a co bylo d\u016fvodem zam\u00edtnut\u00ed.<\/strong><\/p>\n\n\n\n

TIP:<\/p>

Ur\u010dit\u011b se vyplat\u00ed nechat si zpracovat nab\u00eddku od v\u00edce bank a z\u00e1rove\u0148 se nezapome\u0148te informovat o tom, za jak\u00fdch podm\u00ednek je hypot\u00e9ka schvalov\u00e1na a jak\u00fd bude n\u00e1sledovat proces a co v\u0161e od v\u00e1s bude pot\u0159eba dolo\u017eit.<\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"

Jak se p\u0159ipravit na druh\u00fd pokus \u017e\u00e1dosti o hypot\u00e9ku. Zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br je nep\u0159\u00edjemn\u00e9 p\u0159ekvapen\u00ed. Obzvl\u00e1\u0161t\u011b v dne\u0161n\u00ed dob\u011b koronavirov\u00e9 banky velmi v\u00fdrazn\u011b p\u0159itvrdili p\u0159i vyhodnocen\u00ed p\u0159\u00edjm\u016f a celkov\u00e9 bonity \u017eadatel\u016f o \u00fav\u011br. Co tedy d\u011blat, kdy\u017e v\u00e1m banka \u017e\u00e1dost zam\u00edtne?<\/p>\n","protected":false},"author":1,"featured_media":7304,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ub_ctt_via":"","footnotes":""},"categories":[63],"tags":[64,99,100],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2020\/04\/zam\u00edtnut\u00ed-hypot\u00e9ky-nen\u00ed-konec-sv\u011bta.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\/7300"}],"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=7300"}],"version-history":[{"count":0,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/7300\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/7304"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=7300"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=7300"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=7300"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}