[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bafr.cz\/kdy-je-vhodne-zadat-v-bance-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.bafr.cz\/kdy-je-vhodne-zadat-v-bance-o-uver\/","headline":"Kdy je vhodn\u00e9 \u017e\u00e1dat v bance o \u00fav\u011br?","name":"Kdy je vhodn\u00e9 \u017e\u00e1dat v bance o \u00fav\u011br?","description":"Za\u017e\u00e1dat o \u00fav\u011br v bance m\u016f\u017ee v dne\u0161n\u00ed dob\u011b ka\u017ed\u00fd, kdo spln\u00ed pomyslnou hranici plnoletosti \u2013 18 let. To v\u0161ak nen\u00ed jedin\u00e1 z\u00e1konn\u00e1 podm\u00ednka, kterou mus\u00ed \u017eadatel splnit. Jak\u00e9 jsou dal\u0161\u00ed p\u0159edpoklady, kter\u00e9 banky po sv\u00fdch klientech vy\u017eaduj\u00ed? Co je to tzv. bonita? Jak\u00e1 minim\u00e1ln\u00ed mzda je pot\u0159ebn\u00e1 k z\u00edsk\u00e1n\u00ed \u00fav\u011bru v bance? Ot\u00e1zek, kter\u00e9 […]","datePublished":"2021-06-09","dateModified":"2021-06-09","author":{"@type":"Person","@id":"https:\/\/www.bafr.cz\/author\/#Person","name":"","url":"https:\/\/www.bafr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/25a824e14ead2d36aba24b918221841350fb41cea98048e9b1929df8c4bf4bd8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/25a824e14ead2d36aba24b918221841350fb41cea98048e9b1929df8c4bf4bd8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bafr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bafr.cz\/wp-content\/uploads\/star%C3%A9%20ruce_3.jpg","url":"https:\/\/www.bafr.cz\/wp-content\/uploads\/star%C3%A9%20ruce_3.jpg","height":0,"width":0},"url":"https:\/\/www.bafr.cz\/kdy-je-vhodne-zadat-v-bance-o-uver\/","about":["Nakupov\u00e1n\u00ed"],"wordCount":389,"articleBody":"   Za\u017e\u00e1dat o \u00fav\u011br v bance m\u016f\u017ee v dne\u0161n\u00ed dob\u011b ka\u017ed\u00fd, kdo spln\u00ed pomyslnou hranici plnoletosti \u2013 18 let. To v\u0161ak nen\u00ed jedin\u00e1 z\u00e1konn\u00e1 podm\u00ednka, kterou mus\u00ed \u017eadatel splnit. Jak\u00e9 jsou dal\u0161\u00ed p\u0159edpoklady, kter\u00e9 banky po sv\u00fdch klientech vy\u017eaduj\u00ed? Co je to tzv. bonita? Jak\u00e1 minim\u00e1ln\u00ed mzda je pot\u0159ebn\u00e1 k z\u00edsk\u00e1n\u00ed \u00fav\u011bru v bance? Ot\u00e1zek, kter\u00e9 n\u00e1s napadaj\u00ed p\u0159i cest\u011b do banky je cel\u00e1 \u0159ada. Ne na v\u0161echny se d\u00e1 jednozna\u010dn\u011b odpov\u011bd\u011bt, nebo\u0165 podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011brov\u00fdch produkt\u016f se li\u0161\u00ed v z\u00e1vislosti na konkr\u00e9tn\u00ed bankovn\u00ed \u010di nebankovn\u00ed spole\u010dnosti. Existuj\u00ed v\u0161ak z\u00e1konn\u00e9 podm\u00ednky, kter\u00e9 je zapot\u0159eb\u00ed splnit bez ohledu na instituci, do kter\u00e9 jdete po\u017e\u00e1dat. Poj\u010fme si bl\u00ed\u017ee p\u0159edstavit alespo\u0148 n\u011bkter\u00e9 z nich. V\u011bkV\u011bk je jeden z kl\u00ed\u010dov\u00fdch faktor\u016f, kter\u00fd je bankovn\u00edmi i nebankovn\u00edmi spole\u010dnostmi posuzov\u00e1n. V\u00fdhodou nen\u00ed p\u0159\u00edli\u0161 n\u00edzk\u00fd, ale naopak ani vysok\u00fd v\u011bk. Nejni\u017e\u0161\u00ed v\u011bk je pevn\u011b stanoven z\u00e1konem, ov\u0161em s nejvy\u0161\u0161\u00ed v\u011bkovou hranic\u00ed, do kdy je mo\u017en\u00e9 \u00fav\u011br z\u00edskat, to u\u017e tak jednoduch\u00e9 nen\u00ed. Nejvy\u0161\u0161\u00ed v\u011bkov\u00e1 hranice toti\u017e nen\u00ed z\u00e1konem nijak bl\u00ed\u017ee specifikov\u00e1na a odv\u00edj\u00ed se od intern\u00edch podm\u00ednek jednotliv\u00fdch spole\u010dnost\u00ed. Je ale mo\u017en\u00e9 se orientovat podle nejvy\u0161\u0161\u00ed v\u011bkov\u00e9 hranice, do kdy maj\u00ed b\u00fdt ve\u0161ker\u00e9 pohled\u00e1vky v\u016f\u010di v\u011b\u0159iteli splaceny. Tato hranice je aktu\u00e1ln\u011b nastavena na 65 let, \u0159ada spole\u010dnost\u00ed v\u0161ak toto doporu\u010den\u00ed neakceptuje. P\u0159\u00edjem\u017dadatel\u00e9 mus\u00ed disponovat i prokazateln\u00fdm m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmem, kter\u00fd pokryje n\u00e1klady na \u017eivobyt\u00ed i p\u0159\u00edpadn\u00e9 z\u00e1vazky v\u016f\u010di v\u011b\u0159iteli. Ru\u0161\u00ed se superhrub\u00e1 mzda, vypo\u010d\u00edtejte si pomoc\u00ed online kalkula\u010dky \u010distou mzdu 2021 https:\/\/www.kalkulackacistemzdy.cz\/. \u010cist\u00e1 m\u011bs\u00ed\u010dn\u00ed mzda je jeden z hlavn\u00edch faktor\u016f, kter\u00e9 rozduj\u00ed, zda \u00fav\u011br \u017eadatel nakonec z\u00edsk\u00e1 nebo odejde z banky s nepo\u0159\u00edzenou. Banku v\u0161ak krom p\u0159\u00edjm\u016f, zaj\u00edmaj\u00ed i m\u011bs\u00ed\u010dn\u00ed v\u00fddaje, kter\u00e9 by m\u011bly b\u00fdt natolik vysok\u00e9, aby z nich dlu\u017en\u00edk mohl spl\u00e1cet ve\u0161ker\u00e9 pohled\u00e1vky.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy je vhodn\u00e9 \u017e\u00e1dat v bance o \u00fav\u011br?","item":"https:\/\/www.bafr.cz\/kdy-je-vhodne-zadat-v-bance-o-uver\/#breadcrumbitem"}]}]