[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/zapominali-jste-splacet-zapomente-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/zapominali-jste-splacet-zapomente-na-hypoteku\/","headline":"ZAPOM\u00cdNALI JSTE SPL\u00c1CET? ZAPOME\u0147TE NA HYPOT\u00c9KU!","name":"ZAPOM\u00cdNALI JSTE SPL\u00c1CET? ZAPOME\u0147TE NA HYPOT\u00c9KU!","description":"Mo\u017en\u00e1 jste i vy \u017eili divok\u00fd \u017eivot mlad\u00fdch, kdy nejv\u011bt\u0161\u00ed va\u0161\u00ed starost\u00ed bylo doj\u00edt do pr\u00e1ce a po v\u00fdplat\u011b zaj\u00edt na pivo, kde byli kamar\u00e1di a kamar\u00e1dky, kte\u0159\u00ed znamenali v\u00e1\u0161 \u017eivot a nebylo nic d\u016fle\u017eit\u011bj\u0161\u00edho, ne\u017e j\u00edt s&nbsp;nimi do hospody. Pak jste jednoho dne potkali sv\u00e9ho \u017eivotn\u00edho partnera, rok se se\u0161el s rokem a vy &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/zapominali-jste-splacet-zapomente-na-hypoteku\/\"> <span class=\"screen-reader-text\">ZAPOM\u00cdNALI JSTE SPL\u00c1CET? ZAPOME\u0147TE NA HYPOT\u00c9KU!<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2021-06-19","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a294121_w1998_t1506026992.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a294121_w1998_t1506026992.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/zapominali-jste-splacet-zapomente-na-hypoteku\/","about":["Hypot\u00e9ky"],"wordCount":530,"articleBody":"\tMo\u017en\u00e1 jste i vy \u017eili divok\u00fd \u017eivot mlad\u00fdch, kdy nejv\u011bt\u0161\u00ed va\u0161\u00ed starost\u00ed bylo doj\u00edt do pr\u00e1ce a po v\u00fdplat\u011b zaj\u00edt na pivo, kde byli kamar\u00e1di a kamar\u00e1dky, kte\u0159\u00ed znamenali v\u00e1\u0161 \u017eivot a nebylo nic d\u016fle\u017eit\u011bj\u0161\u00edho, ne\u017e j\u00edt s&nbsp;nimi do hospody.\tPak jste jednoho dne potkali sv\u00e9ho \u017eivotn\u00edho partnera, rok se se\u0161el s rokem a vy m\u00edsto divok\u00fdch ve\u010d\u00edrk\u016f tr\u00e1v\u00edte ve\u010dery se sv\u00fdm partnerem doma v podn\u00e1jmu a postupn\u011b jste za\u010dali uva\u017eovat o tom, \u017ee byste \u0161li do vlastn\u00edho.\t\tM\u00e1te vy\u0161\u0161\u00ed p\u0159\u00edjmy, o svatb\u011b je\u0161t\u011b neuva\u017eujete a tak se rozhodnete vydat do banky s \u017e\u00e1dost\u00ed o hypot\u00e9ku pr\u00e1v\u011b vy z&nbsp;v\u00e1s dvou. Do\u010detli jste se dokonce, \u017ee v\u00fd\u0161e \u00farokov\u00fdch sazeb je pom\u011brn\u011b dobr\u00e1 a ne\u017e se bude v roce 2018 zvy\u0161ovat, je mo\u017en\u00e1 dobr\u00e9 je\u0161t\u011b vyu\u017e\u00edt ni\u017e\u0161\u00ed sazby.\t\tProces schvalov\u00e1n\u00ed p\u016fj\u010dky za\u010dne zcela nevinn\u011b a \u00fapln\u011b stejn\u011b jako u ostatn\u00edch. Zajdete do vybran\u00e9 banky, p\u0159inesete podklady, kter\u00e9 jste na\u0161li na internetu, \u017ee pot\u0159ebuj\u00ed a douf\u00e1te, \u017ee v\u0161echno p\u016fjde p\u011bkn\u011b hladce.\tJen\u017ee, kdy\u017e si v\u00e1s banka zkontroluje v centr\u00e1ln\u00edm registru, zjist\u00ed, \u017ee jste v posledn\u00edch \u010dty\u0159ech letech m\u011bli probl\u00e9my se spl\u00e1cen\u00edm sv\u00fdch dosavadn\u00edch \u00fav\u011br\u016f. Vy u\u017e jste to \u00fapln\u011b zapomn\u011bli, ale v\u00e1\u0161 divok\u00fd \u017eivot skon\u010dil sotva p\u0159ed rokem a banka si informace uchov\u00e1v\u00e1 je\u0161t\u011b 4 roky pot\u00e9, co jste \u00fav\u011br doplatili. Ka\u017ed\u00e1 banka, kter\u00e1 m\u00e1 poskytnout \u00fav\u011br \u010di hypot\u00e9ku zkoum\u00e1 va\u0161i platebn\u00ed mor\u00e1lku. A nen\u00ed to truc t\u00e9to banky nebo jin\u00e9, ale je to p\u0159\u00edmo podle z\u00e1kona o bank\u00e1ch, kdy banky mus\u00ed informace o platebn\u00ed historii \u017eadatele \u010derpat p\u0159\u00edmo z bankovn\u00edho registru. V tomto registru jsou evidov\u00e1ny v\u0161echny \u00fav\u011bry.\t\u00dav\u011bry, kter\u00e9 byly splaceny p\u0159ed v\u00edce ne\u017e \u010dty\u0159mi lety zde ji\u017e tedy uvedeny nejsou. Pokud jste v\u0161ak pr\u00e1v\u011b v posledn\u00edch dvou letech m\u011bli opravdu v\u00fdrazn\u00e9 probl\u00e9my s pln\u011bn\u00edm spl\u00e1tek, znamen\u00e1 to, \u017ee jste platili spl\u00e1tky a\u017e po jejich splatnosti, banka okam\u017eit\u011b va\u0161i \u017e\u00e1dost zam\u00edtne. V bankovn\u00edm registru jsou informace nejen o tom, jak\u00e9 \u00fav\u011bry m\u00e1te nebo jste v posledn\u00edch \u010dty\u0159ech letech m\u011bli, ale tak\u00e9 jsou zde uvedeny v\u0161echny \u017e\u00e1dosti o \u00fav\u011bry. To znamen\u00e1, \u017ee ka\u017ed\u00e1 jednotliv\u00e1 banka vid\u00ed, \u017ee jste ji\u017e byli \u017e\u00e1dat u jin\u00e9 banky, ta v\u00e1m \u00fav\u011br neschv\u00e1lila, resp. zam\u00edtla a t\u00edm p\u00e1dem jste je\u0161t\u011b pod v\u011bt\u0161\u00edm drobnohledem ne\u017e doposud.\t\tCo s t\u00edm?V ka\u017ed\u00e9m p\u0159\u00edpad\u011b zkontrolovat v\u0161echny va\u0161e nezaplacen\u00e9 polo\u017eky. D\u00e1vat si pozor na v\u0161echny dal\u0161\u00ed platby, a\u0165 u\u017e to jsou kreditn\u00ed karty, drobn\u00e9 spot\u0159ebitelsk\u00e9 \u00fav\u011bry \u010di spl\u00e1tky dal\u0161\u00edch variant bankovn\u00edch produkt\u016f.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"ZAPOM\u00cdNALI JSTE SPL\u00c1CET? ZAPOME\u0147TE NA HYPOT\u00c9KU!","item":"https:\/\/www.zerba.cz\/zapominali-jste-splacet-zapomente-na-hypoteku\/#breadcrumbitem"}]}]