{"id":1084,"date":"2025-10-01T21:42:12","date_gmt":"2025-10-01T19:42:12","guid":{"rendered":"https:\/\/finmag.info\/?p=1084"},"modified":"2026-03-24T13:45:28","modified_gmt":"2026-03-24T12:45:28","slug":"banky-rikaji-ne-jaka-je-sance-na-pujcku-se-zaznamem-v-registru","status":"publish","type":"post","link":"https:\/\/finmag.info\/?p=1084","title":{"rendered":"Banky \u0159\u00edkaj\u00ed NE. Jak\u00e1 je \u0161ance na p\u016fj\u010dku se z\u00e1znamem v\u00a0registru?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Z\u00e1znam v&nbsp;registru dlu\u017en\u00edk\u016f komplikuje cestu k&nbsp;\u00fav\u011bru od tradi\u010dn\u00edch bankovn\u00edch poskytovatel\u016f. P\u0159esto existuj\u00ed mo\u017enosti, jak \u00fav\u011br z\u00edskat i s&nbsp;negativn\u00edm z\u00e1pisem. Porad\u00edme v\u00e1m, jak se p\u0159ipravit na \u017e\u00e1dost o p\u016fj\u010dku se z\u00e1znamem v&nbsp;registru i co d\u011blat v&nbsp;p\u0159\u00edpad\u011b zam\u00edtav\u00e9ho stanoviska.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">D\u016fle\u017eitost registru dlu\u017en\u00edk\u016f p\u0159i hodnocen\u00ed bonity<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Registr dlu\u017en\u00edk\u016f vyu\u017e\u00edvaj\u00ed banky a dal\u0161\u00ed finan\u010dn\u00ed instituce k&nbsp;posouzen\u00ed bonity \u017eadatele ve chv\u00edli, kdy pod\u00e1v\u00e1 \u017e\u00e1dost o \u00fav\u011br. C\u00edlem procesu posouzen\u00ed bonity je hodnocen\u00ed, zda bude \u017eadatel o p\u016fj\u010dku spl\u00e1tky hradit \u0159\u00e1dn\u011b a v\u010das. Z\u00e1pis v&nbsp;registru znamen\u00e1, \u017ee \u017eadatel m\u011bl v&nbsp;minulosti probl\u00e9my se spl\u00e1tkami z\u00e1vazk\u016f, t\u00edm kles\u00e1 jeho d\u016fv\u011bryhodnost v&nbsp;o\u010d\u00edch poskytovatel\u016f p\u016fj\u010dek.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Registry dlu\u017en\u00edk\u016f v&nbsp;\u010cR<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Finan\u010dn\u00ed instituce vyu\u017e\u00edvaj\u00ed n\u011bkolik hlavn\u00edch registr\u016f. Banky maj\u00ed intern\u00ed Bankovn\u00ed registr klientsk\u00fdch informac\u00ed, nebankovn\u00ed spole\u010dnosti vyu\u017e\u00edvaj\u00ed Nebankovn\u00ed registr klientsk\u00fdch informac\u00ed. Soukrom\u00e9 spole\u010dnosti spravuj\u00ed registr SOLUS. Sou\u010dasn\u011b se sleduje i registr exekuc\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Z\u00e1pis v&nbsp;n\u011bkter\u00e9 z&nbsp;datab\u00e1z\u00ed je varovn\u00fdm sign\u00e1lem, kter\u00fd poskytovatele upozorn\u00ed, \u017ee u \u017eadatele existuje riziko, \u017ee nebude schopen spl\u00e1cet z\u00e1vazky. Vznikaj\u00ed z\u00e1pisy ohledn\u011b opo\u017ed\u011bn\u00fdch spl\u00e1tek, neuhrazen\u00fdch faktur, zesplatn\u011bn\u00fdch \u00fav\u011br\u016f nebo zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed o p\u016fj\u010dku.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">\u017d\u00e1dost o p\u016fj\u010dku v&nbsp;bance<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Banky se \u0159\u00edd\u00ed velmi p\u0159\u00edsn\u00fdmi krit\u00e9rii p\u0159i posuzov\u00e1n\u00ed bonity. Z\u00e1znam v&nbsp;registru dlu\u017en\u00edk\u016f je \u010dasto v\u00fdstra\u017en\u00fdm sign\u00e1lem a \u017e\u00e1dost o p\u016fj\u010dku b\u00fdv\u00e1 zam\u00edtnuta navzdory vysok\u00fdm p\u0159\u00edjm\u016fm dlu\u017en\u00edka. Se z\u00e1znamem v&nbsp;registru dlu\u017en\u00edk\u016f je mal\u00e1 \u0161ance na z\u00edsk\u00e1n\u00ed p\u016fj\u010dky v&nbsp;tradi\u010dn\u00edch bank\u00e1ch. Banky se sna\u017e\u00ed chr\u00e1nit vlastn\u00ed zdroje, proto i drobn\u00e9 proh\u0159e\u0161ky z&nbsp;minulosti mohou zav\u0159\u00edt cestu k&nbsp;\u00fav\u011bru nebo znamenaj\u00ed n\u00e1ro\u010dn\u00fd schvalovac\u00ed proces.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Flexibiln\u00ed poskytovatel\u00e9 p\u016fj\u010dek<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">V&nbsp;situaci, kdy banka zam\u00edtne \u017e\u00e1dost o \u00fav\u011br nen\u00ed v\u0161em \u00fav\u011brov\u00fdm nad\u011bj\u00edm konec. Je mo\u017en\u00e9 \u017e\u00e1dat o nebankovn\u00ed p\u016fj\u010dku. Existuj\u00ed spole\u010dnosti, kter\u00e9 <a href=\"https:\/\/www.zoxo.cz\/pujcka-100000\">poskytuj\u00ed p\u016fj\u010dky<\/a> i klient\u016fm se z\u00e1znamem v&nbsp;registru dlu\u017en\u00edk\u016f. Je ov\u0161em t\u0159eba po\u010d\u00edtat s&nbsp;t\u00edm, \u017ee jejich \u00farokov\u00e1 sazba b\u00fdv\u00e1 vy\u0161\u0161\u00ed ne\u017e v&nbsp;b\u011b\u017en\u00e9 bance. Tak\u00e9 se klienti mohou setkat s&nbsp;po\u017eadavkem na ru\u010den\u00ed nebo s&nbsp;krat\u0161\u00ed dobou splatnosti. P\u016fj\u010dka od nebankovn\u00ed spole\u010dnosti znamen\u00e1 vy\u0161\u0161\u00ed n\u00e1klady na \u00fav\u011br, ale rychl\u00e9 vy\u0159\u00edzen\u00ed s&nbsp;jednoduch\u00fdmi po\u017eadavky na dolo\u017een\u00ed dokument\u016f p\u0159ed schv\u00e1len\u00edm p\u016fj\u010dky. Ka\u017ed\u00fd, komu zam\u00edtli \u017e\u00e1dost o p\u016fj\u010dku v&nbsp;bance, m\u016f\u017ee zkusit podat \u017e\u00e1dost u n\u011bkter\u00e9 z&nbsp;nebankovn\u00edch spole\u010dnost\u00ed.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Pe\u010dliv\u00fd v\u00fdb\u011br poskytovatele p\u016fj\u010dky<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Z\u00edsk\u00e1n\u00ed p\u016fj\u010dky se z\u00e1pisem v&nbsp;registru znamen\u00e1, \u017ee podm\u00ednky \u00fav\u011bru budou m\u00e9n\u011b v\u00fdhodn\u00e9 ne\u017e pro \u017eadatele s&nbsp;\u010dist\u00fdm registrem. Vy\u0161\u0161\u00ed \u00farokov\u00e9 sazby, poplatky p\u0159i sjedn\u00e1n\u00ed p\u016fj\u010dky, kr\u00e1tk\u00e9 lh\u016fty splatnosti, po\u017eadavky na atraktivn\u00ed ru\u010den\u00ed. To v\u0161e zvy\u0161uje celkov\u00e9 n\u00e1klady na \u00fav\u011br. Dlu\u017en\u00edk se m\u016f\u017ee snadno dostat do finan\u010dn\u00edch pot\u00ed\u017e\u00ed, pokud nem\u00e1 dostate\u010dn\u011b vysokou rezervu. Z&nbsp;rezervy je mo\u017en\u00e9 uhradit spl\u00e1tky i v&nbsp;p\u0159\u00edpad\u011b, \u017ee se objev\u00ed nenad\u00e1l\u00e1 situace, kter\u00e1 zas\u00e1hne do v\u00fd\u0161e p\u0159\u00edjm\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159ed \u017e\u00e1dost\u00ed o nebankovn\u00ed p\u016fj\u010dku je d\u016fle\u017eit\u00e9 sezn\u00e1mit se s&nbsp;podm\u00ednkami p\u016fj\u010dek, porovnat RPSN \u00fav\u011br\u016f od r\u016fzn\u00fdch poskytovatel\u016f a pro\u010d\u00edst smluvn\u00ed dokumentaci.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Alternativn\u00ed zp\u016fsoby financov\u00e1n\u00ed v&nbsp;p\u0159\u00edpad\u011b zam\u00edtnut\u00ed bankou:<\/h1>\n\n\n\n<ul class=\"wp-block-list\">\n<li>P\u016fj\u010dky od rodiny nebo p\u0159\u00e1tel.<\/li>\n\n\n\n<li>Do\u010dasn\u00e9 financov\u00e1n\u00ed z&nbsp;vlastn\u00edch zdroj\u016f a op\u011btovn\u00e1 \u017e\u00e1dost v&nbsp;bance po n\u011bkolika m\u011bs\u00edc\u00edch.<\/li>\n\n\n\n<li>Nebankovn\u00ed p\u016fj\u010dka.<\/li>\n\n\n\n<li>Nebankovn\u00ed p\u016fj\u010dka a pozd\u011bj\u0161\u00ed refinancov\u00e1n\u00ed bankovn\u00edm \u00fav\u011brem.<\/li>\n\n\n\n<li>P2P platformy.<\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\">\u017d\u00e1dost o p\u016fj\u010dku se z\u00e1znamem<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Podklady pro \u017e\u00e1dost o p\u016fj\u010dku je t\u0159eba pe\u010dliv\u011b p\u0159ipravit. Dolo\u017eit p\u0159\u00edjmy a v\u00fddaje, prok\u00e1zat schopnost spl\u00e1cet dostate\u010dn\u011b vysok\u00fdmi p\u0159\u00edjmy, nab\u00eddnout ru\u010den\u00ed nebo spoludlu\u017en\u00edka. Za\u017e\u00e1dat si o v\u00fdpisy z&nbsp;registr\u016f je\u0161t\u011b p\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti a v\u011b\u0159iteli vysv\u011btlit, jak k&nbsp;negativn\u00edmu z\u00e1znamu do\u0161lo. Otev\u0159en\u00e1 komunikace zvy\u0161uje \u0161ance na schv\u00e1len\u00ed p\u016fj\u010dky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Autor: Jakub Ne\u010das <a href=\"https:\/\/www.zoxo.cz\"><strong>www.zoxo.cz<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Z\u00e1znam v&nbsp;registru dlu\u017en\u00edk\u016f komplikuje cestu k&nbsp;\u00fav\u011bru od tradi\u010dn\u00edch bankovn\u00edch poskytovatel\u016f. P\u0159esto existuj\u00ed mo\u017enosti, jak \u00fav\u011br z\u00edskat i s&nbsp;negativn\u00edm z\u00e1pisem. Porad\u00edme v\u00e1m, jak se p\u0159ipravit na \u017e\u00e1dost o p\u016fj\u010dku se z\u00e1znamem v&nbsp;registru i co d\u011blat v&nbsp;p\u0159\u00edpad\u011b zam\u00edtav\u00e9ho stanoviska. D\u016fle\u017eitost registru dlu\u017en\u00edk\u016f p\u0159i hodnocen\u00ed bonity Registr dlu\u017en\u00edk\u016f vyu\u017e\u00edvaj\u00ed banky a dal\u0161\u00ed finan\u010dn\u00ed instituce k&nbsp;posouzen\u00ed bonity \u017eadatele ve [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1085,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[15],"tags":[],"class_list":["post-1084","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-navody"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Z\u00e1znam v registru dlu\u017en\u00edk\u016f komplikuje cestu k \u00fav\u011bru od tradi\u010dn\u00edch bankovn\u00edch poskytovatel\u016f. P\u0159esto existuj\u00ed mo\u017enosti, jak \u00fav\u011br z\u00edskat i s negativn\u00edm z\u00e1pisem. Porad\u00edme v\u00e1m, jak se p\u0159ipravit na \u017e\u00e1dost o p\u016fj\u010dku se z\u00e1znamem v registru i co d\u011blat v p\u0159\u00edpad\u011b zam\u00edtav\u00e9ho stanoviska. D\u016fle\u017eitost registru dlu\u017en\u00edk\u016f p\u0159i hodnocen\u00ed bonity Registr dlu\u017en\u00edk\u016f vyu\u017e\u00edvaj\u00ed banky a dal\u0161\u00ed finan\u010dn\u00ed instituce k posouzen\u00ed bonity \u017eadatele ve\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Fin mag\"\/>\n\t<meta name=\"keywords\" content=\"rady a n\u00e1vody\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/finmag.info\/?p=1084\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.0.1\" \/>\n\t\t<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n\t\t<meta property=\"og:site_name\" content=\"FINmag \u2b50 zpr\u00e1vy ze sv\u011bta financ\u00ed a investic \u2705 |\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Banky \u0159\u00edkaj\u00ed NE. 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D\u016fle\u017eitost registru dlu\u017en\u00edk\u016f p\u0159i hodnocen\u00ed bonity Registr dlu\u017en\u00edk\u016f vyu\u017e\u00edvaj\u00ed banky a dal\u0161\u00ed finan\u010dn\u00ed instituce k posouzen\u00ed bonity \u017eadatele ve\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/finmag.info\/?p=1084\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2025-10-01T19:42:12+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2026-03-24T12:45:28+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary\" \/>\n\t\t<meta name=\"twitter:title\" content=\"Banky \u0159\u00edkaj\u00ed NE. Jak\u00e1 je \u0161ance na p\u016fj\u010dku se z\u00e1znamem v registru? | FINmag \u2b50 zpr\u00e1vy ze sv\u011bta financ\u00ed a investic \u2705\" \/>\n\t\t<meta name=\"twitter:description\" content=\"Z\u00e1znam v registru dlu\u017en\u00edk\u016f komplikuje cestu k \u00fav\u011bru od tradi\u010dn\u00edch bankovn\u00edch poskytovatel\u016f. P\u0159esto existuj\u00ed mo\u017enosti, jak \u00fav\u011br z\u00edskat i s negativn\u00edm z\u00e1pisem. Porad\u00edme v\u00e1m, jak se p\u0159ipravit na \u017e\u00e1dost o p\u016fj\u010dku se z\u00e1znamem v registru i co d\u011blat v p\u0159\u00edpad\u011b zam\u00edtav\u00e9ho stanoviska. D\u016fle\u017eitost registru dlu\u017en\u00edk\u016f p\u0159i hodnocen\u00ed bonity Registr dlu\u017en\u00edk\u016f vyu\u017e\u00edvaj\u00ed banky a dal\u0161\u00ed finan\u010dn\u00ed instituce k posouzen\u00ed bonity \u017eadatele ve\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/finmag.info\\\/?p=1084#article\",\"name\":\"Banky \\u0159\\u00edkaj\\u00ed NE. Jak\\u00e1 je \\u0161ance na p\\u016fj\\u010dku se z\\u00e1znamem v registru? | FINmag \\u2b50 zpr\\u00e1vy ze sv\\u011bta financ\\u00ed a investic \\u2705\",\"headline\":\"Banky \\u0159\\u00edkaj\\u00ed NE. 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