[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.audea.cz\/co-je-registr-dluzniku-a-jak-se-z-nej-dostat\/#Article","mainEntityOfPage":"https:\/\/www.audea.cz\/co-je-registr-dluzniku-a-jak-se-z-nej-dostat\/","headline":"Co je registr dlu\u017en\u00edk\u016f a jak se z n\u011bj dostat","name":"Co je registr dlu\u017en\u00edk\u016f a jak se z n\u011bj dostat","description":"Hypot\u00e9ka je \u00fa\u010delov\u00fd \u00fav\u011br, kter\u00fd m\u016f\u017eete vyu\u017e\u00edt na koupi bytu \u010di domu, stavbu nov\u00e9ho domu nebo rekonstrukci. Podm\u00ednkou je zaps\u00e1n\u00ed tzv. z\u00e1stavn\u00edho pr\u00e1va k nemovitosti. V \u010cech\u00e1ch m\u00e1te mo\u017enost zvolit si jednu ze dvou mo\u017enost\u00ed, a to klasick\u00fd nebo americk\u00fd \u00fav\u011br. Dal\u0161\u00ed mo\u017enost\u00ed, kterou maj\u00ed ale jen n\u011bkte\u0159\u00ed, je \u00fav\u011br […]","datePublished":"2020-01-03","dateModified":"2020-01-03","author":{"@type":"Person","@id":"https:\/\/www.audea.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.audea.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6b1978a802e1d2522476d4f1a954a19e989b74ba84b3e15a182efb651cc75097?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6b1978a802e1d2522476d4f1a954a19e989b74ba84b3e15a182efb651cc75097?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"audea.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.audea.cz\/wp-content\/uploads\/img_a378899_w2946_t1590131186.jpg","url":"https:\/\/www.audea.cz\/wp-content\/uploads\/img_a378899_w2946_t1590131186.jpg","height":0,"width":0},"url":"https:\/\/www.audea.cz\/co-je-registr-dluzniku-a-jak-se-z-nej-dostat\/","about":["Slu\u017eby"],"wordCount":448,"articleBody":"   Hypot\u00e9ka je \u00fa\u010delov\u00fd \u00fav\u011br, kter\u00fd m\u016f\u017eete vyu\u017e\u00edt na koupi bytu \u010di domu, stavbu nov\u00e9ho domu nebo rekonstrukci. Podm\u00ednkou je zaps\u00e1n\u00ed tzv. z\u00e1stavn\u00edho pr\u00e1va k nemovitosti. V \u010cech\u00e1ch m\u00e1te mo\u017enost zvolit si jednu ze dvou mo\u017enost\u00ed, a to klasick\u00fd nebo americk\u00fd \u00fav\u011br. Dal\u0161\u00ed mo\u017enost\u00ed, kterou maj\u00ed ale jen n\u011bkte\u0159\u00ed, je \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed. Na ten ale mus\u00edte spo\u0159it alespo\u0148 dva roky. D\u016fvodem pro zam\u00edtnut\u00ed \u017eadatele ze strany bankovn\u00ed spole\u010dnosti je n\u011bkolik. \u010casto se jedn\u00e1 o n\u00edzk\u00fd p\u0159\u00edjem, tedy n\u00edzkou solventnost. Dal\u0161\u00ed je s t\u00edm spojen\u00fd, a to je z\u00e1znam jako dlu\u017en\u00edka. Pr\u00e1v\u011b ten m\u016f\u017ee \u017e\u00e1dost hodn\u011b zkomplikovat, proto\u017ee klasick\u00e9 banky v\u011bt\u0161inou nepovoluj\u00ed \u017e\u00e1dnou toleranci. O co jde? V \u010cesk\u00e9 republice existuje n\u011bkolik syst\u00e9m\u016f, kter\u00e9 instituce vyu\u017e\u00edvaj\u00ed k  tom mu, aby zjistili spolehlivost sv\u00fdch budouc\u00edch klient\u016f. Podle toho posuzuj\u00ed, zda je schv\u00e1lit nebo odm\u00edtnout a zda je za\u0159adit mezi sv\u00e9 klienty nebo ne. Vyu\u017e\u00edvaj\u00ed t\u0159i syst\u00e9my:  Bankovn\u00ed registr klientsk\u00fdch informac\u00ed (CBCB), Nebankovn\u00ed registr klientsk\u00fdch informac\u00ed (CNCB), Solus. V p\u0159\u00edpad\u011b v\u0161ech t\u0159\u00ed se jedn\u00e1 o \u00fadaje, kter\u00e9 sd\u00edl\u00ed spole\u010dnosti mezi sebou proto, aby se mohli ochr\u00e1nit p\u0159ed nesolventn\u00edmi a nespolehliv\u00fdmi klienty. Najdete ale i instituce, kte\u0159\u00ed se podle toho p\u0159\u00edli\u0161 ne\u0159\u00edd\u00ed. Mo\u017en\u00e9 \u0159e\u0161en\u00ed Hypot\u00e9ky bez registru https:\/\/www.americka-nebankovni-hypoteka.cz\/hypoteka_bez_registru\/ jsou \u00fa\u017easnou mo\u017enost\u00ed pro v\u0161echny, kdo v minulosti \u0161l\u00e1pli vedle. Samoz\u0159ejm\u011b to neznamen\u00e1, \u017ee se na z\u00e1znamy v\u016fbec ned\u00edvaj\u00ed. Na rozd\u00edl od klasick\u00e9 spole\u010dnosti jsou ale mnohem tolerantn\u011bj\u0161\u00ed. To znamen\u00e1, \u017ee v\u00e1s neodm\u00edtnou. Po\u010d\u00edtat ale mus\u00edte s vy\u0161\u0161\u00edm \u00farokem, kter\u00fd je cenou za to, \u017ee jste d\u0159\u00edv nespl\u00e1celi v po\u0159\u00e1dku.   Doba setrv\u00e1n\u00ed a mo\u017enost v\u00fdpisu Pokud jste ji\u017e vedeni v registru, je mo\u017en\u00fd za\u017e\u00e1dat si o v\u00fdpis, jak jste na tom a kolik vlastn\u011b dlu\u017e\u00edte. T\u00edm si pot\u00e9 m\u016f\u017eete za\u0159\u00eddit hypot\u00e9ku bez registru, kdy by V\u00e1m to mohlo pomoc a kone\u010dn\u011b se dostat z finan\u010dn\u00edch pot\u00ed\u017e\u00ed. Solus eviduje h\u0159\u00ed\u0161n\u00edky po dobu t\u0159\u00ed let, ostatn\u00ed po dobu\u010dty\u0159 let. P\u0159ed n\u00e1v\u0161t\u011bvou instituce je ide\u00e1ln\u00ed za\u017e\u00e1dat o v\u00fdpis ze v\u0161ech syst\u00e9m\u016f. Tento v\u00fdpis pot\u00e9 m\u016f\u017eete vz\u00edt a p\u0159edlo\u017eit ho spole\u010dn\u011b se \u017e\u00e1dost\u00ed o \u00fav\u011br.                                                                                                                                                                                                                                                                                                                                                                                                  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