[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.laichman.cz\/podminky-pro-poskytnuti-uveru\/#Article","mainEntityOfPage":"https:\/\/www.laichman.cz\/podminky-pro-poskytnuti-uveru\/","headline":"Podm\u00ednky pro poskytnut\u00ed \u00fav\u011bru","name":"Podm\u00ednky pro poskytnut\u00ed \u00fav\u011bru","description":"P\u0159i \u017e\u00e1dosti o spot\u0159ebitelsk\u00fd \u00fav\u011br je v ka\u017ed\u00e9m p\u0159\u00edpad\u011b nutn\u00e9, aby \u017eadatel uvedl poskytovateli \u00fapln\u00e9 a pravdiv\u00e9 \u00fadaje. Z\u00e1kladem jsou t\u0159i. 1) Identifika\u010dn\u00ed \u00fadaje \u017eadatele. 2) \u00dadaje o osobn\u00edm statusu. 3) Informace o jeho v\u00fddaj\u00edch a p\u0159\u00edjmech. Uveden\u00e9 informace je zapot\u0159eb\u00ed dolo\u017eit p\u00edsemn\u011b listinn\u00fdmi doklady. a) Zam\u011bstnanci – pracovn\u00ed smlouva – v\u00fdplatn\u00ed p\u00e1sky za t\u0159i […]","datePublished":"2018-12-20","dateModified":"2018-12-20","author":{"@type":"Person","@id":"https:\/\/www.laichman.cz\/author\/#Person","name":"","url":"https:\/\/www.laichman.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f677d652d46d6437b40497bee38030612d53a3103b24904f519be33cae485306?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f677d652d46d6437b40497bee38030612d53a3103b24904f519be33cae485306?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"laichman.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.laichman.cz\/wp-content\/uploads\/img_a333122_w1735_t1546272064.jpg","url":"https:\/\/www.laichman.cz\/wp-content\/uploads\/img_a333122_w1735_t1546272064.jpg","height":0,"width":0},"url":"https:\/\/www.laichman.cz\/podminky-pro-poskytnuti-uveru\/","about":["Pen\u00edze"],"wordCount":386,"articleBody":"      P\u0159i \u017e\u00e1dosti o spot\u0159ebitelsk\u00fd \u00fav\u011br je v ka\u017ed\u00e9m p\u0159\u00edpad\u011b nutn\u00e9, aby \u017eadatel uvedl poskytovateli \u00fapln\u00e9 a pravdiv\u00e9 \u00fadaje. Z\u00e1kladem jsou t\u0159i.  1) Identifika\u010dn\u00ed \u00fadaje \u017eadatele. 2) \u00dadaje o osobn\u00edm statusu. 3) Informace o jeho v\u00fddaj\u00edch a p\u0159\u00edjmech. Uveden\u00e9 informace je zapot\u0159eb\u00ed dolo\u017eit p\u00edsemn\u011b listinn\u00fdmi doklady. a) Zam\u011bstnanci – pracovn\u00ed smlouva – v\u00fdplatn\u00ed p\u00e1sky za t\u0159i a\u017e \u0161est m\u011bs\u00edc\u016f – v\u00fdpisy z bankovn\u00edch \u00fa\u010dt\u016f za posledn\u00edch t\u0159i a\u017e \u0161est m\u011bs\u00edc\u016f. b) \u017dadatel\u00e9 na rodi\u010dovsk\u00e9 dovolen\u00e9 nebo ti, kte\u0159\u00ed pob\u00edraj\u00ed starobn\u00ed d\u016fchod  – rozhodnut\u00ed o p\u0159izn\u00e1n\u00ed d\u00e1vky. – rozhodnut\u00ed o vym\u011b\u0159en\u00ed d\u016fchodu. – v\u00fdpisy z bankovn\u00edch \u00fa\u010dt\u016f za posledn\u00edch t\u0159i a\u017e \u0161est m\u011bs\u00edc\u016f. c) \u017dadatel\u00e9 a spolu\u017eadatel\u00e9 OSV\u010c – da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed za posledn\u00ed zda\u0148ovac\u00ed obdob\u00ed nebo vystaven\u00e9 faktury. – v\u00fdpisy z bankovn\u00edch \u00fa\u010dt\u016f za posledn\u00edch t\u0159i a\u017e \u0161est m\u011bs\u00edc\u016f. d) \u017dadatel\u00e9 a spolu\u017eadatel\u00e9, kte\u0159\u00ed pob\u00edraj\u00ed p\u0159\u00edjmy z pron\u00e1jm\u016f – da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed za posledn\u00ed zda\u0148ovac\u00ed obdob\u00ed. – n\u00e1jemn\u00ed smlouva. – v\u00fdpisy z bankovn\u00edch \u00fa\u010dt\u016f za posledn\u00edch t\u0159i a\u017e \u0161est m\u011bs\u00edc\u016f, pop\u0159\u00edpad\u011b p\u0159\u00edjmov\u00e9 doklady za stejn\u00e9 obdob\u00ed. e) \u017dadatel\u00e9 disponuj\u00edc\u00edmi jin\u00fdmi p\u0159\u00edjmy – platn\u00e9 doklady o tomto p\u0159\u00edjmu, co\u017e m\u016f\u017ee znamenat soudn\u00ed rozhodnut\u00ed nebo nap\u0159\u00edklad darovac\u00ed smlouvu. Informace o v\u00fddaj\u00edch jsou rovn\u011b\u017e nezbytn\u00e9 P\u0159\u00ed \u017e\u00e1dosti o spot\u0159ebitelsk\u00fd \u00fav\u011br bude tak\u00e9 zapot\u0159eb\u00ed dolo\u017eit v\u00fddaje, aby bylo mo\u017eno uskute\u010dnit p\u0159esn\u011b posouzen\u00ed konkr\u00e9tn\u00edho p\u0159\u00edpadu. \u00b7 Do t\u011bchto v\u00fddaj\u016f se zapo\u010d\u00edt\u00e1vaj\u00ed v\u00fddaje na – bydlen\u00ed – energii – stravov\u00e1n\u00ed – dom\u00e1cnost.  Dolo\u017eit je lze n\u00e1jemn\u00ed smlouvou, SIPO, fakturami od dodavatel\u016f energi\u00ed a poskytnut\u00fdch slu\u017eeb, \u00fa\u010dtenkami anebo v\u00fdpisem z \u00fa\u010dtu. Pokud m\u00e1te z\u00e1vazky z p\u0159edchoz\u00edho obdob\u00ed, pak je t\u0159eba dolo\u017eit je smlouvami, v\u00fdpisy z \u00fa\u010dtu nebo jin\u00fdmi doklady, o kter\u00e9 v\u00e1s v\u011b\u0159itel po\u017e\u00e1d\u00e1. Z toho tedy plyne, \u017ee hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu neexistuje, jen je prok\u00e1z\u00e1n\u00ed jednoduch\u00e9 a mo\u017en\u00e9 v ka\u017ed\u00e9m p\u0159\u00edpad\u011b.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Podm\u00ednky pro poskytnut\u00ed \u00fav\u011bru","item":"https:\/\/www.laichman.cz\/podminky-pro-poskytnuti-uveru\/#breadcrumbitem"}]}]