Pokud \u017e\u00e1d\u00e1te o p\u016fj\u010dku, tak zejm\u00e9na banky, ale i nebankovn\u00ed spole\u010dnosti bude zaj\u00edmat va\u0161e finan\u010dn\u00ed minulost. Pr\u00e1v\u011b ta v\u00fdznamn\u011b ovlivn\u00ed, zda v\u00e1m poskytovatel \u00fav\u011br schv\u00e1l\u00ed \u010di nikoliv. Aby zjistil, jak jste si d\u0159\u00edve v oblasti financ\u00ed vedli, nahl\u00ed\u017e\u00ed do registr\u016f. Co si pod pojmem registr vlastn\u011b p\u0159edstavit a jak ovliv\u0148uje na\u0161i \u017e\u00e1dost o p\u016fj\u010dku?<\/p>\n\n\n\n
Jak seznamy funguj\u00ed?<\/strong><\/p>\n\n\n\n Registr je obrovskou datab\u00e1z\u00ed, ve kter\u00e9 najdeme informace o v\u0161ech fyzick\u00fdch i pr\u00e1vnick\u00fdch osob\u00e1ch, kter\u00e9 kdy za\u017e\u00e1daly o \u00fav\u011br. Do registru m\u00e1 p\u0159\u00edstup ka\u017ed\u00e1 spole\u010dnost poskytuj\u00edc\u00ed \u00fav\u011bry. P\u0159i ov\u011b\u0159ov\u00e1n\u00ed \u00fav\u011bruschopnosti klienta do n\u011bj dan\u00fd poskytovatel nahl\u00ed\u017e\u00ed. Zjist\u00ed tak cenn\u00e9 informace o klientovi, d\u00edky nim\u017e mu n\u00e1sledn\u011b \u017e\u00e1dost schv\u00e1l\u00ed \u010di zam\u00edtne.<\/p>\n\n\n\n Registr\u016f m\u00e1me v\u00edce druh\u016f<\/strong><\/p>\n\n\n\n V \u010cesk\u00e9 republice jsou celkem 3 st\u011b\u017eejn\u00ed seznamy dlu\u017en\u00edk\u016f:<\/p>\n\n\n\n – BRKI (Bankovn\u00ed registr klientsk\u00fdch informac\u00ed), kter\u00fd shroma\u017e\u010fuje data z bank<\/p>\n\n\n\n – NRKI (Nebankovn\u00ed registr klientsk\u00fdch informac\u00ed), kter\u00fd sdru\u017euje informace z nebankovn\u00ed sf\u00e9ry<\/p>\n\n\n\n – SOLUS (Z\u00e1jmov\u00e9 sdru\u017een\u00ed pr\u00e1vnick\u00fdch osob), kter\u00fd eviduje dluhy nejen z p\u016fj\u010dek, ale i p\u0159i neuhrazen\u00ed poplatk\u016f za energie nebo telefon.<\/p>\n\n\n\n Kdy z\u00e1znam vznik\u00e1?<\/strong><\/p>\n\n\n\n Poskytovatel v\u00e1s do registru zap\u00ed\u0161e tehdy, kdy\u017e dojde k uzav\u0159en\u00ed p\u016fj\u010dky a vy za\u010dnete dlu\u017eit. Nicm\u00e9n\u011b n\u011bkdy spole\u010dnost vytvo\u0159\u00ed z\u00e1znam i p\u0159i neschv\u00e1len\u00e9 \u017e\u00e1dosti, aby ostatn\u00ed spole\u010dnosti v\u011bd\u011bly, \u017ee osoba se ji\u017e o n\u011bjak\u00fd \u00fav\u011br uch\u00e1zela.<\/p>\n\n\n\n Charakter z\u00e1znamu ovliv\u0148ujete vy sami<\/strong><\/p>\n\n\n\n Jestli bude z\u00e1znam negativn\u00ed \u010di pozitivn\u00ed z\u00e1le\u017e\u00ed pouze na v\u00e1s. Pokud sv\u00e9 z\u00e1vazky uhrad\u00edte v\u017edy spolehliv\u011b a v\u010das, budete se p\u0159i budouc\u00edch \u017e\u00e1dostech o p\u016fj\u010dku finan\u010dn\u00edm subjekt\u016fm jevit jako d\u016fv\u011bryhodn\u00e1 osoba, kter\u00e9 se nebudou b\u00e1t pen\u00edze p\u016fj\u010dit. Jestli\u017ee se v\u0161ak<\/p>\n\n\n\n s platbami zpozd\u00edte a takov\u00e9 chov\u00e1n\u00ed se bude opakovat, m\u016f\u017ee se st\u00e1t, \u017ee v\u00e1m spole\u010dnost, kterou si vyberete, ji\u017e nebude d\u016fv\u011b\u0159ovat a pen\u00edze v\u00e1m neposkytne.<\/p>\n\n\n\n Jak\u00fd vliv maj\u00ed z\u00e1znamy na dosa\u017eitelnost p\u016fj\u010dky<\/strong><\/p>\n\n\n\n Z\u00e1pis v rejst\u0159\u00edku dlu\u017en\u00edk\u016f je jedn\u00edm z nejd\u016fle\u017eit\u011bj\u0161\u00edch krit\u00e9ri\u00ed, jeliko\u017e z n\u011bj m\u016f\u017ee banka \u010di nebankovn\u00ed spole\u010dnost mnoh\u00e9 vy\u010d\u00edst. Kdy\u017e v registrech nem\u00e1te zapsan\u00fd \u017e\u00e1dn\u00fd v\u00fdrazn\u00fd probl\u00e9m, prom\u00edtne se tento fakt do va\u0161\u00ed bonity kladn\u011b. Vy tak dos\u00e1hnete na \u00fav\u011bry, kter\u00e9 maj\u00ed lep\u0161\u00ed podm\u00ednky \u2013 ni\u017e\u0161\u00ed \u00farok a RPSN. Takov\u00e9 produkty najdeme sp\u00ed\u0161e u bank, nicm\u00e9n\u011b ani u nebankovn\u00edch spole\u010dnost\u00ed nejsou v\u00fdjimkou.<\/p>\n\n\n\n Ne v\u0161echny spole\u010dnosti v\u0161ak z\u00e1pisy v registrech berou v potaz<\/strong><\/p>\n\n\n\n N\u011bkte\u0159\u00ed poskytovatel\u00e9 kladou na informace z rejst\u0159\u00edku dlu\u017en\u00edk\u016f men\u0161\u00ed d\u016fraz. U nebankovn\u00edch spole\u010dnost\u00ed se m\u016f\u017eeme setkat i s p\u016fj\u010dkou bez registru, p\u0159i kter\u00e9 poskytovatel va\u0161im h\u0159\u00edch\u016fm nev\u011bnuje t\u00e9m\u011b\u0159 \u017e\u00e1dnou pozornost. Pokud si tedy nejste jist\u00ed, jestli byste se svou \u00fav\u011brovou histori\u00ed u banky usp\u011bli, a hled\u00e1te p\u016fj\u010dku men\u0161\u00ed v\u00fd\u0161e, vhodn\u00fdm produktem pro v\u00e1s m\u016f\u017ee b\u00fdt nebankovn\u00ed p\u016fj\u010dka<\/a>. Mus\u00edte v\u0161ak po\u010d\u00edtat s vy\u0161\u0161\u00ed \u00farokovou sazbou a celkov\u011b m\u00e9n\u011b v\u00fdhodn\u00fdmi podm\u00ednkami.<\/p>\n","protected":false},"excerpt":{"rendered":" Pokud \u017e\u00e1d\u00e1te o p\u016fj\u010dku, tak zejm\u00e9na banky, ale i nebankovn\u00ed spole\u010dnosti bude zaj\u00edmat va\u0161e finan\u010dn\u00ed minulost. Pr\u00e1v\u011b ta v\u00fdznamn\u011b ovlivn\u00ed, zda v\u00e1m poskytovatel \u00fav\u011br schv\u00e1l\u00ed \u010di nikoliv. Aby zjistil, jak jste si d\u0159\u00edve v oblasti financ\u00ed vedli, nahl\u00ed\u017e\u00ed do registr\u016f. Co si pod pojmem registr vlastn\u011b p\u0159edstavit a jak ovliv\u0148uje na\u0161i \u017e\u00e1dost o p\u016fj\u010dku? Jak […]<\/p>\n","protected":false},"author":1,"featured_media":702,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"class_list":["post-701","post","type-post","status-publish","format-standard","has-post-thumbnail","category-aktualne"],"_links":{"self":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/701","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=701"}],"version-history":[{"count":0,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/701\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/media\/702"}],"wp:attachment":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=701"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=701"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=701"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}