\u010cesk\u00e1 bankovn\u00ed asociace doporu\u010dila bank\u00e1m, aby klient\u016fm umo\u017enily odklad spl\u00e1tek u hypote\u010dn\u00edch a ostatn\u00edch \u00fav\u011br\u016f. O t\u0159\u00edm\u011bs\u00ed\u010dn\u00ed odklad spl\u00e1tek mohou po\u017e\u00e1dat klienti, kte\u0159\u00ed p\u0159i\u0161li o \u010d\u00e1st nebo cel\u00fd zdroj p\u0159\u00edjm\u016f.<\/p>\n\n\n\n
Mimo\u0159\u00e1dn\u00e1 situace zp\u016fsoben\u00e1 koronavirem Jak spl\u00e1cet hypot\u00e9ku? M\u016f\u017eete v dob\u011b finan\u010dn\u00ed t\u00edsn\u011b zp\u016fsoben\u00e9 mimo\u0159\u00e1dnou situac\u00ed z d\u016fvodu ohro\u017een\u00ed koronavirem \u017e\u00e1dat o odklad spl\u00e1tek? Ano!<\/p>\n\n\n\n Dohoda bank o odkladu spl\u00e1tek Odklad spl\u00e1tek nen\u00ed automatick\u00fd a neplat\u00ed pro v\u0161echny klienty. O odklad spl\u00e1tek mus\u00edte banku po\u017e\u00e1dat a z\u00e1rove\u0148 prok\u00e1zat (dolo\u017eit) d\u016fvod \u017e\u00e1dosti. Banky budou ka\u017edou \u017e\u00e1dost posuzovat individu\u00e1ln\u011b. <\/p>\n\n\n\n Sporn\u00e9 body v postupech bank Jak po\u017e\u00e1dat o odklad spl\u00e1tek<\/strong> Kdo m\u00e1 n\u00e1rok na odklad spl\u00e1tek: Kdy podat \u017e\u00e1dost<\/strong> Konkr\u00e9tn\u00ed pravidla nastavuj\u00ed banky v souladu s intern\u00edmi p\u0159edpisy. Konkr\u00e9tn\u00ed postup v\u00e1m up\u0159esn\u00ed pracovn\u00edci jednotliv\u00fdch bank. <\/p>\n","protected":false},"excerpt":{"rendered":" \u010cesk\u00e1 bankovn\u00ed asociace doporu\u010dila bank\u00e1m, aby klient\u016fm umo\u017enily odklad spl\u00e1tek u hypote\u010dn\u00edch a ostatn\u00edch \u00fav\u011br\u016f. O t\u0159\u00edm\u011bs\u00ed\u010dn\u00ed odklad spl\u00e1tek mohou po\u017e\u00e1dat klienti, kte\u0159\u00ed p\u0159i\u0161li o \u010d\u00e1st nebo cel\u00fd zdroj p\u0159\u00edjm\u016f. Mimo\u0159\u00e1dn\u00e1 situace zp\u016fsoben\u00e1 koronaviremKoronavir ohro\u017euje nejen zdrav\u00ed obyvatel, ale i zdroje jejich p\u0159\u00edjm\u016f. Tis\u00edce provozoven bylo uzav\u0159eno nebo funguje v omezen\u00e9m re\u017eimu. Podniky ukon\u010duj\u00ed v\u00fdrobu. Zam\u011bstnanci […]<\/p>\n","protected":false},"author":1,"featured_media":838,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"pgc_sgb_lightbox_settings":"","footnotes":""},"categories":[13],"tags":[],"class_list":["post-837","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-clanky"],"acf":[],"yoast_head":"\n
<\/strong>Koronavir ohro\u017euje nejen zdrav\u00ed obyvatel, ale i zdroje jejich p\u0159\u00edjm\u016f. Tis\u00edce provozoven bylo uzav\u0159eno nebo funguje v omezen\u00e9m re\u017eimu. Podniky ukon\u010duj\u00ed v\u00fdrobu. Zam\u011bstnanci p\u0159ich\u00e1zej\u00ed o velkou \u010d\u00e1st p\u0159\u00edjm\u016f z d\u016fvodu o\u0161et\u0159ovn\u00e9ho na d\u011bti. Mnoho lid\u00ed je v karant\u00e9n\u011b nebo posti\u017eeno onemocn\u011bn\u00edm. <\/p>\n\n\n\n
<\/strong>Na z\u00e1klad\u011b doporu\u010den\u00ed \u010cesk\u00e9 bankovn\u00ed asociace budou banky souhlasit se \u017e\u00e1dostmi o mimo\u0159\u00e1dn\u00e9 odlo\u017een\u00ed spl\u00e1tek, a to a\u017e o t\u0159i m\u011bs\u00edce. O odklad spl\u00e1tek m\u016f\u017eete po\u017e\u00e1dat, pokud spl\u00e1c\u00edte hypote\u010dn\u00ed nebo spot\u0159ebitelsk\u00fd \u00fav\u011br. Na odklad spl\u00e1tek budou p\u0159istupovat i stavebn\u00ed spo\u0159itelny nebo nebankovn\u00ed spole\u010dnosti. <\/p>\n\n\n\n
<\/strong>Banky se dosud neshodly na postupu, zda budou klient\u016fm po dobu t\u0159\u00ed m\u011bs\u00edc\u016f \u00fa\u010dtovat \u00faroky z \u00fav\u011bru a dal\u0161\u00ed poplatky. Z\u00e1rove\u0148 nepanuje shoda ohledn\u011b mo\u017en\u00e9ho z\u00e1pisu do bankovn\u00edho registru. Odklad spl\u00e1tek z d\u016fvodu koronaviru se podle n\u011bkter\u00fdch bank do registru dlu\u017en\u00edk\u016f zap\u00ed\u0161e, ale ne jako negativn\u00ed z\u00e1znam, kter\u00fd by klienta po\u0161kodil v budoucnu. <\/p>\n\n\n\n
\u0158ada bank u\u017e na sv\u00fdch internetov\u00fdch str\u00e1nk\u00e1ch zve\u0159ejnila formul\u00e1\u0159, prost\u0159ednictv\u00edm kter\u00e9ho m\u016f\u017eete o odklad spl\u00e1tek po\u017e\u00e1dat. Ostatn\u00ed banky vyz\u00fdvaj\u00ed, abyste je kontaktovali e-mailem. Ka\u017edou \u017e\u00e1dost je nutn\u00e9 bance dolo\u017eit. <\/p>\n\n\n\n
<\/strong>– osoba, kter\u00e1 koronavirem onemocn\u011bla nebo je v karant\u00e9n\u011b
– osoba, kter\u00e1 nepracuje z d\u016fvodu p\u0159ek\u00e1\u017eky na stran\u011b zam\u011bstnavatele
– osoba pob\u00edraj\u00edc\u00ed o\u0161et\u0159ovn\u00e9 na d\u00edt\u011b
– OSV\u010c, kter\u00e9 poklesly p\u0159\u00edjmy z d\u016fvodu uzav\u0159en\u00ed provozovny <\/p>\n\n\n\n
O odkladu spl\u00e1tek se uva\u017euje od p\u0159\u00ed\u0161t\u00edho m\u011bs\u00edce (dubna). \u017d\u00e1dost o odklad spole\u010dn\u011b s dolo\u017een\u00edm n\u00e1roku pos\u00edlejte bank\u00e1m minim\u00e1ln\u011b 10 dn\u00ed p\u0159ed term\u00ednem spl\u00e1tky. Z\u00e1rove\u0148 je nutn\u00e9, abyste v dan\u00e9 dob\u011b nic nedlu\u017eili. OSV\u010c mus\u00ed m\u00edt aktivn\u00ed \u017eivnost je\u0161t\u011b p\u0159ed datem vyhl\u00e1\u0161en\u00ed mimo\u0159\u00e1dn\u00e9ho stavu.<\/p>\n\n\n\n