[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/offreud.cz\/postup-pri-uverovani\/#Article","mainEntityOfPage":"https:\/\/offreud.cz\/postup-pri-uverovani\/","headline":"Postup p\u0159i \u00fav\u011brov\u00e1n\u00ed","name":"Postup p\u0159i \u00fav\u011brov\u00e1n\u00ed","description":"1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00davodn\u00ed sch\u016fzka\u2013 zji\u0161t\u011bn\u00ed podm\u00ednek, v\u00fd\u0161i \u00fav\u011bru, vymezen\u00ed podklad\u016f. \u00dadaje banky z\u00edsk\u00e1vaj\u00ed z\u00a0\u00fav\u011brov\u00fdch registr\u016f. 2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u017d\u00e1dost o \u00fav\u011br\u2013 pod\u00e1v\u00e1 se, jestli\u017ee banka vyslovila p\u0159edb\u011b\u017en\u00fd souhlas, p\u0159ikl\u00e1d\u00e1 se dokumentace, kter\u00e1 obsahuje: a.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Zaji\u0161t\u011bn\u00ed \u00fav\u011bru \u2013proti nespl\u00e1cen\u00ed, banka zji\u0161\u0165uje dostate\u010dnost ru\u010den\u00ed, nej\u010dast\u011bji se vyu\u017e\u00edv\u00e1 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 i.\u00a0\u00a0\u00a0\u00a0\u00a0 Z\u00e1stava majetkem\u2013 movitost: banka majetek prod\u00e1, t\u00edm uhrad\u00ed dlu\u017enou \u010d\u00e1stku, nemovitost: […]","datePublished":"2025-03-05","dateModified":"2025-03-05","author":{"@type":"Person","@id":"https:\/\/offreud.cz\/author\/#Person","name":"","url":"https:\/\/offreud.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"offreud.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/offreud.cz\/wp-content\/uploads\/img_a319469_w1773_t1530515398.jpg","url":"https:\/\/offreud.cz\/wp-content\/uploads\/img_a319469_w1773_t1530515398.jpg","height":0,"width":0},"url":"https:\/\/offreud.cz\/postup-pri-uverovani\/","wordCount":565,"articleBody":"1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00davodn\u00ed sch\u016fzka\u2013 zji\u0161t\u011bn\u00ed podm\u00ednek, v\u00fd\u0161i \u00fav\u011bru, vymezen\u00ed podklad\u016f. \u00dadaje banky z\u00edsk\u00e1vaj\u00ed z\u00a0\u00fav\u011brov\u00fdch registr\u016f.2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u017d\u00e1dost o \u00fav\u011br\u2013 pod\u00e1v\u00e1 se, jestli\u017ee banka vyslovila p\u0159edb\u011b\u017en\u00fd souhlas, p\u0159ikl\u00e1d\u00e1 se dokumentace, kter\u00e1 obsahuje:a.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Zaji\u0161t\u011bn\u00ed \u00fav\u011bru \u2013proti nespl\u00e1cen\u00ed, banka zji\u0161\u0165uje dostate\u010dnost ru\u010den\u00ed, nej\u010dast\u011bji se vyu\u017e\u00edv\u00e1\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 i.\u00a0\u00a0\u00a0\u00a0\u00a0 Z\u00e1stava majetkem\u2013 movitost: banka majetek prod\u00e1, t\u00edm uhrad\u00ed dlu\u017enou \u010d\u00e1stku, nemovitost: odhad soudn\u00edm znalcem, doklad o vlastnictv\u00ed, poji\u0161t\u011bn\u00ed, cese: postoupen\u00ed pohled\u00e1vek, banka si vyb\u00edr\u00e1 dle splatnosti, v\u00fd\u0161e a dobytnosti, vinkulace: zablokov\u00e1n\u00ed pen\u011bz na \u00fa\u010dtu\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 ii.\u00a0\u00a0\u00a0\u00a0\u00a0 Z\u00e1ruka\u2013 poskytovatel z\u00e1ruky se zavazuje spl\u00e1cet, v\u00a0p\u0159\u00edpad\u011b insolventnosti \u017eadatele z\u00e1vazek uhrad\u00ed:1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ru\u010ditel \u2013 FO\/PO2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 St\u00e1t \u2013 v\u00fdjime\u010dn\u00e9 p\u0159\u00edpady celost\u00e1tn\u00edho v\u00fdznamu, pova\u017eov\u00e1no za zcela spolehliv\u00e93.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Banka \u2013 poskytov\u00e1no prvot\u0159\u00eddn\u00edm klient\u016fm, jde sp\u00ed\u0161e o poskytnut\u00ed jm\u00e9na banky\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 iii.\u00a0\u00a0\u00a0\u00a0\u00a0 Poji\u0161t\u011bn\u00ed proti nespl\u00e1cen\u00ed \u2013smlouva m\u016f\u017ee obsahovat sankce v\u00a0p\u0159\u00edpad\u011b nespl\u00e1cen\u00edb.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Finan\u010dn\u00ed situace \u017eadatele (bonita) \u2013FO zam\u011bstnanec doklad o v\u00fd\u0161i p\u0159\u00edjmu, FOpodnikatel da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, PO rozvahu, v\u00fdkaz o cashflow, v\u00fdkaz zisk\u016f a ztr\u00e1tc.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00da\u010del \u00fav\u011bru\u2013 podnikatelsk\u00fd z\u00e1m\u011br, doklady o uva\u017eovan\u00e9 koupi atd. Je mo\u017eno po\u017e\u00e1dat o ne\u00fa\u010delov\u00fd \u00fav\u011br, kter\u00fd je omezen \u010d\u00e1stkou3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Poskytnut\u00ed \u00fav\u011bru, smlouva o \u00fav\u011bru \u2013p\u00edsemn\u00e1 smlouv\u00e1, jestli\u017ee se nejedn\u00e1 o jednor\u00e1zov\u00fd n\u00e1kup, poskytuj\u00ed se pen\u00edze postupn\u011b (nap\u0159. f\u00e1ze stavby)4.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kontrola pln\u011bn\u00ed- banka pr\u016fb\u011b\u017en\u011b kontroluje v\u010dasn\u00e9 spl\u00e1cen\u00ed \u00fav\u011bru v\u010detn\u011b \u00farok\u016f dle spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e, po dohod\u011b m\u016f\u017ee prov\u00e9st ur\u010dit\u00e9 zm\u011bny (prodlou\u017een\u00ed doby splatnosti, v\u00fd\u0161e \u00farokov\u00e9 sazby), v\u00a0p\u0159\u00edpad\u011b nepln\u011bn\u00ed m\u016f\u017ee vyu\u017e\u00edt sankc\u00ed\tRPSN \u2013 RO\u010cN\u00cd PROCENTN\u00cd SAZBA N\u00c1KLAD\u016eUd\u00e1v\u00e1 procentn\u00ed pod\u00edl z dlu\u017en\u00e9 \u010d\u00e1stky, kter\u00fd mus\u00ed spot\u0159ebitel zaplatit za jeden rok v\u00a0souvislosti se spl\u00e1tkami, spr\u00e1vou a dal\u0161\u00edmi v\u00fddaji spojen\u00fdmi s\u00a0\u010derp\u00e1n\u00edm \u00fav\u011bru. Zahrnuje v\u0161echny platby spojen\u00e9 s\u00a0\u00fav\u011brem (poplatky za uzav\u0159en\u00ed smlouvy, poplatky za veden\u00ed \u00fa\u010dtu, p\u0159evody pen\u011bz\u2026)\u00a0\t\u00a0 Ostatn\u00ed \u010dinnost bankyBanka nab\u00edz\u00ed i mnoho dal\u0161\u00edch slu\u017eeb, mezi kter\u00e9 pat\u0159\u00ed:–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Vkladov\u00e9 slu\u017eby–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Poskytov\u00e1n\u00ed bankovn\u00edch z\u00e1ruk (banka se zavazuje, \u017ee uspokoj\u00ed pohled\u00e1vku v\u011b\u0159itele, jestli\u017ee dlu\u017en\u00edk nebude schopen dost\u00e1t sv\u00fdch z\u00e1vazk\u016f)–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Poradensk\u00e1 \u010dinnost–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Poskytov\u00e1n\u00ed informac\u00ed (banka poskytne informace o zahrani\u010dn\u00edm nebo tuzemsk\u00e9m obchodu)–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Faktoring (odkup kr\u00e1tkodob\u00fdch pohled\u00e1vek p\u0159ed dobou splatnosti, prov\u00e1d\u00ed faktoringov\u00e9 spole\u010dnosti, v\u00fdhodou pro v\u011b\u0159itele je z\u00edsk\u00e1n\u00ed pen\u011bz hned, zbav\u00ed se n\u00e1klad\u016f spojen\u00fdch s\u00a0evidenc\u00ed a vym\u00e1h\u00e1n\u00edm pohled\u00e1vky, stejn\u011b tak i rizika, \u017ee se pohled\u00e1vka stane nedobytnou)–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Forfaiting (odkup st\u0159edn\u011bdob\u00fdch a dlouhodob\u00fdch pohled\u00e1vek, faktoringov\u00e9 spole\u010dnosti inkasuj\u00ed vy\u0161\u0161\u00ed poplatek za poskytnut\u00ed slu\u017eeb kv\u016fli rizikovosti)–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Leasing (pron\u00e1jem, kter\u00fd zaji\u0161\u0165uj\u00ed leasingov\u00e9 spole\u010dnosti, operativn\u00ed (kr\u00e1tkodob\u00fd)\/ finan\u010dn\u00ed (dlouhodob\u00fd, doba pron\u00e1jmu = doba \u017eivotnosti))–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pron\u00e1jem bezpe\u010dnostn\u00edch schr\u00e1nek                                                                                                                                                                                                                                                                                                                                                                                                Postup p\u0159i \u00fav\u011brov\u00e1n\u00ed"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Postup p\u0159i \u00fav\u011brov\u00e1n\u00ed","item":"https:\/\/offreud.cz\/postup-pri-uverovani\/#breadcrumbitem"}]}]