[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hifol.sk\/banke-sa-klamat-neoplati\/#Article","mainEntityOfPage":"https:\/\/www.hifol.sk\/banke-sa-klamat-neoplati\/","headline":"Banke sa klama\u0165 neoplat\u00ed","name":"Banke sa klama\u0165 neoplat\u00ed","description":"Ak sa rozhodnete z\u00e1js\u0165 do banky, alebo p\u00f4\u017ei\u010dku vybavi\u0165 telefonicky, jednou z\u00a0prv\u00fdch ot\u00e1zok, ktor\u00fdmi banka zis\u0165uje, \u010di ste schopn\u00ed t\u00fato […]","datePublished":"2019-01-28","dateModified":"2019-01-28","author":{"@type":"Person","@id":"https:\/\/www.hifol.sk\/author\/#Person","name":"","url":"https:\/\/www.hifol.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/3c4e99fa9a9806cd5e8fd7cac6ca73ff5bbf5f3ee309e1745415eebd31482909?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/3c4e99fa9a9806cd5e8fd7cac6ca73ff5bbf5f3ee309e1745415eebd31482909?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hifol.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.hifol.sk\/wp-content\/uploads\/img_a298771_w16801_t1553773546.jpg","url":"https:\/\/www.hifol.sk\/wp-content\/uploads\/img_a298771_w16801_t1553773546.jpg","height":0,"width":0},"url":"https:\/\/www.hifol.sk\/banke-sa-klamat-neoplati\/","wordCount":376,"articleBody":"\tAk sa rozhodnete z\u00e1js\u0165 do banky, alebo p\u00f4\u017ei\u010dku vybavi\u0165 telefonicky, jednou z\u00a0prv\u00fdch ot\u00e1zok, ktor\u00fdmi banka zis\u0165uje, \u010di ste schopn\u00ed t\u00fato finan\u010dn\u00fa p\u00f4\u017ei\u010dku spl\u00e1ca\u0165 je, \u010di ste u\u017e v\u00a0s\u00fa\u010dasnosti zadl\u017een\u00ed. Nep\u00fdtaj\u00fa sa v\u00e1s samozrejme na to, \u010di dl\u017e\u00edte rodi\u010dom za n\u00e1jomn\u00e9, alebo kamar\u00e1tovi za pivo. Ide o\u00a0to, \u010di spl\u00e1cate \u00faver, hypot\u00e9ku, alebo tovar na spl\u00e1tky. Niektor\u00ed \u013eudia si myslia, \u017ee ak t\u00fato inform\u00e1ciu zataja, maj\u00fa v\u00e4\u010d\u0161ie \u0161ance na poskytnutie \u00faveru. To je ale ve\u013ek\u00fd omyl. V\u00a0skuto\u010dnosti si takto iba pohor\u0161\u00edte. V\u0161etky inform\u00e1cie o\u00a0tom, \u010do, ko\u013eko, komu a\u00a0ako dlho spl\u00e1cate, s\u00fa toti\u017e zaznamenan\u00e9 v\u00a0\u00faverovom registri. Ak pri \u017eiadosti t\u00fato inform\u00e1ciu zataj\u00edte, p\u00f4\u017ei\u010dka v\u00e1m m\u00f4\u017ee by\u0165 odmietnut\u00e1 automaticky. No a\u00a0to aj v\u00a0tom pr\u00edpade, \u017ee v\u0161etky ostatn\u00e9 podmienky spln\u00edte.\t\t\u00a0\t\u00daverov\u00fd register na Slovensku prev\u00e1dzkuje spolo\u010dnos\u0165 Slovak Banking Credit Bureau. Jeho podstatou je to, aby mohli jednotliv\u00e9 banky medzi sebou takpovediac komunikova\u0165, respekt\u00edve z\u00edskava\u0165 inform\u00e1cie o\u00a0svojich bud\u00facich klientoch. Ak toti\u017e spl\u00e1cate tri p\u00f4\u017ei\u010dky, alebo pokoje i\u00a0jednu, ale pravidelne me\u0161k\u00e1te so spl\u00e1tkami, banka o\u00a0tom jednoducho chce vedie\u0165 dopredu.\t\u00a0\tV\u00a0\u00faverovom registri nie s\u00fa zaznamenan\u00e9 len inform\u00e1cie o\u00a0tom, \u010di nie\u010do spl\u00e1cate. Banka si vie zisti\u0165 v\u0161etko o\u00a0va\u0161ej platobnej discipl\u00edne, teda \u010di spl\u00e1cate p\u00f4\u017ei\u010dky na \u010das, ko\u013ekokr\u00e1t ste s\u00a0platbou me\u0161kali, alebo to \u010di s\u00a0bankou komunikujete. Zaznamen\u00e1va sa dokonca aj to, ke\u010f sa o\u00a0\u00favere v\u00a0banke iba informujete.\t\u00a0\t\u010co v\u0161etko o\u00a0v\u00e1s banky vedia? \t\u00a0\t\tHypot\u00e9ky\t\tSpotrebn\u00e9 \u00favery\t\tPovolen\u00e9 pre\u010derpanie\t\tKreditn\u00e1 karta ( je jedno \u010di ju pou\u017e\u00edvate alebo nie, sta\u010d\u00ed \u017ee v\u00e1m bola vydan\u00e1)\t\tV\u0161etky \u017eiadosti o\u00a0p\u00f4\u017ei\u010dky\u00a0Ke\u010f\u017ee sa tieto inform\u00e1cie t\u00fdkaj va\u0161ej osoby, m\u00f4\u017eete si kedyko\u013evek zisti\u0165, \u010do v\u0161etko o v\u00e1s takpovediac banky vedia. Konkr\u00e9tne z\u00e1znamy sa vyma\u017e\u00fa po dobe piatich rokov od splatenia poslednej spl\u00e1tky v\u00e1\u0161ho \u00faveru.                                                                                                                                                                                                                                                                                                                                                                                                 "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Banke sa klama\u0165 neoplat\u00ed","item":"https:\/\/www.hifol.sk\/banke-sa-klamat-neoplati\/#breadcrumbitem"}]}]