{"id":11666,"date":"2019-10-26T19:03:51","date_gmt":"2019-10-26T18:03:51","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?post_type=encyclopedia&amp;p=947"},"modified":"2019-10-26T19:03:51","modified_gmt":"2019-10-26T18:03:51","slug":"bonita","status":"publish","type":"pojem","link":"https:\/\/skippay.cz\/blog\/slovnik-pojmu\/pismeno-b\/bonita\/","title":{"rendered":"Bonita"},"content":{"rendered":"\n<p> Bonita je faktor, podle kter\u00e9ho banky a jin\u00e9 finan\u010dn\u00ed instituce hodnot\u00ed <strong>d\u016fv\u011bryhodnost klienta<\/strong>, v&nbsp;u\u017e\u0161\u00edm pojet\u00ed jeho schopnost <a href=\"https:\/\/skippay.cz\/nakup-na-splatky\">spl\u00e1cet<\/a>. M\u016f\u017ee se jednat o jednotlivce, ale tak\u00e9 o firmu, obec \u010di st\u00e1t. Obecn\u011b plat\u00ed, \u017ee \u010d\u00edm vy\u0161\u0161\u00ed je bonita klienta, t\u00edm ni\u017e\u0161\u00ed dostane na \u00fav\u011br \u00farok.<\/p>\n\n\n\n<p>Jedn\u00e1 se o\nkomplexn\u00ed m\u011b\u0159\u00edtko, kter\u00e9 zahrnuje posouzen\u00ed osobn\u00edch i\nfinan\u010dn\u00edch aspekt\u016f. Banka hodnot\u00ed zejm\u00e9na:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>V\u011bk<\/strong>\n\t\u2013 \u010d\u00edm star\u0161\u00ed, t\u00edm v\u011bt\u0161\u00edm rizikem je pro banku poskytnut\u00ed\n\t\u00fav\u011bru\n\t<\/li>\n\n\n\n<li><strong>Pohlav\u00ed<\/strong>\n\t\u2013 mu\u017ei mohou m\u00edt hor\u0161\u00ed platebn\u00ed mor\u00e1lku, \u017eeny v\u00edc z\u00e1vazk\u016f\n\t<\/li>\n\n\n\n<li><strong>Rodinn\u00fd\n\tstav<\/strong> \u2013 \u010d\u00edm v\u00edce d\u011bt\u00ed a jin\u00fdch z\u00e1vazk\u016f m\u00e1 klient, t\u00edm\n\tni\u017e\u0161\u00ed bonita\n\t<\/li>\n\n\n\n<li><strong>Zam\u011bstn\u00e1n\u00ed<\/strong>\n\t\u2013 n\u011bkter\u00e1 zam\u011bstn\u00e1n\u00ed mohou banky preferovat\n\t<\/li>\n\n\n\n<li><strong>Vzd\u011bl\u00e1n\u00ed<\/strong>\n\t\u2013 \u010d\u00edm vy\u0161\u0161\u00ed vzd\u011bl\u00e1n\u00ed, t\u00edm l\u00e9pe pro klienta\n\t<\/li>\n\n\n\n<li><strong>Pravideln\u00e9\n\tp\u0159\u00edjmy<\/strong> \u2013 a\u0165 u\u017e se jedn\u00e1 o v\u00fdplatu, mate\u0159skou \u010di d\u016fchod\n\t<\/li>\n\n\n\n<li><strong>Pravideln\u00e9\n\tv\u00fddaje<\/strong> \u2013 n\u00e1jmy, spo\u0159en\u00ed, leasing a dal\u0161\u00ed z\u00e1vazky, kter\u00e9\n\tmohou klientovi zt\u00ed\u017eit spl\u00e1cen\u00ed\n\t<\/li>\n\n\n\n<li><strong>Platebn\u00ed\n\tmor\u00e1lka<\/strong> \u2013 jestli klient v&nbsp;minulosti spl\u00e1cel v\u0161echny\n\tsv\u00e9 z\u00e1vazky v\u010das\n<\/li>\n<\/ul>\n\n\n\n<p>Faktor\u016f, kter\u00e9 ovliv\u0148uj\u00ed to, jestli banka \u017eadateli poskytne <a href=\"https:\/\/skippay.cz\/pujcky\">\u00fav\u011br<\/a>, je opravdu mnoho. Pokud se stane, \u017ee na n\u011bj z&nbsp;n\u011bjak\u00e9ho d\u016fvodu nedos\u00e1hne, m\u016f\u017ee pomoci \u00fav\u011brov\u00fd spolu\u017eadatel nebo ru\u010ditel.<\/p>\n","protected":false},"template":"","tags":[29],"pismeno":[3264],"class_list":["post-11666","pojem","type-pojem","status-publish","hentry","tag-nakup-na-splatky","pismeno-pismeno-b","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bonita | Skip Pay<\/title>\n<meta name=\"description\" content=\"Bonita je faktor, podle kter\u00e9ho banky a jin\u00e9 finan\u010dn\u00ed instituce hodnot\u00ed d\u016fv\u011bryhodnost klienta, v u\u017e\u0161\u00edm pojet\u00ed jeho schopnost spl\u00e1cet.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skippay.cz\/blog\/slovnik-pojmu\/pismeno-b\/bonita\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bonita | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"Bonita je faktor, podle kter\u00e9ho banky a jin\u00e9 finan\u010dn\u00ed instituce hodnot\u00ed d\u016fv\u011bryhodnost klienta, v u\u017e\u0161\u00edm pojet\u00ed jeho schopnost spl\u00e1cet.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skippay.cz\/blog\/slovnik-pojmu\/pismeno-b\/bonita\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog Skip Pay - 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