{"id":10002,"date":"2024-03-27T13:00:00","date_gmt":"2024-03-27T12:00:00","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=10002"},"modified":"2026-01-22T14:13:08","modified_gmt":"2026-01-22T13:13:08","slug":"zaznam-v-registru-dluzniku-kdy-vam-pomuze-s-zadosti-o-hypoteku","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/zaznam-v-registru-dluzniku-kdy-vam-pomuze-s-zadosti-o-hypoteku\/","title":{"rendered":"Z\u00e1znam v registru dlu\u017en\u00edk\u016f: Kdy v\u00e1m pom\u016f\u017ee s \u017e\u00e1dost\u00ed o hypot\u00e9ku?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Co je to registr dlu\u017en\u00edk\u016f<\/h2>\n\n\n\n<p>Registr dlu\u017en\u00edk\u016f je datab\u00e1ze <strong>shroma\u017e\u010fuj\u00edc\u00ed informace o lidech a firm\u00e1ch, kte\u0159\u00ed sv\u00e9 <a href=\"https:\/\/skippay.cz\/blog\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\/\">dluhy<\/a> pravideln\u011b spl\u00e1c\u00ed, i o t\u011bch, co maj\u00ed se spl\u00e1cen\u00edm probl\u00e9m.<\/strong> Mezi hlavn\u00ed <a href=\"https:\/\/skippay.cz\/blog\/jak-branime-zadluzovani-nasich-klientu\/\">\u00fav\u011brov\u00e9 registry<\/a> pat\u0159\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bankovn\u00ed registr klientsk\u00fdch informac\u00ed (BRKI),<\/li>\n\n\n\n<li>Nebankovn\u00ed registr klientsk\u00fdch informac\u00ed (NRKI),<\/li>\n\n\n\n<li>Centr\u00e1ln\u00ed registr dlu\u017en\u00edk\u016f,<\/li>\n\n\n\n<li>SOLUS,<\/li>\n\n\n\n<li>Centr\u00e1ln\u00ed registr \u00fav\u011br\u016f \u010cNB.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Pozitivn\u00ed z\u00e1znam v registru<\/h2>\n\n\n\n<p>Spl\u00e1c\u00edte sv\u00e9 z\u00e1vazky v\u017edy v\u010das? To se v\u00e1m m\u016f\u017ee vyplatit! Pozitivn\u00ed \u00fav\u011brov\u00e1 historie o v\u00e1s prozrad\u00ed, \u017ee jste spolehliv\u00ed, a dal\u0161\u00ed <a href=\"https:\/\/skippay.cz\/pujcka\">p\u016fj\u010dku<\/a> m\u016f\u017eete m\u00edt schv\u00e1lenou rychleji nebo s lep\u0161\u00edmi podm\u00ednkami.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Negativn\u00ed z\u00e1znam v registru<\/h2>\n\n\n\n<p>Stalo se v\u00e1m, \u017ee na spl\u00e1tku <a href=\"https:\/\/skippay.cz\/blog\/jak-vybrat-vyhodny-spotrebitelsky-uver\/\">p\u016fj\u010dky<\/a>, platbu telefonn\u00edmu oper\u00e1torovi nebo \u00fahradu nedoplatku elekt\u0159iny nezbyly pen\u00edze? I kdyby \u0161lo jen o v\u00fdjimku, m\u016f\u017ee se tato informace v \u00fav\u011brov\u00e9m registru objevit a zkomplikovat v\u00e1m t\u0159eba \u017e\u00e1dost o hypot\u00e9ku.<\/p>\n\n\n<div class=\"su-box su-box-style-default\" id=\"\" style=\"border-color:#009f63;border-radius:3px;max-width:none\"><div class=\"su-box-title\" style=\"background-color:#19D296;color:#FFFFFF;border-top-left-radius:1px;border-top-right-radius:1px\">TIP!<\/div><div class=\"su-box-content su-u-clearfix su-u-trim\" style=\"border-bottom-left-radius:1px;border-bottom-right-radius:1px\">TIP: P\u0159id\u011bl\u00e1v\u00e1 v\u00e1m napjat\u00fd rozpo\u010det vr\u00e1sky na \u010dele? Po\u0159i\u010fte si bezplatn\u00fd <a href=\"https:\/\/skippay.cz\/balicky\">bal\u00ed\u010dek MAXI<\/a> a m\u011bjte k dispozici pen\u00edze pro ka\u017edodenn\u00ed n\u00e1kupy i pro str\u00fd\u010dka p\u0159\u00edhodu. Z\u00edsk\u00e1te a\u017e 50 dn\u00ed na zaplacen\u00ed s limitem a\u017e 50 000 K\u010d. M\u016f\u017eete tak bez obav platit kartou, vyb\u00edrat z bankomatu nebo pos\u00edlat pen\u00edze na jin\u00fd \u00fa\u010det a\u017e do v\u00fd\u0161e sv\u00e9ho limitu.<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Jak zjistit z\u00e1znam v registru dlu\u017en\u00edk\u016f<\/h2>\n\n\n\n<p>Zaj\u00edm\u00e1 v\u00e1s, jestli nem\u00e1te z\u00e1pis v n\u011bkter\u00e9m z registru dlu\u017en\u00edk\u016f? Za poplatek si m\u016f\u017eete po\u017e\u00e1dat o v\u00fdpis.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>JAK VYMAZAT Z\u00c1ZNAM Z REGISTRU DLU\u017dN\u00cdK\u016e<br><br>Doplatili jste dlu\u017enou \u010d\u00e1stku v prodlen\u00ed a mysl\u00edte si, \u017ee m\u00e1te vystar\u00e1no? Opak je pravdou. K vymaz\u00e1n\u00ed \u00fadaj\u016f z registru dlu\u017en\u00edk\u016f nedoch\u00e1z\u00ed ihned po splacen\u00ed pohled\u00e1vky, ale tato informace tam m\u016f\u017ee ze z\u00e1kona z\u016fstat a\u017e 5 let. Pokud u\u017e z\u00e1konn\u00e1 doba na v\u00fdmaz uplynula a v\u00e1\u0161 z\u00e1znam v registru st\u00e1le p\u0159etrv\u00e1v\u00e1, obra\u0165te se na p\u0159\u00edslu\u0161n\u00fd registr a po\u017e\u00e1dejte o n\u00e1pravu.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Kv\u016fli \u017e\u00e1dosti o hypot\u00e9ku si bal\u00ed\u010dek MAXI ru\u0161it nemus\u00edte<\/h2>\n\n\n\n<p>Ru\u0161\u00edte kv\u016fli \u017e\u00e1dosti o hypot\u00e9ku v\u0161echny sv\u00e9 \u00fav\u011brov\u00e9 produkty? To nen\u00ed v\u017edy nutn\u00e9. Pokud je bez probl\u00e9mu spl\u00e1c\u00edte, banka v\u00e1s v registrech vid\u00ed jako spolehliv\u00e9ho \u010dlov\u011bka a va\u0161i \u0161anci na schv\u00e1len\u00ed hypot\u00e9ky to m\u016f\u017ee naopak pozitivn\u011b ovlivnit.<\/p>\n\n\n\n<p>Pot\u0159ebujete p\u0159ece jen zv\u00fd\u0161it svou bonitu? Bal\u00ed\u010dek MAXI neru\u0161te, znovu u\u017e byste si ho po\u0159\u00eddit nemohli.<strong>V\u00e1\u0161 limit na n\u00e1kupy v\u00e1m b\u011bhem schvalov\u00e1n\u00ed hypot\u00e9ky m\u016f\u017eeme sn\u00ed\u017eit. <\/strong>Nep\u0159ijdete tak t\u0159eba o <a href=\"https:\/\/skippay.cz\/pojisteni\" type=\"link\" id=\"https:\/\/skippay.cz\/pojisteni\">poji\u0161t\u011bn\u00ed proti rozbit\u00ed a kr\u00e1de\u017ei <\/a>na u\u017e zakoupen\u00e9 zbo\u017e\u00ed a o dal\u0161\u00ed v\u00fdhody nakupov\u00e1n\u00ed se Skip Pay. Limit si m\u016f\u017eete pozd\u011bji zase nav\u00fd\u0161it.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Prost\u0159ednictv\u00edm \u00fav\u011brov\u00fdch registr\u016f si banky i nebankovn\u00ed instituce p\u0159ed\u00e1vaj\u00ed data o platebn\u00ed mor\u00e1lce sv\u00fdch klient\u016f. C\u00edlem \u00fav\u011brov\u00fdch registr\u016f je ochr\u00e1nit poskytovatele p\u016fj\u010dek\/slu\u017eeb i klienty p\u0159ed nesplacen\u00fdmi z\u00e1vazky.<\/p>\n","protected":false},"author":30,"featured_media":10005,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[157,2304,2359],"class_list":["post-10002","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-financni-gramotnost","tag-finance","tag-pujcky","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Z\u00e1znam v registru dlu\u017en\u00edk\u016f: Kdy pom\u016f\u017ee s hypot\u00e9kou? | Skip Pay<\/title>\n<meta name=\"description\" content=\"Uv\u011brov\u00fd registr uchov\u00e1v\u00e1 data o platebn\u00ed mor\u00e1lce klient\u016f. 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