[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sohm.cz\/neni-pujcka-jako-pujcka\/#Article","mainEntityOfPage":"https:\/\/www.sohm.cz\/neni-pujcka-jako-pujcka\/","headline":"Nen\u00ed p\u016fj\u010dka jako p\u016fj\u010dka","name":"Nen\u00ed p\u016fj\u010dka jako p\u016fj\u010dka","description":"I kdy\u017e jsou nebankovn\u00ed spole\u010dnosti v o\u010d\u00edch mnoha lid\u00ed st\u00e1le nev\u00fdhodn\u00fdmi poskytovateli p\u016fj\u010dek, nab\u00edzej\u00ed mnohdy daleko zaj\u00edmav\u011bj\u0161\u00ed \u00fav\u011brov\u00e9 produkty ne\u017e \u0159ada bank. Co je ale…","datePublished":"2020-10-24","dateModified":"2020-10-24","author":{"@type":"Person","@id":"https:\/\/www.sohm.cz\/author\/#Person","name":"","url":"https:\/\/www.sohm.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b653a05acc9928bc50547a0b6ed51698115bbf59840455a4bc9d337f928ec9d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b653a05acc9928bc50547a0b6ed51698115bbf59840455a4bc9d337f928ec9d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sohm.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sohm.cz\/wp-content\/uploads\/%C5%A1tos%20bankovek.png","url":"https:\/\/www.sohm.cz\/wp-content\/uploads\/%C5%A1tos%20bankovek.png","height":0,"width":0},"url":"https:\/\/www.sohm.cz\/neni-pujcka-jako-pujcka\/","about":["Pen\u00edze"],"wordCount":374,"articleBody":"                                       I kdy\u017e jsou nebankovn\u00ed spole\u010dnosti v o\u010d\u00edch mnoha lid\u00ed st\u00e1le nev\u00fdhodn\u00fdmi poskytovateli p\u016fj\u010dek, nab\u00edzej\u00ed mnohdy daleko zaj\u00edmav\u011bj\u0161\u00ed \u00fav\u011brov\u00e9 produkty ne\u017e \u0159ada bank. Co je ale jejich nespornou v\u00fdhodou, je rychlost schvalovac\u00edho procesu a benevolentn\u00ed podm\u00ednky. Nebankovn\u00ed spole\u010dnosti tak pro mnoho lid\u00ed znamenaj\u00ed jedinou mo\u017enost, jak \u0159e\u0161it nenad\u00e1l\u00fd v\u00fdpadek pen\u011bz a nedostat se do dluhov\u00e9 pasti. Jak\u00e9 jsou dal\u0161\u00ed v\u00fdhody nebankovn\u00edch p\u016fj\u010dek?Bankovn\u00ed p\u016fj\u010dka: zdlouhav\u00fd schvalovac\u00ed proces, v\u00fdhodn\u00e1 \u00farokov\u00e1 sazbaBanky jsou st\u00e1le coby poskytovatel\u00e9 p\u016fj\u010dek pro \u0159adu lid\u00ed nejd\u016fv\u011bryhodn\u011bj\u0161\u00edm subjektem. U \u0159ady \u00fav\u011br\u016f nab\u00edz\u00ed v\u00fdhodnou \u00farokovou sazbu, \u017e\u00e1dn\u00e9 skryt\u00e9 poplatky a neust\u00e1le jsou pod dohledem st\u00e1tn\u00edch instituc\u00ed. Ov\u0161em pokud \u017eadatel pot\u0159ebuje pen\u00edze okam\u017eit\u011b, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed v bance neusp\u011bje. Individu\u00e1ln\u00ed schvalovac\u00ed proces je ur\u010dit\u011b d\u016fkladn\u00fd, ale pro \u017eadatele o \u00fav\u011br ne v\u017edy v\u00fdhodn\u00fd. Pl\u00e1n \u00fav\u011bru v\u00e1m m\u016f\u017ee snadno zhatit i \u0161patn\u00e1 finan\u010dn\u00ed minulost, negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f nebo \u017e\u00e1dn\u00fd \u010di nedostate\u010dn\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem. Dokonce i zku\u0161ebn\u00ed lh\u016fta je d\u016fvodem k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br. Banky jsou opravdu p\u0159i schvalov\u00e1n\u00ed \u017e\u00e1dost\u00ed nekompromisn\u00ed. Mo\u017en\u00e1 je to dob\u0159e, mo\u017en\u00e1 ne. I kdy\u017e se zdaj\u00ed b\u00fdt bankovn\u00ed \u00fav\u011bry opat\u0159eny jen sam\u00fdmi superlativy, jsou v\u00fdhodn\u00e9 jen pro ur\u010dit\u00fd druh \u017eadatel. Pokud tou\u017e\u00edte po vlastn\u00edm bydlen\u00ed, rozhodn\u011b v\u00e1m bankovn\u00ed domy nab\u00eddnou daleko p\u0159\u00edzniv\u011bj\u0161\u00ed nab\u00eddku ne\u017e nebankovn\u00ed spole\u010dnosti. A\u0165 u\u017e americk\u00e1 hypot\u00e9ka nebo hypot\u00e9ka na bydlen\u00ed tak rozhodn\u011b stoj\u00ed za zv\u00e1\u017een\u00ed. Nebankovn\u00ed p\u016fj\u010dka: rychl\u00e9 pen\u00edze, benevolentn\u00ed podm\u00ednkyNebankovn\u00ed spole\u010dnosti jsou zn\u00e1m\u00e9 hlavn\u011b pro sv\u00e9 benevolentn\u00ed podm\u00ednky a rychl\u00fd schvalovac\u00ed proces. Ov\u0161em mo\u017en\u00e1 m\u00e1lo kdo v\u00ed, \u017ee krom rychl\u00fdm p\u016fj\u010dek nab\u00edz\u00ed i nejr\u016fzn\u011bj\u0161\u00ed druhy hypot\u00e9k pr\u00e1v\u011b pro ty, kter\u00fdm banky \u017e\u00e1dost z jak\u00e9hokoliv d\u016fvodu odm\u00edtly.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (17 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nen\u00ed p\u016fj\u010dka jako p\u016fj\u010dka","item":"https:\/\/www.sohm.cz\/neni-pujcka-jako-pujcka\/#breadcrumbitem"}]}]