[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.labo-net.cz\/rozdily-bankovnich-a-nebankovnich-uveru\/#Article","mainEntityOfPage":"https:\/\/www.labo-net.cz\/rozdily-bankovnich-a-nebankovnich-uveru\/","headline":"Rozd\u00edly bankovn\u00edch a nebankovn\u00edch \u00fav\u011br\u016f","name":"Rozd\u00edly bankovn\u00edch a nebankovn\u00edch \u00fav\u011br\u016f","description":"Nebankovn\u00ed p\u016fj\u010dky si po dlouh\u00e1 l\u00e9ta dr\u017eely pov\u011bst coby nepoctiv\u00fdch \u00fav\u011brov\u00fdch produkt\u016f, kter\u00e9 v sob\u011b skr\u00fdvaj\u00ed nev\u00fdhodn\u00fd \u00farok a \u0159adu poplatk\u016f nav\u00edc. Po novele z\u00e1kona jsou ale mo\u017en\u00e1 posledn\u00ed z\u00e1chrannou stanic\u00ed pro \u0159adu lid\u00ed, kter\u00fdm banky odm\u00edtly pen\u00edze p\u016fj\u010dit. V \u010dem jsou ale nebankovn\u00ed spole\u010dnosti lep\u0161\u00ed ne\u017e bankovn\u00ed domy? Bankovn\u00ed p\u016fj\u010dka jako produkt v\u011bt\u0161iny bank […]","datePublished":"2020-10-24","dateModified":"2023-06-09","author":{"@type":"Person","@id":"https:\/\/www.labo-net.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.labo-net.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/418160ee289a2fec3674f670db35c39ff464fe73fac536520dac7def2cfdeb26?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/418160ee289a2fec3674f670db35c39ff464fe73fac536520dac7def2cfdeb26?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"labo-net.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.labo-net.cz\/wp-content\/uploads\/zlat%C3%A1%20pokladni%C4%8Dka_1.jpg","url":"https:\/\/www.labo-net.cz\/wp-content\/uploads\/zlat%C3%A1%20pokladni%C4%8Dka_1.jpg","height":0,"width":0},"url":"https:\/\/www.labo-net.cz\/rozdily-bankovnich-a-nebankovnich-uveru\/","about":["Finance"],"wordCount":389,"articleBody":"      Nebankovn\u00ed p\u016fj\u010dky si po dlouh\u00e1 l\u00e9ta dr\u017eely pov\u011bst coby nepoctiv\u00fdch \u00fav\u011brov\u00fdch produkt\u016f, kter\u00e9 v sob\u011b skr\u00fdvaj\u00ed nev\u00fdhodn\u00fd \u00farok a \u0159adu poplatk\u016f nav\u00edc. Po novele z\u00e1kona jsou ale mo\u017en\u00e1 posledn\u00ed z\u00e1chrannou stanic\u00ed pro \u0159adu lid\u00ed, kter\u00fdm banky odm\u00edtly pen\u00edze p\u016fj\u010dit. V \u010dem jsou ale nebankovn\u00ed spole\u010dnosti lep\u0161\u00ed ne\u017e bankovn\u00ed domy?Bankovn\u00ed p\u016fj\u010dka jako produkt v\u011bt\u0161iny bankBankovn\u00ed p\u016fj\u010dku je mo\u017en\u00e9 sjednat t\u00e9m\u011b\u0159 ve v\u0161ech na\u0161ich bank\u00e1ch. Je to pochopiteln\u00e9, pr\u00e1v\u011b \u00fav\u011brov\u00e9 produkty jsou hlavn\u00ed ob\u017eivou v\u011bt\u0161iny bank. Ov\u0161em tento druh \u00fav\u011bru vyu\u017eijete hlavn\u011b v p\u0159\u00edpad\u011b, kdy pot\u0159ebujete p\u016fj\u010dit v\u011bt\u0161\u00ed obnos pen\u011bz, a nevad\u00ed v\u00e1m del\u0161\u00ed schvalovac\u00ed proces. I kdy\u017e jsou banky coby poskytovatel\u00e9 \u00fav\u011br\u016f st\u00e1le nejobl\u00edben\u011bj\u0161\u00ed variantou, nejsou v\u00fdhodn\u00e9 pro ka\u017ed\u00e9ho. Pokud toti\u017e \u017eadatel pot\u0159ebuje pen\u00edze ihned, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed odejde s nepo\u0159\u00edzenou. Banky jsou pov\u011bstn\u00e9 sv\u00fdm prov\u011b\u0159ov\u00e1n\u00edm a ne ka\u017ed\u00fd \u017eadatel jejich p\u0159\u00edsn\u00fdm m\u011b\u0159\u00edtk\u016fm vyhov\u00ed. Vy\u0159izov\u00e1n\u00ed je \u010dasto zdlouhav\u00e9, pln\u00e9 pap\u00edrov\u00e1n\u00ed a nen\u00e1vid\u011bn\u00e9 byrokracie. Na druhou stranu jsou banky pro v\u011bt\u0161inu lid\u00ed prvn\u00ed volbou, nebo\u0165 u spoustu lid\u00ed st\u00e1le vedou v m\u011b\u0159\u00edtku d\u016fv\u011bryhodnosti. I jejich \u00farokov\u00e1 sazba je mnohdy daleko v\u00fdhodn\u011bj\u0161\u00ed ne\u017e u nebankovn\u00edch spole\u010dnost\u00ed. Nebankovn\u00ed p\u016fj\u010dky pro ka\u017ed\u00e9hoNebankovn\u00ed p\u016fj\u010dky jsou vysvobozen\u00edm pro ty, kte\u0159\u00ed se ze dne na den ocitli ve finan\u010dn\u00ed t\u00edsni. Rychl\u00e9 p\u016fj\u010dky https:\/\/www.nebankovni-hypoteky-uvery.cz\/rychle-pujcky-bez-dolozeni-prijmu-maji-sva-uskali\/ jsou pr\u00e1v\u011b to, co banky nab\u00eddnout nemohou. Schvalovac\u00ed proces u nebankovn\u00edch spole\u010dnost\u00ed je velmi rychl\u00fd, \u010dasto bez nutnosti osobn\u00edho kontaktu. V\u011bt\u0161ina spole\u010dnost\u00ed toti\u017e disponuje automatick\u00fdm schvalovac\u00edm syst\u00e9mem, kter\u00fd dok\u00e1\u017ee podle v\u00e1mi zadan\u00fdch parametr\u016f vyhodnotit, zda na p\u016fj\u010dku m\u00e1te n\u00e1rok \u010di nikoliv. Dal\u0161\u00ed v\u00fdhodou je i benevolentnost takov\u00fdch \u00fav\u011br\u016f, \u0161anci maj\u00ed tak i \u017eadatel\u00e9 s mal\u00fdm p\u0159\u00edjmem nebo s negativn\u00edm z\u00e1znamem v registru dlu\u017en\u00edk\u016f.                                                                                                                                                                                                                                                                                                                                                                                           4.1\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Rozd\u00edly bankovn\u00edch a nebankovn\u00edch \u00fav\u011br\u016f","item":"https:\/\/www.labo-net.cz\/rozdily-bankovnich-a-nebankovnich-uveru\/#breadcrumbitem"}]}]