[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cello-ilc.cz\/je-nebankovni-pujcka-skutecne-tak-vyhodna\/#Article","mainEntityOfPage":"https:\/\/www.cello-ilc.cz\/je-nebankovni-pujcka-skutecne-tak-vyhodna\/","headline":"Je nebankovn\u00ed p\u016fj\u010dka skute\u010dn\u011b tak v\u00fdhodn\u00e1?","name":"Je nebankovn\u00ed p\u016fj\u010dka skute\u010dn\u011b tak v\u00fdhodn\u00e1?","description":"O nebankovn\u00edch spole\u010dnostech toho bylo naps\u00e1no ji\u017e mnoho, v drtiv\u00e9 v\u011bt\u0161in\u011b ne\u0161lo o p\u0159\u00edli\u0161 lichotiv\u00e9 \u010dl\u00e1nky. Nen\u00ed se tak \u010demu divit, \u017ee \u0159ada lid\u00ed si je st\u00e1le spojuje s celou \u0159adou m\u00fdt\u016f a polopravd, jak je tomu ale ve skute\u010dnosti? Nebankovn\u00ed p\u016fj\u010dka bez z\u00e1stavy nemovitosti m\u00e1 mnohdy \u00fapln\u011b jin\u00e1 pravidla, ne\u017e ta bankovn\u00ed. V mnoh\u00fdch...","datePublished":"2022-01-23","dateModified":"2023-05-17","author":{"@type":"Person","@id":"https:\/\/www.cello-ilc.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.cello-ilc.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/87007d43bbcef3c87926bba9082d96a1a8da6f7ae55b1546f5f58a5e10d8ed12?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/87007d43bbcef3c87926bba9082d96a1a8da6f7ae55b1546f5f58a5e10d8ed12?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cello-ilc.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cello-ilc.cz\/wp-content\/uploads\/pexels-andrea-piacquadio-3767397.jpg","url":"https:\/\/www.cello-ilc.cz\/wp-content\/uploads\/pexels-andrea-piacquadio-3767397.jpg","height":0,"width":0},"url":"https:\/\/www.cello-ilc.cz\/je-nebankovni-pujcka-skutecne-tak-vyhodna\/","about":["Ekonomika"],"wordCount":406,"articleBody":"   O nebankovn\u00edch spole\u010dnostech toho bylo naps\u00e1no ji\u017e mnoho, v drtiv\u00e9 v\u011bt\u0161in\u011b ne\u0161lo o p\u0159\u00edli\u0161 lichotiv\u00e9 \u010dl\u00e1nky. Nen\u00ed se tak \u010demu divit, \u017ee \u0159ada lid\u00ed si je st\u00e1le spojuje s celou \u0159adou m\u00fdt\u016f a polopravd, jak je tomu ale ve skute\u010dnosti? Nebankovn\u00ed p\u016fj\u010dka bez z\u00e1stavy nemovitosti m\u00e1 mnohdy \u00fapln\u011b jin\u00e1 pravidla, ne\u017e ta bankovn\u00ed. V mnoh\u00fdch ohledech je k dlu\u017en\u00edk\u016fm benevolentn\u011bj\u0161\u00ed. \u00dav\u011br tu toti\u017e z\u00edsk\u00e1 t\u00e9m\u011b\u0159 ka\u017ed\u00fd bez ohledu na jeho finan\u010dn\u00ed minulost, v\u00fd\u0161i jeho z\u00e1vazk\u016f \u010di m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy. Lid\u00e9 na nebankovn\u00ed \u00fav\u011bry vs\u00e1z\u00ed hlavn\u011b ve chv\u00edli, kdy jim pen\u00edze sch\u00e1z\u00ed v rodinn\u00e9m rozpo\u010dtu nebo pot\u0159ebuj\u00ed urgentn\u011b \u0159e\u0161it ne\u010dekan\u00fd v\u00fddaj. \u017d\u00e1dost je mo\u017en\u00e9 podat i online I vlivem celosv\u011btov\u00e9 pandemie se mnoho bankovn\u00edch \u00fakon\u016f p\u0159eneslo do internetov\u00e9ho prost\u0159ed\u00ed. \u017d\u00e1dost o p\u016fj\u010dku byste tu ale zat\u00edm hledali jen marn\u011b. V\u011bt\u0161ina bank m\u016f\u017ee online formou \u00fav\u011br p\u0159edschv\u00e1lit, ale osobn\u00ed n\u00e1v\u0161t\u011bva pobo\u010dky v\u00e1s stejn\u011b nemine. Stejn\u011b tak jako hora pap\u00edrov\u00e1n\u00ed \u010di tolik nen\u00e1vid\u011bn\u00e1 byrokracie. A jak funguje schvalov\u00e1n\u00ed \u017e\u00e1dost\u00ed u nebankovn\u00edch instituc\u00ed? \u017d\u00e1dost je u nich mo\u017en\u00e9 vy\u0159\u00eddit i online za pomoci p\u0159ednastaven\u00e9ho \u00fav\u011brov\u00e9ho formul\u00e1\u0159e. Tam vypln\u00edte sv\u00e9 \u00fadaje, navol\u00edte podm\u00ednky a pak u\u017e jen \u010dek\u00e1te na verdikt ze strany spole\u010dnosti. U t\u011bchto rychl\u00fdch \u017e\u00e1dost\u00ed je v\u0161ak zapot\u0159eb\u00ed po\u010d\u00edtat s v\u011bt\u0161\u00ed \u00famrtnost\u00ed.Rizikov\u00fd \u017eadatel\u00e9O \u00fav\u011br m\u016f\u017ee po\u017e\u00e1dat ka\u017ed\u00fd, kdo spl\u0148uje v\u011bkovou hranici 18 let. Zda mu v\u0161ak bude \u00fav\u011br schv\u00e1len, je v\u011bc druh\u00e1. V bankovn\u00ed legislativ\u011b se m\u016f\u017eeme setkat s term\u00ednem \u201erizikov\u00fd \u017eadatel\u00e9\u201c, kte\u0159\u00ed pro banku p\u0159edstavuj\u00ed a\u017e p\u0159\u00edli\u0161 velk\u00e9 riziko, a proto v\u011bt\u0161inou odch\u00e1z\u00ed z banky bez vy\u0159\u00edzen\u00e9ho \u00fav\u011bru. Jedn\u00e1 se nap\u0159\u00edklad o studenty, d\u016fchodce nebo rodi\u010de samo\u017eivitele. Banka jim \u00fav\u011br nab\u00eddne za p\u0159edpokladu, \u017ee k sob\u011b budou m\u00edt ru\u010ditele, kter\u00fd bude ochoten p\u0159\u00edpadn\u011b dluh p\u0159evz\u00edt. V nebankovn\u00edch spole\u010dnostech je mo\u017en\u00e9 vz\u00edt si \u00fav\u011br i bez ru\u010ditele.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je nebankovn\u00ed p\u016fj\u010dka skute\u010dn\u011b tak v\u00fdhodn\u00e1?","item":"https:\/\/www.cello-ilc.cz\/je-nebankovni-pujcka-skutecne-tak-vyhodna\/#breadcrumbitem"}]}]