[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.mpzp.cz\/proc-je-nebankovni-pujcka-vyhodnejsi\/#Article","mainEntityOfPage":"https:\/\/www.mpzp.cz\/proc-je-nebankovni-pujcka-vyhodnejsi\/","headline":"Pro\u010d je nebankovn\u00ed p\u016fj\u010dka v\u00fdhodn\u011bj\u0161\u00ed?","name":"Pro\u010d je nebankovn\u00ed p\u016fj\u010dka v\u00fdhodn\u011bj\u0161\u00ed?","description":"V dne\u0161n\u00ed dob\u011b nen\u00ed v\u016fbec slo\u017eit\u00e9 dostat se do t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situace. Ov\u0161em ot\u00e1zka zn\u00ed, jak z n\u00ed pry\u010d? Existuje v\u016fbec n\u011bjak\u00e9 \u0159e\u0161en\u00ed. Mnoh\u00e9 z n\u00e1s s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed napadne zaj\u00edt v prvn\u00ed \u0159ad\u011b do banky, kter\u00e1 by pro n\u00e1s v takov\u00e9m p\u0159\u00edpad\u011b m\u011bla naj\u00edt \u0159e\u0161en\u00ed, nab\u00eddnout v\u00fdhodn\u00fd \u00fav\u011br a st\u00e1t p\u0159i n\u00e1s. Jen\u017ee ne […]","datePublished":"2020-09-20","dateModified":"2023-05-24","author":{"@type":"Person","@id":"https:\/\/www.mpzp.cz\/author\/#Person","name":"","url":"https:\/\/www.mpzp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9bbe1b3bd68cf5b616cc697a459b86e3be4df6c120806baf939f8aad94b0a3d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9bbe1b3bd68cf5b616cc697a459b86e3be4df6c120806baf939f8aad94b0a3d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"mpzp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.mpzp.cz\/wp-content\/uploads\/pras%C3%A1tko%20pokladni%C4%8Dka.jpg","url":"https:\/\/www.mpzp.cz\/wp-content\/uploads\/pras%C3%A1tko%20pokladni%C4%8Dka.jpg","height":0,"width":0},"url":"https:\/\/www.mpzp.cz\/proc-je-nebankovni-pujcka-vyhodnejsi\/","about":["Pen\u00edze"],"wordCount":411,"articleBody":"       V dne\u0161n\u00ed dob\u011b nen\u00ed v\u016fbec slo\u017eit\u00e9 dostat se do t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situace. Ov\u0161em ot\u00e1zka zn\u00ed, jak z n\u00ed pry\u010d? Existuje v\u016fbec n\u011bjak\u00e9 \u0159e\u0161en\u00ed. Mnoh\u00e9 z n\u00e1s s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed napadne zaj\u00edt v prvn\u00ed \u0159ad\u011b do banky, kter\u00e1 by pro n\u00e1s v takov\u00e9m p\u0159\u00edpad\u011b m\u011bla naj\u00edt \u0159e\u0161en\u00ed, nab\u00eddnout v\u00fdhodn\u00fd \u00fav\u011br a st\u00e1t p\u0159i n\u00e1s. Jen\u017ee ne v\u017edy to tak je, bankovn\u00ed instituce jsou zkr\u00e1tka nevyzpytateln\u00e9 a jen m\u00e1lokdo jej\u00edm s\u00edtem projde. Mo\u017en\u00e1 pr\u00e1v\u011b proto vznikly nebankovn\u00ed spole\u010dnosti, kter\u00e9 nab\u00edz\u00ed podobn\u00e9 \u00fav\u011brov\u00e9 produkty jako bankovn\u00ed domy, ov\u0161em za mnohem p\u0159ijateln\u011bj\u0161\u00edch podm\u00ednek. I kdy\u017e jsou nebankovn\u00ed spole\u010dnosti st\u00e1le skryty za rouchem pochybnost\u00ed, po novele z\u00e1kona se mnoh\u00e9 zm\u011bnilo. Jedno je ale jasn\u00e9, p\u016fj\u010dku od nebankovn\u00edch spole\u010dnost\u00ed vy\u0159\u00edd\u00edte snadn\u011bji, rychleji, bez zbyte\u010dn\u00e9ho pap\u00edrov\u00e1n\u00ed a tolik nen\u00e1vid\u011bn\u00e9 byrokracie. Je a\u017e s podivem, jak rychle dok\u00e1\u017eou nebankovn\u00ed spole\u010dnosti \u017e\u00e1dost o \u00fav\u011br vy\u0159\u00eddit. V\u016fbec nez\u00e1le\u017e\u00ed, zda si chcete p\u016fj\u010dit n\u011bkolik stovek korun do v\u00fdplaty, \u010di daleko vy\u0161\u0161\u00ed sumu na studium, cestov\u00e1n\u00ed nebo financov\u00e1n\u00ed bydlen\u00ed. Nejlevn\u011bj\u0161\u00ed hypot\u00e9ka je mnohdy ta nebankovn\u00ed, s p\u0159\u00edzniv\u00fdm \u00farokem a bez skryt\u00fdch poplatk\u016f. Spousta nebankovn\u00edch spole\u010dnost\u00ed disponuje automatick\u00fdm schvalovac\u00edm syst\u00e9m, kter\u00fd na z\u00e1klad\u011b v\u00e1mi vypln\u011bn\u00fdch \u00fadaj\u016f a nahran\u00fdch dokument\u016f dok\u00e1\u017ee vyhodnotit, zda jste pro \u00fav\u011br vhodn\u00fd kandid\u00e1t \u010di nikoliv. Tento syst\u00e9m je o pozn\u00e1n\u00ed rychlej\u0161\u00ed ne\u017e individu\u00e1ln\u00ed posuzov\u00e1n\u00ed \u017e\u00e1dost\u00ed v bank\u00e1ch. Ov\u0161em rychlost je v tomto ohledu draze vykoupena mno\u017estv\u00edm zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. Pokud v\u0161ak spole\u010dnost vy\u0159\u00edd\u00ed va\u0161\u00ed \u017e\u00e1dost kladn\u011b, pen\u00edze m\u016f\u017eete m\u00edt na \u00fa\u010dtu klidn\u011b do druh\u00e9ho dne. V n\u011bkter\u00fdm z p\u0159\u00edpad\u016f m\u016f\u017ee cht\u00edt banka pro ov\u011b\u0159en\u00ed \u00fa\u010dtu \u017eadatele korunov\u00fd poplatek, v takov\u00e9m p\u0159\u00edpad\u011b se \u010dekac\u00ed lh\u016fta prodlou\u017e\u00ed na dva dny. Nebankovn\u00ed p\u016fj\u010dky jsou velmi variabiln\u00ed, nen\u00ed tak \u017e\u00e1dnou v\u00fdjimkou, \u017ee si u jedn\u00e9 spole\u010dnosti m\u016f\u017eete p\u016fj\u010dit v rozmez\u00ed n\u011bkolika set korun a\u017e do v\u00fd\u0161e n\u011bkolika milion\u016f.                                                                                                                                                                                                                                                                                                                                                                                           3.7\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d je nebankovn\u00ed p\u016fj\u010dka v\u00fdhodn\u011bj\u0161\u00ed?","item":"https:\/\/www.mpzp.cz\/proc-je-nebankovni-pujcka-vyhodnejsi\/#breadcrumbitem"}]}]