[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.staratiskarna.cz\/je-nebankovni-pujcka-skutecne-vyhodna\/#Article","mainEntityOfPage":"https:\/\/www.staratiskarna.cz\/je-nebankovni-pujcka-skutecne-vyhodna\/","headline":"Je nebankovn\u00ed p\u016fj\u010dka skute\u010dn\u011b v\u00fdhodn\u00e1?","name":"Je nebankovn\u00ed p\u016fj\u010dka skute\u010dn\u011b v\u00fdhodn\u00e1?","description":"Pro p\u016fj\u010dku \u0159ada lid\u00ed m\u00ed\u0159\u00ed do bank, kter\u00e9 pro mnoh\u00e9 znamenaj\u00ed stabilitu, jistotu a jak\u00e9si zt\u011blesn\u011bn\u00ed mor\u00e1lnosti. S n\u011bkter\u00fdm z \u00fav\u011brov\u00fdch produkt\u016f m\u00e1 co do\u010din\u011bn\u00ed ka\u017ed\u00fd druh\u00fd \u010cech, co\u017e m\u016f\u017ee b\u00fdt pro n\u011bkter\u00e9 trochu alarmuj\u00edc\u00ed \u00fadaj. P\u016fj\u010dky jsou dnes zkr\u00e1tka dostupn\u00e9 a to i pro ty, kte\u0159\u00ed nakonec odch\u00e1z\u00ed z banky s nepo\u0159\u00edzenou. Bank\u00e1m toti\u017e […]","datePublished":"2021-10-22","dateModified":"2023-06-01","author":{"@type":"Person","@id":"https:\/\/www.staratiskarna.cz\/author\/#Person","name":"","url":"https:\/\/www.staratiskarna.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b682f75cb96d085fca5fbc8ca3f08e323444e236f6e6028585b73de81c46f711?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b682f75cb96d085fca5fbc8ca3f08e323444e236f6e6028585b73de81c46f711?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"staratiskarna.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.staratiskarna.cz\/wp-content\/uploads\/pexels-karolina-grabowska-4968382.jpg","url":"https:\/\/www.staratiskarna.cz\/wp-content\/uploads\/pexels-karolina-grabowska-4968382.jpg","height":0,"width":0},"url":"https:\/\/www.staratiskarna.cz\/je-nebankovni-pujcka-skutecne-vyhodna\/","about":["Ekonomika"],"wordCount":389,"articleBody":"   Pro p\u016fj\u010dku \u0159ada lid\u00ed m\u00ed\u0159\u00ed do bank, kter\u00e9 pro mnoh\u00e9 znamenaj\u00ed stabilitu, jistotu a jak\u00e9si zt\u011blesn\u011bn\u00ed mor\u00e1lnosti. S n\u011bkter\u00fdm z \u00fav\u011brov\u00fdch produkt\u016f m\u00e1 co do\u010din\u011bn\u00ed ka\u017ed\u00fd druh\u00fd \u010cech, co\u017e m\u016f\u017ee b\u00fdt pro n\u011bkter\u00e9 trochu alarmuj\u00edc\u00ed \u00fadaj. P\u016fj\u010dky jsou dnes zkr\u00e1tka dostupn\u00e9 a to i pro ty, kte\u0159\u00ed nakonec odch\u00e1z\u00ed z banky s nepo\u0159\u00edzenou. Bank\u00e1m toti\u017e za\u010d\u00ednaj\u00ed konkurovat i spole\u010dnosti z nebankovn\u00edho sektoru. Ty prim\u00e1rn\u011b c\u00edl\u00ed na rizikov\u00e9 \u017eadatele, kter\u00fdm v bank\u00e1ch odm\u00edtli p\u016fj\u010dit. Nab\u00edz\u00ed nap\u0159\u00edklad p\u016fj\u010dky s exekuc\u00ed, \u010di s negativn\u00edm z\u00e1znamem v registru dlu\u017en\u00edk\u016f. Je ale pot\u0159eba si uv\u011bdomit, \u017ee banky zam\u00edtaj\u00ed \u017e\u00e1dosti o \u00fav\u011br z p\u00e1dn\u00e9ho d\u016fvodu. Nen\u00ed to pouze z jejich rozmaru, jak se \u0159ada lid\u00ed myln\u011b domn\u00edv\u00e1. Jsou sv\u00e1z\u00e1ny slo\u017eitou legislativou, kter\u00e1 jim d\u00e1v\u00e1 za povinnost d\u016fkladnou lustraci ka\u017ed\u00e9ho \u017eadatele. Tzv. bilance \u017eadatele pak m\u00e1 do jist\u00e9 m\u00edry za n\u00e1sledek schv\u00e1len\u00ed\/zam\u00edtnut\u00ed \u017e\u00e1dosti. Tu ovliv\u0148uje cel\u00e1 \u0159ada faktor\u016f, mimo jin\u00e9 t\u0159eba v\u00fd\u0161e p\u0159\u00edjmu, z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, dal\u0161\u00ed z\u00e1vazky atd. Pokud banka vyhodnot\u00ed, \u017ee \u017eadatelova bilance je p\u0159\u00edli\u0161 n\u00edzk\u00e1, st\u00e1v\u00e1 se pro ni rizikov\u00e1 a p\u0159istoup\u00ed k zam\u00edtnut\u00ed \u017e\u00e1dosti. Nebankovn\u00ed p\u016fj\u010dky mnoho lid\u00ed vol\u00ed pro jejich rychlost, benevolentn\u011bj\u0161\u00ed podm\u00ednky, ale t\u0159eba i minimum pap\u00edrov\u00e1n\u00ed a byrokracie. O p\u016fj\u010dku mohou za\u017e\u00e1dat \u017eadatele s negativn\u00edm z\u00e1znamem v registru dlu\u017en\u00edk\u016f, dokonce ti, proti kter\u00fdm je vystavena exekuce. V\u017edy ale z\u00e1le\u017e\u00ed, zda jsou tac\u00ed \u017eadatel\u00e9 skute\u010dn\u011b schopni a ochotni \u00fav\u011br spl\u00e1cet. Tyto \u00fav\u011bry b\u00fdvaj\u00ed velmi \u010dasto zastav\u011bny nemovitost\u00ed. Pokud tedy dlu\u017en\u00edk nebude schopen \u00fav\u011br spl\u00e1cet, m\u016f\u017ee doj\u00edt k zabaven\u00ed a n\u00e1sledn\u00e9mu prodeji nemovitosti. Nebankovn\u00ed poskytovatel\u00e9 do registru dlu\u017en\u00edk\u016f v\u016fbec nenahl\u00ed\u017e\u00ed nebo neberou tuto skute\u010dnost jako d\u016fvod k zam\u00edtnut\u00ed \u00fav\u011bru. \u0158ada poskytovatel\u016f ke schv\u00e1len\u00ed nepot\u0159ebuje ani dolo\u017een\u00ed pravideln\u00fdch p\u0159\u00edjm\u016f, kter\u00e9 jsou v bance nutnost\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                   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