[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.digoknu.cz\/bankovni-vs-nebankovni-pujcka-v-cem-se-lisi\/#Article","mainEntityOfPage":"https:\/\/www.digoknu.cz\/bankovni-vs-nebankovni-pujcka-v-cem-se-lisi\/","headline":"Bankovn\u00ed vs. nebankovn\u00ed p\u016fj\u010dka: V \u010dem se li\u0161\u00ed?","name":"Bankovn\u00ed vs. nebankovn\u00ed p\u016fj\u010dka: V \u010dem se li\u0161\u00ed?","description":"P\u0159em\u00fd\u0161l\u00edte o p\u016fj\u010dce, v takov\u00e9m p\u0159\u00edpad\u011b si m\u016f\u017eete vybrat prim\u00e1rn\u011b ze svou kl\u00ed\u010dov\u00fdch segment\u016f. Dilema tkv\u00ed v tom, zda zvolit bankovn\u00ed \u010di nebankovn\u00ed spole\u010dnost. Ani...","datePublished":"2020-08-11","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.digoknu.cz\/author\/#Person","name":"","url":"https:\/\/www.digoknu.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"digoknu.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.digoknu.cz\/wp-content\/uploads\/nakupov%C3%A1n%C3%AD%20na%20internetu.jpg","url":"https:\/\/www.digoknu.cz\/wp-content\/uploads\/nakupov%C3%A1n%C3%AD%20na%20internetu.jpg","height":0,"width":0},"url":"https:\/\/www.digoknu.cz\/bankovni-vs-nebankovni-pujcka-v-cem-se-lisi\/","about":["Finance"],"wordCount":397,"articleBody":"   P\u0159em\u00fd\u0161l\u00edte o p\u016fj\u010dce, v takov\u00e9m p\u0159\u00edpad\u011b si m\u016f\u017eete vybrat prim\u00e1rn\u011b ze svou kl\u00ed\u010dov\u00fdch segment\u016f. Dilema tkv\u00ed v tom, zda zvolit bankovn\u00ed \u010di nebankovn\u00ed spole\u010dnost. Ani jedna nen\u00ed \u0161patnou volbou, ka\u017ed\u00e1 m\u00e1 sv\u00e9 klady i z\u00e1pory a je jen na v\u00e1s, kter\u00fdm d\u00e1te nakonec p\u0159ednost. V p\u0159\u00edpad\u011b bankovn\u00edch p\u016fj\u010dek nab\u00edz\u00ed \u00fav\u011br logicky banka, u nebankovn\u00edch spole\u010dnost\u00ed se jedn\u00e1 o soukrom\u00e9 subjekty, kter\u00e9 maj\u00ed sv\u016fj vlast\u00ed kapit\u00e1l a rozhodli se ho p\u016fj\u010dovat. Chci jistotu? Je tou nejlep\u0161\u00ed mo\u017enost\u00ed banka?V minulosti byly banky opravdu garantem jistoty a f\u00e9rov\u00e9ho jedn\u00e1n\u00ed. To se samoz\u0159ejm\u011b nezm\u011bnilo, ale zat\u00edmco d\u0159\u00edve byly nebankovn\u00ed subjekty sv\u00fdm vlastn\u00edm p\u00e1nem a v podstat\u011b si mohly diktovat podm\u00ednky, jak bude jejich podnik\u00e1n\u00ed vypadat, po novele z\u00e1kona u\u017e to tak jednoduch\u00e9 nen\u00ed. Ochrana spot\u0159ebitel\u016f je st\u00e1le v\u011bt\u0161\u00ed a nebankovn\u00ed spole\u010dnosti jsou nyn\u00ed daleko v\u00edce pod kontrolou d\u00edky licenci, kterou mus\u00ed z\u00edskat v p\u0159\u00edpad\u011b, kdy cht\u011bj\u00ed provozovat tento druh \u017eivnosti. Z\u00edskat licenci p\u0159itom nen\u00ed v\u016fbec jednoduch\u00e9, mezi podm\u00ednky pro z\u00edsk\u00e1n\u00ed mimo jin\u00e9 pat\u0159\u00ed i kapit\u00e1l ve v\u00fd\u0161i minim\u00e1ln\u011b 20 000 000 K\u010d, trestn\u00ed i finan\u010dn\u00ed bez\u00fahonnost a s\u00eddlo v \u010cesk\u00e9 republice.Kde p\u016fj\u010dku z\u00edsk\u00e1m sn\u00e1z?Tento faktor je pro lidi st\u00e1le velmi d\u016fle\u017eit\u00fd. Hlavn\u011b z toho d\u016fvodu, \u017ee krom klient\u016f s dobrou platebn\u00ed mor\u00e1lkou a bonitou se najdou mezi z\u00e1jemci o p\u016fj\u010dku i tac\u00ed, kte\u0159\u00ed dopl\u00e1c\u00ed na svou \u0161patnou finan\u010dn\u00ed minulost nebo men\u0161\u00ed p\u0159\u00edjem. Hypot\u00e9ka bez p\u0159\u00edjmu, kterou nab\u00edz\u00ed nebankovn\u00ed spole\u010dnosti je tak pro takov\u00e9 \u017eadatele doslova spln\u011bn\u00fd sen. Zat\u00edmco banka s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed takov\u00e9 \u017e\u00e1dosti od klient\u016f zam\u00edtne, nebankovn\u00ed subjekty jsou v tomto ohledu o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed. Kter\u00e1 varianta je v\u00fdhodn\u011bj\u0161\u00ed? U p\u016fj\u010dky n\u00e1s ve v\u00fdsledku zaj\u00edm\u00e1, o kolik skute\u010dn\u011b p\u016fj\u010denou sumu p\u0159eplat\u00edme. V\u00fdhodn\u00e9 mohou b\u00fdt jak bankovn\u00ed tak nebankovn\u00ed spole\u010dnosti, v\u017edy z\u00e1le\u017e\u00ed na klientovi, kter\u00fd o p\u016fj\u010dku \u017e\u00e1d\u00e1.                                                                                                                                                                                                                                                                                                                                                                                           4.8\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bankovn\u00ed vs. nebankovn\u00ed p\u016fj\u010dka: V \u010dem se li\u0161\u00ed?","item":"https:\/\/www.digoknu.cz\/bankovni-vs-nebankovni-pujcka-v-cem-se-lisi\/#breadcrumbitem"}]}]