[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.digoknu.cz\/vyhody-nebankovnich-pujcek\/#Article","mainEntityOfPage":"https:\/\/www.digoknu.cz\/vyhody-nebankovnich-pujcek\/","headline":"V\u00fdhody nebankovn\u00edch p\u016fj\u010dek","name":"V\u00fdhody nebankovn\u00edch p\u016fj\u010dek","description":"Nebankovn\u00ed p\u016fj\u010dky si po dlouh\u00e1 l\u00e9ta dr\u017eely pov\u011bst coby nev\u00fdhodn\u00fdch, p\u0159edra\u017een\u00fdch \u00fav\u011br\u016f se skryt\u00fdmi poplatky. Pro jin\u00e9 zase mnohdy znamenaj\u00ed jedinou z\u00e1chrannou stanici na cest\u011b...","datePublished":"2021-05-28","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\/pras%C3%A1tko%20pokladni%C4%8Dka_1.jpg","url":"https:\/\/www.digoknu.cz\/wp-content\/uploads\/pras%C3%A1tko%20pokladni%C4%8Dka_1.jpg","height":0,"width":0},"url":"https:\/\/www.digoknu.cz\/vyhody-nebankovnich-pujcek\/","about":["Finance"],"wordCount":381,"articleBody":"      Nebankovn\u00ed p\u016fj\u010dky si po dlouh\u00e1 l\u00e9ta dr\u017eely pov\u011bst coby nev\u00fdhodn\u00fdch, p\u0159edra\u017een\u00fdch \u00fav\u011br\u016f se skryt\u00fdmi poplatky. Pro jin\u00e9 zase mnohdy znamenaj\u00ed jedinou z\u00e1chrannou stanici na cest\u011b p\u0159ed krachem, kdy\u017e banka odm\u00edtne p\u016fj\u010dit. Prim\u00e1rn\u011b do nebankovn\u00edho sektoru zav\u00edt\u00e1me tehdy, pokud n\u00e1m nezb\u00fdv\u00e1 na ne\u010dekan\u00e9 v\u00fddaje nebo pot\u0159ebujeme vykr\u00fdt dobu do dal\u0161\u00ed v\u00fdplaty. Jedn\u00e1n\u00ed s nebankovn\u00edmi institucemi je mnohdy velmi rychl\u00e9, snadn\u00e9, bez zbyte\u010dn\u00e9ho pap\u00edrov\u00e1n\u00ed a byrokracie. Pokud zav\u00edt\u00e1me do banky, mus\u00edme se obrnit trp\u011blivost\u00ed, nebo\u0165 schvalovac\u00ed proces u v\u011bt\u0161iny z nich je v \u0159\u00e1du t\u00fddn\u016f. Banky toti\u017e ke ka\u017ed\u00e9mu \u017eadateli p\u0159istupuj\u00ed individu\u00e1ln\u011b, tento osobn\u00ed p\u0159\u00edstup je ale draze zaplacen del\u0161\u00ed dobou na schv\u00e1len\u00ed. I kdy\u017e bankovn\u00ed instituce v posledn\u00edch letech \u0159adu sv\u00fdch slu\u017eeb modernizuj\u00ed, v n\u011bkter\u00fdch p\u0159\u00edpadech se v\u00e1m n\u00e1v\u0161t\u011bva banky st\u00e1le je\u0161t\u011b nevyhne. Jeden p\u0159\u00edklad za v\u0161echny je pr\u00e1v\u011b sjedn\u00e1n\u00ed \u00fav\u011brov\u00fdch produkt\u016f, kter\u00e1 si \u017e\u00e1d\u00e1 va\u0161\u00ed osobn\u00ed p\u0159\u00edtomnost v n\u011bkter\u00e9 z pobo\u010dek dan\u00e9 banky. Nebankovn\u00ed sektor v\u0161ak pracuje s automatick\u00fdm schvalovac\u00edm procesem a p\u016fj\u010dku je tak mo\u017en\u00e9 snadno vy\u0159\u00eddit i online. Bude v\u00e1m k tomu sta\u010dit p\u0159ipojen\u00ed k internetu a n\u011bkolik minut va\u0161eho \u010dasu. I kdy\u017e jsou nebankovn\u00ed spole\u010dnost\u00ed zn\u00e1me pro sv\u00e9 rychl\u00e9 p\u016fj\u010dky, setkat se m\u016f\u017eeme i s nebankovn\u00edmi hypot\u00e9kami https:\/\/www.americka-nebankovni-hypoteka.cz\/nebankovni_hypoteky\/. Aby mohl \u017eadatel v bance usp\u011bt je zapot\u0159eb\u00ed jeho dobr\u00e1 platebn\u00ed mor\u00e1lka. Tu mohou bankovn\u00ed i nebankovn\u00ed subjekty snadno prov\u011b\u0159it v registrech dlu\u017en\u00edk\u016f. Pokud zde n\u011bkter\u00fd z pracovn\u00edk banky objev\u00ed negativn\u00ed z\u00e1znam, \u017e\u00e1dost se tak\u00e9mu \u017eadateli zam\u00edt\u00e1 pro jeho ned\u016fv\u011bryhodnost. P\u0159esto v\u0161ak je\u0161t\u011b nen\u00ed nic ztraceno, nebankovn\u00ed instituce jsou toti\u017e v mnoh\u00fdch ohledech o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed a \u010dekaj\u00ed s otev\u0159enou n\u00e1ru\u010d\u00ed pr\u00e1v\u011b na \u017eadatele, kter\u00fdm v bance odm\u00edtli \u00fav\u011br schv\u00e1lit.                                                                                                                                                                                                                                                                                                                                                                                           3.9\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V\u00fdhody nebankovn\u00edch p\u016fj\u010dek","item":"https:\/\/www.digoknu.cz\/vyhody-nebankovnich-pujcek\/#breadcrumbitem"}]}]