[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kartuzian.cz\/jsou-nebankovni-pujcky-skutecne-tak-nevyhodne\/#Article","mainEntityOfPage":"https:\/\/www.kartuzian.cz\/jsou-nebankovni-pujcky-skutecne-tak-nevyhodne\/","headline":"Jsou nebankovn\u00ed p\u016fj\u010dky skute\u010dn\u011b tak nev\u00fdhodn\u00e9?","name":"Jsou nebankovn\u00ed p\u016fj\u010dky skute\u010dn\u011b tak nev\u00fdhodn\u00e9?","description":"Nebankovn\u00ed p\u016fj\u010dky jsou velmi \u010dasto kritizov\u00e1ny pro sv\u00e9 vysok\u00e9 \u00fav\u011brov\u00e9 sazby, ale i skryt\u00e9 poplatky. Mnoho \u017eadatel\u016f i p\u0159esto vol\u00ed nebankovn\u00ed spole\u010dnosti kv\u016fli jejich benevolentn\u00edm podm\u00ednk\u00e1m. Ty jsou prim\u00e1rn\u011b ur\u010den\u00e9 pro rizikov\u00e9 \u017eadatele, kter\u00fdm v\u011bt\u0161inou banka \u00fav\u011br nen\u00ed schopn\u00e1 nab\u00eddnout. […]","datePublished":"2022-05-26","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.kartuzian.cz\/author\/#Person","name":"kartuzian.cz\n","url":"https:\/\/www.kartuzian.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/56990d361a15c60249588fcd5c65556d1c39f993ac5e20b5abce42fd817b46e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/56990d361a15c60249588fcd5c65556d1c39f993ac5e20b5abce42fd817b46e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kartuzian.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kartuzian.cz\/wp-content\/uploads\/pen%C3%ADze_1.png","url":"https:\/\/www.kartuzian.cz\/wp-content\/uploads\/pen%C3%ADze_1.png","height":0,"width":0},"url":"https:\/\/www.kartuzian.cz\/jsou-nebankovni-pujcky-skutecne-tak-nevyhodne\/","about":["Pen\u00edze"],"wordCount":393,"articleBody":"   Nebankovn\u00ed p\u016fj\u010dky jsou velmi \u010dasto kritizov\u00e1ny pro sv\u00e9 vysok\u00e9 \u00fav\u011brov\u00e9 sazby, ale i skryt\u00e9 poplatky. Mnoho \u017eadatel\u016f i p\u0159esto vol\u00ed nebankovn\u00ed spole\u010dnosti kv\u016fli jejich benevolentn\u00edm podm\u00ednk\u00e1m. Ty jsou prim\u00e1rn\u011b ur\u010den\u00e9 pro rizikov\u00e9 \u017eadatele, kter\u00fdm v\u011bt\u0161inou banka \u00fav\u011br nen\u00ed schopn\u00e1 nab\u00eddnout. Na vin\u011b m\u016f\u017ee b\u00fdt nedostate\u010dn\u00fd p\u0159\u00edjem, finan\u010dn\u00ed proh\u0159e\u0161ky z minulosti nebo nedostate\u010dn\u00e1 bonita. \u017dadatel\u00e9 s nedostate\u010dn\u00fdm p\u0159\u00edjmem Je pochopiteln\u00e9, \u017ee \u017eadateli m\u016f\u017ee b\u00fdt \u00fav\u011br schv\u00e1len jen za p\u0159edpokladu, \u017ee je schopen dolo\u017eit v\u00fd\u0161i sv\u00fdch pravideln\u00fdm m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f. Ty mus\u00ed b\u00fdt nav\u00edc v adekv\u00e1tn\u00ed v\u00fd\u0161i, aby spolehliv\u011b poryli ve\u0161ker\u00e9 n\u00e1klady \u017eadatele + m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky \u00fav\u011bru. Se st\u00e1le se zvy\u0161uj\u00edc\u00edmi cenami slu\u017eeb i z\u00e1kladn\u00edch pot\u0159eb v\u0161ak m\u016f\u017ee b\u00fdt tato podm\u00ednka bank pro n\u011bkter\u00e9 \u017eadatele nesplniteln\u00e1. Nebankovn\u00ed spole\u010dnosti v\u00fd\u0161i p\u0159\u00edjm\u016f \u017eadatele v\u011bt\u0161inou nezkoumaj\u00ed a je tedy \u010dist\u011b na nich, do jak\u00e9 m\u00edry bude m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka zasahovat do jejich rozpo\u010dtu. Obecn\u011b se v\u0161ak ud\u00e1v\u00e1, \u017ee mi nem\u011bla m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka zasahovat do m\u011bs\u00ed\u010dn\u00edho rozpo\u010dtu v\u00edce ne\u017e z poloviny, v opa\u010dn\u00e9m p\u0159\u00edpad\u011b je spl\u00e1cen\u00ed \u00fav\u011bru z dlouhodob\u00e9ho hlediska ne\u00fanosn\u00e9. \u017dadatel\u00e9 s negativn\u00edmi z\u00e1znamy v registrech dlu\u017en\u00edk\u016fDal\u0161\u00ed velmi po\u010detnou skupinu \u017eadatel\u016f v nebankovn\u00edm sektoru tvo\u0159\u00ed ti, kte\u0159\u00ed se pot\u00fdkaj\u00ed s negativn\u00edm z\u00e1znamem v registru dlu\u017en\u00edk\u016f. Takov\u00fd \u017eadatel pro banku toti\u017e v\u011bt\u0161inou p\u0159edstavuje a\u017e p\u0159\u00edli\u0161 velk\u00e9 riziko a je proto zcela pochopiteln\u00e9, \u017ee mu \u00fav\u011br bude zam\u00edtnut. Nebankovn\u00ed poskytovatel\u00e9 v\u0161ak jen z\u0159\u00eddkakdy do registru dlu\u017en\u00edk\u016f nahl\u00ed\u017e\u00ed nebo tuto skute\u010dnost velmi \u010dasto neberou v\u016fbec v potaz. Na \u00fav\u011br tak m\u016f\u017ee dos\u00e1hnout t\u00e9m\u011b\u0159 ka\u017ed\u00fd i s ne p\u0159\u00edli\u0161 dobrou finan\u010dn\u00ed minulost\u00ed. Krom rychl\u00fdm spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f toto plat\u00ed samoz\u0159ejm\u011b i u nebankovn\u00ed hypot\u00e9ky Nebankovnihypoteka, kter\u00e1 je pro \u017eadatele tak\u00e9 v mnoha ohledech velmi benevolentn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.4\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jsou nebankovn\u00ed p\u016fj\u010dky skute\u010dn\u011b tak nev\u00fdhodn\u00e9?","item":"https:\/\/www.kartuzian.cz\/jsou-nebankovni-pujcky-skutecne-tak-nevyhodne\/#breadcrumbitem"}]}]