[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.skalimar.cz\/bankovni-vs-nebankovni-pujcka-je-v-nich-vubec-nejaky-rozdil\/#Article","mainEntityOfPage":"https:\/\/www.skalimar.cz\/bankovni-vs-nebankovni-pujcka-je-v-nich-vubec-nejaky-rozdil\/","headline":"Bankovn\u00ed vs. nebankovn\u00ed p\u016fj\u010dka: Je v nich v\u016fbec n\u011bjak\u00fd rozd\u00edl?","name":"Bankovn\u00ed vs. nebankovn\u00ed p\u016fj\u010dka: Je v nich v\u016fbec n\u011bjak\u00fd rozd\u00edl?","description":"Bankovn\u00ed p\u016fj\u010dku asi nen\u00ed pot\u0159eba slo\u017eit\u011b p\u0159edstavovat, je \u00fav\u011brov\u00fdm produktem cel\u00e9 \u0159ady bank a za \u017eivot se s n\u00ed potk\u00e1 t\u00e9m\u011b\u0159 ka\u017ed\u00fd \u010cech. Na trhu je v posledn\u00edch letech p\u0159ebytek likvidity a banky spole\u010dn\u011b s nebankovn\u00edmi spole\u010dnostmi doslova bojuj\u00ed o ka\u017ed\u00e9ho klienta. I kdy\u017e si \u0159ada lid\u00ed nebankovn\u00edmu sektoru rad\u011bji vyh\u00fdb\u00e1, pro mnoh\u00e9 znamen\u00e1 jedinou […]","datePublished":"2020-12-14","dateModified":"2020-12-14","author":{"@type":"Person","@id":"https:\/\/www.skalimar.cz\/author\/#Person","name":"skalimar.cz","url":"https:\/\/www.skalimar.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8eaf08ef5a7e54fc91db02b2058b03bc913caaaa39c046819bbf43d06bd23c2b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8eaf08ef5a7e54fc91db02b2058b03bc913caaaa39c046819bbf43d06bd23c2b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"skalimar.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.skalimar.cz\/wp-content\/uploads\/pot%C5%99esen%C3%AD%20rukou_3.jpg","url":"https:\/\/www.skalimar.cz\/wp-content\/uploads\/pot%C5%99esen%C3%AD%20rukou_3.jpg","height":0,"width":0},"url":"https:\/\/www.skalimar.cz\/bankovni-vs-nebankovni-pujcka-je-v-nich-vubec-nejaky-rozdil\/","about":["Ekonomika"],"wordCount":426,"articleBody":"            Bankovn\u00ed p\u016fj\u010dku asi nen\u00ed pot\u0159eba slo\u017eit\u011b p\u0159edstavovat, je \u00fav\u011brov\u00fdm produktem cel\u00e9 \u0159ady bank a za \u017eivot se s n\u00ed potk\u00e1 t\u00e9m\u011b\u0159 ka\u017ed\u00fd \u010cech. Na trhu je v posledn\u00edch letech p\u0159ebytek likvidity a banky spole\u010dn\u011b s nebankovn\u00edmi spole\u010dnostmi doslova bojuj\u00ed o ka\u017ed\u00e9ho klienta. I kdy\u017e si \u0159ada lid\u00ed nebankovn\u00edmu sektoru rad\u011bji vyh\u00fdb\u00e1, pro mnoh\u00e9 znamen\u00e1 jedinou z\u00e1chrannou stanici, kdy\u017e p\u0159ed nimi banka zav\u0159e dve\u0159e. Rychl\u00e9 a snadn\u00e9 vy\u0159\u00edzen\u00ed \u00fav\u011bru, pen\u00edze do p\u00e1r minut na \u00fa\u010dtu, to v\u0161e m\u016f\u017ee hr\u00e1t d\u016fle\u017eitou roli pro \u0159adu lid\u00ed p\u0159i sjedn\u00e1v\u00e1n\u00ed \u00fav\u011bru. V \u010dem jsou nebankovn\u00ed spole\u010dnosti lep\u0161\u00ed ne\u017e bankovn\u00ed domy? P\u0159edstavuj\u00ed n\u011bjak\u00e9 riziko a pro koho jsou vlastn\u011b ur\u010deny? Bankovn\u00ed p\u016fj\u010dka nab\u00edz\u00ed v\u00fdhodnou \u00farokovou sazbou a najdete j\u00ed v nab\u00eddce v\u011bt\u0161iny bank. Vyu\u017eijete j\u00ed hlavn\u011b v p\u0159\u00edpad\u011b, kdy pot\u0159ebuje v\u011bt\u0161\u00ed obnos pen\u011bz a nebude v\u00e1m vadit del\u0161\u00ed schvalovac\u00ed proces. Pen\u00edze tak s ur\u010ditost\u00ed nedostanete hned, ale po\u010dkat si budete muset i n\u011bkolik t\u00fddn\u016f. Bankovn\u00ed p\u016fj\u010dka se tak hod\u00ed nap\u0159\u00edklad p\u0159i koupi nemovitosti, financov\u00e1n\u00ed bydlen\u00ed, nov\u00e9 auto atd. I kdy\u017e se na prvn\u00ed pohled zdaj\u00ed bankovn\u00ed p\u016fj\u010dky velmi v\u00fdhodn\u00e9, nen\u00ed tomu v\u017edy tak. Pokud toti\u017e \u017eadatel pot\u0159ebuje pen\u00edze co nejrychleji, odejde z banky s nepo\u0159\u00edzenou. V\u00fdhodn\u00e9 podm\u00ednky nebo p\u0159\u00edzniv\u00e1 \u00farokov\u00e1 sazba je ov\u0161em ho\u0159ce vykoupena zdlouhav\u00fdm schvalovac\u00edm procesem, kdy banka zkoum\u00e1 bonitu dan\u00e9ho \u017eadatele. Tu ovliv\u0148uje cel\u00e1 \u0159ada faktor\u016f, a jeliko\u017e banka ke ka\u017ed\u00e9 \u017e\u00e1dosti p\u0159istupuje individu\u00e1ln\u011b, v n\u011bkter\u00fdch p\u0159\u00edpadech je \u010dek\u00e1n\u00ed skute\u010dn\u011b nekone\u010dn\u00e9. Pro mnoh\u00e9 jsou v\u0161ak st\u00e1le bankovn\u00ed domy coby nositeli d\u016fv\u011bryhodnosti a pro p\u016fj\u010dku tak v\u017edy m\u00ed\u0159\u00ed tam. Nebankovn\u00ed p\u016fj\u010dky jsou ide\u00e1ln\u00ed pro ty, kte\u0159\u00ed se z nenad\u00e1n\u00ed ocitli v nelehk\u00e9 finan\u010dn\u00ed situaci a pen\u00edze pot\u0159ebuj\u00ed co mo\u017en\u00e1 nejrychleji. U nebankovn\u00edch spole\u010dnost\u00ed je cel\u00fd schvalovac\u00ed proces velmi rychl\u00fd, a jeliko\u017e \u0159ada z nich pracuje s automatick\u00fdm schvalovac\u00edm procesem, pen\u00edze m\u016f\u017eete m\u00edt k dispozici t\u00e9m\u011b\u0159 okam\u017eit\u011b. Americk\u00e9 hypot\u00e9ky https:\/\/www.fahd.cz\/americka-hypoteka-nebankovni\/ jsou jednou z mo\u017enost\u00ed, jak z\u00edskat pot\u0159ebn\u00e9 pen\u00edze.                                                                                                                                                                                                                                                                                                                                                                                           4.7\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bankovn\u00ed vs. nebankovn\u00ed p\u016fj\u010dka: Je v nich v\u016fbec n\u011bjak\u00fd rozd\u00edl?","item":"https:\/\/www.skalimar.cz\/bankovni-vs-nebankovni-pujcka-je-v-nich-vubec-nejaky-rozdil\/#breadcrumbitem"}]}]