[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.envivos.cz\/bankovni-vs-nebankovni-pujcka-co-je-vyhodnejsi-a-jaky-je-zasadni-rozdil-mezi-nimi\/#Article","mainEntityOfPage":"https:\/\/www.envivos.cz\/bankovni-vs-nebankovni-pujcka-co-je-vyhodnejsi-a-jaky-je-zasadni-rozdil-mezi-nimi\/","headline":"Bankovn\u00ed vs. nebankovn\u00ed p\u016fj\u010dka: Co je v\u00fdhodn\u011bj\u0161\u00ed a jak\u00fd je z\u00e1sadn\u00ed rozd\u00edl mezi nimi?","name":"Bankovn\u00ed vs. nebankovn\u00ed p\u016fj\u010dka: Co je v\u00fdhodn\u011bj\u0161\u00ed a jak\u00fd je z\u00e1sadn\u00ed rozd\u00edl mezi nimi?","description":"Nebankovn\u00ed p\u016fj\u010dky si po dlouh\u00e1 l\u00e9ta dr\u017eely pov\u011bst coby nev\u00fdhodn\u00fdch a \u010dasto nepoctiv\u00fdch produkt\u016f, kter\u00e9 nab\u00edzeli finan\u010dn\u00ed pomoc lidem, kter\u00fdm banky z n\u011bjak\u00e9ho d\u016fvodu \u00fav\u011br","datePublished":"2020-07-24","dateModified":"2023-05-18","author":{"@type":"Person","@id":"https:\/\/www.envivos.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.envivos.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/edf965aa5e6319b22667bed24bb070a38fc0326fd1c728db50dc1d860a4a16ad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/edf965aa5e6319b22667bed24bb070a38fc0326fd1c728db50dc1d860a4a16ad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"envivos.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.envivos.cz\/wp-content\/uploads\/stisk%20rukou_2.jpg","url":"https:\/\/www.envivos.cz\/wp-content\/uploads\/stisk%20rukou_2.jpg","height":0,"width":0},"url":"https:\/\/www.envivos.cz\/bankovni-vs-nebankovni-pujcka-co-je-vyhodnejsi-a-jaky-je-zasadni-rozdil-mezi-nimi\/","about":["Pen\u00edze"],"wordCount":430,"articleBody":"         Nebankovn\u00ed p\u016fj\u010dky si po dlouh\u00e1 l\u00e9ta dr\u017eely pov\u011bst coby nev\u00fdhodn\u00fdch a \u010dasto nepoctiv\u00fdch produkt\u016f, kter\u00e9 nab\u00edzeli finan\u010dn\u00ed pomoc lidem, kter\u00fdm banky z n\u011bjak\u00e9ho d\u016fvodu \u00fav\u011br zam\u00edtly. I dnes p\u0159edstavuj\u00ed posledn\u00ed z\u00e1chranou stanici p\u0159i z\u00edsk\u00e1n\u00ed tou\u017eebn\u00fdch finan\u010dn\u00edch prost\u0159edk\u016f. Nebankovn\u00ed sektor \u010dasto l\u00e1k\u00e1 sv\u00e9 potencion\u00e1ln\u00ed klienty na rychlost a snadn\u00e9 z\u00edsk\u00e1n\u00ed pen\u011bz. V \u010dem jsou tedy nebankovn\u00ed p\u016fj\u010dky lep\u0161\u00ed ne\u017e ty bankovn\u00ed?  Bankovn\u00ed p\u016fj\u010dka jako jeden z hlavn\u00edch produkt\u016f ka\u017ed\u00e9 bankyS bankovn\u00ed p\u016fj\u010dkou se setkal t\u00e9m\u011b\u0159 ka\u017ed\u00fd druh\u00fd \u010cech. Jedn\u00e1 se o produkt v\u0161ech na\u0161ich \u010desk\u00fdch bank. Slou\u017e\u00ed sp\u00ed\u0161e pro p\u0159\u00edpady, kdy uva\u017eujete nad p\u016fj\u010den\u00edm v\u011bt\u0161\u00edho obnosu pen\u011bz, nap\u0159\u00edklad v p\u0159\u00edpad\u011b financov\u00e1n\u00ed bydlen\u00ed, nov\u00e9 auto nebo rekonstrukci. Velmi obl\u00edben\u00fdm produktem je i hypot\u00e9ka pro podnikatele, kter\u00e1 je \u00fa\u010delov\u00e1 a s v\u00fdhodn\u011bj\u0161\u00edm \u00farokem. Bankovn\u00ed p\u016fj\u010dky sice st\u00e1le p\u0159edstavuj\u00ed jednu z nejv\u00fdhodn\u011bj\u0161\u00edch mo\u017enost\u00ed, jak si p\u016fj\u010dit pen\u00edze. Ov\u0161em sjedn\u00e1n\u00ed \u00fav\u011bru m\u016f\u017ee trvat i n\u011bkolik t\u00fddn\u016f, takov\u00fd produkt se tedy nehod\u00ed pro \u017eadatele, kte\u0159\u00ed pot\u0159ebuj\u00ed pen\u00edze p\u016fj\u010dit okam\u017eit\u011b. Vy\u0159izov\u00e1n\u00ed je \u010dasto zdlouhav\u00e9 a pro sjedn\u00e1n\u00ed \u00fav\u011bru je pot\u0159eba mnoho dokument\u016f. Nebankovn\u00ed p\u016fj\u010dka jako skv\u011bl\u00fd produkt, kdy\u017e pot\u0159ebujete pen\u00edze okam\u017eit\u011bU nebankovn\u00edch hypot\u00e9k jsou krit\u00e9ria pro z\u00edsk\u00e1n\u00ed pot\u0159ebn\u00e9ho obnosu pen\u011bz p\u0159eci jenom o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed. Spousta nebankovn\u00edch spole\u010dnost\u00ed sv\u00e9 \u017eadatele zdlouhav\u011b neprov\u011b\u0159uje v registrech dlu\u017en\u00edk\u016f a \u00fav\u011br schvaluje \u010dasto pomoc\u00ed online dotazn\u00edk\u016f do n\u011bkolika minut. Nav\u00edc nen\u00ed probl\u00e9m p\u016fj\u010dit si i men\u0161\u00ed obnos pen\u011bz a p\u0159eklenout tak dobu do v\u00fdplaty. Jen pozor, nebankovn\u00ed p\u016fj\u010dky b\u00fdvaj\u00ed zr\u00e1dn\u00e9, je toti\u017e velmi snadn\u00e9 pen\u00edze z\u00edskat a mnoho lid\u00ed u\u017e s vidinou snadno nabyt\u00fdch pen\u011bz zapomn\u011blo, \u017ee p\u0159ijde i \u010das, kdy pen\u00edze budou muset vr\u00e1tit. Nebankovn\u00ed spole\u010dnosti \u010dasto l\u00e1kaj\u00ed sv\u00e9 klienty na v\u00fdhodn\u00e9 prvn\u00ed p\u016fj\u010dky zdarma, bez dolo\u017een\u00ed p\u0159\u00edjm\u016f a ru\u010den\u00ed. Zkr\u00e1tka jako produkt, kter\u00fd m\u016f\u017ee z\u00edskat \u00fapln\u011b ka\u017ed\u00fd a okam\u017eit\u011b.                                                                                                                                                                                                                                                                                                                                                                                           4.4\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bankovn\u00ed vs. nebankovn\u00ed p\u016fj\u010dka: Co je v\u00fdhodn\u011bj\u0161\u00ed a jak\u00fd je z\u00e1sadn\u00ed rozd\u00edl mezi nimi?","item":"https:\/\/www.envivos.cz\/bankovni-vs-nebankovni-pujcka-co-je-vyhodnejsi-a-jaky-je-zasadni-rozdil-mezi-nimi\/#breadcrumbitem"}]}]