[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ipap.cz\/bankovni-nebo-nebankovni-pujcka\/#Article","mainEntityOfPage":"https:\/\/www.ipap.cz\/bankovni-nebo-nebankovni-pujcka\/","headline":"Bankovn\u00ed nebo nebankovn\u00ed p\u016fj\u010dka?","name":"Bankovn\u00ed nebo nebankovn\u00ed p\u016fj\u010dka?","description":"Nebankovn\u00ed p\u016fj\u010dky si roky dr\u017eely pov\u011bst coby nev\u00fdhodn\u00fdch \u00fav\u011brov\u00fdch produkt\u016f, mnohdy se skryt\u00fdmi poplatky. Dnes ov\u0161em pro ned\u016fv\u011bryhodn\u00e9 \u017eadateli mnohdy znamenaj\u00ed jedinou z\u00e1chranou stanici p\u0159ed bankrotem. Nejenom rychlost a benevolentn\u011bj\u0161\u00ed podm\u00ednky hraj\u00ed nebankovn\u00edm spole\u010dnostem do karet. Banky nab\u00edzej\u00ed sv\u00fdm klient\u016fm... <a class=\"more-link\" href=\"https:\/\/www.ipap.cz\/bankovni-nebo-nebankovni-pujcka\/\">Pokra\u010dovat ve \u010dten\u00ed &rarr;<\/a>","datePublished":"2021-03-16","dateModified":"2021-03-16","author":{"@type":"Person","@id":"https:\/\/www.ipap.cz\/author\/#Person","name":"","url":"https:\/\/www.ipap.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7b822bed19dfbc78d1cf42b3649cc2489d12c54b7aef64ae719c01ed9f13d563?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7b822bed19dfbc78d1cf42b3649cc2489d12c54b7aef64ae719c01ed9f13d563?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ipap.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ipap.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_10_10_10_10_6.jpg","url":"https:\/\/www.ipap.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_10_10_10_10_6.jpg","height":0,"width":0},"url":"https:\/\/www.ipap.cz\/bankovni-nebo-nebankovni-pujcka\/","about":["Byt a d\u016fm"],"wordCount":388,"articleBody":"      Nebankovn\u00ed p\u016fj\u010dky si roky dr\u017eely pov\u011bst coby nev\u00fdhodn\u00fdch \u00fav\u011brov\u00fdch produkt\u016f, mnohdy se skryt\u00fdmi poplatky. Dnes ov\u0161em pro ned\u016fv\u011bryhodn\u00e9 \u017eadateli mnohdy znamenaj\u00ed jedinou z\u00e1chranou stanici p\u0159ed bankrotem. Nejenom rychlost a benevolentn\u011bj\u0161\u00ed podm\u00ednky hraj\u00ed nebankovn\u00edm spole\u010dnostem do karet. Banky nab\u00edzej\u00ed sv\u00fdm klient\u016fm \u0159adu \u00fav\u011brov\u00fdch produkt\u016f. Nab\u00edzej\u00ed je t\u00e9m\u011b\u0159 ka\u017ed\u00fd bankovn\u00ed subjekt a pr\u016fm\u011brn\u011b se s nimi za \u017eivot setk\u00e1 ka\u017ed\u00fd druh\u00fd \u010cech. Vyu\u017eijete je p\u0159ev\u00e1\u017en\u011b v p\u0159\u00edpadech, kdy pot\u0159ebujete v\u011bt\u0161\u00ed obnos pen\u011bz, a nebude v\u00e1m vadit del\u0161\u00ed schvalovac\u00ed proces. V p\u0159\u00edpad\u011b, kdy se rozhodnete financovat vlastn\u00ed bydlen\u00ed, rekonstruovat nebo po\u0159\u00eddit nov\u00fd automobil, je \u00fav\u011br z banky tou spr\u00e1vnou volbou. V sou\u010dasnosti se v\u0161ak najde i cel\u00e1 \u0159ada nebankovn\u00edch hypot\u00e9k Fahd.cz, kter\u00e9 mohou b\u00fdt stejn\u011b v\u00fdhodn\u00e9. Bankovn\u00ed p\u016fj\u010dky nejsou v\u017edy tak v\u00fdhodn\u00e9V sou\u010dasnosti bankovn\u00ed subjekty st\u00e1le nab\u00edz\u00ed nejv\u00fdhodn\u011bj\u0161\u00ed \u00fav\u011bry, co se t\u00fd\u010de \u00farokov\u00e9 sazby, fixace a sjednan\u00fdch podm\u00ednek. P\u0159esto je bankovn\u00ed \u00fav\u011br v\u00fdhodn\u00fd jen ve chv\u00edli, kdy \u017eadatel nepot\u0159ebuje finance okam\u017eit\u011b. Banky p\u0159istupuj\u00ed ke ka\u017ed\u00e9mu \u017eadateli individu\u00e1ln\u011b a to znamen\u00e1 i del\u0161\u00ed schvalovac\u00ed proces. Vy\u0159\u00edzen\u00ed je tak zdlouhav\u00e9 s dokl\u00e1d\u00e1n\u00edm mnoha dokument\u016f a byrokracie. \u017dadatel ale v p\u0159\u00edpad\u011b bankovn\u00edho \u00fav\u011bru nen\u00ed omezen maxim\u00e1ln\u00ed v\u00fd\u0161i p\u016fj\u010den\u00e9 \u010d\u00e1stky. Bankovn\u00ed subjekty vedou mezi klienty i v p\u0159\u00edpad\u011b d\u016fv\u011bryhodnosti. Nebankovn\u00ed p\u016fj\u010dky pro ned\u016fv\u011bryhodn\u00e9 \u017eadateleBankovn\u00ed subjekty nab\u00edz\u00ed nejv\u00fdhodn\u011bj\u0161\u00ed \u00fav\u011brov\u00e9 produkty, ale jejich nab\u00eddky nejsou pro ka\u017ed\u00e9ho. Pro banky je d\u016fle\u017eit\u00e1 p\u0159edev\u0161\u00edm bonita \u017eadatele, kterou ovliv\u0148uje cel\u00e1 \u0159ada faktor\u016f (v\u011bk \u017eadatele, pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem, z\u00e1znamy v registrech, dal\u0161\u00ed \u00fav\u011bry atd.) Nebankovn\u00ed \u00fav\u011bru jsou ide\u00e1ln\u00ed volbou pro ty, kter\u00fdm banka odm\u00edtla z n\u011bjak\u00e9ho d\u016fvodu \u00fav\u011br schv\u00e1lit nebo pot\u0159ebuj\u00ed finance v co mo\u017en\u00e1 nejkrat\u0161\u00ed dob\u011b. Na takov\u00e9 \u017eadatele \u010dekaj\u00ed nebankovn\u00ed spole\u010dnosti s otev\u0159enou n\u00e1ru\u010d\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           3.6\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bankovn\u00ed nebo nebankovn\u00ed p\u016fj\u010dka?","item":"https:\/\/www.ipap.cz\/bankovni-nebo-nebankovni-pujcka\/#breadcrumbitem"}]}]