[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.simpli.cz\/je-nebankovni-uver-skutecne-nevyhodny\/#Article","mainEntityOfPage":"https:\/\/www.simpli.cz\/je-nebankovni-uver-skutecne-nevyhodny\/","headline":"Je nebankovn\u00ed \u00fav\u011br skute\u010dn\u011b nev\u00fdhodn\u00fd?","name":"Je nebankovn\u00ed \u00fav\u011br skute\u010dn\u011b nev\u00fdhodn\u00fd?","description":"Mnoho lid\u00ed se myln\u011b domn\u00edv\u00e1, \u017ee nebankovn\u00ed subjekty nab\u00edz\u00ed pouze nev\u00fdhodn\u00e9 a p\u0159edra\u017een\u00e9 \u00fav\u011brov\u00e9 produkty mnohdy se skryt\u00fdmi poplatky. Je tomu opravdu tak nebo se […]","datePublished":"2021-08-21","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.simpli.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.simpli.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7c144e1de0ecc43e7a8353c804f0c7ea63c9554336576e7048c4bdeaa59bbbbb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7c144e1de0ecc43e7a8353c804f0c7ea63c9554336576e7048c4bdeaa59bbbbb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"simpli.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.simpli.cz\/wp-content\/uploads\/uskute%C4%8Dn%C4%9Bn%C3%BD%20kontrakt_1.jpg","url":"https:\/\/www.simpli.cz\/wp-content\/uploads\/uskute%C4%8Dn%C4%9Bn%C3%BD%20kontrakt_1.jpg","height":0,"width":0},"url":"https:\/\/www.simpli.cz\/je-nebankovni-uver-skutecne-nevyhodny\/","about":["Finance"],"wordCount":366,"articleBody":"         Mnoho lid\u00ed se myln\u011b domn\u00edv\u00e1, \u017ee nebankovn\u00ed subjekty nab\u00edz\u00ed pouze nev\u00fdhodn\u00e9 a p\u0159edra\u017een\u00e9 \u00fav\u011brov\u00e9 produkty mnohdy se skryt\u00fdmi poplatky. Je tomu opravdu tak nebo se jedn\u00e1 jen o za\u017eit\u00fd stereotyp, kter\u00fd m\u00e1 daleko od pravdy? Pro mnoh\u00e9 jsou nebankovn\u00ed poskytovatel\u00e9 jedinou z\u00e1chranou stanic\u00ed na cest\u011b p\u0159ed krachem. Ur\u010dit\u011b bychom je tak nem\u011bli odsuzovat, nebo\u0165 jsou stejn\u011b v\u00fdhodn\u00e9 jako n\u011bkter\u00e9 bankovn\u00ed \u00fav\u011bry. Poj\u010fme si spole\u010dn\u011b p\u0159ipomenout jejich pozitiva. Rychlost a snadnost vy\u0159\u00edzen\u00ed \u00fav\u011bruZat\u00edmco bankovn\u00ed instituce p\u0159istupuj\u00ed ke ka\u017ed\u00e9 \u017e\u00e1dosti individu\u00e1ln\u011b, nebankovn\u00ed instituce pracuj\u00ed s automatick\u00fdm schvalovac\u00edm procesem. Co to znamen\u00e1 pro \u017eadatele? \u017de pro p\u016fj\u010dku nemus\u00ed slo\u017eit\u011b do banky, ale mohou o n\u00ed po\u017e\u00e1dat i v pohodl\u00ed domova. P\u0159i \u017e\u00e1dosti sta\u010d\u00ed dolo\u017eit ofocen\u00e9 dokumenty, vyplnit \u00fadaje a pak jen \u010dekat, zda \u017e\u00e1dosti bude vyhov\u011bno \u010di nikoliv. Pokud je \u017e\u00e1dost vy\u0159\u00edzena kladn\u011b, n\u011bkter\u00e9 spole\u010dnosti odes\u00edlaj\u00ed pen\u00edze je\u0161t\u011b ten den na \u00fa\u010det. Benevolentn\u011bj\u0161\u00ed podm\u00ednkyBenevolentn\u011bj\u0161\u00ed podm\u00ednky je asi nej\u010dast\u011bj\u0161\u00ed d\u016fvod, pro kter\u00fd se v\u011bt\u0161ina lid\u00ed rozhodne pro nebankovn\u00ed spole\u010dnost. \u00dav\u011br bez dolo\u017een\u00ed p\u0159\u00edjm\u016f nebo t\u0159eba hypot\u00e9ka bez registru to jsou nab\u00eddky, kter\u00e9 v bank\u00e1ch nedostanete. Pokud se tedy z jak\u00e9hokoliv d\u016fvodu ocitne \u017eadatel v situaci, kdy je mu \u017e\u00e1dost o \u00fav\u011br v bance zam\u00edtnut, je\u0161t\u011b nen\u00ed pot\u0159eba si zoufat. Nebankovn\u00ed spole\u010dnosti pov\u011bt\u0161inou na takov\u00e9 \u017eadatele \u010dekaj\u00ed p\u0159\u00edmo s otev\u0159enou n\u00e1ru\u010d\u00ed. Je v\u0161ak zapot\u0159eb\u00ed po\u010d\u00edtat se skute\u010dnost\u00ed, \u017ee tato benevolentnost bude do jist\u00e9 m\u00edry vykoupeny vy\u0161\u0161\u00ed \u00farokovou sazbou. Nebankovn\u00ed spole\u010dnosti jsou tak mnohdy jedinou mo\u017enost\u00ed pro rizikov\u00e9 \u017eadatele, kter\u00fdm banky odm\u00edtli p\u016fj\u010dit. M\u011bjte na pam\u011bti, \u017ee krom\u011b negativn\u00edch z\u00e1znam\u016f se v registrech objevuj\u00ed i ne\u00fasp\u011b\u0161n\u00e9 \u017e\u00e1dosti o \u00fav\u011br. Pokud tedy \u017eadatel \u00fav\u011br v jedn\u00e9 bance nez\u00edsk\u00e1, v dal\u0161\u00ed bance pov\u011bt\u0161inou skon\u010d\u00ed se stejn\u00fdm z\u00e1v\u011brem.                                                                                                                                                                                                                                                                                                                                                                                           4.6\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je nebankovn\u00ed \u00fav\u011br skute\u010dn\u011b nev\u00fdhodn\u00fd?","item":"https:\/\/www.simpli.cz\/je-nebankovni-uver-skutecne-nevyhodny\/#breadcrumbitem"}]}]