[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.playduo.cz\/nebankovni-nebo-bankovni-uver\/#Article","mainEntityOfPage":"https:\/\/www.playduo.cz\/nebankovni-nebo-bankovni-uver\/","headline":"Nebankovn\u00ed nebo bankovn\u00ed \u00fav\u011br?","name":"Nebankovn\u00ed nebo bankovn\u00ed \u00fav\u011br?","description":"Nebankovn\u00ed p\u016fj\u010dky si po dlouh\u00e1 l\u00e9ta dr\u017eela pov\u011bst coby nev\u00fdhodn\u00fdch a p\u0159edra\u017een\u00fdch \u00fav\u011brov\u00fdch produkt\u016f. Ov\u0161em v prosinci 2016 p\u0159i\u0161la novela z\u00e1kona, kter\u00e1 do jist\u00e9 m\u00edry ovlivnila p\u016fsobnost v bankovn\u00edm i nebankovn\u00edm sektoru. Nov\u011b mus\u00ed poskytovatel\u00e9 \u00fav\u011br\u016f z\u00edskat licenci od \u010cNB, kter\u00e1 na tyto subjekty dohl\u00ed\u017e\u00ed. Dnes tedy nebankovn\u00ed instituce znamenaj\u00ed bezpe\u010dn\u00fd zp\u016fsob, jak si p\u016fj\u010dit pen\u00edze v rekordn\u00edm \u010dase a […]","datePublished":"2021-01-17","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.playduo.cz\/author\/#Person","name":"","url":"https:\/\/www.playduo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/16435f0a6c9262449b9ebb39f63178cd65c54b09f931b6f84682f48086e3d763?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/16435f0a6c9262449b9ebb39f63178cd65c54b09f931b6f84682f48086e3d763?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"playduo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.playduo.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_10_2.jpg","url":"https:\/\/www.playduo.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.playduo.cz\/nebankovni-nebo-bankovni-uver\/","about":["Finance"],"wordCount":394,"articleBody":"       Nebankovn\u00ed p\u016fj\u010dky si po dlouh\u00e1 l\u00e9ta dr\u017eela pov\u011bst coby nev\u00fdhodn\u00fdch a p\u0159edra\u017een\u00fdch \u00fav\u011brov\u00fdch produkt\u016f. Ov\u0161em v prosinci 2016 p\u0159i\u0161la novela z\u00e1kona, kter\u00e1 do jist\u00e9 m\u00edry ovlivnila p\u016fsobnost v bankovn\u00edm i nebankovn\u00edm sektoru. Nov\u011b mus\u00ed poskytovatel\u00e9 \u00fav\u011br\u016f z\u00edskat licenci od \u010cNB, kter\u00e1 na tyto subjekty dohl\u00ed\u017e\u00ed. Dnes tedy nebankovn\u00ed instituce znamenaj\u00ed bezpe\u010dn\u00fd zp\u016fsob, jak si p\u016fj\u010dit pen\u00edze v rekordn\u00edm \u010dase a bez zbyte\u010dn\u00e9 byrokracie a pap\u00edrov\u00e1n\u00ed. Bankovn\u00ed p\u016fj\u010dkaS bankovn\u00ed p\u016fj\u010dkou se v n\u011bjak\u00e9 form\u011b setkal snad ka\u017ed\u00fd z n\u00e1s a je produktem cel\u00e9 \u0159ady bank. Vyu\u017eijete j\u00ed hlavn\u011b v p\u0159\u00edpad\u011b, kdy pot\u0159ebujete najednou v\u011bt\u0161\u00ed obnos pen\u011bz, ale nevad\u00ed v\u00e1m podstoupit del\u0161\u00ed schvalovac\u00ed proces. \u0158ada lid\u00ed tak m\u00ed\u0159\u00ed do banky v p\u0159\u00edpad\u011b sjedn\u00e1n\u00ed hypot\u00e9ky za \u00fa\u010delem financov\u00e1n\u00ed vlastn\u00edho bydlen\u00ed. I kdy\u017e je \u0159ada lid\u00ed st\u00e1le preferuje, bankovn\u00ed p\u016fj\u010dky nejsou pro ka\u017ed\u00e9ho v\u017edy v\u00fdhodn\u00e9. V p\u0159\u00edpad\u011b, kdy pot\u0159ebujete pen\u00edze co nejrychleji, nen\u00ed banka zrovna tou nejlep\u0161\u00ed volbou pro uzav\u0159en\u00ed \u00fav\u011brov\u00e9 smlouvy. Na p\u016fj\u010dku od banky si toti\u017e s ur\u010ditost\u00ed n\u011bjak\u00fd \u010das po\u010dk\u00e1te a to v p\u0159\u00edpad\u011b, kdy pen\u00edze pot\u0159ebujete ihned, nen\u00ed zrovna praktick\u00e9. U v\u011bt\u0161iny bank v\u0161ak nejste p\u0159\u00edli\u0161 limitov\u00e1ni v\u00fd\u0161i p\u016fj\u010den\u00e9 \u010d\u00e1stky a pro \u0159adu lid\u00ed je bankovn\u00ed sektor st\u00e1le jak\u00fdmsi pomysln\u00fdm symbolem d\u016fv\u011bryhodnosti. Nebankovn\u00ed p\u016fj\u010dkaNebankovn\u00ed p\u016fj\u010dka je ide\u00e1ln\u00ed pro ty, kte\u0159\u00ed se vlivem okolnost\u00ed ocitli v t\u011b\u017ek\u00e9 finan\u010dn\u00ed situaci a pot\u0159ebuj\u00ed pen\u00edze okam\u017eit\u011b. U nebankovn\u00edch spole\u010dnost\u00ed je velk\u00e1 pravd\u011bpodobnost, \u017ee pen\u00edze z\u00edsk\u00e1te co nejd\u0159\u00edve. Tedy v p\u0159\u00edpad, kdy spln\u00edte v\u0161echny podm\u00ednky stanoven\u00e9 \u010cNB a danou nebankovn\u00ed spole\u010dnost\u00ed. Nebankovn\u00ed spole\u010dnosti v\u0161ak nejsou pouze zprost\u0159edkovatelem rychl\u00fdm \u00fav\u011br\u016f, kter\u00e9 mnohdy \u017eadatel\u00e9 vyu\u017e\u00edvaj\u00ed k p\u0159ekryt\u00ed nenad\u00e1l\u00e9ho finan\u010dn\u00edho v\u00fdpadku, ale nab\u00edzej\u00ed i daleko zaj\u00edmav\u011bj\u0161\u00ed \u00fav\u011brov\u00e9 produkty. Takov\u00fdm produktem je i americk\u00e1 hypot\u00e9ka bez registru.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebankovn\u00ed nebo bankovn\u00ed \u00fav\u011br?","item":"https:\/\/www.playduo.cz\/nebankovni-nebo-bankovni-uver\/#breadcrumbitem"}]}]