[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kalf.cz\/ktery-druh-uveru-bude-ten-pravy\/#Article","mainEntityOfPage":"https:\/\/www.kalf.cz\/ktery-druh-uveru-bude-ten-pravy\/","headline":"Kter\u00fd druh \u00fav\u011bru bude ten prav\u00fd?","name":"Kter\u00fd druh \u00fav\u011bru bude ten prav\u00fd?","description":"Nebankovn\u00ed \u00fav\u011bry st\u00e1le v n\u011bkter\u00fdch lidech vzbuzuj\u00ed jak\u00fdsi pocit nejistoty. Jsou st\u00e1le pova\u017eov\u00e1ny za nev\u00fdhodn\u00e9 a p\u0159edra\u017een\u00e9 \u00fav\u011brov\u00e9 produkty. To u\u017e ale d\u00e1vno nen\u00ed pravda. Mo\u017en\u00e1 k t\u00e9to skute\u010dnosti \u010d\u00e1ste\u010dn\u011b p\u0159isp\u011bla i novela z\u00e1kona z prosince 2016, kter\u00e1 upravuje podm\u00ednky pro z\u00edsk\u00e1n\u00ed ve\u0161ker\u00fdch \u00fav\u011br\u016f. Dnes tedy dokonce i nebankovn\u00ed instituce p\u0159edstavuj\u00ed bezpe\u010dn\u00fd zp\u016fsob, jak si […]","datePublished":"2021-01-18","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.kalf.cz\/author\/#Person","name":"","url":"https:\/\/www.kalf.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f677d652d46d6437b40497bee38030612d53a3103b24904f519be33cae485306?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f677d652d46d6437b40497bee38030612d53a3103b24904f519be33cae485306?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kalf.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kalf.cz\/wp-content\/uploads\/po%C4%8D%C3%ADt%C3%A1n%C3%AD%20pen%C4%9Bz_10_9.jpg","url":"https:\/\/www.kalf.cz\/wp-content\/uploads\/po%C4%8D%C3%ADt%C3%A1n%C3%AD%20pen%C4%9Bz_10_9.jpg","height":0,"width":0},"url":"https:\/\/www.kalf.cz\/ktery-druh-uveru-bude-ten-pravy\/","about":["Finance"],"wordCount":399,"articleBody":"      Nebankovn\u00ed \u00fav\u011bry st\u00e1le v n\u011bkter\u00fdch lidech vzbuzuj\u00ed jak\u00fdsi pocit nejistoty. Jsou st\u00e1le pova\u017eov\u00e1ny za nev\u00fdhodn\u00e9 a p\u0159edra\u017een\u00e9 \u00fav\u011brov\u00e9 produkty. To u\u017e ale d\u00e1vno nen\u00ed pravda. Mo\u017en\u00e1 k t\u00e9to skute\u010dnosti \u010d\u00e1ste\u010dn\u011b p\u0159isp\u011bla i novela z\u00e1kona z prosince 2016, kter\u00e1 upravuje podm\u00ednky pro z\u00edsk\u00e1n\u00ed ve\u0161ker\u00fdch \u00fav\u011br\u016f. Dnes tedy dokonce i nebankovn\u00ed instituce p\u0159edstavuj\u00ed bezpe\u010dn\u00fd zp\u016fsob, jak si p\u016fj\u010dit pen\u00edze. Bankovn\u00ed p\u016fj\u010dka je \u00fav\u011brov\u00fd produkt v\u011bt\u0161iny bank a nenajde se snad nikdo, kdo se s n\u00ed alespo\u0148 jednou za sv\u016fj \u017eivot nesetk\u00e1. Bankovn\u00ed domy jsou velice kreativn\u00ed, p\u016fj\u010dku lze z\u00edskat t\u00e9m\u011b\u0159 na cokoliv. Od hypot\u00e9ky po spot\u0159ebitelsk\u00fd \u00fav\u011br a\u017e k p\u016fj\u010de p\u0159\u00edmo na studium. V p\u0159\u00edpad\u011b bank je ov\u0161em zapot\u0159eb\u00ed b\u00fdt \u017eadatelem s dostate\u010dnou bonitou, kterou ur\u010duje hned n\u011bkolik faktor\u016f. Schvalovac\u00ed proces v\u011bt\u0161iny bank je velmi zdlouhav\u00fd a bankovn\u00ed \u00fav\u011br vyu\u017eijete hlavn\u011b v p\u0159\u00edpad\u011b, kdy nem\u00e1te probl\u00e9m s del\u0161\u00ed schvalovac\u00ed lh\u016ftou. Banky p\u0159istupuj\u00ed ke ka\u017ed\u00e9 \u017e\u00e1dosti individu\u00e1ln\u011b a tak se cel\u00fd proces vy\u0159izov\u00e1n\u00ed \u00fav\u011bru m\u016f\u017ee prot\u00e1hnout na n\u011bkolik t\u00fddn\u016f. Bankovn\u00ed \u00fav\u011bry jsou v\u00fdhodn\u00e9 v p\u0159\u00edpad\u011b, kdy \u017eadatel pot\u0159ebuje najednou v\u011bt\u0161\u00ed obnos pen\u011bz, pat\u0159\u00ed mezi bezprobl\u00e9mov\u00e9 klienty a nevad\u00ed mu pap\u00edrov\u00e1n\u00ed a v\u0161udy p\u0159\u00edtomn\u00e1 byrokracie. \u0158ada lid\u00ed bankovn\u00ed \u00fav\u011bry st\u00e1le preferuje, jeliko\u017e p\u0159edstavuj\u00ed jak\u00fdsi symbol d\u016fv\u011bryhodnosti. Oproti tomu nebankovn\u00ed p\u016fj\u010dka je v mnoh\u00fdch ohledech pro \u017eadatele daleko benevolentn\u011bj\u0161\u00ed. A to hlavn\u011b v p\u0159\u00edpad\u011b, kdy ho finan\u010dn\u00ed t\u00edse\u0148 v minulosti donutila nedost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, kter\u00e9 v\u016f\u010di v\u011b\u0159itel\u016fm m\u011bl. Nebankovn\u00ed instituce v\u0161ak negativn\u00ed z\u00e1znam v registrech dlu\u017en\u00edk\u016f neberou jako d\u016fvod k zam\u00edtnut\u00ed \u00fav\u011bru. \u0158ada lid\u00ed m\u00e1 nebankovn\u00ed spole\u010dnosti spojen\u00e9 pouze s men\u0161\u00edmi \u00fav\u011bry, kter\u00e9 dok\u00e1\u017e\u00ed pokr\u00fdt ne\u010dekan\u00e9 ud\u00e1losti v dom\u00e1cnostech. Nen\u00ed v\u0161ak \u017e\u00e1dnou v\u00fdjimkou i daleko v\u011bt\u0161\u00ed \u00fav\u011bry, jako je nap\u0159\u00edklad hypot\u00e9ka bez registru a dolo\u017een\u00ed p\u0159\u00edjm\u016f.                                                                                                                                                                                                                                                                                                                                                                                           4.4\/5 - (15 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kter\u00fd druh \u00fav\u011bru bude ten prav\u00fd?","item":"https:\/\/www.kalf.cz\/ktery-druh-uveru-bude-ten-pravy\/#breadcrumbitem"}]}]