[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kalf.cz\/nebankovni-pujcka-ano-nebo-ne\/#Article","mainEntityOfPage":"https:\/\/www.kalf.cz\/nebankovni-pujcka-ano-nebo-ne\/","headline":"Nebankovn\u00ed p\u016fj\u010dka \u2013 ano nebo ne?","name":"Nebankovn\u00ed p\u016fj\u010dka \u2013 ano nebo ne?","description":"Nebankovn\u00ed poskytovatel\u00e9 p\u016fj\u010dek jsou dodnes v mysl\u00edch mnoha lid\u00ed spojeni s lichv\u00e1\u0159i, poskytuj\u00edc\u00edmi pen\u00edze na nesplatiteln\u011b vysok\u00fd \u00farok, respektive s t\u011bmi, kdo v\u011bdom\u011b p\u016fj\u010dovali t\u011bm, kdo sv\u00fdm z\u00e1vazk\u016fm nemohli dost\u00e1t, a to jenom proto, aby m\u011bli tyto lidi v hrsti a mohli je doslova zni\u010dit.
 
 Co\u017e je ov\u0161em vesm\u011bs u\u017e jenom d\u00e1vn\u00e1 minulost. Proto\u017ee […]","datePublished":"2019-02-19","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\/img_a338640_w2566_t1551265244.jpg","url":"https:\/\/www.kalf.cz\/wp-content\/uploads\/img_a338640_w2566_t1551265244.jpg","height":0,"width":0},"url":"https:\/\/www.kalf.cz\/nebankovni-pujcka-ano-nebo-ne\/","about":["Finance"],"wordCount":482,"articleBody":"Nebankovn\u00ed poskytovatel\u00e9 p\u016fj\u010dek jsou dodnes v mysl\u00edch mnoha lid\u00ed spojeni s lichv\u00e1\u0159i, poskytuj\u00edc\u00edmi pen\u00edze na nesplatiteln\u011b vysok\u00fd \u00farok, respektive s t\u011bmi, kdo v\u011bdom\u011b p\u016fj\u010dovali t\u011bm, kdo sv\u00fdm z\u00e1vazk\u016fm nemohli dost\u00e1t, a to jenom proto, aby m\u011bli tyto lidi v hrsti a mohli je doslova zni\u010dit.
 
 Co\u017e je ov\u0161em vesm\u011bs u\u017e jenom d\u00e1vn\u00e1 minulost. Proto\u017ee mezit\u00edm doznaly platn\u00e9 z\u00e1kony zm\u011bn, byly zdokonaleny a n\u011bkdo podobn\u00fd tak musel zmizet v propadli\u0161ti d\u011bjin. Na rozd\u00edl od podnikatel\u016f solidn\u00edch, kte\u0159\u00ed jsou stejn\u011b d\u016fv\u011bryhodn\u00ed jako dejme tomu banky, jenom jsou tak jaksi nebankovn\u00ed.
 
 A proto u\u017e dnes neprohloup\u00ed ten, kdo vsad\u00ed na nebankovn\u00ed sektor sp\u00ed\u0161e ne\u017e na banku klasickou. Proto\u017ee v tom vlastn\u011b nen\u00ed rozd\u00edl. Akor\u00e1t \u017ee je v tom leckdy i dost z\u00e1sadn\u00ed rozd\u00edl.
 
 a) Banky si poji\u0161\u0165uj\u00ed vr\u00e1cen\u00ed p\u016fj\u010den\u00fdch pen\u011bz zpravidla t\u00edm, \u017ee poskytuj\u00ed p\u016fj\u010dky t\u011bm klient\u016fm, kte\u0159\u00ed jsou solventn\u00ed a bez poskvrnky. Tedy nemaj\u00ed \u017e\u00e1dn\u00fd z\u00e1znam v registru dlu\u017en\u00edk\u016f, tedy pokud u\u017e n\u011bjak\u00fd dluh m\u011bli, spl\u00e1celi ho v\u017edy naprosto zodpov\u011bdn\u011b, a naopak maj\u00ed dostate\u010dn\u011b vysok\u00fd a dlouhodob\u011b jist\u00fd p\u0159\u00edjem. P\u0159\u00edpadn\u011b je\u0161t\u011b l\u00e9pe mohou nab\u00eddnout i n\u011bjak\u00e9ho toho spoluru\u010ditele coby garanta, \u017ee v\u0161e bude skute\u010dn\u011b splaceno.
 
 b) Nebankovn\u00ed sektor s\u00e1z\u00ed na jin\u00e9, hmatateln\u011bj\u0161\u00ed z\u00e1ruky. T\u0159eba na z\u00e1stavu nemovitosti. To je jejich jistota a neztr\u00e1cej\u00ed tak \u010das prov\u011b\u0159ov\u00e1n\u00edm solventnosti \u017eadatele, respektive neberou ohled na n\u011bjak\u00fd ten zanedbateln\u011bj\u0161\u00ed h\u0159\u00ed\u0161ek z minula. Proto\u017ee ka\u017ed\u00fd je sv\u00e9ho \u0161t\u011bst\u00ed str\u016fjcem a ka\u017ed\u00fd je zodpov\u011bdn\u00fd s\u00e1m za sebe. A kdyby doty\u010dn\u00fd nespl\u00e1cel, lze se na n\u011bm \u201azahojit\u2018 i jinak.
 
 A jak tud\u00ed\u017e ze zm\u00edn\u011bn\u00e9ho vypl\u00fdv\u00e1, je vcelku lhostejn\u00e9, na koho se \u010dlov\u011bk obr\u00e1t\u00ed. Tedy pokud m\u00e1 na v\u00fdb\u011br a pokud m\u00e1 skute\u010dn\u011b v \u00famyslu p\u016fj\u010den\u00e9 pen\u00edze vr\u00e1tit. A m\u00e1 to nejen v \u00famyslu, ale je to i v jeho sil\u00e1ch.
 
 A tak si klidn\u011b .
 
 Je sice nebankovn\u00ed, ale jak u\u017e zazn\u011blo, to nen\u00ed \u017e\u00e1dn\u00e1 vada na kr\u00e1se, to nen\u00ed \u017e\u00e1dn\u00fd skryt\u00fd probl\u00e9m.
 
 Pokud \u010dlov\u011bk pot\u0159ebuje pen\u00edze na cokoliv, m\u016f\u017ee je m\u00edt klidn\u011b skoro hned. Vy\u0159\u00eddit americkou hypot\u00e9ku nen\u00ed t\u011b\u017ek\u00e9 a spl\u00e1cet ji pak lze klidn\u011b i cel\u00fdch t\u0159icet let po naprosto zanedbateln\u011b mal\u00fdch \u010d\u00e1stk\u00e1ch, na n\u011b\u017e m\u00e1 ka\u017ed\u00fd.
 
 Sta\u010d\u00ed jen si po\u017e\u00e1dat. A potom spl\u00e1cet. Nic v\u00edc v tom nen\u00ed. A nikdy ani nebude.
                                                                                                                                                                                                                                                                                                                                                                                         4.6\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebankovn\u00ed p\u016fj\u010dka \u2013 ano nebo ne?","item":"https:\/\/www.kalf.cz\/nebankovni-pujcka-ano-nebo-ne\/#breadcrumbitem"}]}]