{"id":1054,"date":"2023-11-14T21:28:19","date_gmt":"2023-11-14T20:28:19","guid":{"rendered":"https:\/\/financialtimes.cz\/?p=1054"},"modified":"2023-11-14T21:28:20","modified_gmt":"2023-11-14T20:28:20","slug":"pujcky-pro-dluzniky-na-ruku-po-insolvenci-jeste-dnes","status":"publish","type":"post","link":"https:\/\/financialtimes.cz\/?p=1054","title":{"rendered":"P\u016fj\u010dky pro dlu\u017en\u00edky &#8211; na ruku, po insolvenci, je\u0161t\u011b dnes"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>N\u011bkdy si \u010dlov\u011bk mus\u00ed vz\u00edt p\u016fj\u010dku, aby pokryl mimo\u0159\u00e1dn\u00e9 v\u00fddaje nebo neo\u010dek\u00e1van\u00e9 n\u00e1klady. U tradi\u010dn\u00ed banky je v\u0161ak \u010dasto obt\u00ed\u017en\u00e9 usp\u011bt. Na\u0161t\u011bst\u00ed existuj\u00ed p\u016fj\u010dky, kter\u00e9 si dlu\u017en\u00edci mohou vz\u00edt i bez v\u00fdpisu z \u00fa\u010dtu, a n\u011bkter\u00e9 lze dokonce z\u00edskat na ruku je\u0161t\u011b dnes.&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nebankovn\u00ed sektor oproti tradi\u010dn\u00edm bank\u00e1m poskytuje<strong> finan\u010dn\u00ed pomoc<\/strong> t\u00e9m\u011b\u0159 ka\u017ed\u00e9mu. P\u0159i spr\u00e1vn\u00e9m a uv\u00e1\u017eliv\u00e9m hodnocen\u00ed m\u016f\u017ee b\u00fdt takov\u00e1 p\u016fj\u010dka u\u017eite\u010dn\u00e1, by\u0165 je o n\u011bco dra\u017e\u0161\u00ed ne\u017e p\u016fj\u010dka od tradi\u010dn\u00ed banky.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Existuje p\u016fj\u010dka na ruku je\u0161t\u011b dnes?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">P\u016fj\u010dky na ruku jsou \u010dast\u011bji poskytov\u00e1ny mezi jednotliv\u00fdmi osobami bez \u00fa\u010dasti bank nebo jin\u00fdch v\u011b\u0159itel\u016f. D\u00edky tomu lze \u0159\u00edci, \u017ee<strong> <\/strong><a href=\"https:\/\/www.vdenik.cz\/rychla-pujcka\/\"><strong>p\u016fj\u010dka na ruku je\u0161t\u011b dnes<\/strong><\/a> se d\u00e1 zajistit.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jsou zn\u00e1m\u00e9 t\u00edm, \u017ee jsou rychl\u00e9 a maj\u00ed jen m\u00e1lo po\u017eadavk\u016f na pap\u00edrov\u00e1n\u00ed. P\u0159esto je d\u016fle\u017eit\u00e9 nechat si p\u0159ed podpisem <strong>smlouvy o p\u016fj\u010dce <\/strong>poradit od profesion\u00e1ln\u00edho pr\u00e1vn\u00edho nebo finan\u010dn\u00edho poradce.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i uzav\u00edr\u00e1n\u00ed p\u016fj\u010dky na ruku je\u0161t\u011b dnes je t\u0159eba m\u00edt na pam\u011bti n\u011bkolik aspekt\u016f. Zaprv\u00e9 je d\u016fle\u017eit\u00e9 si uv\u011bdomit v\u00fd\u0161i <strong>\u00farokov\u00e9 sazby<\/strong>. \u00darokov\u00e9 sazby p\u016fj\u010dek na ruku se mohou zna\u010dn\u011b li\u0161it, proto je d\u016fle\u017eit\u00e9 prov\u00e9st pr\u016fzkum a porovnat nab\u00eddky r\u016fzn\u00fdch v\u011b\u0159itel\u016f.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u016fle\u017eit\u00e9 je tak\u00e9 zn\u00e1t platebn\u00ed <strong>podm\u00ednky p\u016fj\u010dky<\/strong>, aby dlu\u017en\u00edci v\u011bd\u011bli, jak dlouho mus\u00ed p\u016fj\u010dku spl\u00e1cet, a ujistit se, \u017ee jde o spolehliv\u00e9ho v\u011b\u0159itele, a nikoliv o lichv\u00e1\u0159e.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">P\u016fj\u010dka po insolvenci<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.nakupka.cz\/pujcka-insolvenci\/\"><strong>P\u016fj\u010dky po insolvenci<\/strong><\/a><strong> <\/strong>se mohou zd\u00e1t nemo\u017en\u00e9, nicm\u00e9n\u011b potenci\u00e1ln\u011b je z\u00edskat lze.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podm\u00ednky p\u016fj\u010dky a <strong>\u00farokov\u00e9 sazby<\/strong> budou pravd\u011bpodobn\u011b vy\u0161\u0161\u00ed ne\u017e u typick\u00e9 p\u016fj\u010dky v bance. Tak\u00e9 je nutn\u00e9 po\u010d\u00edtat s t\u00edm, \u017ee \u017e\u00e1dn\u00e1 solidn\u00ed nebankovn\u00ed spole\u010dnost takovou p\u016fj\u010dku neposkytne, a tak se bude z\u00e1konit\u011b jednat o ne zrovna bezpe\u010dn\u00fd produkt.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/Z-fG9fPaRtE0rSMKliJrFfgx0t-nIh7c24Iu3A_2hxmrLZi4vOFFok-MCbH3301ZNPqSTmIVft1Ss8EAa0IWaTTiXaqu4N7TufMu0ZwxWbeOA8O-CdtpuAuypZi6aRgSrvsda-jgYD0sZ51PCkZv4LU\" alt=\"\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>P\u0159i hled\u00e1n\u00ed p\u016fj\u010dky pro dlu\u017en\u00edky nen\u00ed t\u0159eba zoufat, sta\u010d\u00ed jen spr\u00e1vn\u011b prov\u011b\u0159it v\u0161echny mo\u017enosti.&nbsp;<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Po ov\u011b\u0159en\u00ed v\u0161ech dokument\u016f a ur\u010den\u00ed zp\u016fsobilosti m\u016f\u017ee b\u00fdt p\u016fj\u010dka rychle schv\u00e1lena a p\u0159ips\u00e1na na b\u011b\u017en\u00fd \u00fa\u010det b\u011bhem jednoho a\u017e dvou pracovn\u00edch dn\u016f. Od dlu\u017en\u00edka se pak o\u010dek\u00e1v\u00e1, \u017ee bude <strong>spl\u00e1cet v\u010das<\/strong>, co\u017e zajist\u00ed dobrou zku\u0161enost pro ob\u011b strany.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V p\u0159\u00edpad\u011b finan\u010dn\u00ed t\u00edsn\u011b dlu\u017en\u00edka je lep\u0161\u00ed naj\u00edt <strong>p\u016fj\u010dku po insolvenci <\/strong>a vyhnout se jin\u00fdm p\u016fj\u010dk\u00e1m, kter\u00e9 slibuj\u00ed nenahl\u00ed\u017een\u00ed do registru a nevy\u017eaduj\u00ed dolo\u017een\u00ed p\u0159\u00edjm\u016f. Tyto p\u016fj\u010dky b\u00fdvaj\u00ed dra\u017e\u0161\u00ed, nebo\u0165 skr\u00fdvaj\u00ed pro v\u011b\u0159itele velik\u00e9 riziko nespl\u00e1cen\u00ed.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">P\u016fj\u010dka bez v\u00fdpisu z \u00fa\u010dtu<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">P\u016fj\u010dky bez v\u00fdpisu z \u00fa\u010dtu lze z\u00edskat n\u011bkolika zp\u016fsoby. Prim\u00e1rn\u011b mohou b\u00fdt tyto typy \u00fav\u011brov\u00fdch produkt\u016f inzerov\u00e1ny jako <strong>alternativa k tradi\u010dn\u00ed p\u016fj\u010dce<\/strong> s v\u00fdpisem z \u00fa\u010dtu, kter\u00e1 je ide\u00e1ln\u00ed pro osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9, kter\u00e9 nemaj\u00ed klasick\u00e9 zam\u011bstn\u00e1n\u00ed nebo nemaj\u00ed p\u0159\u00edstup k bankovn\u00edmu v\u00fdpisu.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mnoho v\u011b\u0159itel\u016f, kte\u0159\u00ed nab\u00edzej\u00ed <a href=\"https:\/\/www.nakupka.cz\/pujcka-bez-vypisu-z-uctu\/\"><strong>p\u016fj\u010dky bez v\u00fdpisu z \u00fa\u010dtu<\/strong><\/a>, m\u00e1 na m\u00edru \u0161it\u00e9 produkty ur\u010den\u00e9 pro osoby s ne zrovna uk\u00e1zkovou finan\u010dn\u00ed situac\u00ed.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tyto typy produkt\u016f jsou obvykle <strong>nezaji\u0161t\u011bn\u00e9<\/strong> p\u016fj\u010dky, co\u017e znamen\u00e1, \u017ee \u017eadatel\u00e9, aby se kvalifikovali, nemus\u00ed poskytovat z\u00e1stavu k zaji\u0161t\u011bn\u00ed p\u016fj\u010dky. To m\u016f\u017ee b\u00fdt v\u00fdhodn\u00e9 pro ty, kte\u0159\u00ed nemaj\u00ed \u017e\u00e1dn\u00fd majetek, kter\u00fd by mohli poskytnout jako z\u00e1stavu.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/OFlWyUQDFM4_dPIcMh4upogyb3nHR8eKrvNcCaW5J6chha5kbO-dbcXEkglqIbE6bsOQ6iTmGmfaWU2ATQKQ9PxhPt7WzEccI9x14A3S7QswwtkkM3F75Qvg1xCls-XS1-pMDvAdmMn4-KFSgTxGXzE\" alt=\"\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>V\u017edy je t\u0159eba pe\u010dliv\u011b pro\u010d\u00edst podm\u00ednky ka\u017ed\u00e9 smlouvy.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159ed sjedn\u00e1n\u00edm ka\u017ed\u00e9 <a href=\"https:\/\/www.nakupka.cz\/pujcka-pro-dluzniky\/\"><strong>p\u016fj\u010dky pro dlu\u017en\u00edky<\/strong><\/a> je d\u016fle\u017eit\u00e9 zv\u00e1\u017eit, jak\u00fd dopad bude m\u00edt p\u0159ijet\u00ed p\u016fj\u010dky na <strong>\u00fav\u011brov\u00e9 hodnocen\u00ed<\/strong>. \u0160patn\u00fd \u00fav\u011brov\u00fd rating m\u016f\u017ee zt\u00ed\u017eit p\u0159\u00edstup k budouc\u00edm p\u016fj\u010dk\u00e1m nebo jin\u00fdm slu\u017eb\u00e1m poskytovan\u00fdm finan\u010dn\u00edmi institucemi.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>N\u011bkdy si \u010dlov\u011bk mus\u00ed vz\u00edt p\u016fj\u010dku, aby pokryl mimo\u0159\u00e1dn\u00e9 v\u00fddaje nebo neo\u010dek\u00e1van\u00e9 n\u00e1klady. U tradi\u010dn\u00ed banky je v\u0161ak \u010dasto obt\u00ed\u017en\u00e9 usp\u011bt. Na\u0161t\u011bst\u00ed existuj\u00ed p\u016fj\u010dky, kter\u00e9 si dlu\u017en\u00edci mohou vz\u00edt i bez v\u00fdpisu z \u00fa\u010dtu, a n\u011bkter\u00e9 lze dokonce z\u00edskat na ruku je\u0161t\u011b dnes.&nbsp; Nebankovn\u00ed sektor oproti tradi\u010dn\u00edm bank\u00e1m poskytuje finan\u010dn\u00ed pomoc t\u00e9m\u011b\u0159 ka\u017ed\u00e9mu. P\u0159i spr\u00e1vn\u00e9m [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1055,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40],"tags":[],"class_list":["post-1054","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"_links":{"self":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/1054","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1054"}],"version-history":[{"count":0,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/1054\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/media\/1055"}],"wp:attachment":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1054"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1054"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1054"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}