{"id":632,"date":"2021-11-04T12:04:26","date_gmt":"2021-11-04T11:04:26","guid":{"rendered":"https:\/\/financialtimes.cz\/?p=632"},"modified":"2021-11-04T12:04:27","modified_gmt":"2021-11-04T11:04:27","slug":"pujcky-ihned-hotove-na-smenku","status":"publish","type":"post","link":"https:\/\/financialtimes.cz\/?p=632","title":{"rendered":"P\u016fj\u010dky ihned hotov\u011b na sm\u011bnku"},"content":{"rendered":"\n

M\u00e1te probl\u00e9my s p\u016fj\u010dkou, nem\u00e1te \u0161anci na z\u00edsk\u00e1n\u00ed financ\u00ed od banky<\/strong> nebo v\u011bt\u0161\u00ed nebankovn\u00ed spole\u010dnosti a dostali jste nab\u00eddku p\u016fj\u010dky na sm\u011bnku? Nev\u00edte p\u0159esn\u011b, co od tohoto typu p\u016fj\u010dky o\u010dek\u00e1vat nebo m\u00e1te strach, \u017ee by va\u0161e sm\u011bnka mohla b\u00fdt zneu\u017eita? Pokud si v\u0161ak v\u0161e zkontrolujete a p\u016fj\u010dka na sm\u011bnku bude m\u00edt spr\u00e1vn\u00e9 parametry<\/strong>, nemus\u00edte se ni\u010deho ob\u00e1vat. Sm\u011bnky maj\u00ed dlouhou tradici a jsou jedn\u00edm ze zp\u016fsob\u016f zaji\u0161t\u011bn\u00ed p\u016fj\u010dky. Funguj\u00ed p\u0159edev\u0161\u00edm u p\u016fj\u010dek mezi fyzick\u00fdmi osobami.<\/p>\n\n\n\n

<\/a> Sm\u011bnka jako cenn\u00fd pap\u00edr<\/h2>\n\n\n\n

U poskytovatel\u016f jsou sm\u011bnky obl\u00edben\u00e9, jedn\u00e1 se toti\u017e o cenn\u00fd pap\u00edr<\/strong>, se kter\u00fdm lze d\u00e1le obchodovat a p\u0159edm\u011bt sm\u011bnky je pom\u011brn\u011b snadno vymahateln\u00fd. Z\u00e1kon p\u0159esn\u011b definuje n\u00e1le\u017eitosti, kter\u00e9 mus\u00ed sm\u011bnka obsahovat, jinak by nebyla platn\u00e1. Jedn\u00e1 se p\u0159edev\u0161\u00edm o vymezen\u00ed pr\u00e1v i povinnost\u00ed dlu\u017en\u00edka i v\u011b\u0159itele<\/strong>. Osoba, kter\u00e1 sm\u011bnku podep\u00ed\u0161e, se zavazuje k tomu, \u017ee v dob\u011b, kter\u00e1 je na sm\u011bnce uvedena zaplat\u00ed majiteli sm\u011bnky uvedenou \u010d\u00e1stku zp\u016fsobem, kter\u00fd je ve sm\u011bnce tak\u00e9 sjedn\u00e1n.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

<\/a> Podoba sm\u011bnky d\u00e1na nen\u00ed<\/h2>\n\n\n\n

Nikde nen\u00ed uvedeno, jakou podobu m\u00e1 sm\u011bnka m\u00edt<\/strong>, neexistuje tedy p\u0159edepsan\u00fd formul\u00e1\u0159, pouze \u00fadaje, kter\u00e9 ve sm\u011bnce b\u00fdt musej\u00ed. Jedn\u00e1 se o ozna\u010den\u00ed, \u017ee se jedn\u00e1 o sm\u011bnku, slib zaplatit ur\u010denou sumu, \u00fadaj o splatnosti a m\u00edstu, kde bude zaplaceno, jm\u00e9no toho, komu m\u00e1 b\u00fdt zaplaceno, datum a m\u00edsto vystaven\u00ed sm\u011bnky a podpis toho, kdo sm\u011bnku vystavil. Sm\u011bnka mus\u00ed m\u00edt v\u017edy p\u00edsemnou formu<\/strong>.<\/p>\n\n\n\n

<\/a> Sm\u011bnku si v\u017edy zkontrolujte<\/h2>\n\n\n\n

Nikdy nepodepisujte sm\u011bnku, ani\u017e byste se d\u016fkladn\u011b sezn\u00e1mili s jej\u00edm obsahem<\/strong>. Pokud sm\u011bnku podep\u00ed\u0161ete, nebudete u\u017e m\u00edt mo\u017enost m\u011bnit jej\u00ed obsah a mohli byste doplatit nap\u0159\u00edklad na to, \u017ee by do sm\u011bnky mohly b\u00fdt dopln\u011bny podm\u00ednky pro v\u00e1s nev\u00fdhodn\u00e9. \u010c\u00e1stku nechte napsat slovy<\/strong>, aby nemohla b\u00fdt zm\u011bn\u011bna. Pokud nechcete, aby se s va\u0161\u00ed sm\u011bnkou obchodovalo, m\u016f\u017eete ozna\u010dit osobu, kter\u00e9 jako jedin\u00e9 bude sm\u011bnka proplacena. Pak nem\u016f\u017ee b\u00fdt va\u0161e sm\u011bnka d\u00e1le prod\u00e1v\u00e1na.<\/p>\n\n\n\n

Ru\u010dit se d\u00e1 i \u0161perky ze st\u0159\u00edbra<\/strong><\/u><\/a>, ale, a to je v\u00fdhodn\u011bj\u0161\u00ed i \u0161perky ze zlata<\/strong><\/u><\/a>. Zde si m\u016f\u017eete p\u0159e\u010d\u00edst v\u00edce infomac\u00ed o drah\u00fdch kovech<\/strong><\/u><\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

M\u00e1te probl\u00e9my s p\u016fj\u010dkou, nem\u00e1te \u0161anci na z\u00edsk\u00e1n\u00ed financ\u00ed od banky nebo v\u011bt\u0161\u00ed nebankovn\u00ed spole\u010dnosti a dostali jste nab\u00eddku p\u016fj\u010dky na sm\u011bnku? Nev\u00edte p\u0159esn\u011b, co od tohoto typu p\u016fj\u010dky o\u010dek\u00e1vat nebo m\u00e1te strach, \u017ee by va\u0161e sm\u011bnka mohla b\u00fdt zneu\u017eita? Pokud si v\u0161ak v\u0161e zkontrolujete a p\u016fj\u010dka na sm\u011bnku bude m\u00edt spr\u00e1vn\u00e9 parametry, nemus\u00edte se […]<\/p>\n","protected":false},"author":1,"featured_media":634,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"class_list":["post-632","post","type-post","status-publish","format-standard","has-post-thumbnail","category-aktualne"],"_links":{"self":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/632","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=632"}],"version-history":[{"count":0,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/632\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/media\/634"}],"wp:attachment":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=632"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=632"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=632"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}