{"id":666,"date":"2022-02-09T22:16:26","date_gmt":"2022-02-09T21:16:26","guid":{"rendered":"https:\/\/financialtimes.cz\/?p=666"},"modified":"2022-02-09T22:16:27","modified_gmt":"2022-02-09T21:16:27","slug":"okamzita-pujcka-pro-dluzniky-nejlepsi-nebankovni-pujcka-online","status":"publish","type":"post","link":"https:\/\/financialtimes.cz\/?p=666","title":{"rendered":"Okam\u017eit\u00e1 p\u016fj\u010dka pro dlu\u017en\u00edky &#8211; nejlep\u0161\u00ed nebankovn\u00ed p\u016fj\u010dka online?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">I p\u0159es ve\u0161kerou snahu se v posledn\u00edch letech po\u010det exekuc\u00ed pohybuje kolem 750 tis\u00edc, v\u00fdjimkou nejsou ani takov\u00ed, kte\u0159\u00ed se mus\u00ed pot\u00fdkat t\u0159eba s deseti exekucemi najednou. I p\u0159esto existuj\u00ed lid\u00e9, pro kter\u00e9 nen\u00ed hrozba exekuc\u00ed odstra\u0161uj\u00edc\u00ed natolik, aby se nezapletli do koloto\u010de p\u016fj\u010dek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">P\u016fj\u010dka od banky nebo nejlep\u0161\u00ed nebankovn\u00ed p\u016fj\u010dka<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">P\u016fj\u010dit si od banky m\u00e1 st\u00e1le lep\u0161\u00ed zvuk, ne\u017e p\u016fj\u010dka od nebankovn\u00ed instituce. Ale z\u00edskat p\u016fj\u010dku v bance nen\u00ed nijak snadn\u00e9. Ze z\u00e1kona m\u00e1 banka povinnost ov\u011b\u0159ovat klientovu d\u016fv\u011bryhodnost a schopnost spl\u00e1cet. D\u011bl\u00e1 to jednak d\u016fkladn\u00fdm dotazov\u00e1n\u00edm, studiem bankovn\u00edch v\u00fdpis\u016f, ale tak\u00e9 prov\u011b\u0159ov\u00e1n\u00edm klienta v registru dlu\u017en\u00edk\u016f. Tam je nejl\u00e9pe vid\u011bt klientova schopnost spl\u00e1cet a zd\u00e1 m\u00e1 s p\u016fj\u010dkami n\u011bjak\u00e9 negativn\u00ed zku\u0161enosti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Povinnost prov\u011b\u0159ovat klienty v registru dlu\u017en\u00edk\u016f maj\u00ed i nebankovn\u00ed instituce, ale ty se mohou rozhodnout p\u016fj\u010dit pen\u00edze i tomu, kdo m\u00e1 v registru negativn\u00ed z\u00e1znam. Pokud se tak rozhodne, nastav\u00ed pro klienta svazuj\u00edc\u00ed podm\u00ednky, kter\u00e9 nejsou zdaleka tak v\u00fdhodn\u00e9, jako u p\u016fj\u010dky v bance. Samoz\u0159ejmost\u00ed je v takov\u00e9m p\u0159\u00edpad\u011b vy\u0161\u0161\u00ed \u00farok i RPSN.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Okam\u017eit\u00e1 p\u016fj\u010dka pro dlu\u017en\u00edky a dal\u0161\u00ed v\u00fdhody nebankovn\u00edch p\u016fj\u010dek<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dlu\u017en\u00edk\u016fm uveden\u00fdm v registru nebo v Centr\u00e1ln\u00ed evidenci exekuc\u00ed tak nezb\u00fdv\u00e1 ne\u017e obr\u00e1tit se pro p\u016fj\u010dku mimo bankovn\u00ed sektor. P\u0159esto maj\u00ed nebankovn\u00ed p\u016fj\u010dky n\u011bkter\u00e9 nesporn\u00e9 v\u00fdhody.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Velmi popul\u00e1rn\u00ed je <a href=\"https:\/\/www.vimvic.cz\/pujcky\/online-pujcky\">p\u016fj\u010dka online<\/a> &#8211; ve\u0161kerou administrativu vy\u0159\u00edd\u00edte jednodu\u0161e p\u0159es po\u010d\u00edta\u010d nebo mobiln\u00ed telefon, sta\u010d\u00ed p\u0159ipojen\u00ed k internetu. Dlu\u017eno dodat, \u017ee p\u016fj\u010dka online je dnes k dost\u00e1n\u00ed i u bank, kter\u00e9 se rozhodly nez\u016fstat pozadu a tento popul\u00e1rn\u00ed produkt za\u0159adily i do sv\u00e9 nab\u00eddky, proto\u017ee p\u0159ich\u00e1zely o \u0159adu klient\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u016fj\u010dka online m\u016f\u017ee b\u00fdt tak\u00e9 okam\u017eit\u00e1 p\u016fj\u010dka pro dlu\u017en\u00edky. I ta nab\u00edz\u00ed schv\u00e1len\u00ed b\u011bhem n\u011bkolika minut a pen\u00edze m\u016f\u017ee m\u00edt \u017eadatel na \u00fa\u010dtu je\u0161t\u011b v den pod\u00e1n\u00ed \u017e\u00e1dosti. T\u00edm hlavn\u00edm rozd\u00edlem je tedy to, \u017ee <a href=\"https:\/\/www.vimvic.cz\/pujcky\/pujcky-pro-dluzniky-s-exekuci\">okam\u017eit\u00e1 p\u016fj\u010dka pro dlu\u017en\u00edky<\/a> je ur\u010dena pr\u00e1v\u011b klient\u016fm s negativn\u00edm z\u00e1znamem v registru dlu\u017en\u00edk\u016f. N\u011bkdy okam\u017eit\u00e1 p\u016fj\u010dka pro dlu\u017en\u00edky m\u016f\u017ee vy\u0159e\u0161it t\u00ed\u017eivou finan\u010dn\u00ed situaci (nap\u0159\u00edklad rozbitou pra\u010dku nebo lednici), ale \u010dlov\u011bk by se k n\u00ed m\u011bl uch\u00fdlit pouze ve chv\u00edli, kdy si je jist\u00fd, \u017ee je schopen sv\u00e9 z\u00e1vazky spl\u00e1cet.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak tedy vypad\u00e1 nejlep\u0161\u00ed nebankovn\u00ed p\u016fj\u010dka<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Na tuto ot\u00e1zku neexistuje jednozna\u010dn\u00e1 odpov\u011b\u010f, proto\u017ee ka\u017ed\u00fd klient m\u016f\u017ee p\u0159ij\u00edt s jin\u00fdmi o\u010dek\u00e1v\u00e1n\u00edmi. Samoz\u0159ejmost\u00ed nejen u nebankovn\u00edch produkt\u016f je p\u016fj\u010dka online, kter\u00e1 nab\u00edz\u00ed rychl\u00e9 schv\u00e1len\u00ed i zasl\u00e1n\u00ed pen\u011bz na \u00fa\u010det. Naopak okam\u017eit\u00e1 p\u016fj\u010dka pro dlu\u017en\u00edky pat\u0159\u00ed sp\u00ed\u0161e mezi rizikov\u00e9 produkty, kter\u00fdm je lep\u0161\u00ed se vyhnout.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.vimvic.cz\/clanek\/nebankovni-pujcky-recenze-nejlepsich\">Nejlep\u0161\u00ed nebankovn\u00ed p\u016fj\u010dka<\/a> tedy mus\u00ed b\u00fdt bezpe\u010dn\u00e1 a m\u00e1 tak vlastn\u011b stejn\u00e9 podm\u00ednky jako p\u016fj\u010dka v bance. Pokud pat\u0159\u00edte mezi bonitn\u00ed klienty, m\u016f\u017ee pro v\u00e1s b\u00fdt nepodstatn\u00e9, jestli si vyberete p\u016fj\u010dku v bance nebo u nebankovn\u00ed spole\u010dnosti, proto\u017ee do dluhov\u00e9 pasti m\u00e1te stejn\u011b daleko tam i tam.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>I p\u0159es ve\u0161kerou snahu se v posledn\u00edch letech po\u010det exekuc\u00ed pohybuje kolem 750 tis\u00edc, v\u00fdjimkou nejsou ani takov\u00ed, kte\u0159\u00ed se mus\u00ed pot\u00fdkat t\u0159eba s deseti exekucemi najednou. I p\u0159esto existuj\u00ed lid\u00e9, pro kter\u00e9 nen\u00ed hrozba exekuc\u00ed odstra\u0161uj\u00edc\u00ed natolik, aby se nezapletli do koloto\u010de p\u016fj\u010dek. P\u016fj\u010dka od banky nebo nejlep\u0161\u00ed nebankovn\u00ed p\u016fj\u010dka P\u016fj\u010dit si od banky [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":667,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"class_list":["post-666","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\/666","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=666"}],"version-history":[{"count":0,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/666\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/media\/667"}],"wp:attachment":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=666"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=666"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=666"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}