{"id":730,"date":"2023-04-27T13:37:14","date_gmt":"2023-04-27T11:37:14","guid":{"rendered":"https:\/\/extramagazin.cz\/?p=730"},"modified":"2023-04-27T13:37:15","modified_gmt":"2023-04-27T11:37:15","slug":"pocet-nebankovnich-pujcek-stoupa-prozradime-proc","status":"publish","type":"post","link":"https:\/\/extramagazin.cz\/pocet-nebankovnich-pujcek-stoupa-prozradime-proc\/","title":{"rendered":"Po\u010det nebankovn\u00edch p\u016fj\u010dek stoup\u00e1. Prozrad\u00edme pro\u010d"},"content":{"rendered":"\n

Na co si lid\u00e9 berou nej\u010dast\u011bji nebankovn\u00ed p\u016fj\u010dky? Po\u010det p\u016fj\u010dek u nebankovn\u00edch spole\u010dnost\u00ed strm\u011b roste. \u010cesk\u00e1 leasingov\u00e1 a finan\u010dn\u00ed asociace eviduje za lo\u0148sk\u00fd rok n\u00e1r\u016fst u \u010desk\u00fdch dom\u00e1cnost\u00ed t\u00e9m\u011b\u0159 o 10 %. Zjist\u011bte pro\u010d.<\/p>\n\n\n\n

Podle pr\u016fzkum\u016f nem\u00e1 finan\u010dn\u00ed rezervu a\u017e 35 % dom\u00e1cnost\u00ed. V p\u0159\u00edpad\u011b finan\u010dn\u00ed krize se v\u011bt\u0161ina \u010cech\u016f jako prvn\u00ed obrac\u00ed s prosbou o pomoc na sv\u00e9 p\u0159\u00edbuzn\u00e9. \u017d\u00e1dost o nebankovn\u00ed p\u016fj\u010dku<\/a> je hned druh\u00fdm krokem, pokud rodina sel\u017ee. Nen\u00ed proto divu, \u017ee je podle \u0159ady ekonom\u016f v sou\u010dasn\u00e9 dob\u011b p\u016fj\u010dka t\u00e9m\u011b\u0159 existen\u010dn\u00ed nutnost\u00ed. Mnoho lid\u00ed toti\u017e, a\u0165 d\u011bl\u00e1 co d\u011bl\u00e1, \u017eije od v\u00fdplaty k v\u00fdplat\u011b a to i tehdy, pokud neutr\u00e1c\u00ed, nekupuje si zbyte\u010dnosti nebo drah\u00e9 dovolen\u00e9 a ka\u017edou korunu doslova oto\u010d\u00ed v ruce.<\/p>\n\n\n\n

Jedn\u00edm z prvn\u00edch \u00fa\u010del\u016f p\u016fj\u010dek od nebankovn\u00edch spole\u010dnost\u00ed je obvykle financov\u00e1n\u00ed n\u00e1klad\u016f spojen\u00fdch s dom\u00e1cnost\u00ed a b\u011b\u017en\u00fdmi v\u00fddaji. V lo\u0148sk\u00e9m roce byly konkr\u00e9tn\u011b d\u016fvodem nav\u00fd\u0161en\u00ed po\u010dtu poskytnut\u00fdch nebankovn\u00edch p\u016fj\u010dek rostouc\u00ed ceny energi\u00ed, zdra\u017eov\u00e1n\u00ed potravin nebo n\u00e1jemn\u00e9ho. Pohled na \u010d\u00e1stku na faktu\u0159e za energie mohl b\u00fdt nap\u0159\u00edklad docela velk\u00fdm \u0161okem, proto\u017ee dom\u00e1cnosti je\u0161t\u011b nebyly na takov\u00e9 zm\u011bny p\u0159ipraven\u00e9 a na nenad\u00e1l\u00e9 v\u00fddaje nem\u011bly p\u0159ipraven\u00fd rozpo\u010det.<\/p>\n\n\n\n

V\u011bt\u0161ina lid\u00ed s tak markantn\u00edm n\u00e1r\u016fstem cen energi\u00ed, potravin a n\u00e1jm\u016f zkr\u00e1tka nepo\u010d\u00edtala, a proto pro n\u011b byla nebankovn\u00ed p\u016fj\u010dka jedin\u00fdm vysvobozen\u00edm. Pokud toti\u017e nezaplat\u00edte za elekt\u0159inu nebo plyn, zkr\u00e1tka v\u00e1s odpoj\u00ed. Dluh u energetick\u00e9 spole\u010dnosti nav\u00edc m\u016f\u017ee b\u00fdt d\u016fvodem pro z\u00e1znam v registru dlu\u017en\u00edk\u016f SOLUS, kter\u00e9mu se ka\u017ed\u00fd pokou\u0161\u00ed vyhnout, co to jde. Nebankovn\u00ed p\u016fj\u010dka m\u016f\u017ee b\u00fdt v takov\u00e9m p\u0159\u00edpad\u011b skute\u010dn\u011b velk\u00fdm pomocn\u00edkem a mnohdy i jedinou mo\u017enost\u00ed. P\u016fj\u010dka je dobr\u00fdm \u0159e\u0161en\u00edm zvl\u00e1\u0161t\u011b tehdy, pokud m\u00e1te spo\u010d\u00edt\u00e1no, \u017ee p\u016fj\u010dku ze sv\u00e9ho aktu\u00e1ln\u00edho p\u0159\u00edjmu zvl\u00e1dnete splatit.<\/p>\n\n\n\n

Dal\u0161\u00ed skv\u011blou zpr\u00e1vou, \u017ee po\u010det \u00fav\u011br\u016f, kter\u00e9 dlu\u017en\u00edci nezvl\u00e1daj\u00ed spl\u00e1cet, je podle \u00fadaj\u016f \u010cesk\u00e9 n\u00e1rodn\u00ed banky pom\u011brn\u011b mal\u00fd, co\u017e m\u016f\u017ee uklidnit v\u0161echny, kte\u0159\u00ed se p\u016fj\u010dek ob\u00e1vaj\u00ed. Podm\u00ednky pro poskytnut\u00ed p\u016fj\u010dek b\u00fdvaj\u00ed toti\u017e nastaven\u00e9 tak, aby je klienti mohli bez probl\u00e9mu spl\u00e1cet a zbyte\u010dn\u011b se nedost\u00e1vali do nesn\u00e1z\u00ed.<\/p>\n\n\n\n

Nej\u010dast\u011bj\u0161\u00ed v\u00fd\u0161e p\u016fj\u010dky je do 20 tis\u00edc korun<\/h2>\n\n\n\n

Lid\u00e9 si ni\u017e\u0161\u00ed \u010d\u00e1stky do 20 tis\u00edc korun p\u016fj\u010duj\u00ed jak u bank, tak i u nebankovn\u00edch spole\u010dnost\u00ed. U bank je samoz\u0159ejm\u011b vy\u0159\u00edzen\u00ed p\u016fj\u010dky administrativn\u011b a \u010dasov\u011b n\u00e1ro\u010dn\u011bj\u0161\u00ed. Oproti tomu, nebankovn\u00ed p\u016fj\u010dku m\u016f\u017eete m\u00edt na \u00fa\u010dtu b\u011bhem p\u00e1r minut, a to s minimem pap\u00edrov\u00e1n\u00ed. Podm\u00ednky pro z\u00edsk\u00e1n\u00ed nebankovn\u00ed p\u016fj\u010dky b\u00fdvaj\u00ed tak\u00e9 \u010dasto nastaven\u00e1 tak, \u017ee ji maj\u00ed \u0161anci z\u00edskat i m\u00e9n\u011b bonitn\u00ed klienti nebo klienti, kte\u0159\u00ed maj\u00ed drobn\u00fd vroubek v registrech dlu\u017en\u00edk\u016f.<\/p>\n\n\n\n

P\u016fj\u010dky online, bez registru \u010di p\u016fj\u010dky ihned na ruku: V \u010dem jsou v\u00fdhodn\u00e9?<\/h2>\n\n\n\n

Velkou v\u00fdhodou nebankovn\u00edch p\u016fj\u010dek je nejen zm\u00edn\u011bn\u00e1 rychlost a minim\u00e1ln\u00ed pap\u00edrov\u00e1n\u00ed, ale tak\u00e9 individu\u00e1ln\u00ed p\u0159\u00edstup a posouzen\u00ed \u017e\u00e1dosti. Zat\u00edmco banka se \u0159\u00edd\u00ed velmi striktn\u00edmi pravidly pro schv\u00e1len\u00ed, nebankovn\u00ed spole\u010dnost v\u00ed, \u017ee \u017eivot nen\u00ed \u017e\u00e1dn\u00fd med a do finan\u010dn\u00ed t\u00edsn\u011b se dostanete, ani nev\u00edte jak. Pakli\u017ee jste za sv\u016fj \u017eivot stihli z\u00edskat n\u011bjak\u00fd ten vroubek v registru dlu\u017en\u00edk\u016f, nebankovn\u00ed spole\u010dnosti na n\u011bj nahl\u00ed\u017eej\u00ed maxim\u00e1ln\u011b tolerantn\u011b a posoud\u00ed v\u00e1\u0161 p\u0159\u00edpad individu\u00e1ln\u011b.<\/p>\n","protected":false},"excerpt":{"rendered":"

Na co si lid\u00e9 berou nej\u010dast\u011bji nebankovn\u00ed p\u016fj\u010dky? Po\u010det p\u016fj\u010dek u nebankovn\u00edch spole\u010dnost\u00ed strm\u011b roste. \u010cesk\u00e1 leasingov\u00e1 a finan\u010dn\u00ed asociace eviduje za lo\u0148sk\u00fd rok n\u00e1r\u016fst u \u010desk\u00fdch dom\u00e1cnost\u00ed t\u00e9m\u011b\u0159 o 10 %. Zjist\u011bte pro\u010d. Podle pr\u016fzkum\u016f nem\u00e1 finan\u010dn\u00ed rezervu a\u017e 35 % dom\u00e1cnost\u00ed. V p\u0159\u00edpad\u011b finan\u010dn\u00ed krize se v\u011bt\u0161ina \u010cech\u016f jako prvn\u00ed obrac\u00ed s prosbou […]<\/p>\n","protected":false},"author":1,"featured_media":731,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[5],"tags":[],"class_list":["post-730","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/posts\/730","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/comments?post=730"}],"version-history":[{"count":1,"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/posts\/730\/revisions"}],"predecessor-version":[{"id":732,"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/posts\/730\/revisions\/732"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/media\/731"}],"wp:attachment":[{"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/media?parent=730"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/categories?post=730"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/tags?post=730"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}