[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sakwa.cz\/rozdily-mezi-bankovni-a-nebankovni-pujckou\/#Article","mainEntityOfPage":"https:\/\/www.sakwa.cz\/rozdily-mezi-bankovni-a-nebankovni-pujckou\/","headline":"Rozd\u00edly mezi bankovn\u00ed a nebankovn\u00ed p\u016fj\u010dkou","name":"Rozd\u00edly mezi bankovn\u00ed a nebankovn\u00ed p\u016fj\u010dkou","description":"\u017dili jste a\u017e dote\u010f v p\u0159esv\u011bd\u010den\u00ed, \u017ee nez\u00e1le\u017e\u00ed, kam p\u016fjdete o p\u016fj\u010dku za\u017e\u00e1dat? Podm\u00ednky a zp\u016fsob vy\u0159\u00edzen\u00ed jsou u obou subjekt\u016f toto\u017en\u00e9, ale zat\u00edmco u nebankovn\u00ed spole\u010dnosti p\u016fj\u010dku vy\u0159\u00edd\u00edte pomalu jedn\u00edm kliknut\u00edm, u banky sjedn\u00e1n\u00ed bude trvat o pozn\u00e1n\u00ed d\u00e9le. V bankovn\u00edm dom\u011b zase p\u0159i sjedn\u00e1n\u00ed p\u016fj\u010dky m\u016f\u017eete hodn\u011b u\u0161et\u0159it. Tak kter\u00e1 p\u016fj\u010dka je ta […]","datePublished":"2020-08-11","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.sakwa.cz\/author\/#Person","name":"sakwa.cz\n","url":"https:\/\/www.sakwa.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b653a05acc9928bc50547a0b6ed51698115bbf59840455a4bc9d337f928ec9d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b653a05acc9928bc50547a0b6ed51698115bbf59840455a4bc9d337f928ec9d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sakwa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sakwa.cz\/wp-content\/uploads\/spo%C5%99en%C3%AD%20pen%C4%9Bz.jpg","url":"https:\/\/www.sakwa.cz\/wp-content\/uploads\/spo%C5%99en%C3%AD%20pen%C4%9Bz.jpg","height":0,"width":0},"url":"https:\/\/www.sakwa.cz\/rozdily-mezi-bankovni-a-nebankovni-pujckou\/","about":["Bydlen\u00ed"],"wordCount":410,"articleBody":"        \u017dili jste a\u017e dote\u010f v p\u0159esv\u011bd\u010den\u00ed, \u017ee nez\u00e1le\u017e\u00ed, kam p\u016fjdete o p\u016fj\u010dku za\u017e\u00e1dat? Podm\u00ednky a zp\u016fsob vy\u0159\u00edzen\u00ed jsou u obou subjekt\u016f toto\u017en\u00e9, ale zat\u00edmco u nebankovn\u00ed spole\u010dnosti p\u016fj\u010dku vy\u0159\u00edd\u00edte pomalu jedn\u00edm kliknut\u00edm, u banky sjedn\u00e1n\u00ed bude trvat o pozn\u00e1n\u00ed d\u00e9le. V bankovn\u00edm dom\u011b zase p\u0159i sjedn\u00e1n\u00ed p\u016fj\u010dky m\u016f\u017eete hodn\u011b u\u0161et\u0159it. Tak kter\u00e1 p\u016fj\u010dka je ta v\u00fdhodn\u011bj\u0161\u00ed? A jak\u00e9 jsou ty nejd\u016fle\u017eit\u011bj\u0161\u00ed rozd\u00edly mezi t\u011bmito dv\u011bma skupinami poskytovatel\u016f?Na \u00favod by bylo dobr\u00e9 dodat, \u017ee rozd\u00edly mezi jednotliv\u00fdmi poskytovateli v bankovn\u00edch a nebankovn\u00edch subjektem se postupn\u011b za\u010d\u00ednaj\u00ed st\u00edrat. Zat\u00edmco d\u0159\u00edve bychom s klidem mohli ozna\u010dit bankovn\u00ed domy za nejlep\u0161\u00ed a nejd\u016fv\u011bryhodn\u011bj\u0161\u00ed poskytovatele p\u016fj\u010dek, po novele z\u00e1kona bychom s t\u00edmto vy\u0159\u010den\u00edm byly p\u0159eci jenom opatrn\u011bj\u0161\u00ed. I p\u0159esto m\u016f\u017eeme naj\u00edt nepatrn\u00e9 rozd\u00edly, poj\u010fme si je postupn\u011b p\u0159edstavit. Do banky pro v\u00fdhodn\u011bj\u0161\u00ed p\u016fj\u010dkuNic se nezm\u011bnilo na tom, \u017ee banky nab\u00edz\u00ed v\u00fdhodn\u011bj\u0161\u00ed \u00farokov\u00e9 sazby ne\u017e nebankovn\u00ed spole\u010dnosti. Banka v\u00edt\u011bz\u00ed i ve v\u00fd\u0161i dal\u0161\u00edch poplatk\u016f, kter\u00e9 jsou se sjedn\u00e1n\u00edm p\u016fj\u010dky \u00fazce spjaty. Do nebankovn\u00ed spole\u010dnosti pro rychlej\u0161\u00ed p\u016fj\u010dkuNechce se v\u00e1m dlouho \u010dekat, \u0159e\u0161it zdlouhav\u00e9 formality a pap\u00edrov\u00e1n\u00ed? V takov\u00e9m p\u0159\u00edpad\u011b je pro v\u00e1s skv\u011blou volbou p\u016fj\u010dka od nebankovn\u00ed spole\u010dnosti. Banky pov\u011bt\u0161inou zdlouhav\u011b prov\u011b\u0159uj\u00ed bonitu klienta, trestn\u00ed i finan\u010dn\u00ed bez\u00fahonnost. Nebankovn\u00ed spole\u010dnosti tyto skute\u010dnosti v\u016fbec neprov\u011b\u0159uj\u00ed nebo na n\u011b neberou z\u0159etel, z tohoto d\u016fvodu je vy\u0159\u00edzen\u00ed p\u016fj\u010dky mnohem rychlej\u0161\u00ed. U nebankovn\u00edch spole\u010dnost\u00ed najdete i takov\u00e9 produkty, jako je hypot\u00e9ka bez registru nebo dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f. Do nebankovn\u00ed spole\u010dnosti pro benevolentn\u011bj\u0161\u00ed podm\u00ednkyZat\u00edmco v bance se p\u0159ipravte na d\u016fkladn\u00e9 prov\u011b\u0159ov\u00e1n\u00ed va\u0161\u00ed finan\u010dn\u00ed minulosti a \u00fav\u011bruschopnosti, v nebankovn\u00edch spole\u010dnostech se tomuto prov\u011b\u0159ov\u00e1n\u00ed ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f vyhnete. Obecn\u011b plat\u00ed, \u017ee \u010d\u00edm je \u00farokov\u00e1 sazba vy\u0161\u0161\u00ed, o to benevolentn\u011bj\u0161\u00ed podm\u00ednky m\u016f\u017eete \u010dekat.                                                                                                                                                                                                                                                                                                                                                                                                   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