[{"@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\/art386881_16x9_20260817_100030_N5DM9E.jpg","url":"https:\/\/www.sakwa.cz\/wp-content\/uploads\/art386881_16x9_20260817_100030_N5DM9E.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\u010dku  Nic 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\u010dku  Nechce 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\u00ednky  Zat\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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