[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lastavica.cz\/znate-rozdily-mezi-bankovni-a-nebankovni-pujckou\/#Article","mainEntityOfPage":"https:\/\/www.lastavica.cz\/znate-rozdily-mezi-bankovni-a-nebankovni-pujckou\/","headline":"Zn\u00e1te rozd\u00edly mezi bankovn\u00ed a nebankovn\u00ed p\u016fj\u010dkou?","name":"Zn\u00e1te rozd\u00edly mezi bankovn\u00ed a nebankovn\u00ed p\u016fj\u010dkou?","description":"Jestli\u017ee uva\u017eujete o p\u016fj\u010dce, pak jist\u011b tak\u00e9 p\u0159em\u00fd\u0161l\u00edte nad t\u00edm, jak si zvolit tu pravou, … ","datePublished":"2019-08-15","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.lastavica.cz\/author\/#Person","name":"","url":"https:\/\/www.lastavica.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lastavica.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lastavica.cz\/wp-content\/uploads\/img_a360604_w2141_t1574189510.jpg","url":"https:\/\/www.lastavica.cz\/wp-content\/uploads\/img_a360604_w2141_t1574189510.jpg","height":0,"width":0},"url":"https:\/\/www.lastavica.cz\/znate-rozdily-mezi-bankovni-a-nebankovni-pujckou\/","about":["Finance"],"wordCount":427,"articleBody":"      Jestli\u017ee uva\u017eujete o p\u016fj\u010dce, pak jist\u011b tak\u00e9 p\u0159em\u00fd\u0161l\u00edte nad t\u00edm, jak si zvolit tu pravou, kter\u00e1 se dokonale p\u0159izp\u016fsob\u00ed va\u0161im pot\u0159eb\u00e1m a zbyte\u010dn\u011b v\u00e1s nezat\u00ed\u017e\u00ed. P\u0159ece jen, s p\u016fj\u010dkami, i ostatn\u00edmi finan\u010dn\u00edmi z\u00e1vazky, je pot\u0159eba nakl\u00e1dat opatrn\u011b, abychom si na bedra nenalo\u017eili v\u00edce, ne\u017e budeme schopni un\u00e9st. P\u016fj\u010dka je v\u00fdborn\u00fd pomocn\u00edk, ale zl\u00fd p\u00e1n, proto je na m\u00edst\u011b si dop\u0159edu v\u0161echno dvakr\u00e1t promyslet a d\u016fkladn\u011b propo\u010d\u00edtat. Kdy\u017e jde o p\u016fj\u010dky, m\u016f\u017eeme je snadno rozd\u011blit na dva typy podle jejich poskytovatele \u2013 na p\u016fj\u010dky bankovn\u00ed a nebankovn\u00ed \u00fav\u011bry. V lidech je zako\u0159en\u011bn\u00e1 p\u0159edstava, \u017ee bankovn\u00ed p\u016fj\u010dky jsou spolehliv\u00e9, bezpe\u010dn\u00e9, prost\u011b solidn\u00ed, proto\u017ee ze strany banky jim nic nehroz\u00ed. To je ov\u0161em omyl \u2013 pokud nebudete spl\u00e1cet, bude od v\u00e1s banka vym\u00e1hat pen\u00edze stejn\u011b, jako jak\u00fdkoli jin\u00fd poskytovatel. Naopak o nebankovn\u00edch p\u016fj\u010dk\u00e1ch si lid\u00e9 mysl\u00ed, \u017ee jsou rizikov\u00e9. To je ov\u0161em tak\u00e9 omyl \u2013 nejsou o nic rizikov\u011bj\u0161\u00ed, ne\u017e ty, kter\u00e9 si m\u016f\u017eete sjednat v bance. T\u00edm sp\u00ed\u0161e, \u017ee od platnosti nov\u00e9ho z\u00e1kona o spot\u0159ebitelsk\u00fdch \u00fav\u011brech mus\u00ed jak banky, tak nebankovn\u00ed poskytovatel\u00e9 spl\u0148ovat stejn\u011b p\u0159\u00edsn\u00e9 podm\u00ednky. Nicm\u00e9n\u011b n\u011bjak\u00e9 rozd\u00edly zde p\u0159ece jen existuj\u00ed.Nebankovn\u00ed hypot\u00e9ky FAHD jsou rychl\u00e9. Jsou tak rychl\u00e9, \u017ee se v\u00e1m o takov\u00e9 rychlosti p\u0159i vy\u0159izov\u00e1n\u00ed bankovn\u00edho \u00fav\u011bru nikdy ani nezd\u00e1lo. Nejen\u017ee celou v\u011bc vy\u0159e\u0161\u00edte rychle a bez zbyte\u010dn\u00e9 n\u00e1mahy, ale tak\u00e9 proto, \u017ee pen\u00edze m\u016f\u017eete m\u00edt doma ji\u017e za n\u011bkolik dn\u00ed, a mo\u017en\u00e1 i rychleji. A pokud jde o nebankovn\u00ed \u00fav\u011bry, tak ty jsou rovn\u011b\u017e velmi pohodln\u00e9 \u2013 vy sami nemus\u00edte ud\u011blat nic v\u00edc, ne\u017e vyplnit snadn\u00fd online formul\u00e1\u0159 \u017e\u00e1dosti o p\u016fj\u010dku na internetu. Ostatn\u00ed v\u011bci za v\u00e1s vy\u0159e\u0161\u00ed pov\u011b\u0159en\u00fd specialista, kter\u00fd v\u00e1s kontaktuje na sv\u00e9 vlastn\u00ed n\u00e1klady. Neplat\u00edte \u017e\u00e1dn\u00e9 poplatky p\u0159edem, v\u0161e si m\u016f\u017eete a\u017e do posledn\u00ed chv\u00edle rozmyslet. Ale s velkou pravd\u011bpodobnost\u00ed si to nerozmysl\u00edte \u2013 bankovn\u00ed \u00fav\u011br v\u00e1m nebankovn\u00ed spole\u010dnost u\u0161ije na m\u00edru, tak\u017ee pro v\u00e1s bude maxim\u00e1ln\u011b v\u00fdhodn\u00fd.                                                                                                                                                                                                                                                                                                                                                                                          4.7\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Zn\u00e1te rozd\u00edly mezi bankovn\u00ed a nebankovn\u00ed p\u016fj\u010dkou?","item":"https:\/\/www.lastavica.cz\/znate-rozdily-mezi-bankovni-a-nebankovni-pujckou\/#breadcrumbitem"}]}]