[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.artcat.cz\/pujcka-pro-kazdeho\/#Article","mainEntityOfPage":"https:\/\/www.artcat.cz\/pujcka-pro-kazdeho\/","headline":"P\u016fj\u010dka pro ka\u017ed\u00e9ho?","name":"P\u016fj\u010dka pro ka\u017ed\u00e9ho?","description":"Na trhu je v sou\u010dasn\u00e9 dob\u011b p\u0159ebytek likvidity a banky de facto bojuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta. Ov\u0161em proti nim stoj\u00ed slo\u017eit\u00e1 legislativa, kter\u00e1 jim d\u00e1v\u00e1 za povinnost d\u016fkladnou lustraci ka\u017ed\u00e9ho nov\u00e9ho \u017eadatele o \u00fav\u011br. P\u0159ib\u00fdv\u00e1 tak st\u00e1le v\u00edce zam\u00edtnut\u00fdch \u00fav\u011br\u016f, za kter\u00fdmi je zapot\u0159eb\u00ed hledat sp\u00ed\u0161e slo\u017eit nastavenou legislativu ne\u017e neochotu bank p\u016fj\u010dovat. Nejpo\u010detn\u011bj\u0161\u00ed […]","datePublished":"2021-10-16","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.artcat.cz\/author\/#Person","name":"artcat.cz\n","url":"https:\/\/www.artcat.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/633c8fb9866a4b0403353760c35030d9478298d226363320d7bf91cdc3dbe3b6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/633c8fb9866a4b0403353760c35030d9478298d226363320d7bf91cdc3dbe3b6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"artcat.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.artcat.cz\/wp-content\/uploads\/count-g96aba74b1_640.jpg","url":"https:\/\/www.artcat.cz\/wp-content\/uploads\/count-g96aba74b1_640.jpg","height":0,"width":0},"url":"https:\/\/www.artcat.cz\/pujcka-pro-kazdeho\/","about":["Ekonomika"],"wordCount":386,"articleBody":"   Na trhu je v sou\u010dasn\u00e9 dob\u011b p\u0159ebytek likvidity a banky de facto bojuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta. Ov\u0161em proti nim stoj\u00ed slo\u017eit\u00e1 legislativa, kter\u00e1 jim d\u00e1v\u00e1 za povinnost d\u016fkladnou lustraci ka\u017ed\u00e9ho nov\u00e9ho \u017eadatele o \u00fav\u011br. P\u0159ib\u00fdv\u00e1 tak st\u00e1le v\u00edce zam\u00edtnut\u00fdch \u00fav\u011br\u016f, za kter\u00fdmi je zapot\u0159eb\u00ed hledat sp\u00ed\u0161e slo\u017eit nastavenou legislativu ne\u017e neochotu bank p\u016fj\u010dovat. Nejpo\u010detn\u011bj\u0161\u00ed skupinu zam\u00edtnut\u00fdch \u00fav\u011br\u016f tvo\u0159\u00ed ty od rizikov\u00fdch \u017eadatel\u016f. Ti velmi \u010dasto \u017e\u00e1daj\u00ed o \u00fav\u011br v bank\u00e1ch i v p\u0159\u00edpad\u011b negativn\u00edho z\u00e1znamu v registru dlu\u017en\u00edk\u016f \u010di v insolvenci. V takov\u00fdch p\u0159\u00edpadech ale banky \u00fav\u011br zam\u00edtaj\u00ed, nebo\u0165 \u017eadatel\u00e9 nejsou dostate\u010dn\u011b d\u016fv\u011bryhodn\u00fdmi. I z tohoto d\u016fvodu se \u0159ada z nich nakonec obr\u00e1t\u00ed na nebankovn\u00ed sektor, kde m\u016f\u017ee b\u00fdt hra\u010dka sehnat \u00fav\u011br. Nebankovn\u00ed spole\u010dnosti toti\u017e dok\u00e1\u017e\u00ed t\u011bm bankovn\u00edm konkurovat v cel\u00e9 \u0159ad\u011b faktor\u016f a nav\u00edc jsou k \u017eadatel\u016fm benevolentn\u011bj\u0161\u00ed. Sly\u0161eli jste u\u017e o p\u016fj\u010dk\u00e1ch pro dlu\u017en\u00edky s exekuc\u00ed Lightfinance? Zat\u00edmco v bank\u00e1ch by takov\u00fd \u017eadatel ode\u0161el s nepo\u0159\u00edzenou, tady na \u00fav\u011br m\u016f\u017ee dos\u00e1hnout. Je v\u0161ak zapot\u0159eb\u00ed ru\u010dit nemovitost\u00ed, kter\u00e1 v p\u0159\u00edpad\u011b nespl\u00e1cen\u00ed m\u016f\u017ee propadnout v\u011b\u0159iteli.  Pro\u010d vsadit na nebankovn\u00ed spole\u010dnost? Rychl\u00e9 spot\u0159ebitelsk\u00e9 \u00fav\u011bry od nebankovn\u00edch spole\u010dnost\u00ed mnoho lid\u00ed vol\u00ed v p\u0159\u00edpad\u011b, kdy pot\u0159ebuje rychle zafinancovat ne\u010dekan\u00e9 v\u00fddaje \u010di p\u0159eklenout dobu do dal\u0161\u00ed v\u00fdplaty. Jejich v\u00fdhodou je prim\u00e1rn\u011b rychlost vy\u0159\u00edzen\u00ed, kter\u00e1 je ov\u0161em do jist\u00e9 m\u00edry vykoupena vy\u0161\u0161\u00ed \u00farokovou sazbou. Pro n\u011bkter\u00e9 \u017eadatele jsou ov\u0161em nebankovn\u00ed spole\u010dnosti jedinou z\u00e1chrannou stanic\u00ed na cest\u011b p\u0159ed krachem. \u0158ada lid\u00ed pro p\u016fj\u010dku rad\u011bji zam\u00ed\u0159\u00ed do banky, nebo\u0165 se jedn\u00e1 o subjekt, ve kter\u00fd m\u00e1 v\u011bt\u0161\u00ed d\u016fv\u011bru. Ov\u0161em \u0159ada \u017eadatel\u016f nakonec odch\u00e1z\u00ed s nepo\u0159\u00edzenou. Nebankovn\u00ed spole\u010dnosti bychom tak nem\u011bli vn\u00edmat jako nepoctiv\u00e9 poskytovatele \u00fav\u011br\u016f, nebo\u0165 jsou pro mnoh\u00e9 jedinou mo\u017enost\u00ed, jak si p\u016fj\u010dit.                                                                                                                                                                                                                                                                                                                                                                                           4\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka pro ka\u017ed\u00e9ho?","item":"https:\/\/www.artcat.cz\/pujcka-pro-kazdeho\/#breadcrumbitem"}]}]