[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kaego.cz\/i-nebankovni-pujcka-muze-byt-vyhodna\/#Article","mainEntityOfPage":"https:\/\/www.kaego.cz\/i-nebankovni-pujcka-muze-byt-vyhodna\/","headline":"I nebankovn\u00ed p\u016fj\u010dka m\u016f\u017ee b\u00fdt v\u00fdhodn\u00e1!","name":"I nebankovn\u00ed p\u016fj\u010dka m\u016f\u017ee b\u00fdt v\u00fdhodn\u00e1!","description":"Bankovn\u00ed p\u016fj\u010dku asi nen\u00ed pot\u0159eba slo\u017eit\u011b p\u0159edstavovat, je produktem v\u011bt\u0161iny bank a vyu\u017eijeme j\u00ed hlavn\u011b v p\u0159\u00edpad\u011b, kdy pot\u0159ebujeme v\u011bt\u0161\u00ed finan\u010dn\u00ed obnos, ale p\u0159\u00edli\u0161 n\u00e1s netr\u00e1p\u00ed del\u0161\u00ed schvalovac\u00ed proces. A to je pro mnoh\u00e9 mo\u017en\u00e1 k\u00e1men \u00farazu. Ano, bankovn\u00ed poskytovatel\u00e9 jsou st\u00e1le v \u010dele, co se t\u00fdk\u00e1 d\u016fv\u011bryhodnosti u sv\u00fdch klient\u016f, nab\u00edz\u00ed p\u0159\u00edznivou \u00farokovou sazbu...","datePublished":"2021-04-12","dateModified":"2023-05-08","author":{"@type":"Person","@id":"https:\/\/www.kaego.cz\/author\/#Person","name":"","url":"https:\/\/www.kaego.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ccdd701717dc93db07d73e0c11dbbb8b91524cccc3bfbd3baea83667a3ebf5d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ccdd701717dc93db07d73e0c11dbbb8b91524cccc3bfbd3baea83667a3ebf5d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kaego.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kaego.cz\/wp-content\/uploads\/sloupe%C4%8Dek%20pen%C4%9Bz_4.jpg","url":"https:\/\/www.kaego.cz\/wp-content\/uploads\/sloupe%C4%8Dek%20pen%C4%9Bz_4.jpg","height":0,"width":0},"url":"https:\/\/www.kaego.cz\/i-nebankovni-pujcka-muze-byt-vyhodna\/","about":["Ekonomika"],"wordCount":375,"articleBody":"      Bankovn\u00ed p\u016fj\u010dku asi nen\u00ed pot\u0159eba slo\u017eit\u011b p\u0159edstavovat, je produktem v\u011bt\u0161iny bank a vyu\u017eijeme j\u00ed hlavn\u011b v p\u0159\u00edpad\u011b, kdy pot\u0159ebujeme v\u011bt\u0161\u00ed finan\u010dn\u00ed obnos, ale p\u0159\u00edli\u0161 n\u00e1s netr\u00e1p\u00ed del\u0161\u00ed schvalovac\u00ed proces. A to je pro mnoh\u00e9 mo\u017en\u00e1 k\u00e1men \u00farazu. Ano, bankovn\u00ed poskytovatel\u00e9 jsou st\u00e1le v \u010dele, co se t\u00fdk\u00e1 d\u016fv\u011bryhodnosti u sv\u00fdch klient\u016f, nab\u00edz\u00ed p\u0159\u00edznivou \u00farokovou sazbu a v\u00fdhodn\u00e9 podm\u00ednky. Ale maj\u00ed tak\u00e9 nejv\u011bt\u0161\u00ed procento zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed po novele z\u00e1kona z roku 2020, kdy \u010cNB upravila podm\u00ednky pro schv\u00e1len\u00ed \u00fav\u011brov\u00fdch produkt\u016f. Ka\u017ed\u00fd \u017eadatel v bance mus\u00ed proj\u00edt individu\u00e1ln\u00edm schvalovac\u00edm procesem, kdy se prim\u00e1rn\u011b posuzuje jeho bonita. Tu ur\u010dit\u011b cel\u00e1 \u0159ada faktor\u016f, jako je v\u011bk, m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem, dal\u0161\u00ed z\u00e1vazky atd. Pokud je bonita p\u0159\u00edli\u0161 n\u00edzk\u00e1, vystavuje se \u017eadatel v\u011bt\u0161\u00ed pravd\u011bpodobnosti zam\u00edtnut\u00ed. Ne\u00fasp\u011b\u0161n\u00e1 \u017e\u00e1dost o \u00fav\u011br je n\u00e1sledn\u011b zaznamen\u00e1m v registru dlu\u017en\u00edk\u016f, do kter\u00e9ho maj\u00ed bankovn\u00ed i nebankovn\u00ed spole\u010dnosti p\u0159\u00edstup. Pokud tedy v jedn\u00e9 bance s \u017e\u00e1dost\u00ed neusp\u011bjete, je pravd\u011bpodobn\u00e9, \u017ee v jin\u00e9 v\u00e1s \u010dek\u00e1 podobn\u00fd osud. Nebankovn\u00ed sektor je ale v tomto ohledu o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed. V\u011bt\u0161ina v\u011b\u0159itel\u016f z nebankovn\u00edho sektoru pracuje s automatick\u00fdm schvalovac\u00edm procesem a \u017e\u00e1dost je mo\u017en\u00e9 snadno vy\u0159\u00eddit online v pohodl\u00ed domova. Jak\u00fdkoliv z\u00e1znam v registru dlu\u017en\u00edk\u016f nen\u00ed pro tyto spole\u010dnosti relevantn\u00ed. Do registru dlu\u017en\u00edk\u016f tak v\u016fbec nenahl\u00ed\u017e\u00ed nebo neberou na negativn\u00ed z\u00e1znam z\u0159etel. Nebankovn\u00ed sektor je zn\u00e1m hlavn\u011b pro sv\u00e9 rychl\u00e9 spot\u0159ebitelsk\u00e9 \u00fav\u011bry v \u0159\u00e1dech tis\u00edc\u016f korun, p\u0159esto najdeme nab\u00eddky i na nebankovn\u00ed hypot\u00e9ku https:\/\/www.hypoteka-bez-registru.net\/nebankovni_hypoteka, kter\u00e1 nab\u00edz\u00ed p\u0159\u00edzniv\u00fd \u00farok a v\u00fdhodn\u00e9 podm\u00ednky. Sen o vlastn\u00edm bydlen\u00ed si tak mohou splnit i ti, kter\u00fdm banky z n\u011bjak\u00e9ho d\u016fvodu \u017e\u00e1dost o hypote\u010dn\u00ed \u00fav\u011br zam\u00edtly. Na takov\u00e9 toti\u017e \u010dekaj\u00ed nebankovn\u00ed spole\u010dnosti s otev\u0159enou n\u00e1ru\u010d\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.4\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"I nebankovn\u00ed p\u016fj\u010dka m\u016f\u017ee b\u00fdt v\u00fdhodn\u00e1!","item":"https:\/\/www.kaego.cz\/i-nebankovni-pujcka-muze-byt-vyhodna\/#breadcrumbitem"}]}]