[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lekosta.cz\/proc-zvolit-radeji-nebankovni-uver\/#Article","mainEntityOfPage":"https:\/\/www.lekosta.cz\/proc-zvolit-radeji-nebankovni-uver\/","headline":"Pro\u010d zvolit rad\u011bji nebankovn\u00ed \u00fav\u011br?","name":"Pro\u010d zvolit rad\u011bji nebankovn\u00ed \u00fav\u011br?","description":"T\u00ed\u017eiv\u00e1 finan\u010dn\u00ed situace m\u016f\u017ee postihnout neo\u010dek\u00e1van\u011b ka\u017ed\u00e9ho z n\u00e1s. V<span class=\"more-dots\"><a href=\"https:\/\/www.lekosta.cz\/proc-zvolit-radeji-nebankovni-uver\/\">[ ... ]<\/span><\/a>","datePublished":"2021-05-28","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.lekosta.cz\/author\/#Person","name":"","url":"https:\/\/www.lekosta.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e746f9a3ec3ffe02f5df809714d800d50faf9f4f5ba0a7962a5d8229603fd33b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e746f9a3ec3ffe02f5df809714d800d50faf9f4f5ba0a7962a5d8229603fd33b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lekosta.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lekosta.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_10_10_10_10_10_10_7.jpg","url":"https:\/\/www.lekosta.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_10_10_10_10_10_10_7.jpg","height":0,"width":0},"url":"https:\/\/www.lekosta.cz\/proc-zvolit-radeji-nebankovni-uver\/","about":["Ekonomika"],"wordCount":409,"articleBody":"         T\u00ed\u017eiv\u00e1 finan\u010dn\u00ed situace m\u016f\u017ee postihnout neo\u010dek\u00e1van\u011b ka\u017ed\u00e9ho z n\u00e1s. V takov\u00e9m p\u0159\u00edpad\u011b jist\u011b p\u0159em\u00fd\u0161l\u00edte, jak toto n\u00e1ro\u010dn\u00e9 obdob\u00ed finan\u010dn\u011b p\u0159eklenout. Jedn\u00edm z nejracion\u00e1ln\u011bj\u0161\u00edch \u0159e\u0161en\u00ed je vz\u00edt si \u00fav\u011br od banky nebo nebankovn\u00ed spole\u010dnosti. My v\u00e1m ale v tomto \u010dl\u00e1nku p\u0159edstav\u00edme hned n\u011bkolik d\u016fvod\u016f, kter\u00e9 v\u00e1s utvrd\u00ed, \u017ee volba \u010d\u00edslo dv\u011b je ta spr\u00e1vn\u00e1. Nebankovn\u00ed p\u016fj\u010dky toti\u017e uzav\u0159ete snadn\u011bji, rychleji a bez zbyte\u010dn\u00e9ho pap\u00edrov\u00e1n\u00ed a tolik nen\u00e1vid\u011bn\u00e9 byrokracie. P\u016fj\u010dku je mo\u017en\u00e9 vy\u0159\u00eddit i onlineI kdy\u017e se slu\u017eby bankovn\u00edch instituc\u00ed neust\u00e1le modernizuj\u00ed a \u0159adu \u00fakon\u016f jde prov\u00e9st v pohodl\u00ed domova, v n\u011bkter\u00fdch p\u0159\u00edpadech se v\u00e1m n\u00e1v\u0161t\u011bva pobo\u010dky peci jenom nevyhne. A to je pr\u00e1v\u011b sjedn\u00e1n\u00ed \u00fav\u011bru. Je tedy zapot\u0159eb\u00ed absolvovat cestu na nejbli\u017e\u0161\u00ed pobo\u010dku, ust\u00e1t pohovor a vyjednat podm\u00ednky a v neposledn\u00ed \u0159ad\u011b \u010dekat na verdikt ze strany banky. Ty pov\u011bt\u0161inou postupuj\u00ed ke ka\u017ed\u00e9mu \u017eadatel individu\u00e1ln\u011b a to m\u016f\u017ee b\u00fdt probl\u00e9m. Schvalovac\u00ed proces je zdlouhav\u00fd a mnohdy se nejasn\u00fdm v\u00fdsledkem. U nebankovn\u00edch spole\u010dnost\u00ed podobn\u00fd postup nehroz\u00ed. P\u016fj\u010dku toti\u017e m\u016f\u017eete hrav\u011b sjednat i v pohodl\u00ed va\u0161eho domova. Sta\u010dit v\u00e1m k tomu bude p\u0159ipojen\u00ed k internetu, pot\u0159ebn\u00e9 dokumenty a p\u00e1r minut va\u0161eho drahocenn\u00e9ho \u010dasu. Benevolentn\u011bj\u0161\u00ed podm\u00ednky pro ka\u017ed\u00e9hoP\u0159\u00edsn\u011b nastaven\u00fdm podm\u00ednk\u00e1m bankovn\u00edch \u00fav\u011br\u016f nevyhov\u00ed ka\u017ed\u00fd, a i kdy\u017e je na trhu v sou\u010dasn\u00e9 dob\u011b p\u0159ebytek likvidity, p\u0159ib\u00fdv\u00e1 zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. Pokud se \u017eadatel n\u011bkdy v minulosti ocitl v situaci, kdy nebyl schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed bude jeho jm\u00e9no figurovat v n\u011bkter\u00e9m z registr\u016f dlu\u017en\u00edk\u016f. Pro banku jasn\u00fd sign\u00e1l k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br. Nebankovn\u00ed spole\u010dnosti jsou ale v tomto ohledu benevolentn\u011bj\u0161\u00ed a do registru bu\u010f v\u016fbec nenahl\u00ed\u017e\u00ed, nebo neberou negativn\u00ed z\u00e1znam v potaz. Jeden p\u0159\u00edklad za v\u0161echny je hypot\u00e9ka bez registru, kter\u00e1 c\u00edl\u00ed pr\u00e1v\u011b na probl\u00e9mov\u00e9 \u017eadatele.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d zvolit rad\u011bji nebankovn\u00ed \u00fav\u011br?","item":"https:\/\/www.lekosta.cz\/proc-zvolit-radeji-nebankovni-uver\/#breadcrumbitem"}]}]