[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.galpos.cz\/jake-vyhody-svym-dluznikum-nabizi-nebankovni-spolecnosti\/#Article","mainEntityOfPage":"https:\/\/www.galpos.cz\/jake-vyhody-svym-dluznikum-nabizi-nebankovni-spolecnosti\/","headline":"Jak\u00e9 v\u00fdhody sv\u00fdm dlu\u017en\u00edk\u016fm nab\u00edz\u00ed nebankovn\u00ed spole\u010dnosti?","name":"Jak\u00e9 v\u00fdhody sv\u00fdm dlu\u017en\u00edk\u016fm nab\u00edz\u00ed nebankovn\u00ed spole\u010dnosti?","description":"Nebankovn\u00edm instituc\u00edm se \u0159ada lid\u00ed vyh\u00fdb\u00e1 obloukem. Nen\u00ed to zase a\u017e takov\u00fdm p\u0159ekvapen\u00edm, nebo\u0165 o jejich praktik\u00e1ch bylo \u0159e\u010deno \u0159ada m\u00fdt\u016f a polopravd. Ano, je pochopiteln\u00e9, \u017ee ne v\u0161ichni poskytovatel\u00e9 budou nab\u00edzet v\u00fdhodnou \u00farokovou sazbu, za to ale p\u0159ich\u00e1z\u00ed s jistou benevolentnost\u00ed, kter\u00e1 v bankovn\u00edm sektoru ji\u017e n\u011bkolik let chyb\u00ed. Poj\u010fme si spole\u010dn\u011b p\u0159edstavit n\u011bkter\u00e9 […]","datePublished":"2022-02-14","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.galpos.cz\/author\/#Person","name":"","url":"https:\/\/www.galpos.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1fd5b20daa9a47a1102459a7c733d369075d8cc724ab489feb8ed72c657d346e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1fd5b20daa9a47a1102459a7c733d369075d8cc724ab489feb8ed72c657d346e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"galpos.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.galpos.cz\/wp-content\/uploads\/vlastnictv%C3%AD%20domu_4.jpg","url":"https:\/\/www.galpos.cz\/wp-content\/uploads\/vlastnictv%C3%AD%20domu_4.jpg","height":0,"width":0},"url":"https:\/\/www.galpos.cz\/jake-vyhody-svym-dluznikum-nabizi-nebankovni-spolecnosti\/","about":["Ekonomika"],"wordCount":386,"articleBody":"   Nebankovn\u00edm instituc\u00edm se \u0159ada lid\u00ed vyh\u00fdb\u00e1 obloukem. Nen\u00ed to zase a\u017e takov\u00fdm p\u0159ekvapen\u00edm, nebo\u0165 o jejich praktik\u00e1ch bylo \u0159e\u010deno \u0159ada m\u00fdt\u016f a polopravd. Ano, je pochopiteln\u00e9, \u017ee ne v\u0161ichni poskytovatel\u00e9 budou nab\u00edzet v\u00fdhodnou \u00farokovou sazbu, za to ale p\u0159ich\u00e1z\u00ed s jistou benevolentnost\u00ed, kter\u00e1 v bankovn\u00edm sektoru ji\u017e n\u011bkolik let chyb\u00ed. Poj\u010fme si spole\u010dn\u011b p\u0159edstavit n\u011bkter\u00e9 v\u00fdhody nebankovn\u00edho sektoru, kter\u00e9 p\u0159ijdou vhod nejenom rizikov\u00fdm \u017eadatel\u016fm. Bez dolo\u017een\u00ed p\u0159\u00edjmu a velmi rychleV\u011bd\u011bli jste, \u017ee je mo\u017en\u00e9 z\u00edskat nebankovn\u00ed hypot\u00e9ku bez dolo\u017een\u00ed p\u0159\u00edjmu? V bance n\u011bco nep\u0159edstaviteln\u00e9ho, ale v nebankovn\u00edm sektoru takov\u00e9 spole\u010dnosti skute\u010dn\u011b existuj\u00ed. Jako v bance je v\u0161ak zapot\u0159eb\u00ed po\u010d\u00edtat se z\u00e1stavou nemovitosti, kter\u00e1 v p\u0159\u00edpad\u011b \u017eadatelovy neschopnosti spl\u00e1cet, propadne spole\u010dnosti. Ta n\u00e1sledn\u011b m\u016f\u017ee p\u0159istoupit k dra\u017eb\u011b. U hypote\u010dn\u00edho \u00fav\u011bru se v\u0161ak zase nejedn\u00e1 o nic a\u017e tak neobvykl\u00e9ho, i banky postupuj\u00ed stejn\u011b. Je ale pravda, \u017ee nebankovn\u00ed hypot\u00e9ka oproti jej\u00ed bankovn\u00ed konkurentce nab\u00edz\u00ed vy\u0161\u0161\u00ed \u00farokovou sazbu. Bez dolo\u017een\u00ed p\u0159\u00edjmu mohou klienti nebankovn\u00edch spole\u010dnost\u00ed z\u00edskat i spot\u0159ebitelsk\u00fd \u00fav\u011br. Vlastn\u011b d\u00edky jejich rychl\u00fdm p\u016fj\u010dk\u00e1m do nebankovek ka\u017ed\u00fd rok zav\u00edt\u00e1 tis\u00edce lid\u00ed. Vy\u0159\u00eddit takov\u00fd \u00fav\u011br je stejn\u011b snadn\u00e9, jako si vy\u010distit zuby. Pen\u00edze nav\u00edc z\u00edsk\u00e1te proti podpisu smlouvy nebo budou p\u0159ips\u00e1ny na \u00fa\u010det ve v\u00e1\u0161 prosp\u011bch do n\u011bkolika m\u00e1lo dn\u016f. Nesm\u00edme opomenout zm\u00ednit i kr\u00e1tkodob\u00e9 p\u016fj\u010dky, jejich\u017e smlouva se zpravidla uzav\u00edr\u00e1 na 14 dn\u00ed. Jsou zcela bez \u00faroku a dlu\u017en\u00edk tedy vrac\u00ed spole\u010dnosti jen jistinu, kterou si vyp\u016fj\u010dil. M\u00e1 to v\u0161ak jeden h\u00e1\u010dek, pokud se mu nepoda\u0159\u00ed v\u0161e splatit v\u010das, \u00farokov\u00e1 sazba i sankce za pozdn\u00ed splacen\u00ed jsou obrovsk\u00e9. \u017d\u00e1dn\u00e9 prov\u011b\u0159ov\u00e1n\u00ed v registrechRegistry dlu\u017en\u00edk\u016f jsou velk\u00fdm stra\u0161\u00e1kem v\u011bt\u0161iny z n\u00e1s. Sta\u010d\u00ed jen jedna pozd\u011b zaplacen\u00e1 faktura a r\u00e1zem se m\u016f\u017eete ocitnout na \u010dern\u00e9 listin\u011b neplati\u010d\u016f.                                                                                                                                                                                                                                                                                                                                                                                           4.4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak\u00e9 v\u00fdhody sv\u00fdm dlu\u017en\u00edk\u016fm nab\u00edz\u00ed nebankovn\u00ed spole\u010dnosti?","item":"https:\/\/www.galpos.cz\/jake-vyhody-svym-dluznikum-nabizi-nebankovni-spolecnosti\/#breadcrumbitem"}]}]