Nejlep\u0161\u00ed p\u016fj\u010dky 2025<\/h3>\n- P\u016fj\u010dka s nejlep\u0161\u00edm hodnocen\u00edm<\/strong>: Kamali<\/a><\/li>\n
- Nejlep\u0161\u00ed p\u016fj\u010dka od lid\u00ed pro lidi<\/strong>: Zonky<\/a><\/li>\n
- Nejv\u00fdhodn\u011bj\u0161\u00ed prvn\u00ed p\u016fj\u010dka zdarma<\/strong>: Zaplo<\/a><\/li>\n
- Nejlep\u0161\u00ed srovn\u00e1va\u010d p\u016fj\u010dek<\/strong>: Chytr\u00e1 p\u016fj\u010dka<\/a><\/li>\n
- Nejlep\u0161\u00ed flexibiln\u00ed p\u016fj\u010dka:\u00a0<\/strong>Ferratum<\/a><\/li>\n<\/ul><\/div>\n\n\n
Nejlep\u0161\u00ed p\u016fj\u010dky pro dlu\u017en\u00edky<\/h2>\n\n\n\n
V t\u00e9to \u010d\u00e1sti naleznete na\u0161e top volby pro dlu\u017en\u00edky pro rok 2024. Spole\u010dnosti vyb\u00edr\u00e1me na z\u00e1klad\u011b vlastn\u00edho nez\u00e1visl\u00e9ho testov\u00e1n\u00ed a hodnocen\u00ed\/recenz\u00ed skute\u010dn\u00fdch u\u017eivatel\u016f<\/a>.<\/p>\n\n\n\nZaplo – P\u016fj\u010dka pro dlu\u017en\u00edky s prvn\u00ed p\u016fj\u010dkou zdarma<\/h3>\n\n\n\n\n\n- \n\n<\/li><\/ol>\n\n\n
![\"logo-zaplo\"](\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2017\/09\/logo-zaplo.png\")
<\/a>Vybran\u00fd 4 673<\/strong> kr\u00e1t<\/span>- Okam\u017eit\u00e9 p\u0159ips\u00e1n\u00ed p\u016fj\u010dky na \u00fa\u010det<\/li>
- Prvn\u00ed p\u016fj\u010dka zdarma<\/li>
- Vypln\u011bn\u00ed \u017e\u00e1dosti online<\/li>
- Ov\u011b\u0159en\u00ed bankovou identitou<\/li><\/ul><\/div>Minim\u00e1ln\u00ed v\u00fd\u0161e p\u016fj\u010dky<\/span>1000<\/span><\/div>Maxim\u00e1ln\u00ed v\u00fd\u0161e p\u016fj\u010dky<\/span>16000<\/span><\/div>Nejni\u017e\u0161\u00ed RPSN<\/span>0.00<\/span><\/div>Nejvy\u0161\u0161\u00ed RPSN<\/span>0.00<\/span><\/div>Minim\u00e1ln\u00ed d\u00e9lka spl\u00e1cen\u00ed<\/span>7 dn\u00ed<\/span><\/div>Maxim\u00e1ln\u00ed doba spl\u00e1cen\u00ed<\/span>1 m\u011bs\u00edc<\/span><\/div>Akceptuje z\u00e1znamy v registrech<\/span>Ano . <\/span><\/div>Minim\u00e1ln\u00ed v\u011bk <\/span>18<\/span><\/div><\/div>Prohl\u00e9dnout si nab\u00eddku<\/a>V\u00edce informac\u00ed<\/a>
![\"rating_blue\"](\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\")
![\"rating_blue\"](\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\")
<\/div>4.5<\/span><\/a> Pro p\u0159e\u010dten\u00ed 16<\/strong> hodnocen\u00ed<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\nV\u00edt\u011bzem v na\u0161em srovn\u00e1n\u00ed je spole\u010dnost Zaplo<\/a><\/strong>. Tento poskytovatel rychl\u00fdch kr\u00e1tkodob\u00fdch p\u016fj\u010dek v \u010cesk\u00e9 republice je zn\u00e1m\u00fd p\u0159edev\u0161\u00edm svou nab\u00eddkou prvn\u00ed p\u016fj\u010dky zdarma (a\u017e 16 000 K\u010d).<\/p>\n\n\n\nP\u0159i v\u010dasn\u00e9m splacen\u00ed nejsou \u00fa\u010dtov\u00e1ny \u017e\u00e1dn\u00e9 \u00faroky ani poplatky<\/strong>, m\u016f\u017eete ji tedy m\u00edt skute\u010dn\u011b \u00fapln\u011b zdarma. Schv\u00e1len\u00ed p\u016fj\u010dky prob\u00edh\u00e1 velmi rychle, \u010dasto b\u011bhem n\u011bkolika minut, a stejn\u011b jako to m\u00e1 m\u00edt ka\u017ed\u00e1 solidn\u00ed okam\u017eit\u00e1 p\u016fj\u010dka pro dlu\u017en\u00edky, pen\u00edze jsou okam\u017eit\u011b p\u0159evedeny na \u00fa\u010det \u017eadatele.<\/p>\n\n\nZaplo v\u00fdhody<\/h3>
Prvn\u00ed p\u016fj\u010dka zdarma do 16 000 K\u010d<\/p>\n<\/li>
Rychl\u00e9 schv\u00e1len\u00ed a p\u0159evod pen\u011bz na \u00fa\u010det<\/p>\n<\/li>
Ov\u011b\u0159en\u00ed toto\u017enosti p\u0159es Bank ID<\/p>\n<\/li><\/ul><\/div>\n\n
Zaplo nev\u00fdhody<\/h3>
Nutnost pe\u010dliv\u011b sledovat splatnost z d\u016fvodu pom\u011brn\u00e9 vysok\u00fdch poplatk\u016f za prodlen\u00ed<\/p>\n<\/li><\/ul><\/div>\n\n\n
Kamali – Prvn\u00ed p\u016fj\u010dka zdarma p\u0159i splacen\u00ed do 14 dn\u00ed<\/h3>\n\n\n![\"kamali-logo\"](\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2017\/02\/kamali-logo1.jpg\")
<\/a>Vybran\u00fd 4 756<\/strong> kr\u00e1t<\/span>- P\u016fj\u010dka a\u017e do v\u00fd\u0161e 20 000 K\u010d<\/li>
- Doba splatnosti a\u017e 30 dn\u00ed<\/li>
- \u00darok od 0 %<\/li>
- Okam\u017eit\u00e9 posouzen\u00ed \u017e\u00e1dosti<\/li><\/ul><\/div>Minim\u00e1ln\u00ed v\u00fd\u0161e p\u016fj\u010dky<\/span>1000<\/span><\/div>Maxim\u00e1ln\u00ed v\u00fd\u0161e p\u016fj\u010dky<\/span>20000<\/span><\/div>Nejni\u017e\u0161\u00ed RPSN<\/span>0.00<\/span><\/div>Nejvy\u0161\u0161\u00ed RPSN<\/span>83.03<\/span><\/div>Minim\u00e1ln\u00ed d\u00e9lka spl\u00e1cen\u00ed<\/span>14 dn\u00ed<\/span><\/div>Maxim\u00e1ln\u00ed doba spl\u00e1cen\u00ed<\/span>1 m\u011bs\u00edc<\/span><\/div>Akceptuje z\u00e1znamy v registrech<\/span>Ano . <\/span><\/div>Minim\u00e1ln\u00ed v\u011bk <\/span>18<\/span><\/div><\/div>Prohl\u00e9dnout si nab\u00eddku<\/a>V\u00edce informac\u00ed<\/a><\/div>4.6<\/span><\/a> Pro p\u0159e\u010dten\u00ed 18<\/strong> hodnocen\u00ed<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n
Kamali je dal\u0161\u00ed spole\u010dnost\u00ed, kter\u00e1 v na\u0161em porovn\u00e1n\u00ed skute\u010dn\u011b zaz\u00e1\u0159ila. Je to \u010desk\u00e1 spole\u010dnost s d\u016frazem na transparentnost a z\u00e1kaznickou podporu, kter\u00e1 dokonce pravideln\u011b v\u00edt\u011bz\u00ed v hodnocen\u00ed \u010clov\u011bka v t\u00edsni pro nejv\u00fdhodn\u011bj\u0161\u00ed mal\u00e9 p\u016fj\u010dky.<\/strong><\/p>\n\n\n\nCo se t\u00fd\u010de p\u016fj\u010dek, Kamali rovn\u011b\u017e nab\u00edz\u00ed prvn\u00ed p\u016fj\u010dku zdarma a to jen o n\u011bco m\u00e1lo ni\u017e\u0161\u00ed ne\u017e je tomu u Zaplo. Schvalov\u00e1n\u00ed je bleskurychl\u00e9, se z\u00e1stupci je skvel\u00e9 jedn\u00e1n\u00ed. K v\u00fdhod\u00e1m pat\u0159\u00ed i men\u0161\u00ed vychyt\u00e1vky, jako mo\u017enost sledovat svoje p\u016fj\u010dky v jejich mobiln\u00ed aplikaci nebo mo\u017enost si spl\u00e1tky rozlo\u017eit a\u017e na 10 m\u011bs\u00edc\u016f<\/strong>.<\/p>\n\n\nKamali – v\u00fdhody<\/h3>
Prvn\u00ed p\u016fj\u010dka zdarma p\u0159i splacen\u00ed do 14 dn\u016f<\/p>\n<\/li>
Super rychl\u00e9 schvalov\u00e1n\u00ed<\/p>\n<\/li>
Mo\u017enost p\u0159evodu pen\u011bz u\u017e za 10 minut<\/p>\n<\/li>
Mo\u017enost rozlo\u017eit spl\u00e1tky a\u017e na 10 m\u011bs\u00edc\u016f<\/p>\n<\/li>
Mobiln\u00ed aplikace pro spr\u00e1vu p\u016fj\u010dky<\/p>\n<\/li><\/ul><\/div>\n\n
Kamali – nev\u00fdhody<\/h3>
P\u016fj\u010dky nejsou dostupn\u00e9 o v\u00edkendu<\/p>\n<\/li>
Pom\u011brn\u011b kr\u00e1tk\u00e1 doba splatnosti na prvn\u00ed p\u016fj\u010dce (14 dn\u016f)<\/p>\n<\/li><\/ul><\/div>\n\n\n
Provident – Nejlep\u0161\u00ed p\u016fj\u010dka v hotovosti<\/h3>\n\n\n![\"\"](\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2016\/06\/provident-logo.png\")
<\/a>Vybran\u00fd 2 565<\/strong> kr\u00e1t<\/span>- P\u016fj\u010dka od 3 000 do 130 000 K\u010d<\/li>
- Splatnost 6 a\u017e 36 m\u011bs\u00edc\u016f<\/li>
- P\u016fj\u010dka v hotovosti<\/li>
- Mo\u017enost sjednat poji\u0161t\u011bn\u00ed<\/li><\/ul><\/div>Minim\u00e1ln\u00ed v\u00fd\u0161e p\u016fj\u010dky<\/span>6000<\/span><\/div>Maxim\u00e1ln\u00ed v\u00fd\u0161e p\u016fj\u010dky<\/span>40000<\/span><\/div>Nejni\u017e\u0161\u00ed RPSN<\/span>34.49<\/span><\/div>Nejvy\u0161\u0161\u00ed RPSN<\/span>34.49<\/span><\/div>Minim\u00e1ln\u00ed d\u00e9lka spl\u00e1cen\u00ed<\/span>1 rok<\/span><\/div>Maxim\u00e1ln\u00ed doba spl\u00e1cen\u00ed<\/span>1 rok , 6 m\u011bs\u00edce(\u016f)<\/span><\/div>Akceptuje z\u00e1znamy v registrech<\/span>Ano . <\/span><\/div>Minim\u00e1ln\u00ed v\u011bk <\/span>18<\/span><\/div><\/div>Prohl\u00e9dnout si nab\u00eddku<\/a>V\u00edce informac\u00ed<\/a>
![\"rating_blue\"](\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\")
<\/div>3.3<\/span><\/a> Pro p\u0159e\u010dten\u00ed 6<\/strong> hodnocen\u00ed<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\nProvident na \u010desk\u00e9m trhu u\u017e p\u016fsob\u00ed dlouhou dobu a je zn\u00e1m\u00fd hlavn\u011b svoj\u00ed flexibilitou a r\u016fzn\u00fdmi mo\u017enostmi v\u00fdb\u011bru. V na\u0161em hodnocen\u00ed usp\u011bl hlavn\u011b z tohoto d\u016fvodu. <\/p>\n\n\n\n
M\u016f\u017eete si toti\u017e vybrat, jestli chcete pen\u00edze na \u00fa\u010det nebo v hotovosti.<\/strong> Agenti spole\u010dnosti tak\u00e9 pat\u0159\u00ed mezi ty, s kter\u00fdmi je lep\u0161\u00ed domluva a cel\u00fd proces od pod\u00e1n\u00ed \u017e\u00e1dosti po jej\u00ed schv\u00e1len\u00ed byl p\u0159i na\u0161em testov\u00e1n\u00ed velice plynul\u00fd.<\/p>\n\n\nProvident – v\u00fdhody<\/h3>
P\u016fj\u010dka a\u017e 130 000 K\u010d<\/p>\n<\/li>
Ochotn\u00ed z\u00e1stupci a bezprobl\u00e9mov\u00e9 schvalov\u00e1n\u00ed<\/p>\n<\/li>
Transparentnost a garance celkov\u00e9 ceny<\/p>\n<\/li><\/ul><\/div>\n\n
Provident – nev\u00fdhody<\/h3>
Vy\u0161\u0161\u00ed \u00faroky p\u0159i p\u016fj\u010dk\u00e1ch s dlouhou splatnost\u00ed<\/p>\n<\/li><\/ul><\/div>\n\n\n\t\t
Porovn\u00e1vejte p\u016fj\u010dky od 41 poskytovatel\u016f p\u016fj\u010dek<\/h3>
Najd\u011bte nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku jedn\u00edm kliknut\u00edm<\/p>
\n <\/span>\n <\/div>\n \n \n <\/div>\n<\/div>Porovnat nab\u00eddky<\/a><\/div>\t\t<\/div>Co je p\u016fj\u010dka pro dlu\u017en\u00edky?<\/h2>\n\n\n\n
Co vlastn\u011b znamen\u00e1 p\u016fj\u010dka pro dlu\u017en\u00edky? V podstat\u011b se jedn\u00e1 o b\u011b\u017en\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br,<\/strong> kter\u00fd ale banky a nebankovn\u00ed spole\u010dnosti poskytuj\u00ed i osob\u00e1m, kter\u00e9 maj\u00ed i n\u011bjak\u00fd jin\u00fd dluh. M\u016f\u017ee se jednat nap\u0159\u00edklad o hypot\u00e9ku nebo dal\u0161\u00ed spot\u0159ebitelsk\u00fd \u00fav\u011br.<\/p>\n\n\n<\/div>M\u016f\u017eete tak m\u00edt nap\u0159\u00edklad hypot\u00e9ku, ale z\u00e1rove\u0148 si chcete vz\u00edt p\u016fj\u010dku na nov\u00e9 auto. P\u0159\u00edpadn\u011b jste si p\u016fj\u010dili na zateplen\u00ed domu a pokazila se v\u00e1m do toho pra\u010dka, tak jste nuceni si p\u016fj\u010dit znovu.<\/p><\/div>\n\n\n
Ur\u010dit\u011b byste si ale nem\u011bli p\u016fj\u010dovat pen\u00edze na to, abyste splatili jin\u00e9 dluhy.<\/strong> V tomto p\u0159\u00edpad\u011b existuje mnoho jin\u00fdch mo\u017enost\u00ed, jak se zbavit dluh\u016f<\/a>. M\u016f\u017ee b\u00fdt jimi nap\u0159\u00edklad konsolidace<\/a>, v hor\u0161\u00edch p\u0159\u00edpadech vyhl\u00e1\u0161en\u00ed osobn\u00edho bankrotu.<\/a><\/p>\n\n\n\nJak p\u016fj\u010dky pro dlu\u017en\u00edky funguj\u00ed?<\/h2>\n\n\n\n
Princip fungov\u00e1n\u00ed p\u016fj\u010dek pro dlu\u017en\u00edky je stejn\u00fd jako u jak\u00fdchkoli jin\u00fdch typ\u016f p\u016fj\u010dek. Rozd\u00edl je v tom, \u017ee dan\u00e9 spole\u010dnosti v\u00e1m jsou ochotny p\u016fj\u010dit i se z\u00e1znamem v registru dlu\u017en\u00edk\u016f.<\/strong><\/p>\n\n\n\nSpole\u010dnosti, kter\u00e9 poskytuj\u00ed p\u016fj\u010dky pro dlu\u017en\u00edky v registru, si kompenzuj\u00ed zv\u00fd\u0161en\u00e9 riziko nespl\u00e1cen\u00ed dan\u00e9ho \u00fav\u011bru <\/strong>t\u00edm, \u017ee nab\u00eddnou klientovi pom\u011brn\u011b vysok\u00e9 \u00farokov\u00e9 sazby a poplatky. Z tohoto d\u016fvodu po takov\u00e9m typu p\u016fj\u010dky s\u00e1hnou obvykle lid\u00e9, kter\u00fdm u\u017e nep\u016fj\u010d\u00ed nikde jinde.<\/p>\n\n\n\nNa druhou stranu v\u00fdhodou t\u011bchto p\u016fj\u010dek je vysok\u00e9 procento schvalovatelnosti. <\/strong>Dan\u00fdm spole\u010dnostem toti\u017e nevad\u00ed ani negativn\u00ed z\u00e1znam v registrech. St\u00e1le v\u0161ak budou kontrolovat, jestli m\u00e1te dostate\u010dn\u011b vysok\u00fd p\u0159\u00edjem na to, aby v\u00e1m mohli danou \u010d\u00e1stku p\u016fj\u010dit.<\/p>\n\n\n\nJak z\u00edskat p\u016fj\u010dku pro dlu\u017en\u00edky?<\/h2>\n\n\n\n
Jak jsme ji\u017e zm\u00ednili nejv\u011bt\u0161\u00ed pravd\u011bpodobnost z\u00edskat p\u016fj\u010dku pro zadlu\u017een\u00e9 je od nebankovn\u00edch spole\u010dnost\u00ed. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f tyto spole\u010dnosti nevy\u017eaduj\u00ed va\u0161i osobn\u00ed p\u0159\u00edtomnost na pobo\u010dce. To znamen\u00e1, \u017ee cel\u00fd proces \u017e\u00e1dosti o p\u016fj\u010dku vy\u0159e\u0161\u00edte jednodu\u0161e online<\/strong> nebo z pohodl\u00ed va\u0161eho domova.<\/p>\n\n\n\n\n- Srovnejte si nab\u00eddku poskytovatel\u016f<\/strong>: D\u016fle\u017eit\u00fdm krokem je\u0161t\u011b p\u0159edt\u00edm ne\u017e po\u017e\u00e1d\u00e1te o p\u016fj\u010dku pro zadlu\u017een\u00e9 je srovnat si nab\u00eddky jednotliv\u00fdch poskytovatel\u016f<\/strong> na na\u0161ich str\u00e1nk\u00e1ch Financera.cz. V na\u0161em porovn\u00e1va\u010di<\/a> uvid\u00edte p\u0159esn\u011b, kolik jsou v\u00e1m ochotni p\u016fj\u010dit, na jak dlouhou dobu a p\u0159i jak\u00e9 \u00farokov\u00e9 sazb\u011b.<\/li>\n\n\n\n
- Vyberte si spr\u00e1vnou nab\u00eddku<\/strong>: Pot\u00e9, co si vyberete tu nejlep\u0161\u00ed p\u016fj\u010dku pro dlu\u017en\u00edky, <\/strong>kter\u00e1 bude vyhovovat va\u0161im pot\u0159eb\u00e1m sta\u010d\u00ed u\u017e jen kliknout na modr\u00e9 tla\u010d\u00edtko „Prohl\u00e9dnout si nab\u00eddku“.<\/li>\n\n\n\n
- Vypl\u0148te formul\u00e1\u0159<\/strong>: N\u00e1sledn\u011b sta\u010d\u00ed u\u017e jen zvolit jakou \u010d\u00e1stku si chcete p\u016fj\u010dit a na jak dlouho. Vypln\u00edte kr\u00e1tk\u00fd formul\u00e1\u0159 s osobn\u00edmi \u00fadaji a va\u0161i \u017e\u00e1dost ode\u0161lete. Spole\u010dnost by se v\u00e1m m\u011bla co nejd\u0159\u00edve ozvat s vyhodnocen\u00edm va\u0161\u00ed \u017e\u00e1dosti. <\/strong><\/li>\n\n\n\n
- Vyberte si zp\u016fsob vyplacen\u00ed<\/strong>: N\u00e1sledn\u011b je u\u017e jen na v\u00e1s jestli si danou p\u016fj\u010dku nech\u00e1te vyplatit na \u00fa\u010det nebo v n\u011bkter\u00fdch p\u0159\u00edpadech i v hotovosti.<\/li>\n<\/ol>\n\n\n\n \n\t\t\t\t
Jak u\u0161et\u0159it 216 840,00 K\u010d <\/span> na va\u0161\u00ed p\u016fj\u010dce<\/h3>\n\t\t\t\tRozd\u00edl v cen\u011b p\u016fj\u010dky 10 000,00 K\u010d za 90 dn\u00ed je 216 840,00 K\u010d.<\/p>\n\t\t\t\t
Zjist\u011bte jak<\/a><\/p>\n <\/div>P\u016fj\u010dka pro dlu\u017en\u00edky bez registru<\/h2>\n\n\n\n
Tento typ p\u016fj\u010dky pro dlu\u017en\u00edky bohu\u017eel nebo sp\u00ed\u0161e na\u0161t\u011bst\u00ed neexistuje.<\/strong> Od roku 2016 se zm\u011bnily povinnosti bank a nebankovn\u00edch instituc\u00ed. Dle novely z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru jsou v\u0161echny bankovn\u00ed i nebankovn\u00ed spole\u010dnosti od 1.12.2016 povinn\u00e9 \u017e\u00e1dat dolo\u017een\u00ed p\u0159\u00edjm\u016f \u017eadatel\u016f o p\u016fj\u010dku i nahl\u00ed\u017eet do registr\u016f dlu\u017en\u00edk\u016f.<\/p>\n\n\n\nKa\u017ed\u00e1 \u00fav\u011brov\u00e1 spole\u010dnost tak pot\u0159ebuje dolo\u017eit alespo\u0148 n\u011bjak\u00fd doklad o pravideln\u00e9m p\u0159\u00edjmu<\/strong> a ud\u011blat si n\u00e1hled do registr\u016f. Nap\u0159\u00edklad do BRKI, pokud m\u00e1 spole\u010dnost mo\u017enost n\u00e1hledu do tohoto bankovn\u00edho registru. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f v\u0161ak nahl\u00ed\u017eej\u00ed do NRKI nebo SOLUSu. V\u00edce o registrech dlu\u017en\u00edk\u016f se dozv\u00edte i v na\u0161em \u010dl\u00e1nku o tom, jak zjistit sv\u00e9 dluhy.<\/a><\/p>\n\n\n\nP\u0159esto\u017ee u bank si se z\u00e1znamem v registru dlu\u017en\u00edk\u016f nep\u016fj\u010d\u00edte.<\/strong> Kv\u016fli n\u00edzk\u00fdm dolo\u017eiteln\u00fdm p\u0159\u00edjm\u016fm se banky zdr\u00e1haj\u00ed p\u016fj\u010dit\u00a0d\u016fchodc\u016fm<\/a>, \u017een\u00e1m na mate\u0159sk\u00e9<\/a>, nebo za\u010d\u00ednaj\u00edc\u00edm OSV\u010c<\/a>.\u00a0Na situaci nahl\u00ed\u017eej\u00ed jinak nebankovn\u00ed instituce, kter\u00e9 jsou ochotn\u00ed p\u0159evz\u00edt na sebe i drobn\u011bj\u0161\u00ed riziko.<\/p>\n\n\n\nExistuje tedy spousta nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 v\u00e1m i p\u0159es z\u00e1znam v registru dlu\u017en\u00edk\u016f p\u016fj\u010d\u00ed. Ale jak jsme ji\u017e zm\u00ednili po\u010d\u00edtejte s p\u0159edra\u017een\u00edm dan\u00e9ho \u00fav\u011bru.<\/p>\n\n\n
P\u016fj\u010dky pro dlu\u017en\u00edky bez registru – srovn\u00e1n\u00ed<\/h3>\n \n \n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n \n
Nejlep\u0161\u00ed p\u016fj\u010dky pro dlu\u017en\u00edky<\/h2>\n\n\n\n
V t\u00e9to \u010d\u00e1sti naleznete na\u0161e top volby pro dlu\u017en\u00edky pro rok 2024. Spole\u010dnosti vyb\u00edr\u00e1me na z\u00e1klad\u011b vlastn\u00edho nez\u00e1visl\u00e9ho testov\u00e1n\u00ed a hodnocen\u00ed\/recenz\u00ed skute\u010dn\u00fdch u\u017eivatel\u016f<\/a>.<\/p>\n\n\n\n V\u00edt\u011bzem v na\u0161em srovn\u00e1n\u00ed je spole\u010dnost Zaplo<\/a><\/strong>. Tento poskytovatel rychl\u00fdch kr\u00e1tkodob\u00fdch p\u016fj\u010dek v \u010cesk\u00e9 republice je zn\u00e1m\u00fd p\u0159edev\u0161\u00edm svou nab\u00eddkou prvn\u00ed p\u016fj\u010dky zdarma (a\u017e 16 000 K\u010d).<\/p>\n\n\n\n P\u0159i v\u010dasn\u00e9m splacen\u00ed nejsou \u00fa\u010dtov\u00e1ny \u017e\u00e1dn\u00e9 \u00faroky ani poplatky<\/strong>, m\u016f\u017eete ji tedy m\u00edt skute\u010dn\u011b \u00fapln\u011b zdarma. Schv\u00e1len\u00ed p\u016fj\u010dky prob\u00edh\u00e1 velmi rychle, \u010dasto b\u011bhem n\u011bkolika minut, a stejn\u011b jako to m\u00e1 m\u00edt ka\u017ed\u00e1 solidn\u00ed okam\u017eit\u00e1 p\u016fj\u010dka pro dlu\u017en\u00edky, pen\u00edze jsou okam\u017eit\u011b p\u0159evedeny na \u00fa\u010det \u017eadatele.<\/p>\n\n\n Prvn\u00ed p\u016fj\u010dka zdarma do 16 000 K\u010d<\/p>\n<\/li> Rychl\u00e9 schv\u00e1len\u00ed a p\u0159evod pen\u011bz na \u00fa\u010det<\/p>\n<\/li> Ov\u011b\u0159en\u00ed toto\u017enosti p\u0159es Bank ID<\/p>\n<\/li><\/ul><\/div>\n\n Nutnost pe\u010dliv\u011b sledovat splatnost z d\u016fvodu pom\u011brn\u00e9 vysok\u00fdch poplatk\u016f za prodlen\u00ed<\/p>\n<\/li><\/ul><\/div>\n\n\n Kamali je dal\u0161\u00ed spole\u010dnost\u00ed, kter\u00e1 v na\u0161em porovn\u00e1n\u00ed skute\u010dn\u011b zaz\u00e1\u0159ila. Je to \u010desk\u00e1 spole\u010dnost s d\u016frazem na transparentnost a z\u00e1kaznickou podporu, kter\u00e1 dokonce pravideln\u011b v\u00edt\u011bz\u00ed v hodnocen\u00ed \u010clov\u011bka v t\u00edsni pro nejv\u00fdhodn\u011bj\u0161\u00ed mal\u00e9 p\u016fj\u010dky.<\/strong><\/p>\n\n\n\n Co se t\u00fd\u010de p\u016fj\u010dek, Kamali rovn\u011b\u017e nab\u00edz\u00ed prvn\u00ed p\u016fj\u010dku zdarma a to jen o n\u011bco m\u00e1lo ni\u017e\u0161\u00ed ne\u017e je tomu u Zaplo. Schvalov\u00e1n\u00ed je bleskurychl\u00e9, se z\u00e1stupci je skvel\u00e9 jedn\u00e1n\u00ed. K v\u00fdhod\u00e1m pat\u0159\u00ed i men\u0161\u00ed vychyt\u00e1vky, jako mo\u017enost sledovat svoje p\u016fj\u010dky v jejich mobiln\u00ed aplikaci nebo mo\u017enost si spl\u00e1tky rozlo\u017eit a\u017e na 10 m\u011bs\u00edc\u016f<\/strong>.<\/p>\n\n\n Prvn\u00ed p\u016fj\u010dka zdarma p\u0159i splacen\u00ed do 14 dn\u016f<\/p>\n<\/li> Super rychl\u00e9 schvalov\u00e1n\u00ed<\/p>\n<\/li> Mo\u017enost p\u0159evodu pen\u011bz u\u017e za 10 minut<\/p>\n<\/li> Mo\u017enost rozlo\u017eit spl\u00e1tky a\u017e na 10 m\u011bs\u00edc\u016f<\/p>\n<\/li> Mobiln\u00ed aplikace pro spr\u00e1vu p\u016fj\u010dky<\/p>\n<\/li><\/ul><\/div>\n\n P\u016fj\u010dky nejsou dostupn\u00e9 o v\u00edkendu<\/p>\n<\/li> Pom\u011brn\u011b kr\u00e1tk\u00e1 doba splatnosti na prvn\u00ed p\u016fj\u010dce (14 dn\u016f)<\/p>\n<\/li><\/ul><\/div>\n\n\n Provident na \u010desk\u00e9m trhu u\u017e p\u016fsob\u00ed dlouhou dobu a je zn\u00e1m\u00fd hlavn\u011b svoj\u00ed flexibilitou a r\u016fzn\u00fdmi mo\u017enostmi v\u00fdb\u011bru. V na\u0161em hodnocen\u00ed usp\u011bl hlavn\u011b z tohoto d\u016fvodu. <\/p>\n\n\n\n M\u016f\u017eete si toti\u017e vybrat, jestli chcete pen\u00edze na \u00fa\u010det nebo v hotovosti.<\/strong> Agenti spole\u010dnosti tak\u00e9 pat\u0159\u00ed mezi ty, s kter\u00fdmi je lep\u0161\u00ed domluva a cel\u00fd proces od pod\u00e1n\u00ed \u017e\u00e1dosti po jej\u00ed schv\u00e1len\u00ed byl p\u0159i na\u0161em testov\u00e1n\u00ed velice plynul\u00fd.<\/p>\n\n\n P\u016fj\u010dka a\u017e 130 000 K\u010d<\/p>\n<\/li> Ochotn\u00ed z\u00e1stupci a bezprobl\u00e9mov\u00e9 schvalov\u00e1n\u00ed<\/p>\n<\/li> Transparentnost a garance celkov\u00e9 ceny<\/p>\n<\/li><\/ul><\/div>\n\n Vy\u0161\u0161\u00ed \u00faroky p\u0159i p\u016fj\u010dk\u00e1ch s dlouhou splatnost\u00ed<\/p>\n<\/li><\/ul><\/div>\n\n\n\t\t Najd\u011bte nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku jedn\u00edm kliknut\u00edm<\/p> Co vlastn\u011b znamen\u00e1 p\u016fj\u010dka pro dlu\u017en\u00edky? V podstat\u011b se jedn\u00e1 o b\u011b\u017en\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br,<\/strong> kter\u00fd ale banky a nebankovn\u00ed spole\u010dnosti poskytuj\u00ed i osob\u00e1m, kter\u00e9 maj\u00ed i n\u011bjak\u00fd jin\u00fd dluh. M\u016f\u017ee se jednat nap\u0159\u00edklad o hypot\u00e9ku nebo dal\u0161\u00ed spot\u0159ebitelsk\u00fd \u00fav\u011br.<\/p>\n\n\n M\u016f\u017eete tak m\u00edt nap\u0159\u00edklad hypot\u00e9ku, ale z\u00e1rove\u0148 si chcete vz\u00edt p\u016fj\u010dku na nov\u00e9 auto. P\u0159\u00edpadn\u011b jste si p\u016fj\u010dili na zateplen\u00ed domu a pokazila se v\u00e1m do toho pra\u010dka, tak jste nuceni si p\u016fj\u010dit znovu.<\/p><\/div>\n\n\n Ur\u010dit\u011b byste si ale nem\u011bli p\u016fj\u010dovat pen\u00edze na to, abyste splatili jin\u00e9 dluhy.<\/strong> V tomto p\u0159\u00edpad\u011b existuje mnoho jin\u00fdch mo\u017enost\u00ed, jak se zbavit dluh\u016f<\/a>. M\u016f\u017ee b\u00fdt jimi nap\u0159\u00edklad konsolidace<\/a>, v hor\u0161\u00edch p\u0159\u00edpadech vyhl\u00e1\u0161en\u00ed osobn\u00edho bankrotu.<\/a><\/p>\n\n\n\n Princip fungov\u00e1n\u00ed p\u016fj\u010dek pro dlu\u017en\u00edky je stejn\u00fd jako u jak\u00fdchkoli jin\u00fdch typ\u016f p\u016fj\u010dek. Rozd\u00edl je v tom, \u017ee dan\u00e9 spole\u010dnosti v\u00e1m jsou ochotny p\u016fj\u010dit i se z\u00e1znamem v registru dlu\u017en\u00edk\u016f.<\/strong><\/p>\n\n\n\n Spole\u010dnosti, kter\u00e9 poskytuj\u00ed p\u016fj\u010dky pro dlu\u017en\u00edky v registru, si kompenzuj\u00ed zv\u00fd\u0161en\u00e9 riziko nespl\u00e1cen\u00ed dan\u00e9ho \u00fav\u011bru <\/strong>t\u00edm, \u017ee nab\u00eddnou klientovi pom\u011brn\u011b vysok\u00e9 \u00farokov\u00e9 sazby a poplatky. Z tohoto d\u016fvodu po takov\u00e9m typu p\u016fj\u010dky s\u00e1hnou obvykle lid\u00e9, kter\u00fdm u\u017e nep\u016fj\u010d\u00ed nikde jinde.<\/p>\n\n\n\n Na druhou stranu v\u00fdhodou t\u011bchto p\u016fj\u010dek je vysok\u00e9 procento schvalovatelnosti. <\/strong>Dan\u00fdm spole\u010dnostem toti\u017e nevad\u00ed ani negativn\u00ed z\u00e1znam v registrech. St\u00e1le v\u0161ak budou kontrolovat, jestli m\u00e1te dostate\u010dn\u011b vysok\u00fd p\u0159\u00edjem na to, aby v\u00e1m mohli danou \u010d\u00e1stku p\u016fj\u010dit.<\/p>\n\n\n\n Jak jsme ji\u017e zm\u00ednili nejv\u011bt\u0161\u00ed pravd\u011bpodobnost z\u00edskat p\u016fj\u010dku pro zadlu\u017een\u00e9 je od nebankovn\u00edch spole\u010dnost\u00ed. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f tyto spole\u010dnosti nevy\u017eaduj\u00ed va\u0161i osobn\u00ed p\u0159\u00edtomnost na pobo\u010dce. To znamen\u00e1, \u017ee cel\u00fd proces \u017e\u00e1dosti o p\u016fj\u010dku vy\u0159e\u0161\u00edte jednodu\u0161e online<\/strong> nebo z pohodl\u00ed va\u0161eho domova.<\/p>\n\n\n\n Rozd\u00edl v cen\u011b p\u016fj\u010dky 10 000,00 K\u010d za 90 dn\u00ed je 216 840,00 K\u010d.<\/p>\n\t\t\t\t Zjist\u011bte jak<\/a><\/p>\n <\/div> Tento typ p\u016fj\u010dky pro dlu\u017en\u00edky bohu\u017eel nebo sp\u00ed\u0161e na\u0161t\u011bst\u00ed neexistuje.<\/strong> Od roku 2016 se zm\u011bnily povinnosti bank a nebankovn\u00edch instituc\u00ed. Dle novely z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru jsou v\u0161echny bankovn\u00ed i nebankovn\u00ed spole\u010dnosti od 1.12.2016 povinn\u00e9 \u017e\u00e1dat dolo\u017een\u00ed p\u0159\u00edjm\u016f \u017eadatel\u016f o p\u016fj\u010dku i nahl\u00ed\u017eet do registr\u016f dlu\u017en\u00edk\u016f.<\/p>\n\n\n\n Ka\u017ed\u00e1 \u00fav\u011brov\u00e1 spole\u010dnost tak pot\u0159ebuje dolo\u017eit alespo\u0148 n\u011bjak\u00fd doklad o pravideln\u00e9m p\u0159\u00edjmu<\/strong> a ud\u011blat si n\u00e1hled do registr\u016f. Nap\u0159\u00edklad do BRKI, pokud m\u00e1 spole\u010dnost mo\u017enost n\u00e1hledu do tohoto bankovn\u00edho registru. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f v\u0161ak nahl\u00ed\u017eej\u00ed do NRKI nebo SOLUSu. V\u00edce o registrech dlu\u017en\u00edk\u016f se dozv\u00edte i v na\u0161em \u010dl\u00e1nku o tom, jak zjistit sv\u00e9 dluhy.<\/a><\/p>\n\n\n\n P\u0159esto\u017ee u bank si se z\u00e1znamem v registru dlu\u017en\u00edk\u016f nep\u016fj\u010d\u00edte.<\/strong> Kv\u016fli n\u00edzk\u00fdm dolo\u017eiteln\u00fdm p\u0159\u00edjm\u016fm se banky zdr\u00e1haj\u00ed p\u016fj\u010dit\u00a0d\u016fchodc\u016fm<\/a>, \u017een\u00e1m na mate\u0159sk\u00e9<\/a>, nebo za\u010d\u00ednaj\u00edc\u00edm OSV\u010c<\/a>.\u00a0Na situaci nahl\u00ed\u017eej\u00ed jinak nebankovn\u00ed instituce, kter\u00e9 jsou ochotn\u00ed p\u0159evz\u00edt na sebe i drobn\u011bj\u0161\u00ed riziko.<\/p>\n\n\n\n Existuje tedy spousta nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 v\u00e1m i p\u0159es z\u00e1znam v registru dlu\u017en\u00edk\u016f p\u016fj\u010d\u00ed. Ale jak jsme ji\u017e zm\u00ednili po\u010d\u00edtejte s p\u0159edra\u017een\u00edm dan\u00e9ho \u00fav\u011bru.<\/p>\n\n\nZaplo – P\u016fj\u010dka pro dlu\u017en\u00edky s prvn\u00ed p\u016fj\u010dkou zdarma<\/h3>\n\n\n\n
\n\n
<\/a>Vybran\u00fd 4 673<\/strong> kr\u00e1t<\/span><\/div>4.5<\/span><\/a> Pro p\u0159e\u010dten\u00ed 16<\/strong> hodnocen\u00ed<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\nZaplo v\u00fdhody<\/h3>
Zaplo nev\u00fdhody<\/h3>
Kamali – Prvn\u00ed p\u016fj\u010dka zdarma p\u0159i splacen\u00ed do 14 dn\u00ed<\/h3>\n\n\n
<\/a>Vybran\u00fd 4 756<\/strong> kr\u00e1t<\/span><\/div>4.6<\/span><\/a> Pro p\u0159e\u010dten\u00ed 18<\/strong> hodnocen\u00ed<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\nKamali – v\u00fdhody<\/h3>
Kamali – nev\u00fdhody<\/h3>
Provident – Nejlep\u0161\u00ed p\u016fj\u010dka v hotovosti<\/h3>\n\n\n
<\/a>Vybran\u00fd 2 565<\/strong> kr\u00e1t<\/span><\/div>3.3<\/span><\/a> Pro p\u0159e\u010dten\u00ed 6<\/strong> hodnocen\u00ed<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\nProvident – v\u00fdhody<\/h3>
Provident – nev\u00fdhody<\/h3>
Porovn\u00e1vejte p\u016fj\u010dky od 41 poskytovatel\u016f p\u016fj\u010dek<\/h3>
Co je p\u016fj\u010dka pro dlu\u017en\u00edky?<\/h2>\n\n\n\n
Jak p\u016fj\u010dky pro dlu\u017en\u00edky funguj\u00ed?<\/h2>\n\n\n\n
Jak z\u00edskat p\u016fj\u010dku pro dlu\u017en\u00edky?<\/h2>\n\n\n\n
\n
Jak u\u0161et\u0159it 216 840,00 K\u010d <\/span> na va\u0161\u00ed p\u016fj\u010dce<\/h3>\n\t\t\t\t
P\u016fj\u010dka pro dlu\u017en\u00edky bez registru<\/h2>\n\n\n\n
P\u016fj\u010dky pro dlu\u017en\u00edky bez registru – srovn\u00e1n\u00ed<\/h3>\n
![\"Zonky\"](\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2017\/11\/untitled-project-2.jpg\" "\\"Zonky\\"")
\n <\/a><\/td>![\"Razdva](\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2020\/01\/razdva-pujcka-1.png\" "\\"Razdva")
\n <\/a><\/td>