{"id":52255,"date":"2024-03-31T21:47:33","date_gmt":"2024-03-31T19:47:33","guid":{"rendered":"https:\/\/financera.cz\/?page_id=52255"},"modified":"2024-09-26T11:27:45","modified_gmt":"2024-09-26T09:27:45","slug":"nebankovni-pujcky-kde-opravdu-pujci","status":"publish","type":"page","link":"https:\/\/financera.cz\/pujcky\/nebankovni-pujcky-kde-opravdu-pujci\/","title":{"rendered":"Nebankovn\u00ed p\u016fj\u010dky kde opravdu p\u016fj\u010d\u00ed &#8211; srovn\u00e1n\u00ed"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Zskejte_pjku_i_v_registru_nebo_bez_pjm\">Z\u00edskejte p\u016fj\u010dku i v registru nebo bez p\u0159\u00edjm\u016f<\/h2>\n\n\n\n<p>Pot\u0159ebujete p\u016fj\u010dku, ale z n\u011bkter\u00e9ho z mnoha d\u016fvod\u016f si nem\u016f\u017eete p\u016fj\u010dit v bance? Pravdou je, \u017ee banky v \u010cesk\u00e9 republice jsou v\u00e1z\u00e1ny pom\u011brn\u011b p\u0159\u00edsn\u00fdmi pravidly prov\u011b\u0159ov\u00e1n\u00ed. Dostupnosti p\u016fj\u010dek nepom\u00e1h\u00e1 ani sou\u010dasn\u00e1 ekonomick\u00e1 situace, kdy banky kv\u016fli vysok\u00fdm \u00farokov\u00fdm sazb\u00e1m prov\u011b\u0159uj\u00ed \u017eadatele je\u0161t\u011b d\u016fkladn\u011bji.<\/p>\n\n\n\n<p><strong>V takov\u00e9m p\u0159\u00edpad\u011b \u010dasto nezb\u00fdv\u00e1 ne\u017e se obr\u00e1tit na nebankovn\u00ed spole\u010dnosti. <\/strong>Ty jsou sice sn\u00e1ze dostupn\u00e9, ale maj\u00ed tak\u00e9 sv\u00e9 mouchy a je t\u011b\u017e\u0161\u00ed poznat, kter\u00fdm z nich m\u016f\u017eete d\u016fv\u011b\u0159ovat. <\/p>\n\n\n\n<p>V tomto \u010dl\u00e1nku se proto bl\u00ed\u017ee pod\u00edv\u00e1me na d\u016fvody, pro\u010d m\u016f\u017ee b\u00fdt pro lidi obt\u00ed\u017en\u00e9 z\u00edskat p\u016fj\u010dku v bance, a uk\u00e1\u017eeme si, jak si spr\u00e1vn\u011b vybrat nebankovn\u00ed p\u016fj\u010dky kde opravdu p\u016fj\u010d\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Nejastj_dvody_zamtnut_pjky\">Nej\u010dast\u011bj\u0161\u00ed d\u016fvody zam\u00edtnut\u00ed p\u016fj\u010dky<\/h2>\n\n\n\n<p>Mezi nej\u010dast\u011bj\u0161\u00ed d\u016fvody zam\u00edtnut\u00ed p\u016fj\u010dky pat\u0159\u00ed:<\/p>\n\n\n\n<ul>\n<li><strong>negativn\u00ed z\u00e1znam v registru<\/strong><\/li>\n\n\n\n<li><b>z<\/b><strong>adlu\u017eenost<\/strong><\/li>\n\n\n\n<li><strong>insolvence<\/strong><\/li>\n\n\n\n<li><strong>neschopnost dolo\u017eit p\u0159\u00edjem<\/strong><\/li>\n\n\n\n<li><strong>ciz\u00ed st\u00e1tn\u00ed ob\u010danstv\u00ed<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Ke ka\u017ed\u00e9mu z t\u011bchto p\u0159\u00edpad\u016f v\u00e1m v \u010dl\u00e1nku poskytneme v\u00edce informac\u00ed a tak\u00e9 se zm\u00edn\u00edme o tom, kde si p\u016fj\u010dit, pokud m\u00e1te tento konkr\u00e9tn\u00ed probl\u00e9m.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p><strong>Financera.cz v\u00e1m pom\u016f\u017ee zorientovat se ve sv\u011bt\u011b p\u016fj\u010dek. Na na\u0161ich str\u00e1nk\u00e1ch najdete nejlep\u0161\u00ed p\u016fj\u010dky recenze a <\/strong><strong>v\u0161echny informace, kter\u00e9 pot\u0159ebujete k tomu, abyste ste mohli d\u011blat informovan\u00e1 rozhodnut\u00ed ve sv\u00fdch finan\u010dn\u00edch z\u00e1le\u017eitostech.<\/strong><\/p><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financera.cz\/vysledky\/?query=1&#038;non_affiliate=true&#038;param_amount=5000&#038;param_period=30&#038;param_period=1\" class=\"button  is-rounded is-primary is-medium is-fullwidth\" target=\"_blank\"  >Okam\u017eit\u00e9 srovn\u00e1n\u00ed dostupn\u00fdch p\u016fj\u010dek<\/a><\/div>\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg1\"><h3>Porovn\u00e1vejte p\u016fj\u010dky od 40 poskytovatel\u016f p\u016fj\u010dek<\/h3><p>Najd\u011bte nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku jedn\u00edm kliknut\u00edm<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"10000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financera.cz\/vysledky?query=1&non_affiliate=true&param_amount=10000&param_period=360&\" data-slider-url=\"https:\/\/financera.cz\/vysledky?query=1&non_affiliate=true&param_amount=10000&param_period=360&\" data-required=\"vysledky?query=1non_affiliate=true&param_amount=10000&param_period=360&\" class=\"get_results compare button is-primary is-medium is-rounded\">Porovnat nab\u00eddky<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Kde_mi_pj_Nebankovn_pjka_me_bt_odpov\">Kde mi p\u016fj\u010d\u00ed? Nebankovn\u00ed p\u016fj\u010dka m\u016f\u017ee b\u00fdt odpov\u011b\u010f<\/h2>\n\n\n\n<p>Nebankovn\u00ed p\u016fj\u010dky se v sou\u010dasnosti staly d\u016fle\u017eitou alternativou pro mnoho lid\u00ed, kte\u0159\u00ed maj\u00ed pot\u00ed\u017ee se z\u00edsk\u00e1n\u00edm <a href=\"https:\/\/financera.cz\/wiki\/uver\/\">\u00fav\u011bru <\/a>od tradi\u010dn\u00edch bank. St\u00e1le v\u00edce lid\u00ed hled\u00e1 z r\u016fzn\u00fdch d\u016fvod\u016f mo\u017enosti financov\u00e1n\u00ed mimo tradi\u010dn\u00ed finan\u010dn\u00ed instituce.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>Mezi hlavn\u00ed d\u016fvody pat\u0159\u00ed p\u0159\u00edsn\u00e9 podm\u00ednky bank, kter\u00e9 \u010dasto vedou k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br.<\/p>\n<p>Dal\u0161\u00edm faktorem jsou i dlouh\u00e9 \u010dekac\u00ed doby na schv\u00e1len\u00ed \u00fav\u011bru a n\u00e1sledn\u00e9 vyplacen\u00ed finan\u010dn\u00edch prost\u0159edk\u016f.<\/p><\/div>\n\n\n<p>Naproti tomu st\u00e1le v\u00edce lid\u00ed objevuje v\u00fdhody a flexibilitu, kter\u00e9 nab\u00edzej\u00ed nebankovn\u00ed spole\u010dnosti. Tyto spole\u010dnosti \u010dasto poskytuj\u00ed rychlej\u0161\u00ed schv\u00e1len\u00ed \u017e\u00e1dosti a p\u0159\u00edstup k financ\u00edm i t\u011bm, kte\u0159\u00ed by jinak \u00fav\u011br od tradi\u010dn\u00edch bank nez\u00edskali.<\/p>\n\n\n\n<p>Jejich procesy jsou \u010dasto m\u00e9n\u011b byrokratick\u00e9 a v\u00edce p\u0159izp\u016fsoben\u00e9 individu\u00e1ln\u00edm pot\u0159eb\u00e1m klienta. Ty nejlep\u0161\u00ed nebankovn\u00ed p\u016fj\u010dky nav\u00edc umo\u017e\u0148uj\u00ed flexibiln\u011bj\u0161\u00ed podm\u00ednky spl\u00e1cen\u00ed, co\u017e m\u016f\u017ee b\u00fdt pro n\u011bkter\u00e9 lidi rozhoduj\u00edc\u00edm faktorem p\u0159i v\u00fdb\u011bru poskytovatele p\u016fj\u010dky.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Vhody_nebankovnch_pjek\">V\u00fdhody nebankovn\u00edch p\u016fj\u010dek<\/h3><li><p>Lep\u0161\u00ed dostupnost<\/p>\n<\/li><li><p>Rychl\u00e9 schv\u00e1len\u00ed a vypl\u00e1cen\u00ed p\u016fj\u010dek<\/p>\n<\/li><li><p>Flexibiln\u00ed podm\u00ednky<\/p>\n<\/li><li><p>M\u00e9n\u011b byrokracie<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Nevhody_nebankovnch_pjek\">Nev\u00fdhody nebankovn\u00edch p\u016fj\u010dek<\/h3><li><p>Obecn\u011b vy\u0161\u0161\u00ed \u00faroky a n\u00e1klady<\/p>\n<\/li><li><p>Vy\u0161\u0161\u00ed mo\u017enost narazit na podvodnou spole\u010dnost<\/p>\n<\/li><li><p>Men\u0161\u00ed m\u00edra regulace<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Nejlep_pjka_bez_doloen_pjmu\">Nejlep\u0161\u00ed p\u016fj\u010dka bez dolo\u017een\u00ed p\u0159\u00edjmu<\/h2>\n\n\n\n<p>D\u016fvod\u016f, pro\u010d nelze dolo\u017eit p\u0159\u00edjem, m\u016f\u017ee b\u00fdt n\u011bkolik. Nej\u010dast\u011bji maj\u00ed z tohoto d\u016fvodu probl\u00e9m z\u00edskat p\u016fj\u010dku nap\u0159. <a href=\"https:\/\/financera.cz\/pujcky\/studentska\/\">studenti<\/a>, <a href=\"https:\/\/financera.cz\/pujcky\/pro-duchodce\/\">d\u016fchodci<\/a>, <a href=\"https:\/\/financera.cz\/pujcky\/na-materske-dovolene\/\">matky na mate\u0159sk\u00e9 dovolen\u00e9<\/a> nebo <a href=\"https:\/\/financera.cz\/pujcky\/pro-nezamestnane\/\">nezam\u011bstnan\u00ed<\/a>.<\/p>\n\n\n\n<p>Banky v \u010cesk\u00e9 republice jsou na\u0159\u00edzen\u00edm <a href=\"https:\/\/www.zakonyprolidi.cz\/cs\/2016-257\">Z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru<\/a> povinny ov\u011b\u0159ovat p\u0159\u00edjmy pom\u011brn\u011b d\u016fkladn\u011b &#8211; <strong>nejde jen o v\u00fd\u0161i, ale i pravidelnost a dal\u0161\u00ed faktory a \u010dasto sta\u010d\u00ed postr\u00e1dat jeden z nich, aby byla \u017e\u00e1dost posouzena negativn\u011b.<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>Nebankovn\u00ed spole\u010dnosti jsou tak\u00e9 ze z\u00e1kona povinny ov\u011b\u0159ovat p\u0159\u00edjmy, ale na trhu se najdou i takov\u00e9, kter\u00e9 \u017e\u00e1dosti posuzuj\u00ed individu\u00e1ln\u011b a daj\u00ed v\u00e1m mo\u017enost sv\u016fj p\u0159\u00edjem vysv\u011btlit. Jsou to vesm\u011bs <a href=\"https:\/\/financera.cz\/pujcky\/kratkodoba-pujcka\/\">kr\u00e1tkodob\u00e9<\/a>, rychl\u00e9 p\u016fj\u010dky, kter\u00e9 \u010dasto nen\u00ed probl\u00e9m si sjednat zcela online.<\/p><\/div>\n\n\n<p>Na Financera.cz m\u00e1me praktick\u00e9 srovn\u00e1n\u00ed v\u0161ech hlavn\u00edch spole\u010dnost\u00ed na trhu. Pokud si chcete ud\u011blat p\u0159ehled, sta\u010d\u00ed kliknout na tla\u010d\u00edtko n\u00ed\u017ee.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financera.cz\/vysledky\/?query=1&#038;non_affiliate=true&#038;param_amount=5000&#038;param_period=30&#038;param_period=1\" class=\"button  is-rounded is-primary is-medium is-fullwidth\" target=\"_blank\"  >Srovn\u00e1n\u00ed p\u016fj\u010dek bez dolo\u017een\u00ed p\u0159\u00edjm\u016f<\/a><\/div>\n\n\n<p>Na\u0161e nejobl\u00edben\u011bj\u0161\u00ed expres p\u016fj\u010dka bez dolo\u017een\u00ed p\u0159\u00edjmu je <a href=\"https:\/\/financera.cz\/spolecnost\/kamali\/\">Kamali<\/a>, v\u00fdhodn\u00e9 nab\u00eddky ale m\u016f\u017eete dostat i u <a href=\"https:\/\/financera.cz\/spolecnost\/ferratum\/\">Ferratum <\/a>nebo <a href=\"https:\/\/financera.cz\/spolecnost\/viasms\/\">ViaSMS<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th><\/th><th>Ferratum<br><img decoding=\"async\" width=\"75\" height=\"25\" class=\"wp-image-52258\" style=\"width: 75px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/10\/2024\/03\/ferratum-logo-e1711622332975.png\" alt=\"\"><\/th><th>Kamali<br><img decoding=\"async\" width=\"60\" height=\"46\" class=\"wp-image-52259\" style=\"width: 60px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/10\/2024\/03\/kamali-logo-e1711622361247.png\" alt=\"\"><\/th><th>ViaSMS<br><img decoding=\"async\" width=\"75\" height=\"29\" class=\"wp-image-52260\" style=\"width: 75px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/10\/2024\/03\/viasms-logo-e1711622390282.png\" alt=\"\"><\/th><\/tr><\/thead><tbody><tr><td><strong>V\u00fd\u0161e p\u016fj\u010dky<\/strong><\/td><td>2 500 &#8211; 80 000<\/td><td>1000 &#8211; 20 000<\/td><td>1 000 &#8211; 60 000<\/td><\/tr><tr><td><strong>Doba splatnosti<\/strong><\/td><td>A\u017e 12 m\u011bs\u00edc\u016f<\/td><td>30 dn\u00ed<\/td><td>30 dn\u00ed<\/td><\/tr><tr><td><strong>\u00darok od:<\/strong><\/td><td>12,25%<\/td><td>0%<\/td><td>0%<\/td><\/tr><tr><td><strong>Max. pro nov\u00e9 klienty<\/strong><\/td><td>80 000 K\u010d<\/td><td>15 000 K\u010d<\/td><td>8000 K\u010d<\/td><\/tr><tr><td><strong>Mo\u017enost odlo\u017eit spl\u00e1tky<\/strong><\/td><td>2x ro\u010dn\u011b zdarma<\/td><td>A\u017e na 9 m\u011bs\u00edc\u016f<\/td><td>A\u017e o 30 dn\u00ed<\/td><\/tr><tr><td><strong>Vy\u0159\u00edzen\u00ed online<\/strong><\/td><td><img decoding=\"async\" width=\"20\" height=\"27\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/9\/2022\/04\/pros.png\" alt=\"Si\"><\/td><td><img decoding=\"async\" width=\"20\" height=\"27\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/9\/2022\/04\/pros.png\" alt=\"Si\"><\/td><td><img decoding=\"async\" width=\"20\" height=\"27\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/9\/2022\/04\/pros.png\" alt=\"Si\"><\/td><\/tr><tr><td><strong>Poplatky<\/strong><\/td><td>0 K\u010d<\/td><td>1 K\u010d (ov\u011b\u0159en\u00ed)<\/td><td>0 K\u010d<\/td><\/tr><tr><td><strong>Pen\u00edze na \u00fa\u010dtu<\/strong><\/td><td>Do 24 hodin<\/td><td>Do 60 minut (express v\u00fdplata)<\/td><td>Do 15 minut<\/td><\/tr><tr><td><strong>V\u00fdhody<\/strong><\/td><td>Mo\u017enost opakovan\u00e9ho \u010derp\u00e1n\u00ed<\/td><td>15 000 K\u010d zdarma p\u0159i prvn\u00ed p\u016fj\u010dce*<\/td><td>Prvn\u00ed p\u016fj\u010dka do 8 000 K\u010d zdarma<\/td><\/tr><tr><td><\/td><td><a href=\"https:\/\/financera.cz\/spolecnost\/ferratum\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">V\u00edce o p\u016fj\u010dce<\/a><\/td><td><a href=\"https:\/\/financera.cz\/spolecnost\/kamali\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">V\u00edce o p\u016fj\u010dce<\/a><\/td><td><a href=\"https:\/\/financera.cz\/spolecnost\/viasms\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">V\u00edce o p\u016fj\u010dce<\/a><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">P\u016fj\u010dka bez dolo\u017een\u00ed p\u0159\u00edjm\u016f<\/figcaption><\/figure>\n\n\n\n<p>* &#8211; v p\u0159\u00edpad\u011b splacen\u00ed do 14 dn\u016f<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Pjka_bez_doloen_pjm\">P\u016fj\u010dka bez dolo\u017een\u00ed p\u0159\u00edjm\u016f<\/h3><p>Pokud se chcete dov\u011bd\u011bt v\u00edce o p\u016fj\u010dk\u00e1ch bez dolo\u017een\u00ed p\u0159\u00edjm\u016f, doporu\u010dujeme <a href=\"https:\/\/financera.cz\/pujcky\/bez-dolozeni-prijmu\/\">tento \u010dl\u00e1nek<\/a>, kter\u00fd jsme si pro v\u00e1s p\u0159ipravili.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Kdo_opravdu_pj_zadluenm\">Kdo opravdu p\u016fj\u010d\u00ed zadlu\u017een\u00fdm?<\/h2>\n\n\n\n<p>Ov\u011b\u0159ov\u00e1n\u00ed dluh\u016f, stejn\u011b jako ov\u011b\u0159ov\u00e1n\u00ed p\u0159\u00edjm\u016f, je pro banky i nebankovn\u00ed spole\u010dnosti povinn\u00e9 ze z\u00e1kona. Rozd\u00edly jsou v\u0161ak v m\u00ed\u0159e &#8222;rizika&#8220;, kter\u00e9 je dan\u00e1 instituce ochotna podstoupit. <\/p>\n\n\n\n<p>Registry dlu\u017en\u00edk\u016f, kter\u00e9 slou\u017e\u00ed k ov\u011b\u0159en\u00ed, v\u00e1m poskytnou jasn\u00fd p\u0159ehled o va\u0161ich aktu\u00e1ln\u00edch p\u016fj\u010dk\u00e1ch. Mezi nej\u010dast\u011bji pou\u017e\u00edvan\u00e9 pat\u0159\u00ed:<\/p>\n\n\n\n<ul>\n<li><strong>BRKI <\/strong>&#8211; <a href=\"https:\/\/cbcb.cz\/\">Bankovn\u00ed registr klientsk\u00fdch informac\u00ed<\/a><\/li>\n\n\n\n<li><strong>NRKI <\/strong>&#8211; <a href=\"https:\/\/www.cncb.cz\/\">Nebankovn\u00ed registr klientsk\u00fdch informac\u00ed<\/a><\/li>\n\n\n\n<li><strong>SOLUS <\/strong>&#8211; <a href=\"https:\/\/www.solus.cz\/\">z\u00e1ujmov\u00e9 sdru\u017een\u00ed pr\u00e1vnick\u00fdch osob<\/a><\/li>\n<\/ul>\n\n\n\n<p>Z tohoto d\u016fvodu jsou nebankovn\u00ed p\u016fj\u010dky pro dlu\u017en\u00edky obvykle spojeny s vy\u0161\u0161\u00edmi \u00farokov\u00fdmi sazbami a krat\u0161\u00ed dobou splatnosti. <strong>Mus\u00edte se tak\u00e9 p\u0159ipravit na d\u016fkladn\u011bj\u0161\u00ed prov\u011b\u0159ov\u00e1n\u00ed p\u0159\u00edjm\u016f, abyste m\u011bli jistotu, \u017ee zvl\u00e1dnete spl\u00e1cet ob\u011b p\u016fj\u010dky najednou.<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p>Je t\u0159eba \u0159\u00edci, \u017ee obecn\u011b nen\u00ed vhodn\u00e9 br\u00e1t si p\u016fj\u010dky na spl\u00e1cen\u00ed jin\u00fdch p\u016fj\u010dek. <strong>Hroz\u00ed, \u017ee se t\u00edm dostanete do dluhov\u00e9 pasti a celou situaci je\u0161t\u011b zhor\u0161\u00edte<\/strong>. V \u010cesku pro takov\u00e9 p\u0159\u00edpade existuj\u00ed jin\u00e9 mo\u017enosti &#8211; od <a href=\"https:\/\/financera.cz\/jak-na-to\/konsolidace\/\">konsolidace p\u016fj\u010dek<\/a>, a\u017e po vyhl\u00e1\u0161en\u00ed <a href=\"https:\/\/financera.cz\/wiki\/osobni-bankrot\/\">osobn\u00edho bankrotu<\/a>.<\/p><\/div>\n\n\n<p>Zd\u016fraz\u0148ujeme, \u017ee v t\u011bchto p\u0159\u00edpadech jsou v\u00fdsledky velmi individu\u00e1ln\u00ed &#8211; <a href=\"https:\/\/financera.cz\/pujcky\/pujcka-bez-registru\/\">p\u016fj\u010dka bez registru<\/a> v prav\u00e9m slova smyslu v \u010cesku u\u017e neexistuje a p\u016fj\u010dka pro dlu\u017en\u00edky v registru sebou nese v\u011bt\u0161\u00ed riziko.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financera.cz\/vysledky\/?query=1&#038;non_affiliate=true&#038;param_amount=5000&#038;param_period=30&#038;param_period=1\" class=\"button  is-rounded is-primary is-medium is-fullwidth\" target=\"_blank\"  >Srovn\u00e1n\u00ed p\u016fj\u010dek dostupn\u00fdch zadlu\u017een\u00fdm<\/a><\/div>\n\n\n<p>Mezi nejlep\u0161\u00ed spole\u010dnosti, u kter\u00fdch je mo\u017en\u00e1 takov\u00e1 &#8222;p\u016fj\u010dka se z\u00e1znamem v registru&#8220;, pat\u0159\u00ed podle na\u0161eho pr\u016fzkumu <a href=\"https:\/\/financera.cz\/spolecnost\/zaplo\/\">Zaplo<\/a>, <a href=\"https:\/\/financera.cz\/spolecnost\/provident\/\">Provident <\/a>a <a href=\"https:\/\/financera.cz\/spolecnost\/chytra-pujcka\/\">Chytr\u00e1 p\u016fj\u010dka<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th><\/th><th>Zaplo<br><img decoding=\"async\" width=\"60\" height=\"45\" class=\"wp-image-52246\" style=\"width: 60px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/10\/2016\/06\/zaplo-1-e1711548989227.png\" alt=\"\"><\/th><th>Provident<br><img decoding=\"async\" width=\"70\" height=\"40\" class=\"wp-image-52312\" style=\"width: 70px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/10\/2024\/03\/provident-logo-e1711893658382.png\" alt=\"\"><\/th><th>Chytr\u00e1 p\u016fj\u010dka<br><img decoding=\"async\" width=\"70\" height=\"25\" class=\"wp-image-52311\" style=\"width: 70px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/10\/2024\/03\/chytra-pujcka-logo.png\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2024\/03\/chytra-pujcka-logo.png 376w, https:\/\/financer.global\/app\/uploads\/sites\/10\/2024\/03\/chytra-pujcka-logo-300x107.png 300w\" sizes=\"(max-width: 70px) 100vw, 70px\" \/><\/th><\/tr><\/thead><tbody><tr><td><strong>V\u00fd\u0161e p\u016fj\u010dky<\/strong><\/td><td>1 000 &#8211; 30 000 K\u010d<\/td><td>3000 &#8211; 130 000 K\u010d<\/td><td>5 000 &#8211; 10 000 K\u010d<\/td><\/tr><tr><td><strong>Doba splatnosti<\/strong><\/td><td>7-30 dn\u00ed<\/td><td>6 m\u011bs\u00edc\u016f &#8211; 3 roky<\/td><td>7 &#8211; 30 dn\u016f<\/td><\/tr><tr><td><strong>\u00darok od:<\/strong><\/td><td>0%<\/td><td>6,2%<\/td><td>0%<\/td><\/tr><tr><td><strong>Max. pro nov\u00e9 klienty<\/strong><\/td><td>16 000 K\u010d<\/td><td>130 000 K\u010d<\/td><td>2 500 000 K\u010d<\/td><\/tr><tr><td><strong>Mo\u017enost odlo\u017eit spl\u00e1tky<\/strong><\/td><td>O 30 dn\u00ed<\/td><td>1x mo\u017enost spl\u00e1tkov\u00fdch pr\u00e1zdnin<\/td><td>A\u017e o 30 dn\u00ed<\/td><\/tr><tr><td><strong>Vy\u0159\u00edzen\u00ed online<\/strong><\/td><td><img decoding=\"async\" width=\"20\" height=\"27\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/9\/2022\/04\/pros.png\" alt=\"Si\"><\/td><td><img decoding=\"async\" width=\"20\" height=\"27\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/9\/2022\/04\/pros.png\" alt=\"Si\"><\/td><td><img decoding=\"async\" width=\"20\" height=\"27\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/9\/2022\/04\/pros.png\" alt=\"Si\"><\/td><\/tr><tr><td><strong>Poplatky<\/strong><\/td><td>0 K\u010d<\/td><td>0 K\u010d<\/td><td>0 K\u010d<\/td><\/tr><tr><td><strong>Pen\u00edze na \u00fa\u010dtu<\/strong><\/td><td>V z\u00e1vislosti od banky (p\u00e1r minut a\u017e p\u00e1r hodin)<\/td><td>Do 3 dn\u016f<\/td><td>Do 2 dn\u016f<\/td><\/tr><tr><td><strong>V\u00fdhody<\/strong><\/td><td>Prvn\u00ed p\u016fj\u010dka do 16 000 K\u010d zdarma<\/td><td>Mo\u017enost p\u016fj\u010dky v hotovosti, poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet<\/td><td>Prvn\u00ed p\u016fj\u010dka zdarma do 10 000 K\u010d<\/td><\/tr><tr><td><\/td><td><a href=\"https:\/\/financera.cz\/spolecnost\/zaplo\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">V\u00edce o p\u016fj\u010dce<\/a><\/td><td><a href=\"https:\/\/financera.cz\/spolecnost\/provident\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">V\u00edce o p\u016fj\u010dce<\/a><\/td><td><a href=\"https:\/\/financera.cz\/spolecnost\/chytra-pujcka\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">V\u00edce o p\u016fj\u010dce<\/a><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">P\u016fj\u010dka pro zadlu\u017een\u00e9<\/figcaption><\/figure>\n\n\n\n<p>V p\u0159\u00edpad\u011b, \u017ee by jste cht\u011bli z\u00edskat v\u00edce informac\u00ed o p\u016fj\u010dk\u00e1ch pro dlu\u017en\u00edky, doporu\u010dujeme n<a href=\"https:\/\/financera.cz\/pujcky\/pro-dluzniky\/\">\u00e1\u0161 \u010dl\u00e1nek na toto t\u00e9ma<\/a>.<\/p>\n\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg1\">\n\t\t\t\t<h3>Jak u\u0161et\u0159it <span class=\"compare-amount\">216&nbsp;840,00 K\u010d <\/span> na va\u0161\u00ed p\u016fj\u010dce<\/h3>\n\t\t\t\t<p>Rozd\u00edl v cen\u011b p\u016fj\u010dky 10&nbsp;000,00 K\u010d za 90 dn\u00ed je 216&nbsp;840,00 K\u010d.<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financera.cz\/pujcky\/vysledky\/?query=1&filter_non_affiliate=1&param_amount=10000&param_period=90\" class=\"button is-normal is-primary is-rounded\">Zjist\u011bte jak<\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"Nejlep_nebankovn_pjka_bez_registru\">Nejlep\u0161\u00ed nebankovn\u00ed p\u016fj\u010dka bez registru<\/h2>\n\n\n\n<p>Dal\u0161\u00edm typem informac\u00ed, kter\u00e9 mohou banky a nebankovn\u00ed spole\u010dnosti z\u00edskat z registr\u016f, jako jsou NRKI, BRKI, SOLUS a dal\u0161\u00ed, jsou informace o va\u0161\u00ed platebn\u00ed mor\u00e1lce.<\/p>\n\n\n\n<p>I kdy\u017e jste v\u0161echny sv\u00e9 p\u0159edchoz\u00ed p\u016fj\u010dky ji\u017e splatili, pokud jste se p\u0159i jejich spl\u00e1cen\u00ed dostali do probl\u00e9m\u016f (opo\u017ed\u011bn\u00e9 spl\u00e1tky, odklady spl\u00e1tek atd.), m\u016f\u017ee to m\u00edt hlavn\u011b u bank negativn\u00ed dopad na posouzen\u00ed va\u0161\u00ed \u017e\u00e1dosti.<\/p>\n\n\n\n<p>V tomto p\u0159\u00edpad\u011b je posouzen\u00ed o n\u011bco &#8222;p\u0159\u00e1tel\u0161t\u011bj\u0161\u00ed&#8220; ne\u017e v p\u0159\u00edpad\u011b, \u017ee nejste schopni dolo\u017eit sv\u016fj p\u0159\u00edjem nebo ji\u017e m\u00e1te jinou p\u016fj\u010dku. Proto nebankovn\u00ed p\u016fj\u010dky bez registru v\u011bt\u0161inou nejsou probl\u00e9mem.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p>V n\u011bkter\u00fdch registrech m\u016f\u017eete m\u00edt negativn\u00ed z\u00e1znam, i kdy\u017e jste nikdy \u017e\u00e1dn\u00fd \u00fav\u011br p\u0159\u00edmo ne\u010derpali.<strong> P\u0159\u00edstup do registru SOLUS maj\u00ed nap\u0159\u00edklad mobiln\u00ed oper\u00e1to\u0159i, dodavatel\u00e9 energi\u00ed a poji\u0161\u0165ovny a z\u00e1znam (z\u016fst\u00e1v\u00e1 na 1-3 roky) m\u016f\u017ee poch\u00e1zet nap\u0159\u00edklad i z opo\u017ed\u011bn\u00e9 platby za telefon.<\/strong><\/p><\/div>\n\n\n<p>P\u016fj\u010dka pro lidi v registru se tak d\u00e1 sjednat u mnoh\u00fdch spole\u010dnost\u00ed na trhu, st\u00e1le v\u0161ak je pot\u0159eba p\u0159i v\u00fdb\u011bru t\u00e9 spr\u00e1vn\u00e9 zachovat opatrnost. Pom\u016f\u017eou v\u00e1m s t\u00edm na\u0161e <a href=\"https:\/\/financera.cz\/pujcky\/nebankovni\/\">nebanka recenze<\/a>, ale v p\u0159\u00edpad\u011b, \u017ee si rad\u0161i ud\u011bl\u00e1te p\u0159ehled sami m\u00e1me k dispozici i praktick\u00e9 srovn\u00e1n\u00ed.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financera.cz\/vysledky\/?query=1&#038;non_affiliate=true&#038;param_amount=5000&#038;param_period=30&#038;param_period=1\" class=\"button  is-rounded is-primary is-medium is-fullwidth\" target=\"_blank\"  >P\u016fj\u010dka s registrem &#8211; srovn\u00e1n\u00ed<\/a><\/div>\n\n\n<p>Mezi p\u016fj\u010dky, kter\u00e9 se dlouhodob\u011b um\u00eds\u0165uj\u00ed na p\u0159edn\u00edch m\u00edstech na\u0161ich pr\u016fzkum\u016f, pat\u0159\u00ed P2P p\u016fj\u010dka od <a href=\"https:\/\/financera.cz\/spolecnost\/zonky\/\">Zonky<\/a>, <a href=\"https:\/\/financera.cz\/spolecnost\/zaplo\/na-splatky\/\">Zaplo na spl\u00e1tky<\/a> nebo <a href=\"https:\/\/financera.cz\/spolecnost\/movinero\/\">Movinero<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th><\/th><th>Zonky<br><img decoding=\"async\" width=\"70\" height=\"27\" class=\"wp-image-52313\" style=\"width: 70px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/10\/2024\/03\/zonky-logo-1-e1711893594313.png\" alt=\"\"><\/th><th>Zaplo na spl\u00e1tky<br><img decoding=\"async\" width=\"80\" height=\"22\" class=\"wp-image-52314\" style=\"width: 80px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/10\/2024\/03\/zaplo-na-splatky-logo-e1711893574461.png\" alt=\"\"><\/th><th>Movinero<br><img decoding=\"async\" width=\"80\" height=\"13\" class=\"wp-image-52315\" style=\"width: 80px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/10\/2024\/03\/logo-150ppi-b87dc034499ce01a570bf9bcd8c983e1-e1711893699171.png\" alt=\"\"><\/th><\/tr><\/thead><tbody><tr><td><strong>V\u00fd\u0161e p\u016fj\u010dky<\/strong><\/td><td>5000- 1 200 000 K\u010d<\/td><td>1000 &#8211; 60 000 K\u010d<\/td><td>500 &#8211; 30 000 K\u010d<\/td><\/tr><tr><td><strong>Doba splatnosti<\/strong><\/td><td>12 &#8211; 120 m\u011bs\u00edc\u016f<\/td><td>3 &#8211; 12 m\u011bs\u00edc\u016f<\/td><td>A\u017e 24 m\u011bs\u00edc\u016f<\/td><\/tr><tr><td><strong>\u00darok od:<\/strong><\/td><td>4,49%<\/td><td>108,7% ro\u010dn\u011b<\/td><td>0%<\/td><\/tr><tr><td><strong>Max. pro nov\u00e9 klienty<\/strong><\/td><td>1,2 milionu K\u010d<\/td><td>15 000<\/td><td>30 000<\/td><\/tr><tr><td><strong>Mo\u017enost odlo\u017eit spl\u00e1tky<\/strong><\/td><td><img decoding=\"async\" width=\"20\" height=\"27\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/9\/2022\/04\/pros.png\" alt=\"Si\"><\/td><td><img decoding=\"async\" width=\"20\" height=\"27\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/9\/2022\/04\/pros.png\" alt=\"Si\"><\/td><td>A\u017e o 35 dn\u00ed<\/td><\/tr><tr><td><strong>Vy\u0159\u00edzen\u00ed online<\/strong><\/td><td><img decoding=\"async\" width=\"20\" height=\"27\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/9\/2022\/04\/pros.png\" alt=\"Si\"><\/td><td><img decoding=\"async\" width=\"20\" height=\"27\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/9\/2022\/04\/pros.png\" alt=\"Si\"><\/td><td><img decoding=\"async\" width=\"20\" height=\"27\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/9\/2022\/04\/pros.png\" alt=\"Si\"><\/td><\/tr><tr><td><strong>Poplatky<\/strong><\/td><td>0 K\u010d<\/td><td>0 K\u010d<\/td><td>0 K\u010d<\/td><\/tr><tr><td><strong>Pen\u00edze na \u00fa\u010dtu<\/strong><\/td><td>Do 24 hodin<\/td><td>V z\u00e1vislosti od banky (p\u00e1r minut a\u017e p\u00e1r hodin)<\/td><td>Do 15 minut<\/td><\/tr><tr><td><strong>V\u00fdhody<\/strong><\/td><td>Mimo\u0159\u00e1dn\u00e9 spl\u00e1tky zdarma<\/td><td>Vypl\u00e1cen\u00ed i o v\u00edkendu nebo v noci<\/td><td>Prvn\u00ed p\u016fj\u010dka do 30 000 K\u010d zdarma za prvn\u00ed m\u011bs\u00edc<\/td><\/tr><tr><td><\/td><td><a href=\"https:\/\/financera.cz\/spolecnost\/zonky\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">V\u00edce o p\u016fj\u010dce<\/a><\/td><td><a href=\"https:\/\/financera.cz\/spolecnost\/zaplo\/na-splatky\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">V\u00edce o p\u016fj\u010dce<\/a><\/td><td><a href=\"https:\/\/financera.cz\/spolecnost\/movinero\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">V\u00edce o p\u016fj\u010dce<\/a><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">P\u016fj\u010dka v registru<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Nebankovn_pjky___na_co_si_dt_u_nich_pozor\">Nebankovn\u00ed p\u016fj\u010dky &#8211; na co si d\u00e1t u nich pozor<\/h2>\n\n\n\n<p>P\u0159i v\u00fdb\u011bru p\u016fj\u010dky je d\u016fle\u017eit\u00e9 v\u011bnovat pozornost n\u011bkolika kl\u00ed\u010dov\u00fdm faktor\u016fm, abyste se vyhnuli mo\u017en\u00fdm probl\u00e9m\u016fm a zbyte\u010dn\u00fdm finan\u010dn\u00edm ztr\u00e1t\u00e1m. Dodr\u017eov\u00e1n\u00edm t\u011bchto postup\u016f minimalizujete riziko podvodu.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p><strong>\ud83e\uddfeP\u016fj\u010dky bez dokumentace<\/strong>: Spole\u010dnosti, kter\u00e9 nab\u00edzej\u00ed p\u016fj\u010dky bez dokumentace nebo \u0159\u00e1dn\u00fdch podm\u00ednek mohou skr\u00fdvat skryt\u00e9 poplatky, nejasn\u00e9 podm\u00ednky spl\u00e1cen\u00ed nebo jin\u00e9 nev\u00fdhodn\u00e9 praktiky, kter\u00e9 mohou pozd\u011bji v\u00e9st k finan\u010dn\u00edm probl\u00e9m\u016fm.<br><br><strong>\ud83c\udfe6Registrace u \u010cNB<\/strong>:\u00a0D\u016fle\u017eit\u00e9 je tak\u00e9 zkontrolovat, zda je poskytovatel p\u016fj\u010dky registrov\u00e1n u \u010cesk\u00e9 n\u00e1rodn\u00ed banky (\u010cNB). Neregistrovan\u00e9 spole\u010dnosti mohou p\u016fsobit mimo pr\u00e1vn\u00ed r\u00e1mec a nepodl\u00e9hat dostate\u010dn\u00e9 kontrole, co\u017e zna\u010dn\u011b zvy\u0161uje riziko.<br><br><strong>\ud83d\udcb0 Poplatky p\u0159ed poskytnut\u00edm \u00fav\u011bru<\/strong>: P\u0159ed podpisem smlouvy si p\u0159e\u010dt\u011bte v\u0161echny podm\u00ednky a poplatky a porozum\u011bt jim, abyste se vyhnuli nep\u0159\u00edjemn\u00fdm p\u0159ekvapen\u00edm a necht\u011bn\u00e9 finan\u010dn\u00ed z\u00e1t\u011b\u017ei.<br><br><strong>\ud83d\udcb8P\u0159\u00edli\u0161 dobr\u00e9 nab\u00eddky<\/strong>: Nab\u00eddky, kter\u00e9 se zdaj\u00ed b\u00fdt a\u017e p\u0159\u00edli\u0161 v\u00fdhodn\u00e9 na to, aby byly pravdiv\u00e9, \u010dasto skute\u010dn\u011b jsou. N\u011bkter\u00e9 nepoctiv\u00e9 spole\u010dnosti nebo podvodn\u00edci mohou vyu\u017e\u00edvat l\u00e1kav\u00e9 nab\u00eddky, jako jsou velmi n\u00edzk\u00e9 \u00farokov\u00e9 sazby, \u017e\u00e1dn\u00e9 poplatky nebo okam\u017eit\u00e9 schv\u00e1len\u00ed, aby p\u0159il\u00e1kali klienty.<\/p><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"asto_kladen_otzky\">\u010casto kladen\u00e9 ot\u00e1zky<\/h3><h4>M\u00e1m exekuci a pot\u0159ebuji p\u016fj\u010dku &#8211; d\u00e1 se to?<\/h4><div class=\"faq_inner\"><p>V tomto slo\u017eit\u00e9m p\u0159\u00edpad\u011b odpov\u011b\u010f zn\u00ed &#8211; z\u00e1le\u017e\u00ed. U tradi\u010dn\u00edch bank s exekuc\u00ed &#8222;na krku&#8220; prost\u011b nepochod\u00edte. Existuj\u00ed nebankovn\u00ed spole\u010dnosti, kter\u00e9 v\u00e1m p\u016fj\u010dku v exekuci poskytnou, ale <strong>v\u011bt\u0161inou je to kompenzov\u00e1no vysok\u00fdmi \u00faroky a poplatky z prodlen\u00ed<\/strong>. Pokud v\u00e1s tato problematika zaj\u00edm\u00e1 nebo p\u016fj\u010dku v exekuci pot\u0159ebujete, doporu\u010dujeme si pro\u010d\u00edst <a href=\"https:\/\/financera.cz\/wiki\/pujcka-v-insolvenci-nebo-v-exekuci\/\">n\u00e1\u0161 \u010dl\u00e1nek na toto t\u00e9ma<\/a>.<\/p><\/div><h4>Existuje p\u016fj\u010dka pro dlu\u017en\u00edky v registru?<\/h4><div class=\"faq_inner\"><p>Ano, existuj\u00ed. P\u0159esto\u017ee banky maj\u00ed s p\u016fj\u010dkami pro lidi v registru dlu\u017en\u00edk\u016f \u010dasto probl\u00e9m, na \u010desk\u00e9m trhu p\u016fsob\u00ed nebankovn\u00ed spole\u010dnosti, u kter\u00fdch jsou podm\u00ednky m\u00edrn\u011bj\u0161\u00ed. <strong>Doporu\u010dujeme v\u0161ak, abyste nab\u00eddky pe\u010dliv\u011b porovnali a p\u0159ed podpisem smlouvy si v\u0161e \u0159\u00e1dn\u011b ov\u011b\u0159ili.<\/strong><\/p><\/div><h4>Kter\u00e1 banka p\u016fj\u010d\u00ed po insolvenci?<\/h4><div class=\"faq_inner\"><p>Pokud jde konkr\u00e9tn\u011b o banky, ty maj\u00ed \u010dasto probl\u00e9m s poskytov\u00e1n\u00edm \u00fav\u011br\u016f i po insolvenci, proto\u017ee z\u00e1znam o n\u00ed z\u016fst\u00e1v\u00e1 v registrech pom\u011brn\u011b dlouhou dobu (podle rejst\u0159\u00edku v\u00edce ne\u017e 3 roky). Jist\u00e1 p\u016fj\u010dka v insolvenci neexistuje, p\u0159\u00edstup se v\u0161ak u jednotliv\u00fdch bank a klient\u016f dost li\u0161\u00ed. Pokud tedy m\u00e1te se svou bankou dobr\u00e9 vztahy, m\u016f\u017eete to zkusit.<\/p><\/div><h4>Kter\u00e1 banka p\u016fj\u010d\u00ed se z\u00e1znamem v registru<\/h4><div class=\"faq_inner\"><p>V p\u0159\u00edpad\u011b z\u00e1pisu do rejst\u0159\u00edku se posuzuje tak\u00e9 to, o jak\u00fd typ z\u00e1pisu se jedn\u00e1. Navzdory v\u0161eobecn\u00e9mu p\u0159esv\u011bd\u010den\u00ed mohou b\u00fdt z\u00e1znamy v registru pozitivn\u00ed (dobr\u00e1 historie spl\u00e1cen\u00ed), ale i negativn\u00ed z\u00e1znamy maj\u00ed &#8222;odst\u00edny \u0161edi&#8220;.<\/p>\n<p>Nadm\u011brn\u00e1 zadlu\u017eenost, \u0161patn\u00e1 platebn\u00ed historie nebo insolvence mohou p\u016fj\u010dku od banky prakticky znemo\u017enit, zat\u00edmco drobn\u00e9 p\u0159estupky mohou b\u00fdt probl\u00e9mem. Jist\u00e1 p\u016fj\u010dka bez registru se tedy ned\u00e1 zaru\u010dit, ale vyplat\u00ed se ov\u011b\u0159it si to v bance osobn\u011b.<\/p><\/div><h4>Kde si p\u016fj\u010dit pen\u00edze<\/h4><div class=\"faq_inner\"><p>Obecn\u011b plat\u00ed, \u017ee byste si m\u011bli p\u016fj\u010dovat pen\u00edze pouze od ov\u011b\u0159en\u00fdch a registrovan\u00fdch spole\u010dnost\u00ed. Lichv\u00e1\u0159, kter\u00fd opravdu p\u016fj\u010d\u00ed u\u017e se dneska nevid\u00ed a i kdyby jo, nen\u00ed to pozice, ve kter\u00e9 by jste se cht\u011bli ocitnout.<\/p><\/div><h4>Jak\u00e1 je nejlep\u0161\u00ed nebankovn\u00ed p\u016fj\u010dka?<\/h4><div class=\"faq_inner\"><\/div><h4>M\u016f\u017eu m\u00edt v p\u0159\u00edpad\u011b nebankovn\u00ed p\u016fj\u010dky bez registru pen\u00edze je\u0161t\u011b dnes?<\/h4><div class=\"faq_inner\"><\/div><h4>Kde mi p\u016fj\u010d\u00ed, kdy\u017e jsem v registru?<\/h4><div class=\"faq_inner\"><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Z\u00edskejte p\u016fj\u010dku i v registru nebo bez p\u0159\u00edjm\u016f Pot\u0159ebujete p\u016fj\u010dku, ale z n\u011bkter\u00e9ho z mnoha d\u016fvod\u016f si nem\u016f\u017eete p\u016fj\u010dit v\u2026 <\/p>\n","protected":false},"author":38180,"featured_media":79247,"parent":1845,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[76],"tags":[],"_links":{"self":[{"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/pages\/52255"}],"collection":[{"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/users\/38180"}],"replies":[{"embeddable":true,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/comments?post=52255"}],"version-history":[{"count":41,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/pages\/52255\/revisions"}],"predecessor-version":[{"id":78997,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/pages\/52255\/revisions\/78997"}],"up":[{"embeddable":true,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/pages\/1845"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/media\/79247"}],"wp:attachment":[{"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/media?parent=52255"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/categories?post=52255"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/tags?post=52255"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}