P\u016fj\u010dka online je finan\u010dn\u00ed produkt, kter\u00fd umo\u017e\u0148uje jednotlivc\u016fm nebo dokonce podnik\u016fm p\u016fj\u010dit si pen\u00edze p\u0159es internet. <\/strong>Tato forma p\u016fj\u010dek je st\u00e1le obl\u00edben\u011bj\u0161\u00ed d\u00edky sv\u00e9 rychlosti, jednoduchosti a pohodl\u00ed.<\/p>\n\n\n\n Proces z\u00edsk\u00e1n\u00ed online p\u016fj\u010dky je velmi jednoduch\u00fd. <\/strong>Obvykle se vypln\u00ed jednoduch\u00fd formul\u00e1\u0159 s osobn\u00edmi \u00fadaji a informacemi o p\u016fj\u010dce. <\/p>\n\n\n\n Tyto informace jsou automaticky zpracov\u00e1ny <\/strong>sofistikovan\u00fdmi algoritmy a rozhodnut\u00ed o schv\u00e1len\u00ed nebo zam\u00edtnut\u00ed p\u016fj\u010dky je obvykle k dispozici okam\u017eit\u011b nebo b\u011bhem n\u011bkolika hodin.<\/p>\n\n\n\n V dne\u0161n\u00ed dob\u011b je ji\u017e nab\u00eddka na trhu online p\u016fj\u010dek dostate\u010dn\u011b \u0161irok\u00e1,<\/strong> p\u0159i\u010dem\u017e m\u00e1te na v\u00fdb\u011br mezi bankovn\u00edmi<\/a> nebo nebankovn\u00edmi<\/a> poskytovateli. <\/p>\n\n\n\n Online m\u016f\u017eete po\u017e\u00e1dat nap\u0159\u00edklad o spot\u0159ebitelsk\u00fd \u00fav\u011br<\/a>, p\u016fj\u010dku na auto<\/a>, podnikatelsk\u00fd \u00fav\u011br<\/a> \u010di dokonce hypot\u00e9ku<\/a>, ale tak\u00e9 mnoh\u00e9 dal\u0161\u00ed \u00fav\u011brov\u00e9 produkty. Kone\u010dn\u00fd v\u00fdb\u011br je u\u017e na v\u00e1s.<\/p>\n\n\n\n Porovn\u00e1v\u00e1n\u00ed p\u016fj\u010dek online s sebou p\u0159in\u00e1\u0161\u00ed n\u011bkolik v\u00fdhod.<\/strong> Krom\u011b toho, \u017ee m\u00e1te k dispozici p\u0159ehlednou a aktu\u00e1ln\u00ed nab\u00eddku od d\u016fv\u011bryhodn\u00fdch \u010desk\u00fdch spole\u010dnost\u00ed, u\u0161et\u0159\u00edte pen\u00edze, ale zejm\u00e9na \u010das.<\/p>\n\n\n\n Bankovn\u00ed p\u016fj\u010dka jako takov\u00e1 je \u00fav\u011brov\u00fd produkt, kter\u00fd je nab\u00edzen klasick\u00fdmi bankami. <\/strong>Ty p\u016fsob\u00ed na \u010desk\u00e9m trhu dlouhodob\u011bji as nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed o nich u\u017e ka\u017ed\u00fd alespo\u0148 jednou v \u017eivot\u011b sly\u0161el.<\/p>\n\n\n\n Je\u0161t\u011b v ned\u00e1vn\u00e9 minulosti byla p\u016fj\u010dka p\u0159es banku stra\u0161\u00e1kem, ale dnes u\u017e to \u00fapln\u011b neplat\u00ed. V\u011bt\u0161ina \u010desk\u00fdch bank nab\u00edz\u00ed rychl\u00e9 p\u016fj\u010dky i online,<\/strong> a to bez zbyte\u010dn\u00fdch pap\u00edrova\u010dek a nav\u00edc mnohdy tak\u00e9 s v\u00fdhodn\u00fdmi podm\u00ednkami.<\/p>\n\n\n\n Mezi nejzn\u00e1m\u011bj\u0161\u00ed \u010desk\u00e9 banky pat\u0159\u00ed \u010cesk\u00e1 spo\u0159itelna<\/a>, \u010cSOB<\/a>, Komer\u010dn\u00ed banka<\/a>, Raiffeisenbank<\/a>, Air Bank<\/a>, MONETA<\/a>, mBank<\/a> a Fio banka.<\/a><\/p>\n\n\n\n Nebankovn\u00ed p\u016fj\u010dka online, nebo tak\u00e9 nebankovn\u00ed p\u016fj\u010dka ihned je poskytov\u00e1na, jak ji\u017e \u0159\u00edk\u00e1 jej\u00ed n\u00e1zev, nebankovn\u00edmi spole\u010dnostmi.<\/strong><\/p>\n\n\n\n Ty maj\u00ed licenci od \u010cesk\u00e9 n\u00e1rodn\u00ed banky<\/strong> na poskytov\u00e1n\u00ed spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f. Chcete-li s\u00e1hnout po t\u00e9to alternativ\u011b, hledejte v\u00fdhradn\u011b takovou spole\u010dnost, kter\u00e1 tuto licenci m\u00e1. Vyhnete se tak ne\u017e\u00e1douc\u00edm probl\u00e9m\u016fm a minimalizujete riziko.<\/p>\n\n\n\n U nebankovn\u00edch p\u016fj\u010dek v\u011bt\u0161inou plat\u00ed, \u017ee v porovn\u00e1n\u00ed s bankovn\u00edmi p\u016fj\u010dkami je mo\u017en\u00e9 p\u016fj\u010dit si ni\u017e\u0161\u00ed finan\u010dn\u00ed obnos<\/strong>, p\u0159i\u010dem\u017e doba splacen\u00ed je tak\u00e9 v\u00fdrazn\u011bji krat\u0161\u00ed. <\/p>\n\n\n\n Nebankovn\u00ed p\u016fj\u010dka je \u010dasto jen kr\u00e1tkodob\u00fdm vy\u0159e\u0161en\u00edm finan\u010dn\u00edch pot\u00ed\u017e\u00ed <\/strong>a riziko neschopnosti spl\u00e1cet ji, je vysok\u00e9. To v praxi znamen\u00e1, \u017ee u nebankovn\u00edch p\u016fj\u010dek jsou kv\u016fli rychl\u00e9mu splacen\u00ed ni\u017e\u0161\u00ed \u010d\u00e1stky vy\u0161\u0161\u00ed \u00faroky nebo poplatky za zprost\u0159edkov\u00e1n\u00ed \u00fav\u011bru.<\/p>\n\n\n\n Samoz\u0159ejm\u011b i takov\u00e1 finan\u010dn\u00ed alternativa m\u00e1 sv\u00e9 v\u00fdhody. Z\u00e1rove\u0148 i trh s nebankovn\u00edmi p\u016fj\u010dkami online je v dne\u0161n\u00ed dob\u011b ji\u017e pom\u011brn\u011b \u0161irok\u00fd. N\u011bkter\u00e9 jsou v\u00e1m dokonce ochotny poskytnout v\u011bt\u0161\u00ed obnos pen\u011bz <\/strong>v p\u0159\u00edpad\u011b, \u017ee se zaru\u010d\u00edte nemovitost\u00ed.<\/a><\/p>\n\n\n\n Nebankovn\u00ed spole\u010dnosti jsou z\u00e1rove\u0148 mnohem ochotn\u011bj\u0161\u00ed p\u016fj\u010dovat<\/strong> nap\u0159\u00edklad cizinc\u016fm<\/a>, d\u016fchodc\u016fm<\/a>, mamink\u00e1m na mate\u0159sk\u00e9<\/a>, nezam\u011bstnan\u00fdm<\/a> \u010di lidem se z\u00e1znamem v \u00fav\u011brov\u00e9m rejst\u0159\u00edku.<\/a><\/p>\n\n\n\n Spot\u0159ebitelsk\u00fd \u00fav\u011br<\/a>, ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f poskytovan\u00fd na cokoli, je nejb\u011b\u017en\u011bj\u0161\u00ed typ \u00fav\u011bru.<\/strong> Jak u\u017e jeho n\u00e1zev \u0159\u00edk\u00e1, b\u00fdv\u00e1 vyu\u017e\u00edv\u00e1n k n\u00e1kupu spot\u0159ebn\u00edho zbo\u017e\u00ed do dom\u00e1cnosti, k rekonstrukci bydlen\u00ed, n\u00e1kupu nov\u00e9ho auta nebo refinancov\u00e1n\u00ed ji\u017e existuj\u00edc\u00edch star\u0161\u00edch \u00fav\u011br\u016f.<\/p>\n\n\n\n V sou\u010dasnosti \u010desk\u00e9 banky i nebankovn\u00ed spole\u010dnosti nab\u00edzej\u00ed spot\u0159ebitelsk\u00e9 \u00fav\u011bry s \u00farokov\u00fdmi sazbami ji\u017e od 3,9% ro\u010dn\u011b. <\/strong>V\u011bt\u0161ina z nich m\u00e1 splatnost maxim\u00e1ln\u011b do 10 let. Maxim\u00e1ln\u00ed mo\u017en\u00e1 \u010d\u00e1stka, kterou si m\u016f\u017eete p\u016fj\u010dit prost\u0159ednictv\u00edm spot\u0159ebn\u00edho \u00fav\u011bru, je v sou\u010dasnosti 2 500 000 K\u010d.<\/p>\n\n\n\n Nejobl\u00edben\u011bj\u0161\u00edm typem online p\u016fj\u010dek jsou p\u0159edev\u0161\u00edm rychl\u00e9 p\u016fj\u010dky<\/a>. Jedn\u00e1 se o typ b\u011b\u017en\u00e9ho spot\u0159ebitelsk\u00e9ho \u00fav\u011bru,<\/strong> kter\u00fd je ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f poskytov\u00e1n nebankovn\u00edmi spole\u010dnostmi.<\/p>\n\n\n\n Tyto spole\u010dnosti v\u00e1m p\u016fj\u010d\u00ed pen\u00edze b\u011bhem relativn\u011b kr\u00e1tk\u00e9 doby. <\/strong>V n\u011bkter\u00fdch p\u0159\u00edpadech i do p\u00e1r minut od schv\u00e1len\u00ed va\u0161\u00ed \u017e\u00e1dosti.<\/p>\n\n\n\n M\u016f\u017eete tak rychle a jednodu\u0161e p\u0159eklenout neo\u010dek\u00e1van\u00e9 finan\u010dn\u00ed probl\u00e9my.<\/strong> Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f jsou tyto p\u016fj\u010dky p\u016fj\u010dov\u00e1ny s ni\u017e\u0161\u00edm \u00fav\u011brov\u00fdm r\u00e1mcem a krat\u0161\u00ed dobou splatnosti.<\/p>\n\n\n\n St\u00e1le pom\u011brn\u011b nezn\u00e1m\u00fd model financov\u00e1n\u00ed va\u0161ich pot\u0159eb, ve sv\u011bt\u011b tak\u00e9 zn\u00e1m\u00fd jako P2P (peer-to-peer) p\u016fj\u010dky,<\/strong> nebo soukrom\u00e9 \u010di kolektivn\u00ed p\u016fj\u010dky.<\/p>\n\n\n\n V sou\u010dasnosti st\u00e1le v\u00edce a v\u00edce nab\u00edraj\u00ed na popularit\u011b, zejm\u00e9na z toho d\u016fvodu, \u017ee p\u016fj\u010dky od lid\u00ed pro lidi jsou mnohem dostupn\u011bj\u0161\u00ed <\/strong>ne\u017e bankovn\u00ed p\u016fj\u010dky a \u0161anci usp\u011bt se \u017e\u00e1dost\u00ed tak maj\u00ed i lid\u00e9, kter\u00e9 banka odm\u00edtla.<\/p>\n\n\n\n Pro spr\u00e1vn\u00e9 fungov\u00e1n\u00ed P2P p\u016fj\u010dek je nezbytn\u00e1 platforma, kter\u00e1 spojuje \u017eadatele o p\u016fj\u010dku se soukrom\u00fdmi osobami <\/strong>s voln\u00fdm kapit\u00e1lem a \u00famyslem investovat sv\u00e9 pen\u00edze d\u00e1l.<\/p>\n\n\n\n V sou\u010dasnosti jsou na \u010desk\u00e9m trhu nejpopul\u00e1rn\u011bj\u0161\u00edmi P2P platformami: Zonky<\/a> nebo \u017dlut\u00fd meloun.<\/a><\/p>\n\n\n\n Jedn\u00e1 se o jeden z druh\u016f nebankovn\u00edch p\u016fj\u010dek. Jak jsme ji\u017e zmi\u0148ovali n\u011bkter\u00e9 ze spole\u010dnost\u00ed p\u016fsob\u00edc\u00edch na \u010desk\u00e9m trhu jsou ochotny p\u016fj\u010dit v\u00e1m ur\u010dit\u00fd finan\u010dn\u00ed obnos i v p\u0159\u00edpad\u011b, \u017ee va\u0161e jm\u00e9no figuruje v jednom z registr\u016f.<\/strong><\/p>\n\n\n\n P\u0159esto\u017ee si lid\u00e9 mysl\u00ed, \u017ee t\u00edm p\u00e1dem pro n\u011b \u0161ance na z\u00edsk\u00e1n\u00ed p\u016fj\u010dky neexistuje a nav\u00edc z\u00e1kon ukl\u00e1d\u00e1 povinnost do registr\u016f u p\u016fj\u010dek nahl\u00ed\u017eet, <\/strong>\u0161ance na p\u016fj\u010dku zde je.<\/p>\n\n\n\n A tedy nach\u00e1z\u00edte-li se v jednom z registr\u016f dlu\u017en\u00edk\u016f<\/a> a pot\u0159ebujete si p\u016fj\u010dit pen\u00edze, nev\u011b\u0161te hlavu. St\u00e1le je zde mo\u017enost, \u017ee v\u00e1m n\u011bkde p\u016fj\u010d\u00ed.<\/p>\n\n\n\n Dal\u0161\u00ed dostupn\u00e1 p\u016fj\u010dka je ta bez dolo\u017een\u00ed p\u0159\u00edjmu. <\/a>Ne ka\u017ed\u00fd toti\u017e m\u00e1 pravideln\u00fd p\u0159\u00edjem, kter\u00fd je schopen prok\u00e1zat a tak se m\u016f\u017ee zd\u00e1t, \u017ee dve\u0159e k p\u016fj\u010dce \u010di \u00fav\u011bru jsou pro n\u011bj nadobro zav\u0159en\u00e9. <\/p>\n\n\n\n Chcete-li po\u017e\u00e1dat o p\u016fj\u010dku bez dolo\u017een\u00ed p\u0159\u00edjmu v bance, ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f plat\u00ed, \u017ee m\u00e1te 2 mo\u017enosti.<\/strong><\/p>\n\n\n\n Bu\u010f v\u00e1m banky nab\u00eddnou kontokorent<\/a>. \u0158e\u010deno lidskou \u0159e\u010d\u00ed, v\u00e1\u0161 b\u011b\u017en\u00fd bankovn\u00ed \u00fa\u010det dostane povoleno p\u0159e\u010derp\u00e1n\u00ed.<\/p>\n\n\n\n Pokud na n\u011bm m\u00e1te kladn\u00fd z\u016fstatek, jedn\u00e1 se o b\u011b\u017en\u00fd \u00fa\u010det. Pokud se dostanete do minusu, u\u017e \u010derp\u00e1te kontokorektn\u00ed \u00fav\u011br. V\u00e1\u0161 \u00fa\u010det se tak st\u00e1v\u00e1 \u00fav\u011brov\u00fdm \u00fa\u010dtem.<\/p>\n\n\n\n Dal\u0161\u00ed mo\u017enost je obr\u00e1tit se na nebankovn\u00ed spole\u010dnosti, kter\u00e9 jsou v\u016f\u010di klient\u016fm \u010dasto benevolentn\u011bj\u0161\u00ed <\/strong>ne\u017e banky a jejich \u00fav\u011brov\u00e1 hodnocen\u00ed nejsou tak p\u0159\u00edsn\u00e1.<\/p>\n\n\n\n P\u0159ipravte se na m\u00edrn\u011b vy\u0161\u0161\u00ed \u00faroky a mo\u017enost p\u016fj\u010dit si ni\u017e\u0161\u00ed obnos pen\u011bz. Pokud v\u0161ak pot\u0159ebujete p\u0159eklenout kr\u00e1tkodob\u00e9 finan\u010dn\u00ed probl\u00e9my<\/strong> a jste v situaci, kdy si nem\u016f\u017eete dovolit dokl\u00e1dat sv\u016fj p\u0159\u00edjem, je tato p\u016fj\u010dka dobrou alternativou.<\/p>\n\n\n\n Jde o pom\u011brn\u011b nov\u00e9, ale mimo\u0159\u00e1dn\u011b obl\u00edben\u00e9 \u00fav\u011brov\u00e9 produkty, kter\u00e9 by n\u00e1m p\u0159i spr\u00e1vn\u00e9m nastaven\u00ed m\u011bly usnadnit spl\u00e1cen\u00ed na\u0161ich dosavadn\u00edch finan\u010dn\u00edch z\u00e1vazk\u016f.<\/strong><\/p>\n\n\n\n Prost\u0159ednictv\u00edm refinan\u010dn\u00edch<\/a> a konsolida\u010dn\u00edch<\/a> p\u016fj\u010dek m\u016f\u017eeme efektivn\u011b sni\u017eovat m\u011bs\u00ed\u010dn\u00ed v\u00fddaje, <\/strong>dostat se k lep\u0161\u00edm \u00farok\u016fm, ni\u017e\u0161\u00ed spl\u00e1tce a spojit v\u00edce nev\u00fdhodn\u00fdch \u00fav\u011br\u016f do jednoho velk\u00e9ho \u00fav\u011bru.<\/p>\n\n\n\n I kdy\u017e se na prvn\u00ed pohled m\u016f\u017ee zd\u00e1t, \u017ee n\u00e1hrada v\u00edce finan\u010dn\u00edch produkt\u016f jedn\u00edm nen\u00ed nej\u0161\u0165astn\u011bj\u0161\u00ed a nejchyt\u0159ej\u0161\u00ed \u0159e\u0161en\u00ed, opak je pravdou.<\/p>\n\n\n\n U refinan\u010dn\u00edho nebo konsolida\u010dn\u00edho \u00fav\u011bru se um\u00edte dostat na \u00farove\u0148 snesiteln\u00fdch a n\u00edzk\u00fdch m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek<\/strong> na del\u0161\u00ed \u010dasov\u00e9 obdob\u00ed, \u010dili v kone\u010dn\u00e9m d\u016fsledku zaplat\u00edte mnohem m\u00e9n\u011b, ne\u017e kdy\u017e si ponech\u00e1te sv\u00e9 star\u00e9 \u00fav\u011bry, kter\u00e9 v\u00e1m p\u0159er\u016fstaj\u00ed p\u0159es hlavu.<\/p>\n\n\n\n Je n\u00e1m jasn\u00e9, \u017ee vyu\u017e\u00edv\u00e1te online porovn\u00e1va\u010de s c\u00edlem vybrat tu nejlep\u0161\u00ed online p\u016fj\u010dku, kter\u00e1 bude p\u0159esn\u011b podle va\u0161ich pot\u0159eb. Existuje n\u011bkolik zp\u016fsob\u016f, jak takovou vybrat. <\/p>\n\n\n\n Ve Financer.com jsme pro v\u00e1s shrnuli n\u011bkolik bod\u016f, na kter\u00e9 je dobr\u00e9 se p\u0159i v\u00fdb\u011bru p\u016fj\u010dky zam\u011b\u0159it.<\/p>\n\n\n\n Co je p\u016fj\u010dka online? P\u016fj\u010dka online je finan\u010dn\u00ed produkt, kter\u00fd umo\u017e\u0148uje jednotlivc\u016fm nebo dokonce podnik\u016fm p\u016fj\u010dit si pen\u00edze p\u0159es internet.\u2026 <\/p>\n","protected":false},"author":90,"featured_media":7582,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-main-category.php","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,"footnotes":""},"categories":[],"tags":[],"_links":{"self":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/pages\/1845"}],"collection":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/users\/90"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/comments?post=1845"}],"version-history":[{"count":50,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/pages\/1845\/revisions"}],"predecessor-version":[{"id":51533,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/pages\/1845\/revisions\/51533"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/media\/7582"}],"wp:attachment":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/media?parent=1845"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/categories?post=1845"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/tags?post=1845"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Pro\u010d srovn\u00e1vat p\u016fj\u010dky online?<\/h2>\n\n\n\n
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Bankovn\u00ed p\u016fj\u010dka online<\/h2>\n\n\n\n
Nebankovn\u00ed p\u016fj\u010dka online<\/h2>\n\n\n\n
Spot\u0159ebitelsk\u00fd \u00fav\u011br<\/h2>\n\n\n\n
Rychl\u00e9 p\u016fj\u010dky<\/h2>\n\n\n\n
P2P p\u016fj\u010dky<\/h2>\n\n\n\n
P\u016fj\u010dky pro probl\u00e9mov\u00e9 klienty<\/h2>\n\n\n\n
P\u016fj\u010dky bez dolo\u017een\u00ed p\u0159\u00edjmu<\/h2>\n\n\n\n
P\u016fj\u010dky na refinancov\u00e1n\u00ed<\/h2>\n\n\n\n
Jak vybrat nejlep\u0161\u00ed online p\u016fj\u010dku?<\/h2>\n\n\n\n
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