[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.yys.cz\/nebankovni-spolecnosti-a-jejich-spotrebitelske-uvery\/#Article","mainEntityOfPage":"https:\/\/www.yys.cz\/nebankovni-spolecnosti-a-jejich-spotrebitelske-uvery\/","headline":"Nebankovn\u00ed spole\u010dnosti a jejich spot\u0159ebitelsk\u00e9 \u00fav\u011bry","name":"Nebankovn\u00ed spole\u010dnosti a jejich spot\u0159ebitelsk\u00e9 \u00fav\u011bry","description":"Spot\u0159ebitelsk\u00fd \u00fav\u011br asi nen\u00ed zapot\u0159eb\u00ed nijak dlouze p\u0159edstavovat, je produktem v\u011bt\u0161iny na\u0161ich bank. Na trhu je v sou\u010dasn\u00e9 dob\u011b p\u0159ebytek likvidity a banky se doslova p\u0159etahuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta. Proti nim ale stoj\u00ed slo\u017eit\u00e1 legislativa, d\u00edky kter\u00e9 nedos\u00e1hne na \u00fav\u011br ka\u017ed\u00fd. Z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru je pravideln\u011b novelizov\u00e1n \u010ceskou n\u00e1rodn\u00ed bankou. Z\u00e1konem stanoven\u00e9 podm\u00ednky […]","datePublished":"2021-10-22","dateModified":"2021-10-22","author":{"@type":"Person","@id":"https:\/\/www.yys.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.yys.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/13dbcc20b7c05fcb5c4a6b0bee5a7107a0aae9238a83a4088a42d170780b2eca?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/13dbcc20b7c05fcb5c4a6b0bee5a7107a0aae9238a83a4088a42d170780b2eca?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"yys.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.yys.cz\/wp-content\/uploads\/pexels-andrea-piacquadio-3760067%20(8).jpg","url":"https:\/\/www.yys.cz\/wp-content\/uploads\/pexels-andrea-piacquadio-3760067%20(8).jpg","height":0,"width":0},"url":"https:\/\/www.yys.cz\/nebankovni-spolecnosti-a-jejich-spotrebitelske-uvery\/","wordCount":408,"articleBody":"   Spot\u0159ebitelsk\u00fd \u00fav\u011br asi nen\u00ed zapot\u0159eb\u00ed nijak dlouze p\u0159edstavovat, je produktem v\u011bt\u0161iny na\u0161ich bank. Na trhu je v sou\u010dasn\u00e9 dob\u011b p\u0159ebytek likvidity a banky se doslova p\u0159etahuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta. Proti nim ale stoj\u00ed slo\u017eit\u00e1 legislativa, d\u00edky kter\u00e9 nedos\u00e1hne na \u00fav\u011br ka\u017ed\u00fd. Z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru je pravideln\u011b novelizov\u00e1n \u010ceskou n\u00e1rodn\u00ed bankou. Z\u00e1konem stanoven\u00e9 podm\u00ednky jsou mnohdy dopln\u011bny o ty jednotliv\u00fdch poskytovatel\u016f \u00fav\u011br\u016f. V\u00fdsledkem jsou \u00fav\u011brov\u00e9 produkty, na kter\u00e9 dos\u00e1hnou jen \u017eadatel\u00e9 s \u010dist\u00fdm finan\u010dn\u00edm \u0161t\u00edtem. Z\u00edskat \u00fav\u011br v bance m\u016f\u017ee m\u00edt pro rizikov\u00e9ho \u017eadatele velmi n\u00e1ro\u010dn\u00e9 a jeho \u017e\u00e1dost pov\u011bt\u0161inou kon\u010d\u00ed zam\u00edtnut\u00edm. Jinak tomu nen\u00ed ani v p\u0159\u00edpad\u011b exekuce \u010di jin\u00e9 finan\u010dn\u00ed t\u00edsn\u011b, kdy pot\u0159ebujeme m\u00edt pen\u00edze k dispozici co mo\u017en\u00e1 nejd\u0159\u00edve, ale banky n\u00e1m u\u017e odm\u00edtnou p\u016fj\u010dit. V\u011b\u0159te nebo ne, ale p\u016fj\u010dku s exekuc\u00ed je mo\u017en\u00e9 skute\u010dn\u011b z\u00edskat\u2026ale ne v bankovn\u00edm sektoru. Benevolentn\u011bj\u0161\u00ed podm\u00ednky pro ka\u017ed\u00e9ho Nebankovn\u00ed spole\u010dnosti jsou v p\u0159\u00edpad\u011b \u00fav\u011brov\u00fdch produkt p\u0159eci jenom benevolentn\u011bj\u0161\u00ed. Mnoho lid\u00ed na n\u011b vs\u00e1z\u00ed v p\u0159\u00edpad\u011b, kdy pot\u0159ebuje m\u00edt k dispozici pot\u0159ebn\u00fd finan\u010dn\u00ed obnos co mo\u017en\u00e1 nejd\u0159\u00edve. Spot\u0159ebitelsk\u00e9 \u00fav\u011bry od nebankovn\u00edch spole\u010dnost\u00ed tak snadno vykryj\u00ed ne\u010dekan\u00fd v\u00fddaj v dom\u00e1cnosti \u010di pomohou p\u0159eklenout dobu do dal\u0161\u00ed v\u00fdplaty. P\u016fj\u010dit si m\u016f\u017eete v \u0159\u00e1dek stovek korun, ale i statis\u00edc\u016f, v\u017edy z\u00e1le\u017e\u00ed na konkr\u00e9tn\u00edm v\u011b\u0159iteli. U nebankovn\u00edch p\u016fj\u010dek je ale zapot\u0159eb\u00ed po\u010d\u00edtat s vy\u0161\u0161\u00ed \u00farokovou sazbou, kter\u00e1 je pr\u00e1v\u011b dan\u00ed za benevolentn\u011bj\u0161\u00ed podm\u00ednky. N\u011bkte\u0159\u00ed v\u011b\u0159itel\u00e9 nav\u00edc umo\u017e\u0148uj\u00ed \u00fav\u011br i rizikov\u00fdm \u017eadatel\u016fm, ov\u0161em pouze za p\u0159edpokladu z\u00e1stavy nemovitosti. Ta m\u016f\u017ee v p\u0159\u00edpad\u011b dlu\u017en\u00edkovy neschopnosti spl\u00e1cet, propadnout v\u011b\u0159iteli. Ten m\u016f\u017ee n\u00e1sledn\u011b p\u0159ej\u00edt k prodeji dan\u00e9 nemovitosti. Nebankovn\u00ed \u00fav\u011bry se tak vyplat\u00ed pro \u017eadatele, kte\u0159\u00ed se ocitli ve finan\u010dn\u00ed t\u00edsni a bankovn\u00ed spole\u010dnosti jim u\u017e \u00fav\u011br neschv\u00e1l\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.5\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebankovn\u00ed spole\u010dnosti a jejich spot\u0159ebitelsk\u00e9 \u00fav\u011bry","item":"https:\/\/www.yys.cz\/nebankovni-spolecnosti-a-jejich-spotrebitelske-uvery\/#breadcrumbitem"}]}]