[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.clzt.cz\/vyhody-nebankovnich-spolecnosti-znate-je\/#Article","mainEntityOfPage":"https:\/\/www.clzt.cz\/vyhody-nebankovnich-spolecnosti-znate-je\/","headline":"V\u00fdhody nebankovn\u00edch spole\u010dnost\u00ed: Zn\u00e1te je?","name":"V\u00fdhody nebankovn\u00edch spole\u010dnost\u00ed: Zn\u00e1te je?","description":"Nebankovn\u00ed spole\u010dnosti jsou pro mnoh\u00e9 p\u0159edzv\u011bst vynalo\u017een\u00fdch financ\u00ed nav\u00edc a skryt\u00fdch podm\u00ednek. Pro jin\u00e9 zase znamenaj\u00ed jedinou z\u00e1chranou stanici na cest\u011b p\u0159ed krachem. Tak jak\u00e1 je skute\u010dnost? V p\u0159\u00edpad\u011b kdy se ocitneme v t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situaci, jsou to pr\u00e1v\u011b bankovn\u00ed subjekty, kter\u00e9 by n\u00e1m m\u011bly um\u011bt pomoci. S velkou ochotou se ale v takov\u00e9m p\u0159\u00edpad\u011b […]","datePublished":"2021-04-17","dateModified":"2023-05-31","author":{"@type":"Person","@id":"https:\/\/www.clzt.cz\/author\/#Person","name":"","url":"https:\/\/www.clzt.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/59b0e4716b6bc16861d789b0eb3efe04cb591482277f92a016ec4356fe735210?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/59b0e4716b6bc16861d789b0eb3efe04cb591482277f92a016ec4356fe735210?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"clzt.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.clzt.cz\/wp-content\/uploads\/jedn%C3%A1n%C3%AD%20v%20bance_6.jpg","url":"https:\/\/www.clzt.cz\/wp-content\/uploads\/jedn%C3%A1n%C3%AD%20v%20bance_6.jpg","height":0,"width":0},"url":"https:\/\/www.clzt.cz\/vyhody-nebankovnich-spolecnosti-znate-je\/","about":["Web"],"wordCount":386,"articleBody":"   Nebankovn\u00ed spole\u010dnosti jsou pro mnoh\u00e9 p\u0159edzv\u011bst vynalo\u017een\u00fdch financ\u00ed nav\u00edc a skryt\u00fdch podm\u00ednek. Pro jin\u00e9 zase znamenaj\u00ed jedinou z\u00e1chranou stanici na cest\u011b p\u0159ed krachem. Tak jak\u00e1 je skute\u010dnost? V p\u0159\u00edpad\u011b kdy se ocitneme v t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situaci, jsou to pr\u00e1v\u011b bankovn\u00ed subjekty, kter\u00e9 by n\u00e1m m\u011bly um\u011bt pomoci. S velkou ochotou se ale v takov\u00e9m p\u0159\u00edpad\u011b po\u010d\u00edtat ned\u00e1. Jsou tu v\u0161ak je\u0161t\u011b nebankovn\u00ed subjekty, kter\u00e9 nab\u00edz\u00ed sv\u00e9 \u00fav\u011brov\u00e9 produkty dostupn\u00e9 v\u0161em. Pokud v\u00e1s neo\u010dek\u00e1van\u011b p\u0159ekvap\u00ed v\u00fddaje nav\u00edc nebo pot\u0159ebujete p\u0159ekr\u00fdt dobu do dal\u0161\u00ed v\u00fdplaty, tak jsou to pr\u00e1v\u011b nebankovn\u00ed spole\u010dnosti, kter\u00e9 v\u00e1m tento probl\u00e9m pomohou vy\u0159e\u0161it za pomoci spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. Ano, jsou to toti\u017e rychl\u00e9 spot\u0159ebitelsk\u00e9 \u00fav\u011bry, na kter\u00e9 se nebankovn\u00ed spole\u010dnosti specializuj\u00ed. \u0158ada z nich ale tou\u017e\u00ed konkurovat bank\u00e1m st\u00e1le v\u00edce a p\u0159ich\u00e1z\u00ed na trh i s hypote\u010dn\u00edmi \u00fav\u011bry, nebankovn\u00ed americk\u00e1 hypot\u00e9ka Nebankovni-hypoteky-uvery.cz je jedn\u00edm z nich.  Bez zbyte\u010dn\u00e9 byrokracie a pap\u00edrov\u00e1n\u00edNen\u00ed \u017e\u00e1dn\u00fdm tajemstv\u00edm, \u017ee banky ke ka\u017ed\u00e9 \u017e\u00e1dosti p\u0159istupuj\u00ed individu\u00e1ln\u011b. Co\u017e m\u016f\u017ee b\u00fdt velmi zdlouhav\u00e9. Ur\u010dit\u011b tak nepo\u010d\u00edtejte s t\u00edm, \u017ee \u00fav\u011br v bance vy\u0159\u00edd\u00edte na po\u010dk\u00e1n\u00ed. I kdyby banky cht\u011bl nab\u00eddnout \u00fav\u011br \u017eadateli okam\u017eit\u011b, slo\u017eit\u00e1 legislativa \u010cesk\u00e9 n\u00e1rodn\u00ed banky jim to bohu\u017eel neumo\u017en\u00ed. Po novele z\u00e1kona z dubna 2020, kter\u00e1 reagovala na aktu\u00e1ln\u00ed koronavirovou krizi, se tak\u00e9 je\u0161t\u011b zp\u0159\u00edsnily n\u011bkter\u00e9 podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011br\u016f. Za odm\u00edtnutou \u017e\u00e1dost\u00ed tak mnohdy stoj\u00ed slo\u017eit\u00e1 legislativa a ne neochota bank. Nebankovn\u00ed spole\u010dnosti jsou v tomto ohledu je\u0161t\u011b st\u00e1le ke sv\u00fdm \u017eadatel\u016fm vst\u0159\u00edcn\u00ed. U spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f je mo\u017en\u00e9 za\u017e\u00e1dat i online, hypote\u010dn\u00ed \u00fav\u011bry jsou zpracov\u00e1ny b\u011bhem n\u011bkolika dn\u00ed. V\u0161e je rychl\u00e9, bez zbyte\u010dn\u00e9ho pap\u00edrov\u00e1n\u00ed a tolik opovrhovan\u00e9 byrokracie. V p\u0159\u00edpad\u011b, kdy \u017eadatel neusp\u011bje v bance, je\u0161t\u011b nen\u00ed nic ztraceno.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V\u00fdhody nebankovn\u00edch spole\u010dnost\u00ed: Zn\u00e1te je?","item":"https:\/\/www.clzt.cz\/vyhody-nebankovnich-spolecnosti-znate-je\/#breadcrumbitem"}]}]