[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.meribel.cz\/proc-vsadit-na-nebankovniho-poskytovatele-uveru\/#Article","mainEntityOfPage":"https:\/\/www.meribel.cz\/proc-vsadit-na-nebankovniho-poskytovatele-uveru\/","headline":"Pro\u010d vsadit na nebankovn\u00edho poskytovatele \u00fav\u011br\u016f?","name":"Pro\u010d vsadit na nebankovn\u00edho poskytovatele \u00fav\u011br\u016f?","description":"Nebankovn\u00ed poskytovatel\u00e9 \u00fav\u011br\u016f jsou pro mnoh\u00e9 st\u00e1le zt\u011blesn\u011bn\u00edm ned\u016fv\u011bryhodnosti a p\u0159edra\u017een\u00fdch \u00fav\u011brov\u00fdch produkt\u016f, pro kter\u00fdch … ","datePublished":"2021-04-12","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.meribel.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.meribel.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/15c4177f6d86975c976af12ba80b10af7add2f97f8786f8cf1596253472c0ea7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/15c4177f6d86975c976af12ba80b10af7add2f97f8786f8cf1596253472c0ea7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"meribel.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.meribel.cz\/wp-content\/uploads\/%C5%BEena%20s%20po%C4%8D%C3%ADta%C4%8Dem_1.jpg","url":"https:\/\/www.meribel.cz\/wp-content\/uploads\/%C5%BEena%20s%20po%C4%8D%C3%ADta%C4%8Dem_1.jpg","height":0,"width":0},"url":"https:\/\/www.meribel.cz\/proc-vsadit-na-nebankovniho-poskytovatele-uveru\/","about":["Online"],"wordCount":396,"articleBody":"      Nebankovn\u00ed poskytovatel\u00e9 \u00fav\u011br\u016f jsou pro mnoh\u00e9 st\u00e1le zt\u011blesn\u011bn\u00edm ned\u016fv\u011bryhodnosti a p\u0159edra\u017een\u00fdch \u00fav\u011brov\u00fdch produkt\u016f, pro kter\u00fdch se vyplat\u00ed s\u00e1hnout a\u017e v p\u0159\u00edpad\u011b nejv\u011bt\u0161\u00ed nouze. My v\u00e1m ale p\u0159edstav\u00edme d\u016fvody, d\u00edky kter\u00fdm ve va\u0161ich o\u010d\u00edch nebankovn\u00ed poskytovatel\u00e9 zase stoupnou v cen\u011b. P\u016fj\u010dka vy\u0159\u00edzen\u00e1 v pohodl\u00ed domovaBankovn\u00ed p\u016fj\u010dku asi nen\u00ed pot\u0159eba n\u011bjak slo\u017eit\u011b p\u0159edstavovat, zn\u00e1me j\u00ed v\u0161ichni a je produktem v\u011bt\u0161iny na\u0161ich bank. I kdy\u017e se v posledn\u00ed dob\u011b slu\u017eby v\u011bt\u0161iny z nich velmi zmodernizovali, mo\u017en\u00e1 s ohledem na aktu\u00e1ln\u00ed situaci, p\u0159esto n\u011bkter\u00e9 \u00fakony je je\u0161t\u011b st\u00e1le zapot\u0159eb\u00ed vy\u0159izovat p\u0159\u00edmo na pobo\u010dce. Jedn\u00edm z takov\u00fdch \u00fakon\u016f je i sjedn\u00e1n\u00ed \u00fav\u011brov\u00e9ho produktu. A\u0165 u\u017e se jedn\u00e1 o b\u011b\u017en\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br nebo p\u0159\u00edmo o hypot\u00e9ku, je zapot\u0159eb\u00ed absolvovat pohovor v bance, vyjednat podm\u00ednky a n\u00e1sledn\u011b \u010dekat na vyj\u00e1d\u0159en\u00ed dan\u00e9 banky. Banky v\u0161ak po novele z\u00e1kona z roku 2020 op\u011btovn\u011b zp\u0159\u00edsnily n\u011bkter\u00e9 podm\u00ednky pro schv\u00e1len\u00ed \u00fav\u011bru. Zv\u00fd\u0161ilo se i procento \u017eadatel\u016f, kter\u00fdm jejich \u017e\u00e1dost byla zam\u00edtnuta. Za novelou z\u00e1kona stoj\u00ed \u010cesk\u00e1 n\u00e1rodn\u00ed banka, kter\u00e1 pravideln\u011b upravuje podm\u00ednky dle aktu\u00e1ln\u00ed ekonomick\u00e9 situace. Za zam\u00edtnut\u00fdm \u00fav\u011brem tak nestoj\u00ed neochota bank p\u016fj\u010dovat, ale slo\u017eit\u011b nastaven\u00e1 legislativa. Nebankovn\u00ed sektor je v tomto ohledu p\u0159eci jenom o n\u011bco sm\u00ed\u0159liv\u011bj\u0161\u00ed. \u017d\u00e1dost o \u00fav\u011br vy\u0159\u00edd\u00edte snadno i online. Sta\u010d\u00ed vyplnit p\u0159ilo\u017een\u00fd online formul\u00e1\u0159, navolit podm\u00ednky, p\u0159ilo\u017eit pot\u0159ebn\u00e9 dokumenty a pak jen \u010dekat na vyj\u00e1d\u0159en\u00ed ze strany poskytovatele. \u0158ada nebankovn\u00edch instituc\u00ed pracuje s automatick\u00fdm schvalovac\u00edm proces a v\u00fdsledek tak v\u00edte do p\u00e1r minut. Krom rychl\u00fdch spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f se za\u010daly nebankovn\u00ed spole\u010dnosti specializovat i na hypote\u010dn\u00ed \u00fav\u011bry. Jedn\u00edm z nich je hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjm\u016f a jak u\u017e z n\u00e1zvu vypl\u00fdv\u00e1, jej\u00ed \u017eadatel\u00e9 nemus\u00ed dokl\u00e1dat v\u00fd\u0161i sv\u00fdch p\u0159\u00edjmu, tak jak je tomu zvykem.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d vsadit na nebankovn\u00edho poskytovatele \u00fav\u011br\u016f?","item":"https:\/\/www.meribel.cz\/proc-vsadit-na-nebankovniho-poskytovatele-uveru\/#breadcrumbitem"}]}]