[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.marienbad-thc.cz\/je-dobre-brat-si-pujcky-ktere-nabizi-nebankovni-spolecnost\/#Article","mainEntityOfPage":"https:\/\/www.marienbad-thc.cz\/je-dobre-brat-si-pujcky-ktere-nabizi-nebankovni-spolecnost\/","headline":"Je dobr\u00e9 br\u00e1t si p\u016fj\u010dky, kter\u00e9 nab\u00edz\u00ed nebankovn\u00ed spole\u010dnost?","name":"Je dobr\u00e9 br\u00e1t si p\u016fj\u010dky, kter\u00e9 nab\u00edz\u00ed nebankovn\u00ed spole\u010dnost?","description":"Pokud se ocitneme v situaci, kdy pot\u0159ebujeme p\u016fj\u010dku, m\u00e1me v praxi dv\u011b mo\u017enosti. Bu\u010f se obr\u00e1tit na banku, nebo si p\u016fj\u010dit u nebankovn\u00ed spole\u010dnosti. A\u010d se to mohou zd\u00e1t podobn\u00e9, mezi ob\u011bma mo\u017enostmi jsou pom\u011brn\u011b velk\u00e9 rozd\u00edly. Prvn\u00edm z nich je prov\u011brka klienta. Banky obvykle vy\u017eaduj\u00ed dolo\u017een\u00ed p\u0159\u00edjm\u016f, doklad o zam\u011bstn\u00e1n\u00ed a p\u0159\u00edpadn\u011b i ru\u010ditele. […]","datePublished":"2019-09-22","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.marienbad-thc.cz\/author\/#Person","name":"marienbad-thc.cz\n","url":"https:\/\/www.marienbad-thc.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c61c2d82e330ff9c70cf023b4c62d411e8407bcb38f85df591fa270717754b44?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c61c2d82e330ff9c70cf023b4c62d411e8407bcb38f85df591fa270717754b44?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"marienbad-thc.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.marienbad-thc.cz\/wp-content\/uploads\/img_a365815_w1939_t1578480671.jpg","url":"https:\/\/www.marienbad-thc.cz\/wp-content\/uploads\/img_a365815_w1939_t1578480671.jpg","height":0,"width":0},"url":"https:\/\/www.marienbad-thc.cz\/je-dobre-brat-si-pujcky-ktere-nabizi-nebankovni-spolecnost\/","about":["Pen\u00edze"],"wordCount":573,"articleBody":"       Pokud se ocitneme v situaci, kdy pot\u0159ebujeme p\u016fj\u010dku, m\u00e1me v praxi dv\u011b mo\u017enosti. Bu\u010f se obr\u00e1tit na banku, nebo si p\u016fj\u010dit u nebankovn\u00ed spole\u010dnosti. A\u010d se to mohou zd\u00e1t podobn\u00e9, mezi ob\u011bma mo\u017enostmi jsou pom\u011brn\u011b velk\u00e9 rozd\u00edly. Prvn\u00edm z nich je prov\u011brka klienta. Banky obvykle vy\u017eaduj\u00ed dolo\u017een\u00ed p\u0159\u00edjm\u016f, doklad o zam\u011bstn\u00e1n\u00ed a p\u0159\u00edpadn\u011b i ru\u010ditele. M\u016f\u017ee se to zd\u00e1t jako zbyte\u010dnost, m\u00e1 to v\u0161ak sv\u016fj \u00fa\u010del. T\u00edm je zajistit, aby dlu\u017en\u00edk byl schopn\u00fd p\u016fj\u010dku spl\u00e1cet. Je to d\u00e1no t\u00edm, \u017ee banka stoj\u00ed o to, aby se j\u00ed p\u016fj\u010den\u00e9 pen\u00edze vr\u00e1tily. U nebankovn\u00edch p\u016fj\u010dek na druhou stranu \u010dasto tyto v\u011bci nevy\u017eaduj\u00ed. Naopak jednou z jejich vlastnost\u00ed, kter\u00e9 zn\u00ed potenci\u00e1ln\u00edm klient\u016fm l\u00e1kav\u011b, je pr\u00e1v\u011b to, \u017ee p\u016fj\u010d\u00ed ka\u017ed\u00e9mu. M\u016f\u017eeme to sly\u0161et \u010dasto v reklam\u00e1ch, kde nab\u00edz\u00ed p\u016fj\u010dky bez dolo\u017een\u00ed p\u0159\u00edjmu i bez ru\u010ditele, a to s okam\u017eit\u00fdm schv\u00e1len\u00edm. Zd\u00e1 se to v\u00fdhodn\u00e9? M\u00e1 to v\u0161ak i stinnou str\u00e1nku. Tyto spole\u010dnosti obvykle nezaj\u00edm\u00e1, zda dok\u00e1\u017eete pen\u00edze splatit. Naopak, preferuj\u00ed, pokud z\u016fstanete dlu\u017eni. Pro\u010d? Proto\u017ee d\u00edky tomu v\u00e1m nar\u016fstaj\u00ed nejr\u016fzn\u011bj\u0161\u00ed \u00faroky, nap\u0159\u00edklad \u00farok z prodlen\u00ed. A nakonec p\u0159ijde exekutor, kter\u00fd zabav\u00ed majetek n\u011bkolikan\u00e1sobn\u00e9 hodnoty p\u016fj\u010dky, proto\u017ee na takovou \u010d\u00e1stku se cena zat\u00edm vy\u0161plhala. Je pravda, \u017ee chud\u00ed lid\u00e9 s n\u00edzk\u00fdm nebo prakticky \u017e\u00e1dn\u00fdm p\u0159\u00edjmem a n\u00edzk\u00fdm vzd\u011bl\u00e1n\u00edm si mysl\u00ed, \u017ee jim tyto p\u016fj\u010dky pomohou jejich finan\u010dn\u00ed situaci vy\u0159e\u0161it. Neuv\u011bdomuj\u00ed si v\u0161ak, \u017ee nebudou schopni danou \u010d\u00e1stku spl\u00e1cet. \u010casto se tedy pokou\u0161\u00ed \u0159e\u0161it sv\u016fj probl\u00e9m t\u00edm, \u017ee si vezmou druhou p\u016fj\u010dku, aby mohli splatit tu prvn\u00ed. T\u00edm se ov\u0161em dost\u00e1vaj\u00ed do st\u00e1le v\u011bt\u0161\u00edch probl\u00e9m\u016f, nebo\u0165 logicky druh\u00e1 p\u016fj\u010dka mus\u00ed b\u00fdt na vy\u0161\u0161\u00ed \u010d\u00e1stku. A kdy\u017e nejsou schopni splatit tu prvn\u00ed, jak budou schopni spl\u00e1cet tu druhou? P\u0159esto, nebo proto, je pro firmy jako nebankovn\u00ed spole\u010dnost Nebankovn\u00ed hypot\u00e9ky dne\u0161n\u00ed trh a konzumn\u00ed styl, kdy ka\u017ed\u00fd chce m\u00edt v\u0161e hned, i kdy\u017e na to zrovna nem\u00e1 pen\u00edze, ide\u00e1ln\u00ed. Obvykle c\u00edl\u00ed na soci\u00e1ln\u011b slab\u0161\u00ed vrstvu obyvatelstva s ni\u017e\u0161\u00edm vzd\u011bl\u00e1n\u00edm. Jak je vid\u011bt, p\u016fj\u010dky u nebankovn\u00edch spole\u010dnost\u00ed nejsou nakonec a\u017e tak v\u00fdhodn\u00e9, jak se zdaj\u00ed. Jak ale vy\u0159e\u0161it t\u00ed\u017eivou finan\u010dn\u00ed situaci? Nejlep\u0161\u00ed je samoz\u0159ejm\u011b takov\u00fdm ud\u00e1lostem p\u0159edch\u00e1zet t\u00edm, \u017ee si budeme udr\u017eovat ur\u010ditou finan\u010dn\u00ed rezervu pro p\u0159\u00edpady nenad\u00e1l\u00e9 nouze. Ne v\u0161ichni ale maj\u00ed na to, aby si tuto rezervu vytvo\u0159ili. Zde je \u0159e\u0161en\u00edm omezen\u00ed n\u00e1klad\u016f, tedy kupovat jen absolutn\u00ed nezbytnosti a vzd\u00e1t se v\u011bc\u00ed jakou jsou nap\u0159\u00edklad cigarety \u010di nov\u00e9 oble\u010den\u00ed. Jen tak je mo\u017en\u00e9 p\u0159ekonat t\u011b\u017ek\u00e9 obdob\u00ed a nespadnout do pasti, kter\u00e1 u\u017e je pro n\u00e1s p\u0159ipravena.                                                                                                                                                                                                                                                                                                                                                                                                  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