[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/druhy-pujcek\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/druhy-pujcek\/","headline":"Druhy p\u016fj\u010dek","name":"Druhy p\u016fj\u010dek","description":"Slovo p\u016fj\u010dka sl\u00fdch\u00e1me na ka\u017ed\u00e9m kroku. P\u016fj\u010dka rychle, expres, dlouhodob\u00e1, kr\u00e1tkodob\u00e1, bankovn\u00ed a nebankovn\u00ed, to v\u0161echno mohou b\u00fdt synonyma ke slovu p\u016fj\u010dka. Obezn\u00e1m\u00edme se tedy se z\u00e1kladn\u00ed charakteristikou. Kdy\u017e se \u0159ekne p\u016fj\u010dka, ka\u017ed\u00fd z\u00a0n\u00e1s si p\u0159edstav\u00ed, \u017ee pot\u0159ebuje pen\u00edze, u\u017e \u017e\u00e1dn\u00e9 nem\u00e1 a pot\u0159ebuje si p\u016fj\u010dit. A te\u010f od koho? Jednou z\u00a0mo\u017enost\u00ed je tedy bu\u010fto &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/druhy-pujcek\/\"> <span class=\"screen-reader-text\">Druhy p\u016fj\u010dek<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-18","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384303_4x3_20260815_171942_2Oy0S5.jpg","url":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384303_4x3_20260815_171942_2Oy0S5.jpg","height":0,"width":0},"url":"https:\/\/www.zerba.cz\/druhy-pujcek\/","about":["P\u016fj\u010dky"],"wordCount":482,"articleBody":"Slovo p\u016fj\u010dka sl\u00fdch\u00e1me na ka\u017ed\u00e9m kroku. P\u016fj\u010dka rychle, expres, dlouhodob\u00e1, kr\u00e1tkodob\u00e1, bankovn\u00ed a nebankovn\u00ed, to v\u0161echno mohou b\u00fdt synonyma ke slovu p\u016fj\u010dka. Obezn\u00e1m\u00edme se tedy se z\u00e1kladn\u00ed charakteristikou. Kdy\u017e se \u0159ekne p\u016fj\u010dka, ka\u017ed\u00fd z\u00a0n\u00e1s si p\u0159edstav\u00ed, \u017ee pot\u0159ebuje pen\u00edze, u\u017e \u017e\u00e1dn\u00e9 nem\u00e1 a pot\u0159ebuje si p\u016fj\u010dit. A te\u010f od koho? Jednou z\u00a0mo\u017enost\u00ed je tedy bu\u010fto od banky a dal\u0161\u00ed z\u00a0mo\u017enost\u00ed je od nebankovn\u00ed spole\u010dnosti, co\u017e zna\u010d\u00ed soukromou spole\u010dnost. V\u00a0dne\u0161n\u00ed dob\u011b je tedy spoustu druh\u016f na v\u00fdb\u011br, a to nejenom z\u00a0hlediska poskytovatel\u016f, ale tak\u00e9 z\u00a0hlediska prakti\u010dnosti, proto\u017ee existuje mnoho r\u016fzn\u00fdch druh\u016f. To si hned \u0159ekneme.\tZ\u00e1kladn\u00ed charakteristika a roz\u010dlen\u011bn\u00edJedno z\u00a0roz\u010dlen\u011bn\u00ed p\u016fj\u010dek m\u016f\u017ee b\u00fdt podle ji\u017e zm\u00edn\u011bn\u00e9ho poskytovatele. M\u016f\u017ee se tedy jednat o bankovn\u00ed, nebankovn\u00ed \u010di P2P.Bankovn\u00ed \u2013 samoz\u0159ejm\u011b ji poskytuj\u00ed banky.Nebankovn\u00ed \u2013 poskytuj\u00ed soukrom\u00e9 spole\u010dnosti.P2P \u2013 dal\u0161\u00ed z\u00a0mo\u017enost\u00ed, kterou v\u00a0t\u00e9to sekci mus\u00edme zm\u00ednit je P2P p\u016fj\u010dka neboli peer to peer lending, tedy p\u016fj\u010dka poskytnut\u00e1 od soukrom\u00e9 osoby \u010dili p\u0159\u00edmo od n\u011bjak\u00e9ho \u010dlov\u011bka tomu, kdo o ni \u017e\u00e1d\u00e1. Jist\u011b si vybav\u00edte n\u011bkter\u00e9 podobn\u00e9 spole\u010dnosti, kter\u00e9 p\u016fj\u010duj\u00ed od lid\u00ed, p\u0159\u00edmo lidem, co\u017e zna\u010d\u00ed v\u00a0p\u0159ekladu zkratka tohoto slova. Lid\u00e9 mezi sebou p\u0159\u00edmo uzav\u00edraj\u00ed smlouvy. N\u011bkter\u00e9 spole\u010dnosti mohou fungovat i t\u00edmto zp\u016fsobem.\u00a0Kdy\u017e se \u0159ekne p\u016fj\u010dka, v\u011bt\u0161inou si vybav\u00edme spot\u0159ebitelsk\u00fd \u00fav\u011br, co\u017e je v\u00a0podstat\u011b z\u00e1kladn\u00ed druh p\u016fj\u010dky. V\u00a0t\u00e9to oblasti se tedy budeme bavit o dal\u0161\u00edm rozd\u011blen\u00ed spot\u0159ebitelsk\u00e9ho \u00fav\u011bru, a to na \u00fa\u010delov\u00fd a ne\u00fa\u010delov\u00fd.\u00da\u010delov\u00e9 \u2013 maj\u00ed konkr\u00e9tn\u00ed \u00fa\u010del, na co pen\u00edze pou\u017eijete. Za \u00fa\u010delov\u00e9 se \u010dasto pova\u017euj\u00ed \u00fav\u011bry, kdy si berete spoustu pen\u011bz a ty n\u00e1sledn\u011b vlo\u017e\u00edte nap\u0159\u00edklad do bydlen\u00ed, hojn\u011b vyu\u017e\u00edvan\u00fdm p\u0159\u00edkladem je hypot\u00e9ka. \u00da\u010delov\u00fd \u00fav\u011br tedy nese \u00fa\u010del, na co n\u00e1sledn\u011b pen\u00edze pou\u017eijete. M\u016f\u017eete je v\u0161ak pou\u017e\u00edt i na koupi automobilu nebo na dovolenou.Ne\u00fa\u010delov\u00e9 \u2013 v\u00a0tomto p\u0159\u00edpad\u011b nemus\u00edte uv\u00e1d\u011bt, na co pen\u00edze pou\u017eijete. M\u016f\u017eete s\u00a0nimi libovoln\u011b nakl\u00e1dat, podle sv\u00e9ho vlastn\u00edho uv\u00e1\u017een\u00ed, ani\u017e byste n\u011bkomu museli sd\u011blovat, na co pen\u00edze pou\u017eijete.Vrhneme se na dal\u0161\u00ed \u010dlen\u011bn\u00ed p\u016fj\u010dek:Studentsk\u00e9, na mate\u0159sk\u00e9, na d\u016fchodu, expres, rychl\u00e9, sms, p\u0159ed v\u00fdplatou, finsk\u00e9, mini, online, dlouhodob\u00e9, kr\u00e1tkodob\u00e9, a\u017e do domu, podnikatelsk\u00e9 a mnoh\u00e9 dal\u0161\u00ed.\t                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Druhy p\u016fj\u010dek","item":"https:\/\/www.zerba.cz\/druhy-pujcek\/#breadcrumbitem"}]}]