[{"@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&nbsp;n\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&nbsp;mo\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}},"url":"https:\/\/www.zerba.cz\/druhy-pujcek\/","about":["P\u016fj\u010dky"],"wordCount":502,"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&nbsp;n\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&nbsp;mo\u017enost\u00ed je tedy bu\u010fto od banky a dal\u0161\u00ed z&nbsp;mo\u017enost\u00ed je od nebankovn\u00ed spole\u010dnosti, co\u017e zna\u010d\u00ed soukromou spole\u010dnost. V&nbsp;dne\u0161n\u00ed dob\u011b je tedy spoustu druh\u016f na v\u00fdb\u011br, a to nejenom z&nbsp;hlediska poskytovatel\u016f, ale tak\u00e9 z&nbsp;hlediska 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&nbsp;roz\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 &ndash; samoz\u0159ejm\u011b ji poskytuj\u00ed banky.Nebankovn\u00ed &ndash; poskytuj\u00ed soukrom\u00e9 spole\u010dnosti.P2P &ndash; dal\u0161\u00ed z&nbsp;mo\u017enost\u00ed, kterou v&nbsp;t\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&nbsp;p\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.&nbsp;Kdy\u017e se \u0159ekne p\u016fj\u010dka, v\u011bt\u0161inou si vybav\u00edme spot\u0159ebitelsk\u00fd \u00fav\u011br, co\u017e je v&nbsp;podstat\u011b z\u00e1kladn\u00ed druh p\u016fj\u010dky. V&nbsp;t\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 &ndash; 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 &ndash; v&nbsp;tomto p\u0159\u00edpad\u011b nemus\u00edte uv\u00e1d\u011bt, na co pen\u00edze pou\u017eijete. M\u016f\u017eete s&nbsp;nimi 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.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Druhy p\u016fj\u010dek","item":"https:\/\/www.zerba.cz\/druhy-pujcek\/#breadcrumbitem"}]}]