[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/nebankovni-spolecnosti-co-jsou-vlastne-zac\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/nebankovni-spolecnosti-co-jsou-vlastne-zac\/","headline":"Nebankovn\u00ed spole\u010dnosti: Co jsou vlastn\u011b za\u010d?","name":"Nebankovn\u00ed spole\u010dnosti: Co jsou vlastn\u011b za\u010d?","description":"Co pot\u0159ebujete v\u011bd\u011bt o nebankovn\u00edch spole\u010dnostech? Jedn\u00edm z&nbsp;nej\u010dast\u011bj\u0161\u00edch m\u00fdt\u016f, kter\u00e9mu v\u011b\u0159\u00ed dokonce i n\u011bkte\u0159\u00ed majitel\u00e9 nebankovn\u00edch spole\u010dnost\u00ed, je, \u017ee nebankovn\u00ed spole\u010dnosti nepot\u0159ebuj\u00ed licenci od centr\u00e1ln\u00ed banky, neboli \u010cesk\u00e9 n\u00e1rodn\u00ed banky. To platilo p\u0159ed rokem 2016, ale od 1. prosince toho roku za\u010dalo platit na\u0159\u00edzen\u00ed, kter\u00e9 ukl\u00e1d\u00e1 v\u0161em subjekt\u016fm, kter\u00e9 cht\u011bj\u00ed poskytovat p\u016fj\u010dky, povinnost si licenci &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/nebankovni-spolecnosti-co-jsou-vlastne-zac\/\"> <span class=\"screen-reader-text\">Nebankovn\u00ed spole\u010dnosti: Co jsou vlastn\u011b za\u010d?<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2017-10-02","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:\/\/zerba.cz\/wp-content\/uploads\/img_a302328_w2264_t1512213616.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a302328_w2264_t1512213616.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/nebankovni-spolecnosti-co-jsou-vlastne-zac\/","about":["Finan\u010dn\u00ed spole\u010dnosti"],"wordCount":720,"articleBody":"\tCo pot\u0159ebujete v\u011bd\u011bt o nebankovn\u00edch spole\u010dnostech? \tJedn\u00edm z&nbsp;nej\u010dast\u011bj\u0161\u00edch m\u00fdt\u016f, kter\u00e9mu v\u011b\u0159\u00ed dokonce i n\u011bkte\u0159\u00ed majitel\u00e9 nebankovn\u00edch spole\u010dnost\u00ed, je, \u017ee nebankovn\u00ed spole\u010dnosti nepot\u0159ebuj\u00ed licenci od centr\u00e1ln\u00ed banky, neboli \u010cesk\u00e9 n\u00e1rodn\u00ed banky. To platilo p\u0159ed rokem 2016, ale od 1. prosince toho roku za\u010dalo platit na\u0159\u00edzen\u00ed, kter\u00e9 ukl\u00e1d\u00e1 v\u0161em subjekt\u016fm, kter\u00e9 cht\u011bj\u00ed poskytovat p\u016fj\u010dky, povinnost si licenci obstarat. To z\u00e1rove\u0148 znamen\u00e1, \u017ee nebankovn\u00ed subjekt mus\u00ed prov\u011b\u0159it finan\u010dn\u00ed situaci \u017eadatele o p\u016fj\u010dku, a tak\u00e9 mu mus\u00ed poskytnout v\u0161echny informace o finan\u010dn\u00edch n\u00e1kladech s&nbsp;p\u016fj\u010dkou spojen\u00fdch. V\u00fdhodou pro potenci\u00e1ln\u00edho dlu\u017en\u00edka je \t&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; povinnost poskytovatele nechat \u017eadateli 14 dn\u00ed na rozmy\u0161lenou od zasl\u00e1n\u00ed nab\u00eddky \t&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; pr\u00e1vo splatit ka\u017ed\u00fd rok a\u017e 25% \u00fav\u011bru \t\tDlu\u017en\u00edk je tak\u00e9 l\u00e9pe chr\u00e1n\u011bn pro p\u0159\u00edpad, \u017ee nebude schopen p\u016fj\u010dku spl\u00e1cet. St\u00e1le ov\u0161em plat\u00ed, \u017ee r\u016fzn\u00e9 nebankovn\u00ed spole\u010dnosti si &bdquo;povinnost prov\u011b\u0159it finan\u010dn\u00ed mo\u017enosti \u017eadatele&ldquo;, vykl\u00e1d\u00e1 r\u016fzn\u011b, a tak\u00e9 plat\u00ed, \u017ee nebankovn\u00edm dom\u016fm obvykle nemus\u00edte ukazovat trestn\u00ed rejst\u0159\u00edk a nezkoumaj\u00ed registr dlu\u017en\u00edk\u016f. Ruku v&nbsp;ruce s&nbsp;t\u011bmito v\u00fdhodami se ale zkomplikovalo z\u00edsk\u00e1n\u00ed dokonce i drobn\u00fdch \u00fav\u011br\u016f. Nav\u00edc zde panuje obava, \u017ee spole\u010dnosti, kter\u00e9 licenci nez\u00edskaj\u00ed, se p\u0159esunou do ilegality a budou se zam\u011b\u0159ovat na lichvu, tedy p\u016fj\u010dky s&nbsp;p\u0159ehnan\u011b vysok\u00fdmi \u00faroky. Ka\u017edop\u00e1dn\u011b plat\u00ed, \u017ee pokud si chcete vy\u0159\u00eddit nebankovn\u00ed p\u016fj\u010dku, vod\u00edtkem v\u00e1m m\u016f\u017ee b\u00fdt \u010dlenstv\u00ed nebankovn\u00ed spole\u010dnosti v&nbsp;\u010cesk\u00e9 leasingov\u00e9 a finan\u010dn\u00ed asociaci. \u010clenstv\u00edm v&nbsp;t\u00e9to asociaci se spole\u010dnosti zavazuj\u00ed respektovat z\u00e1sady etick\u00e9ho podnik\u00e1n\u00ed a pr\u00e1vn\u00ed \u0159\u00e1d ve v\u0161ech jeho podob\u00e1ch. \t&nbsp;\tNe\u017e si nebankovn\u00ed p\u016fj\u010dku vezmete \tNavzdory \u0161patn\u00e9 reputaci, nebankovn\u00ed p\u016fj\u010dky mohou b\u00fdt v\u00edce ne\u017e p\u0159ijateln\u00fdm \u0159e\u0161en\u00edm zejm\u00e9na pro takzvan\u00e9 mikrop\u016fj\u010dky, tedy situace, kdy pot\u0159ebujete poskytnou men\u0161\u00ed mno\u017estv\u00ed pen\u011bz. Konkurence na trhu tla\u010d\u00ed firmy k&nbsp;tomu, \u017ee n\u011bkter\u00e9 mikro\u00fav\u011bry u nebankovn\u00edch spole\u010dnost\u00ed jsou v\u00fdhodn\u011bj\u0161\u00ed ne\u017e srovnateln\u00e9 \u00fav\u011bry u b\u011b\u017en\u00fdch bank. I tak ale st\u00e1le plat\u00ed, \u017ee byste se m\u011bli m\u00edt velmi, velmi na pozoru, a d\u016fkladn\u011b si pro\u010d\u00edst podm\u00ednky smlouvy, zejm\u00e9na \u010d\u00e1sti o p\u0159ed\u010dasn\u00e9m splacen\u00ed a sankc\u00edch za pozdn\u00ed spl\u00e1tky. Probl\u00e9mem, zejm\u00e9na u mikrop\u016fj\u010dek, je, \u017ee \u010dlov\u011bk pot\u0159ebuje pen\u00edze rychle. I tak byste si ale m\u011bli nechat alespo\u0148 p\u00e1r dn\u00ed na rozmy\u0161lenou, a nenechat se do ni\u010deho tla\u010dit. Pokud na v\u00e1s spole\u010dnost s&nbsp;podpisem nal\u00e9h\u00e1, je to \u0161patn\u00e9 znamen\u00ed, a sign\u00e1l, \u017ee byste se m\u011bli poohl\u00e9dnout po jin\u00e9m zprost\u0159edkovateli.&nbsp;&nbsp;&nbsp;&nbsp; \t&nbsp;\tVy\u0159\u00edzen\u00ed, vyplacen\u00ed a splacen\u00ed p\u016fj\u010dky \tNejv\u011bt\u0161\u00ed v\u00fdhodou nebankovn\u00edch p\u016fj\u010dek je jejich snadn\u00e9 vy\u0159\u00edzen\u00ed. P\u016fj\u010dky se obvykle daj\u00ed vy\u0159\u00eddit b\u011bhem n\u011bkolika minut p\u0159es internet, nebo dokonce i za pomoci mobiln\u00edho telefonu, a pen\u00edze m\u00e1te do druh\u00e9ho dne. K&nbsp;jej\u00edmu z\u00edsk\u00e1n\u00ed budete pot\u0159ebovat bankovn\u00ed \u00fa\u010det, na kter\u00fd v\u00e1m banka pen\u00edze vyplat\u00ed. Pokud jde o splacen\u00ed, tak bude z\u00e1le\u017eet na tom, o jak\u00fd typ p\u016fj\u010dky se jedn\u00e1. Mikrop\u016fj\u010dky se v\u011bt\u0161inou spl\u00e1cej\u00ed jednor\u00e1zov\u011b, p\u016fj\u010dky st\u0159edn\u00ed velikosti se spl\u00e1cej\u00ed v&nbsp;n\u011bkolika spl\u00e1tk\u00e1ch, a nebankovn\u00ed americk\u00e9 hypot\u00e9ky se spl\u00e1cej\u00ed podobn\u011b jako standartn\u00ed hypot\u00e9ky, ale v\u017edy se ru\u010d\u00ed nemovitost\u00ed a \u00farok je vy\u0161\u0161\u00ed. Op\u011bt p\u0159ipom\u00edn\u00e1me, \u017ee je nutn\u00e9 si opravdu d\u016fkladn\u011b prostudovat podm\u00ednky splacen\u00ed, abyste neplatili zbyte\u010dn\u011b vysok\u00e9 \u010d\u00e1stky.                                                                                                                                                                                                                                                                                                                                                                                                 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