[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/osobni-pujcka-a-uver\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/osobni-pujcka-a-uver\/","headline":"Osobn\u00ed p\u016fj\u010dka a \u00fav\u011br","name":"Osobn\u00ed p\u016fj\u010dka a \u00fav\u011br","description":"Finance pot\u0159ebujeme na b\u011b\u017en\u00e9 v\u00fddaje, na bydlen\u00ed, na spl\u00e1tky, na n\u011bco, co si p\u0159ejeme po\u0159\u00eddit. Osobn\u00ed p\u016fj\u010dky a \u00fav\u011bry se \u0159ad\u00ed mezi kr\u00e1tkodob\u00e9 p\u016fj\u010dky. Osobn\u00ed p\u016fj\u010dkou je tak\u00e9 \u010dasto naz\u00fdv\u00e1na rychl\u00e1 p\u016fj\u010dka. Jako zaj\u00edmavost m\u016f\u017eeme sd\u011blit, \u017ee v\u00a0roce 2016 byla ka\u017edou p\u00e1tou p\u016fj\u010dkou pr\u00e1v\u011b rychl\u00e1 \u2013 osobn\u00ed p\u016fj\u010dka. Osobn\u00ed p\u016fj\u010dka m\u016f\u017ee slou\u017eit k\u00a0n\u00e1kupu \u010di zaplacen\u00ed &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/osobni-pujcka-a-uver\/\"> <span class=\"screen-reader-text\">Osobn\u00ed p\u016fj\u010dka a \u00fav\u011br<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-24","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\/art384616_16x9_20260820_015547_GDWpjV.jpg","url":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384616_16x9_20260820_015547_GDWpjV.jpg","height":0,"width":0},"url":"https:\/\/www.zerba.cz\/osobni-pujcka-a-uver\/","about":["P\u016fj\u010dky"],"wordCount":444,"articleBody":"Finance pot\u0159ebujeme na b\u011b\u017en\u00e9 v\u00fddaje, na bydlen\u00ed, na spl\u00e1tky, na n\u011bco, co si p\u0159ejeme po\u0159\u00eddit. Osobn\u00ed p\u016fj\u010dky a \u00fav\u011bry se \u0159ad\u00ed mezi kr\u00e1tkodob\u00e9 p\u016fj\u010dky. Osobn\u00ed p\u016fj\u010dkou je tak\u00e9 \u010dasto naz\u00fdv\u00e1na rychl\u00e1 p\u016fj\u010dka. Jako zaj\u00edmavost m\u016f\u017eeme sd\u011blit, \u017ee v\u00a0roce 2016 byla ka\u017edou p\u00e1tou p\u016fj\u010dkou pr\u00e1v\u011b rychl\u00e1 \u2013 osobn\u00ed p\u016fj\u010dka. Osobn\u00ed p\u016fj\u010dka m\u016f\u017ee slou\u017eit k\u00a0n\u00e1kupu \u010di zaplacen\u00ed jak\u00fdchkoliv pot\u0159eb. Zpravidla neb\u00fdv\u00e1 v\u00e1z\u00e1na n\u011bjakou nemovitost\u00ed. V\u011bt\u0161inou se toti\u017e jedn\u00e1 o \u010d\u00e1stky od p\u00e1r set korun a\u017e po n\u011bkolik tis\u00edc maxim\u00e1ln\u011b des\u00edtek tis\u00edc korun. Osobn\u00ed \u00fav\u011br je tedy sp\u00ed\u0161e kr\u00e1tkodob\u00e9ho charakteru s\u00a0dobou splatnosti jeden m\u011bs\u00edc, \u010di maxim\u00e1ln\u011b n\u011bkolik let. Z\u00e1le\u017e\u00ed na konkr\u00e9tn\u00edch podm\u00ednk\u00e1ch dan\u00e9ho poskytovatele. V\u00a0dne\u0161n\u00ed dob\u011b se m\u016f\u017eete setkat s\u00a0osobn\u00ed p\u016fj\u010dkou i v\u00a0\u0159\u00e1du statis\u00edc\u016f. Spole\u010dnosti si toti\u017e samy ur\u010duj\u00ed, kolik klient\u016fm poskytuj\u00ed, a tak m\u016f\u017eeme mnohdy narazit na r\u016fzn\u00e9 okolnosti a podm\u00ednky t\u011bchto osobn\u00edch p\u016fj\u010dek a \u00fav\u011br\u016f.\tP\u016fj\u010dka pro ve\u0161ker\u00e9 pot\u0159ebyOsobn\u00ed p\u016fj\u010dku si m\u016f\u017eete sjednat i online, proto se tyto p\u016fj\u010dky naz\u00fdvaj\u00ed jako rychl\u00e9 p\u016fj\u010dky. Online verze umo\u017e\u0148uje vy\u0159\u00edzen\u00ed rychl\u00e9 a dostupn\u00e9 pro v\u0161echny klienty. Pen\u00edze m\u016f\u017eete vyu\u017e\u00edt jak\u00fdmkoliv zp\u016fsobem. S\u00a0pen\u011bzi se nej\u010dast\u011bji hrad\u00ed b\u011b\u017en\u00e9 pot\u0159eby. Lid\u00e9 si p\u016fj\u010dky berou pro placen\u00ed n\u00e1kup\u016f, v\u011bt\u0161\u00edch jednor\u00e1zov\u00fdch v\u00fdloh jako jsou nap\u0159\u00edklad spot\u0159ebi\u010de, ale tak\u00e9 v\u00a0p\u0159\u00edpad\u011b, \u017ee pot\u0159ebuj\u00ed p\u0159eklenout n\u011bjak\u00fd m\u011bs\u00edc, aby vyrovnali sv\u00e9 v\u00fddaje. D\u00e1le v\u00a0p\u0159\u00edpadech, \u017ee si cht\u011bj\u00ed n\u011bco nov\u00e9ho po\u0159\u00eddit. Pen\u00edze m\u016f\u017eete m\u00edt i takzvan\u011b nav\u00edc. Jakmile ve\u0161ker\u00e9 n\u00e1le\u017eitosti vy\u0159\u00edd\u00edte, m\u016f\u017eete si pen\u00edze nechat poslat na \u00fa\u010det nebo po\u017e\u00e1dat o p\u0159ed\u00e1n\u00ed v\u00a0hotovosti. O osobn\u00ed p\u016fj\u010dku mohou po\u017e\u00e1dat v\u0161ichni ob\u010dan\u00e9 \u010cesk\u00e9 republiky star\u0161\u00ed 18 let s\u00a0trval\u00fdm pobytem na na\u0161em \u00fazem\u00ed. Do osobn\u00edch p\u016fj\u010dek se \u0159ad\u00ed cel\u00e1 \u0161k\u00e1la r\u016fzn\u00fdch druh\u016f p\u016fj\u010dek, kter\u00e9 zprost\u0159edkov\u00e1vaj\u00ed jak banky, tak tak\u00e9 nebankovn\u00ed spole\u010dnosti. Osobn\u00ed p\u016fj\u010dkou m\u016f\u017eeme nazvat tak\u00e9 spot\u0159ebitelsk\u00fd \u00fav\u011br.\t                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Osobn\u00ed p\u016fj\u010dka a \u00fav\u011br","item":"https:\/\/www.zerba.cz\/osobni-pujcka-a-uver\/#breadcrumbitem"}]}]