[{"@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&nbsp;roce 2016 byla ka\u017edou p\u00e1tou p\u016fj\u010dkou pr\u00e1v\u011b rychl\u00e1 &ndash; osobn\u00ed p\u016fj\u010dka. Osobn\u00ed p\u016fj\u010dka m\u016f\u017ee slou\u017eit k&nbsp;n\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}},"url":"https:\/\/www.zerba.cz\/osobni-pujcka-a-uver\/","about":["P\u016fj\u010dky"],"wordCount":456,"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&nbsp;roce 2016 byla ka\u017edou p\u00e1tou p\u016fj\u010dkou pr\u00e1v\u011b rychl\u00e1 &ndash; osobn\u00ed p\u016fj\u010dka. Osobn\u00ed p\u016fj\u010dka m\u016f\u017ee slou\u017eit k&nbsp;n\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&nbsp;dobou 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&nbsp;dne\u0161n\u00ed dob\u011b se m\u016f\u017eete setkat s&nbsp;osobn\u00ed p\u016fj\u010dkou i v&nbsp;\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&nbsp;pen\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&nbsp;p\u0159\u00edpad\u011b, \u017ee pot\u0159ebuj\u00ed p\u0159eklenout n\u011bjak\u00fd m\u011bs\u00edc, aby vyrovnali sv\u00e9 v\u00fddaje. D\u00e1le v&nbsp;p\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&nbsp;hotovosti. O osobn\u00ed p\u016fj\u010dku mohou po\u017e\u00e1dat v\u0161ichni ob\u010dan\u00e9 \u010cesk\u00e9 republiky star\u0161\u00ed 18 let s&nbsp;trval\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.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@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"}]}]