[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/poskytovani-uveru\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/poskytovani-uveru\/","headline":"Poskytov\u00e1n\u00ed \u00fav\u011br\u016f","name":"Poskytov\u00e1n\u00ed \u00fav\u011br\u016f","description":"Poskytov\u00e1n\u00ed \u00fav\u011br\u016f za posledn\u00ed roky pro\u0161lo mnoh\u00fdmi zm\u011bnami. \u010cNB vydala r\u016fzn\u00e1 opat\u0159en\u00ed, aby zp\u0159\u00edsnila poskytov\u00e1n\u00ed \u00fav\u011br\u016f a v\u00edce t\u00edm chr\u00e1nila kone\u010dn\u00e9ho klienta. V&nbsp;bankovn\u00edch a nebankovn\u00edch p\u016fj\u010dk\u00e1ch a \u00fav\u011brech jsme toti\u017e jako st\u00e1t mist\u0159i. Na jednu stranu si m\u016f\u017eeme myslet, \u017ee je to opravdu dob\u0159e, \u017ee se zp\u0159\u00eds\u0148uj\u00ed podm\u00ednky v&nbsp;p\u0159\u00edpad\u011b poskytov\u00e1n\u00ed p\u016fj\u010dek a \u00fav\u011br\u016f od lichv\u00e1\u0159sk\u00fdch &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/poskytovani-uveru\/\"> <span class=\"screen-reader-text\">Poskytov\u00e1n\u00ed \u00fav\u011br\u016f<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-21","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\/poskytovani-uveru\/","about":["Finan\u010dn\u00ed spole\u010dnosti"],"wordCount":493,"articleBody":"Poskytov\u00e1n\u00ed \u00fav\u011br\u016f za posledn\u00ed roky pro\u0161lo mnoh\u00fdmi zm\u011bnami. \u010cNB vydala r\u016fzn\u00e1 opat\u0159en\u00ed, aby zp\u0159\u00edsnila poskytov\u00e1n\u00ed \u00fav\u011br\u016f a v\u00edce t\u00edm chr\u00e1nila kone\u010dn\u00e9ho klienta. V&nbsp;bankovn\u00edch a nebankovn\u00edch p\u016fj\u010dk\u00e1ch a \u00fav\u011brech jsme toti\u017e jako st\u00e1t mist\u0159i. Na jednu stranu si m\u016f\u017eeme myslet, \u017ee je to opravdu dob\u0159e, \u017ee se zp\u0159\u00eds\u0148uj\u00ed podm\u00ednky v&nbsp;p\u0159\u00edpad\u011b poskytov\u00e1n\u00ed p\u016fj\u010dek a \u00fav\u011br\u016f od lichv\u00e1\u0159sk\u00fdch spole\u010dnost\u00ed, ale na druhou stranu se tyto zm\u011bny hodn\u011b dotkly tak\u00e9 nap\u0159\u00edklad hypot\u00e9k. P\u0159\u00edsn\u011bj\u0161\u00ed normy se vyd\u00e1valy nejenom v&nbsp;oblasti bydlen\u00ed, ale i v&nbsp;oblastech poskytov\u00e1n\u00ed \u00fav\u011br\u016f, proto\u017ee ka\u017ed\u00e1 spole\u010dnost \u010di banka mus\u00ed m\u00edt samoz\u0159ejm\u011b opr\u00e1vn\u011bn\u00ed a certifik\u00e1ty. Podle z\u00e1kona u\u017e mus\u00ed m\u00edt ka\u017ed\u00e1 spole\u010dnost, kter\u00e1 chce poskytovat n\u011bjak\u00fd druh p\u016fj\u010dky nebo \u00fav\u011bru opr\u00e1vn\u011bn\u00ed u \u010cNB.\tPorovn\u00e1n\u00ed bankovn\u00edch a nebankovn\u00edch instituc\u00edKlasick\u00e9 banky v\u011bt\u0161inou pova\u017eujeme za pom\u011brn\u011b zn\u00e1m\u00e9 a v\u0161ichni o nich dok\u00e1\u017ee n\u011bco \u0159\u00edct. Banky tedy zn\u00e1me z\u0159ejm\u011b v\u0161ichni, m\u00e1me u nich otev\u0159en\u00e9 b\u011b\u017en\u00e9 \u00fa\u010dty, k&nbsp;nim n\u00e1le\u017e\u00ed platebn\u00ed karty, se kter\u00fdmi plat\u00edme. Na tento \u00fa\u010det n\u00e1m \u010dasto p\u0159ich\u00e1z\u00ed i m\u011bs\u00ed\u010dn\u00ed v\u00fdplata, d\u016fchod nebo jin\u00e9 d\u00e1vky. Ka\u017ed\u00e1 banka tedy mus\u00ed m\u00edt opr\u00e1vn\u011bn\u00ed, to je samoz\u0159ejmost\u00ed, proto\u017ee ty v\u011bt\u0161inou funguj\u00ed na b\u00e1zi obrovsk\u00fdch korporac\u00ed po cel\u00e9 republice. N\u011bco jin\u00e9ho to v\u0161ak m\u016f\u017ee b\u00fdt v&nbsp;p\u0159\u00edpad\u011b nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 nejsou a\u017e tak zn\u00e1m\u00e9. Nev\u00edme, co si o nich m\u016f\u017eeme myslet, proto\u017ee nemaj\u00ed nikde pobo\u010dku. Nem\u016f\u017eeme je \u010dasto ani posoudit nebo rozeznat, proto\u017ee poskytuj\u00ed podobn\u00e9 produkty. Co ale s&nbsp;ur\u010ditost\u00ed m\u016f\u017eeme \u0159\u00edct je, \u017ee po p\u00e1r posledn\u00edch letech a vydan\u00fdch opr\u00e1vn\u011bn\u00edch, mus\u00ed m\u00edt i ka\u017ed\u00e1 nebankovn\u00ed spole\u010dnost licenci platnou u \u010cNB. D\u00edky tomu m\u016f\u017ee poskytovat \u00fav\u011bry a p\u016fj\u010dky. Takov\u00e1 spole\u010dnost mus\u00ed dolo\u017eit z\u00e1kladn\u00ed kapit\u00e1l ve v\u00fd\u0161i 20 milion\u016f korun. Spole\u010dnost by m\u011bla b\u00fdt d\u016fv\u011bryhodn\u00e1 a dolo\u017eit sv\u00e9 finance.Podle spot\u0159ebitelsk\u00e9ho z\u00e1kona je te\u010f kone\u010dn\u00fd spot\u0159ebitel v\u00edce chr\u00e1n\u011bn. D\u00edky t\u011bmto zm\u011bn\u00e1m se pom\u011brn\u011b ulevilo p\u0159epln\u011bn\u00e9mu trhu nebankovn\u00edch spole\u010dnost\u00ed, kde jste ob\u010das mohli narazit na ty seri\u00f3zn\u00ed a n\u011bkdy bohu\u017eel na ty neseri\u00f3zn\u00ed. \u00dapravou z\u00e1kona, kter\u00e1 ji\u017e prob\u011bhla, by se dalo \u0159\u00edct, \u017ee se v\u0161echno stabilizovalo.                                                                                                                                                                                                                                                                                                                                                                                                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