[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/poskytovatele-pujcek\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/poskytovatele-pujcek\/","headline":"Poskytovatel\u00e9 p\u016fj\u010dek","name":"Poskytovatel\u00e9 p\u016fj\u010dek","description":"Poskytovatel\u00e9 p\u016fj\u010dek, o kter\u00fdch se dnes bav\u00edme, jsou samoz\u0159ejm\u011b poskytovatel\u00e9 nebankovn\u00ed. Takov\u00fd \u010dlov\u011bk, kter\u00fd p\u016fj\u010dku poskytuje, mus\u00ed spl\u0148ovat jednu z&nbsp;nejd\u016fle\u017eit\u011bj\u0161\u00edch podm\u00ednek a t\u00edm je licence. Samoz\u0159ejm\u011b m\u016f\u017eete narazit i na poskytovatele, kte\u0159\u00ed tuhle \u010dinnost vykon\u00e1vaj\u00ed neleg\u00e1ln\u011b a ani to, \u017ee vznikl nov\u00fd z\u00e1kon, kter\u00fd vnesl do \u00fav\u011brov\u00e9 d\u017eungle jak\u00fdsi \u0159\u00e1d, je od toho neodradil a &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/poskytovatele-pujcek\/\"> <span class=\"screen-reader-text\">Poskytovatel\u00e9 p\u016fj\u010dek<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2018-08-02","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_a311385_w1992_t1522222491.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a311385_w1992_t1522222491.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/poskytovatele-pujcek\/","about":["P\u016fj\u010dky"],"wordCount":455,"articleBody":"Poskytovatel\u00e9 p\u016fj\u010dek, o kter\u00fdch se dnes bav\u00edme, jsou samoz\u0159ejm\u011b poskytovatel\u00e9 nebankovn\u00ed. Takov\u00fd \u010dlov\u011bk, kter\u00fd p\u016fj\u010dku poskytuje, mus\u00ed spl\u0148ovat jednu z&nbsp;nejd\u016fle\u017eit\u011bj\u0161\u00edch podm\u00ednek a t\u00edm je licence.Samoz\u0159ejm\u011b m\u016f\u017eete narazit i na poskytovatele, kte\u0159\u00ed tuhle \u010dinnost vykon\u00e1vaj\u00ed neleg\u00e1ln\u011b a ani to, \u017ee vznikl nov\u00fd z\u00e1kon, kter\u00fd vnesl do \u00fav\u011brov\u00e9 d\u017eungle jak\u00fdsi \u0159\u00e1d, je od toho neodradil a nedonutil k&nbsp;tomu, aby si za\u017e\u00e1dali o licenci a poskytov\u00e1n\u00ed tak bylo leg\u00e1ln\u00ed.T\u00edm, \u017ee p\u0159i\u0161el nov\u00fd z\u00e1kon, razantn\u011b ubylo t\u011bch, kte\u0159\u00ed p\u016fj\u010dky poskytovali. Nebo by alespo\u0148 m\u011blo. Nejedn\u00e9 spole\u010dnosti se toti\u017e nepoda\u0159ilo z\u00edskat licenci od \u010cNB v&nbsp;pokra\u010dov\u00e1n\u00ed \u010dinnosti.Pokud zjist\u00edte, \u017ee poskytovatel, od kter\u00e9ho byste si r\u00e1di pen\u00edze p\u016fj\u010dili, nem\u00e1 licenci, pak od n\u011bj dejte ruce pry\u010d a okam\u017eit\u011b ukon\u010dete spole\u010dn\u00e9 jedn\u00e1n\u00ed. Je toti\u017e ot\u00e1zka \u010dasu, kdy se na jeho neleg\u00e1ln\u00ed \u010dinnost p\u0159ijde. Ti, kte\u0159\u00ed jsou odhaleni, mohou b\u00fdt pot\u00e9 bu\u010f sankciov\u00e1ni, nebo trestn\u011b st\u00edh\u00e1ni.Jestli\u017ee ale poskytovatel licenci od \u010cNB m\u00e1, pak se nemus\u00edte ni\u010deho ob\u00e1vat. Nejsou pro klienty nijak nebezpe\u010dn\u00ed.Z\u00edskat licenci ale nen\u00ed nic jednoduch\u00e9ho. Spole\u010dnosti mus\u00ed spl\u0148ovat p\u0159\u00edsn\u00e9 podm\u00ednky, mezi kter\u00e9 m\u016f\u017eeme za\u0159adit nap\u0159\u00edklad z\u00e1kladn\u00ed kapit\u00e1l ve v\u00fd\u0161i 20 mili\u00f3n\u016f korun a to je\u0161t\u011b nav\u00edc minim\u00e1ln\u011b. D\u016fle\u017eit\u00e9 jsou tak\u00e9 odborn\u00e9 znalosti. Pr\u00e1v\u011b na t\u011bchto dvou bodech v\u011bt\u0161ina poskytovatel\u016f ztroskot\u00e1.Je v\u00fdhodn\u00e9, \u017ee spole\u010dnosti s&nbsp;licenc\u00ed jsou pod kontrolou \u010cNB, \u010d\u00edm\u017e je zaji\u0161t\u011bna zv\u00fd\u0161en\u00e1 ochrana klient\u016f. Poskytovatele jsou doslova nuceni ov\u011b\u0159ovat bonitu ka\u017ed\u00e9ho klienta a poskytovat mu v\u0161echny pot\u0159ebn\u00e9 informace o dan\u00e9m \u00fav\u011bru.Mo\u017en\u00e1 se pt\u00e1te, jak si ov\u011b\u0159it licenci dan\u00e9ho poskytovatele. Je to velmi jednoduch\u00e9. Spole\u010dnosti, kter\u00e9 maj\u00ed licenci od \u010cNB, jsou toti\u017e uvedeny ve ve\u0159ejn\u00e9m seznamu centr\u00e1ln\u00ed banky, tak\u017ee si je m\u016f\u017eete proklepnout a pod\u00edvat se jim na zoubek. Pokud se v&nbsp;tomto seznamu n\u011bjak\u00e1 spole\u010dnost nenach\u00e1z\u00ed, signalizuje to to, \u017ee spole\u010dnost licenci m\u00edt nemus\u00ed. Pokud tato situace nastane, spole\u010dnost v\u00e1m mus\u00ed na vy\u017e\u00e1d\u00e1n\u00ed prok\u00e1zat, \u017ee licenci od \u010cNB skute\u010dn\u011b m\u00e1.Opravdu si na to d\u00e1vejte velk\u00fd pozor, a\u0165 se na konec nedostanete do nep\u0159\u00edjemn\u00fdch probl\u00e9m\u016f. Rozhodn\u011b to nem\u00e1 nikdo z&nbsp;n\u00e1s zapot\u0159eb\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poskytovatel\u00e9 p\u016fj\u010dek","item":"https:\/\/www.zerba.cz\/poskytovatele-pujcek\/#breadcrumbitem"}]}]