[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pujcka-a-uver-bez-ruceni\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pujcka-a-uver-bez-ruceni\/","headline":"P\u016fj\u010dka a \u00fav\u011br bez ru\u010den\u00ed","name":"P\u016fj\u010dka a \u00fav\u011br bez ru\u010den\u00ed","description":"P\u0159em\u00fd\u0161l\u00edte o p\u016fj\u010dce, ale v\u00edte, \u017ee nem\u016f\u017eete ru\u010dit? Od toho jsou v&nbsp;bankovn\u00edm sektoru mo\u017enosti, jak si p\u016fj\u010dit, ani\u017e byste museli ru\u010dit nemovitost\u00ed. Banky i nebankovn\u00ed spole\u010dnosti poskytuj\u00ed p\u016fj\u010dky bez ru\u010den\u00ed. Nen\u00ed mnoho vlastn\u00edk\u016f nemovitost\u00ed, proto se tyto p\u016fj\u010dky poskytuj\u00ed jako kr\u00e1tkodob\u00e9 i st\u0159edn\u011bdob\u00e9, to znamen\u00e1 s&nbsp;kr\u00e1tkou dobou splatnosti do jednoho roku nebo s&nbsp;del\u0161\u00ed (n\u011bkolik let), &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pujcka-a-uver-bez-ruceni\/\"> <span class=\"screen-reader-text\">P\u016fj\u010dka a \u00fav\u011br bez ru\u010den\u00ed<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-12","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\/pujcka-a-uver-bez-ruceni\/","about":["P\u016fj\u010dky"],"wordCount":471,"articleBody":"P\u0159em\u00fd\u0161l\u00edte o p\u016fj\u010dce, ale v\u00edte, \u017ee nem\u016f\u017eete ru\u010dit? Od toho jsou v&nbsp;bankovn\u00edm sektoru mo\u017enosti, jak si p\u016fj\u010dit, ani\u017e byste museli ru\u010dit nemovitost\u00ed. Banky i nebankovn\u00ed spole\u010dnosti poskytuj\u00ed p\u016fj\u010dky bez ru\u010den\u00ed. Nen\u00ed mnoho vlastn\u00edk\u016f nemovitost\u00ed, proto se tyto p\u016fj\u010dky poskytuj\u00ed jako kr\u00e1tkodob\u00e9 i st\u0159edn\u011bdob\u00e9, to znamen\u00e1 s&nbsp;kr\u00e1tkou dobou splatnosti do jednoho roku nebo s&nbsp;del\u0161\u00ed (n\u011bkolik let), z\u00e1le\u017e\u00ed na podm\u00ednk\u00e1ch dan\u00e9ho poskytovatele. V&nbsp;bance nemus\u00edte ru\u010dit u ni\u017e\u0161\u00edch \u010d\u00e1stek, ale mnohdy vyhov\u00ed i v&nbsp;p\u0159\u00edpad\u011b vy\u0161\u0161\u00ed \u010d\u00e1stky, obzvl\u00e1\u0161t\u011b pokud m\u00e1te dostate\u010dn\u011b vysok\u00e9 prokazateln\u00e9 p\u0159\u00edjmy. U nebankovn\u00edch spole\u010dnost\u00ed je tomu takt\u00e9\u017e, nemus\u00edte samoz\u0159ejm\u011b ni\u010d\u00edm ru\u010dit v&nbsp;p\u0159\u00edpad\u011b mal\u00fdch \u010d\u00e1stek, ale ani vy\u0161\u0161\u00edch, kdy se doba splatnosti pohybuje nad jeden rok a v\u00edce.Ru\u010den\u00ed nemovitosti nen\u00ed v\u017edy vy\u017eadov\u00e1no. Existuje mnoho produkt\u016f, jako je p\u016fj\u010dka bez ru\u010den\u00ed, a to na r\u016fzn\u00e9 \u010d\u00e1stky. Nemus\u00edte vlastnit nemovitost, abyste z\u00edskali p\u016fj\u010dku.\tObava z&nbsp;p\u016fj\u010dky na tak vysokou \u010d\u00e1stku od nebankovn\u00ed spole\u010dnostiDo banky se nikdo neboj\u00ed j\u00edt, aby si vzal p\u016fl milionu nebo rovnou milion, m\u00e1me k&nbsp;nim toti\u017e jak\u00fdsi druh d\u016fv\u011bry, \u017ee jsou stabiln\u00ed a existuj\u00ed ji\u017e mnoho let \u010dili maj\u00ed solidn\u00ed podm\u00ednky. Naproti tomu s&nbsp;nebankovn\u00edmi spole\u010dnostmi p\u0159i tak vysok\u00fdch \u010d\u00e1stk\u00e1ch to m\u016f\u017ee b\u00fdt n\u011bco jin\u00e9ho. Lid\u00e9 se st\u00e1le ob\u010das ob\u00e1vaj\u00ed vysok\u00fdch p\u016fj\u010dek u nebankovn\u00edch spole\u010dnost\u00ed, a to z&nbsp;toho d\u016fvodu, \u017ee st\u00e1le maj\u00ed pochybnosti. V&nbsp;dne\u0161n\u00ed dob\u011b v\u0161ak v\u0161echny nebankovn\u00ed spole\u010dnosti, kter\u00e9 poskytuj\u00ed \u00fav\u011bry a p\u016fj\u010dky mus\u00ed m\u00edt certifik\u00e1t od \u010cNB. \u010cesk\u00e1 n\u00e1rodn\u00ed banka jim d\u00e1v\u00e1 ov\u011b\u0159en\u00ed, takzvanou licenci. To m\u016f\u017ee n\u011bkter\u00e9 klienty v&nbsp;oblasti pochybov\u00e1n\u00ed p\u0159esv\u011bd\u010dit o v\u011bt\u0161\u00ed presti\u017ei nebankovn\u00edch spole\u010dnost\u00ed.I p\u016fj\u010dky bez ru\u010den\u00ed tedy mohou \u0161plhat vysoko a\u017e k&nbsp;\u0159\u00e1d\u016fm statis\u00edc\u016f korun. U nebankovn\u00edch spole\u010dnost\u00ed mnohdy i tyto \u00fav\u011bry vy\u0159\u00edd\u00edte pouze p\u0159es po\u010d\u00edta\u010d \u010dili online metodou. Mus\u00edme v\u0161ak po\u010d\u00edtat s&nbsp;t\u00edm, \u017ee pot\u0159ebujeme dostate\u010dn\u011b vysok\u00fd p\u0159\u00edjem, kter\u00fdm budeme moci spl\u00e1tky spl\u00e1cet. Setkat se v&nbsp;takov\u00e9m p\u0159\u00edpad\u011b m\u016f\u017eeme i s&nbsp;vy\u0161\u0161\u00ed \u00farokovou sazbou nebo jin\u00fdmi poplatky. Ru\u010den\u00ed toti\u017e pro banky i nebankovn\u00ed spole\u010dnosti znamen\u00e1 v\u011bt\u0161\u00ed jistotu.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka a \u00fav\u011br bez ru\u010den\u00ed","item":"https:\/\/www.zerba.cz\/pujcka-a-uver-bez-ruceni\/#breadcrumbitem"}]}]