[{"@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\u00a0bankovn\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\u00a0kr\u00e1tkou dobou splatnosti do jednoho roku nebo s\u00a0del\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}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384665_4x3_20260820_003007_SAaU6o.jpg","url":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384665_4x3_20260820_003007_SAaU6o.jpg","height":0,"width":0},"url":"https:\/\/www.zerba.cz\/pujcka-a-uver-bez-ruceni\/","about":["P\u016fj\u010dky"],"wordCount":455,"articleBody":"P\u0159em\u00fd\u0161l\u00edte o p\u016fj\u010dce, ale v\u00edte, \u017ee nem\u016f\u017eete ru\u010dit? Od toho jsou v\u00a0bankovn\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\u00a0kr\u00e1tkou dobou splatnosti do jednoho roku nebo s\u00a0del\u0161\u00ed (n\u011bkolik let), z\u00e1le\u017e\u00ed na podm\u00ednk\u00e1ch dan\u00e9ho poskytovatele. V\u00a0bance nemus\u00edte ru\u010dit u ni\u017e\u0161\u00edch \u010d\u00e1stek, ale mnohdy vyhov\u00ed i v\u00a0p\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\u00a0p\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\u00a0p\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\u00a0nim 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\u00a0nebankovn\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\u00a0toho d\u016fvodu, \u017ee st\u00e1le maj\u00ed pochybnosti. V\u00a0dne\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\u00a0oblasti 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\u00a0\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\u00a0t\u00edm, \u017ee pot\u0159ebujeme dostate\u010dn\u011b vysok\u00fd p\u0159\u00edjem, kter\u00fdm budeme moci spl\u00e1tky spl\u00e1cet. Setkat se v\u00a0takov\u00e9m p\u0159\u00edpad\u011b m\u016f\u017eeme i s\u00a0vy\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.\t                                                                                                                                                                                                                                                                                                                                                                                                "},{"@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"}]}]