[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pujcka-a-uver-na-smenku-jeste-dnes\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pujcka-a-uver-na-smenku-jeste-dnes\/","headline":"P\u016fj\u010dka a \u00fav\u011br na sm\u011bnku je\u0161t\u011b dnes","name":"P\u016fj\u010dka a \u00fav\u011br na sm\u011bnku je\u0161t\u011b dnes","description":"Takzvan\u00e1 p\u016fj\u010dka na sm\u011bnku je ji\u017e del\u0161\u00ed dobu neleg\u00e1ln\u00ed. V&nbsp;minulosti bylo mnoho p\u0159\u00edpad\u016f, kdy si t\u00edmto zp\u016fsobem lid\u00e9 cht\u011bli pomoci k&nbsp;pen\u011bz\u016fm, ale pak zjistili, \u017ee p\u0159eplat\u00ed tis\u00edce a tis\u00edce s&nbsp;nads\u00e1zkou skoro a\u017e miliony. P\u016fj\u010dka na sm\u011bnku byla mo\u017en\u00e1, proto\u017ee se jednalo o mo\u017enost, jak z\u00edskat pen\u00edze rychle a bez zbyte\u010dn\u00e9ho pap\u00edrov\u00e1n\u00ed. Poskytovaly ji soukrom\u00e9 a &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pujcka-a-uver-na-smenku-jeste-dnes\/\"> <span class=\"screen-reader-text\">P\u016fj\u010dka a \u00fav\u011br na sm\u011bnku je\u0161t\u011b dnes<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-10","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-na-smenku-jeste-dnes\/","about":["P\u016fj\u010dky"],"wordCount":466,"articleBody":"Takzvan\u00e1 p\u016fj\u010dka na sm\u011bnku je ji\u017e del\u0161\u00ed dobu neleg\u00e1ln\u00ed. V&nbsp;minulosti bylo mnoho p\u0159\u00edpad\u016f, kdy si t\u00edmto zp\u016fsobem lid\u00e9 cht\u011bli pomoci k&nbsp;pen\u011bz\u016fm, ale pak zjistili, \u017ee p\u0159eplat\u00ed tis\u00edce a tis\u00edce s&nbsp;nads\u00e1zkou skoro a\u017e miliony. P\u016fj\u010dka na sm\u011bnku byla mo\u017en\u00e1, proto\u017ee se jednalo o mo\u017enost, jak z\u00edskat pen\u00edze rychle a bez zbyte\u010dn\u00e9ho pap\u00edrov\u00e1n\u00ed. Poskytovaly ji soukrom\u00e9 a nebankovn\u00ed spole\u010dnosti, ale nyn\u00ed je zak\u00e1z\u00e1na. Byla zn\u00e1m\u00e1 jako p\u016fj\u010dka na sm\u011bnku nebo t\u0159eba tak\u00e9 pod n\u00e1zvem p\u016fj\u010dka na sm\u011bnku je\u0161t\u011b dnes. Finance se vypl\u00e1cely okam\u017eit\u011b, ne\u0159e\u0161ily se p\u0159\u00edjmy ani registry, a proto byla tato volba mnohdy jedinou \u0161anc\u00ed, jak si n\u011bkde p\u016fj\u010dit nap\u0159\u00edklad pro nebonitn\u00ed \u017eadatele, \u017eadatele bez p\u0159\u00edjm\u016f, \u017eadatele bez pr\u00e1ce nebo s&nbsp;exekucemi.\tHistorie se neopakujeV&nbsp;tomto p\u0159\u00edpad\u011b se v\u0161ak historie neopakuje a p\u016fj\u010dka na sm\u011bnku zanikla. Z\u00e1kon zak\u00e1zal vyu\u017e\u00edvat spot\u0159ebitelsk\u00e9ho \u00fav\u011bru spojen\u00e9ho se sm\u011bnkami.M\u016f\u017eeme si \u0159\u00edct, \u017ee t\u00edmto zp\u016fsobem se dalo p\u016fj\u010dit p\u00e1r tis\u00edc ale tak\u00e9 i n\u011bkolik des\u00edtek tis\u00edc. Sm\u011bnka p\u0159itom byla splatn\u00e1 najednou \u010dili jste \u010d\u00e1stku vr\u00e1tili najednou nebo dle dohody. V\u017edy se ale jednal o kr\u00e1tkou dobu \u010dili na kr\u00e1tkou dobu splatnosti. Sm\u011bnky obsahovaly pouze z\u00e1kladn\u00ed n\u00e1le\u017eitosti, \u017e\u00e1dn\u00e9 jin\u00e9 skryt\u00e9 poplatky. Na sm\u011bnce bylo toti\u017e uvedeno p\u0159esn\u011b, kolik mus\u00edte vr\u00e1tit. Ov\u0161em \u00farok na nich mohl b\u00fdt vysok\u00fd, mnohdy a\u017e enormn\u00ed. Bylo to d\u00e1no t\u00edm, \u017ee si takto mohli p\u016fj\u010dovat i nebonitn\u00ed klienti nebo ti, kte\u0159\u00ed nez\u00edskali \u017e\u00e1dn\u00fd \u00fav\u011br nebo p\u016fj\u010dku u banky ani u nebankovn\u00ed spole\u010dnosti \u010di jinde. Od toho se odr\u00e1\u017eela vy\u0161\u0161\u00ed sazba \u00farok\u016f. Existovaly v\u0161ak i sm\u011bnky, u kter\u00fdch jste moc nep\u0159eplatili, ale pouze v&nbsp;ojedin\u011bl\u00fdch p\u0159\u00edpadech. Sm\u011bnky byly rychle vy\u0159\u00edzen\u00e9, \u017e\u00e1dn\u00e9 pap\u00edrov\u00e1n\u00ed ani slo\u017eit\u00e9 n\u00e1le\u017eitosti, \u017e\u00e1dn\u00e9 dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f, ani \u0159e\u0161en\u00ed registr\u016f. Byl to jednoduch\u00fd a snadn\u00fd zp\u016fsob, jak si p\u016fj\u010dit od kohokoliv hned a m\u00edt pen\u00edze t\u0159eba i ten sam\u00fd den.Sm\u011bnky v\u0161ak jako n\u00e1zev znamenaj\u00ed je\u0161t\u011b spoustu dal\u0161\u00edch v\u011bc\u00ed. Nerozli\u0161ujeme proto pouze p\u016fj\u010dku na sm\u011bnku, ale sm\u011bnka jako takov\u00e1 m\u00e1 mnoho dal\u0161\u00edch specifick\u00fdch vlastnost\u00ed a rozd\u011blujeme ji na r\u016fzn\u00e9 \u010dlen\u011bn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka a \u00fav\u011br na sm\u011bnku je\u0161t\u011b dnes","item":"https:\/\/www.zerba.cz\/pujcka-a-uver-na-smenku-jeste-dnes\/#breadcrumbitem"}]}]