[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pujcka-na-chvili\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pujcka-na-chvili\/","headline":"P\u016fj\u010dka na chv\u00edli","name":"P\u016fj\u010dka na chv\u00edli","description":"Takov\u00fdm p\u016fj\u010dk\u00e1m, kdy t\u011bsn\u011b p\u0159ed v\u00fdplatou zjist\u00edte, \u017ee jste \u00fapln\u011b bez pen\u011bz a pot\u0159ebujete tuto situaci rychle vy\u0159e\u0161it, a\u0165 u\u017e za to m\u016f\u017ee n\u011bjak\u00e1 nenad\u00e1la situace s financemi \u010di prost\u011b ni\u017e\u0161\u00ed v\u00fdplata, se \u0159\u00edk\u00e1 P\u016fj\u010dky p\u0159ed v\u00fdplatu. Jsou to v podstat\u011b takov\u00e9 mal\u00e9 mikrop\u016fj\u010dky, kter\u00e9 jsou ve v\u00fd\u0161i n\u011bkolika tis\u00edc korun a m\u00e1te na splacen\u00ed &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pujcka-na-chvili\/\"> <span class=\"screen-reader-text\">P\u016fj\u010dka na chv\u00edli<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2018-02-11","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_a312614_w1990_t1523435334.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a312614_w1990_t1523435334.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/pujcka-na-chvili\/","about":["P\u016fj\u010dky"],"wordCount":452,"articleBody":"\tTakov\u00fdm p\u016fj\u010dk\u00e1m, kdy t\u011bsn\u011b p\u0159ed v\u00fdplatou zjist\u00edte, \u017ee jste \u00fapln\u011b bez pen\u011bz a pot\u0159ebujete tuto situaci rychle vy\u0159e\u0161it, a\u0165 u\u017e za to m\u016f\u017ee n\u011bjak\u00e1 nenad\u00e1la situace s financemi \u010di prost\u011b ni\u017e\u0161\u00ed v\u00fdplata, se \u0159\u00edk\u00e1 P\u016fj\u010dky p\u0159ed v\u00fdplatu.\tJsou to v podstat\u011b takov\u00e9 mal\u00e9 mikrop\u016fj\u010dky, kter\u00e9 jsou ve v\u00fd\u0161i n\u011bkolika tis\u00edc korun a m\u00e1te na splacen\u00ed jenom n\u011bkolik m\u00e1lo dn\u00ed \u010di t\u00fddn\u016f.\t\tNejv\u011bt\u0161\u00edm rozd\u00edlem mezi takovou malou p\u016fj\u010dkou a standardn\u00edm \u00fav\u011brem je ten, \u017ee u tak zvan\u00e9 mikrop\u016fj\u010dky neuvid\u00edte \u00farokovou sazbu, proto\u017ee tato se u tohoto typu p\u016fj\u010dek nepou\u017e\u00edv\u00e1. Poskytovatel v\u00e1m prost\u011b na\u00fa\u010dtuje poplatky k p\u016fj\u010dce a je to. Jedin\u00e9, kter\u00e9 mus\u00ed uv\u00e1d\u011bt je RPSN, tedy ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f. A je to obdobn\u00e9 jako u jin\u00fdch \u00fav\u011br\u016f, \u010d\u00edm je sazba vy\u0161\u0161\u00ed, t\u00edm je p\u016fj\u010dka dra\u017e\u0161\u00ed.\tPOZOR!\tU t\u011bchto p\u016fj\u010dek je t\u0159eba si d\u00e1t velk\u00fd pozor pr\u00e1v\u011b na vysok\u00e9 poplatky a sankce, kter\u00e9 k t\u011bmto p\u016fj\u010dk\u00e1m jsou p\u0159i\u0161it\u00e9. \u010casto se jedn\u00e1 a\u017e o neetick\u00fd druh podnik\u00e1n\u00ed.&nbsp; Toto nevhodn\u00e9 chov\u00e1n\u00ed nespo\u010d\u00edv\u00e1 jen ve vysok\u00fdch poplatc\u00edch i \u00fav\u011bru, ale tak\u00e9 ve vysok\u00fdch poplatk\u016f ohledn\u011b jak\u00fdchkoli dal\u0161\u00edch \u00fakon\u016f. Pozor tak\u00e9 na to, \u017ee v moment\u011b, kdy nesplat\u00edte p\u016fj\u010dku v \u010das, m\u016f\u017ee doj\u00edt k prodeji pohled\u00e1vky anebo postoupen\u00ed vym\u00e1hac\u00edm agentur\u00e1m \u010di advok\u00e1tn\u00edm kancel\u00e1\u0159\u00edm, co\u017e tak\u00e9 navy\u0161uje zbyte\u010dn\u011b pr\u00e1v\u011b dal\u0161\u00ed platby. Proto v\u017edy, ne\u017e v\u016fbec budete o takov\u00e9m aktu uva\u017eovat, prostudujte si dostupn\u00e9 recenze na firmu, kterou jste si vybrali. Ne\u017e se do takov\u00e9 p\u016fj\u010dky pust\u00edte, ur\u010dit\u011b si dejte pozor na n\u00e1sleduj\u00edc\u00ed \u010dty\u0159i v\u011bci:\t1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Poplatek za p\u016fj\u010dku\t2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Poplatek za prodlou\u017een\u00ed \t3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Pokuta za prodlen\u00ed se spl\u00e1tkou\t4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Postup p\u0159i nezaplacen\u00ed v term\u00ednu a sankce\t\tNen\u00ed zrovna asi n\u00e1hodou, \u017ee v na\u0161\u00ed republice jsou na trhu pouze dv\u011b ryze \u010desk\u00e9 spole\u010dnosti, kter\u00e9 jsou z Jihomoravsk\u00e9ho kraje.\tJedna ze spole\u010dnost\u00ed nap\u0159\u00edklad dan\u00ed na Kypru, p\u011bt spole\u010dnost\u00ed je z Loty\u0161ska, d\u00e1le m\u016f\u017eeme mezi poskytovali naj\u00edt spole\u010dnosti se s\u00eddlem v Estonsku, Spojen\u00e9m kr\u00e1lovstv\u00ed, Finsku, Islandu i N\u011bmecku.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka na chv\u00edli","item":"https:\/\/www.zerba.cz\/pujcka-na-chvili\/#breadcrumbitem"}]}]