[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pujcka-od-soukrome-osoby-na-smenku\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pujcka-od-soukrome-osoby-na-smenku\/","headline":"P\u016fj\u010dka od soukrom\u00e9 osoby na sm\u011bnku","name":"P\u016fj\u010dka od soukrom\u00e9 osoby na sm\u011bnku","description":"Soukrom\u00e9 p\u016fj\u010dky na sm\u011bnku se v&nbsp;minulosti t\u011b\u0161ily pom\u011brn\u011b velk\u00e9 oblib\u011b. Je a\u017e s&nbsp;podivem, \u017ee je mnoho lid\u00ed volilo i p\u0159es vysok\u00e9 \u00faroky nebo dal\u0161\u00ed poplatky. St\u00e1le je to jedna z&nbsp;mo\u017enost\u00ed, jak z\u00edskat pen\u00edze, ale ji\u017e nen\u00ed leg\u00e1ln\u00ed. Jakmile vstoupila v&nbsp;platnost novela z\u00e1kona, upravily se podm\u00ednky i soukrom\u00e9 p\u016fj\u010dky na sm\u011bnku. Ta ji\u017e nem\u016f\u017ee b\u00fdt poskytnuta &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pujcka-od-soukrome-osoby-na-smenku\/\"> <span class=\"screen-reader-text\">P\u016fj\u010dka od soukrom\u00e9 osoby na sm\u011bnku<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-17","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-od-soukrome-osoby-na-smenku\/","about":["P\u016fj\u010dky"],"wordCount":471,"articleBody":"Soukrom\u00e9 p\u016fj\u010dky na sm\u011bnku se v&nbsp;minulosti t\u011b\u0161ily pom\u011brn\u011b velk\u00e9 oblib\u011b. Je a\u017e s&nbsp;podivem, \u017ee je mnoho lid\u00ed volilo i p\u0159es vysok\u00e9 \u00faroky nebo dal\u0161\u00ed poplatky. St\u00e1le je to jedna z&nbsp;mo\u017enost\u00ed, jak z\u00edskat pen\u00edze, ale ji\u017e nen\u00ed leg\u00e1ln\u00ed. Jakmile vstoupila v&nbsp;platnost novela z\u00e1kona, upravily se podm\u00ednky i soukrom\u00e9 p\u016fj\u010dky na sm\u011bnku. Ta ji\u017e nem\u016f\u017ee b\u00fdt poskytnuta v&nbsp;tomto zn\u011bn\u00ed jako druh spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. Pro\u010d tomu tak je? Zejm\u00e9na proto, \u017ee mnoho lid\u00ed m\u011blo s&nbsp;p\u016fj\u010dkou od soukrom\u00e9 osoby na sm\u011bnku negativn\u00ed zku\u0161enosti. P\u0159eplatili vysok\u00e9 \u010d\u00e1stky nebo dokonce m\u011bli dal\u0161\u00ed finan\u010dn\u00ed probl\u00e9my a dost\u00e1vali se do dluhov\u00fdch past\u00ed. P\u016fj\u010dky od soukrom\u00fdch osob na sm\u011bnku se st\u00e1le propaguj\u00ed a nab\u00edzej\u00ed. Poskytovatel\u00e9 si v\u017edy najdou cestu, jak doc\u00edlit toho, aby to alespo\u0148 vypadalo leg\u00e1ln\u011b a mohli je i nad\u00e1le poskytovat. P\u016fj\u010dky na sm\u011bnku od soukrom\u00fdch osob toti\u017e v\u011bt\u0161inou \u017e\u00e1dali lid\u00e9 ve finan\u010dn\u00ed t\u00edsni nebo ti, kter\u00e9 banka odm\u00edtla a neusp\u011bli ani u nebankovn\u00edch spole\u010dnost\u00ed. Co v&nbsp;takov\u00e9m p\u0159\u00edpad\u011b d\u011blat? Jist\u011b, \u017ee n\u00e1s napadne vyu\u017e\u00edt je\u0161t\u011b alespo\u0148 posledn\u00ed mo\u017enost \u010dili soukrom\u00e9 osoby, zdali by n\u011bkdo takov\u00fd neposkytl p\u016fj\u010dku, kdy\u017e se nach\u00e1z\u00edme v&nbsp;nesn\u00e1z\u00edch a toho pr\u00e1v\u011b mnoz\u00ed soukromn\u00edci zneu\u017e\u00edvali.\tN\u00e1le\u017eitosti a podm\u00ednkyM\u016f\u017eeme si \u0159\u00edct, \u017ee p\u016fj\u010dka od soukrom\u00e9 osoby na sm\u011bnku byla pro n\u011bkter\u00e9 lidi \u0159e\u0161en\u00edm, proto\u017ee v&nbsp;t\u011bchto p\u0159\u00edpadech se v\u016fbec nezji\u0161\u0165ovaly z\u00e1znamy v registrech, mnohdy jste ani nemuseli m\u00edt dolo\u017eiteln\u00fd p\u0159\u00edjem. Pokud klient nap\u0159\u00edklad kv\u016fli z\u00e1znamu nez\u00edskal \u00fav\u011br v&nbsp;bance a neusp\u011bl ani u nebankovn\u00ed spole\u010dnosti, m\u011bl je\u0161t\u011b tuto posledn\u00ed \u0161anci &ndash; z\u00edskat p\u016fj\u010dku na sm\u011bnku od soukrom\u00e9 osoby. Se z\u00edskan\u00fdmi pen\u011bzi mohl klient nalo\u017eit jakkoliv.Pokud se jedn\u00e1 o spot\u0159ebitelsk\u00e9 \u00fav\u011bry, tak pouze registrovan\u00e9 subjekty, nap\u0159\u00edklad nebankovn\u00ed spole\u010dnosti mohou poskytovat tyto \u00fav\u011bry. Registrovan\u00e9 mus\u00ed b\u00fdt u \u010cNB.Sm\u011bnka je cenn\u00fd pap\u00edr. Obsahuje z\u00e1kladn\u00ed n\u00e1le\u017eitosti. P\u016fj\u010dka na sm\u011bnku proto b\u00fdvala jednoduch\u00e1 a rychl\u00e1 na vy\u0159\u00edzen\u00ed. Sta\u010dil podpis a v\u0161e bylo vy\u0159\u00edzeno. T\u00edmto zp\u016fsobem si mohli p\u016fj\u010dit nezam\u011bstnan\u00ed lid\u00e9, lid\u00e9 bez p\u0159\u00edjmu, rizikov\u00e9 skupiny obyvatelstva nap\u0159\u00edklad se z\u00e1pisem v&nbsp;registru dlu\u017en\u00edk\u016f.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka od soukrom\u00e9 osoby na sm\u011bnku","item":"https:\/\/www.zerba.cz\/pujcka-od-soukrome-osoby-na-smenku\/#breadcrumbitem"}]}]