[{"@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\u00a0minulosti t\u011b\u0161ily pom\u011brn\u011b velk\u00e9 oblib\u011b. Je a\u017e s\u00a0podivem, \u017ee je mnoho lid\u00ed volilo i p\u0159es vysok\u00e9 \u00faroky nebo dal\u0161\u00ed poplatky. St\u00e1le je to jedna z\u00a0mo\u017enost\u00ed, jak z\u00edskat pen\u00edze, ale ji\u017e nen\u00ed leg\u00e1ln\u00ed. Jakmile vstoupila v\u00a0platnost 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}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384724_3x2_20260815_163108_YtcL0h.jpg","url":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384724_3x2_20260815_163108_YtcL0h.jpg","height":0,"width":0},"url":"https:\/\/www.zerba.cz\/pujcka-od-soukrome-osoby-na-smenku\/","about":["P\u016fj\u010dky"],"wordCount":459,"articleBody":"Soukrom\u00e9 p\u016fj\u010dky na sm\u011bnku se v\u00a0minulosti t\u011b\u0161ily pom\u011brn\u011b velk\u00e9 oblib\u011b. Je a\u017e s\u00a0podivem, \u017ee je mnoho lid\u00ed volilo i p\u0159es vysok\u00e9 \u00faroky nebo dal\u0161\u00ed poplatky. St\u00e1le je to jedna z\u00a0mo\u017enost\u00ed, jak z\u00edskat pen\u00edze, ale ji\u017e nen\u00ed leg\u00e1ln\u00ed. Jakmile vstoupila v\u00a0platnost 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\u00a0tomto 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\u00a0p\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\u00a0takov\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\u00a0nesn\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\u00a0t\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\u00a0bance a neusp\u011bl ani u nebankovn\u00ed spole\u010dnosti, m\u011bl je\u0161t\u011b tuto posledn\u00ed \u0161anci \u2013 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\u00a0registru dlu\u017en\u00edk\u016f.\t                                                                                                                                                                                                                                                                                                                                                                                                "},{"@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"}]}]