[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pujcky-a-situace-na-trhu\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pujcky-a-situace-na-trhu\/","headline":"P\u016fj\u010dky a situace na trhu","name":"P\u016fj\u010dky a situace na trhu","description":"Nebankovn\u00ed p\u016fj\u010dka je poskytov\u00e1na jin\u00fdm subjektem, ne\u017e bankou. Pro pr\u00e1v\u011b tyto typy \u00fav\u011br\u016f je p\u0159\u00edmo charakteristick\u00e9, \u017ee nemaj\u00ed tak p\u0159\u00edsn\u00e9 podm\u00ednky pro jejich z\u00edsk\u00e1n\u00ed. Pr\u00e1v\u011b u t\u011bchto spole\u010dnost\u00ed v\u011bt\u0161inou \u017eadatel nemus\u00ed dokl\u00e1dat p\u0159\u00edjmy ani \u010dist\u00fd v\u00fdpis z rejst\u0159\u00edk\u016f trest\u016f. Pr\u00e1v\u011b tyto v\u00fdhody jsou pak ale vyva\u017eov\u00e1ny ze strany poskytovatele vysok\u00fdmi \u00faroky, vysokou procentn\u00ed ro\u010dn\u00ed sazbou …

P\u016fj\u010dky a situace na trhu<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2017-07-25","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_a294443_w1990_t1506371760.png","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a294443_w1990_t1506371760.png","height":"","width":""},"url":"https:\/\/www.zerba.cz\/pujcky-a-situace-na-trhu\/","about":["P\u016fj\u010dky"],"wordCount":482,"articleBody":"\tNebankovn\u00ed p\u016fj\u010dka je poskytov\u00e1na jin\u00fdm subjektem, ne\u017e bankou. Pro pr\u00e1v\u011b tyto typy \u00fav\u011br\u016f je p\u0159\u00edmo charakteristick\u00e9, \u017ee nemaj\u00ed tak p\u0159\u00edsn\u00e9 podm\u00ednky pro jejich z\u00edsk\u00e1n\u00ed. Pr\u00e1v\u011b u t\u011bchto spole\u010dnost\u00ed v\u011bt\u0161inou \u017eadatel nemus\u00ed dokl\u00e1dat p\u0159\u00edjmy ani \u010dist\u00fd v\u00fdpis z rejst\u0159\u00edk\u016f trest\u016f. Pr\u00e1v\u011b tyto v\u00fdhody jsou pak ale vyva\u017eov\u00e1ny ze strany poskytovatele vysok\u00fdmi \u00faroky, vysokou procentn\u00ed ro\u010dn\u00ed sazbou n\u00e1klad\u016f (zn\u00e1m\u00e9 jako RPSN) a celkov\u011b nev\u00fdhodnost\u00ed t\u011bchto nebankovn\u00edch produkt\u016f.\t \tSamoz\u0159ejm\u011b existuj\u00ed v\u00fdjimky a postupem \u010dasu a zv\u00fd\u0161enou kontrolou spole\u010dnost\u00ed, kter\u00e9 poskytuj\u00ed \u00fav\u011bry, se st\u00e1vaj\u00ed n\u011bkter\u00e9 nebankovn\u00ed p\u016fj\u010dky dokonce v\u00fdhodn\u011bj\u0161\u00edmi ne\u017e p\u016fj\u010dky bankovn\u00ed.\t \tKonkuren\u010dn\u00edmu boji pomohla novela z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kter\u00e1 ve\u0161la v platnost 1.12.2016, kter\u00e1 pr\u00e1v\u011b zp\u0159\u00edsnila podm\u00ednky poskytovatel\u016fm jak\u00fdchkoli p\u016fj\u010dek. V\u0161echny podniky, kter\u00e9 cht\u011bj\u00ed od tohoto term\u00ednu p\u016fj\u010dky i nad\u00e1le poskytovat, mus\u00ed z\u00edskat licenci \u010cesk\u00e9 n\u00e1rodn\u00ed banky. D\u0159\u00edve sta\u010dil \u017eivnostensk\u00fd list, v\u0161ak nyn\u00ed ji\u017e to tak nen\u00ed.\tTento krok byl u\u010din\u011bn s vidinou vym\u00fdcen\u00ed lichv\u00e1\u0159sk\u00fdch neetick\u00fdch praktik, kter\u00e9 se je\u0161t\u011b do ned\u00e1vna na \u010desk\u00e9m trhu objevovaly.\t\tJak\u00e9 povinnosti nebankovn\u00ed poskytovatel\u00e9 mus\u00ed plnit?\t•    Poskytovatel mus\u00ed opravdu d\u016fkladn\u011b prov\u011b\u0159it finan\u010dn\u00ed situaci \u017eadatele p\u0159ed jej\u00edm schv\u00e1len\u00edm a to i u p\u016fj\u010dek do p\u011bti tis\u00edc korun.\t•    Poskytovatel v tuto chv\u00edli nesm\u00ed neinformovat o v\u0161ech n\u00e1kladech k \u00fav\u011bru. Tedy klient mus\u00ed vid\u011bt p\u0159esn\u011b kolik pen\u011bz p\u0159esn\u011b obdr\u017e\u00ed a kolik opravdu celkov\u011b zaplat\u00ed. Pokud tedy bude \u0159\u00e1dn\u011b spl\u00e1cet ve stanoven\u00fdch term\u00ednech \u010d\u00e1stky ur\u010den\u00e9.\t•    Poskytovatel nesm\u00ed br\u00e1nit z\u00e1kazn\u00edkovi rozmyslet a prostudovat nab\u00eddku. Na to m\u00e1 klient ze z\u00e1kona nyn\u00ed 14 dn\u00ed.\t•    Ka\u017ed\u00fd rok mus\u00ed b\u00fdt umo\u017en\u011bno klientovi splatit zcela bez poplatk\u016f a\u017e 25% jistiny (tedy \u010d\u00e1stky p\u016fj\u010den\u00e9). Pokud se klient dostane do t\u011b\u017ek\u00e9 \u017eivotn\u00ed situace, m\u016f\u017ee splatit \u00fav\u011br cel\u00fd najednou.\t•    P\u0159i neschopnosti spl\u00e1cet p\u016fj\u010dku, m\u016f\u017ee poskytovatel po\u017eadovat maxim\u00e1ln\u011b 50% jistiny na pokut\u00e1ch, ale jen do v\u00fd\u0161e 200.000,-K\u010d.\t•    Minim\u00e1ln\u00ed doba spl\u00e1cen\u00ed v\u0161ech \u00fav\u011br\u016f je stanovena na 6 m\u011bs\u00edc\u016f.\t•    V\u0161echny spory t\u00fdkaj\u00edc\u00ed se t\u011bchto \u00fav\u011br\u016f mus\u00ed b\u00fdt \u0159e\u0161eny u m\u00edstn\u011b p\u0159\u00edslu\u0161n\u00fdch soud\u016f. Tedy v\u011b\u0159itel\u00e9 u\u017e nemohou pou\u017e\u00edvat ustanoven\u00ed o rozhod\u010d\u00edch dolo\u017ek\u00e1ch. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dky a situace na trhu","item":"https:\/\/www.zerba.cz\/pujcky-a-situace-na-trhu\/#breadcrumbitem"}]}]