[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.certodej.cz\/jak-snadne-je-v-dnesni-dobe-ziskat-uver\/#Article","mainEntityOfPage":"https:\/\/www.certodej.cz\/jak-snadne-je-v-dnesni-dobe-ziskat-uver\/","headline":"Jak snadn\u00e9 je v dne\u0161n\u00ed dob\u011b z\u00edskat \u00fav\u011br?","name":"Jak snadn\u00e9 je v dne\u0161n\u00ed dob\u011b z\u00edskat \u00fav\u011br?","description":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru jsou rok od roku p\u0159\u00edsn\u011bj\u0161\u00ed. Na trhu je v\u0161ak p\u0159ebytek likvidity a banky i nebankovn\u00ed spole\u010dnosti mezi sebou soupe\u0159\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta. Je tedy pochopiteln\u00e9, \u017ee tak \u010dinn\u00ed hlavn\u011b za pomoci nejr\u016fzn\u011bj\u0161\u00edch nab\u00eddek, v\u00fdhodn\u011bj\u0161\u00edch \u00farokov\u00fdch sazeb atd. Proti nim ale stoj\u00ed slo\u017eit\u00e1 legislativa, kter\u00e1 jim ukl\u00e1d\u00e1 za povinnost d\u016fkladnou lustraci […]","datePublished":"2021-10-22","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.certodej.cz\/author\/#Person","name":"","url":"https:\/\/www.certodej.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"certodej.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.certodej.cz\/wp-content\/uploads\/house-gd4da28e55_640.jpg","url":"https:\/\/www.certodej.cz\/wp-content\/uploads\/house-gd4da28e55_640.jpg","height":0,"width":0},"url":"https:\/\/www.certodej.cz\/jak-snadne-je-v-dnesni-dobe-ziskat-uver\/","about":["Ekonomika"],"wordCount":392,"articleBody":"   Podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru jsou rok od roku p\u0159\u00edsn\u011bj\u0161\u00ed. Na trhu je v\u0161ak p\u0159ebytek likvidity a banky i nebankovn\u00ed spole\u010dnosti mezi sebou soupe\u0159\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta. Je tedy pochopiteln\u00e9, \u017ee tak \u010dinn\u00ed hlavn\u011b za pomoci nejr\u016fzn\u011bj\u0161\u00edch nab\u00eddek, v\u00fdhodn\u011bj\u0161\u00edch \u00farokov\u00fdch sazeb atd. Proti nim ale stoj\u00ed slo\u017eit\u00e1 legislativa, kter\u00e1 jim ukl\u00e1d\u00e1 za povinnost d\u016fkladnou lustraci ka\u017ed\u00e9ho nov\u00e9ho \u017eadatele o \u00fav\u011br. V p\u0159\u00edpad\u011b, \u017ee by tak neu\u010dinily, mohlo by to pro n\u011b znamenat nedoz\u00edrn\u00e9 n\u00e1sledky. Dlu\u017en\u00edk by mohl celou smlouvu napadnout pro jej\u00ed neplatnost, a pokud by mu bylo vyhov\u011bno, nad\u00e1le by spl\u00e1cel jen dlu\u017enou \u010d\u00e1stku bez \u00farok\u016f \u010di dal\u0161\u00edch poplatk\u016f z prodlen\u00ed. Nebankovn\u00ed spole\u010dnosti jsou pro mnoh\u00e9 trnem v oku hlavn\u011b d\u00edky f\u00e1m\u00e1m ohledn\u011b skryt\u00fdch poplatk\u016f a vysok\u00e9 \u00farokov\u00e9 sazb\u011b. Pro jin\u00e9 ale p\u0159edstavuj\u00ed mnohdy jedinou z\u00e1chranou stanici na cest\u011b p\u0159ed krachem. V\u011bt\u0161ina lid\u00ed se na n\u011b obrac\u00ed ve chv\u00edli, kdy pot\u0159ebuje co mo\u017en\u00e1 nejd\u0159\u00edve \u0159e\u0161it ne\u010dekan\u00e9 v\u00fddaje nebo p\u0159eklenout dobu do dal\u0161\u00ed v\u00fdplaty. Spot\u0159ebitelsk\u00e9 \u00fav\u011bry od nebankovn\u00edch spole\u010dnost\u00ed jsou velmi rychl\u00e9 a vyu\u017e\u00edt jich m\u016f\u017ee t\u00e9m\u011b\u0159 ka\u017ed\u00fd. V\u00fdhodou je i jejich snadn\u00e1 dostupnost, vy\u0159\u00eddit je toti\u017e jde i online. V\u011bt\u0161ina t\u011bchto spole\u010dnost\u00ed pracuje s automatick\u00fdm schvalovac\u00edm procesem, d\u00edky kter\u00e9mu je proces schvalov\u00e1n\u00ed p\u016fj\u010dky velmi rychl\u00fd. Nebankovn\u00ed instituce jsou pro mnoh\u00e9 zn\u00e1m\u00e9 hlavn\u011b d\u00edky sv\u00fdm rychl\u00fdm spot\u0159ebitelsk\u00fdm \u00fav\u011br\u016fm, jen m\u00e1lokdo ale tu\u0161\u00ed, \u017ee \u0159ada z nich u\u017e nab\u00edz\u00ed t\u0159eba i americk\u00e9 hypot\u00e9ky bez registru. Pro \u017eadatele jsou jejich podm\u00ednky mnohdy daleko benevolentn\u011bj\u0161\u00ed, ne\u017e je tomu v bank\u00e1ch. Nen\u00ed po nich vy\u017eadov\u00e1no dokl\u00e1dat v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f a \u0159ada spole\u010dnost\u00ed nebere v potaz ani negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f. V \u010cesk\u00e9 republice m\u00e1me v sou\u010dasn\u00e9 dob\u011b \u010dty\u0159i registry dlu\u017en\u00edk\u016f pro fyzick\u00e9 osoby a jak bankovn\u00ed tak nebankovn\u00ed instituce do nich mohou voln\u011b nahl\u00ed\u017eet.                                                                                                                                                                                                                                                                                                                                                                                           4.5\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak snadn\u00e9 je v dne\u0161n\u00ed dob\u011b z\u00edskat \u00fav\u011br?","item":"https:\/\/www.certodej.cz\/jak-snadne-je-v-dnesni-dobe-ziskat-uver\/#breadcrumbitem"}]}]