[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sodko.cz\/vite-jaky-je-rozdil-mezi-bankovni-a-nebankovni-spolecnosti\/#Article","mainEntityOfPage":"https:\/\/www.sodko.cz\/vite-jaky-je-rozdil-mezi-bankovni-a-nebankovni-spolecnosti\/","headline":"V\u00edte, jak\u00fd je rozd\u00edl mezi bankovn\u00ed a nebankovn\u00ed spole\u010dnost\u00ed?","name":"V\u00edte, jak\u00fd je rozd\u00edl mezi bankovn\u00ed a nebankovn\u00ed spole\u010dnost\u00ed?","description":"Po dlouh\u00e1 l\u00e9ta byly nebankovn\u00ed p\u016fj\u010dky pro \u0159adu lid\u00ed pouze formy, d\u00edky kter\u00fdm si lichv\u00e1\u0159i velmi snadno mohli namastit kapsy. Dr\u017eely si tak pov\u011bst nev\u00fdhodn\u00fdch a p\u0159edra\u017een\u00fdch produkt\u016f se skryt\u00fdmi poplatky, kter\u00e9 mnohdy p\u0159id\u011blali lidem v\u00edce starost\u00ed ne\u017e u\u017eitku. Dnes ale pro mnoh\u00e9 znamenaj\u00ed jedinou z\u00e1chranou stanic\u00ed, kdy\u017e pot\u0159ebuj\u00ed p\u016fj\u010dit rychle pen\u00edze. Jak to tedy &hellip; <div class=\"link-more text-center\"><a href=\"https:\/\/www.sodko.cz\/vite-jaky-je-rozdil-mezi-bankovni-a-nebankovni-spolecnosti\/\" class=\"more-link py-2 px-4\">Read More<span class=\"screen-reader-text\"> \"V\u00edte, jak\u00fd je rozd\u00edl mezi bankovn\u00ed a nebankovn\u00ed spole\u010dnost\u00ed?\"<\/span><\/a><\/div>","datePublished":"2020-11-17","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.sodko.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.sodko.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4bf629230dc34158290ba5b10491f45b3bfbba94b88af3386c3da2fed730f430?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4bf629230dc34158290ba5b10491f45b3bfbba94b88af3386c3da2fed730f430?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sodko.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sodko.cz\/wp-content\/uploads\/m%C4%9Bs%C3%AD%C4%8Dn%C3%AD%20v%C3%BDdaje.jpg","url":"https:\/\/www.sodko.cz\/wp-content\/uploads\/m%C4%9Bs%C3%AD%C4%8Dn%C3%AD%20v%C3%BDdaje.jpg","height":0,"width":0},"url":"https:\/\/www.sodko.cz\/vite-jaky-je-rozdil-mezi-bankovni-a-nebankovni-spolecnosti\/","about":["Ekonomika"],"wordCount":397,"articleBody":"      Po dlouh\u00e1 l\u00e9ta byly nebankovn\u00ed p\u016fj\u010dky pro \u0159adu lid\u00ed pouze formy, d\u00edky kter\u00fdm si lichv\u00e1\u0159i velmi snadno mohli namastit kapsy. Dr\u017eely si tak pov\u011bst nev\u00fdhodn\u00fdch a p\u0159edra\u017een\u00fdch produkt\u016f se skryt\u00fdmi poplatky, kter\u00e9 mnohdy p\u0159id\u011blali lidem v\u00edce starost\u00ed ne\u017e u\u017eitku. Dnes ale pro mnoh\u00e9 znamenaj\u00ed jedinou z\u00e1chranou stanic\u00ed, kdy\u017e pot\u0159ebuj\u00ed p\u016fj\u010dit rychle pen\u00edze. Jak to tedy s t\u011bmi nebankovn\u00edmi spole\u010dnostmi vlastn\u011b je? Jsou jejich p\u016fj\u010dky skute\u010dn\u011b tak nev\u00fdhodn\u00e9 nebo se jedn\u00e1 pouze o za\u017eit\u00fd p\u0159edstavu? Nejd\u0159\u00edve se pod\u00edv\u00e1me na klasickou p\u016fj\u010dku, pro kterou si p\u016fjdete do banky. Takovou p\u016fj\u010dku vyu\u017eijete hlavn\u011b v p\u0159\u00edpadech, kdy pot\u0159ebujete vy\u0161\u0161\u00ed obnos pen\u011bz. Na jejich z\u00edsk\u00e1n\u00ed ov\u0161em nikterak nesp\u011bch\u00e1te. Lid\u00e9 \u010dasto m\u00ed\u0159\u00ed do banky pro sjedn\u00e1n\u00ed hypot\u00e9ky, kter\u00e1 pat\u0159\u00ed mezi nejv\u00fdhodn\u011bj\u0161\u00ed \u00fav\u011bry v\u016fbec. Vyb\u00edrat m\u016f\u017eete z \u00fa\u010delov\u00e9 i ne\u00fa\u010delov\u00e9 hypot\u00e9ky podle zp\u016fsobu vyu\u017eit\u00ed. V\u011bt\u0161inou se v\u0161ak jedn\u00e1 o v\u011bt\u0161\u00ed obnos pen\u011bz, kter\u00fd vyu\u017eijete k realizaci vlastn\u00edho bydlen\u00ed, studiu nebo cestov\u00e1n\u00ed. Bankovn\u00ed p\u016fj\u010dky ov\u0161em nejsou v\u017edy tak v\u00fdhodn\u00e9, jak by se na prvn\u00ed pohled mohlo zd\u00e1t. Pro mnoh\u00e9 se toti\u017e bankovn\u00ed p\u016fj\u010dky stanou nev\u00fdhodn\u00e9 ve chv\u00edli, kdy pen\u00edze pot\u0159ebuj\u00ed co nejd\u0159\u00edve. Schvalovac\u00ed proces v bank\u00e1ch je zdlouhav\u00fd, a pokud pot\u0159ebujete pen\u00edze okam\u017eit\u011b k dispozici, v bance ur\u010dit\u011b nepochod\u00edte. Na druhou stranu je pot\u0159eba \u0159\u00edci, \u017ee v bance nen\u00ed klient omezen vy\u0161\u0161\u00ed \u010d\u00e1stkou, jako je tomu u v\u011bt\u0161iny nebankovn\u00edch spole\u010dnost\u00ed. Banky nav\u00edc vedou i co se t\u00fd\u010de d\u016fv\u011bryhodnosti.Oproti tomu nebankovn\u00ed spole\u010dnosti nab\u00edz\u00ed skv\u011bl\u00e9 \u0159e\u0161en\u00ed pro ty, kte\u0159\u00ed pot\u0159ebuj\u00ed m\u00edt pen\u00edze co nejd\u0159\u00edve k dispozici. D\u00edky jejich automatick\u00e9mu schvalovac\u00edmu procesu je to v n\u011bkter\u00fdch p\u0159\u00edpadech i v \u0159\u00e1dech minut. Kr\u00e1tkodob\u00e9 nebankovn\u00ed p\u016fj\u010dky tak mohou velmi snadno p\u0159eklenout dobu do dal\u0161\u00ed v\u00fdplaty nebo vy\u0159e\u0161it ne\u010dekanou finan\u010dn\u00ed ud\u00e1lost. Pro jakou variantu se nakonec rozhodnete?                                                                                                                                                                                                                                                                                                                                                                                           4.1\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V\u00edte, jak\u00fd je rozd\u00edl mezi bankovn\u00ed a nebankovn\u00ed spole\u010dnost\u00ed?","item":"https:\/\/www.sodko.cz\/vite-jaky-je-rozdil-mezi-bankovni-a-nebankovni-spolecnosti\/#breadcrumbitem"}]}]