[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.nagyn.cz\/bankovni-versus-nebankovni-pujcka\/#Article","mainEntityOfPage":"https:\/\/www.nagyn.cz\/bankovni-versus-nebankovni-pujcka\/","headline":"Bankovn\u00ed versus nebankovn\u00ed p\u016fj\u010dka","name":"Bankovn\u00ed versus nebankovn\u00ed p\u016fj\u010dka","description":"Tak jako se p\u016fj\u010dky d\u011bl\u00ed na hotovostn\u00ed a bezhotovostn\u00ed, stejn\u011b tak se \u010dlen\u00ed na bankovn\u00ed a nebankovn\u00ed. Jak u\u017e z n\u00e1zvu vypl\u00fdv\u00e1, tak bankovn\u00ed jsou poskytov\u00e1ny bankou, tj. bankovn\u00ed instituc\u00ed. Zat\u00edmco nebankovn\u00ed jsou poskytnuty ze strany nebankovn\u00ed spole\u010dnosti. Av\u0161ak zna\u010dn\u00fd rozd\u00edl je mezi ur\u010dit\u00fdmi pravidly, podm\u00ednkami pro spln\u011bn\u00ed, dodr\u017een\u00ed a z\u00edsk\u00e1n\u00ed p\u016fj\u010dky. Ka\u017ed\u00fd finan\u010dn\u00ed subjekt m\u00e1 sv\u00e1 specifika. Bankovn\u00ed p\u016fj\u010dky P\u0159ednost\u00ed je z\u00edsk\u00e1n\u00ed nejv\u00fdhodn\u011bj\u0161\u00ed p\u016fj\u010dky v r\u00e1mci \u00farokov\u00e9 sazby. Jedn\u00e1<div class=\"read-more\"><a class=\"btn read-more-btn\" href=\"https:\/\/www.nagyn.cz\/bankovni-versus-nebankovni-pujcka\/\">Read More<\/a><\/div>","datePublished":"2025-11-30","dateModified":"2025-11-30","author":{"@type":"Person","@id":"https:\/\/www.nagyn.cz\/author\/#Person","name":"","url":"https:\/\/www.nagyn.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/baa231f7e1963b29d6549eb0e137b049d877d4e97c51386f463c7d4fc98329bd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/baa231f7e1963b29d6549eb0e137b049d877d4e97c51386f463c7d4fc98329bd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"nagyn.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.nagyn.cz\/wp-content\/uploads\/img_a304936_w1698_t1516195558.jpg","url":"https:\/\/www.nagyn.cz\/wp-content\/uploads\/img_a304936_w1698_t1516195558.jpg","height":0,"width":0},"url":"https:\/\/www.nagyn.cz\/bankovni-versus-nebankovni-pujcka\/","wordCount":455,"articleBody":" Tak jako se p\u016fj\u010dky d\u011bl\u00ed na hotovostn\u00ed a bezhotovostn\u00ed, stejn\u011b tak se \u010dlen\u00ed na bankovn\u00ed a nebankovn\u00ed. Jak u\u017e z n\u00e1zvu vypl\u00fdv\u00e1, tak bankovn\u00ed jsou poskytov\u00e1ny bankou, tj. bankovn\u00ed instituc\u00ed. Zat\u00edmco nebankovn\u00ed jsou poskytnuty ze strany nebankovn\u00ed spole\u010dnosti. Av\u0161ak zna\u010dn\u00fd rozd\u00edl je mezi ur\u010dit\u00fdmi pravidly, podm\u00ednkami pro spln\u011bn\u00ed, dodr\u017een\u00ed a z\u00edsk\u00e1n\u00ed p\u016fj\u010dky. Ka\u017ed\u00fd finan\u010dn\u00ed subjekt m\u00e1 sv\u00e1 specifika. Bankovn\u00ed p\u016fj\u010dky P\u0159ednost\u00ed je z\u00edsk\u00e1n\u00ed nejv\u00fdhodn\u011bj\u0161\u00ed p\u016fj\u010dky v r\u00e1mci \u00farokov\u00e9 sazby. Jedn\u00e1 se i o seri\u00f3zn\u00ed p\u016fj\u010dku. Je jistotou. Nicm\u00e9n\u011b v\u0161ak vy\u0159\u00edzen\u00ed je zdlouhav\u011bj\u0161\u00ed a p\u0159edev\u0161\u00edm je zapot\u0159eb\u00ed dolo\u017een\u00ed pot\u0159ebn\u00fdch doklad\u016f. Jde o to, \u017ee bankovn\u00ed instituce jsou velmi obez\u0159etn\u00e9 v r\u00e1mci p\u016fj\u010den\u00ed pen\u011bz. T\u00edm tak ka\u017ed\u00fd \u017eadatel je d\u016fkladn\u011b prov\u011b\u0159en a mus\u00ed splnit ve\u0161ker\u00e9 stanoven\u00e9 limity. Ka\u017ed\u00e1 \u017e\u00e1dost v r\u00e1mci schvalovac\u00edho procesu proch\u00e1z\u00ed jist\u00fdmi postupy. Ka\u017ed\u00fd tak\u00e9 mus\u00ed dolo\u017eit doklad o pravideln\u00e9m m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmu. Ka\u017ed\u00fd, kdo \u017e\u00e1d\u00e1 v bance je prov\u011b\u0159en rovn\u011b\u017e v registru dlu\u017en\u00edk\u016f apod.  Jestli\u017ee nejste schopni dolo\u017eit pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem \u010di jin\u00e9 pot\u0159ebn\u00e9 doklady, nebo naopak pot\u0159ebujete z\u00edskat p\u016fj\u010dku co nejd\u0159\u00edve, pokud mo\u017eno je\u0161t\u011b t\u00fd\u017e den, kdy o ni \u017e\u00e1d\u00e1te, banka nen\u00ed schopna v tomto p\u0159\u00edpad\u011b p\u016fj\u010dku poskytnout.Nebankovn\u00ed p\u016fj\u010dky Pro mnoh\u00e9 zajist\u00e9 jednou z p\u0159\u00edzniv\u00fdch zpr\u00e1v je, \u017ee nebankovn\u00ed spole\u010dnosti neprov\u011b\u0159uj\u00ed sv\u00e9 \u017eadatele v registru dlu\u017en\u00edk\u016f. Stejn\u011b tak mnohdy nen\u00ed zapot\u0159eb\u00ed dolo\u017een\u00ed pravideln\u00e9ho p\u0159\u00edjmu. Podm\u00ednky pro z\u00edsk\u00e1n\u00ed p\u016fj\u010dky jsou v\u00fdrazn\u011b benevolentn\u011bj\u0161\u00ed. Jen si v\u011bt\u0161inou nebankovn\u00ed sektor zkontroluje, jestli u\u017e od nich m\u00e1te p\u016fj\u010dku nebo ne. V mnoha p\u0159\u00edpadech jde v\u0161e vy\u0159\u00eddit prost\u0159ednictv\u00edm online \u017e\u00e1dosti. Nebankovn\u00ed spole\u010dnosti maj\u00ed tak\u00e9 jednodu\u0161\u0161\u00ed formy smluv. Nejedn\u00e1 se o n\u011bkolika str\u00e1nkov\u00e9 smlouvy, ale v\u011bt\u0161inou je v\u0161e uvedeno na jedn\u00e9 stran\u011b form\u00e1tu A4. Jak\u00e9 dal\u0161\u00ed alternativy jsou mo\u017en\u00e9 a pro\u010d jsou nebankovn\u00ed p\u016fj\u010dky adekv\u00e1tn\u00ed volbou? Z mnoha d\u016fvod\u016f je lep\u0161\u00ed se obr\u00e1tit na nebankovn\u00ed subjekt  Jestli\u017ee opravdu urgentn\u011b pot\u0159ebujete p\u016fj\u010dku nebo v\u00edte, \u017ee nejste schopni dolo\u017eit ve\u0161ker\u00e9 pot\u0159ebn\u00e9 doklady vy\u017eaduj\u00edc\u00ed bankou, je nebankovn\u00ed p\u016fj\u010dka pro v\u00e1s jedinou potenci\u00e1ln\u00ed volbou a pomoc\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        5\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bankovn\u00ed versus nebankovn\u00ed p\u016fj\u010dka","item":"https:\/\/www.nagyn.cz\/bankovni-versus-nebankovni-pujcka\/#breadcrumbitem"}]}]