[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bejbex.cz\/nebankovni-spolecnosti\/#Article","mainEntityOfPage":"https:\/\/www.bejbex.cz\/nebankovni-spolecnosti\/","headline":"Nebankovn\u00ed spole\u010dnosti","name":"Nebankovn\u00ed spole\u010dnosti","description":"Jsou to spole\u010dnosti poskytuj\u00edc\u00ed \u00fav\u011bry za m\u00edrn\u011bj\u0161\u00edch podm\u00ednek ne\u017e banky. Velmi z\u0159\u00eddka se dokl\u00e1daj\u00ed p\u0159\u00edjmy a v\u00fdpisy z registru dlu\u017en\u00edk\u016f. Ale na druhou stranu tyto nebankovn\u00ed spole\u010dnosti maj\u00ed mnohem vy\u0161\u0161\u00ed \u00faroky, ne\u017e jak\u00fd byste m\u011bli pr\u00e1v\u011b v bank\u00e1ch. D\u00edky novele v roce […]","datePublished":"2025-06-25","dateModified":"2025-06-25","author":{"@type":"Person","@id":"https:\/\/www.bejbex.cz\/author\/#Person","name":"","url":"https:\/\/www.bejbex.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/774cfd57496a9f02284489749b4229073861faca9d8a66df7d65507a77c5d31f?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/774cfd57496a9f02284489749b4229073861faca9d8a66df7d65507a77c5d31f?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bejbex.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bejbex.cz\/wp-content\/uploads\/img_a306138_w1703_t1517377323.jpg","url":"https:\/\/www.bejbex.cz\/wp-content\/uploads\/img_a306138_w1703_t1517377323.jpg","height":0,"width":0},"url":"https:\/\/www.bejbex.cz\/nebankovni-spolecnosti\/","wordCount":392,"articleBody":" Jsou to spole\u010dnosti poskytuj\u00edc\u00ed \u00fav\u011bry za m\u00edrn\u011bj\u0161\u00edch podm\u00ednek ne\u017e banky. Velmi z\u0159\u00eddka se dokl\u00e1daj\u00ed p\u0159\u00edjmy a v\u00fdpisy z registru dlu\u017en\u00edk\u016f. Ale na druhou stranu tyto nebankovn\u00ed spole\u010dnosti maj\u00ed mnohem vy\u0161\u0161\u00ed \u00faroky, ne\u017e jak\u00fd byste m\u011bli pr\u00e1v\u011b v bank\u00e1ch. D\u00edky novele v roce 2016 mus\u00ed m\u00edt v\u0161echny nebankovn\u00ed spole\u010dnosti licenci \u010cNB (\u010cesk\u00e1 n\u00e1rodn\u00ed banky), kter\u00e1 na tyto subjekty dohl\u00ed\u017e\u00ed, aby nedoch\u00e1zelo k lichv\u011b. \u010cNB tak\u00e9 t\u011bmto subjekt\u016fm vymezila povinnosti v\u016f\u010di \u017eadateli o \u00fav\u011br. P\u0159es nebankovn\u00ed spole\u010dnost si m\u016f\u017eete za\u017e\u00e1dat o kr\u00e1tkodobou p\u016fj\u010dku. Je to p\u016fj\u010dka maxim\u00e1ln\u011b do 10 000 K\u010d a spl\u00e1c\u00ed se jednor\u00e1zov\u011b. D\u00e1le tyto spole\u010dnosti nab\u00edzej\u00ed p\u016fj\u010dky st\u0159edn\u00ed velikosti. Jedn\u00e1 se o p\u016fj\u010dky v \u0159\u00e1dech desetitis\u00edc\u016f a \u017eadatel by m\u011bl m\u00edt st\u00e1l\u00fd p\u0159\u00edjem. A v neposledn\u00ed \u0159ad\u011b se jedn\u00e1 o nebankovn\u00ed americk\u00e9 hypot\u00e9ky, kde se ru\u010d\u00ed nemovitost\u00ed.  P\u016fj\u010dky se u t\u011bchto spole\u010dnost\u00ed vypl\u00e1cej\u00ed bezhotovostn\u00ed formou na \u00fa\u010det. \u017dadatel tedy mus\u00ed vlastnit bankovn\u00ed \u00fa\u010det, aby mu p\u016fj\u010dka u nebankovn\u00ed spole\u010dnosti byla vyplacen\u00e1 .  V\u00fdhody nebankovn\u00edch spole\u010dnost\u00ed    Mezi v\u00fdhody nebankovn\u00edch spole\u010dnost\u00ed pat\u0159\u00ed hlavn\u011b dostupnost p\u016fj\u010dek i pro rizikov\u00e9 \u017eadatele d\u00edky tomu, \u017ee nen\u00ed pot\u0159eba dokl\u00e1dat p\u0159\u00edjem a v\u00fdpis s registru dlu\u017en\u00edk\u016f. Ale d\u00edky novele \u010cNB by m\u011blo t\u011bchto klient\u016f ub\u00fdvat d\u00edky tomu, \u017ee spole\u010dnosti mus\u00ed posoudit, zda je klient schopen p\u016fj\u010dku spl\u00e1cet. V\u00fdhodou je samoz\u0159ejm\u011b tak\u00e9 rychlost vy\u0159\u00edzen\u00ed p\u016fj\u010dky. P\u016fj\u010dku lze toti\u017e vy\u0159izovat i online, t\u0159eba od stolu v ob\u00fdv\u00e1ku. Nav\u00edc mnoh\u00e9 nebankovn\u00ed spole\u010dnosti nab\u00edzej\u00ed prvn\u00ed p\u016fj\u010dky bez \u00faroku, a tedy nezaplat\u00edte p\u0159i splacen\u00ed ani korunu na v\u00edc.  Nev\u00fdhody nebankovn\u00ed spole\u010dnosti  Samoz\u0159ejm\u011b maj\u00ed tyto nebankovn\u00ed spole\u010dnosti i sv\u00e9 nev\u00fdhody. Jedn\u00e1 se hlavn\u011b o vysok\u00e9 \u00farokov\u00e9 sazby. A to zejm\u00e9na p\u0159i kr\u00e1tkodob\u00fdch p\u016fj\u010dk\u00e1ch. Tak\u00e9 v\u00fdhodou jsou vysok\u00e9 pokuty za nedodr\u017een\u00ed spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e a upom\u00ednky.                                                                                                                                                                                                                                                                                                                                                                                         2.7\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebankovn\u00ed spole\u010dnosti","item":"https:\/\/www.bejbex.cz\/nebankovni-spolecnosti\/#breadcrumbitem"}]}]