[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.klacr.cz\/bankovni-vs-nebankovni-uver-znate-rozdily-mezi-nimi\/#Article","mainEntityOfPage":"https:\/\/www.klacr.cz\/bankovni-vs-nebankovni-uver-znate-rozdily-mezi-nimi\/","headline":"Bankovn\u00ed vs. nebankovn\u00ed \u00fav\u011br: Zn\u00e1te rozd\u00edly mezi nimi?","name":"Bankovn\u00ed vs. nebankovn\u00ed \u00fav\u011br: Zn\u00e1te rozd\u00edly mezi nimi?","description":"Mnoho lid\u00ed je\u0161t\u011b st\u00e1le v\u011b\u0159\u00ed, \u017ee nebankovn\u00ed poskytovatel\u00e9 \u00fav\u011br\u016f nab\u00edz\u00ed p\u0159edra\u017een\u00e9 a mnohdy nev\u00fdhodn\u00e9 \u00fav\u011brov\u00e9 produkty, kter\u00e9 maj\u00ed jejich klienty p\u0159ipravit o posledn\u00ed mo\u017en\u00e9 finan\u010dn\u00ed \u00faspory. Je ale pot\u0159eba poznamenat, \u017ee \u0159ada t\u011bchto spole\u010dnost\u00ed je mnohdy posledn\u00ed z\u00e1chranou stanic\u00ed p\u0159ed jist\u00fdm krachem. Rychlost vy\u0159\u00edzen\u00ed \u00fav\u011bru, ale i m\u00e9n\u011b pap\u00edrov\u00e1n\u00ed hraje nebankovn\u00edm spole\u010dnostem do karet a…","datePublished":"2021-03-16","dateModified":"2021-03-16","author":{"@type":"Person","@id":"https:\/\/www.klacr.cz\/author\/#Person","name":"","url":"https:\/\/www.klacr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b682f75cb96d085fca5fbc8ca3f08e323444e236f6e6028585b73de81c46f711?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b682f75cb96d085fca5fbc8ca3f08e323444e236f6e6028585b73de81c46f711?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"klacr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.klacr.cz\/wp-content\/uploads\/pod%C3%A1n%C3%AD%20rukou_10_5.jpg","url":"https:\/\/www.klacr.cz\/wp-content\/uploads\/pod%C3%A1n%C3%AD%20rukou_10_5.jpg","height":0,"width":0},"url":"https:\/\/www.klacr.cz\/bankovni-vs-nebankovni-uver-znate-rozdily-mezi-nimi\/","about":["Internet"],"wordCount":395,"articleBody":"   Mnoho lid\u00ed je\u0161t\u011b st\u00e1le v\u011b\u0159\u00ed, \u017ee nebankovn\u00ed poskytovatel\u00e9 \u00fav\u011br\u016f nab\u00edz\u00ed p\u0159edra\u017een\u00e9 a mnohdy nev\u00fdhodn\u00e9 \u00fav\u011brov\u00e9 produkty, kter\u00e9 maj\u00ed jejich klienty p\u0159ipravit o posledn\u00ed mo\u017en\u00e9 finan\u010dn\u00ed \u00faspory. Je ale pot\u0159eba poznamenat, \u017ee \u0159ada t\u011bchto spole\u010dnost\u00ed je mnohdy posledn\u00ed z\u00e1chranou stanic\u00ed p\u0159ed jist\u00fdm krachem. Rychlost vy\u0159\u00edzen\u00ed \u00fav\u011bru, ale i m\u00e9n\u011b pap\u00edrov\u00e1n\u00ed hraje nebankovn\u00edm spole\u010dnostem do karet a mnoho lid\u00ed na n\u011b vs\u00e1z\u00ed hlavn\u011b v p\u0159\u00edpad\u011b, kdy jim banky odm\u00edtly p\u016fj\u010dit. V \u010dem jsou tedy spole\u010dnosti z nebankovn\u00edho sektoru v\u00fdhodn\u011bj\u0161\u00ed? Bankovn\u00ed p\u016fj\u010dka pro n\u00e1ro\u010dn\u00e9Bankovn\u00ed p\u016fj\u010dku nen\u00ed pot\u0159eba zdlouhav\u011b p\u0159edstavovat, zn\u00e1me j\u00ed v\u0161ichni a je v dne\u0161n\u00ed dob\u011b v nab\u00eddce u\u017e v\u011bt\u0161iny bank. \u017dadatel\u00e9 j\u00ed ale vyu\u017eij\u00ed prim\u00e1rn\u011b k financov\u00e1n\u00ed v\u011bt\u0161\u00edch z\u00e1vazk\u016f, jako je po\u0159\u00edzen\u00ed vlastn\u00edho bydlen\u00ed, studium v zahrani\u010d\u00ed nebo po\u0159\u00edzen\u00ed vlastn\u00edho automobilu. Bankovn\u00ed p\u016fj\u010dky st\u00e1le nab\u00edz\u00ed nejv\u00fdhodn\u011bj\u0161\u00ed \u00farok, jejich schvalovac\u00ed proces je ale zdlouhav\u00fd a mnohdy s nejasn\u00fdm v\u00fdsledkem.Pokud se klient ze dne na den ocitne v t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situaci, banky i kdyby cht\u011bly, mu nedok\u00e1\u017e\u00ed tak rychle pomoci. Na trhu je v sou\u010dasnosti p\u0159ebytek likvidity a bankovn\u00ed subjekty doslova bojuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta. Proti nim ale bohu\u017eel stoj\u00ed slo\u017eit\u00e1 legislativa a \u00famrtnost na n\u011bkter\u00fdch \u00fav\u011brov\u00fdch produktech je tak vysok\u00e1. Nebankovn\u00ed p\u016fj\u010dka v t\u011b\u017ek\u00e9 \u017eivotn\u00ed situaciNebankovn\u00ed p\u016fj\u010dky jsou v\u00fdhodn\u00e9 pro ty, kte\u0159\u00ed se z nenad\u00e1n\u00ed ocitli v t\u011b\u017ek\u00e9 \u017eivotn\u00ed situaci a nev\u00ed, jak z n\u00ed ven. Jej\u00ed vy\u0159\u00edzen\u00ed je vcelku snadn\u00e9, bez zbyte\u010dn\u00e9ho pap\u00edrov\u00e1n\u00ed a byrokracie. V n\u011bkter\u00fdch p\u0159\u00edpadech je mo\u017en\u00e9 m\u00edt u\u017e v ten sam\u00fd den pen\u00edze na \u00fa\u010dtu. Nebankovn\u00ed subjekty v\u0161ak nenab\u00edz\u00ed pouze rychl\u00e9 p\u016fj\u010dky k uha\u0161en\u00ed nahodil\u00fdch v\u00fddaj\u016f, u \u0159ady z nich je mo\u017en\u00e9 narazit i na hypote\u010dn\u00ed \u00fav\u011bry. Americk\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f je \u00fav\u011brov\u00fd produkt pro \u017eadatele, kter\u00fdm banky odm\u00edtly p\u016fj\u010dit.                                                                                                                                                                                                                                                                                                                                                                                                   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