[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.honan.cz\/riziko-nebankovnich-pujcek\/#Article","mainEntityOfPage":"https:\/\/www.honan.cz\/riziko-nebankovnich-pujcek\/","headline":"Riziko nebankovn\u00edch p\u016fj\u010dek","name":"Riziko nebankovn\u00edch p\u016fj\u010dek","description":"Doba je zl\u00e1 a nedostatek financ\u00ed postihuje v\u011bt\u0161inu z na\u0161ich bl\u00edzk\u00fdch, koleg\u016f a dal\u0161\u00edch lid\u00ed kolem n\u00e1s. T\u00ed\u017eiv\u00e9 situace velmi hojn\u011b vyu\u017e\u00edvaj\u00ed ke sv\u00e9mu prosp\u011bchu … ","datePublished":"2022-03-28","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.honan.cz\/author\/#Person","name":"","url":"https:\/\/www.honan.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"honan.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.honan.cz\/wp-content\/uploads\/eura%20v%20pen%C4%9B%C5%BEence_10_8.jpg","url":"https:\/\/www.honan.cz\/wp-content\/uploads\/eura%20v%20pen%C4%9B%C5%BEence_10_8.jpg","height":0,"width":0},"url":"https:\/\/www.honan.cz\/riziko-nebankovnich-pujcek\/","about":["Pen\u00edze"],"wordCount":436,"articleBody":"Doba je zl\u00e1 a nedostatek financ\u00ed postihuje v\u011bt\u0161inu z na\u0161ich bl\u00edzk\u00fdch, koleg\u016f a dal\u0161\u00edch lid\u00ed kolem n\u00e1s. T\u00ed\u017eiv\u00e9 situace velmi hojn\u011b vyu\u017e\u00edvaj\u00ed ke sv\u00e9mu prosp\u011bchu nebankovn\u00ed instituce, kter\u00fdch se za posledn\u00ed l\u00e9ta na trhu objevilo hned n\u011bkolik des\u00edtek.Zn\u00ed to velmi l\u00e1kav\u011b. P\u016fj\u010dka t\u00e9m\u011b\u0159 bez\u00faro\u010dn\u00e1, rychl\u00e1, v \u0159\u00e1du minut i o v\u00edkendech. Jejich dostupnost je prakticky 24 hodin denn\u011b, 7 dn\u00ed v t\u00fddnu.Ale ve valn\u00e9 v\u011bt\u0161in\u011b p\u0159\u00edpadech nast\u00e1v\u00e1, \u017ee moment\u00e1ln\u00ed chv\u00edle zoufalosti n\u00e1s nut\u00ed vid\u011bt tuto mo\u017enost jako jedin\u00e9 v\u00fdchodisko. V\u011bt\u0161ina nebankovn\u00edch p\u016fj\u010dek se \u0159ad\u00ed p\u0159edev\u0161\u00edm mezi kr\u00e1tkodob\u00e9. V praxi to znamen\u00e1, \u017ee doba splatnosti je na 30 dn\u00ed, minim\u00e1ln\u00ed \u00farok, u prvn\u00ed p\u016fj\u010dky m\u016f\u017ee b\u00fdt i bez\u00faro\u010dn\u00e1 a v p\u0159\u00edpad\u011b nemo\u017enosti spl\u00e1cet je men\u0161\u00ed poplatek za prodlou\u017een\u00ed na dal\u0161\u00ed m\u011bs\u00edc. Jeliko\u017e V\u00e1m v\u011bt\u0161\u00ed \u010d\u00e1stku nemus\u00ed p\u016fj\u010dit, s\u00e1hnete po mal\u00e9 p\u016fj\u010dce.A zde u\u017e nast\u00e1v\u00e1 zlom, ne\u017e se rozhodnete vyu\u017e\u00edt t\u011bchto slu\u017eeb, zodpov\u011bzte si tyto ot\u00e1zky:\u201eTento m\u011bs\u00edc pen\u00edze nem\u00e1m, budu je m\u00edt p\u0159\u00ed\u0161t\u00ed m\u011bs\u00edc?\u201cJe to ot\u00e1zka, na kterou by si m\u011bl ka\u017ed\u00fd odpov\u011bd\u011bt. Pokud jste tento m\u011bs\u00edc nevy\u0161ly s pen\u011bzi, je v\u00edce ne\u017e na m\u00edst\u011b o tu stejnou \u010d\u00e1stku pon\u00ed\u017eit rozpo\u010det na dal\u0161\u00ed m\u011bs\u00edc, nebo snad m\u00e1te jistotu, \u017ee v\u00e1m p\u0159\u00ed\u0161t\u00ed m\u011bs\u00edc op\u011bt nebudou chyb\u011bt.\u201ePro\u010d pot\u0159ebuji p\u016fj\u010dku?\u201cJe d\u016fle\u017eit\u00e9 probl\u00e9my \u0159e\u0161it, ale je\u0161t\u011b d\u016fle\u017eit\u011bj\u0161\u00ed je jim p\u0159edch\u00e1zet. Co zp\u016fsobilo nenad\u00e1le v\u00fddaje? Zamyslete se nad t\u00edm, zda opravdu p\u016fj\u010dku pot\u0159ebujete. Pokud t\u00edm chcete ukojit jen sv\u016fj rozmar, nebo v tom hor\u0161\u00edm p\u0159\u00edpad\u011b z\u00e1vislost, ned\u011blejte to.\u00a0\u201eDok\u00e1\u017eu sv\u00e9 z\u00e1vazky splatit?\u201cM\u011blo by to b\u00fdt to prvn\u00ed, co v\u00e1s napadne. Tato ot\u00e1zka jde ruku v ruce s t\u011bmi p\u0159edchoz\u00edmi. Je nutn\u00e9, abyste si sestavili rozpo\u010det a napsali ve\u0161ker\u00e9 n\u00e1klady. Nepo\u010d\u00edtejte sv\u00e9 finance zp\u016fsobem, zda v\u00e1m na spl\u00e1tku zbydou pen\u00edze, ale uve\u010fte ji do pevn\u00fdch n\u00e1klad\u016f. V\u011b\u0159itel\u00e9 nemohou po\u010dkat, nov\u00fd telefon ano.                                                                                                                                                                                                                                                                                                                                                                                        4.7\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Riziko nebankovn\u00edch p\u016fj\u010dek","item":"https:\/\/www.honan.cz\/riziko-nebankovnich-pujcek\/#breadcrumbitem"}]}]