{"id":1164,"date":"2016-07-13T15:38:02","date_gmt":"2016-07-13T14:38:02","guid":{"rendered":"https:\/\/metso.cz\/?p=1164"},"modified":"2018-08-23T14:04:49","modified_gmt":"2018-08-23T13:04:49","slug":"bankovni-pujcky-nabizi-nejvyhodnejsi-podminky","status":"publish","type":"post","link":"https:\/\/metso.cz\/bankovni-pujcky-nabizi-nejvyhodnejsi-podminky\/","title":{"rendered":"Bankovn\u00ed p\u016fj\u010dky nab\u00edz\u00ed nejv\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky"},"content":{"rendered":"<p><a href=\"https:\/\/metso.cz\/wp-content\/uploads\/adult.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-1165 alignleft\" src=\"https:\/\/metso.cz\/wp-content\/uploads\/adult-300x200.jpg\" alt=\"p\u016fj\u010dka\" width=\"300\" height=\"200\" srcset=\"https:\/\/metso.cz\/wp-content\/uploads\/adult-300x200.jpg 300w, https:\/\/metso.cz\/wp-content\/uploads\/adult-50x33.jpg 50w, https:\/\/metso.cz\/wp-content\/uploads\/adult.jpg 510w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<p>Kam pro p\u016fj\u010dku? Pokud nad t\u00edm p\u0159em\u00fd\u0161l\u00edme, m\u00e1me na sou\u010dasn\u00e9m trhu hned dv\u011b hlavn\u00ed mo\u017enosti. Prvn\u00ed je spojena s\u00a0t\u00edm, \u017ee vyraz\u00edme do banky. Druh\u00e1 mo\u017enost je spojena s\u00a0\u017e\u00e1dost\u00ed u nebankovn\u00ed spole\u010dnosti. Spole\u010dn\u011b se pod\u00edv\u00e1me na d\u016fvody, pro\u010d je lep\u0161\u00ed p\u0159i sv\u00e9 \u017e\u00e1dosti vyu\u017e\u00edt banku.<\/p>\n<h2>Jistota f\u00e9rov\u00e9ho p\u0159\u00edstupu<\/h2>\n<p>V\u00a0nebankovn\u00edm segmentu m\u016f\u017ee dnes podnikat skute\u010dn\u011b t\u00e9m\u011b\u0159 ka\u017ed\u00fd, co\u017e m\u016f\u017ee b\u00fdt spojeno p\u0159edev\u0161\u00edm s\u00a0faktem, \u017ee je zde velmi mal\u00e1 kontrola toho, zda jsou pln\u011bny v\u0161echny podm\u00ednky a povinnosti. Naopak banky jsou kontrolov\u00e1ny hned n\u011bkolika institucemi, co\u017e znamen\u00e1, \u017ee po\u017eadovan\u00e9 <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.finmoney.cz\/bankovni-pujcka\">bankovn\u00ed p\u016fj\u010dky<\/a><\/span> jsou spojeny jak s\u00a0jistotou f\u00e9rov\u00e9ho p\u0159\u00edstupu, tak jsou spojeny tak\u00e9 s\u00a0transparentnost\u00ed a jasn\u011b nastaven\u00fdmi podm\u00ednkami. Obecn\u011b tedy m\u016f\u017eeme \u0159\u00edci, \u017ee u nich jenom m\u00e1lokdy m\u016f\u017eeme \u010dekat cokoliv nestandardn\u00edho. A to a\u0165 u\u017e mluv\u00edme o:<\/p>\n<ul>\n<li>Podm\u00ednk\u00e1ch z\u00edsk\u00e1n\u00ed<\/li>\n<li>Stanoven\u00fdch \u00farokov\u00fdch a jin\u00fdch sazb\u00e1ch<\/li>\n<li>P\u0159\u00edpadn\u00fdch sankc\u00edch za nespl\u00e1cen\u00ed<\/li>\n<\/ul>\n<h2>\u00daroky pat\u0159\u00ed k\u00a0nejni\u017e\u0161\u00edm na trhu<\/h2>\n<p>Jeliko\u017e jsme se lehce dotkli oblasti \u00farokov\u00fdch sazeb, nem\u011bli bychom na n\u011b zapom\u00ednat. A to z\u00a0toho d\u016fvodu, \u017ee \u00faroky u bankovn\u00edch p\u016fj\u010dek dnes pat\u0159\u00ed mezi ty nejni\u017e\u0161\u00ed, kter\u00e9 na na\u0161em trhu jsou. Standardem je, \u017ee se obvykle pohybuj\u00ed pod hranici deseti procent, co\u017e je sazba v\u00edce ne\u017e dobr\u00e1. Pokud se pod\u00edv\u00e1me na n\u011bkter\u00e9 inovativn\u00ed p\u0159\u00edstupy \u0159ady bank, m\u016f\u017eeme \u0159\u00edci, \u017ee se setk\u00e1me t\u0159eba i s\u00a0variantami, kam se \u0159ad\u00ed p\u016fj\u010dka bez \u00faroku, u kter\u00e9 plat\u00edme jenom jednor\u00e1zov\u00fd procentn\u00ed poplatek. I to je p\u0159\u00edstup v\u00edce ne\u017e zaj\u00edmav\u00fd, kter\u00fd pot\u011b\u0161\u00ed ka\u017ed\u00e9ho, kdo p\u016fj\u010dku pot\u0159ebuje a z\u00e1rove\u0148 na n\u00ed chce u\u0161et\u0159it.<\/p>\n<h2>Bohat\u00e1 nab\u00eddka mo\u017enost\u00ed<\/h2>\n<p>Portfolio \u00fav\u011brov\u00fdch produkt\u016f je u bank v\u00edce ne\u017e \u0161irok\u00e9. D\u00edky tomu si na sv\u00e9 p\u0159ijde skute\u010dn\u011b ka\u017ed\u00fd, bez pohledu na to, k\u00a0\u010demu p\u0159esn\u011b finan\u010dn\u00ed prost\u0159edky pot\u0159ebujme. Pokud se pod\u00edv\u00e1me konkr\u00e9tn\u011bji, m\u016f\u017eeme \u0159\u00edci, \u017ee v\u00a0bankovn\u00edm segmentu najdeme:<\/p>\n<ul>\n<li>\u00da\u010delov\u00e9 a ne\u00fa\u010delov\u00e9 p\u016fj\u010dky<\/li>\n<li>Hotovostn\u00ed a bezhotovostn\u00ed p\u016fj\u010dky<\/li>\n<li>P\u016fj\u010dky v\u00a0\u0159\u00e1dech tis\u00edc\u016f i milion\u016f korun<\/li>\n<\/ul>\n<p>V\u00fdb\u011br je tedy v\u00edce ne\u017e \u0161irok\u00fd, d\u00edky \u010demu\u017e lze financovat t\u0159eba vybaven\u00ed na\u0161eho bytu, stejn\u011b jako nen\u00ed probl\u00e9m vz\u00edt si hypot\u00e9ku, nebo \u00fav\u011br na cokoliv. Sem pat\u0159\u00ed i <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/pujckyprehledne.cz\/bankovni-pujcky\/ceska-sporitelna-pujcka\">\u010cesk\u00e1 spo\u0159itelna p\u016fj\u010dka<\/a><\/span>, kterou m\u016f\u017eeme ozna\u010dit jako za jednu z\u00a0mo\u017en\u00fdch variant, pokud hled\u00e1me ne\u00fa\u010delovou p\u016fj\u010dku ve v\u00fd\u0161i a\u017e 700\u00a0000 K\u010d, a to s\u00a0n\u00edzk\u00fdm \u00farokem a mo\u017enost\u00ed spl\u00e1cen\u00ed po dobu 84 m\u011bs\u00edc\u016f.<\/p>\n<h2>Z\u00edskat pen\u00edze lze i jednodu\u0161e<\/h2>\n<p>Bankovn\u00ed segment je obvykle spojov\u00e1n tak\u00e9 s\u00a0t\u00edm, \u017ee samotn\u00e1 \u017e\u00e1dost b\u00fdv\u00e1 spojena s\u00a0prov\u011b\u0159ov\u00e1n\u00edm registr\u016f, nebo na\u0161eho p\u0159\u00edjmu. Ani to nemus\u00ed b\u00fdt v\u017edy pravdou. Mnohdy m\u016f\u017ee z\u00e1viset jenom na finan\u010dn\u00ed historii u banky a <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.planetpujcka.cz\/vyhodna-pujcka-s-nizkym-urokem\/\">p\u016fj\u010dka s\u00a0n\u00edzk\u00fdm \u00farokem<\/a> <\/span>je poskytnuta. Zapom\u00ednat bychom nem\u011bli ale ani na to, \u017ee se lze obej\u00edt o bez potvrzov\u00e1n\u00ed p\u0159\u00edjmu. Sta\u010d\u00ed, pokud si po\u017e\u00e1d\u00e1me o p\u016fj\u010dku u banky, kde m\u00e1me standardn\u00ed \u00fa\u010det, na kter\u00fd n\u00e1m chod\u00ed v\u00fdplata. Pracovn\u00edk banky jednodu\u0161e posoud\u00ed to, kolik pen\u011bz n\u00e1m na \u00fa\u010det chod\u00ed, stejn\u011b jako posoud\u00ed i celkov\u00e9 obraty. Nic v\u00edce n\u00e1sledn\u011b nen\u00ed pro vy\u0159\u00edzen\u00ed t\u0159eba, d\u00edky \u010demu\u017e m\u016f\u017ee b\u00fdt cel\u00e1 cesta k\u00a0p\u016fj\u010dce snadn\u011bj\u0161\u00ed, ne\u017e u klasick\u00e9 nebankovn\u00ed spole\u010dnosti.<\/p>\n<h2>Jednodu\u0161e, rychle a online<\/h2>\n<p>I banky se sna\u017e\u00ed vych\u00e1zet vst\u0159\u00edc sou\u010dasn\u00fdm po\u017eadavk\u016fm klient\u016f, co\u017e se p\u0159irozen\u011b podepisuje i na tom, \u017ee je v\u0161e spojov\u00e1no s\u00a0rychlost\u00ed a jednoduchost\u00ed. Po\u017e\u00e1dat si tak lze i v\u00a0pohodl\u00ed domova, prost\u0159ednictv\u00edm internetu. Oproti nebankovn\u00edm spole\u010dnostem maj\u00ed banky i tu v\u00fdhodu, \u017ee v\u00a0r\u00e1mci internetov\u00e9ho bankovnictv\u00ed mohou nab\u00eddnout p\u0159edschv\u00e1lenou v\u00fd\u0161i \u00fav\u011bru, d\u00edky \u010demu\u017e lze danou nab\u00eddku jenom odsouhlasit a pot\u00e9 u\u017e po\u010dkat, a\u017e budou finan\u010dn\u00ed prost\u0159edky p\u0159ips\u00e1ny. I to je jedna z\u00a0v\u00fdhod, kter\u00e1 se k\u00a0bankovn\u00edmu segmentu p\u0159\u00edmo v\u00e1\u017ee. P\u0159irozen\u011b nezapom\u00ednejme tak\u00e9 na jistoty st\u00e1le rychlej\u0161\u00edho vy\u0159\u00edzen\u00ed, kter\u00e9 se u\u017e d\u00e1vno nepohybuje v\u00a0\u0159\u00e1dech t\u00fddn\u016f, ale pen\u00edze lze m\u00edt na bankovn\u00edm \u00fa\u010dtu, pop\u0159\u00edpad\u011b v\u00a0hotovosti i do n\u011bkolika dn\u00ed.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kam pro p\u016fj\u010dku? Pokud nad t\u00edm p\u0159em\u00fd\u0161l\u00edme, m\u00e1me na sou\u010dasn\u00e9m trhu hned dv\u011b hlavn\u00ed mo\u017enosti. Prvn\u00ed je spojena s\u00a0t\u00edm, \u017ee vyraz\u00edme do banky. Druh\u00e1 mo\u017enost je spojena s\u00a0\u017e\u00e1dost\u00ed u nebankovn\u00ed spole\u010dnosti. Spole\u010dn\u011b se pod\u00edv\u00e1me na d\u016fvody, pro\u010d je lep\u0161\u00ed p\u0159i sv\u00e9 \u017e\u00e1dosti vyu\u017e\u00edt banku. Jistota f\u00e9rov\u00e9ho p\u0159\u00edstupu V\u00a0nebankovn\u00edm segmentu m\u016f\u017ee dnes podnikat skute\u010dn\u011b t\u00e9m\u011b\u0159 ka\u017ed\u00fd, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1167,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[554],"tags":[427,426,425],"class_list":["post-1164","post","type-post","status-publish","format-standard","has-post-thumbnail","category-zpravy","tag-bankovni-pujcky","tag-ceska-sporitelna-pujcka","tag-pujcka-s-nizkym-urokem"],"_links":{"self":[{"href":"https:\/\/metso.cz\/wp-json\/wp\/v2\/posts\/1164","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/metso.cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/metso.cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/metso.cz\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/metso.cz\/wp-json\/wp\/v2\/comments?post=1164"}],"version-history":[{"count":0,"href":"https:\/\/metso.cz\/wp-json\/wp\/v2\/posts\/1164\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/metso.cz\/wp-json\/wp\/v2\/media\/1167"}],"wp:attachment":[{"href":"https:\/\/metso.cz\/wp-json\/wp\/v2\/media?parent=1164"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/metso.cz\/wp-json\/wp\/v2\/categories?post=1164"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/metso.cz\/wp-json\/wp\/v2\/tags?post=1164"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}