{"id":2801,"date":"2025-07-31T17:28:16","date_gmt":"2025-07-31T15:28:16","guid":{"rendered":"https:\/\/e-prumysl.cz\/?p=2801"},"modified":"2025-07-31T17:28:17","modified_gmt":"2025-07-31T15:28:17","slug":"chcete-pujcku-mimo-banku-takto-vyberete-seriozniho-poskytovatele","status":"publish","type":"post","link":"https:\/\/www.e-prumysl.cz\/?p=2801","title":{"rendered":"Chcete p\u016fj\u010dku mimo banku? Takto vyberete seri\u00f3zn\u00edho poskytovatele"},"content":{"rendered":"\n

Nebankovn\u00ed p\u016fj\u010dky jsou \u0159e\u0161en\u00edm v t\u00ed\u017eiv\u00e9 situaci a jsou dostupn\u00e9 \u0161irok\u00e9mu spektru klient\u016f. Poskytovatel\u016f jsou ale des\u00edtky a je d\u016fle\u017eit\u00e9 v\u011bd\u011bt, jak rozeznat seri\u00f3zn\u00ed nebankovn\u00ed instituci a na co si p\u0159i v\u00fdb\u011bru p\u016fj\u010dky d\u00e1t pozor.<\/p>\n\n\n\n

Vyb\u00edrejte nebankovn\u00ed instituci<\/h2>\n\n\n\n

Nebankovn\u00ed p\u016fj\u010dky jsou alternativou k bankovn\u00edmu financov\u00e1n\u00ed. Jsou v\u00fdhodn\u00e9 pro \u017eadatele, kte\u0159\u00ed z r\u016fzn\u00fdch d\u016fvod\u016f nemohou nebo necht\u011bj\u00ed vyu\u017e\u00edt tradi\u010dn\u00ed p\u016fj\u010dku od banky. Trh s nebankovn\u00edmi p\u016fj\u010dkami je rozmanit\u00fd, krom\u011b rychl\u00e9ho a dostupn\u00e9ho \u0159e\u0161en\u00ed finan\u010dn\u00ed t\u00edsn\u011b nab\u00edz\u00ed i p\u016fj\u010dky, kter\u00e9 s sebou nesou vysok\u00e9 n\u00e1klady a dal\u0161\u00ed rizika. Poskytovatel\u016f nebankovn\u00edch p\u016fj\u010dek existuje v\u00edce ne\u017e sto, jsou mezi nimi subjekty, kte\u0159\u00ed nam\u00edsto
pro-klientsk\u00e9ho p\u0159\u00edstupu sleduj\u00ed maximalizaci vlastn\u00edho zisku.<\/p>\n\n\n\n

Neseri\u00f3zn\u00ed poskytovatel m\u016f\u017ee dostat \u017eadatele o p\u016fj\u010dku do mnohem n\u00e1ro\u010dn\u011bj\u0161\u00ed situace, ne\u017e v jak\u00e9 se nach\u00e1zel p\u0159ed sjedn\u00e1n\u00edm p\u016fj\u010dky, v nejhor\u0161\u00ed variant\u011b do dluhov\u00e9 spir\u00e1ly. Proto je d\u016fle\u017eit\u00e9, pe\u010dliv\u011b vyb\u00edrat poskytovatele nebankovn\u00ed p\u016fj\u010dky a nau\u010dit se spr\u00e1vn\u011b hospoda\u0159it s pen\u011bzi.<\/p>\n\n\n\n

Opr\u00e1vn\u011bn\u00ed \u010dinnosti a dlouholet\u00e1 historie<\/h1>\n\n\n\n

Nebankovn\u00ed poskytovatel\u00e9 p\u016fj\u010dek, kte\u0159\u00ed poskytuj\u00ed \u00fav\u011bry podle z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, spadaj\u00ed pod regulaci \u010cNB a maj\u00ed od \u010cesk\u00e9 n\u00e1rodn\u00ed banky licenci. Takov\u00e9 spole\u010dnosti mus\u00ed m\u00edt dostate\u010dn\u00e9 odborn\u00e9 z\u00e1zem\u00ed, finan\u010dn\u00ed stabilitu a jsou povinny poskytovat seri\u00f3zn\u00ed p\u016fj\u010dky s transparentn\u00edmi podm\u00ednkami.<\/p>\n\n\n\n

Ov\u011b\u0159en\u00ed licence je mo\u017en\u00e9 na webov\u00fdch str\u00e1nk\u00e1ch \u010cNB v seznamu regulovan\u00fdch subjekt\u016f.<\/p>\n\n\n\n

Krom\u011b nebankovn\u00edch poskytovatel\u016f p\u016fj\u010dek pro spot\u0159ebitele funguj\u00ed na trhu \u00fav\u011brov\u00e9 spole\u010dnosti pro podnikatele a \u017eivnostn\u00edky. Poskytnut\u00ed podnikatelsk\u00e9 p\u016fj\u010dky se \u0159\u00edd\u00ed smlouvou mezi subjekty, p\u016fj\u010dky nemus\u00ed spl\u0148ovat po\u017eadavky kladen\u00e9 na spot\u0159ebitelsk\u00e9 \u00fav\u011bry. Seri\u00f3zn\u00ed poskytovatel se pozn\u00e1 podle stabiln\u00ed pozice na trhu, ale i podle recenz\u00ed od ostatn\u00edch u\u017eivatel\u016f.<\/p>\n\n\n\n

Transparentn\u00ed smluvn\u00ed podm\u00ednky<\/h1>\n\n\n\n

D\u016fle\u017eit\u00fdm ukazatelem seri\u00f3znosti poskytovatele je p\u0159ehlednost smluvn\u00ed dokumentace. D\u016fv\u011bryhodn\u00fd poskytovatel p\u0159edkl\u00e1d\u00e1 \u017eadateli smlouvy p\u0159edem, ty neobsahuj\u00ed \u017e\u00e1dn\u00e9 nejasn\u00e9 formulace nebo stat\u011b psan\u00e9 drobn\u00fdm p\u00edsmem. V\u0161echny v\u00fdrazy mus\u00ed b\u00fdt jasn\u00e9, celkov\u00e9 n\u00e1klady p\u016fj\u010dky z\u0159ejm\u00e9, dal\u0161\u00ed poplatky vy\u010d\u00edslen\u00e9. Pokud jsou pojmy pod\u00e1ny nejednozna\u010dn\u011b nebo jim \u017eadatel o p\u016fj\u010dku nerozum\u00ed, je to varovn\u00fdm sign\u00e1lem. Sou\u010d\u00e1st\u00ed smluvn\u00ed dokumentace mus\u00ed b\u00fdt RPSN p\u016fj\u010dky a podrobn\u011b rozepsan\u00fd spl\u00e1tkov\u00fd kalend\u00e1\u0159. Vhodn\u00e9 je sezn\u00e1mit se s reprezentativn\u00edm p\u0159\u00edkladem.<\/p>\n\n\n\n

Z\u00e1kaznick\u00fd servis a dostupnost informac\u00ed<\/h1>\n\n\n\n

Profesionalita poskytovatele se odr\u00e1\u017e\u00ed v tom, jak\u00fdm zp\u016fsobem komunikuje s klienty. Neseri\u00f3zn\u00ed poskytovatel m\u00e1 pouze kontaktn\u00ed formul\u00e1\u0159, neprovozuje telefonn\u00ed linky a nen\u00ed k dispozici v s\u00eddle spole\u010dnosti.<\/p>\n\n\n\n

D\u016fv\u011bryhodn\u00fd poskytovatel m\u00e1 profesion\u00e1ln\u011b zpracovan\u00e9 webov\u00e9 str\u00e1nky, zve\u0159ej\u0148uje d\u016fle\u017eit\u00e9 informace, poskytuje smluvn\u00ed dokumentaci k nahl\u00e9dnut\u00ed a m\u016f\u017eete jej kontaktovat emailem, telefonicky, p\u0159es online chat nebo osobn\u011b na pobo\u010dce. S\u00eddlo spole\u010dnosti nen\u00ed virtu\u00e1ln\u00ed, jsou zve\u0159ejn\u011bni vlastn\u00edci spole\u010dnosti. Smlouvy nejsou uzav\u00edr\u00e1ny v \u010dasov\u00e9 t\u00edsni, na klienta nen\u00ed vyv\u00edjen \u017e\u00e1dn\u00fd n\u00e1tlak.<\/p>\n\n\n\n

Hodnocen\u00ed klient\u016f<\/h1>\n\n\n\n

Zp\u011btn\u00e1 vazba od p\u0159edchoz\u00edch klient\u016f poskytuje d\u016fle\u017eit\u00e9 informace. Lze dohledat nez\u00e1visl\u00e9 a ov\u011b\u0159en\u00e9 recenze, kter\u00e9 zve\u0159ej\u0148uj\u00ed re\u00e1ln\u00e9 zku\u0161enosti p\u0159edchoz\u00edch nebo sou\u010dasn\u00fdch klient\u016f. Pokud se opakovan\u011b objevuj\u00ed zpr\u00e1vy s pouk\u00e1z\u00e1n\u00edm na skryt\u00e9 poplatky nebo agresivn\u00ed vym\u00e1h\u00e1n\u00ed dlu\u017en\u00fdch \u010d\u00e1stek, je na m\u00edst\u011b vysok\u00e1 m\u00edra ned\u016fv\u011bry. V takov\u00e9m p\u0159\u00edpad\u011b pom\u00e1h\u00e1 nez\u00e1visl\u00fd online srovn\u00e1va\u010d p\u016fj\u010dek MojeNebankovka.cz<\/a>, kter\u00fd pracuje s ov\u011b\u0159en\u00fdmi daty a uv\u00e1d\u00ed p\u0159ehledn\u011b parametry \u00fav\u011br\u016f od prov\u011b\u0159en\u00fdch poskytovatel\u016f.<\/p>\n\n\n\n

Praktick\u00e9 rady, jak v dom\u00e1cnosti hospoda\u0159it s pen\u011bzi<\/h1>\n\n\n\n
    \n
  1. Vytvo\u0159en\u00ed a pravideln\u00e9 sledov\u00e1n\u00ed osobn\u00edho nebo rodinn\u00e9ho rozpo\u010dtu.<\/li>\n\n\n\n
  2. Identifikovat polo\u017eky, kter\u00e9 jsou zbytn\u00e9 nebo na kter\u00fdch je mo\u017en\u00e9 u\u0161et\u0159it.<\/li>\n\n\n\n
  3. Vybudovat dostate\u010dn\u011b vysokou finan\u010dn\u00ed rezervu.<\/li>\n\n\n\n
  4. Vyh\u00fdbat se impulzivn\u00edm n\u00e1kup\u016fm, nakupovat pouze podle seznamu.<\/li>\n\n\n\n
  5. Nastavit finan\u010dn\u00ed c\u00edle na kr\u00e1tkodob\u00fd, st\u0159edn\u011bdob\u00fd a dlouhodob\u00fd horizont.<\/li>\n\n\n\n
  6. Pravideln\u011b se vzd\u011bl\u00e1vat ve finan\u010dn\u00ed gramotnosti.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"

    Nebankovn\u00ed p\u016fj\u010dky jsou \u0159e\u0161en\u00edm v t\u00ed\u017eiv\u00e9 situaci a jsou dostupn\u00e9 \u0161irok\u00e9mu spektru klient\u016f. Poskytovatel\u016f jsou ale des\u00edtky a je d\u016fle\u017eit\u00e9 v\u011bd\u011bt, jak rozeznat seri\u00f3zn\u00ed nebankovn\u00ed instituci a na co si p\u0159i v\u00fdb\u011bru p\u016fj\u010dky d\u00e1t pozor. Vyb\u00edrejte nebankovn\u00ed instituci Nebankovn\u00ed p\u016fj\u010dky jsou alternativou k bankovn\u00edmu financov\u00e1n\u00ed. Jsou v\u00fdhodn\u00e9 pro \u017eadatele, kte\u0159\u00ed z r\u016fzn\u00fdch d\u016fvod\u016f nemohou nebo necht\u011bj\u00ed vyu\u017e\u00edt tradi\u010dn\u00ed […]<\/p>\n","protected":false},"author":4,"featured_media":2802,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[789],"tags":[],"class_list":["post-2801","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"yoast_head":"\nChcete p\u016fj\u010dku mimo banku? Takto vyberete seri\u00f3zn\u00edho poskytovatele - e Pr\u016fmysl<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.e-prumysl.cz\/?p=2801\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Chcete p\u016fj\u010dku mimo banku? Takto vyberete seri\u00f3zn\u00edho poskytovatele - e Pr\u016fmysl\" \/>\n<meta property=\"og:description\" content=\"Nebankovn\u00ed p\u016fj\u010dky jsou \u0159e\u0161en\u00edm v t\u00ed\u017eiv\u00e9 situaci a jsou dostupn\u00e9 \u0161irok\u00e9mu spektru klient\u016f. Poskytovatel\u016f jsou ale des\u00edtky a je d\u016fle\u017eit\u00e9 v\u011bd\u011bt, jak rozeznat seri\u00f3zn\u00ed nebankovn\u00ed instituci a na co si p\u0159i v\u00fdb\u011bru p\u016fj\u010dky d\u00e1t pozor. Vyb\u00edrejte nebankovn\u00ed instituci Nebankovn\u00ed p\u016fj\u010dky jsou alternativou k bankovn\u00edmu financov\u00e1n\u00ed. Jsou v\u00fdhodn\u00e9 pro \u017eadatele, kte\u0159\u00ed z r\u016fzn\u00fdch d\u016fvod\u016f nemohou nebo necht\u011bj\u00ed vyu\u017e\u00edt tradi\u010dn\u00ed […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.e-prumysl.cz\/?p=2801\" \/>\n<meta property=\"og:site_name\" content=\"e Pr\u016fmysl\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-31T15:28:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-31T15:28:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.e-prumysl.cz\/wp-content\/uploads\/2025\/07\/Snimek-obrazovky-2025-07-31-172351.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1184\" \/>\n\t<meta property=\"og:image:height\" content=\"791\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ing.\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ing.\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minuty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.e-prumysl.cz\\\/?p=2801#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.e-prumysl.cz\\\/?p=2801\"},\"author\":{\"name\":\"Ing.\",\"@id\":\"https:\\\/\\\/e-prumysl.cz\\\/#\\\/schema\\\/person\\\/05954951568c65068bf6313f9feb0d4c\"},\"headline\":\"Chcete p\u016fj\u010dku mimo banku? 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