{"id":10476,"date":"2026-01-02T08:15:34","date_gmt":"2026-01-02T08:15:34","guid":{"rendered":"https:\/\/james.felttouch.com\/?p=10476"},"modified":"2026-06-19T08:15:38","modified_gmt":"2026-06-19T08:15:38","slug":"co-jsou-nebankovni-pujcky-nad-70-let-bankovni-pujcky","status":"publish","type":"post","link":"https:\/\/james.felttouch.com\/?p=10476","title":{"rendered":"Co jsou nebankovn\u00ed p\u016fj\u010dky nad 70 let bankovn\u00ed p\u016fj\u010dky?"},"content":{"rendered":"<div id=\"toc\" style=\"background: #f9f9f9; border: 1px solid #aaa; display: table; margin-bottom: 1em; padding: 1em; width: 350px;\">\n<p class=\"toctitle\" style=\"font-weight: bold; text-align: center;\">\u010cl\u00e1nky s obsahem<\/p>\n<ul class=\"toc_list\">\n<li><a href=\"#toc-0\">P\u0159edkvalifikace<\/a><\/li>\n<li><a href=\"#toc-1\">Aplikace<\/a><\/li>\n<li><a href=\"#toc-2\">\u00darokov\u00e9 sazby<\/a><\/li>\n<li><a href=\"#toc-3\">Spl\u00e1cen\u00ed<\/a><\/li>\n<\/ul>\n<\/div>\n<p>Bankovn\u00ed \u00fav\u011br je typ zaji\u0161t\u011bn\u00e9ho dluhu, kter\u00fd vy\u017eaduje z\u00e1stavu aktiv. M\u016f\u017ee pomoci podnik\u016fm, kter\u00e9 nemaj\u00ed dostatek likvidn\u00edch aktiv na n\u00e1kup vybaven\u00ed nebo financov\u00e1n\u00ed velk\u00e9ho projektu.<\/p>\n<p>Mnoho bank nab\u00edz\u00ed p\u0159edb\u011b\u017en\u00e9 schv\u00e1len\u00ed bankovn\u00edch \u00fav\u011br\u016f, co\u017e m\u016f\u017ee b\u00fdt efektivn\u00ed zp\u016fsob, jak zjistit, kolik pen\u011bz si m\u016f\u017eete p\u016fj\u010dit. <!--more--> Po pod\u00e1n\u00ed \u017e\u00e1dosti banka provede d\u016fkladnou kontrolu \u00fav\u011bruschopnosti, kter\u00e1 m\u016f\u017ee do\u010dasn\u011b sn\u00ed\u017eit va\u0161e kreditn\u00ed sk\u00f3re o n\u011bkolik bod\u016f.<\/p>\n<h2 id=\"toc-0\">P\u0159edkvalifikace<\/h2>\n<p>Proces z\u00edsk\u00e1n\u00ed bankovn\u00ed p\u016fj\u010dky se li\u0161\u00ed v z\u00e1vislosti na v\u011b\u0159iteli, ale obecn\u011b je rychl\u00fd a p\u0159\u00edmo\u010dar\u00fd. Dlu\u017en\u00edk obvykle p\u0159edlo\u017e\u00ed z\u00e1kladn\u00ed finan\u010dn\u00ed p\u0159ehled, jako je p\u0159\u00edjem, dluhy a majetek. V\u011b\u0159itel pot\u00e9 odhadne, kolik si dan\u00e1 osoba m\u016f\u017ee p\u016fj\u010dit. Tento odhad se naz\u00fdv\u00e1 p\u0159edb\u011b\u017en\u00e1 kvalifikace. Pojem p\u0159edb\u011b\u017en\u00e1 kvalifikace se \u010dasto pou\u017e\u00edv\u00e1 zam\u011bniteln\u011b s pojmem p\u0159edb\u011b\u017en\u00e9 schv\u00e1len\u00ed, a\u010dkoli mezi t\u011bmito dv\u011bma procesy existuj\u00ed ur\u010dit\u00e9 rozd\u00edly.<\/p>\n<p>P\u0159edb\u011b\u017en\u00e9 schv\u00e1len\u00ed je d\u016fkladn\u011bj\u0161\u00ed posouzen\u00ed finan\u010dn\u00ed situace dlu\u017en\u00edka. B\u011bhem tohoto procesu v\u011b\u0159itel ov\u011b\u0159\u00ed v\u0161echny informace o dlu\u017en\u00edkovi a poskytne p\u0159esnou \u010d\u00e1stku, kolik je dan\u00e1 osoba schopna p\u016fj\u010dit. Toto je p\u0159esn\u011bj\u0161\u00ed m\u011b\u0159\u00edtko \u00fav\u011bruschopnosti potenci\u00e1ln\u00edho dlu\u017en\u00edka a m\u016f\u017ee b\u00fdt pou\u017eito k tomu, aby dlu\u017en\u00edk mohl s jistotou nab\u00edzet \u00farokov\u00e9 sazby.<\/p>\n<p>B\u011bhem procesu p\u0159edb\u011b\u017en\u00e9ho schv\u00e1len\u00ed v\u011b\u0159itel\u00e9 obvykle provedou kontrolu \u00fav\u011bruschopnosti pomoc\u00ed tzv. \u201em\u011bkk\u00e9ho dotazu\u201c. Ten nen\u00ed tak p\u0159\u00edsn\u00fd jako samotn\u00e1 \u017e\u00e1dost o \u00fav\u011br a nebude m\u00edt vliv na va\u0161e kreditn\u00ed sk\u00f3re. V\u011b\u0159itel si tak\u00e9 vy\u017e\u00e1d\u00e1 kopie da\u0148ov\u00fdch p\u0159izn\u00e1n\u00ed a v\u00fdplatn\u00edch p\u00e1sek. To m\u016f\u017ee b\u00fdt \u010dasov\u011b n\u00e1ro\u010dn\u00e9 a m\u016f\u017ee zpomalit proces schvalov\u00e1n\u00ed \u00fav\u011bru, ale je d\u016fle\u017eit\u00e9 zajistit, aby byly poskytnuty v\u0161echny po\u017eadovan\u00e9 dokumenty. V\u011b\u0159itel pot\u00e9 vyd\u00e1 dopis s uveden\u00edm v\u00fd\u0161e \u00fav\u011bru pro dlu\u017en\u00edka.<\/p>\n<h2 id=\"toc-1\">Aplikace<\/h2>\n<p>Proces \u017e\u00e1dosti o bankovn\u00ed \u00fav\u011br je zdlouhav\u00fd a \u010dasov\u011b n\u00e1ro\u010dn\u00fd. Zahrnuje \u0159adu krok\u016f, v\u010detn\u011b ov\u011b\u0159en\u00ed dokument\u016f, kter\u00e9 m\u016f\u017ee chv\u00edli trvat. \u010casov\u00fd r\u00e1mec z\u00e1vis\u00ed na finan\u010dn\u00ed instituci a m\u016f\u017ee se <a href=\"https:\/\/pujka-online.cz\/pujcky-pro-duchodce\/\">nebankovn\u00ed p\u016fj\u010dky nad 70 let<\/a> pohybovat od n\u011bkolika dn\u016f do n\u011bkolika m\u011bs\u00edc\u016f. Abyste se vyhnuli zpo\u017ed\u011bn\u00edm, doporu\u010duje se p\u0159edlo\u017eit v\u0161echny po\u017eadovan\u00e9 dokumenty v\u010das. Banka tak\u00e9 po\u017eaduje, aby dlu\u017en\u00edk poskytl z\u00e1ruku splacen\u00ed v p\u0159\u00edpad\u011b prodlen\u00ed. Typ z\u00e1stavy bude z\u00e1viset na velikosti a povaze \u00fav\u011bru, p\u0159i\u010dem\u017e v\u011bt\u0161ina \u00fav\u011br\u016f vy\u017eaduje hmotn\u00fd majetek, jako jsou nemovitosti nebo vybaven\u00ed.<\/p>\n<p>Jakmile jsou po\u017eadovan\u00e9 dokumenty p\u0159edlo\u017eeny, \u00fav\u011brov\u00e9 odd\u011blen\u00ed zkontroluje jejich p\u0159esnost, pravost a \u00faplnost. Pokud n\u011bjak\u00e9 informace chyb\u00ed, budou od dlu\u017en\u00edka vy\u017e\u00e1d\u00e1ny. Tato f\u00e1ze se \u010dasto ozna\u010duje jako kontrola kvality. V\u00fdsledek t\u00e9to f\u00e1ze ur\u010d\u00ed, zda bude \u00fav\u011br schv\u00e1len, \u010di nikoli.<\/p>\n<p>Ve srovn\u00e1n\u00ed s jin\u00fdmi metodami financov\u00e1n\u00ed mohou bankovn\u00ed \u00fav\u011bry nab\u00edzet atraktivn\u00ed podm\u00ednky a n\u00edzk\u00e9 \u00farokov\u00e9 sazby. Nejsou v\u0161ak vhodn\u00e9 pro spole\u010dnosti s malou nebo \u017e\u00e1dnou \u00fav\u011brovou histori\u00ed nebo s chyb\u011bj\u00edc\u00edmi standardn\u00edmi \u00fa\u010detn\u00edmi v\u00fdkazy. Pro tyto typy podnik\u016f je nejlep\u0161\u00ed po\u017e\u00e1dat o podnikatelskou kreditn\u00ed kartu nebo vyu\u017e\u00edt alternativn\u00ed zdroje financov\u00e1n\u00ed. Nap\u0159\u00edklad online v\u011b\u0159itel\u00e9 nab\u00edzej\u00ed kr\u00e1tkodob\u00e9 p\u016fj\u010dky a podnikatelsk\u00e9 kreditn\u00ed karty, kter\u00e9 nevy\u017eaduj\u00ed minim\u00e1ln\u00ed kreditn\u00ed sk\u00f3re ani \u00fav\u011brovou historii.<\/p>\n<h2 id=\"toc-2\">\u00darokov\u00e9 sazby<\/h2>\n<p>\u00darokov\u00e1 sazba bankovn\u00edho \u00fav\u011bru je \u010d\u00e1stka, kterou mus\u00ed dlu\u017en\u00edk v pr\u016fb\u011bhu \u010dasu zaplatit v\u011b\u0159iteli. Vypo\u010d\u00edt\u00e1 se vyn\u00e1soben\u00edm jistiny \u00fav\u011bru \u00farokovou sazbou a vyd\u011blen\u00edm po\u010dtem let, po kter\u00e9 bude \u00fav\u011br spl\u00e1cen. V\u00fdsledkem je celkov\u00e1 \u010d\u00e1stka, kterou bude dlu\u017en\u00edk dlu\u017eit na konci doby spl\u00e1cen\u00ed \u00fav\u011bru, kter\u00e1 se obvykle uv\u00e1d\u00ed jako ro\u010dn\u00ed procentn\u00ed sazba (RPSN).<\/p>\n<p>Banky stanovuj\u00ed \u00farokov\u00e9 sazby tak, aby maximalizovaly ziskovost sv\u00fdch \u00fav\u011br\u016f, s v\u00fdhradou p\u0159im\u011b\u0159en\u00e9ho rizika, \u017ee n\u011bkte\u0159\u00ed dlu\u017en\u00edci sv\u00e9 \u00fav\u011bry nesplat\u00ed. Proto maj\u00ed r\u016fzn\u00e9 typy bankovn\u00edch \u00fav\u011br\u016f r\u016fzn\u00e9 \u00farokov\u00e9 sazby. Nap\u0159\u00edklad dluhy z kreditn\u00edch karet m\u00edvaj\u00ed vy\u0161\u0161\u00ed sazby ne\u017e hypot\u00e9ky na bydlen\u00ed. Je to proto, \u017ee banky u dluh\u016f z kreditn\u00edch karet p\u0159eb\u00edraj\u00ed vy\u0161\u0161\u00ed m\u00edru \u00fav\u011brov\u00e9ho rizika ne\u017e u hypot\u00e9k na bydlen\u00ed.<\/p>\n<p>Dal\u0161\u00edm faktorem, kter\u00fd ovliv\u0148uje \u00farokov\u00e9 sazby z \u00fav\u011br\u016f, jsou n\u00e1klady na z\u00edsk\u00e1v\u00e1n\u00ed finan\u010dn\u00edch prost\u0159edk\u016f pro banku. Tomu se \u0159\u00edk\u00e1 \u201ehotovostn\u00ed sazba\u201c banky. Zm\u011bny hotovostn\u00ed sazby ovliv\u0148uj\u00ed \u00farokov\u00e9 sazby bank z \u00fav\u011br\u016f, ale ne v\u017edy se m\u011bn\u00ed stejnou m\u00edrou nebo stejnou rychlost\u00ed. Krom\u011b toho jsou \u00faroky, kter\u00e9 si st\u0159adatel\u00e9 v bance vyd\u011blaj\u00ed, tak\u00e9 ovlivn\u011bny zm\u011bnami hotovostn\u00ed sazby.<\/p>\n<h2 id=\"toc-3\">Spl\u00e1cen\u00ed<\/h2>\n<p>Spl\u00e1cen\u00ed je proces vracen\u00ed vyp\u016fj\u010den\u00fdch finan\u010dn\u00edch prost\u0159edk\u016f v\u011b\u0159iteli b\u011bhem stanoven\u00e9ho obdob\u00ed. Obvykle se jedn\u00e1 o pravideln\u00e9 platby jistiny a \u00farok\u016f \u00fa\u010dtovan\u00fdch z \u00fav\u011bru. Dlu\u017en\u00edci by se m\u011bli v\u017edy ujistit, \u017ee si mohou dovolit spl\u00e1cet sv\u00e9 dluhy v\u010das, proto\u017ee nedodr\u017een\u00ed t\u00e9to podm\u00ednky m\u016f\u017ee m\u00edt nep\u0159\u00edzniv\u00e9 finan\u010dn\u00ed d\u016fsledky.<\/p>\n<p>Spl\u00e1cen\u00ed bankovn\u00edho \u00fav\u011bru lze prov\u00e9st r\u016fzn\u00fdmi zp\u016fsoby, v\u010detn\u011b m\u011bs\u00ed\u010dn\u00edch nebo jednor\u00e1zov\u00fdch plateb. Celkovou dlu\u017enou \u010d\u00e1stku lze ur\u010dit v\u00fdpo\u010dtem jistiny, doby splatnosti \u00fav\u011bru a \u00farokov\u00e9 sazby. N\u011bkte\u0159\u00ed v\u011b\u0159itel\u00e9 mohou tak\u00e9 nab\u00edzet mo\u017enost \u201ejednor\u00e1zov\u00e9 platby\u201c, kter\u00e1 umo\u017e\u0148uje dlu\u017en\u00edk\u016fm splatit dluh jednor\u00e1zov\u011b na konci doby splatnosti \u00fav\u011bru.<\/p>\n<p>Existuje mnoho typ\u016f bankovn\u00edch \u00fav\u011br\u016f, od hypot\u00e9k a\u017e po auto\u00fav\u011bry. Banky obvykle kontroluj\u00ed \u00fav\u011brov\u00e9 sk\u00f3re a historii \u017eadatel\u016f, aby zjistily, zda jsou vhodn\u00fdmi kandid\u00e1ty na \u00fav\u011br. N\u011bkter\u00e9 banky mohou nab\u00edzet \u00fav\u011bry pouze st\u00e1vaj\u00edc\u00edm z\u00e1kazn\u00edk\u016fm, zat\u00edmco jin\u00e9 mohou p\u0159ij\u00edmat \u017e\u00e1dosti i od nez\u00e1kazn\u00edk\u016f.<\/p>\n<p>N\u011bkter\u00e9 banky nab\u00edzej\u00ed online \u017e\u00e1dosti, kter\u00e9 lze vyplnit b\u011bhem n\u011bkolika minut. Tyto p\u016fj\u010dky jsou obvykle posouzeny a financov\u00e1ny n\u00e1sleduj\u00edc\u00ed pracovn\u00ed den. Jin\u00ed v\u011b\u0159itel\u00e9, jako nap\u0159\u00edklad TD Bank a Truist Bank, nab\u00edzej\u00ed osobn\u00ed p\u016fj\u010dky s n\u00edzk\u00fdmi \u010d\u00e1stkami, kter\u00e9 lze pou\u017e\u00edt prakticky na cokoli. Tyto p\u016fj\u010dky lze z\u00edskat, i kdy\u017e nejste st\u00e1vaj\u00edc\u00edm z\u00e1kazn\u00edkem, a lze je splatit ve t\u0159ech stejn\u00fdch spl\u00e1tk\u00e1ch.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u010cl\u00e1nky s obsahem P\u0159edkvalifikace Aplikace \u00darokov\u00e9 sazby Spl\u00e1cen\u00ed Bankovn\u00ed \u00fav\u011br je typ zaji\u0161t\u011bn\u00e9ho dluhu, kter\u00fd vy\u017eaduje z\u00e1stavu aktiv. M\u016f\u017ee pomoci podnik\u016fm, kter\u00e9 nemaj\u00ed dostatek likvidn\u00edch aktiv na n\u00e1kup vybaven\u00ed nebo financov\u00e1n\u00ed velk\u00e9ho projektu. Mnoho bank nab\u00edz\u00ed p\u0159edb\u011b\u017en\u00e9 schv\u00e1len\u00ed bankovn\u00edch \u00fav\u011br\u016f, co\u017e m\u016f\u017ee b\u00fdt efektivn\u00ed zp\u016fsob, jak zjistit, kolik pen\u011bz si m\u016f\u017eete p\u016fj\u010dit.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-10476","post","type-post","status-publish","format-standard","hentry","category-politic"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Co jsou nebankovn\u00ed p\u016fj\u010dky nad 70 let bankovn\u00ed p\u016fj\u010dky? - Naija Top News<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/james.felttouch.com\/?p=10476\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Co jsou nebankovn\u00ed p\u016fj\u010dky nad 70 let bankovn\u00ed p\u016fj\u010dky? - Naija Top News\" \/>\r\n<meta property=\"og:description\" content=\"\u010cl\u00e1nky s obsahem P\u0159edkvalifikace Aplikace \u00darokov\u00e9 sazby Spl\u00e1cen\u00ed Bankovn\u00ed \u00fav\u011br je typ zaji\u0161t\u011bn\u00e9ho dluhu, kter\u00fd vy\u017eaduje z\u00e1stavu aktiv. M\u016f\u017ee pomoci podnik\u016fm, kter\u00e9 nemaj\u00ed dostatek likvidn\u00edch aktiv na n\u00e1kup vybaven\u00ed nebo financov\u00e1n\u00ed velk\u00e9ho projektu. 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