[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.marcal.cz\/reseni-tizive-financni-situace\/#Article","mainEntityOfPage":"https:\/\/www.marcal.cz\/reseni-tizive-financni-situace\/","headline":"\u0158e\u0161en\u00ed t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situace","name":"\u0158e\u0161en\u00ed t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situace","description":"Nebankovn\u00ed p\u016fj\u010dky si po dlouh\u00e1 l\u00e9ta dr\u017eely pov\u011bst coby nev\u00fdhodn\u00fdch \u00fav\u011brov\u00fdch produkt\u016f, mnohdy nav\u00edc se skryt\u00fdmi poplatky. \u0158ada lid\u00ed tak v nebankovn\u00ed sektor ztratila d\u016fv\u011bru … ","datePublished":"2021-02-26","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.marcal.cz\/author\/#Person","name":"","url":"https:\/\/www.marcal.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a1f3afbcba6a2c855138f9932fa7e5ab7d93bdcdef3da88e8b7e3a89881e43e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a1f3afbcba6a2c855138f9932fa7e5ab7d93bdcdef3da88e8b7e3a89881e43e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"marcal.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.marcal.cz\/wp-content\/uploads\/%C4%8Dten%C3%AD%20z%C3%A1kona_3.jpg","url":"https:\/\/www.marcal.cz\/wp-content\/uploads\/%C4%8Dten%C3%AD%20z%C3%A1kona_3.jpg","height":0,"width":0},"url":"https:\/\/www.marcal.cz\/reseni-tizive-financni-situace\/","about":["Ekonomika"],"wordCount":387,"articleBody":"     Nebankovn\u00ed p\u016fj\u010dky si po dlouh\u00e1 l\u00e9ta dr\u017eely pov\u011bst coby nev\u00fdhodn\u00fdch \u00fav\u011brov\u00fdch produkt\u016f, mnohdy nav\u00edc se skryt\u00fdmi poplatky. \u0158ada lid\u00ed tak v nebankovn\u00ed sektor ztratila d\u016fv\u011bru a rad\u011bji se p\u0159i \u017e\u00e1dosti o p\u016fj\u010dku obr\u00e1tili na n\u011bkterou z bank. Doba se ale m\u011bn\u00ed, nebankovn\u00ed \u00fav\u011bry jsou pro mnoh\u00e9 dnes jedinou z\u00e1chranou stanic\u00ed p\u0159ed krachem. Podm\u00ednky bankovn\u00edho sektoru se neust\u00e1le zp\u0159\u00eds\u0148uj\u00ed a na \u00fav\u011brov\u00e9 produkty u\u017e nen\u00ed tak snadn\u00e9 dos\u00e1hnout. P\u0159esto je v sou\u010dasn\u00e9 dob\u011b na trhu p\u0159ebytek likvidy a banky doslova bojuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta, pro\u010d tomu tedy tak je.Za \u0159adou zam\u00edtnut\u00fdch \u00fav\u011br\u016f stoj\u00ed p\u0159\u00edsn\u00e1 legislativa, kter\u00e1 se od 1. prosince 2016 v\u00fdrazn\u011b zp\u0159\u00edsnila u v\u0161ech \u00fav\u011brov\u00fdch produkt\u016f. Banky jsou tedy zahn\u00e1ny do kouta a ned\u016fv\u011bryhodn\u00fdm \u017eadatel\u016fm s p\u0159\u00edli\u0161 n\u00edzkou bonitou \u00fav\u011br nab\u00eddnout nemohou. Za zam\u00edtnutou \u017e\u00e1dost\u00ed tak nehledejte malou benevolentnost bank, ale slo\u017eitou a p\u0159\u00edsnou legislativu, kterou ur\u010duje \u010cNB. Jak tedy postupovat v t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situaci, kdy pot\u0159ebujeme nutn\u011b zaplatit ve\u0161ker\u00e9 na\u0161e pohled\u00e1vky a u\u017e v\u010dera bylo pozd\u011b? \u0158e\u0161en\u00ed p\u0159edstavuje nap\u0159\u00edklad americk\u00e1 hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu nebo rychl\u00e9 spot\u0159ebitelsk\u00e9 \u00fav\u011bry, kter\u00e9 pomohu p\u0159eklenout dobu do dal\u0161\u00ed v\u00fdplaty nebo zafinancovat men\u0161\u00ed nahodil\u00e9 v\u00fddaje. Benevolentnost nebankovn\u00edho sektoruBanka je v schvalov\u00e1n\u00ed \u00fav\u011brov\u00fdch produkt\u016f nekompromisn\u00ed. Ka\u017ed\u00fd \u017eadatel tak mus\u00ed proj\u00edt zdlouhav\u00fdm schvalovac\u00edm procesem s nejist\u00fdm v\u00fdsledkem. Mnohdy sta\u010d\u00ed opravdu m\u00e1lo: nedoplatek na elekt\u0159in\u011b nebo pozd\u011b zaplacen\u00e1 faktura za telefon.Platebn\u00ed mor\u00e1lka ka\u017ed\u00e9ho z n\u00e1s je pravideln\u011b evidov\u00e1na v registrech dlu\u017en\u00edk\u016f. Pokud pohled\u00e1vky spl\u00e1c\u00edme d\u016fsledn\u011b, z\u00edsk\u00e1v\u00e1me kladn\u00e9 body. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b ale negativn\u00ed z\u00e1znamy v registru dlu\u017en\u00edk\u016f vedou k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br v bankovn\u00edm sektoru. Zam\u00edtnut\u00e9 \u017e\u00e1dosti jsou nav\u00edc tak\u00e9 ukl\u00e1d\u00e1ny v registrech, do kter\u00fdch maj\u00ed bankovn\u00ed i nebankovn\u00ed spole\u010dnosti p\u0159\u00edstup.                                                                                                                                                                                                                                                                                                                                                                                           4.7\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u0158e\u0161en\u00ed t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situace","item":"https:\/\/www.marcal.cz\/reseni-tizive-financni-situace\/#breadcrumbitem"}]}]