[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.fa-zona.cz\/proc-vsadit-na-nebankovni-spolecnost\/#Article","mainEntityOfPage":"https:\/\/www.fa-zona.cz\/proc-vsadit-na-nebankovni-spolecnost\/","headline":"Pro\u010d vsadit na nebankovn\u00ed spole\u010dnost?","name":"Pro\u010d vsadit na nebankovn\u00ed spole\u010dnost?","description":"Nebankovn\u00ed spole\u010dnosti si dlouh\u00e1 l\u00e9ta dr\u017eely pov\u011bst coby nev\u00fdhodn\u00fdch poskytovatel\u016f<span class=\"more-dots\"><a href=\"https:\/\/www.fa-zona.cz\/proc-vsadit-na-nebankovni-spolecnost\/\">[ ... ]<\/span><\/a>","datePublished":"2021-10-16","dateModified":"2023-05-10","author":{"@type":"Person","@id":"https:\/\/www.fa-zona.cz\/author\/#Person","name":"","url":"https:\/\/www.fa-zona.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"fa-zona.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.fa-zona.cz\/wp-content\/uploads\/contract-g7e365399e_640.jpg","url":"https:\/\/www.fa-zona.cz\/wp-content\/uploads\/contract-g7e365399e_640.jpg","height":0,"width":0},"url":"https:\/\/www.fa-zona.cz\/proc-vsadit-na-nebankovni-spolecnost\/","wordCount":379,"articleBody":"   Nebankovn\u00ed spole\u010dnosti si dlouh\u00e1 l\u00e9ta dr\u017eely pov\u011bst coby nev\u00fdhodn\u00fdch poskytovatel\u016f \u00fav\u011br\u016f. Jak je tomu dnes? V jak\u00fdch p\u0159\u00edpadech se vyplat\u00ed s\u00e1hnout pr\u00e1v\u011b po nebankovn\u00edm \u00fav\u011bru? A pro\u010d jsou pro rizikov\u00e9 \u017eadatele nebankovn\u00ed p\u016fj\u010dky se z\u00e1stavou nemovitosti Lightfinance.cz? Rychlost vy\u0159\u00edzen\u00ed spot\u0159ebitelsk\u00e9ho \u00fav\u011bru Zat\u00edmco v bank\u00e1ch je zapot\u0159eb\u00ed proj\u00edt zdlouhav\u00fdm schvalovac\u00edm procesem, kter\u00fd vede mnohdy k nejasn\u00e9mu v\u00fdsledku. Nebankovn\u00ed spole\u010dnosti ke sv\u00fdm \u017eadatel\u016fm p\u0159istupuj\u00ed rozd\u00edln\u011b. \u0158ada z nich umo\u017e\u0148uje sjedn\u00e1n\u00ed \u00fav\u011bru i v pohodli domova. Pov\u011bt\u0161inou toti\u017e pracuj\u00ed s automatick\u00fdm schvalovac\u00edm procesem, kde \u017eadatel vypln\u00ed formul\u00e1\u0159, navol\u00ed podm\u00ednky a pak u\u017e jen \u010dek\u00e1 na vyj\u00e1d\u0159en\u00ed ze strany banky. V\u00fdsledek \u017e\u00e1dosti zn\u00e1 \u017eadatel ji\u017e n\u011bkolik minut po odesl\u00e1n\u00ed \u017e\u00e1dosti. Nebankovn\u00ed \u00fav\u011bry tak \u0159ada lid\u00ed vyu\u017e\u00edv\u00e1 v p\u0159\u00edpad\u011b, kdy pot\u0159ebuje \u0159e\u0161it nenad\u00e1le finan\u010dn\u00ed v\u00fddaje, na kter\u00e9 u\u017e v rodinn\u00e9m rozpo\u010dtu nezb\u00fdv\u00e1 nebo pot\u0159ebuje vykr\u00fdt dobu do dal\u0161\u00ed v\u00fdplaty. Benevolentn\u00ed podm\u00ednky i pro rizikov\u00e9 \u017eadateleBanky podl\u00e9haj\u00ed z\u00e1konu o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, a i kdy\u017e je na trhu p\u0159ebytek likvidity, p\u0159ib\u00fdv\u00e1 zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. I kdyby banky p\u016fj\u010dit cht\u011bly, slo\u017eit\u00e1 legislativa jim to neumo\u017e\u0148uje. Nebankovn\u00ed spole\u010dnosti v\u0161ak p\u0159istupuj\u00ed k \u017eadatel\u016fm o \u00fav\u011br pon\u011bkud benevolentn\u011bji. Nab\u00edz\u00ed p\u016fj\u010dky i \u017eadatel\u016fm v insolvenci nebo t\u011bm, kte\u0159\u00ed maj\u00ed negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f. Pro banky jasn\u00fd d\u016fvod k zam\u00edtnut\u00ed, nebankovn\u00ed spole\u010dnosti v\u0161ak nab\u00edz\u00ed pomocnou ruku i zd\u00e1nliv\u011b ned\u016fv\u011bryhodn\u00fdm \u017eadatel\u016fm. Podm\u00ednkou v takov\u00fdch p\u0159\u00edpadech je ale mnohdy z\u00e1stava nemovitosti, kter\u00e1 slou\u017e\u00ed jako jistina. V p\u0159\u00edpad\u011b, kdy \u017eadatel nebude plnit sv\u00e9 z\u00e1vazky, m\u016f\u017ee doj\u00edt nebankovn\u00ed spole\u010dnost k zabaven\u00ed a n\u00e1sledn\u00e9mu prodeji zastaven\u00e9 nemovitosti. Jedn\u00e1 se o podobn\u00fd princip jako v p\u0159\u00edpad\u011b hypote\u010dn\u00edho \u00fav\u011bru na bydlen\u00ed, kde je t\u00e9\u017e zapot\u0159eb\u00ed ru\u010dit nemovitost\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           3.9\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d vsadit na nebankovn\u00ed spole\u010dnost?","item":"https:\/\/www.fa-zona.cz\/proc-vsadit-na-nebankovni-spolecnost\/#breadcrumbitem"}]}]