[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lacantina.cz\/co-jsou-nebankovni-spolecnosti-a-lze-jim-verit\/#Article","mainEntityOfPage":"https:\/\/www.lacantina.cz\/co-jsou-nebankovni-spolecnosti-a-lze-jim-verit\/","headline":"Co jsou nebankovn\u00ed spole\u010dnosti, a lze jim v\u011b\u0159it?","name":"Co jsou nebankovn\u00ed spole\u010dnosti, a lze jim v\u011b\u0159it?","description":"Spolu se zdra\u017eov\u00e1n\u00edm, zved\u00e1n\u00edm cen nemovitost\u00ed, a \u00farokov\u00fdch sazeb, za\u010dali lid\u00e9 hledat jin\u00e9, snadn\u011bj\u0161\u00ed alternativy. Mnoz\u00ed z nich pak narazili na nebankovn\u00ed spole\u010dnosti, kter\u00e9 poskytuj\u00ed \u00fav\u011bry za lep\u0161\u00edch podm\u00ednek, a sn\u00e1ze, ne\u017e-li t\u0159eba banky. Lid\u00e9 jsou v\u0161ak odjak\u017eiva ostra\u017eit\u00ed ohledn\u011b toho, co neznaj\u00ed. Co jsou tedy nebankovn\u00ed spole\u010dnosti? Nebankovn\u00ed spole\u010dnost Jedn\u00e1 se o spole\u010dnost, kter\u00e1 m\u00e1 ze z\u00e1kona opr\u00e1vn\u011bn\u00ed poskytovat […]","datePublished":"2022-05-07","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.lacantina.cz\/author\/#Person","name":"","url":"https:\/\/www.lacantina.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/baa231f7e1963b29d6549eb0e137b049d877d4e97c51386f463c7d4fc98329bd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/baa231f7e1963b29d6549eb0e137b049d877d4e97c51386f463c7d4fc98329bd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lacantina.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lacantina.cz\/wp-content\/uploads\/dollars-499481_640_1.jpg","url":"https:\/\/www.lacantina.cz\/wp-content\/uploads\/dollars-499481_640_1.jpg","height":0,"width":0},"url":"https:\/\/www.lacantina.cz\/co-jsou-nebankovni-spolecnosti-a-lze-jim-verit\/","about":["Ekonomika"],"wordCount":413,"articleBody":"         Spolu se zdra\u017eov\u00e1n\u00edm, zved\u00e1n\u00edm cen nemovitost\u00ed, a \u00farokov\u00fdch sazeb, za\u010dali lid\u00e9 hledat jin\u00e9, snadn\u011bj\u0161\u00ed alternativy. Mnoz\u00ed z nich pak narazili na nebankovn\u00ed spole\u010dnosti, kter\u00e9 poskytuj\u00ed \u00fav\u011bry za lep\u0161\u00edch podm\u00ednek, a sn\u00e1ze, ne\u017e-li t\u0159eba banky. Lid\u00e9 jsou v\u0161ak odjak\u017eiva ostra\u017eit\u00ed ohledn\u011b toho, co neznaj\u00ed. Co jsou tedy nebankovn\u00ed spole\u010dnosti?Nebankovn\u00ed spole\u010dnostJedn\u00e1 se o spole\u010dnost, kter\u00e1 m\u00e1 ze z\u00e1kona opr\u00e1vn\u011bn\u00ed poskytovat \u00fav\u011bry coby zprost\u0159edkovatel. Nap\u0159\u00edklad spole\u010dnost COMPROMISSO group https:\/\/www.americkahypoteka.cz\/iformace-trvale-pristupne-spotrebiteli\/ z\u00edskala toto povolen\u00ed od \u010cesk\u00e9 n\u00e1rodn\u00ed banky. Nejedn\u00e1 se tedy o nic neleg\u00e1ln\u00edho, \u010di nebezpe\u010dn\u00e9ho. Jde sp\u00ed\u0161 o konkurenci bank, kter\u00e9 maj\u00ed co se posuzov\u00e1n\u00ed hypot\u00e9k t\u00fd\u010de, p\u0159\u00edli\u0161 vysok\u00e9 n\u00e1roky, nebo snaz\u0161\u00ed cestu pro ty, kte\u0159\u00ed v bance z n\u011bjak\u00e9ho d\u016fvodu neusp\u011bli.V\u00fdhody hypot\u00e9ky u nebankovn\u00ed spole\u010dnostiMnoho lid\u00ed vid\u00ed jen nev\u00fdhodu, kter\u00e1 spo\u010d\u00edv\u00e1 v tom, \u017ee nebankovn\u00ed spole\u010dnosti maj\u00ed n\u011bkdy (ne v\u0161ak v\u017edy) vy\u0161\u0161\u00ed \u00farokov\u00e9 sazby, ne\u017e banky, nebo \u017ee poskytuj\u00ed pouze 70% odhadn\u00ed ceny nemovitosti. Proti tomu v\u0161ak stoj\u00ed v\u00fdhody, kter\u00e9 znamenaj\u00ed jen to, \u017ee na p\u016fj\u010dku dos\u00e1hne mnohem v\u011bt\u0161\u00ed procento lid\u00ed. Jednou z v\u00fdhod je nap\u0159\u00edklad fakt, \u017ee nebankovn\u00ed spole\u010dnosti dok\u00e1\u017eou p\u0159ehl\u00e9dnout n\u011bjak\u00fd ten z\u00e1znam v registru, kter\u00fd mohl vzniknout vlivem okolnost\u00ed, za kter\u00e9 jsme nemohli. D\u00e1le pak tak\u00e9 to, \u017ee i lid\u00e9 s ni\u017e\u0161\u00edmi p\u0159\u00edjmy maj\u00ed \u0161anci z\u00edskat hypot\u00e9ku, pokud jsou schopni spl\u00e1cet. Nejv\u011bt\u0161\u00ed v\u00fdhodou v\u0161ak je rychl\u00e9 a efektivn\u00ed vy\u0159\u00edzen\u00ed, bez form\u00e1ln\u00edch p\u0159ek\u00e1\u017eek, kter\u00e9 p\u0159ed n\u00e1s banky stav\u011bj\u00ed. Banky jsou toti\u017e v\u00e1z\u00e1ny jist\u00fdmi pravidly, kter\u00e1 musej\u00ed p\u0159\u00edsn\u011b dodr\u017eovat, zat\u00edmco pravidla nebankovn\u00edch spole\u010dnost\u00ed jsou mnohem voln\u011bj\u0161\u00ed.Jak\u00e9 slu\u017eby nebankovn\u00ed spole\u010dnosti nab\u00edzej\u00ed?Mezi klientsky obl\u00edben\u00e9 slu\u017eby nebankovn\u00edch hypot\u00e9k pat\u0159\u00ed zejm\u00e9na americk\u00e1 hypot\u00e9ka, kter\u00e1 je bez\u00fa\u010delov\u00e1, a lze si ji tedy vz\u00edt i na refinancov\u00e1n\u00ed hypot\u00e9ky, vyplacen\u00ed se z exekuce, \u010di na \u0159e\u0161en\u00ed jin\u00fdch pohled\u00e1vek. Ta se pak d\u011bl\u00ed na \u00fav\u011br spot\u0159ebitelsk\u00fd, a pak \u00fav\u011br podnikatelsk\u00fd, kter\u00fd lze dostat i bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f.                                                                                                                                                                                                                                                                                                                                                                                           4.7\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co jsou nebankovn\u00ed spole\u010dnosti, a lze jim v\u011b\u0159it?","item":"https:\/\/www.lacantina.cz\/co-jsou-nebankovni-spolecnosti-a-lze-jim-verit\/#breadcrumbitem"}]}]