[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.saphohb.cz\/rozdily-mezi-bankovni-a-nebankovni-spolecnosti\/#Article","mainEntityOfPage":"https:\/\/www.saphohb.cz\/rozdily-mezi-bankovni-a-nebankovni-spolecnosti\/","headline":"Rozd\u00edly mezi bankovn\u00ed a nebankovn\u00ed spole\u010dnost\u00ed","name":"Rozd\u00edly mezi bankovn\u00ed a nebankovn\u00ed spole\u010dnost\u00ed","description":"Ceny nemovitost\u00ed neust\u00e1le rostou, nen\u00ed se tak \u010demu divit, \u017ee spole\u010dn\u011b s cenami se zp\u0159\u00eds\u0148uj\u00ed i podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f. Poskytovatel\u00e9 \u00fav\u011bru se \u0159\u00edd\u00ed z\u00e1konem o spot\u0159ebitelsk\u00e9m \u00fav\u011br\u016f, kter\u00fd je pro bankovn\u00ed i nebankovn\u00ed spole\u010dnosti z\u00e1vazn\u00fd. Nebankovn\u00ed spole\u010dnosti jsou ov\u0161em v n\u011bkter\u00fdch ohledech p\u0159eci jenom benevolentn\u011bj\u0161\u00ed ke sv\u00fdm \u017eadatel\u016fm. Poj\u010fme si p\u0159edstavit z\u00e1kladn\u00ed rozd\u00edly, […]","datePublished":"2021-08-20","dateModified":"2023-06-02","author":{"@type":"Person","@id":"https:\/\/www.saphohb.cz\/author\/#Person","name":"","url":"https:\/\/www.saphohb.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e5312f21b37eec0871f00feffaf403580ddf46c2d055479cc6723fb0100721f2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e5312f21b37eec0871f00feffaf403580ddf46c2d055479cc6723fb0100721f2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"saphohb.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.saphohb.cz\/wp-content\/uploads\/osobn%C3%AD%20sch%C5%AFzka_5.jpg","url":"https:\/\/www.saphohb.cz\/wp-content\/uploads\/osobn%C3%AD%20sch%C5%AFzka_5.jpg","height":0,"width":0},"url":"https:\/\/www.saphohb.cz\/rozdily-mezi-bankovni-a-nebankovni-spolecnosti\/","about":["Finance"],"wordCount":377,"articleBody":"      Ceny nemovitost\u00ed neust\u00e1le rostou, nen\u00ed se tak \u010demu divit, \u017ee spole\u010dn\u011b s cenami se zp\u0159\u00eds\u0148uj\u00ed i podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f. Poskytovatel\u00e9 \u00fav\u011bru se \u0159\u00edd\u00ed z\u00e1konem o spot\u0159ebitelsk\u00e9m \u00fav\u011br\u016f, kter\u00fd je pro bankovn\u00ed i nebankovn\u00ed spole\u010dnosti z\u00e1vazn\u00fd. Nebankovn\u00ed spole\u010dnosti jsou ov\u0161em v n\u011bkter\u00fdch ohledech p\u0159eci jenom benevolentn\u011bj\u0161\u00ed ke sv\u00fdm \u017eadatel\u016fm. Poj\u010fme si p\u0159edstavit z\u00e1kladn\u00ed rozd\u00edly, kter\u00e9 p\u0159edstavuj\u00ed bankovn\u00ed a nebankovn\u00ed p\u016fj\u010dky. Sjedn\u00e1v\u00e1n\u00ed \u00fav\u011bruBanky i vlivem pandemie v\u011bt\u0161inu sv\u00fdch slu\u017eeb zp\u0159\u00edstupnily i online formou. Ov\u0161em pro bankovn\u00ed \u00fav\u011br je zapot\u0159eb\u00ed je\u0161t\u011b st\u00e1le n\u00e1v\u0161t\u011bva pobo\u010dky. Pohovor s pracovn\u00edkem banky, vyjedn\u00e1n\u00ed podm\u00ednek, dolo\u017een\u00ed v\u0161ech pot\u0159ebn\u00fdch dokument\u016f a pak jen vy\u010dkat, jak\u00fd verdikt banka vy\u0159kne. Bankovn\u00ed instituce ke ka\u017ed\u00e9mu \u017eadateli p\u0159istupuj\u00ed individu\u00e1ln\u011b a to znamen\u00e1 jedin\u00e9 \u2013 zdlouhav\u00fd schvalovac\u00ed proces. Nebankovn\u00ed spole\u010dnosti jsou v tomto ohledu o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed. O \u00fav\u011br je mo\u017en\u00e9 za\u017e\u00e1dat jen za pomoci internetu. V\u011bt\u0161ina t\u011bchto spole\u010dnost\u00ed pracuje s automatick\u00fdm schvalovac\u00edm procesem, kde vypln\u011bn\u00ed \u00fadaj\u016f a vyhodnocen\u00ed trv\u00e1 jen n\u011bkolik minut. Pokud vy\u0159\u00edzen\u00ed prob\u011bhne kladn\u011b, pen\u00edze m\u016f\u017ee m\u00edt \u017eadatel ji\u017e druh\u00fd den na \u00fa\u010dtu. Nebankovn\u00ed spole\u010dnosti tak prim\u00e1rn\u011b vyu\u017e\u00edvaj\u00ed \u017eadatel\u00e9, kter\u00e9 maj\u00ed \u0161patnou platebn\u00ed minulost nebo pot\u0159ebuj\u00ed m\u00edt finance k dispozici co mo\u017en\u00e1 nejd\u0159\u00edve. BenevolentnostBanky slovo \u201ebenevolentnost\u201c ve sv\u00e9m slovn\u00edku nemaj\u00ed. \u017dadatel\u00e9 o \u00fav\u011brov\u00e9 produkty mus\u00ed splnit z\u00e1konem stanoven\u00e9 podm\u00ednky, aby jim bylo vyhov\u011bno. Ani to v\u0161ak ob\u010das nesta\u010d\u00ed a z banky mohou odej\u00edt s nepo\u0159\u00edzenou. V tomto ohledu jsou bankovn\u00ed spole\u010dnosti jin\u00e9. Nab\u00edz\u00ed p\u016fj\u010dky i klient\u016fm, kte\u0159\u00ed by v bance nikdy neusp\u011bli. T\u011bm, kte\u0159\u00ed se pot\u00fdkaj\u00ed ze \u0161patnou finan\u010dn\u00ed minulost\u00ed \u010di na bankovn\u00ed \u00fav\u011br nemohou dos\u00e1hnout. Jedn\u00edm z benevolentn\u00edch \u00fav\u011brov\u00fdch produkt\u016f je i americk\u00e1 hypot\u00e9ka bez registru Americkahypoteka.cz.                                                                                                                                                                                                                                                                                                                                                                                           3.8\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Rozd\u00edly mezi bankovn\u00ed a nebankovn\u00ed spole\u010dnost\u00ed","item":"https:\/\/www.saphohb.cz\/rozdily-mezi-bankovni-a-nebankovni-spolecnosti\/#breadcrumbitem"}]}]