{"id":1137,"date":"2024-12-06T10:50:25","date_gmt":"2024-12-06T09:50:25","guid":{"rendered":"https:\/\/finblog.cz\/?p=1137"},"modified":"2024-12-06T10:50:25","modified_gmt":"2024-12-06T09:50:25","slug":"zoxo-nebankovni-pujcka","status":"publish","type":"post","link":"https:\/\/finblog.cz\/?p=1137","title":{"rendered":"Zoxo, Nebankovn\u00ed p\u016fj\u010dka"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Pot\u0159eba z\u00edsk\u00e1n\u00ed pen\u011bz formou p\u016fj\u010dky se objev\u00ed i n\u011bkolikr\u00e1t za \u017eivot. V\u017edy zva\u017eujete, jak vysokou p\u016fj\u010dku sjednat, jakou m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku si m\u016f\u017eete dovolit zas\u00edlat, a p\u0159edev\u0161\u00edm poskytovatele dan\u00e9 p\u016fj\u010dky. Pokud pomineme p\u016fj\u010dku od soukrom\u00e9 osoby a bl\u00edzk\u00fdch, m\u00e1te na v\u00fdb\u011br ze dvou mo\u017enost\u00ed. Sjednat si p\u016fj\u010dku u banky nebo u nebankovn\u00ed spole\u010dnosti. Ob\u011b mo\u017enosti maj\u00ed v\u00fdhody i nev\u00fdhody, z\u00e1rove\u0148 se li\u0161\u00ed pravidla, za kter\u00fdch m\u016f\u017eete p\u016fj\u010dku z\u00edskat. &nbsp;<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">V\u00fdhody nebankovn\u00ed p\u016fj\u010dky<\/h1>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rychl\u00e9 a jednoduch\u00e9 vy\u0159\u00edzen\u00ed.<\/li>\n\n\n\n<li>P\u016fj\u010dka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f.<\/li>\n\n\n\n<li>N\u00edzk\u00e1 \u00farokov\u00e1 sazba a dlouh\u00e1 lh\u016fta spl\u00e1cen\u00ed.<\/li>\n\n\n\n<li>Okam\u017eit\u00e9 vyplacen\u00ed po schv\u00e1len\u00ed \u017e\u00e1dosti.<\/li>\n\n\n\n<li>\u00dav\u011br pro zadlu\u017een\u00e9 a osoby \u010del\u00edc\u00ed exekuci.<\/li>\n\n\n\n<li>P\u016fj\u010dka se z\u00e1znamem v\u00a0registru dlu\u017en\u00edk\u016f.<\/li>\n\n\n\n<li>Mo\u017enost volby mezi anuitn\u00edm a bal\u00f3nov\u00fdm spl\u00e1cen\u00edm.<\/li>\n\n\n\n<li>Vy\u0159\u00edzen\u00ed online, jednoduch\u00e9 vy\u0159\u00edzen\u00ed p\u0159i opakovan\u00e9 p\u016fj\u010dce.<\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\">Nev\u00fdhody nebankovn\u00ed p\u016fj\u010dky<\/h1>\n\n\n\n<ul class=\"wp-block-list\">\n<li>P\u016fj\u010dky jen pro aktivn\u00ed podnikatele.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.zoxo.cz\/pujcka-se-zastavou-nemovitosti\">Ru\u010den\u00ed nemovit\u00fdm majetkem<\/a>.<\/li>\n\n\n\n<li>Poplatek za \u010derp\u00e1n\u00ed \u00fav\u011bru.<\/li>\n\n\n\n<li>Vy\u0161\u0161\u00ed \u00farokov\u00e1 sazba oproti hypote\u010dn\u00edm \u00fav\u011br\u016fm.<\/li>\n\n\n\n<li>Vysok\u00e9 poplatky p\u0159i nespl\u00e1cen\u00ed.<\/li>\n\n\n\n<li>Ocen\u011bn\u00ed nemovitosti pracovn\u00edky \u00fav\u011brov\u00e9 spole\u010dnosti.<\/li>\n\n\n\n<li>Poskytnut\u00ed \u00fav\u011bru jen do \u010d\u00e1ste\u010dn\u00e9 hodnoty nemovitosti (zpravidla 70 %).<\/li>\n\n\n\n<li>Na podnikatelsk\u00e9 p\u016fj\u010dky se nevztahuje Z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru.<\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\">Jak vybrat nebankovn\u00ed p\u016fj\u010dku<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">U nebankovn\u00ed p\u016fj\u010dky pe\u010dliv\u011b pro\u010d\u00edtejte sazebn\u00edk poplatk\u016f a podm\u00ednky poskytnut\u00ed p\u016fj\u010dky. Zaj\u00edmejte se o sankce a postihy p\u0159i nespl\u00e1cen\u00ed. Konkr\u00e9tn\u00edho poskytovatele vyb\u00edrejte podle nab\u00edzen\u00e9 sazby RPSN. Zahrnuje \u00farokov\u00e9 n\u00e1klady i ostatn\u00ed poplatky za p\u016fj\u010dku. <a href=\"https:\/\/www.zoxo.cz\/smlouva-o-pujcce-vzor\">\u00dav\u011brovou smlouvu<\/a> si pro\u010dt\u011bte p\u0159edem, sporn\u00e9 \u010d\u00e1sti si m\u016f\u017eete nechat vylo\u017eit pr\u00e1vn\u00edm z\u00e1stupcem. U nebankovn\u00edch p\u016fj\u010dek se zaj\u00edmejte o reference a historii poskytovatele a o to, jak\u00e9 dopl\u0148kov\u00e9 slu\u017eby poskytuj\u00ed klient\u016fm. V\u00fdhodou je p\u0159\u00edstup do sekce internetov\u00e9ho bankovnictv\u00ed, kde je zobrazen pr\u016fb\u011bh spl\u00e1cen\u00ed p\u016fj\u010dky, mo\u017enost p\u0159ed\u010dasn\u00e9ho splacen\u00ed zdarma nebo flexibiln\u00ed spl\u00e1cen\u00ed \u00fav\u011bru.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Podm\u00ednky z\u00edsk\u00e1n\u00ed nebankovn\u00ed p\u016fj\u010dky<\/h1>\n\n\n\n<ul class=\"wp-block-list\">\n<li>V\u011bk nad 18 let a sv\u00e9pr\u00e1vnost.<\/li>\n\n\n\n<li>Aktivn\u00ed podnik\u00e1n\u00ed.<\/li>\n\n\n\n<li>Dva doklady toto\u017enosti.<\/li>\n\n\n\n<li>Vlastn\u00ed bankovn\u00ed \u00fa\u010det.<\/li>\n\n\n\n<li>Z\u00e1stava nemovit\u00e9ho majetku.<\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\">D\u016fsledky nespl\u00e1cen\u00ed nebankovn\u00ed p\u016fj\u010dky<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i nespl\u00e1cen\u00ed nebankovn\u00ed p\u016fj\u010dky jsou klient\u016fm \u00fa\u010dtov\u00e1ny poplatky a pen\u00e1le dle platn\u00e9ho sazebn\u00edku. V&nbsp;krajn\u00edm p\u0159\u00edpad\u011b a p\u0159i dlouhodob\u00e9m nespl\u00e1cen\u00ed \u00fav\u011bru m\u016f\u017ee doj\u00edt a\u017e k&nbsp;zabaven\u00ed nemovitosti, kter\u00e1 slou\u017eila jako z\u00e1stava za poskytnutou p\u016fj\u010dku.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">V\u00fdpo\u010det z\u00e1konn\u00e9ho \u00faroku z&nbsp;prodlen\u00ed dle \u010cNB<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">V&nbsp;ob\u010dansko-pr\u00e1vn\u00edch a podnikatelsk\u00fdch vztaz\u00edch jsou \u00faroky z&nbsp;prodlen\u00ed stanoveny z\u00e1konem, ale je mo\u017en\u00e1 i jejich smluvn\u00ed \u00faprava. Z\u00e1kon stanovuje \u00farok z&nbsp;prodlen\u00ed ve v\u00fd\u0161i aktu\u00e1ln\u00ed repo sazby zve\u0159ejn\u011bn\u00e9 \u010cNB, ke kter\u00e9 se p\u0159ipo\u010d\u00edt\u00e1 osm procentn\u00edch bod\u016f. Sazba se aktualizuje jednou za p\u016fl roku a to k&nbsp;1.1. a k&nbsp;1.7.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Reference<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i v\u00fdb\u011bru poskytovatele p\u016fj\u010dky kontrolujte reference st\u00e1vaj\u00edc\u00edch nebo p\u0159edchoz\u00edch klient\u016f. Ov\u011b\u0159en\u00e9 reference na internetov\u00fdch str\u00e1nk\u00e1ch mus\u00ed b\u00fdt ozna\u010deny. Krom\u011b klientsk\u00fdch referenc\u00ed se zaj\u00edmejte o historii spole\u010dnosti, spolehliv\u00fd \u00fav\u011brov\u00fd partner p\u016fsob\u00ed na trhu dlouhodob\u011b a m\u00e1 stabiln\u00ed \u00fav\u011brov\u00e9 portfolio.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pot\u0159eba z\u00edsk\u00e1n\u00ed pen\u011bz formou p\u016fj\u010dky se objev\u00ed i n\u011bkolikr\u00e1t za \u017eivot. V\u017edy zva\u017eujete, jak vysokou p\u016fj\u010dku sjednat, jakou m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku si m\u016f\u017eete dovolit zas\u00edlat, a p\u0159edev\u0161\u00edm poskytovatele dan\u00e9 p\u016fj\u010dky. Pokud pomineme p\u016fj\u010dku od soukrom\u00e9 osoby a bl\u00edzk\u00fdch, m\u00e1te na v\u00fdb\u011br ze dvou mo\u017enost\u00ed. Sjednat si p\u016fj\u010dku u banky nebo u nebankovn\u00ed spole\u010dnosti. Ob\u011b mo\u017enosti maj\u00ed [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1138,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[6],"tags":[],"class_list":["post-1137","post","type-post","status-publish","format-standard","has-post-thumbnail","category-penize"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/finblog.cz\/index.php?rest_route=\/wp\/v2\/posts\/1137","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finblog.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finblog.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finblog.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/finblog.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1137"}],"version-history":[{"count":1,"href":"https:\/\/finblog.cz\/index.php?rest_route=\/wp\/v2\/posts\/1137\/revisions"}],"predecessor-version":[{"id":1139,"href":"https:\/\/finblog.cz\/index.php?rest_route=\/wp\/v2\/posts\/1137\/revisions\/1139"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finblog.cz\/index.php?rest_route=\/wp\/v2\/media\/1138"}],"wp:attachment":[{"href":"https:\/\/finblog.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1137"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finblog.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1137"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finblog.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1137"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}