{"id":1180,"date":"2026-06-18T21:26:38","date_gmt":"2026-06-18T19:26:38","guid":{"rendered":"https:\/\/finblog.cz\/?p=1180"},"modified":"2026-06-18T21:26:39","modified_gmt":"2026-06-18T19:26:39","slug":"male-nebankovni-pujcky-kdy-davaji-smysl-a-jak-je-spravne-vyuzit","status":"publish","type":"post","link":"https:\/\/finblog.cz\/?p=1180","title":{"rendered":"Mal\u00e9 nebankovn\u00ed p\u016fj\u010dky: kdy d\u00e1vaj\u00ed smysl a jak je spr\u00e1vn\u011b vyu\u017e\u00edt"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Rozbit\u00e9 topen\u00ed v lednu, nedoplatek za energie nebo ne\u010dekan\u00e1 oprava auta \u2013 takov\u00e9 situace p\u0159ich\u00e1zej\u00ed bez varov\u00e1n\u00ed a m\u00e1lokdy se vejdou do rodinn\u00e9ho rozpo\u010dtu. P\u0159esn\u011b tehdy lid\u00e9 za\u010d\u00ednaj\u00ed hledat rychl\u00e9 \u0159e\u0161en\u00ed, a <a href=\"https:\/\/pujckabezvolani.cz\/blog\/male-nebankovni-pujcky\/\">mal\u00e9 nebankovn\u00ed p\u016fj\u010dky<\/a> pat\u0159\u00ed mezi nej\u010dast\u011bji vyhled\u00e1van\u00e9 mo\u017enosti. Nejde p\u0159itom jen o dostupnost pen\u011bz, ale tak\u00e9 o to, jak cel\u00fd proces prob\u011bhne \u2013 zda v\u00e1m budou volat, \u017e\u00e1dat pap\u00edry nebo v\u00e1s nutit k n\u00e1v\u0161t\u011bv\u011b pobo\u010dky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Online \u017e\u00e1dost bez telefon\u00e1t\u016f \u0161et\u0159\u00ed \u010das i nervy<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jednou z nejv\u011bt\u0161\u00edch v\u00fdhod modern\u00edch online p\u016fj\u010dek je skute\u010dnost, \u017ee cel\u00fd proces prob\u011bhne bez jedin\u00e9ho telefon\u00e1tu. \u017d\u00e1dost pod\u00e1te p\u0159es internet, ov\u011b\u0159\u00edte svou toto\u017enost a v\u00fdsledek se dozv\u00edte tak\u00e9 online \u2013 nikdo v\u00e1m nevol\u00e1, nikdo v\u00e1s telefonicky neobt\u011b\u017euje. Pro mnoho lid\u00ed je to z\u00e1sadn\u00ed rozd\u00edl oproti zku\u0161enostem s tradi\u010dn\u00edmi poskytovateli, kde telefonick\u00e9 dotazy a upom\u00ednky k vy\u0159\u00edzen\u00ed pat\u0159ily k pravideln\u00e9mu ritu\u00e1lu. Bezkontaktn\u00ed p\u0159\u00edstup respektuje v\u00e1\u0161 \u010das a soukrom\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Expresn\u00ed ov\u011b\u0159en\u00ed toto\u017enosti p\u0159es Bank iD v\u00fdrazn\u011b zkracuje \u010dek\u00e1n\u00ed<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nejv\u011bt\u0161\u00ed zdr\u017een\u00ed p\u0159i vy\u0159izov\u00e1n\u00ed p\u016fj\u010dek b\u00fdvalo spojeno s dokl\u00e1d\u00e1n\u00edm toto\u017enosti. Dnes to \u0159e\u0161\u00ed expresn\u00ed ov\u011b\u0159en\u00ed pomoc\u00ed Bank iD \u2013 sta\u010d\u00ed se p\u0159ihl\u00e1sit p\u0159es sv\u00e9 internetov\u00e9 bankovnictv\u00ed a va\u0161e toto\u017enost je potvrzena b\u011bhem okam\u017eiku, bez pos\u00edl\u00e1n\u00ed kopi\u00ed doklad\u016f a bez zbyte\u010dn\u00e9ho \u010dek\u00e1n\u00ed. \u017d\u00e1dost lze podat kdykoli, proto\u017ee dostupnost syst\u00e9mu je nep\u0159etr\u017eit\u00e1 \u2013 sedm dn\u00ed v t\u00fddnu, 24 hodin denn\u011b, v\u010detn\u011b v\u00edkend\u016f a st\u00e1tn\u00edch sv\u00e1tk\u016f. Pokud v\u00e1m tedy v ned\u011bli ve\u010der nebo na \u0160t\u011bdr\u00fd den p\u0159ijde ne\u010dekan\u00fd v\u00fddaj, nemus\u00edte \u010dekat na otev\u00edrac\u00ed dobu pobo\u010dky ani na pond\u011bln\u00ed r\u00e1no.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Podm\u00ednky p\u016fj\u010dky je nutn\u00e9 zn\u00e1t d\u0159\u00edv, ne\u017e se rozhodnete<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti si v\u017edy pe\u010dliv\u011b prostudujte, co si vlastn\u011b berete. V\u00fd\u0161e p\u016fj\u010dky se pohybuje od 1 000 K\u010d do 30 000 K\u010d, p\u0159i\u010dem\u017e nov\u00ed klienti mohou po\u017e\u00e1dat a\u017e o 20 000 K\u010d. Splatnost si vol\u00edte sami, maxim\u00e1ln\u011b v\u0161ak 30 dn\u00ed. Pro nov\u00e1\u010dky plat\u00ed zaj\u00edmav\u00e1 nab\u00eddka: prvn\u00ed p\u016fj\u010dka je zdarma, ale pouze na dobu 10 dn\u00ed a do v\u00fd\u0161e 20 000 K\u010d. Pokud zvol\u00edte del\u0161\u00ed splatnost, poplatek se ji\u017e \u00fa\u010dtuje. Nikoho nezaj\u00edm\u00e1, na co pen\u00edze pot\u0159ebujete \u2013 \u00fa\u010del p\u016fj\u010dky se nedokl\u00e1d\u00e1 ani nezkoum\u00e1. V\u0161e prob\u011bhne online, bez pap\u00edrov\u00e1n\u00ed, bez ru\u010ditele a bez n\u00e1v\u0161t\u011bvy jak\u00e9hokoli kamenn\u00e9ho m\u00edsta.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kr\u00e1tkodob\u00e1 p\u016fj\u010dka funguje jen tehdy, kdy\u017e v\u00edte, \u010d\u00edm ji splat\u00edte<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u010c\u00edst podm\u00ednky nesta\u010d\u00ed \u2013 mus\u00edte m\u00edt jasn\u00fd pl\u00e1n. <a href=\"https:\/\/pujckabezvolani.cz\/blog\/kratkodoba-pujcka\/\">Kr\u00e1tkodob\u00e1 p\u016fj\u010dka<\/a> d\u00e1v\u00e1 ekonomick\u00fd smysl pouze tehdy, pokud p\u0159esn\u011b v\u00edte, z \u010deho ji do 30 dn\u00ed uhrad\u00edte. Ide\u00e1ln\u00edm sc\u00e9n\u00e1\u0159em je situace, kdy na v\u00e1s \u010dek\u00e1 p\u0159\u00edjem \u2013 v\u00fdplata, honor\u00e1\u0159 nebo vr\u00e1cen\u00ed z\u00e1lohy \u2013 ale pot\u0159ebujete pen\u00edze je\u0161t\u011b p\u0159ed jeho p\u0159ips\u00e1n\u00edm. Naopak kr\u00e1tkodob\u00e9 financov\u00e1n\u00ed nen\u00ed vhodn\u00e9 \u0159e\u0161en\u00ed pro p\u0159eklenut\u00ed dlouhodob\u00e9ho v\u00fdpadku p\u0159\u00edjm\u016f nebo jako z\u00e1plata na nahromad\u011bn\u00e9 dluhy. Na to ukazuje i takzvan\u00e1 RPSN, tedy ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f. U kr\u00e1tkodob\u00e9 p\u016fj\u010dky dosahuje velmi vysok\u00fdch \u010d\u00edsel, proto\u017ee se jednor\u00e1zov\u00fd poplatek p\u0159epo\u010d\u00edt\u00e1v\u00e1 na cel\u00fd rok. Podle reprezentativn\u00edho p\u0159\u00edkladu m\u016f\u017ee RPSN p\u0159es\u00e1hnout 5 000 %, co\u017e na prvn\u00ed pohled vypad\u00e1 alarmuj\u00edcn\u011b \u2013 jde ale o matematick\u00fd efekt p\u0159epo\u010dtu, nikoli o v\u00fd\u0161i skute\u010dn\u011b zaplacen\u00e9 \u010d\u00e1stky za 10 nebo 30 dn\u00ed. P\u0159esto je t\u0159eba tato \u010d\u00edsla br\u00e1t v\u00e1\u017en\u011b a p\u016fj\u010dovat si pouze tehdy, kdy m\u00e1te jistotu splacen\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Opakovan\u00ed klienti z\u00edsk\u00e1vaj\u00ed vy\u0161\u0161\u00ed limit i v\u011bt\u0161\u00ed d\u016fv\u011bru<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Zodpov\u011bdn\u00e9 spl\u00e1cen\u00ed se vypl\u00e1c\u00ed i p\u0159i dal\u0161\u00edm vyu\u017eit\u00ed slu\u017eby. Klienti, kte\u0159\u00ed prvn\u00ed p\u016fj\u010dku splat\u00ed v\u010das, mohou p\u0159i opakovan\u00e9 \u017e\u00e1dosti z\u00edskat a\u017e 30 000 K\u010d \u2013 tedy o t\u0159etinu v\u00edce ne\u017e p\u0159i prvn\u00ed p\u016fj\u010dce. Tato mo\u017enost ocen\u00ed ti, kdo pot\u0159ebuj\u00ed pokr\u00fdt v\u011bt\u0161\u00ed neo\u010dek\u00e1van\u00fd v\u00fddaj, nap\u0159\u00edklad opravu vozidla nebo nutnou v\u00fdm\u011bnu dom\u00e1c\u00edho spot\u0159ebi\u010de. Cel\u00fd proces z\u016fst\u00e1v\u00e1 stejn\u011b pohodln\u00fd jako p\u0159i prvn\u00ed \u017e\u00e1dosti \u2013 \u017e\u00e1dn\u00e9 telefon\u00e1ty, \u017e\u00e1dn\u00e9 pobo\u010dky, \u017e\u00e1dn\u00e9 pap\u00edrov\u00e1n\u00ed. Pokud hled\u00e1te poskytovatele, kter\u00fd cel\u00fd proces skute\u010dn\u011b vy\u0159\u00edd\u00ed bezkontaktn\u011b a bez obt\u011b\u017eov\u00e1n\u00ed, pod\u00edvejte se na P\u016fj\u010dkaBezVol\u00e1n\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Reprezentativn\u00ed p\u0159\u00edklad: Celkov\u00e1 v\u00fd\u0161e spot\u0159ebitelsk\u00e9ho \u00fav\u011bru 1000 K\u010d, Doba trv\u00e1n\u00ed 30 dn\u00ed, Poplatek za poskytnut\u00ed \u00fav\u011bru 360 K\u010d, Ro\u010dn\u00ed \u00farokov\u00e1 sazba 36,5 %, RPSN 5395,58 %, Celkov\u00e1 \u010d\u00e1stka splatn\u00e1 spot\u0159ebitelem 1390 K\u010d.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rozbit\u00e9 topen\u00ed v lednu, nedoplatek za energie nebo ne\u010dekan\u00e1 oprava auta \u2013 takov\u00e9 situace p\u0159ich\u00e1zej\u00ed bez varov\u00e1n\u00ed a m\u00e1lokdy se vejdou do rodinn\u00e9ho rozpo\u010dtu. P\u0159esn\u011b tehdy lid\u00e9 za\u010d\u00ednaj\u00ed hledat rychl\u00e9 \u0159e\u0161en\u00ed, a mal\u00e9 nebankovn\u00ed p\u016fj\u010dky pat\u0159\u00ed mezi nej\u010dast\u011bji vyhled\u00e1van\u00e9 mo\u017enosti. Nejde p\u0159itom jen o dostupnost pen\u011bz, ale tak\u00e9 o to, jak cel\u00fd proces prob\u011bhne \u2013 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1181,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[12],"tags":[],"class_list":["post-1180","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/finblog.cz\/index.php?rest_route=\/wp\/v2\/posts\/1180","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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finblog.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1180"}],"version-history":[{"count":1,"href":"https:\/\/finblog.cz\/index.php?rest_route=\/wp\/v2\/posts\/1180\/revisions"}],"predecessor-version":[{"id":1182,"href":"https:\/\/finblog.cz\/index.php?rest_route=\/wp\/v2\/posts\/1180\/revisions\/1182"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finblog.cz\/index.php?rest_route=\/wp\/v2\/media\/1181"}],"wp:attachment":[{"href":"https:\/\/finblog.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1180"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finblog.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1180"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finblog.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1180"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}