{"id":123,"date":"2022-11-14T19:09:00","date_gmt":"2022-11-14T18:09:00","guid":{"rendered":"https:\/\/www.coolmoney.cz\/clanky\/?p=123"},"modified":"2022-11-14T19:09:00","modified_gmt":"2022-11-14T18:09:00","slug":"pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody","status":"publish","type":"post","link":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/","title":{"rendered":"P\u016fj\u010dka pro nezam\u011bstnan\u00e9 a jej\u00ed v\u00fdhody a nev\u00fdhody"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row][vc_column][vc_column_text]V\u011bt\u0161ina p\u016fj\u010dek je dostupn\u00e1 pouze klient\u016fm se zam\u011bstn\u00e1n\u00edm \u2013 ide\u00e1ln\u011b na dobu neur\u010ditou, kte\u0159\u00ed mohou prok\u00e1zat sv\u00e9 p\u0159\u00edjmy. Ne ka\u017ed\u00fd se v\u0161ak m\u016f\u017ee pochlubit st\u00e1l\u00fdm p\u0159\u00edjmem. Mo\u017en\u00e1 jste pr\u00e1v\u011b p\u0159i\u0161li o pr\u00e1ci, jste v\u00a0d\u016fchodu \u010di na mate\u0159sk\u00e9 nebo jste t\u0159eba OSV\u010c a nem\u016f\u017eete prok\u00e1zat sv\u00e9 p\u0159\u00edjmy. A\u0165 u\u017e pat\u0159\u00edte do kter\u00e9koliv ze zm\u00edn\u011bn\u00fdch skupin, <strong>pravd\u011bpodobn\u011b budete m\u00edt probl\u00e9m z\u00edskat klasickou bankovn\u00ed nebo t\u0159eba i <\/strong><a href=\"https:\/\/www.coolmoney.cz\/clanky\/pujcky-bez-registru-a-potvrzeni-prijmu\/\"><strong>nebankovn\u00ed p\u016fj\u010dku<\/strong><\/a>. Co d\u011blat v\u00a0 p\u0159\u00edpad\u011b, \u017ee nem\u016f\u017eete prok\u00e1zat sv\u00e9 p\u0159\u00edjmy, ale pot\u0159ebujete rychle \u0159e\u0161it finan\u010dn\u00ed nedostatek, ne\u017e si najdete nov\u00e9 zam\u011bstn\u00e1n\u00ed?[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<style>.vcex-button.vcex_6a1bcfd256a6e{border-radius:50px;background:#86ad00;color:#ffffff!important;padding-block:18px;padding-inline:40px;font-size:20px;font-weight:400;}.vcex-button.vcex_6a1bcfd256a6e:hover{background:#628c00!important;}<\/style><div class=\"theme-button-wrap textcenter wpex-clr\"><a href=\"https:\/\/www.coolmoney.cz\/#slform\" class=\"vcex-button theme-button align-center inline vcex_6a1bcfd256a6e\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Za\u017e\u00e1dat o p\u016fj\u010dku<span class=\"vcex-button-icon vcex-icon-wrap theme-button-icon-right\"><span class=\"wpex-icon wpex-icon--bidi\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M438.6 278.6c12.5-12.5 12.5-32.8 0-45.3l-160-160c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3L338.8 224 32 224c-17.7 0-32 14.3-32 32s14.3 32 32 32l306.7 0L233.4 393.4c-12.5 12.5-12.5 32.8 0 45.3s32.8 12.5 45.3 0l160-160z\"\/><\/svg><\/span><\/span><\/span><\/a><\/div> [\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]Pr\u00e1v\u011b pro v\u00e1s m\u016f\u017ee b\u00fdt vhodn\u00e1 <strong>p\u016fj\u010dka pro nezam\u011bstnan\u00e9, jej\u00ed\u017e poskytovatel\u00e9 neprov\u011b\u0159uj\u00ed v\u00fd\u0161i p\u0159\u00edjm\u016f \u017eadatele a jsou ochotn\u00ed v\u00e1m p\u0159esto schv\u00e1lit \u00fav\u011br<\/strong>. Nemus\u00edte se p\u0159itom b\u00e1t omezen\u00e9 nab\u00eddky, proto\u017ee na \u010desk\u00e9m \u00fav\u011brov\u00e9m trhu roste po\u010det v\u011b\u0159itel\u016f, kte\u0159\u00ed v\u00e1m jsou ochotn\u00ed p\u016fj\u010dit, p\u0159esto\u017ee nem\u00e1te st\u00e1l\u00e9 zam\u011bstn\u00e1n\u00ed. Obvykle v\u00e1m poskytnou kr\u00e1tkodob\u011bj\u0161\u00ed p\u016fj\u010dku s\u00a0ni\u017e\u0161\u00edm \u00fav\u011brov\u00fdm r\u00e1mcem a d\u00e9lkou splatnosti do 30 dn\u016f. Podstatn\u00e9 je, \u017ee tuto <a href=\"https:\/\/www.coolmoney.cz\/clanky\/rychla-pujcka-ihned-na-ucet\/\">p\u016fj\u010dku m\u016f\u017eete z\u00edskat ihned na \u00fa\u010det<\/a> a vy\u0159e\u0161it tak sou\u010dasnou nep\u0159\u00edjemnou situaci. <strong>Hled\u00e1te-li pak <\/strong><a href=\"https:\/\/www.coolmoney.cz\/clanky\/dlouhodoba-pujcka-bez-registru\/\"><strong>dlouhodobou p\u016fj\u010dku<\/strong><\/a><strong> pro nezam\u011bstnan\u00e9, rovn\u011b\u017e se \u0159e\u0161en\u00ed najde, obvykle v\u0161ak bude t\u0159eba za \u00fav\u011br ru\u010dit majetkem<\/strong>, nebo se bude muset n\u011bkdo za v\u00e1\u0161 \u00fav\u011br zaru\u010dit.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]\n<h2>Jak\u00e9 jsou hlavn\u00ed v\u00fdhody p\u016fj\u010dky pro nezam\u011bstnan\u00e9?<\/h2>\n<ul>\n<li><strong>Rychlost vy\u0159\u00edzen\u00ed<\/strong>: P\u016fj\u010dky pro nezam\u011bstnan\u00e9 v\u00a0z\u00e1sad\u011b nab\u00edzej\u00ed pouze nebankovn\u00ed v\u011b\u0159itel\u00e9 a jejich nesporn\u00e1 v\u00fdhoda oproti bankovn\u00edm instituc\u00edm spo\u010d\u00edv\u00e1 v\u00a0mo\u017enosti rychl\u00e9ho sjedn\u00e1n\u00ed \u00fav\u011bru. \u017d\u00e1dost o p\u016fj\u010dku je mo\u017en\u00e9 podat online, schvalovac\u00ed proces si nevy\u017eaduje tolik dokument\u016f a proto je p\u016fj\u010dka pro nezam\u011bstnan\u00e9 zpravidla schv\u00e1len\u00e1 do n\u011bkolika minut.<\/li>\n<li><strong>Okam\u017eit\u00e9 vyplacen\u00ed pen\u011bz<\/strong>: Nejenom posouzen\u00ed \u017e\u00e1dosti a schv\u00e1len\u00ed p\u016fj\u010dky prob\u00edh\u00e1 velmi rychle. Nebankovn\u00ed v\u011b\u0159itel\u00e9 v\u00e1m jsou tak\u00e9 schopn\u00ed vyplatit p\u016fj\u010dku pro nezam\u011bstnan\u00e9 na v\u00e1\u0161 bankovn\u00ed \u00fa\u010det u\u017e za p\u00e1r minut od podpisu \u00fav\u011brov\u00e9 smlouvy.<\/li>\n<li><strong>Zna\u010dn\u00e1 dostupnost<\/strong>: Na bankovn\u00ed \u00fav\u011br z\u00edsk\u00e1 n\u00e1rok pouze mal\u00e1 skupina klient\u016f, kte\u0159\u00ed nemaj\u00ed negativn\u00ed z\u00e1znamy v\u00a0registrech dlu\u017en\u00edk\u016f a disponuj\u00ed zna\u010dn\u00fdmi a ov\u011b\u0159iteln\u00fdmi p\u0159\u00edjmy. P\u016fj\u010dky pro nezam\u011bstnan\u00e9 jsou ur\u010den\u00e9 pro m\u00e9n\u011b bonitn\u00ed klienti, kte\u0159\u00ed nap\u0159\u00edklad pr\u00e1v\u011b p\u0159i\u0161li o pr\u00e1ci, nebo necht\u011bj\u00ed \u010di nem\u016f\u017eou prok\u00e1zat sv\u00e9 p\u0159\u00edjmy. Proto jsou vhodn\u00e9 t\u00e9m\u011b\u0159 pro jak\u00e9hokoliv \u017eadatele. By\u0165 nedisponujete dostate\u010dn\u011b vysok\u00fdm p\u0159\u00edjmem, kter\u00fd lze ov\u011b\u0159it, p\u0159esto v\u00e1m bude \u017e\u00e1dost o p\u016fj\u010dku pravd\u011bpodobn\u011b schv\u00e1lena. A\u010dkoliv v\u0161ak v\u011b\u0159itel nepo\u017eaduje potvrzen\u00ed od zam\u011bstnavatele ani v\u00fdpisy z\u00a0\u00fa\u010dtu, v\u017edy m\u011bjte na pam\u011bti, \u017ee bude t\u0159eba p\u016fj\u010dku d\u0159\u00edve, nebo pozd\u011bji splatit. Proto byste m\u011bli disponovat dostate\u010dn\u00fdm p\u0159\u00edjmem pro jej\u00ed splacen\u00ed, by\u0165 ho nap\u0159\u00edklad nelze prok\u00e1zat.<\/li>\n<li><strong>Nep\u0159eplat\u00edte p\u0159\u00edli\u0161 vysokou \u010d\u00e1stku<\/strong>: Prost\u0159ednictv\u00edm p\u016fj\u010dky pro nezam\u011bstnan\u00e9 je obvykle mo\u017en\u00e9 si po\u0159\u00eddit pouze ni\u017e\u0161\u00ed \u010d\u00e1stku s\u00a0kr\u00e1tkou dobou splatnosti. To v\u0161ak p\u0159in\u00e1\u0161\u00ed tak\u00e9 v\u00fdhodu \u2013 d\u00edky kr\u00e1tk\u00e9 dob\u011b splatnosti nep\u0159eplat\u00edte p\u0159\u00edli\u0161 mnoho pen\u011bz navzdory vy\u0161\u0161\u00ed \u00farokov\u00e9 sazb\u011b, kter\u00e1 tyto \u00fav\u011bry charakterizuje.<\/li>\n<li><strong>Zna\u010dn\u00e1 flexibilita<\/strong>: Proto\u017ee se jedn\u00e1 o ne\u00fa\u010delov\u00e9 \u00fav\u011bry, je mo\u017en\u00e9 vyu\u017e\u00edt pen\u00edze jakkoliv uzn\u00e1te za vhodn\u00e9. A\u0165 se v\u00e1m porouchal dom\u00e1c\u00ed spot\u0159ebi\u010d, pot\u0159ebujete uhradit nedoplatek za energie nebo zaplatit za opravu auta, p\u016fj\u010dka pro nezam\u011bstnan\u00e9 v\u00e1m m\u016f\u017ee pomoci.<\/li>\n<\/ul>\n<div class=\"wpex-alert wpex-alert-info\">\n<p><strong>N\u00e1\u0161 tip<\/strong>: <a href=\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/\"><em>P\u016fj\u010dka na auto: Nejsnadn\u011bj\u0161\u00ed cesty k financov\u00e1n\u00ed automobilu a nej\u010dast\u011bj\u0161\u00ed chyby<\/em><\/a><\/p>\n<\/div>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<style>.vcex-button.vcex_6a1bcfd25785e{border-radius:50px;background:#86ad00;color:#ffffff!important;padding-block:18px;padding-inline:40px;font-size:20px;font-weight:400;}.vcex-button.vcex_6a1bcfd25785e:hover{background:#628c00!important;}<\/style><div class=\"theme-button-wrap textcenter wpex-clr\"><a href=\"https:\/\/www.coolmoney.cz\/#slform\" class=\"vcex-button theme-button align-center inline vcex_6a1bcfd25785e\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Za\u017e\u00e1dat o p\u016fj\u010dku<span class=\"vcex-button-icon vcex-icon-wrap theme-button-icon-right\"><span class=\"wpex-icon wpex-icon--bidi\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M438.6 278.6c12.5-12.5 12.5-32.8 0-45.3l-160-160c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3L338.8 224 32 224c-17.7 0-32 14.3-32 32s14.3 32 32 32l306.7 0L233.4 393.4c-12.5 12.5-12.5 32.8 0 45.3s32.8 12.5 45.3 0l160-160z\"\/><\/svg><\/span><\/span><\/span><\/a><\/div> [\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]\n<h2>Co si m\u00e1 klient p\u0159edstavit pod pojmem p\u016fj\u010dka pro nezam\u011bstnan\u00e9?<\/h2>\n<p>V\u00a0dne\u0161n\u00ed dob\u011b se m\u016f\u017eete b\u011bhem velmi kr\u00e1tk\u00e9 doby dostat do velmi nep\u0159\u00edjemn\u00e9 finan\u010dn\u00ed situace, t\u00edm sp\u00ed\u0161, pokud p\u0159ijdete o zam\u011bstn\u00e1n\u00ed. Co d\u011blat ve chv\u00edli, kdy v\u00e1m p\u0159estane jezdit automobil, nebo se v\u00e1m porouch\u00e1 ledni\u010dka a vy nedisponujete dostate\u010dnou finan\u010dn\u00ed rezervou, abyste mohli tyto situace uhradit z\u00a0vlastn\u00ed kapsy?<\/p>\n<p>P\u016fj\u010dka pro nezam\u011bstnan\u00e9 je standardn\u00ed p\u016fj\u010dka, kterou <strong>poskytuj\u00ed nebankovn\u00ed v\u011b\u0159itel\u00e9, je\u017e jsou klient\u016fm ochotn\u00ed p\u016fj\u010dit, ani\u017e by prov\u011b\u0159ovali v\u00fd\u0161i jejich p\u0159\u00edjm\u016f<\/strong>. O tento typ \u00fav\u011bru je mo\u017en\u00e9 \u017e\u00e1dat online \u2013 standardn\u011b prost\u0159ednictv\u00edm popt\u00e1vkov\u00e9ho formul\u00e1\u0159e. Vypln\u00edte ve\u0161ker\u00e9 po\u017eadovan\u00e9 informace a n\u00e1sledn\u011b pouze vy\u010dk\u00e1te na verdikt \u00fav\u011brov\u00e9 spole\u010dnosti. Pen\u00edze je obvykle mo\u017en\u00e9 \u010derpat je\u0161t\u011b tent\u00fd\u017e den na v\u00e1\u0161 bankovn\u00ed \u00fa\u010det a v\u00fdhodou p\u016fj\u010dky pro nezam\u011bstnan\u00e9 je i jej\u00ed ne\u00fa\u010delovost. Z\u00e1rove\u0148 se standardn\u011b jedn\u00e1 o kr\u00e1tkodob\u00e9 p\u016fj\u010dky, proto jejich splatnost \u010din\u00ed nej\u010dast\u011bji 30 dn\u00ed.<\/p>\n<p><strong>Pt\u00e1te se, pro koho je p\u016fj\u010dka do v\u00fdplaty nejv\u00fdhodn\u011bj\u0161\u00ed<\/strong>? Jedn\u00e1 se o klienty, kte\u0159\u00ed nemohou prok\u00e1zat sv\u016fj p\u0159\u00edjem a na pen\u00edze velmi sp\u011bchaj\u00ed \u2013 ide\u00e1ln\u011b by je cht\u011bli m\u00edt na bankovn\u00edm \u00fa\u010dtu je\u0161t\u011b tent\u00fd\u017e den. Typick\u00fdm \u010dlov\u011bkem \u017e\u00e1daj\u00edc\u00edm u tento \u00fav\u011br je klient, kter\u00fd neusp\u011bl se svou \u017e\u00e1dosti v\u00a0bance. Nej\u010dast\u011bji o p\u016fj\u010dku pro nezam\u011bstnan\u00e9 \u017e\u00e1daj\u00ed:<\/p>\n<ul>\n<li>Lid\u00e9 bez st\u00e1l\u00e9ho zam\u011bstn\u00e1n\u00ed<\/li>\n<li>Maminky na mate\u0159sk\u00e9<\/li>\n<li>OSV\u010c<\/li>\n<li>Studenti<\/li>\n<li>D\u016fchodci<\/li>\n<\/ul>\n<p>I kdy\u017e se v\u0161ak jedn\u00e1 o p\u016fj\u010dku pro nezam\u011bstnan\u00e9, je d\u016fle\u017eit\u00e9, abyste m\u011bli p\u0159\u00edjem, jeho\u017e prost\u0159ednictv\u00edm budete schopn\u00ed p\u016fj\u010dku splatit. <strong>Jak\u00e9 mohou b\u00fdt nap\u0159\u00edklad tyto p\u0159\u00edjmy<\/strong>?<\/p>\n<ul>\n<li>Soci\u00e1ln\u00ed d\u00e1vky<\/li>\n<li>D\u016fchod<\/li>\n<li>P\u0159\u00edsp\u011bvky na d\u011bti<\/li>\n<li>P\u0159\u00edjmy z\u00a0investic \u010di z\u00a0pron\u00e1jmu<\/li>\n<li>Alimenty<\/li>\n<li>Brig\u00e1dy<\/li>\n<\/ul>\n<div class=\"wpex-alert wpex-alert-info\">\n<p><strong>N\u00e1\u0161 tip<\/strong>: <a href=\"https:\/\/www.coolmoney.cz\/clanky\/dlouhodoba-pujcka-bez-registru\/\"><em>Dlouhodob\u00e1 p\u016fj\u010dka bez registru: Co byste o n\u00ed m\u011bli v\u011bd\u011bt?<\/em><\/a><\/p>\n<\/div>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<figure class=\"vcex-image vcex-module\"><div class=\"vcex-image-inner wpex-relative wpex-inline-block\"><img width=\"1100\" height=\"600\" src=\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/11\/vyhody-a-nevyhody-pujcek.jpg\" class=\"vcex-image-img wpex-align-middle\" alt=\"Jak\u00e9 m\u00e1 v\u00fdhody a nev\u00fdhody rychl\u00e1 p\u016fj\u010dka pro nezam\u011bstnan\u00e9\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/11\/vyhody-a-nevyhody-pujcek.jpg 1100w, https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/11\/vyhody-a-nevyhody-pujcek-300x164.jpg 300w, https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/11\/vyhody-a-nevyhody-pujcek-1024x559.jpg 1024w, https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/11\/vyhody-a-nevyhody-pujcek-768x419.jpg 768w, https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/11\/vyhody-a-nevyhody-pujcek-20x11.jpg 20w\" sizes=\"auto, (max-width: 1100px) 100vw, 1100px\" \/><\/div><\/figure>[\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]\n<h2>Jak\u00e9 jsou nev\u00fdhody t\u011bchto p\u016fj\u010dek?<\/h2>\n<ul>\n<li><strong>Jsou dra\u017e\u0161\u00ed<\/strong>: Nebankovn\u00ed spole\u010dnosti poskytuj\u00edc\u00ed\u00a0p\u016fj\u010dku pro nezam\u011bstnan\u00e9 si\u00a0kompenzuj\u00ed mo\u017en\u00e9 riziko vy\u0161\u0161\u00edmi \u00faroky.<\/li>\n<li><strong>Charakterizuje ji v\u011bt\u0161\u00ed riziko: <\/strong>Bez prok\u00e1z\u00e1n\u00ed p\u0159\u00edjm\u016f je\u00a0p\u016fj\u010dka pro nezam\u011bstnan\u00e9 rizikov\u00e1\u00a0i pro dlu\u017en\u00edka. Bez pravideln\u00e9ho p\u0159\u00edsunu financ\u00ed toti\u017e hroz\u00ed, \u017ee nebudete schopn\u00ed \u00fav\u011br spl\u00e1cet. Riziko na va\u0161\u00ed stran\u011b spo\u010d\u00edv\u00e1 v tom, \u017ee\u00a0nem\u00e1te pravideln\u00fd p\u0159\u00edjem, ze kter\u00e9ho byste mohli \u00fav\u011br spl\u00e1cet. V t\u00e9to situaci to m\u016f\u017ee b\u00fdt i krok do dluhov\u00e9 pasti. Ne\u017e si p\u016fj\u010d\u00edte, promyslete, jak budete p\u016fj\u010dku spl\u00e1cet.<\/li>\n<li><strong>P\u016fj\u010d\u00edte si pouze ni\u017e\u0161\u00ed \u010d\u00e1stku<\/strong>: P\u016fj\u010dky pro nezam\u011bstnan\u00e9 pov\u011bt\u0161inou charakterizuje zna\u010dn\u011b omezen\u00fd \u00fav\u011brov\u00fd r\u00e1mec, kter\u00fd se pohybuje v\u00a0ni\u017e\u0161\u00edch des\u00edtk\u00e1ch tis\u00edc korun.<\/li>\n<\/ul>\n<h2>6 krok\u016f, jak z\u00edskat v\u00fdhodnou p\u016fj\u010dku pro nezam\u011bstnan\u00e9<\/h2>\n<ol>\n<li><strong>Porovnejte si nab\u00eddky jednotliv\u00fdch v\u011b\u0159itel\u016f prost\u0159ednictv\u00edm srovn\u00e1va\u010de<\/strong>: Na \u00fav\u011brov\u00e9m trhu neexistuj\u00ed dva v\u011b\u0159itel\u00e9, kte\u0159\u00ed by v\u00e1m nab\u00eddli toto\u017en\u00e9 \u00fav\u011brov\u00e9 podm\u00ednky a kladli na klienty stejn\u011b po\u017eadavky. To, \u017ee v\u00e1\u0161 soused z\u00edskal nejv\u00fdhodn\u011bj\u0161\u00ed p\u016fj\u010dku u v\u011b\u0159itele XY neznamen\u00e1, \u017ee na tom budete stejn\u011b. Proto se vyplat\u00ed za ka\u017ed\u00e9 situace dostupn\u00e9 nab\u00eddky \u00fav\u011br\u016f porovnat, abyste si vybrali alternativu, kter\u00e1 nejl\u00e9pe vyhovuje va\u0161\u00ed unik\u00e1tn\u00ed \u017eivotn\u00ed situaci.<\/li>\n<li><strong>Vypl\u0148te popt\u00e1vkov\u00fd formul\u00e1\u0159<\/strong> <strong>\u017e\u00e1dosti o p\u016fj\u010dku<\/strong>: Pokud ji\u017e m\u00e1te vybran\u00e9ho v\u011b\u0159itele, vypl\u0148te formul\u00e1\u0159 \u017e\u00e1dosti o p\u016fj\u010dku. Tento krok je st\u00e1le nez\u00e1vazn\u00fd a nav\u00edc v\u00e1m m\u016f\u017ee p\u0159ibli\u017en\u011b nazna\u010dit, s\u00a0jak\u00fdmi \u00fav\u011brov\u00fdmi podm\u00ednkami m\u016f\u017eete po\u010d\u00edtat.<\/li>\n<li><strong>Rozmyslete si, zda budete schopn\u00ed p\u016fj\u010dku splatit<\/strong>: Ne\u017e podep\u00ed\u0161ete \u00fav\u011brovou smlouvu, dob\u0159e si rozmyslete, zda budete schopn\u00ed p\u016fj\u010dku v\u010detn\u011b ve\u0161ker\u00fdch v\u00fdp\u016fj\u010dn\u00edch n\u00e1klad\u016f splatit. Jej\u00ed nesplacen\u00ed by mohlo nejenom zhor\u0161it va\u0161i bonitu, ale dokonce v\u00e1s uvrhnout do mnohem v\u00fdrazn\u011bj\u0161\u00edch finan\u010dn\u00edch probl\u00e9m\u016f. Pokud si nem\u016f\u017eete p\u016fj\u010dku za nab\u00edzen\u00fdch podm\u00ednek dovolit, zva\u017ete, zda k\u00a0\u017e\u00e1dosti nep\u0159izvete ru\u010ditele. Bonitn\u00ed ru\u010ditel s\u00a0p\u0159\u00edjmem v\u00e1m zajist\u00ed mnohem v\u00fdhodn\u011bj\u0161\u00ed \u00fav\u011brov\u00e9 podm\u00ednky. Nev\u00fdhodou v\u0161ak samoz\u0159ejm\u011b je, \u017ee v\u00a0p\u0159\u00edpad\u011b nespl\u00e1cen\u00ed \u00fav\u011bru bude muset ru\u010ditel uhradit p\u016fj\u010dku za v\u00e1s.<\/li>\n<li><strong>Za\u017e\u00e1dejte o p\u016fj\u010dku<\/strong>: Pokud v\u00e1m \u00fav\u011brov\u00e9 podm\u00ednky vyhovuj\u00ed, nezb\u00fdv\u00e1 ne\u017e po\u017e\u00e1dat o p\u016fj\u010dku. Pokud na pen\u00edze sp\u011bch\u00e1te a chcete-li proces \u017e\u00e1dosti o p\u016fj\u010dku urychlit, ur\u010dit\u011b si dop\u0159edu p\u0159ipravte dokumenty, kter\u00e9 po v\u00e1s mohou b\u00fdt v\u00a0procesu \u017e\u00e1dosti vy\u017eadov\u00e1ny. Poskytovatel\u00e9 p\u016fj\u010dek pro nezam\u011bstnan\u00e9 v\u0161ak v\u011bt\u0161inou vy\u017eaduj\u00ed pouze kontaktn\u00ed \u00fadaje, telefon, email a fotky jednoho \u010di dvou doklad\u016f toto\u017enosti.<\/li>\n<li><strong>\u010cerp\u00e1n\u00ed finan\u010dn\u00edch prost\u0159edk\u016f<\/strong>: K\u00a0vyhodnocen\u00ed va\u0161\u00ed \u017e\u00e1dosti doch\u00e1z\u00ed okam\u017eit\u011b a je-li schv\u00e1lena, v\u011b\u0159itel v\u00e1m za\u0161le k\u00a0podpisu \u00fav\u011brovou smlouvu. Po jej\u00edm prostudov\u00e1n\u00ed ji podep\u00ed\u0161ete (obvykle prost\u0159ednictv\u00edm SMS) a n\u00e1sledn\u011b m\u016f\u017eete v\u00a0r\u00e1mci n\u011bkolika minut \u010derpat finan\u010dn\u00ed prost\u0159edky na bankovn\u00ed \u00fa\u010det uveden\u00fd v\u00a0\u017e\u00e1dosti o p\u016fj\u010dku.<\/li>\n<\/ol>\n<div class=\"wpex-alert wpex-alert-info\">\n<p><strong>N\u00e1\u0161 tip<\/strong>: <a href=\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-dluzniky-na-ruku\/\"><em>Jak z\u00edskat okam\u017eitou p\u016fj\u010dku pro dlu\u017en\u00edky na ruku?<\/em><\/a><\/p>\n<\/div>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]\n<h2>Jak\u00e9 existuj\u00ed alternativy k\u00a0p\u016fj\u010dce pro nezam\u011bstnan\u00e9?<\/h2>\n<ul>\n<li>Alternativou k\u00a0p\u016fj\u010dce pro nezam\u011bstnan\u00e9 m\u016f\u017ee b\u00fdt revolvingov\u00fd \u00fav\u011br \u2013 kter\u00fd funguje podobn\u011b jako kontokorent (dal\u0161\u00ed z\u00a0mo\u017enost\u00ed). Jednodu\u0161e si dop\u0159edu sjedn\u00e1te ur\u010dit\u00fd \u00fav\u011brov\u00fd r\u00e1mec a z\u00a0toho posl\u00e9ze m\u016f\u017eete \u010derpat a velmi flexibiln\u011b ho spl\u00e1cet. Revolvingov\u00e9 \u00fav\u011bry si je mo\u017en\u00e9 sjednat i na pom\u011brn\u011b vysok\u00e9 \u010d\u00e1stky. Nev\u00fdhoda? Revolvingov\u00fd \u00fav\u011br i bankovn\u00ed kontokorent je t\u0159eba si sjednat v\u00a0obdob\u00ed, kdy disponujete prokazateln\u00fdmi p\u0159\u00edjmy. Tyto n\u00e1stroje tak mohou fungovat jako jist\u00e1 finan\u010dn\u00ed rezerva do obdob\u00ed ztr\u00e1ty zam\u011bstn\u00e1n\u00ed, po jeho ztr\u00e1t\u011b na n\u011b v\u0161ak u\u017e t\u011b\u017eko dos\u00e1hnete.<\/li>\n<li>Je-li to ve va\u0161i sil\u00e1ch, sna\u017ete se dlouhodob\u011b \u0161et\u0159it a odkl\u00e1dat si pen\u00edze stranou nap\u0159\u00edklad na spo\u0159ic\u00ed \u00fa\u010det. Nejedn\u00e1 se p\u0159itom pouze o energie, s\u00a0jejich\u017e spot\u0159ebou je rozumn\u00e9 zach\u00e1zet obez\u0159etn\u011b. M\u016f\u017ee se jednat tak\u00e9 o opakovan\u00e9 platby \u2013 nap\u0159\u00edklad p\u0159edplatn\u00e1, kter\u00e1 nevyu\u017e\u00edv\u00e1te \u2013 jejich\u017e zru\u0161en\u00edm m\u016f\u017eete dos\u00e1hnout zna\u010dn\u00e9 \u00faspory. V\u00a0neposledn\u00ed \u0159ad\u011b to jsou pak impulsivn\u00ed n\u00e1kupu zbyte\u010dnost\u00ed online, kter\u00fdm je dobr\u00e9 se vyhnout.<\/li>\n<\/ul>\n<p>Nen\u00ed od v\u011bci si samoz\u0159ejm\u011b tak\u00e9 ihned po ztr\u00e1t\u011b zam\u011bstn\u00e1n\u00ed hledat novou pr\u00e1ci. Dostanete-li se do \u0161patn\u00e9 finan\u010dn\u00ed situace, m\u016f\u017eete b\u00fdt n\u00e1chyln\u011bj\u0161\u00ed k\u00a0realizov\u00e1n\u00ed \u0161patn\u00fdch finan\u010dn\u00edch rozhodnut\u00ed a nedisponujete-li pravideln\u00fdm p\u0159\u00edjmem, m\u016f\u017ee b\u00fdt p\u016fj\u010dka pro nezam\u011bstnan\u00e9 tak\u00e9 posledn\u00edm pomysln\u00fd h\u0159eb\u00ed\u010dkem do va\u0161\u00ed finan\u010dn\u00ed rakve.<\/p>\n<div class=\"wpex-alert wpex-alert-info\">\n<p><strong>N\u00e1\u0161 tip<\/strong>: <a href=\"https:\/\/www.coolmoney.cz\/clanky\/rychla-pujcka-ihned-na-ucet\/\"><em>Rychl\u00e1 p\u016fj\u010dka ihned na \u00fa\u010det ka\u017ed\u00e9mu<\/em><\/a><\/p>\n<\/div>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<style>.vcex-button.vcex_6a1bcfd258dd9{border-radius:50px;background:#86ad00;color:#ffffff!important;padding-block:18px;padding-inline:40px;font-size:20px;font-weight:400;}.vcex-button.vcex_6a1bcfd258dd9:hover{background:#628c00!important;}<\/style><div class=\"theme-button-wrap textcenter wpex-clr\"><a href=\"https:\/\/www.coolmoney.cz\/#slform\" class=\"vcex-button theme-button align-center inline vcex_6a1bcfd258dd9\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Za\u017e\u00e1dat o p\u016fj\u010dku<span class=\"vcex-button-icon vcex-icon-wrap theme-button-icon-right\"><span class=\"wpex-icon wpex-icon--bidi\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M438.6 278.6c12.5-12.5 12.5-32.8 0-45.3l-160-160c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3L338.8 224 32 224c-17.7 0-32 14.3-32 32s14.3 32 32 32l306.7 0L233.4 393.4c-12.5 12.5-12.5 32.8 0 45.3s32.8 12.5 45.3 0l160-160z\"\/><\/svg><\/span><\/span><\/span><\/a><\/div> [\/vc_column][\/vc_row][vc_row][vc_column][vc_separator][\/vc_column][\/vc_row][vc_row][vc_column][vc_raw_html]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[\/vc_raw_html][vc_column_text]\n<h2>Co v\u00e1s nej\u010dast\u011bji zaj\u00edm\u00e1?<\/h2>\n<p><strong>Skute\u010dn\u011b si mohu sjednat p\u016fj\u010dku, i kdy\u017e nejsem zam\u011bstnan\u00fd? <\/strong><\/p>\n<p>Ano, na \u010desk\u00e9m \u00fav\u011brov\u00e9m trhu existuje \u0159ada nab\u00eddek p\u016fj\u010dek pro nezam\u011bstnan\u00e9. A\u010dkoliv v\u0161ak v\u011b\u0159itel nevy\u017eaduje dolo\u017een\u00ed p\u0159\u00edjm\u016f, je d\u016fle\u017eit\u00e9, abyste m\u011bli pen\u00edze na spl\u00e1cen\u00ed \u00fav\u011bru.<\/p>\n<p><strong>Jakou \u010d\u00e1stku m\u016f\u017eu s\u00a0p\u016fj\u010dkou pro nezam\u011bstnan\u00e9 z\u00edskat? <\/strong><\/p>\n<p>Standardn\u011b se jedn\u00e1 o ni\u017e\u0161\u00ed kr\u00e1tkodob\u00e9 p\u016fj\u010dky s\u00a0\u00fav\u011brov\u00fdm r\u00e1mcem do dvaceti tis\u00edc korun. Objevuj\u00ed se v\u0161ak i nab\u00eddky na dlouhodob\u00e9 p\u016fj\u010dky pro nezam\u011bstnan\u00e9, za kter\u00e9 je v\u0161ak obvykle t\u0159eba ru\u010dit majetkem, kter\u00fd je v\u00fdrazn\u011b hodnotn\u011bj\u0161\u00ed ne\u017e kolik \u010din\u00ed v\u00fd\u0161e \u00fav\u011bru.<\/p>\n<p><strong>Jak\u00e1 je obvykl\u00e1 splatnost t\u011bchto p\u016fj\u010dek? <\/strong><\/p>\n<p>Splatnost p\u016fj\u010dek pro nezam\u011bstnan\u00e9 \u010din\u00ed nej\u010dast\u011bji 30 dn\u00ed. S\u00a0ru\u010den\u00edm je mo\u017en\u00e9 si sjednat i dlouhodobou p\u016fj\u010dku. Tento \u00fav\u011br je mo\u017en\u00e9 splatit tak\u00e9 p\u0159ed\u010dasn\u011b, nej\u010dast\u011bji za poplatek, stejn\u011b tak je mo\u017en\u00e9 si prodlou\u017eit dobu spl\u00e1cen\u00ed \u2013 op\u011bt za poplatek, kter\u00fd se li\u0161\u00ed dle podm\u00ednek jednotliv\u00fdch v\u011b\u0159itel\u016f.<\/p>\n<p><strong>Jsou p\u016fj\u010dky pro nezam\u011bstnan\u00e9 pro klienta v\u00fdhodn\u00e9? <\/strong><\/p>\n<p>Tyto \u00fav\u011brov\u00e9 produkty v\u00e1m pochopiteln\u011b nemohou nab\u00eddnout podm\u00ednky srovnateln\u00e9 s\u00a0bankovn\u00edmi \u00fav\u011bry. Proto\u017ee jsou dostupn\u00e9 klient\u016fm s\u00a0ni\u017e\u0161\u00ed bonitou \u2013 nemohou prok\u00e1zat p\u0159\u00edjem \u2013 jsou pro v\u011b\u0159itele v\u00edce rizikov\u00e9 a v\u011b\u0159itel si za podstupovan\u00e9 riziko nech\u00e1v\u00e1 platit \u201epr\u00e9mii\u201c v\u00a0podob\u011b vy\u0161\u0161\u00edho \u00faroku \u010di dal\u0161\u00edch poplatk\u016f.<\/p>\n<p><strong>Mohu si tak\u00e9 sjednat p\u016fj\u010dku pro nezam\u011bstnan\u00e9 na ruku? <\/strong><\/p>\n<p>M\u00e1te-li z\u00e1jem o v\u00fdplatu pen\u011bz v\u00a0hotovosti i takov\u00e1 mo\u017enost se nab\u00edz\u00ed. Mus\u00edte v\u0161ak br\u00e1t v\u00a0\u00favahu, \u017ee v\u00a0takov\u00e9m p\u0159\u00edpad\u011b bude vy\u0159\u00edzen\u00ed p\u016fj\u010dky trvat del\u0161\u00ed dobu \u2013 pokud na pen\u00edze sp\u011bch\u00e1te, m\u011bli byste d\u00e1t p\u0159ednost bezhotovostn\u00ed v\u00fdplat\u011b.<\/p>\n<p><strong>Na co bych si m\u011bl d\u00e1t pozor p\u0159i v\u00fdb\u011bru p\u016fj\u010dky? <\/strong><\/p>\n<p>V\u00a0prv\u00e9 \u0159ad\u011b to je RPSN, co\u017e je jedin\u00e9 transparentn\u00ed krit\u00e9rium, jeho\u017e prost\u0159ednictv\u00edm lze porovnat celkovou n\u00e1kladnost jednotliv\u00fdch p\u016fj\u010dek. D\u00e1le byste v\u0161ak m\u011bli tak\u00e9 koukat na poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed, p\u0159\u00edpadn\u011b prodlou\u017een\u00ed splatnosti a tak\u00e9 na v\u00fd\u0161i sankc\u00ed, kter\u00e9 v\u00e1m hroz\u00ed, pokud se dostanete do probl\u00e9m\u016f se spl\u00e1cen\u00edm.[\/vc_column_text][\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]V\u011bt\u0161ina p\u016fj\u010dek je dostupn\u00e1 pouze klient\u016fm se zam\u011bstn\u00e1n\u00edm \u2013 ide\u00e1ln\u011b na dobu neur\u010ditou, kte\u0159\u00ed mohou prok\u00e1zat sv\u00e9 p\u0159\u00edjmy. Ne ka\u017ed\u00fd se v\u0161ak m\u016f\u017ee pochlubit st\u00e1l\u00fdm p\u0159\u00edjmem. Mo\u017en\u00e1 jste pr\u00e1v\u011b p\u0159i\u0161li o pr\u00e1ci, jste v\u00a0d\u016fchodu \u010di na mate\u0159sk\u00e9 nebo jste t\u0159eba OSV\u010c a nem\u016f\u017eete prok\u00e1zat sv\u00e9 p\u0159\u00edjmy. A\u0165 u\u017e pat\u0159\u00edte do kter\u00e9koliv ze zm\u00edn\u011bn\u00fdch skupin, pravd\u011bpodobn\u011b&hellip;<\/p>\n","protected":false},"author":1,"featured_media":126,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"post_series":[],"class_list":["post-123","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>P\u016fj\u010dka pro nezam\u011bstnan\u00e9 a jej\u00ed v\u00fdhody a nev\u00fdhody - COOL Money<\/title>\n<meta name=\"description\" content=\"M\u00e1te-li pravideln\u00e9 p\u0159\u00edjmy, pak nen\u00ed probl\u00e9m si sjednat p\u016fj\u010dku. Co v\u0161ak d\u011blat, pokud zam\u011bstn\u00e1n\u00ed nem\u00e1te? Pom\u016f\u017ee p\u016fj\u010dka pro nezam\u011bstnan\u00e9.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"P\u016fj\u010dka pro nezam\u011bstnan\u00e9 a jej\u00ed v\u00fdhody a nev\u00fdhody - COOL Money\" \/>\n<meta property=\"og:description\" content=\"M\u00e1te-li pravideln\u00e9 p\u0159\u00edjmy, pak nen\u00ed probl\u00e9m si sjednat p\u016fj\u010dku. Co v\u0161ak d\u011blat, pokud zam\u011bstn\u00e1n\u00ed nem\u00e1te? Pom\u016f\u017ee p\u016fj\u010dka pro nezam\u011bstnan\u00e9.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/\" \/>\n<meta property=\"og:site_name\" content=\"COOL Money\" \/>\n<meta property=\"article:published_time\" content=\"2022-11-14T18:09:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/11\/nezamezamestnany-par-a-deti.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1100\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Coolmoney.cz\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Coolmoney.cz\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/\"},\"author\":{\"name\":\"Coolmoney.cz\",\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/#\/schema\/person\/0eb7e42ed7ef2807ac57211b5f8395e4\"},\"headline\":\"P\u016fj\u010dka pro nezam\u011bstnan\u00e9 a jej\u00ed v\u00fdhody a nev\u00fdhody\",\"datePublished\":\"2022-11-14T18:09:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/\"},\"wordCount\":3205,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/11\/nezamezamestnany-par-a-deti.jpg\",\"articleSection\":[\"Informace\"],\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/\",\"url\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/\",\"name\":\"P\u016fj\u010dka pro nezam\u011bstnan\u00e9 a jej\u00ed v\u00fdhody a nev\u00fdhody - COOL Money\",\"isPartOf\":{\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/11\/nezamezamestnany-par-a-deti.jpg\",\"datePublished\":\"2022-11-14T18:09:00+00:00\",\"description\":\"M\u00e1te-li pravideln\u00e9 p\u0159\u00edjmy, pak nen\u00ed probl\u00e9m si sjednat p\u016fj\u010dku. Co v\u0161ak d\u011blat, pokud zam\u011bstn\u00e1n\u00ed nem\u00e1te? Pom\u016f\u017ee p\u016fj\u010dka pro nezam\u011bstnan\u00e9.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/#breadcrumb\"},\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/#primaryimage\",\"url\":\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/11\/nezamezamestnany-par-a-deti.jpg\",\"contentUrl\":\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/11\/nezamezamestnany-par-a-deti.jpg\",\"width\":1100,\"height\":600,\"caption\":\"Nezam\u011bstnan\u00fd p\u00e1r a d\u011bti.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Dom\u016f\",\"item\":\"https:\/\/www.coolmoney.cz\/clanky\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"P\u016fj\u010dka pro nezam\u011bstnan\u00e9 a jej\u00ed v\u00fdhody a nev\u00fdhody\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/#website\",\"url\":\"https:\/\/www.coolmoney.cz\/clanky\/\",\"name\":\"COOL Money\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.coolmoney.cz\/clanky\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"cs\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/#organization\",\"name\":\"COOL Money\",\"url\":\"https:\/\/www.coolmoney.cz\/clanky\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2021\/12\/logo-coolmoney.cz_.png\",\"contentUrl\":\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2021\/12\/logo-coolmoney.cz_.png\",\"width\":207,\"height\":39,\"caption\":\"COOL Money\"},\"image\":{\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/#\/schema\/person\/0eb7e42ed7ef2807ac57211b5f8395e4\",\"name\":\"Coolmoney.cz\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/2bb115352d6375cba1cc9c37add025bc32d318e3490f13251214039a91935704?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/2bb115352d6375cba1cc9c37add025bc32d318e3490f13251214039a91935704?s=96&d=mm&r=g\",\"caption\":\"Coolmoney.cz\"},\"sameAs\":[\"https:\/\/www.coolmoney.cz\/clanky\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"P\u016fj\u010dka pro nezam\u011bstnan\u00e9 a jej\u00ed v\u00fdhody a nev\u00fdhody - COOL Money","description":"M\u00e1te-li pravideln\u00e9 p\u0159\u00edjmy, pak nen\u00ed probl\u00e9m si sjednat p\u016fj\u010dku. Co v\u0161ak d\u011blat, pokud zam\u011bstn\u00e1n\u00ed nem\u00e1te? Pom\u016f\u017ee p\u016fj\u010dka pro nezam\u011bstnan\u00e9.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/","og_locale":"cs_CZ","og_type":"article","og_title":"P\u016fj\u010dka pro nezam\u011bstnan\u00e9 a jej\u00ed v\u00fdhody a nev\u00fdhody - COOL Money","og_description":"M\u00e1te-li pravideln\u00e9 p\u0159\u00edjmy, pak nen\u00ed probl\u00e9m si sjednat p\u016fj\u010dku. Co v\u0161ak d\u011blat, pokud zam\u011bstn\u00e1n\u00ed nem\u00e1te? Pom\u016f\u017ee p\u016fj\u010dka pro nezam\u011bstnan\u00e9.","og_url":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/","og_site_name":"COOL Money","article_published_time":"2022-11-14T18:09:00+00:00","og_image":[{"width":1100,"height":600,"url":"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/11\/nezamezamestnany-par-a-deti.jpg","type":"image\/jpeg"}],"author":"Coolmoney.cz","twitter_card":"summary_large_image","twitter_misc":{"Napsal(a)":"Coolmoney.cz","Odhadovan\u00e1 doba \u010dten\u00ed":"10 minut"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/#article","isPartOf":{"@id":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/"},"author":{"name":"Coolmoney.cz","@id":"https:\/\/www.coolmoney.cz\/clanky\/#\/schema\/person\/0eb7e42ed7ef2807ac57211b5f8395e4"},"headline":"P\u016fj\u010dka pro nezam\u011bstnan\u00e9 a jej\u00ed v\u00fdhody a nev\u00fdhody","datePublished":"2022-11-14T18:09:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/"},"wordCount":3205,"commentCount":0,"publisher":{"@id":"https:\/\/www.coolmoney.cz\/clanky\/#organization"},"image":{"@id":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/#primaryimage"},"thumbnailUrl":"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/11\/nezamezamestnany-par-a-deti.jpg","articleSection":["Informace"],"inLanguage":"cs","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/","url":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/","name":"P\u016fj\u010dka pro nezam\u011bstnan\u00e9 a jej\u00ed v\u00fdhody a nev\u00fdhody - COOL Money","isPartOf":{"@id":"https:\/\/www.coolmoney.cz\/clanky\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/#primaryimage"},"image":{"@id":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/#primaryimage"},"thumbnailUrl":"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/11\/nezamezamestnany-par-a-deti.jpg","datePublished":"2022-11-14T18:09:00+00:00","description":"M\u00e1te-li pravideln\u00e9 p\u0159\u00edjmy, pak nen\u00ed probl\u00e9m si sjednat p\u016fj\u010dku. Co v\u0161ak d\u011blat, pokud zam\u011bstn\u00e1n\u00ed nem\u00e1te? Pom\u016f\u017ee p\u016fj\u010dka pro nezam\u011bstnan\u00e9.","breadcrumb":{"@id":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/#breadcrumb"},"inLanguage":"cs","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/"]}]},{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/#primaryimage","url":"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/11\/nezamezamestnany-par-a-deti.jpg","contentUrl":"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/11\/nezamezamestnany-par-a-deti.jpg","width":1100,"height":600,"caption":"Nezam\u011bstnan\u00fd p\u00e1r a d\u011bti."},{"@type":"BreadcrumbList","@id":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-nezamestnane-a-jeji-vyhody-a-nevyhody\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Dom\u016f","item":"https:\/\/www.coolmoney.cz\/clanky\/"},{"@type":"ListItem","position":2,"name":"P\u016fj\u010dka pro nezam\u011bstnan\u00e9 a jej\u00ed v\u00fdhody a nev\u00fdhody"}]},{"@type":"WebSite","@id":"https:\/\/www.coolmoney.cz\/clanky\/#website","url":"https:\/\/www.coolmoney.cz\/clanky\/","name":"COOL Money","description":"","publisher":{"@id":"https:\/\/www.coolmoney.cz\/clanky\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.coolmoney.cz\/clanky\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"cs"},{"@type":"Organization","@id":"https:\/\/www.coolmoney.cz\/clanky\/#organization","name":"COOL Money","url":"https:\/\/www.coolmoney.cz\/clanky\/","logo":{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.coolmoney.cz\/clanky\/#\/schema\/logo\/image\/","url":"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2021\/12\/logo-coolmoney.cz_.png","contentUrl":"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2021\/12\/logo-coolmoney.cz_.png","width":207,"height":39,"caption":"COOL Money"},"image":{"@id":"https:\/\/www.coolmoney.cz\/clanky\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.coolmoney.cz\/clanky\/#\/schema\/person\/0eb7e42ed7ef2807ac57211b5f8395e4","name":"Coolmoney.cz","image":{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.coolmoney.cz\/clanky\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/2bb115352d6375cba1cc9c37add025bc32d318e3490f13251214039a91935704?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/2bb115352d6375cba1cc9c37add025bc32d318e3490f13251214039a91935704?s=96&d=mm&r=g","caption":"Coolmoney.cz"},"sameAs":["https:\/\/www.coolmoney.cz\/clanky"]}]}},"_links":{"self":[{"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/posts\/123","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/comments?post=123"}],"version-history":[{"count":4,"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/posts\/123\/revisions"}],"predecessor-version":[{"id":130,"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/posts\/123\/revisions\/130"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/media\/126"}],"wp:attachment":[{"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/media?parent=123"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/categories?post=123"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/tags?post=123"},{"taxonomy":"post_series","embeddable":true,"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/post_series?post=123"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}