{"id":82,"date":"2022-05-06T17:05:38","date_gmt":"2022-05-06T15:05:38","guid":{"rendered":"https:\/\/www.coolmoney.cz\/clanky\/?p=82"},"modified":"2022-05-06T17:06:40","modified_gmt":"2022-05-06T15:06:40","slug":"pujcka-pro-dluzniky-na-ruku","status":"publish","type":"post","link":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-pro-dluzniky-na-ruku\/","title":{"rendered":"Jak z\u00edskat okam\u017eitou p\u016fj\u010dku pro dlu\u017en\u00edky na ruku?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row][vc_column][vc_column_text]Ti \u0161\u0165astn\u011bj\u0161\u00ed z\u00a0n\u00e1s nemaj\u00ed probl\u00e9m z\u00edskat bankovn\u00ed \u00fav\u011br s\u00a0velmi v\u00fdhodn\u00fdmi podm\u00ednkami. Tyto \u017eadatele obvykle charakterizuje skv\u011bl\u00e1 bonita \u2013 vysok\u00e9 p\u0159\u00edjmy, n\u00edzk\u00e9 zadlu\u017een\u00ed, a nav\u00edc perfektn\u00ed \u00fav\u011brov\u00e9 registry. <strong>Existuje v\u0161ak \u0161irok\u00e1 skupina \u017eadatel\u016f o p\u016fj\u010dky, kte\u0159\u00ed se svou \u017e\u00e1dost\u00ed o \u00fav\u011br v\u00a0bance neusp\u011bj\u00ed<\/strong> a mus\u00ed se posl\u00e9ze porozhl\u00e9dnout n\u011bkde jinde. Jak\u00e9 maj\u00ed mo\u017enosti? Z\u00e1le\u017e\u00ed na situaci ka\u017ed\u00e9ho \u017eadatele. Pro ty, kte\u0159\u00ed maj\u00ed n\u00edzk\u00fd p\u0159\u00edjem nebo negativn\u00ed z\u00e1znamy v\u00a0registrech dlu\u017en\u00edk\u016f se obvykle n\u011bjak\u00e9 \u0159e\u0161en\u00ed najde, ale co kdy\u017e jde o kombinaci obou negativn\u00edch faktor\u016f? Co d\u011blat pot\u00e9? <strong>I pro tyto klienty se nab\u00edz\u00ed \u0159e\u0161en\u00ed<\/strong>.<\/p>\n<p>Nemus\u00ed se p\u0159itom jednat o notorick\u00e9 neplati\u010de dluh\u016f nebo probl\u00e9mov\u00e9 jedince. Do skupiny klient\u016f, kter\u00fdm banka ve sv\u00edzeln\u00e9 finan\u010dn\u00ed situaci nepom\u016f\u017ee, pat\u0159\u00ed i <strong>osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9, studenti, d\u016fchodci nebo maminky na mate\u0159sk\u00e9 dovolen\u00e9<\/strong>. Samoz\u0159ejm\u011b se m\u016f\u017ee jednat i o zam\u011bstnan\u00e9, kte\u0159\u00ed v\u00a0minulosti prost\u011b zapomn\u011bli na fakturu za energie nebo telefon. V\u0161echny tyto osoby jsou diskvalifikovan\u00e9 pro \u017e\u00e1dost o bankovn\u00ed p\u016fj\u010dku. A p\u0159esn\u011b <strong>pro tyto \u017eadatele se nab\u00edz\u00ed \u0159e\u0161en\u00ed na nebankovn\u00edm trhu<\/strong>. Jedn\u00e1 se o okam\u017eitou p\u016fj\u010dku pro dlu\u017en\u00edky na ruku.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<style>.vcex-button.vcex_6a3c03c8bde04{border-radius:50px;background:#86ad00;color:#ffffff!important;padding-block:18px;padding-inline:40px;font-size:20px;font-weight:400;}.vcex-button.vcex_6a3c03c8bde04: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_6a3c03c8bde04\"><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>Jak\u00e9 jsou hlavn\u00ed v\u00fdhody okam\u017eit\u00e9 p\u016fj\u010dky pro dlu\u017en\u00edky na ruku?<\/h2>\n<ol>\n<li><strong>Dostupnost<\/strong>: Okam\u017eit\u00e9 p\u016fj\u010dky pro dlu\u017en\u00edky na ruku jsou vhodn\u00e9 tak\u0159ka pro jak\u00e9hokoliv klienta. A\u0165 u\u017e bojujete s\u00a0negativn\u00edmi z\u00e1znamy v\u00a0registrech dlu\u017en\u00edk\u016f, nebo m\u00e1te n\u00edzk\u00fd p\u0159\u00edjem, nem\u011blo by to b\u00fdt p\u0159ek\u00e1\u017ekou p\u0159i schv\u00e1len\u00ed va\u0161\u00ed \u017e\u00e1dosti.<\/li>\n<li><strong>Rychl\u00e1 reakce<\/strong>: P\u016fj\u010dky pro probl\u00e9mov\u00e9 klienty, jako jsou ti s\u00a0negativn\u00ed \u00fav\u011brovou histori\u00ed nebo n\u00edzk\u00fdm p\u0159\u00edjmem, jsou obvykle dostupn\u00e9 online. V z\u00e1vislosti na v\u011b\u0159iteli tak m\u016f\u017eete m\u00edt pen\u00edze na bankovn\u00edm \u00fa\u010dtu ji\u017e za 15 minut.<\/li>\n<li><strong>Lze ji pou\u017e\u00edt na jak\u00fdkoli \u00fa\u010del<\/strong>: P\u016fj\u010dky pro dlu\u017en\u00edky na ruku ihned jsou ve sto procentech ne\u00fa\u010delov\u00e9, finan\u010dn\u00ed prost\u0159edky tak m\u016f\u017eete utratit za cokoli chcete. Mezi b\u011b\u017en\u00e9 d\u016fvody, pro\u010d si vz\u00edt p\u016fj\u010dku, pat\u0159\u00ed vylep\u0161en\u00ed bydlen\u00ed, n\u00e1kup dom\u00e1c\u00edch spot\u0159ebi\u010d\u016f, uhrazen\u00ed \u00fa\u010dt\u016f za energie nebo platba za dovolenou.<\/li>\n<li><strong>\u0160ance na zlep\u0161en\u00ed bonity<\/strong>: Nejlep\u0161\u00edm zp\u016fsobem, jak si zlep\u0161it svou bonitu, je zv\u00fd\u0161it p\u0159\u00edjem nebo zkr\u00e1tka vy\u010dkat. M\u00e1te-li negativn\u00ed z\u00e1znamy v\u00a0registrech dlu\u017en\u00edk\u016f, po \u010dase se sma\u017eou. Tento typ p\u016fj\u010dek tak m\u016f\u017eete vyu\u017e\u00edt k\u00a0p\u0159eklenut\u00ed obdob\u00ed, ne\u017e budete op\u011bt moci \u017e\u00e1dat o tradi\u010dn\u00ed bankovn\u00ed p\u016fj\u010dku.<\/li>\n<li><strong>V\u011bt\u0161\u00ed pravd\u011bpodobnost schv\u00e1len\u00ed \u017e\u00e1dosti<\/strong>: Va\u0161e mo\u017enosti jsou omezen\u011bj\u0161\u00ed, pokud m\u00e1te \u0161patnou bonitu, ale existuj\u00ed v\u011b\u0159itel\u00e9, kte\u0159\u00ed se specializuj\u00ed na klienty s\u00a0probl\u00e9movou \u00fav\u011brovou histori\u00ed \u010di n\u00edzk\u00fdm p\u0159\u00edjmem. Neexistuje \u017e\u00e1dn\u00e1 100% z\u00e1ruka schv\u00e1len\u00ed, ale pokud m\u00e1te \u0161patnou \u00fav\u011brovou historii, m\u011bli byste m\u00edt mnohem v\u011bt\u0161\u00ed \u0161anci z\u00edskat rychlou p\u016fj\u010dku na ruku ne\u017e klasickou bankovn\u00ed p\u016fj\u010dku.<\/li>\n<\/ol>\n<h2>Co si m\u00e1 klient p\u0159edstavit pod pojmem p\u016fj\u010dka na ruku?<\/h2>\n<p>Rychl\u00e9 p\u016fj\u010dky na ruku, n\u011bkdy tak\u00e9 naz\u00fdvan\u00e9 p\u016fj\u010dky pro probl\u00e9mov\u00e9 klienty, jsou p\u016fj\u010dky, u kter\u00fdch nemus\u00edte dokl\u00e1dat v\u00fd\u0161i va\u0161ich p\u0159\u00edjm\u016f a <strong>obvykle nejsou na p\u0159ek\u00e1\u017eku ani negativn\u00ed z\u00e1znamy v\u00a0registrech dlu\u017en\u00edk\u016f<\/strong>. Tyto \u00fav\u011bry nab\u00edzej\u00ed p\u0159edev\u0161\u00edm nebankovn\u00ed spole\u010dnosti a nejdostupn\u011bj\u0161\u00ed jsou rychl\u00e9 p\u016fj\u010dky v podob\u011b kr\u00e1tkodob\u00fdch \u00fav\u011br\u016f. V\u00fdjimkou v\u0161ak nejsou ani dlouhodob\u00e9 p\u016fj\u010dky bez dolo\u017een\u00ed p\u0159\u00edjm\u016f a registru, d\u00edky kter\u00fdm m\u016f\u017eete uhradit i pom\u011brn\u011b v\u00fdznamn\u00e9 n\u00e1kupy \u010di \u201einvestice\u201c.<\/p>\n<p>Okam\u017eit\u00e1 p\u016fj\u010dka pro dlu\u017en\u00edky na ruku v podob\u011b nebankovn\u00ed p\u016fj\u010dky je bez\u00fa\u010delov\u00e1 a lze ji tak <a href=\"\/\">pou\u017e\u00edt na cokoliv<\/a>. <strong>Doklad o p\u0159\u00edjmu se nevy\u017eaduje ani od rizikov\u00fdch klient\u016f a kdy\u017e u\u017e tak pouze v\u00fdjime\u010dn\u011b. \u00a0<\/strong>Tyto nebankovn\u00ed p\u016fj\u010dky jsou dostupn\u00e9 i pro nezam\u011bstnan\u00e9 nebo pro pracovn\u00edky na dohodu o proveden\u00ed pr\u00e1ce a lze je sjednat ihned. Nej\u010dast\u011bji jsou poskytov\u00e1ny online p\u0159es internet nebo jako SMS p\u016fj\u010dky na cokoliv a bez \u00fa\u010delu.<\/p>\n<p><a href=\"\/clanky\/pujcky-bez-registru-a-potvrzeni-prijmu\/\">Nejrychlej\u0161\u00ed p\u016fj\u010dka bez registru a dolo\u017een\u00ed p\u0159\u00edjmu<\/a> je online a lze ji sjednat ihned nebo t\u00e9m\u011b\u0159 ihned po odesl\u00e1n\u00ed \u017e\u00e1dosti o p\u016fj\u010dku. V\u011bt\u0161ina t\u011bchto p\u016fj\u010dek funguje prost\u0159ednictv\u00edm speci\u00e1ln\u011b zam\u011b\u0159en\u00fdch nebankovn\u00edch spole\u010dnost\u00ed na rychl\u00e9 a online p\u016fj\u010dky. <strong>Bez dolo\u017een\u00ed p\u0159\u00edjmu je mo\u017en\u00e9 si p\u016fj\u010dit zejm\u00e9na kr\u00e1tkodob\u011b na n\u011bkolik t\u00fddn\u016f a\u017e m\u011bs\u00edc\u016f<\/strong>. Je mo\u017en\u00e9 si p\u016fj\u010dit i prost\u0159ednictv\u00edm SMS a oba typy t\u011bchto \u00fav\u011br\u016f pat\u0159\u00ed mezi p\u016fj\u010dky dostupn\u00e9 i pro d\u016fchodce nebo \u017eeny na mate\u0159sk\u00e9 dovolen\u00e9.[\/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=\"1200\" height=\"800\" src=\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/05\/na-ruku-i-na-slozenku.jpg\" class=\"vcex-image-img wpex-align-middle\" alt=\"Z\u00edsk\u00e1n\u00ed v\u00fdhodn\u00e9 p\u016fj\u010dky\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/05\/na-ruku-i-na-slozenku.jpg 1200w, https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/05\/na-ruku-i-na-slozenku-300x200.jpg 300w, https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/05\/na-ruku-i-na-slozenku-1024x683.jpg 1024w, https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/05\/na-ruku-i-na-slozenku-768x512.jpg 768w, https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/05\/na-ruku-i-na-slozenku-20x13.jpg 20w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/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>Vy\u0161\u0161\u00ed \u00farokov\u00e9 sazby<\/strong>: V\u011b\u0159itel\u00e9 maj\u00ed tendenci uplat\u0148ovat vy\u0161\u0161\u00ed \u00farokov\u00e9 sazby, pokud m\u00e1te \u0161patnou \u00fav\u011brovou historii. D\u011blaj\u00ed to proto, aby kompenzovali riziko, kter\u00e9 podstupuj\u00ed. Proto byste m\u011bli v\u017edy p\u0159ed uzav\u0159en\u00edm smlouvy posoudit, zda si m\u016f\u017eete dovolit p\u016fj\u010dku spl\u00e1cet.<\/li>\n<li><strong>Pevn\u00e9 podm\u00ednky spl\u00e1cen\u00ed<\/strong>: Na rozd\u00edl od kreditn\u00edch karet je \u010d\u00e1stka, kterou ka\u017ed\u00fd m\u011bs\u00edc spl\u00e1c\u00edte za p\u016fj\u010dku, pevn\u011b dan\u00e1 a dohodnut\u00e1 s v\u011b\u0159itelem na za\u010d\u00e1tku smlouvy. Je d\u016fle\u017eit\u00e9, abyste si mohli dovolit spl\u00e1tky hradit po celou dobu trv\u00e1n\u00ed \u00fav\u011bru. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b mohou zme\u0161kan\u00e9 spl\u00e1tky negativn\u011b ovlivnit va\u0161i bonitu a dostat v\u00e1s do finan\u010dn\u00edch pot\u00ed\u017e\u00ed.<\/li>\n<\/ul>\n<h2>6 krok\u016f, jak z\u00edskat v\u00fdhodnou rychlou p\u016fj\u010dku na ruku<\/h2>\n<ol>\n<li><strong>Zkontrolujte si svou bonitu<\/strong>: Nen\u00ed nic hor\u0161\u00edho, kdy\u017e po\u017e\u00e1d\u00e1te o bankovn\u00ed \u00fav\u011br a jste odm\u00edtnuti. V\u011b\u0159itel\u00e9 maj\u00ed obvykle stanoven\u00fd minim\u00e1ln\u00ed po\u017eadavek na bonitu klienta a \u017eadatel s\u00a0hor\u0161\u00ed bonitou, ne\u017e je minim\u00e1ln\u00ed hodnota, m\u016f\u017ee b\u00fdt odm\u00edtnut. Do registr\u016f dlu\u017en\u00edk\u016f v\u0161ak nen\u00ed probl\u00e9m nahl\u00e9dnout a pokud hodl\u00e1te \u017e\u00e1dat o vy\u0161\u0161\u00ed \u00fav\u011br, vyplat\u00ed se registry dlu\u017en\u00edk\u016f zkontrolovat.\u00a0 Ve sv\u00fdch registrech dokonce m\u016f\u017eete naj\u00edt i chyby, kter\u00e9 po oprav\u011b zv\u00fd\u0161\u00ed va\u0161i bonitu.<\/li>\n<li><strong>Porovnejte si v\u011b\u0159itele<\/strong>. \u017d\u00e1dn\u00ed dva v\u011b\u0159itel\u00e9 nemaj\u00ed stejn\u00e9 po\u017eadavky na dlu\u017en\u00edky ani stejn\u00e9 rozp\u011bt\u00ed sazeb, proto se vyplat\u00ed porovnat v\u00edce mo\u017enost\u00ed. Nejlep\u0161\u00ed v\u011b\u0159itel\u00e9 nab\u00edzej\u00edc\u00ed okam\u017eitou p\u016fj\u010dku pro dlu\u017en\u00edky na ruku nab\u00edzej\u00ed sazbu, kterou si m\u016f\u017eete dovolit, a dal\u0161\u00ed u\u017eite\u010dn\u00e9 funkce, jako jsou rychl\u00e9 financov\u00e1n\u00ed nebo mobiln\u00ed aplikace pro spr\u00e1vu spl\u00e1tek p\u016fj\u010dky. V\u011b\u0159itel\u00e9 pou\u017e\u00edvaj\u00ed r\u016fzn\u00e1 krit\u00e9ria pro v\u00fdpo\u010det va\u0161\u00ed \u00farokov\u00e9 sazby. Z\u00edskejte nab\u00eddky od n\u011bkolika v\u011b\u0159itel\u016f a porovnejte \u00farokov\u00e9 sazby, poplatky za poskytnut\u00ed a sankce za p\u0159ed\u010dasn\u00e9 splacen\u00ed, abyste zjistili, kter\u00fd z nich v\u00e1m nab\u00eddne nejni\u017e\u0161\u00ed RPSN. Rovn\u011b\u017e se pod\u00edvejte na podm\u00ednky spl\u00e1cen\u00ed. Poskytovatel\u00e9 p\u016fj\u010dek pro probl\u00e9mov\u00e9 klienty mohou nab\u00edzet r\u016fzn\u00e9 podm\u00ednky spl\u00e1cen\u00ed. Krat\u0161\u00ed doba spl\u00e1cen\u00ed znamen\u00e1, \u017ee se d\u0159\u00edve zbav\u00edte dluh\u016f a celkov\u011b zaplat\u00edte m\u00e9n\u011b na \u00faroc\u00edch. Del\u0161\u00ed doba spl\u00e1cen\u00ed naopak sn\u00ed\u017e\u00ed va\u0161i spl\u00e1tku.<\/li>\n<li><strong>P\u0159edb\u011b\u017en\u00e1 \u017e\u00e1dost<\/strong>: Vypln\u011bn\u00ed \u017e\u00e1dosti v\u00e1m prozrad\u00ed, s jakou sazbou, v\u00fd\u0161\u00ed \u00fav\u011bru a podm\u00ednkami spl\u00e1cen\u00ed m\u016f\u017eete po\u010d\u00edtat. Je to obzvl\u00e1\u0161t\u011b u\u017eite\u010dn\u00e9, pokud se sna\u017e\u00edte zjistit, zda spl\u0148ujete podm\u00ednky pro z\u00edsk\u00e1n\u00ed p\u016fj\u010dky, a chcete porovnat nab\u00eddky \u00fav\u011br\u016f. Tuto funkci nab\u00edz\u00ed v\u011bt\u0161ina srovn\u00e1va\u010d\u016f online p\u016fj\u010dek.<\/li>\n<li><strong>V\u00fdpo\u010det spl\u00e1tek p\u016fj\u010dek<\/strong>: Ne\u017e si p\u016fj\u010d\u00edte, seznamte se s v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky a celkov\u00fdch \u00farokov\u00fdch n\u00e1klad\u016f p\u016fj\u010dky. Nespl\u00e1cen\u00ed by op\u011bt mohlo po\u0161kodit va\u0161i bonitu, a je\u0161t\u011b v\u00edce v\u00e1m p\u0159it\u00ed\u017eit. A znalost toho, kolik zaplat\u00edte na celkov\u00fdch \u00faroc\u00edch, v\u00e1m pom\u016f\u017ee rozhodnout se, zda se v\u00e1m p\u016fj\u010dka vyplat\u00ed.<\/li>\n<li><strong>Zva\u017ete ru\u010ditele<\/strong>: Ru\u010ditel u p\u016fj\u010dky v\u00e1m m\u016f\u017ee pomoci p\u016fj\u010dku z\u00edskat nebo z\u00edskat ni\u017e\u0161\u00ed \u00farokovou sazbu. V\u00a0p\u0159\u00edpad\u011b \u017e\u00e1dosti s ru\u010ditelem se k \u017e\u00e1dosti p\u0159idaj\u00ed informace o bonit\u011b a p\u0159\u00edjmu dal\u0161\u00ed osoby, kter\u00e1 se zav\u00e1\u017ee, \u017ee p\u016fj\u010dku splat\u00ed, pokud ji dlu\u017en\u00edk nebude moci spl\u00e1cet.<\/li>\n<li><strong>Podejte si \u017e\u00e1dost<\/strong>: Pro urychlen\u00ed procesu je u\u017eite\u010dn\u00e9 shrom\u00e1\u017edit si p\u0159edem dokumenty, kter\u00e9 pot\u0159ebujete k \u017e\u00e1dosti o p\u016fj\u010dku. U tohoto typu p\u016fj\u010dek v\u00e1m v\u0161ak pravd\u011bpodobn\u011b posta\u010d\u00ed pr\u016fkaz toto\u017enosti, \u010d\u00edslo mobiln\u00edho telefonu a emailov\u00e1 adresa. V\u011bt\u0161ina v\u011b\u0159itel\u016f nab\u00edzej\u00edc\u00edch rychlou p\u016fj\u010dku na ruku v\u00e1m ozn\u00e1m\u00ed rozhodnut\u00ed b\u011bhem p\u00e1r minut.<\/li>\n<\/ol>\n<p><strong>TIP:<\/strong> <em>Pokud hled\u00e1te jinou variantu, zkuste <a href=\"\/clanky\/rychla-pujcka-ihned-na-ucet\/\">p\u016fj\u010dku ihned na \u00fa\u010det<\/a> je\u0161t\u011b dnes.<\/em><\/p>\n<h2>Co v\u00e1s nej\u010dast\u011bji zaj\u00edm\u00e1?<\/h2>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Jak pozn\u00e1m \u017ee m\u00e1m n\u00edzkou bonitu?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pokud jste v minulosti nespl\u00e1celi p\u016fj\u010dku nebo pokud jste neplatili n\u00e1jem, \u00fa\u010dty za energie nebo dopravn\u00ed pokuty, je pravd\u011bpodobn\u00e9, \u017ee m\u00e1te \u0161patnou bonitu. Tot\u00e9\u017e plat\u00ed, pokud m\u00e1te n\u00edzk\u00fd p\u0159\u00edjem. Na internetu lze nal\u00e9zt mnoho str\u00e1nek, kter\u00e9 v\u00e1m dovol\u00ed nahl\u00e9dnout do vlastn\u00edch registr\u016f dlu\u017en\u00edk\u016f a poskytnou v\u00e1m dobrou p\u0159edstavu o aktu\u00e1ln\u00edm stavu \u00fav\u011brov\u00fdch registr\u016f, va\u0161\u00ed bonit\u011b a o va\u0161\u00ed schopnosti z\u00edskat p\u016fj\u010dku.\"}},{\"@type\":\"Question\",\"name\":\"Jakou \u010d\u00e1stku mohu prost\u0159ednictv\u00edm okam\u017eit\u00e9 p\u016fj\u010dky pro dlu\u017en\u00edky na ruku z\u00edskat?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Dostupn\u00e1 v\u00fd\u0161e \u00fav\u011bru se obvykle odv\u00edj\u00ed od va\u0161\u00ed bonity \u2013 \u010d\u00edm je vy\u0161\u0161\u00ed bonita, t\u00edm vy\u0161\u0161\u00ed \u010d\u00e1stku si m\u016f\u017eete p\u016fj\u010dit. Lid\u00e9, kte\u0159\u00ed nemohou nebo necht\u011bj\u00ed prok\u00e1zat sv\u00e9 p\u0159\u00edjmy, p\u0159\u00edpadn\u011b lid\u00e9 s negativn\u00edmi z\u00e1znamy v registrech dlu\u017en\u00edk\u016f samoz\u0159ejm\u011b nemohou o\u010dek\u00e1vat, \u017ee z\u00edskaj\u00ed p\u016fj\u010dku ve stejn\u00e9 v\u00fd\u0161i jako v bance.\"}},{\"@type\":\"Question\",\"name\":\"Je skute\u010dn\u011b mo\u017en\u00e9 z\u00edskat i p\u016fj\u010dku bez nahl\u00ed\u017een\u00ed do registru dlu\u017en\u00edk\u016f?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A\u010dkoliv hovo\u0159\u00edme o p\u016fj\u010dce na ruku, kter\u00e1 je obvykle p\u016fj\u010dkou bez registru a dolo\u017een\u00ed p\u0159\u00edjm\u016f, neznamen\u00e1 to, \u017ee by v\u011b\u0159itel do registr\u016f dlu\u017en\u00edk\u016f nenahl\u00ed\u017eel \u2013 ze z\u00e1kona prost\u011b mus\u00ed. Tito nebankovn\u00ed v\u011b\u0159itel\u00e9 v\u0161ak nepova\u017euj\u00ed drobn\u00e9 proh\u0159e\u0161ky v \u00fav\u011brov\u00e9 historii za probl\u00e9m a obvykle posuzuj\u00ed bonitu klienta alternativn\u00edm zp\u016fsobem.\"}},{\"@type\":\"Question\",\"name\":\"Jsou p\u016fj\u010dky pro probl\u00e9mov\u00e9 klienty v\u00fdhodn\u00e9?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Tento typ p\u016fj\u010dek charakterizuj\u00ed pochopiteln\u011b m\u00e9n\u011b v\u00fdhodn\u00e9 \u00fav\u011brov\u00e9 podm\u00ednky ne\u017e bankovn\u00ed p\u016fj\u010dky. Na druh\u00e9 stran\u011b jsou dostupn\u00e9 mnohem \u0161ir\u0161\u00ed \u0161k\u00e1le klient\u016f. V\u00fdhodn\u011bj\u0161\u00ed \u00farokovou sazbu m\u016f\u017eete z\u00edskat, pokud o p\u016fj\u010dku budete \u017e\u00e1dat s ru\u010ditelem, nebo zvol\u00edte zaji\u0161t\u011bnou p\u016fj\u010dku. V takov\u00e9m p\u0159\u00edpad\u011b v\u0161ak podstupujete riziko, \u017ee dostanete ru\u010ditele do probl\u00e9m\u016f, p\u0159\u00edpadn\u011b p\u0159ijdete o z\u00e1stavu, pokud nebudete p\u016fj\u010dku spl\u00e1cet.\"}},{\"@type\":\"Question\",\"name\":\"Jak\u00e9 nab\u00edzej\u00ed rychl\u00e9 p\u016fj\u010dky na ruku \u00fav\u011brov\u00e9 r\u00e1mce a splatnost?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Z\u00e1le\u017e\u00ed, zda \u017e\u00e1d\u00e1te o dlouhodobou nebo kr\u00e1tkodobou p\u016fj\u010dku od \u010deho\u017e se odv\u00edj\u00ed i v\u00fd\u0161e \u00fav\u011bru. Kr\u00e1tkodob\u00e1 p\u016fj\u010dka m\u00e1 obvykle splatnost do jednoho m\u011bs\u00edce, dlouhodob\u00e1 do jednoho roku. Podobn\u011b plat\u00ed, \u017ee dlouhodobou p\u016fj\u010dku obvykle charakterizuje vy\u0161\u0161\u00ed \u00fav\u011brov\u00fd r\u00e1mec a naopak.\"}},{\"@type\":\"Question\",\"name\":\"Za jak dlouho budu m\u00edt pen\u00edze na \u00fa\u010dtu?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"D\u00edky mo\u017enosti \u017e\u00e1dat o p\u016fj\u010dku na ruku bez dolo\u017een\u00ed p\u0159\u00edjm\u016f a registru online, prob\u00edh\u00e1 proces schv\u00e1len\u00ed velmi rychle a pen\u00edze m\u016f\u017eete m\u00edt na \u00fa\u010dtu doslova za p\u00e1r minut od pod\u00e1n\u00ed \u017e\u00e1dosti.\"}}]}<\/script><!--FAQPage Code Generated by https:\/\/saijogeorge.com\/json-ld-schema-generator\/faq\/--><\/p>\n<p><strong>Jak pozn\u00e1m \u017ee m\u00e1m n\u00edzkou bonitu? <\/strong><\/p>\n<p>Pokud jste v minulosti nespl\u00e1celi p\u016fj\u010dku nebo pokud jste neplatili n\u00e1jem, \u00fa\u010dty za energie nebo dopravn\u00ed pokuty, je pravd\u011bpodobn\u00e9, \u017ee m\u00e1te \u0161patnou bonitu. Tot\u00e9\u017e plat\u00ed, pokud m\u00e1te n\u00edzk\u00fd p\u0159\u00edjem. Na internetu lze nal\u00e9zt mnoho str\u00e1nek, kter\u00e9 v\u00e1m dovol\u00ed nahl\u00e9dnout do vlastn\u00edch registr\u016f dlu\u017en\u00edk\u016f a poskytnou v\u00e1m dobrou p\u0159edstavu o aktu\u00e1ln\u00edm stavu \u00fav\u011brov\u00fdch registr\u016f, va\u0161\u00ed bonit\u011b a o va\u0161\u00ed schopnosti z\u00edskat p\u016fj\u010dku.<\/p>\n<p><strong>Jakou \u010d\u00e1stku mohu prost\u0159ednictv\u00edm okam\u017eit\u00e9 dlouhodob\u00e9 p\u016fj\u010dky pro dlu\u017en\u00edky z\u00edskat? <\/strong><\/p>\n<p>Dostupn\u00e1 v\u00fd\u0161e \u00fav\u011bru se obvykle odv\u00edj\u00ed od va\u0161\u00ed bonity \u2013 \u010d\u00edm je vy\u0161\u0161\u00ed bonita, t\u00edm vy\u0161\u0161\u00ed \u010d\u00e1stku si m\u016f\u017eete p\u016fj\u010dit. Lid\u00e9, kte\u0159\u00ed nemohou nebo necht\u011bj\u00ed prok\u00e1zat sv\u00e9 p\u0159\u00edjmy, p\u0159\u00edpadn\u011b lid\u00e9 s\u00a0negativn\u00edmi z\u00e1znamy v\u00a0registrech dlu\u017en\u00edk\u016f samoz\u0159ejm\u011b nemohou o\u010dek\u00e1vat, \u017ee z\u00edskaj\u00ed p\u016fj\u010dku ve stejn\u00e9 v\u00fd\u0161i jako v\u00a0bance.<\/p>\n<p><strong>Je skute\u010dn\u011b mo\u017en\u00e9 z\u00edskat i p\u016fj\u010dku bez nahl\u00ed\u017een\u00ed do registru dlu\u017en\u00edk\u016f? <\/strong><\/p>\n<p>A\u010dkoliv hovo\u0159\u00edme o p\u016fj\u010dce na ruku, kter\u00e1 je obvykle p\u016fj\u010dkou bez registru a dolo\u017een\u00ed p\u0159\u00edjm\u016f, neznamen\u00e1 to, \u017ee by v\u011b\u0159itel do registr\u016f dlu\u017en\u00edk\u016f nenahl\u00ed\u017eel \u2013 ze z\u00e1kona prost\u011b mus\u00ed. Tito nebankovn\u00ed v\u011b\u0159itel\u00e9 v\u0161ak nepova\u017euj\u00ed drobn\u00e9 proh\u0159e\u0161ky v\u00a0\u00fav\u011brov\u00e9 historii za probl\u00e9m a obvykle posuzuj\u00ed bonitu klienta alternativn\u00edm zp\u016fsobem.<\/p>\n<p><strong>Jsou p\u016fj\u010dky pro probl\u00e9mov\u00e9 klienty v\u00fdhodn\u00e9? <\/strong><\/p>\n<p>Tento typ p\u016fj\u010dek charakterizuj\u00ed pochopiteln\u011b m\u00e9n\u011b v\u00fdhodn\u00e9 \u00fav\u011brov\u00e9 podm\u00ednky ne\u017e bankovn\u00ed p\u016fj\u010dky. Na druh\u00e9 stran\u011b jsou dostupn\u00e9 mnohem \u0161ir\u0161\u00ed \u0161k\u00e1le klient\u016f. V\u00fdhodn\u011bj\u0161\u00ed \u00farokovou sazbu m\u016f\u017eete z\u00edskat, pokud o p\u016fj\u010dku budete \u017e\u00e1dat s\u00a0ru\u010ditelem, nebo zvol\u00edte zaji\u0161t\u011bnou p\u016fj\u010dku. V\u00a0takov\u00e9m p\u0159\u00edpad\u011b v\u0161ak podstupujete riziko, \u017ee dostanete ru\u010ditele do probl\u00e9m\u016f, p\u0159\u00edpadn\u011b p\u0159ijdete o z\u00e1stavu, pokud nebudete p\u016fj\u010dku spl\u00e1cet.<\/p>\n<p><strong>Jak\u00e9 nab\u00edzej\u00ed rychl\u00e9 p\u016fj\u010dky na ruku \u00fav\u011brov\u00e9 r\u00e1mce a splatnost? <\/strong><\/p>\n<p>Z\u00e1le\u017e\u00ed, zda \u017e\u00e1d\u00e1te o dlouhodobou nebo kr\u00e1tkodobou p\u016fj\u010dku od \u010deho\u017e se odv\u00edj\u00ed i v\u00fd\u0161e \u00fav\u011bru. Kr\u00e1tkodob\u00e1 p\u016fj\u010dka m\u00e1 obvykle splatnost do jednoho m\u011bs\u00edce, dlouhodob\u00e1 do jednoho roku. Podobn\u011b plat\u00ed, \u017ee dlouhodobou p\u016fj\u010dku obvykle charakterizuje vy\u0161\u0161\u00ed \u00fav\u011brov\u00fd r\u00e1mec a naopak.<\/p>\n<p><strong>Za jak dlouho budu m\u00edt pen\u00edze na \u00fa\u010dtu? <\/strong><\/p>\n<p>D\u00edky mo\u017enosti \u017e\u00e1dat o p\u016fj\u010dku na ruku bez dolo\u017een\u00ed p\u0159\u00edjm\u016f a registru online, prob\u00edh\u00e1 proces schv\u00e1len\u00ed velmi rychle a pen\u00edze m\u016f\u017eete m\u00edt na \u00fa\u010dtu doslova za p\u00e1r minut od pod\u00e1n\u00ed \u017e\u00e1dosti.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<style>.vcex-button.vcex_6a3c03c8bf69d{border-radius:50px;background:#86ad00;color:#ffffff!important;padding-block:18px;padding-inline:40px;font-size:20px;font-weight:400;}.vcex-button.vcex_6a3c03c8bf69d: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_6a3c03c8bf69d\"><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]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]Ti \u0161\u0165astn\u011bj\u0161\u00ed z\u00a0n\u00e1s nemaj\u00ed probl\u00e9m z\u00edskat bankovn\u00ed \u00fav\u011br s\u00a0velmi v\u00fdhodn\u00fdmi podm\u00ednkami. Tyto \u017eadatele obvykle charakterizuje skv\u011bl\u00e1 bonita \u2013 vysok\u00e9 p\u0159\u00edjmy, n\u00edzk\u00e9 zadlu\u017een\u00ed, a nav\u00edc perfektn\u00ed \u00fav\u011brov\u00e9 registry. Existuje v\u0161ak \u0161irok\u00e1 skupina \u017eadatel\u016f o p\u016fj\u010dky, kte\u0159\u00ed se svou \u017e\u00e1dost\u00ed o \u00fav\u011br v\u00a0bance neusp\u011bj\u00ed a mus\u00ed se posl\u00e9ze porozhl\u00e9dnout n\u011bkde jinde. Jak\u00e9 maj\u00ed mo\u017enosti? Z\u00e1le\u017e\u00ed na situaci&hellip;<\/p>\n","protected":false},"author":1,"featured_media":87,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"post_series":[],"class_list":["post-82","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>Okam\u017eit\u00e1 p\u016fj\u010dka pro dlu\u017en\u00edky na ruku - COOL Money<\/title>\n<meta name=\"description\" content=\"M\u00e1te probl\u00e9my s registry nebo n\u00edzk\u00fd p\u0159\u00edjem a chcete z\u00edskat dlouhodobou p\u016fj\u010dku? Pr\u00e1v\u011b pro v\u00e1s tu je okam\u017eit\u00e1 p\u016fj\u010dka pro dlu\u017en\u00edky na ruku.\" \/>\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-dluzniky-na-ruku\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Okam\u017eit\u00e1 p\u016fj\u010dka pro dlu\u017en\u00edky na ruku - COOL Money\" \/>\n<meta property=\"og:description\" content=\"M\u00e1te probl\u00e9my s registry nebo n\u00edzk\u00fd p\u0159\u00edjem a chcete z\u00edskat dlouhodobou p\u016fj\u010dku? 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