{"id":91,"date":"2022-05-12T12:55:57","date_gmt":"2022-05-12T10:55:57","guid":{"rendered":"https:\/\/www.coolmoney.cz\/clanky\/?p=91"},"modified":"2022-05-12T12:55:57","modified_gmt":"2022-05-12T10:55:57","slug":"dlouhodoba-pujcka-bez-registru","status":"publish","type":"post","link":"https:\/\/www.coolmoney.cz\/clanky\/dlouhodoba-pujcka-bez-registru\/","title":{"rendered":"Dlouhodob\u00e1 p\u016fj\u010dka bez registru: Co byste o n\u00ed m\u011bli v\u011bd\u011bt?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row][vc_column][vc_column_text]Vzhledem k tomu, \u017ee je k dispozici tolik r\u016fzn\u00fdch druh\u016f p\u016fj\u010dek, m\u016f\u017ee b\u00fdt obt\u00ed\u017en\u00e9 zjistit, kter\u00e1 z nich by pro v\u00e1s mohla b\u00fdt ta prav\u00e1. <strong>Dlouhodob\u00e1 bankovn\u00ed nebo nebankovn\u00ed p\u016fj\u010dka bez registru je jednou z mo\u017enost\u00ed, kterou m\u016f\u017eete zv\u00e1\u017eit<\/strong>, pokud chcete platit men\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku za \u010d\u00e1stku, kterou si chcete p\u016fj\u010dit.<\/p>\n<p>Za tyto ni\u017e\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky je v\u0161ak t\u0159eba n\u011bco vym\u011bnit: Dlouhodob\u00e9 p\u016fj\u010dky se ve fin\u00e1le mohou prodra\u017eit, p\u0159esto\u017ee je \u010dasto charakterizuje pom\u011brn\u011b n\u00edzk\u00e9 RPSN. Pro\u010d? Proto\u017ee obecn\u011b plat\u00ed, \u017ee \u010d\u00edm del\u0161\u00ed je doba splatnosti p\u016fj\u010dky, <strong>t\u00edm v\u00edce nakonec p\u0159eplat\u00edte na \u00faroc\u00edch b\u011bhem (del\u0161\u00ed) doby spl\u00e1cen\u00ed \u00fav\u011bru<\/strong>. Zde je v\u00edce informac\u00ed, kter\u00e9 byste m\u011bli v\u011bd\u011bt.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<style>.vcex-button.vcex_69f2e66bc865f{border-radius:50px;background:#86ad00;color:#ffffff!important;padding-block:18px;padding-inline:40px;font-size:20px;font-weight:400;}.vcex-button.vcex_69f2e66bc865f: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_69f2e66bc865f\"><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>Hlavn\u00ed v\u00fdhody dlouhodob\u00e9 p\u016fj\u010dky<\/h2>\n<ol>\n<li><strong>Jednoduch\u00fd proces pod\u00e1n\u00ed \u017e\u00e1dosti o p\u016fj\u010dku<\/strong> \u2013 dnes je mo\u017en\u00e9 \u017e\u00e1dat o \u00fav\u011br i pohodln\u011b p\u0159es internet<\/li>\n<li><strong>Vysok\u00fd \u00fav\u011brov\u00fd r\u00e1mec<\/strong> \u2013 jednor\u00e1zov\u011b a b\u011bhem pom\u011brn\u011b kr\u00e1tk\u00e9 doby si m\u016f\u017eete p\u0159ij\u00edt na velmi zaj\u00edmavou \u010d\u00e1stku<\/li>\n<li><strong>Dlouh\u00e1 doba splatnosti<\/strong> \u2013 v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek m\u016f\u017ee b\u00fdt d\u00edky dlouh\u00e9 dob\u011b splatnosti pom\u011brn\u011b n\u00edzk\u00e1<\/li>\n<li><strong>Ni\u017e\u0161\u00ed \u00farokov\u00e9 sazby<\/strong> \u2013 dlouhodob\u00e9 bankovn\u00ed a nebankovn\u00ed p\u016fj\u010dky charakterizuj\u00ed obecn\u011b ni\u017e\u0161\u00ed \u00farokov\u00e9 sazby ne\u017e ty kr\u00e1tkodob\u00e9<\/li>\n<li><strong>Flexibilita spl\u00e1tek<\/strong> \u2013 rozhodnete-li se \u00fav\u011br splatit p\u0159ed\u010dasn\u011b, obvykle m\u00e1te tuto mo\u017enost zcela zdarma<\/li>\n<\/ol>\n<h2>Co m\u00e1me na mysli pod pojmem &#8222;dlouhodob\u00e1&#8220; p\u016fj\u010dka?<\/h2>\n<p>Neexistuje \u017e\u00e1dn\u00e9 ofici\u00e1ln\u00ed pravidlo, kter\u00e9 by ur\u010dovalo, co je &#8222;dlouhodob\u00e1 p\u016fj\u010dka&#8220;, ale obecn\u011b se za dlouhodob\u00e9 pova\u017euj\u00ed p\u016fj\u010dky s dobou splatnosti 60 a\u017e 84 m\u011bs\u00edc\u016f (p\u011bt a\u017e sedm let). <strong>N\u011bkte\u0159\u00ed v\u011b\u0159itel\u00e9 v\u0161ak nab\u00edzej\u00ed dobu splatnosti a\u017e 12 let<\/strong>. Dlouhodob\u00e1 p\u016fj\u010dka bez registru poskytuje dlu\u017en\u00edk\u016fm jednor\u00e1zovou vy\u0161\u0161\u00ed \u010d\u00e1stku za konkr\u00e9tn\u00ed \u00fav\u011brov\u00e9 podm\u00ednky. V\u00fdm\u011bnou za konkr\u00e9tn\u00ed \u010d\u00e1stku dlu\u017en\u00edk souhlas\u00ed s ur\u010dit\u00fdm spl\u00e1tkov\u00fdm kalend\u00e1\u0159em s pevnou nebo pohyblivou \u00farokovou sazbou \u2013 <strong>na to si dejte pozor zejm\u00e9na v\u00a0dob\u011b, kdy v\u00fdrazn\u011b roste z\u00e1kladn\u00ed \u00farokov\u00e1 sazba \u010cNB<\/strong> \u2013 v\u00a0takov\u00e9 p\u0159\u00edpad\u011b se v\u00e1m m\u016f\u017ee \u00fav\u011br nakonec v\u00edce prodra\u017eit.<\/p>\n<p><strong>V\u011bt\u0161ina dlouhodob\u00fdch p\u016fj\u010dek m\u00e1 ni\u017e\u0161\u00ed \u00farokov\u00e9 sazby ne\u017e kr\u00e1tkodob\u00e9 p\u016fj\u010dky<\/strong>. To je jedem z\u00a0nejv\u011bt\u0161\u00edch rozd\u00edl\u016f mezi dlouhodob\u00fdmi a kr\u00e1tkodob\u00fdmi p\u016fj\u010dkami. Na druhou stranu u p\u016fj\u010dky s\u00a0kr\u00e1tkou dobou splatnosti obvykle i p\u0159es vy\u0161\u0161\u00ed RPSN p\u0159eplat\u00edte na \u00faroc\u00edch ni\u017e\u0161\u00ed \u010d\u00e1stku. <strong>Hlavn\u00ed v\u00fdhodou dlouhodob\u00e9 p\u016fj\u010dky je v\u0161ak ni\u017e\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka<\/strong>, d\u00edky kter\u00e9 si ji mohou dlu\u017en\u00edci sn\u00e1ze dovolit \u2013 i kdy\u017e t\u0159eba dostanou m\u00e9n\u011b v\u00fdhodn\u00e9 RPSN jako v\u00a0p\u0159\u00edpad\u011b nebankovn\u00ed dlouhodob\u00e9 p\u016fj\u010dky.<\/p>\n<p>\u0158ekn\u011bme nap\u0159\u00edklad, \u017ee \u017e\u00e1d\u00e1te o dlouhodobou p\u016fj\u010dku ve v\u00fd\u0161i 200\u00a0000 korun a obdr\u017e\u00edte dv\u011b nab\u00eddky: Prvn\u00ed od banky, kter\u00e1 m\u00e1 \u010dty\u0159letou splatnost s 5% RPSN a m\u011bs\u00ed\u010dn\u00ed spl\u00e1tkou 4\u00a0610 korun. Druh\u00e1 <a href=\"\/\">nebankovn\u00ed p\u016fj\u010dka<\/a> m\u00e1 osmiletou splatnost, 10% RPSN a m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku 3\u00a0030 korun. <strong>Tato ni\u017e\u0161\u00ed spl\u00e1tka l\u00e9pe vyhovuje va\u0161emu rozpo\u010dtu, a tak si vyberete dlouhodobou nebankovn\u00ed p\u016fj\u010dku<\/strong>. Samoz\u0159ejm\u011b m\u011bjte na pam\u011bti, \u017ee a\u010dkoli byste m\u011bli ni\u017e\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku, zaplat\u00edte v\u00edce na \u00faroc\u00edch po celou dobu trv\u00e1n\u00ed \u00fav\u011bru.[\/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\/stastni-lide-v-pohodli-domova.jpg\" class=\"vcex-image-img wpex-align-middle\" alt=\"\u0160\u0165astn\u00ed lid\u00e9 v pohodl\u00ed domova\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/05\/stastni-lide-v-pohodli-domova.jpg 1200w, https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/05\/stastni-lide-v-pohodli-domova-300x200.jpg 300w, https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/05\/stastni-lide-v-pohodli-domova-1024x683.jpg 1024w, https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/05\/stastni-lide-v-pohodli-domova-768x512.jpg 768w, https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/05\/stastni-lide-v-pohodli-domova-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>Kdy uva\u017eovat o dlouhodob\u00e9 p\u016fj\u010dce?<\/h2>\n<p>Zamyslete se nad v\u00fd\u0161\u00ed \u010d\u00e1stky, kterou si pot\u0159ebujete p\u016fj\u010dit, a nad sv\u00fdm m\u011bs\u00ed\u010dn\u00edm rozpo\u010dtem. O dlouhodob\u00e9 osobn\u00ed p\u016fj\u010dce m\u016f\u017eete uva\u017eovat, pokud:<\/p>\n<ul>\n<li><strong>Pot\u0159ebujete si p\u016fj\u010dit velkou \u010d\u00e1stku<\/strong>: Pokud v\u00e1s \u010dekaj\u00ed opravy domu, n\u00e1kup vozu nebo jin\u00e9 velk\u00e9 v\u00fddaje, je mo\u017en\u00e9, \u017ee na kreditn\u00ed kart\u011b nebo kontokorentu nem\u00e1te k dispozici dostate\u010dn\u00fd limit na pokryt\u00ed n\u00e1klad\u016f a kr\u00e1tkodob\u00e1 p\u016fj\u010dka v\u00e1m v\u00a0takov\u00e9m p\u0159\u00edpad\u011b nepom\u016f\u017ee. Nebo mo\u017en\u00e1 m\u00e1te dostate\u010dn\u00fd \u00fav\u011brov\u00fd limit, ale nebudete schopni splatit z\u016fstatek dostate\u010dn\u011b rychle, abyste se vyhnuli super vysok\u00fdm \u00farok\u016fm. S dlouhodobou bankovn\u00ed \u010di nebankovn\u00ed p\u016fj\u010dkou si m\u016f\u017eete p\u016fj\u010dit a\u017e 1\u00a0000\u00a0000 korun nebo v\u00edce a spl\u00e1cet ji po dobu p\u011bti a\u017e sedmi let nebo i d\u00e9le, v z\u00e1vislosti na va\u0161\u00ed bonit\u011b a po\u017eadavc\u00edch v\u011b\u0159itele.<\/li>\n<li><strong>Chcete ni\u017e\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku<\/strong>: P\u0159i del\u0161\u00ed dob\u011b spl\u00e1cen\u00ed p\u016fj\u010dky jsou va\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky obvykle ni\u017e\u0161\u00ed, ne\u017e kdybyste si stejnou \u010d\u00e1stku p\u016fj\u010dili na krat\u0161\u00ed dobu. Ale op\u011bt m\u011bjte na pam\u011bti, \u017ee u dlouhodob\u00e9 p\u016fj\u010dky budete pravd\u011bpodobn\u011b platit celkov\u011b vy\u0161\u0161\u00ed \u010d\u00e1stku, proto\u017ee budete platit \u00faroky po celou del\u0161\u00ed dobu trv\u00e1n\u00ed p\u016fj\u010dky.<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]\n<h2>Kdy uva\u017eovat o dlouhodob\u00e9 p\u016fj\u010dce?<\/h2>\n<p>Zamyslete se nad v\u00fd\u0161\u00ed \u010d\u00e1stky, kterou si pot\u0159ebujete p\u016fj\u010dit, a nad sv\u00fdm m\u011bs\u00ed\u010dn\u00edm rozpo\u010dtem. O dlouhodob\u00e9 osobn\u00ed p\u016fj\u010dce m\u016f\u017eete uva\u017eovat, pokud:<\/p>\n<ul>\n<li><strong>Pot\u0159ebujete si p\u016fj\u010dit velkou \u010d\u00e1stku<\/strong>: Pokud v\u00e1s \u010dekaj\u00ed opravy domu, n\u00e1kup vozu nebo jin\u00e9 velk\u00e9 v\u00fddaje, je mo\u017en\u00e9, \u017ee na kreditn\u00ed kart\u011b nebo kontokorentu nem\u00e1te k dispozici dostate\u010dn\u00fd limit na pokryt\u00ed n\u00e1klad\u016f a kr\u00e1tkodob\u00e1 p\u016fj\u010dka v\u00e1m v\u00a0takov\u00e9m p\u0159\u00edpad\u011b nepom\u016f\u017ee. Nebo mo\u017en\u00e1 m\u00e1te dostate\u010dn\u00fd \u00fav\u011brov\u00fd limit, ale nebudete schopni splatit z\u016fstatek dostate\u010dn\u011b rychle, abyste se vyhnuli super vysok\u00fdm \u00farok\u016fm. S dlouhodobou bankovn\u00ed \u010di nebankovn\u00ed p\u016fj\u010dkou si m\u016f\u017eete p\u016fj\u010dit a\u017e 1\u00a0000\u00a0000 korun nebo v\u00edce a spl\u00e1cet ji po dobu p\u011bti a\u017e sedmi let nebo i d\u00e9le, v z\u00e1vislosti na va\u0161\u00ed bonit\u011b a po\u017eadavc\u00edch v\u011b\u0159itele.<\/li>\n<li><strong>Chcete ni\u017e\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku<\/strong>: P\u0159i del\u0161\u00ed dob\u011b spl\u00e1cen\u00ed p\u016fj\u010dky jsou va\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky obvykle ni\u017e\u0161\u00ed, ne\u017e kdybyste si stejnou \u010d\u00e1stku p\u016fj\u010dili na krat\u0161\u00ed dobu. Ale op\u011bt m\u011bjte na pam\u011bti, \u017ee u dlouhodob\u00e9 p\u016fj\u010dky budete pravd\u011bpodobn\u011b platit celkov\u011b vy\u0161\u0161\u00ed \u010d\u00e1stku, proto\u017ee budete platit \u00faroky po celou del\u0161\u00ed dobu trv\u00e1n\u00ed p\u016fj\u010dky.<\/li>\n<\/ul>\n<div class=\"wpex-alert wpex-alert-info\">\n<p><strong>N\u00e1\u0161 TIP<\/strong>: Pokud jde o p\u016fj\u010dky, \u00farokov\u00e1 sazba \u2013 ve form\u011b procenta \u2013 je n\u00e1klad, kter\u00fd dlu\u017en\u00edk plat\u00ed za samotn\u00e9 pen\u00edze. Zat\u00edmco RPSN u p\u016fj\u010dky kombinuje tuto \u00farokovou sazbu s poplatky nebo jin\u00fdmi p\u0159idan\u00fdmi n\u00e1klady, abyste m\u011bli jasn\u011bj\u0161\u00ed p\u0159edstavu o tom, kolik za p\u016fj\u010dku zaplat\u00edte v pr\u016fb\u011bhu roku. P\u0159i v\u00fdb\u011bru p\u016fj\u010dky si nezapome\u0148te zkontrolovat jak \u00farokovou sazbu, tak RPSN, abyste z\u00edskali lep\u0161\u00ed p\u0159edstavu o tom, kolik za p\u016fj\u010dku zaplat\u00edte.<\/p>\n<\/div>\n<h2>Jak postupovat hodl\u00e1te-li \u017e\u00e1dat o dlouhodobou p\u016fj\u010dku?<\/h2>\n<p>Pokud jste se rozhodli po\u017e\u00e1dat o dlouhodobou p\u016fj\u010dku, je proces vy\u0159\u00edzen\u00ed \u017e\u00e1dosti pom\u011brn\u011b rychl\u00fd:<\/p>\n<ol>\n<li><strong>Vyu\u017eijte srovn\u00e1n\u00ed dlouhodob\u00fdch p\u016fj\u010dek<\/strong>: Srovn\u00e1va\u010de p\u016fj\u010dek jsou velmi obl\u00edben\u00e9 a je jasn\u00e9 pro\u010d. Tento proces m\u016f\u017ee b\u00fdt obzvl\u00e1\u0161t\u011b u\u017eite\u010dn\u00fd, pokud \u017e\u00e1d\u00e1te o p\u016fj\u010dku s\u00a0hor\u0161\u00ed bonitou a chcete zjistit, jak\u00e9 by mohly b\u00fdt va\u0161e mo\u017enosti.<\/li>\n<li><strong>Porovnejte va\u0161e mo\u017enosti<\/strong>: Vyu\u017eijete-li srovn\u00e1va\u010de, obvykle si budete moci prohl\u00e9dnout nab\u00eddky p\u016fj\u010dek od v\u00edce v\u011b\u0159itel\u016f. A pokud se pro jednu z t\u011bchto nab\u00eddek rozhodnete, m\u016f\u017eete o ni form\u00e1ln\u011b po\u017e\u00e1dat. Nezapome\u0148te, \u017ee srovn\u00e1n\u00ed p\u016fj\u010dek nen\u00ed z\u00e1rukou schv\u00e1len\u00ed a podm\u00ednky, kter\u00e9 v\u00e1m budou nab\u00eddnuty v p\u0159\u00edpad\u011b schv\u00e1len\u00ed po pod\u00e1n\u00ed form\u00e1ln\u00ed \u017e\u00e1dosti, se mohou m\u00edrn\u011b li\u0161it od p\u016fvodn\u00edch podm\u00ednek, zejm\u00e9na pokud jste do srovn\u00e1n\u00ed nezodpov\u011bd\u011bli v\u0161echny ot\u00e1zky zcela p\u0159esn\u011b.<\/li>\n<li><strong>Co d\u011blat, kdy\u017e zjist\u00edte, \u017ee na dlouhodobou p\u016fj\u010dku nem\u00e1te n\u00e1rok<\/strong>: Pokud se v\u00e1m nepoda\u0159\u00ed z\u00edskat p\u0159edb\u011b\u017en\u00e9 schv\u00e1len\u00ed, je dobr\u00e9 zjistit, pro\u010d. Zeptejte se v\u011b\u0159itele \u2013 mo\u017en\u00e1 budete moci prov\u00e9st zm\u011bny, kter\u00e9 zv\u00fd\u0161\u00ed va\u0161e \u0161ance na schv\u00e1len\u00ed v budoucnu. Nezapome\u0148te si tak\u00e9 prohl\u00e9dnout sv\u00e9 \u00fav\u011brov\u00e9 registry. V n\u011bkter\u00e9m z nich m\u016f\u017eete naj\u00edt potenci\u00e1ln\u00ed chybu, kter\u00e1 m\u016f\u017ee negativn\u011b ovlivnit v\u00e1\u0161 profil.<\/li>\n<\/ol>\n<div class=\"wpex-alert wpex-alert-info\">\n<p><strong>N\u00e1\u0161 TIP<\/strong>: Neexistuje \u017e\u00e1dn\u00e1 rychl\u00e1 n\u00e1prava \u2013 budov\u00e1n\u00ed va\u0161\u00ed bonity vy\u017eaduje \u010das. Nejd\u016fle\u017eit\u011bj\u0161\u00ed je v\u0161ak platit \u00fa\u010dty v\u010das (a pokud mo\u017eno v pln\u00e9 v\u00fd\u0161i) a sni\u017eovat v\u00fd\u0161i sv\u00fdch dluh\u016f. Pom\u00e1h\u00e1 tak\u00e9 pravideln\u011b kontrolovat sv\u00e9 \u00fav\u011brov\u00e9 registry. Prohl\u00ed\u017een\u00ed registr\u016f dlu\u017en\u00edk\u016f v\u00e1m pom\u016f\u017ee zjistit p\u0159\u00edpadn\u00e9 chyby, kter\u00e9 m\u016f\u017eete u \u00fav\u011brov\u00e9ho \u00fa\u0159adu (\u00fa\u0159ad\u016f) rozporovat.<\/p>\n<\/div>\n<h2>Dlouhodob\u00e9 p\u016fj\u010dky maj\u00ed i nev\u00fdhody<\/h2>\n<p>Dlouhodob\u00e9 p\u016fj\u010dky maj\u00ed del\u0161\u00ed dobu spl\u00e1cen\u00ed \u2013 co\u017e znamen\u00e1, \u017ee mohou b\u00fdt u\u017eite\u010dn\u00e9 pro zvl\u00e1dnut\u00ed dluh\u016f d\u00edky ni\u017e\u0161\u00edm m\u011bs\u00ed\u010dn\u00edm spl\u00e1tk\u00e1m. <strong>Jejich nev\u00fdhodou v\u0161ak je, \u017ee v\u00e1s mohou udr\u017eet v dluz\u00edch mnohem d\u00e9le<\/strong>. Pokud si m\u016f\u017eete dovolit krat\u0161\u00ed alternativy, rad\u011bji se dlouhodob\u00e9 p\u016fj\u010dce vyhn\u011bte. Dlouhodob\u00e9 bankovn\u00ed p\u016fj\u010dky v\u0161ak jsou samoz\u0159ejm\u011b vhodn\u00e9 ke konsolidaci men\u0161\u00edch nebankovn\u00edch a kr\u00e1tkodob\u00fdch p\u016fj\u010dek. Ne\u017e se v\u0161ak rozhodnete, zda se touto cestou vyd\u00e1te, ujist\u011bte se, \u017ee v\u00edte, jak konsolidace dluh\u016f funguje.<\/p>\n<p>Nejv\u011bt\u0161\u00ed nev\u00fdhodou n\u011bkter\u00fdch dlouhodob\u00fdch p\u016fj\u010dek je, \u017ee <strong>m\u016f\u017ee b\u00fdt obt\u00ed\u017en\u00e9 z\u00edskat n\u00e1rok na jejich z\u00edsk\u00e1n\u00ed<\/strong> \u2013 zejm\u00e9na pokud jsou nezaji\u0161t\u011bn\u00e9, co\u017e znamen\u00e1, \u017ee nen\u00ed vy\u017eadov\u00e1na \u017e\u00e1dn\u00e1 z\u00e1stava. M\u00edsto toho se v\u011b\u0159itel p\u0159i rozhodov\u00e1n\u00ed o p\u016fj\u010dce bude zab\u00fdvat faktory, jako je va\u0161e finan\u010dn\u00ed historie a v\u00fd\u0161e st\u00e1vaj\u00edc\u00edch \u00fav\u011br\u016f. Pokud va\u0161e bonita nen\u00ed dobr\u00e1, mo\u017en\u00e1 budete muset zv\u00e1\u017eit jin\u00e9 mo\u017enosti. U zaji\u0161t\u011bn\u00e9ho dlouhodob\u00e9ho \u00fav\u011bru je naopak p\u016fj\u010dka zaji\u0161t\u011bna majetkem neboli z\u00e1stavou, kterou mohou v\u011b\u0159itel\u00e9 zabavit, pokud p\u016fj\u010dku nespl\u00e1c\u00edte.<\/p>\n<p>Dlouhodob\u00e9 p\u016fj\u010dky <strong>mohou b\u00fdt u\u017eite\u010dn\u00e9, pokud si pot\u0159ebujete p\u016fj\u010dit velkou \u010d\u00e1stku a chcete ji spl\u00e1cet del\u0161\u00ed dobu<\/strong>. Proto\u017ee v\u0161ak mohou dlouhodob\u011b prodra\u017eit, je dobr\u00e9 zv\u00e1\u017eit levn\u011bj\u0161\u00ed kr\u00e1tkodob\u011bj\u0161\u00ed alternativy, kter\u00e9 by mohly b\u00fdt pro va\u0161i situaci vhodn\u011bj\u0161\u00ed.<\/p>\n<h2>Nej\u010dast\u011bj\u0161\u00ed dotazy<\/h2>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Jak funguj\u00ed dlouhodob\u00e9 p\u016fj\u010dky?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Zat\u00edmco b\u011b\u017enou kr\u00e1tkodobou p\u016fj\u010dku m\u016f\u017eete spl\u00e1cet p\u00e1r t\u00fddnu nebo maxim\u00e1ln\u011b rok, dlouhodob\u00e9 p\u016fj\u010dky se spl\u00e1cej\u00ed mnohem d\u00e9le. Abyste z\u00edskali n\u00e1rok na konkurenceschopn\u00e9 sazby dlouhodob\u00fdch p\u016fj\u010dek, pot\u0159ebujete slu\u0161nou bonitu, p\u0159\u00edjem a pracovn\u00ed historii. Myslete v\u0161ak na to, kolik nakonec zaplat\u00edte na \u00faroc\u00edch. Je to \u010d\u00e1stka, kterou si m\u016f\u017eete dovolit?\"}},{\"@type\":\"Question\",\"name\":\"Pot\u0159ebuji u dlouhodob\u00fdch p\u016fj\u010dek bez registru ru\u010ditele?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ru\u010ditel je bl\u00edzk\u00fd p\u0159\u00edtel nebo \u010dlen rodiny, kter\u00fd s v\u00e1mi spolupodepisuje smlouvu o p\u016fj\u010dce. Podpisem smlouvy souhlas\u00ed s t\u00edm, \u017ee se na z\u00e1vazc\u00edch p\u016fj\u010dky bude pod\u00edlet s v\u00e1mi. Pokud ji nebudete spl\u00e1cet, t\u00edha odpov\u011bdnosti padne na va\u0161eho ru\u010ditele. V\u011b\u0159itel vyzve va\u0161eho ru\u010ditele, aby za v\u00e1s spl\u00e1cel. V\u011bt\u0161ina dlouhodob\u00fdch \u2013 zejm\u00e9na nebankovn\u00edch \u2013 p\u016fj\u010dek ru\u010ditele nevy\u017eaduje. S ru\u010ditelem si v\u0161ak m\u016f\u017eete p\u0159ij\u00edt na lep\u0161\u00ed \u00fav\u011brov\u00e9 podm\u00ednky.\"}},{\"@type\":\"Question\",\"name\":\"Je u dlouhodob\u00e9 p\u016fj\u010dky vy\u017eadov\u00e1no zaji\u0161t\u011bn\u00ed?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Plat\u00ed tot\u00e9\u017e, co pro ru\u010ditele \u2013 ani zaji\u0161t\u011bn\u00ed obvykle vy\u017eadov\u00e1no nen\u00ed. Pokud v\u0161ak m\u00e1te ni\u017e\u0161\u00ed bonitu a chcete dos\u00e1hnout na v\u00fdhodn\u011bj\u0161\u00ed \u00fav\u011brov\u00e9 podm\u00ednky, m\u016f\u017eete volit cestu zaji\u0161t\u011bn\u00e9 dlouhodob\u00e9 p\u016fj\u010dky a dos\u00e1hnout d\u00edky tomu na ni\u017e\u0161\u00ed RPSN.\"}},{\"@type\":\"Question\",\"name\":\"Je mo\u017en\u00e9 z\u00edskat dlouhodobou p\u016fj\u010dku i bez registru dlu\u017en\u00edk\u016f?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"V takov\u00e9m p\u0159\u00edpad\u011b pro v\u00e1s bude obt\u00ed\u017en\u011bj\u0161\u00ed z\u00edskat dlouhodobou p\u016fj\u010dku u tradi\u010dn\u00edho v\u011b\u0159itele. Specializovan\u00ed poskytovatel\u00e9 p\u016fj\u010dek se v\u0161ak orientuj\u00ed na probl\u00e9mov\u00e9 klienty a zprost\u0159edkuj\u00ed p\u016fj\u010dku i spot\u0159ebitel\u016fm se \u0161patnou bonitou. V takov\u00e9m p\u0159\u00edpad\u011b se v\u0161ak budete muset spokojit s hor\u0161\u00edmi \u00fav\u011brov\u00fdmi podm\u00ednkami.\"}},{\"@type\":\"Question\",\"name\":\"Kolik pen\u011bz si mohu p\u016fj\u010dit a na jak dlouhou dobu?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Existuje \u0161irok\u00e1 \u0161k\u00e1la poskytovatel\u016f dlouhodob\u00fdch p\u016fj\u010dek, kte\u0159\u00ed v\u00e1m jsou schopn\u00ed p\u016fj\u010dit i statis\u00edcov\u00e9 \u010d\u00e1stky nebo v\u00edce, klidn\u011b na 10 let. Do velk\u00e9 m\u00edry v\u0161ak op\u011bt z\u00e1le\u017e\u00ed na va\u0161\u00ed bonit\u011b. Pokud chcete zv\u00fd\u0161it \u0161anci na z\u00edsk\u00e1n\u00ed vysok\u00e9ho \u00fav\u011bru, m\u016f\u017eete volit cestu p\u016fj\u010dky se zaji\u0161t\u011bn\u00edm nebo s ru\u010ditelem.\"}}]}<\/script><!--FAQPage Code Generated by https:\/\/saijogeorge.com\/json-ld-schema-generator\/faq\/--><\/p>\n<p><strong>Jak funguj\u00ed dlouhodob\u00e9 p\u016fj\u010dky?<\/strong><\/p>\n<p>Zat\u00edmco b\u011b\u017enou kr\u00e1tkodobou p\u016fj\u010dku m\u016f\u017eete spl\u00e1cet p\u00e1r t\u00fddnu nebo maxim\u00e1ln\u011b rok, dlouhodob\u00e9 p\u016fj\u010dky se spl\u00e1cej\u00ed mnohem d\u00e9le. Abyste z\u00edskali n\u00e1rok na konkurenceschopn\u00e9 sazby dlouhodob\u00fdch p\u016fj\u010dek, pot\u0159ebujete slu\u0161nou bonitu, p\u0159\u00edjem a pracovn\u00ed historii. Myslete v\u0161ak na to, kolik nakonec zaplat\u00edte na \u00faroc\u00edch. Je to \u010d\u00e1stka, kterou si m\u016f\u017eete dovolit?<\/p>\n<p><strong>Pot\u0159ebuji u dlouhodob\u00fdch p\u016fj\u010dek bez registru ru\u010ditele?<\/strong><\/p>\n<p>Ru\u010ditel je bl\u00edzk\u00fd p\u0159\u00edtel nebo \u010dlen rodiny, kter\u00fd s v\u00e1mi spolupodepisuje smlouvu o p\u016fj\u010dce. Podpisem smlouvy souhlas\u00ed s t\u00edm, \u017ee se na z\u00e1vazc\u00edch p\u016fj\u010dky bude pod\u00edlet s v\u00e1mi. Pokud ji nebudete spl\u00e1cet, t\u00edha odpov\u011bdnosti padne na va\u0161eho ru\u010ditele. V\u011b\u0159itel vyzve va\u0161eho ru\u010ditele, aby za v\u00e1s spl\u00e1cel. V\u011bt\u0161ina dlouhodob\u00fdch \u2013 zejm\u00e9na nebankovn\u00edch \u2013 p\u016fj\u010dek ru\u010ditele nevy\u017eaduje. S\u00a0ru\u010ditelem si v\u0161ak m\u016f\u017eete p\u0159ij\u00edt na lep\u0161\u00ed \u00fav\u011brov\u00e9 podm\u00ednky.<\/p>\n<p><strong>Je u dlouhodob\u00e9 p\u016fj\u010dky vy\u017eadov\u00e1no zaji\u0161t\u011bn\u00ed? <\/strong><\/p>\n<p>Plat\u00ed tot\u00e9\u017e, co pro ru\u010ditele \u2013 ani zaji\u0161t\u011bn\u00ed obvykle vy\u017eadov\u00e1no nen\u00ed. Pokud v\u0161ak m\u00e1te ni\u017e\u0161\u00ed bonitu a chcete dos\u00e1hnout na v\u00fdhodn\u011bj\u0161\u00ed \u00fav\u011brov\u00e9 podm\u00ednky, m\u016f\u017eete volit cestu zaji\u0161t\u011bn\u00e9 dlouhodob\u00e9 p\u016fj\u010dky a dos\u00e1hnout d\u00edky tomu na ni\u017e\u0161\u00ed RPSN.<\/p>\n<p><strong>Je mo\u017en\u00e9 z\u00edskat dlouhodobou p\u016fj\u010dku i bez registru dlu\u017en\u00edk\u016f? <\/strong><\/p>\n<p>V\u00a0takov\u00e9m p\u0159\u00edpad\u011b pro v\u00e1s bude obt\u00ed\u017en\u011bj\u0161\u00ed z\u00edskat dlouhodobou p\u016fj\u010dku u tradi\u010dn\u00edho v\u011b\u0159itele. Specializovan\u00ed poskytovatel\u00e9 p\u016fj\u010dek se v\u0161ak orientuj\u00ed na probl\u00e9mov\u00e9 klienty a zprost\u0159edkuj\u00ed p\u016fj\u010dku i spot\u0159ebitel\u016fm se \u0161patnou bonitou. V\u00a0takov\u00e9m p\u0159\u00edpad\u011b se v\u0161ak budete muset spokojit s\u00a0hor\u0161\u00edmi \u00fav\u011brov\u00fdmi podm\u00ednkami.<\/p>\n<p><strong>Kolik pen\u011bz si mohu p\u016fj\u010dit a na jak dlouhou dobu? <\/strong><\/p>\n<p>Existuje \u0161irok\u00e1 \u0161k\u00e1la poskytovatel\u016f dlouhodob\u00fdch p\u016fj\u010dek, kte\u0159\u00ed v\u00e1m jsou schopn\u00ed p\u016fj\u010dit i statis\u00edcov\u00e9 \u010d\u00e1stky nebo v\u00edce, klidn\u011b na 10 let. Do velk\u00e9 m\u00edry v\u0161ak op\u011bt z\u00e1le\u017e\u00ed na va\u0161\u00ed bonit\u011b. Pokud chcete zv\u00fd\u0161it \u0161anci na z\u00edsk\u00e1n\u00ed vysok\u00e9ho \u00fav\u011bru, m\u016f\u017eete volit cestu p\u016fj\u010dky se zaji\u0161t\u011bn\u00edm nebo s\u00a0ru\u010ditelem.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<style>.vcex-button.vcex_69f2e66bca243{border-radius:50px;background:#86ad00;color:#ffffff!important;padding-block:18px;padding-inline:40px;font-size:20px;font-weight:400;}.vcex-button.vcex_69f2e66bca243: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_69f2e66bca243\"><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]Vzhledem k tomu, \u017ee je k dispozici tolik r\u016fzn\u00fdch druh\u016f p\u016fj\u010dek, m\u016f\u017ee b\u00fdt obt\u00ed\u017en\u00e9 zjistit, kter\u00e1 z nich by pro v\u00e1s mohla b\u00fdt ta prav\u00e1. Dlouhodob\u00e1 bankovn\u00ed nebo nebankovn\u00ed p\u016fj\u010dka bez registru je jednou z mo\u017enost\u00ed, kterou m\u016f\u017eete zv\u00e1\u017eit, pokud chcete platit men\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku za \u010d\u00e1stku, kterou si chcete p\u016fj\u010dit. Za tyto ni\u017e\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed&hellip;<\/p>\n","protected":false},"author":1,"featured_media":96,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"post_series":[],"class_list":["post-91","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>Dlouhodob\u00e1 p\u016fj\u010dka bez registru a bez dolo\u017een\u00ed p\u0159\u00edjmu - COOL Money<\/title>\n<meta name=\"description\" content=\"Pot\u0159ebujete si p\u016fj\u010dit pen\u00edze a p\u0159em\u00fd\u0161l\u00edte, zda je pro v\u00e1s dlouhodob\u00e1 p\u016fj\u010dka bez registru vhodn\u00e1? 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