{"id":697,"date":"2022-12-10T22:17:14","date_gmt":"2022-12-10T21:17:14","guid":{"rendered":"https:\/\/financeapenize.cz\/?p=697"},"modified":"2022-12-10T22:17:16","modified_gmt":"2022-12-10T21:17:16","slug":"co-cekat-od-hotovostnich-pujcek","status":"publish","type":"post","link":"https:\/\/financeapenize.cz\/?p=697","title":{"rendered":"Co \u010dekat od hotovostn\u00edch p\u016fj\u010dek?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>V\u011bt\u0161ina p\u016fj\u010dek se dnes vypl\u00e1c\u00ed p\u0159evodem na \u00fa\u010det. Je to rychlej\u0161\u00ed a levn\u011bj\u0161\u00ed. Jsou v\u0161ak i spole\u010dnosti, kter\u00e9 nab\u00edzej\u00ed hotovostn\u00ed p\u016fj\u010dky na ruku. Pro koho jsou tyto p\u016fj\u010dky ur\u010deny? A jak\u00e9 jsou jejich v\u00fdhody a nev\u00fdhody?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ne ka\u017ed\u00fd z\u00e1jemce o p\u016fj\u010dku chce pen\u00edze na \u00fa\u010det. N\u011bkdo pen\u00edze pot\u0159ebuje rychle, jin\u00fd nem\u00e1 p\u0159\u00edstup k \u00fa\u010dtu, dal\u0161\u00ed nechce \u0159e\u0161it v\u00fdb\u011bry z bankomatu. Ve v\u0161ech t\u011bchto p\u0159\u00edpadech p\u0159ijdou vhod <strong>p\u016fj\u010dky v hotovosti <\/strong>neboli na ruku. Co lze od t\u011bchto p\u016fj\u010dek \u010dekat?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pro koho je hotovostn\u00ed p\u016fj\u010dka ur\u010dena?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hotovostn\u00ed p\u016fj\u010dka je ur\u010dena pro lidi, kte\u0159\u00ed z n\u011bjak\u00e9ho d\u016fvodu preferuj\u00ed hotovost. Nej\u010dast\u011bji se jedn\u00e1 o ty, kte\u0159\u00ed maj\u00ed <strong>\u00fa\u010det obstaven\u00fd exekutorem<\/strong>, dlu\u017en\u00edky v <strong>insolvenci<\/strong> nebo lidi se <strong>z\u00e1znamem v registru<\/strong> dlu\u017en\u00edk\u016f.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Z pohledu bank jde o<strong> rizikov\u00e9 <\/strong>klienty. Z tohoto d\u016fvodu banky hotovostn\u00ed p\u016fj\u010dky neposkytuj\u00ed. Musej\u00ed toti\u017e prov\u011b\u0159ovat bonitu \u017eadatel\u016f a pokud nen\u00ed dobr\u00e1, \u017e\u00e1dost neschv\u00e1l\u00ed.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Samoz\u0159ejm\u011b \u017eadatelem nemus\u00ed b\u00fdt jen probl\u00e9mov\u00fd klient. O p\u016fj\u010dku na ruku m\u016f\u017ee \u017e\u00e1dat i ten, kdo na <strong>pen\u00edze chv\u00e1t\u00e1<\/strong>, nebo jen prost\u011b nechce jednat s bankou.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Parametry hotovostn\u00ed p\u016fj\u010dky<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.niklak.cz\/hotovostni-pujcka\/\"><strong>Hotovostn\u00ed p\u016fj\u010dku na ruku<\/strong><\/a> poskytuj\u00ed v\u00fdhradn\u011b <strong>nebankovn\u00ed spole\u010dnosti<\/strong> nebo <strong>soukrom\u00e9 osoby<\/strong>. Tento typ p\u016fj\u010dek se vyzna\u010duje <strong>kr\u00e1tkou dobou splatnosti <\/strong>a mo\u017enost\u00ed p\u016fj\u010den\u00ed <strong>ni\u017e\u0161\u00edch \u010d\u00e1stek<\/strong>. Nelze \u010dekat, \u017ee \u010dlov\u011bk dostane <a href=\"https:\/\/www.niklak.cz\/nebankovni-pujcka-na-ruku\/\"><strong>pen\u00edze na ruku<\/strong><\/a> v \u0159\u00e1dech statis\u00edc\u016f korun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zpravidla si lze p\u016fj\u010dit n\u011bkolik tis\u00edc \u010di des\u00edtek tis\u00edc korun. P\u016fj\u010dka je v\u011bt\u0161inou <strong>splatn\u00e1 nar\u00e1z<\/strong> v jedn\u00e9 platb\u011b, a to b\u011bhem n\u011bkolika dn\u00ed. Maxim\u00e1ln\u011b v\u0161ak do jednoho m\u011bs\u00edce.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hotovostn\u00ed p\u016fj\u010dku na ruku nen\u00ed p\u0159\u00edli\u0161 slo\u017eit\u00e9 z\u00edskat, proto\u017ee poskytovatel\u00e9 p\u016fj\u010dky jsou pom\u011brn\u011b <strong>benevolentn\u00ed<\/strong> a proh\u0159e\u0161ky v \u00fav\u011brov\u00e9 minulosti \u017eadatele p\u0159\u00edli\u0161 nezkoumaj\u00ed. To je v\u0161ak vyv\u00e1\u017eeno t\u00edm, \u017ee se jedn\u00e1 o p\u016fj\u010dky s<strong> vysok\u00fdmi \u00faroky<\/strong> a poplatky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Neb\u00fdv\u00e1 v\u00fdjimkou, \u017ee za p\u016fj\u010dku na ruku \u010dlov\u011bk <strong>zaplat\u00ed mnohem v\u00edce <\/strong>ne\u017e si p\u016fj\u010dil. Hotovostn\u00ed p\u016fj\u010dky tak dlu\u017en\u00edk <strong>v\u00fdrazn\u011b p\u0159epl\u00e1c\u00ed<\/strong>. D\u00e1 se \u0159\u00edci, \u017ee nev\u00fdhody hotovostn\u00ed p\u016fj\u010dky p\u0159eva\u017euj\u00ed nad v\u00fdhodami. Nicm\u00e9n\u011b pro leckter\u00e9 \u017eadatele je hotovostn\u00ed p\u016fj\u010dka jedinou mo\u017enost\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hotovostn\u00ed p\u016fj\u010dky<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Z\u00edskat hotovostn\u00ed p\u016fj\u010dku nen\u00ed p\u0159\u00edli\u0161 slo\u017eit\u00e9. Sta\u010d\u00ed, kdy\u017e je \u017eadatel <strong>star\u0161\u00ed 18 let<\/strong>, je <strong>ob\u010danem \u010cR <\/strong>nebo u n\u00e1s m\u00e1 alespo\u0148 povolen\u00ed k pobytu a k \u017e\u00e1dosti p\u0159ilo\u017e\u00ed sv\u016fj<strong> platn\u00fd ob\u010dansk\u00fd pr\u016fkaz<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Solidn\u00ed poskytovatel p\u016fj\u010dky \u017e\u00e1d\u00e1 i <strong>doklad o p\u0159\u00edjmech<\/strong>, nebo\u0165 je jeho povinnost\u00ed prov\u011b\u0159it schopnost \u017eadatele p\u016fj\u010dku splatit. Av\u0161ak mnoho spole\u010dnost\u00ed tak ne\u010din\u00ed a ani nenahl\u00ed\u017e\u00ed do registr\u016f dlu\u017en\u00edk\u016f.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak z\u00edskat hotovostn\u00ed p\u016fj\u010dku?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O hotovostn\u00ed p\u016fj\u010dku se \u017e\u00e1d\u00e1 <strong>online<\/strong> prost\u0159ednictv\u00edm jednoduch\u00e9ho formul\u00e1\u0159e. \u017dadatel vypln\u00ed sv\u00e9 osobn\u00ed \u00fadaje, nahraje doklad toto\u017enosti a vypln\u00ed, jakou \u010d\u00e1stku chce p\u016fj\u010dit. Pak \u010dek\u00e1 na schv\u00e1len\u00ed p\u016fj\u010dky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cel\u00fd proces je v\u0161ak <strong>rychl\u00fd<\/strong>. Dokonce m\u016f\u017ee z\u00edskat i <a href=\"https:\/\/www.vpenize.cz\/pujcky-na-ruku\/\"><strong>p\u016fj\u010dku do hodiny na ruku<\/strong><\/a>. Pen\u00edze mu <strong>doru\u010d\u00ed <\/strong>bu\u010f kur\u00fdr, nebo si je snadno <strong>vyzvedne<\/strong> ve vybran\u00e9 trafice \u010di na \u010derpac\u00ed stanici.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hotovostn\u00ed p\u016fj\u010dky si v\u0161ak \u017e\u00e1daj\u00ed zv\u00fd\u0161en\u00e9 n\u00e1klady, tak\u017ee je pot\u0159eba po\u010d\u00edtat s t\u00edm, \u017ee za p\u0159ed\u00e1n\u00ed pen\u011bz na ruku si \u017eadatel p\u011bkn\u011b p\u0159iplat\u00ed.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Na co si d\u00e1t pozor?&nbsp;&nbsp;&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">P\u016fj\u010dky v hotovosti mohou b\u00fdt spojeny s <strong>lichv\u00e1\u0159i <\/strong>a jin\u00fdmi podvodn\u00edky, kte\u0159\u00ed cht\u011bj\u00ed co nejv\u00edce vyd\u011blat. <a href=\"https:\/\/www.niklak.cz\/pujcka-od-lidi\/\"><strong>P\u016fj\u010dka od lid\u00ed<\/strong><\/a> je v\u017edy rizikov\u00e1, proto to, co plat\u00ed obecn\u011b pro v\u0161echny nebankovn\u00ed p\u016fj\u010dky, plat\u00ed pro hotovostn\u00ed p\u016fj\u010dky dvojn\u00e1sobn\u011b.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je t\u0159eba si vybrat jen <strong>solidn\u00edho<\/strong> a f\u00e9rov\u00e9ho poskytovatele, kter\u00fd m\u00e1 <strong>jasn\u011b dan\u00e9 podm\u00ednky<\/strong>, na \u017eadatele nijak <strong>netla\u010d\u00ed<\/strong>, m\u00e1 <strong>licenci \u010cNB<\/strong> a <strong>dobr\u00e9 recenze <\/strong>ostatn\u00edch klient\u016f. To je z\u00e1rukou f\u00e9rov\u00e9ho p\u0159\u00edstupu ke ka\u017ed\u00e9 \u017e\u00e1dosti a ka\u017ed\u00e9mu klientovi.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>V\u011bt\u0161ina p\u016fj\u010dek se dnes vypl\u00e1c\u00ed p\u0159evodem na \u00fa\u010det. Je to rychlej\u0161\u00ed a levn\u011bj\u0161\u00ed. Jsou v\u0161ak i spole\u010dnosti, kter\u00e9 nab\u00edzej\u00ed hotovostn\u00ed p\u016fj\u010dky na ruku. Pro koho jsou tyto p\u016fj\u010dky ur\u010deny? A jak\u00e9 jsou jejich v\u00fdhody a nev\u00fdhody? Ne ka\u017ed\u00fd z\u00e1jemce o p\u016fj\u010dku chce pen\u00edze na \u00fa\u010det. N\u011bkdo pen\u00edze pot\u0159ebuje rychle, jin\u00fd nem\u00e1 p\u0159\u00edstup k \u00fa\u010dtu, dal\u0161\u00ed [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":698,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[17],"tags":[],"class_list":["post-697","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/financeapenize.cz\/index.php?rest_route=\/wp\/v2\/posts\/697","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/financeapenize.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financeapenize.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financeapenize.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/financeapenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=697"}],"version-history":[{"count":1,"href":"https:\/\/financeapenize.cz\/index.php?rest_route=\/wp\/v2\/posts\/697\/revisions"}],"predecessor-version":[{"id":699,"href":"https:\/\/financeapenize.cz\/index.php?rest_route=\/wp\/v2\/posts\/697\/revisions\/699"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financeapenize.cz\/index.php?rest_route=\/wp\/v2\/media\/698"}],"wp:attachment":[{"href":"https:\/\/financeapenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=697"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financeapenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=697"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financeapenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=697"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}