{"id":11667,"date":"2019-10-26T19:28:31","date_gmt":"2019-10-26T18:28:31","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?post_type=encyclopedia&p=949"},"modified":"2019-10-26T19:28:31","modified_gmt":"2019-10-26T18:28:31","slug":"pujcka","status":"publish","type":"pojem","link":"https:\/\/skippay.cz\/blog\/slovnik-pojmu\/pismeno-p\/pujcka\/","title":{"rendered":"P\u016fj\u010dka"},"content":{"rendered":"\n

P\u016fj\u010dkou <\/a>se rozum\u00ed vyu\u017eit\u00ed ciz\u00edch pen\u011bz, kter\u00e9 n\u00e1sledn\u011b dlu\u017en\u00edk spl\u00e1c\u00ed sv\u00e9mu v\u011b\u0159iteli. P\u016fj\u010dky se d\u011bl\u00ed podle \u00fa\u010delu na \u00fa\u010delov\u00e9<\/strong>, u kter\u00fdch je t\u0159eba dok\u00e1zat v\u011b\u0159iteli, na co konkr\u00e9tn\u011b byly pen\u00edze vyu\u017eit\u00e9, a ne\u00fa\u010delov\u00e9<\/strong>, jejich\u017e pen\u00edze m\u016f\u017ee dlu\u017en\u00edk vyu\u017e\u00edt na cokoli.<\/p>\n\n\n\n

Roli hraje tak\u00e9\ndoba spl\u00e1cen\u00ed \u2013 podle toho jsou p\u016fj\u010dky bu\u010f kr\u00e1tkodob\u00e9,\nst\u0159edn\u011bdob\u00e9 nebo dlouhodob\u00e9<\/strong>. Podle \u00fa\u010delu, doby spl\u00e1cen\u00ed,\nale i bonity klienta banka \u010di jin\u00e1 finan\u010dn\u00ed instituce rozhoduje o\ntom, zda \u017eadateli p\u016fj\u010d\u00ed a p\u0159\u00edpadn\u011b kolik a s jak\u00fdm \u00farokem.<\/p>\n\n\n\n

Bonita je soubor faktor\u016f, podle kter\u00fdch instituce vyhodnocuje d\u016fv\u011bryhodnost \u017eadatele o p\u016fj\u010dku<\/a>. Pat\u0159\u00ed mezi n\u011b osobn\u00ed \u00fadaje \u017eadatele jako je v\u011bk, zam\u011bstn\u00e1n\u00ed \u010di vzd\u011bl\u00e1n\u00ed, i finan\u010dn\u00ed \u00fadaje o jeho platebn\u00ed mor\u00e1lce. \u00darok zase zna\u010d\u00ed, o kolik dlu\u017en\u00edk zaplat\u00ed p\u0159i spl\u00e1cen\u00ed nav\u00edc <\/strong>za slu\u017ebu, kterou mu v\u011b\u0159itel poskytl.<\/p>\n","protected":false},"template":"","tags":[116,23],"pismeno":[3265],"class_list":["post-11667","pojem","type-pojem","status-publish","hentry","tag-bonita","tag-pujcka","pismeno-pismeno-p","entry"],"acf":[],"yoast_head":"\nP\u016fj\u010dka | Skip Pay<\/title>\n<meta name=\"description\" content=\"P\u016fj\u010dkou se rozum\u00ed vyu\u017eit\u00ed ciz\u00edch pen\u011bz, kter\u00e9 n\u00e1sledn\u011b dlu\u017en\u00edk spl\u00e1c\u00ed sv\u00e9mu v\u011b\u0159iteli. P\u016fj\u010dky se d\u011bl\u00ed podle \u00fa\u010delu na \u00fa\u010delov\u00e9, u kter\u00fdch je t\u0159eba dok\u00e1zat v\u011b\u0159iteli, na co konkr\u00e9tn\u011b byly pen\u00edze vyu\u017eit\u00e9, a ne\u00fa\u010delov\u00e9, jejich\u017e pen\u00edze m\u016f\u017ee dlu\u017en\u00edk vyu\u017e\u00edt na cokoli.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skippay.cz\/blog\/slovnik-pojmu\/pismeno-p\/pujcka\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"P\u016fj\u010dka | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"P\u016fj\u010dkou se rozum\u00ed vyu\u017eit\u00ed ciz\u00edch pen\u011bz, kter\u00e9 n\u00e1sledn\u011b dlu\u017en\u00edk spl\u00e1c\u00ed sv\u00e9mu v\u011b\u0159iteli. 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