{"id":1086,"date":"2019-11-15T13:34:29","date_gmt":"2019-11-15T12:34:29","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=1086"},"modified":"2025-10-30T12:34:18","modified_gmt":"2025-10-30T11:34:18","slug":"nebankovni-pujcky-mohou-konkurovat-bankam","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/nebankovni-pujcky-mohou-konkurovat-bankam\/","title":{"rendered":"Jsou nebankovn\u00ed p\u016fj\u010dky zlo? D\u016fle\u017eit\u00fd je spr\u00e1vn\u00fd v\u00fdb\u011br, n\u011bkter\u00e9 mohou konkurovat bank\u00e1m"},"content":{"rendered":"\n<p><a href=\"https:\/\/skippay.cz\/pujcka\">Nebankovn\u00ed p\u016fj\u010dka<\/a> je \u00fav\u011br, kter\u00fd lidem poskytuje jin\u00fd subjekt ne\u017e banka. Jde zpravidla o \u00fav\u011brovou spole\u010dnost, kter\u00e1 od \u010cesk\u00e9 n\u00e1rodn\u00ed banky (\u010cNB) z\u00edskala<strong> licenci umo\u017e\u0148uj\u00edc\u00ed poskytov\u00e1n\u00ed p\u016fj\u010dek<\/strong>. Takov\u00fdch spole\u010dnost\u00ed aktu\u00e1ln\u011b na trhu p\u016fsob\u00ed lehce p\u0159es 80, ale d\u0159\u00edve, kdy\u017e k rozjezdu byznysu s p\u016fj\u010dov\u00e1n\u00edm pen\u011bz sta\u010dil pouze \u017eivnostensk\u00fd list,&nbsp; jich bylo n\u00e1sobn\u011b v\u00edce.&nbsp;<\/p>\n\n\n<div class=\"su-box su-box-style-default\" id=\"\" style=\"border-color:#009f63;border-radius:3px;max-width:none\"><div class=\"su-box-title\" style=\"background-color:#19D296;color:#FFFFFF;border-top-left-radius:1px;border-top-right-radius:1px\">TIP!<\/div><div class=\"su-box-content su-u-clearfix su-u-trim\" style=\"border-bottom-left-radius:1px;border-bottom-right-radius:1px\"><a href=\"https:\/\/skippay.cz\/blog\/5-tipu-jak-poznat-pochybnou-pujcku\/\">P\u016fj\u010dka<\/a>, nebo n\u00e1kup na spl\u00e1tky? Pod\u00edvali jsme se na zoubek <b><a href=\"https:\/\/skippay.cz\/splatky\">spl\u00e1tkov\u00e9mu prodeji.<\/a><\/b><\/div><\/div>\n\n\n\n<p>V d\u016fsledku nejednozna\u010dn\u011b nastaven\u00fdch podm\u00ednek, kter\u00e9 nahr\u00e1valy sp\u00ed\u0161e v\u011b\u0159itel\u016fm a \u010dasto p\u0159\u00edli\u0161 nehled\u011bly na bonitu klienta, se lid\u00e9 dost\u00e1vali do dluhov\u00e9 pasti, ze kter\u00e9 se mnoz\u00ed vymot\u00e1vaj\u00ed dodnes. I z toho d\u016fvodu nebankovn\u00ed <a href=\"https:\/\/skippay.cz\/blog\/jak-vybrat-vyhodny-spotrebitelsky-uver\/\">p\u016fj\u010dky<\/a> a <a href=\"http:\/\/skippay.cz\/slovnik-pojmu\/pismeno-m\/mikropujcka\/\">mikrop\u016fj\u010dky<\/a> z\u00edskaly<strong> nep\u0159\u00edli\u0161 lichotivou pov\u011bst <\/strong>nev\u00fdhodn\u00fdch \u00fav\u011br\u016f, k nim\u017e se uchyluj\u00ed p\u0159edev\u0161\u00edm lid\u00e9 s n\u00edzk\u00fdmi <a href=\"https:\/\/skippay.cz\/blog\/jak-vybrat-vyhodny-spotrebitelsky-uver\/\">p\u0159\u00edjmy<\/a> nebo problematickou finan\u010dn\u00ed minulost\u00ed, kte\u0159\u00ed maj\u00ed sklony vytloukat p\u016fj\u010dku p\u016fj\u010dkou.&nbsp;<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"529\" src=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/11\/penize_nebankovni_pujcky.jpg\" alt=\"Stoj\u00ed nebankovn\u00ed p\u016fj\u010dka za to?\" class=\"wp-image-1084\" style=\"width:600px;height:397px\" srcset=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/11\/penize_nebankovni_pujcky.jpg 800w, https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/11\/penize_nebankovni_pujcky-300x198.jpg 300w, https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/11\/penize_nebankovni_pujcky-768x508.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-element-caption\">Pen\u00edze nav\u00edc se v\u017edycky hod\u00ed. Ale ne za ka\u017edou cenu.<\/figcaption><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>Zlomov\u00fd rok 2016 p\u0159inesl nov\u00e9 podm\u00ednky<\/strong>&nbsp;<\/h2>\n\n\n\n<p>\u010cesk\u00fd trh s nebankovn\u00edmi p\u016fj\u010dkami za\u017eil velk\u00e9 zem\u011bt\u0159esen\u00ed na konci roku 2016, kdy vstoupila v platnost <strong>novela z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru<\/strong>. Jej\u00edm c\u00edlem bylo pos\u00edlit postaven\u00ed dlu\u017en\u00edka a vy\u010distit trh od \u00fav\u011brov\u00fdch spole\u010dnost\u00ed, kter\u00e9 si praktikami a podm\u00ednkami spl\u00e1cen\u00ed nezadaly s lichv\u00e1\u0159i. Co se pro dlu\u017en\u00edky i poskytovatele p\u016fj\u010dek zm\u011bnilo?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Banka nebo \u00fav\u011brov\u00e1 spole\u010dnost mus\u00ed dlu\u017en\u00edka informovat o <strong>celkov\u00fdch n\u00e1kladech na \u00fav\u011br<\/strong>. To znamen\u00e1, \u017ee ve smlouv\u011b mus\u00ed b\u00fdt uvedena celkov\u00e1 suma, kterou klient prost\u0159ednictv\u00edm spl\u00e1tek zaplat\u00ed, aby si mohl sn\u00e1ze porovnat, zda je pro n\u011bj nab\u00eddka v\u00fdhodn\u00e1, nebo ne.<br><\/li>\n\n\n\n<li>P\u0159ed t\u00edm, ne\u017e poskytovatel potenci\u00e1ln\u00edmu dlu\u017en\u00edkovi p\u016fj\u010dku schv\u00e1l\u00ed, je povinen zevrubn\u011b <strong>prov\u011b\u0159it jeho finan\u010dn\u00ed situaci<\/strong>. Pokud zjist\u00ed, \u017ee by \u017eadatel mohl m\u00edt se spl\u00e1cen\u00edm pot\u00ed\u017ee, nesm\u00ed mu p\u016fj\u010dku poskytnout.<br><\/li>\n\n\n\n<li>\u00dav\u011brov\u00e1 smlouva nesm\u00ed obsahovat tzv. <strong>rozhod\u010d\u00ed dolo\u017eku<\/strong>, tedy ustanoven\u00ed (um\u00edst\u011bn\u00e9 zpravidla na nejm\u00e9n\u011b viditeln\u00e9m m\u00edst\u011b dokumentu) o tom, \u017ee v p\u0159\u00edpad\u011b nespl\u00e1cen\u00ed nebude o osudu dlu\u017en\u00edka rozhodovat soud, ale soukrom\u00fd rozhodce. Tito soukrom\u00ed arbit\u0159i v minulosti \u010dasto stranili v\u011b\u0159itel\u016fm, a tak dlu\u017en\u00edci museli hradit p\u0159emr\u0161t\u011bn\u00e9 pokuty nebo snadn\u011bji skon\u010dili v rukou exekutora. V\u0161echny spory spojen\u00e9 s p\u016fj\u010dkou tedy mus\u00ed prob\u00edhat skrze soud.<br><\/li>\n\n\n\n<li>Jestli\u017ee dlu\u017en\u00edk nen\u00ed schopen p\u016fj\u010dku spl\u00e1cet, v\u00fd\u0161e n\u00e1hrady n\u00e1klad\u016f na vym\u00e1h\u00e1n\u00ed dluhu, \u00farok\u016f z prodlen\u00ed a <strong>smluvn\u00ed pokuty nesm\u00ed p\u0159es\u00e1hnout 50 % vyp\u016fj\u010den\u00e9 \u010d\u00e1stky<\/strong> a m\u016f\u017ee b\u00fdt maxim\u00e1ln\u011b 200 000 K\u010d.<br><\/li>\n\n\n\n<li><strong>Poskytovatel\u00e9 \u00fav\u011br\u016f maj\u00ed povinnost disponovat<\/strong> <strong>licenc\u00ed<\/strong>, kterou ud\u011bluje \u010cNB, a z\u00e1kladn\u00edm kapit\u00e1lem ve v\u00fd\u0161i minim\u00e1ln\u011b 20 milion\u016f korun. Prodejci \u00fav\u011br\u016f a finan\u010dn\u00ed poradci musej\u00ed m\u00edt ukon\u010den\u00e9 st\u0159edo\u0161kolsk\u00e9 vzd\u011bl\u00e1n\u00ed s maturitou a absolvovat speci\u00e1ln\u00ed zkou\u0161ku, kter\u00e1 prov\u011b\u0159\u00ed jejich odborn\u00e9 znalosti.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pro\u010di\u0161t\u011bn\u00fd trh i \u017eadatel\u00e9 zklaman\u00ed z odm\u00edtnut\u00ed<\/strong><\/h2>\n\n\n\n<p>Nov\u00e1 pravidla \u00fav\u011brov\u00e1n\u00ed p\u0159inesla spot\u0159ebitel\u016fm v\u00edce pr\u00e1v a vymazala z trhu celou \u0159adu pochybn\u00fdch poskytovatel\u016f p\u016fj\u010dek, kte\u0159\u00ed nebyli schopni splnit podm\u00ednky nastaven\u00e9 centr\u00e1ln\u00ed bankou. Zp\u0159\u00edsn\u011bn\u00ed pravidel p\u016fj\u010dov\u00e1n\u00ed ale tak\u00e9 zap\u0159\u00ed\u010dinilo, \u017ee \u0159ada lid\u00ed, kte\u0159\u00ed by \u00fav\u011br d\u0159\u00edve bez velk\u00fdch pot\u00ed\u017e\u00ed z\u00edskali,<strong> na n\u011bj dnes nedos\u00e1hnou<\/strong>. To pochopiteln\u011b plat\u00ed i pro \u201erizikov\u00e9\u201c \u017eadatele, tedy z\u00e1jemce o \u00fav\u011br s ur\u010dit\u00fdm finan\u010dn\u00edm \u0161kraloupem, kte\u0159\u00ed d\u0159\u00edve u nebankovn\u00edch spole\u010dnost\u00ed m\u011bli \u0161anci usp\u011bt.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"518\" src=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/11\/smlouva_nebankovni_pujcka.jpg\" alt=\"Podm\u00ednky nebankovn\u00edch spole\u010dnost\u00ed\" class=\"wp-image-1085\" style=\"width:600px;height:389px\" srcset=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/11\/smlouva_nebankovni_pujcka.jpg 800w, https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/11\/smlouva_nebankovni_pujcka-300x194.jpg 300w, https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/11\/smlouva_nebankovni_pujcka-768x497.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-element-caption\">Ne\u017e si s \u00fav\u011brovou spole\u010dnost\u00ed pl\u00e1cnete, dob\u0159e si prostudujte podm\u00ednky, kter\u00e9 v\u00e1m nab\u00edz\u00ed.<\/figcaption><\/figure>\n<\/div>\n\n\n<p>Takov\u00e9 vy\u00fast\u011bn\u00ed situace je logick\u00e9, proto\u017ee c\u00edlem nov\u00e9ho \u00fav\u011brov\u00e9ho z\u00e1kona je zabr\u00e1nit tomu, aby se dlu\u017en\u00edci dost\u00e1vali do finan\u010dn\u00edch pot\u00ed\u017e\u00ed. A pokud se \u010dlov\u011bk nezadlu\u017e\u00ed, nebude muset \u0159e\u0161it probl\u00e9my se spl\u00e1cen\u00edm sv\u00e9ho z\u00e1vazku.&nbsp;<\/p>\n\n\n\n<p>Z\u00e1rove\u0148 tak ale hroz\u00ed, \u017ee se lid\u00e9 ve finan\u010dn\u00edch t\u011b\u017ekostech obr\u00e1t\u00ed na spole\u010dnosti nebo jednotlivce,<strong> kte\u0159\u00ed pen\u00edze p\u016fj\u010duj\u00ed bez licence<\/strong>, tedy neleg\u00e1ln\u011b. Zejm\u00e9na na internetu takov\u00e9 nab\u00eddky bohu\u017eel st\u00e1le najdete. Asi nen\u00ed t\u0159eba vysv\u011btlovat, \u017ee takov\u00e1 lichv\u00e1\u0159sk\u00e1 p\u016fj\u010dka je vysoce rizikov\u00e1, proto\u017ee se s n\u00ed poj\u00ed vysok\u00e9 \u00faroky a t\u00e9m\u011b\u0159 nulov\u00e1 \u0161ance domoci se jak\u00fdchkoliv pr\u00e1v v p\u0159\u00edpad\u011b, \u017ee se n\u011bco pokaz\u00ed.<\/p>\n\n\n<div class=\"su-box su-box-style-default\" id=\"\" style=\"border-color:#009f63;border-radius:3px;max-width:none\"><div class=\"su-box-title\" style=\"background-color:#19D296;color:#FFFFFF;border-top-left-radius:1px;border-top-right-radius:1px\">TIP!<\/div><div class=\"su-box-content su-u-clearfix su-u-trim\" style=\"border-bottom-left-radius:1px;border-bottom-right-radius:1px\">Pot\u0159ebujete jen malou finan\u010dn\u00ed v\u00fdpomoc p\u0159ed v\u00fdplatou? Vyzkou\u0161ejte m\u00edsto p\u016fj\u010dky <b><a href=\"https:\/\/skippay.cz\/platba-skip-pay\">odlo\u017eenou platbu.<\/a><\/b><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pot\u0159ebujete p\u016fj\u010dku? Nejprve zkuste banku<\/strong><\/h2>\n\n\n\n<p>H\u00e1zet v\u0161echny nebankovn\u00ed spole\u010dnosti do jednoho pytle by nebylo spravedliv\u00e9. Pravdou je, \u017ee n\u011bkter\u00e9 z nich nab\u00edzej\u00ed <strong>podm\u00ednky srovnateln\u00e9 s t\u011bmi, kter\u00e9 dostanete v bance<\/strong>. Ale na druhou stranu s\u00edtem \u010cNB pro\u0161ly i spole\u010dnosti, kter\u00e9 si stoj\u00ed v\u00fdrazn\u011b h\u016f\u0159 ne\u017e bankovn\u00ed poskytovatel\u00e9.<\/p>\n\n\n\n<p>Na pozoru je t\u0159eba se m\u00edt p\u0159edev\u0161\u00edm u t\u011bch, kter\u00e9 nab\u00edzej\u00ed kr\u00e1tkodob\u00e9 \u00fav\u011bry s mo\u017enost\u00ed prodlou\u017een\u00ed splatnosti. Pokud takovou p\u016fj\u010dku uhrad\u00edte v\u010das, zpravidla p\u0159\u00edli\u0161 nep\u0159eplat\u00edte, nebo poprv\u00e9 dokonce nezaplat\u00edte nic nav\u00edc. Jen\u017ee ve chv\u00edli, kdy si splatnost odlo\u017e\u00edte, objev\u00ed se poplatky, se kter\u00fdmi se p\u016fj\u010dka nep\u0159\u00edjemn\u011b prodra\u017e\u00ed. Volba, zda na tuto hru p\u0159istoup\u00edte, je ale samoz\u0159ejm\u011b na ka\u017ed\u00e9m spot\u0159ebiteli.<\/p>\n\n\n\n<p>I kdy\u017e nov\u00e9 zn\u011bn\u00ed z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru z trhu <strong>vytla\u010dilo ty nejtoxi\u010dt\u011bj\u0161\u00ed poskytovatele p\u016fj\u010dek<\/strong>, st\u00e1le plat\u00ed, \u017ee banka v\u00e1m pravd\u011bpodobn\u011b nab\u00eddne lep\u0161\u00ed a transparentn\u011bj\u0161\u00ed podm\u00ednky ne\u017e v\u011bt\u0161ina nebankovn\u00edch spole\u010dnost\u00ed. Pokud tedy pot\u0159ebujete \u00fav\u011br, va\u0161e cesta by m\u011bla nejprve v\u00e9st do banky. Neusp\u011bjete-li, prozkoumejte nab\u00eddku nebankovn\u00edch poskytovatel\u016f nebo se mrkn\u011bte na <a href=\"http:\/\/skippay.cz\/co-jsou-p2p-pujcky-jak-funguji\/\"><strong>P2P p\u016fj\u010dky<\/strong><\/a>. Z\u00e1kon toti\u017e p\u0159esn\u011b nestanovuje, jak\u00fdm zp\u016fsobem m\u00e1 povinn\u00e1&nbsp; kontrola bonity prob\u00edhat, a proto je mo\u017en\u00e9, \u017ee i navzdory p\u0159edchoz\u00edmu odm\u00edtnut\u00ed usp\u011bjete.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>P\u0159ehled nebankovn\u00edch p\u016fj\u010dek<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<figure class=\"wp-block-table is-style-stripes\"><div class=\"table-responsive\"><table class=\"\"><tbody><tr><td><strong>Poskytovatel<strong><\/td><td><strong>N\u00e1zev p\u016fj\u010dky<\/strong><\/td><td><strong>\u00darok od<\/strong><\/td><td><strong>V\u00fd\u0161e p\u016fj\u010dky<\/strong><\/td><\/tr><tr><td>Cofidis<\/td><td>Cofidis \u00fav\u011br<\/td><td>4,49%<\/td><td>20 000\u2013500 000 K\u010d<\/td><\/tr><tr><td>Cool\n  Credit<\/td><td>Rychl\u00e1 p\u016fj\u010dka<\/td><td>10%<\/td><td>1 000\u201315 000 K\u010d<\/td><\/tr><tr><td>Express\n  Cash<\/td><td>Hotovostn\u00ed\n  p\u016fj\u010dka<\/td><td>15%<\/td><td>5 000\u201370 000 K\u010d<\/td><\/tr><tr><td>Essox<\/td><td>P\u016fj\u010dka<\/td><td>13,21%<\/td><td>15 000\u201320 000 K\u010d<\/td><\/tr><tr><td>Fair\n  Credit<\/td><td>Fajn p\u016fj\u010dka<\/td><td>20,74%<\/td><td>4 000\u2013150 000 K\u010d<\/td><\/tr><tr><td>Ferratum&nbsp;<\/td><td>Ferratum Micro<\/td><td>0,28 % denn\u011b<\/td><td>2 500\u201335 000 K\u010d<\/td><\/tr><tr><td>FINEMONEY<\/td><td>P\u016fj\u010dka<\/td><td>21%<\/td><td>50 000\u20135 000 000\n  K\u010d<\/td><\/tr><tr><td>Home\n  Credit&nbsp;<\/td><td>Flexibiln\u00ed\n  p\u016fj\u010dka<\/td><td>9,88%<\/td><td>10 000\u2013250 000\n  K\u010d<\/td><\/tr><tr><td>Home\n  Credit<\/td><td>Tesco p\u016fj\u010dka<\/td><td>12,81<\/td><td>10 000\u2013250 000\n  K\u010d<\/td><\/tr><tr><td>Home\n  Credit<\/td><td>Kamali<\/td><td>0%<\/td><td>1 000\u201320 000 K\u010d<\/td><\/tr><tr><td>KIMBI<\/td><td>P\u016fj\u010dka<\/td><td>59,60%<\/td><td>10 0000\u201360 000\n  K\u010d<\/td><\/tr><tr><td>NUKO&nbsp;<\/td><td>P\u016fj\u010dka<\/td><td>279,83%<\/td><td>1 000\u201320 000 K\u010d<\/td><\/tr><tr><td>Provident\n  Financial<\/td><td>P\u016fj\u010dka Provident<\/td><td>6,20%<\/td><td>6 000\u2013170 000 K\u010d<\/td><\/tr><tr><td>Profi\n  Credit<\/td><td>Osobn\u00ed p\u016fj\u010dka<\/td><td>17%<\/td><td>5 000\u2013166 000 K\u010d<\/td><\/tr><tr><td>Tommy\n  Stachi<\/td><td>P\u016fj\u010dka<\/td><td>10,10%<\/td><td>10 000\u2013150 000\n  K\u010d<\/td><\/tr><tr><td>Zaplo<\/td><td>P\u016fj\u010dka<\/td><td>0%<\/td><td>1 000\u201320 000 K\u010d\n  <\/td><\/tr><\/tbody><\/table><\/div>Zdroj: weby jednotliv\u00fdch poskytovatel\u016f p\u016fj\u010dek, Usetreno.cz, Porovnej24.cz; Aktualizov\u00e1no k 15.11. 2019.<\/figure>\n<\/div><\/div>\n\n\n\n<p>Nevyzn\u00e1te se v p\u016fj\u010dk\u00e1ch? Pod\u00edvejte se na n\u00e1\u0161 <a href=\"https:\/\/skippay.cz\/pujcky\"><strong>velk\u00fd p\u0159ehled p\u016fj\u010dek<\/strong><\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nebankovn\u00ed p\u016fj\u010dka = vysok\u00e9 \u00faroky a RPSN, nev\u00fdhodn\u00e9 podm\u00ednky, miniaturn\u00ed pozn\u00e1mky pod \u010darou a p\u0159\u00edsn\u00e9 sankce p\u0159i nespl\u00e1cen\u00ed, ze kter\u00fdch plynou finan\u010dn\u00ed t\u011b\u017ekosti. Plat\u00ed tato rovnice i dnes, nebo se na trhu s nebankovn\u00edmi \u00fav\u011bry najdou i produkty, kter\u00e9 se vyrovnaj\u00ed t\u011bm od bank?<\/p>\n","protected":false},"author":6,"featured_media":1083,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[23],"class_list":["post-1086","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-pujcka","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mohou nebankovn\u00ed p\u016fj\u010dky konkurovat bank\u00e1m? | Skip Pay<\/title>\n<meta name=\"description\" content=\"Maj\u00ed v\u0161echny nebankovn\u00ed p\u016fj\u010dky vysok\u00e9 \u00faroky a nev\u00fdhodn\u00e9 podm\u00ednky? Pod\u00edvejte se na srovn\u00e1n\u00ed nebankovn\u00edch p\u016fj\u010dek a vyberte si tu spr\u00e1vnou. \ud83d\udcb0\" \/>\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\/nebankovni-pujcky-mohou-konkurovat-bankam\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mohou nebankovn\u00ed p\u016fj\u010dky konkurovat bank\u00e1m? | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"Maj\u00ed v\u0161echny nebankovn\u00ed p\u016fj\u010dky vysok\u00e9 \u00faroky a nev\u00fdhodn\u00e9 podm\u00ednky? Pod\u00edvejte se na srovn\u00e1n\u00ed nebankovn\u00edch p\u016fj\u010dek a vyberte si tu spr\u00e1vnou. \ud83d\udcb0\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skippay.cz\/blog\/nebankovni-pujcky-mohou-konkurovat-bankam\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz\" \/>\n<meta property=\"article:published_time\" content=\"2019-11-15T12:34:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-30T11:34:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/11\/nebankovni_pujcka_ano_nebo_ne.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tomas Krasny\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tomas Krasny\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/nebankovni-pujcky-mohou-konkurovat-bankam\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/nebankovni-pujcky-mohou-konkurovat-bankam\\\/\"},\"author\":{\"name\":\"Tomas Krasny\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/0709c74afc237a8e037d9b2e5578b164\"},\"headline\":\"Jsou nebankovn\u00ed p\u016fj\u010dky zlo? 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