{"id":12435,"date":"2026-06-03T14:48:22","date_gmt":"2026-06-03T12:48:22","guid":{"rendered":"https:\/\/skippay.cz\/blog\/?p=12435"},"modified":"2026-06-17T14:58:41","modified_gmt":"2026-06-17T12:58:41","slug":"5-tipu-jak-poznat-pochybnou-pujcku-2","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/5-tipu-jak-poznat-pochybnou-pujcku-2\/","title":{"rendered":"5 tip\u016f, jak poznat pochybnou p\u016fj\u010dku"},"content":{"rendered":"\n

I kdy\u017e novela z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru \u010d\u00e1ste\u010dn\u011b pro\u010distila finan\u010dn\u00ed sektor od t\u011bch nejm\u00e9n\u011b f\u00e9rov\u00fdch poskytovatel\u016f p\u016fj\u010dek<\/a>, p\u0159esto na trhu z\u016fstaly firmy, kter\u00e9 sv\u00fdm podnik\u00e1n\u00edm balancuj\u00ed na hran\u011b z\u00e1kona<\/strong>. P\u016fj\u010duj\u00ed i lidem, kte\u0159\u00ed by na p\u016fj\u010dku u banky nedos\u00e1hli, a nab\u00edzej\u00ed jim nev\u00fdhodn\u00e9 podm\u00ednky a vysok\u00e9 \u00faroky.\u00a0Tla\u010d\u00ed na okam\u017eit\u00e9 sjedn\u00e1n\u00ed a p\u016fj\u010duj\u00ed i t\u011bm, kte\u0159\u00ed se to\u010d\u00ed v dluhov\u00e9 spir\u00e1le. U jak\u00fdch dal\u0161\u00edch sign\u00e1l\u016f by se v\u00e1m m\u011bla v hlav\u011b rozsv\u00edtit pomysln\u00e1 \u010derven\u00e1 kontrolka?<\/p>\n\n\n\n

1.<\/strong> L\u00edbiv\u00e1, ale zav\u00e1d\u011bj\u00edc\u00ed hesla<\/strong><\/h2>\n\n\n\n

Z webov\u00fdch str\u00e1nek a dal\u0161\u00edch propaga\u010dn\u00edch materi\u00e1l\u016f n\u011bkter\u00fdch nebankovn\u00edch spole\u010dnost\u00ed a poskytovatel\u016f mikrop\u016fj\u010dek se m\u016f\u017ee zd\u00e1t, \u017ee mezi klientem a p\u016fj\u010dkou stoj\u00ed prakticky jen jedin\u00fd podpis. Jejich str\u00e1nky se hem\u017e\u00ed hesly, kter\u00e1 obvykle do vyhled\u00e1va\u010d\u016f zad\u00e1vaj\u00ed osoby ve finan\u010dn\u00ed t\u00edsni. A slibuj\u00ed, \u017ee \u00fav\u011br u nich dostane prakticky ka\u017ed\u00fd, tedy i lid\u00e9 zadlu\u017een\u00ed nebo v exekuci<\/strong>, kte\u0159\u00ed vytloukaj\u00ed p\u016fj\u010dku p\u016fj\u010dkou, a t\u00edm je\u0161t\u011b prohlubuj\u00ed sv\u00e9 finan\u010dn\u00ed probl\u00e9my. \u017de by v\u00e1m p\u016fj\u010dka ihned na ruku vytrhla trn z paty? Pokud se nechcete dostat do dluhov\u00e9ho koloto\u010de, rad\u0161i na ni zapome\u0148te a zkuste prozkoumat, jestli nenajdete bezpe\u010dn\u011bj\u0161\u00ed zp\u016fsob, jak stabilizovat rodinn\u00fd rozpo\u010det<\/a>.<\/p>\n\n\n

TIP!<\/div>
\u010cek\u00e1te na v\u00fdplatu jako na smilov\u00e1n\u00ed, ale nechcete se zadlu\u017eit? Vyzkou\u0161ejte n\u00e1kup s odlo\u017eenou platbou<\/a><\/b> a pla\u0165te zdarma a\u017e 30 dn\u00ed od doru\u010den\u00ed zbo\u017e\u00ed.<\/div><\/div>\n\n\n\n

2.<\/strong> Nepr\u016fhledn\u00e1 struktura firmy<\/strong><\/h2>\n\n\n\n

Cht\u011bli jste se o n\u011bkter\u00e9m z poskytovatel\u016f p\u016fj\u010dek dozv\u011bd\u011bt v\u00edce, ale na jeho webov\u00fdch str\u00e1nk\u00e1ch jste v podstat\u011b nic nezjistili a ani jinde se v\u00e1m neda\u0159\u00ed dohledat relevantn\u00ed informace? Pak se ur\u010dit\u011b poohl\u00e9dn\u011bte jinde. P\u0159i p\u016fj\u010dov\u00e1n\u00ed pen\u011bz hraje d\u016fle\u017eitou roli d\u016fv\u011bra<\/strong>, a pokud dan\u00e1 firma s ve\u0159ejnost\u00ed nechce sd\u00edlet bli\u017e\u0161\u00ed informace o sv\u00e9m podnik\u00e1n\u00ed nebo slu\u017eb\u00e1ch, ale po sv\u00fdch klientech citliv\u00e9 \u00fadaje naopak vy\u017eaduje, pak pravd\u011bpodobn\u011b p\u0159\u00edli\u0161 d\u016fv\u011bryhodn\u00e1 nebude.<\/p>\n\n\n\n


U poskytovatele p\u016fj\u010dky se vyplat\u00ed zkontrolovat i z\u00e1kladn\u00ed identifika\u010dn\u00ed \u00fadaje a ov\u011b\u0159it si, jestli m\u00e1 opr\u00e1vn\u011bn\u00ed sv\u00e9 slu\u017eby nab\u00edzet. Pomoci m\u016f\u017eou ve\u0159ejn\u011b dostupn\u00e9 seznamy regulovan\u00fdch a registrovan\u00fdch subjekt\u016f finan\u010dn\u00edho trhu. Spole\u010dnost, kter\u00e1 ml\u017e\u00ed a odm\u00edt\u00e1 vylo\u017eit karty na st\u016fl, asi bude m\u00edt k tajn\u016fstk\u00e1\u0159stv\u00ed sv\u00e9 d\u016fvody.<\/p>\n\n\n

\n
\"Jak
Zkuste m\u00edsto p\u016fj\u010dky nekompromisn\u011b sesekat zbyte\u010dn\u00e9 v\u00fddaje.<\/figcaption><\/figure>\n<\/div>\n\n\n

3.<\/strong> T\u00fddenn\u00ed spl\u00e1tky<\/strong><\/h2>\n\n\n\n

Standardn\u011b se p\u016fj\u010dka spl\u00e1c\u00ed pravidelnou spl\u00e1tkou ka\u017ed\u00fd m\u011bs\u00edc. Platit m\u016f\u017eete prost\u0159ednictv\u00edm trval\u00e9ho p\u0159\u00edkazu, co\u017e je nejjednodu\u0161\u0161\u00ed zp\u016fsob, jak na spl\u00e1tku nezapomenout, nebo prost\u0159ednictv\u00edm dal\u0161\u00edch online plateb. N\u011bkter\u00e9 spole\u010dnosti ale vy\u017eaduj\u00ed t\u00fddenn\u00ed spl\u00e1tky<\/strong>, kter\u00e9 si po stokorun\u00e1ch p\u0159\u00edmo u klient\u016f doma nebo na jin\u00e9m smluven\u00e9m m\u00edst\u011b vyzvedne jejich obchodn\u00ed z\u00e1stupce. A\u010dkoliv takov\u00fd postup nen\u00ed nez\u00e1konn\u00fd, sna\u017ete se t\u011bmto firm\u00e1m vyhnout, proto\u017ee zpravidla c\u00edl\u00ed na nemajetn\u00e9 dlu\u017en\u00edky, u kter\u00fdch hroz\u00ed, \u017ee se jim nepoda\u0159\u00ed b\u011bhem m\u011bs\u00edce nast\u0159\u00e1dat v\u011bt\u0161\u00ed finan\u010dn\u00ed obnos. Ti se pak dost\u00e1vaj\u00ed do dluhov\u00e9 spir\u00e1ly, ze kter\u00e9 \u010dasto nevede cesta ven.<\/p>\n\n\n

TIP!<\/div>
Pot\u0159ebujete pen\u00edze nav\u00edc? Spo\u010d\u00edtejte si, na kolik v\u00e1s Skip Pay p\u016fj\u010dka vyjde<\/a><\/b>.<\/div><\/div>\n\n\n\n

4. Neosobn\u00ed p\u0159\u00edstup a tlak na rychl\u00e9 rozhodnut\u00ed<\/strong><\/h2>\n\n\n\n

Online sjedn\u00e1n\u00ed p\u016fj\u010dky do p\u00e1r minut je dnes zcela b\u011b\u017en\u00e9. Ne\u017e ale kliknete na magick\u00e9 tla\u010d\u00edtko zaru\u010duj\u00edc\u00ed okam\u017eit\u00fd p\u0159\u00edsun pen\u011bz na \u00fa\u010det, p\u0159e\u010dt\u011bte si pe\u010dliv\u011b p\u0159edsmluvn\u00ed informace, a\u0165 nejste v budoucnu nep\u0159\u00edjemn\u011b zasko\u010deni. Rad\u011bji se tak\u00e9 vyhn\u011bte spole\u010dnostem, kter\u00e9 nab\u00edzej\u00ed sms p\u016fj\u010dky<\/strong> nebo finsk\u00e9 p\u016fj\u010dky<\/strong>. Ty sice l\u00e1kaj\u00ed na rychl\u00e9 schv\u00e1len\u00ed, ale zaplat\u00edte za n\u011bj p\u0159est\u0159elen\u00e9 poplatky. <\/p>\n\n\n\n

5. Astronomick\u00e1 v\u00fd\u0161e \u00farok\u016f a RPSN<\/strong><\/h2>\n\n\n\n

Dan\u00ed za to, \u017ee n\u011bkter\u00e9 spole\u010dnosti p\u016fj\u010d\u00ed i lidem, kte\u0159\u00ed v bance neusp\u011bli, jsou v\u00fdrazn\u011b vy\u0161\u0161\u00ed \u00faroky a p\u0159edev\u0161\u00edm RPSN <\/strong>(Ro\u010dn\u00ed Procentn\u00ed Sazba N\u00e1klad\u016f), tedy \u00fadaj ud\u00e1vaj\u00edc\u00ed pr\u016fm\u011brn\u00e9 n\u00e1klady na dan\u00fd \u00fav\u011br se zapo\u010dten\u00edm v\u0161ech poplatk\u016f. RPSN se u t\u011bchto p\u016fj\u010dek (obvykle ve v\u00fd\u0161i do 30 tis\u00edc korun) pohybuje v \u0159\u00e1du stovek a\u017e tis\u00edc\u016f procent<\/strong>(!). <\/p>\n\n\n\n

Abyste z\u00edskali p\u0159ehled o tom, jak se tyto sazby pohybuj\u00ed u r\u016fzn\u00fdch spole\u010dnost\u00ed, m\u016f\u017eete vyzkou\u0161et n\u011bkterou z kalkula\u010dek p\u016fj\u010dek, kter\u00e9 najdete na str\u00e1nk\u00e1ch finan\u010dn\u00edch srovn\u00e1va\u010d\u016f<\/strong> porovn\u00e1vaj\u00edc\u00edch bankovn\u00ed i nebankovn\u00ed poskytovatele \u00fav\u011br\u016f, a b\u011bhem chvilky tak zjist\u00edte, kter\u00fdm spole\u010dnostem byste se m\u011bli obloukem vyhnout a kdo s v\u00e1mi hraje f\u00e9r.<\/p>\n\n\n

TIP!<\/div>
P\u0159ehlednost, transparentnost a jednoduch\u00e9 sjedn\u00e1n\u00ed je u p\u016fj\u010dky z\u00e1sadn\u00ed. Skip Pay p\u016fj\u010dku<\/a> vy\u0159\u00edd\u00edte online na p\u00e1r kliknut\u00ed a je\u0161t\u011b p\u0159ed sjedn\u00e1n\u00edm vid\u00edte v\u00fd\u0161i spl\u00e1tky, \u00farok i RPSN. P\u016fj\u010dit si m\u016f\u017eete a\u017e 100 000 K\u010d a\u017e na 8 let. P\u0159ed\u010dasn\u00e9 splacen\u00ed zdarma je samoz\u0159ejmost\u00ed.<\/div><\/div>\n\n\n\n


<\/p>\n\n\n

\"A\u017e<\/a><\/figure>\n
\"A\u017e<\/a><\/figure>\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Lid\u00e9, kte\u0159\u00ed pot\u0159ebuj\u00ed finan\u010dn\u00ed injekci, mohou pro p\u016fj\u010dku vyrazit do banky nebo prozkoumat nab\u00eddku n\u011bkter\u00e9 z nebankovn\u00edch spole\u010dnost\u00ed. A pr\u00e1v\u011b na n\u011b se dnes zam\u011b\u0159\u00edme. I kdy\u017e n\u011bkte\u0159\u00ed z nebankovn\u00edch poskytovatel\u016f p\u016fj\u010dek nab\u00edzej\u00ed podm\u00ednky srovnateln\u00e9 s bankami, u jin\u00fdch naraz\u00edte na p\u0159emr\u0161t\u011bn\u00e9 \u00faroky a nev\u00fdhodn\u00e9 podm\u00ednky. Jak poznat, kter\u00fdm spole\u010dnostem byste se m\u011bli obloukem vyhnout?<\/p>\n","protected":false},"author":6,"featured_media":717,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[17,23,24],"class_list":["post-12435","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-odlozena-platba","tag-pujcka","tag-tipy-triky","entry"],"acf":[],"yoast_head":"\n5 jednoduch\u00fdch tip\u016f, jak poznat pochybnou p\u016fj\u010dku | Skip Pay<\/title>\n<meta name=\"description\" content=\"Je nebankovn\u00ed p\u016fj\u010dka s\u00e1zkou na jistotu? Sjednejte si ji jen u ov\u011b\u0159en\u00fdch poskytovatel\u016f, kte\u0159\u00ed s v\u00e1mi hraj\u00ed f\u00e9r. Jak je pozn\u00e1te? \ud83e\udd14\" \/>\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\/5-tipu-jak-poznat-pochybnou-pujcku-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 jednoduch\u00fdch tip\u016f, jak poznat pochybnou p\u016fj\u010dku | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"Je nebankovn\u00ed p\u016fj\u010dka s\u00e1zkou na jistotu? Sjednejte si ji jen u ov\u011b\u0159en\u00fdch poskytovatel\u016f, kte\u0159\u00ed s v\u00e1mi hraj\u00ed f\u00e9r. 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