{"id":1519,"date":"2020-04-07T16:24:31","date_gmt":"2020-04-07T15:24:31","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=1519"},"modified":"2025-10-30T12:20:57","modified_gmt":"2025-10-30T11:20:57","slug":"pujcka-jak-nenaletet-nebankovnim-spolecnostem","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/pujcka-jak-nenaletet-nebankovnim-spolecnostem\/","title":{"rendered":"Pot\u0159ebujete p\u016fj\u010dku? 5 tip\u016f, jak nenalet\u011bt trik\u016fm nebankovn\u00edch spole\u010dnost\u00ed"},"content":{"rendered":"\n

Ud\u00e1losti posledn\u00edch dn\u016f uvrhly statis\u00edce \u010cech\u016f do nejistoty<\/strong>. V\u011bt\u0161ina obchod\u016f a restaurac\u00ed je zav\u0159en\u00e1, sv\u00e9 provozovny museli do\u010dasn\u011b uzav\u0159\u00edt tak\u00e9 poskytovatel\u00e9 nejr\u016fzn\u011bj\u0161\u00edch slu\u017eeb, kulturn\u00ed akce se ru\u0161\u00ed a \u017eivnostn\u00edci se nedobrovoln\u011b lou\u010d\u00ed se sv\u00fdmi klienty. I kdy\u017e zat\u00edm nikdo nev\u00ed, jak dlouho budou st\u00e1vaj\u00edc\u00ed opat\u0159en\u00ed trvat, \u0159ada lid\u00ed u\u017e te\u010f po\u010d\u00edt\u00e1 ztr\u00e1ty.<\/p>\n\n\n\n

Zapn\u011bte nouzov\u00fd re\u017eim<\/strong><\/h2>\n\n\n\n

Ka\u017ed\u00fd z n\u00e1s m\u00e1 n\u011bjak\u00fd \u017eivotn\u00ed standard, ze kter\u00e9ho nikdy nen\u00ed p\u0159\u00edjemn\u00e9 slevovat. Ale ve chv\u00edli, kdy se \u00faspory za\u010d\u00ednaj\u00ed ten\u010dit, p\u0159ich\u00e1z\u00ed \u010das na do\u010dasn\u00e9 p\u0159ehodnocen\u00ed priorit<\/strong>. Proto si zkuste sepsat sv\u00e9 v\u00fddaje<\/a> a nekompromisn\u011b vy\u0161krtat ty polo\u017eky, bez kter\u00fdch se obejdete. Ne\u017e bude jasn\u00e9, jak\u00fdm sm\u011brem se situace vyvine, odlo\u017ete ve\u0161ker\u00e9 n\u00e1kupy a platby, kter\u00e9 nejsou nutn\u00e9. Pen\u00edze by v\u00e1m pozd\u011bji mohly chyb\u011bt.<\/p>\n\n\n\n

TIP!<\/div>
Pot\u0159ebujete sesekat v\u00fddaje? M\u00e1me pro v\u00e1s jednoduch\u00fd n\u00e1vod, jak bezbolestn\u011b u\u0161et\u0159it<\/a>.<\/em><\/div><\/div>\n\n\n\n

Pokud m\u00e1te na\u0161et\u0159en\u00fd finan\u010dn\u00ed pol\u0161t\u00e1\u0159 na hor\u0161\u00ed \u010dasy, te\u010f je ta prav\u00e1 chv\u00edle do n\u011bj s\u00e1hnout \u2013 a popl\u00e1cat se po z\u00e1dech, \u017ee jste mysleli na zadn\u00ed vr\u00e1tka. Probl\u00e9m ale je, \u017ee \u0159ada lid\u00ed podobnou \u017eeleznou z\u00e1sobu na hor\u0161\u00ed \u010dasy jednodu\u0161e nem\u00e1<\/strong>. A v takov\u00e9m p\u0159\u00edpad\u011b p\u0159ijde na \u0159adu finan\u010dn\u00ed injekce v podob\u011b p\u016fj\u010dky<\/a>.  <\/p>\n\n\n\n

Ve v\u011bt\u0161in\u011b bank spodn\u00ed limit p\u016fj\u010dky startuje na desetitis\u00edcov\u00fdch \u010d\u00e1stk\u00e1ch. A proto ten, kdo si pot\u0159ebuje vyp\u016fj\u010dit jen \u201ep\u00e1r tis\u00edcovek\u201c na p\u0159eklenut\u00ed n\u00e1ro\u010dn\u00e9ho obdob\u00ed, m\u00edsto bankovn\u00edho \u00fav\u011bru zvol\u00ed ten nebankovn\u00ed<\/strong>. Na tom nen\u00ed v z\u00e1sad\u011b nic \u0161patn\u00e9ho, je v\u0161ak d\u016fle\u017eit\u00e9 db\u00e1t na to, aby byla p\u016fj\u010dka f\u00e9r<\/a> a skute\u010dn\u011b dlu\u017en\u00edkovi pomohla, nikoli u\u0161kodila. Na co si d\u00e1t pozor?<\/p>\n\n\n\n

1. Prozkoumejte trh s p\u016fj\u010dkami a srovn\u00e1vejte nab\u00eddky<\/strong><\/h2>\n\n\n\n

Mezi klasick\u00e9 za\u010d\u00e1te\u010dnick\u00e9 chyby pat\u0159\u00ed sko\u010dit po prvn\u00ed nab\u00eddce, na kterou naraz\u00edte. I mal\u00e9 p\u016fj\u010dce by m\u011bla p\u0159edch\u00e1zet d\u016fkladn\u00e1 re\u0161er\u0161e trhu a <\/strong>porovn\u00e1n\u00ed p\u016fj\u010dek<\/strong><\/a>, abyste jednotliv\u00e9 nab\u00eddky mohli srovnat a ud\u011blat si obr\u00e1zek o tom, jak\u00e9 podm\u00ednky nab\u00edz\u00ed jednotliv\u00ed poskytovatel\u00e9. Hodit se v\u00e1m budou tak\u00e9 recenze nebankovn\u00edch p\u016fj\u010dek<\/a>, kter\u00fdch na internetu najdete spoustu, sta\u010d\u00ed jen trochu zagooglovat.<\/p>\n\n\n

\n
\"\u017dena
Najd\u011bte si dostatek \u010dasu na d\u016fkladn\u00e9 hled\u00e1n\u00ed a sezn\u00e1men\u00ed se s podm\u00ednkami.<\/figcaption><\/figure>\n<\/div>\n\n\n

Projd\u011bte si tak\u00e9 Index odpov\u011bdn\u00e9ho \u00fav\u011brov\u00e1n\u00ed<\/a>, \u017eeb\u0159\u00ed\u010dek v\u00edce i m\u00e9n\u011b f\u00e9rov\u00fdch poskytovatel\u016f \u00fav\u011br\u016f<\/strong>, kter\u00fd pravideln\u011b sestavuje organizace \u010clov\u011bk v t\u00edsni. <\/p>\n\n\n\n

2. Nenechte se zm\u00e1st marketingem<\/strong><\/h2>\n\n\n\n

Z reklam a web\u016f \u00fav\u011brov\u00fdch spole\u010dnost\u00ed se na v\u00e1s budou usm\u00edvat spokojen\u00ed lid\u00e9, kte\u0159\u00ed si d\u00edky \u00fav\u011bru mohli kone\u010dn\u011b splnit sv\u016fj sen. V\u0161echno se zd\u00e1 snadn\u00e9 a zalit\u00e9 sluncem. M\u00e1lokter\u00fd poskytovatel mikrop\u016fj\u010dek se bude potenci\u00e1ln\u00edm dlu\u017en\u00edk\u016fm chlubit nev\u00fdhodn\u00fdmi podm\u00ednkami<\/strong> nebo p\u0159\u00edsn\u00fdmi sankcemi v p\u0159\u00edpad\u011b opo\u017ed\u011bn\u00e9 spl\u00e1tky. <\/p>\n\n\n\n

Proto rad\u011bji zap\u00e1trejte a pod\u00edvejte se modelov\u00fdch p\u0159\u00edkladech, jejich\u017e sou\u010d\u00e1st\u00ed mus\u00ed ze z\u00e1kona b\u00fdt i celkov\u00e1 \u010d\u00e1stka, kterou splat\u00edte<\/strong>. Ve chv\u00edli, kdy zjist\u00edte, \u017ee z vyp\u016fj\u010den\u00fdch 10 000 korun se b\u011bhem p\u00e1r m\u011bs\u00edc\u016f nen\u00e1padn\u011b stane 15 000 korun, na \u00fav\u011br rovnou zapome\u0148te.<\/p>\n\n\n\n

TIP!<\/div>
Nebankovn\u00ed spole\u010dnosti r\u00e1dy nab\u00edzej\u00ed kr\u00e1tkodob\u00e9 \u00fav\u011bry \u201ezdarma\u201c. Ale zpravidla jen pro nov\u00e9 klienty. Poprv\u00e9 to m\u016f\u017ee klapnout, ale podruh\u00e9 v\u00e1s mohou zasko\u010dit vysok\u00e9 \u00faroky nebo p\u0159emr\u0161t\u011bn\u00e9 poplatky za odlo\u017een\u00ed splatnosti.<\/div><\/div>\n\n\n\n

3. Nep\u016fj\u010dujte si v\u00edc, ne\u017e je nutn\u00e9<\/strong><\/h2>\n\n\n\n

Pokud jste si spo\u010d\u00edtali, \u017ee byste na pokryt\u00ed nezbytn\u00fdch n\u00e1klad\u016f pot\u0159ebovali nap\u0159\u00edklad 10 000 korun, tak se t\u00e9to \u010d\u00e1stky sna\u017ete dr\u017eet. I kdy\u017e je l\u00e1kav\u00e9 si vyp\u016fj\u010dit o p\u00e1r tis\u00edcovek v\u00edc, a mo\u017en\u00e1 v\u00e1s k tomu bude vyb\u00edzet i samotn\u00fd poskytovatel, nenechte se zviklat<\/strong>. <\/p>\n\n\n\n

Zbyte\u010dn\u011b byste tak nav\u00fd\u0161ili spl\u00e1tku, kter\u00e1 bude ukrajovat z va\u0161eho rozpo\u010dtu. Pr\u00e1v\u011b pocit, \u017ee p\u00e1r tis\u00edc nav\u00edc nikoho nezruinuje, dovedl \u0159adu lid\u00ed do finan\u010dn\u00edch pot\u00ed\u017e\u00ed<\/strong>. Proto si v\u00fd\u0161i p\u016fj\u010dky zkr\u00e1tka stanovte tak, aby pokryla nutn\u00e9 v\u00fddaje, kter\u00e9 v\u00e1s \u010dekaj\u00ed. A jestli\u017ee si p\u016fj\u010dujete na konkr\u00e9tn\u00ed v\u011bc, myslete na to, \u017ee by v\u00e1m m\u011bla slou\u017eit del\u0161\u00ed dobu, ne\u017e ji budete spl\u00e1cet. Br\u00e1t si \u00fav\u011br jen proto, abyste mohli utr\u00e1cet, je nejen nezodpov\u011bdn\u00e9, ale i nebezpe\u010dn\u00e9. Stejn\u011b jako p\u016fj\u010dovat si na z\u00e1\u017eitky, dovolenou nebo d\u00e1rky. <\/p>\n\n\n\n

Do kalkulac\u00ed, kter\u00e9 p\u0159edch\u00e1zej\u00ed p\u016fj\u010dce, nezapome\u0148te zahrnout tak\u00e9 hypotetickou situaci, \u017ee v\u00e1m nenad\u00e1le vypadne n\u011bkter\u00fd ze zdroj\u016f p\u0159\u00edjmu<\/strong>. Zvl\u00e1dnete sv\u00e9 z\u00e1vazky spl\u00e1cet i tak? Pokud p\u0159i odpov\u011bdi v\u00e1h\u00e1te, pak asi \u00fav\u011br nebude ten nejlep\u0161\u00ed n\u00e1pad.<\/p>\n\n\n\n

TIP!<\/div>
Nebankovn\u00ed p\u016fj\u010dka<\/a> se m\u016f\u017ee nep\u0159\u00edjemn\u011b prodra\u017eit. Zjist\u011bte, jak p\u0159i v\u00fdb\u011bru nes\u00e1hnout vedle<\/a>.<\/div><\/div>\n\n\n\n

4. Nenad\u00e1l\u00e9 v\u00fddaje vy\u0159e\u0161\u00edte i bez \u00fav\u011bru<\/strong><\/h2>\n\n\n\n

Jestli\u017ee v\u00e1s ve chv\u00edli, kdy se to ani trochu nehod\u00ed, zasko\u010dily ne\u010dekan\u00e9 v\u00fddaje, nen\u00ed \u00fav\u011br jedinou mo\u017enost\u00ed, jak z prek\u00e9rn\u00ed situace ven<\/strong>. Vyu\u017e\u00edt m\u016f\u017eete tak\u00e9 odlo\u017eenou platbu<\/a>, d\u00edky kter\u00e9 nakoup\u00edte hned a za n\u00e1kup zaplat\u00edte kdykoliv b\u011bhem n\u00e1sleduj\u00edc\u00edch 30 dn\u016f. Tato platebn\u00ed metoda v\u00e1m m\u016f\u017ee pomoci t\u0159eba ve chv\u00edli, kdy \u010dek\u00e1te na v\u00fdplatu, ale je\u0161t\u011b ji nem\u00e1te na \u00fa\u010dtu.<\/p>\n\n\n\n

V\u00fdhodou odlo\u017een\u00e9 platby je, \u017ee za jej\u00ed vyu\u017eit\u00ed nezaplat\u00edte ani korunu<\/strong> \u2013 na rozd\u00edl od p\u016fj\u010dky se s n\u00ed nepoj\u00ed \u017e\u00e1dn\u00e9 \u00faroky ani jin\u00e9 poplatky. Vyu\u017e\u00edt ji m\u016f\u017eete ve vybran\u00fdch partnersk\u00fdch e-shopech na n\u00e1kupy do v\u00fd\u0161e a\u017e 10 000 korun. Nav\u00edc v\u010das dostanete upozorn\u011bn\u00ed, \u017ee se bl\u00ed\u017e\u00ed datum, kdy je zbo\u017e\u00ed t\u0159eba uhradit, a tak se jen tak nestane, \u017ee byste zapomn\u011bli.<\/p>\n\n\n\n

\"\"
P\u016fj\u010dujte si jen na v\u011bci, kter\u00e9 skute\u010dn\u011b pot\u0159ebujete.<\/figcaption><\/figure>\n\n\n\n

5. Podm\u00ednky \u010dt\u011bte rad\u0161i dvakr\u00e1t ne\u017e v\u016fbec<\/strong><\/h2>\n\n\n\n

Mikrop\u016fj\u010dku<\/a> si m\u016f\u017eete sjednat online, a to doslova b\u011bhem p\u00e1r minut<\/strong>, pot\u0159ebovat k tomu budete jen doklad toto\u017enosti, mobiln\u00ed telefon a \u00fa\u010det veden\u00fd na va\u0161e jm\u00e9no v n\u011bkter\u00e9 z \u010desk\u00fdch bank. V\u0161echno se m\u016f\u017ee zd\u00e1t idylick\u00e9 a snadn\u00e9, dokud \u017eadatel\u00e9 s odstupem nezjist\u00ed, \u017ee se upsali k nev\u00fdhodn\u00e9mu \u00fav\u011bru.<\/p>\n\n\n\n

Ne\u017e cokoliv potvrd\u00edte, d\u016fkladn\u011b si prostudujte ve\u0161ker\u00e9 podm\u00ednky, kter\u00e9 se k p\u016fj\u010dce vztahuj\u00ed. A pokud v\u00e1m cokoliv nen\u00ed jasn\u00e9, obra\u0165te se na poskytovatele \u00fav\u011bru. Pokud v\u00e1m nebude schopn\u00fd na v\u00e1\u0161 dotaz smyslupln\u011b odpov\u011bd\u011bt nebo bude kli\u010dkovat<\/strong>, berte to jako znamen\u00ed, \u017ee byste se m\u011bli porozhl\u00e9dnout po spole\u010dnosti, kter\u00e1 v\u00e1m nab\u00eddne transparentn\u011bj\u0161\u00ed jedn\u00e1n\u00ed.<\/p>\n\n\n\n

Podtr\u017eeno, se\u010dteno: pokud nem\u00e1te jinou mo\u017enost, m\u016f\u017ee v\u00e1m kr\u00e1tkodob\u00e1 online p\u016fj\u010dka<\/a> pomoci z finan\u010dn\u00edch pot\u00ed\u017e\u00ed. Nikdy si ale nep\u016fj\u010dujte v\u00edc, ne\u017e opravdu pot\u0159ebujete<\/strong>, dob\u0159e vyb\u00edrejte, u jak\u00e9 spole\u010dnosti o \u00fav\u011br po\u017e\u00e1d\u00e1te, a term\u00edn spl\u00e1tky si rad\u011bji pojist\u011bte trval\u00fdm p\u0159\u00edkazem, abyste se vyhnuli pokut\u00e1m za nespl\u00e1cen\u00ed. Jedin\u011b tak v\u00e1s p\u016fj\u010dka nedostane do probl\u00e9m\u016f.<\/p>\n\n\n\n

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

Situace, kter\u00e1 v \u010cesku aktu\u00e1ln\u011b panuje, m\u016f\u017ee mnoha lidem zp\u016fsobit v\u00fdpadek p\u0159\u00edjm\u016f. A tak lze o\u010dek\u00e1vat, \u017ee p\u0159ibude t\u011bch, kte\u0159\u00ed s\u00e1hnou po \u00fav\u011bru. Pat\u0159\u00edte mezi n\u011b i vy? Budete-li p\u0159i v\u00fdb\u011bru obez\u0159etn\u00ed, mohou v\u00e1m vyp\u016fj\u010den\u00e9 prost\u0159edky pomoci. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b se ale m\u016f\u017eete dostat do dluhov\u00e9 spir\u00e1ly, a to paradoxn\u011b i v p\u0159\u00edpad\u011b, kdy s\u00e1hnete po \u201emal\u00e9\u201c p\u016fj\u010dce od nebankovn\u00ed spole\u010dnosti.<\/p>\n","protected":false},"author":6,"featured_media":1544,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[23,24],"class_list":["post-1519","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-pujcka","tag-tipy-triky","entry"],"acf":[],"yoast_head":"\nPot\u0159ebujete p\u016fj\u010dku? Pozor na triky n\u011bkter\u00fdch spole\u010dnost\u00ed | Skip Pay<\/title>\n<meta name=\"description\" content=\"Vypadly v\u00e1m p\u0159\u00edjmy a pot\u0159ebujete ihned nebankovn\u00ed p\u016fj\u010dku? Sepsali jsme 5 tip\u016f, na co si d\u00e1t p\u0159i v\u00fdb\u011br\u016f \u00fav\u011bru pozor a jak v\u0161e zvl\u00e1dnout.\" \/>\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\/pujcka-jak-nenaletet-nebankovnim-spolecnostem\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pot\u0159ebujete p\u016fj\u010dku? Pozor na triky n\u011bkter\u00fdch spole\u010dnost\u00ed | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"Vypadly v\u00e1m p\u0159\u00edjmy a pot\u0159ebujete ihned nebankovn\u00ed p\u016fj\u010dku? 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