{"id":807,"date":"2019-09-20T16:16:19","date_gmt":"2019-09-20T15:16:19","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=807"},"modified":"2024-05-21T15:32:24","modified_gmt":"2024-05-21T13:32:24","slug":"co-jsou-p2p-pujcky-jak-funguji","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/co-jsou-p2p-pujcky-jak-funguji\/","title":{"rendered":"Co jsou to P2P p\u016fj\u010dky a jak funguj\u00ed?"},"content":{"rendered":"\n

Zkratka P2P<\/strong> (Peer-to-Peer) p\u016fvodn\u011b poch\u00e1z\u00ed z IT prost\u0159ed\u00ed a jej\u00ed doslovn\u00fd p\u0159eklad zn\u00ed: \u201erovn\u00fd s rovn\u00fdm\u201c. To v praxi znamen\u00e1, \u017ee z\u00e1jemce o p\u016fj\u010dku ne\u017e\u00e1d\u00e1 o pen\u00edze instituci v podob\u011b banky, ale finance mu poskytnou soukrom\u00ed investo\u0159i. P2P p\u016fj\u010dky<\/a> proto spadaj\u00ed do tzv. sd\u00edlen\u00e9 ekonomiky<\/strong>, konceptu, p\u0159i n\u011bm\u017e lid\u00e9 bezplatn\u011b i za \u00faplatu poskytuj\u00ed v\u011bci nebo finance, kter\u00e9 aktu\u00e1ln\u011b nepot\u0159ebuj\u00ed, dal\u0161\u00edm lidem.<\/p>\n\n\n\n

Aby takov\u00e1 p\u016fj\u010dka<\/a> dostala konkr\u00e9tn\u00ed r\u00e1mec a pravidla, vznikly P2P platformy, kter\u00e9 propojuj\u00ed lidi, kter\u00fdm se pen\u011bz nedost\u00e1v\u00e1, s t\u011bmi, jim\u017e naopak p\u0159eb\u00fdvaj\u00ed<\/strong>. Ob\u011b skupiny si tak mohou navz\u00e1jem pomoct \u2013 \u00fasp\u011b\u0161n\u00ed \u017eadatel\u00e9 z\u00edskaj\u00ed p\u016fj\u010dku a investo\u0159i zhodnot\u00ed vlo\u017een\u00e9 prost\u0159edky prost\u0159ednictv\u00edm \u00faroku. V\u00fdnos, kter\u00fd P2P platformy investor\u016fm nab\u00edzej\u00ed, je pom\u011brn\u011b zaj\u00edmav\u00fd a p\u0159ed\u010d\u00ed \u0159adu tradi\u010dn\u00edch zp\u016fsob\u016f investov\u00e1n\u00ed, i kdy\u017e samoz\u0159ejm\u011b za cenu ur\u010dit\u00e9ho rizika.<\/p>\n\n\n

\n
\"Investice
Chcete investici se slu\u0161n\u00fdm v\u00fdnosem? Investujte do p\u016fj\u010dek.<\/figcaption><\/figure>\n<\/div>\n\n\n

Jak funguj\u00ed P2P p\u016fj\u010dky<\/strong><\/h2>\n\n\n\n

Princip \u017e\u00e1dosti o P2P p\u016fj\u010dku, refinancov\u00e1n\u00ed nebo konsolidaci je pom\u011brn\u011b jednoduch\u00fd a cel\u00fd proces zpravidla prob\u00edh\u00e1 virtu\u00e1ln\u011b. Z\u00e1jemce o \u00fav\u011br krom\u011b osobn\u00edch informac\u00ed do formul\u00e1\u0159e vypln\u00ed, jakou \u010d\u00e1stku by v ide\u00e1ln\u00edm p\u0159\u00edpad\u011b pot\u0159eboval, jak dlouho ji chce spl\u00e1cet a jak vysok\u00fd \u00farok by si p\u0159edstavoval. Svou popt\u00e1vku, kterou v n\u011bkter\u00fdch p\u0159\u00edpadech m\u016f\u017ee doprovodit osobn\u00edm p\u0159\u00edb\u011bhem<\/strong>, v n\u011bm\u017e pop\u00ed\u0161e, k \u010demu pen\u00edze pl\u00e1nuje vyu\u017e\u00edt, vyv\u011bs\u00ed na web P2P platformy a pot\u00e9 sleduje, jak se investo\u0159i na skl\u00e1daj\u00ed na jeho p\u016fj\u010dku. <\/p>\n\n\n

TIP!<\/div>
Pot\u0159ebujete finan\u010dn\u00ed injekci a chcete v\u011bd\u011bt, jak\u00e9 m\u00e1te mo\u017enosti? Pod\u00edvejte se na n\u00e1\u0161 velk\u00fd p\u0159ehled p\u016fj\u010dek.<\/a><\/b><\/div><\/div>\n\n\n\n

Abyste pen\u00edze z\u00edskali, mus\u00ed se investo\u0159i na va\u0161i p\u016fj\u010dku nejd\u0159\u00edve slo\u017eit. Obvykle to prob\u00edh\u00e1 podobnou formou jako internetov\u00e1 aukce, kdy se investo\u0159i sami rozhoduj\u00ed, komu sv\u00e9 finance p\u016fj\u010d\u00ed. Po\u017eadovanou \u010d\u00e1stku pak m\u016f\u017ee pokr\u00fdt jeden investor, nebo se na ni skl\u00e1d\u00e1 v\u00edce lid\u00ed, z\u00e1le\u017e\u00ed na pravidlech konkr\u00e9tn\u00ed P2P slu\u017eby. Jednotn\u00e1 nen\u00ed ani podoba \u201evyjedn\u00e1v\u00e1n\u00ed\u201c o v\u00fd\u0161i \u00faroku<\/strong>. N\u011bkter\u00e9 platformy umo\u017e\u0148uj\u00ed, aby se na n\u00ed dohodl potenci\u00e1ln\u00ed dlu\u017en\u00edk s v\u011b\u0159itelem, jin\u00e9 ji vypo\u010d\u00edtaj\u00ed samy na z\u00e1klad\u011b informac\u00ed, kter\u00e9 jim \u017eadatel poskytne.<\/p>\n\n\n\n

V\u0161e je o\u0161et\u0159eno ve smlouv\u011b<\/strong><\/h2>\n\n\n\n

Aby p\u016fj\u010dky mezi lidmi neprob\u00edhaly za nejasn\u00fdch podm\u00ednek a bez pravidel, mus\u00ed P2P platforma celou transakci zast\u0159e\u0161it po pr\u00e1vn\u00ed str\u00e1nce. Proto sep\u00ed\u0161e smlouvu mezi \u017eadatelem o p\u016fj\u010dku a v\u011b\u0159itelem a zajist\u00ed, aby pen\u00edze dorazily, kam maj\u00ed. Tak\u00e9 pohl\u00edd\u00e1, aby dlu\u017en\u00edk sv\u016fj z\u00e1vazek pravideln\u011b spl\u00e1cel, a pokud je v prodlen\u00ed, sna\u017e\u00ed se situaci vy\u0159e\u0161it.<\/strong> I z toho d\u016fvodu P2P platformy prov\u011b\u0159uj\u00ed bonitu \u017eadatel\u016f podobn\u00fdm zp\u016fsobem jako banky a p\u0159edstava, \u017ee p\u016fj\u010dky v t\u00e9to oblasti prob\u00edhaj\u00ed \u201cna dobr\u00e9 slovo\u201d,  jsou dost zkreslen\u00e9.<\/p>\n\n\n\n

\"P2P
Schv\u00e1len\u00ed p\u016fj\u010dky p\u0159edch\u00e1z\u00ed d\u016fkladn\u00e9 prov\u011b\u0159en\u00ed \u017eadatele.<\/figcaption><\/figure>\n\n\n\n

Pravidla pro schv\u00e1len\u00ed \u017e\u00e1dosti o p\u016fj\u010dku jsou u P2P platforem ve srovn\u00e1n\u00ed s bankovn\u00edmi domy m\u00edrn\u011b voln\u011bj\u0161\u00ed, a tak na \u00fav\u011br m\u016f\u017ee dos\u00e1hnout i ten, komu banka nep\u016fj\u010dila, ale rozhodn\u011b to neznamen\u00e1, \u017ee by ji mohl z\u00edskat ka\u017ed\u00fd<\/strong>. D\u016fvodem zam\u00edtnut\u00ed m\u016f\u017ee (a nemus\u00ed) b\u00fdt nedostate\u010dn\u00e1 v\u00fd\u0161e p\u0159\u00edjm\u016f, problematick\u00e1 finan\u010dn\u00ed historie nebo prob\u00edhaj\u00edc\u00ed exekuce. Ka\u017ed\u00e1 \u017e\u00e1dost je ale posuzov\u00e1na individu\u00e1ln\u011b a p\u0159\u00edpadn\u00e9 riziko na sebe berou i investo\u0159i. Proto p\u0159i \u017e\u00e1dosti mohou za ur\u010dit\u00fdch okolnost\u00ed usp\u011bt i lid\u00e9, kter\u00e9 by banka bez okolk\u016f odm\u00edtla.<\/p>\n\n\n

TIP!<\/div>
Nepl\u00e1novan\u00e9 n\u00e1kupy p\u0159ed v\u00fdplatou nemus\u00edte \u0159e\u0161it p\u016fj\u010dkou. Spolehn\u011bte se na odlo\u017eenou platbu.<\/a><\/b><\/div><\/div>\n\n\n\n

P\u0159ed uzav\u0159en\u00edm smlouvy je na m\u00edst\u011b srovn\u00e1n\u00ed p\u016fj\u010dek<\/a> od jednotliv\u00fdch spole\u010dnost\u00ed. To, \u017ee m\u00e1 n\u011bjak\u00e1 ze spole\u010dnost\u00ed nejv\u00edce reklam v televizi, je\u0161t\u011b neznamen\u00e1, \u017ee nab\u00edz\u00ed ty nejlep\u0161\u00ed p\u016fj\u010dky na trhu. P\u0159i v\u00fdb\u011bru P2P p\u016fj\u010dky je d\u016fle\u017eit\u00e9 se zam\u011b\u0159it na v\u00fd\u0161i \u00faroku a RPSN<\/a>. V ka\u017ed\u00e9m p\u0159\u00edpad\u011b je nutn\u00e9 zv\u00e1\u017eit, zda podm\u00ednky p\u016fj\u010dky odpov\u00eddaj\u00ed \u017eadatelov\u011b finan\u010dn\u00ed situaci a jeho schopnosti spl\u00e1cet. <\/p>\n\n\n\n

Zonky a ti dal\u0161\u00ed<\/strong><\/h2>\n\n\n\n

Propracovan\u00fd marketing dok\u00e1\u017ee divy. D\u016fkazem toho je spole\u010dnost Zonky, kter\u00e1 se pro \u010deskou laickou ve\u0159ejnost stala synonymem pro P2P p\u016fj\u010dku<\/strong>. Jak\u00e9 dal\u0161\u00ed Peer-to-Peer slu\u017eby, se kter\u00fdmi si bu\u010f vyp\u016fj\u010d\u00edte, nebo rozmno\u017e\u00edte pen\u00edze, byste m\u011bli zn\u00e1t?<\/p>\n\n\n\n

    \n
  • Bankerat<\/strong><\/li>\n<\/ul>\n\n\n\n

    Spole\u010dnost Bankerat se chlub\u00ed t\u00edm, \u017ee z\u00e1jemc\u016fm dok\u00e1\u017ee p\u016fj\u010dit i bez kontroly registr\u016f dlu\u017en\u00edk\u016f nebo dolo\u017een\u00ed p\u0159\u00edjm\u016f, a nav\u00edc i v p\u0159\u00edpad\u011b, \u017ee jsou aktu\u00e1ln\u011b v exekuci. Dan\u00ed za tuto \u201evst\u0159\u00edcnost\u201c jsou ov\u0161em vy\u0161\u0161\u00ed \u00faroky, kter\u00e9 se mohou vy\u0161plhat a\u017e ke 40 % p. a.<\/strong> Je ale nutn\u00e9 podotknout, \u017ee \u017eadatel\u00e9 o p\u016fj\u010dku tuto \u00farokovou sazbu p\u0159edem znaj\u00ed  \u2013 na t\u00e9to platform\u011b jsou to pr\u00e1v\u011b z\u00e1jemci o p\u016fj\u010dku, kte\u0159\u00ed do sv\u00e9ho profilu vypl\u0148uj\u00ed, jak\u00fd je maxim\u00e1ln\u00ed \u00farok, kter\u00fd jsou ochotn\u00ed akceptovat, a investo\u0159i tuto hranici nesm\u00ed p\u0159ekro\u010dit. A pokud je \u017eadatel o p\u016fj\u010dku z r\u016fzn\u00fdch d\u016fvod\u016f \u201erizikov\u00fd\u201c, v\u00fdhodnou p\u016fj\u010dku mu zkr\u00e1tka nikdo nenab\u00eddne.<\/p>\n\n\n\n

      \n
    • Prestito<\/strong><\/li>\n<\/ul>\n\n\n\n

      Port\u00e1l Prestito nen\u00ed v prav\u00e9m slova smyslu P2P platformou. Jde o inzertn\u00ed port\u00e1l, kter\u00fd pouze za drobn\u00fd poplatek poskytuje prostor pro inzer\u00e1ty \u017eadatel\u016f o p\u016fj\u010dku<\/strong>. Na tyto popt\u00e1vky pak mohou reagovat inzerenti s konkr\u00e9tn\u00ed nab\u00eddkou. Pokud se z\u00e1jemce o p\u016fj\u010dku s potenci\u00e1ln\u00edm v\u011b\u0159itelem dohodne, ve\u0161kerou smluvn\u00ed agendu pak \u0159e\u0161\u00ed p\u0159\u00edmo mezi sebou, nikoliv prost\u0159ednictv\u00edm Prestita.<\/p>\n\n\n\n

        \n
      • Zonky<\/strong><\/li>\n<\/ul>\n\n\n\n

        D\u00edky spr\u00e1vn\u011b zvolen\u00e9 marketingov\u00e9 strategii si v\u011bt\u0161ina \u010cech\u016f v souvislosti s P2P p\u016fj\u010dkami vybav\u00ed slogan o tom, jak si lid\u00e9 navz\u00e1jem p\u016fj\u010duj\u00ed levn\u011bji a s klidem, legra\u010dn\u00edho k\u0159\u00ed\u017eence osla se zebrou a spole\u010dnost Zonky<\/strong>. Tato platforma nejprve d\u016fkladn\u011b prov\u011b\u0159\u00ed bonitu \u017eadatele a na z\u00e1klad\u011b zji\u0161t\u011bn\u00fdch informac\u00ed ho za\u0159ad\u00ed do jedn\u00e9 z 11 skupin. Ka\u017ed\u00e1 ze skupin m\u00e1 p\u0159i\u0159azenou \u00farokovou sazbu, kter\u00e1 se pohybuje od 2,99 % a\u017e 19,99 % p. a. Z\u00e1jemce pot\u00e9 na web um\u00edst\u00ed sv\u016fj p\u0159\u00edb\u011bh a \u010dek\u00e1, a\u017e se investo\u0159i slo\u017e\u00ed na po\u017eadovanou \u010d\u00e1stku. A\u010dkoliv \u017eadatel\u00e9 na Zonky obvykle zve\u0159ej\u0148uj\u00ed, pro\u010d o pen\u00edze \u017e\u00e1daj\u00ed a jak je vyu\u017eij\u00ed, jejich identita z\u016fst\u00e1v\u00e1 skryt\u00e1 a anonymn\u00ed samoz\u0159ejm\u011b z\u016fst\u00e1vaj\u00ed i investo\u0159i.<\/p>\n\n\n\n

          \n
        • \u017dlut\u00fd meloun<\/strong><\/li>\n<\/ul>\n\n\n\n

          \u017dlut\u00fd meloun vznikl v roce 2012 a jde o \u010desko-slovensk\u00fd port\u00e1l, na kter\u00e9m si m\u016f\u017eete jak p\u016fj\u010dit, tak i investovat. Tedy alespo\u0148 na Slovensku, v \u010cesku tato P2P platforma aktu\u00e1ln\u011b pen\u00edze z legislativn\u00edch d\u016fvod\u016f p\u016fj\u010dovat nem\u016f\u017ee<\/strong>. V podobn\u00e9 situaci je i platforma Banking Online, kter\u00e1 aktu\u00e1ln\u011b pro v\u011b\u0159itele ani \u017eadatele nem\u00e1 otev\u0159en\u00e9 \u017e\u00e1dn\u00e9 aukce. \u017dlut\u00fd Meloun ale investor\u016fm z \u010ceska alespo\u0148 umo\u017e\u0148uje ulo\u017eit si finance do p\u016fj\u010dek zaji\u0161t\u011bn\u00fdch nemovitostmi a z\u00edskat tak v\u00fdnos a\u017e 8,7 %. <\/p>\n","protected":false},"excerpt":{"rendered":"

          Pokud pot\u0159ebujete \u00fav\u011br, m\u016f\u017eete se vydat do banky, nebankovn\u00ed spole\u010dnosti nebo se obr\u00e1tit na bl\u00edzk\u00e9. Zkusit \u0161t\u011bst\u00ed ale m\u016f\u017eete tak\u00e9 s P2P p\u016fj\u010dkou, na kterou se v\u00e1m slo\u017e\u00ed konkr\u00e9tn\u00ed lid\u00e9 \u2013 investo\u0159i, kte\u0159\u00ed prost\u0159ednictv\u00edm P2P platformy zhodnocuj\u00ed sv\u00e9 \u00faspory. Je v\u0161echno kolem P2P p\u016fj\u010dek tak idylick\u00e9, jako to vypad\u00e1 v reklam\u00e1ch, nebo maj\u00ed \u00faskal\u00ed, o kter\u00fdch se vyplat\u00ed v\u011bd\u011bt?<\/p>\n","protected":false},"author":6,"featured_media":805,"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],"class_list":["post-807","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-odlozena-platba","tag-pujcka","entry"],"acf":[],"yoast_head":"\nCo jsou to Peer-to-Peer p\u016fj\u010dky (P2P) a jak funguj\u00ed? | Skip Pay<\/title>\n<meta name=\"description\" content=\"P2P p\u016fj\u010dky jsou p\u016fj\u010dky mezi lidmi .\ud83d\udcb0 Obvykle maj\u00ed ni\u017e\u0161\u00ed \u00farok ne\u017e p\u016fj\u010dky v bance. Jak\u00e9 jsou jejich (ne)v\u00fdhody?\" \/>\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\/co-jsou-p2p-pujcky-jak-funguji\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Co jsou to Peer-to-Peer p\u016fj\u010dky (P2P) a jak funguj\u00ed? | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"P2P p\u016fj\u010dky jsou p\u016fj\u010dky mezi lidmi .\ud83d\udcb0 Obvykle maj\u00ed ni\u017e\u0161\u00ed \u00farok ne\u017e p\u016fj\u010dky v bance. 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