[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lus3.cz\/bankovni-ci-nebankovni\/#Article","mainEntityOfPage":"https:\/\/www.lus3.cz\/bankovni-ci-nebankovni\/","headline":"Bankovn\u00ed \u010di nebankovn\u00ed?","name":"Bankovn\u00ed \u010di nebankovn\u00ed?","description":"Jist\u011b se domn\u00edv\u00e1te, \u017ee je to tot\u00e9\u017e. Nu, ve sv\u00e9 podstat\u011b m\u00e1te pravdu. Je tu n\u011bkdo, kdo p\u016fj\u010d\u00ed a tomu se pak spl\u00e1c\u00ed pravideln\u00e9 m\u011bs\u00ed\u010dn\u00ed … ","datePublished":"2024-01-16","dateModified":"2024-02-19","author":{"@type":"Person","@id":"https:\/\/www.lus3.cz\/author\/#Person","name":"","url":"https:\/\/www.lus3.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/831abbcc684823965c5caa39ae4561083127c8aedfe9e524c6cecc176998c733?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/831abbcc684823965c5caa39ae4561083127c8aedfe9e524c6cecc176998c733?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lus3.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lus3.cz\/wp-content\/uploads\/house-for-sale-4503756_640.jpg","url":"https:\/\/www.lus3.cz\/wp-content\/uploads\/house-for-sale-4503756_640.jpg","height":0,"width":0},"url":"https:\/\/www.lus3.cz\/bankovni-ci-nebankovni\/","about":["Finance"],"wordCount":434,"articleBody":"   Jist\u011b se domn\u00edv\u00e1te, \u017ee je to tot\u00e9\u017e. Nu, ve sv\u00e9 podstat\u011b m\u00e1te pravdu. Je tu n\u011bkdo, kdo p\u016fj\u010d\u00ed a tomu se pak spl\u00e1c\u00ed pravideln\u00e9 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. To by m\u011bl b\u00fdt fin\u00e1ln\u00ed v\u00fdsledek bez rozd\u00edlu. Ale nen\u00ed tomu tak zcela p\u0159esn\u011b. Vlastn\u011b se to li\u0161\u00ed jen v tom, kdo p\u016fj\u010duje. Bankovn\u00ed p\u016fj\u010dku v\u00e1m d\u00e1 jedin\u011b banka, proto\u017ee ta m\u00e1 licenci od \u010cNB, tedy \u010cesk\u00e9 n\u00e1rodn\u00ed banky. Ti ostatn\u00ed ji sice maj\u00ed tak\u00e9, ale zase na jen na spot\u0159ebitelsk\u00fd \u00fav\u011br. \u017de je to vlastn\u011b jen hra se slov\u00ed\u010dky ji\u017e nikdo ne\u0159e\u0161\u00ed. \u010cNB m\u00e1 z toho spousty pen\u011bz a zbytek ji nezaj\u00edm\u00e1. Nebankovn\u00ed p\u016fj\u010dka m\u00e1 velk\u00e9 v\u00fdhody skoro ve v\u0161em. Tam kde v\u00e1s banka vyhod\u00ed z d\u016fvodu t\u0159eba n\u00edzk\u00e9ho p\u0159\u00edjmu, v nebankovn\u00edm sektoru tento \u00fadaj nen\u00ed zase tak d\u016fle\u017eit\u00fd. Tak\u017ee tam pen\u00edze dostanete. Nev\u00fdhodou je to, \u017ee m\u016f\u017eete zaplatit o n\u011bco v\u00edce ne\u017e v bance. Ale pokud k tomu p\u0159ipo\u010d\u00edt\u00e1te u\u0161et\u0159en\u00fd \u010das a nervy, tak se to jist\u011b rozhodn\u011b vyplat\u00ed. Nebankovn\u00ed americk\u00e1 hypot\u00e9ka je vlastn\u011b tot\u00e9\u017e, jen s jin\u00fdmi podm\u00ednkami. Ono se nen\u00ed co divit, proto\u017ee se jinak p\u016fj\u010duje dv\u011b st\u011b tis\u00edc korun a jinak t\u0159i miliony. V ka\u017ed\u00e9m p\u0159\u00edpad\u011b je zde vy\u0161\u0161\u00ed pravd\u011bpodobnost, \u017ee hypot\u00e9ku dostanete. Banky jsou zn\u00e1m\u00e9 sv\u00fdmi p\u0159\u00edsn\u00fdmi podm\u00ednkami. Pot\u0159ebuj\u00ed dolo\u017eit kde co. Hlavn\u011b tedy p\u0159\u00edjmy a mus\u00edte jim tak\u00e9 sd\u011blit v\u0161echny v\u00fddaje, to jest kolik plat\u00edte za telefon, kolik za elekt\u0159inu, v p\u0159\u00edpad\u011b d\u011bt\u00ed \u0161koln\u00e9 nebo \u0161kolkovn\u00e9, prost\u011b v\u0161echny v\u00fddaje.Chytr\u00e1ci, kte\u0159\u00ed n\u011bco \u201ezapomn\u011bli\u201c nahl\u00e1sit ned\u011blaj\u00ed dob\u0159e. Ale zase na druh\u00e9 stran\u011b jsou dnes v\u011bzen\u00ed vyt\u00e1p\u011bn\u00e1 a vcelku tam zase tak \u0161patn\u011b nen\u00ed. V nebankovn\u00edm sektoru se s n\u011bjak\u00fdmi potvrzen\u00edmi zase tolik nema\u017eou a v\u011bt\u0161inou je necht\u011bj\u00ed v\u016fbec. Tam, kam se pod\u00edv\u00e1te tedy ur\u010dit\u011b ne. A pod\u00edv\u00e1te se tam tak, \u017ee kliknete na odkaz, kter\u00fd je zde o n\u011bco v\u00fd\u0161e. T\u00edm se mo\u017en\u00e1 za\u010dne v\u00e1\u0161 nov\u00fd \u017eivot i kdy\u017e v\u00e1s ji\u017e z banky vyprovodili. Tak\u017ee neh\u00e1zejte flintu do \u017eita a klidn\u011b si to tam vyzkou\u0161ejte.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bankovn\u00ed \u010di nebankovn\u00ed?","item":"https:\/\/www.lus3.cz\/bankovni-ci-nebankovni\/#breadcrumbitem"}]}]