[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.spink.cz\/pujcky-pri-exekuci\/#Article","mainEntityOfPage":"https:\/\/www.spink.cz\/pujcky-pri-exekuci\/","headline":"P\u016fj\u010dky p\u0159i exekuci","name":"P\u016fj\u010dky p\u0159i exekuci","description":"I pokud V\u00e1s postihla nemil\u00e1 v\u011bc v podob\u011b exekuce, m\u016f\u017eete si za\u017e\u00e1dat o nebankovn\u00ed p\u016fj\u010dku. Poj\u010fme se pod\u00edvat na v\u00edce informac\u00ed, jak takovou p\u016fj\u010dku vy\u0159\u00eddit. N\u011bkdy se m\u016f\u017ee v \u017eivot\u011b ka\u017ed\u00e9ho jedince st\u00e1t, \u017ee se dostane […]","datePublished":"2021-12-23","dateModified":"2021-12-23","author":{"@type":"Person","@id":"https:\/\/www.spink.cz\/author\/#Person","name":"","url":"https:\/\/www.spink.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c4e504508c75b610a351629e223ddd0c5b7858df84b2b7deedc4e007bdf99fc8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c4e504508c75b610a351629e223ddd0c5b7858df84b2b7deedc4e007bdf99fc8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"spink.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.spink.cz\/wp-content\/uploads\/pexels-kat-smith-568027.jpg","url":"https:\/\/www.spink.cz\/wp-content\/uploads\/pexels-kat-smith-568027.jpg","height":0,"width":0},"url":"https:\/\/www.spink.cz\/pujcky-pri-exekuci\/","wordCount":452,"articleBody":"       I pokud V\u00e1s postihla nemil\u00e1 v\u011bc v podob\u011b exekuce, m\u016f\u017eete si za\u017e\u00e1dat o nebankovn\u00ed p\u016fj\u010dku. Poj\u010fme se pod\u00edvat na v\u00edce informac\u00ed, jak takovou p\u016fj\u010dku vy\u0159\u00eddit. N\u011bkdy se m\u016f\u017ee v \u017eivot\u011b ka\u017ed\u00e9ho jedince st\u00e1t, \u017ee se dostane do n\u011bjak\u00e9 pot\u00ed\u017ee, kter\u00e1 vy\u00fast\u00ed v exekuci. Je obecn\u011b zn\u00e1mo, \u017ee lidem v exekuc\u00ed banky, d\u00edky takov\u00e9mu \u010dern\u00e9mu punt\u00edku v registru dlu\u017en\u00edk\u016f nep\u016fj\u010d\u00ed ani hal\u00ed\u0159. Ale ani tak nemus\u00ed tito lid\u00e9 zoufat. Nab\u00edz\u00ed se jim mo\u017enost nebankovn\u00edch p\u016fj\u010dek v exekuci https:\/\/lightfinance.cz\/zapujcka-se-zastavou-nemovitosti\/. Pokud jste pojem nebankovn\u00ed p\u016fj\u010dka nesly\u0161eli poj\u010fme si obecn\u011b \u0159\u00edci o co se jedn\u00e1. Jak u\u017e napov\u00edd\u00e1 n\u00e1zev jedn\u00e1 se o p\u016fj\u010dku, kterou prov\u00e1d\u00ed jin\u00fd subjekt, ne\u017e jsou banky. Ur\u010dit\u011b jste u\u017e n\u011bjak\u00e9 takov\u00e9 reklamy vid\u011bli a\u0165 u\u017e v televizi nebo v tisku. Nebankovn\u00ed p\u016fj\u010dky se vyzna\u010duj\u00ed zpravidla vy\u0161\u0161\u00edm \u00farokem, a pr\u00e1v\u011b taky t\u00edm, \u017ee se neprov\u00e1d\u00ed n\u00e1hled do registru dlu\u017en\u00edk\u016f. Rozd\u00edl mezi bankovn\u00ed a nebankovn\u00ed p\u016fj\u010dkouUr\u010dit\u011b je i d\u016fle\u017eit\u00e9 si \u0159\u00edci jak\u00fd je rozd\u00edl mezi bankovn\u00ed a nebankovn\u00ed p\u016fj\u010dkou. Jak je z n\u00e1zvu jasn\u00e9 bankovn\u00ed p\u016fj\u010dky jsou takov\u00e9, kter\u00e9 vypl\u00e1cej\u00ed pouze banky, kter\u00e9 maj\u00ed licenci u \u010cNB neboli \u010cesk\u00e9 n\u00e1rodn\u00ed banky. Pokud se budeme bavit o nebankovn\u00edch p\u016fj\u010dk\u00e1ch vypl\u00e1cej\u00ed ji jin\u00e9 instituce, ne\u017e jsou banky, kter\u00e9 maj\u00ed tak\u00e9 licenci u \u010cNB, ale nejedn\u00e1 se o bankovn\u00ed licenci n\u00fdbr\u017e o licenci spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f. Jak si p\u016fj\u010dit u nebankovn\u00edch instituc\u00edPokud se teda rozhodnete pro \u00fav\u011br v exekuci poskytnutou jinou instituc\u00ed, ne\u017e bankou m\u016f\u017eete takovou p\u016fj\u010dku t\u0159eba i z\u00edskat d\u00edky z\u00e1stav\u011b sv\u00e9 nemovitost\u00ed, kdy p\u016fj\u010dkou vyplat\u00edte exekuci a pot\u00e9 u\u017e spl\u00e1c\u00edte pouze dan\u00fd \u00fav\u011br. Anebo klasick\u00fdm \u00fav\u011brem, kde si sta\u010d\u00ed naj\u00edt pro V\u00e1s nejp\u0159ijateln\u011bj\u0161\u00ed nebankovn\u00ed spole\u010dnost, a to v\u011bt\u0161inou na webu, kde jich je velk\u00e9 mno\u017estv\u00ed. Prvn\u00ed komunikace v\u011bt\u0161inou prob\u00edh\u00e1 vypln\u011bn\u00edm online dotazn\u00edku na z\u00e1klad\u011b, kter\u00e9ho V\u00e1s pot\u00e9 finan\u010dn\u00ed oper\u00e1to\u0159i kontaktuj\u00ed pomoc\u00ed telefonu. Ov\u011b\u0159\u00ed si s V\u00e1mi informace, kter\u00e9 jste na za\u010d\u00e1tku uvedl a p\u0159ed\u00e1vaj\u00ed to d\u00e1le ke schv\u00e1len\u00ed. Po schv\u00e1len\u00ed v\u011bt\u0161inou m\u00e1te pen\u00edze max do 2-3 dn\u00ed na \u00fa\u010dtu, kter\u00fd v \u017e\u00e1dosti uvedete.                                                                                                                                                                                                                                                                                                                                                                                                  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