{"id":614,"date":"2018-04-10T08:31:53","date_gmt":"2018-04-10T07:31:53","guid":{"rendered":"https:\/\/zpravy.czin.eu\/?p=614"},"modified":"2018-04-10T08:31:53","modified_gmt":"2018-04-10T07:31:53","slug":"online-doba-uz-i-pujcku-vyridite-z-pohodli-domova","status":"publish","type":"post","link":"https:\/\/genzpravy.czin.eu\/online-doba-uz-i-pujcku-vyridite-z-pohodli-domova","title":{"rendered":"Online doba &#8211; u\u017e i p\u016fj\u010dku vy\u0159\u00edd\u00edte z pohodl\u00ed domova"},"content":{"rendered":"<p style=\"text-align: left;\"><a href=\"https:\/\/zpravy.czin.eu\/wp-content\/uploads\/thumbnail_p\u016fj\u010dov\u00e1n\u00ed-online.jpg\"><img loading=\"lazy\" class=\"alignleft size-medium wp-image-615\" src=\"https:\/\/zpravy.czin.eu\/wp-content\/uploads\/thumbnail_p\u016fj\u010dov\u00e1n\u00ed-online-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" srcset=\"https:\/\/genzpravy.czin.eu\/wp-content\/uploads\/thumbnail_p\u016fj\u010dov\u00e1n\u00ed-online-300x200.jpg 300w, https:\/\/genzpravy.czin.eu\/wp-content\/uploads\/thumbnail_p\u016fj\u010dov\u00e1n\u00ed-online.jpg 640w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a>Doby, kdy jste kv\u016fli p\u016fj\u010dce museli do pobo\u010dky banky a n\u011bkdy i n\u011bkolikr\u00e1t, u\u017e jsou na\u0161t\u011bst\u00ed pry\u010d. Na rozd\u00edl od \u00fa\u0159ad\u016f, kter\u00e9 je\u0161t\u011b po\u0159\u00e1d mus\u00edme v\u00a0naprost\u00e9 v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f nav\u0161t\u011bvovat osobn\u011b, u\u017e finan\u010dn\u00ed instituce objevily kouzlo elektronizace. P\u016fj\u010dit pen\u00edze si dnes m\u016f\u017eete online a ani se p\u0159i tom nemus\u00edte zvednout ze sv\u00e9ho obl\u00edben\u00e9ho k\u0159esla. Nebo m\u016f\u017eete j\u00edt na pobo\u010dku, je jen na v\u00e1s, jak moc chcete b\u00fdt p\u0159i uzav\u00edr\u00e1n\u00ed smlouvy o \u00fav\u011bru fyzicky p\u0159\u00edtomn\u00ed.<\/p>\n<p style=\"text-align: left;\"><strong>Prvn\u00edm krokem je v\u00fdb\u011br<\/strong><\/p>\n<p style=\"text-align: left;\">Nejd\u016fle\u017eit\u011bj\u0161\u00ed je vybrat si spr\u00e1vnou p\u016fj\u010dku. A\u0165 u\u017e preferujete banku, nebo nebankovn\u00ed spole\u010dnost, v\u011bt\u0161inou najdete v\u0161echny informace na jejich webech. A existuj\u00ed i pomocn\u00edci, kte\u0159\u00ed v\u00e1m v\u00fdb\u011br usnadn\u00ed \u2013 <a href=\"https:\/\/homepujcka.cz\/srovnani-pujcek\/\">srovn\u00e1va\u010de p\u016fj\u010dek<\/a>. V\u00a0nich najdete jak ak\u010dn\u00ed nab\u00eddky jednotliv\u00fdch poskytovatel\u016f, tak srovn\u00e1n\u00ed v\u00edce nab\u00eddek \u00fav\u011bru se stejn\u00fdmi nebo podobn\u00fdmi parametry.<\/p>\n<p style=\"text-align: left;\">Je ale d\u016fle\u017eit\u00e9 si uv\u011bdomit, \u017ee vzorov\u00e9 p\u0159\u00edklady nemus\u00ed b\u00fdt stejn\u00e9, jako je nab\u00eddka, kterou dostanete vy sami. Z\u00a0kr\u00e1sn\u00e9 ro\u010dn\u00ed procentn\u00ed sazby n\u00e1klad\u016f (RPSN) ve v\u00fd\u0161i 6 % m\u016f\u017ee b\u00fdt v\u00a0p\u0159edsmluvn\u00ed informaci, kterou dostanete vy, klidn\u011b 10 i v\u00edce procent. Stejn\u011b tak se nenechte zl\u00e1kat jen n\u00edzkou spl\u00e1tkou, ale porovn\u00e1vejte, kolik nakonec za p\u016fj\u010den\u00e9 pen\u00edze zaplat\u00edte celkem nav\u00edc. N\u00edzkou spl\u00e1tku a tak\u00e9 \u00faroky budete platit podstatn\u011b d\u00e9le, tak\u017ee se v\u00e1m prodra\u017e\u00ed. Pokud se v\u00e1m nab\u00eddka nezd\u00e1, zkuste to jinde, kde se t\u0159eba dostanete na lep\u0161\u00ed parametry. Porovn\u00e1vejte a p\u0159em\u00fd\u0161lejte, a\u0165 u\u017e se jedn\u00e1 o velk\u00fd \u00fav\u011br na za\u0159\u00edzen\u00ed bytu, nebo rychlou <a href=\"https:\/\/www.bezvamoney.cz\/pujcky-pred-vyplatou\/\">online p\u016fj\u010dku p\u0159ed v\u00fdplatou<\/a>. Ta m\u016f\u017ee b\u00fdt \u00fapln\u011b zadarmo, kdy\u017e ji zaplat\u00edte v\u00a0dohodnut\u00e9m term\u00ednu, obvykle do 2 a\u017e 4 t\u00fddn\u016f, ale kdy\u017e se opozd\u00edte o jedin\u00fd den, vyjde v\u00e1s dost draho.<\/p>\n<p style=\"text-align: left;\"><strong>Jak funguje online schv\u00e1len\u00ed<\/strong><\/p>\n<p style=\"text-align: left;\">Bankovn\u00ed i nebankovn\u00ed p\u016fj\u010dky m\u016f\u017eete uzav\u0159\u00edt pomoc\u00ed mobiln\u00edho telefonu a d\u00edky p\u0159\u00edstupu na internet. Na po\u010d\u00edta\u010di, tabletu \u010di mobilu vypln\u00edte \u017e\u00e1dost a s\u00a0poskytovatelem pak d\u00e1le komunikujete e-mailem nebo pomoc\u00ed SMS. Nejjednodu\u0161\u0161\u00ed je to obvykle tam, kde u\u017e n\u011bjak\u00fd produkt m\u00e1te. Banka, ale i nebankovn\u00ed spole\u010dnost, kter\u00e1 je s\u00a0v\u00e1mi jako klientem spokojen\u00e1, v\u00e1m p\u0159iprav\u00ed nab\u00eddku na m\u00edru. Smlouvu m\u016f\u017eete klidn\u011b podepsat jen SMS k\u00f3dem.<\/p>\n<p style=\"text-align: left;\">Pokud klientem je\u0161t\u011b nejste, je n\u011bkolik mo\u017enost\u00ed:<\/p>\n<ul style=\"text-align: left;\">\n<li>za\u017e\u00e1d\u00e1te online \/ telefonicky, smlouvu dostanete e-mailem, vytisknete a po\u0161lete po\u0161tou<\/li>\n<li>za\u017e\u00e1d\u00e1te online \/ telefonicky a smlouvu podep\u00ed\u0161ete na pobo\u010dce<\/li>\n<li>za\u017e\u00e1d\u00e1te online \/ telefonicky a smlouvu v\u00e1m p\u0159iveze k\u00a0podpisu kur\u00fdr nebo obchodn\u00ed z\u00e1stupce<\/li>\n<\/ul>\n<p style=\"text-align: left;\">U men\u0161\u00edch rychl\u00fdch online p\u016fj\u010dek ale m\u016f\u017eete pen\u00edze z\u00edskat i po pouh\u00e9m odesl\u00e1n\u00ed SMS. Z\u00e1le\u017e\u00ed na konkr\u00e9tn\u00edch podm\u00ednk\u00e1ch dan\u00e9 finan\u010dn\u00ed spole\u010dnosti. Ka\u017edop\u00e1dn\u011b se d\u00e1 d\u00edky online komunikaci u\u0161et\u0159it hodn\u011b \u010dasu, cel\u00fd proces je pohodln\u00fd a velmi rychl\u00fd. Pokud spl\u0148ujete podm\u00ednky, pen\u00edze m\u016f\u017eete m\u00edt na \u00fa\u010dtu v\u00a0\u0159\u00e1du minut.<\/p>\n<p style=\"text-align: left;\"><strong>Na co si d\u00e1t pozor<br \/>\n<\/strong>I kdy\u017e si jen pov\u00edd\u00e1te s\u00a0oper\u00e1torem po telefonu, pozor, na co mu p\u0159itak\u00e1v\u00e1te.\u00a0 A\u0165 u\u017e je smlouva uzav\u00edr\u00e1na jak\u00fdmkoli zp\u016fsobem, m\u00e1te pr\u00e1vo na to, p\u0159e\u010d\u00edst si p\u0159ed jej\u00edm podpisem:<\/p>\n<ul style=\"text-align: left;\">\n<li>p\u0159edsmluvn\u00ed informace se z\u00e1kladn\u00edmi podm\u00ednkami \u00fav\u011bru a tak\u00e9 s\u00a0\u00fadaji o jeho poskytovateli<\/li>\n<li>v\u0161eobecn\u00e9 obchodn\u00ed podm\u00ednky dan\u00e9 banky \u010di nebankovn\u00ed instituce<\/li>\n<li>n\u00e1vrh smlouvy<\/li>\n<\/ul>\n<p style=\"text-align: left;\">U nebankovn\u00edch p\u016fj\u010dek si tak\u00e9 dejte pozor na to, zda spl\u0148uje poskytovatel z\u00e1konn\u00e9 podm\u00ednky a poskytuje p\u016fj\u010dky leg\u00e1ln\u011b. Aktu\u00e1ln\u00ed seznam bank i nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 maj\u00ed pr\u00e1vo spot\u0159ebitelsk\u00e9 \u00fav\u011bry poskytovat, najdete <a href=\"https:\/\/www.cnb.cz\/cs\/index.html\">na webu \u010cesk\u00e9 n\u00e1rodn\u00ed banky<\/a>.<\/p>\n<p style=\"text-align: left;\">Pom\u011brn\u011b \u010dasto tak\u00e9 m\u016f\u017eete dostat hlavn\u011b po telefonu skv\u011ble se tv\u00e1\u0159\u00edc\u00ed nab\u00eddku, ale kdy\u017e j\u00ed odol\u00e1te a pod\u00edv\u00e1te se na web stejn\u00e9 banky \u010di nebankovn\u00ed instituce, najdete tam nab\u00eddku je\u0161t\u011b lep\u0161\u00ed. Pokud v\u00e1m poskytovatel s\u00e1m vol\u00e1, tak to ned\u011bl\u00e1 z\u00a0\u010dir\u00e9 l\u00e1sky, ale aby z\u00edskal dobr\u00e9ho klienta. Nenechte se umluvit a trvejte na p\u00edsemn\u00e9 nab\u00eddce, kterou si budete moci l\u00e9pe rozmyslet. A hlavn\u011b, nejednejte nikdy zbrkle. Vy\u0161et\u0159ete si hodinku na po\u0159\u00e1dn\u00fd v\u00fdb\u011br i prostudov\u00e1n\u00ed podm\u00ednek. Vyplat\u00ed se v\u00e1m to.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Doby, kdy jste kv\u016fli p\u016fj\u010dce museli do pobo\u010dky banky a n\u011bkdy i n\u011bkolikr\u00e1t, u\u017e jsou na\u0161t\u011bst\u00ed pry\u010d. Na rozd\u00edl od \u00fa\u0159ad\u016f, kter\u00e9 je\u0161t\u011b po\u0159\u00e1d mus\u00edme v\u00a0naprost\u00e9 v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f nav\u0161t\u011bvovat osobn\u011b, u\u017e finan\u010dn\u00ed instituce objevily kouzlo elektronizace. P\u016fj\u010dit pen\u00edze si dnes m\u016f\u017eete online a ani se p\u0159i tom nemus\u00edte zvednout ze sv\u00e9ho obl\u00edben\u00e9ho k\u0159esla. Nebo m\u016f\u017eete [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":615,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[4,20],"tags":[],"_links":{"self":[{"href":"https:\/\/genzpravy.czin.eu\/wp-json\/wp\/v2\/posts\/614"}],"collection":[{"href":"https:\/\/genzpravy.czin.eu\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/genzpravy.czin.eu\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/genzpravy.czin.eu\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/genzpravy.czin.eu\/wp-json\/wp\/v2\/comments?post=614"}],"version-history":[{"count":1,"href":"https:\/\/genzpravy.czin.eu\/wp-json\/wp\/v2\/posts\/614\/revisions"}],"predecessor-version":[{"id":616,"href":"https:\/\/genzpravy.czin.eu\/wp-json\/wp\/v2\/posts\/614\/revisions\/616"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/genzpravy.czin.eu\/wp-json\/wp\/v2\/media\/615"}],"wp:attachment":[{"href":"https:\/\/genzpravy.czin.eu\/wp-json\/wp\/v2\/media?parent=614"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/genzpravy.czin.eu\/wp-json\/wp\/v2\/categories?post=614"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/genzpravy.czin.eu\/wp-json\/wp\/v2\/tags?post=614"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}