{"id":785,"date":"2024-12-12T12:35:00","date_gmt":"2024-12-12T11:35:00","guid":{"rendered":"https:\/\/denikbyznys.cz\/?p=785"},"modified":"2024-12-16T12:39:55","modified_gmt":"2024-12-16T11:39:55","slug":"porovnani-bankovnich-a-nebankovnich-poplatku","status":"publish","type":"post","link":"https:\/\/denikbyznys.cz\/?p=785","title":{"rendered":"Porovn\u00e1n\u00ed bankovn\u00edch a nebankovn\u00edch poplatk\u016f"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Pokud uva\u017eujete o p\u016fj\u010dce, je t\u0159eba porovn\u00e1vat celkov\u00e9 n\u00e1klady na \u00fav\u011br. Do celkov\u00fdch n\u00e1klad\u016f je nutn\u00e9 zapo\u010d\u00edtat nejen \u00farokovou sazbu, ale tak\u00e9 poplatky, kter\u00e9 jsou spojen\u00e9 se \u017e\u00e1dost\u00ed o \u00fav\u011br, spr\u00e1vou \u00fav\u011bru, spl\u00e1cen\u00edm a dal\u0161\u00edmi poplatky. Nab\u00eddky bank a nebankovn\u00edch instituc\u00ed se v&nbsp;\u00fa\u010dtov\u00e1n\u00ed poplatk\u016f v\u00fdrazn\u011b li\u0161\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Jak\u00e9 poplatky se hrad\u00ed u p\u016fj\u010dek<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Konkr\u00e9tn\u00ed v\u00fd\u0161e a typ poplatk\u016f se li\u0161\u00ed podle poskytovatele, obecn\u011b ale m\u016f\u017eete po\u010d\u00edtat s&nbsp;poplatky za vy\u0159\u00edzen\u00ed \u017e\u00e1dosti, s&nbsp;poplatkem za veden\u00ed \u00fav\u011brov\u00e9ho \u00fa\u010dtu a dal\u0161\u00edmi poplatky, kter\u00e9 jsou spojen\u00e9 s&nbsp;nenad\u00e1lou situac\u00ed. M\u016f\u017ee v\u00e1m b\u00fdt \u00fa\u010dtov\u00e1n poplatek za opo\u017ed\u011bnou spl\u00e1tku, \u00faroky z&nbsp;prodlen\u00ed, nejr\u016fzn\u011bj\u0161\u00ed sankce a pokuty. V&nbsp;podobn\u00e9 situaci se m\u016f\u017eete ocitnout tak\u00e9 v&nbsp;p\u0159\u00edpad\u011b, \u017ee chcete \u00fav\u011br p\u0159ed\u010dasn\u011b splatit, \u0159ada poskytovatel\u016f \u00fa\u010dtuje poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed p\u016fj\u010dky. Penalizace \u010dek\u00e1 klienty rovn\u011b\u017e v&nbsp;p\u0159\u00edpad\u011b, \u017ee pot\u0159ebuj\u00ed zm\u011bnu ve spl\u00e1tkov\u00e9m kalend\u00e1\u0159i, prodlou\u017eit lh\u016ftu splatnosti nebo nav\u00fd\u0161it p\u016fj\u010dku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Poplatky u p\u016fj\u010dek v&nbsp;tradi\u010dn\u00edch bank\u00e1ch<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">U bank by se m\u011bl klient obecn\u011b setkat s&nbsp;ni\u017e\u0161\u00edmi n\u00e1klady p\u016fj\u010dky, neplat\u00ed to v\u0161ak v\u017edy, a i mezi jednotliv\u00fdmi bankami se mohou vyskytnout rozd\u00edly mezi jednotliv\u00fdmi poskytovateli. Banky z&nbsp;velk\u00e9 \u010d\u00e1sti upou\u0161t\u011bj\u00ed od poplatk\u016f za vy\u0159\u00edzen\u00ed p\u016fj\u010dky, s poplatkem v&nbsp;\u0159\u00e1du do 2 % se mohou klienti setkat u hypote\u010dn\u00edch \u00fav\u011br\u016f. \u00da\u010dtuje se poplatek za poskytnut\u00ed \u00fav\u011bru.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u011bhem spl\u00e1cen\u00ed \u00fa\u010dtuj\u00ed banky des\u00edtky i stovky korun za veden\u00ed \u00fav\u011brov\u00e9ho \u00fa\u010dtu, op\u011bt plat\u00ed, \u017ee \u0159ada velk\u00fdch bank u\u017e od tohoto poplatku upustila. V&nbsp;posledn\u00edch letech banky bojovaly za mo\u017enost \u00fa\u010dtovat poplatky, pokud klient \u00fav\u011br p\u0159ed\u010dasn\u011b splat\u00ed, podle typu \u00fav\u011bru mohou banky \u00fa\u010dtovat n\u00e1klady do v\u00fd\u0161e u\u0161l\u00e9ho zisku, av\u0161ak maxim\u00e1ln\u011b do 1 a\u017e 2 % z&nbsp;p\u0159ed\u010dasn\u011b splacen\u00e9 \u010d\u00e1stky. N\u011bkter\u00e9 typy \u00fav\u011br\u016f m\u016f\u017ee dle z\u00e1kona spot\u0159ebitel uhradit p\u0159ed\u010dasn\u011b kdykoliv a zcela zdarma.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Sankce \u00fa\u010dtovan\u00e9 tradi\u010dn\u00edmi bankami<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Banky \u00fa\u010dtuj\u00ed sank\u010dn\u00ed \u00farok, ten se po\u010d\u00edt\u00e1 za ka\u017ed\u00fd den prodlen\u00ed. Jeho horn\u00ed hranice je regulov\u00e1na z\u00e1konem a nep\u0159esahuje 10 % dlu\u017en\u00e9 \u010d\u00e1stky ro\u010dn\u011b. Pokud klient \u017e\u00e1d\u00e1 o zm\u011bnu v&nbsp;podm\u00ednk\u00e1ch spl\u00e1cen\u00ed, nav\u00fd\u0161en\u00ed p\u016fj\u010dky, odklad spl\u00e1tek atp. banky mohou \u00fa\u010dtovat poplatky i v&nbsp;\u0159\u00e1du tis\u00edc\u016f korun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Poplatky u p\u016fj\u010dek od nebankovn\u00edch instituc\u00ed<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nebankovn\u00ed poskytovatel\u00e9 zprost\u0159edkuj\u00ed p\u016fj\u010dky i t\u011bm, kte\u0159\u00ed maj\u00ed pot\u00ed\u017ee s&nbsp;dokl\u00e1d\u00e1n\u00edm bonity nebo nemohou z\u00edskat p\u016fj\u010dku v&nbsp;bance z&nbsp;jin\u00e9ho d\u016fvodu. Pro z\u00edsk\u00e1n\u00ed p\u016fj\u010dky nen\u00ed nutn\u00e9 proj\u00edt tak p\u0159\u00edsn\u00fdm schvalovac\u00edm procesem jako p\u0159i p\u016fj\u010dk\u00e1ch v&nbsp;bance. Jednoduch\u00e9 a rychl\u00e9 z\u00edsk\u00e1n\u00ed pen\u011bz se v\u0161ak m\u016f\u017ee odrazit ve vy\u0161\u0161\u00edch poplatc\u00edch.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mezi poskytovateli nebankovn\u00edch p\u016fj\u010dek jsou dramatick\u00e9 rozd\u00edly ve v\u00fd\u0161i \u00farokov\u00e9 sazby i ve v\u00fd\u0161i \u00fa\u010dtovan\u00fdch poplatk\u016f. P\u0159i vy\u0159\u00edzen\u00ed \u017e\u00e1dosti n\u011bkte\u0159\u00ed nebankovn\u00ed poskytovatel\u00e9 \u00fa\u010dtuj\u00ed poplatek a\u017e ve v\u00fd\u0161i 10 % z&nbsp;po\u017eadovan\u00e9 \u010d\u00e1stky. Veden\u00ed \u00fav\u011brov\u00e9ho \u00fa\u010dtu m\u016f\u017ee b\u00fdt zpoplatn\u011bno a\u017e stovkami korun m\u011bs\u00ed\u010dn\u011b. Za p\u0159ed\u010dasn\u00e9 splacen\u00ed, \u017e\u00e1dost o nav\u00fd\u0161en\u00ed p\u016fj\u010dky nebo o prodlou\u017een\u00ed splatnosti m\u016f\u017ee st\u00e1t i tis\u00edce korun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Sankce u p\u016fj\u010dek od nebankovn\u00edch spole\u010dnost\u00ed<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dramaticky se m\u016f\u017ee zv\u00fd\u0161it dlu\u017en\u00e1 \u010d\u00e1stka v&nbsp;p\u0159\u00edpad\u011b, \u017ee dojde ke zpo\u017ed\u011bn\u00ed spl\u00e1tek nebo je del\u0161\u00ed dobu \u00fav\u011br bez \u00fahrady. Sank\u010dn\u00ed \u00faroky jsou \u00fa\u010dtov\u00e1ny v&nbsp;des\u00edtk\u00e1ch procent z&nbsp;dlu\u017en\u00e9 \u010d\u00e1stky ro\u010dn\u011b. Z\u00e1rove\u0148 m\u016f\u017ee b\u00fdt uplatn\u011bna pokuta a to i 1&nbsp;000 K\u010d za ka\u017ed\u00fd den prodlen\u00ed. Pokud by klient pot\u0159eboval zm\u011bnu ve smluvn\u00edch podm\u00ednk\u00e1ch, nap\u0159\u00edklad nav\u00fd\u0161it p\u016fj\u010dku, zm\u011bnit v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek nebo prodlou\u017eit lh\u016ftu spl\u00e1cen\u00ed, mohou mu b\u00fdt \u00fa\u010dtov\u00e1ny i tis\u00edce korun. Je proto d\u016fle\u017eit\u00e9 pe\u010dliv\u011b porovn\u00e1vat parametry p\u016fj\u010dek a vyb\u00edrat seri\u00f3zn\u00edho poskytovatele.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Srovn\u00e1n\u00ed bankovn\u00edch a nebankovn\u00edch poplatk\u016f<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Typ poplatku<\/strong><\/td><td><strong>Banky (pr\u016fm\u011br)<\/strong><\/td><td><strong>Nebankovn\u00ed instituce (pr\u016fm\u011br)<\/strong><\/td><\/tr><tr><td>Vy\u0159\u00edzen\u00ed \u017e\u00e1dosti<\/td><td>zdarma nebo a\u017e 2 %<\/td><td>2\u201310 % z v\u00fd\u0161e \u00fav\u011bru<\/td><\/tr><tr><td>Veden\u00ed \u00fav\u011brov\u00e9ho \u00fa\u010dtu<\/td><td>zdarma<\/td><td>200\u2013400 K\u010d m\u011bs\u00ed\u010dn\u011b<\/td><\/tr><tr><td>P\u0159ed\u010dasn\u00e9 splacen\u00ed<\/td><td>0\u20131 %<\/td><td>2\u20135 % z v\u00fd\u0161e p\u0159ed\u010dasn\u011b splacen\u00e9 \u010d\u00e1stky<\/td><\/tr><tr><td>Sankce za prodlen\u00ed<\/td><td>5\u201310 % ro\u010dn\u011b<\/td><td>A\u017e 30 % ro\u010dn\u011b + pevn\u00e9 pokuty<\/td><\/tr><tr><td>Zm\u011bna smluvn\u00edch podm\u00ednek<\/td><td>500\u20131 500 K\u010d<\/td><td>2 000\u20135 000 K\u010d<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>V\u00fdhody p\u016fj\u010dek od banky<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>N\u00edzk\u00e9 poplatky.<\/li>\n\n\n\n<li>Transparentn\u00ed podm\u00ednky.<\/li>\n\n\n\n<li>Ochrana klienta zaru\u010dena legislativn\u00edmi p\u0159edpisy.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>V\u00fdhody p\u016fj\u010dek od nebankovn\u00edch instituc\u00ed<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rychl\u00e9 vy\u0159\u00edzen\u00ed \u017e\u00e1dost\u00ed.<\/li>\n\n\n\n<li><a href=\"https:\/\/mojenebankovka.cz\/pujcka-bez-dolozeni-prijmu\/\">Bez nutnosti dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f.<\/a><\/li>\n\n\n\n<li>Tolerance z\u00e1znam\u016f v\u00a0registru.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Jak vybrat poskytovatele p\u016fj\u010dky<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i rozhodov\u00e1n\u00ed mezi \u00fav\u011brem od banky a od nebankovn\u00ed instituce je d\u016fle\u017eit\u00e9 zv\u00e1\u017eit nejen v\u00fd\u0161i \u00farokov\u00e9 sazby, ale i dal\u0161\u00ed poplatky, kter\u00e9 jsou \u00fa\u010dtov\u00e1ny p\u0159i \u017e\u00e1dosti o p\u016fj\u010dku a b\u011bhem spl\u00e1cen\u00ed. Banky jsou vhodn\u011bj\u0161\u00ed volbou pro klienty s&nbsp;dobrou bonitou, stabiln\u00ed v\u00fd\u0161\u00ed p\u0159\u00edjm\u016f a bez z\u00e1znam\u016f v&nbsp;registrech dlu\u017en\u00edk\u016f. Podm\u00ednky pro schv\u00e1len\u00ed \u00fav\u011bru jsou pom\u011brn\u011b p\u0159\u00edsn\u00e9 a proces vy\u0159\u00edzen\u00ed \u017e\u00e1dosti trv\u00e1 del\u0161\u00ed dobu. Nebankovn\u00ed poskytovatel\u00e9 mohou zprost\u0159edkovat p\u016fj\u010dky i t\u011bm, kte\u0159\u00ed maj\u00ed probl\u00e9my z\u00edskat \u00fav\u011br v&nbsp;bance, rychl\u00e9 a jednoduch\u00e9 vy\u0159\u00edzen\u00ed \u017e\u00e1dosti je vykoupeno vy\u0161\u0161\u00edmi poplatky a rizikem skryt\u00fdch poplatk\u016f. Pe\u010dliv\u011b porovn\u00e1vejte nab\u00eddky jednotliv\u00fdch poskytovatel\u016f, krom\u011b \u00farok\u016f sledujte sazbu RPSN a v\u00fd\u0161i sankc\u00ed a pokut.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Autor: <a href=\"https:\/\/mojenebankovka.cz\/tym\/jakub-necas\/\">Jakub Ne\u010das<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pokud uva\u017eujete o p\u016fj\u010dce, je t\u0159eba porovn\u00e1vat celkov\u00e9 n\u00e1klady na \u00fav\u011br. Do celkov\u00fdch n\u00e1klad\u016f je nutn\u00e9 zapo\u010d\u00edtat nejen \u00farokovou sazbu, ale tak\u00e9 poplatky, kter\u00e9 jsou spojen\u00e9 se \u017e\u00e1dost\u00ed o \u00fav\u011br, spr\u00e1vou \u00fav\u011bru, spl\u00e1cen\u00edm a dal\u0161\u00edmi poplatky. Nab\u00eddky bank a nebankovn\u00edch instituc\u00ed se v&nbsp;\u00fa\u010dtov\u00e1n\u00ed poplatk\u016f v\u00fdrazn\u011b li\u0161\u00ed. Jak\u00e9 poplatky se hrad\u00ed u p\u016fj\u010dek Konkr\u00e9tn\u00ed v\u00fd\u0161e a [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":786,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[265],"tags":[],"class_list":["post-785","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-tipy"],"_links":{"self":[{"href":"https:\/\/denikbyznys.cz\/index.php?rest_route=\/wp\/v2\/posts\/785","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/denikbyznys.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/denikbyznys.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/denikbyznys.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/denikbyznys.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=785"}],"version-history":[{"count":0,"href":"https:\/\/denikbyznys.cz\/index.php?rest_route=\/wp\/v2\/posts\/785\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/denikbyznys.cz\/index.php?rest_route=\/wp\/v2\/media\/786"}],"wp:attachment":[{"href":"https:\/\/denikbyznys.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=785"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/denikbyznys.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=785"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/denikbyznys.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=785"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}