{"id":556,"date":"2025-07-22T07:28:17","date_gmt":"2025-07-22T05:28:17","guid":{"rendered":"https:\/\/apenize.cz\/?p=556"},"modified":"2025-07-22T07:28:17","modified_gmt":"2025-07-22T05:28:17","slug":"jak-ziskat-pujcku-s-nepravidelnym-prijmem-navod-pro-freelancery-osvc-nebo-brigadniky","status":"publish","type":"post","link":"https:\/\/apenize.cz\/?p=556","title":{"rendered":"Jak z\u00edskat p\u016fj\u010dku s\u00a0nepravideln\u00fdm p\u0159\u00edjmem. N\u00e1vod pro freelancery, OSV\u010c nebo brig\u00e1dn\u00edky"},"content":{"rendered":"\n

Flexibiln\u00ed pracovn\u00ed \u00favazky, pr\u00e1ce na dohody nebo podnik\u00e1n\u00ed p\u0159in\u00e1\u0161ej\u00ed v\u011bt\u0161\u00ed svobodu, ale jsou komplikac\u00ed p\u0159i z\u00edsk\u00e1n\u00ed p\u016fj\u010dky. Bez pravideln\u00e9ho p\u0159\u00edjmu v dostate\u010dn\u00e9 v\u00fd\u0161i je cesta k p\u016fj\u010dce trnit\u00e1, zejm\u00e9na v bance. Jak\u00e9 jsou mo\u017enosti v p\u0159\u00edpad\u011b, kdy nem\u016f\u017eete dolo\u017eit p\u0159\u00edjem standardn\u00ed formou?<\/p>\n\n\n\n

Pr\u00e1ce s nepravidelnou v\u00fd\u0161\u00ed p\u0159\u00edjm\u016f<\/h1>\n\n\n\n

Pry\u010d jsou doby, kdy bylo standardem setrvat v jednom zam\u011bstn\u00e1n\u00ed po des\u00edtky let s pravideln\u00fdm p\u0159\u00edjmem. Trh pr\u00e1ce reaguje na pot\u0159eby z\u00e1jemc\u016f o pr\u00e1ci a nab\u00edz\u00ed celou \u0159adu zkr\u00e1cen\u00fdch a flexibiln\u00edch pracovn\u00edch \u00favazk\u016f, dohod \u010di extern\u00edch spoluprac\u00ed. A\u010dkoliv jsou takov\u00e9 posty l\u00e1kav\u00e9 a velmi \u017e\u00e1dan\u00e9, proto\u017ee umo\u017e\u0148uj\u00ed lep\u0161\u00ed propojen\u00ed pracovn\u00edho a soukrom\u00e9ho \u017eivota, nesou se sebou n\u011bkter\u00e1 \u00faskal\u00ed. Jedno z nich nen\u00ed patrn\u00e9 na prvn\u00ed pohled. Je to probl\u00e9m se z\u00edsk\u00e1n\u00edm p\u016fj\u010dky ve chv\u00edli, kdy nen\u00ed mo\u017en\u00e9 dolo\u017eit pravidelnou a st\u00e1lou v\u00fd\u0161i p\u0159\u00edjm\u016f nejl\u00e9pe podlo\u017eenou pracovn\u00ed smlouvou na dobu neur\u010ditou. Jak\u00e9 jsou mo\u017enosti p\u0159i \u017e\u00e1dosti o p\u016fj\u010dku, pokud nem\u016f\u017eete dolo\u017eit pravideln\u00fd p\u0159\u00edjem v dostate\u010dn\u00e9 v\u00fd\u0161i?<\/p>\n\n\n\n

Banky vy\u017eaduj\u00ed dolo\u017een\u00ed p\u0159\u00edjm\u016f<\/h1>\n\n\n\n

P\u0159i b\u011b\u017en\u00e9 \u017e\u00e1dosti o p\u016fj\u010dku v bance, se zpravidla klient setk\u00e1 s po\u017eadavkem na dolo\u017een\u00ed pravideln\u00e9ho a stabiln\u00edho p\u0159\u00edjmu. Banka chce vid\u011bt v\u00fdplatn\u00ed p\u00e1sky, pracovn\u00ed smlouvy nebo da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed za n\u011bkolik let. Pe\u010dliv\u00e1 kontrola toho, zda jsou p\u0159\u00edjmy pravideln\u00e9 a v dostate\u010dn\u00e9 v\u00fd\u0161i je pro banku nezbytn\u00e1, aby zhodnotila bonitu klienta. Podle \u00fadaj\u016f na v\u00fdplatn\u00edch p\u00e1sk\u00e1ch a v da\u0148ov\u00e9m p\u0159izn\u00e1n\u00ed, zji\u0161\u0165uje, zda bude klient schopen spl\u00e1cet z\u00e1vazek v budoucnu. Banky se \u0159\u00edd\u00ed p\u0159\u00edsn\u00fdmi pravidly, kladou d\u016fraz na odpov\u011bdn\u00e9 poskytov\u00e1n\u00ed \u00fav\u011br\u016f.<\/p>\n\n\n\n

Kam pro p\u016fj\u010dku bez dolo\u017een\u00ed p\u0159\u00edjm\u016f<\/h1>\n\n\n\n

V n\u011bkter\u00fdch p\u0159\u00edpadech nen\u00ed dolo\u017een\u00ed p\u0159\u00edjm\u016f vy\u017eadov\u00e1no. Nap\u0159\u00edklad pokud \u017e\u00e1d\u00e1te u vlastn\u00ed banky a jedn\u00e1 se o \u00fav\u011br v n\u00edzk\u00e9m objemu. Banka m\u00e1 p\u0159ehled o p\u0159\u00edjmech a v\u00fddaj\u00edch, kter\u00e9 proch\u00e1zej\u00ed \u00fa\u010dtem a ke zhodnocen\u00ed bonity jsou \u00fadaje \u010dasto dostate\u010dn\u00e9.<\/p>\n\n\n\n

P\u016fj\u010dka bez dolo\u017een\u00ed p\u0159\u00edjm\u016f<\/a> je obl\u00edben\u00fdm produktem, je t\u0159eba o ni \u017e\u00e1dat v nebankovn\u00edm sektoru. N\u011bkte\u0159\u00ed poskytovatel\u00e9 p\u0159\u00edjmy nezkoumaj\u00ed v\u016fbec, jin\u00ed vyu\u017e\u00edvaj\u00ed alternativn\u00ed metody. U podnikatelsk\u00fdch p\u016fj\u010dek se p\u0159\u00edjmy nezkoumaj\u00ed v\u016fbec, ale vy\u017eaduje se ru\u010den\u00ed. Proto je t\u0159eba pe\u010dliv\u011b vyb\u00edrat poskytovatele p\u016fj\u010dky a sezn\u00e1mit se s parametry nab\u00eddky.<\/p>\n\n\n\n

Intern\u00ed sk\u00f3ringov\u00fd model<\/h1>\n\n\n\n

U n\u011bkter\u00fdch nebankovn\u00edch spole\u010dnost\u00ed se lze setkat s po\u017eadavkem na dolo\u017een\u00ed v\u00fdpis\u016f z bankovn\u00edho \u00fa\u010dtu. Jin\u00e9 spole\u010dnosti hodnot\u00ed schopnost spl\u00e1cet podle takzvan\u00fdch intern\u00edch sk\u00f3ringov\u00fdch model\u016f. Bonita klienta je posuzov\u00e1na podle v\u011bku, vzd\u011bl\u00e1n\u00ed, bydli\u0161t\u011b, historie v registrech a platebn\u00ed mor\u00e1lky nebo dle \u010detnosti \u017e\u00e1dost\u00ed o \u00fav\u011br v minulosti. V takov\u00fdch p\u0159\u00edpadech je mo\u017en\u00e9 z\u00edskat p\u016fj\u010dku i bez p\u0159\u00edm\u00e9ho dolo\u017een\u00ed pravideln\u00e9 v\u00fd\u0161e p\u0159\u00edjm\u016f.<\/p>\n\n\n\n

P\u016fj\u010dky bez dolo\u017een\u00ed p\u0159\u00edjm\u016f a jejich typy<\/h1>\n\n\n\n

Na trhu existuj\u00ed r\u016fzn\u00e9 typy p\u016fj\u010dek, u kter\u00fdch nen\u00ed nutn\u00e9 dokl\u00e1dat p\u0159\u00edjem. Nap\u0159\u00edklad u mikrop\u016fj\u010dek nebo p\u016fj\u010dek mal\u00e9ho objemu. Jedn\u00e1 se o kr\u00e1tkodob\u00e9 \u00fav\u011bry na 10 a\u017e 30 tis\u00edc korun se splatnost\u00ed nejd\u00e9le na n\u011bkolik m\u011bs\u00edc\u016f. Mikrop\u016fj\u010dky b\u00fdvaj\u00ed poskytov\u00e1ny rychle, online a s minim\u00e1ln\u00ed administrativn\u00ed z\u00e1t\u011b\u017e\u00ed. \u017d\u00e1d\u00e1 se p\u0159es formul\u00e1\u0159, vypln\u00ed se z\u00e1kladn\u00ed \u00fadaje a \u010dek\u00e1 se na schv\u00e1len\u00ed. To m\u016f\u017ee b\u00fdt u n\u011bkter\u00fdch spole\u010dnost\u00ed prakticky obratem. U mikrop\u016fj\u010dek je ov\u0161em nutn\u00e9 po\u010d\u00edtat s vysok\u00fdmi sankcemi p\u0159i nespl\u00e1cen\u00ed a s vysok\u00fdm \u00farokem.<\/p>\n\n\n\n

P\u016fj\u010dky na v\u011bt\u0161\u00ed objem b\u00fdvaj\u00ed poskytov\u00e1ny jako zaji\u0161t\u011bn\u00e9 \u00fav\u011bry. Ru\u010d\u00ed se nemovit\u00fdm majetkem. P\u016fj\u010dky jsou vhodn\u00e9 pro osoby s nepravideln\u00fdmi p\u0159\u00edjmy nebo pro ty, kte\u0159\u00ed maj\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f. Poskytovatel m\u00e1 jistotu, \u017ee z\u00e1vazek bude spln\u011bn bu\u010f spl\u00e1tkami nebo prodejem majetku p\u0159i dlouhodob\u00e9m nespl\u00e1cen\u00ed. Nebankovn\u00ed hypot\u00e9ky b\u00fdvaj\u00ed poskytov\u00e1ny za vy\u0161\u0161\u00ed \u00farok ne\u017e hypote\u010dn\u00ed \u00fav\u011bry v bance, ale levn\u011bji ne\u017e nap\u0159\u00edklad spot\u0159ebitelsk\u00fd \u00fav\u011br.<\/p>\n\n\n\n

Rizika p\u016fj\u010dky bez dolo\u017een\u00ed p\u0159\u00edjm\u016f<\/h1>\n\n\n\n
    \n
  • Pred\u00e1torsk\u00e9 praktiky poskytovatel\u016f, c\u00edlen\u00e9 na zraniteln\u00e9 spot\u0159ebitele.<\/li>\n\n\n\n
  • Vysok\u00e9 RPSN, skryt\u00e9 poplatky, nep\u0159ehledn\u00e9 smlouvy.<\/li>\n\n\n\n
  • Automatick\u00e9 prodlou\u017een\u00ed smlouvy a r\u016fst n\u00e1klad\u016f.<\/li>\n\n\n\n
  • P\u0159ecen\u011bn\u00ed vlastn\u00edch mo\u017enost\u00ed spl\u00e1cet p\u016fj\u010dku.<\/li>\n<\/ul>\n\n\n\n

    Kdy sjednat p\u016fj\u010dku v bance a kdy zvolit nebankovn\u00ed p\u016fj\u010dku<\/h1>\n\n\n\n

    Obecn\u00fdm pravidlem je, \u017ee pokud m\u00e1te mo\u017enost sjednat p\u016fj\u010dku v bance, m\u011bly by va\u0161e kroky v\u00e9st tam. Banky nab\u00edzej\u00ed ni\u017e\u0161\u00ed \u00faroky a jsou p\u0159\u00edsn\u011b regulovan\u00e9. Kontrola bonity je ochranou jak v\u011b\u0159itele, tak dlu\u017en\u00edka. Banka vyhodnot\u00ed, zda klient nen\u00ed p\u0159edlu\u017een\u00fd.<\/p>\n\n\n\n

    Ne ka\u017ed\u00fd m\u00e1 ale mo\u017enost podat \u017e\u00e1dost v bance, nem\u016f\u017ee dolo\u017eit p\u0159\u00edjmy nebo nepln\u00ed po\u017eadavky na bonitu. Pak je jednou z mo\u017enost\u00ed nebankovn\u00ed p\u016fj\u010dka. V takov\u00e9m p\u0159\u00edpad\u011b je t\u0159eba pe\u010dliv\u011b vyb\u00edrat, porovn\u00e1vat nab\u00eddky, kontrolovat RPSN, poplatky a sankce za opo\u017ed\u011bn\u00e9 spl\u00e1tky.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Flexibiln\u00ed pracovn\u00ed \u00favazky, pr\u00e1ce na dohody nebo podnik\u00e1n\u00ed p\u0159in\u00e1\u0161ej\u00ed v\u011bt\u0161\u00ed svobodu, ale jsou komplikac\u00ed p\u0159i z\u00edsk\u00e1n\u00ed p\u016fj\u010dky. Bez pravideln\u00e9ho p\u0159\u00edjmu v dostate\u010dn\u00e9 v\u00fd\u0161i je cesta k p\u016fj\u010dce trnit\u00e1, zejm\u00e9na v bance. Jak\u00e9 jsou mo\u017enosti v p\u0159\u00edpad\u011b, kdy nem\u016f\u017eete dolo\u017eit p\u0159\u00edjem standardn\u00ed formou? Pr\u00e1ce s nepravidelnou v\u00fd\u0161\u00ed p\u0159\u00edjm\u016f Pry\u010d jsou doby, kdy bylo standardem setrvat v jednom zam\u011bstn\u00e1n\u00ed po des\u00edtky let s pravideln\u00fdm […]<\/p>\n","protected":false},"author":2,"featured_media":557,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[6],"tags":[],"class_list":["post-556","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-navody"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/posts\/556","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=556"}],"version-history":[{"count":1,"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/posts\/556\/revisions"}],"predecessor-version":[{"id":558,"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/posts\/556\/revisions\/558"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/media\/557"}],"wp:attachment":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=556"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=556"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=556"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}