{"id":4269,"date":"2026-04-17T08:12:28","date_gmt":"2026-04-17T08:12:28","guid":{"rendered":"https:\/\/www.fticredit.com\/?p=4269"},"modified":"2026-05-22T08:12:28","modified_gmt":"2026-05-22T08:12:28","slug":"ziskejte-svou-prvni-bezplatnou-pujcka-na-op-pro-nezamestnane-pujcku-do-vyplaty","status":"publish","type":"post","link":"https:\/\/www.fticredit.com\/?p=4269","title":{"rendered":"Z\u00edskejte svou prvn\u00ed bezplatnou p\u016fj\u010dka na op pro nezam\u011bstnan\u00e9 p\u016fj\u010dku do v\u00fdplaty"},"content":{"rendered":"<div id=\"toc\" style=\"background: #f9f9f9; border: 1px solid #aaa; display: table; margin-bottom: 1em; padding: 1em; width: 350px;\">\n<p class=\"toctitle\" style=\"font-weight: bold; text-align: center;\">\u010cl\u00e1nky s obsahem<\/p>\n<ul class=\"toc_list\">\n<li><a href=\"#toc-0\">P\u016fj\u010dky do v\u00fdplaty<\/a><\/li>\n<li><a href=\"#toc-1\">Poskytovatel\u00e9 p\u016fj\u010dek do v\u00fdplaty<\/a><\/li>\n<li><a href=\"#toc-2\">Poplatky za p\u016fj\u010dky do v\u00fdplaty<\/a><\/li>\n<li><a href=\"#toc-3\">Alternativy k p\u016fj\u010dk\u00e1m do v\u00fdplaty<\/a><\/li>\n<\/ul>\n<\/div>\n<p>U kr\u00e1tkodob\u00fdch p\u016fj\u010dek obvykle dlu\u017en\u00edk vy\u017eaduj\u00ed, aby vystavil datovan\u00fd \u0161ek na \u010d\u00e1stku p\u016fj\u010dky plus poplatky. Pokud dlu\u017en\u00edk nem\u00e1 dostatek pen\u011bz na splacen\u00ed v\u011b\u0159iteli, m\u016f\u017ee po\u017e\u00e1dat o prodlou\u017een\u00ed lh\u016fty (tzv. roll-over). To se m\u016f\u017ee rychle nas\u010d\u00edtat a v\u00e9st k vysok\u00fdm n\u00e1klad\u016fm. <!--more--> Poskytovatel\u00e9 kr\u00e1tkodob\u00fdch p\u016fj\u010dek nav\u00edc \u010dasto nehl\u00e1s\u00ed historii spl\u00e1cen\u00ed p\u016fj\u010dek \u00fav\u011brov\u00fdm registr\u016fm.<\/p>\n<h2 id=\"toc-0\">P\u016fj\u010dky do v\u00fdplaty<\/h2>\n<p>P\u016fj\u010dky do v\u00fdplaty zn\u00ed jako rychl\u00e9 \u0159e\u0161en\u00ed neo\u010dek\u00e1van\u00e9ho v\u00fddaje, ale dluh se m\u016f\u017ee rychle vymknout kontrole. Aby si dlu\u017en\u00edci mohli p\u016fj\u010dku do v\u00fdplaty sjednat, mus\u00ed si od nich odevzdat elektronick\u00fd p\u0159\u00edstup ke sv\u00fdm bankovn\u00edm \u00fa\u010dt\u016fm, aby jim v\u011b\u0159itel mohl elektronicky spl\u00e1cet jak vyp\u016fj\u010denou \u010d\u00e1stku, tak i poplatky v ka\u017ed\u00fd den v\u00fdplaty, dokud dlu\u017en\u00edk p\u016fj\u010dku nesplat\u00ed v pln\u00e9 v\u00fd\u0161i. Tyto spl\u00e1tkov\u00e9 podm\u00ednky \u010dasto trvaj\u00ed dva t\u00fddny nebo do dal\u0161\u00ed v\u00fdplaty, ale tak\u00e9 maj\u00ed ro\u010dn\u00ed \u00farokov\u00e9 sazby 400 % nebo v\u00edce.<\/p>\n<p>Proces z\u00edsk\u00e1n\u00ed kr\u00e1tkodob\u00e9 p\u016fj\u010dky za\u010d\u00edn\u00e1 vypln\u011bn\u00edm registra\u010dn\u00edho formul\u00e1\u0159e spot\u0159ebiteli bu\u010f v kamenn\u00e9 prodejn\u011b, nebo online. Mus\u00ed poskytnout doklad toto\u017enosti, ned\u00e1vnou v\u00fdplatn\u00ed p\u00e1sku a informace o sv\u00e9m bankovn\u00edm \u00fa\u010dtu. N\u011bkte\u0159\u00ed v\u011b\u0159itel\u00e9 po\u017eaduj\u00ed, aby si dlu\u017en\u00edci s sebou p\u0159inesli hotovost, zat\u00edmco jin\u00ed mohou finan\u010dn\u00ed prost\u0159edky vlo\u017eit p\u0159\u00edmo na jejich bankovn\u00ed \u00fa\u010det. V obou p\u0159\u00edpadech je kr\u00e1tkodob\u00e1 p\u016fj\u010dka a souvisej\u00edc\u00ed poplatky splatn\u00e9 v pln\u00e9 v\u00fd\u0161i do 14 dn\u016f nebo do dal\u0161\u00ed v\u00fdplaty dlu\u017en\u00edka. Pokud dlu\u017en\u00edk nem\u00e1 na sv\u00e9m bankovn\u00edm \u00fa\u010dtu dostatek pen\u011bz na pokryt\u00ed spl\u00e1tky, m\u016f\u017ee po\u017e\u00e1dat o prodlou\u017een\u00ed p\u016fj\u010dky o dal\u0161\u00edch 14 dn\u016f zaplacen\u00edm dal\u0161\u00edch poplatk\u016f.<\/p>\n<p>Alternativami k p\u016fj\u010dk\u00e1m do v\u00fdplaty je po\u017e\u00e1dat zam\u011bstnavatele o z\u00e1lohu na v\u00fdplatu nebo z\u00edskat hotovostn\u00ed z\u00e1lohu z kreditn\u00ed karty. Dal\u0161\u00ed mo\u017enost\u00ed jsou m\u00edstn\u00ed banky a dru\u017estevn\u00ed <a href=\"https:\/\/pujka-online.cz\/pujcka-na-op\/\">p\u016fj\u010dka na op pro nezam\u011bstnan\u00e9<\/a> z\u00e1lo\u017eny, proto\u017ee obvykle poskytuj\u00ed p\u016fj\u010dky do v\u00fdplaty s krat\u0161\u00edmi dobami spl\u00e1cen\u00ed a ni\u017e\u0161\u00edmi \u00farokov\u00fdmi sazbami ne\u017e velc\u00ed celost\u00e1tn\u00ed v\u011b\u0159itel\u00e9. Spot\u0159ebitel\u00e9 se tak\u00e9 mohou informovat u sv\u00fdch m\u00edstn\u00edch kostel\u016f a charitativn\u00edch organizac\u00ed, zda nab\u00edzej\u00ed finan\u010dn\u00ed pomoc v nouzi.<\/p>\n<h2 id=\"toc-1\">Poskytovatel\u00e9 p\u016fj\u010dek do v\u00fdplaty<\/h2>\n<p>Poskytovatel\u00e9 kr\u00e1tkodob\u00fdch p\u016fj\u010dek obvykle poskytuj\u00ed kr\u00e1tkodob\u00e9 p\u016fj\u010dky dlu\u017en\u00edk\u016fm, kte\u0159\u00ed si nemohou dovolit \u010dekat do dal\u0161\u00ed v\u00fdplaty. V tradi\u010dn\u00edm modelu kr\u00e1tkodob\u00fdch p\u016fj\u010dek pro maloobchodn\u00edky dlu\u017en\u00edci nav\u0161t\u00edv\u00ed v\u011b\u0159itele a vystav\u00ed \u0161ek s dodate\u010dn\u00fdm datem na \u010d\u00e1stku p\u016fj\u010dky plus poplatky. V\u011b\u0159itel si pot\u00e9 \u0161ek ponech\u00e1 do dal\u0161\u00ed v\u00fdplaty, kdy mus\u00ed b\u00fdt p\u016fj\u010dka a poplatky splaceny v pln\u00e9 v\u00fd\u0161i.<\/p>\n<p>Spot\u0159ebitel\u00e9 by si m\u011bli pe\u010dliv\u011b vybrat poskytovatele kr\u00e1tkodob\u00fdch p\u016fj\u010dek a vybrat si takov\u00e9ho s rozumn\u00fdmi sazbami a podm\u00ednkami. Krom\u011b kontroly sazeb a podm\u00ednek by se spot\u0159ebitel\u00e9 m\u011bli ujistit, \u017ee m\u00e1 poskytovatel kr\u00e1tkodob\u00fdch p\u016fj\u010dek licenci v jejich st\u00e1t\u011b a dodr\u017euje z\u00e1kony t\u00fdkaj\u00edc\u00ed se kr\u00e1tkodob\u00fdch p\u016fj\u010dek. Poradensk\u00e9 agentury pro spot\u0159ebitelsk\u00e9 \u00fav\u011bry mohou dlu\u017en\u00edk\u016fm tak\u00e9 pomoci naj\u00edt alternativy k kr\u00e1tkodob\u00fdm p\u016fj\u010dk\u00e1m.<\/p>\n<p>Poskytovatel\u00e9 kr\u00e1tkodob\u00fdch p\u016fj\u010dek obvykle p\u0159ed poskytnut\u00edm p\u016fj\u010dky neprov\u00e1d\u011bj\u00ed kontrolu \u00fav\u011bruschopnosti, ale \u010dasto vy\u017eaduj\u00ed doklad o p\u0159\u00edjmu a bankovn\u00ed \u00fa\u010det. Pokud dlu\u017en\u00edk p\u016fj\u010dku nesplat\u00ed v\u010das, m\u016f\u017ee mu v\u011b\u0159itel elektronicky strhnout finan\u010dn\u00ed prost\u0159edky z jeho bankovn\u00edho \u00fa\u010dtu. N\u011bkter\u00e9 st\u00e1ty tuto praxi zak\u00e1zaly. V\u011b\u0159itel m\u016f\u017ee tak\u00e9 nahl\u00e1sit nesplacen\u00fd dluh inkasn\u00ed agentu\u0159e, co\u017e m\u016f\u017ee po\u0161kodit jeho \u00fav\u011brov\u00e9 sk\u00f3re. V\u011bt\u0161ina poskytovatel\u016f kr\u00e1tkodob\u00fdch p\u016fj\u010dek nepod\u00e1v\u00e1 zpr\u00e1vy t\u0159em hlavn\u00edm \u00fav\u011brov\u00fdm registr\u016fm, ale \u010dasto zas\u00edl\u00e1 informace o platb\u00e1ch men\u0161\u00edm agentur\u00e1m. Dlu\u017en\u00edk se tomu m\u016f\u017ee vyhnout t\u00edm, \u017ee najde v\u011b\u0159itele, kter\u00fd \u00fav\u011brov\u00fdm registr\u016fm zpr\u00e1vy pod\u00e1v\u00e1.<\/p>\n<h2 id=\"toc-2\">Poplatky za p\u016fj\u010dky do v\u00fdplaty<\/h2>\n<p>Nen\u00ed pochyb o tom, \u017ee kr\u00e1tkodob\u00e9 p\u016fj\u010dky jsou drah\u00e9. Podle \u00da\u0159adu pro finan\u010dn\u00ed ochranu spot\u0159ebitel\u016f si v\u011b\u0159itel\u00e9 \u00fa\u010dtuj\u00ed poplatek 15 dolar\u016f za ka\u017ed\u00fdch vyp\u016fj\u010den\u00fdch 100 dolar\u016f, co\u017e vyj\u00e1d\u0159eno jako ro\u010dn\u00ed procentn\u00ed sazba (RPSN) \u010din\u00ed t\u00e9m\u011b\u0159 400 %.<\/p>\n<p>Kv\u016fli vysok\u00fdm poplatk\u016fm a kr\u00e1tk\u00fdm spl\u00e1tkov\u00fdm lh\u016ft\u00e1m je mnoho dlu\u017en\u00edk\u016f do v\u00fdplaty nuceno sv\u00e9 p\u016fj\u010dky refinancovat. Je to za\u010darovan\u00fd kruh, kter\u00fd m\u016f\u017ee v\u00e9st k uv\u011bzn\u011bn\u00ed dlu\u017en\u00edk\u016f v nekone\u010dn\u00e9 dluhov\u00e9 spir\u00e1le.<\/p>\n<p>P\u0159i \u017e\u00e1dosti o kr\u00e1tkodobou p\u016fj\u010dku spot\u0159ebitel\u00e9 obvykle p\u0159edkl\u00e1daj\u00ed v\u00fdplatn\u00ed p\u00e1sky a bankovn\u00ed v\u00fdpisy jako doklad o p\u0159\u00edjmu. V\u011b\u0159itel pot\u00e9 vyp\u00ed\u0161e \u0161ek, kter\u00fd pokr\u00fdv\u00e1 v\u00fd\u0161i p\u016fj\u010dky plus poplatek, kter\u00fd je dlu\u017en\u00edk povinen slo\u017eit v den sv\u00e9 p\u0159\u00ed\u0161t\u00ed v\u00fdplaty. V\u011b\u0159itel\u00e9 tak\u00e9 po\u017eaduj\u00ed povolen\u00ed k elektronick\u00e9mu v\u00fdb\u011bru v\u00edce plateb z bankovn\u00edho \u00fa\u010dtu dlu\u017en\u00edka v ka\u017ed\u00fd den splatnosti.<\/p>\n<p>I kdy\u017e je t\u011b\u017ek\u00e9 se vyhnout poskytovatel\u016fm kr\u00e1tkodob\u00fdch p\u016fj\u010dek, dlu\u017en\u00edci si mohou prov\u00e9st pr\u016fzkum a pokusit se naj\u00edt lep\u0161\u00ed sazby. Mohou se tak\u00e9 obr\u00e1tit na m\u00edstn\u00ed dru\u017estevn\u00ed z\u00e1lo\u017eny a banky, kter\u00e9 mohou nab\u00edzet men\u0161\u00ed kr\u00e1tkodob\u00e9 p\u016fj\u010dky s l\u00e9pe zvl\u00e1dnuteln\u00fdmi podm\u00ednkami spl\u00e1cen\u00ed. A kone\u010dn\u011b, mohou se v\u017edy pod\u00edvat na peer-to-peer p\u016fj\u010dky, kter\u00e9 je mohou spojit s v\u011b\u0159iteli nab\u00edzej\u00edc\u00edmi mnohem ni\u017e\u0161\u00ed \u00farokov\u00e9 sazby \u2013 bl\u00ed\u017e\u00edc\u00ed se 35 % ne\u017e 391 %, kter\u00e9 si \u00fa\u010dtuj\u00ed poskytovatel\u00e9 kr\u00e1tkodob\u00fdch p\u016fj\u010dek. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f se kr\u00e1tkodob\u00e9 p\u016fj\u010dky objev\u00ed v \u00fav\u011brov\u00e9 zpr\u00e1v\u011b, i kdy\u017e jejich vliv na va\u0161i bonitu z\u00e1vis\u00ed na tom, zda spl\u00e1c\u00edte v\u010das, a na dal\u0161\u00edch faktorech.<\/p>\n<h2 id=\"toc-3\">Alternativy k p\u016fj\u010dk\u00e1m do v\u00fdplaty<\/h2>\n<p>Pokud m\u00e1te nedostatek pen\u011bz a \u0161patnou \u00fav\u011brovou historii, m\u016f\u017ee se zd\u00e1t l\u00e1kav\u00e9 vz\u00edt si kr\u00e1tkodobou p\u016fj\u010dku. Tyto p\u016fj\u010dky v\u0161ak mohou b\u00fdt spojeny s astronomick\u00fdmi poplatky a n\u00e1klady, kter\u00e9 v\u00e1s ve skute\u010dnosti mohou dostat do hor\u0161\u00edho stavu ne\u017e d\u0159\u00edve. Na\u0161t\u011bst\u00ed existuje \u0159ada alternativ k kr\u00e1tkodob\u00fdm p\u016fj\u010dk\u00e1m, kter\u00e9 m\u016f\u017eete vyzkou\u0161et, pokud pot\u0159ebujete rychl\u00fd p\u0159\u00edstup k hotovosti.<\/p>\n<p>Poskytovatel\u00e9 p\u016fj\u010dek do v\u00fdplaty obvykle po\u017eaduj\u00ed, abyste jim vydali \u0161ek nebo autorizaci k v\u00fdb\u011bru finan\u010dn\u00edch prost\u0159edk\u016f z va\u0161eho bankovn\u00edho \u00fa\u010dtu, co\u017e m\u016f\u017ee b\u00fdt katastrof\u00e1ln\u00ed, pokud nejste schopni p\u016fj\u010dku splatit v\u010das. To m\u016f\u017ee v\u00e9st k cyklu dluh\u016f, kter\u00e9 v\u00e1s budou st\u00e1t v\u00edce, ne\u017e je p\u016fvodn\u00ed v\u00fd\u0161e p\u016fj\u010dky.<\/p>\n<p>Dal\u0161\u00ed alternativou k p\u016fj\u010dk\u00e1m do v\u00fdplaty je spl\u00e1tkov\u00e1 p\u016fj\u010dka od tradi\u010dn\u00edho v\u011b\u0159itele, platforma pro peer-to-peer p\u016fj\u010dky nebo osobn\u00ed \u00fav\u011brov\u00fd r\u00e1mec z va\u0161\u00ed kreditn\u00ed karty. Tyto mo\u017enosti maj\u00ed obvykle mnohem ni\u017e\u0161\u00ed \u00farokov\u00e9 sazby ne\u017e p\u016fj\u010dky do v\u00fdplaty a lze je splatit b\u011bhem n\u011bkolika m\u011bs\u00edc\u016f.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u010cl\u00e1nky s obsahem P\u016fj\u010dky do v\u00fdplaty Poskytovatel\u00e9 p\u016fj\u010dek do v\u00fdplaty Poplatky za p\u016fj\u010dky do v\u00fdplaty Alternativy k p\u016fj\u010dk\u00e1m do v\u00fdplaty [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/www.fticredit.com\/index.php?rest_route=\/wp\/v2\/posts\/4269"}],"collection":[{"href":"https:\/\/www.fticredit.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fticredit.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fticredit.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fticredit.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4269"}],"version-history":[{"count":1,"href":"https:\/\/www.fticredit.com\/index.php?rest_route=\/wp\/v2\/posts\/4269\/revisions"}],"predecessor-version":[{"id":4270,"href":"https:\/\/www.fticredit.com\/index.php?rest_route=\/wp\/v2\/posts\/4269\/revisions\/4270"}],"wp:attachment":[{"href":"https:\/\/www.fticredit.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4269"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fticredit.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4269"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fticredit.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4269"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}