{"id":22182,"date":"2023-06-13T13:55:21","date_gmt":"2023-06-13T11:55:21","guid":{"rendered":"https:\/\/www.euroekonom.sk\/?p=22182"},"modified":"2024-05-13T14:56:49","modified_gmt":"2024-05-13T12:56:49","slug":"podmienky-na-ziskanie-uveru-v-nebankovkach","status":"publish","type":"post","link":"https:\/\/www.vrtulniky.sk\/news\/podmienky-na-ziskanie-uveru-v-nebankovkach\/","title":{"rendered":"Podmienky na z\u00edskanie \u00faveru v nebankovk\u00e1ch"},"content":{"rendered":"<p><strong>Potrebujete si po\u017ei\u010da\u0165, ale v banke v\u00e1s odmietli? Rie\u0161en\u00edm v takejto situ\u00e1cii je nebankov\u00e1 p\u00f4\u017ei\u010dka. Podmienky na z\u00edskanie \u00faveru v nebankovk\u00e1ch nie s\u00fa tak\u00e9 pr\u00edsne ako v bank\u00e1ch. V mnoh\u00fdch pr\u00edpadoch si tak m\u00f4\u017eete vybavi\u0165 peniaze u\u017e do p\u00e1r min\u00fat a bez dokladovania pr\u00edjmu. Treba v\u0161ak po\u010d\u00edta\u0165 aj s nev\u00fdhodami a rizikami. Pre\u010d\u00edtajte si o tom v na\u0161om \u010dl\u00e1nku.<\/strong><\/p>\n<h2>O nebankovej p\u00f4\u017ei\u010dke v\u0161eobecne<\/h2>\n<p>Nebankov\u00e9 p\u00f4\u017ei\u010dky s\u00fa zn\u00e1me a vyu\u017e\u00edvan\u00e9 najm\u00e4 kv\u00f4li <strong>menej pr\u00edsnym podmienkam poskytovania<\/strong>. To v\u0161ak ale neznamen\u00e1, \u017ee nebankovka si nebude preverova\u0165 va\u0161u <strong>bonitu<\/strong>. \u010c\u00edm vy\u0161\u0161ia va\u0161a bonita bude, t\u00fdm ni\u017e\u0161\u00ed \u00farok m\u00f4\u017eete v nebankovke z\u00edska\u0165. V princ\u00edpe to funguje podobne ako v bank\u00e1ch.<br \/>\nNebankovky a banky maj\u00fa toto\u017en\u00e9 pravidl\u00e1 aj pri \u00faverov\u00fdch zmluv\u00e1ch. S\u00fa to:<\/p>\n<ul>\n<li><strong>identifik\u00e1cia zmluvn\u00fdch str\u00e1n<\/strong> \u2013 verite\u013e a dl\u017en\u00edk,<\/li>\n<li><strong>v\u00fd\u0161ka po\u017ei\u010danej sumy,<\/strong><\/li>\n<li><strong>forma a d\u013a\u017eka spl\u00e1cania<\/strong> \u2013 v\u00fd\u0161ka jednotliv\u00fdch mesa\u010dn\u00fdch spl\u00e1tok, \u00farokov\u00e1 sadzba, RPMN (ro\u010dn\u00e1 percentu\u00e1lna miera n\u00e1kladov),<\/li>\n<li><strong>pr\u00e1va a povinnosti verite\u013ea aj dl\u017en\u00edka<\/strong>,<\/li>\n<li><strong>zabezpe\u010denie p\u00f4\u017ei\u010dky<\/strong> \u2013 napr\u00edklad poistenie \u00faveru (ak si ho dl\u017en\u00edk uzavrel).<\/li>\n<\/ul>\n<p>Po podpise zmluvy vyplat\u00ed <strong>nebankovka dl\u017en\u00edkovi stanoven\u00fa v\u00fd\u0161ku \u00faveru<\/strong> \u2013 v hotovosti alebo na bankov\u00fd \u00fa\u010det.<br \/>\nNaj\u010dastej\u0161ie <strong>d\u00f4vody pre p\u00f4\u017ei\u010dku z nebankovky a bez dokladovania pr\u00edjmu<\/strong> s\u00fa nasledovn\u00e9:<\/p>\n<ul>\n<li><strong>Ni\u017e\u0161\u00ed pr\u00edjem, ako m\u00e1te v skuto\u010dnosti <\/strong>\u2013 ne\u010destn\u00fd sp\u00f4sob niektor\u00fdch zamestn\u00e1vate\u013eov. Zamestn\u00e1vate\u013e za va\u0161u pr\u00e1cu plat\u00ed ni\u017e\u0161ie odvody do Soci\u00e1lnej pois\u0165ovne. Banky v\u0161ak oh\u013eadom pr\u00edjmu zauj\u00edma pr\u00e1ve t\u00e1to inform\u00e1cia.<\/li>\n<li><strong>\u017diadny zamestnaneck\u00fd pomer<\/strong> \u2013 aj napriek tomu, \u017ee m\u00e1te bo\u010dn\u00fd pr\u00edjem (invalidn\u00fd d\u00f4chodok, v\u00fd\u017eivn\u00e9\u2026), banka v\u00e1s automaticky zarad\u00ed do rizikovej skupiny \u017eiadate\u013eov bez pr\u00edjmu.<\/li>\n<\/ul>\n<h3>TIP<\/h3>\n<p>Ako prv\u00e9 si pri bankovej a nebankovej p\u00f4\u017ei\u010dke preverte, ak\u00e1 je v\u00fd\u0161ka ro\u010dnej percentu\u00e1lnej miery n\u00e1kladov. Nebankov\u00e9 spolo\u010dnosti po\u010d\u00edtaj\u00fa s vy\u0161\u0161\u00edm rizikom nespl\u00e1cania \u00faveru, \u010do si premietaj\u00fa aj do v\u00fd\u0161ky \u00farokov. Ide\u00e1lnym sp\u00f4sobom je online porovnanie nebankov\u00fdch p\u00f4\u017ei\u010diek.<\/p>\n<h2>Na \u010do si da\u0165 pozor pri nebankovej p\u00f4\u017ei\u010dke?<\/h2>\n<p>P\u00f4\u017ei\u010dku od nebankovky rie\u0161ia klienti v\u00e4\u010d\u0161inou v pr\u00edpade, ak ich v banke odmietnu a zaradia <strong>do rizikovej skupiny \u017eiadate\u013eov<\/strong>, napr\u00edklad pre nedostato\u010dn\u00fd pr\u00edjem. V prvom rade si treba preto uvedomi\u0165, \u017ee aj ke\u010f v\u00e1m nebankovka p\u00f4\u017ei\u010dku poskytne, spl\u00e1tky bud\u00fa ove\u013ea vy\u0161\u0161ie. Je to z d\u00f4vodu <strong>vy\u0161\u0161\u00edch \u00farokov a krat\u0161ej doby spl\u00e1cania<\/strong>. Zv\u00e1\u017ete preto, \u010di v\u00e1\u0161 pr\u00edjem bude dostato\u010dn\u00fd.<br \/>\nPri nebankovke je tie\u017e ve\u013emi d\u00f4le\u017eit\u00e9 zisti\u0165 si podmienky poskytnutia p\u00f4\u017ei\u010dky, ak\u00e9 s\u00fa v danej nebankovke <strong>sank\u010dn\u00e9 poplatky<\/strong> a ako kon\u00e1 v pr\u00edpade nespl\u00e1cania p\u00f4\u017ei\u010dky. V tomto smere je dobr\u00fdm n\u00e1padom pozrie\u0165 si <strong>referencie<\/strong> danej spolo\u010dnosti, pr\u00edpadne aj ich webov\u00fa str\u00e1nku.<br \/>\nPam\u00e4tajte, \u017ee v bank\u00e1ch aj seri\u00f3znych nebankovk\u00e1ch s\u00fa <strong>sankcie limitovan\u00e9 z\u00e1konom<\/strong>, pri\u010dom sa odv\u00edjaj\u00fa od aktu\u00e1lnej \u00farokovej sadzby Eur\u00f3pskej centr\u00e1lnej banky.<br \/>\nNebankov\u00e9 spolo\u010dnosti s\u00fa na Slovensku pod doh\u013eadom <strong>N\u00e1rodnej banky Slovenska<\/strong>. Napriek tomu sa na trhu e\u0161te st\u00e1le nach\u00e1dzaj\u00fa nebankovky, ktor\u00e9 poru\u0161uj\u00fa pravidl\u00e1.<br \/>\nNajd\u00f4le\u017eitej\u0161\u00edm krit\u00e9riom, ktor\u00e9 treba zoh\u013eadni\u0165 pri v\u00fdbere konkr\u00e9tneho finan\u010dn\u00e9ho produktu, je jeho kone\u010dn\u00e1 cena \u2013 <strong>celkov\u00e9 n\u00e1klady spojen\u00e9 s \u00faverom<\/strong>. Ako u\u017e bolo v \u010dl\u00e1nku zmienen\u00e9, t\u00fato inform\u00e1ciu v\u00e1m napovie ro\u010dn\u00e1 percentu\u00e1lna miera n\u00e1kladov (RPMN).<br \/>\n<img loading=\"lazy\" decoding=\"async\" class=\"wp-image-22185 aligncenter\" src=\"https:\/\/www.euroekonom.sk\/wp-content\/2022\/06\/nebankova-pozicka2-1024x683.jpg\" alt=\"Nebankov\u00e1 p\u00f4\u017ei\u010dka\" width=\"750\" height=\"500\" \/><\/p>\n<h3>Doba splatnosti<\/h3>\n<p>Nebankovky v\u00e4\u010d\u0161inou poskytuj\u00fa r\u00fdchle p\u00f4\u017ei\u010dky. Okrem toho, \u017ee peniaze dostanete r\u00fdchlo (online p\u00f4\u017ei\u010dka sa d\u00e1 vybavi\u0165 do p\u00e1r min\u00fat), p\u00f4\u017ei\u010dku bude <strong>treba aj r\u00fdchlo splati\u0165<\/strong>. Naopak, banky aj pri relat\u00edvne mal\u00fdch sum\u00e1ch dok\u00e1\u017eu poskytn\u00fa\u0165 dlh\u0161iu dobu splatnosti, a t\u00fdm aj ni\u017e\u0161iu mesa\u010dn\u00fa spl\u00e1tku.<br \/>\nNebankov\u00e9 spolo\u010dnosti s\u00fa preto v\u00fdhodnej\u0161ie najm\u00e4 pre klientov, ktor\u00ed chc\u00fa ma\u0165 <strong>p\u00f4\u017ei\u010dku r\u00fdchlo splaten\u00fa<\/strong>. Napr\u00edklad sumy do 1000 eur sa v nebankovk\u00e1ch zvy\u010dajne spl\u00e1caj\u00fa v priemere do 30 dn\u00ed. Samozrejme, t\u00fato dobu si m\u00f4\u017eete za pr\u00edplatok pred\u013a\u017ei\u0165.<\/p>\n<h3>Vedeli ste, \u017ee\u2026<\/h3>\n<p>\u2026 najjednoduch\u0161ie m\u00f4\u017eete z\u00edska\u0165 p\u00f4\u017ei\u010dku formou kontokorentn\u00e9ho \u00faveru? Ide o povolen\u00e9 pre\u010derpanie bankov\u00e9ho \u00fa\u010dtu. Predstavuje ide\u00e1lne rie\u0161enie v pr\u00edpade, ak treba zaplati\u0165 ne\u010dakan\u00fa finan\u010dn\u00fa poh\u013ead\u00e1vku alebo sa v\u00e1m doma pokaz\u00ed nejak\u00fd spotrebi\u010d.<\/p>\n<h2>V\u00fdhody nebankovej p\u00f4\u017ei\u010dky<\/h2>\n<p>Vo v\u0161eobecnosti m\u00f4\u017eeme <strong>v\u00fdhody nebankovej p\u00f4\u017ei\u010dky<\/strong> zosumarizova\u0165 nasledovne:<\/p>\n<ul>\n<li>dok\u00e1\u017eete si ju vybavi\u0165 aj <strong>z pohodlia domova<\/strong> \u2013 online p\u00f4\u017ei\u010dka,<\/li>\n<li>priebeh vybavenia p\u00f4\u017ei\u010dky je<strong> jednoduch\u00fd a r\u00fdchly<\/strong> \u2013 peniaze s\u00fa na \u00fa\u010dte u\u017e do nieko\u013ek\u00fdch min\u00fat po schv\u00e1len\u00ed p\u00f4\u017ei\u010dky,<\/li>\n<li><strong>bez\u00fa\u010delov\u00fd \u00faver<\/strong> \u2013 pri nebankov\u00fdch p\u00f4\u017ei\u010dk\u00e1ch nie je potrebn\u00e9 dokladova\u0165 \u00fa\u010del p\u00f4\u017ei\u010dky,<\/li>\n<li><strong>flexibiln\u00e9 podmienky<\/strong> \u2013 online p\u00f4\u017ei\u010dky s\u00fa dostupn\u00e9 pre v\u0161etk\u00fdch nad 18 rokov s pravideln\u00fdm pr\u00edjmom (nemus\u00ed by\u0165 iba zamestnaneck\u00fd alebo podnikate\u013esk\u00fd),<\/li>\n<li>ru\u010denie \u2013 <strong>nevy\u017eaduje sa<\/strong>,<\/li>\n<li><strong>\u017eiadne poplatky<\/strong> \u2013 ani za zriadenie, ani za pred\u010dasn\u00e9 splatenie \u00faveru,<\/li>\n<li><strong>vernostn\u00fd program<\/strong> \u2013 niektor\u00e9 nebankovky pon\u00fakaj\u00fa opakovan\u00fdm \u017eiadate\u013eom v\u00fdhody (ni\u017e\u0161ie \u00faroky, v\u00e4\u010d\u0161ie sumy na po\u017ei\u010danie, pred\u013a\u017eenie splatnosti\u2026),<\/li>\n<li><strong>men\u0161ie p\u00f4\u017ei\u010dky<\/strong> \u2013 m\u00f4\u017eete si po\u017ei\u010da\u0165 mal\u00fa sumu v desiatkach eur aj v\u00e4\u010d\u0161ie obnosy v tis\u00edcoch.<\/li>\n<\/ul>\n<h2>Nev\u00fdhody nebankovej p\u00f4\u017ei\u010dky<\/h2>\n<p><strong>M\u00ednusy nebankovej p\u00f4\u017ei\u010dky<\/strong> vyzeraj\u00fa nasledovne:<\/p>\n<ul>\n<li><strong>podmienky poskytovania \u00faverov<\/strong> \u2013 ob\u010das b\u00fdvaj\u00fa nepreh\u013eadn\u00e9, treba si ich d\u00f4kladne na\u0161tudova\u0165,<\/li>\n<li><strong>vysok\u00e9 \u00faroky a RPMN<\/strong> \u2013 v\u00fdrazn\u00e9 preplatenie po\u017ei\u010danej sumy,<\/li>\n<li><strong>kr\u00e1tka doba splatnosti<\/strong> \u2013 je d\u00f4vodom vy\u0161\u0161\u00edch spl\u00e1tok,<\/li>\n<li><strong>pred\u013a\u017eenie doby spl\u00e1cania<\/strong> \u2013 v\u00e4\u010d\u0161inou za poplatok, ktor\u00fd nemus\u00ed by\u0165 mal\u00fd,<\/li>\n<li><strong>riziko exek\u00facie<\/strong> \u2013 naj\u010dastej\u0161ie z d\u00f4vodu nespl\u00e1cania a opakovan\u00e9ho me\u0161kania spl\u00e1tok.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-22184\" src=\"https:\/\/www.euroekonom.sk\/wp-content\/2022\/06\/nebankova-pozicka3-1024x659.jpg\" alt=\"Nebankov\u00e1 p\u00f4\u017ei\u010dka\" width=\"750\" height=\"483\" \/><\/p>\n<h2>Z\u00e1ver<\/h2>\n<p>Pre rizikov\u00fa skupinu \u017eiadate\u013eov je nebankov\u00e1 p\u00f4\u017ei\u010dka \u010dasto jedinou mo\u017enos\u0165ou. M\u00f4\u017eete si r\u00fdchlo po\u017ei\u010da\u0165 mal\u00e9 sumy, a to bez \u010fal\u0161\u00edch poplatkov. Medzi jej nev\u00fdhody v\u0161ak patria vysok\u00e9 \u00faroky \u010di kr\u00e1tka doba splatnosti. V kone\u010dnom d\u00f4sledku sa tak p\u00f4\u017ei\u010dka v\u00fdrazne prepl\u00e1ca.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Potrebujete si po\u017ei\u010da\u0165, ale v banke v\u00e1s odmietli? Rie\u0161en\u00edm v takejto situ\u00e1cii je nebankov\u00e1 p\u00f4\u017ei\u010dka. Podmienky na z\u00edskanie \u00faveru v nebankovk\u00e1ch nie s\u00fa tak\u00e9 pr\u00edsne &hellip; <\/p>\n","protected":false},"author":5,"featured_media":25020,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23,551],"tags":[310,519,87],"class_list":["post-22182","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financie","category-podnikam","tag-banky","tag-nebankove-institucie","tag-pozicka"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Nebankov\u00e1 p\u00f4\u017ei\u010dka: Pre a proti<\/title>\n<meta name=\"description\" content=\"Podmienky na z\u00edskanie \u00faveru v nebankovk\u00e1ch nie s\u00fa tak\u00e9 pr\u00edsne ako v bank\u00e1ch. Treba v\u0161ak po\u010d\u00edta\u0165 aj s nev\u00fdhodami a rizikami. Pre\u010d\u00edtajte si o tom v na\u0161om \u010dl\u00e1nku.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.vrtulniky.sk\/news\/podmienky-na-ziskanie-uveru-v-nebankovkach\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nebankov\u00e1 p\u00f4\u017ei\u010dka: Pre a proti\" \/>\n<meta property=\"og:description\" content=\"Podmienky na z\u00edskanie \u00faveru v nebankovk\u00e1ch nie s\u00fa tak\u00e9 pr\u00edsne ako v bank\u00e1ch. Treba v\u0161ak po\u010d\u00edta\u0165 aj s nev\u00fdhodami a rizikami. Pre\u010d\u00edtajte si o tom v na\u0161om \u010dl\u00e1nku.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.vrtulniky.sk\/news\/podmienky-na-ziskanie-uveru-v-nebankovkach\/\" \/>\n<meta property=\"og:site_name\" content=\"Podnik\u00e1m, lietam a relaxujem\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/vrtulniky\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-06-13T11:55:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-13T12:56:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.vrtulniky.sk\/news\/wp-content\/uploads\/2022\/08\/zakladne-pravnicke-terminy5.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1575\" \/>\n\t<meta property=\"og:image:height\" content=\"1046\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Marta\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marta\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 min\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/podmienky-na-ziskanie-uveru-v-nebankovkach\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/podmienky-na-ziskanie-uveru-v-nebankovkach\\\/\"},\"author\":{\"name\":\"Marta\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#\\\/schema\\\/person\\\/c0a8939002b2237daa4a1bd4f544e01f\"},\"headline\":\"Podmienky na z\u00edskanie \u00faveru v nebankovk\u00e1ch\",\"datePublished\":\"2023-06-13T11:55:21+00:00\",\"dateModified\":\"2024-05-13T12:56:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/podmienky-na-ziskanie-uveru-v-nebankovkach\\\/\"},\"wordCount\":1144,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/podmienky-na-ziskanie-uveru-v-nebankovkach\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/zakladne-pravnicke-terminy5.jpg\",\"keywords\":[\"banky\",\"nebankov\u00e9 in\u0161tit\u00facie\",\"p\u00f4\u017ei\u010dka\"],\"articleSection\":[\"Financie\",\"Podnik\u00e1m\"],\"inLanguage\":\"sk-SK\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/podmienky-na-ziskanie-uveru-v-nebankovkach\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/podmienky-na-ziskanie-uveru-v-nebankovkach\\\/\",\"url\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/podmienky-na-ziskanie-uveru-v-nebankovkach\\\/\",\"name\":\"Nebankov\u00e1 p\u00f4\u017ei\u010dka: Pre a proti\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/podmienky-na-ziskanie-uveru-v-nebankovkach\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/podmienky-na-ziskanie-uveru-v-nebankovkach\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/zakladne-pravnicke-terminy5.jpg\",\"datePublished\":\"2023-06-13T11:55:21+00:00\",\"dateModified\":\"2024-05-13T12:56:49+00:00\",\"description\":\"Podmienky na z\u00edskanie \u00faveru v nebankovk\u00e1ch nie s\u00fa tak\u00e9 pr\u00edsne ako v bank\u00e1ch. Treba v\u0161ak po\u010d\u00edta\u0165 aj s nev\u00fdhodami a rizikami. Pre\u010d\u00edtajte si o tom v na\u0161om \u010dl\u00e1nku.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/podmienky-na-ziskanie-uveru-v-nebankovkach\\\/#breadcrumb\"},\"inLanguage\":\"sk-SK\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/podmienky-na-ziskanie-uveru-v-nebankovkach\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"sk-SK\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/podmienky-na-ziskanie-uveru-v-nebankovkach\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/zakladne-pravnicke-terminy5.jpg\",\"contentUrl\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/zakladne-pravnicke-terminy5.jpg\",\"width\":1575,\"height\":1046},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/podmienky-na-ziskanie-uveru-v-nebankovkach\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Podmienky na z\u00edskanie \u00faveru v nebankovk\u00e1ch\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#website\",\"url\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/\",\"name\":\"Podnik\u00e1m, lietam a relaxujem\",\"description\":\"Vrtu\u013en\u00edky.sk\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"sk-SK\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#organization\",\"name\":\"Podnik\u00e1m, lietam a relaxujem\",\"url\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"sk-SK\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/news-vrtulniky-sk-logo-e1660318023553.png\",\"contentUrl\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/news-vrtulniky-sk-logo-e1660318023553.png\",\"width\":201,\"height\":200,\"caption\":\"Podnik\u00e1m, lietam a relaxujem\"},\"image\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/vrtulniky\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#\\\/schema\\\/person\\\/c0a8939002b2237daa4a1bd4f544e01f\",\"name\":\"Marta\",\"url\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/author\\\/inzercia\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Nebankov\u00e1 p\u00f4\u017ei\u010dka: Pre a proti","description":"Podmienky na z\u00edskanie \u00faveru v nebankovk\u00e1ch nie s\u00fa tak\u00e9 pr\u00edsne ako v bank\u00e1ch. Treba v\u0161ak po\u010d\u00edta\u0165 aj s nev\u00fdhodami a rizikami. Pre\u010d\u00edtajte si o tom v na\u0161om \u010dl\u00e1nku.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.vrtulniky.sk\/news\/podmienky-na-ziskanie-uveru-v-nebankovkach\/","og_locale":"sk_SK","og_type":"article","og_title":"Nebankov\u00e1 p\u00f4\u017ei\u010dka: Pre a proti","og_description":"Podmienky na z\u00edskanie \u00faveru v nebankovk\u00e1ch nie s\u00fa tak\u00e9 pr\u00edsne ako v bank\u00e1ch. Treba v\u0161ak po\u010d\u00edta\u0165 aj s nev\u00fdhodami a rizikami. Pre\u010d\u00edtajte si o tom v na\u0161om \u010dl\u00e1nku.","og_url":"https:\/\/www.vrtulniky.sk\/news\/podmienky-na-ziskanie-uveru-v-nebankovkach\/","og_site_name":"Podnik\u00e1m, lietam a relaxujem","article_publisher":"https:\/\/www.facebook.com\/vrtulniky\/","article_published_time":"2023-06-13T11:55:21+00:00","article_modified_time":"2024-05-13T12:56:49+00:00","og_image":[{"width":1575,"height":1046,"url":"https:\/\/www.vrtulniky.sk\/news\/wp-content\/uploads\/2022\/08\/zakladne-pravnicke-terminy5.jpg","type":"image\/jpeg"}],"author":"Marta","twitter_card":"summary_large_image","twitter_misc":{"Autor":"Marta","Predpokladan\u00fd \u010das \u010d\u00edtania":"5 min\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.vrtulniky.sk\/news\/podmienky-na-ziskanie-uveru-v-nebankovkach\/#article","isPartOf":{"@id":"https:\/\/www.vrtulniky.sk\/news\/podmienky-na-ziskanie-uveru-v-nebankovkach\/"},"author":{"name":"Marta","@id":"https:\/\/www.vrtulniky.sk\/news\/#\/schema\/person\/c0a8939002b2237daa4a1bd4f544e01f"},"headline":"Podmienky na z\u00edskanie \u00faveru v nebankovk\u00e1ch","datePublished":"2023-06-13T11:55:21+00:00","dateModified":"2024-05-13T12:56:49+00:00","mainEntityOfPage":{"@id":"https:\/\/www.vrtulniky.sk\/news\/podmienky-na-ziskanie-uveru-v-nebankovkach\/"},"wordCount":1144,"commentCount":0,"publisher":{"@id":"https:\/\/www.vrtulniky.sk\/news\/#organization"},"image":{"@id":"https:\/\/www.vrtulniky.sk\/news\/podmienky-na-ziskanie-uveru-v-nebankovkach\/#primaryimage"},"thumbnailUrl":"https:\/\/www.vrtulniky.sk\/news\/wp-content\/uploads\/2022\/08\/zakladne-pravnicke-terminy5.jpg","keywords":["banky","nebankov\u00e9 in\u0161tit\u00facie","p\u00f4\u017ei\u010dka"],"articleSection":["Financie","Podnik\u00e1m"],"inLanguage":"sk-SK","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.vrtulniky.sk\/news\/podmienky-na-ziskanie-uveru-v-nebankovkach\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.vrtulniky.sk\/news\/podmienky-na-ziskanie-uveru-v-nebankovkach\/","url":"https:\/\/www.vrtulniky.sk\/news\/podmienky-na-ziskanie-uveru-v-nebankovkach\/","name":"Nebankov\u00e1 p\u00f4\u017ei\u010dka: Pre a proti","isPartOf":{"@id":"https:\/\/www.vrtulniky.sk\/news\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.vrtulniky.sk\/news\/podmienky-na-ziskanie-uveru-v-nebankovkach\/#primaryimage"},"image":{"@id":"https:\/\/www.vrtulniky.sk\/news\/podmienky-na-ziskanie-uveru-v-nebankovkach\/#primaryimage"},"thumbnailUrl":"https:\/\/www.vrtulniky.sk\/news\/wp-content\/uploads\/2022\/08\/zakladne-pravnicke-terminy5.jpg","datePublished":"2023-06-13T11:55:21+00:00","dateModified":"2024-05-13T12:56:49+00:00","description":"Podmienky na z\u00edskanie \u00faveru v nebankovk\u00e1ch nie s\u00fa tak\u00e9 pr\u00edsne ako v bank\u00e1ch. Treba v\u0161ak po\u010d\u00edta\u0165 aj s nev\u00fdhodami a rizikami. Pre\u010d\u00edtajte si o tom v na\u0161om \u010dl\u00e1nku.","breadcrumb":{"@id":"https:\/\/www.vrtulniky.sk\/news\/podmienky-na-ziskanie-uveru-v-nebankovkach\/#breadcrumb"},"inLanguage":"sk-SK","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.vrtulniky.sk\/news\/podmienky-na-ziskanie-uveru-v-nebankovkach\/"]}]},{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/www.vrtulniky.sk\/news\/podmienky-na-ziskanie-uveru-v-nebankovkach\/#primaryimage","url":"https:\/\/www.vrtulniky.sk\/news\/wp-content\/uploads\/2022\/08\/zakladne-pravnicke-terminy5.jpg","contentUrl":"https:\/\/www.vrtulniky.sk\/news\/wp-content\/uploads\/2022\/08\/zakladne-pravnicke-terminy5.jpg","width":1575,"height":1046},{"@type":"BreadcrumbList","@id":"https:\/\/www.vrtulniky.sk\/news\/podmienky-na-ziskanie-uveru-v-nebankovkach\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.vrtulniky.sk\/news\/"},{"@type":"ListItem","position":2,"name":"Podmienky na z\u00edskanie \u00faveru v nebankovk\u00e1ch"}]},{"@type":"WebSite","@id":"https:\/\/www.vrtulniky.sk\/news\/#website","url":"https:\/\/www.vrtulniky.sk\/news\/","name":"Podnik\u00e1m, lietam a relaxujem","description":"Vrtu\u013en\u00edky.sk","publisher":{"@id":"https:\/\/www.vrtulniky.sk\/news\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.vrtulniky.sk\/news\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"sk-SK"},{"@type":"Organization","@id":"https:\/\/www.vrtulniky.sk\/news\/#organization","name":"Podnik\u00e1m, lietam a relaxujem","url":"https:\/\/www.vrtulniky.sk\/news\/","logo":{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/www.vrtulniky.sk\/news\/#\/schema\/logo\/image\/","url":"https:\/\/www.vrtulniky.sk\/news\/wp-content\/uploads\/2022\/08\/news-vrtulniky-sk-logo-e1660318023553.png","contentUrl":"https:\/\/www.vrtulniky.sk\/news\/wp-content\/uploads\/2022\/08\/news-vrtulniky-sk-logo-e1660318023553.png","width":201,"height":200,"caption":"Podnik\u00e1m, lietam a relaxujem"},"image":{"@id":"https:\/\/www.vrtulniky.sk\/news\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/vrtulniky\/"]},{"@type":"Person","@id":"https:\/\/www.vrtulniky.sk\/news\/#\/schema\/person\/c0a8939002b2237daa4a1bd4f544e01f","name":"Marta","url":"https:\/\/www.vrtulniky.sk\/news\/author\/inzercia\/"}]}},"_links":{"self":[{"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/posts\/22182","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/comments?post=22182"}],"version-history":[{"count":0,"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/posts\/22182\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/media\/25020"}],"wp:attachment":[{"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/media?parent=22182"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/categories?post=22182"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/tags?post=22182"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}