{"id":4682,"date":"2023-01-22T21:28:00","date_gmt":"2023-01-22T20:28:00","guid":{"rendered":"https:\/\/tydenikbydleni.cz\/?p=4682"},"modified":"2023-01-22T21:28:00","modified_gmt":"2023-01-22T20:28:00","slug":"chci-zadat-o-pujcku-ale-nejsem-klasicky-zamestnanec-co-mam-delat","status":"publish","type":"post","link":"https:\/\/tydenikbydleni.cz\/?p=4682","title":{"rendered":"Chci \u017e\u00e1dat o p\u016fj\u010dku, ale nejsem klasick\u00fd zam\u011bstnanec. Co m\u00e1m d\u011blat?"},"content":{"rendered":"\n

P\u0159esto, \u017ee jste typ \u010dlov\u011bka, kter\u00fd m\u00e1 o sv\u00fdch pen\u011bz\u00edch p\u0159ehled a netrp\u00ed nouz\u00ed, m\u016f\u017ee nastat doba, kdy budete pot\u0159ebovat malou finan\u010dn\u00ed v\u00fdpomoc. Jak se ale \u0159e\u0161\u00ed situace, kdy nejste klasick\u00fd zam\u011bstnanec, ale t\u0159eba OSV\u010c nebo pracujete tzv. na dohodu, p\u0159\u00edpadn\u011b jste na rodi\u010dovsk\u00e9?<\/p>\n\n\n\n

N\u011bco se pokazilo a pot\u0159ebujete p\u016fj\u010dku?<\/h2>\n\n\n\n

D\u016fvod\u016f, pro\u010d \u010dlov\u011bk pot\u0159ebuje s\u00e1hnout po p\u016fj\u010dce, m\u016f\u017ee b\u00fdt hodn\u011b. M\u016f\u017ee se nap\u0159\u00edklad rozb\u00edt pra\u010dka, je pot\u0159eba d\u00e1t auto na opravu nebo tis\u00edc dal\u0161\u00edch ne\u010dekan\u00fdch situac\u00ed. A pokud zrovna nem\u00e1te pen\u011b\u017en\u00ed rezervu, nejsp\u00ed\u0161 s\u00e1hnete pr\u00e1v\u011b po p\u016fj\u010dce. Ne v\u0161ichni ale v\u00ed, jak se o takovou pomoc \u017e\u00e1d\u00e1 a jak\u00e9 jsou k tomu pot\u0159eba n\u00e1le\u017eitosti. Je snadn\u00e9 dostat p\u016fj\u010dku?<\/p>\n\n\n\n

A co kdy\u017e nem\u016f\u017eete dolo\u017eit potvrzen\u00ed o zam\u011bstn\u00e1n\u00ed? Pracujete na DPP (dohoda o proveden\u00ed pr\u00e1ce), DP\u010c (dohoda o pracovn\u00ed \u010dinnosti) nebo jste zrovna na mate\u0159sk\u00e9? A co kdy\u017e nepracujete v\u016fbec, jste p\u0159ihl\u00e1\u0161eni na \u00fa\u0159adu pr\u00e1ce, ale nastane nep\u0159\u00edjemn\u00e1 situace a nutn\u011b budete pot\u0159ebovat pen\u011b\u017en\u00ed injekci?<\/p>\n\n\n\n

Hlavn\u00ed pracovn\u00ed pom\u011br a potvrzen\u00ed o zam\u011bstn\u00e1n\u00ed<\/h2>\n\n\n\n

Nejsn\u00e1ze mohou z\u00edskat p\u016fj\u010dku lid\u00e9, kte\u0159\u00ed jsou zam\u011bstn\u00e1ni na HPP (hlavn\u00ed pracovn\u00ed pom\u011br). Je to snadno dolo\u017eiteln\u00e9 vystaven\u00fdm potvrzen\u00edm o zam\u011bstn\u00e1n\u00ed. Ide\u00e1ln\u011b, pokud ji\u017e nejste ve zku\u0161ebn\u00ed dob\u011b a m\u00e1te smlouvu na dobu neur\u010ditou. Takov\u00fd \u010dlov\u011bk je pro poskytovatele d\u016fv\u011bryhodn\u011bj\u0161\u00ed, m\u00e1 jasn\u011b ov\u011b\u0159enou bonitu a p\u016fj\u010dku mu daj\u00ed snadn\u011bji. P\u0159ece jen, pokud m\u00e1te zam\u011bstn\u00e1n\u00ed a st\u00e1l\u00fd p\u0159\u00edjem, je v\u00edce pravd\u011bpodobn\u00e9, \u017ee budete pravideln\u011b spl\u00e1cet. A pokud nebudete, je z \u010deho si pen\u00edze vz\u00edt zp\u011bt.<\/p>\n\n\n\n

Pokud pracujete na jin\u00fd pracovn\u00ed \u00favazek, jste \u017eivnostn\u00edk, v d\u016fchodu, na mate\u0159sk\u00e9, nebo t\u0159eba student, p\u016fj\u010dku si po\u0159\u00e1d vz\u00edt m\u016f\u017eete. Nemus\u00ed to u\u017e ale b\u00fdt tak snadn\u00e9. Hodn\u011b z\u00e1le\u017e\u00ed, u jak\u00e9 bankovn\u00ed nebo nebankovn\u00ed instituce si p\u016fj\u010dku berete, jestli v\u00e1m na \u00fa\u010det pravideln\u011b chod\u00ed pen\u00edze, nem\u00e1te negativn\u00ed z\u00e1pis v registru dlu\u017en\u00edk\u016f a celkov\u011b jste bonitn\u00ed \u017eadatel.<\/p>\n\n\n\n

\u017d\u00e1dost o p\u016fj\u010dku online<\/h2>\n\n\n\n

P\u016fj\u010dka se d\u00e1 \u0159e\u0161it mnoha zp\u016fsoby. M\u016f\u017eete si zaj\u00edt na pobo\u010dku konkr\u00e9tn\u00ed vybran\u00e9 instituce, vz\u00edt si p\u016fj\u010dku p\u0159es telefon nebo z pohodl\u00ed domova online. Tuto mo\u017enost preferuje \u010d\u00edm d\u00e1l v\u00edce lid\u00ed. Je mo\u017en\u00e9 si za\u017e\u00e1dat u banky i nebankovn\u00ed spole\u010dnosti a v\u00fdhodou je, \u017ee nen\u00ed pot\u0159eba fyzicky dokl\u00e1dat potvrzen\u00ed o zam\u011bstn\u00e1n\u00ed od zam\u011bstnavatele.<\/p>\n\n\n\n

Instituce, u kter\u00e9 \u017e\u00e1dost online pod\u00e1v\u00e1te, si vy\u017e\u00e1d\u00e1 doklady, kter\u00e9 jsou pro ni d\u016fle\u017eit\u00e9 v r\u00e1mci posuzov\u00e1n\u00ed va\u0161\u00ed bonity. V\u011bt\u0161inou sta\u010d\u00ed v\u00fdpis z \u00fa\u010dtu, kde je jasn\u00e9, \u017ee v\u00e1m chod\u00ed pen\u00edze, v\u00fdplatn\u00ed p\u00e1sky a dal\u0161\u00ed pap\u00edry zaru\u010duj\u00edc\u00ed, \u017ee m\u00e1te dluh z \u010deho platit.<\/p>\n\n\n\n

Na internetu naraz\u00edte i na nebankovn\u00ed spole\u010dnosti, kter\u00e9 l\u00e1kaj\u00ed na p\u016fj\u010dku bez dokladu, bez potvrzen\u00ed, bez dolo\u017een\u00ed p\u0159\u00edjmu a podobn\u011b. V tomto p\u0159\u00edpad\u011b si instituci ale \u0159\u00e1dn\u011b prov\u011b\u0159te a po\u0159\u00e1dn\u011b si nastudujte podm\u00ednky. Ob\u010das se takov\u00e9 slogany zdaj\u00ed l\u00e1kav\u00e9, ale \u010dlov\u011bk se snadno m\u016f\u017ee dostat do dluhov\u00e9 pasti.<\/p>\n\n\n\n

Kde \u017e\u00e1dat o p\u016fj\u010dku, kdy\u017e pracujete na DPP \u010di DP\u010c? U sv\u00e9 banky!<\/strong><\/h2>\n\n\n\n

Je pot\u0159eba si dob\u0159e rozmyslet, jak\u00fd typ spot\u0159ebitelsk\u00e9ho \u00fav\u011bru a od jak\u00e9 instituce si chcete br\u00e1t. Banky jsou vesm\u011bs d\u016fv\u011bryhodn\u011bj\u0161\u00ed a maj\u00ed lep\u0161\u00ed finan\u010dn\u00ed podm\u00ednky bez zbyte\u010dn\u00fdch pokut a poplatk\u016f a jsou transparentn\u00ed. Pokud se jedn\u00e1 p\u0159\u00edmo o va\u0161i banku, \u010dasto jsou \u00fav\u011bry pro klienty je\u0161t\u011b v\u00fdhodn\u011bj\u0161\u00ed.<\/p>\n\n\n\n

Dal\u0161\u00ed v\u00fdhoda va\u0161\u00ed banky m\u016f\u017ee b\u00fdt p\u016fj\u010dka bez dokladu. Ob\u010das nen\u00ed potvrzen\u00ed o p\u0159\u00edjmu pot\u0159eba, proto\u017ee va\u0161e banka si bonitu ov\u011b\u0159\u00ed kontrolou bankovn\u00edho \u00fa\u010dtu a pohybu pen\u011bz, o kter\u00e9m m\u00e1 p\u0159ehled. Pokud se ale rozhodnete poptat v jin\u00e9 bance, bez potvrzen\u00ed o zam\u011bstn\u00e1n\u00ed by to mohl b\u00fdt probl\u00e9m.<\/p>\n\n\n\n

Je \u0159e\u0161en\u00edm nebankovn\u00ed p\u016fj\u010dka?<\/h2>\n\n\n\n

Z\u00edsk\u00e1n\u00ed spot\u0159ebitelsk\u00e9ho \u00fav\u011bru u nebankovn\u00ed spole\u010dnosti je snaz\u0161\u00ed, rychlej\u0161\u00ed, bez zbyte\u010dn\u00e9 byrokracie a je velk\u00e1 \u0161ance, \u017ee nebankovn\u00ed p\u016fj\u010dka<\/a> bude va\u0161e i pokud pracujete na smlouvu jinou ne\u017e HPP.<\/p>\n\n\n\n

Mnoho spole\u010dnost\u00ed nab\u00edz\u00ed p\u016fj\u010dku bez dokladu, tud\u00ed\u017e necht\u011bj\u00ed \u017e\u00e1dn\u00e9 potvrzen\u00ed. D\u00e1vejte si ale pozor, proto\u017ee v takov\u00fdchto p\u0159\u00edpadech poskytovatel\u00e9 \u010dasto vy\u017eaduj\u00ed ru\u010den\u00ed majetkem, v\u011bt\u0161inou s mnohon\u00e1sobn\u011b v\u011bt\u0161\u00ed hodnotou. Tak\u00e9 si zjist\u011bte, jestli m\u00e1 tato instituce licenci od \u010cNB (kterou m\u00edt ze z\u00e1kona mus\u00ed) a v\u0161echny podm\u00ednky, ke kter\u00fdm se v r\u00e1mci p\u016fj\u010dky upisujete.<\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

OSV\u010c a mo\u017enosti \u00fav\u011bru<\/h2>\n\n\n\n

V dne\u0161n\u00ed dob\u011b mnoho lid\u00ed podnik\u00e1 samo na sebe. \u017divnostn\u00edci pat\u0159\u00ed k siln\u00e9 skupin\u011b obyvatel a proto\u017ee nejsou nikde zam\u011bstn\u00e1ni, p\u0159i \u017e\u00e1dosti o p\u016fj\u010dku mus\u00ed dokl\u00e1dat svoji bonitu da\u0148ov\u00fdm p\u0159izn\u00e1n\u00edm a v\u00fdpisy z \u00fa\u010dt\u016f. Ka\u017ed\u00e1 instituce si m\u016f\u017ee nastavit vlastn\u00ed pravidla ov\u011b\u0159ov\u00e1n\u00ed schopnosti spl\u00e1cet a m\u016f\u017ee po\u017eadovat trochu jin\u00e9 doklady.<\/p>\n\n\n\n

Pokud svoje podnik\u00e1n\u00ed teprve rozj\u00ed\u017ed\u00edte a hodila by se v\u00e1m mal\u00e1 finan\u010dn\u00ed pomoc do za\u010d\u00e1tku, v bance budete muset s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed uk\u00e1zat i sv\u016fj byznys pl\u00e1n. Nen\u00ed mo\u017en\u00e9 si p\u016fj\u010dovat velk\u00e9 sumy a ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f nen\u00ed nutn\u00e1 \u017e\u00e1dn\u00e1 z\u00e1stava.<\/p>\n\n\n\n

U nebankovn\u00edch spole\u010dnost\u00ed jsou podm\u00ednky velmi podobn\u00e9.<\/p>\n\n\n\n

D\u00e1vejte si pozor, o jakou p\u016fj\u010dku \u017e\u00e1d\u00e1te. Pokud si berete podnikatelskou p\u016fj\u010dku, nevztahuje se na ni toti\u017e z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru a m\u00edra ochrany \u017eivnostn\u00edka je men\u0161\u00ed.<\/p>\n\n\n\n

Nepracuj\u00edc\u00ed skupina obyvatel<\/h2>\n\n\n\n

Pokud pracujete nebo podnik\u00e1te, jsou p\u016fj\u010dky pom\u011brn\u011b jasn\u00e9. Ale co kdy\u017e jste t\u0159eba na mate\u0159sk\u00e9, studujete, nebo pob\u00edr\u00e1te d\u016fchod? Jak\u00e1 jsou potom pravidla? A je v\u016fbec mo\u017en\u00e9 na p\u016fj\u010dku dos\u00e1hnout?<\/p>\n\n\n\n

Poskytovatel v\u00e1m vyjde vst\u0159\u00edc, pokud dolo\u017e\u00edte \u0159\u00e1dn\u011b ve\u0161kerou pot\u0159ebnou dokumentaci a potvrd\u00edte t\u00edm, \u017ee m\u00e1te ka\u017ed\u00fd m\u011bs\u00edc sv\u016fj p\u0159\u00edjem. Jestli\u017ee chcete \u017e\u00e1dat o men\u0161\u00ed sumu, sta\u010d\u00ed dolo\u017eit potvrzen\u00ed o rodi\u010dovsk\u00e9m p\u0159\u00edsp\u011bvku, d\u016fchodu nebo nap\u0159\u00edklad pap\u00edr z \u00fa\u0159adu pr\u00e1ce.<\/p>\n\n\n\n

Ohledn\u011b \u00fa\u0159adu pr\u00e1ce je tak\u00e9 d\u016fle\u017eit\u00e9, kolik m\u011bs\u00edc\u016f v\u00e1m bude podporu je\u0161t\u011b vypl\u00e1cet, aby bylo jasn\u00e9, \u017ee se maj\u00ed p\u0159\u00edpadn\u00e9 spl\u00e1tky z \u010deho strh\u00e1vat. Stejn\u011b tak je u d\u016fchodc\u016f d\u016fle\u017eit\u00e1 v\u00fd\u0161ka d\u016fchodu.<\/p>\n\n\n\n

V p\u0159\u00edpad\u011b, \u017ee si o p\u016fj\u010dku bude \u017e\u00e1dat student, nebo v p\u0159\u00edpad\u011b, \u017ee bude \u017eena na mate\u0159sk\u00e9 \u017e\u00e1dat o v\u011bt\u0161\u00ed obnos, bude pot\u0159eba spolu\u017eadatel nebo ru\u010ditel \u00fav\u011bru. Zkr\u00e1tka osoba, kter\u00e1 v p\u0159\u00edpad\u011b nespl\u00e1cen\u00ed bude muset dluh urovnat.<\/p>\n","protected":false},"excerpt":{"rendered":"

P\u0159esto, \u017ee jste typ \u010dlov\u011bka, kter\u00fd m\u00e1 o sv\u00fdch pen\u011bz\u00edch p\u0159ehled a netrp\u00ed nouz\u00ed, m\u016f\u017ee nastat doba, kdy budete pot\u0159ebovat malou finan\u010dn\u00ed v\u00fdpomoc. Jak se ale \u0159e\u0161\u00ed situace, kdy nejste klasick\u00fd zam\u011bstnanec, ale t\u0159eba OSV\u010c nebo pracujete tzv. na dohodu, p\u0159\u00edpadn\u011b jste na rodi\u010dovsk\u00e9? N\u011bco se pokazilo a pot\u0159ebujete p\u016fj\u010dku? D\u016fvod\u016f, pro\u010d \u010dlov\u011bk pot\u0159ebuje s\u00e1hnout […]<\/p>\n","protected":false},"author":1,"featured_media":4684,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[278],"tags":[],"class_list":["post-4682","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-navody"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=\/wp\/v2\/posts\/4682","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4682"}],"version-history":[{"count":0,"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=\/wp\/v2\/posts\/4682\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=\/wp\/v2\/media\/4684"}],"wp:attachment":[{"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4682"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4682"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tydenikbydleni.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4682"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}