[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.derex.cz\/co-potrebujete-pro-ziskani-pujcky\/#Article","mainEntityOfPage":"https:\/\/www.derex.cz\/co-potrebujete-pro-ziskani-pujcky\/","headline":"Co pot\u0159ebujete pro z\u00edsk\u00e1n\u00ed p\u016fj\u010dky?","name":"Co pot\u0159ebujete pro z\u00edsk\u00e1n\u00ed p\u016fj\u010dky?","description":"Abyste z\u00edskali p\u016fj\u010dku, mus\u00edte se trochu sna\u017eit. Nikde to nefunguje […]","datePublished":"2025-09-07","dateModified":"2025-09-07","author":{"@type":"Person","@id":"https:\/\/www.derex.cz\/author\/#Person","name":"","url":"https:\/\/www.derex.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c607f8cdeb628e1fda71e81e0cbb10854858a188adc366641de57f1cadca520c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c607f8cdeb628e1fda71e81e0cbb10854858a188adc366641de57f1cadca520c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"derex.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.derex.cz\/wp-content\/uploads\/towfiqu-barbhuiya-jpqyfK7GB4w-unsplash_4.jpg","url":"https:\/\/www.derex.cz\/wp-content\/uploads\/towfiqu-barbhuiya-jpqyfK7GB4w-unsplash_4.jpg","height":0,"width":0},"url":"https:\/\/www.derex.cz\/co-potrebujete-pro-ziskani-pujcky\/","about":["Pen\u00edze"],"wordCount":435,"articleBody":"        Abyste z\u00edskali p\u016fj\u010dku, mus\u00edte se trochu sna\u017eit. Nikde to nefunguje tak, \u017ee p\u0159ijdete, \u0159eknete, \u017ee chcete p\u016fj\u010dku a automaticky jo dostanete. Pot\u0159ebujete spl\u0148ovat n\u011bkolik podm\u00ednek, p\u0159\u00edpadn\u011b dolo\u017eit r\u016fzn\u00e9 v\u011bci. Bez toho to prost\u011b nep\u016fjde. Je pravda, \u017ee v\u011bt\u0161ina finan\u010dn\u00edch organizac\u00ed se dnes sna\u017e\u00ed co nejv\u00edc sv\u00fdm klient\u016fm z\u00edsk\u00e1n\u00ed p\u016fj\u010dky usnadnit. Je to p\u0159eci i v jejich vlastn\u00edm z\u00e1jmu. Banky funguj\u00ed p\u0159edev\u0161\u00edm z toho, \u017ee si od nich lid\u00e9 p\u016fj\u010duj\u00ed pen\u00edze. \u00daroky jim pak pom\u00e1haj\u00ed udr\u017eet vlastn\u00ed provoz. Pokud ale chcete p\u016fj\u010dku z\u00edskat, pot\u0159ebujete n\u011bkolik v\u011bc\u00ed.V\u011bkA\u0165 u\u017e si \u017e\u00e1d\u00e1te o spot\u0159ebitelsk\u00fd \u00fav\u011br, hypot\u00e9ku, nebo t\u0159eba jen kreditn\u00ed kartu, mus\u00edte m\u00edt alespo\u0148 18 let. To je d\u00e1no z\u00e1konem a bez toho to zkr\u00e1tka nep\u016fjde. Tak\u017ee pokud nejste plnolet\u00ed, nikdo v\u00e1m \u017e\u00e1dnou p\u016fj\u010dku ned\u00e1.Potvrzen\u00ed o p\u0159\u00edjmuPotvrzen\u00ed o p\u0159\u00edjmu je dokument, kter\u00fd v\u00e1m poskytne zam\u011bstnavatel. Potvrzuje v n\u011bm, jak\u00e9 jsou va\u0161e p\u0159\u00edjmy a \u017ee poch\u00e1z\u00ed pr\u00e1v\u011b od firmy, u kter\u00e9 jste zam\u011bstnan\u00ed. Pod\u00edvat se m\u016f\u017eete na potvrzen\u00ed o p\u0159\u00edjmu FAHD pro lep\u0161\u00ed p\u0159edstavu. Ne v\u0161echny banky nebo nebankovn\u00ed spole\u010dnosti trvaj\u00ed p\u0159\u00edmo na potvrzen\u00ed o p\u0159\u00edjmu. Mnohdy sta\u010d\u00ed jen, kdy\u017e p\u0159edlo\u017e\u00edte v\u00fdpisy z va\u0161eho \u00fa\u010dtu. V p\u0159\u00edpad\u011b OSV\u010c pak dokumentaci k dan\u00edm za minul\u00fd rok.Dobr\u00e1 platebn\u00ed historieJestli\u017ee \u017e\u00e1d\u00e1te o p\u016fj\u010dku, banka si prov\u011b\u0159uje va\u0161i schopnost spl\u00e1cet dluhy. Existuj\u00ed r\u016fzn\u00e9 datab\u00e1ze a rejst\u0159\u00edky, kde se toto v\u0161echno zaznamen\u00e1v\u00e1. Pokud jste si t\u0159eba v minulosti brali p\u016fj\u010dku, \u0159\u00e1dn\u011b ji spl\u00e1celi a nebyl s v\u00e1mi \u017e\u00e1dn\u00fd probl\u00e9m, banka to uvid\u00ed. A to pro v\u00e1s znamen\u00e1 plusov\u00e9 body. Jestli\u017ee ale nespl\u00e1c\u00edte a jste t\u0159eba v registru dlu\u017en\u00edk\u016f, \u0161ance na z\u00edsk\u00e1n\u00ed p\u016fj\u010dky se v\u00e1m t\u00edm o dost sn\u00ed\u017e\u00ed. V takov\u00e9m p\u0159\u00edpad\u011b je lep\u0161\u00ed obr\u00e1tit se na nebankovn\u00ed spole\u010dnost.Pr\u016fkaz toto\u017enostiBez toho to nep\u016fjde. Pot\u0159ebujete m\u00edt pr\u016fkaz toto\u017enosti, nejl\u00e9pe ob\u010dansk\u00fd pr\u016fkaz, d\u00edky kter\u00e9mu v\u00e1m bude moci banka nebo nebankovn\u00ed spole\u010dnost p\u016fj\u010dku vy\u0159\u00eddit.                                                                                                                                                                                                                                                                                                                                                                                          3.5\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co pot\u0159ebujete pro z\u00edsk\u00e1n\u00ed p\u016fj\u010dky?","item":"https:\/\/www.derex.cz\/co-potrebujete-pro-ziskani-pujcky\/#breadcrumbitem"}]}]