<br/>Tento internet sa sna¸í preh?adnou formou poskytnú? informácie nasledujúcich typoch nebankových pô¸i?iek: pô¸i?ky bez registra, pô¸i?ky bez potvrdenia príjmu, pô¸i?ky hne?, pô¸i?ky do 24 hodín, pô¸i?ky na zmenku alebo pô¸i?ky on-line. Ak h?adáte pô¸i?ky bez dokladovania príjmu alebo pô¸i?ky bez registra, tak pô¸i?ka ihne? sp??a v¨etko, ?o by ste si kedy mohli u pô¸i?ky ¸ela?. Rýchla pô¸i?ka má tu nevýhodu, ¸e nie je poskytovaná nezamestnaným, niekedy treba okay ¸iadosti doda? dokladovanie príjmu, prípadne mô¸u nazera? do registra. Úroková sadzba sa pohybuje okolo 20-26% a vä?¨inou nebankové spolo?nosti pri rýchlych pô¸i?kách neposkytujú ¸iadne z?avy v podobe odpustenia úroku. Pô¸i?ka pre nezamestnaných je jediným produktom pre nezamestnaných v pô¸i?kovom biznise.<br/><br/>Vec sa má v¨ak tak, ¸e do registra dl¸níkov sa dostanete aj vtedy, ke? me¨káte so splátkou Va¨eho úveru, alebo máte akéko?vek problémy so splácaním, Va¨e meno sa ocitne na tomto zozname. Banka a mnoho nebankových spolo?ností nahliada do registra dl¸níkov hne?, ako si klient predlo¸í ¸iados? úver. Ak Vás vyhodnotia ako rizikového klienta, málo?o ich presved?í, ¸e ste schopní úver bez problémov spláca?. V takých prípadoch nemáte zrejme iné východisko, ako vyu¸i? porovnáva? pô¸i?iek bez nahliadnutia do registra dl¸níkov, ktoré sa nachádzajú výhradne v ponukách nebankových spolo?ností.<br/><br/>Rýchla pô¸i?ka je dostupná aj u bankových in¨titúcií, ale za náro?nej¨ích podmienok, ako je dokladovanie príjmu, potvrdenie zamestnávate?a, nazeranie do registra? Bankové pô¸i?ky vám v¨ak poskytnú rýchlo men¨ie sumy pe?azí, ktoré vä?¨inou nepresahujú 1 000 eur a vä?¨inou je ich splatnos? nieko?ko rokov. Za three roky bude vá¨ záznam z registra odstránený a vy si bude môc? zariadi? výhodnej¨ie pô¸i?ku. Pre ve?a ?udí je nemyslite?né, ¸e budú ?aka? 3 roky na výmaz z registra dl¸níkov.<br/><br/>V rámci portfólia úverov dostupných pre seniorov existujú aj pô¸i?ky pre invalidných dôchodcov, pri?om nejde ani tak ¨peciálny úverový produkt ako taký typ pô¸i?iek, ktoré si mô¸u vybavi? aj ?udia na invalidnom dôchodku. V tomto prípade je naj?astej¨ie vek ¸iadate?a pod sixty five rokov, ?o je obvyklá horná hranica pre vä?¨inu bánk aj nebankoviek na poskytovanie klasických úverov, zále¸í teda u¸ len od bonity a vý¨ky príjmu daného dôchodcu. Pre menej bonitných ¸iadate?ov sú najdostupnej¨ie pô¸i?ky pre invalidných dôchodcov on-line cez web, ktoré sú ale zvä?¨a krátkodobé a na men¨ie sumy.<br/><br/>Volite?ného pre?erpania , ktoré sa dá získa? k be¸nému ú?tu do vý¨ky 3.500 ¤. Vä?¨ia pô¸i?ka od Tatra Banky je dostupná ako bezú?elový spotrebný úver, ktorý je mo¸né získa? aj bez dokladovania príjmu, ak máte v banke ú?et nad 6 mesiacov. Bu? ako klasická spotrebná pô¸i?ka pre dôchodcov (je mo¸né ?u po¸iada? aj online, ale nie je dostupná ako SMS pô¸i?ka) alebo ako povolené pre?erpanie k ú?tu pre dôchodcov.
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