{"id":10392,"date":"2025-03-31T08:32:05","date_gmt":"2025-03-31T08:32:05","guid":{"rendered":"http:\/\/www.verticalretailsolution.com\/?p=10392"},"modified":"2025-08-15T08:32:05","modified_gmt":"2025-08-15T08:32:05","slug":"csob-zaloha-pujcka-ihned-na-ucet-pro-lasku-nebo-penize","status":"publish","type":"post","link":"http:\/\/www.verticalretailsolution.com\/index.php\/2025\/03\/31\/csob-zaloha-pujcka-ihned-na-ucet-pro-lasku-nebo-penize\/","title":{"rendered":"\u010cSOB Z\u00e1loha p\u016fj\u010dka ihned na \u00fa\u010det Pro l\u00e1sku nebo pen\u00edze"},"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;\">P\u0159\u00edsp\u011bvky<\/p>\n<ul class=\"toc_list\">\n<li><a href=\"#toc-0\">\u010ceskoslovensk\u00e1 obchodn\u00ed banka<\/a><\/li>\n<li><a href=\"#toc-1\">Raiffeisenbank<\/a><\/li>\n<li><a href=\"#toc-2\">UniCredit<\/a><\/li>\n<li><a href=\"#toc-3\">Komer\u010dn\u00ed banka<\/a><\/li>\n<\/ul>\n<\/div>\n<p>Zbrusu nov\u00e9 vylep\u0161en\u00ed CSOB za jakoukoli cenu nab\u00edz\u00ed variabiln\u00ed zp\u016fsob platby dodavatel\u016fm kapit\u00e1lu. V\u00fd\u0161i \u00fav\u011bru lze okam\u017eit\u011b odvodit z prodeje nebo n\u00e1klad\u016f zpracovan\u00fdch prost\u0159ednictv\u00edm platebn\u00edho termin\u00e1lu a zad\u00e1n\u00ed vstupu, \u010d\u00edm\u017e se transakce zjednodu\u0161\u00ed a zautomatizuje.<\/p>\n<p>Jedn\u00e1n\u00ed s \u00fav\u011brov\u00fdmi t\u00fdmy v jin\u00fdch bank\u00e1ch bylo v\u017edy slo\u017eit\u00e9 a za\u010dalo se objevovat bleskov\u011b, za sm\u00ed\u0161en\u00fdch podm\u00ednek ohledn\u011b \u010derp\u00e1n\u00ed a zah\u00e1jen\u00ed spl\u00e1cen\u00ed. <!--more--> Nov\u00fd krok vp\u0159ed jist\u011b objas\u0148uje n\u00e1sleduj\u00edc\u00ed postupy.<\/p>\n<h2 id=\"toc-0\">\u010ceskoslovensk\u00e1 obchodn\u00ed banka<\/h2>\n<p>\u010cSOB je celosv\u011btov\u011b p\u016fsob\u00edc\u00ed komer\u010dn\u00ed spole\u010dnost p\u016fsob\u00edc\u00ed v \u010cesk\u00e9 republice. Nab\u00edz\u00ed kompletn\u00ed \u0159adu bankovn\u00edch slu\u017eeb pro mal\u00e9, st\u0159edn\u00ed a pokro\u010dil\u00e9 klienty, za\u010d\u00ednaj\u00edc\u00ed firemn\u00ed a priv\u00e1tn\u00ed bankovnictv\u00ed pro rodinn\u00e9 a mezin\u00e1rodn\u00ed klienty. Je pln\u011b vlastn\u011bnou dce\u0159inou spole\u010dnost\u00ed belgick\u00e9 KBC Kids NV.<\/p>\n<p>\u010cSOB, zalo\u017een\u00e1 v roce 1964, byla p\u016fvodn\u011b zalo\u017eena za \u00fa\u010delem vstupu do zahrani\u010dn\u00edch <a href=\"https:\/\/pujka-online.cz\/pujcka-na-ucet-ihned\/\">p\u016fj\u010dka ihned na \u00fa\u010det<\/a> obchodn\u00edch fond\u016f a zah\u00e1jen\u00ed grantovn\u00edch zahrani\u010dn\u00edch operac\u00ed v \u010ceskoslovensku. V roce 1999 byla privatizov\u00e1na a indon\u00e9sk\u00e1 spole\u010dnost KBC Types se stala masov\u00fdm u\u017eivatelem. Jej\u00ed komer\u010dn\u00ed slo\u017eky zahrnuj\u00ed \u010cSOB Full Price\/SME, \u010cSOB Group, \u010cSOB Financial Market segments a \u010cSOB Varieties Center. Nab\u00edz\u00ed poradenstv\u00ed v oblasti vklad\u016f a po\u010d\u00e1te\u010dn\u00edch investic, slu\u017eby v oblasti stavebn\u00edch \u00fav\u011br\u016f, \u00fav\u011bry, m\u00edstn\u00ed pl\u00e1n pron\u00e1jmu a po\u010d\u00e1te\u010dn\u00edch investic, investice do nemovitost\u00ed, sd\u00edlen\u00e9 finance, agenta a poradenstv\u00ed v oblasti \u0159\u00edzen\u00ed po\u010d\u00e1te\u010dn\u00edch investic.<\/p>\n<p>Pro mal\u00e9 a st\u0159edn\u00ed podniky nab\u00edz\u00ed \u010cSOB kompletn\u00ed \u0161k\u00e1lu profesion\u00e1ln\u00edho bankovn\u00edho poradenstv\u00ed pro spot\u0159ebitele, nap\u0159\u00edklad v oblasti financ\u00ed, firemn\u00edho bankovnictv\u00ed a spr\u00e1vy fond\u016f. Jejich specializovan\u00fd person\u00e1l pro vztahy s klienty spolupracuje, pokud pot\u0159ebuj\u00ed prozkoumat jejich po\u017eadavky a u\u010dinit rozhodnut\u00ed na m\u00edru. \u010cSOB tak\u00e9 podporuje sv\u00e9 mal\u00e9 a st\u0159edn\u00ed podniky a poskytuje firemn\u00edm klient\u016fm glob\u00e1ln\u00ed c\u00edle v oblasti obchodn\u00edch financ\u00ed a propojen\u00ed s partnersk\u00fdmi bankami.<\/p>\n<p>A tak\u00e9 unik\u00e1tn\u00ed slu\u017eby, pobo\u010dkov\u00e9 p\u0159ipojen\u00ed \u010cSOB nab\u00edz\u00ed tak\u00e9 produkty a podporu od v\u0161ech typ\u016f \u010cSOB. Maj\u00ed klid a podporu od poskytovatel\u016f penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed (Hypote\u010dn\u00ed banka, \u010cSOB Poji\u0161\u0165ovna, \u010cSOB Stavebn\u00ed spo\u0159itelna, \u010cSOB Penzijn\u00ed spole\u010dnost), spr\u00e1vc\u016f akci\u00ed a podnik\u016f nebo pomoc s obchodov\u00e1n\u00edm s akciemi na finan\u010dn\u00edch trz\u00edch (Patria Monetary). Nov\u00e9 typy \u010cSOB vytv\u00e1\u0159ej\u00ed dobr\u00e9, dlouhodob\u00e9 spojen\u00ed s ka\u017ed\u00fdm, a\u0165 u\u017e se jedn\u00e1 o soukrom\u00e9 nebo rodinn\u00e9 finance, mal\u00e9 a st\u0159edn\u00ed podniky nebo firemn\u00ed finance.<\/p>\n<h2 id=\"toc-1\">Raiffeisenbank<\/h2>\n<p>Raiffeisenbank je v\u00fdznamn\u00e1 \u0161v\u00fdcarsk\u00e1 banka s minim\u00e1ln\u011b 3,8 biliony \u010dlen\u016f, co\u017e je jedna z nejv\u011bt\u0161\u00edch \u0161v\u00fdcarsk\u00fdch finan\u010dn\u00edch instituc\u00ed. Poskytuje v\u0161ak slu\u017eby 2,1 milionu dru\u017estevn\u00edch u\u017eivatel\u016f a m\u00e1 slu\u017eby v hodnot\u011b 305,6 a\u017e 8 milion\u016f CHF. Jedn\u00e1 se o dom\u00e1c\u00ed syst\u00e9mov\u011b v\u00fdznamnou banku (D-SIB) a byla takto ozna\u010dena od roku 2014. Jej\u00ed dru\u017estevn\u00ed struktura vykazuje vynikaj\u00edc\u00ed pom\u011bry kapit\u00e1lu, pod\u00edl CET1 ve v\u00fd\u0161i 19,7 % a po\u010d\u00e1te\u010dn\u00ed TLAC ve v\u00fd\u0161i 30,0 %.<\/p>\n<p>Raiffeisen Downpayment Worldwide je banka s pobo\u010dkami v Lucembursku, Alb\u00e1nii, Ma\u010farsku, Rumunsku, Rusku a na Ukrajin\u011b. Jej\u00ed evropsk\u00e1 pobo\u010dka ofici\u00e1ln\u011b ozna\u010duje nov\u00e9 tzv. Don\u011bckou a Luhanskou lidovou republiku a poskytuje velkou ekonomickou podporu nep\u0159\u00e1telsk\u00fdm okupant\u016fm t\u011bchto m\u011bst. Kv\u016fli zhor\u0161uj\u00edc\u00ed se situaci na Ukrajin\u011b za\u010dala rakousk\u00e1 banka v t\u00e9to oblasti ztr\u00e1cet pracovn\u00ed m\u00edsta.<\/p>\n<p>Krom\u011b toho, \u017ee Raiffeisenbank poskytuje t\u00e9m\u011b\u0159 v\u0161echny bankovn\u00ed agenty, je dal\u0161\u00edm v\u00fdznamn\u00fdm poskytovatelem slu\u017eeb v oblasti pron\u00e1jmu a start-upu. M\u00e1 tak\u00e9 rozs\u00e1hl\u00e9 propojen\u00ed pobo\u010dek po cel\u00e9 zemi. Je tak\u00e9 partnerem rakousk\u00e9 pojistn\u00e9 politiky. Z\u00e1loha na pohled\u00e1vky \u010din\u00ed p\u0159ibli\u017en\u011b 100 000 EUR na z\u00e1lohu a start-up. Nav\u00edc se nejedn\u00e1 o hlavn\u00ed slu\u017ebu, kterou bude t\u011b\u017ek\u00e9 zru\u0161it. Nicm\u00e9n\u011b jej\u00ed slo\u017een\u00ed ji \u010din\u00ed bezpe\u010dnou ve srovn\u00e1n\u00ed s jin\u00fdmi velk\u00fdmi bankami, proto\u017ee kancel\u00e1\u0159sk\u00e9 prost\u0159ed\u00ed je dobr\u00fdm produktem a kliniky je mohou zachr\u00e1nit.<\/p>\n<h2 id=\"toc-2\">UniCredit<\/h2>\n<p>UniCredit je finan\u010dn\u00ed podpora, kter\u00e1 nab\u00edz\u00ed firemn\u00ed, individu\u00e1ln\u00ed a start-up slu\u017eby. Mezi jej\u00ed hlavn\u00ed slu\u017eby pat\u0159\u00ed spr\u00e1vce osobn\u00edch pozic, finan\u010dn\u00ed poradce, agent a start-up spr\u00e1vce. UniCredit s\u00eddl\u00ed v Mil\u00e1n\u011b v It\u00e1lii a funguje prost\u0159ednictv\u00edm s\u00edt\u011b zem\u00ed po cel\u00e9m sv\u011bt\u011b.<\/p>\n<p>UniCredit je p\u0159\u00edmo\u010dar\u00fd a n\u00e1hodn\u00fd z\u00e1padn\u00ed podnik s marihuanov\u00fdm vkladem, kter\u00fd vyu\u017e\u00edv\u00e1 pln\u011b propojenou CIB a vz\u00e1cn\u00e9 z\u00e1padn\u00ed, vnit\u0159n\u00ed a \u010d\u00ednsko-americk\u00e9 spot\u0159ebitelsk\u00e9 bankovn\u00ed spojen\u00ed. Jejich obchodn\u00ed model je dlouhodob\u00fd a jeho intenzivn\u00ed sektorov\u00e9 p\u0159\u00edle\u017eitosti v patn\u00e1cti hlavn\u00edch tr\u017en\u00edch segmentech, jako je Anglie, Filip\u00edny jako HypoVereinsbank, Lucembursko jako Rakousko a It\u00e1lie, jim pom\u00e1haj\u00ed podporovat transak\u010dn\u00ed z\u00e1jmy spot\u0159ebitel\u016f a za\u010d\u00ednaj\u00edc\u00ed z\u00e1jmy zam\u011bstnavatel\u016f.<\/p>\n<p>Jejich provozn\u00ed efektivita z\u016fstane stabiln\u00ed i p\u0159es dlouhodob\u00e9 pr\u016fmyslov\u00e9 prost\u0159ed\u00ed a jejich potenci\u00e1l p\u0159\u00edjm\u016f bude dostate\u010dn\u00fd k pokryt\u00ed ztr\u00e1ty zp\u016fsoben\u00e9 \u010dist\u011b cenov\u00fdmi podm\u00ednkami. Jejich vlastn\u00ed pen\u011b\u017en\u00ed z\u00e1kladna je p\u0159\u00edli\u0161 siln\u00e1 a jejich rizikov\u00e9 expozice odpov\u00eddaj\u00ed s\u00e9rii u koleg\u016f.<\/p>\n<p>Zlep\u0161en\u00ed CSOB m\u00e1 pomoci podnikatel\u016fm zlep\u0161it jejich po\u010det a za\u010d\u00edt zvy\u0161ovat p\u0159\u00edjem t\u00edm, \u017ee nab\u00edz\u00ed variabiln\u00ed finan\u010dn\u00ed omezen\u00ed, n\u00edzk\u00e9 \u00farokov\u00e9 sazby a mo\u017enosti spl\u00e1cen\u00ed. N\u00e1rok na z\u00edsk\u00e1n\u00ed \u00fav\u011bru z\u00e1vis\u00ed na obratu, kter\u00fd podnikatel\u00e9 dos\u00e1hnou prost\u0159ednictv\u00edm platebn\u00edho termin\u00e1lu CSOB \u2013 samoz\u0159ejm\u011b nebo platebn\u00edho port\u00e1lu \u2013 a p\u016fvodn\u00ed spl\u00e1tka bude odlo\u017eena o 10 let, pokud jim chcete umo\u017enit z\u00edskat investici a za\u010d\u00edt spl\u00e1cet po \u00fa\u010detnictv\u00ed. Z\u00e1jemci mohou vyu\u017e\u00edt online nebo si objednat jak\u00fdkoli formul\u00e1\u0159 CSOB.<\/p>\n<h2 id=\"toc-3\">Komer\u010dn\u00ed banka<\/h2>\n<p>Komer\u010dn\u00ed banka, sou\u010d\u00e1st Soci\u00e9t\u00e9 G\u00e9n\u00e9rale, nab\u00edz\u00ed bankovn\u00ed slu\u017eby pro firmy, korpor\u00e1tn\u00ed klienty a spot\u0159ebitele s akciov\u00fdm bankovnictv\u00edm. Jej\u00ed realitn\u00ed makl\u00e9\u0159i disponuj\u00ed komer\u010dn\u00edmi finan\u010dn\u00edmi, modern\u00edmi a po\u010d\u00e1te\u010dn\u00edmi \u00fav\u011bry, stavebn\u00edmi \u00fav\u011bry, investi\u010dn\u00edmi \u00fav\u011bry, komer\u010dn\u00edmi \u00fav\u011bry, syndikovan\u00fdm a po\u010d\u00e1te\u010dn\u00edm kapit\u00e1lem, leasingem a po\u010d\u00e1te\u010dn\u00edmi \u00fav\u011bry. Nab\u00edz\u00ed tak\u00e9 komer\u010dn\u00ed seniorn\u00ed poji\u0161t\u011bn\u00ed a slu\u017eby spr\u00e1vce nemovitost\u00ed. Jejich portfolio rozvoje je zam\u011b\u0159eno na v\u011bt\u0161inov\u00e9, obchodn\u00ed a po\u010d\u00e1te\u010dn\u00ed dopravn\u00ed podniky nebo soci\u00e1ln\u00ed spr\u00e1vu.<\/p>\n<p>KB pat\u0159\u00ed mezi nejvy\u0161\u0161\u00ed banky v r\u00e1mci cel\u00e9 a prvn\u00ed \u010d\u00ednsk\u00e9 Evropy, bohat\u00e9 na ziskovost a za\u010d\u00ednaj\u00edc\u00ed velkou kapitalizaci. Jejich intenzivn\u00ed syst\u00e9mov\u00e1, \u010dist\u011b pr\u016fmyslov\u00e1 konjunktura a za\u010d\u00ednaj\u00edc\u00ed finan\u010dn\u00ed v\u00fdsledky vedly k tomu, \u017ee jejich dlouhodob\u00e1 spole\u010dnost s hodnocen\u00edm \u201eA+\u201c dostala do defaultn\u00edho hodnocen\u00ed (IDR) a za\u010dala dosahovat hodnocen\u00ed \u017eivotaschopnosti \u201eA+\u201c. IDR banky je o jednu \u00farove\u0148 vy\u0161\u0161\u00ed ne\u017e IDR jej\u00ed dosp\u011bl\u00e9, Societe Generale SA (SG), co\u017e ukazuje na n\u00edzk\u00e9 riziko banky v souvislosti s \u00fav\u011brovou histori\u00ed SG.<\/p>\n<p>Krom\u011b poskytov\u00e1n\u00ed \u0159ady finan\u010dn\u00edch rad m\u00e1 Komer\u010dn\u00ed banka zku\u0161enosti s neurov\u011bdeck\u00fdmi elektronick\u00fdmi investicemi. D\u00edky sv\u00fdm rychl\u00fdm a snadn\u00fdm mobiln\u00edm platebn\u00edm \u0159e\u0161en\u00edm, KB+, se stala jednou z \u010desk\u00fdch bank pro podnikatele i za\u010d\u00ednaj\u00edc\u00ed klienty. Je tak\u00e9 ofici\u00e1ln\u00edm poskytovatelem finan\u010dn\u00edch slu\u017eeb v \u010desk\u00e9 extralize a v n\u00e1rodn\u00edm hokejov\u00e9m t\u00fdmu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>P\u0159\u00edsp\u011bvky \u010ceskoslovensk\u00e1 obchodn\u00ed banka Raiffeisenbank UniCredit Komer\u010dn\u00ed banka Zbrusu nov\u00e9 vylep\u0161en\u00ed CSOB za jakoukoli cenu nab\u00edz\u00ed variabiln\u00ed zp\u016fsob platby dodavatel\u016fm kapit\u00e1lu. V\u00fd\u0161i \u00fav\u011bru lze okam\u017eit\u011b odvodit z prodeje nebo n\u00e1klad\u016f zpracovan\u00fdch prost\u0159ednictv\u00edm platebn\u00edho termin\u00e1lu a zad\u00e1n\u00ed vstupu, \u010d\u00edm\u017e se transakce zjednodu\u0161\u00ed a zautomatizuje. Jedn\u00e1n\u00ed s \u00fav\u011brov\u00fdmi t\u00fdmy v jin\u00fdch bank\u00e1ch bylo v\u017edy slo\u017eit\u00e9 a za\u010dalo&hellip; <a class=\"more-link\" href=\"http:\/\/www.verticalretailsolution.com\/index.php\/2025\/03\/31\/csob-zaloha-pujcka-ihned-na-ucet-pro-lasku-nebo-penize\/\">Continue reading <span class=\"screen-reader-text\">\u010cSOB Z\u00e1loha p\u016fj\u010dka ihned na \u00fa\u010det Pro l\u00e1sku nebo pen\u00edze<\/span><\/a><\/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":"http:\/\/www.verticalretailsolution.com\/index.php\/wp-json\/wp\/v2\/posts\/10392"}],"collection":[{"href":"http:\/\/www.verticalretailsolution.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.verticalretailsolution.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.verticalretailsolution.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.verticalretailsolution.com\/index.php\/wp-json\/wp\/v2\/comments?post=10392"}],"version-history":[{"count":1,"href":"http:\/\/www.verticalretailsolution.com\/index.php\/wp-json\/wp\/v2\/posts\/10392\/revisions"}],"predecessor-version":[{"id":10393,"href":"http:\/\/www.verticalretailsolution.com\/index.php\/wp-json\/wp\/v2\/posts\/10392\/revisions\/10393"}],"wp:attachment":[{"href":"http:\/\/www.verticalretailsolution.com\/index.php\/wp-json\/wp\/v2\/media?parent=10392"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.verticalretailsolution.com\/index.php\/wp-json\/wp\/v2\/categories?post=10392"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.verticalretailsolution.com\/index.php\/wp-json\/wp\/v2\/tags?post=10392"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}