{"id":7,"date":"2026-08-25T22:12:14","date_gmt":"2026-08-25T20:12:14","guid":{"rendered":"https:\/\/www.navratime.cz\/index.php\/finance-home\/"},"modified":"2026-08-29T09:48:55","modified_gmt":"2026-08-29T07:48:55","slug":"finance-home","status":"publish","type":"page","link":"https:\/\/www.navratime.cz\/","title":{"rendered":"Navr\u00e1t\u00edme.cz"},"content":{"rendered":" <div class=\"fin-site\"><div class=\"free-service-strip\"><strong>Cel\u00e1 slu\u017eba je zdarma.<\/strong> Kdy\u017e neusp\u011bjeme, neplat\u00edte nic. Kdy\u017e pro v\u00e1s z\u00edsk\u00e1me pen\u00edze zp\u011bt, rozd\u011bl\u00edme se f\u00e9rov\u011b <strong>p\u016fl na p\u016fl.<\/strong><\/div>\n <header class=\"fin-nav\"><a class=\"brand\" href=\"#top\"><span>p\u016fl na p\u016fl<\/span><b>Vr\u00e1t\u00edme v\u00e1m f\u00e9rov\u00fd d\u00edl<\/b><\/a><nav><a href=\"#jak\">Jak to funguje<\/a><a href=\"#proc\">Pro\u010d my<\/a><a href=\"https:\/\/www.navratime.cz\/?bhp_view=blog\">Blog<\/a><a href=\"https:\/\/www.navratime.cz\/?bhp_view=stories\">Va\u0161e p\u0159\u00edb\u011bhy<\/a><a href=\"https:\/\/www.navratime.cz\/?bhp_view=video\">Video blog<\/a><a href=\"#kontakt\">Kontakt<\/a><\/nav><a class=\"btn sm\" href=\"#formular\">Chci prov\u011b\u0159it p\u016fj\u010dku<\/a><\/header>\n <main id=\"top\">\n <section class=\"hero\"><div><div class=\"eyebrow\">NEBANKOVN\u00cd P\u016eJ\u010cKY \u2022 PRVN\u00cd POSOUZEN\u00cd<\/div><h1>Vr\u00e1t\u00edme v\u00e1m v\u00edc, ne\u017e konkurence<\/h1><p class=\"lead\">Z\u00edskejte zp\u011bt <strong>a\u017e polovinu z \u00farok\u016f<\/strong>, kter\u00e9 jste u\u017e zaplatili, nebo kter\u00e9 je\u0161t\u011b zaplatit budete. Ka\u017ed\u00fd p\u0159\u00edpad posuzujeme individu\u00e1ln\u011b.<\/p><div class=\"actions\"><a class=\"btn\" href=\"#formular\">Chci zjistit sv\u00e9 mo\u017enosti<\/a><a class=\"ghost\" href=\"#jak\">Jak to funguje \u2193<\/a><\/div><div class=\"trust\"><span>\u2713 Bez platby p\u0159edem<\/span><span>\u2713 Jednodu\u0161e a online<\/span><span>\u2713 Bez rizika<\/span><span>\u2713 V\u00fdsledek vysv\u011btl\u00edme srozumiteln\u011b<\/span><\/div><\/div><div class=\"roman-hero\"><img decoding=\"async\" src=\"https:\/\/www.navratime.cz\/wp-content\/plugins\/finance-web-plugin\/assets\/roman.png\" alt=\"Roman\"><div class=\"roman-bubble\"><b>Ahoj, jsem Roman \ud83d\udc4b<\/b><p>Porad\u00edm v\u00e1m, jak na to.<\/p><\/div><\/div><div class=\"calc-card calc-overpay\"><h3>Kolik jste nechali nebankovn\u00ed spole\u010dnosti nav\u00edc?<\/h3><p class=\"calc-intro\">Zadejte t\u0159i \u00fadaje a Roman v\u00e1m b\u011bhem p\u00e1r sekund uk\u00e1\u017ee orienta\u010dn\u00ed \u010d\u00e1stku.<\/p><label>Kolik jste si p\u016fj\u010dili<\/label><div class=\"money-input\"><input id=\"loanAmount\" type=\"number\" min=\"0\" step=\"1000\" value=\"50000\"><span>K\u010d<\/span><\/div><label>Kolik jste celkem zaplatili<\/label><div class=\"money-input\"><input id=\"paidAmount\" type=\"number\" min=\"0\" step=\"1000\" value=\"98000\"><span>K\u010d<\/span><\/div><label>U koho jste si p\u016fj\u010dili<\/label><select id=\"loanProvider\"><option value=\"\">Vyberte spole\u010dnost<\/option><option>AvaFin<\/option><option>CreditON<\/option><option>CreditAir<\/option><option>Via SMS<\/option><option>Tando<\/option><option>Rerum<\/option><option>Centro Finance<\/option><option>Ofin<\/option><option>Zaplo<\/option><option>Kimbi<\/option><option>FlexiFin Prime<\/option><option>Emma&#039;s Credit<\/option><option>Cool Credit<\/option><option>Movinero<\/option><option>Profi Credit<\/option><option>FlexiFin<\/option><option>Finspace<\/option><option>Express Cash<\/option><option>Credit Portal<\/option><option>LeaderFin<\/option><option>P\u016fj\u010dka bez vol\u00e1n\u00ed<\/option><option>P\u016fj\u010dka bez pap\u00edrov\u00e1n\u00ed<\/option><option>P\u016fj\u010dka plus<\/option><option>Provident<\/option><option>Ferratum<\/option><option>Home Credit<\/option><option>Kamali<\/option><option>Simfina<\/option><option>Fajn p\u016fj\u010dka<\/option><option>CFIG SE<\/option><option>CFIG<\/option><option>Twisto<\/option><\/select><div class=\"calc-results\"><span>Podle zadan\u00fdch \u010d\u00e1stek jste zaplatili nav\u00edc<\/span><strong id=\"overpaidResult\">48 000 K\u010d<\/strong><span>Modelov\u011b polovinu pro v\u00e1s<\/span><strong class=\"client-result\" id=\"clientResult\">24 000 K\u010d<\/strong><\/div><div class=\"calc-roman\"><img decoding=\"async\" src=\"https:\/\/www.navratime.cz\/wp-content\/plugins\/finance-web-plugin\/assets\/roman-small.png\" alt=\"Roman\"><p><b id=\"calcRomanTitle\">Chcete zjistit, jestli m\u016f\u017eete z\u00edskat 24 000 K\u010d zp\u011bt?<\/b><span id=\"calcRomanText\">Po\u0161lete n\u00e1m smlouvu a p\u0159ehled plateb. Prov\u011b\u0159\u00edme, zda m\u00e1 v\u00e1\u0161 p\u0159\u00edpad pr\u00e1vn\u00ed d\u016fvod k dal\u0161\u00edmu \u0159e\u0161en\u00ed.<\/span><\/p><\/div><a class=\"btn calc-btn\" id=\"calcCta\" href=\"#formular\">Chci prov\u011b\u0159it svou smlouvu \u2192<\/a><small class=\"calc-disclaimer\">V\u00fdpo\u010det je pouze orienta\u010dn\u00ed. Neznamen\u00e1 automatick\u00fd pr\u00e1vn\u00ed n\u00e1rok. Skute\u010dn\u00fd v\u00fdsledek z\u00e1vis\u00ed na smlouv\u011b, platb\u00e1ch a pr\u00e1vn\u00edm posouzen\u00ed.<\/small><\/div><\/section>\n <section class=\"stats\"><div><strong>7 let<\/strong><span>zku\u0161enost\u00ed s p\u0159\u00edpady<\/span><\/div><div><strong>1 113<\/strong><span>klient\u016f, kter\u00fdm jsme pomohli<\/span><\/div><div><strong>25 683 000 K\u010d<\/strong><span>za\u0159\u00edzeno pro klienty k 30. 7. 2026<\/span><\/div><div><strong>p\u016fl na p\u016fl<\/strong><span>n\u00e1\u0161 model odm\u011bny<\/span><\/div><\/section>\n <section id=\"formular\" class=\"wizard\"><div id=\"vlastni-formular\"><div class=\"section-head\"><small>RYCHL\u00dd START<\/small><h2>M\u00e1 cenu va\u0161i p\u016fj\u010dku prov\u011b\u0159it?<\/h2><p>Odpov\u011bzte na p\u00e1r jednoduch\u00fdch ot\u00e1zek. Fin\u00e1ln\u00ed posouzen\u00ed v\u017edy provedeme podle dokument\u016f.<\/p><\/div><form id=\"finWizard\" action=\"https:\/\/www.navratime.cz\/wp-admin\/admin-ajax.php\" method=\"post\" enctype=\"multipart\/form-data\"><input type=\"hidden\" name=\"action\" value=\"bhp_lead\"><input type=\"hidden\" name=\"nonce\" value=\"28d3037870\"><div class=\"step active\" data-step=\"1\"><h3>Je p\u016fj\u010dka u\u017e splacen\u00e1?<\/h3><button type=\"button\" data-answer=\"Splacen\u00e1\">Ano, je splacen\u00e1<\/button><button type=\"button\" data-answer=\"B\u011b\u017e\u00edc\u00ed\">Ne, st\u00e1le spl\u00e1c\u00edm<\/button><\/div><div class=\"step\" data-step=\"2\"><h3>\u0160lo o nebankovn\u00ed spole\u010dnost?<\/h3><button type=\"button\" data-answer=\"Nebankovn\u00ed\">Ano \/ mysl\u00edm, \u017ee ano<\/button><button type=\"button\" data-answer=\"Nev\u00edm\">Nev\u00edm jist\u011b<\/button><\/div><div class=\"step\" data-step=\"3\"><h3>M\u00e1te smlouvu nebo p\u0159ehled plateb?<\/h3><button type=\"button\" data-answer=\"Doklady ano\">Ano<\/button><button type=\"button\" data-answer=\"Doklady \u010d\u00e1ste\u010dn\u011b\">Jen \u010d\u00e1st<\/button><button type=\"button\" data-answer=\"Doklady ne\">Ne<\/button><\/div><div class=\"step formstep\" data-step=\"4\"><h3>Po\u0161lete kontakt. Ozveme se a \u0159ekneme, co d\u00e1l.<\/h3><input name=\"name\" placeholder=\"Jm\u00e9no a p\u0159\u00edjmen\u00ed\" required><input name=\"phone\" placeholder=\"Telefon\" required><input type=\"email\" name=\"email\" placeholder=\"E-mail\" required><textarea name=\"message\" placeholder=\"Voliteln\u011b napi\u0161te poskytovatele nebo kr\u00e1tce situaci\"><\/textarea><label class=\"file-upload\"><span>P\u0159ilo\u017eit smlouvu nebo podklady<\/span><input type=\"file\" name=\"contract_file\" accept=\".pdf,.jpg,.jpeg,.png,.doc,.docx,application\/pdf,image\/jpeg,image\/png,application\/msword,application\/vnd.openxmlformats-officedocument.wordprocessingml.document\"><small>PDF, JPG, PNG nebo Word, max. 25 MB<\/small><\/label><input type=\"hidden\" name=\"answers\"><input type=\"hidden\" name=\"return_url\" value=\"\"><input type=\"hidden\" name=\"source_page\" value=\"\"><label class=\"consent\"><input type=\"checkbox\" required> Souhlas\u00edm se zpracov\u00e1n\u00edm \u00fadaj\u016f pro vy\u0159\u00edzen\u00ed popt\u00e1vky.<\/label><button class=\"btn\" type=\"submit\">Odeslat k nez\u00e1vazn\u00e9mu posouzen\u00ed<\/button><p class=\"result\"><\/p><\/div><\/form><\/div><\/section>\n <section id=\"jak\" class=\"how-roman how-roman-calm\">\n<div class=\"section-head how-title\"><small>JEDNODU\u0160E<\/small><h2>Jak to funguje<\/h2><p>\u010cty\u0159i jednoduch\u00e9 kroky. Bez zbyte\u010dn\u00e9ho b\u011bh\u00e1n\u00ed a bez slo\u017eit\u00e9ho hled\u00e1n\u00ed, co d\u011blat d\u00e1l.<\/p><\/div>\n<div class=\"roman-process-card\">\n <div class=\"roman-process-visual\"><img decoding=\"async\" src=\"https:\/\/www.navratime.cz\/wp-content\/plugins\/finance-web-plugin\/assets\/roman.png\" alt=\"Roman, pr\u016fvodce cel\u00fdm postupem\"><\/div>\n <div class=\"roman-process-copy\">\n  <div class=\"process-item\"><span>1<\/span><div><h3>Kontakt<\/h3><p>\u0158eknete n\u00e1m z\u00e1kladn\u00ed situaci a kdo v\u00e1m p\u016fj\u010dil.<\/p><\/div><\/div>\n  <div class=\"process-item\"><span>2<\/span><div><h3>Podklady<\/h3><p>Po\u0161lete smlouvu, p\u0159ehled plateb a to, co m\u00e1te k dispozici.<\/p><\/div><\/div>\n  <div class=\"process-item\"><span>3<\/span><div><h3>Posouzen\u00ed<\/h3><p>Zjist\u00edme, zda m\u00e1 p\u0159\u00edpad smysl d\u00e1l \u0159e\u0161it a co je pot\u0159eba doplnit.<\/p><\/div><\/div>\n  <div class=\"process-item\"><span>4<\/span><div><h3>Dal\u0161\u00ed postup<\/h3><p>Vysv\u011btl\u00edme v\u00e1m dal\u0161\u00ed kroky a v p\u0159\u00edpad\u011b pot\u0159eby zajist\u00edme n\u00e1vaznost na pr\u00e1vn\u00ed zastoupen\u00ed.<\/p><\/div><\/div>\n <\/div>\n<\/div>\n<div class=\"roman-steps-note\">Jsem tu s v\u00e1mi od za\u010d\u00e1tku do konce <span>\u2661<\/span><\/div>\n<\/section>\n <section id=\"proc\" class=\"why\"><div><small>PRO\u010c OD N\u00c1S<\/small><h2>Neprod\u00e1v\u00e1me dal\u0161\u00ed p\u016fj\u010dku. Pom\u00e1h\u00e1me \u0159e\u0161it tu, kterou u\u017e m\u00e1te.<\/h2><p>Chceme, abyste p\u0159ed rozhodnut\u00edm v\u011bd\u011bli, co se bude d\u00edt a pro\u010d. Bez nesrozumiteln\u00fdch fr\u00e1z\u00ed a bez slib\u016f v\u00fdsledku, kter\u00fd je\u0161t\u011b nikdo nemohl ov\u011b\u0159it.<\/p><\/div><div class=\"cards\"><article>\u2713<b>F\u00e9rov\u00fd p\u0159\u00edstup<\/b><span><strong>Nic neplat\u00edte p\u0159edem.<\/strong> Nejd\u0159\u00edv se pod\u00edv\u00e1me na v\u00e1\u0161 p\u0159\u00edpad a \u0159ekneme v\u00e1m, jestli m\u00e1 smysl pokra\u010dovat. Bez nesrozumiteln\u00fdch fr\u00e1z\u00ed a bez slib\u016f, kter\u00e9 nejdou p\u0159edem ov\u011b\u0159it.<\/span><\/article><article>\u26a1<b>Rychl\u00e9 \u0159e\u0161en\u00ed<\/b><span><strong>Sta\u010d\u00ed n\u00e1m poslat smlouvu.<\/strong> Klidn\u011b m\u016f\u017ee b\u00fdt n\u011bkolik let star\u00e1. Kdy\u017e m\u00e1te v\u00fdpisy nebo starou komunikaci, p\u0159idejte je a Roman v\u00e1m \u0159ekne, co d\u00e1l.<\/span><\/article><article>\ud83d\udc4d<b>Bez starost\u00ed<\/b><span><strong>V\u011bt\u0161inu vy\u0159\u00edd\u00edme za v\u00e1s.<\/strong> Nemus\u00edte studovat smlouvy ani paragrafy. Vy dod\u00e1te, co m\u00e1te, a my v\u00e1s provedeme dal\u0161\u00edm postupem.<\/span><\/article><article>\ud83d\udd12<b>Diskr\u00e9tn\u011b<\/b><span><strong>Ka\u017ed\u00fd p\u0159\u00edpad \u0159e\u0161\u00edme individu\u00e1ln\u011b.<\/strong> Nikoho nesoud\u00edme za to, \u017ee si kdysi p\u016fj\u010dil. Va\u0161e \u00fadaje i situaci \u0159e\u0161\u00edme citliv\u011b.<\/span><\/article><\/div><\/section>\n <section class=\"motivate\"><h2>Chcete tak\u00e9 zjistit, jestli m\u016f\u017eete z\u00edskat pen\u00edze zp\u011bt nebo u\u0161et\u0159it na dal\u0161\u00edm spl\u00e1cen\u00ed?<\/h2><p>Prvn\u00ed krok je jednoduch\u00fd. Po\u0161lete n\u00e1m z\u00e1kladn\u00ed informace a dokumenty dolad\u00edme potom.<\/p><a class=\"btn\" href=\"#formular\">Ano, chci prov\u011b\u0159it sv\u016fj p\u0159\u00edpad \u2192<\/a><\/section>\n <section class=\"provider-cloud\"><div class=\"section-head\"><small>STAR\u00c1 NEBO B\u011a\u017d\u00cdC\u00cd P\u016eJ\u010cKA<\/small><h2>Prov\u011b\u0159ujeme smlouvy t\u011bchto spole\u010dnost\u00ed a produkt\u016f<\/h2><p>Klikn\u011bte na n\u00e1zev a pod\u00edvejte se, co m\u00e1 smysl p\u0159ipravit k prov\u011b\u0159en\u00ed.<\/p><\/div><div class=\"provider-tags\"><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/26\/avafin-pujcka\/\">AvaFin<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/26\/crediton-pujcka\/\">CreditON<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/26\/creditair-pujcka\/\">CreditAir<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/26\/viasms-pujcka\/\">Via SMS<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/29\/tando-pujcka\/\">Tando<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/26\/rerum-pujcka\/\">Rerum<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/29\/centro-finance-pujcka\/\">Centro Finance<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/26\/ofin-pujcka\/\">Ofin<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/26\/zaplo-pujcka\/\">Zaplo<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/26\/kimbi-pujcka\/\">Kimbi<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/29\/flexifin-prime-pujcka\/\">FlexiFin Prime<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/29\/emmas-credit-pujcka\/\">Emma&#039;s Credit<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/26\/cool-credit-pujcka\/\">Cool Credit<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/26\/movinero-pujcka\/\">Movinero<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/26\/profi-credit-pujcka\/\">Profi Credit<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/26\/flexifin-pujcka\/\">FlexiFin<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/29\/finspace-pujcka\/\">Finspace<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/26\/express-cash-pujcka\/\">Express Cash<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/26\/creditportal-pujcka\/\">Credit Portal<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/29\/leaderfin-pujcka\/\">LeaderFin<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/29\/pujcka-bez-volani\/\">P\u016fj\u010dka bez vol\u00e1n\u00ed<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/29\/pujcka-bez-papirovani\/\">P\u016fj\u010dka bez pap\u00edrov\u00e1n\u00ed<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/26\/pujckaplus\/\">P\u016fj\u010dka plus<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/26\/provident-pujcka\/\">Provident<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/26\/ferratum-pujcka\/\">Ferratum<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/26\/home-credit-stara-smlouva\/\">Home Credit<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/26\/kamali-pujcka\/\">Kamali<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/29\/simfina-pujcka\/\">Simfina<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/29\/fajn-pujcka\/\">Fajn p\u016fj\u010dka<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/29\/cfig-se-pujcka\/\">CFIG SE<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/29\/cfig-pujcka\/\">CFIG<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/08\/29\/twisto-pujcka\/\">Twisto<\/a><\/div><\/section>   <section id=\"blog\">\n   <div class=\"section-head\"><small>PORADNA<\/small><h2>Blog o nebankovn\u00edch p\u016fj\u010dk\u00e1ch<\/h2><p><a class=\"section-all-link\" href=\"https:\/\/www.navratime.cz\/?bhp_view=blog\">Zobrazit v\u0161echny \u010dl\u00e1nky \u2192<\/a><\/p><\/div>\n   <div class=\"postgrid\"><article><span>\u010cl\u00e1nek<\/span><h3>P\u0159eplatili jste p\u016fj\u010dku?<\/h3><p>Mo\u017en\u00e1 jste za svou nebankovn\u00ed p\u016fj\u010dku zaplatili mnohem v\u00edc, ne\u017e bylo p\u0159im\u011b\u0159en\u00e9. Nemus\u00edte se s t\u00edm sm\u00ed\u0159it. Nechte si smlouvu nez\u00e1vazn\u011b prov\u011b\u0159it a zjist\u011bte,&hellip;<\/p><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/09\/17\/preplatili-jste-pujcku\/\">\u010c\u00edst \u010dl\u00e1nek \u2192<\/a><\/article><article><span>\u010cl\u00e1nek<\/span><h3>Z\u00edskejte \u010d\u00e1st \u00farok\u016f zp\u011bt<\/h3><p>Vysok\u00e9 \u00faroky nemus\u00ed b\u00fdt definitivn\u011b ztracen\u00e9 pen\u00edze. Pokud jste spl\u00e1celi nebo st\u00e1le spl\u00e1c\u00edte nebankovn\u00ed p\u016fj\u010dku, m\u016f\u017ee existovat cesta, jak z\u00edskat \u010d\u00e1st zaplacen\u00fdch \u00farok\u016f zp\u011bt.&hellip;<\/p><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/09\/17\/ziskejte-cast-uroku-zpet\/\">\u010c\u00edst \u010dl\u00e1nek \u2192<\/a><\/article><article><span>\u010cl\u00e1nek<\/span><h3>Prov\u011b\u0159en\u00ed smlouvy zdarma<\/h3><p>Nejste si jist\u00ed, zda byla va\u0161e p\u016fj\u010dka sjedn\u00e1na spr\u00e1vn\u011b a za p\u0159im\u011b\u0159en\u00fdch podm\u00ednek? Po\u0161lete n\u00e1m smlouvu k bezplatn\u00e9mu prov\u011b\u0159en\u00ed. Zjist\u00edme, zda m\u00e1 smysl v\u00e1\u0161&hellip;<\/p><a href=\"https:\/\/www.navratime.cz\/index.php\/2026\/09\/17\/provereni-smlouvy-zdarma\/\">\u010c\u00edst \u010dl\u00e1nek \u2192<\/a><\/article><\/div>\n  <\/section>\n    <section id=\"pribehy\" class=\"stories home-stories-links\">\n   <div class=\"section-head\"><small>VA\u0160E P\u0158\u00cdB\u011aHY<\/small><h2>P\u0159\u00edb\u011bhy lid\u00ed, kte\u0159\u00ed svou situaci za\u010dali \u0159e\u0161it<\/h2><p>Na hlavn\u00ed str\u00e1nce jen stru\u010dn\u011b. Cel\u00fd p\u0159\u00edb\u011bh si otev\u0159ete kliknut\u00edm na jeho n\u00e1zev.<\/p><\/div>\n       <div class=\"story-link-list\">\n           <a class=\"story-title-link\" href=\"https:\/\/www.navratime.cz\/index.php\/story\/dostala-jsem-se-do-kruhu-pujcek-ze-ktereho-jsem-uz-nevidela-cestu-ven\/\"><span>Dostala jsem se do kruhu p\u016fj\u010dek, ze kter\u00e9ho jsem u\u017e nevid\u011bla cestu ven<\/span><b>P\u0159e\u010d\u00edst p\u0159\u00edb\u011bh \u2192<\/b><\/a>\n           <a class=\"story-title-link\" href=\"https:\/\/www.navratime.cz\/index.php\/story\/jmenuji-se-j-k-je-mi-58-let-a-bydlim-v-ricanech-u-prahy\/\"><span>Jmenuji se J. K., je mi 58 let a bydl\u00edm v \u0158\u00ed\u010danech u Prahy.<\/span><b>P\u0159e\u010d\u00edst p\u0159\u00edb\u011bh \u2192<\/b><\/a>\n           <a class=\"story-title-link\" href=\"https:\/\/www.navratime.cz\/index.php\/story\/jmenuji-se-m-k-je-mi-48-let-a-dlouho-jsem-si-rikala-ze-o-sve-zkusenosti-s-pujckou-radeji-nikomu-vypravet-nebudu\/\"><span>Jmenuji se M. K., je mi 48 let a dlouho jsem si \u0159\u00edkala, \u017ee o sv\u00e9 zku\u0161enosti s p\u016fj\u010dkou rad\u011bji nikomu vypr\u00e1v\u011bt nebudu.<\/span><b>P\u0159e\u010d\u00edst p\u0159\u00edb\u011bh \u2192<\/b><\/a>\n         <\/div>\n    <div class=\"story-all-wrap\"><a class=\"btn\" href=\"https:\/\/www.navratime.cz\/?bhp_view=stories\">Zobrazit v\u0161echny p\u0159\u00edb\u011bhy<\/a><\/div>\n     <\/section>\n    <section id=\"video\" class=\"home-video-links\">\n   <div class=\"section-head\"><small>VIDEO BLOG<\/small><h2>Kr\u00e1tce a lidsky o p\u016fj\u010dk\u00e1ch<\/h2><p>Roman bude ve vide\u00edch jednodu\u0161e vysv\u011btlovat, co se ve smlouv\u00e1ch \u0159e\u0161\u00ed a na co si d\u00e1t pozor.<\/p><\/div>\n       <div class=\"video-coming-soon\"><div class=\"video-coming-icon\">\u25b6<\/div><div><h3>Video blog p\u0159ipravujeme<\/h3><p>Prvn\u00ed videa teprve vznikaj\u00ed. Sekce je u\u017e p\u0159ipraven\u00e1 a postupn\u011b sem budeme p\u0159id\u00e1vat kr\u00e1tk\u00e1 a srozumiteln\u00e1 vysv\u011btlen\u00ed od Romana.<\/p><a href=\"https:\/\/www.navratime.cz\/?bhp_view=video\">Otev\u0159\u00edt video blog \u2192<\/a><\/div><\/div>\n     <\/section>\n     <section class=\"home-seo-content\" aria-labelledby=\"home-seo-title\">\n   <div class=\"home-seo-inner\">\n    <div class=\"section-head home-seo-head\"><small>PROV\u011a\u0158EN\u00cd SMLOUVY<\/small><h2 id=\"home-seo-title\">M\u00e1te star\u0161\u00ed nebo st\u00e1le b\u011b\u017e\u00edc\u00ed nebankovn\u00ed p\u016fj\u010dku?<\/h2><p>Pod\u00edvejte se, co m\u00e1 smysl zkontrolovat a jak\u00e9 podklady si p\u0159ipravit. Samotn\u00e1 v\u00fd\u0161e \u00faroku nebo p\u0159eplacen\u00e1 \u010d\u00e1stka je\u0161t\u011b neznamen\u00e1 automatick\u00fd n\u00e1rok na vr\u00e1cen\u00ed pen\u011bz \u2014 rozhoduj\u00ed konkr\u00e9tn\u00ed smlouvy, platby a okolnosti p\u0159\u00edpadu.<\/p><\/div>\n\n    <div class=\"home-seo-grid\">\n     <article><h3>Kdy m\u00e1 smysl nechat nebankovn\u00ed \u00fav\u011br prov\u011b\u0159it<\/h3><p>Prov\u011b\u0159en\u00ed m\u016f\u017ee b\u00fdt u\u017eite\u010dn\u00e9 u p\u016fj\u010dky, kterou st\u00e1le spl\u00e1c\u00edte, i u \u00fav\u011bru splacen\u00e9ho p\u0159ed n\u011bkolika lety. Typick\u00fdm impulzem b\u00fdv\u00e1 situace, kdy jste si p\u016fj\u010dili relativn\u011b men\u0161\u00ed \u010d\u00e1stku, ale na spl\u00e1tk\u00e1ch, \u00faroc\u00edch, prodlou\u017een\u00edch nebo dal\u0161\u00edch poplatc\u00edch jste zaplatili v\u00fdrazn\u011b v\u00edce. D\u016fle\u017eit\u00e1 m\u016f\u017ee b\u00fdt tak\u00e9 situace, kdy bylo sjedn\u00e1n\u00ed velmi rychl\u00e9 a poskytovatel se t\u00e9m\u011b\u0159 nezaj\u00edmal o va\u0161e p\u0159\u00edjmy, v\u00fddaje a dal\u0161\u00ed z\u00e1vazky.<\/p><p>Ka\u017ed\u00fd p\u0159\u00edpad je ale jin\u00fd. Proto neslibujeme v\u00fdsledek podle n\u00e1zvu spole\u010dnosti ani podle jedn\u00e9 \u010d\u00e1stky z kalkula\u010dky. Nejd\u0159\u00edv pot\u0159ebujeme vid\u011bt skute\u010dn\u00e9 dokumenty a historii plateb.<\/p><\/article>\n     <article><h3>Co si p\u0159ipravit k prvn\u00edmu posouzen\u00ed<\/h3><p>Nejlep\u0161\u00ed je p\u016fvodn\u00ed smlouva o \u00fav\u011bru, obchodn\u00ed podm\u00ednky a p\u0159\u00edpadn\u00e9 dodatky. Pom\u016f\u017ee tak\u00e9 spl\u00e1tkov\u00fd kalend\u00e1\u0159, p\u0159ehled \u010derp\u00e1n\u00ed, bankovn\u00ed v\u00fdpisy, potvrzen\u00ed o platb\u00e1ch a komunikace s poskytovatelem. Pokud dokumenty nem\u00e1te kompletn\u00ed, nen\u00ed nutn\u00e9 \u010dekat. Po\u0161lete to, co m\u00e1te, a p\u0159i prvn\u00edm posouzen\u00ed zjist\u00edme, co je\u0161t\u011b m\u016f\u017ee b\u00fdt pot\u0159eba dohledat.<\/p><p>U b\u011b\u017e\u00edc\u00ed p\u016fj\u010dky doporu\u010dujeme nic sv\u00e9voln\u011b nem\u011bnit jen na z\u00e1klad\u011b obecn\u00e9ho \u010dl\u00e1nku na internetu. Konkr\u00e9tn\u00ed dal\u0161\u00ed postup by m\u011bl vych\u00e1zet z konkr\u00e9tn\u00ed smlouvy a aktu\u00e1ln\u00edho stavu z\u00e1vazku.<\/p><\/article>\n    <\/div>\n\n    <section class=\"legal-support-block\" aria-label=\"Pr\u00e1vn\u00ed z\u00e1zem\u00ed\">\n     <div class=\"legal-support-head\">\n      <div class=\"legal-support-icon\">\u00a7<\/div>\n      <div>\n       <small>PR\u00c1VN\u00cd Z\u00c1ZEM\u00cd<\/small>\n       <h3>Kdy\u017e je pot\u0159eba pr\u00e1vn\u00ed zastoupen\u00ed, nejste na to sami<\/h3>\n      <\/div>\n     <\/div>\n     <div class=\"legal-support-intro\">\n      <p>P\u0159i \u0159e\u0161en\u00ed n\u011bkter\u00fdch p\u0159\u00edpad\u016f spolupracujeme s <strong>AD AEQUA s.r.o., advok\u00e1tn\u00ed kancel\u00e1\u0159<\/strong>. Pokud situace vy\u017eaduje pr\u00e1vn\u00ed postup nebo zastupov\u00e1n\u00ed ve sporu, zajist\u00edme n\u00e1vaznost tak, aby klient nemusel dal\u0161\u00ed pomoc hledat s\u00e1m.<\/p>\n      <p>D\u00edky tomu m\u00e1te jasn\u011bj\u0161\u00ed p\u0159edstavu o dal\u0161\u00edm postupu a v\u00edte, \u017ee v p\u0159\u00edpad\u011b pot\u0159eby je k dispozici skute\u010dn\u00e9 pr\u00e1vn\u00ed z\u00e1zem\u00ed.<\/p>\n     <\/div>\n     <div class=\"legal-support-points\">\n      <div><span>\u2713<\/span><b>Pr\u00e1vn\u00ed z\u00e1zem\u00ed<\/b><em>P\u0159i slo\u017eit\u011bj\u0161\u00edch p\u0159\u00edpadech je na koho nav\u00e1zat.<\/em><\/div>\n      <div><span>\u2713<\/span><b>Bez hled\u00e1n\u00ed dal\u0161\u00ed pomoci<\/b><em>Dal\u0161\u00ed krok zajist\u00edme v r\u00e1mci navazuj\u00edc\u00edho postupu.<\/em><\/div>\n      <div><span>\u2713<\/span><b>Jasn\u00fd dal\u0161\u00ed postup<\/b><em>Vysv\u011btl\u00edme v\u00e1m, co se bude d\u00edt a pro\u010d.<\/em><\/div>\n     <\/div>\n     <p class=\"legal-support-note\"><strong>Bez platby p\u0159edem.<\/strong> N\u00e1klady se \u0159e\u0161\u00ed v r\u00e1mci \u00fasp\u011b\u0161n\u011b dokon\u010den\u00e9ho p\u0159\u00edpadu podle sjednan\u00fdch podm\u00ednek.<\/p>\n    <\/section>\n\n    <section class=\"review-info-block\">\n     <div class=\"review-info-head\">\n      <small>CO PROV\u011a\u0158UJEME<\/small>\n      <h2>Na smlouvu se d\u00edv\u00e1me v souvislostech<\/h2>\n      <p>Nejde jen o v\u00fd\u0161i \u00faroku. D\u016fle\u017eit\u00e9 jsou i dal\u0161\u00ed podm\u00ednky, skute\u010dn\u00e9 platby a okolnosti konkr\u00e9tn\u00edho p\u0159\u00edpadu.<\/p>\n     <\/div>\n     <div class=\"review-info-grid\">\n      <article class=\"review-info-card review-info-card-wide\">\n       <div>\n        <h3 class=\"review-info-pill\">Co se p\u0159i kontrole smlouvy sleduje<\/h3>\n        <p>P\u0159i odborn\u00e9m prov\u011b\u0159en\u00ed se nehodnot\u00ed pouze \u00farok. D\u016fle\u017eit\u00e1 m\u016f\u017ee b\u00fdt celkov\u00e1 cena \u00fav\u011bru, <a href=\"https:\/\/www.navratime.cz\/?bhp_view=slovnik#rpsn\">RPSN<\/a>, poplatky, sankce, zp\u016fsob sjedn\u00e1n\u00ed smlouvy i to, jak poskytovatel posuzoval <a href=\"https:\/\/www.navratime.cz\/?bhp_view=slovnik#uveruschopnost\">\u00fav\u011bruschopnost<\/a> klienta. U star\u0161\u00edch p\u016fj\u010dek se nav\u00edc pracuje s pr\u00e1vn\u00ed \u00fapravou platnou v dob\u011b, kdy byla smlouva uzav\u0159ena.<\/p>\n        <p>Samotn\u00e9 zji\u0161t\u011bn\u00ed, \u017ee jste zaplatili v\u00edce ne\u017e p\u016fvodn\u00ed jistinu, je\u0161t\u011b ne\u0159\u00edk\u00e1, zda je smlouva pr\u00e1vn\u011b problematick\u00e1. P\u0159eplatek je ale praktick\u00fd sign\u00e1l, \u017ee stoj\u00ed za to spo\u010d\u00edtat skute\u010dn\u00e9 platby a porovnat je s t\u00edm, co bylo ve smlouv\u011b sjedn\u00e1no.<\/p>\n       <\/div>\n      <\/article>\n      <article class=\"review-info-card\">\n       <div><h3 class=\"review-info-pill\">Splacen\u00e1 p\u016fj\u010dka? Dokumenty si nechte<\/h3><p>Lid\u00e9 \u010dasto star\u00e9 smlouvy vyhazuj\u00ed, jakmile je \u00fav\u011br splacen\u00fd. Pokud je ale m\u00e1te, doporu\u010dujeme je ponechat. U n\u011bkter\u00fdch p\u0159\u00edpad\u016f m\u016f\u017ee d\u00e1vat smysl zp\u011btn\u00e9 pr\u00e1vn\u00ed posouzen\u00ed. V\u00fdsledek z\u00e1vis\u00ed na konkr\u00e9tn\u00edch datech, okolnostech a p\u0159\u00edpadn\u00fdch lh\u016ft\u00e1ch.<\/p><\/div>\n      <\/article>\n      <article class=\"review-info-card\">\n       <div><h3 class=\"review-info-pill\">\u0158e\u0161\u00edme \u0159adu nebankovn\u00edch spole\u010dnost\u00ed<\/h3><p>Na webu najdete samostatn\u00e9 \u010dl\u00e1nky k poskytovatel\u016fm a zna\u010dk\u00e1m, kter\u00e9 lid\u00e9 nej\u010dast\u011bji hledaj\u00ed \u2014 nap\u0159\u00edklad AvaFin, CreditON, CreditAir, Via SMS, Tando, Rerum, Ofin, Zaplo, Kimbi, FlexiFin, Provident, Ferratum, Home Credit a dal\u0161\u00ed.<\/p><\/div>\n      <\/article>\n      <article class=\"review-info-card review-info-card-accent\">\n       <div><h3 class=\"review-info-pill\">Jak prob\u00edh\u00e1 prvn\u00ed prov\u011b\u0159en\u00ed<\/h3><p>Nejd\u0159\u00edv n\u00e1m stru\u010dn\u011b pop\u00ed\u0161ete situaci a uvedete, od koho jste si p\u016fj\u010dili. Potom po\u0161lete dostupn\u00e9 podklady. Pokud smysl pokra\u010dovat nen\u00ed, \u0159ekneme v\u00e1m to. Pokud ano, vysv\u011btl\u00edme dal\u0161\u00ed kroky i podm\u00ednky spolupr\u00e1ce p\u0159edem.<\/p><\/div>\n      <\/article>\n     <\/div>\n    <\/section>\n\n    <div class=\"home-faq\">\n     <div class=\"section-head\"><small>\u010cAST\u00c9 OT\u00c1ZKY<\/small><h2>Co lid\u00e9 \u0159e\u0161\u00ed nej\u010dast\u011bji<\/h2><\/div>\n     <details><summary>Mohu nechat prov\u011b\u0159it i u\u017e splacenou p\u016fj\u010dku?<\/summary><p>Ano, k prvn\u00edmu posouzen\u00ed lze poslat i dokumenty ke splacen\u00e9mu \u00fav\u011bru. Jestli m\u00e1 konkr\u00e9tn\u00ed p\u0159\u00edpad smysl d\u00e1l \u0159e\u0161it, z\u00e1vis\u00ed na smlouv\u011b, platb\u00e1ch, datech a pr\u00e1vn\u00edch okolnostech.<\/p><\/details>\n     <details><summary>Co kdy\u017e nem\u00e1m p\u016fvodn\u00ed smlouvu?<\/summary><p>Po\u0161lete to, co m\u00e1te \u2014 nap\u0159\u00edklad e-maily, v\u00fdpisy, spl\u00e1tkov\u00fd kalend\u00e1\u0159 nebo potvrzen\u00ed o platb\u00e1ch. Podle podklad\u016f lze ur\u010dit, co bude pot\u0159eba p\u0159\u00edpadn\u011b dohledat.<\/p><\/details>\n     <details><summary>Znamen\u00e1 vysok\u00fd \u00farok automaticky, \u017ee dostanu pen\u00edze zp\u011bt?<\/summary><p>Ne. Samotn\u00e1 v\u00fd\u0161e \u00faroku automatick\u00fd n\u00e1rok nevytv\u00e1\u0159\u00ed. V\u017edy je pot\u0159eba posoudit konkr\u00e9tn\u00ed smlouvu a okolnosti jej\u00edho uzav\u0159en\u00ed a spl\u00e1cen\u00ed.<\/p><\/details>\n     <details><summary>M\u00e1m p\u0159estat spl\u00e1cet, kdy\u017e m\u00e1m podez\u0159en\u00ed na probl\u00e9m ve smlouv\u011b?<\/summary><p>Neprov\u00e1d\u011bjte jednostrann\u00e9 zm\u011bny jen podle obecn\u00e9 informace na internetu. U b\u011b\u017e\u00edc\u00edho \u00fav\u011bru je nejd\u0159\u00edv pot\u0159eba zn\u00e1t p\u0159esn\u00fd stav a konkr\u00e9tn\u00ed dokumenty.<\/p><\/details>\n     <details><summary>Kolik stoj\u00ed prvn\u00ed prov\u011b\u0159en\u00ed?<\/summary><p>Na tomto webu je slu\u017eba nastavena bez platby p\u0159edem. Pokud se p\u0159\u00edpad \u00fasp\u011b\u0161n\u011b vy\u0159e\u0161\u00ed a z\u00edskaj\u00ed se pen\u00edze zp\u011bt, odm\u011bna se \u0159\u00edd\u00ed modelem popsan\u00fdm v\u00fd\u0161e na str\u00e1nce.<\/p><\/details>\n    <\/div>\n\n    <div class=\"home-seo-cta\"><h3>M\u00e1te smlouvu nebo alespo\u0148 p\u0159ehled plateb?<\/h3><p>Po\u0161lete z\u00e1kladn\u00ed \u00fadaje. Nejd\u0159\u00edv zjist\u00edme, zda m\u00e1 smysl pokra\u010dovat.<\/p><a class=\"btn\" href=\"#formular\">Chci prov\u011b\u0159it svou p\u016fj\u010dku \u2192<\/a><\/div>\n   <\/div>\n  <\/section>\n   <section id=\"kontakt\" class=\"contact contact-balanced\"><div class=\"contact-copy\"><small>KONTAKT<\/small><h2>Berger, Hor\u00e1\u010dek & partne\u0159i s.r.o.<\/h2><div class=\"contact-actions\"><a class=\"btn\" href=\"tel:+420722252533\">Zavolat n\u00e1m&nbsp; +420 722 252 533<\/a><a class=\"btn\" href=\"https:\/\/www.navratime.cz\/index.php\/kontakt\/\">Napi\u0161te n\u00e1m<\/a><\/div><nav class=\"contact-links\" aria-label=\"Rychl\u00e9 odkazy\"><a href=\"https:\/\/www.navratime.cz\/#jak\">Jak to funguje<\/a><a href=\"https:\/\/www.navratime.cz\/#proc\">Pro\u010d my<\/a><a href=\"https:\/\/www.navratime.cz\/?bhp_view=blog\">Blog<\/a><a href=\"https:\/\/www.navratime.cz\/?bhp_view=stories\">Va\u0161e p\u0159\u00edb\u011bhy<\/a><a href=\"https:\/\/www.navratime.cz\/?bhp_view=video\">Video blog<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/kontakt\/\">Kontakt<\/a><\/nav><\/div><div class=\"contact-visual\"><img decoding=\"async\" src=\"https:\/\/www.navratime.cz\/wp-content\/plugins\/finance-web-plugin\/assets\/roman-predani-penez.png\" alt=\"Roman p\u0159ed\u00e1v\u00e1 pen\u00edze spokojen\u00e9 klientce\"><\/div><\/section>\n <\/main><footer><b>Berger, Hor\u00e1\u010dek & partne\u0159i s.r.o.<\/b><span>\u00a9 2026 \u2022 <a href=\"tel:+420722252533\">+420 722 252 533<\/a> \u2022 <a href=\"mailto:navratime@navratime.cz\">navratime@navratime.cz<\/a> \u2022 <a href=\"\/gdpr\/\">Ochrana osobn\u00edch \u00fadaj\u016f<\/a> \u2022 <a href=\"\/obchodni-podminky\/\">Obchodn\u00ed podm\u00ednky<\/a><\/span><\/footer>\n <button class=\"advisor\" aria-label=\"Rada poradce\"><img decoding=\"async\" src=\"https:\/\/www.navratime.cz\/wp-content\/plugins\/finance-web-plugin\/assets\/roman.png\"><span><b>M\u00e1te ot\u00e1zky?<\/b><em>Jsem Roman, porad\u00edm v\u00e1m.<\/em><\/span><\/button><div class=\"advisor-pop\"><button>\u00d7<\/button><b>Ahoj, jsem Roman \ud83d\udc4b<\/b><p>Porad\u00edm v\u00e1m, jak na to. Za\u010dn\u011bte kr\u00e1tk\u00fdmi ot\u00e1zkami.<\/p><a href=\"#formular\">Spustit kr\u00e1tk\u00e9 ot\u00e1zky \u2192<\/a><\/div><\/div>\n \n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_kad_post_transparent":"default","_kad_post_title":"default","_kad_post_layout":"default","_kad_post_sidebar_id":"","_kad_post_content_style":"default","_kad_post_vertical_padding":"default","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-7","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Navr\u00e1t\u00edme.cz - Navr\u00e1t\u00edme.cz<\/title>\n<meta name=\"description\" content=\"Navr\u00e1t\u00edme o co v\u00e1s nebankovn\u00ed p\u016fj\u010dky p\u0159ipravily. 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