{"id":3042,"date":"2024-06-13T12:03:47","date_gmt":"2024-06-13T15:03:47","guid":{"rendered":"https:\/\/bluerabbitech.com\/?p=3042"},"modified":"2025-06-13T12:06:13","modified_gmt":"2025-06-13T15:06:13","slug":"3042-2","status":"publish","type":"post","link":"https:\/\/bluerabbitech.com\/cs\/3042-2\/","title":{"rendered":"Jak zkontrolovat \u010d\u00e1stku, o kterou m\u016f\u017eete po\u017e\u00e1dat v p\u016fj\u010dce Libranza"},"content":{"rendered":"

P\u0159em\u00fd\u0161leli jste n\u011bkdy o najmut\u00ed Libranza Credit<\/strong> Chcete si uspo\u0159\u00e1dat finance, ale nejste si jisti, kolik si m\u016f\u017eete p\u016fj\u010dit? Pokud jste form\u00e1ln\u011b zam\u011bstnan\u00fd pracovn\u00edk, d\u016fchodce nebo \u010dlen dru\u017estva v Kolumbii, m\u016f\u017ee b\u00fdt tato mo\u017enost \u00fav\u011bru jednou z nejdostupn\u011bj\u0161\u00edch a nejv\u00fdhodn\u011bj\u0161\u00edch na trhu.<\/p>\n

S automatick\u00e9 sr\u00e1\u017eky ze mzdy nebo d\u016fchodu<\/strong>, Libranza Credit garantuje konkurenceschopn\u00e9 \u00farokov\u00e9 sazby a bezpe\u010dn\u011bj\u0161\u00ed proces \u2013 jak pro banku, tak pro dlu\u017en\u00edka. Ne\u017e ale podniknete prvn\u00ed krok, je d\u016fle\u017eit\u00e9 v\u011bd\u011bt: Jak\u00e1 je maxim\u00e1ln\u00ed \u010d\u00e1stka, o kterou si m\u016f\u017eete skute\u010dn\u011b po\u017e\u00e1dat?<\/strong><\/p>\n

V tomto \u010dl\u00e1nku se dozv\u00edte Jak zkontrolovat dostupn\u00fd z\u016fstatek<\/strong>, Poj\u010fme se pod\u00edvat na to, jak funguje Libranza Credit a jak\u00e9 tipy je t\u0159eba dodr\u017eovat, abyste se mohli chyt\u0159e finan\u010dn\u011b rozhodnout.<\/p>\n

Co je to Libranza \u00fav\u011br a pro\u010d je tak obl\u00edben\u00fd?<\/strong><\/h2>\n

THE Libranza Credit<\/strong> Je to druh osobn\u00ed p\u016fj\u010dka<\/strong> upraveno z\u00e1konem 1527 z roku 2012. Jeho hlavn\u00ed charakteristikou je, \u017ee Spl\u00e1tky se ode\u010d\u00edtaj\u00ed p\u0159\u00edmo z platu, d\u016fchodu nebo jin\u00e9ho opakuj\u00edc\u00edho se p\u0159\u00edjmu.<\/strong>.<\/p>\n

\u2705 Hlavn\u00ed v\u00fdhody<\/strong>:<\/p>\n

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    Ni\u017e\u0161\u00ed \u00farokov\u00e9 sazby<\/strong> ne\u017e u typick\u00fdch osobn\u00edch p\u016fj\u010dek;<\/p>\n<\/li>\n

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    Nen\u00ed vy\u017eadov\u00e1n ru\u010ditel.<\/strong> nebo dodate\u010dnou z\u00e1ruku;<\/p>\n<\/li>\n

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    Automatick\u00e9 platby<\/strong>, \u010d\u00edm\u017e se p\u0159edch\u00e1z\u00ed zpo\u017ed\u011bn\u00edm a nepln\u011bn\u00edm;<\/p>\n<\/li>\n

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    Flexibiln\u00ed podm\u00ednky<\/strong> term\u00edn a hodnota.<\/p>\n<\/li>\n<\/ul>\n

    \ud83d\udccc Kdo se m\u016f\u017ee p\u0159ihl\u00e1sit?<\/strong><\/p>\n

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      Form\u00e1ln\u00ed pracovn\u00edci (ve\u0159ejn\u00fd i soukrom\u00fd sektor);<\/p>\n<\/li>\n

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      D\u016fchodci Sb\u00edrky<\/strong> nebo soukrom\u00e9 finan\u010dn\u00ed prost\u0159edky;<\/p>\n<\/li>\n

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      \u010clenov\u00e9 dru\u017estva<\/strong>, zam\u011bstnaneck\u00e9 fondy<\/strong> a fondy pro rodinn\u00e9 od\u0161kodn\u011bn\u00ed<\/strong>.<\/p>\n<\/li>\n<\/ul>\n

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      Jak\u00e1 je dostupn\u00e1 v\u00fd\u0161e kreditu v Libranze?<\/strong><\/h2>\n

      Kdy\u017e mluv\u00edme o \u201cdostupn\u00e1 hodnota<\/strong>\u201cM\u00e1me na mysli maxim\u00e1ln\u00ed \u010d\u00e1stka, kterou v\u00e1m finan\u010dn\u00ed instituce povol\u00ed po\u017eadovat<\/strong> v dan\u00e9m \u010dase, dle va\u0161eho profilu a pravidel dan\u00e9 instituce.<\/p>\n

      \ud83d\udd0d Faktory, kter\u00e9 tuto hodnotu ovliv\u0148uj\u00ed<\/strong>:<\/p>\n

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        V\u00e1\u0161 \u010dist\u00fd plat<\/strong> nebo v\u00fd\u0161e d\u016fchodu;<\/p>\n<\/li>\n

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        Z\u00e1vazek z aktu\u00e1ln\u00edho p\u0159\u00edjmu (procento ji\u017e pou\u017eit\u00e9 na jin\u00e9 \u00fav\u011bry);<\/p>\n<\/li>\n

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        Existence aktivn\u00ed p\u016fj\u010dky<\/strong>;<\/p>\n<\/li>\n

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        V\u00e1\u0161 platebn\u00ed schopnost<\/strong> m\u011bs\u00ed\u010dn\u011b dle legislativy;<\/p>\n<\/li>\n

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        Pravidla finan\u010dn\u00ed instituce (banky, dru\u017estva nebo fondu).<\/p>\n<\/li>\n<\/ul>\n

        Zn\u00e1t sv\u00e9 dostupn\u00e1 hodnota<\/strong> P\u0159ed p\u0159ijet\u00edm do zam\u011bstn\u00e1n\u00ed je to strategick\u00fd krok, kter\u00fd v\u00e1m pom\u016f\u017ee vyhnout se finan\u010dn\u00edm n\u00e1strah\u00e1m.<\/p>\n

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        Jak zjistit, kolik si m\u016f\u017eete n\u00e1rokovat<\/strong><\/h2>\n

        1. P\u0159\u00edm\u00fd dotaz v bance nebo dru\u017estvu<\/strong><\/h3>\n

        Nejspolehliv\u011bj\u0161\u00edm zp\u016fsobem je obr\u00e1tit se p\u0159\u00edmo na va\u0161i \u00fav\u011brovou instituci. Pou\u017eijte:<\/p>\n

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          Ofici\u00e1ln\u00ed webov\u00e9 str\u00e1nky<\/strong> (simul\u00e1tor \u00fav\u011br\u016f);<\/p>\n<\/li>\n

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          Mobiln\u00ed aplikace<\/strong>;<\/p>\n<\/li>\n

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          Telefonick\u00e1 podpora<\/strong>;<\/p>\n<\/li>\n

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          WhatsApp nebo online chat<\/strong>;<\/p>\n<\/li>\n

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          Fyzick\u00e9 pobo\u010dky<\/strong>.<\/p>\n<\/li>\n<\/ul>\n

          Kl\u00ed\u010dov\u00e9 instituce nab\u00edzej\u00edc\u00ed \u00fav\u011br Libranza<\/strong>:<\/p>\n

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            Kolumbijsk\u00e1 banka<\/strong><\/p>\n<\/li>\n

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            Davivienda<\/strong><\/p>\n<\/li>\n

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            Banka v Bogot\u011b<\/strong><\/p>\n<\/li>\n

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            Obl\u00edben\u00e1 banka<\/strong><\/p>\n<\/li>\n

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            Soci\u00e1ln\u00ed schr\u00e1nka<\/strong><\/p>\n<\/li>\n

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            BBVA Kolumbie<\/strong><\/p>\n<\/li>\n

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            Dru\u017estva<\/strong> jako Coomeva<\/strong>, Fincomercio<\/strong>, \u00dav\u011brov\u00e9 financov\u00e1n\u00ed<\/strong>, mimo jin\u00e9.<\/p>\n<\/li>\n<\/ul>\n

            2. Pora\u010fte se s person\u00e1ln\u00edm odd\u011blen\u00edm va\u0161\u00ed spole\u010dnosti.<\/strong><\/h3>\n

            Pokud jste form\u00e1ln\u011b zam\u011bstn\u00e1n\/a, obra\u0165te se na Odd\u011blen\u00ed lidsk\u00fdch talent\u016f<\/strong> V\u011bd\u011bt:<\/p>\n

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              Kter\u00e9 banky a dru\u017estevn\u00ed z\u00e1lo\u017eny maj\u00ed s va\u0161\u00ed spole\u010dnost\u00ed smlouvy?;<\/p>\n<\/li>\n

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              Maxim\u00e1ln\u00ed povolen\u00e1 procentu\u00e1ln\u00ed sleva;<\/p>\n<\/li>\n

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              Zvl\u00e1\u0161tn\u00ed podm\u00ednky sjednan\u00e9 spole\u010dnost\u00ed.<\/p>\n<\/li>\n<\/ul>\n

              3. Konzultace v penzijn\u00edm fondu<\/strong><\/h3>\n

              D\u016fchodci si mohou sv\u00e9 penzijn\u00ed fondy ov\u011b\u0159it p\u0159\u00edmo:<\/p>\n

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                Sb\u00edrky<\/strong><\/p>\n<\/li>\n

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                Ochrana<\/strong><\/p>\n<\/li>\n

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                Budoucnost<\/strong><\/p>\n<\/li>\n

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                Skandia<\/strong><\/p>\n<\/li>\n

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                Old Mutual<\/strong><\/p>\n<\/li>\n<\/ul>\n

                Zpr\u00e1va o fondech povolen\u00e9 procento slevy<\/strong> a partnersk\u00e9 organizace.<\/p>\n

                4. Online simul\u00e1tory p\u016fj\u010dek<\/strong><\/h3>\n

                Specializovan\u00e9 webov\u00e9 str\u00e1nky a n\u00e1stroje pro porovn\u00e1n\u00ed \u00fav\u011br\u016f<\/strong> Mohou v\u00e1m pomoci z\u00edskat cenovou nab\u00eddku, i kdy\u017e se je\u0161t\u011b nejedn\u00e1 o z\u00e1vaznou. Vyu\u017eijte to k porovn\u00e1n\u00ed mo\u017enost\u00ed.<\/p>\n

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                Kolik si vlastn\u011b m\u016f\u017eete vy\u017e\u00e1dat?<\/strong><\/h2>\n

                \ud83d\udd38 V\u011bt\u0161ina instituc\u00ed v\u00e1m umo\u017e\u0148uje zav\u00e1zat se a\u017e 30% a\u017e 50% va\u0161eho \u010dist\u00e9ho p\u0159\u00edjmu<\/strong> se spl\u00e1tkou \u00fav\u011bru Libranza.<\/p>\n

                \ud83d\udd38 \u010casov\u00fd r\u00e1mec se obvykle pohybuje mezi 12 a\u017e 84 m\u011bs\u00edc\u016f<\/strong>.<\/p>\n

                P\u0159\u00edklad<\/strong>pokud vyhraje\u0161 $2 500 000 kolumbijsk\u00fdch pesos \u010dist\u00e9ho m\u011bs\u00ed\u010dn\u011b<\/strong> a instituce umo\u017e\u0148uje z\u00e1vazek a\u017e do v\u00fd\u0161e 30%<\/strong>, M\u016f\u017eete spl\u00e1cet a\u017e $750.000 pesos<\/strong>. Celkov\u00e1 uvoln\u011bn\u00e1 \u010d\u00e1stka z\u00e1vis\u00ed na zvolen\u00e9m \u010dasov\u00e9m r\u00e1mci.<\/p>\n

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                Mohu si po\u017e\u00e1dat o novou p\u016fj\u010dku, pokud ji\u017e m\u00e1m aktivn\u00ed \u00fa\u010det Libranza?<\/strong><\/h2>\n

                Ano! Mnoho instituc\u00ed to umo\u017e\u0148uje. obnovit<\/strong> P\u016fj\u010dka je k dispozici za p\u0159edpokladu, \u017ee jste splatili podstatnou \u010d\u00e1st sv\u00e9 p\u0159edchoz\u00ed p\u016fj\u010dky.<\/p>\n

                \ud83d\udc49 V tomto p\u0159\u00edpad\u011b:<\/p>\n

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                  THE nesplacen\u00fd z\u016fstatek<\/strong> \u010c\u00e1st star\u00e9 p\u016fj\u010dky bude splacena \u010d\u00e1st\u00ed nov\u00e9 p\u016fj\u010dky.<\/p>\n<\/li>\n

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                  Obdr\u017e\u00edte pouze dodate\u010dnou \u010d\u00e1stku, kter\u00e1 byla uvoln\u011bna.<\/p>\n<\/li>\n

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                  Podm\u00ednky nov\u00e9 operace budou z\u00e1viset na va\u0161ich aktu\u00e1ln\u00ed platebn\u00ed schopnost<\/strong>.<\/p>\n<\/li>\n<\/ul>\n

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                  Z\u00e1kladn\u00ed tipy p\u0159ed sjedn\u00e1n\u00edm p\u016fj\u010dky Libranza<\/strong><\/h2>\n

                  \u2705 Simulujte p\u016fj\u010dku<\/strong> p\u0159ed podpisem jak\u00e9koli smlouvy.<\/p>\n

                  \u2705 Nep\u0159eh\u00e1n\u011bjte sv\u00e9 z\u00e1vazky 30% va\u0161eho platu\/d\u016fchodu<\/strong>, kdykoli je to mo\u017en\u00e9.<\/p>\n

                  \u2705 Vyhn\u011bte se br\u00e1n\u00ed p\u016fj\u010dek na zbyte\u010dn\u00e9 v\u00fddaje.<\/p>\n

                  \u2705 \u010c\u00edst cel\u00e1 smlouva<\/strong>, zejm\u00e9na ustanoven\u00ed t\u00fdkaj\u00edc\u00ed se poplatk\u016f a lh\u016ft.<\/p>\n

                  \u2705 Porovnejte nab\u00eddky mezi bankami a dru\u017estevn\u00edmi z\u00e1lo\u017enami.<\/p>\n

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                  Z\u00e1v\u011br<\/strong><\/h2>\n

                  Zkontrolujte si \u010d\u00e1stku, kterou m\u016f\u017eete po\u017eadovat Libranza Credit<\/strong> Je to z\u00e1sadn\u00ed krok k zodpov\u011bdn\u00e9mu finan\u010dn\u00edmu pl\u00e1nov\u00e1n\u00ed. S online simul\u00e1tory<\/strong>, Konzultac\u00ed s person\u00e1ln\u00edm odd\u011blen\u00edm va\u0161\u00ed spole\u010dnosti nebo p\u0159\u00edmo s va\u0161\u00ed bankou \u010di dru\u017estevn\u00ed z\u00e1lo\u017enou m\u016f\u017eete z\u00edskat kompletn\u00ed p\u0159ehled o sv\u00e9m \u00fav\u011brov\u00e9m profilu.<\/p>\n

                  Pamatujte: Libranza Credit je mocn\u00fd n\u00e1stroj, ale mus\u00ed b\u00fdt pou\u017e\u00edv\u00e1n moud\u0159e. Kdy\u017e v\u00edte... Kolik si m\u016f\u017eete vy\u017e\u00e1dat?<\/strong> S nab\u00edzen\u00fdmi podm\u00ednkami se vyhnete p\u0159ekvapen\u00edm a u\u010din\u00edte rozhodnut\u00ed, kter\u00e1 prosp\u011bj\u00ed va\u0161\u00ed dlouhodob\u00e9 finan\u010dn\u00ed pohod\u011b.<\/p>\n

                  \u2728 Te\u010f je \u0159ada na tob\u011b!<\/strong> Pora\u010fte se se svou bankou, porovnejte nab\u00eddky a bezpe\u010dn\u011b a strategicky si uspo\u0159\u00e1dejte finance.<\/p>","protected":false},"excerpt":{"rendered":"

                  Voc\u00ea j\u00e1 pensou em contratar um Cr\u00e9dito Libranza para organizar sua vida financeira, mas n\u00e3o sabe quanto poderia solicitar? Se voc\u00ea \u00e9 trabalhador formal, aposentado…<\/p>","protected":false},"author":1,"featured_media":3045,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[1466,1469,1426,1464,1418,1465,1396,1468,1442,1467],"class_list":["post-3042","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-informacoes","tag-aposentadoscolombia","tag-bancocolombia","tag-colombia","tag-creditolibranza","tag-dicasfinanceiras","tag-emprestimoconsignado","tag-financaspessoais","tag-financiamentoseguro","tag-planejamentofinanceiro","tag-rhcolombia"],"_links":{"self":[{"href":"https:\/\/bluerabbitech.com\/cs\/wp-json\/wp\/v2\/posts\/3042","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bluerabbitech.com\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bluerabbitech.com\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bluerabbitech.com\/cs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bluerabbitech.com\/cs\/wp-json\/wp\/v2\/comments?post=3042"}],"version-history":[{"count":4,"href":"https:\/\/bluerabbitech.com\/cs\/wp-json\/wp\/v2\/posts\/3042\/revisions"}],"predecessor-version":[{"id":3047,"href":"https:\/\/bluerabbitech.com\/cs\/wp-json\/wp\/v2\/posts\/3042\/revisions\/3047"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bluerabbitech.com\/cs\/wp-json\/wp\/v2\/media\/3045"}],"wp:attachment":[{"href":"https:\/\/bluerabbitech.com\/cs\/wp-json\/wp\/v2\/media?parent=3042"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bluerabbitech.com\/cs\/wp-json\/wp\/v2\/categories?post=3042"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bluerabbitech.com\/cs\/wp-json\/wp\/v2\/tags?post=3042"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}