{"id":115,"date":"2025-06-01T15:20:36","date_gmt":"2025-06-01T15:20:36","guid":{"rendered":"https:\/\/likapk.com\/?p=115"},"modified":"2025-06-01T15:20:38","modified_gmt":"2025-06-01T15:20:38","slug":"how-to-get-a-loan-from-jpmorgan-chase","status":"publish","type":"post","link":"https:\/\/likapk.com\/cs\/how-to-get-a-loan-from-jpmorgan-chase\/115\/","title":{"rendered":"Jak z\u00edskat p\u016fj\u010dku od JPMorgan Chase"},"content":{"rendered":"<p>JPMorgan Chase je nejv\u011bt\u0161\u00ed banka ve Spojen\u00fdch st\u00e1tech. Obsluhuje v\u00edce ne\u017e 60 milion\u016f dom\u00e1cnost\u00ed a nab\u00edz\u00ed \u0161irokou \u0161k\u00e1lu \u00fav\u011brov\u00fdch produkt\u016f pro osobn\u00ed i firemn\u00ed pou\u017eit\u00ed.<\/p>\n\n\n\n<p>Pochopen\u00ed mo\u017enost\u00ed p\u016fj\u010dek od Chase v\u00e1m m\u016f\u017ee letos pomoci \u010dinit lep\u0161\u00ed finan\u010dn\u00ed rozhodnut\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Nab\u00edz\u00ed Chase osobn\u00ed p\u016fj\u010dky?<\/h2>\n\n\n\n<p>Chase nenab\u00edz\u00ed nezaji\u0161t\u011bn\u00e9 osobn\u00ed p\u016fj\u010dky jako n\u011bkter\u00e9 jin\u00e9 velk\u00e9 banky. To znamen\u00e1, \u017ee si o tradi\u010dn\u00ed osobn\u00ed p\u016fj\u010dku nem\u016f\u017eete po\u017e\u00e1dat p\u0159\u00edmo prost\u0159ednictv\u00edm jejich syst\u00e9mu.<\/p>\n\n\n\n<p>V r\u00e1mci produktov\u00e9 \u0159ady Chase v\u0161ak st\u00e1le existuj\u00ed alternativy, kter\u00e9 slou\u017e\u00ed podobn\u00fdm \u00fa\u010del\u016fm.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Autop\u016fj\u010dky Chase<\/h2>\n\n\n\n<p>Chase poskytuje financov\u00e1n\u00ed pro nov\u00e1 i ojet\u00e1 vozidla. O financov\u00e1n\u00ed m\u016f\u017eete po\u017e\u00e1dat prost\u0159ednictv\u00edm jejich webov\u00fdch str\u00e1nek nebo p\u0159\u00edmo u z\u00fa\u010dastn\u011bn\u00fdch prodejc\u016f, kte\u0159\u00ed jsou partnery Chase Auto.<\/p>\n\n\n\n<p>Doba spl\u00e1cen\u00ed \u00fav\u011bru se obvykle pohybuje od 36 do 72 m\u011bs\u00edc\u016f s fixn\u00ed \u00farokovou sazbou.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak se kvalifikovat na autop\u016fj\u010dku Chase<\/h2>\n\n\n\n<p>Abyste se kvalifikovali, budete pot\u0159ebovat siln\u00fd \u00fav\u011brov\u00fd profil a doklad o p\u0159\u00edjmu. V\u011bt\u0161ina schv\u00e1len\u00ed je dlu\u017en\u00edk\u016fm s \u00fav\u011brov\u00fdm sk\u00f3re nad 680.<\/p>\n\n\n\n<p>Pou\u017eit\u00ed online n\u00e1stroje pro p\u0159edb\u011b\u017enou kvalifikaci od Chase v\u00e1m m\u016f\u017ee pomoci odhadnout va\u0161i sazbu, ani\u017e by to ovlivnilo va\u0161e kreditn\u00ed sk\u00f3re.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">P\u016fj\u010dky Chase zalo\u017een\u00e9 na kreditn\u00edch kart\u00e1ch<\/h2>\n\n\n\n<p>Pokud m\u00e1te kreditn\u00ed kartu Chase, m\u016f\u017eete m\u00edt n\u00e1rok na speci\u00e1ln\u00ed mo\u017enosti p\u016fj\u010dky, jako nap\u0159\u00edklad <strong>Moje p\u016fj\u010dka Chase\u00ae<\/strong>. Tato funkce v\u00e1m umo\u017e\u0148uje p\u016fj\u010dit si z va\u0161eho st\u00e1vaj\u00edc\u00edho \u00fav\u011brov\u00e9ho limitu s fixn\u00edmi spl\u00e1tkami.<\/p>\n\n\n\n<p>Je to rychl\u00e9 a flexibiln\u00ed \u0159e\u0161en\u00ed pro mal\u00e9 \u00fav\u011brov\u00e9 pot\u0159eby.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co je to moje p\u016fj\u010dka Chase\u00ae?<\/h2>\n\n\n\n<p>Tato slu\u017eba v\u00e1m umo\u017e\u0148uje p\u0159ev\u00e9st \u010d\u00e1st va\u0161eho dostupn\u00e9ho \u00fav\u011bru na strukturovan\u00fd \u00fav\u011br. Spl\u00e1cet jej budete po stanovenou dobu s pevnou \u00farokovou sazbou.<\/p>\n\n\n\n<p>Na rozd\u00edl od osobn\u00ed p\u016fj\u010dky o ni nemus\u00edte \u017e\u00e1dat ani p\u0159edkl\u00e1dat dokumenty \u2013 aktivuje se z va\u0161\u00ed karty.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00dav\u011brov\u00e1 linka na bydlen\u00ed (HELOC)<\/h2>\n\n\n\n<p>Chase nab\u00edz\u00ed HELOC \u00fav\u011bry pro majitele dom\u016f, kte\u0159\u00ed cht\u011bj\u00ed z\u00edskat p\u0159\u00edstup k finan\u010dn\u00edm prost\u0159edk\u016fm na z\u00e1klad\u011b vlastn\u00edho kapit\u00e1lu sv\u00e9ho domu. Tato \u00fav\u011brov\u00e1 linka funguje jako kreditn\u00ed karta s flexibiln\u00edmi limity p\u016fj\u010dek.<\/p>\n\n\n\n<p>HELOC jsou obl\u00edbenou n\u00e1hradou za velk\u00e9 osobn\u00ed p\u016fj\u010dky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Obchodn\u00ed podm\u00ednky HELOC<\/h2>\n\n\n\n<p>\u00dav\u011bry Chase HELOC maj\u00ed variabiln\u00ed \u00farokov\u00e9 sazby. B\u011bhem obdob\u00ed \u010derp\u00e1n\u00ed, kter\u00e9 obvykle trv\u00e1 10 let, si m\u016f\u017eete p\u016fj\u010dit, splatit a znovu p\u016fj\u010dit.<\/p>\n\n\n\n<p>Existuj\u00ed minim\u00e1ln\u00ed po\u017eadavky na \u010derp\u00e1n\u00ed a v n\u011bkter\u00fdch p\u0159\u00edpadech se mohou \u00fa\u010dtovat poplatky za uzav\u0159en\u00ed obchodu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Podnikatelsk\u00e9 p\u016fj\u010dky Chase<\/h2>\n\n\n\n<p>Pro majitele firem nab\u00edz\u00ed Chase n\u011bkolik \u00fav\u011brov\u00fdch \u0159e\u0161en\u00ed. Pat\u0159\u00ed mezi n\u011b podnikatelsk\u00e9 \u00fav\u011brov\u00e9 linky, komer\u010dn\u00ed term\u00ednovan\u00e9 \u00fav\u011bry a financov\u00e1n\u00ed kryt\u00e9 SBA.<\/p>\n\n\n\n<p>Budete muset spl\u0148ovat specifick\u00e9 po\u017eadavky v z\u00e1vislosti na velikosti va\u0161\u00ed firmy, p\u0159\u00edjmech a \u00fav\u011brov\u00e9m profilu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kdo m\u016f\u017ee po\u017e\u00e1dat o podnikatelsk\u00e9 p\u016fj\u010dky Chase?<\/h2>\n\n\n\n<p>Spole\u010dnost Chase obvykle spolupracuje se zaveden\u00fdmi firmami. Po\u017eadovan\u00e1 dokumentace zahrnuje obchodn\u00ed licence, da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed a \u00fa\u010detn\u00ed z\u00e1v\u011brky.<\/p>\n\n\n\n<p>Startupy bez p\u0159\u00edjm\u016f mohou m\u00edt v\u011bt\u0161\u00ed probl\u00e9m se schv\u00e1len\u00edm.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak po\u017e\u00e1dat o p\u016fj\u010dku Chase<\/h2>\n\n\n\n<p>\u017d\u00e1dosti o autop\u016fj\u010dky a HELOCy lze podat online. Budete muset zadat sv\u00e9 osobn\u00ed \u00fadaje, \u00fadaje o p\u0159\u00edjmu a \u010d\u00edslo soci\u00e1ln\u00edho zabezpe\u010den\u00ed.<\/p>\n\n\n\n<p>U podnikatelsk\u00fdch \u00fav\u011br\u016f Chase preferuje osobn\u00ed konzultace nebo p\u0159\u00edmou komunikaci s bank\u00e9\u0159em.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Po\u017eadovan\u00e1 dokumentace<\/h2>\n\n\n\n<p>Mezi b\u011b\u017en\u011b pot\u0159ebn\u00e9 dokumenty pat\u0159\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00da\u0159adem vydan\u00fd pr\u016fkaz toto\u017enosti<\/li>\n\n\n\n<li>Doklad o p\u0159\u00edjmu (v\u00fdplatn\u00ed p\u00e1sky nebo da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed)<\/li>\n\n\n\n<li>Informace o hypot\u00e9ce nebo nemovitosti pro HELOC<\/li>\n\n\n\n<li>Registrace firmy, pokud se uch\u00e1z\u00edte o komer\u010dn\u00ed \u00fa\u010dely<\/li>\n<\/ul>\n\n\n\n<p>Chyb\u011bj\u00edc\u00ed dokumenty mohou zpozdit proces schvalov\u00e1n\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u010casov\u00fd r\u00e1mec financov\u00e1n\u00ed<\/h2>\n\n\n\n<p>Financov\u00e1n\u00ed auto\u00fav\u011bru obvykle trv\u00e1 1\u20133 pracovn\u00ed dny. Financov\u00e1n\u00ed HELOC m\u016f\u017ee trvat i n\u011bkolik t\u00fddn\u016f kv\u016fli ocen\u011bn\u00ed nemovitosti a pr\u00e1vn\u00edmu posouzen\u00ed.<\/p>\n\n\n\n<p>Finan\u010dn\u00ed prost\u0159edky z programu My Chase Loan\u00ae jsou obvykle k dispozici opr\u00e1vn\u011bn\u00fdm dr\u017eitel\u016fm kreditn\u00edch karet do 24 hodin.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00darokov\u00e9 sazby Chase<\/h2>\n\n\n\n<p>\u00darokov\u00e9 sazby se li\u0161\u00ed podle produktu. Autop\u016fj\u010dky za\u010d\u00ednaj\u00ed p\u0159ibli\u017en\u011b <strong>6.39% RPSN<\/strong>. HELOC maj\u00ed variabiln\u00ed RPSN za\u010d\u00ednaj\u00edc\u00ed bl\u00edzko <strong>8.50%<\/strong>, v z\u00e1vislosti na \u00fav\u011brov\u00e9 historii a hodnot\u011b nemovitosti.<\/p>\n\n\n\n<p>\u00darokov\u00e9 sazby p\u016fj\u010dky My Chase Loan\u00ae jsou obecn\u011b vy\u0161\u0161\u00ed, \u010dasto kolem <strong>RPSN 15%\u201320%<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">P\u0159edkvalifikace na Chase<\/h2>\n\n\n\n<p>Chase umo\u017e\u0148uje p\u0159edb\u011b\u017en\u00e9 z\u00edsk\u00e1n\u00ed autop\u016fj\u010dky prost\u0159ednictv\u00edm m\u011bkk\u00e9ho posouzen\u00ed \u00fav\u011brov\u00e9ho ratingu. Tento n\u00e1stroj zobrazuje odhadovanou RPSN, dobu trv\u00e1n\u00ed \u00fav\u011bru a v\u00fd\u0161i spl\u00e1tky, ani\u017e by to po\u0161kodilo v\u00e1\u0161 \u00fav\u011brov\u00fd rating.<\/p>\n\n\n\n<p>Je to u\u017eite\u010dn\u00e9 pro porovn\u00e1n\u00ed nab\u00eddek nebo pro sestaven\u00ed rozpo\u010dtu p\u0159edem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">V\u00fdhody p\u016fj\u010dky od Chase<\/h2>\n\n\n\n<p>P\u016fj\u010dka od Chase znamen\u00e1 jednat s jednou z nejbezpe\u010dn\u011bj\u0161\u00edch bank v zemi. Z\u00edsk\u00e1te tak\u00e9 p\u0159\u00edstup k jejich digit\u00e1ln\u00edm n\u00e1stroj\u016fm a z\u00e1kaznick\u00e9 podpo\u0159e 24 hodin denn\u011b, 7 dn\u00ed v t\u00fddnu.<\/p>\n\n\n\n<p>Majitel\u00e9 \u00fa\u010dt\u016f mohou z\u00edskat lep\u0161\u00ed podm\u00ednky \u00fav\u011bru nebo sn\u00ed\u017een\u00e9 poplatky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Rizika a omezen\u00ed<\/h2>\n\n\n\n<p>Nejv\u011bt\u0161\u00edm omezen\u00edm je absence nezaji\u0161t\u011bn\u00fdch osobn\u00edch p\u016fj\u010dek. Pokud tento typ \u00fav\u011bru pot\u0159ebujete, Chase nemus\u00ed b\u00fdt tou nejlep\u0161\u00ed volbou.<\/p>\n\n\n\n<p>P\u016fj\u010dky v\u00e1zan\u00e9 na kreditn\u00ed karty mohou m\u00edt tak\u00e9 vy\u0161\u0161\u00ed RPSN ne\u017e tradi\u010dn\u00ed v\u011b\u0159itel\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Alternativy mimo Chase<\/h2>\n\n\n\n<p>Pokud pot\u0159ebujete osobn\u00ed p\u016fj\u010dku, zva\u017ete v\u011b\u0159itele jako nap\u0159\u00edklad <strong>SoFi<\/strong>, <strong>Marcus od Goldman Sachs<\/strong>, nebo <strong>Sv\u011bteln\u00fd proud<\/strong>. Tyto spole\u010dnosti nab\u00edzej\u00ed konkurenceschopn\u00e9 osobn\u00ed p\u016fj\u010dky s pevnou \u00farokovou sazbou a rychl\u00fdm financov\u00e1n\u00edm.<\/p>\n\n\n\n<p>V\u017edy porovnejte nab\u00eddky, ne\u017e se zav\u00e1\u017eete.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Zlep\u0161en\u00ed va\u0161ich \u0161anc\u00ed na schv\u00e1len\u00ed<\/h2>\n\n\n\n<p>Pro zlep\u0161en\u00ed sv\u00fdch \u0161anc\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Udr\u017eujte si kreditn\u00ed sk\u00f3re nad 700<\/li>\n\n\n\n<li>Sn\u00ed\u017een\u00ed st\u00e1vaj\u00edc\u00edho dluhu<\/li>\n\n\n\n<li>Udr\u017eujte si st\u00e1l\u00fd p\u0159\u00edjem<\/li>\n\n\n\n<li>Po\u017e\u00e1dejte o produkty, kter\u00e9 odpov\u00eddaj\u00ed va\u0161emu finan\u010dn\u00edmu profilu<\/li>\n<\/ul>\n\n\n\n<p>Dobr\u00e1 p\u0159\u00edprava vede k lep\u0161\u00edm v\u00fdsledk\u016fm schvalov\u00e1n\u00ed a ni\u017e\u0161\u00edm \u00farokov\u00fdm sazb\u00e1m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Je Chase dobrou volbou pro p\u016fj\u010dky?<\/h2>\n\n\n\n<p>Pokud pot\u0159ebujete p\u016fj\u010dku na auto, HELOC nebo financov\u00e1n\u00ed podnik\u00e1n\u00ed, Chase je vynikaj\u00edc\u00ed volbou. Spojuje digit\u00e1ln\u00ed pohodl\u00ed s institucion\u00e1ln\u00edm zabezpe\u010den\u00edm.<\/p>\n\n\n\n<p>Nicm\u00e9n\u011b, pokud jde o nezaji\u0161t\u011bn\u00e9 osobn\u00ed p\u016fj\u010dky, budete muset hledat jinde.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Z\u00e1v\u011bre\u010dn\u00e9 my\u0161lenky<\/h2>\n\n\n\n<p>JPMorgan Chase nenab\u00edz\u00ed v\u0161echny typy \u00fav\u011br\u016f, ale produkty, kter\u00e9 nab\u00edz\u00ed, jsou \u00fa\u010dinn\u00e9. Se spr\u00e1vn\u00fdm \u00fav\u011brov\u00fdm poradenstv\u00edm a pl\u00e1nov\u00e1n\u00edm dok\u00e1\u017ee Chase uspokojit \u0161irokou \u0161k\u00e1lu \u00fav\u011brov\u00fdch pot\u0159eb.<\/p>\n\n\n\n<p>Pochopen\u00ed mo\u017enost\u00ed p\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti v\u00e1m pom\u016f\u017ee zajistit, \u017ee z\u00edsk\u00e1te nejlep\u0161\u00ed mo\u017enou nab\u00eddku.<\/p>","protected":false},"excerpt":{"rendered":"<p>JPMorgan Chase is the largest bank in the United States. It serves over 60 million households and offers a wide [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":67,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[9],"tags":[],"class_list":["post-115","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"_links":{"self":[{"href":"https:\/\/likapk.com\/cs\/wp-json\/wp\/v2\/posts\/115","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/likapk.com\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/likapk.com\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/likapk.com\/cs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/likapk.com\/cs\/wp-json\/wp\/v2\/comments?post=115"}],"version-history":[{"count":1,"href":"https:\/\/likapk.com\/cs\/wp-json\/wp\/v2\/posts\/115\/revisions"}],"predecessor-version":[{"id":116,"href":"https:\/\/likapk.com\/cs\/wp-json\/wp\/v2\/posts\/115\/revisions\/116"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/likapk.com\/cs\/wp-json\/wp\/v2\/media\/67"}],"wp:attachment":[{"href":"https:\/\/likapk.com\/cs\/wp-json\/wp\/v2\/media?parent=115"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/likapk.com\/cs\/wp-json\/wp\/v2\/categories?post=115"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/likapk.com\/cs\/wp-json\/wp\/v2\/tags?post=115"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}