{"id":148141,"date":"2018-12-13T22:15:43","date_gmt":"2018-12-13T21:15:43","guid":{"rendered":"http:\/\/zakrasnejsivimperk.cz\/?p=148141"},"modified":"2018-12-13T22:16:38","modified_gmt":"2018-12-13T21:16:38","slug":"dtest-radost-z-darku-na-uver-vydrzi-jen-chvili","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=148141","title":{"rendered":"dTEST: Radost z\u00a0d\u00e1rk\u016f na \u00fav\u011br vydr\u017e\u00ed jen chv\u00edli"},"content":{"rendered":"

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Adventn\u00ed \u010das je v\u00a0pln\u00e9m proudu a mysl v\u011bt\u0161iny z\u00a0n\u00e1s tak zam\u011bstn\u00e1v\u00e1 ot\u00e1zka, \u010d\u00edm letos obdarujeme sv\u00e9 nejbli\u017e\u0161\u00ed. Jen co na ni nalezneme odpov\u011b\u010f, vyst\u0159\u00edd\u00e1 ji mnohdy je\u0161t\u011b slo\u017eit\u011bj\u0161\u00ed \u00favaha, a to, z\u00a0\u010deho d\u00e1rky zaplat\u00edme. Pot\u0159eba po\u0159\u00edzen\u00ed hodnotn\u00fdch \u010di drah\u00fdch prezent\u016f je u n\u011bkter\u00fdch spot\u0159ebitel\u016f tak velik\u00e1, \u017ee si za t\u00edmto \u00fa\u010delem dokonce nev\u00e1haj\u00ed vz\u00edt \u00fav\u011br. Pro\u010d byste si ale na v\u00e1no\u010dn\u00ed d\u00e1rky rozhodn\u011b p\u016fj\u010dovat nem\u011bli?<\/h6>\n

\"\"P\u016fj\u010dky, kter\u00e9 spot\u0159ebitel\u00e9 nej\u010dast\u011bji vyu\u017e\u00edvaj\u00ed k\u00a0zakoupen\u00ed spot\u0159ebn\u00edho zbo\u017e\u00ed, vybaven\u00ed dom\u00e1cnosti \u010di pr\u00e1v\u011b n\u00e1kupu nejr\u016fzn\u011bj\u0161\u00edch d\u00e1rk\u016f, se \u0159ad\u00ed do kategorie spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. Ten se d\u00e1 stru\u010dn\u011b charakterizovat jako finan\u010dn\u00ed obnos zap\u016fj\u010den\u00fd klientovi (dlu\u017en\u00edkovi) na nepodnikatelsk\u00e9 \u00fa\u010dely. \u201eTakov\u00e9 prost\u0159edky spot\u0159ebitel\u016fm m\u016f\u017ee poskytnout banka, nebankovn\u00ed spole\u010dnost \u010di dru\u017estevn\u00ed z\u00e1lo\u017ena\u201c,<\/em> up\u0159es\u0148uje Luk\u00e1\u0161 Zelen\u00fd, vedouc\u00ed pr\u00e1vn\u00edho odd\u011blen\u00ed spot\u0159ebitelsk\u00e9 organizace dTest.<\/p>\n

O lichv\u00e1\u0159sk\u00fdch praktik\u00e1ch n\u011bkter\u00fdch nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 si za poskytnut\u00ed pen\u011bz mnohdy \u00fa\u010dtuj\u00ed a\u017e dvojn\u00e1sobek zap\u016fj\u010den\u00e9 \u010d\u00e1stky, jsme ji\u017e informovali mnohokr\u00e1t. P\u0159emr\u0161t\u011bn\u00e9 \u00farokov\u00e9 sazby v\u0161ak nejsou jedin\u00fdm faktorem, kter\u00fd sv\u011bd\u010d\u00ed v\u00a0neprosp\u011bch spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f. Jak\u00e1 dal\u0161\u00ed negativa p\u016fj\u010dky p\u0159in\u00e1\u0161\u00ed? \u201eSpot\u0159ebitel\u00e9 by m\u011bli d\u016fkladn\u011b zv\u00e1\u017eit tak\u00e9 \u010dasovou z\u00e1t\u011b\u017e n\u00e1sledn\u00e9ho spl\u00e1cen\u00ed. Pokud si jeden rok na d\u00e1rky p\u016fj\u010d\u00ed a dan\u00fd \u00fav\u011br budou spl\u00e1cet d\u00e9le ne\u017e 12 m\u011bs\u00edc\u016f, z\u00a0\u010deho budou financovat n\u00e1klady na sv\u00e1tky p\u0159\u00ed\u0161t\u00ed rok?\u201c<\/em> zam\u00fd\u0161l\u00ed se Luk\u00e1\u0161 Zelen\u00fd a obratem dod\u00e1v\u00e1: \u201eU spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f v\u017edy plat\u00ed, \u017ee byste si je nikdy nem\u011bli br\u00e1t na takov\u00e9 zbo\u017e\u00ed a slu\u017eby, kter\u00e9 budete d\u00e9le spl\u00e1cet ne\u017e spot\u0159ebov\u00e1vat.\u201c<\/em><\/p>\n

Spot\u0159ebitelsk\u00fd \u00fav\u011br nemus\u00ed m\u00edt v\u017edy podobu bezhotovostn\u00edch pen\u011bz zaslan\u00fdch na v\u00e1\u0161 \u00fa\u010det. P\u0159\u00edkladem \u00fav\u011bru, kdy p\u016fj\u010den\u00e9 pen\u00edze nikdy \u201efyzicky\u201c neuvid\u00edte, je koup\u011b zbo\u017e\u00ed na spl\u00e1tky sjednan\u00e1 rovnou v obchod\u011b. V\u00a0takov\u00e9m p\u0159\u00edpad\u011b si \u00fahradu po\u0159izovac\u00ed ceny zbo\u017e\u00ed rozlo\u017e\u00edte do del\u0161\u00edho \u010dasov\u00e9ho obdob\u00ed. \u201eKupujete-li si n\u011bjak\u00e9 zbo\u017e\u00ed na spl\u00e1tky, finan\u010dn\u00ed prost\u0159edky na n\u011bj si de facto tak\u00e9 p\u016fj\u010dujete, a\u00a0v\u00a0tomto p\u0159\u00edpad\u011b se jedn\u00e1 o takzvan\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br v\u00e1zan\u00fd,\u201c<\/em> vysv\u011btluje Zelen\u00fd.<\/p>\n

\u010c\u00edm se li\u0161\u00ed od klasick\u00e9 formy \u00fav\u011bru? Spot\u0159ebitelsk\u00fd \u00fav\u011br v\u00e1zan\u00fd je ur\u010den\u00fd v\u00fdhradn\u011b k\u00a0financov\u00e1n\u00ed dan\u00e9ho zbo\u017e\u00ed \u010di slu\u017eby a obvykle se uzav\u00edr\u00e1 p\u0159\u00edmo u obchodn\u00edka v\u00a0m\u00edst\u011b prodeje. P\u0159\u00edkladem m\u016f\u017ee b\u00fdt n\u00e1kup mobiln\u00edho telefonu na spl\u00e1tky. Pokud jej koup\u00edte v\u00a0e-shopu a svou volbu chcete zm\u011bnit, m\u016f\u017eete telefon do 14 dn\u016f obchodn\u00edkovi vr\u00e1tit,\u00a0t\u00edm automaticky zanikne i \u00fav\u011br. Mus\u00edte to d\u00e1t ov\u0161em v\u011b\u0159iteli v\u011bd\u011bt. Pokud jste mobil koupili v\u00a0kamenn\u00e9 prodejn\u011b, odstoupen\u00ed od kupn\u00ed smlouvy nen\u00ed mo\u017en\u00e9. V\u017edy v\u0161ak \u00fav\u011br m\u016f\u017eete p\u0159ed\u010dasn\u011b splatit.<\/p>\n

B\u011b\u017en\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br je pom\u011brn\u011b jednoduch\u00e9 zru\u0161it. \u201ePokud nen\u00ed spot\u0159ebitelsk\u00fd \u00fav\u011br sjedn\u00e1n jako \u00fav\u011br na bydlen\u00ed, lze od n\u011bj odstoupit do \u010dtrn\u00e1cti dn\u016f od jeho uzav\u0159en\u00ed bez ud\u00e1n\u00ed d\u016fvodu. Ozn\u00e1men\u00ed o odstoupen\u00ed mus\u00ed b\u00fdt v\u00a0p\u00edsemn\u00e9 podob\u011b zasl\u00e1no na adresu \u00fav\u011brov\u00e9 spole\u010dnosti a vyp\u016fj\u010den\u00e9 pen\u00edze mus\u00ed z\u00e1kazn\u00edk pochopiteln\u011b vr\u00e1tit. Lh\u016fta pro takov\u00e9 vr\u00e1cen\u00ed \u010din\u00ed maxim\u00e1ln\u011b t\u0159icet dn\u016f od odstoupen\u00ed a \u00faroky mu jsou \u00fa\u010dtov\u00e1ny pouze za dobu, kdy m\u011bl pen\u00edze skute\u010dn\u011b u sebe,\u201c<\/em> dopl\u0148uje Luk\u00e1\u0161 Zelen\u00fd.<\/p>\n

Pokud v\u00e1s uveden\u00e1 \u00faskal\u00ed od spot\u0159ebitelsk\u00e9ho \u00fav\u011bru p\u0159esto neodradila \u010di je pro v\u00e1s rychl\u00e1 finan\u010dn\u00ed injekce skute\u010dn\u011b nevyhnuteln\u00e1, alespo\u0148 si pe\u010dliv\u011b prostudujte v\u0161echny parametry finan\u010dn\u00ed slu\u017eby. K vyhodnocen\u00ed v\u00fdhodnosti nab\u00eddek na trhu zdaleka nesta\u010d\u00ed porovn\u00e1vat jen v\u00fd\u0161i \u201eklasick\u00e9\u201c \u00farokov\u00e9 sazby. Ty v\u00e1m ud\u00e1vaj\u00ed pouze jakousi odm\u011bnu v\u011b\u0159itele za p\u016fj\u010den\u00ed pen\u011bz, kde\u017eto procentu\u00e1ln\u00ed v\u00fd\u0161i vyjad\u0159uj\u00edc\u00ed skute\u010dnou pr\u016fm\u011brnou cenu za \u00fav\u011br hledejte pod zkratkou RPSN. Tu si m\u016f\u017eete jednodu\u0161e spo\u010d\u00edtat a ov\u011b\u0159it na www.dtest.cz\/rpsn<\/strong><\/a>. Dozv\u00edte se tak, kolik zaplat\u00edte ro\u010dn\u011b nav\u00edc za p\u016fj\u010den\u00e9 pen\u00edze.<\/p>\n

 <\/p>\n

dTEST<\/strong><\/p>\n

Ilustra\u010dn\u00ed foto: pixabay<\/p>\n

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 <\/p>\n","protected":false},"excerpt":{"rendered":"

  Adventn\u00ed <\/p>\n","protected":false},"author":2,"featured_media":148142,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[87],"tags":[],"jetpack_featured_media_url":"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/12\/13\/r\u00e1me\u010dek-d\u00e1rky-na-\u00fav\u011br.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/148141"}],"collection":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=148141"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/148141\/revisions"}],"predecessor-version":[{"id":148143,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/148141\/revisions\/148143"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/148142"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=148141"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=148141"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=148141"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}