![\"\"](\"http:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2019\/07\/20\/sos-logo.png\"){kind=logo}
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Pokud si najdeme lep\u0161\u00ed pr\u00e1ci, n\u011bco u\u0161et\u0159\u00edme, zd\u011bd\u00edme nebo si najdeme p\u016fj\u010dku za mnohem v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek, pak je dobr\u00e9 mj. zv\u00e1\u017eit i mo\u017enost splacen\u00ed sv\u00fdch z\u00e1vazk\u016f. U spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f m\u00e1me v\u00a0takov\u00e9m p\u0159\u00edpad\u011b pr\u00e1vo na sn\u00ed\u017een\u00ed celkov\u00fdch n\u00e1klad\u016f spot\u0159ebitelsk\u00e9ho \u00fav\u011bru o v\u00fd\u0161i \u00faroku a dal\u0161\u00edch n\u00e1klad\u016f, kter\u00e9 bychom jinak byli povinni platit v p\u0159\u00edpad\u011b, kdy by k p\u0159ed\u010dasn\u00e9mu splacen\u00ed nedo\u0161lo.<\/p>\n
V\u0161ichni poskytovatel\u00e9 spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f\u00a0mus\u00ed sv\u00fdm klient\u016fm vyu\u017eit\u00ed pr\u00e1va na p\u0159ed\u010dasn\u00e9 splacen\u00ed umo\u017enit!<\/strong>\u00a0Samotnou proceduru p\u0159ed\u010dasn\u00e9ho splacen\u00ed v\u0161ak z\u00e1kon p\u0159\u00edmo neupravuje a tak se k\u00a0napln\u011bn\u00ed t\u00e9to povinnosti jednotliv\u00ed poskytovatel\u00e9 \u00fav\u011br\u016f stav\u00ed r\u016fzn\u00fdm zp\u016fsobem, pro spot\u0159ebitele n\u011bkdy mo\u017en\u00e1 neo\u010dek\u00e1van\u00fdm.<\/p>\n Spot\u0159ebitel zpravidla o\u010dek\u00e1v\u00e1, \u017ee kdy\u017e po\u0161le na \u00fa\u010det \u00fav\u011brov\u00e9 spole\u010dnosti mimo\u0159\u00e1dnou spl\u00e1tku, bude tato \u010d\u00e1stka pou\u017eita na umo\u0159en\u00ed tzv. jistiny (p\u016fj\u010den\u00e9 \u010d\u00e1stky) a budou mu tak pom\u011brn\u011b sn\u00ed\u017eeny i n\u00e1klady \u00fav\u011bru (\u00faroky), kter\u00e9 by jinak zaplatil a bude mu p\u0159im\u011b\u0159en\u011b zkr\u00e1cena doba spl\u00e1cen\u00ed \u00fav\u011bru nebo aspo\u0148 sn\u00ed\u017eeny jednotliv\u00e9 spl\u00e1tky. Ne v\u0161ichni poskytovatel\u00e9 se v\u0161ak k\u00a0mimo\u0159\u00e1dn\u00fdm spl\u00e1tk\u00e1m takto automaticky stav\u011bj\u00ed. A spot\u0159ebitel, kter\u00fd ne\u010dte obchodn\u00ed podm\u00ednky, se po \u010dase m\u016f\u017ee divit.<\/p>\n Stejnou zku\u0161enost u\u010dinila v\u00a0tomto roce tak\u00e9 pan\u00ed Dana, kter\u00e1 se rozhodla, \u017ee si po\u0159\u00edd\u00ed novou pra\u010dku a nav\u0161t\u00edvila za t\u00edmto \u00fa\u010delem obchodn\u00ed \u0159et\u011bzec s\u00a0elektronikou. Jeliko\u017e j\u00ed p\u0159\u00edtomn\u00fd prodava\u010d sl\u00edbil v\u00a0r\u00e1mci speci\u00e1ln\u00ed akce t\u00e9m\u011b\u0159 polovi\u010dn\u00ed slevu z\u00a0ceny v\u00fdrobku, vybrala si nakonec dra\u017e\u0161\u00ed model pra\u010dky se su\u0161i\u010dkou, po slev\u011b za 19\u00a0000,- K\u010d. Jedin\u00fdm z\u00e1drhelem bylo, \u017ee sleva j\u00ed bude poskytnuta pouze v\u00a0p\u0159\u00edpad\u011b, kdy\u017e si zbo\u017e\u00ed zakoup\u00ed na spot\u0159ebitelsk\u00fd \u00fav\u011br. Zn\u011blo to velmi l\u00e1kav\u011b, obzvl\u00e1\u0161t\u011b, kdy\u017e ji prodejce ujistil, \u017ee pokud \u00fav\u011br do 3 m\u011bs\u00edc\u016f cel\u00fd splat\u00ed, pak nedojde k\u00a0\u017e\u00e1dn\u00e9mu nav\u00fd\u0161en\u00ed a zbo\u017e\u00ed bude jej\u00ed za 19\u00a0000,- K\u010d. Pan\u00ed Dana se nechala p\u0159esv\u011bd\u010dit a bez dlouh\u00e9ho p\u0159em\u00fd\u0161len\u00ed a hlavn\u011b bez p\u0159e\u010dten\u00ed podepsala v\u0161echny p\u0159edlo\u017een\u00e9 dokumenty. Jeliko\u017e se jednalo o v\u00e1zan\u00fd \u00fav\u011br poskytnut\u00fd pr\u00e1v\u011b na koupi konkr\u00e9tn\u00edho zbo\u017e\u00ed, pan\u00ed Dana si mohla zbo\u017e\u00ed hned bez zaplacen\u00ed odv\u00e9zt.<\/p>\n Podle pokyn\u016f prodava\u010de, pak na \u00fa\u010det \u00fav\u011brov\u00e9 spole\u010dnosti uveden\u00fd ve smlouv\u011b zaslala ve t\u0159ech spl\u00e1tk\u00e1ch celou \u010d\u00e1stku rovnaj\u00edc\u00ed se kupn\u00ed cen\u011b zbo\u017e\u00ed, tj. 19\u00a0000,- a v\u011b\u0159ila, \u017ee cel\u00e1 z\u00e1le\u017eitost s \u00fav\u011brem je t\u00edmto vy\u0159\u00edzena. A\u017e n\u011bkolik m\u011bs\u00edc\u016f nato pan\u00ed Dana n\u00e1hodou zjistila, \u017ee k\u00a0p\u0159ed\u010dasn\u00e9mu splacen\u00ed \u00fav\u011bru v\u016fbec nedo\u0161lo. Na radu zn\u00e1m\u00e9ho toti\u017e \u00fav\u011brovou spole\u010dnost po\u017e\u00e1dala o zasl\u00e1n\u00ed dokumentu, kter\u00fd by potvrzoval, \u017ee z\u00e1vazek splatila a nic ji\u017e nedlu\u017e\u00ed.<\/p>\n Odpov\u011bd\u00ed j\u00ed v\u0161ak byla ob\u00e1lka od \u00fav\u011brov\u00e9 spole\u010dnosti, obsahuj\u00edc\u00ed spl\u00e1tkov\u00fd kalend\u00e1\u0159 s v\u00fd\u0161\u00ed spl\u00e1tek podle uzav\u0159en\u00e9 smlouvy. Podle n\u011bj \u00fav\u011brov\u00e1 spole\u010dnost po\u017eadovala po pan\u00ed Dan\u011b splatit b\u011bhem 4 let formou pravideln\u00fdch m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek i s \u00faroky v\u00edce jak 33\u00a0000,- K\u010d, tak\u017ee \u010d\u00e1stku, za kterou by spot\u0159ebi\u010d nikdy nekoupila. Spot\u0159ebitelka nev\u011b\u0159ila vlastn\u00edm o\u010d\u00edm a tak rychle vyhledala smlouvu. Spl\u00e1tkov\u00fd kalend\u00e1\u0159 odpov\u00eddal tomu, co podepsala. V\u00a0rozporu s tvrzen\u00edm prodava\u010de nic o t\u0159\u00edm\u011bs\u00ed\u010dn\u00edm bez\u00faro\u010dn\u00e9m obdob\u00ed nena\u0161la. Zap\u0159\u00eds\u00e1hla se, \u017ee p\u0159\u00ed\u0161t\u011b si ji\u017e smlouvu, ne\u017e ji podep\u00ed\u0161e, d\u016fkladn\u011b p\u0159e\u010dte.<\/p>\n Ot\u00e1zkou v\u0161ak z\u016fst\u00e1v\u00e1, co se stalo s\u00a0jej\u00edmi devaten\u00e1cti tis\u00edci, co poslala?<\/strong><\/p>\n Tady je pot\u0159eba, aby se spot\u0159ebitel pod\u00edval do obchodn\u00edch podm\u00ednek a speci\u00e1ln\u011b na podm\u00ednky p\u0159ed\u010dasn\u00e9ho splacen\u00ed. V\u00a0tomto p\u0159\u00edpad\u011b, kdy\u017e spot\u0159ebitelka nav\u0161t\u00edvila poradnu SOS MaS, z.s. jsme zjistili, \u017ee spole\u010dnost vy\u017eaduje, aby j\u00ed spot\u0159ebitel ozn\u00e1mil, \u017ee uplat\u0148uje sv\u00e9 pr\u00e1vo na p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru nejpozd\u011bji v den, kdy je \u010d\u00e1stka p\u0159ips\u00e1na na jej\u00ed \u00fa\u010det. Pokud tak neu\u010din\u00ed a pouze pouk\u00e1\u017ee \u010d\u00e1stku p\u0159evy\u0161uj\u00edc\u00ed splatn\u00e9 dlu\u017en\u00e9 \u010d\u00e1stky, bude to pova\u017eov\u00e1no za \u201ep\u0159edplacen\u00ed \u00fav\u011bru\u201c.<\/p>\n Proto\u017ee pan\u00ed Dana pen\u00edze pouze poslala, \u00fav\u011brov\u00e1 spole\u010dnost to v\u016fbec nebrala jako p\u0159ed\u010dasn\u00e9 splacen\u00ed. V\u00a0praxi to pak znamenalo, \u017ee z\u00a0poslan\u00fdch\u00a019000,- K\u010d, \u00fav\u011brov\u00e1 spole\u010dnost pouze ka\u017ed\u00fd m\u011bs\u00edc strh\u00e1v\u00e1 \u010d\u00e1stku ve v\u00fd\u0161i 700,- K\u010d, tj. pravidelnou spl\u00e1tku. Nedoch\u00e1zelo tak k\u00a0\u017e\u00e1dn\u00e9mu sn\u00ed\u017een\u00ed celkov\u00fdch n\u00e1klad\u016f \u00fav\u011bru o pom\u011brnou v\u00fd\u0161i \u00farok\u016f a dal\u0161\u00edch n\u00e1klad\u016f. Spole\u010dnost by takto pokra\u010dovala, a\u017e by byla \u010d\u00e1stka po p\u0159ibli\u017en\u011b dvou a p\u016fl letech vy\u010derp\u00e1na. Spot\u0159ebitelka by se pak dostala do prodlen\u00ed s\u00a0dal\u0161\u00ed spl\u00e1tkou a a\u017e tehdy by patrn\u011b zjistila, \u017ee k p\u0159ed\u010dasn\u00e9mu splacen\u00ed \u00fav\u011bru nedo\u0161lo, a \u017ee je povinna d\u00e1l spl\u00e1cet.<\/p>\n Pan\u00ed Dana na\u0161t\u011bst\u00ed na celou z\u00e1le\u017eitost p\u0159i\u0161la pom\u011brn\u011b brzy a hned za\u010dala komunikovat s\u00a0\u00fav\u011brovou spole\u010dnost\u00ed, co\u017e j\u00ed zachr\u00e1nilo nemal\u00e9 finan\u010dn\u00ed prost\u0159edky. Je\u0161t\u011b je pot\u0159eba p\u0159ipomenout, \u017ee p\u0159ed\u010dasn\u00e9 splacen\u00ed nen\u00ed \u00fapln\u011b zadarmo. Z\u00e1konem je v\u0161ak stanovena maxim\u00e1ln\u00ed\u00a0v\u00fd\u0161e poplatku za p\u0159ed\u010dasn\u00e9 splacen\u00ed<\/strong>, kter\u00fd \u00fav\u011brov\u00e9 spole\u010dnosti mohou spot\u0159ebiteli na\u00fa\u010dtovat. Poskytovatel m\u00e1 v\u00a0p\u0159\u00edpad\u011b p\u0159ed\u010dasn\u00e9ho splacen\u00ed pr\u00e1vo na n\u00e1hradu vznikl\u00fdch n\u00e1klad\u016f, ty v\u0161ak mohou \u010dinit maxim\u00e1ln\u011b 0,5 %, respektive 1 % z p\u0159ed\u010dasn\u011b spl\u00e1cen\u00e9 \u010d\u00e1stky podle toho, zda do splacen\u00ed \u00fav\u011bru zb\u00fdv\u00e1 m\u00e9n\u011b \u010di v\u00edce ne\u017e 1 rok. V\u00fd\u0161e n\u00e1hrady n\u00e1klad\u016f z\u00e1rove\u0148 nesm\u00ed p\u0159es\u00e1hnout \u010d\u00e1stku \u00faroku, kterou by spot\u0159ebitel zaplatil za dobu od p\u0159ed\u010dasn\u00e9ho splacen\u00ed do skon\u010den\u00ed spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. Pozor v\u00fd\u0161e uveden\u00e9 informace se t\u00fdkaj\u00ed \u00fav\u011br\u016f jin\u00fdch ne\u017e na bydlen\u00ed, p\u0159ed\u010dasn\u00e9 splacen\u00ed tzv. hypot\u00e9k se \u0159\u00edd\u00ed vlastn\u00edmi pravidly.<\/p>\n <\/p>\n SDRU\u017dEN\u00cd OBRANY SPOT\u0158EBITEL\u016e MORAVY A SLEZSKA, z.s.\u00a0\u00a0<\/strong><\/p>\n <\/p>\n <\/p>\n <\/p>\n","protected":false},"excerpt":{"rendered":" Tak\u00e9 <\/p>\n","protected":false},"author":2,"featured_media":171574,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[88],"tags":[],"jetpack_featured_media_url":"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2019\/09\/17\/r\u00e1me\u010dek-poradna.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/171573"}],"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=171573"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/171573\/revisions"}],"predecessor-version":[{"id":171575,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/171573\/revisions\/171575"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/171574"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=171573"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=171573"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=171573"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nNutno podotknout, \u017ee na trhu spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f funguj\u00ed i spole\u010dnosti, kter\u00e9 uplat\u0148uj\u00ed syst\u00e9m opa\u010dn\u00fd, pro spot\u0159ebitele v\u00fdhodn\u011bj\u0161\u00ed. Ka\u017edou spl\u00e1tku v\u00a0hodnot\u011b vy\u0161\u0161\u00ed ne\u017e sjednan\u00e1 v\u00fd\u0161e, automaticky pova\u017euj\u00ed za \u010d\u00e1ste\u010dn\u00e9 \u010di \u00fapln\u00e9 p\u0159ed\u010dasn\u00e9 splacen\u00ed.<\/p>\nV\u00edte, jakou praxi uplat\u0148uje V\u00e1\u0161 poskytovatel \u00fav\u011bru? Pokud ne, doporu\u010dujeme si p\u0159ed posl\u00e1n\u00edm mimo\u0159\u00e1dn\u00e9 spl\u00e1tky, d\u016fkladn\u011b p\u0159e\u010d\u00edst obchodn\u00ed podm\u00ednky, abyste po \u010dase nebyli p\u0159ekvapen\u00ed. Pokud jste i vy ji\u017e poslali mimo\u0159\u00e1dnou spl\u00e1tku, p\u0159esv\u011bd\u010dte se, \u017ee jste splnili podm\u00ednky k\u00a0tomu, aby byla pova\u017eov\u00e1na za p\u0159ed\u010dasn\u00e9 splacen\u00ed.<\/strong><\/h6>\n