{"id":173013,"date":"2019-10-01T13:20:22","date_gmt":"2019-10-01T12:20:22","guid":{"rendered":"http:\/\/zakrasnejsivimperk.cz\/?p=173013"},"modified":"2019-10-01T13:20:22","modified_gmt":"2019-10-01T12:20:22","slug":"dtest-kdo-lici-pasti-na-seniory","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=173013","title":{"rendered":"dTEST: Kdo l\u00ed\u010d\u00ed pasti na seniory"},"content":{"rendered":"<figure id=\"attachment_173014\" aria-describedby=\"caption-attachment-173014\" style=\"width: 960px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-173014 size-full\" src=\"http:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2019\/10\/01\/seniorka.jpg\" alt=\"\" width=\"960\" height=\"640\" srcset=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2019\/10\/01\/seniorka.jpg 960w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2019\/10\/01\/seniorka-300x200.jpg 300w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2019\/10\/01\/seniorka-768x512.jpg 768w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2019\/10\/01\/seniorka-536x357.jpg 536w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2019\/10\/01\/seniorka-725x483.jpg 725w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/><figcaption id=\"caption-attachment-173014\" class=\"wp-caption-text\">Ilustra\u010dn\u00ed foto: pixabay<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<h6>V \u0159ad\u011b \u017eivotn\u00edch situac\u00ed je \u201ene\u201c kouzeln\u00fdm sl\u016fvkem, kter\u00e9 n\u00e1s chr\u00e1n\u00ed p\u0159ed obrovsk\u00fdmi probl\u00e9my. Mnoha lidem se ale ne\u0159\u00edk\u00e1 snadno. U p\u0159\u00edle\u017eitosti dne\u0161n\u00edho Mezin\u00e1rodn\u00edho dne senior\u016f je d\u016fle\u017eit\u00e9 p\u0159ipomenout, s jak\u00fdmi n\u00e1strahami se star\u0161\u00ed lid\u00e9 b\u011b\u017en\u011b setk\u00e1vaj\u00ed a pro\u010d je d\u016fle\u017eit\u00e9 um\u011bt odm\u00edtnout vnucovanou nab\u00eddku.<\/h6>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-131630 alignright\" src=\"http:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest-114x300.jpg\" alt=\"\" width=\"114\" height=\"300\" srcset=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest-114x300.jpg 114w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest.jpg 126w\" sizes=\"(max-width: 114px) 100vw, 114px\" \/>Na seniory se zam\u011b\u0159uj\u00ed mnoz\u00ed neseri\u00f3zn\u00ed obchodn\u00edci a \u0161k\u00e1la jejich n\u00e1stroj\u016f je \u0161irok\u00e1: nab\u00eddky nejr\u016fzn\u011bj\u0161\u00edho zbo\u017e\u00ed po telefonu, p\u0159edv\u00e1d\u011bc\u00ed a pouli\u010dn\u00ed prodej \u010di podomn\u00ed nab\u00edzen\u00ed smluv o dod\u00e1vk\u00e1ch energi\u00ed. Tak\u00e9 se objevuj\u00ed r\u016fzn\u00e9 finan\u010dn\u00ed produkty zam\u011b\u0159en\u00e9 na seniory, t\u0159eba takzvan\u00e1 reverzn\u00ed hypot\u00e9ka.<\/p>\n<p>Sta\u010d\u00ed jeden ne\u010dekan\u00fd hovor, souhlas se zasl\u00e1n\u00edm d\u00e1rku v podob\u011b mince, medaile, hol\u00edtek \u010di n\u00e1hradn\u00edch b\u0159it\u016f a doty\u010dn\u00e9ho \u010dlov\u011bka \u010dek\u00e1 jejich pravideln\u00fd p\u0159\u00edsun. \u201e<em>C\u00edlem obchodn\u00edk\u016f nen\u00ed z\u00e1kazn\u00edky obdarovat, ale ud\u011blat z nich st\u00e1l\u00e9 odb\u011bratele sv\u00e9ho zbo\u017e\u00ed. Vyl\u00e1kaj\u00ed z nich toti\u017e souhlas, kter\u00fd si nahr\u00e1vaj\u00ed. \u010cast\u00e9 jsou tak\u00e9 nab\u00eddky r\u016fzn\u00fdch slu\u017eeb, t\u0159eba mobiln\u00edch tarif\u016f se zlevn\u011bn\u00fdmi telefony \u010di tablety,\u201c<\/em> uv\u00e1d\u00ed Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest. A rad\u00ed: \u201eBy\u0165 existuje obrana v podob\u011b odstoupen\u00ed od smlouvy, je lep\u0161\u00ed nau\u010dit se tyto nab\u00eddky rovnou odm\u00edtat.\u201c<\/p>\n<p>Podomn\u00ed prodejci si pak ve zp\u016fsobech nezadaj\u00ed s po\u0159adateli p\u0159edv\u00e1d\u011bc\u00edch akc\u00ed. Zneu\u017e\u00edvaj\u00ed nezku\u0161enosti a d\u016fv\u011b\u0159ivosti p\u0159edev\u0161\u00edm star\u0161\u00edch lid\u00ed. \u010casto uv\u00e1d\u011bj\u00ed l\u017eiv\u00e9 informace. T\u0159eba se p\u0159edstavuj\u00ed jako z\u00e1stupci st\u00e1vaj\u00edc\u00edho dodavatele energi\u00ed, distributora nebo Energetick\u00e9ho regula\u010dn\u00edho \u00fa\u0159adu. Jinou z\u00e1minkou k n\u00e1v\u0161t\u011bv\u011b je kontrola vy\u00fa\u010dtov\u00e1n\u00ed.<em> \u201eJakmile vy\u00fa\u010dtov\u00e1n\u00ed p\u0159edlo\u017e\u00edte, spo\u010d\u00edtaj\u00ed v\u00e1m \u00fasporu, kter\u00e9 dos\u00e1hnete, pokud s nimi uzav\u0159ete novou smlouvu. Nau\u010dte se tedy nezvan\u00e9 n\u00e1v\u0161t\u011bvy razantn\u011b odm\u00edtat,\u201c<\/em> doporu\u010duje Eduarda Hek\u0161ov\u00e1.<\/p>\n<p>Dal\u0161\u00edm trikem je podstr\u010den\u00ed smlouvy o dod\u00e1vk\u00e1ch energi\u00ed k podpisu, p\u0159i\u010dem\u017e podomn\u00ed prodejce listinu vyd\u00e1v\u00e1 za ne\u0161kodn\u00e9 potvrzen\u00ed o sv\u00e9 n\u00e1v\u0161t\u011bv\u011b. Smlouva se m\u016f\u017ee vyklubat i z dokumentu, kter\u00fd byl prezentov\u00e1n jako nez\u00e1vazn\u00e1 nab\u00eddka. Nen\u00ed tedy dobr\u00e9 cokoliv podomn\u00edmu prodejci podepisovat.<\/p>\n<p>Zvl\u00e1\u0161tn\u00ed pozornost zaslou\u017e\u00ed i podomn\u00ed nab\u00edzen\u00ed \u00fa\u010dasti v energetick\u00fdch aukc\u00edch. Jejich podstatou je podpis p\u0159ihl\u00e1\u0161ky do aukce, v n\u00ed\u017e m\u00e1 b\u00fdt vybr\u00e1n nejv\u00fdhodn\u011bj\u0161\u00ed dodavatel energi\u00ed. \u010casto se v\u0161ak \u017e\u00e1dn\u00e1 aukce nekon\u00e1. \u201e<em>Podomn\u00ed prodejce za v\u00e1s jako\u017eto zprost\u0159edkovatel uzav\u0159e na z\u00e1klad\u011b pln\u00e9 moci smlouvu o dod\u00e1vk\u00e1ch energi\u00ed. Odstoup\u00edte-li od takov\u00e9 smlouvy \u010di ji vypov\u00edte, bude v\u00e1m na\u00fa\u010dtov\u00e1na smluvn\u00ed pokuta,\u201c<\/em> varuje Eduarda Hek\u0161ov\u00e1.<\/p>\n<p>Senio\u0159i tak\u00e9 nar\u00e1\u017eej\u00ed na nab\u00eddky v podob\u011b reverzn\u00ed \u010di seniorsk\u00e9 hypot\u00e9ky. O co se jedn\u00e1? Podstatou reverzn\u00ed hypot\u00e9ky je poskytnut\u00ed jednor\u00e1zov\u00e9 nebo pravideln\u00e9 renty seniorovi, kter\u00fd naproti t\u00e9to v\u00fdplat\u011b zastav\u00ed sv\u016fj domov. Slovo domov je pou\u017eito z\u00e1m\u011brn\u011b, proto\u017ee \u00fasp\u011bch tohoto konceptu stav\u00ed na psychologick\u00e9m aspektu, a t\u00edm je l\u00e1ska k domovu. Spolu se smlouvou o v\u00fdplat\u011b renty je uzav\u0159ena z\u00e1stavn\u00ed smlouva k nemovitosti. Senior tedy z\u016fst\u00e1v\u00e1 jej\u00edm vlastn\u00edkem a je povinen hradit v\u0161echny n\u00e1klady spojen\u00e9 s jej\u00edm provozem a udr\u017eovat ji tak, aby se nesni\u017eovala jej\u00ed hodnota. V\u00fd\u0161e v\u00fdplaty se pohybuje mezi 10 a\u017e 50 % z ceny nemovitosti, a to podle pravidla: \u010d\u00edm je senior star\u0161\u00ed, t\u00edm vy\u0161\u0161\u00ed v\u00fdplata.<\/p>\n<p><em>\u201ePoskytovatel\u00e9 reverzn\u00edch hypot\u00e9k l\u00e1kaj\u00ed na slova, \u017ee v\u00e1m vyplat\u00ed pen\u00edze a vy nic nespl\u00e1c\u00edte. Ve skute\u010dnosti se ale jedn\u00e1 o spot\u0159ebitelsk\u00fd \u00fav\u011br. Senior sice \u00fav\u011br pr\u016fb\u011b\u017en\u011b nespl\u00e1c\u00ed, ale naskakuj\u00ed mu sjednan\u00e9 \u00faroky. Spole\u010dnost inkasuje pen\u00edze a\u017e n\u00e1sledn\u011b ze zaji\u0161t\u011bn\u00e9 nemovitosti pot\u00e9, co dan\u00fd \u010dlov\u011bk zem\u0159e nebo poru\u0161\u00ed smlouvu,\u201c<\/em> vysv\u011btluje Hek\u0161ov\u00e1. A dopl\u0148uje: <em>\u201eAktu\u00e1ln\u011b lze u reverzn\u00ed hypot\u00e9ky z\u00edskat \u00farok ve v\u00fd\u0161i cca 8,5 % ro\u010dn\u011b a RPSN ve v\u00fd\u0161i cca 9,5 %. Srovn\u00e1me-li si \u00farokov\u00e9 sazby na trhu, zjist\u00edme, \u017ee jde o p\u0159edra\u017een\u00fd produkt.\u201c<\/em><\/p>\n<p><strong>dTEST<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; V <\/p>\n","protected":false},"author":2,"featured_media":173015,"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\/2019\/10\/01\/r\u00e1me\u010dek-pasti.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/173013"}],"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=173013"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/173013\/revisions"}],"predecessor-version":[{"id":173016,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/173013\/revisions\/173016"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/173015"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=173013"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=173013"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=173013"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}