{"id":177146,"date":"2019-11-18T07:48:46","date_gmt":"2019-11-18T06:48:46","guid":{"rendered":"http:\/\/zakrasnejsivimperk.cz\/?p=177146"},"modified":"2019-11-18T07:48:46","modified_gmt":"2019-11-18T06:48:46","slug":"dtest-predvanocni-pujcky-kratka-radost-dlouha-starost","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=177146","title":{"rendered":"dTEST: P\u0159edv\u00e1no\u010dn\u00ed p\u016fj\u010dky: kr\u00e1tk\u00e1 radost, dlouh\u00e1 starost"},"content":{"rendered":"

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S bl\u00ed\u017e\u00edc\u00edmi se V\u00e1noci se zvy\u0161uje intenzita nab\u00eddek nejr\u016fzn\u011bj\u0161\u00edch p\u016fj\u010dek. Reklamn\u00ed sd\u011blen\u00ed lze \u010dasto shrnout slovy: nem\u00e1te pen\u00edze na d\u00e1rky? Vezm\u011bte si \u00fav\u011br, spl\u00e1cejte a moc se neptejte kolik a jak dlouho. \u0158ada lid\u00ed se tak zbyte\u010dn\u011b zadlu\u017euje. Nav\u00edc \u010dasto netu\u0161\u00ed, \u017ee spl\u00e1tkov\u00fd prodej je vlastn\u011b v\u00e1zan\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br \u2013 a uveden\u00edm nepravdiv\u00fdch \u00fadaj\u016f se mohou dostat do konfliktu se z\u00e1konem.<\/h6>\n

\"\"P\u0159ed V\u00e1noci, v\u00edce ne\u017e kdy jindy, marketingov\u00e9 kampan\u011b tla\u010d\u00ed nakupuj\u00edc\u00ed ke zbyte\u010dn\u00e9mu utr\u00e1cen\u00ed a sna\u017e\u00ed se z jejich kapes vyt\u00e1hnout i to, co v nich nemaj\u00ed. P\u0159itom p\u016fj\u010dka na d\u00e1rky pat\u0159\u00ed k nejv\u011bt\u0161\u00edm zbyte\u010dnostem, kv\u016fli kter\u00fdm se m\u016f\u017eete zadlu\u017eit.<\/p>\n

\u201ePokud si na n\u011bco mus\u00edte p\u016fj\u010dit, m\u011blo by to slou\u017eit d\u00e9le, ne\u017e budete spl\u00e1cet. Rozhodn\u011b nen\u00ed rozumn\u00e9 p\u016fj\u010dovat si na hra\u010dky pro d\u011bti \u010di m\u00f3dn\u00ed elektroniku,\u201c<\/em> \u0159\u00edk\u00e1 Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest. A upozor\u0148uje: \u201eMnoho lid\u00ed vyu\u017e\u00edv\u00e1 nab\u00eddku odlo\u017een\u00e9 platby za zbo\u017e\u00ed, ne ka\u017ed\u00fd si v\u0161ak uv\u011bdomuje, \u017ee si touto variantou \u00fahrady vlastn\u011b po\u0159izuje speci\u00e1ln\u00ed typ p\u016fj\u010dky. Spl\u00e1tkov\u00fd prodej je toti\u017e synonymem pro v\u00e1zan\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br.\u201c<\/em><\/p>\n

\u010c\u00edm se li\u0161\u00ed v\u00e1zan\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br od klasick\u00e9 formy \u00fav\u011bru? Je ur\u010den\u00fd v\u00fdhradn\u011b k financov\u00e1n\u00ed ur\u010dit\u00e9ho zbo\u017e\u00ed \u010di slu\u017eby a obvykle se uzav\u00edr\u00e1 p\u0159\u00edmo u obchodn\u00edka v m\u00edst\u011b prodeje. Nenechte se v\u0161ak zm\u00e1st \u2013 prodejce v\u00e1m slu\u017ebu jen zprost\u0159edkuje, \u00fav\u011brovou smlouvu uzav\u00edr\u00e1te v\u017edy s poskytovatelem, tedy bankou \u010di jinou nebankovn\u00ed spole\u010dnost\u00ed. P\u0159\u00edkladem m\u016f\u017ee b\u00fdt n\u00e1kup mobiln\u00edho telefonu na spl\u00e1tky. Pokud jej koup\u00edte v e-shopu a svou volbu chcete zm\u011bnit, m\u016f\u017eete telefon do 14 dn\u016f obchodn\u00edkovi vr\u00e1tit, t\u00edm automaticky zanikne i \u00fav\u011br. Mus\u00edte to d\u00e1t ov\u0161em v\u011b\u0159iteli v\u011bd\u011bt. Pokud jste mobil koupili v kamenn\u00e9 prodejn\u011b, odstoupen\u00ed od kupn\u00ed smlouvy nen\u00ed mo\u017en\u00e9. \u00dav\u011br v\u0161ak v\u017edy 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 sjedn\u00e1n jako \u00fav\u011br na bydlen\u00ed, m\u016f\u017eete 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 je pot\u0159eba zaslat v p\u00edsemn\u00e9 podob\u011b na adresu \u00fav\u011brov\u00e9 spole\u010dnosti a vyp\u016fj\u010den\u00e9 pen\u00edze mus\u00edte pochopiteln\u011b vr\u00e1tit. Lh\u016fta pro vr\u00e1cen\u00ed pen\u011bz je maxim\u00e1ln\u011b t\u0159icet dn\u016f od odstoupen\u00ed a \u00faroky v\u00e1m budou \u00fa\u010dtov\u00e1ny pouze za dobu, kdy jsme m\u011bli pen\u00edze skute\u010dn\u011b u sebe,\u201c<\/em> vysv\u011btluje Hek\u0161ov\u00e1.<\/p>\n

Je tak\u00e9 d\u016fle\u017eit\u00e9 v\u011bd\u011bt, \u017ee z\u00e1kon klade zna\u010dn\u00fd d\u016fraz na schopnost spl\u00e1cet zap\u016fj\u010den\u00fd obnos. Zam\u011b\u0159uje se p\u0159itom nejen na zodpov\u011bdnost spot\u0159ebitel\u016f v roli dlu\u017en\u00edk\u016f, ale tak\u00e9 na samotn\u00e9 poskytovatele. Ti maj\u00ed z\u00e1konnou povinnost prov\u011b\u0159it, zda je \u017eadatel schopen \u00fav\u011br spl\u00e1cet, p\u0159i\u010dem\u017e mus\u00ed takovou kontrolu re\u00e1ln\u011b prok\u00e1zat. Pokud si tedy budete cht\u00edt koupit zbo\u017e\u00ed na spl\u00e1tky, budou od v\u00e1s cht\u00edt dolo\u017eit v\u00fd\u0161i p\u0159\u00edjmu potvrzenou zam\u011bstnavatelem, podrobnou anal\u00fdzu rodinn\u00fdch p\u0159\u00edjm\u016f a v\u00fddaj\u016f nebo informace o po\u010dtu vy\u017eivovan\u00fdch d\u011bt\u00ed. Poskytovatele bude zaj\u00edmat i va\u0161e dosavadn\u00ed \u00fav\u011brov\u00e1 historie, tedy zda m\u00e1te z\u00e1znam v n\u011bkter\u00e9m z \u00fav\u011brov\u00fdch registr\u016f. Pro kone\u010dn\u00e9 posouzen\u00ed je p\u0159itom d\u016fle\u017eit\u00e9 nejen to, zda n\u011bjak\u00fd \u00fav\u011br ji\u017e m\u00e1te, ale hodnot\u00ed se nap\u0159\u00edklad i souhrnn\u00e1 dlu\u017en\u00e1 \u010d\u00e1stka \u010di va\u0161e platebn\u00ed mor\u00e1lka.<\/p>\n

\u201eUveden\u00ed nepravdiv\u00fdch nebo hrub\u011b zkreslen\u00fdch \u00fadaj\u016f, p\u0159\u00edpadn\u011b zaml\u010den\u00ed d\u016fle\u017eit\u00fdch informac\u00ed m\u016f\u017ee b\u00fdt hodnoceno jako trestn\u00fd \u010din \u00fav\u011brov\u00e9ho podvodu. P\u0159\u00edsn\u00fd metr ale plat\u00ed i pro poskytovatele. Pokud by si va\u0161i schopnost spl\u00e1cet dostate\u010dn\u011b neprov\u011b\u0159il, hroz\u00ed mu vysok\u00e1 pokuta, a to a\u017e v \u0159\u00e1du n\u011bkolika mili\u00f3n\u016f korun,\u201c<\/em> uv\u00e1d\u00ed Eduarda Hek\u0161ov\u00e1 a dopl\u0148uje: \u201eNav\u00edc pokud v\u011b\u0159itel p\u016fj\u010d\u00ed n\u011bkomu pen\u00edze ve chv\u00edli, kdy je z\u0159ejm\u00e9, \u017ee je nebude moci spl\u00e1cet, st\u00e1v\u00e1 se \u00fav\u011brov\u00e1 smlouva neplatnou. Dlu\u017en\u00edk pak spl\u00e1c\u00ed podle sv\u00fdch mo\u017enost\u00ed pouze vyp\u016fj\u010denou \u010d\u00e1stku bez \u00farok\u016f a dal\u0161\u00edch sankc\u00ed.\u201c<\/em><\/p>\n

Pokud se p\u0159eci jen rozhodnete po\u0159\u00eddit si spot\u0159ebitelsk\u00fd \u00fav\u011br, alespo\u0148 si pe\u010dliv\u011b prostudujte v\u0161echny parametry finan\u010dn\u00ed slu\u017eby. K posouzen\u00ed v\u00fdhodnosti nab\u00eddky zdaleka nesta\u010d\u00ed zjistit si jen v\u00fd\u0161i \u00farokov\u00e9 sazby. Ta ud\u00e1v\u00e1 pouze 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 lze jednodu\u0161e spo\u010d\u00edtat a ov\u011b\u0159it na www.dtest.cz\/rpsn<\/a><\/strong>. Dozv\u00edte se tak, kolik zaplat\u00edte ro\u010dn\u011b nav\u00edc za p\u016fj\u010den\u00e9 pen\u00edze.<\/p>\n

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

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  S <\/p>\n","protected":false},"author":2,"featured_media":177148,"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\/11\/18\/r\u00e1me\u010dek-p\u016fj\u010dky.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/177146"}],"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=177146"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/177146\/revisions"}],"predecessor-version":[{"id":177149,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/177146\/revisions\/177149"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/177148"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=177146"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=177146"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=177146"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}