{"id":240520,"date":"2021-11-18T21:28:45","date_gmt":"2021-11-18T20:28:45","guid":{"rendered":"http:\/\/zakrasnejsivimperk.cz\/?p=240520"},"modified":"2021-11-18T21:28:45","modified_gmt":"2021-11-18T20:28:45","slug":"dtest-pozor-na-pujcky-pred-vanoci-zvlaste","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=240520","title":{"rendered":"dTest: Pozor na p\u016fj\u010dky, p\u0159ed V\u00e1noci zvl\u00e1\u0161t\u011b"},"content":{"rendered":"<h6>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><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-240521 size-full\" src=\"http:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/11\/18\/dtest-splatky.png\" alt=\"\" width=\"526\" height=\"526\" srcset=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/11\/18\/dtest-splatky.png 526w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/11\/18\/dtest-splatky-150x150.png 150w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/11\/18\/dtest-splatky-300x300.png 300w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/11\/18\/dtest-splatky-357x357.png 357w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/11\/18\/dtest-splatky-483x483.png 483w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/11\/18\/dtest-splatky-210x210.png 210w\" sizes=\"(max-width: 526px) 100vw, 526px\" \/>Kr\u00e1tk\u00e1 radost a dlouh\u00e1 starost, tak lze shrnout p\u0159edv\u00e1no\u010dn\u00ed p\u016fj\u010dky. P\u0159ed V\u00e1noci, v\u00edce ne\u017e kdy jindy, marketingov\u00e9 kampan\u011b vedou 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. Pokud 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. Chcete-li si nad\u011blit n\u011bco do dom\u00e1cnosti, po\u010dkejte rad\u0161i na v\u00fdprodeje, mo\u017en\u00e1 pak odpadne d\u016fvod zadlu\u017eovat se, proto\u017ee mnoh\u00e9 zbo\u017e\u00ed zlevn\u00ed.<\/p>\n<p>Vzpomenete si, kdy jste naposledy v obchod\u011b zahl\u00e9dli pouta\u010d s n\u00e1pisem \u201en\u00e1kup na spl\u00e1tky\u201c? Jist\u011b nebudete muset v pam\u011bti p\u00e1trat dlouho, nab\u00eddky odlo\u017een\u00e9 platby za zbo\u017e\u00ed jsou t\u00e9m\u011b\u0159 v\u0161udyp\u0159\u00edtomn\u00e9. Mnoho spot\u0159ebitel\u016f tohoto trendu hojn\u011b vyu\u017e\u00edv\u00e1, 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. <em>\u201eSpl\u00e1tkov\u00fd prodej je toti\u017e synonymem pro v\u00e1zan\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br. To v praxi znamen\u00e1, \u017ee je ur\u010den\u00fd v\u00fdhradn\u011b k financov\u00e1n\u00ed ur\u010dit\u00e9ho zbo\u017e\u00ed \u010di slu\u017eby a nab\u00edz\u00ed v\u00e1m jej obvykle p\u0159\u00edmo obchodn\u00edk v prodejn\u011b,\u201c<\/em> vysv\u011btluje Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest. A dod\u00e1v\u00e1:<em> \u201eNenechte 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.\u201c<\/em><\/p>\n<p>D\u016fle\u017eit\u00e9 je p\u0159ipomenout, \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. Jejich povinnost\u00ed je prov\u011b\u0159it, zda je \u017eadatel schopen \u00fav\u011br spl\u00e1cet, p\u0159i\u010dem\u017e musej\u00ed takovou kontrolu re\u00e1ln\u011b prok\u00e1zat. Pokud si tedy budete cht\u00edt koupit zbo\u017e\u00ed na spl\u00e1tky a 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, v\u011bzte, \u017ee za t\u011bmito ot\u00e1zkami nestoj\u00ed pouh\u00e1 zv\u011bdavost, ale z\u00e1konn\u00e1 povinnost. <em>\u201ePoskytovatele 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,\u201c<\/em> uv\u00e1d\u00ed Eduarda Hek\u0161ov\u00e1.<\/p>\n<p>\u0158\u00edk\u00e1te si, \u017ee prodava\u010d v obchod\u011b o v\u00e1s p\u0159ece nemus\u00ed v\u011bd\u011bt v\u0161echno, a tak mu n\u011bkter\u00e9 \u0161kraloupy sv\u00e9 finan\u010dn\u00ed situace zataj\u00edte? To rad\u011bji ned\u011blejte. Uveden\u00ed nepravdiv\u00fdch \u010di hrub\u011b zkreslen\u00fdch \u00fadaj\u016f, p\u0159\u00edpadn\u011b zaml\u010den\u00ed d\u016fle\u017eit\u00fdch informac\u00ed m\u016f\u017ee b\u00fdt toti\u017e hodnoceno jako trestn\u00fd \u010din \u00fav\u011brov\u00e9ho podvodu. O mnoho l\u00e9pe by nedopadl ani poskytovatel, kter\u00fd by si va\u0161i schopnost spl\u00e1cet dostate\u010dn\u011b neprov\u011b\u0159il. Za poru\u0161en\u00ed t\u00e9to povinnosti hroz\u00ed v\u011b\u0159itel\u016fm vysok\u00e1 pokuta, a to a\u017e v \u0159\u00e1du n\u011bkolika mili\u00f3n\u016f korun. Jejich obchodn\u00ed po\u010d\u00edn\u00e1n\u00ed by nav\u00edc bylo zcela zbyte\u010dn\u00e9, nebo\u0165 p\u016fj\u010d\u00ed-li dlu\u017en\u00edkovi 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. Klient pot\u00e9 spl\u00e1c\u00ed podle sv\u00fdch mo\u017enost\u00ed pouze vyp\u016fj\u010denou \u010d\u00e1stku (jistinu) bez \u00farok\u016f a dal\u0161\u00edch sankc\u00ed.<\/p>\n<p>Pokud se p\u0159ece 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. \u201e<em>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 <a href=\"https:\/\/www.dtest.cz\/kalkulacka\/rpsn\" target=\"_blank\" rel=\"noopener\"><strong>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,\u201c<\/em> uzav\u00edr\u00e1 Eduarda Hek\u0161ov\u00e1.<\/p>\n<p><strong>Text a foto: dTest<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>S bl\u00ed\u017e\u00edc\u00edmi <\/p>\n","protected":false},"author":2,"featured_media":240522,"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\/2021\/11\/18\/r\u00e1me\u010dek-dtest.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/240520"}],"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=240520"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/240520\/revisions"}],"predecessor-version":[{"id":240523,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/240520\/revisions\/240523"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/240522"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=240520"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=240520"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=240520"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}