![\"\"](\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2022\/05\/31\/dtest-kredit-karta-300x300.png\")
Podobn\u00e9 informace lze naj\u00edt i p\u0159i b\u011b\u017en\u00e9m proch\u00e1zen\u00ed internetu, kdy zejm\u00e9na kontokorent je jako rezerva ozna\u010dov\u00e1n. Tento postup m\u016f\u017ee b\u00fdt nemravn\u00fd i protipr\u00e1vn\u00ed, proto\u017ee pr\u016fm\u011brn\u00fd spot\u0159ebitel nemus\u00ed obsahu nab\u00eddky spr\u00e1vn\u011b porozum\u011bt.<\/p>\n
P\u0159edstavte si re\u00e1lnou situaci, kdy v\u00e1s osobn\u00ed bank\u00e9\u0159 v dlouh\u00e9m telefonick\u00e9m rozhovoru zve k projedn\u00e1n\u00ed stavu va\u0161ich financ\u00ed s t\u00edm, \u017ee je velmi pot\u0159ebn\u00e9 vytvo\u0159it si finan\u010dn\u00ed rezervu, a \u017ee v\u00e1m porad\u00ed, jak na to. V\u00fdsledkem je pak nab\u00eddka kontokorentn\u00edho \u00fav\u011bru a kreditn\u00ed karty. Jestli se v\u00e1m na tom n\u011bco nezd\u00e1, pak jste na tom s finan\u010dn\u00ed gramotnost\u00ed dob\u0159e. Ale jsou na tom v\u0161ichni spot\u0159ebitel\u00e9 tak\u00e9 tak? dTest se domn\u00edv\u00e1, \u017ee nikoliv, proto\u017ee ozna\u010dit p\u016fj\u010dku jako finan\u010dn\u00ed rezervu je zav\u00e1d\u011bj\u00edc\u00ed a pro finan\u010dn\u011b m\u00e1lo gramotn\u00e9 spot\u0159ebitele i \u0161kodliv\u00e9.<\/p>\n
P\u016fj\u010dka se n\u00e1m ob\u010das m\u016f\u017ee hodit, t\u0159eba kdy\u017e nem\u00e1me celou \u010d\u00e1stku na koupi bytu nebo je pro n\u00e1s jednodu\u0161\u0161\u00ed koupit si na spl\u00e1tky n\u011bco, co n\u00e1m bude opravdu dlouho slou\u017eit a pot\u0159ebujeme to d\u0159\u00edve, ne\u017e jsme schopni si pen\u00edze u\u0161et\u0159it (nap\u0159. auto, po\u010d\u00edta\u010d). \u201eV\u017edy ale z\u00e1le\u017e\u00ed na zcela konkr\u00e9tn\u00ed situaci spot\u0159ebitele a vyhodnocen\u00ed v\u0161ech pro a proti, nebo\u0165 ka\u017ed\u00fd dluh je b\u0159\u00edm\u011b, kter\u00e9 ur\u010ditou dobu poneseme na z\u00e1dech,\u201c<\/em> \u0159\u00edk\u00e1 Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest, a dopl\u0148uje: \u201eFinan\u010dn\u00ed rezervu ide\u00e1ln\u011b ve v\u00fd\u0161i \u0161estin\u00e1sobku m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f dom\u00e1cnosti bychom m\u011bli skute\u010dn\u011b m\u00edt vybudovanou. Mus\u00ed v\u0161ak j\u00edt o na\u0161e pen\u00edze, nikoliv o \u00fav\u011br.\u201c<\/em><\/p>\n Kreditn\u00ed karty, \u00fav\u011bry i kontokorent na b\u011b\u017en\u00e9m \u00fa\u010dtu maj\u00ed na finan\u010dn\u00edm trhu sv\u00e9 m\u00edsto, ale rozhodn\u011b je nelze bez varov\u00e1n\u00ed nab\u00edzet spot\u0159ebitel\u016fm jako n\u00e1stroj pro vytvo\u0159en\u00ed finan\u010dn\u00ed rezervy. \u201ePokud se takov\u00e9ho omylu dopust\u00ed spot\u0159ebitel, m\u016f\u017ee se dostat do velmi o\u0161emetn\u00e9 situace. \u00daroky z \u010derpan\u00e9ho kontokorentu nebo z \u00fav\u011bru \u010derpan\u00e9ho kreditn\u00ed kartou b\u00fdvaj\u00ed vysok\u00e9 a jejich splacen\u00ed se spot\u0159ebitel nevyhne. Vypadnou-li spot\u0159ebiteli p\u0159\u00edjmy, bude mu chyb\u011bt na spl\u00e1cen\u00ed \u00fav\u011br\u016f pr\u00e1v\u011b ta re\u00e1ln\u00e1 finan\u010dn\u00ed rezerva,\u201c<\/em> varuje Eduarda Hek\u0161ov\u00e1.<\/p>\n Poskytovatel\u00e9 \u00fav\u011br\u016f spot\u0159ebitel\u016fm maj\u00ed jasn\u00e9 povinnosti stanoven\u00e9 z\u00e1konem. P\u0159i komunikaci se spot\u0159ebitelem nesm\u00ed pou\u017e\u00edvat nejasn\u00e9, nepravdiv\u00e9, zav\u00e1d\u011bj\u00edc\u00ed nebo klamav\u00e9 informace. \u201eV dTestu ch\u00e1peme, \u017ee podnikatel\u00e9 se sna\u017e\u00ed spot\u0159ebitel\u016fm prodat sv\u00e9 produkty a \u017ee k tomu mus\u00ed \u010dasto zjednodu\u0161ovat,\u201c<\/em> konstatuje Eduarda Hek\u0161ov\u00e1 a pokra\u010duje: \u201eOzna\u010den\u00ed \u00fav\u011brov\u00fdch produkt\u016f pro spot\u0159ebitele jako rezervy n\u00e1m vad\u00ed, proto\u017ee obsah komunikace se spot\u0159ebitelem nesm\u00ed zleh\u010dovat nebo zaml\u010dovat d\u016fle\u017eit\u00e9 skute\u010dnosti, informace nebo upozorn\u011bn\u00ed, a nesm\u00ed zejm\u00e9na pou\u017e\u00edvat formulace, kter\u00e9 mohou u spot\u0159ebitele vyvol\u00e1vat klamn\u00e9 o\u010dek\u00e1v\u00e1n\u00ed, t\u00fdkaj\u00edc\u00ed se dostupnosti spot\u0159ebitelsk\u00e9ho \u00fav\u011bru a v\u00fd\u0161e jeho n\u00e1klad\u016f.\u201c<\/em><\/p>\n V ide\u00e1ln\u00edm sv\u011bt\u011b je na ka\u017ed\u00e9m, aby se svobodn\u011b rozhodnul, jak a k \u010demu pou\u017eije sv\u00e9 pen\u00edze a zda si na sv\u00e9 v\u00fddaje pen\u00edze p\u016fj\u010d\u00ed. V ide\u00e1ln\u00edm sv\u011bt\u011b se v\u0161ak nenach\u00e1z\u00edme a ve spole\u010dnosti \u017eij\u00ed spot\u0159ebitel\u00e9 r\u016fzn\u011b finan\u010dn\u011b gramotn\u00ed. \u0158ada zraniteln\u00fdch spot\u0159ebitel\u016f si nedok\u00e1\u017ee re\u00e1ln\u011b vyhodnotit svou finan\u010dn\u00ed situaci a poskytovatel\u00e9 finan\u010dn\u00edch slu\u017eeb by proto ve vztahu ke spot\u0159ebitel\u016fm nem\u011bli prod\u00e1vat \u00fav\u011brov\u00e9 produkty jako \u201erezervu\u201c, kterou ve skute\u010dnosti nejsou.<\/p>\n Dostali jste se jako spot\u0159ebitel\u00e9 do probl\u00e9m\u016f ve vztahu k podnikatel\u016fm? M\u00e1te spot\u0159ebitelsk\u00fd dotaz? M\u016f\u017eete se obr\u00e1tit na bezplatnou spot\u0159ebitelskou poradnu dTestu, a to elektronicky na www.dtest.cz\/spotrebitelska-poradna<\/strong><\/a> nebo telefonicky na \u010d\u00edsle 299 149 009.<\/p>\n Text a foto: dTest<\/strong><\/p>\n <\/p>\n <\/p>\n <\/p>\n","protected":false},"excerpt":{"rendered":" Na finan\u010dn\u00ed <\/p>\n","protected":false},"author":2,"featured_media":255539,"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\/2022\/05\/31\/r\u00e1me\u010dek-dtest.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/255536"}],"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=255536"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/255536\/revisions"}],"predecessor-version":[{"id":255538,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/255536\/revisions\/255538"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/255539"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=255536"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=255536"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=255536"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
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