{"id":269120,"date":"2022-12-09T15:58:34","date_gmt":"2022-12-09T14:58:34","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=269120"},"modified":"2022-12-09T15:58:34","modified_gmt":"2022-12-09T14:58:34","slug":"dtest-jezisek-na-splatku-radost-co-se-nevyplaci","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=269120","title":{"rendered":"dTest: Je\u017e\u00ed\u0161ek na spl\u00e1tku. Radost, co se nevypl\u00e1c\u00ed"},"content":{"rendered":"
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Ilustra\u010dn\u00ed foto: pixabay<\/figcaption><\/figure>\n
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V\u00e1noce jsou t\u00e9m\u011b\u0159 za dve\u0159mi a obchodn\u00edci, ale i zprost\u0159edkovatel\u00e9 \u010di poskytovatel\u00e9 \u00fav\u011br\u016f tak ze v\u0161ech sil bojuj\u00ed o pozornost spot\u0159ebitel\u016f. Ti se tak ocitaj\u00ed pod palbou nab\u00eddek na jednodu\u0161e nabyt\u00e9 finan\u010dn\u00ed prost\u0159edky, kter\u00e9 jim nab\u00edzej\u00ed snadnou cestu k bohat\u00e9 v\u00e1no\u010dn\u00ed nad\u00edlce. \u010casto se v\u0161ak jedn\u00e1 o radost, kter\u00e1 trv\u00e1 jen kr\u00e1tce. Nav\u00edc radost nev\u00fdhodnou a mnohdy zbyte\u010dnou. Na co si d\u00e1t pozor p\u0159ed neuv\u00e1\u017een\u00fdm vyu\u017eit\u00edm n\u00e1kupu na spl\u00e1tky?<\/h6>\n
N\u00e1kup na spl\u00e1tky \u010di odlo\u017een\u00ed platby jako kouzeln\u00e9 \u0159e\u0161en\u00ed?<\/h6>\n

\"\"P\u0159edv\u00e1no\u010dn\u00ed obdob\u00ed je \u010dasem spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f. A aktu\u00e1ln\u00ed neut\u011b\u0161en\u00e1 ekonomick\u00e1 situace t\u011bmto \u201e\u017en\u00edm\u201c jen nahr\u00e1v\u00e1. Spot\u0159ebitelsk\u00e9 \u00fav\u011bry mohou nab\u00edzet nejen banky, ale tak\u00e9 nebankovn\u00ed (\u00fav\u011brov\u00e9) spole\u010dnosti. \u010casto si tak spot\u0159ebitel\u00e9 ani neuv\u011bdom\u00ed, \u017ee pod vyu\u017eit\u00edm nab\u00eddky od obchodn\u00edka \u201en\u00e1kupu na spl\u00e1tky\u201d se skr\u00fdv\u00e1 pr\u00e1v\u011b smlouva o v\u00e1zan\u00e9m spot\u0159ebitelsk\u00e9m \u00fav\u011bru. Ta v praxi umo\u017e\u0148uje financov\u00e1n\u00ed konkr\u00e9tn\u00edho zbo\u017e\u00ed \u010di slu\u017eby. Probl\u00e9mem je, \u017ee takov\u00fdto spot\u0159ebitelsk\u00fd \u00fav\u011br spot\u0159ebitel neuzav\u00edr\u00e1 s prodejcem, kter\u00fd je jen zprost\u0159edkovatelem, ale p\u0159\u00edmo s poskytovatelem \u00fav\u011bru.<\/p>\n

Pozor by si spot\u0159ebitel\u00e9 m\u011bli d\u00e1t i na l\u00e1kav\u00e9 vyu\u017eit\u00ed mo\u017enosti odlo\u017een\u00fdch plateb, kter\u00e9 jsou tak\u00e9 ur\u010ditou formou \u00fav\u011bru. Spot\u0159ebitel\u00e9 se s nimi mohou \u010dasto setkat p\u0159i n\u00e1kupu zbo\u017e\u00ed na internetu. Obchodn\u00edci tuto mo\u017enost rafinovan\u011b nab\u00edzej\u00ed jako alternativu dob\u00edrky, kdy spot\u0159ebitel m\u016f\u017ee zbo\u017e\u00ed zaplatit pozd\u011bji \u2013 typicky do 14 dn\u00ed. Pro z\u00edsk\u00e1n\u00ed t\u00e9to mo\u017enosti je v\u011bt\u0161inou zapot\u0159eb\u00ed pouze proj\u00edt ov\u011b\u0159en\u00edm bonity spot\u0159ebitele. \u201eL\u00e1kav\u011b jednoduch\u00e9 \u0159e\u0161en\u00ed v\u0161ak sob\u011b skr\u00fdv\u00e1 riziko vysok\u00fdch poplatk\u016f za v\u010dasn\u00e9 nezaplacen\u00ed,\u201c<\/em> upozor\u0148uje \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest Eduarda Hek\u0161ov\u00e1.<\/p>\n

Na co se p\u0159i vyu\u017eit\u00ed spot\u0159ebitelsk\u00e9ho \u00fav\u011bru zam\u011b\u0159it<\/h6>\n

Ide\u00e1ln\u00ed situac\u00ed je se spot\u0159ebitelsk\u00fdm \u00fav\u011br\u016fm zcela vyhnout. Pokud se v\u0161ak i p\u0159es zv\u00e1\u017een\u00ed rizik rozhodnete smlouvu o spot\u0159ebitelsk\u00e9m \u00fav\u011bru podepsat, Eduarda Hek\u0161ov\u00e1 rad\u00ed si p\u0159edev\u0161\u00edm d\u016fkladn\u011b prostudovat v\u0161echny parametry takov\u00e9 smlouvy. Smlouvy o spot\u0159ebitelsk\u00e9m \u00fav\u011bru mus\u00ed bez ohledu na poskytovateli spl\u0148ovat z\u00e1konem stanoven\u00e9 n\u00e1le\u017eitosti. V prv\u00e9 \u0159ad\u011b mus\u00ed m\u00edt v\u017edy p\u00edsemnou podobu. D\u00e1le mus\u00ed smlouva obsahovat identifika\u010dn\u00ed \u00fadaje obou stran, informace o celkov\u00e9 v\u00fd\u0161i \u00fav\u011bru, jeho \u00farokov\u00e9 sazb\u011b a RPSN (v\u010detn\u011b jej\u00edho v\u00fdpo\u010dtu). Smlouva mus\u00ed spot\u0159ebitele tak\u00e9 sezn\u00e1mit s po\u010dtem a \u010detnost\u00ed spl\u00e1tek, celkovou dobou trv\u00e1n\u00ed \u00fav\u011bru. Ve smlouv\u011b mus\u00ed b\u00fdt uveden\u00e9 informace o pr\u00e1vu na p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru \u010di o prodlen\u00ed spot\u0159ebitele, a to v\u010detn\u011b p\u0159\u00edpadn\u00e9 n\u00e1hrady n\u00e1klad\u016f s n\u00edm spojen\u00fdch. Kone\u010dn\u011b mus\u00ed poskytovatel \u00fav\u011bru spot\u0159ebitel\u016fm dodat formul\u00e1\u0159 evropsk\u00e9ho standardizovan\u00e9ho informa\u010dn\u00edho p\u0159ehledu, kter\u00fd pln\u00ed funkci informa\u010dn\u00ed povinnosti a usnad\u0148uje p\u0159ehlednost v\u0161ech n\u00e1le\u017eitost\u00ed.<\/p>\n

V\u00fd\u0161e \u00farokov\u00e9 sazby pro posouzen\u00ed v\u00fdhodnosti nesta\u010d\u00ed. Kl\u00ed\u010dov\u00e1 je dob\u0159e zn\u00e1m\u00e1 zkratka RPSN, tedy ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f. V \u010dem spo\u010d\u00edv\u00e1? Zna\u010d\u00ed \u010d\u00e1stku, kterou mus\u00ed spot\u0159ebitel za uzav\u0159en\u00fd \u00fav\u011br za obdob\u00ed jednoho roku zaplatit. Oproti klasick\u00e9 \u00farokov\u00e9 sazb\u011b zahrnuje v\u0161echny dal\u0161\u00ed souvisej\u00edc\u00ed n\u00e1klady, a\u0165 u\u017e se jedn\u00e1 o poplatek za uzav\u0159en\u00ed smlouvy \u010di veden\u00ed \u00fav\u011brov\u00e9ho \u00fa\u010dtu. P\u0159i zva\u017eov\u00e1n\u00ed vyu\u017eit\u00ed n\u00e1kupu na spl\u00e1tky tak\u00e9 doporu\u010dujeme vyu\u017e\u00edt na\u0161i kalkula\u010dku na www.dtest.cz\/kalkulacka\/rpsn<\/strong><\/a>.<\/p>\n

Vyst\u0159\u00edzliv\u011bn\u00ed do 14 dn\u016f \u2013 mo\u017enost odstoupen\u00ed od smlouvy<\/h6>\n

Ve spot\u0159ebitelsk\u00e9 poradn\u011b dTestu je u\u017e ka\u017edoro\u010dn\u00ed pov\u00e1no\u010dn\u00ed tradic\u00ed zv\u00fd\u0161en\u00fd po\u010det \u017e\u00e1dost\u00ed o radu s pot\u00ed\u017eemi p\u0159i spl\u00e1cen\u00ed v\u00e1no\u010dn\u00edch p\u016fj\u010dek a dal\u0161\u00edmi probl\u00e9my s \u00fav\u011brov\u00fdmi spole\u010dnostmi. N\u011bkdy maj\u00ed tyto situace jednoduch\u00e9 \u0159e\u0161en\u00ed. Pokud spot\u0159ebitel podlehne v\u00e1no\u010dn\u00edmu marketingov\u00e9mu n\u00e1tlaku a pozd\u011bji si sv\u00e9 jedn\u00e1n\u00ed rozmysl\u00ed, nen\u00ed nic ztraceno. \u201eSpot\u0159ebitel\u00e9 maj\u00ed pr\u00e1vo na odstoupen\u00ed od smlouvy o spot\u0159ebitelsk\u00e9m \u00fav\u011bru do 14 dn\u016f od jej\u00edho uzav\u0159en\u00ed. V t\u00e9to lh\u016ft\u011b tak m\u016f\u017ee spot\u0159ebitel jednodu\u0161e od smlouvy odstoupit. A to bez uveden\u00ed d\u016fvodu a obav z jak\u00e9koliv sankce<\/em>,\u201c p\u0159ipom\u00edn\u00e1 Eduarda Hek\u0161ov\u00e1.<\/p>\n

V\u00e1noce na p\u016fj\u010dku jsou drah\u00fdm \u0159e\u0161en\u00edm<\/h6>\n

Z\u00e1v\u011brem je zapot\u0159eb\u00ed upozornit, \u017ee za radost z rychle nabyt\u00fdch pen\u011bz p\u0159ich\u00e1z\u00ed n\u00e1sledky v podob\u011b zaplacen\u00ed vy\u0161\u0161\u00ed \u010d\u00e1stky, ne\u017e si spot\u0159ebitel\u00e9 p\u016fj\u010dili. \u010castokr\u00e1t se tak jedn\u00e1 o spl\u00e1tky trvaj\u00edc\u00ed v\u00edce ne\u017e jeden rok a p\u0159\u00ed\u0161t\u00ed V\u00e1noce se tak m\u016f\u017eete ocitnout v je\u0161t\u011b hor\u0161\u00ed finan\u010dn\u00ed situaci. Lze tak jen doporu\u010dit nep\u016fj\u010dovat si na takov\u00e9 zbo\u017e\u00ed a slu\u017eby, kter\u00e9 spot\u0159ebitel\u00e9 budou spl\u00e1cet d\u00e9le, ne\u017e je spot\u0159ebov\u00e1vat. \u00dav\u011br doporu\u010dujeme zva\u017eovat a\u017e teprve ve chv\u00edli, kdy dan\u00e9 zbo\u017e\u00ed \u010di slu\u017ebu spot\u0159ebitel skute\u010dn\u011b pot\u0159ebuje (t\u0159eba v r\u00e1mci zaji\u0161t\u011bn\u00ed dom\u00e1cnosti \u010di vzd\u011bl\u00e1n\u00ed). \u201ePamatujme tak, \u017ee adventn\u00ed \u010das je kr\u00e1sn\u00fdm obdob\u00edm, kter\u00fd by v\u0161ak nem\u011bl b\u00fdt \u010dasem stresu a starost\u00ed pro ty, kte\u0159\u00ed maj\u00ed hloub\u011bji do kapsy,\u201d<\/em> uzav\u00edr\u00e1 Eduarda Hek\u0161ov\u00e1.<\/p>\n

dTest<\/strong><\/p>\n

\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

  V\u00e1noce <\/p>\n","protected":false},"author":2,"featured_media":269122,"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\/12\/09\/r\u00e1m-dtest.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/269120"}],"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=269120"}],"version-history":[{"count":2,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/269120\/revisions"}],"predecessor-version":[{"id":269123,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/269120\/revisions\/269123"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/269122"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=269120"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=269120"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=269120"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}