{"id":292328,"date":"2023-11-29T18:03:23","date_gmt":"2023-11-29T17:03:23","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=292328"},"modified":"2023-11-29T18:03:23","modified_gmt":"2023-11-29T17:03:23","slug":"dtest-vesele-vanoce-a-zadluzeny-novy-rok","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=292328","title":{"rendered":"dTest: Vesel\u00e9 V\u00e1noce a zadlu\u017een\u00fd nov\u00fd rok!"},"content":{"rendered":"

Vyh\u0159\u00e1t\u00fd srub, v krbu ti\u0161e poprask\u00e1v\u00e1 a vy si v ka\u0161m\u00edrov\u00e9m svetru u\u017e\u00edv\u00e1te cibetkovou k\u00e1vu, zat\u00edmco v\u00e1s bla\u017e\u00ed pohled na z\u00e1plavu hodnotn\u00fdch d\u00e1rk\u016f… Intenzivn\u00ed reklamn\u00ed mas\u00e1\u017e a v n\u00ed prezentovan\u00fd ide\u00e1l V\u00e1noc ka\u017edoro\u010dn\u011b vede \u010d\u00e1st spot\u0159ebitel\u016f k rozhodnut\u00ed u\u017e\u00edt si V\u00e1noce na spl\u00e1tky. Na co by si spot\u0159ebitel\u00e9 m\u011bli ve snaze vypomoci rodinn\u00e9mu rozpo\u010dtu d\u00e1t pozor a kdy se \u00fav\u011bru rad\u011bji vyhnout?<\/h4>\n

Stoj\u00ed to za to?<\/h6>\n

\"\"Spot\u0159ebitel\u00e9 by m\u011bli p\u0159edev\u0161\u00edm zv\u00e1\u017eit, zda jim po\u0159\u00edzen\u00ed d\u00e1rk\u016f \u010di z\u00e1\u017eitk\u016f stoj\u00ed za to, aby se zadlu\u017eili. \u201eRadost z po\u017eitk\u016f \u010dasto vyhasne ji\u017e p\u0159i \u00fahrad\u011b prvn\u00ed spl\u00e1tky,\u201c<\/em> vysv\u011btluje Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest, a dod\u00e1v\u00e1: \u201eN\u00e1kup na spl\u00e1tky m\u016f\u017ee uleh\u010dit rodinn\u00e9mu rozpo\u010dtu p\u0159i poru\u0161e pra\u010dky \u010di lednice, pop\u0159\u00edpad\u011b p\u0159i n\u00e1kupu jin\u00fdch v\u011bc\u00ed trvalej\u0161\u00ed hodnoty, u nich\u017e je \u017eivotnost del\u0161\u00ed ne\u017e doba spl\u00e1cen\u00ed. Naopak u n\u00e1kupu zbytn\u00fdch dar\u016f bychom spot\u0159ebitel\u016fm radili sp\u00ed\u0161e se \u00fav\u011bru vyhnout.\u201c<\/em><\/p>\n

Jestli\u017ee se spot\u0159ebitel\u00e9 pro n\u00e1kup na spl\u00e1tky rozhodnou, m\u011bli by d\u00e1le zhodnotit, zda budou schopni \u00fav\u011br spl\u00e1cet i p\u0159i nahodil\u00fdch ne\u010dekan\u00fdch ud\u00e1lostech, nap\u0159\u00edklad del\u0161\u00ed pracovn\u00ed neschopnosti \u010di ztr\u00e1t\u011b zam\u011bstn\u00e1n\u00ed, p\u0159\u00edpadn\u011b se proti t\u011bmto okolnostem mohou pojistit.<\/p>\n

\u010e\u00e1bel je skryt v detailu<\/h6>\n

Podcenit nelze ani v\u00fdb\u011br poskytovatele \u00fav\u011bru. Nab\u00eddky \u00fav\u011brov\u00fdch spole\u010dnost\u00ed se mohou zna\u010dn\u011b li\u0161it, vyplat\u00ed se proto jejich alespo\u0148 z\u00e1kladn\u00ed porovn\u00e1n\u00ed. V p\u0159edv\u00e1no\u010dn\u00edm \u010dase nejsou v\u00fdjimkou ani bez\u00faro\u010dn\u00e9 p\u016fj\u010dky poskytovan\u00e9 \u00fav\u011brov\u00fdmi spole\u010dnostmi ve spolupr\u00e1ci s obchodn\u00edky.<\/p>\n

Zvl\u00e1\u0161tn\u00ed pozornost je pak nutn\u00e9 v\u011bnovat nebankovn\u00edm instituc\u00edm, kter\u00e9 se specializuj\u00ed na takzvan\u00e9 mikro\u00fav\u011bry. Pod jejich na prvn\u00ed pohled v\u00fdhodnou nab\u00eddkou n\u00edzk\u00e9ho \u00faroku \u010di ochotou poskytnout \u00fav\u011br i osob\u00e1m se z\u00e1znamem v registru dlu\u017en\u00edk\u016f se m\u016f\u017ee skr\u00fdvat \u0159ada z\u00e1drhel\u016f. K \u017e\u00e1dn\u00fdm nep\u0159\u00edjemnostem nemus\u00ed doj\u00edt, kdy\u017e je \u00fav\u011br \u0159\u00e1dn\u011b a v\u010das spl\u00e1cen. Pokud se v\u0161ak dlu\u017en\u00edk s platbou opozd\u00ed, m\u016f\u017ee b\u00fdt podm\u00ednkami nep\u0159\u00edjemn\u011b p\u0159ekvapen. \u201eP\u0159i prodlen\u00ed s v\u010dasn\u00fdm spl\u00e1cen\u00edm se spot\u0159ebitel\u00e9 mohou u n\u011bkter\u00fdch poskytovatel\u016f \u00fav\u011bru setkat s vysok\u00fdmi pokutami, zv\u00fd\u0161en\u00fdmi \u00faroky \u010di s povinnost\u00ed \u00fav\u011br okam\u017eit\u011b splatit,<\/em>\u201c upozor\u0148uje \u0159editelka dTestu. V\u00fdb\u011br instituce, od n\u00ed\u017e bude spot\u0159ebitel \u00fav\u011br \u010derpat, by tak m\u011bl b\u00fdt doprov\u00e1zen i studiem ve\u0161ker\u00fdch smluvn\u00edch podm\u00ednek.<\/p>\n

Odstoupen\u00ed od smlouvy a p\u0159ed\u010dasn\u00e9 splacen\u00ed<\/h6>\n

Jestli\u017ee spot\u0159ebitel po podpisu dojde k z\u00e1v\u011bru, \u017ee se mu l\u00e9pe \u017eilo bez dluhu, m\u00e1 pr\u00e1vo odstoupit od smlouvy. M\u016f\u017ee tak u\u010dinit i bez uveden\u00ed d\u016fvodu a bez rizika sankce do 14 dn\u016f od uzav\u0159en\u00ed smlouvy. Lh\u016fta se nicm\u00e9n\u011b prodlu\u017euje, pokud spot\u0159ebitel neobdr\u017eel v\u0161echny z\u00e1konem vy\u017eadovan\u00e9 informace, nap\u0159\u00edklad nebyl pou\u010den pr\u00e1v\u011b o mo\u017enosti odstoupit od smlouvy. Pot\u00e9 m\u00e1 spot\u0159ebitel 30 dn\u016f na to, aby vr\u00e1til ji\u017e vyp\u016fj\u010den\u00e9 pen\u00edze. Poskytovatel \u00fav\u011bru m\u00e1 krom\u011b splacen\u00ed jistiny pr\u00e1vo po\u017eadovat tak\u00e9 \u00farok za obdob\u00ed od \u010derp\u00e1n\u00ed \u00fav\u011bru do dne, kdy byla spot\u0159ebitelem jistina splacena.<\/p>\n

\u201eSpot\u0159ebitel\u00e9 maj\u00ed rovn\u011b\u017e pr\u00e1vo \u00fav\u011br kdykoliv p\u0159ed\u010dasn\u011b splatit. T\u00edm se zbav\u00ed \u00farok\u016f a jin\u00fdch n\u00e1klad\u016f, kter\u00e9 by museli hradit, pokud by k p\u0159ed\u010dasn\u00e9mu splacen\u00ed nedo\u0161lo. Naopak poskytovatel m\u00e1 n\u00e1rok na n\u00e1hradu nutn\u00fdch a od\u016fvodn\u011bn\u00fdch n\u00e1klad\u016f, kter\u00e9 mu vznikly v p\u0159\u00edm\u00e9 souvislosti s p\u0159ed\u010dasn\u00fdm splacen\u00edm,\u201c<\/em> uzav\u00edr\u00e1 Eduarda Hek\u0161ov\u00e1.<\/p>\n

Spor pom\u016f\u017ee urovnat arbitr<\/h6>\n

V p\u0159\u00edpad\u011b, \u017ee se spot\u0159ebitel s bankou \u010di jin\u00fdm poskytovatelem \u00fav\u011bru neshodne na rozsahu vz\u00e1jemn\u00fdch pr\u00e1v a povinnosti, je vhodn\u00e9 pokusit se spor urovnat nejprve mimosoudn\u011b. Org\u00e1nem z\u0159\u00edzen\u00fdm k mimosoudn\u00edmu rozhodov\u00e1n\u00ed spor\u016f mimo jin\u00e9 v oblasti spot\u0159ebitelsk\u00e9ho \u00fav\u011bru je finan\u010dn\u00ed arbitr.<\/p>\n

P\u0159i \u0159e\u0161en\u00ed z\u00e1le\u017eitost\u00ed v souvislosti se spot\u0159ebitelsk\u00fdm \u00fav\u011brem mohou spot\u0159ebitel\u00e9 vyu\u017e\u00edt vzorov\u00fdch dopis\u016f dostupn\u00fdch na https:\/\/www.dtest.cz\/clanky-13\/vzorove-dopisy-podle-noz<\/strong><\/a>, nap\u0159\u00edklad pro odstoupen\u00ed od smlouvy o spot\u0159ebitelsk\u00e9m \u00fav\u011bru.<\/strong><\/a><\/p>\n

Pokud spot\u0159ebitel\u00e9 maj\u00ed ot\u00e1zky k tomuto t\u00e9matu, mohou se rovn\u011b\u017e pro radu a konzultaci obr\u00e1tit na bezplatnou spot\u0159ebitelskou poradnu dTestu, a to elektronicky na www.dtest.cz\/spotrebitelska-poradna<\/strong><\/a> nebo telefonicky na \u010d\u00edslo 299 149 009.<\/p>\n

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

\n

 <\/p>\n

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

Vyh\u0159\u00e1t\u00fd srub, <\/p>\n","protected":false},"author":2,"featured_media":292330,"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\/2023\/11\/29\/ram-dtest.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/292328"}],"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=292328"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/292328\/revisions"}],"predecessor-version":[{"id":292329,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/292328\/revisions\/292329"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/292330"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=292328"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=292328"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=292328"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}