{"id":311510,"date":"2024-06-18T18:52:35","date_gmt":"2024-06-18T17:52:35","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=311510"},"modified":"2024-06-18T18:52:35","modified_gmt":"2024-06-18T17:52:35","slug":"dtest-splatkove-prazdniny-%e2%81%a0%e2%81%a0%e2%81%a0%e2%81%a0%e2%81%a0%e2%81%a0-%e2%81%a0%e2%81%a0%e2%81%a0benefit-nebo-past-pro-spotrebitele","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=311510","title":{"rendered":"dTest: Spl\u00e1tkov\u00e9 pr\u00e1zdniny \u2013\u2060\u2060\u2060\u2060\u2060\u2060 \u2060\u2060\u2060benefit, nebo past pro spot\u0159ebitele?"},"content":{"rendered":"
V r\u00e1mci spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f se na trhu objevuj\u00ed \u201ebenefity\u201c v podob\u011b spl\u00e1tkov\u00fdch pr\u00e1zdnin. Jedn\u00e1 se o v\u00fdhodu, nebo past pro spot\u0159ebitele? Ne ka\u017ed\u00fd poskytovatel spot\u0159ebitelsk\u00e9ho \u00fav\u011bru sd\u011bl\u00ed ve\u0161ker\u00e9 relevantn\u00ed skute\u010dnosti, aby se spot\u0159ebitel mohl rozhodnout, zda t\u00e9to mo\u017enosti v\u016fbec vyu\u017eije.<\/h6>\n

\"\"Asi ka\u017ed\u00fd spot\u0159ebitel n\u011bkdy za\u017eil situaci, kdy se mu v jednom m\u011bs\u00edci nakup\u00ed ne\u010dekan\u00e9 v\u00fddaje, a\u0165 u\u017e se jedn\u00e1 o n\u00e1klady na po\u0159\u00edzen\u00ed nov\u00e9 pra\u010dky \u010di v\u00fdpadek p\u0159\u00edjm\u016f. Tyto situace mohou b\u00fdt obzvl\u00e1\u0161\u0165 t\u00ed\u017eiv\u00e9, pokud by se v jejich d\u016fsledk\u016f spot\u0159ebitel\u00e9 m\u011bli dostat do pot\u00ed\u017e\u00ed se spl\u00e1cen\u00edm \u00fav\u011bru. Nejen pro tyto p\u0159\u00edpady poskytovatel\u00e9 \u00fav\u011br\u016f nab\u00edz\u00ed na prvn\u00ed pohled p\u0159\u00edv\u011btiv\u00e9 \u0159e\u0161en\u00ed v podob\u011b spl\u00e1tkov\u00fdch pr\u00e1zdnin. O spl\u00e1tkov\u00e9 pr\u00e1zdniny v\u0161ak spot\u0159ebitel\u00e9 mohou po\u017e\u00e1dat i bez d\u016fvodu, nap\u0159. pokud cht\u011bj\u00ed pen\u00edze, jinak vynalo\u017een\u00e9 na spl\u00e1tky \u00fav\u011bru, vyu\u017e\u00edt jin\u00fdm zp\u016fsobem. V p\u0159\u00edpad\u011b sjedn\u00e1n\u00ed spl\u00e1tkov\u00fdch pr\u00e1zdnin tak nap\u0159\u00edklad m\u016f\u017eete jednotliv\u00e9 spl\u00e1tky \u00fav\u011bru na \u010das odlo\u017eit. V \u010dem je tedy h\u00e1\u010dek?<\/p>\n

\u201eSpl\u00e1tkov\u00e9 pr\u00e1zdniny \u010dasto prezentuj\u00ed poskytovatel\u00e9 spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f jako v\u00fdhodu. Princip tohoto v\u00e1ben\u00ed je jednoduch\u00fd \u2013 sjedn\u00e1n\u00edm spl\u00e1tkov\u00fdch pr\u00e1zdnin se m\u016f\u017ee spot\u0159ebitel ka\u017edoro\u010dn\u011b rozhodnout n\u011bjak\u00e9 spl\u00e1tky neplatit s t\u00edm, \u017ee o \u00faroky se zvedne celkov\u00e1 \u010d\u00e1stka k doplacen\u00ed a o dobu trv\u00e1n\u00ed spl\u00e1tkov\u00fdch pr\u00e1zdnin se spot\u0159ebiteli prodlou\u017e\u00ed i doba spl\u00e1cen\u00ed spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. Alternativn\u011b n\u011bkte\u0159\u00ed poskytovatel\u00e9 \u00fav\u011br\u016f nab\u00edz\u00ed mo\u017enost po dobu trv\u00e1n\u00ed odkladu spl\u00e1tek hradit pouze \u010d\u00e1stku \u00farok\u016f, \u010d\u00edm\u017e do\u010dasn\u011b dojde ke sn\u00ed\u017een\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky,\u201c<\/em> uv\u00e1d\u00ed Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest, a dod\u00e1v\u00e1: \u201eTato nab\u00eddka se m\u016f\u017ee na prvn\u00ed pohled jevit jako velmi l\u00e1kav\u00e1 a pro n\u011bkter\u00e9 spot\u0159ebitele m\u016f\u017ee b\u00fdt i d\u016fvodem pro v\u00fdb\u011br dan\u00e9ho poskytovatele \u00fav\u011br\u016f. V n\u011bkter\u00fdch p\u0159\u00edpadech ale spot\u0159ebitel\u016fm m\u016f\u017ee zp\u016fsobit nemal\u00e9 pot\u00ed\u017ee v budoucnu.\u201c<\/em><\/p>\n

P\u0159edn\u011b plat\u00ed, \u017ee spl\u00e1tkov\u00e9 pr\u00e1zdniny je v\u017edy pot\u0159eba s poskytovatelem \u00fav\u011bru sjednat a nevznik\u00e1 na n\u011b n\u00e1rok. Spot\u0159ebitel nejprve mus\u00ed splnit stanoven\u00e9 podm\u00ednky, aby mohl o spl\u00e1tkov\u00e9 pr\u00e1zdniny po\u017e\u00e1dat, a n\u00e1sledn\u011b vy\u010dkat schv\u00e1len\u00ed ze strany poskytovatele \u00fav\u011bru.<\/p>\n

Spl\u00e1tkov\u00e9 pr\u00e1zdniny p\u0159itom nemus\u00ed b\u00fdt zcela zdarma. U n\u011bkter\u00fdch poskytovatel\u016f \u00fav\u011br\u016f m\u016f\u017eete za zprost\u0159edkovan\u00fd odklad spl\u00e1tek \u00fav\u011bru dokonce i zaplatit poplatek za vy\u0159\u00edzen\u00ed.<\/p>\n

\u201eNe\u017e se rozhodnete vyu\u017e\u00edt t\u00e9to \u201al\u00e1kav\u00e9\u2018 nab\u00eddky, je pot\u0159eba d\u016fkladn\u011b zv\u00e1\u017eit, jak\u00e9 podm\u00ednky uplat\u0148uje zrovna v\u00e1\u0161 poskytovatel spot\u0159ebitelsk\u00e9ho \u00fav\u011bru,\u201c<\/em> vysv\u011btluje Eduarda Hek\u0161ov\u00e1 a dopl\u0148uje: \u201eN\u011bkte\u0159\u00ed poskytovatel\u00e9 toti\u017e vyu\u017eit\u00ed spl\u00e1tkov\u00fdch pr\u00e1zdnin prom\u00edtaj\u00ed do bankovn\u00edho, pop\u0159. nebankovn\u00edho registru jako odklad spl\u00e1tek s \u201ap\u0159\u00edznakem negativn\u00ed informace\u2018, co\u017e m\u016f\u017ee i zna\u010dn\u011b zkomplikovat schvalov\u00e1n\u00ed \u017e\u00e1dosti o jin\u00fd \u00fav\u011br v budoucnu, nap\u0159. p\u0159i refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru \u010di hypote\u010dn\u00edho \u00fav\u011bru.\u201c<\/em><\/p>\n

Negativn\u00ed z\u00e1pis do bankovn\u00edho \u010di nebankovn\u00edho registru obecn\u011b znamen\u00e1, \u017ee klient \u0159\u00e1dn\u011b nespl\u00e1c\u00ed sv\u00e9 z\u00e1vazky. V praxi pak jin\u00fd ne\u017e v\u00e1\u0161 st\u00e1vaj\u00edc\u00ed poskytovatel \u00fav\u011bru, kter\u00fd posuzuje va\u0161i bonitu p\u0159i \u017e\u00e1dosti o \u00fav\u011br, jen obt\u00ed\u017en\u011b odhal\u00ed, zda jste d\u0159\u00edve v pozici dlu\u017en\u00edka po\u017e\u00e1dali o spl\u00e1tkov\u00e9 pr\u00e1zdniny, tj. odklad spl\u00e1tek, pouze z d\u016fvodu \u010derp\u00e1n\u00ed \u201ebenefitu\u201c nab\u00edzen\u00e9ho poskytovatelem, nebo jste se dostali do skute\u010dn\u00fdch finan\u010dn\u00edch probl\u00e9m\u016f. V t\u00e9to pozici pak m\u016f\u017eete \u010delit zp\u0159\u00edsn\u011bn\u00ed podm\u00ednek \u010derp\u00e1n\u00ed \u00fav\u011bru, nebo dokonce zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br. D\u00e1le je t\u0159eba vz\u00edt v \u00favahu, \u017ee pokud je proveden z\u00e1znam o odkladu spl\u00e1tek, pak se v\u017edy objev\u00ed v registru nejen u samotn\u00e9ho dlu\u017en\u00edka, ale i u p\u0159\u00edpadn\u00fdch spoludlu\u017en\u00edk\u016f \u010di ru\u010ditel\u016f. D\u016frazn\u011b proto doporu\u010dujeme, abyste v\u017edy d\u016fkladn\u011b prozkoumali podm\u00ednky nab\u00eddky spl\u00e1tkov\u00fdch pr\u00e1zdnin u konkr\u00e9tn\u00edho poskytovatele spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. V p\u0159\u00edpad\u011b, \u017ee v\u00e1s v dohledn\u00e9 dob\u011b \u010dek\u00e1 refinancov\u00e1n\u00ed hypote\u010dn\u00edho \u010di jin\u00e9ho spot\u0159ebitelsk\u00e9ho \u00fav\u011bru, zva\u017ete, zda v\u00e1m tato \u201ev\u00fdhoda\u201c v budoucnu nezkomplikuje \u017e\u00e1dost o \u00fav\u011br t\u00edm, \u017ee v\u00e1m zhor\u0161\u00ed nab\u00edzenou \u00farokovou sazbu \u010di samotn\u00e9 z\u00edsk\u00e1n\u00ed \u00fav\u011bru.<\/p>\n

V p\u0159\u00edpad\u011b poskytovatel\u016f spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f by se v kone\u010dn\u00e9m d\u016fsledku mohlo jednat tak\u00e9 o \u00fa\u010deln\u00e9 omezen\u00ed konkuren\u010dn\u00edho boje o klienta. T\u00edm, \u017ee by do\u0161lo k z\u00e1pisu negativn\u00ed informace v registru, a to na z\u00e1klad\u011b sjedn\u00e1n\u00ed spl\u00e1tkov\u00fdch pr\u00e1zdnin deklarovan\u00fdch poskytovatelem jako benefit, si poskytovatel \u00fav\u011bru sv\u00e9ho z\u00e1kazn\u00edka v podstat\u011b p\u0159ipout\u00e1. Spot\u0159ebitel se toti\u017e m\u016f\u017ee snadno ocitnout v situaci, \u017ee nab\u00eddku relativn\u011b v\u00fdhodn\u00e9 \u00farokov\u00e9 sazby nebo v\u016fbec \u0161anci na \u010derp\u00e1n\u00ed nov\u00e9ho \u00fav\u011bru nap\u0159\u00ed\u0161t\u011b z\u00edsk\u00e1 pouze u poskytovatele st\u00e1vaj\u00edc\u00edho \u00fav\u011bru. \u201eV p\u0159\u00edpad\u011b po\u017eadavku na sn\u00ed\u017een\u00ed m\u011bs\u00ed\u010dn\u00ed v\u00fd\u0161e spl\u00e1tky bez negativn\u00edho z\u00e1znamu v registru se p\u0159itom nab\u00edz\u00ed alternativa k \u00favaze v podob\u011b refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru. V p\u0159\u00edpad\u011b v\u00edce \u00fav\u011br\u016f i konsolidace do jednoho \u00fav\u011bru s ni\u017e\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tkou,\u201c<\/em> uzav\u00edr\u00e1 Eduarda Hek\u0161ov\u00e1 za dTest.<\/p>\n

Pokud maj\u00ed spot\u0159ebitel\u00e9 ot\u00e1zky k tomuto t\u00e9matu, mohou se 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","protected":false},"excerpt":{"rendered":"

V r\u00e1mci <\/p>\n","protected":false},"author":2,"featured_media":311512,"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\/2024\/06\/18\/ram-dtest.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/311510"}],"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=311510"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/311510\/revisions"}],"predecessor-version":[{"id":311511,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/311510\/revisions\/311511"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/311512"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=311510"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=311510"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=311510"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}