{"id":359312,"date":"2025-10-16T16:34:04","date_gmt":"2025-10-16T15:34:04","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=359312"},"modified":"2025-10-16T16:34:04","modified_gmt":"2025-10-16T15:34:04","slug":"dtest-moda-na-dluh-aneb-novy-mobil-bez-koupe","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=359312","title":{"rendered":"dTest: M\u00f3da na dluh aneb Nov\u00fd mobil bez koup\u011b"},"content":{"rendered":"

\u00dapln\u011b nov\u00fd mobil za \u201ep\u00e1r stovek m\u011bs\u00ed\u010dn\u011b\u201c. U\u017e jste narazili na takovou nab\u00eddku? Po p\u0159edstaven\u00ed nov\u00fdch model\u016f iPhone na za\u010d\u00e1tku z\u00e1\u0159\u00ed a s bl\u00ed\u017e\u00edc\u00edmi se V\u00e1noci se internet reklamami na pron\u00e1jem \u010di \u00fav\u011bry na n\u00e1kup mobiln\u00edch telefon\u016f jenom hem\u017e\u00ed. Je to ale skute\u010dn\u011b tak v\u00fdhodn\u00e9, jak podnikatel\u00e9 uv\u00e1d\u011bj\u00ed? A d\u00e1v\u00e1 smysl si na n\u00e1kup nov\u00e9ho telefonu p\u016fj\u010dit?<\/h4>\n

Je to v\u00fdhodn\u00e9?<\/strong><\/h6>\n

\"\"N\u00e1jem nebo \u00fav\u011br m\u016f\u017ee b\u00fdt snadnou cestou k\u00a0po\u0159\u00edzen\u00ed pr\u00e9miov\u00e9ho za\u0159\u00edzen\u00ed. \u0158\u00edk\u00e1te si, \u017ee p\u00e1r set korun m\u011bs\u00ed\u010dn\u011b p\u0159ece v\u00a0pen\u011b\u017eence v\u017edy najdete. Jenom\u017ee ka\u017ed\u00fd \u00fav\u011br s sebou nese ur\u010dit\u00e1 rizika a n\u00e1jem nen\u00ed tak v\u00fdhodn\u00fd, jak se na prvn\u00ed pohled m\u016f\u017ee zd\u00e1t. P\u0159ed uzav\u0159en\u00edm smlouvy si zkuste polo\u017eit tyto ot\u00e1zky:<\/p>\n

\u25cf\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Jak\u00e1 je celkov\u00e1 \u010d\u00e1stka, kterou za mobil zaplat\u00edte, kolik \u010din\u00ed m\u011bs\u00ed\u010dn\u00ed poplatky a jak spl\u00e1tka ovlivn\u00ed v\u00e1\u0161 m\u011bs\u00ed\u010dn\u00ed rozpo\u010det?<\/p>\n

\u25cf\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 M\u00e1te dostate\u010dnou rezervu na pokryt\u00ed spl\u00e1tek i v p\u0159\u00edpad\u011b poklesu p\u0159\u00edjm\u016f?<\/p>\n

\u25cf\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nenechali jste se ovlivnit reklamou nebo okol\u00edm a nechcete zbyte\u010dn\u011b drah\u00fd telefon, jeho\u017e funkce ani nevyu\u017eijete?<\/p>\n

\u25cf\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Vr\u00e1t\u00ed se v\u00e1m investice do dra\u017e\u0161\u00edho p\u0159\u00edstroje? Pot\u0159ebujete ho nap\u0159\u00edklad k pr\u00e1ci?<\/p>\n

\u25cf\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Zv\u00e1\u017eili jste koupi levn\u011bj\u0161\u00edho modelu, p\u0159\u00edpadn\u011b repasovan\u00e9ho nebo pou\u017eit\u00e9ho za\u0159\u00edzen\u00ed, kter\u00e9 byste zvl\u00e1dli po\u0159\u00eddit bez nutnosti spl\u00e1tek?<\/p>\n

N\u00e1jem<\/strong><\/h6>\n

V p\u0159\u00edpad\u011b n\u00e1jmu v\u00e1m mobiln\u00ed telefon nepat\u0159\u00ed, tak\u017ee po uplynut\u00ed n\u00e1jemn\u00ed doby mus\u00edte pronajat\u00fd mobil vr\u00e1tit, pokud nechcete n\u00e1jem prodlou\u017eit.\u00a0\u201eDoporu\u010dujeme dob\u0159e zv\u00e1\u017eit, zda chcete platit za n\u011bco, co v\u00e1m nepat\u0159\u00ed,\u201c<\/em>\u00a0upozor\u0148uje Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest.<\/p>\n

Po projit\u00ed dostupn\u00fdch nab\u00eddek jsme zjistili, \u017ee cena n\u00e1jmu mobiln\u00edho telefonu se obvykle pohybuje v \u0159\u00e1dech n\u011bkolika set a\u017e dvou tis\u00edc korun za m\u011bs\u00edc a b\u011b\u017en\u011b je n\u00e1jem sjedn\u00e1v\u00e1n na 24 m\u011bs\u00edc\u016f.\u00a0\u201eDoporu\u010dujeme spot\u0159ebitel\u016fm ov\u011b\u0159it si, kolik zaplat\u00ed za n\u00e1jemn\u00e9 a zda nap\u0159\u00edklad nebude v\u00fdhodn\u011bj\u0161\u00ed a rozumn\u011bj\u0161\u00ed zaplatit z\u00a0vlastn\u00edch prost\u0159edk\u016f levn\u011bj\u0161\u00ed model,\u201c<\/em>\u00a0rad\u00ed Hek\u0161ov\u00e1.<\/p>\n

D\u00e1le je t\u0159eba si uv\u011bdomit, \u017ee na pronajat\u00fd mobil se sice zpravidla vztahuj\u00ed pr\u00e1va z vadn\u00e9ho pln\u011bn\u00ed, ta se ov\u0161em t\u00fdkaj\u00ed pouze vad z v\u00fdroby. Pokud ale spot\u0159ebitel mobilu nap\u0159\u00edklad rozbije displej, tak bude muset uhradit opravu, a to nad r\u00e1mec m\u011bs\u00ed\u010dn\u00edho n\u00e1jmu. V\u00fdjimkou mohou b\u00fdt situace, kdy je sou\u010d\u00e1st\u00ed n\u00e1jmu i poji\u0161t\u011bn\u00ed, spot\u0159ebitel\u016fm proto doporu\u010dujeme zjistit si, zda tomu tak je, a z\u00e1rove\u0148 ov\u011b\u0159it, zda nen\u00ed p\u0159\u00edli\u0161 drah\u00e9. Dal\u0161\u00ed \u00faskal\u00ed m\u016f\u017ee nastat i u samotn\u00e9 v\u00fdpov\u011bdi n\u00e1jmu, n\u00e1jemn\u00ed smlouva bude v tomto p\u0159\u00edpad\u011b sjedn\u00e1na na dobu ur\u010ditou a spot\u0159ebiteli tak ze z\u00e1kona nen\u00e1le\u017e\u00ed pr\u00e1vo na vypov\u011bzen\u00ed t\u00e9to smlouvy, leda\u017ee by si to ujednal v n\u00e1jemn\u00ed smlouv\u011b. Podnikatel pak m\u016f\u017ee po spot\u0159ebiteli nap\u0159\u00edklad po\u017eadovat finan\u010dn\u00ed kompenzaci za p\u0159ed\u010dasnou v\u00fdpov\u011b\u010f.<\/p>\n

V\u00a0p\u0159\u00edpad\u011b, kdy je n\u00e1jem sjednan\u00fd distan\u010dn\u00edm zp\u016fsobem, je mo\u017en\u00e9 od smlouvy do 14 dn\u016f odstoupit bez ud\u00e1n\u00ed d\u016fvodu. V\u00a0p\u0159\u00edpad\u011b osobn\u00edho uzav\u0159en\u00ed smlouvy v\u0161ak z\u00e1kon odstoupen\u00ed od smlouvy neumo\u017e\u0148uje, a tak je mo\u017en\u00e9 jen v\u00a0p\u0159\u00edpad\u011b, \u017ee je sjedn\u00e1no, a to za podm\u00ednek uveden\u00fdch ve smlouv\u011b \u010di obchodn\u00edch podm\u00ednk\u00e1ch.<\/p>\n

\u00dav\u011br<\/strong><\/h6>\n

V p\u0159\u00edpad\u011b, \u017ee se rozhodnete pro \u00fav\u011br, je t\u0159eba myslet na n\u011bkolik z\u00e1kladn\u00edch v\u011bc\u00ed. Smlouva o spot\u0159ebitelsk\u00e9m \u00fav\u011bru mus\u00ed b\u00fdt v\u017edy p\u00edsemn\u00e1, obsahovat identifikaci stran, formul\u00e1\u0159 evropsk\u00e9ho standardizovan\u00e9ho informa\u010dn\u00edho p\u0159ehledu, dobu trv\u00e1n\u00ed \u00fav\u011bru, po\u010det a \u010detnost spl\u00e1tek, celkovou v\u00fd\u0161i \u00fav\u011bru a p\u0159eplatku, \u00farokovou sazbu a RPSN.<\/p>\n

P\u0159i posuzov\u00e1n\u00ed v\u00fdhodnosti \u00fav\u011bru se v\u0161ak nespol\u00e9hejte pouze na \u00farokovou sazbu. \u010casto toti\u017e p\u0159eplat\u00edte v\u00edce, ne\u017e kolik \u00farokov\u00e1 sazba nazna\u010duje, a to kv\u016fli r\u016fzn\u00fdm poplatk\u016fm. Proto hledejte zkratku RPSN, tedy ro\u010dn\u00ed procentn\u00ed sazbu n\u00e1klad\u016f. Jak s touto sazbou pracovat, v\u00e1m m\u016f\u017ee napov\u011bd\u011bt na\u0161e kalkula\u010dka \u2013\u00a0www.dtest.cz\/kalkulacka\/rpsn<\/a>.<\/strong><\/p>\n

I po sjedn\u00e1n\u00ed \u00fav\u011bru m\u00e1te \u010das na rozmy\u0161lenou. Od smlouvy m\u016f\u017eete odstoupit do 14 dn\u016f od jej\u00edho uzav\u0159en\u00ed, a to bez ud\u00e1n\u00ed d\u016fvodu. Po del\u0161\u00ed dob\u011b tak\u00e9 bude mo\u017en\u00e9 odstoupit, rozhoduj\u00edc\u00ed pak ale bude, co je sjedn\u00e1no ve smlouv\u011b o \u00fav\u011bru. Je mo\u017en\u00e9, \u017ee odstoupen\u00ed pozd\u011bji bude nap\u0159\u00edklad podm\u00edn\u011bno dodate\u010dn\u00fdmi poplatky.<\/p>\n

Je to opravdu nezbytn\u00e9?<\/strong><\/h6>\n

\u201eBohu\u017eel se setk\u00e1v\u00e1me se situacemi, kdy se spot\u0159ebitel\u00e9 dostanou do finan\u010dn\u00edch pot\u00ed\u017e\u00ed, a to i pouze kv\u016fli sjedn\u00e1n\u00ed zbyte\u010dn\u00e9ho \u00fav\u011bru. Z\u00a0tohoto d\u016fvodu apelujeme na spot\u0159ebitele, aby zv\u00e1\u017eili, zda je opravdu rozumn\u00e9 zav\u00e1zat se ke spot\u0159ebitelsk\u00e9mu \u00fav\u011bru nap\u0159\u00edklad na mobiln\u00ed telefon,\u201c<\/em>\u00a0upozor\u0148uje Eduarda Hek\u0161ov\u00e1. Problematick\u00e9 m\u016f\u017ee b\u00fdt i sjedn\u00e1n\u00ed nev\u00fdhodn\u00e9ho n\u00e1jmu, kter\u00fd spot\u0159ebitele vyjde t\u0159eba u\u017e po roce dr\u00e1\u017e ne\u017e samotn\u00e1 koup\u011b. Pokud by se spot\u0159ebitel\u00e9 cht\u011bli poradit ohledn\u011b n\u00e1jmu \u010di \u00fav\u011bru, mohou se obracet na poradenskou linku \u010dasopisu dTest, a to na \u010d\u00edsle 299\u00a0149\u00a0009 \u010di elektronicky na str\u00e1nce\u00a0www.dtest.cz\/poradna<\/a><\/strong>.<\/p>\n

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

\n

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

\u00dapln\u011b nov\u00fd <\/p>\n","protected":false},"author":2,"featured_media":359313,"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\/2025\/10\/16\/ram-dtest.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/359312"}],"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=359312"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/359312\/revisions"}],"predecessor-version":[{"id":359314,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/359312\/revisions\/359314"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/359313"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=359312"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=359312"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=359312"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}