{"id":390529,"date":"2026-11-10T12:15:47","date_gmt":"2026-11-10T11:15:47","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=390529"},"modified":"2026-11-10T12:15:47","modified_gmt":"2026-11-10T11:15:47","slug":"dtest-ochrani-nova-pravidla-spotrebitele-pred-drahymi-uvery","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=390529","title":{"rendered":"dTest: Ochr\u00e1n\u00ed nov\u00e1 pravidla spot\u0159ebitele p\u0159ed drah\u00fdmi \u00fav\u011bry?"},"content":{"rendered":"
Prezident podepsal dlouho o\u010dek\u00e1vanou novelu z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru. Ta od 1. \u00fanora 2027 mimo jin\u00e9 omez\u00ed cenu nejdra\u017e\u0161\u00edch p\u016fj\u010dek, roz\u0161\u00ed\u0159\u00ed ochranu na odlo\u017een\u00e9 platby a zp\u0159\u00edsn\u00ed pravidla reklamy i p\u0159edsmluvn\u00edch informac\u00ed. A\u010dkoliv je v\u011bt\u0161ina zm\u011bn pozitivn\u00edch, dTest spot\u0159ebitel\u016fm p\u0159ipom\u00edn\u00e1, \u017ee ani \u00fav\u011br spl\u0148uj\u00edc\u00ed nov\u00e9 po\u017eadavky nemus\u00ed b\u00fdt automaticky v\u00fdhodn\u00fd.<\/h6>\n
Drah\u00e9 p\u016fj\u010dky dostanou strop<\/strong><\/h6>\n

\"\"Jednou z nejv\u00fdrazn\u011bj\u0161\u00edch zm\u011bn je cenov\u00fd strop pro spot\u0159ebitelsk\u00e9 \u00fav\u011bry jin\u00e9 ne\u017e na bydlen\u00ed. Omezovat se bude p\u0159edev\u0161\u00edm takzvan\u00e9 RPSN, kter\u00e9 ukazuje celkovou cenu \u00fav\u011bru v\u010detn\u011b \u00farok\u016f a povinn\u00fdch poplatk\u016f. V\u00fd\u0161e stropu se bude odv\u00edjet od repo sazby \u010cesk\u00e9 n\u00e1rodn\u00ed banky, jeho nejni\u017e\u0161\u00ed mo\u017en\u00e1 hodnota v\u0161ak bude 48 procent RPSN. U p\u016fj\u010dek do 20 tis\u00edc korun na dobu nejv\u00fd\u0161e jednoho roku bude cenov\u00fd strop vyj\u00e1d\u0159en p\u0159\u00edmo v korun\u00e1ch.<\/p>\n

\u201eCenov\u00fd strop je z\u00e1chrann\u00e1 brzda, nikoli zn\u00e1mka v\u00fdhodn\u00e9 p\u016fj\u010dky. RPSN 48 procent st\u00e1le znamen\u00e1 mimo\u0159\u00e1dn\u011b drah\u00fd \u00fav\u011br. Pro srovn\u00e1n\u00ed, pr\u016fm\u011brn\u00e9 RPSN nov\u00fdch spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f poskytnut\u00fdch bankami \u010dinilo v z\u00e1\u0159\u00ed 2026 podle \u010cesk\u00e9 n\u00e1rodn\u00ed banky 8,19 procenta,\u201c <\/em>\u0159\u00edk\u00e1 Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest.<\/p>\n

Nov\u00fd strop m\u00e1 zabr\u00e1nit nejextr\u00e9mn\u011bj\u0161\u00edm cen\u00e1m \u00fav\u011br\u016f, s nimi\u017e se spot\u0159ebitel\u00e9 setk\u00e1vaj\u00ed zejm\u00e9na u \u010d\u00e1sti nebankovn\u00edch poskytovatel\u016f. Neznamen\u00e1 to v\u0161ak, \u017ee ka\u017ed\u00e1 p\u016fj\u010dka pod touto hranic\u00ed bude v\u00fdhodn\u00e1. P\u0159ed podpisem je proto d\u016fle\u017eit\u00e9 porovnat nejen v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky, ale tak\u00e9 RPSN a celkovou \u010d\u00e1stku, kterou spot\u0159ebitel nakonec vr\u00e1t\u00ed. Ov\u011b\u0159it je nezbytn\u00e9 rovn\u011b\u017e renom\u00e9 poskytovatele.<\/p>\n

Srozumiteln\u011bj\u0161\u00ed nab\u00eddka a st\u0159\u00edzliv\u011bj\u0161\u00ed reklama<\/strong><\/h6>\n

Poskytovatel\u00e9 u\u017e dnes mus\u00ed p\u0159ed podpisem p\u0159edat standardizovan\u00e9 informace o konkr\u00e9tn\u00ed nab\u00eddce \u00fav\u011bru. Novela formul\u00e1\u0159 zp\u0159ehledn\u00ed a vy\u017eaduje, aby byly nejd\u016fle\u017eit\u011bj\u0161\u00ed \u00fadaje uvedeny na jeho za\u010d\u00e1tku. Pokud spot\u0159ebitel dostane p\u0159edsmluvn\u00ed informace m\u00e9n\u011b ne\u017e jeden den p\u0159ed uzav\u0159en\u00edm smlouvy, poskytovatel mu n\u00e1sledn\u011b mus\u00ed p\u0159ipomenout pr\u00e1vo odstoupit u \u00fav\u011bru jin\u00e9ho ne\u017e na bydlen\u00ed do 14 dn\u016f od uzav\u0159en\u00ed smlouvy a zp\u016fsob jeho uplatn\u011bn\u00ed.<\/p>\n

Reklama na b\u011b\u017en\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br m\u00e1 nov\u011b obsahovat varov\u00e1n\u00ed \u201ePozor! P\u016fj\u010dit si pen\u00edze stoj\u00ed pen\u00edze\u201c<\/em> nebo sd\u011blen\u00ed stejn\u00e9ho v\u00fdznamu. Nesm\u00ed tak\u00e9 vytv\u00e1\u0159et dojem, \u017ee \u00fav\u011br automaticky zlep\u0161\u00ed finan\u010dn\u00ed situaci nebo nahrad\u00ed \u00faspory.<\/p>\n

V\u011bt\u0161\u00ed ochrana u odlo\u017een\u00fdch plateb<\/strong><\/h6>\n

Novela pos\u00edl\u00ed ochranu tak\u00e9 u odlo\u017een\u00fdch plateb, jako je nap\u0159\u00edklad slu\u017eba Twisto nebo Skip Pay. Spot\u0159ebitelsk\u00fdm \u00fav\u011brem jsou zpravidla u\u017e dnes, na jejich bez\u00faro\u010dn\u00e9 a bezplatn\u00e9 varianty se v\u0161ak vztahuje jen omezen\u00e1 \u010d\u00e1st z\u00e1kona. Zjednodu\u0161en\u00fd re\u017eim z\u016fstane zachov\u00e1n u vybran\u00fdch kr\u00e1tk\u00fdch bezplatn\u00fdch odklad\u016f, kter\u00e9 poskytuje p\u0159\u00edmo prodejce.<\/p>\n

Spl\u00e1cen\u00ed jako d\u016fkaz \u00fav\u011bruschopnosti?<\/strong><\/h6>\n

Poskytovatel mus\u00ed ji\u017e dnes prov\u011b\u0159it, zda finan\u010dn\u00ed situace spot\u0159ebitele umo\u017e\u0148uje \u00fav\u011br \u0159\u00e1dn\u011b spl\u00e1cet. Novela ale zav\u00e1d\u00ed vyvratitelnou domn\u011bnku, podle n\u00ed\u017e byl spot\u0159ebitel \u00fav\u011bruschopn\u00fd, pokud \u00fav\u011br zcela splatil. U v\u011bt\u0161iny \u00fav\u011br\u016f na bydlen\u00ed se m\u00e1 domn\u011bnka uplatnit ji\u017e po osmn\u00e1cti m\u011bs\u00edc\u00edch \u0159\u00e1dn\u00e9ho spl\u00e1cen\u00ed.<\/p>\n

dTest upozor\u0148uje, \u017ee samotn\u00e9 spl\u00e1cen\u00ed nemus\u00ed dokazovat, \u017ee byl \u00fav\u011br p\u0159im\u011b\u0159en\u00fd mo\u017enostem spot\u0159ebitele. Ten mohl spl\u00e1cet dal\u0161\u00ed p\u016fj\u010dkou, s pomoc\u00ed rodiny nebo na \u00fakor z\u00e1kladn\u00edch pot\u0159eb. Splacen\u00fd \u00fav\u011br bude mo\u017en\u00e9 nad\u00e1le napadnout, spot\u0159ebitel v\u0161ak nov\u011b bude muset domn\u011bnku vyvr\u00e1tit a dolo\u017eit, \u017ee jeho tehdej\u0161\u00ed finan\u010dn\u00ed situace \u0159\u00e1dn\u00e9 spl\u00e1cen\u00ed neumo\u017e\u0148ovala. Jeho d\u016fkazn\u00ed postaven\u00ed se tak m\u016f\u017ee zhor\u0161it.<\/p>\n

Pozitivn\u00ed zm\u011bnou je pak pr\u00e1vo na srozumiteln\u00e9 vysv\u011btlen\u00ed a p\u0159ezkoum\u00e1n\u00ed \u010dlov\u011bkem, pokud byla \u00fav\u011bruschopnost posouzena automatizovan\u00fdm syst\u00e9mem, nap\u0159\u00edklad na z\u00e1klad\u011b p\u0159\u00edjm\u016f, v\u00fddaj\u016f a \u00fadaj\u016f z \u00fav\u011brov\u00fdch registr\u016f.<\/p>\n

Pomoc v pot\u00ed\u017e\u00edch<\/strong><\/h6>\n

Novela d\u00e1le po\u010d\u00edt\u00e1 s t\u00edm, \u017ee v\u011b\u0159itel m\u00e1 ve vhodn\u00fdch p\u0159\u00edpadech p\u0159ed zah\u00e1jen\u00edm vym\u00e1h\u00e1n\u00ed nab\u00eddnout \u0159e\u0161en\u00ed odpov\u00eddaj\u00edc\u00ed situaci spot\u0159ebitele. M\u016f\u017ee j\u00edt nap\u0159\u00edklad o odklad spl\u00e1tky nebo prodlou\u017een\u00ed doby spl\u00e1cen\u00ed. Spot\u0159ebitele ve finan\u010dn\u00edch pot\u00ed\u017e\u00edch m\u00e1 z\u00e1rove\u0148 odk\u00e1zat na dostupn\u00e9 dluhov\u00e9 poradenstv\u00ed.<\/p>\n

dTest doporu\u010duje \u0159e\u0161it pot\u00ed\u017ee hned, jakmile je z\u0159ejm\u00e9, \u017ee dal\u0161\u00ed spl\u00e1tka nebude zvl\u00e1dnuteln\u00e1. Dal\u0161\u00ed rychl\u00e1 p\u016fj\u010dka na zaplacen\u00ed p\u0159edchoz\u00edho dluhu \u010dasto probl\u00e9m pouze odlo\u017e\u00ed a prodra\u017e\u00ed. V p\u0159\u00edpad\u011b finan\u010dn\u00ed t\u00edsn\u011b se obra\u0165te na nez\u00e1vislou dluhovou poradnu. M\u00e1te-li podez\u0159en\u00ed, \u017ee jste sjednali pochybn\u00fd \u00fav\u011br, pomoci v\u00e1m m\u016f\u017ee advok\u00e1t nebo spot\u0159ebitelsk\u00e1 poradna dTestu. Nov\u00e1 pravidla ochranu pos\u00edl\u00ed, obez\u0159etnost p\u0159i v\u00fdb\u011bru \u00fav\u011bru ale nenahrad\u00ed.<\/p>\n

 <\/p>\n

    \n
  • dTest, o.p.s.,<\/strong> je nejv\u011bt\u0161\u00ed \u010deskou spot\u0159ebitelskou organizac\u00ed, kter\u00e1 v\u00a0\u010cR p\u016fsob\u00ed ji\u017e od roku 1992. Je vydavatelem spot\u0159ebitelsk\u00e9ho \u010dasopisu dTest, na jeho\u017e str\u00e1nk\u00e1ch jsou publikov\u00e1ny v\u00fdsledky nez\u00e1visl\u00fdch a objektivn\u00edch test\u016f produkt\u016f, varov\u00e1n\u00ed p\u0159ed nebezpe\u010dn\u00fdmi a zdravotn\u011b z\u00e1vadn\u00fdmi v\u00fdrobky, informace o spot\u0159ebitelsk\u00fdch pr\u00e1vech a rady, jak tato pr\u00e1va \u00fa\u010dinn\u011b uplat\u0148ovat. dTest je sou\u010d\u00e1st\u00ed mezin\u00e1rodn\u00ed organizace International Consumer Research and Testing (ICRT) a\u00a0evropsk\u00e9 spot\u0159ebitelsk\u00e9 organizace BEUC.<\/em><\/sub><\/li>\n
  • Poradensk\u00e1 linka \u010dasopisu dTest \u2013<\/strong> 299 149\u00a0009 \u2013 je v\u00a0provozu ka\u017ed\u00fd pracovn\u00ed den od 9 do 17 hodin a spot\u0159ebitel\u00e9 na n\u00ed mohou konzultovat s\u00a0pr\u00e1vn\u00edmi poradci dTestu nejr\u016fzn\u011bj\u0161\u00ed spot\u0159ebitelsk\u00e9 probl\u00e9my, a to za cenu b\u011b\u017en\u00e9ho tarifu vol\u00e1n\u00ed. Od spu\u0161t\u011bn\u00ed v\u00a0roce 2010 t\u00e9to mo\u017enosti vyu\u017eily ji\u017e desetitis\u00edce spot\u0159ebitel\u016f a poradensk\u00e1 linka \u010dasopisu dTest se tak stala prvn\u00ed a nejvyhled\u00e1van\u011bj\u0161\u00ed cestou k\u00a0\u0159e\u0161en\u00ed pot\u00ed\u017e\u00ed, se kter\u00fdmi se z\u00e1kazn\u00edci na trhu setk\u00e1vaj\u00ed.<\/em><\/sub><\/li>\n<\/ul>\n

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

    \n

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

    Prezident podepsal <\/p>\n","protected":false},"author":2,"featured_media":390531,"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\/2026\/11\/10\/ram-dtest-1.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/390529"}],"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=390529"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/390529\/revisions"}],"predecessor-version":[{"id":390532,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/390529\/revisions\/390532"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/390531"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=390529"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=390529"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=390529"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}