{"id":170,"date":"2018-10-05T12:05:27","date_gmt":"2018-10-05T12:05:27","guid":{"rendered":"http:\/\/loanstar.com\/cz\/?page_id=170"},"modified":"2019-07-18T11:04:53","modified_gmt":"2019-07-18T09:04:53","slug":"spotrebitelsky-uver","status":"publish","type":"page","link":"https:\/\/loanstar.com\/cz\/pujcky\/spotrebitelsky-uver\/","title":{"rendered":"Spot\u0159ebitelsk\u00fd \u00fav\u011br"},"content":{"rendered":"<h2>Jak dos\u00e1hnout na ide\u00e1ln\u00ed spot\u0159ebitelsk\u00fd \u00fav\u011br<\/h2>\n<p>V dne\u0161n\u00ed dob\u011b, si m\u016f\u017eete objednat v podstat\u011b cokoliv chytr\u00fdm telefonem. Lze m\u00edt online osobn\u00edho tren\u00e9ra, vyfotit obsah lednice a nechat si od chytr\u00e9 aplikace poradit, co uva\u0159it k ve\u010de\u0159i. Vzhledem k technick\u00e9mu pokroku a modern\u00ed dob\u011b by v\u00e1s asi p\u0159ekvapila nutnost absolvovat dlouh\u00e9 diskuze s bank\u00e9\u0159i a vypl\u0148ovat stohy formul\u00e1\u0159\u016f proto, abyste z\u00edskali mal\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br.<\/p>\n<p><img decoding=\"async\" class=\"alignright size-full wp-image-207\" src=\"http:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2018\/11\/online_loans_1.svg\" alt=\"\" width=\"312\" \/>Samoz\u0159ejm\u011b, \u017ee to tak nen\u00ed. Internet dnes vyu\u017e\u00edv\u00e1 t\u00e9m\u011b\u0159 naprost\u00e1 v\u011bt\u0161ina bank i nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 spole\u010dn\u011b nab\u00edz\u00ed stovky finan\u010dn\u00edch produkt\u016f online. Tak\u017ee jedin\u00e9, co v\u00e1m m\u016f\u017ee komplikovat za\u0159\u00edzen\u00ed p\u016fj\u010dky online je p\u0159ehr\u0161el nab\u00eddek, ze kter\u00fdch si mus\u00edte vybrat jednu jedinou. V dal\u0161\u00edm textu si pov\u00edme, jak naj\u00edt levn\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br, kter\u00fd vyhov\u00ed pr\u00e1v\u011b va\u0161im pot\u0159eb\u00e1m. Tak\u00e9 si podrobn\u011b vysv\u011btl\u00edme na co je t\u0159eba d\u00e1vat p\u0159i v\u00fdb\u011bru spot\u0159ebitelsk\u00e9ho \u00fav\u011bru pozor.<\/p>\n<h2>\u00dav\u011br \u0161it\u00fd na m\u00edru spot\u0159ebitel\u016fm<\/h2>\n<p>Pot\u0159eby, sny, touhy\u2026 d\u0159\u00edve nebo pozd\u011bji se v \u017eivot\u011b ka\u017ed\u00e9ho z n\u00e1s objev\u00ed moment, kdy pot\u0159ebujeme n\u011bkolik tis\u00edc korun, abychom se dostali z m\u00edsta nebo realizovali na\u0161e \u017eivotn\u00ed sny. Pokud to v pomysln\u00e9m pras\u00e1tku zeje pr\u00e1zdnotou, nezb\u00fdv\u00e1 n\u00e1m ne\u017e se obr\u00e1tit na d\u016fv\u011bryhodnou instituci a pot\u0159ebn\u00e9 finan\u010dn\u00ed prost\u0159edky si zap\u016fj\u010dit. A k tomu pr\u00e1v\u011b slou\u017e\u00ed spot\u0159ebitelsk\u00fd \u00fav\u011br, kter\u00fd je ur\u010den k n\u00e1kupu jak\u00e9hokoliv spot\u0159ebn\u00edho zbo\u017e\u00ed nebo slu\u017eeb. Jinak \u0159e\u010deno je \u00fav\u011br poskytov\u00e1n osobou s nadbytkem finan\u010dn\u00edch prost\u0159edk\u016f a touhou po jejich zhodnocen\u00ed jin\u00e9 osob\u011b, kter\u00e1 v konkr\u00e9tn\u00ed \u017eivotn\u00ed situaci poci\u0165uje naopak nedostatek pen\u011bz a pova\u017euje za nutn\u00e9 si je opat\u0159it.<\/p>\n<h2>V \u010dem je spot\u0159ebitelsk\u00fd \u00fav\u011br speci\u00e1ln\u00ed?<\/h2>\n<p>Spot\u0159ebitelsk\u00fd \u00fav\u011br je takov\u00fd \u00fav\u011br, kter\u00fd si <strong>NEPO\u0158IZUJETE<\/strong>\u00a0za \u00fa\u010delem p\u0159estavby, rekonstrukce \u010di koup\u011b nemovitosti (k tomu slou\u017e\u00ed jin\u00fd produkt &#8211; <a href=\"http:\/\/loanstar.com\/cz\/pujcky\/hypoteky\/\">hypote\u010dn\u00ed \u00fav\u011bry<\/a>). V\u00fd\u0161e spot\u0159ebitelsk\u00e9ho \u00fav\u011bru se obvykle pohybuje mezi 5.000 a 800.000 K\u010d. Jedn\u00e1 se zpravidla o \u00fav\u011br bez\u00fa\u010delov\u00fd \u2014 velk\u00e1 v\u011bt\u0161ina poskytovatel\u016f se nept\u00e1 na to, k jak\u00e9mu \u00fa\u010delu chcete vyp\u016fj\u010den\u00e9 pen\u011b\u017en\u00ed prost\u0159edky pou\u017e\u00edt. Je tak\u00e9 nezaji\u0161t\u011bn\u00fd, tak\u017ee za n\u011bj nemus\u00edte ru\u010dit movit\u00fdm nebo nemovit\u00fdm majetkem.<\/p>\n<p><img decoding=\"async\" class=\"alignleft size-full wp-image-151\" src=\"http:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2018\/10\/ill_gen_4-1.svg\" alt=\"\" width=\"312\" \/>O spot\u0159ebitelsk\u00e9 \u00fav\u011bry si m\u016f\u017eete po\u017e\u00e1dat v bance nebo si vybrat n\u011bkterou z nebankovn\u00edch instituc\u00ed, kter\u00e9 nab\u00edz\u00ed finan\u010dn\u00ed produkty na \u010desk\u00e9m trhu. Zda zvol\u00edte jednu nebo druhou mo\u017enost z\u00e1le\u017e\u00ed na va\u0161ich preferenc\u00edch a na osobn\u00ed situaci.<\/p>\n<p>Banky zpravidla poskytuj\u00ed spot\u0159ebitelsk\u00e9 \u00fav\u011bry za ni\u017e\u0161\u00ed \u00farok (<strong>typicky mezi 4 a\u017e 15 %<\/strong>), ale mohou m\u00edt p\u0159\u00edsn\u011bj\u0161\u00ed po\u017eadavky na va\u0161i \u00fav\u011bruschopnost. Na druhou stranu nebankovn\u00ed spole\u010dnosti poskytnou spot\u0159ebitelsk\u00fd \u00fav\u011br i lidem s ni\u017e\u0161\u00edmi p\u0159\u00edjmy, pop\u0159\u00edpad\u011b s dluhy, ale ti v tom p\u0159\u00edpad\u011b mus\u00ed po\u010d\u00edtat s vysok\u00fdm \u00farokem. \u00daroky velk\u00fdch nebankovn\u00edch spole\u010dnost\u00ed, jako je nap\u0159\u00edklad Ferratum, Provident nebo \u010cesk\u00fd Triangl, se pohybuj\u00ed <strong>mezi 4 a 40 %<\/strong>.<\/p>\n<h3>Co je to \u00fav\u011bruschopnost a jak ovliv\u0148uje va\u0161e \u0161ance na z\u00edsk\u00e1n\u00ed p\u016fj\u010dky?<\/h3>\n<p>Vysv\u011btleme si nyn\u00ed podrobn\u011bji prvn\u00ed z d\u016fle\u017eit\u00fdch pojm\u016f, se kter\u00fdm se m\u016f\u017eete p\u0159i hled\u00e1n\u00ed va\u0161eho spot\u0159ebitelsk\u00e9ho \u00fav\u011bru setkat. \u00dav\u011bruschopnost je schopnost \u017eadatele o p\u016fj\u010dku splatit v dan\u00e9 v\u00fd\u0161i a dohodnut\u00e9m term\u00ednu sv\u00e9 z\u00e1vazky. Ve velk\u00e9 m\u00ed\u0159e tak\u00e9 rozhoduje o tom, zda poskytovatel va\u0161i p\u016fj\u010dku schv\u00e1l\u00ed nebo zam\u00edtne. Chr\u00e1n\u00ed tak jak sv\u00e9 z\u00e1jmy, tak z\u00e1jmy \u017eadatele, kter\u00e9ho by nezodpov\u011bdn\u011b poskytnut\u00e1 p\u016fj\u010dka mohla dostat do dal\u0161\u00edch finan\u010dn\u00edch probl\u00e9m\u016f. Jak se \u00fav\u011bruschopnost posuzuje?<\/p>\n<p>V r\u00e1mci tzv. prescoringu poskytovatel p\u016fj\u010dky posuzuje, zda se rozhodne p\u016fj\u010dku schv\u00e1lit a za jak\u00fdch podm\u00ednek \u2014 tedy rozhoduje o v\u00fd\u0161i \u00faroku a dob\u011b splatnosti. V prv\u00e9 \u0159ad\u011b zpravidla nahl\u00e9dne do <a href=\"https:\/\/www.centralniregistrdluzniku.cz\/\" target=\"_blank\" rel=\"noopener noreferrer\">registru dlu\u017en\u00edk\u016f<\/a>. Pokud banka v tento okam\u017eik najde v registru z\u00e1znam o nespl\u00e1cen\u00fdch z\u00e1vazc\u00edch, p\u016fj\u010dku v\u011bt\u0161inou automaticky zam\u00edtne. N\u011bkter\u00e9 nebankovn\u00ed instituce mohou spot\u0159ebitelsk\u00fd \u00fav\u011br schv\u00e1lit i \u017eadatel\u016fm s takov\u00fdm z\u00e1znamem v registru, ale v tom p\u0159\u00edpad\u011b logicky po\u017eaduj\u00ed vy\u0161\u0161\u00ed \u00farok. <strong>D\u00e1le se pod\u00edvaj\u00ed na p\u0159\u00edjmy a v\u00fddaje va\u0161\u00ed dom\u00e1cnosti<\/strong>. M\u00e1te dlouhodob\u011b stabiln\u00ed p\u0159\u00edjmy? Plat\u00edte sv\u00e9 z\u00e1vazky v\u010das? Kolik m\u011bs\u00ed\u010dn\u011b vyd\u00e1te na provoz va\u0161\u00ed dom\u00e1cnosti? V\u0161echny tyto \u00fadaje o va\u0161em finan\u010dn\u00edm hospod\u00e1\u0159stv\u00ed hraj\u00ed v prescoringu roli.<\/p>\n<h2>Mohu spot\u0159ebitelsk\u00fd \u00fav\u011br z\u00edskat?<\/h2>\n<p>Pokud \u010dtete tento \u010dl\u00e1nek, ur\u010dit\u011b v\u00e1s ze v\u0161eho nejv\u00edc zaj\u00edm\u00e1, zda m\u016f\u017eete spot\u0159ebitelsk\u00fd \u00fav\u011br z\u00edskat a v jak\u00e9 v\u00fd\u0161i. Pod\u00edvejme se nejprve na v\u0161eobecn\u00e9 podm\u00ednky, kter\u00e9 mus\u00edte spl\u0148ovat, abyste o tento typ p\u016fj\u010dky mohli po\u017e\u00e1dat.<\/p>\n<h3>Spot\u0159ebitelsk\u00fd \u00fav\u011br \u2014 v\u0161eobecn\u00e9 podm\u00ednky<\/h3>\n<p>Ka\u017ed\u00fd \u017eadatel mus\u00ed b\u00fdt minim\u00e1ln\u011b plnolet\u00fd, ale mnoho finan\u010dn\u00edch instituc\u00ed po\u017eaduje minim\u00e1ln\u00ed v\u011bk 21 let. D\u016fvodem je op\u011bt p\u0159edpoklad, \u017ee v dob\u011b plnoletosti nem\u00e1 \u017eadatel je\u0161t\u011b stabiln\u00ed p\u0159\u00edjmy v rozumn\u00e9 v\u00fd\u0161i, kter\u00fdch v\u011bt\u0161ina z n\u00e1s dosahuje a\u017e v pozd\u011bj\u0161\u00edm v\u011bku. D\u00e1le je v\u011bt\u0161inou t\u0159eba m\u00edt \u010desk\u00e9 ob\u010danstv\u00ed a vlastn\u00ed \u00fa\u010det v bance.<\/p>\n<h3>Spot\u0159ebitelsk\u00fd \u00fav\u011br \u2014 dal\u0161\u00ed podm\u00ednky schv\u00e1len\u00ed \u00fav\u011bru<\/h3>\n<p><img decoding=\"async\" class=\"alignright size-full wp-image-93\" src=\"http:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2018\/10\/ill_body_18.svg\" alt=\"\" width=\"312\" \/>V\u0161echny banky a \u010d\u00e1st nebankovn\u00edch spole\u010dnost\u00ed po\u017eaduj\u00ed, aby \u017eadatel nem\u011bl <strong>\u017d\u00c1DN\u00dd<\/strong> negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f &#8211; tedy \u017ee m\u00e1 \u00fav\u011br, kde je pozadu se spl\u00e1cen\u00edm. Jak jsme ji\u017e zm\u00ednili v\u00fd\u0161e, n\u011bkte\u0159\u00ed nebankovn\u00ed poskytovatel\u00e9 p\u016fj\u010d\u00ed finan\u010dn\u00ed prost\u0159edky i takov\u00fdm dlu\u017en\u00edk\u016fm. Ale samoz\u0159ejm\u011b budou z d\u016fvodu vy\u0161\u0161\u00edho rizika nespl\u00e1cen\u00ed po\u017eadovat vysok\u00fd \u00farok.<\/p>\n<p><strong>Nezapome\u0148te pros\u00edm, \u017ee \u0159e\u0161it spl\u00e1cen\u00ed st\u00e1vaj\u00edc\u00ed p\u016fj\u010dky novou p\u016fj\u010dkou nen\u00ed ten nejlep\u0161\u00ed n\u00e1pad!<\/strong> D\u00e1le hraj\u00ed v\u00fdznamnou roli p\u0159\u00edjmy va\u0161\u00ed dom\u00e1cnosti. M\u00e1te-li stabiln\u00ed plat jako zam\u011bstnanec a \u017e\u00e1dn\u00e9 z\u00e1znamy o dluz\u00edch z minulosti, va\u0161e \u017e\u00e1dost bude s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed bez probl\u00e9m\u016f schv\u00e1lena, a to s p\u0159ijateln\u00fdm \u00farokem a rozumnou dobou splatnosti.<\/p>\n<p>Jakkoliv se to m\u016f\u017ee zd\u00e1t nespravedliv\u00e9, jste-li osoba samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e1 (OSV\u010c), banky a n\u011bkter\u00e9 nebankovn\u00ed spole\u010dnosti se budou zdr\u00e1hat v\u00e1m p\u016fj\u010dku poskytnout. Na druhou stranu ale existuje speci\u00e1ln\u00ed kategorie produkt\u016f ur\u010den\u00fdch p\u0159\u00edmo pro tento p\u0159\u00edpad &#8211; <a href=\"http:\/\/loanstar.com\/cz\/pujcky\/pro-osvc\/\">p\u016fj\u010dky pro OSV\u010c<\/a>. Podobn\u011b mohou na neochotu poskytovatel\u016f p\u016fj\u010dek narazit tak\u00e9 lid\u00e9 na mate\u0159sk\u00e9 dovolen\u00e9, nezam\u011bstnan\u00ed, d\u016fchodci nebo zam\u011bstnanci s minim\u00e1ln\u00edm platem. Pat\u0159\u00edte-li do jedn\u00e9 z t\u011bchto skupin, doporu\u010dujeme v\u00e1m \u017e\u00e1dat pouze o nejmen\u0161\u00ed mo\u017enou \u010d\u00e1stku a p\u016fj\u010dku s dlouhodobou splatnost\u00ed.<\/p>\n<h2>Kdy si vz\u00edt spot\u0159ebitelsk\u00fd \u00fav\u011br?<\/h2>\n<p>Nyn\u00ed u\u017e v\u00edte, co je to spot\u0159ebitelsk\u00fd \u00fav\u011br a ur\u010dit\u011b m\u00e1te jasnou p\u0159edstavu, zda spl\u0148ujete podm\u00ednky pro jeho z\u00edsk\u00e1n\u00ed. Kdy se v\u00e1m ale vyplat\u00ed o n\u011bj po\u017e\u00e1dat? <strong>Spot\u0159ebitelsk\u00fd \u00fav\u011br v\u00e1s m\u016f\u017ee dostat z nejedn\u00e9 nep\u0159\u00edjemn\u00e9 situace.<\/strong> Nap\u0159\u00edklad pokud se v\u00e1m rozbije pra\u010dka, spor\u00e1k nebo v\u00e1m doslou\u017e\u00ed po\u010d\u00edta\u010d. D\u00edky \u00fav\u011bru si m\u016f\u017eete dovolit v\u00e1\u0161 spot\u0159ebi\u010d opravit nebo po\u0159\u00eddit nov\u00fd a n\u00e1klady si postupn\u011b rozlo\u017e\u00edte na n\u011bkolik m\u011bs\u00edc\u016f nebo dokonce let. Spot\u0159ebitelsk\u00fd \u00fav\u011br v\u00e1m tak\u00e9 m\u016f\u017ee pomoci zaplatit vysn\u011bnou dovolenou, proto\u017ee ur\u010dit\u00e9 v\u011bci v \u017eivot\u011b si mo\u017en\u00e1 chcete u\u017e\u00edt u\u017e te\u010f a ne\u010dekat, a\u017e to jednou p\u016fjde. V ka\u017ed\u00e9m p\u0159\u00edpad\u011b ale mus\u00edte b\u00fdt p\u0159ipraveni, \u017ee v\u00e1m ka\u017ed\u00fd m\u011bs\u00edc po dobu splatnosti bude z \u00fa\u010dtu odch\u00e1zet spl\u00e1tka. Z\u016fstane v\u00e1m pak na \u00fa\u010dt\u011b dostatek financ\u00ed na b\u011b\u017en\u00e9 n\u00e1klady a v\u00fddaje v dom\u00e1cnosti?<\/p>\n<h2>Kter\u00fdm spole\u010dnostem mohu v\u011b\u0159it?<\/h2>\n<p><img decoding=\"async\" class=\"alignleft size-full wp-image-203\" src=\"http:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2018\/11\/credit_redemption_button.svg\" alt=\"\" width=\"312\" \/>Reklamy na rychl\u00e9 p\u016fj\u010dky a v\u00fdhodn\u00e9 spot\u0159ebitelsk\u00e9 \u00fav\u011bry se na n\u00e1s hrnou v\u00edce \u010di m\u00e9n\u011b ze v\u0161ech stran. Plak\u00e1ty na ulic\u00edch, reklamy na internetu a blikaj\u00edc\u00ed bannery na obrazovk\u00e1ch mobiln\u00edch telefon\u016f v\u00e1s p\u0159esv\u011bd\u010duj\u00ed o tom, \u017ee p\u016fj\u010dka je na dosah ruky! Sta\u010d\u00ed kliknout \u010di zavolat. Navzdory v\u011bt\u0161\u00ed regulaci z\u00e1kona o ochran\u011b spot\u0159ebitel\u016f existuje st\u00e1le \u0159ada lichv\u00e1\u0159\u016f, kte\u0159\u00ed v\u00e1m nab\u00eddnou p\u016fj\u010dku v jak\u00e9koli v\u00fd\u0161i. A to rychle, bez probl\u00e9m\u016f, ale za extr\u00e9mn\u011b nev\u00fdhodn\u00fdch podm\u00ednek. Proto nikdy nepodlehn\u011bte impulzivn\u00edmu n\u00e1padu vz\u00edt si spot\u0159ebitelsk\u00fd \u00fav\u011br hned, rychle a bez prov\u011b\u0159ov\u00e1n\u00ed podm\u00ednek.<\/p>\n<p><strong>Myslete na sv\u00e9 du\u0161evn\u00ed zdrav\u00ed, vyb\u00edrejte svou spot\u0159ebitelskou p\u016fj\u010dku pe\u010dliv\u011b!<\/strong><\/p>\n<h3>Jak se srovn\u00e1vaj\u00ed spot\u0159ebitelsk\u00e9 \u00fav\u011bry?<\/h3>\n<p>Spot\u0159ebitelsk\u00fd \u00fav\u011br m\u016f\u017eete z\u00edskat bu\u010f od banky, tedy instituce, kter\u00e1 podl\u00e9h\u00e1 p\u0159\u00edsn\u00fdm podm\u00ednk\u00e1m sv\u00e9 bankovn\u00ed licence. Anebo od nebankovn\u00ed spole\u010dnosti, kter\u00e1 si m\u016f\u017ee nastavit pravidla pon\u011bkud voln\u011bji (ale st\u00e1le v souladu s p\u0159\u00edslu\u0161n\u00fdm z\u00e1konem). Krom\u011b toho, \u017ee schv\u00e1l\u00ed \u00fav\u011br i lidem s ni\u017e\u0161\u00edmi p\u0159\u00edjmy nebo dokonce z\u00e1znamem v registru dlu\u017en\u00edk\u016f, m\u016f\u017ee b\u00fdt tak\u00e9 lecjak\u00e1 nebankovn\u00ed instituce ochotna poskytnout i p\u016fj\u010dku v hodnot\u011b p\u016fl milionu korun pouze na z\u00e1klad\u011b \u017e\u00e1dosti podan\u00e9 online. Krom\u011b typu finan\u010dn\u00ed instituce je t\u0159eba sledovat v\u00fd\u0161i \u00faroku a zejm\u00e9na ukazatel <a href=\"http:\/\/www.cnb.cz\/cs\/spotrebitel\/ochrana_spotrebitele\/rpsn.html\" target=\"_blank\" rel=\"noopener noreferrer\">RPSN<\/a> dan\u00e9ho spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. Tak\u00e9 <strong>je vhodn\u00e9 p\u0159e\u010d\u00edst si recenze klient\u016f<\/strong>.<\/p>\n<p>Spot\u0159ebitelsk\u00e9 \u00fav\u011bry srovn\u00e1vejte na z\u00e1klad\u011b n\u00e1sleduj\u00edc\u00edch ukazatel\u016f:<\/p>\n<ul>\n<li><strong>\u00darok<\/strong> p\u0159edstavuje cenu \u00fav\u011bru, o kter\u00fd svou p\u016fj\u010dku p\u0159eplat\u00edte, a z\u00e1rove\u0148 v\u00fdnos v\u011b\u0159itele.<\/li>\n<li><strong>Spl\u00e1tka \u00fav\u011bru<\/strong> je \u010d\u00e1stka, kterou jste povinni ka\u017ed\u00fd m\u011bs\u00edc poslat v\u011b\u0159iteli tak, aby se objevila na jeho \u00fa\u010dt\u011b v dohodnut\u00fd den splatnosti.<\/li>\n<li><a href=\"http:\/\/www.cnb.cz\/cs\/spotrebitel\/ochrana_spotrebitele\/rpsn.html\" target=\"_blank\" rel=\"noopener noreferrer\">RPSN<\/a> je ukazatel, kter\u00fd mus\u00ed ka\u017ed\u00fd poskytovatel \u00fav\u011bru povinn\u011b sd\u011blovat sv\u00fdm klient\u016fm i z\u00e1jemc\u016fm o p\u016fj\u010dku. P\u0159edstavuje ve\u0161ker\u00e9 n\u00e1klady spojen\u00e9 s \u00fav\u011brem, kter\u00e9 za \u00fav\u011br zaplat\u00edte. Je to tak\u00e9 nejlep\u0161\u00ed zp\u016fsob, jak srovn\u00e1vat jednotliv\u00e9 \u00fav\u011bry, proto\u017ee bere v potaz \u010d\u00e1stku \u00fav\u011bru, v\u00fd\u0161e jednotliv\u00fdch spl\u00e1tek, v\u0161ech poplatk\u016f a plateb spojen\u00fdch s veden\u00edm \u00fav\u011bru i jeho splatnost.<\/li>\n<li><strong>Recenze klient\u016f<\/strong> m\u016f\u017eete konzultovat p\u0159\u00edmo v na\u0161em srovn\u00e1va\u010di. Nem\u016f\u017eete-li se rozhodnout mezi dv\u011bma nab\u00eddkami, recenze klient\u016f a jejich osobn\u00ed zku\u0161enosti s danou spole\u010dnost\u00ed v\u00e1m s v\u00fdb\u011brem pomohou.<\/li>\n<\/ul>\n<h2>Jak\u00e1 jsou moje pr\u00e1va jako spot\u0159ebitele?<\/h2>\n<p>Mo\u017en\u00e1 m\u00e1te pocit, \u017ee jako spot\u0159ebitel m\u00e1te pouze povinnosti a v\u00fdhody si u\u017e\u00edv\u00e1 pouze v\u011b\u0159itel. Novely z\u00e1kon\u016f se postaraly o to, aby i spot\u0159ebitel m\u011bl ve sjednan\u00e9 dohod\u011b o spot\u0159ebitelsk\u00e9m \u00fav\u011bru ur\u010dit\u00e9 v\u00fdhody na sv\u00e9 stran\u011b. O jak\u00e9 v\u00fdhody se jedn\u00e1?<\/p>\n<ul>\n<li>Pr\u00e1vo <strong>odstoupit od smlouvy do 14 kalend\u00e1\u0159n\u00edch dn\u016f od okam\u017eiku uzav\u0159en\u00ed smlouvy o spot\u0159ebitelsk\u00e9m \u00fav\u011bru. <\/strong>Jak to funguje? Pot\u0159ebujete koupit nov\u00fd spot\u0159ebi\u010d nebo se objev\u00ed v\u00fdhodn\u00e1 nab\u00eddka ke koupi a vy se rozhodnete vz\u00edt si \u00fav\u011br. Ale za p\u00e1r dn\u00ed sv\u00e9ho rozhodnut\u00ed za\u010dnete litovat. \u017d\u00e1dn\u00fd stres. Nyn\u00ed m\u016f\u017eete od smlouvy ve zm\u00edn\u011bn\u00e9 lh\u016ft\u011b odstoupit, ani\u017e byste platili jak\u00e9koli sankce.<\/li>\n<li>Pr\u00e1vo <strong>\u00fav\u011br p\u0159ed\u010dasn\u011b splatit<\/strong> \u2014 n\u011bkte\u0159\u00ed v\u011b\u0159itel\u00e9 neumo\u017e\u0148ovali p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru. Nyn\u00ed maj\u00ed povinnost p\u0159ed\u010dasn\u00e9 splacen\u00ed p\u0159ijmout a \u00fa\u010dtovat v\u00e1m pouze n\u00e1hradu n\u00e1klad\u016f, kter\u00e9 jsou spojen\u00e9 s administrativn\u00edm vy\u0159e\u0161en\u00edm uzav\u0159en\u00ed smlouvy p\u0159ed dohodnut\u00fdm datem splatnosti.<\/li>\n<li>V\u011b\u0159itel je povinen s v\u00e1mi uzav\u0159\u00edt <strong>p\u00edsemnou smlouvu<\/strong> o spot\u0159ebitelsk\u00e9m \u00fav\u011bru.<\/li>\n<li>P\u0159i jedn\u00e1n\u00ed o \u00fav\u011bru nesm\u00ed v\u011b\u0159itel pou\u017e\u00edvat telefonn\u00ed \u010d\u00edslo s vy\u0161\u0161\u00ed ne\u017e b\u011b\u017enou sazbou hovoru.<\/li>\n<li>M\u00e1te pr\u00e1vo spl\u00e1cet bezhotovostn\u011b, v\u011b\u0159itel by nem\u011bl po\u017eadovat ani sm\u011bnky ani \u0161eky.<\/li>\n<\/ul>\n<h2>Jak spr\u00e1vn\u011b spravovat sv\u016fj spot\u0159ebitelsk\u00fd \u00fav\u011br?<\/h2>\n<p>\u0158ekn\u011bme, \u017ee jste si pe\u010dliv\u011b pro\u0161li nab\u00eddky spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f a vybrali jste si takov\u00fd, kter\u00fd je pro v\u00e1s nejv\u00fdhodn\u011bj\u0161\u00ed. Pokud v\u00e1m k tomu dob\u0159e poslou\u017eil n\u00e1\u0161 srovn\u00e1va\u010d, t\u00edm l\u00e9pe. Vyp\u016fj\u010den\u00e9 pen\u00edze jste pou\u017eili na zam\u00fd\u0161len\u00fd \u00fa\u010del a nyn\u00ed je na \u010dase \u00fav\u011br postupn\u011b a pravideln\u011b spl\u00e1cet. <strong>Zde je p\u00e1r tip\u016f, jak se vyhnout probl\u00e9m\u016fm se spl\u00e1cen\u00edm:<\/strong><\/p>\n<p><img decoding=\"async\" class=\"alignleft size-full wp-image-202\" src=\"http:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2018\/11\/credit_redemption_2.svg\" alt=\"\" width=\"312\" \/>Spl\u00e1tka se mus\u00ed na \u00fa\u010dt\u011b v\u011b\u0159itele objevit <strong>v\u010das<\/strong>. P\u0159evod mezi tuzemsk\u00fdmi \u00fa\u010dty zpravidla trv\u00e1 dva pracovn\u00ed dny. Proto je lep\u0161\u00ed nastavit si ve sv\u00e9m internetov\u00e9m bankovnictv\u00ed trval\u00fd p\u0159\u00edkaz minim\u00e1ln\u011b 2 a\u017e 3 dny p\u0159ed dan\u00fdm datem splatnosti. Pen\u00edze se tedy budou z va\u0161eho \u00fa\u010dtu zas\u00edlat automaticky. Probl\u00e9m by nastal jen tehdy, nebudete-li m\u00edt v dan\u00fd den na \u00fa\u010dt\u011b dostate\u010dn\u00fd z\u016fstatek. D\u00e1vejte si na to pozor a vyzna\u010dte si dan\u00fd den pe\u010dliv\u011b v kalend\u00e1\u0159i (i digit\u00e1ln\u00edm). Jak se den splatnosti bl\u00ed\u017e\u00ed, hl\u00eddejte si va\u0161i \u00fatratu a dal\u0161\u00ed n\u00e1klady. Nezapome\u0148te, \u017ee n\u011bkdy je t\u00e9\u017e t\u0159eba zaplatit r\u016fzn\u00e9 poplatky za veden\u00ed \u00fa\u010dtu. Informace o poplatc\u00edch by m\u011bla b\u00fdt uvedena ve spl\u00e1tkov\u00e9m kalend\u00e1\u0159i, kter\u00fd v\u00e1m poskytne v\u00e1\u0161 v\u011b\u0159itel. Pe\u010dliv\u011b si ho uschovejte!<\/p>\n<p>Pokud nastane situace, \u017ee <strong>nem\u016f\u017eete spl\u00e1tku zaslat, okam\u017eit\u011b informujte v\u011b\u0159itele<\/strong>. M\u016f\u017eete zkusit po\u017e\u00e1dat o sn\u00ed\u017een\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky a\/nebo prodlou\u017een\u00ed \u00fav\u011bru. Informujte se o mo\u017enosti refinancov\u00e1n\u00ed nebo konsolidace. Pokud se ozvete v\u010das, v\u017edy lze nal\u00e9zt \u0159e\u0161en\u00ed.<\/p>\n<h2>Vyu\u017e\u00edt, ale nep\u0159eh\u00e1n\u011bt<\/h2>\n<p>Spot\u0159ebitelsk\u00fd \u00fav\u011br je skv\u011bl\u00fd produkt, d\u00edky kter\u00e9mu si m\u016f\u017eete dop\u0159\u00e1t v\u011bci, na kter\u00e9 byste jinak museli \u0161et\u0159it roky. P\u0159esto je t\u0159eba to s \u00fav\u011bry (ostatn\u011b jako s ka\u017edou dobrou v\u011bc\u00ed v \u017eivot\u011b) p\u0159\u00edli\u0161 nep\u0159eh\u00e1n\u011bt. <strong>Rozhodujte se uv\u00e1\u017eliv\u011b, vyb\u00edrejte pe\u010dliv\u011b a spl\u00e1cejte sv\u00e9 z\u00e1vazky v\u010das.<\/strong> Dodr\u017e\u00edte-li tyto t\u0159i z\u00e1sady, u\u0161et\u0159\u00edte si hodn\u011b starost\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jak dos\u00e1hnout na ide\u00e1ln\u00ed spot\u0159ebitelsk\u00fd \u00fav\u011br V dne\u0161n\u00ed dob\u011b, si m\u016f\u017eete objednat v podstat\u011b cokoliv chytr\u00fdm telefonem. Lze m\u00edt online&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":132,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/calculator-follow-up.php","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Spot\u0159ebitelsk\u00fd \u00fav\u011br - ak\u010dn\u00ed nab\u00eddky Duben 2026 - LoanStar \u010cesk\u00e1 republika<\/title>\n<meta name=\"description\" content=\"Seri\u00f3zn\u00ed nab\u00eddky spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f na jednom m\u00edst\u011b. Udr\u017eovan\u00fd a aktualizovan\u00fd p\u0159ehled t\u011bch nejlep\u0161\u00edch nab\u00eddek. Spot\u0159ebitelsk\u00fd \u00fav\u011br pro ka\u017ed\u00e9ho.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/loanstar.com\/cz\/pujcky\/spotrebitelsky-uver\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Spot\u0159ebitelsk\u00fd \u00fav\u011br - ak\u010dn\u00ed nab\u00eddky Duben 2026 - LoanStar \u010cesk\u00e1 republika\" \/>\n<meta property=\"og:description\" content=\"Seri\u00f3zn\u00ed nab\u00eddky spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f na jednom m\u00edst\u011b. Udr\u017eovan\u00fd a aktualizovan\u00fd p\u0159ehled t\u011bch nejlep\u0161\u00edch nab\u00eddek. Spot\u0159ebitelsk\u00fd \u00fav\u011br pro ka\u017ed\u00e9ho.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/loanstar.com\/cz\/pujcky\/spotrebitelsky-uver\/\" \/>\n<meta property=\"og:site_name\" content=\"LoanStar \u010cesk\u00e1 republika\" \/>\n<meta property=\"article:modified_time\" content=\"2019-07-18T09:04:53+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2018\/11\/online_loans_1.svg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data1\" content=\"13 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/loanstar.com\/cz\/pujcky\/spotrebitelsky-uver\/\",\"url\":\"https:\/\/loanstar.com\/cz\/pujcky\/spotrebitelsky-uver\/\",\"name\":\"Spot\u0159ebitelsk\u00fd \u00fav\u011br - ak\u010dn\u00ed nab\u00eddky Duben 2026 - LoanStar \u010cesk\u00e1 republika\",\"isPartOf\":{\"@id\":\"https:\/\/loanstar.com\/cz\/#website\"},\"datePublished\":\"2018-10-05T12:05:27+00:00\",\"dateModified\":\"2019-07-18T09:04:53+00:00\",\"description\":\"Seri\u00f3zn\u00ed nab\u00eddky spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f na jednom m\u00edst\u011b. Udr\u017eovan\u00fd a aktualizovan\u00fd p\u0159ehled t\u011bch nejlep\u0161\u00edch nab\u00eddek. Spot\u0159ebitelsk\u00fd \u00fav\u011br pro ka\u017ed\u00e9ho.\",\"breadcrumb\":{\"@id\":\"https:\/\/loanstar.com\/cz\/pujcky\/spotrebitelsky-uver\/#breadcrumb\"},\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/loanstar.com\/cz\/pujcky\/spotrebitelsky-uver\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/loanstar.com\/cz\/pujcky\/spotrebitelsky-uver\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\u010cesk\u00e1\",\"item\":\"https:\/\/loanstar.com\/cz\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"P\u016fj\u010dky\",\"item\":\"https:\/\/loanstar.com\/cz\/pujcky\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Spot\u0159ebitelsk\u00fd \u00fav\u011br\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/loanstar.com\/cz\/#website\",\"url\":\"https:\/\/loanstar.com\/cz\/\",\"name\":\"LoanStar \u010cesk\u00e1 republika\",\"description\":\"Porovnejte p\u016fj\u010dky\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/loanstar.com\/cz\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"cs\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Spot\u0159ebitelsk\u00fd \u00fav\u011br - ak\u010dn\u00ed nab\u00eddky Duben 2026 - LoanStar \u010cesk\u00e1 republika","description":"Seri\u00f3zn\u00ed nab\u00eddky spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f na jednom m\u00edst\u011b. Udr\u017eovan\u00fd a aktualizovan\u00fd p\u0159ehled t\u011bch nejlep\u0161\u00edch nab\u00eddek. Spot\u0159ebitelsk\u00fd \u00fav\u011br pro ka\u017ed\u00e9ho.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/loanstar.com\/cz\/pujcky\/spotrebitelsky-uver\/","og_locale":"cs_CZ","og_type":"article","og_title":"Spot\u0159ebitelsk\u00fd \u00fav\u011br - ak\u010dn\u00ed nab\u00eddky Duben 2026 - LoanStar \u010cesk\u00e1 republika","og_description":"Seri\u00f3zn\u00ed nab\u00eddky spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f na jednom m\u00edst\u011b. Udr\u017eovan\u00fd a aktualizovan\u00fd p\u0159ehled t\u011bch nejlep\u0161\u00edch nab\u00eddek. Spot\u0159ebitelsk\u00fd \u00fav\u011br pro ka\u017ed\u00e9ho.","og_url":"https:\/\/loanstar.com\/cz\/pujcky\/spotrebitelsky-uver\/","og_site_name":"LoanStar \u010cesk\u00e1 republika","article_modified_time":"2019-07-18T09:04:53+00:00","og_image":[{"url":"http:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2018\/11\/online_loans_1.svg"}],"twitter_card":"summary_large_image","twitter_misc":{"Odhadovan\u00e1 doba \u010dten\u00ed":"13 minut"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/loanstar.com\/cz\/pujcky\/spotrebitelsky-uver\/","url":"https:\/\/loanstar.com\/cz\/pujcky\/spotrebitelsky-uver\/","name":"Spot\u0159ebitelsk\u00fd \u00fav\u011br - ak\u010dn\u00ed nab\u00eddky Duben 2026 - LoanStar \u010cesk\u00e1 republika","isPartOf":{"@id":"https:\/\/loanstar.com\/cz\/#website"},"datePublished":"2018-10-05T12:05:27+00:00","dateModified":"2019-07-18T09:04:53+00:00","description":"Seri\u00f3zn\u00ed nab\u00eddky spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f na jednom m\u00edst\u011b. Udr\u017eovan\u00fd a aktualizovan\u00fd p\u0159ehled t\u011bch nejlep\u0161\u00edch nab\u00eddek. Spot\u0159ebitelsk\u00fd \u00fav\u011br pro ka\u017ed\u00e9ho.","breadcrumb":{"@id":"https:\/\/loanstar.com\/cz\/pujcky\/spotrebitelsky-uver\/#breadcrumb"},"inLanguage":"cs","potentialAction":[{"@type":"ReadAction","target":["https:\/\/loanstar.com\/cz\/pujcky\/spotrebitelsky-uver\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/loanstar.com\/cz\/pujcky\/spotrebitelsky-uver\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010cesk\u00e1","item":"https:\/\/loanstar.com\/cz\/"},{"@type":"ListItem","position":2,"name":"P\u016fj\u010dky","item":"https:\/\/loanstar.com\/cz\/pujcky\/"},{"@type":"ListItem","position":3,"name":"Spot\u0159ebitelsk\u00fd \u00fav\u011br"}]},{"@type":"WebSite","@id":"https:\/\/loanstar.com\/cz\/#website","url":"https:\/\/loanstar.com\/cz\/","name":"LoanStar \u010cesk\u00e1 republika","description":"Porovnejte p\u016fj\u010dky","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/loanstar.com\/cz\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"cs"}]}},"_links":{"self":[{"href":"https:\/\/loanstar.com\/cz\/wp-json\/wp\/v2\/pages\/170"}],"collection":[{"href":"https:\/\/loanstar.com\/cz\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/loanstar.com\/cz\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/loanstar.com\/cz\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/loanstar.com\/cz\/wp-json\/wp\/v2\/comments?post=170"}],"version-history":[{"count":3,"href":"https:\/\/loanstar.com\/cz\/wp-json\/wp\/v2\/pages\/170\/revisions"}],"predecessor-version":[{"id":308,"href":"https:\/\/loanstar.com\/cz\/wp-json\/wp\/v2\/pages\/170\/revisions\/308"}],"up":[{"embeddable":true,"href":"https:\/\/loanstar.com\/cz\/wp-json\/wp\/v2\/pages\/132"}],"wp:attachment":[{"href":"https:\/\/loanstar.com\/cz\/wp-json\/wp\/v2\/media?parent=170"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}