[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bufaci.cz\/pujcky-neustale-vzestupujici-byznys\/#Article","mainEntityOfPage":"https:\/\/www.bufaci.cz\/pujcky-neustale-vzestupujici-byznys\/","headline":"P\u016eJ\u010cKY \u2013 neust\u00e1le vzestupuj\u00edc\u00ed byznys","name":"P\u016eJ\u010cKY \u2013 neust\u00e1le vzestupuj\u00edc\u00ed byznys","description":"Firmy, kter\u00e9 nab\u00edzej\u00ed jak\u00e9koliv druhy p\u016fj\u010dek (spot\u0159ebitelsk\u00e9 \u00fav\u011bry, na koupi zbo\u017e\u00ed a slu\u017eeb, hypote\u010dn\u00ed \u00fav\u011bry, mikrop\u016fj\u010dky apod.), u\u017e kolikr\u00e1t nev\u011bd\u00ed, co by kv\u016fli sv\u00e9mu zisku lidem v reklam\u00e1ch nab\u00eddly. A t\u00fdk\u00e1 se to i zprost\u0159edkovatel\u016f – osob, kte\u0159\u00ed prov\u00e1d\u011bj\u00ed jak p\u0159\u00edpravu, p\u0159edjedn\u00e1n\u00ed, tak doporu\u010den\u00ed ke sjedn\u00e1n\u00ed p\u016fj\u010dek (\u00fav\u011bru). T\u00edm, \u017ee od 1. 12. 2016 vstoup\u00ed v \u00fa\u010dinnost...

Read More “P\u016eJ\u010cKY \u2013 neust\u00e1le vzestupuj\u00edc\u00ed byznys”<\/span> »<\/a><\/p>","datePublished":"2020-09-25","dateModified":"2023-04-25","author":{"@type":"Person","@id":"https:\/\/www.bufaci.cz\/author\/#Person","name":"","url":"https:\/\/www.bufaci.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c0c0e488d5f88ebdb5e32a558e21f6df03f38644814b5677bcd67e16813bee55?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c0c0e488d5f88ebdb5e32a558e21f6df03f38644814b5677bcd67e16813bee55?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bufaci.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.bufaci.cz\/pujcky-neustale-vzestupujici-byznys\/","wordCount":643,"articleBody":"Firmy, kter\u00e9 nab\u00edzej\u00ed jak\u00e9koliv druhy p\u016fj\u010dek (spot\u0159ebitelsk\u00e9 \u00fav\u011bry, na koupi zbo\u017e\u00ed a slu\u017eeb, hypote\u010dn\u00ed \u00fav\u011bry, mikrop\u016fj\u010dky apod.), u\u017e kolikr\u00e1t nev\u011bd\u00ed, co by kv\u016fli sv\u00e9mu zisku lidem v reklam\u00e1ch nab\u00eddly. A t\u00fdk\u00e1 se to i zprost\u0159edkovatel\u016f – osob, kte\u0159\u00ed prov\u00e1d\u011bj\u00ed jak p\u0159\u00edpravu, p\u0159edjedn\u00e1n\u00ed, tak doporu\u010den\u00ed ke sjedn\u00e1n\u00ed p\u016fj\u010dek (\u00fav\u011bru).T\u00edm, \u017ee od 1. 12. 2016 vstoup\u00ed v \u00fa\u010dinnost nov\u00fd z\u00e1kon \u010d. 257\/2016 o spot\u0159ebitelsk\u00fdch \u00fav\u011brech, ve kter\u00e9m zapracov\u00e1v\u00e1 jak p\u0159\u00edslu\u0161n\u00e9 p\u0159edpisy EU, tak se kone\u010dn\u011b zp\u0159\u00eds\u0148uje regulace v oblasti reklamy. Je toti\u017e velice smutn\u00e9, \u017ee v sou\u010dasn\u00e9 dob\u011b se zadlu\u017euj\u00ed ve velk\u00e9 m\u00ed\u0159e i mlad\u00ed lid\u00e9, t\u00edm nem\u00e1me na mysli, kdy\u017e si pot\u0159ebuj\u00ed vy\u0159e\u0161it ot\u00e1zku bydlen\u00ed hypote\u010dn\u00edm \u00fav\u011brem. Sp\u00ed\u0161 je smutn\u00e9, \u017ee se lid\u00e9 zadlu\u017euj\u00ed nap\u0159\u00edklad kv\u016fli bl\u00ed\u017e\u00edc\u00edm se v\u00e1no\u010dn\u00edm sv\u00e1tk\u016fm. Stru\u010dn\u011b o nov\u00e9m z\u00e1konu \u010d. 257\/2016  – o spot\u0159ebitelsk\u00e9m \u00fav\u011bru: ·         smlouva mus\u00ed m\u00edt p\u00edsemnou formu s povinn\u00fdm obsahem·         poskytovatel\u00e9 a zprost\u0159edkovatel\u00e9 mus\u00ed m\u00edt licenci od \u010cNB (povede jejich registr)·         informa\u010dn\u00ed povinnost p\u0159ed uzav\u0159en\u00edm smlouvy·         p\u0159\u00edzniv\u011bj\u0161\u00ed podm\u00ednky pro mo\u017enosti ukon\u010den\u00ed smlouvy (banka je nesm\u00ed vylou\u010dit)·         specifick\u00e9 formy p\u016fj\u010dek(\u00fav\u011br\u016f) – t\u00fdk\u00e1 se to nap\u0159\u00edklad odlo\u017een\u00fdch plateb, povinn\u00e9 v\u00fd\u0161e z\u00e1lohy, informace o povinn\u00e9m zaji\u0161t\u011bn\u00ed (hypote\u010dn\u00ed \u00fav\u011br) mus\u00ed m\u00edt uvedeny skute\u010dnou hodnotu zbo\u017e\u00ed a v\u00fd\u0161i povinn\u00e9 z\u00e1lohy·         kontokorent – zde se mus\u00ed uv\u00e1d\u011bt celkov\u00e1 v\u00fd\u0161e \u00fav\u011bru, zaji\u0161t\u011bn\u00ed + \u00farokov\u00e9 sazby a jejich pohyblivost  Tento z\u00e1kon vysloven\u011b zakazuje: \u00d8  abyjak\u00e1koliv propagace byla zav\u00e1d\u011bj\u00edc\u00ed, klamliv\u00e1 \u010di nejasn\u00e1–          jak\u00e1koliv reklama obsahuj\u00edc\u00ed libovoln\u00fd \u010d\u00edseln\u00fd \u00fadaj, kter\u00fd se t\u00fdk\u00e1 n\u00e1klad\u016f p\u016fj\u010dky (\u00fav\u011bru), mus\u00ed obsahovat n\u00e1zev poskytovatele a p\u0159\u00edklad v\u00fdpo\u010dtu RPSN \u00d8  je kone\u010dn\u011b upravena definice RPSN–          to znamen\u00e1, \u017ee zp\u016fsob v\u00fdpo\u010dtu by m\u011bl b\u00fdt sjednocen a co v\u0161e do RPSN spad\u00e1(\u00faroky, n\u00e1klady, provize, poji\u0161t\u011bn\u00ed poplatky a jin\u00e1 pln\u011bn\u00ed, krom\u011b poplatk\u016f za not\u00e1\u0159e = dobu spl\u00e1cen\u00ed + celkovou v\u00fd\u0161i spl\u00e1tek) \u00d8  \u00farok– pokud bude v reklam\u011b uveden, mus\u00ed b\u00fdt uveden p\u0159esn\u011b stejn\u00fdm zp\u016fsobem jako RPSN–          reklama obsahuj\u00edc\u00ed jakoukoliv dopl\u0148kovou slu\u017ebu(nap\u0159\u00edklad POJI\u0160T\u011aN\u00cd), mus\u00ed ji m\u00edt v t\u00e9to komunikaci popsanou Pen\u00edze se p\u016fj\u010dovaly a p\u016fj\u010dovat budou. Je to byznys od nepam\u011bti. M\u011blo by b\u00fdt v\u00edce informac\u00ed o tom, aby se lid\u00e9 nau\u010dili finan\u010dn\u00ed gramotnosti. A neust\u00e1le jim snad zd\u016fraz\u0148ovat, \u017ee ka\u017ed\u00e1 p\u016fj\u010dka je z\u00e1t\u011b\u017e, aby se nedostali zbyte\u010dn\u011b do dluhov\u00e9 pasti. Ka\u017ed\u00fd \u010dlov\u011bk, ne\u017e si vezme p\u016fj\u010dku, tak by si m\u011bl tento krok p\u0159edem d\u016fkladn\u011b zv\u00e1\u017eit nebo se poradit s finan\u010dn\u00edm poradcem.  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016eJ\u010cKY \u2013 neust\u00e1le vzestupuj\u00edc\u00ed byznys","item":"https:\/\/www.bufaci.cz\/pujcky-neustale-vzestupujici-byznys\/#breadcrumbitem"}]}]