{"id":196286,"date":"2026-08-30T13:14:21","date_gmt":"2026-08-30T13:14:21","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/196286\/"},"modified":"2026-08-30T13:14:21","modified_gmt":"2026-08-30T13:14:21","slug":"ocima-byznysu-kdyz-skola-zacina-dluhem-a-pujcku-plati-dalsi-pujcky","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/196286\/","title":{"rendered":"O\u010dima byznysu: Kdy\u017e \u0161kola za\u010d\u00edn\u00e1 dluhem a\u00a0p\u016fj\u010dku plat\u00ed dal\u0161\u00ed p\u016fj\u010dky"},"content":{"rendered":"<p class=\"e_bX\">V\u00fdbava prv\u0148\u00e1\u010dka stoj\u00ed zhruba 3\u00a0300\u00a0korun, skoro polovinu spolkne aktovka. Ne\u010dekan\u00fd v\u00fddaj ve v\u00fd\u0161i 16\u00a08001\u00a0korun p\u0159itom nezvl\u00e1dne zaplatit p\u011btina \u010desk\u00fdch dom\u00e1cnost\u00ed. U\u00a0samo\u017eivitel\u016f s\u00a0d\u011btmi je p\u0159\u00edjmovou chudobou podle \u010cesk\u00e9ho statistick\u00e9ho \u00fa\u0159adu ohro\u017eena v\u00edc ne\u017e t\u0159etina. Kdo nem\u00e1 rezervu, obvykle \u0159e\u0161\u00ed z\u00e1\u0159\u00ed p\u016fj\u010dkou. Sn\u011bmovna p\u0159itom bude rozhodovat o\u00a0tom, jestli lidem, kter\u00fdm poskytovatel p\u016fj\u010dil bez \u0159\u00e1dn\u00e9ho prov\u011b\u0159en\u00ed, z\u016fstane dne\u0161n\u00ed z\u00e1konn\u00e1 ochrana.<\/p>\n<p class=\"e_bX\">Na \u0161koln\u00ed v\u00fdbavu si podle ve\u0159ejn\u011b dostupn\u00fdch zdroj\u016f p\u016fj\u010duj\u00ed asi 3\u00a0% \u010desk\u00fdch rodi\u010d\u016f, mezi mlad\u00fdmi do 24\u00a0let t\u00e9m\u011b\u0159 7\u00a0%. Nej\u010dast\u011bji jde o\u00a0\u010d\u00e1stky do 5\u00a0000\u00a0korun. Pr\u00e1v\u011b u\u00a0n\u00edzkop\u0159\u00edjmov\u00fdch dom\u00e1cnost\u00ed ale pad\u00e1 mal\u00e1 p\u016fj\u010dka na nejm\u00e9n\u011b p\u0159ipravenou skupinu. Finan\u010dn\u00ed rezervu si podle Indexu NeplatUroky.cz, kter\u00fd monitoruje pr\u00e1v\u011b n\u00edzkop\u0159\u00edjmov\u00e9 dom\u00e1cnosti, tvo\u0159\u00ed jen 35\u00a0% lid\u00ed bez maturity oproti 65\u00a0% lid\u00ed s\u00a0maturitou. Zat\u00edmco v\u00a0cel\u00e9 populaci je p\u0159\u00edjmovou chudobou ohro\u017eeno 9,6\u00a0% lid\u00ed, mezi ne\u00fapln\u00fdmi rodinami s\u00a0d\u011btmi je to 34,1\u00a0% &#8211; a\u00a0pr\u00e1v\u011b na n\u011b dopad\u00e1 z\u00e1\u0159\u00ed s\u00a0cel\u00fdm seznamem najednou: v\u00fdbava, krou\u017eky, ob\u011bdy. Nebankovn\u00edm poskytovatel\u016fm p\u0159itom v\u016fbec nev\u011b\u0159\u00ed 76,6\u00a0% lid\u00ed s\u00a0n\u00edzk\u00fdmi p\u0159\u00edjmy. Sahaj\u00ed po nich, a\u017e kdy\u017e je banka odm\u00edtne a\u00a0pen\u00edze jsou pot\u0159eba hned. Tomu tak\u00e9 odpov\u00eddaj\u00ed podm\u00ednky t\u011bchto \u00fav\u011br\u016f.<\/p>\n<p>Z p\u011btitis\u00edcov\u00e9 p\u016fj\u010dky um\u00ed vyr\u016fst spir\u00e1la<\/p>\n<p class=\"e_bX\">Dluhov\u00e1 spir\u00e1la neza\u010d\u00edn\u00e1 velk\u00fdm \u00fav\u011brem, ale mal\u00fdm. P\u016fj\u010dka na aktovku, k\u00a0tomu pokuta za opo\u017ed\u011bnou spl\u00e1tku, pak druh\u00e1 p\u016fj\u010dka na splacen\u00ed prvn\u00ed. Na komplikace p\u0159i spl\u00e1cen\u00ed narazila t\u00e9m\u011b\u0159 polovina nebankovn\u00edch dlu\u017en\u00edk\u016f ve vzorku Indexu. Nej\u010dast\u011bji kv\u016fli ztr\u00e1t\u011b p\u0159\u00edjmu, ne\u010dekan\u00fdm v\u00fddaj\u016fm a\u00a0pen\u00e1le. Zven\u010d\u00ed p\u0159itom takov\u00e1 dom\u00e1cnost dlouho vypad\u00e1 \u00fav\u011bruschopn\u00e1. Ka\u017ed\u00e1 p\u016fj\u010dka je splacena, jen\u017ee jen proto, \u017ee ji nahradila dal\u0161\u00ed. Obava z\u00a0dluhov\u00e9 spir\u00e1ly letos vzrostla o\u00a05,6\u00a0procentn\u00edho bodu na 54\u00a0%. Co tento pojem p\u0159esn\u011b znamen\u00e1, v\u00ed ale jen 43\u00a0% lid\u00ed. Z\u00a0jejich pohledu pom\u00e1h\u00e1 skr\u00fdvat past i\u00a0nesrozumitelnost \u010d\u00edsel. RPSN, jedin\u00fd \u00fadaj, kter\u00fd \u0159ekne, kolik p\u016fj\u010dka doopravdy stoj\u00ed, p\u0159esn\u011b ch\u00e1pe jen 41\u00a0% lid\u00ed, mezi lidmi bez maturity pak pouze 34\u00a0%. Pat\u0159\u00ed sem i\u00a0n\u00e1kupy na spl\u00e1tky u\u00a0pokladny. Pr\u00e1vn\u011b jde o\u00a0spot\u0159ebitelsk\u00fd \u00fav\u011br, i\u00a0kdy\u017e mu tak doma nikdo ne\u0159\u00edk\u00e1.<\/p>\n<p>Co je \u00farok, co je RPSNZkratka RPSN znamen\u00e1 \u201ero\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f\u201c. Je uv\u00e1d\u011bn\u00e1 jako ro\u010dn\u00ed procento v\u0161ech n\u00e1klad\u016f z\u00a0celkov\u00e9 v\u00fd\u0161e \u00fav\u011bru, a\u00a0vyjad\u0159uje tak skute\u010dnou cenu \u00fav\u011bru. Zapo\u010d\u00edt\u00e1v\u00e1 se do n\u00ed jak ro\u010dn\u00ed \u00farok, tak dal\u0161\u00ed platby spojen\u00e9 s\u00a0p\u016fj\u010dkou, jako jsou nap\u0159\u00edklad poplatek za uzav\u0159en\u00ed \u00fav\u011brov\u00e9 smlouvy, veden\u00ed \u00fav\u011brov\u00e9ho \u00fa\u010dtu \u010di t\u0159eba odhad nemovitosti.Od 1.\u00a0prosince 2016 m\u00e1 ka\u017ed\u00e1 instituce poskytuj\u00edc\u00ed spot\u0159ebitelsk\u00e9 \u00fav\u011bry povinnost tento \u00fadaj v\u00a0\u00fav\u011brov\u00e9 smlouv\u011b viditeln\u011b uv\u00e1d\u011bt.\u00darok vyjad\u0159uje v procentech, o kolik \u017eadatel p\u0159eplat\u00ed p\u016fj\u010denou jistinu.<\/p>\n<p class=\"e_bX\">Dluhov\u00e1 spir\u00e1la, kterou u\u00a0klient\u016f v\u00edd\u00e1me, za\u010d\u00edn\u00e1 typicky \u010d\u00e1stkou pod deset tis\u00edc. Z\u00e1kon u\u017e dnes ukl\u00e1d\u00e1 poskytovateli \u00fav\u011bru ov\u011b\u0159it, \u017ee \u017eadatel m\u016f\u017ee spl\u00e1cet. Kdy\u017e to neud\u011bl\u00e1, je smlouva neplatn\u00e1 a\u00a0lze z\u00a0n\u00ed z\u00edskat zp\u011bt nejenom neopr\u00e1vn\u011bn\u00e9 \u00faroky, ale i\u00a0poplatky a\u00a0pen\u00e1le.<\/p>\n<p>Novela m\u00ed\u0159\u00ed do t\u0159et\u00edho \u010dten\u00ed. Ochranu m\u016f\u017ee sn\u00ed\u017eit, ne zv\u00fd\u0161it<\/p>\n<p class=\"e_bX\">Novelu z\u00e1kona o\u00a0spot\u0159ebitelsk\u00e9m \u00fav\u011bru \u010dek\u00e1 ve sn\u011bmovn\u011b t\u0159et\u00ed \u010dten\u00ed. Novela p\u0159in\u00e1\u0161\u00ed i\u00a0dobr\u00e9 v\u011bci: stropy cen p\u016fj\u010dek, p\u0159\u00edsn\u011bj\u0161\u00ed reklamu a\u00a0pravidla pro bez\u00faro\u010dn\u00e9 spl\u00e1tky a\u00a0odlo\u017een\u00e9 platby. Jen\u017ee obsahuje v\u011btu, kter\u00e1 obrac\u00ed dne\u0161n\u00ed z\u00e1kladn\u00ed pojistku. Dnes plat\u00ed jednoduch\u00e9 pravidlo: kdo p\u016fj\u010duje, mus\u00ed si p\u0159edem ov\u011b\u0159it, \u017ee klient zvl\u00e1dne spl\u00e1cet. Proto\u017ee je ve vztahu siln\u011bj\u0161\u00ed stranou. Kdy\u017e to neud\u011bl\u00e1, je smlouva neplatn\u00e1 &#8211; klient vrac\u00ed jen vyp\u016fj\u010den\u00e9 pen\u00edze, \u00faroky a\u00a0poplatky ne. <\/p>\n<p class=\"e_bX\">Vl\u00e1dn\u00ed n\u00e1vrh do z\u00e1kona vkl\u00e1d\u00e1 v\u011btu, podle n\u00ed\u017e smlouva m\u016f\u017ee z\u016fstat v\u00a0platnosti, i\u00a0kdy\u017e poskytovatel klienta \u0159\u00e1dn\u011b neprov\u011b\u0159il &#8211; sta\u010d\u00ed, kdy\u017e se zp\u011btn\u011b dovod\u00ed, \u017ee \u00fav\u011br poskytnout mohl. I\u00a0kdy\u017e by do\u0161lo k\u00a0poru\u0161en\u00ed pravidel ze strany poskytovatele, o\u00a0\u00faroky a\u00a0poplatky by tedy nep\u0159i\u0161el.<\/p>\n<p><a data-dot=\"mol-article-card-media\" aria-hidden=\"true\" tabindex=\"-1\" href=\"https:\/\/www.seznamzpravy.cz\/clanek\/ekonomika-ocima-byznysu-ocima-byznysu-levnejsi-pujcky-pro-vsechny-chudi-cesi-skonci-u-lichvaru-305031\" class=\"e_n f_l8\" rel=\"nofollow noopener\" target=\"_blank\"><img fetchpriority=\"high\" height=\"3159\"   width=\"5616\" src=\"https:\/\/www.europesays.com\/cz\/wp-content\/uploads\/2026\/08\/mg-1520-upravene-kx4o84bk.jpeg\" loading=\"eager\" decoding=\"sync\" class=\"e_aa e_Z\"\/><\/a><\/p>\n<p class=\"e_bX\">Jeden z\u00a0pozm\u011b\u0148ovac\u00edch n\u00e1vrh\u016f by ale vl\u00e1dn\u00ed v\u011btu nahradil je\u0161t\u011b tvrd\u0161\u00edm pravidlem. O\u00a0rodin\u011b, kter\u00e1 b\u011b\u017enou p\u016fj\u010dku \u00fapln\u011b splatila nebo \u00fav\u011br na bydlen\u00ed spl\u00e1cela aspo\u0148 18\u00a0m\u011bs\u00edc\u016f, by z\u00e1kon automaticky p\u0159edpokl\u00e1dal, \u017ee na p\u016fj\u010dku m\u011bla &#8211; a\u00a0opak by po letech musela dokazovat sama, t\u0159eba doklady o\u00a0platb\u00e1ch v\u00a0hotovosti nebo o\u00a0pomoci p\u0159\u00edbuzn\u00fdch, kter\u00e9 u\u017e d\u00e1vno nem\u00e1. Nejtvrd\u011bji by zm\u011bny dopadly na u\u017e splacen\u00e9 smlouvy a\u00a0pr\u00e1v\u011b na n\u00edzkop\u0159\u00edjmov\u00e9 dom\u00e1cnosti. <\/p>\n<p class=\"e_bX\">Na stole je ale i\u00a0n\u00e1vrh, kter\u00fd spornou v\u011btu jednodu\u0161e \u0161krt\u00e1 a\u00a0dne\u0161n\u00ed ochranu nech\u00e1v\u00e1 beze zm\u011bny. Pokud sn\u011bmovna ochranu oslab\u00ed, posledn\u00ed \u0161anc\u00ed na opravu bude Sen\u00e1t. Rodin\u00e1m, kter\u00e9 bez p\u016fj\u010dky z\u00e1\u0159\u00ed nezvl\u00e1dnou, mezit\u00edm pomohou tyto kroky: p\u016fj\u010dit si jednou a\u00a0co nejm\u00e9n\u011b, nechat si p\u0159edem uk\u00e1zat celkovou \u010d\u00e1stku, kterou zaplat\u00ed, a\u00a0smlouvu si schovat. Stejn\u011b tak ale v\u0161echny dal\u0161\u00ed doklady souvisej\u00edc\u00ed s\u00a0p\u0159\u00edjmy a\u00a0v\u00fddaji z\u00a0doby uzav\u0159en\u00ed smlouvy, v\u010detn\u011b dal\u0161\u00edch p\u0159\u00edpadn\u00fdch \u00fav\u011br\u016f a\u00a0p\u016fj\u010dek, kter\u00e9 spl\u00e1cej\u00ed.<\/p>\n<p class=\"e_bX\">Prov\u011b\u0159it klienta p\u0159ed podpisem je z\u00e1konn\u00e1 povinnost poskytovatele &#8211; a\u00a0kdy\u017e ji poru\u0161\u00ed, m\u00e1 n\u00e9st n\u00e1sledky on, ne rodina, kter\u00e9 p\u016fj\u010dil. Poslanci mohou spornou v\u011btu \u0161krtnout a\u00a0nechat ochranu tak, jak plat\u00ed dnes. A\u00a0rodin\u00e1m rad\u00edm: a\u0165 hlasov\u00e1n\u00ed dopadne jakkoli, schovejte si smlouvu a\u00a0nechte si ji zdarma prov\u011b\u0159it, i\u00a0tu u\u017e splacenou.<\/p>\n","protected":false},"excerpt":{"rendered":"V\u00fdbava prv\u0148\u00e1\u010dka stoj\u00ed zhruba 3\u00a0300\u00a0korun, skoro polovinu spolkne aktovka. Ne\u010dekan\u00fd v\u00fddaj ve v\u00fd\u0161i 16\u00a08001\u00a0korun p\u0159itom nezvl\u00e1dne zaplatit p\u011btina&hellip;\n","protected":false},"author":2,"featured_media":196287,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[7],"tags":[1985,43,42,41,40,648,703,1387,4218,14364],"class_list":["post-196286","post","type-post","status-publish","format-standard","has-post-thumbnail","category-cesko","tag-banky","tag-ceska-republika","tag-cesko","tag-czech-republic","tag-czechia","tag-dluhy","tag-penize","tag-pujcka","tag-skolaci","tag-smlouvy"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/117184644118513098","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/196286","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/comments?post=196286"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/196286\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/196287"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=196286"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=196286"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=196286"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}